milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/24/2015 about Debt collection (Medical) with Avadyne Health Holdings, Inc (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is a collection on my report from XXXX XXXX equipment they did not properly charge my insurance XXXX XXXX XXXX XXXX for the equipment I called my insurance and they told me that they pay 100 % of the bill for the equipment I informed XXXX about that and was told that they are not going to resubmit the charges to my insurance company also when I XXXX picked up the equipment they told me that XXXX XXXX pays for the equipment

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (WA).
Issue: Application, originator, mortgage broker

Complaint: US Bank has had XXXX my sellers files under review for short sale approval for the XXXX time since XXXX. The file was completed and sent to a negotiator for a new BPO to be ordered and a new value to be placed on the property. I notified the bank several different times regarding the condition of the property. There was a break in about a year ago and all of the plumbing, electrical has been removed from the home.. US Bank filed an insurance claim against the property for the damage done, but never did fix anything. I was notified by my new negotiator that the BPO was in. That was strange due to the lock box never being opened since XXXX of this year. I asked when the BPO agent was there and he said the XXXX week XX/XX/XXXX. I told him about the condition of the property and he told me the BPO did not have any of this info on it and the pictures that they had also did not indicate the CURRENT condition of the property. I was told by this negotiator that he was just going to close out my file since the BPO and insurance claim were not on file for him to see and our offer was not meeting their VALUES. I told him that I was going to dispute this value and the validity of the BPO. the pictures they have on file are supposed to be from this XX/XX/XXXX, which is impossible since no one has accessed our key box XX/XX/XXXX. There is apparently FRAUD going on here because the negotiator will not investigate this discrepancy or find out why the BPO agent stated this was a recent value. I sent the negotiator the inspection report along with color pictures. bids to repair this work along with the buyers counter offer XXXX. The new assessors value for taxes show the value to be about XXXX which is FAR less than the XXXX value that they have place on it under a BOGUS valuation. This is fraud!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: These companies has inaccurate information on my credit report and I want it off my credit report file. I contacted XXXX, and TransUnion on several occasions more recently on XX/XX/XXXX and  demanded that they remove the bankruptcy off my credit report because they violated the Federal Trade Commission and the Fair Credit Reporting Act when they claim they verified the information through the court system. I have a letter from the United State Issue : Bankruptcy Court that clearly states that they now nor ever validate or verify a bankruptcy. Because of that they clearly violate section 603 ( 0 ) ( 5 ) ( A ) ( I, III ) 611 ( a ) ( 7 ) of the Fair Credit Reporting Act, the court states confirmation of the corrections, truth, and/or authenticity of a testimony in a deposition. It also states that verification is a sworn testimony to have accurate information from the institution from which it came from and they have clearly violated these sections. I still trying to understand how they verified the information when according to XXXX, they could not verified the information and they deleted this same exact thing off my credit file. Therefore I would like it deleted from my account immediately. If this matter is not resolved by XX/XX/XXXX, I will file a civil claims lawsuit against XXXX, and TransUnion Credit Reporting Agency.

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 12-02-2017 about Checking or savings account (Other banking product or service) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Today is XXXX XXXX. This has been a long process and I have a very nice representative help me a least get access back to online backing for my personal card. I hate to write this because I love Capital One but this is a security issue. 

I have a Spark Business Capital One checking and savings account through Capital One. I also have a personal Capital One Venture Credit Card through them. I had separate login for the personal Venture Credit Card from my Spark Business account. I had an issue with the Venture online login and called and they said they now are linking all Capital One accounts whether they are business or personal - their team said they would un-enroll me then I can re-enroll to have my own login for my personal account and my business account. I tried to re-enroll for online access and it would not let me sign up. I called back and the rep said he would look into this and call me back. That was a week ago. So tonight I called and spoke with a nice lady, I was on the phone for 1.5 hours before I was able to access my personal Venture account again.

Time after time, I was told that I would have one login for my business and personal accounts with Capital One. THIS IS A SECURITY ISSUE for I have employees who have access to my business account for bookkeeping and accounting reasons - AND NOW THEY HAVE ACCESS TO MY PERSONAL ACCOUNT. Every time, I was told this is what customers requested and there is no way around it. You have one login for all accounts whether they are personal or business related.

So this nice lady, finally helped me get re-enrolled for my personal Venture Capital One card. She helped me have the username I wanted. We get off the phone, I go and try to log into my business Spark Capital One card and now the business username I previously had does n't work. It is now the same login as my personal Venture Capital One online banking.

THIS IS A SECURITY THREAT FOR NOW MY EMPLOYEES FOR MY BUSINESS HAVE THE LOGIN INFORMATION FOR MY PERSONAL FINANCES. CAPITAL ONE MAKES IT KNOWN TO ANYONE THAT THEY ARE HAVING ONE LOGIN FOR ALL ACCOUNTS. They say there is not other way to have separate logins.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Enterprise Systems, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt was forgiven by the bank. 

The account in question was a reward checking account at XXXX, XXXX, NY office, with address XXXX XXXX, XXXX, NY XXXX. 

