milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/24/2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Back in  XXXX   XXXX , I asked Bank of America to close  XXXX  of my Traditional IRA CDs & reinvest them to a Traditional IRA Money Market accounts. I have never taken the money out of the bank. So these are not rollover transactions.     But the Bank of America agent wrongly reported the transactions as premature early distribution under  XXXX  and also as rollovers. As a result,  BOA report ed these transactions to IRS as  XXXX  Rollovers & sent me  XXXX  (  XXXX  )  XXXX  which would have gotten me penalized by IRS for having  XXXX  Rollovers in a year. Which in fact, there was no Rollover transaction at all.     On  XXXX   XXXX ,  XXXX  My wife & I went to the Bank of America branch on  XXXX   XXXX ,  XXXX  to file a complaint, but instead of correcting their mistake, they insisted that they did nothing wrong. Even the bank  manager  thought so. We spent hours at that branch arguing back & forth to no avail. We were very exhausted, wasting our time & energy trying to tell them what they did wrong. They blamed us for signing the paperwork, that meant we 've agreed on the way they did the transactions. But we are customers who got no training on how to do the banking transactions. These bank employees were supposed to know how to do their business. It 's their job! But what happened shows th at BOA did not train their  employees properly, make them incompetent to do the regular banking business transactions.     We were devastated & did n't know what to do. We were so scared to file the   XXXX   taxes because we know if we filed, IRS would audit our tax return. Up to today, we have n't filed our   XXXX   taxes, both the  Federal & CA. T his has caused us a lot of stress, we were never late to file our taxes before this incident. To make the matter worse, CA  XXXX  recently sent a letter that we have to file   XXXX   tax return by  XXXX   XXXX ,  XXXX , or they will take a legal action.

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 04/29/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Using a debit or ATM card

Complaint: XXXX/XXXX/XXXX I purchased XXXX XXXX " XXXX '' concert tickets. Concert intended date was XXXX/XXXX/XXXX. Postponed to XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX XXXX announced on social media all dates were postponed and later all " point of purchase '' sales would be honored. My tickets were purchased from XXXX. My receipt reflects this and sale by XXXX. Neither wants to offer a refund. I opened cases with XXXX. XXXX case was closed due to XXXX filing grievance against XXXX XXXX, not XXXX. XXXX XXXX responded " We have no record of a charge or tickets sent out to XXXX XXXX for the event. He must have placed his order through a different seller. '' ( complaint XXXX ). Yet, when I called XXXX, who I never had spoken to before, I gave them my invoice number and they pulled up all of my ticket information. Come to discover, XXXX and XXXX share the exact same address, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) is listed as my biller and on the receipt the language says " ALL SALES FINAL. REFUNDS WILL ONLY BE ISSUED IF THERE IS A CANCELLATION OF THE EVENT. '' Well, the original date WAS canceled and moved to another date ( postponed ) and now postponed again - with no mention of time, date, venue. I am charged a {$130.00} service charge. As a customer, a service charge should be indicative of services being provided to the customer. No services are being provided. My bank, TD BANK, has a policy of only refunding money and doing investigations on inquires 60 days from purchase date ( I was told via rep ). There must be legal language somewhere when a customer makes a purchase with the expectation of receiving services and product in a timely manner. I have been told by both XXXX XXXX XXXX that XXXX XXXX can postpone until she is XXXX and legally not have to issue a refund. VERBATIM. This is outrageous. No person who buys a concert ticket, especially ones over {$100.00}, expects that they wo n't be receiving their product or services in future years from the intended original date when the product is suppose to be delivered. What is also outrageous is many ticket companies are honoring refunds while the company 's I 'm dealing with are n't.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a reverse mortgage with Champion Mortgage. I started the reverse mortgage with XXXX XXXX and was very up front with them about me NOT living in the home, but DO live across the street. I was told 'we'llcross that bridge when we come to it. ' We NEVER came to it. NowChampion wants to foreclose due to me not living in the house. I have been talking to Champion since XX/XX/XXXX to attempt to get this corrected, and everytime I call I get some XXXX new and have to start at square XXXX. Attachedplease find a time line of my contacts the Champion. I do have a cashcontract by way of my broker for {$150000.00}, in Champion 's possessionsince XX/XX/XXXX. Today XX/XX/XXXX I called their 'short sale specialist'XXXX for the second time in XXXX days getting her voice mail asking for areturn call, but that has not happened as yet. I called XXXX XXXX of Virginia and his office contacted HUD and FTC on my behalf. 
I was granted a thirty day postponement on the foreclosure set for XX/XX/XXXX. I have, in my possession as does XXXX XXXX, XXXX appraisals, XXXX from XX/XX/XXXX for {$140000.00} and a second from XXXX for {$170000.00}. Surprisingly the house grew by XXXX square foot in the time between appraisals, without a building permit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: On Friday, XX/XX/XXXX during a family vacation I attempted to use my XXXX XXXX card and found out it was declined. This card was both my primary business and personal credit card with multiple recurring charges connected with the daily operations of my business. 

On Saturday, XX/XX/XXXX I contacted XXXX XXXX and after several hours of holds and transfers discovered my credit card account was closed due to a notice from TransUnion. Because of the XXXX holiday, I had to wait until XX/XX/XXXX to contact both TransUnion and XXXX XXXX regarding this matter. 

On Tuesday, XX/XX/XXXX I again contacted XXXX XXXX and after another hour of holds and transfers spoke to a Fraud Department Supervisor regarding the matter and learned that TransUnion had unilaterally contacted them and closed the account claiming it was opened fraudulently. XXXX XXXX then sent me an affidavit to sign and have notarized proving that I did open the account and it was n't opened by another individual. 

On this same day I contacted TransUnion and after another hour of transfers and holds I was told by a supervisor that based on a fraud alert I submitted to them, they did in fact close my XXXX XXXX account. They closed this account without notifying me even though they have my contact number and email on account ( also listed on the report I submitted ). The supervisor offered no apology for their error and actually tried to claim I stated the account was opened fraudulently in my report. I am attaching the report to this claim and it clearly states that someone attempted to access and change my account profile, not that the account was opened fraudulently in my name. A simple review of my card 's history would show it was in good standing and paid in full each month. 

I originally submitted the fraud alter as the attempt to access my account profile was the unfortunate way I learned my information was compromised due to the XXXX data breach. 

Due to the actions of XXXX I lost about one full day of my vacation dealing with phone calls, finding a notary and remitting all my information to prove the account was in good standing. Additionally, my business suffered harm as vendors went unpaid and services were terminated costing hundreds of dollars. 

To date, my card account is still closed and I am still suffering damages and spending time trying to mitigate future damages. I am still waiting to see how this affects my credit score which was in the XXXX 's. Additionally, TransUnion has still not contacted me nor sent any correspondence.

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 07/25/2015 about Debt collection (Non-federal student loan) with Northstar Location Services, LLC (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This is my XXXX complaint against this company in the past 2 weeks. After I made contact with them on Thursday XXXX XXXX and verified my contact information information, they still proceeded to contact my cousins today ( whom I have n't talked to in years ) looking for me and even left XXXX of them a message stating that she is from Northstar and trying to collect a debt. Is n't this ALL illegal? This company is relentlessly breaking the law!

Company response to consumer: Closed
Consumer complaint received 11/16/2015 about Debt collection (I do not know) with Allied Collection Services, Inc. (Nevada) (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I filed a complaint on XXXX/XXXX/15 with the CFPB on Allied Collections in regards to them not honoring a cease and desist to stop calling. The continue to call me, EVEN after I submitted a complaint. They called again today XXXX/XXXX/15 at XXXX. They do not care that they are breaking the law and in violation of the TCPA. I have attached proof that they called me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom Mortgage purchased my loan from XXXX XXXX in XXXX 2015. I made the first payment to Freedom on XXXX XXXX, 2015. Freedom is now saying I did not make the payment but I have a receipt indicating they cashed the check and have the money. I have talked with them every month since and they tell me they will research the issue and call me back - they never do but have sent collection notices, foreclosure paperwork, and have tried to assess late fees. It is now up to me to produce a copy of the deposited check for them to review. They have been anything but helpful unless it involves them sending me late notices and collection notices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (I do not know) with Capital Management Services, LP (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from Capital Management Services , LP regarding a debt that I do not owe. I sent the following letter to Capital Management Services , LP : This letter is sent in response to Capital Management Services , LP attempt to collect a debt. Correspondence from Capital Management Services , LP was received via USPS on XX/XX/XXXX with a letter dated XX/XX/XXXX.  Consumer rights under the Fair Debt Collection Practices Act, Section 803 requires a response to the information received from Capital Management Services , LP within 30 days. Capital Management Services , LP should be aware of their obligations under FDCPA Section 809. 

Let Capital Management Services, LPs records show that I dispute having any obligation for this debt. Further, Capital Management Services, LPs statement that, This company has been engaged by XXXX XXXX  to resolve your delinquent debt of {$17000.00} is false. XXXX XXXX  records show that XXXX XXXX  has NOT engaged with Capital Management Services , LP to collect the referenced debt. ( XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX,  XXXX XXXX  MST ) Should Capital Management Services , LP choose to report this debt to a consumer credit bureau, it is important to recognize reporting information that Capital Management Services , LP knows to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. 

Should Capital Management Services , LP pursue a judgment, the judge will be informed of the dispute, erroneous debt collection activities and credit reporting, and a request will be made to dismiss the case based on Capital Management Services, LPs failure to comply with the FDCPA. 

Also, be advised that I am keeping very accurate records of all correspondence with Capital Management Services , LP, written or otherwise. Given the number of consumer complaints filed against Capital Management Services , LP with the Federal Trade Commission, the State of New York Attorney General, and the Better Business Bureau, I too will not hesitate to file complaints with the Colorado State Attorney General ( violation of CFDCPA Section 5-16-107. False or misleading representations ) and the FTC regarding Capital Management Services , LP continued collection attempts. 



I have once again been contacted by Capital Management Services , LP regarding this erroneous debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt from I.Q. DATA INTERNATIONAL, INC, was added to my credit report. The amount is XXXX which I do not owe from an apartment complex, XXXX XXXX. First off the apartment complex was aware we were moving. We had no central air during the summer, we were given the wrong apartment and various other issues they were in breach of the lease agreement. Management was aware and notice was given then they turned around and posted an eviction letter, they kept our deposit, and we moved.No one ever contacted me on any bill. The date is wrong wrong on this we lived there in XXXX this was reported in XXXX. Furthermore this apartment was rented out the next month. We are not liable for this debt and certainly not that amount. Interest is also collected this is a non interest collection. Who ever heard of collecting interest on a collection debt. This company was involved in a class action lawsuit for exactly what is going on here. I want this off of my credit report. Nothing has even been sent to me substantiating this debt. I have disputed this multiple times. with no results. This is my last resort before legal action.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX is in a financial Hardship. She applied for a short sale which Nationstar was aware of and they went as far as to approve her. 
Then the short sale was declined due to the sale date being " too close. '' The short sale was in ESCROW. 
Nationstar removed the file and now the homeowner 's sale date is on XXXX with no options but to be foreclosed on. 
Although there are numerous reasons why Nationstar 's behavior is unacceptable, the issues that XXXX XXXX would like to bring to your attention are the following : While we understand a short sale takes time, it is inexcusable that Nationstar deny the shortsale ; will not let it be completed. It appears that Nationstar has committed negligence, if not reckless disregards for her short sale request. 
Nationstar approved a short sale, only to the homeowner that she was denied. This should not be tolerated. Nationstar denied her short sale based on inaccurate information and refused to take remedial steps to provide a qualified homeowner with a solution. 

By refusing to disclose details about the process, Naionstar is able to deny request at will without any accountability. The events described above are just a sample of the practices that are taking place at Nationstar. Nationstar appears to be more interested in foreclosing on home and fire selling them at auction to make a profit. It appears that Nationstar 's lack of participation in a meaningful review of Homeowner 's file indicates a preference to profit directly from Homeowner 's hardships. 

XXXX XXXX fully believes that she has been discriminated against based on her age, race, ethnicity, sex, marital status, and national origin. At this time, we are demanding that the sale date set for XXXX be postponed or she will assert her legal right naming Nationstar as a defendant in district court.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Please help my family stay in our home. I have tried to work out a modification agreement with Hudson City Savings Bank. The loan servicing department does not have any interest in being reasonable. Clearly now that they have been given approval for their merger they no longer care about the homeowners that they are servicing mortgages for. I am sure a bank like XXXX XXXX XXXX does not condone this type of behavior. I have proven without a shadow of doubt that I am back on my feet and able to make a mortgage payment. All I ask is that I be afforded a modification to get out from under the arrearages I have accumulated. I am not trying to run away and I know it is late but it is only now that I can afford this. We paid for on this loan for years, this is not a case of a XXXX payment default or early payment default. I am even suggesting that a mod be put in place that is completely beneficial to the bank. I am asking that you extend this term which will bring you more in interest income. I am sure once your stockholders read this they will be confused as to why you would not want to create income for the bank. We had problems, like many others, in our lives. I have shown my income versus the monthly debt obligations and I am well below the needed DTI or XXXX requirements that Hudson City has in place. Please help me do something here, I can afford the original mortgage payment again but I can not bring all the back due amount to the table right now. I am asking that you place the arrearage on the end as a balloon or even as an extended term. My family lives in this house and I have a sheriff 's sale in a few weeks. I do not have the ability to move everyone somewhere else. How can Hudson City, in good conscience put me and my family out on the street knowing that I can now afford the monthly payment. They intend to make us homeless in time for the holidays. What can we do? Please, we ask that anyone that can, help us!! 

Regards,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was hospitalized after a XXXX accident. I had {$35000.00} worth of bills. At the time I had medicaid share of cost of {$300.00}. Being that my bills were way over {$300.00} my share of cost turned into full coverage. the hospital billed and got paid for all my bills but for whatever reason the hospital left out XXXX bill of {$1700.00}. I called the hospital many times and they said they would bill my insurance however they did not. It was than sent to central financial control a collection agency. I told the reps many time to please bill my insurance and each time they tell me they see the info in my notes but dont know why it was never billed. Months later I find out that they put the bills on all my XXXX credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Credit card debt) with Stellar Recovery, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I was a victim of fraud and because I was I did all I could to request discovery. My requests were intentionally disregarded and now I have seveal collections on my account without sending me validity of debt or discovery Ic system account ( XXXX XXXX ) debt amount N/a XXXX ( XXXX XXXX ) owing {$720.00} XXXX ( XXXX ) owing {$1000.00} XXXX ( XXXX ) owing {$330.00} Stellar Rec ( XXXX ) owing {$1200.00} XXXX XXXX ) owing N/a

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I contacted XXXX XXXX XXXX for reporting late payments for an account during a period which they were not the loan servicer and for reporting late payments on discharged debt. XXXX issued a letter dated XXXX XXXX, XXXX which stated they have deleted all information regarding the loan. 

On XXXX XXXX, XXXX I obtained information from Experian, XXXX and XXXX that states my FICO score is negatively impacted by " your mortgage or non-mortgage installment loans ''. My wife, XXXX XXXX XXXX, and I have no installment debt and any mortgage debt was discharged. 

Additionally, Experian says my revolving debt has " heavy use ''. I have a {$3500.00} credit card that is paid to XXXX or low balance every month as I use it for business and am reimbursed by my employer every month. 

This type of information is negatively impacting XXXX XXXX score and my wife 's. The fact is I have a zero balance on on credit card and the other card ( XXXX ) is paid off monthly. The lower FICO score is impacting the mortgage loan quotes we are receiving for the purchase of a residence. 

XXXX states it has removed the XXXX information yet the attached was obtained on XXXX XXXX, XXXX from my XXXX account. 

My wife and I have nominal consumer credit ; our bank savings and checking balances are over XXXX our outstanding balances and we have a combined household income of over {$170000.00}. We had a Chapter XXXX - discharged in XXXX - and have paid all accounts as agreed. There is no reason our credit scores should be below XXXX by any credit reporting agency. The fact is the incorrect reporting by XXXX regarding mortgage payments remains a significant negative influence on our credit scores.

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