milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-09-2017 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: I called compas bank several times to do a simple address change. XXXX the first person i spoke with stated that I abandoned my account. I asked how is that possible and was told because I have not made any deposits or withdrawals recently. He said i no longer have access to my account until the inactive status is lifted. Once lifted I can have access. He was supposed to escalate to corporate to have re activated and said someone would call me within 24 hours. No call received. I called back the following day spoke to a XXXX. He said account would be escheted to the state If status not removed. He said they were working on it in fulfillment and should be active within a few days. I call back XXXX spoke to a XXXX who said it was never escalated and that the fulfillment person rejected it. She said they needed more information from me to have status changed. Again gave all my information. XXXX promised me account would be reactivated that day and that she would call me back. Today is XXXX and still no call. 

They are unable to tell me what date this supposedly took place. I have a considerable amount of money in this account and am not able to access it due to this inactive status. I 've asked to speek to a supervisor several times with no avail. I 've called and spoke to 4 different people this week with no avail. Latest call was on XXXX to a XXXX who assured me account issue would be resolved that day and was to call me back once resolved. Still no call nor am I able to access my account. I am at my wits end. I am waiting for the bank to open so I can call again this morning.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I 'm been disputing XXXX hospital bills that showed up on my credit report from a very shady collection agency named XXXX out of XXXX XXXX CA. I 've dealt with this company for over a year. They had an incorrect social security number as well as address and other information. I was able to get XXXX and XXXX to remove the information as they confirmed it was incorrect. However Experian was difficult to deal with. I called them several times, they confirmed the info was incorrect that the collection company and even told me they would remove it yet they did not. I called them last week, XX/XX/XXXX, FOUR times until finally a representative from Experian came back on the line after having me on hold for 15 min and told me the collection company wanted to talk to me. I told her I already dealt with them and they we 're very, very nasty and refused to accept this was not my account despite sending them information. None the less she came back on the line and said the collection company refused to proceed without talking to me. She also said she would be right on the line with me and I just had to answer questions. I begrudgingly did this and as I suspected the representative from the collection company was rude, condescending and put me on hold because I " was not behaving. '' Once he came back I gave him the information he requested however the representative from Experian did not tell me that the numbers on my social security number that we 're incorrect where the last XXXX numbers. The agent from the collection company asked me the last XXXX of my social, I gave it to him and the minute I did so the agent said " thank you thats all I needed, we 'll be in contact '' and hung up. Experian did not help me remove this item as they should have, they made it so this criminal company now has access to my info. I want Experian to be held responsible for this and I want these XXXX false reports from XXXX removed.

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 12/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I requested TransUnion to investigate XXXX XXXX XXXX XXXX negative tradelines that have been reported on my credit report I reported that these tradelines do not belong to me. I sent a Dispute and Validation letter to the creditors listing the discharged debt on my credit report and filed dispute with TransUnion thirty days later in XXXX XXXX, 2016. 

I contended to TransUnion during my dispute that they morphed or duplicated negative credit information with a stranger who shares a similar social security number or surnames stating that they mixed the information of persons with the same last name and similar first names, and combined or mixing the credit files of persons with similar names living in the same city or zip code. 

I demanded full and detailed results of TransUnion 's investigation, including information on how they contacted the creditors listed in my disputed and a copy of their responses to TransUnion 's inquiries. I received neither, which is a violation under FCRA 623 ( a ) ( 1 ) ( A ) and under FCRA 623 ( a ) ( 1 ) ( C ).

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 10/29/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (GA).
Issue: Managing, opening, or closing account

Complaint: Rushard has denied me access to my active account. I have in the account nearly $ 200.00+ a refund from a department store of {$36.00} that bever posted. I have called, emailed and posted via social media several times. I 've even spoken to someone and was told my issue is on the radar and being escalated. Rush has made several promises to call me back with a day or hour. The phone lines are down. I have been borrowing money for gas to get to work and to feed my kids until I can make it to another payday. As a single mother of XXXX this has a been a strain on me. Please help, what rush card is doing is morally wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received XXXX phone calls today, XXXX calls yesterday and two calls a day on a {$92.00} debt that I owe. They do not leave voicemails or really have any information they can give me on the dates and time i owe the debt. They say it is for XXXX XXXX. They are calling me at work and I 've been reprimanded for it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (AZ).
Issue: Struggling to pay mortgage