The account had accumulated {$38.00} in " no activity fees ''. My wife and I were not aware of such fees on the account. 

When we found out about them, we made an appointed at the local office. On XXXX/XXXX/2016, my wife and I visited the XXXX XXXX located at XXXX XXXX, XXXX, NY XXXX and meet with XXXX XXXX ( XXXX, XXXXXXXXXXXX ). He converted our rewards checking account into a no hassle checking account. He agreed to remove the account fees, which has already been taken care of and resolved. Our " no hassle account '' is still open and in good standing. 

On XXXX XXXX, 2016, we received a debt collection notice from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I promptly wrote a letter, within 30 days, notifying XXXX and his office that I disputed the debt in full and that XXXX had already forgiven it. 

I 've now received a second debt collection notice but from a different agency, on XXXX/XXXX/16. 

XXXX XXXX National Enterprise Systems , INC . 
XXXX XXXX XXXX, XXXX XXXX, OH XXXX I am sending a debt dispute to this agency as well.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Debt collection (Medical) with I.C. System, Inc. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my XXXX major credit reports. This debt is appearing. It is not my debt. I have requested written XXXX from XXXX of the collection agencies/law offices and the original creditor. I requested XXXX over 30 days ago. I have not heard from the original creditor or the collection agency regarding this debt. I supplied a copy of my ID, my social security #, and proof of address to all parties. I was never in their facility/hospital/office. I have shown proof of residence as well as tax documents to show my employment was NOT in their area. I want this deleted from my XXXX as they have failed to prove it is my debt. In fact when I call the original creditor they have an entirely different name and social security # listed in the original file. This is what prompted me to send proof of ID and social security number. This is NOT my debt and I want it closed and removed from my XXXX immediately.

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 08/17/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (MI).
Issue: Money was not available when promised

Complaint: I completed a wire transfer with XXXX XXXX on XX/XX/XXXX at approx. XXXX XXXX EST to Coinbase Inc via XXXX XXXX. The amount of the wire transfer was $XXXX. The information included in the wire transfer is as follows:As indicated by Coinbase Inc, wire transfers may be received the same day if completed by XXXX Pacific, otherwise they will be credited to the account on the next business day.The wire has not been credited to the account as of now, XX/XX/XXXX XXXX XXXX.I contacted XXXX XXXX on XX/XX/XXXX. They verified that the wire transfer was received by XXXX XXXX.I contacted XXXX XXXX on XX/XX/XXXX. They verified that the wire transfer was received and stated that they sent the wire to Coinbase Inc. XXXX XXXX provided the wire reference number.Wire reference number: XXXXI emailed XXXX today XX/XX/XXXX with the information requested. I called the wire support phone number and was prompted to send an email to the above address.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: On XXXX I went into my local XXXX Bank of America Branch because of a Levy on my account. I was given a phone number to call. I contacted the Rep at the bank who would not provide anything but a phone number to call and a reference number. The Levy was initiated in New York against my business. The Legal Department would not communicate with me or my Attorney, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. I specifically inserted compliance with the Rep. XXXX XXXX XXXX of XXXX Law in New York. The bank refused me access to {$2600.00} and began charging insufficient bank charges. The Bank allowed Levy of a personal account that is for my husbands Workman 's Comp, XXXX XXXX Check in the amount of XXXX, as well as the personal account had less then XXXX in it at the time. This is above the legal limit to freeze and account in the State of New York. 
All bank charges, including XXXX on {$100.00} Legal Order and charges for returned checks have not been returned. As of XXXX XXXX, I have not received any writtten documentation from the bank or the exempt form required by law, neither has my attorney received these documents. I have also referred this to the New York State Banking Department.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Mortgage (FHA mortgage) with NATIONS RELIABLE LENDING (IL).
Issue: Application, originator, mortgage broker

Complaint: XXXX   XXXX   (    XXXX   ID  XXXX  ), called me with detailed information he somehow got from a credit check I had done in early  XXXX . I have turned down several of his calls and when I asked if he was associated with my lenders, he declined to answer. When I asked if he was trying to sell me something, he declined to answer. He is using high pressure tactics meant to confused people into giving their information.

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 01/15/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Problem adding money

Complaint: I need to send money to my XXXX account. Capitalone is blocking my efforts. They will soon loose me as a customer for this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (PA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have been busy since my mothers XXXX & TD BANK was was where I initially had problems YET ON MY APP GOR CREDIT credit bureau reads, ... contact TD Bank ... wow!!! TD Bank lied, conducted obviously blatant unethical Federal Banking slaws of SEC ( I didnt know to put a FRAUD alert upon my moms XXXX!? Therefore, XXXX XXXX was determined a fraudulent signature but TD Bank said the I DEPOSITED THE CHECK THERE???? Lie I never banked there but the incriminate of money that was suppose to be directly deposited there..!!!?! 
XXXX XXXX XXXX said I m denied credit and must call TD Bank!!!!!! 
They are spiteful & here I thought a Bank!!!?!

