milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: On XX/XX/XXXX, I received a credit report alert for the first time through TransUnion notifying me about a delinquent account that was reported to the credit bureaus ( which had detrimental effect on my credit score ) by a collection agency, named XXXX XXXX XXXX. This agency acted on behalf of XXXX XXXX Fire Department ( XXXX ) regarding what is perceived to be an overdue payment for XXXX ambulance service on XX/XX/XXXX. While it is true that I had used an ambulance service on that particular date, I had never received a bill through the mail in this regard, bearing in mind that my insurance coverage pays the ambulance service 100 %. 
On XX/XX/XXXX, I contacted XXXX XXXX XXXX to locate my collection account. I discovered that the agency had me under a different last name ( XXXX and not XXXX ), they did n't have my full address ( just the building address without apartment number ) and did n't have my social security number. Afterwards, I called XXXX who acknowledged to me that they had sent a bill to an incomplete address ( a mistake from their part ) and that the mail bounced back to them and they did n't search for my information. They also notified me that they will file a claim to my health insurance company and they will pull back the collections claim and apologized for their mistake. Since, I was kept in the dark for a year and I did n't receive a single mail to inform me of these developments from either parties, I kindly ask to notify all credit bureaus to remove any negative impact this situation could have resulted in my report.

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 11/23/2016 about Debt collection (Medical) with Medical Data Systems, Inc. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The collector has called another family member and constantly keeps calling my cell after I said stop.

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 05/24/2016 about Debt collection (I do not know) with STERLING JEWELERS, INC. (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: A person named XXXX called me and said this ( I have kept message ) " Good morning this message is for XXXX XXXX. My name is XXXX. I am calling in regards to a formal complaint and summons that was faxed to my office this morning. XXXX you have the opportunity to contact the plaintiff to resolve this matter voluntarily. They can be reached at XXXX. Refer to case number XXXX. XXXX XXXX. You have been officially notified. '' I called back and was hung up on for not providing my birthdate and told I was " breaching security. '' I called back and I was then yelled at and told that they represent Kay Jewelry and that I 'm being sued for fraud and theft for an unpaid {$220.00} debt on a credit card ( which was discharged in bankruptcy ). I explained the debt was discharged and I was told the debt could n't be included in a bankruptcy and that my only choices were to pay the debt today or file bankruptcy again. 

I was hung up on repeatedly when I asked for an address where I can send my papers. I was called " a child '' " irresponsible '' and a " thief '' and was told that I " racked up debt purposely '' with " no intention of ever paying the bill. '' I was told that a process server would be at my house the next day and that I would be arrested. When I asked whether Kay Jewelry was actually their client, they hung up on me. When I asked for information about their business, they hung up on me. 

