milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: A company called XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX pulled my credit report without my authority and had no business needs or practices with me. This was done on XXXX XXXX, 2016. I challenge the credit company to verify this transaction.

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 05/31/2017 about Debt collection (Other debt) with Stevens Business Service, Inc. (MA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have as ked Stevens Business Service multip le times to stop calling and they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: TD Bank has restricted XXXX from linking my account. They originally did it with my debit card but will not allow me to link my bank account. I need to have this linked in order to withdrawal funds and they put me in a stressful position. They have restricted this with another website as well.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Debt collection (I do not know) with Hunter Warfield, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This has been on my credit for over 7 years. After 7 years it 's supposed to drop off of my credit! .... plus I have no idea what this is even from. I have had lots of fraud on my social security number. Even the IRS has contacted me about this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2018 about Mortgage (Conventional home mortgage) with VANDERBILT MORTGAGE & FINANCE, INC (LA).
Issue: Trouble during payment process

Complaint: I have a mortgage on property at XXXX XXXX XXXX XXXX, XXXX XXXX, La. since XXXX and the mortgage have been transferred about six times or more. I am now assigned to Vanderbilt Mortgage and Finance Co. also XXXX XXXX it was a 80 to 20 loan. I filed a bankruptcy on XXXX XXXX, XXXX and payments was collected monthly in the bankruptcy payment plan and I paid XXXX each month.I have proof that the payments was paid. My attorney XXXX XXXX advised me to asked Vanderbilt for a modification and I did send the paper work in, I got out of bankruptcy in XXXX XXXX and continued to make my payments even now. I received a card from the Sheriff in my door. I would like to save my home but they told me I would have to pay {$6000.00} to bring my account current. I still pay XXXX XXXX each month. I would like you to investigate the payments I was told that when I got out of bankruptcy the money owed would have to be paid to bring the account up to date. I would like you to investigate .and remove this complaint from the better bureau from my record. My daughter is with me and I have more income to help me pay my morgtage she help with all my bills and that is why I asked for a modification loan and was declined or pay XXXX to catch up.

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 07/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (IL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I signed up for a credit card through Frontier Airlines in XXXX 2017 while on a flight from XXXX XXXX to XXXX. Their stewardesses were promoting 2 free trips anywhere in the US with a single purchase on the card of any dollar amount, or a single international round trip ticket. I made a purchase on the card and received XXXX miles. I am unable to redeem the miles given for the 2 free trips. There are only select cities and dates that apply. The stewardesses outright said there would be no restrictions on the promotion. I was lied to and I would not have signed up for the card if I knew there would be restrictions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Our client was denied for a loan modification in XXXX of this year. They were not offered a short sale option or any other loss mitigation options at this time. This is a direct violation of XXXX, attached, which " requires a mortgagee, trustee, beneficiary, or authorized agent to contact the borrower prior to filing a notice of default to explore options for the borrower to avoid foreclosure ''. 

It is also a violation of the CFPB 's XXXX XXXX XXXX, attached - see highlighted sections of pages XXXX and XXXX. 

Our client has not, at any time, been offered a short sale, or made aware of any other loss mitigation options they may have by Wells Fargo.

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 04-09-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I was at Bank of America branch on XXXX XXXX XXXX in XXXX   Florida. I was trying to find out how long you was going to hold a check from a life insurance policy on my wife dad. I talked to XXXX the bank manager and he took me to a teller who before she even checked or found out if I wanted to deposit the check stamped it right off for deposit only to my account. And then when she checked I could only get {$200.00} right off and the other {$2300.00} would be on hold till Weds. I said that is not acceptable need the money right now. the check was on XXXX XXXX and we called the XXXX XXXX in XXXX  to be told can not cash the check since it was stamped and no check cashing place would either since it was stamped. So I go back to the Bank Of America branch on the same day XX/XX/2018 to be rudely told by XXXX  the bank manger because I was upset as your teller XXXX   me over big time stamping it right off. to be told by XXXX the bank manager when I took my hand and said your teller stamped it without my permission messing me over big time to take my check and leave his bank is this the way customers are supposed to be treated? You have lost a long time customer of your bank due to their unprofessional attitudes toward the customer and this is a customer who is fixing to at any time come into a very large amount of money and as soon as I can get my social security checks and my sons transferred into another bank that I will open up an account with am done as been treated so badly several times by your bank am done as that is no way to treat someone not even wanting to fix their own mess up or help the customer am very upset.

