milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/19/2015 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: American express reserve issues debit cards based on email verification, not a real identity of the person like social security number.I received a debit card sent by a scammer and I deposited {$500.00} towards comcast service for 5 months as a promotion.Scammer even sent me all details about comcast services and when called the number it said XXXX menu. 
Actually scammer filled my information and gave his email and when american express sent him email confirmation, he clicked and got approved a debit card for XXXX without depositing single penny. I Can not imagine opening an account without real identity of the person. 
American express reserve agent informs me that debit cards are not fraud protected and buyer be aware.Why is american express is allowed to issue debit cards based on email verification.This is a perfect recipe for scammers and terrorists to transfer money, if american express can not trace the XXXX XXXX. 
your agency should take action against american express as it is the part of the problem anddamages are enormous and irriversable.. 
Is it a fact that debit card purchases are not protected from fraud, as they claim.? 
I do not find that in the accompany rules, it promotes direct deposit of salaries, incomprehensible that this fraud is allowedIf not please let me know I will pursue with american express. 
XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I was buying a car. The car was totaled by a natural disaster. I had full coverage and GAP insurance. the company reported a balance on my credit. I contacted XXXX, Experian and XXXX. All except Experian refuses to remove it. I have the supporting documentation saying XXXX and XXXX removed this from my credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I have been doin searches for the Bank of America and XXXX XXXX for the last year and a half since they stole my home and caused my kids and I to be homeless. They took over XXXX in equity that i had In my house, which i lived in since XXXX. 
They violated every part of the XXXX XXXX XXXX there is to violate. They lied, forged documents, stopped responding to me, led me to believe they were going to help me, never provided any viable solutions by keeping me in the dark until finally, while under the guise of reviewing documents that they said they never got, auctioned my home in XXXX XXXX. 
Sound familiar???? It should because last XXXX, the CFPB sued them for this exact situation and recovered XXXX XXXX dollars as a result of these corrupt and common practices. 
So I ca n't hire a lawyer because they left me penniless and homeless. They were able to sell my house at auction within a minute of it going on the auction block. Sound fishy? Of course it does. They did n't even have the right paperwork for the deed. Everything was falsified. 
They were outside of the legal time allowed to go after us for the Debt. They did not ever even attempt to contact my ex husband who was on the title to the loan and the seed, at any point in time. 
They were guilty of dual tracking, falsifying documents, false signatures, robo signing, assigning me to XXXX point of contact, etc. The list goes on. 
What happens with the money that was won in this lawsuit? Do I get any of it? Can u get what is due to me from the equity I had in my home? I lost EVERYTHING in the house. All of my pictures, XXXX in antiques and furniture, tools, kitchen items, clothes for All of us, documents, files, paperwork, etc. I do n't think I am asking for anything outside of what was mine. 
If I did this in a store, I would go to jail. You can not take what is not yours to take. You can not falsify information, to suit your cause or intention, to acquire possessions. It is wrong on so many levels and has to be illegal. 
The CFPB 's job is to protect the consumer. My question is this. When the CFPB collects money from a company that has taken illegal and wrongful action on individuals who were directly affected by such wrongdoing, where does thst money go???? Whos hands does that go to? Please help me to understand how and why this can happen in our country. And help me to undestand when a company has to pay money, based on people 's financial demise and solely on evidence and factual data proven by a judge who has determined that the accusations are In fact valid and can not be argued, then how is my share of that money, that I feel I am entitled to, going to end up back in my hands? Will it ever? Thank you for your time.

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 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have filed disputes with XXXX and Equifax 30-45 days ago concerning this and to this day, It is yet to be corrected. The balance on my reports is showing that I owe {$19000.00} for Child Support. This is untrue. I have called and spoke to representatives at Child Support and that informed me on how much I owe and It is WAYYYYYYYY far from the amount that they have on my credit reports. The Child Support office informed me to dispute this on the reports. Which I have, but I have yet to hear anything from them. They are showing late payments and all. This incorrect information on my reports is causing me not to be able to secure financial security that I would like to purchase my family a home. Please I need someone to get this incorrect information off my report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Thrive National Corporation (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I joined the XXXX XXXX XXXX. When I cancelled my contract with the company due to moving, I had to mail in proof that I moved out or the XXXX mile radius of their corporation. I did so, but almost a year later they contacted me to inform me they would only accept XXXX of my documents even after proof of relocation. I talked to a representative and they stated I would still have to pay the full amount after XXXX of my documents was valid, although their contract stated XXXX of the type of forms that I submitted.

Company response to consumer: Untimely response
Consumer complaint received 10/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Real Time Resolutions, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Real Time Solutions is a collections agency. They are not the original creditor to whom the debt was owned. I have disputed their reporting to XXXX, XXXX and now they are reporting expired debt that has passed the 7 year reporting time to XXXX. On XX/XX/XXXX their reporting of XXXX XXXX for {$68000.00} expired. XXXX removed it from my credit report. However on the same date that the date expired, XX/XX/XXXX, Real time solutions reported it as new debt. XXXX did not check the report and my credit score dropped XXXX point. 

I had problems before with this company. They do not report credit history debt. After I dispute their information being reported and it is removed, Real Time Solutions report it again as new debt. The credit Agencies do not check if this has already being previously reported, and removed. The data is taken as a new report and reported against my credit history. Real Time Solutions need to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have been a victim of transunion inquiry issue. I have called them to try to resolve issue but customer service was no help. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 11-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was added to a certain credit card as an " authorized user ''. The main reason is the primary did n't want the husband to know she opened another card. She 's in debt badly and uses my card so husband is left clueless. I repeatedly asked the primary to remove me from this card. Of course matters got worse when I requested that. Primary finally contacted the credit card company as did I and requested my total and complete removal. I am not responsible for this bill any longer. I have faithfully paid on this card for over 2 years, charges that were n't even mine but the primary 's. The primary has yet to accept responsibility for the " current balance '' which is not mine. This is making me and my credit look bad which took me years to get my credit back due to a lot of personal reasons. Transunion has been contacted numerous times by me to dispute this and remove it from my credit report. I disputed this mess to Transunion via XXXX XXXX and to them directly.They are the only company still showing this account on my report. All others took care of it immediately. I 'm not sure if I should list the credit cards name? Please help. Thank you for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Debt collection (Federal student loan) with Allied Interstate LLC (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: When contacting Allied Interstate LLC to try to resolve an issue regarding my debt they were very unprofessional. I spoke to a representative that was very rude and offensive. It was clear from the moment I made the phone call that no one really cared to help me. After taking a verbal beating from multiple representatives I requested a supervisor and was appalled when the representative told me to basically ask her nicely for one. Once I spoke with a supervisor ( XXXX XXXX ) he was not much help either. He never offered me empathy or apologized for the actions of the representatives. He offered to call me back to help resolve the issue and I have a feeling I will have to call this company back again. This company makes it near impossible to resolve any issue that involve them needing to correct a mistake they have made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/18/2016 about Student loan (Non-federal student loan) with AES/PHEAA (AL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Student qualifies for temporary hardship forebearance as stated in American Education Services ( AES ) policies that allows 24 months in three-month increments. Student has applied for three 3-months and approved immediately. Student applied back in XXXX XXXX, 2016 for the fourth due to a mix up in the application form. Student applied electronically this time as suggested by AES ; however, student did not receive notification of the receipt until XXXX XXXX, 2016. Student called and inquired, immediately, upon receipt because loan is due XXXX XXXX, 2016. Student called again this a.m. to inquire about the approval and was told that XXXX XXXX ( provider ) noted it was still in review. XXXX XXXX is using delay tactics in order to force payment from students that are clearly in hardship and, eventually, student loan default. In the past this process only took one day to complete.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (OH).
Issue: Managing the loan or lease

Complaint: My husband took a loan for me XX/XX/XXXX for a reliable vehicle XXXX Prius. He added me as a joint account holder, however due to his loss of job he filed bankruptcy XX/XX/XXXX he had to file bankruptcy on the account. I took over the payments for the vehicle but recently we were in an accident. The car was rear ended and deemed a total loss. The loan did not have GAP insurance included, there is a remaining balance of XXXX after payment from the insurance claim. I have called Toyota Financial on 5 occasions to discuss what would happen to the account because of the Total Loss, each time I called I would get a different scenario. On XXXX occasions I spoke with a representative in Total Loss Department who stated that I was no longer responsible for the balance due to my husband filing bankruptcy on the account in XX/XX/XXXX and that Toyota Financial would not be pursuing me for the balance due. On two other occasions I spoke with Total Loss Department employees again who stated I would be responsible and that they would be contacting me to make payment arrangements, once payment was received from insurance. After the initial conversations with representatives occurred that discussed my not having liability for the balance there were notes placed in the account to deter this information being communicated to me and Customer Service reps started to ask me the nature of the call prior to transferring me to the Total Loss Department. Toyota Financial is the financer and they are demanding full payment within 20 days from the date they received payment from the insurance. This request is unreasonable, and I did not agree to this. There has been not documentation or evidence presented to me showing that this is an agreed or allowable method in collecting payment. Thus far my payments have been timely so there is no reason for me not to continue paying on the balance of the loan. However, paying XXXX off is extremely unrealistic and is causing extreme financial hardship. I am requesting additional time to pay this balance in full, a structured payment agreement. This is not too uncommon in situations with total loss vehicles with balances due, Toyota Financial has not provided proof of any agreement showing where I accepted the terms of Total Loss payoff within 20 days.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Debt collection (Private student loan debt) with CHECK INTO CASH INC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: We are currently living in a hotel situation vouchered, we been threatened with the selections ive made including damage to credit, future locations and privacy. 

We have filed for bankruptcy, and do not have any money or discussion with anyone since XX/XX/2012 on how we can altleast get out of the violence from tbe housing crisis On numerous occasions including today, we have no resilience against the money received and recently stolen from us from a place were we only use for luggage sleeping bags and food storage. 

We had about XXXX stolen from us in just seconds. 

No reciepts no identification, harrassed hassled in public and private area were we pay for privacy ... each address is never kept safe of confidential, no cooperation on anyones part. 

XXXX California, we currently are working on changing our unit but each time there's an issue with controversy. 

I would appreciate if atleast someone can help us get the money from those who stole it, while were we only using places for sleeping bags, luggage storage and food storage. 

XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Debt collection (Payday loan) with Midwest Recovery Systems (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was notified by XXXX that a new account was placed in collections. Opened in XX/XX/2016 and placed in collections XX/XX/2016 for {$810.00}. I have not applied for a payday loan nor has any money been deposited into my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Debt collection (Other debt) with Thunderbird Collection Specialists, Inc. (NV).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Today XX/XX/XXXX the Collection Agency known as Thunderbird Collection Specialists, CRS XXXX, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ phone XXXX XXXX XXXX called me in a very loud and abusive tone of voice demanding in payment of debt TCS filed in XXXX in my Credit Report. The debt originated from the Landlord failing to comply with the apartment amenities as per Leasing agreement. Several complaints were filed against this Landlord and are found on line. 

I told TCS CRS XXXX that TCS have filed the debt in my Credit Report on that year of XXXX mailing all correspondence to my address. Therefore, CRS decision to demand immediate payment calling me is ILLEGAL and constitutes a desire to harass me at my home.

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 01-02-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NM).
Issue: Fraud or scam

Complaint: I have a Bank Account, and a Credit Card, registered with PayPal. Pay Pal will not let me remove my Bank Account from their system due to " pending transactions '' even though I have had NO transactions in over 100 days.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Debt collection (Medical) with Capio Partners, LLC (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On my credit report it says I owe XXXX medical bills which I know for sure I do n't because I 've always had medicaid. Plus I 'm not understanding how XXXX bills are the same amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NJ).
Issue: Managing the loan or lease

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have the following companies and Equifax know that I have seen many unrecognized and unauthorized inquiries into my credit report that I did not do. I have yet to recieve an response from Equifax or the companies regarding my request to remove/investigate these inquiries. The inquiries in question are ; XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Debt collection (Credit card) with Resurgent Capital Services L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They refuse to reply to all my disputed letters I sent to them, and refuse to fully remove the collection off my credit report. XXXX and XXXX has already gotten notification of removal but they have not removed it off my XXXX report and it is impacting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (WV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX, 2017 I sent XXXX XXXX XXXX a debt validation letter that they have ignored. It is my right per the FDCPA to ask for certain proof of documents and they have not, because they CAN NOT. I then sent them a HIPPA letter, and they have removed one of the three accounts. They are violating my rights under the FDCPA because they are refusing to validate these bills!

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 02-02-2016 about Mortgage (VA mortgage) with United Shore Financial Services, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold by United Wholesale to XXXX XXXX in XX/XX/XXXX. Since then both companies have withdrawn {$1500.00} from my account twice ; once on XXXX XXXX and again on XXXX XXXX. I have contacted United Wholesale MULTIPLE times to resolve this problem, they have repeatedly said they have no record of our mortgage and yet continue to withdraw money from our account. As a consumer, I have the right to not be caught in the crossfire of mortgage lending companies buying and selling my mortgage. Now I am being subject to overdraft fees because of four months worth of mortgage being withdrawn in two months. This can not go on.

Company response to consumer: Closed with explanation