This is obviously a scam and these people should be stopped. I am pretty tough, but this one rattled me. I would hate to think what would happen if someone unsophisticated or elderly received a call from them. They are terrorists.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have been disputing XXXX sales and lease AKA XXXX rents on all three of my credit reports for reporting false and inaccurate information since XX/XX/XXXX 
I had to finally reach out to the Governers office of consumer protection in GA against XXXX 's because I requested they, XXXX validate the debts for me, sending them a certified return reciept letter dated XX/XX/XXXX -- -To Date -- - they never responded to my request. 
I reached to to the Governers office in XXXX and they tried to reach XXXX XXXX see attached letter XXXX AND even they were ignored ( see attached ) In the intern ALL negative accounts with XXXX 's were delete from both XXXX XXXX XXXX see attached ) and XXXX with the exception of Equifax. 
I then sent Equifax a letter, certified return receipt requested and date stamped XX/XX/XXXX XXXX See attached XXXX asking them to please remove XXXX rents as they are not complying or responding and that XXXX XXXX and XXXX have deleted them from my reports. 
I have allowed sufficient enough time to hear back from Equifax -- - to which I have not, so today XX/XX/XXXX, I called them and once AGAIN explained the situation and asked that they remove XXXX rents negative inaccurate report from my credit report. 
NOW -- Equifax is stating " they can not remove it, only XXXX can '' I have been made aware that the credit reporting agencies are supposed to report ACCURATLY, and I have gone above and beyond to prove that XXXX is not reporting ACCURATLY and Equifax is denying my request and essentially telling me, even with the information they have, all the disputed I have made since XX/XX/XXXX till current, that they are refusing to comply. 
I wish to file a complaint against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Over a year ago, XXXX XXXX " blacklisted '' me after attempting to steal from me ( a previous complaint covered this ), and has repeatedly pulled my report since ( see " XXXX XXXX '' and " XXXX XXXX '' for all false inquiries ) then and told me that they 're " reviewing my credit application '' and would get back to me. I have the link to check what 's going on ( well, to see what card they say they 're looking over ) which is here : XXXX XXXX  XXXX. ( See " XXXX XXXX '' and " XXXX XXXX '' for some recent attempts of this as seen in their system. ) I have tried to reconcile this fraudulent use of my credit report as well as their theft, and they have continued to stonewall me ( see " XXXX XXXX '' that shows them explicitly stating that they refuse to listen to me at all unless I show them " new information, '' despite showing plenty ). I believe Experian ( the credit report that the inquiries from XXXX XXXX show up on ) previously asked that I dispute this through XXXX XXXX, so XXXX XXXX stonewalling me has made it impossible to get the several false inquiries removed. 

It is additionally evident that they are false and unauthorized as XXXX XXXX 's system shows that the " applications '' are all " cancelled, '' and they never give/gave a further explanation for that.

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 05/24/2016 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (NC).
Issue: Settlement process and costs

Complaint: In regards to the CFPA complaint response to # XXXX Specialized Loan Servicing failed to have a Date for the Blank Endorsement Stamp on Equity Agreement Document and to identify the " Note Custodian '' holding original documents.

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 07-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Hi My name is XXXX XXXX My loan was originally listed as XXXX XXXX XXXX. 

We received a Mortgage from HSBC back in XXXX 2003, after keeping it we fell into hard times and was approved for a loan modification and then the worst thing that could ever happened. The person who approved it after they reviewed our financial records stated that we were all set and that someone who was her boss was going to speak with me. When she turned the phone over to him, he was the worst person I had ever talked to in HSBC at the time and flatly told me that he did n't care who approved me that he was n't and after the conversation left me crying in the rain at XXXX XXXX. I complained and called back because we had met the qualification criteria and received a call from HSBC on the terms and conditions of the loan modification. 
However, because he was having a bad day, it prevented us from getting the necessary assistance needed. I 've called you all on more than one occasion, even when dealing with XXXX I was advised to reach out to someone. This was the case of someone who abused their power to prevent us from saving our home. I may be insignificant to you, but this was our first home and we lost it because someone decided to exhort there authority aggressively. 
When you mistreat people it does tend to hit the company the hardest even when the majority of the company is not responsible for a few people who operated in corruption, but the acts of one person can hurt and this is the same situation. I 've sent letter by mail, and I 'll called via phone on numerous times and no one returned my call. I 'm trying again to reach out to someone that will hear me and have compassion to help us. As this event was unfair and we were mistreated. 
The address at the time is listed below. I have n't given up because this happened years ago, it 's still wrong and should be addressed. 

I look forward to hearing from someone at HSBC. 
Regards

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX XXXX was paid 2 years ago but Equifax is reporting CO XX/XX/2016 where this account is paid years ago. Please see the attached screenshot. 

XXXX XXXX XXXX XXXX XXXX XXXX is also a paid account but EFX is reporting CO XX/XX/XXXX. This account is paid years ago and there is no new activity like you can see in the screenshot that how other credit reporting agencies are reporting the same account. 

XXXX XXXX XXXX XXXX XXXX is account which was paid 5 years ago but Equifax started reporting CO XX/XX/2016, XX/XX/2016, XX/XX/2016 and XX/XX/2016. 

