milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX keep updating payment history to extend time the account remain on the credit file. Last payment was made XX/XX/XXXX.. There reporting two payments on XXXX and XX/XX/XXXX. I never made those payments they are reporting. This account should have been deleted after the 7 year mark.

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 04-07-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a voicemail message from XXXX and XXXX. They stated I ignored a deposition and they were going move forward with proceedings. 

I called them back and they stated that I owe a debt of {$84000.00} that I could settle for {$9000.00} and avoid an issuance of a XXXX. The woman I spoke to said if they issue a XXXX it could result in an IRS lien for over {$200000.00}. I told her to contact my attorney and she screamed profanities. 

Here are the violations they committed:1 ) They claimed I ignored a deposition. I was never sued in the XXXX place. 
2 ) They claimed I owe {$84000.00} on a specific debt, which is not correct. Also, this debt is out of the statue of limitations since XX/XX/2012 
3 ) They claim I could avoid the issuance of a XXXX. They only way XXXX could avoid the issuance of a XXXX is paying the debt in full. 
4 ) Used profanities during the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Prepaid card (ID prepaid card) with NETSPEND CORPORATION (IL).
Issue: Unauthorized transactions/trans. issues

Complaint: I am a victim if ID Theft someone called as it was me and had {$1100.00} transferred to a XXXX in XXXX WI netpend states they are no error I informed them that was not me I was a victim of ID theft and needed my money returned they are refusing to give me my money back I have been a customer for 9 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit card () with AMERICAN EXPRESS COMPANY (SC).
Issue: Rewards

Complaint: I signed up for an American Express Platinum card that promised a XXXX point signup bonus when a spending requirement was met. This offer was publicly available on the Internet. After reaching the required spending amount, my points posted. Shortly after this, my reward account was frozen by American Express with no written notice. The only way I found out the account was frozen was by attempting to make a points transfer. After this failed I contacted the company. They stated that the account was frozen pending a review that would be completed in 6-8 weeks. After waiting this period of time, I tried another transfer. This transfer was declined as well due to the account being frozen. I have paid off the balance of this account as well as the {$450.00} annual fee. There was and has been no notification from American Express to me about the freeze of my rewards account or when the freeze will be released. American Express is electing to audit this account, freezing my ability to use my earned reward points. I feel that they hooked people into signing up for the {$450.00} card with an offer and did not deliver what they promised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Okay I registered for ( XXXX school ) XXXX the school of XXXX in XX/XX/2011 and mid way through my mother fell gravely ill I had to quit the school. I was never certifieed or licensed and did not finish my schooling there. I feel that I was n't fully educated on how a school loan would effect my finances later on as it was my first time receiving XXXX ... .I also have seen how other school educate their students on the various components of the school loans and grants and I know for a fact I was not given that same education on loan awareness and now I still have this outstanding loan which is affecting my credit score and lifestyle. Please help me to resolve this issue immediately. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: This company has contacted references on the account and advised them they were going to take me to jail and because I was due in court. Recently they contacted someone name who is an very extended family member that I do not even talk to ever.. that they were looking for me because I was due in court that day and did not show up. They will be picking me up to take me to jail. I have contacted the company a few times already requesting to speak with a manager or supervisor.. Not an account manager and could not get one. Asked for their escalations department.. Would not transfer me. Said no one else for me to speak to. I asked if they follow FDCPA guidelines and she told me yes. Her name was XXXX. XXXX XXXX is the company. I 've read several other complaints online. What can I do about this? They have been asked by the references no t to contact them anymore and they still do it.. They have a good number for me.. but they threaten me when they call. XXXX even told me that I needed to pay my debt and keep up with who my loans are with I had them confused. I advised her this was my only pay day loan, no one has ever threathened me this this. How is this happening? She would not acknowledge the unlawful practices.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Money transfer, virtual currency, or money service (International money transfer) with JPMORGAN CHASE & CO. ().
Issue: Wrong amount charged or received

Complaint: Good morning, on XXXX XXXX, 2017, I made an international transfer in the amount of US {$21000.00}, from my savings account in the XXXX XXXX to my savings account of CHASE Bank, the International Transfer department of CHASE registered the amount of US {$20000.00}, lowering US {$25.00}, amount not authorized to deduct from the transfer, since they only have to charge a commission of US {$15.00} and after crediting the amount sent. This is an illegal practice of this Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/27/2018 about Debt collection (I do not know) with Central Portfolio Control Inc. (GA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: This company left a voicemail on a SHARED voicemail stating that they are calling from a debt collector. If this continues I will pursue legal action in accordance with the FDCPA which they are VIOLATING.

