milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Transunion has locked me out of the online dispute system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Lien Enforcement Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I bought this car never registered the car under my name. I then sold this car to a unknown person I cant remember the name. This happened 3 years ago. Its been a long time I 've did my part by releasing liability to DMV but for some reason they have no record. i send out for XXXX inquiry witch I paid {$20.00} for but when it came back my release of liability was not on their, I know I did it online for some reason it did not save under the DMV system. The collection agency told me if i forgot to enter millage or any little thing it would not accept it I 'm not sure if a did an error on my behalf but I 'm 100 % sure I did it. DMV never rejected my application. I did file the release of liability but like i side they have no proof. I 'm the kind of person that takes care of her responsibilities but at this time i find my self very upset because I 'm being charged for something that i know in took care of 3 years ago. I tried talking to the collection agency and letting them know what happened but they do n't seem want to dismiss the case they keep asking me for money. I actually gave them a {$25.00} dollar payment to keep them away. I do n't find it fair to have to pay for something that i do n't have and sold 3 years ago and knowing I did the release of liability. I have in closed copies of a new release of liability that DMV had me redo but the collection agency will not accept it. DMV said they should accept it but they want the date to be a date before it got towed away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-11-2017 about Mortgage (Conventional home mortgage) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Closing on a mortgage

Complaint: BBVA Compass Loan management. Our mortgage matured on XXXX XXXX. 
1. First issue is that all payments were drawn automatically excluding last payment. We were not notified that for some reason last payment needs to be paid at bank branch department ... there were no communications from bank to us in last payment or transition to closing the loan .... So in XXXX we found out that they transferred our loan to the bankruptcy department. 
2. We paid all of the additional fees in XXXX XXXX, XXXX and since then loan os paid off and at the XXXX balance but we are unable to get lean release or deed of trust from BBVA Compass for our property 3. Customer Support line has no access or visibility to that loan because it is in default department. We can not reach default department by phone, their line has automated recording to leave the message with phone number and they will call back, but noone ever calls back. Our emails to that department go into black hole unanswered with no responses 4. For 4 months we have not been able to get any closure on our issue. They screwed up our perfect credit history by not communicating with us and we are unable to get our rightfully owned title to our real property. Customer support in loan department is horrible. We demand to resort our credit history and clear our property of any leans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-02-2018 about Debt collection (I do not know) with ProCollect, Inc (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This company is illegally pursuing a debt by threatening to damage my credit by placing false accounts in collections. i have contacted them and sent over proof of court statements certified from a judge they are breaking the law and trying to collect extra money that is not owed. the manager is very rude and does not pick up the phone. i called multiple time and they refuse to answer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Consumer Loan (Vehicle loan) with TCF NATIONAL BANK (CA).
Issue: Managing the loan or lease

Complaint: My car loan was funded by Gateway One Lending. They sent me a welcome letter, saying my statement is on the way. But they never sent me a statement. I called 2 times for a copy and none arrived so I paid over the phone. Then after several calls to gain online access, their page says there is no statement available for the XXXX XXXX due date. No one has given me a clear answer on where my statement is.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I discovered this derogatory mark on my credit report and never received a notice of right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: This complaint is simple. A company by the name of XXXX XXXX XXXX has XXXX entries listed on my credit report that I have disputed and they come back verified. Letters to the collection agency have gone unanswered requesting full validation of debt. This company is no longer in business per the XXXX website. In additon, XXXX XXXX XXXX recently entered into a consent agreement with CFPB for violations against consumers. So how exactly did the credit bureau obtain verification of debt from a company that is no longer in business???