I am disputing this incorrect reporting but Equifax is not correcting this issue and reporting CO in the current month every month on closed and paid accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: repeated calls after being told that I was laid off from work. adding stress to my dilemma by questioning me about how I survive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2015 about Debt collection (Payday loan) with FIRST CASH FINANCIAL SERVICES, INC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: The company called me threatened to have me put in jail and I would have to attend classes if I did not pay full amount. Told me I committed fraud and had to pay full amount or they will send me to my county court. Contacted friends and relatives and revealed personal information to them regarding my debt. Threatened to take my references to jail as well

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Money transfer, virtual currency, or money service (Virtual currency) with M&T BANK CORPORATION (NJ).
Issue: Confusing or missing disclosures

Complaint: My complaint is with M & T and their lack of communication and disclosure.. Hudson City Bank and M & T Bank , merged XX/XX/XXXX ... .to date, I have not received ANY information from them as to the process of which determines when I should receive my frozen assets currently with XXXX XXXX XXXX . XX/XX/XXXX I previously submitted a complaint ID # XXXX XX/XX/XXXX Received a written response from M & T Bank indicating they have sent out a communication letter dated XX/XX/XXXX ( they did not send me a copy of that letter, but only provided the date ). I never received this so called letter. I asked other former Hudson City employees and they did not receive this letter as well. The letter stated that M & T had filed an application for termination to the IRS ( dates were not given ). Once the termination has been approved by the IRS, benefits will be distributed as soon as administratively possible. I have enclosed all documents pertaining to my complaint, which was sent to me dated XX/XX/XXXX. ( as per the letter, if I had questions, I can reach out to XXXX XXXX @ XXXX I called XX/XX/XXXX, XX/XX/XXXX as well as XX/XX/XXXX with no voicemail to leave messages, the phone continuously rang and rang. I called the IRS, XXXX XXXX, ( Special Services ) XXXX. he said that I have to call M & T Bank as he shows the application was approved and they are the party to release the funds in XX/XX/XXXX. I thought to call XXXX XXXX XXXX XXXX, to check to see if the funds have been released without me being advised. The woman I spoke to explained that it is still frozen, and M & T should be the party to release them. There are several hundreds of former Hudson City Bank  employees awaiting the same. This is utterly ridiculous that the left hand does n't know what the right hand is doing??? It has been almost a complete 19 months since the M & T vs. Hudson City merge and several hundreds of us do not have a clue as to when we may expect M & T to release our money!!!!!! I am requesting CFPB mediate, as this has fraud written all over this. M & T must be out of compliance as more than 20 people I have spoken with have not received any information regarding our entitled money.
I can be emailed : 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 06-10-2016 about Debt collection (I do not know) with Brown’s New Credit Bureau Inc. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: on XXXX/XXXX/16 at XXXX I received a call from a XXXX XXXX introducing her self requesting why the bill had n't been paid after several notices had went out, when I asked to verify the address or the amount she responded never even advising me where the collection was from, 'you got the letters and continued yelling, i asked can she please lower her voice and i would verify my address since i moved within the last year. She continued yelling and cussing ( so not necessary ) XXXX if you do n't give me your address i will find you one way or another. i asked again please lower your voice there is no need to yell she continued with Im not yelling and im done i will find you, then hung up, i called back to speak to a supervisor and she answered the call saying she was the supervisor and that XXXX XXXX did n't have time for this nonsense and hung up again.

Company response to consumer: Untimely response
Consumer complaint received 02/19/2018 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I wrote a letter to XXXX XXXX XXXX. On XX/XX/XXXX I wrote a second letter. on XX/XX/XXXX I called the company and asked for clarification on the debt and was not given any information about the debt or if my correspondences have been received. 