Complaint: I was   XXXX   some time ago and can   XXXX   XXXX   XXXX   I have been working with  XXXX   XXXX  and his team to negotiate a short sale with  Specialized Loan Servicing.  They were able to find a Buyer however, the bank is not willing to look at the offer. They say the foreclosure is too close even though it is a month away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (Other debt) with KelKris Associates Inc (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: So I gave up after challenging this collection debt attempt through the credit agencies last year. The debt started as a court ordered debt and quickly went into collections after being late on the first payment. It got sold to credit bureau associates right away and now there is an extra debt on my record not related to the first debt. So I show two collection debts from this company regarding the first debt. I know this because they came on the credit report the same day. It continues to grow every month so the debt appears new every month though it is now three years old. I would need the extra debt removed. The XXXX is the extra debt. The XXXX is the wrong amount too of what I really owe. I have not received anything in writing but that it was correct from the credit bureaus. No backup documentation was sent to me. I believe this is false and for the damage it has caused me from preventing me to get credit, I would want the whole debt forgiven. This has taken so much time away from life I ca n't get back. Can I collect for that from CB Associates?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 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: Information belongs to someone else

Complaint: still showing inquires all company due to ID theft not mine XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX. XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Automotive Chase Auto Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX +

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 04-02-2018 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX, Sunrise Credit Services received a certified letter from myself requesting debt validation. The company sent a Billing Itemization. On XX/XX/XXXX, a 2nd certified letter of request to validate debt was sent to Sunrise Credit Services requesting proper debt validation per FDCPA guidelines. The letter requested a response within 15 days. As of today, XX/XX/XXXX, Sunrise Credit Services hasnt  responded to my request.

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 02/15/2017 about Debt collection (I do not know) with Citi Management Group, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Continue to receive calls for debt that is not mine. Similar name but a different person not me.

Company response to consumer: Untimely response
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
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: Transunion case # XXXX & XXXX Credit card for XXXX store. THIS case is against both of them as a ) this issue never became one and b ) Transunion ruined my credit score downward my -10 points for something not my fault. 

In either XXXX or XXXX of XX/XX/XXXXI made a purchase with a brand new, just that day, XXXX card. The total ended just under {$18.00}. I 'd just moved to this city in XXXX, MN XXXX so it was first shop at this store. 
A few months later during the move it occurred to me I 'd not RECIEVED any mail from XXXX and oh my gosh! I 've not paid my bill! 
I quickly called, explained why I was late the few months, paid it in full and THAT WAS IT. CARD PAID OFF. 
So explain to me why I 'm being sent to collections and I have numerous days on my account that I 'm past due? I called and paid it!!!! 
Plus I called in XX/XX/XXXX as I saw action on this closed account and I thought I was being used by identity theft!!! I called immediately and was about to call anyone I could but thankfully I had someone from XXXX on the line saying all was fine. 
FINE??? WHY IS MY CARD STILL SITTING IN ACTION BUT NOT BEING " USED ''? 
WHAT IS XXXX DOING TO ME? 
I beg you to please help as I do n't trust whatever is going on. 
THANK you kindly, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Debt collection (I do not know) with Premier Recovery Group (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I have people calling my job and making threats. I have asked for them to stop calling and they do n't.

Company response to consumer: Closed
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: My mother is trying to get my Credit Reports online. She has a XXXX  computer XXXX XXXX XXXX and she used XXXX XXXX. All XXXX  credit reporting agencies stated can not get this online right now! I live a house with XXXX room mates and do not want this sent by mail for that reason. How can all XXXX agencies claim UNAVAILABLE at the exact same time, unless they do n't work with XXXX computers, which would be discriminatory.
Because of XXXX XXXX from a XXXX XXXX, off on XXXX since XXXX XXXX, 2017 ( which had stopped twice so far ) she thinks it a good idea to keep an eye on my credit reports.
HOW CAN I?
Can you PLEASE make these tax payor agencies serve EVERYONE in a manner that is best protecting THEIR identity?
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 09/20/2015 about Debt collection (Federal student loan) with GC Services Limited Partnership (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company has ruined my life because of their dishonesty. 
They initially told me that it would be {$600.00} on top of my garnishment to get out of default, an amount I could not afford. 5 months later that amount dropped to {$160.00}, which made no sense. 

When I asked if I had any recourse, if there was any XXXX I could go to to dispute this, they blatantly told me no, I could not appeal. 

Had they quoted a manageable number to begin with, I would be out of the garnishment and would have avoided XXXX I have made this year. 

I was not getting any of their communications -- including the ones warning me of the garnishment. I had to tell them XXXX times that my address had changed. 