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Other debt) with The CMI Group, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have received a notice from Credit Management LP, in regards to a balance what XXXX XXXX XXXX. This charge is for the equipment which was returned, and in a timely fashion. The balance is still being reported and is inaccurate.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax did not properly " reinvestigate '' the false item on my credit report that does not belong to me. It did n't not tell the method it used and did not provide me with copies of her supprporting documents to support its conclusion. And, most importantly, it did not remove the erroneous item.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX ( Preferred Customer ) put that account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Trans union several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Trans union credit report and to stop this harassment.

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 07/28/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (NJ).
Issue: Trouble during payment process

Complaint: On XXXX/XXXX/2017 I made a payment on my FHA loan that reduced my principle balance to below the 78 % of purchase price that should have triggered automatic removal of PMI from the account. During this time period our loan was in the process of being transferred from XXXX XXXX to LoanCare LLC. I spoke with customer service from both institutions around that time and they confirmed that PMI should automatically be removed from my account. 3 months have passed and I have again reached out to LoanCare LLC and they still have not removed the approximately {$85.00} they are charging me every month for PMI. They are insisting that I have to send them a request in writing to remove PMI which is in violation of HUD/FHA policy. Between 78 % and 80 % you have to request removal in writing. Below 78 % should be removed automatically. I am also under contract to sell the house which puts a tight time frame on fixing the error.
To compound the problem their website at the same time says I do not have PMI and yet I see the {$85.00} coming out each month. LoanCare LLC customer service reps continue to confirm they are charging for PMI and despite talking with their managers a few times they will not give me a straight forward answer or even send me an email stating they are review the issue. Because the website states we do not have PMI we ca n't even fill out the form necessary to request the removal of PMI, which at times the company says we are required to fill out to remove PMI, even though we are below 78 %. We have spoken to customer care members XXXX ( ID XXXX ) and XXXX ( ID 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 explanation
Consumer complaint received 12/16/2015 about Debt collection (I do not know) with PAYPAL HOLDINGS INC. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I made a purchase in XXXX 2015 from XXXX paying with Pay Pal who has my credit card number. After a period of time, I 'm not sure how long, I received a call from Pay pal credit saying I owed them money. I contacted Pay Pal and they said I did n't owe anything. 
I continued to receive calls from Pay Pal credit so I just ignored them since Pay Pal said I owed nothing. This is XX/XX/XXXX and I have been receiving calls from Pay Pal Credit daily. l returned their call and spoke with a man who said I owed them from a purchase in XX/XX/XXXX. I asked him what the purchase was and why they did n't get the money from my credit card which they have on file. He said they do n't have my credit card. He said that he was not with Pay Pal but with Pay Pal Credit and that I had agreed for Pay Pal to bill them for my purchase. I told him I never made any agreement with Pay Pal except for them to bill my credit card which they have on file for my purchases. He said I agreed to use Pay Pal Credit and had given them my social security number and phone number. I told him I never gave consent for any form of payment to pay pal other than my credit card. 
He said I owe Pay Pal credit {$270.00} for the initial purchase plus {$36.00} interest plus additional charges for unspecified fees. 
I do not object to paying Pay Pal the {$270.00} due for the purchase as I agreed using the credit card they have on file. I do object to paying any interest or other late fees occurring due to their sending my bill to another credit company without my knowledge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There have been a multitude of credit inquiries under my name that I did not authorize or commit myself. I noticed inquiries from American Express, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Card, etc. Someone has been using my information to apply for credit. Since I noticed all these inquiries, I have placed a credit freeze on all of my credit reporting agencies. Furthermore, I have contacted most if not all the accounts and requested they be closed under fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: My credit report is not right and old accounts are still there and I want it off my report even old inquiries I want off of there need to be removed time is of the essence

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 non-monetary relief
Consumer complaint received 12-12-2016 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Application, originator, mortgage broker

Complaint: I will be addressing Fraudulent Note XXXX and Fraudulent Note XXXX Federal Truth-In-Lending Disclosure Statement Tax/Insurance Payment Notice XXXX Addendum-No. XXXX to uniform Fraudulent Residential loan application The Borrower 's Certificate The Lender 's Certificate XXXX XXXX XXXX Wells Fargo Authorization to disburse the net proceeds from the re-finance of the premises according to the fraudulent ( XXXX ) Title Insurance for Title No : XXXX Notice of Owner 's Title Insurance The Lump Sum Disbursement Certification ( For Borrowers requesting at least 25 % of the Net Principle Limit as an INITIAL LUMP SUM DISBURSEMENT ) By signing below, the borrower ( s ) acknowledges they have been advised that the Federal Law prohibits using any portion of the Lump Sum disbursement of HECM Loan PROCEEDS for payments to or on behalf on an estate planning service, as that term is defined in Paragraph XXXX. XXXX APPLICATION STATES THE DISBURSEMENT WILL BE A LINE OF CREDIT.

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 03/24/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: repeated phone calls on my cell phone and to my work. Called my ex-husband, my XXXX neighbor, threatened me at work. called 5 times within 10 minutes at my job. Yelled at me they wanted HR and then the payroll manager to garnish my wages. I told them I was at work and could not receive phone calls. Immediately after receiving this information, they called repeatedly with more threats.

Company response to consumer: Closed with explanation