milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2016 about Debt collection (Credit card) with DISCOVER BANK (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XX/XX/XXXX Received a call at home phone insisting we pay a Discover credit card debt from XX/XX/XXXX for {$4100.00} which he would reduce to {$1700.00} if we paid today. We asked to mail us proof said it would be {$7.00} per page at XXXX pages. He said he did not have to prove we owed the debt, we had to prove we did n't and if we did not pay before today he would have my husband served papers indicating Docket # XXXX. Threatened judgement with a lien against my husband 's XXXX Ford Thunderbird. Represented himself from XXXX XXXX XXXX XXXX Attorney Firm in Florida. His name XXXX XXXX XXXX and XXXX. Called the next day and gave all the same information to my ill sister we just recently moved in with us and a message to give to me saying if I did n't call back today with {$1700.00} it would be too late and legal action would be filed. I went home from work to call him back because I did not want him having my work number or cell number. I asked him to notify us by us mail. He asked for my email, to which I replied US mail only please. He said " so you want to play that game. '' Tried to talk over me and would not have a professional respectful conversation. I asked him to not call my home again. I told him he broke the law by sharing debt collection information with my sister. I told him as a third party collector he could not call my home everyday. He stated he was not a third party collector, he was with an Attorney Firm. He said " You just blew it because your sister was going to pay this for you ; '' He lied. I told him I called the Ohio Attorney General 's office today to file a compliant. He stated the Attorney General could not do anything to him because they do n't know anything about his business and they had no jurisdiction over him. He told me my new husband was going to ruin my credit because in Ohio I was responsible for this debt even though it was before we were married. I told him to never call our home again. He refused to disclose verification of the debt. He made false statements. He threaten legal action. He refused to give me his address for written communication. He clearly made it known he was above the law and no respect or fear of violating it. I am taking this step because I am a reasonably smart business woman and he was able rattle me. He could easily scam or cause a weaker person dangerous physical stress. Here 's the bottom line. We have good credit. The debt is not reported on my husband 's credit bureau. If he owes it we would pay it but we are not going to give a random person any personal information over the phone. Please advise to what steps I can take to stop this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Bank account or service (Savings account) with CITY NATIONAL BANK (CA).
Issue: Deposits and withdrawals

Complaint: My wife and I purchased IRA 's at City National Bank in XXXX XXXX ( actually it was the XXXX XXXX, CA branch ). The IRA Certificate Numbers XXXX and XXXX XXXX. I moved from the XXXX XXXX address in XX/XX/XXXX and gave the address change to the bank. Bank statement received showed that address. The IRA 's were automatic roll overs, so without regard to out further contributions, they should still be there generating money. I wrote to City National ( via fax ) on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with all our info attached. I was promise they would get back. I talked with a XXXX XXXX. They indicated the funds escheated to the State of California. The State of California 's XXXX 's office has no such records as of XX/XX/XXXX under my social security number. My wife ( XXXX XXXX XXXX ) do not recall cashing either out, changing the directives or getting any notices. I will scan and send all my information for your review ( as I previously did City National Bank ). We lost our money. We want it back with the compounded accumulated interest from roll overs and published rates. I understand I will need to submit a separate request for my spouse.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing/Cancelling account

Complaint: I applied for a credit card with Capital One. I was told I needed to submit more information before the account can be opened. I never followed up on this card and decided I did n't want the card. About a year later I get a statement with {$0.00} balance. I was confused because I never followed up with the information they requested on the initial application. I called and requested this account to be closed, I was told they could not close it until I provided the information requested to open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (LA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: XXXX UniversityXXXX XXXXI was a University student that began my education XX/XX/XXXX. After taking a break XX/XX/XXXX because of work, I restarted XX/XX/XXXX and was told I had to get a XXXX loan to get started again. NEVER was I told that I was going to have to make payments while in school. NEVER was I told that the interest rate was going to be 8 %. They say I did n't qualify for funding but yet I did before and I did afterwards so it was very strange to me that I had to get a higher interest rate loan from a 3rd party. XXXX was the only option that was given to me at the time. I have been paying on this loan for 3 years and have missed only XXXX payment which was the XXXX payment because I did n't know that I had to start paying on it while in school. It has been a struggle for me to pay for my federal loans and my private XXXX loan at the same time. My loan was then sold to UAS XX/XX/XXXX this year. I do n't feel the practices that XXXX performed were in my best interest financially but what choice did I have. My loan was for roughly XXXX. This loan was necessary for me to complete the program that I was involved in so doing it was necessary and they knew that. If I did n't take out the loan, than I had school loans for roughly XXXX with nothing to show for it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: OcwenLetterXXXX.pdf

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (FL).
Issue: Struggling to pay mortgage