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 12/21/2015 about Money transfers (Domestic (US) money transfer) with BMO HARRIS BANK NATIONAL ASSOCIATION (CT).
Issue: Money was not available when promised

Complaint: Transfer was pending at recipient bank for over 5 days at BMO Harris at XXXX XXXX XXXX in XXXX IL. Branch manager was on vacation and transfer department ignored my ACH deposit for {$30000.00}. This made me scared the transfer was lost, and angry that I was ignored.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My credit report is showing I am in collections both for XXXX XXXX and XXXX to an address in XXXX MA. The problem is I have never been a subscriber to XXXX and I have never lived outside of XXXX, MA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/27/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I rented a car from XXXX XXXX XXXX, returned the car as scheduled only to have the agency charge me for excessive fee, ans still claims that I owe them money

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Suspected Fruad ; unlawful interest & charges

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with Alliance Data Card Services (OK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. Two letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: Vehicle was surrendered XX/XX/XXXX this loan was discharged in chapter XXXX bankruptcy XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Under the Derogatory Account section of my Credit Report appears XXXX ( XXXX ) for {$1300.00}. I have no idea what this is and it has negatively affected my credit score and ability to obtain a car loan. I have only XXXX credit card a Visa.

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 12/22/2015 about Debt collection (Medical) with AMERICAN ADJUSTMENT BUREAU,INC. (CT).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Hello. My name is XXXX XXXX XXXX from CT. I am a XXXX year-old retiree from the XXXX XXXX XXXX XXXX. ). Recently I have incurred several medical bills that I can not keep up with. I have tried to pay my co-pays when I was able, but I am living on a very fixed income ( Social Security and a small pension $ XXXX monthly ). I was receiving daily and Sunday phone calls from this debt collection agency called American Adjustment Bureau. IOn XXXX of the calls I asked them to please stop. They replied " fine ''. The phone calls stopped but today I received a " privacy Assist Statement from my Bank, with a list of XXXX XXXX XXXX XXXX small co-pays that are delinquent. They were, evidently, reported to XXXX. There is no explanation of who they are from and today I have received another XXXX. My lawyer friend advised mje that they are " paying me back for asking them not to call by over-sending reports to the credit-reporting companies to embarrass me and further lower my credit status. Is this legal? Is it harassment. I feel that I am too old to take them on myself and wonder if there is anything else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: I was asked by Coinbase to send a SEPA transfer to their bank in XXXX. I sent XXXX on XXXX/XXXX/XXXX and within a few days I received an automated email saying that they can not accept the money in GBP as it must be in euros. They email then said the money would be returned to my bank within 1-2 business days. It has now been 33 days and Coinbase have only replied once on the XXXX/XXXX/XXXX stating that they were working with a 'specialist on my case '. They say this despite the email specifically saying the money would be returned to my account within 1-2 days and that there were no problems they encountered for them to require a 'specialist '. Upon further research, it seems an absurd amount of similar situations like mine have been raised on online forums with the same generic response of 'we are working with a specialist on your case ' used each time. It seems apparent that this line is used in an attempt to stop the customer from contacting them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Other debt) with AMERICAN HONDA FINANCE CORP (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I voluntarily gave the car back because they said there would be no ending balance because they were going to auction off the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze/unfreeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have received 4 phone calls ( XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, andXX/XX/XXXX at XXXX XXXX ) from XXXX XXXX XXXX. The firs three calls I did not answer and they left 2 voicemails stating who their company name and that they were a debt collector. The same person left the voicemails each time. I answered the call on XX/XX/XXXX. The person asked for me by one of my names, told me he was a debt collector, and said that I owed citibank/mastercard around {$20000.00}. I have no debts with citibank and I 've never had a debt remotely close to that amount in the 10 active years I 've used them for credit. This immediately raised a red flag for me. I informed the person on the call that I did n't have a debt and that I believed they were scamming people and I hung up the phone. I then called citibank to inform them that this company was gathering money fradulently on their behalf. Citibank said they would forward the information to their security department.

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 05/23/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (OH).
Issue: Deposits and withdrawals

Complaint: I tried to deposit XXXX dollars into my ex wives account with her account number handy, and since I was not on a joint account they refused the deposit. 
The teller told me I needed a personal check or a money order. I said by the time XXXX of those are cleared she will get charged overdraft fees .So I had to wait for her to come home from work and deposit it herself. Why anybody banks here is beyond me. XXXX Bank will email you and give you until XXXX that night,, and all you have to do is put the cash in the atm. Chase tellers must have a quota on how many overdraft fees they can aquire, WHAT A JOKE BANK!