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 03/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TD BANK US HOLDING COMPANY (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX is harassing me by phone and by mail with a debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/27/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CO).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I opened an account with Coinbase, a US-based financial services company specializing in crypto currency. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX. I traded in virtual currency. They arbitrarily froze my account, would not explain why ( I read the customer agreement meticulously and ca n't understand why ), and now will not allow me to withdraw my money. I have contacted their customer service department at least a dozen times, and they will not do anything except sequester my funds, which are stuck in limbo due to this account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (CA).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: Hello, My mother-in-law received an unsolicited pre-paid debit card from netspend.com. My mother in law is elderly and very upset and concerned about the card arriving unexpectedly in the mail and the potential effect to her credit. After, explaining to her the nature of the solicitation she is now aware of the tactics used by such unscrupulous companies. Netspend.com is practicing in predatory behavior by sending these un-requested cards to individuals, especially the elderly. This behavior can not be allowed. 
Thank you.

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 11-06-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX, XXXX I submitted a short sale application to Ditech. I was represented by a law firm. I submitted every document that Ditech requested to the law firm in a quick, timely manner. I submitted documentation, to the rep. for a total of 18 months. I had two buyers in a contract to purchase the home for the amount that was requested by Ditech. I am a senior who is facing expensive medical issues many of them are due to the stress that was associated with the long drawn out process of being denied to short sell the property. 
I have been in a financial struggle for two years. In spite of having two loan modifications, it was not feasible for me to keep the property secondary, to expensive maintenance, and high HOA fees. I am retired and have been living on a fixed income for the past 8 years. I had the home on the market in XXXX & XXXX the home appraised at {$310000.00} I have two mortgages on the home. I could have paid the home off prior to the recession and would have satisfied both loans. I retired in XXXX and kept the home for eight years until it became too expensive for me to keep. The same home in the XXXX of where I resides did not lose value during the recession the home built by the identical builder is appraised at {$400000.00} today. This is truly unfair. My home 's value plummeted to {$130000.00} during the recession. The appraised value today is {$160000.00}. 
Ditech, decided to foreclosed on the property on XXXX XXXX XXXX. I was never given a reason as to why the home was foreclosed on. I have an unheard of credit score. I have never paid a bill late or missed one. Ditech did not take my credit score into consideration. I have been treated unfairly by Ditech, for almost two years.There is no justification for not allowing me, a XXXX retired, widowed senior, who served this country for over 40 years as XXXX am a XXXX, my home which I invested my life savings into should have never been foreclosed. Now my credit record is ruined. I have requested a Deed-in-lieu however, I was informed that it is too late for Ditech to stop the foreclosure. Green Tree formerly, Dietch was fined {$63000.00} XXXX dollars in XXXX, XXXX for mistreating customers. They reorganized and changed their name to Ditech and the unfair treatment of customers, continue. I am requesting that CFPB conduct an investigation against these destructive practices that Ditech is employing against innocent American citizens especially seniors. 
Please protect me. 
Respectfully,

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax has been compromised and I, along with 143 million others, have had information stolen due to their incompetence. Now all of their services are down. On top of it all, they want us to use their subsidiary to protect our identity while simultaneously having us opt-out of the ability to bring a class action lawsuit to them. 

This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Credit card debt) with USI Solutions Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: USI High Solutions, Inc ke eps harassing my family and myself about a $  XXXX  NON-EXISTANT debt. Calling my family outside of the USA and us in our cell phones and not only feels like harassment but these women are very threatening and they 've try to intimidate us. The debt does n't exist and they need to stop harassing us, specifically calling my husband 's place of work.