Complaint: My name is XXXX XXXX, I 'm a resident of XXXX XXXX, XXXX where we were effected by the Hurricane, I called Ditech Financial for a forbearance help which I believe it 's the Law and they refused to help, saying our county was not recognized as federally disaster area, Which is Totally false. Please help me as I am overwhelmed with Repaires and I could really use this forbearance help to catch up. 
You can contact me at XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Consumer Loan (Title loan) with WHEELS FINANCIAL GROUP, LLC. (CA).
Issue: Lender repossessed or sold the vehicle

Complaint: I have a interest rate of 400 % making my debt impossible to pay off and they took my car.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Debt collection (Payday loan) with Midwest Recovery Systems (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Had a collection notice from midwest recovery services appear on my credit report for a payday loan front XXXX for {$770.00}. After checking with them I was told there was a loan deposited into an old bank account in XX/XX/XXXX however I contacted the bank and that account was closed in XX/XX/XXXX and I filed bankruptcy in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Problem with fraud alerts or security freezes

Complaint: TRANSUNION : Attempt to place credit freeze on XXXX. 
. 
Transunion didn't tell me the difference in charges between credit lock ( {$19.00} recurring /month ) and credit freeze ( one time charge of {$5.00} as per Maryland State Law ).

Discovered this through their confirmation email. I then cancelled the service and phoned them. They began processing a fee refund but told me that the refund may not show up in my checking account for up to 30 days depending upon my financial institution. Hence either Transunion or my bank gets the use of my money for up to 30 days without paying me the interest they earn using my money & I don't have the use of my money during this period.

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 03/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed bankruptcy in XX/XX/2014. It was discharged in XX/XX/XXXX of that year. However, the Transunion report is showing XXXX accounts that have not been updated since I filed in XX/XX/2014. Those accounts refuse to update the information on the Transunion report to show that the account was discharged in Bankruptcy. XXXX wrote a response stating they did not have to correct it because their files indicate it is discharged despite the credit report showing otherwise. XXXX has updated all accounts to show they were discharged in bankruptcy. Also, these accounts on Transunion still list the highest balance, which is well above my credit limit, date of last payment, and also list them as derogatory while the other agency has updated correctly. It should be noted I had issues with XXXX updating either credit report. I asked them to do what the law states and they told me they do n't have to because I am not " understanding '' the law correctly. All I want is the information corrected to reflect what is accurate. As stated before, they have not updated since I filed for bankruptcy. 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 01-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX account reporting late on XXXX and XXXX 2015 when account was never past due.

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 11/18/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: In XX/XX/2016, request to convert my CitiGold account to a Basic Banking account. This request was acknowledged by Citi and I maintained the minimum {$1500.00} cash in the account for the XXXX Banking account, instead of the {$50000.00} minimum for the CitiGold account. After looking at my account today, I see that they never converted the account to the XXXX Banking account and I have been charged {$30.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. A total of {$120.00}. They refused to reverse the fees and said that there were disclosures I needed to accept in the bank messaging system that I needed to approve for them to convert my account. However, I was not notified of this and was under the impression that my account had successfully converted. They acknowledged my request but could not show me their email of disclosures and stated that these messages drop off after 90 days. I requested they convert it to the basic banking account today, but I would like for them to refund me the {$120.00} in fees they took. I was not properly notified of the unsuccessful conversion.

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 11-03-2017 about Debt collection (Federal student loan debt) with GREAT LAKES (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have been paying on a student loan from Great Lakes Higher Education for 28 years. I have records of all my payments which totals {$57000.00} The original loan was {$17000.00} on XXXX XXXX 1991. 
They say that I still owe {$38000.00}. 
They are going to take my tax refund and garnish my wages very soon if action is not taken. 
I have repeatedly written letters, applied for XXXX Forgiveness with no results. 
They have turned the loan over to a collection agency ; XXXX XXXX XXXX which I have also written and received the same reply, that I still owe the money in question. 
PLEASE HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am writing to dispute the following information in my file. I recently received a copy of my credit reports. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  C. Employment D. Court Ord er The following credit inquiries are related to none of the aforementioned permissible COMPASS BANK  XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank  COMPASS  BANK  XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank COMPASS BANK  XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In  XX/XX/XXXX   I was in process of planning a relocation from  XXXX ,  XXXX  to  XXXX ,   XXXX   for a new job. At that time my car insurance was with  XXXX   XXXX . I decided after inquiring to cancel  XXXX   XXXX  insurance in   XX/XX/XXXX  d ue to rate increase moving to   XXXX   to go with another insurance company.  XXXX   XXXX  processed a cancellation credit to my account on   XX/XX/XXXX .  The company then sent me a bill for {$170.00} i n  XX/XX/XXXX . I inquired as to what the amount was for and after being explained what this was for I paid the {$170.00} on XX/XX/XXXX .      In   XX/XX/XXXX , I rec eived a collection notice from Credit Collection Services  XXXX   XXXX   XXXX ,  XXXX , MA  XXXX . This notice was to collect a debt for  XXXX   XXXX  Policy number  XXXX . I immediately contact this company and informed them that they were mistaken this mater was paid, and sent them a copy of the bank statement showing the payment taken out of my account on     XX/XX/XXXX . They informed me that they would investigate and get back too me. I had not heard anything else from them so I assumed the matter was closed, until I received another notice on  XX/XX/XXXX   stating the same thing.     I contact   XXXX   XXXX   who informed me that they do not know how this was turned over and the sent me a statement showing the same policy number  XXXX  showing the amount paid on the date I showed this collection company. I faxed all this information to Credit Collection Services on   XX/XX/XXXX . On  XX/XX/XXXX , this company sent me notice that my documentation was not sufficient o r applicable to adjust my account with them. They are still trying to collect on a debt that is not owed. They are continuing to harass me and damage m y credit score a nd I do not think this is right, when I have and do pay my bills on time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Consumer Loan (Vehicle loan) with FC HoldCo LLC (KS).
Issue: Problems when you are unable to pay