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I tried to get my credit report and they did n't allow me to because I guess information was different then mine.

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 09-11-2017 about Debt collection (I do not know) with Clearview Resolution Services (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I received a call from Clearview Resolution Services this morning, phone number XXXX. The call was an automated message stating they were " unable to process [ my ] payment and [ I ] needed to contact them back immediately to resolve this issue. '' Before calling them back, I logged into my bank account and checked all of my payments. All had cleared, nothing was pending. That is when I knew this was a scammer. I decided to call back to see what they said and to get the name of the company, if they stated one. 
When I called the number a man answered " Clearview Resolution Services, can I help you. '' I stated, " I 'm not sure, you called me. '' He ask me to hold. I timed it, I held for approximately three minutes. When he came back on the phone he asked if I was, i.e., XXXX XXXX. I stated, " no. '' He asked again, " You are not XXXX XXXX? '' And I stated again, " No, I am not XXXX XXXX. '' Then he asked, " Do you know XXXX? '' And I stated, " No, I 'm sorry, but I have never heard of her before. '' He proceeded to ask, " How long have you had your current telephone number? '' I advised, " I do not know how that information is relevant to you, but over two years. '' He then stated, okay, we will contact the, i.e., " Hometown, State '' records, for current information on XXXX XXXX. I told him, good-luck and goodbye. 
The name this man originally asked for was close to my maiden name, but not correct. Secondly, I did n't correct him because I did not want to give him " my correct maiden name ''. In addition, I have not used that name in over 25 years. Also, I filed bankruptcy 9 years ago so I know there are no collections or other accounts on my credit besides the new accounts I have built in the last 8 years. And since, I meticulously check my credit scores monthly, I know for certainty that my current accounts are in good standing. 
Lastly, the reason I decided to report this call today and not ignore it is that last week my credit union alerted me that my identity and personal information could have potentially been breached through XXXX. I was sent a link to check my status and to determine if I was eligible for free credit monitoring. It was determined I was eligible for the service and I have signed up even through I already have my own identity theft protection. 
I feel this is the " first breach '' of my identity and personal information because this company was clearly going to try to scam me for a debt that is a counterfeit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I put a credit freeze on my Equifax credit information yesterday as well as the other two bureaus and was charged {$10.00} for both XXXX and XXXX freezes. The Equifax website confirmed that I was impacted by their breach. I should not have to pay for their poor data hygiene. I spent 30 minutes doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2015 about Bank account or service (Other bank product/service) with WESTERN UNION COMPANY, THE (TX).
Issue: Deposits and withdrawals

Complaint: I sent a western union ebill ( WU Pay ) for the amount of {$260.00} to Western Union which was withdrawn from my account on XXXX/XXXX/15. The should have been available in 1- 3 days. After 3 days, I did n't receive a email confirmation of the funds being available in my western union account. I called XXXX XXXX, XXXX XXXX and XXXX XXXX and was told my funds were not available because my bank did not release the funds. Each day I called I was told they were escalating my issue to the WU department and will be notified in 24 hours ( I never was notified ) .On XXXX XXXX, a representative of my credit union on I conference called Western Union. My credit union representative spoke with a Western Union representative and confirmed the funds were released on XXXX/XXXX/15. The Western Union representative stated he will escalate the issue. However, i have not received a refund of my money. I 'm concerned that Western Union is using this " lost funds '' tactic to keep funds that are somehow lost in cyberspace. How many people has this happened to?

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 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: Credit inquiries on your report that you don't recognize

Complaint: I have hard inquires from XXXX and XXXX XXXX from XX/XX/2017. 
I have XXXX XXXX services as my cable company for the past two years. 
Don't understand why these companies would pull my credit without authorization.

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 08-12-2015 about Debt collection (Medical) with GLA Collection Company, Inc. (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have tried talking to them and explaining I Have XXXX and XXXX and I turned in all my cards the day of service. But they will not remove from my credit report and he keeps saying its not his problem and it needs to be paid in full asap. I ask him who the origonal debitor was and he just tells me the one on the credit report. He is not trying to help me in anyway. I tried to explain to him I was told that if I have XXXX and XXXX that he was not aloud to put that on my credit report cause I was never to be charged a bill and he just says well you was told wrong.

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