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 10/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: To Whom It May Concern : This letter is a follow up to my original letter dated XXXX/XXXX/XXXX regarding an inaccuracy in your credit reporting, regarding the entry being reported under NAVIENT. 
By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. please delete this erroneous reporting from my credit report I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction XXXX on your behalf may result in a small claims action against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In 2017 I filed a complaint with equifax regarding an incorrect balance on my credit report with XXXX XXXX. I informed them that they are reporting inaccurate information and asked them to verify the information. They refuse to remove the false information.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I got a letter from Transworld Systems Inc located in XXXX XXXX, OH dated XXXX XXXX, XXXX for a medical balance of {$21.00}. The letter was not even addressed correctly. When I call them they refuse to give me the debt information first time. I called the second time and then I was given the original debt information. I told them I have not ever used their services. When I called the original debtor, I was told by them they do not use their services at all. Then they could not find anything in their system. Their website is not working properly. They claiming this to be from XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (IA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I am attempting to clean up my past due accounts. I have two left! This week I pulled an updated copy of my credit bureau report so that I would be able to see the amount ( s ) owed and the status of each account. I noticed that one of the accounts had been (   XXXX   XXXX   ) sent to a debt buyer, LVNV Funding. On   XXXX   XXXX   XXXX    I cal led LVNV Funding and spoke to a gentlemen who was very unfriendly when I told him I wanted to take care of my account but after looking at the balance it did not seem accurate. He informed me that my account had been placed with the law firm of   XXXX   XXXX   XXXX   and I would have to contact to law firm to work it out. On   XXXX   XXXX   XXXX   I called   XXXX   XXXX   XXXX   and spoke to a gentleman named   XXXX   XXXX  . I informed him that my account was placed with the firm. He said that the account was placed there in   XXXX   XXXX   and asked why I had n't called before. I told him that I was unaware my account was placed at this firm and I have not received any call or mail notification. He told me it was not his fault that probably threw it away without reading it. I can assure you ( as I assured him ) I have not received any formal notification of the debt being placed at a law firm. I advised M  XXXX   XXXX    that I did not believe the balance was accurate and offered to pay {$300.00} ( balance {$720.00} ). He said they do not settle balances that size and said would take me to court instead. He said that they would add additional fees associated with court costs. I ended the call and called LVNV Funding. I offered them the same settlement. They refused and told me to call the law firm. I am getting nowhere and refuse to be treated like less than a human when I an trying to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Mortgage (FHA mortgage) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Loan servicing, payments, escrow account

Complaint: I divorced in 2010 and by XXXX 2010 a judge decided that my ex-husband pay the mortgage. XXXX I lowered my punctuation in the credit for the delay that occurred since my ex-husband began paying the mortgage. They can verify that XXXX XXXX XXXX XXXX did perform those payments in arrears have even had to go bankrupt. I make all my payments on time I have no fault that a judge has authorized PR my ex-husband to pay the mortgage. I send you attached evidence of the judge 's order

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 10-10-2016 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am in the process of trying to get a mortgage for a new home, I sent a letter out to Equifax like 45 days and I still have n't heard anything back from them! I really need to be moving, and it 's frustrating sitting around and waiting to hear from them. I addressed my main concerns in the letter I attached for you!

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Closing/Cancelling account

Complaint: Citi Bank recently closed my credit card account. In doing so, they took XXXX " Thank You Points '' worth approximately {$1300.00}. I have been a Citi Credit Card holder for over 10 years and I have never had a late payment or missed payment. I have an excellent credit rating.They gave me no warning that they were going to close my credit account or take my points. After closing my account, I contacted Citi Bank and they told me they could close my account and take my points at any time for any reason. They will not give me a reason for doing this. I want my points back. They tell the customers that they " earn '' Thank You points through purchases. Since I earned the points, how can they take them for no reason? I suspect this practice by Citi Bank has been used on several unsuspecting customers who have accrued several Thank You Points. Perhaps a Class Action Law Suit is needed. I see no reason for them closing my account other than to simply take my Thank You Points which I had earned.

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