milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/13/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Account opening, closing, or management

Complaint: Our company had a business acct with suntrust bank. We were not supplied with any " rules and regulations '' documents only " Deposit Account Resoulution and Authorization for Business Entities ''. We made XXXX deposits totaling {$7600.00} and were told the money would be available the next day. They would not allow us to verify funds at the branch and we were told they do n't do that anymore. The next day my partner made a withdrawl of {$7400.00} to purchase equipment from the funds we recieved from the church. This was Grant Money. The next day I found out the bank had called the police for fraudulant activity on our account and the church account. According the the last paragraph in item ll on the first page of our account agreement they violated their own deposit agreement. All accounts were locked and the church and grant people tried to work with the bank to resolve the first XXXX checks. In the mean time my partner made another deposite of {$7500.00} from the church to cover the first checks and the bank promptly placed a hold on the check. I recieved notice that they were returning the check, then I got a notice that it had been paid. Then I got mail the next day that had the check copy with the notation " Account closed ''. The whole time the bank was told the funds were good and the grant people had no problem with paying these checks. Sun Trust took it upon themselves to close our accounts without even speaking with us or working with us and are calling this fraud which amounts to character assasination and defamation when we had no opportunity to get this worked out. There was no intent to defaud anyone and now we ca n't open accounts anywhere else and are being denied the opportunity to continue our business as banks look at our record and turn us away. I have sent letters saying account closed with no way to make a deposit if I wanted to to clear this up because we are " closed '' Where do we send the money for correct accounting. Our name has be defamed and they are charging fees for a problem they created from the start and now threaten legal action. The bank has taken this action without any regard to the consequences of the parties involved with no attempt to contact. I was told on a phone call with customer service that they do verify funds for business yet we were denied. The bank should be penalized for these actions and made to clear our names and company reputation. All fees should be waved and at this point we feel they should write off the balance for deceptive banking practices. I have attached documentation for our account. We have copies of the churches account and know that it was open at the time of the banks actions but are unable to attach these without their permission as they are pursuing action of their own. 
Regards

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/13/2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Briefly - I was given a XXXX machine for XXXX XXXX, which did not work and was returned. I was promised a refund but when I showed with my XXXX machine but the only person to receive my machine was an assistant ( who I had never seen before ). She stated that the XXXX principals were not in ( even though I just talked with them by phone ) and that they did not have to be present to refund my {$500.00} deposit as they would refund my charge card from the info I had already provided. Not only did I not received my refund as promised, they then sent me a bill in XXXX for {$700.00} and sent me to collections as the same time. I informed the collection agency of the problem I was having but they informed me that their only responsibility/concern was to collect. Please help. Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Debt collection (Credit card) with Daniels Norelli Scully & Cecere, P.C. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been contacted by XXXX firms that claim I owe XXXX ( formerly XXXX XXXX ) {$1700.00} for a Sleepy 's purchase in XXXX XXXX. I had paid off other XXXX loans ( medical and other ) so when I was offered an account settlement I was most willing to pay the a lesser amount in two installments of {$350.00}. As agreed I did so and I do have the letter and subsequent payment documents. I was later contacted by a credit firm in XXXX, NY, XXXX, and explained the situation -- I had a solid explanation about the resolution. XXXX XXXX I was served by Daniels, Norelli Scully and Cerere. I explained the matter to their representative, XXXX XXXX asked me to fax the documents discussed to a " XXXX ''. I have the number and contact names. I wrote a followup on the cover to XXXX XXXX. I asked for a letter of confirmation. I did n't receive one, but was n't surprised. Not until this week did I hear from the Daniels firm. The paper work, a cover letter and an old letter " from XXXX '' were sent. It 's dated, insufficient work. A great problem for people is the insufficient, groundless information that causes firms like XXXX to join in without full knowledge of the matter. A firm like Daniels is just permitted to contact and harrass consumers without the proper paperwork. I remember seeing the issue on the XXXX XXXX. ... Something needs to be done. I 'd appreciate your assistance. I can easily provide documents. Thank you for your vigilance. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have tried several times with no help from Equifax to get proper access to my report. I was told that i have Alerts on my report so i sent In necessary docs to have any and all alerts removed. However, my Equifax continues to mis report information on my file. The bank says that my Equifax file is too large and it has to be compressed because its so large. 

Equifax is obligated by law to make my report accessible and should therefore delete all soft inquiries and anything else that causes my files to be so large that the report is no accessible. 

Furthermore, I am yet disputing this two inquiries that are on my credit file : XXXX XXXX XXXX, XXXX XXXX and these are not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Payday loan () with MNE Services, Inc (TX).
Issue: Can't contact lender

Complaint: Someone keep calling me from XXXX,XXXX. Stating that they are going to serve me papers on my Job. They give them to the HR. I need XXXX forms of ID. That I was a person of Interest. His name was XXXX. File number Doc XXXX. I had a payday loan online 1 year ago ; but my Job filed Bankrutcy ; and closed. I told the company at that time. I called the numbers at XXXX and XXXX and it states if you have an existing loan or in collection that they no longer in business that they have not sold any information to a third party. But everyday I get phone calls from different numbers ; they have all my information. There has been phone calls from XXXX ; I google it. I talked to a Consumer Compaint they tell me it is a scam. I can not rest for these peoples. I had called number back XXXX the lady was rude saying that I have been sued that I need a Lawyer. I told them send it to me in writing ; they are saying they have it in the court. I stopped answering calls that I do not know. I let the social security peoples know about the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Bank account or service (Other bank product/service) with Empowerment Ventures, LLC (GA).
Issue: Using a debit or ATM card

Complaint: I made transaction on my Rushcard that resulted in lost funds and interactions with very rude customer service agents and a rude dispute department. I made several transactions that are not showing up in my account. They are telling me that these transactions were never made against my account - Pending XXXX XXXX XXXX - {$67.00} Transaction ID : XXXX Pending XXXX XXXX XXXX - {$67.00} Transaction ID : XXXX My bank statement does not show these transactions but they were made to the company identified in the information about the transactions. 
I want to have a repair of my bank statement done and find out why my debit card was altered to no show these transaction and why my account is in the negative. 
I was allowed to make transactions on my account when it clearly showed that the account was in good standings. However, later changes where made that made the account go in negative standings. I also had problems with my transaction with XXXX on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I pay for the Equifax monitoring service monthly which provides daily updates to my credit report and credit score. I have not been able to update my score or report since   X/XX/2017 . I have  called them numerous times and every time I call I get the run around. This is a service that I pay for monthly and they have been taking my money monthly and have not provided a solution to this issue. I feel that I am being taken advantage of and would like to file a complaint against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Transunion has an incorrect address noted for me. I believe that there is an individual with my name who lived there, and the information was simply added to my report instead of hers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am a XXXX year ( XXXX ) mother of XXXX and my husband has XXXX and XXXX ... I 'm the only person working in my household. These negative credit reporting practice system is affecting my ability to find affordable housing for my family and this may lead to us being homeless. Please, help me resolve this issue. I have disputed negative items on my credit report with XXXX, Transunion and XXXX at least 5 times in 2016. I believe the XXXX, Transunion and XXXX Credit Reporting agency is in violation of my civil rights and prejudice against minorities, because no matter how many times I provide evidence I paid my debts they are unwilling to remove the old data from my credit report. They continue to report athat least XXXX accounts as collection or late payments. I resolved and paid all these creditors. Also, I believe this credit bureau company is unfairly reporting old credit card data from creditors even after I settled and paid these debts. I just want the negative accounts removed from my report so my credit rating can improve. I want to move on with my life and find affordable housing for my family.

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 02-09-2017 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I am submitting a formal complaint against my mortgage company Pennymac for false claims that I owe them personal property tax that was already paid from my escrow account last year. Per my tax return statement from Pennymac & XXXX was paid in personal property tax to the county and I had an ending balance of {$810.00} in my escrow. I had no negative balance reported. So it is no way I owe them money and there were no double payments made as they are claiming. My mortgage payments were XXXX, which includes the escrow amount. Now they are charging me {$3600.00}, which they providing a false explanation that my taxes went up to {$11000.00}, which my documentation from them and the county does not support. I was told that they are looking into this, but they already have the documentation from the county along with the information they sent to me. I feel like I am being scammed out of my money and I want it refunded and my account to be updated correcly.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Inquiries on my transunion credit report came off earlier this year and were put back on

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 01/23/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (SC).
Issue: Problem adding money

Complaint: Coinbase wont let me remove my money from my usd wallet

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Debt collection (Credit card) with Account Control Systems, Inc (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: While reviewing my credit report, I noticed that a collection has been reported on my file by ACCOUNT CONTROL SYSTEMS, INC. 
However, I respectfully dispute the validity of the debt.I request validation of this debt as required under Fair Debt Collection Act ( 15 USC 1692g ), and also, I am requesting that ACCOUNT CONTROL SYSTEMS, INC., provide me with all verifiable evidence, including but not limited to signed documentation by me obligating me to this unpaid invoices. 
Furthermore, I request that the Agency provide me with the name and address of the original creditor if the creditor is not the one listed above. 
To this extent, upon belief and information, this account is as a direct result of ID THEFT, as such I am not liable to the debt. I never signed or consented in anyway to this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (WA).
Issue: Struggling to pay mortgage

Complaint: This short sale was submitted 186 days ago as a COMPLETE packet with valid offer of {$580000.00} which is in comparison to the BPO. SPS 's  underwriting dept continues to ask for things they either have or do not need. Specifically they asked for a 2nd lien payoff statement, which I provided about 3 months ago. I was told they had an issue that it didn't include the property address, I explained it wont have the property address because it is attached to the borrower, not property as it is a credit card judgement lien. They then said that it would have to be remove from sale proceeds as they only pay mortgage liens, fine. I removed it. THREE MONTHS LATER underwriting is asking for a payoff statement again despite already resolving this. I have explained this to 11 people and they all understand at SPS ( customer service and supervisors ) they say they will send a message to underwriting to explain, they do yet UNDERWRITING continues to request non applicable payoffs BECAUSE THEY WONT PAY THE JUDGEMENT LIEN. This is just one of the many unnecessary delays this short sale file has endured.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX, XXXX I received a letter from XXXX/XXXX, XXXX which I will attach. This letter is a notice of a debt collection for their client, Midland Funding, LLC. The original creditor being XXXX , XXXX XXXX 
I have never in my life even heard of Midland Funding. I have never in my life acquired debt from XXXX. 
I went online and read the long history of problems and deceitful practices by both XXXX, XXXX and Midland Funding. 

I think it is disgusting that this can happen to someone. I am in the process of going through a mortgage and if anything happens to disrupt this process I do n't know what I will do. I am SO upset about this. 

I had a recent problem with XXXX XXXX and their reporting of a debt, and the CFPB really helped me a lot. XXXX ultimately admitted the error and I would have never been able to do that on my own ... I tried, having spent hours on the phone. 

I am frankly fearful to even call this XXXX  XXXX company after reading the stories about them online. I work full-time as a single parent and am in the midst of moving and I do n't have time to do what I did with XXXX. 
I responded in writing to XXXX within the 30 days they state that I need to do before the debt is then assumed to be " valid '' ... .seriously?? 

Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Debt collection (I do not know) with NCC Business Services, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeat calls and voice mail everyday. In the morning and after XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Mortgage (FHA mortgage) with FIVE STAR MORTGAGE (NV).
Issue: Closing on a mortgage

Complaint: Mortgage Broker : Five Star Mortgage, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX or XXXX XXXX Lender : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX Loan # XXXX Our mortgage broker and lender didn't follow the FHA guidelines. 
This was a vacant foreclosure, and no one upheld the FHA required inspections, that were to occur. 
We had this home inspected by XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX or XXXX XXXX on XX/XX/XXXX. They overlooked several major items that needed to be replaced or repaired. 
And the FHA Appraisal was completed on XX/XX/XXXX by XXXX XXXX Lic # XXXX XXXX. They also overlooked the needed repairs. 

We closed on the home XX/XX/XXXX, but moved in on XX/XX/XXXX. 

We then discovered : Mold around baseboards No Hot Water Garage Door opener malfunctions Kitchen sink pipes came apart, they were cut to short 2nd floor bathroom pipes also were cut to short Corroded light fixtures Non-working electrical outlets, even wires exposed Water Recirculating pump is burned out Window screens missing No GFI switches in upstairs bathrooms Additional broken window in bedroom White particles coming from vents Entry doorswere not properly installed or sealed Roof was never inspected Underground water sprinkler system is not working We believe, these issues were intentionally overlooked or minimized by the inspectors, for the benefit of the mortgage lenders and the realtor. 

Please let us know what canbe doneabout this situation. We've attempted to reach out tothe XXXX Inspector, XXXX XXXX, his manager XXXX XXXX, CEO and even their corporate office, without any success. 

Our realtor, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX or XXXX XXXX, did NOT provide us with a copy of the Seller 's Disclosure Statement, until two weeks after we had closed. Therefore we were not aware that this property had been a foreclosure and that there had been mold issues. 

If you require any additional information, please let us know. 
Thank you for your urgent assistance in these matters.

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 monetary relief
Consumer complaint received 11-10-2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax refuses to show correct balance for XXXX For XXXX and XXXX XXXX XXXX for XXXX. XXXX XXXX XXXX not showing the XXXX payment I made to them. I received XXXX credit from XXXX XXXX XXXX not showing in the correct balance owed. 
I want an investigation as to why Equifax not showing correct balance Owed for these XXXX creditors. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX XXXX , XXXX. intentionally sent a copy of a Writ of Garnishment to a third party, addressed vaguely so that it would be opened and read by someone other than myself. 

I am also certain it was sent to this address as a delaying tactic so that I would receive my mail late and be unable to respond in time to legal actions. 

On XX/XX/2013, I sent XXXX XXXX XXXX , XXXX. a certified letter that included, among other things, very specific directions about how to contact me as I have a PO Box ( I live in a rural area ). The tracking number for the certified letter is XXXX. 

( This letter also indicated that they were not to contact me by phone, which they have continued to do. ) I also included information about my mailing address in court filings. ( The court has had no trouble sending documents to the proper address. )

Company response to consumer: Closed with explanation