milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My purse was stolen several years ago and I was also a member of the XXXX who 's private information was stolen. I have repeatedly sent the police report showing my social security card, ID, and birth certificate card was stolen to TransUnion over the past few years. They refuse to remove inaccurate data from my credit report and continue to ruin my life. 
I have contacted the creditors they are reporting a debt from and the creditors refuse to supply me with any debt validation or paperwork at all so I can defend myself. It 's illegal for Transunion to continue reporting this false data, just because someone knows my social security number. They MUST be removed, by law. The data that must be removed is as follows. XXXX # XXXX {$160.00}, XXXX XXXX XXXX XXXX XXXX {$380.00}, XXXX XXXX # XXXX {$3600.00}. 
Please be advised these are NOT my accounts and if they are not removed as a result of this final complaint, I will have XXXX XXXX file a lawsuit against you, Transunion, for violations of the FCRA and Florida Consumer Protection Act. I am done being a victim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/15/2017 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (CA).
Issue: Managing the loan or lease

Complaint: I made the mistake of taking out a {$1000.00} loan with this company under the impression that I would only incur {$350.00} in finance charges. That my first payment would essentially be my finance charge and that all subsequent payments following would be towards the principle. I thought the government regulated the limits a company can impose finance charges to protect U.S. citizen consumers from foreign financial scams. After my most recent payment is when I was alerted to this. I have made payments totaling {$1400.00} already and have n't even touched the principle according to there information. This is unlawful and illegal for this company while on U.S. soil to operate and defraud U.S. citizens out of money. I will continue to pursue making this practice illegal by contacting my districts congressional office and senate until this matter is resolved. Its unfair that BigPictureLoans is allowed to word and market there product in a way that preys on people desperate for a quick loan. As the great grandson of a XXXX XXXX member, I am more than sympathetic regarding the mistreatment and unethical treatment of our XXXX through the history of the United States and I stood in spirit along with those at 'XXXX '. However, this is where I draw the line on the legal things XXXX can do via XXXX that cant be done elsewhere in the continental United States. If its illegal for foreign countries to prey on our consumers financially, then that should stretch domestically.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (TX).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Wells Fargo is now handling my retirement account ; however, when I tried to access the account online it stated that they were unable to process my request online and to call XXXX XXXX. I called that number and was told because I had more than one profiles that I had to go into a local branch. I went into the branch XXXX/XXXX/17 located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX. Spoke with an associate that initially said that she could help. She asked for 2 forms of ID and I provided my driver 's license and my work badge. She had me verify my maiden name " XXXX '' and a previous address. Then she called someone. During her conversation she informed me that I will not have online access to my account and proceeded to say that if I had an active account that I would be able to access my account online. She gave me an XXXX number to obtain over the phone info about my account. I was upset and left. I told her that I would file a complaint. On my way home I called the number she 'd given XXXX XXXX, their Retirement Service Center. Spoke with an individual over phone she asked me personal questions, which I verified and afterwards was told that she needed to transfer me to someone else. I was transferred to a gentleman and I verified my information yet again. He initially said that he could help and then it changed. I recommended that he call the branch and gave him the name to the associate that I 'd spoken to. He said that he would, then he came back after a few minutes and said that he would have to fill out a form to escalate. This is not right!!!! Wells Fargo obtained my information through my employer, which is the same employer that I had when I opened a previous account with them. I work directly across the street from the branch. Since the transfer Wells Fargo, they have yet to reach out to me via mail, email or phone to verify my account information. How will they report this info for tax purposes? I 'm lost for words. Is this how financial institutions now handle accounts when there are multiple profiles? I 've moved and married since my first account with them but my race, sex and social have remained the same. I 've had retirement accounts with XXXX, XXXX and XXXX but never a financial institution unwilling to provide me with my account information. I feel their practices are deceptive and in violation with current banking laws and requirements. With all the media attention that Wells Fargo has gotten I 'm extremely concerned that they 're allowed to do this.

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 02/13/2018 about Debt collection (Other debt) with Miller, Stark, Klein and Associates (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Submitting a complaint against Miller Stark and Klein associates, because I think they are a scam. Out of the blue, within the last couple of months, this company started calling me almost on a daily basis. When I answered the call the first time they said that I had banked with XXXX XXXX about 7 years ago ( which is true ) but that I supposedly owed them over {$500.00} in overdraft fees on an old bank card, not even a credit card. They said that if I didnt pay that they would sue me and garnish my wages. I called XXXX XXXX and they said that I owed them no money. Miller guys called me again and so I asked them, who did XXXX XXXX sell this supposed debt to then? ( because I had no recollection of it at all ) They said they couldnt give me that information. This supposed debt has also never shown up anywhere on my credit report. Is this is a scam? Someone should really nail these guys. Im absolutely not paying this.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Consumer Loan (Vehicle loan) with Reliant Financial Corporation (AZ).
Issue: Problems when you are unable to pay

Complaint: I purchased a car that had a bad engine in XXXX 2011 from union XXXX in XXXX XXXX CA. I took the car in multiple times to have it fixed but the car company refused to fix it and basically said I was stuck with a car with a bad engine and I still was required to make payments. I was unable to afford to fix the car so I called the company and had them come pick it up. Shortly after they started contacting me to pay the amount owed but without a job or income, I could n't pay. Recently I have tried getting information as to how much is owed on the car once they sold it to no avail. The company will not cooperate and when I look on my credit report they are reporting the delinquent account twice and with XXXX separate account numbers and identifying information which is dramatically affecting my credit score and my everyday life. I did not have XXXX accounts with them so they should not be reporting this way. I have contacted the credit bureau to have the information corrected and have been doing so for years to no avail. Every time the company updates the information they update the name of the company or something else but they will not remove the duplicate listing. I have attached a copy of my credit report as of today and a copy of one from 3 years ago showing the difference in information being reported. I feel that this is fraud and the company needs to be held responsible. I am trying to rebuild my life after being a victim of the economic downturn and I find it hard to do so due to the fact that this company is blatantly violating the law by reporting this information inaccurately and refusing to remove it. I think you should investigate them and ensure that this behavior does not continue because damaging someones credit like this is not only unscrupulous but illegal according to the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2017 about Credit card () with CITIBANK, N.A. (VA).
Issue: Billing disputes

Complaint: In XXXX I purchased an item online using my Citibank Mastercard. The seller did not have the item in inventory at the time of purchase but told me they would within a month. Two months later I still did not have the item and so filed a dispute on the charge with Citibank and they provided me with a conditional credit. The item then arrived a week later. When I authroized Citibank to reinstate the charge they charged me twice for the item. In several email and telephone contacts with them I was repeatedly assured the duplicate charge would be reversed yet they have not done so and I feel I have nowhere else to turn.

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 01/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied International Credit Corp., (US) (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection letter sent to former address. XXXX is not owed money on my account. XXXX was contacted, requested letter sent to their fraud/legal dept. I 've faxed AIC to contest debt and request all information via fax and not mailed ( all copies attached ). One of AIC 's search results netted a long list of complaints by consumers receiving similar letters and or calls. This is a fraudulent scheme on behalf of AIC to collect money on debts not owed ( certainly not in my case )

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Debt collection (Payday loan) with EZCORP, INC. (CO).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I was contacted by a company XXXX XXXX XXXX on a payday loan. They said I had committed a crime and would be put in jail if I did n't immediately provide them with money. They said it was a misdemeanor offense and that I would be put in jail if I did n't pay. I had my attorney contact them and they refused to provide any contact info to him. They also call my father and my work and said I owed a debt. The called repeatedly, and when I said I would set up a payment plan they said I was going to jail unless I paid today. 

The only info I have on this company is they call themselves XXXX XXXX and their phone number is XXXX XXXX XXXX they gave me a case number of co XXXX and I was to contact XXXX XXXX at ext. XXXX

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 10/23/2015 about Mortgage (Conventional fixed mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to obtain a loan modification for nearly a year and a half. I was repeatedly stonewalled with false investor guidelines that did not exist. Once I was able to prove that the supposed guidelines of MHP did not exist. I was offered a loan modification on both of my loans. I signed the loan modification agreements as instructed and sent them to Santander. Shortly after I received word from Santander that they would not honor the loan modification that they had arranged. Instead they wish to raise the payments on my second mortgage from the XXXX to XXXX On my limited fixed income this now becomes unsustainable. Throughout this process I have been stonewalled, been given false reasons for my denials, been spoken down to by the servicer, and been given incorrect information. I was only able to receive the loan modification offers through the help of multiple elected officials and the Massachusetts Attorney Generals Office. Now Santander gets me to sign one set of documents, and then throws me yet another curveball. I need assistance with this. I could not get away with changing prices after someone had signed a contract with me. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I applied for a credit report from TransUnion. I did not get the report because my " online authentication failed. '' Then, I saw that they had charged me, without ever mentioning in the application that there was a fee!

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 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/2015 I voluntarily surrendered my vehicle in question to XXXX XXXX, this is the first thing they are showing incorrectly. Second I was never late on a payment. Third they have sold this account to a collection agency XXXX XXXX XXXX so now XXXX XXXX and XXXX XXXX XXXX are showing on my credit reports. I have disputed this several times through the credit bureau 's and called XXXX XXXX on many occasions to no avail. I 'm not saying its not my account, just one needs to be removed or the other reporting correctly.

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 06/22/2016 about Money transfers (Domestic (US) money transfer) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Other transaction issues

Complaint: I enrolled in a high deductible Health Insurance plan through my employer effective XX/XX/2016. I opened an HSA with XXXX XXXX around on XXXX XXXX, 2016. I decided to fund my HSA by completing a one time partial rollover of cash from my traditional IRA at Capital One Investing. I submitted a Transfer form which I received from XXXX XXXX and had my signature notarized by a notary at a XXXX office since I 'm a member. 
Capital One received the form and refused to process because the form did not include a Medallion Signature Stamp. I tried to submit the from a second time and took the form to my personal bank, XXXX XXXX. XXXX XXXX representative told me the Transfer form does not require a Medallion Signature Stamp because the funds being transferred were not securities but FIDC insured cash. XXXX XXXX agreed to guarantee my signature and stamp the form which they explained is similar to a Medallion Guarantee Stamp. 
Captial One refused to process the second request to reansfer funds to my HSA because they said the form lacked the Medallion Guarantee Stamp. 
As a final resort I had the funds distributed to my personal checking account and then transferred the funds to my HSA. The problem is this transaction will now appear to be taxable. I feel Capital Ones requirement of the Medallion Signature stamp impeded me from completing the rollover transaction as provided by IRS regulations. 
Medallion Signature Stamps are difficult to obtain. Few institutions offer them and I would have had to open an account that I did not want or need.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Bank account or service ((CD) Certificate of deposit) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (VA).
Issue: Account opening, closing, or management

Complaint: I 've made multiple attempts to contact First Merit Bank to close out two CD 's that were opened by my late mother on which I 'm the named beneficiary. I 've spoken to XXXX and XXXX who have both asked for various identifying information and have made assurances that the CDs will be closed and a cashiers check will be forwarded to me. Yet every time I call to follow up with them concerning when I can expect the check to be sent they have an excuse about something they need before they can proceed. It 's been over a month since I initially contacted them and now they are informing me that they ca n't close out the accounts until the they have " court documents. '' Unfortunately they ca n't tell me what they actually need besides " court documents '' which is not helpful. I 've closed out similar accounts with other banks in the area without any issue and it 's unclear why First Merit it 's having issues. My biggest complaint is that XXXX has n't made a single attempt to contact me to resolve the issue and is typically " out to lunch '' whenever I call regardless of the time of day I call.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Closing/Cancelling account

Complaint: Chase Bank USA is reporting an incorrect balance on my credit reports. Chase sold the account and the account was paid as agreed and should currently reflect a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This loan was never verified and is a result of someone using my information. Company refuses to supply me with information to further correct the issue and the account is now reporting negatively on my credit report.

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 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had unauthorized pulling of my credit report at several car dealerships and a credit union. This caused my credit rating ( scores ) to all three credit bureaus to take a hard hit with all the hard injuiries listed without my permission.

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 04/21/2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: Chase Bank accepted a {$3500.00} check for deposit which was made payable jointly to myself, my wife, and  XXXX   XXXX   XXXX   ,   XXXX  ( "  XXXX  '' ) as non-alternative payees, with an unambiguous " & '' symbol on the payee line.  XXXX  forged endorsements for myself and my wife and deposited the check without authorization from myself or my wife, in violation of California law including Californ ia Commercial Code Section 3110 ( d ).  Our insurance company wrote a letter to  XXXX   XXXX   XXXX   ( t he payor bank ) stating that I was entitled to {$1400.00} of the check amount.  XXXX   XXXX   XXXX  made a claim with Chase Ban k ( th e deposit bank ). On  XXXX   XXXX ,   XXXX  , Chase Bank improperly denied the claim on the basis of a purported and unlawful power of attorney. Chase Bank 's denial of the claim was an unlawful, unfair, or fraudulent business practice within the meaning of California Business & Professions Code Section  17200,  because in so doing, Chase Bank assisted  XXXX  in stealing my {$1400.00}. Under Californi a Probate Code   Section 4121, a p ower of attorney is legally sufficient only if it is acknowledged before a notary public or signed by at lea st 2 witne sses. The purported power of attorney which Chase Bank honored was not so notarized or witnessed. As such, under Califo rnia Commercial Code Section 3403, the  endorsements were ineffective. Chase Bank violated Califor nia Commercial Code Section 3404 ( d  ) by failing to exercise ordinary care in paying or taking the check with the forged endorsements and refusing to honor the claim. We have been trying to persuade  XXXX  to return the money for years, but  XXXX  refuses.  XXXX  has admitted that it signed our names despite promising to hold the check while we were resolving billing issues with  XXXX . There is no dispute of fact that  XXXX  signed our names.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Debt collection (I do not know) with Universal Credit Services, Inc (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Person calls my cell phone number and asks for my wife. I ask who it is, they give a first name and start asking for personal info before they can proceed. I ask what the call is about, what their company does, and they state for privacy concerns they can not disclose any information. I ask if they are attempting to collect a debt and again they state they can not disclose any information until we verify who we are. This has happened for months with the same result. Today I insisted they tell me what the call is about or what their company does and they hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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: As an identity theft victim, I followed all of the necessary steps according to the FTC as well as all three agencies, Equifax, XXXX and XXXX and to date, I have yet to have a positive resolution to my concerns. The specific concern is that I have submitted all of the documentation and they have yet to remove the several items ( including fraudulent accounts with XXXX XXXX Credit Card, XXXX XXXXXXXX XXXX Credit Card, XXXX XXXX Credit Card and multiple inquiries. Further, the amounts of two car loans are incorrect and they need to be updated to the proper amounts.

Company response to consumer: Closed with explanation