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (Payday loan) with Financial Credit Service, Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have been contacted repeatedly by the company, Asset Recovery Services. They have informed me that if I do not pay the debt that they claim I owe then civil lawsuit action will take place.They claim that this debt is over seven years old and when I inform them that they can not legally sue me for this debt they become increasingly agitated and unprofessional. They have claimed that they will come to my place of business but have not stated their intentions for that. I have requested that all communication be in writing and to no longer call me and they have refused this request. I have attached an email, the only thing in writing that I have received so far. In this email our discussion is referenced and the term settlement is used. At no time did I admit to ownership of the debt nor did I agree to pay any amount.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Enclosed is a letter I Sent to CAPITAL ONE registered and certified, I am over the games, lies, and deception. This is one of many posts, I have lawyers looking at the paperwork and I have already gotten some positive feedback, I will be posting the CAPITAL ONE employees with media as well as the issues in hopes to help others that been deceived by this careless illegal entity. They committed FRAUD, EMBEZZLEMENT, DECEPTION, LIED, STOLE and that is just a start. Not to mention destroyed my credit, work life and tried to have me XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Debt collection (Medical) with National Credit Systems,Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: NATIONAL CREDIT SYSTEMS INC ACCOUNT NUMBERs : XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you NATIONAL CREDIT SYSTEMS XXXX any company associate with this account # and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt XXXX give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : NATIONAL CREDIT SYSTEMS INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (SC).
Issue: Other service problem

Complaint: I was trying to send money online through moneygram and for some reason they blocked my account so i called their customer service number and somebody answered me in a foreign country he told me i ca n't use the service online anymore i have to go to a moneygram location i asked him to explain to me why he was rude and then he got me upset we got in argument he start calling me names and he wants to XXXX my wife and my mother and sister and that i ca n't speak English and he wants to get me deported because i dont have an American accent so he assumed that i am not a citizen of this country i am very tired and angry of these company using unprofessional people to Handel their business i will never use moneygram anymore and i feel nobody else should have to experience what I went through with this person what a Mess.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (NV).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: A little over a year ago I chose to update my Nordstrom store debit card to a Nordstrom store credit card. When I applied for this change I was asked if I wanted the store card or the Nordstrom Visa credit card, which is a general use credit card that would earn Nordstrom points. I declined the general credit card and stated the store credit card was sufficient. About a week ago I received a letter in the mail from Nordstrom that ordinarily I would have discarded and not read - thankfully I read this one. It was a letter telling me that because I was a valued customer my store credit card was being upgraded to the Nordstrom Visa credit card. The letter outlined all the changes that would occur as a result of the credit offer and also informed me that unless I called to decline the offer by a certain date, the upgrade would take place and the new card issued. I called and declined the offer which was all done using an IVR so I was n't about to discuss my concerns with an associate. I also alerted Nordstrom as to my thoughts  around this bait & switch tactic via a direct message on XXXX. It 's important to note that no other method of contact was used to alert me of this credit offer. No phone call, no email - I even checked my Nordstrom store card account, which I check monthly to verify the auto pay, and there was no alert in my profile. The envelope was not marked urgent and could have easily been discarded by most consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BWW Law Group, LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX, 2016 To : BWW Law Group CC : XXXX. XXXX XXXX XXXX XXXX : NOTICE TO CEASE AND DESIST Third Illegal Attempt to Schedule Sale of Property of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX Case # XXXX To Whom it May Concern : I just had a letter forwarded to me dated XXXX XXXX, 2016, notifying me that BWW Law Group has scheduled a sale of my family 's home on XXXX XXXX, 2016. This action is in direct defiance of judge XXXX disposition of this matter at the hearing held on XXXX XXXX, 2016. At that time judge XXXX clearly stated that the matter would be held sub curia. The hearing on XXXX XXXX constitutes judge XXXX last decision on this matter. 

Until the judge makes a decision, neither party may take any action governed by the sub curia status -- which means that the issue is clearly not decided. 

BWW Law Group must immediately cancel this sale scheduled on XXXX XXXX, 2016, as it is clearly prohibited by law. This is the third illegal act of this nature perpetrated by this entity. This is not behavior acceptable for officers of the court, and it is grounds for an official grievance process to be propounded upon all parties who have participated in this process. 

I have made a formal complaint with the CFPB and will continue to explore all avenues at my disposal to ensure that this sale is stopped. Not only does this sale flout the authority of the Circuit Court, it also violates dual tracking as my application for a loan modification has not yet been decisioned by XXXX. 


Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax Report #  XXXX  Following accoutns were reported as fraud, a valid ID theft report was taken and submitted for the following accounts :  XXXX   XXXX   XXXX  Balance {$10000.00}  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  {$7100.00}   XXXX   XXXX   XXXX    XXXX  {$7100.00}  XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2017 about Consumer Loan (Title loan) with Select Management Resources, LLC (OH).
Issue: Can't contact lender

Complaint: I applied for a loan with Loan Max in XX/XX/XXXX At which time I opted out of receiving text messages and electronic communications. During XX/XX/XXXX a representative began texting repeatedly and stated she could and would continue to text and there was nothing I could do about. The representative of Loan Max stated as long as I owed money she could do what she wanted. In addition to texting the representative would place calls to me from her personal cell phone. I repeatedly requested to speak to the management team and was told they did not have the managers phone number nor the number to the corporate office. 
I request and will allow Loan Max to forward all electronic text messages that took place between myself and the representatives of Loan Max. 
My car has been repose and the value far exceeds the balance of r he loan. My vehicle is a XX/XX/XXXX XXXX and the balance of my loan is XXXX and the low end XXXX value is {$16000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2017 about Prepaid card (ID prepaid card) with NETSPEND CORPORATION (GA).
Issue: Unauthorized transactions/trans. issues

Complaint: I have a prepaid account with the Netspend prepaid XXXX by the XXXX XXXX, where I have received my school refunds through direct deposit for the past XXXX semesters ( last deposit being XX/XX/2017 ), as well as other deposits. Last week on the XX/XX/2017 I found out that there was a fraudulent transaction on my card and worked to resolve that. my Card was however canceled and so I Have no way of accessing my money in the amount of {$3800.00}. I have also suspected some fraudulent transactions on the same account in the past XXXX months, but efforts to tract this are been frustrated by the customer service representatives through the following phone # XXXX, of which I have spoken to a dozen of them already including today XX/XX/2017, and have spoken with XXXX representatives who pretend to transfer me to a supervisor, and dropped the phone on me. Obviously they are not willing to resolve this issues and I need your office to intervene urgently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with CITIBANK, N.A. (NY).
Issue: Other transaction problem

Complaint: On  XXXX   XXXX ,   2017   I had transferred {$5100.00} from my checking into my Diamond Preferred  Citibank MasterCard   XXXX  without knowing that there was a limit to my spending on it, so I was n't able to make the purchase I wanted at the end of the day. So I had called and requested for the amount to be transferred back into my checking account on the same day. After a couple business days I called again to check, and they put an investigation on it. After another couple business days I called for the 3rd time, and was greeted by a rude telephone operator from Maryland that had been condescending  and unhelpful to say the least. So I went to a Citibank branch and had a helpful teller help call and contact a manager on the other end, who had given a 4-5 business day duration for the funds to be back in my checking account. As of today, it still has yet to transferred! Is n't it illegal to retain funds for more than 24 hours? What more this?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Due to the federal lawsuit filed against Navient, I am concerned that my loans can not be verified. I am also very concerned about the allegations of the Federal lawsuit that have been made and filed against Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a retiree refinance on my primary residence. I gave them all of my financial information. On my tax return I write off the interest from bank of america 's equity on my primary home to a rental. the cpa makes comments on the tax returns telling under what irs ruling I can do this. My refinance on my primary residence payoff the b of a first mortgage, and the aforementioned b of a equity line. There are no liens on the rental. the are only XXXX liens on my primary a first mortgage and the equity line.. The rental is book entry. B of A insists that my CPA perjures himself telling them that my rental is free and clear. I have told B of A 20 times the only way you can meet your own condition is to pull a lot book or have a title company search the XXXX records. You ca n't expect a cpa to perjury himself. They do n't care or understand. I have been told that the head of credit underwriting wants this. I have asked to speak to senior underwriter and that is against bank policy. Also, inconsistent lending practices. They did not ask for this when I refi 'd this line on last year. I called and tried to escalate it. I talk to other B of A lending officers and they knew what I was talking about but refuse to help. There a too many emails and letters to send. You have the full story. Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I did not request credit from XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There was a credit card opened up in my name back in XX/2014 with XXXX XXXX XXXX XXXX which i have never had an account with them ever in my life i am wanting this company to get rid of the negativity off my transunion report and delete it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Sent letter to Equifax advising that XXXX were reporting in-correctly on my credit report. Per credit report, it is listed as a 1 mo term, which I was not residing at that location. Did not received proper proof of validation of investigation. Advise to remove in-accurate reporting. Also XXXX XXXX XXXX, is reporting a debt that is fraudulent. Incident Report # XXXX which will supplement the above mention.

Company response to consumer: Closed with explanation