Complaint: I have a car loan through XXXX, which I believe was bought out by FlagShip Credit, but have never been told this by the company. I realize that I am behind on my loan but they have now reached out to an ex-boyfriend of mine 3 times now, once in XXXX ( followed all rules and regulations ), again on XXXX at XXXX in the morning and proceeded to tell him that I was 3 months behind on the car and that they would come repo it is he did n't have me pay it, and then again on XXXX - XXXX - called him again and said the same thing. I am the only one that is on my car loan. They have now given out personal information about my loan to someone who is n't on the loan and they continue to reach out to him. This is illegal and unethical practice. Again I know that my car is behind but they need to reach out to me not him and I do plan to move forward with holding them accountable for their actions and protecting myself.

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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Amount due XXXX, credit limit XXXX I was reported two payments late on a credit card, XXXX XXXX credit card. I do not dispute the debt or the amount due. 

The company changed the system in which I receive my monthly bill, I was unaware of the change. I like and have always received a paper statement from the company. I have been a customer since 2006. I think it has been longer but I have no proof of that statement The two late payments showed up on my credit report via " XXXX XXXX ", I paid the amount due and discussed with employee XXXX # XXXX, who will make sure I recieve a paper statement he also waived one late fee. He was very helpful and a pleasure to deal with this afternoon. He could not help in reversing the late payments on my credit report, he gave me an address of XXXX XXXX, XXXX, Kentucky XXXX to write a letter to see if the company will resolve the issue I contend that I do not look at email from XXXX, I delete it without looking at its contence. I did not recieve a paper statement that I have always paid in the past on time. I DID NOT request an e bill or to a paperless system at all. Because the company has a credit history with me and knows I pay on time I want the late payments removed from all credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have already addressed and no changes. This will now be the third time and I need some help. TransUnion has inaccurate data listed on my credit file. They have two names that do not belong to me which are XXXX XXXX XXXX XXXX XXXX XXXX There are also several inaccurate accounts listed. I want this addressed, and the inaccurate data removed. ALL of it

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 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XX/XX/XXXX I submitted a complaint with this company due to previous disputes about a inaccurate dismissed bankruptcy reported on my credit report with Transunion, XXXX and XXXX in the amount of {$0.00}, which dates disputed with Transunion were XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and XXXX were XX/XX/XXXX and XXXX. As of XX/XX/XXXX the new law stated that all new judgements and liens will not go on credit reports unless they have identifiable information. Credit bureaus should begin to remove previous judgements and etc. that do not meet the new standards. Transunion, XXXX and XXXX failed to remove the bankruptcy off of my credit report in a timely manner. Transunion advised that it were investigated and came back that the Arkansas bankruptcy court verified the information which is a violation of the fair credit reporting act. I never heard a response back from XXXX and XXXX never replied with their dispute. I have listed documentation from the US Bankruptcy court that they do not report information to credit bureaus. XXXX followed the new law and removed such items from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with The Best Credit Group (LA).
Issue: Fraud or scam

Complaint: I paid XXXX XXXX $ XXXXat The Best Credit Group in XXXX of 2016 for credit repair services. He did nothing but sent me 1 credit report and I paid him {$200.00} for my husband and recommended friends to him. He took my money and just emails me and refuses to refund my money. I asked him several times what steps have you taken. NO RESPONSE. HE IS FRAUD!!!!!!!!!!!

Company response to consumer: Untimely response