The company has not provided an accounting of what money I owe. 
The company has not provided an explanation of how they calculated what I owe. 
The company has not provided any documentation to prove what I owe. 
The company has not identified the original creditor nor provided their current contact information. 
The company has not provided proof that they are licensed to collet this debt in my state of New York The company has not provided me with the contact information for their registered Agent for Service of Process Even though I have disputed this debt, the company has not removed this debt from the credit reporting agencies

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 05/30/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (OH).
Issue: Making/receiving payments, sending money

Complaint: Citibank issued a prepaid/debit card for a refund from XXXX XXXX after switching service from XXXX XXXX. This refund was issued in my deceased husbands name b/c the account was in his name. The card has been lost/misplaced and is due to expire on XXXX XXXX, 2016. I have contacted Citibank 3 times in an attempt to have the missing card replaced. They have refused to do so without paperwork from an executor. I have explained that there was not an executor of his will as nothing went through probate and faxed them the will ( twice ) to show that all of his possessions were left to me. They have not noted the account as such and say that they have not received the will. I find their refusal to replace the card invalid as the first card was sent out after my husband 's death and feel that they are keeping the money unfairly. I am a XXXX year old widow living on social security and the {$87.00} they are refusing me could supply groceries or other needs.

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 10-04-2015 about Credit card () with TD BANK US HOLDING COMPANY (IL).
Issue: Closing/Cancelling account

Complaint: On XXXX/XXXX/2015, I called Target to cancel my Target REDCard. The agent I spoke to XXXX would not listen to my request to close my account. He refused to close the account and despite my many interruptions, he continued to suggest reasons why I should keep the account open. I continue to repeat my desire to cancel the account and he continued to ignore me. I put my husband on the line because I was too uncomfortable to continue the conversation. XXXX would not cancel the card for my husband either. He continued to ask for me to be put back on the line. My husband made it very clear that the card should be cancelled and only then did I get back on the phone. XXXX then proceeded to pressure me more to keep it open. I gave the phone back to my husband and my husband asked if we could speak with a supervisor and XXXX refused stating only that I could make the request, not my husband. Finally we hung up, called back and spoke with another agent. The new agent attempted the same route, but we were more forceful this time and did not allow he representative to do anything but cancel. We spoke over the agent with each continue pressure tactic and stated that we needed to cancel immediately. We had to repeat the request to cancel over XXXX dozen times to make sure the agent did not continue the refusals.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Citi Mortgage is not reporting payments to credit bureaus. And I have spoken with them on several occasions in an attempt to remedy this issue

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 12/28/2017 about Checking or savings account (Other banking product or service) with TD BANK US HOLDING COMPANY (NY).
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint: I purchased a bank check in the amount of {$1500.00} payable to my granddaughter. My granddaughter missed placed the check and I put a stop payment on the item. I was told that the replacement of said item would take 90 days. I found this unacceptable. I tried to get them to replace it sooner and they will not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/18/2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: On   XXXX   XXXX   XXXX   I ,  XXXX   XXXX , purchased the property known as  XXXX   XXXX   XXXX ,  XXXX , NY  XXXX  from my uncle,  XXXX   XXXX  in which a mortgage granted to Ba nk of America  was satisfied but the satisfaction recorded in  the county cl erk 's office was incorrect.    XXXX   XXXX  granted a mortgage to Bank  of America on   XXXX   XXXX   XXXX   in the  amount of {$160000.00}. This mortgage was consolidated with another mortgage granted to Bank  of America on   XXXX   XXXX   XXXX   in the amount of {$6100.00}. On   XXXX   XXXX   XXXX   the cons olidated mortgage was paid off but Bank   of America filed a satisfaction for the {$6100.00} mortgage only.
On   XXXX   XXXX   XXXX   a request for a lien release was faxed to Bank of America togeth  er with the title report,  Request  ID # :  XXXX . Bank  of America was inf ormed that I am selling the house on    XXXX   XXXX   XXXX   and title needed to be clear a least a week before the closing. Bank of America has stated that the lien release department has picked up the request on   XXXX   XXXX   XXXX   and are   working on it. Since a new ID number from the lien release department has not been generated, the request is NOT being worked on. It is imperial that I close on    XXXX   XXXX   XXXX   and I do not have the luxury of waiting for Bank of America to file a satisfaction that was to have  been done correctly in  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 non-monetary relief