Two days ago I asked if they could delay my payment 4 days. They agreed. I recorded the phone call as proof. It came out of my bank account as scheduled anyway. This will result in all kinds of fees.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Debt collection (Payday loan debt) with Halsted Financial Services, LLC. (OH).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: First contact was made on  X/XX/17    gentlemen informs me I have an outstanding balance on a loan. I inform the individual that I 'm not aware of a loan and would like to see a promissory note of some sort. The individual became rude, condescending and refused to provide evidence that I was ever responsible for the loan. So I informed the gentleman that I would not make any arrangements until proof could be provided. The gentleman then began making claims that they would proceed with legal action and verifying my employment. I then reinforced that no arrangement would be made and then asked that all communications cease. Since I have received calls on  X/XX/17   ,  X/XX/17   , and  X/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Bank account or service (Checking account) with PNC Bank N.A. (IL).
Issue: Problems caused by my funds being low

Complaint: This a complaint is in regards to PNC Bank. I recently applied for a preapproval for Mortage. I have banked with PNC for over 11 years. The representative humiliated my girlfriend. He basically laughed at me and only offered me loan for {$80000.00}. I want to another bank was approved for {$110000.00}. I was told by the other loan company that I had to payoff a credit card. I went to pay it off and accidentally made a payment from the wrong account. I noticed the charge on the PNC account and on the same day I made an ATM deposit by XXXX. I was charged XXXX deposits fees for using a non-PNC ATM. I work for a bank and I 've never even heard of a deposit fee. The funds were held from my account for 4 business days. I was never informed or give any information regarding a hold of this type. I was charged XXXX {$36.00} overdraft fees. XXXX was even for a POS purchase the second day for {$0.00}. I have sent 4 emails to PNC in order to get some type of resolution to the issue. The last responses had the same generic email, which says to contact them. One of the options was to contact them via chat. I tried to speak to representative via chat named, XXXX, whojust gave me the runaround basically. XXXX could n't assist me, but he did n't even attempt to resolve the issue. I asked him if he had a supervisor and he did n't answer the question directly. After asking the question a second time, he said his supervisor was gone for the day. So there is customer service representative, who currently has no oversight. He wanted me to call the center, but I was told via the email I could have the issue resolved. XXXX was unwilling to contact a supervisor in the call center itself to review the issue. XXXX disconnected from the conversation before I could even look into another resolution. I am very dissatisfied and sad given all of these events. I used to refer people to PNC. I guess things have changed. The best I can do is issue this complaint, so others do n't have to go through the same issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/28/2016 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Credit line increase/decrease

Complaint: I have paid my bills on time and have a good relationship with my creditors. However, my new Walmart Credit Card issued by Synchrony Bank lowered my available credit by 33 % in less than 30 days with little or no warning until a letter was mailed explaining the reduction after the fact. A reduction of my available credit has caused an increase in my overall credit utilization. Such constructive activity by the credit issuer adversely affects my credit rating where my credit utilization will remain high based on the extreme low credit limits placed by Synchrony Bank. If Synchrony Bank would have left my initial credit limit, then my credit utilization would not be affected, and my credit score would remain steady, secure and much higher than it is today. I could understand if I was in default or habitually behind in payments, which I was not. Constructive credit practices by lenders that affect credit reporting without recourse or corrective measures should be unlawful or illegal especially when there is nothing wrong with the credit account.

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 03/17/2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (CA).
Issue: Managing the loan or lease

Complaint: I set up a automatic payment with west lake financial for XXXX/XXXX/16, for some reason my bank had a block on payment to this company, so when i saw that the payment was return by west lake i called them up and paid over the phone, i was given a confirmation number and was told my next payment was due on XXXX/XXXX/2016, however i have been receiving phone calls a couple times a day via a automatic dialer, and they say i am late on my payment. i then explain the situation and give them the confirmation number they then say they will notated the problem and i should not get another phone call, but i get another phone call saying i have not paid

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Debt collection (Payday loan) with F&L Marketing Enterprises LLC (VA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On XX/XX/2017, XXXX, contacted my reference. She informed the reference that I had applied for credit. She used other misleading statements that gave my reference the impression I was attempting to open a new account. The employee also asked her to verify that I recieved my income via military retirement pay. This made my reference feel uncomfortable. The employee also asked my reference if she trusted me. I feel these aggressive and misleading collection practices are unnecessary for a loan that is XXXX payment past due, with a total balance of XXXX. The company employee also calls several times a day, leaving a voicemail each call. I attempted to resolve the matter with the employee on XX/XX/2017. She was rude and informed me that it was company policy to tell my reference my personal information about the debt. I informed her that a general verification of my name, home address, and phone number should have been sufficient. I feel that my references should not be told my source of income, the amount of the debt, or questioned about their level of trust.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-05-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (WA).
Issue: Trouble during payment process

Complaint: I am requesting monetary damages for all the violation Shellpoint has committed since taking over the servicing rights from  XXXX  back in  XXXX  of 2016. Since then, Shellpoint has mismanaged my loan account and failed to apply payments towards my mortgage PITI but instead, they have been applying to illegal fees and letting the funds to sit in the unapplied account instead of applying towards my loan balance. Please see the attached complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation