milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I reached out to Transunion and was treated unjustly. 
The customer service reps were rude and I was hung up on several XXXX times after being hold for over 30 mins a call and my issue was never=== resolved. My inquiries were deleted and reinserted back to my credit report and I was never notified or given reason why. According to the XXXX that is unlawful. I am requesting the inquires be permanentlyXXXX deleted. 
XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NXXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX TRANS UNION Inquiry XXXX 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 05/19/2017 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: Problem getting your free annual credit report

Complaint: I wanted to recieve my free yearly credit report with Equifax and I could n't do it on the website. They asked me to send them a copy of my driver 's license and social security card. I did that and they sent me a letter stating that I did not send them to proper identification needed to get the credit report. I tried to call and could n't get a person. Instead, I got some kind of voice prompt that never sent me to a person. That was my attempt to get the situation settled with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2016 about Bank account or service (Checking account) with POPULAR BANK (NY).
Issue: Account opening, closing, or management

Complaint: This complaint is in reference to Popular Community bank 's {$120.00}. bonus checking account promotion now in effect. 

Here are the small print rules : http : XXXX Retirees get once a month direct deposit checks. 

Since it takes the Treasury /Social Security 10-12 days to set up a new electronic bridge to the bank ... it is simply impossible for retirees to have XXXX checks deposited into the new account within a strict 90 day window as specified by the bank. 

The third direct deposit would always exceed the 90 day window-so the customer would forfeit their $ XXXX. The bank might as well have advertised people who do n't work ( earn weekly or bi-monthly paychecks ) need not apply. The XXXX checks within 90 days rule blatantly discriminates against the elderly, the XXXX and others who receive once a month income.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Debt collection (Auto debt) with TD BANK US HOLDING COMPANY (MS).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I received a call from TD Auto Finance at my place of employment ( the number referenced ) and asked the operator to note that I am unable to receive personal calls at work. The operator said she would note my account that the number was not to be used for collection purposes. Yesterday, I received another call at my place of employment. I was away from my desk but saw the number on the caller ID. I sent a complaint through their communications system on the TD Auto Finance website with the following response : " Thank you for reaching out to TD Auto Finance to share your payment intentions. To have your payment intentions noted on your account, please call us at XXXX Monday through Friday XXXX XXXX to XXXX XXXX Eastern Time, Saturday XXXX XXXX to XXXX XXXX. Eastern Time, and Sunday XXXX XXXX. to XXXX XXXX. Eastern Time. If you have any other questions or need further help, please let us know. We value you as a Customer and are here to serve you. Thank you for choosing TD Auto Finance. Sincerely, XXXX XXXX Problem Resolution Specialist TD Auto Finance. '' Less than 24 hours later I received ANOTHER call at my place of employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-12-2015 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had closed my account with XXXX due to purchasing a home and moving addresses. XXXX stated over the phone that there was no balance to be paid and my account was in good standing. XXXX then opened up a new account unbeknownst to me, never sent me a bill and closed the account a few month later. According to the debt collection agency who purchased the fake debt, XXXX sent me a letter in XX/XX/XXXX to the old address that I had not lived at for months.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Debt collection (Credit card) with TD BANK US HOLDING COMPANY (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: XXXX has NOT stopped harassing phone calls to me even calling at XXXX and at night at XXXX threatening and using abusive language and this is on the nordstrom card that had unauthorized charges and nordstrom has closed off and cleared all fees. please help to stop sentry this must be illegal and every unethical thing to do

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Prepaid card (Gift or merchant card) with U.S. BANCORP (CO).
Issue: Unauthorized transactions/trans. issues

Complaint: I purchased XXXX pre-paid Visa cards at XXXX at XXXX XXXX grocery store for the total of {$1000.00} for my family as gifts each card totaled {$250.00}, i have had numerous calls to Visa who knows the cards were compromised and where, i have had no help from them on this issue!!, I filed an XXXX XXXX dispute for {$250.00} on XXXX of the pre-paid cards and won, leaving a balance of {$750.00} they owe me, they sent me a replacement card with a balance of {$55.00} on it? ( still owe me {$190.00} on that XXXX ) then my sister was able to use hers for {$110.00} until it was compromised and a thief stole the rest of the funds, she was told that she won that dispute but they did not send a replacement card or any way to get the funds back, they owe me {$570.00} plus fax and other expenses thru this process, they expect me to be able to reach an associate at their phone # XXXX ( XXXX ) XXXX never returning my calls ( even though i 've faxed all per tenant information and included all info they request on the answering service ), it has been a total nightmare and their hiding behind the veil of a large corporation that offers NO help or resolution to this issue, i have a paper trail and all receipts pertaining to this transaction and have had NO help, i 've called numerous people and have NO resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Was advised that on the tenth business day provisional credit would be issued in my checking account in reference to a claim, fraudulent and unauthorized activity with my lost and or stolen debit card on XXXX/XXXX/2017. Credit has still not been issued. Claim ID 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 monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I am one of the people that was encourage to go into forbearance, but not told there was a limit to forbearance. My loan has ballooned to over XXXX, and I am being charged interest on the interest. And now, being told I have used up deferment and forbearance. I can not even begin to make this payment at this point, but only have hardship option which I do not meet. I am now being harassed with calls daily, and not helped by them at all. I have tried to consolidate but can not get anyone on the phone for this- I was given a phone and told to register but there it stopped. I do not know what else I can possibly do. Help! Please! I am being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Mortgage (Other type of mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Closing on a mortgage

Complaint: Nationstar Mortgage LLC is attempting to sell my home in a foreclosure trustee sale on    XXXX   XXXX  2017     and steal my home when neither they or the foreclosure trustee have any standing to do so. i : repeatedly offered to pay them in full if they can simply validate the amount of the alleged debt as FDCPA rquires them to do. They do not, since they have fabricated papers to make it look like i : owe some alleged debt to them.   In either case :  This is a 28 U.S. Code 1343, now that CFPB, President Trump, US Supreme Court, US Marshalls Director  XXXX , Government Accountability Office Director   XXXX   XXXX  , Sheriff   XXXX     XXXX  are notified of the crimes against me and are required to act.      YOU ARE SERVED, AND ARE NOW LIABLE TO ME.     Today,  XXXX   XXXX ,  2017 i : ha ve sent to  President Trump [ Delivery via U.S.P.S. Fir st Class Certified Mail Article Number :  XXXX   XXXX   XXXX   XXXX   XXXX   ] , to U S Supreme Cou rt [ Deli very via U.S.P.S. First Class Certified Mail Article Number :  XXXX   XXXX   XXXX   XXXX   XXXX   ], US   Marshalls Director   XXXX   [  Delivery via U.S.P.S. First Class Certified Mail Article Number :  XXXX   XXXX   XXXX   XXXX   XXXX   ] , to  Government  Accountability Office Director   XXXX   XXXX   XXXX   [  Delivery via U.S.P.S. First Class Certified Mail Article Number :  XXXX   XXXX   XXXX   XXXX   XXXX   ] , to  Sheriff  XXXX   XXXX   [ D elivery via U.S.P.S. First Class Certified Mail  Article Number :   XXXX   XXXX   XXXX   XXXX   XXXX  ], the following instruments among others  : 1.  Warrant for arrests,  XXXX  of such warrant for arrests and indictment of the President of foreclosure trustee  XXXX   XXXX   XXXX  and the President of Nationstar Mortgage LLC  XXXX   XXXX  are first and second attachments.    2.  DEFAULTED BILL TO NATIONSTAR MORTGAG E LLC [ and its Co Parties Agent ( s ) Principle ( s  ) ] for {>= $1,000,000} is the third attachment.    3. I ndorsed copies filed in court of ad subjiciendum which is an extraordinary remedy, attacking the legality as Unconstitutional is the fourth attachment.    4.  Indorsed copies filed in court of my firing of civil servants, judges, attorneys are  the fifth attachme nt.     i : do expect my remedy as an American who has been wronged by a group of criminals dressed as attorneys, debt collectors among others. Feel free to call or email me with any questions that you may have.     All rights reserved waive none i : a man,  XXXX  :  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX pull out my TransUnion credit report 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 02-05-2016 about Debt collection (Credit card) with Commonwealth Financial Systems, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Commonwealth Financial Services contacted me by phone telling me I had by end of day the next day to pay a debt of {$2000.00} or they would be sending me a summons for criminal charges. They tole me the additional fees could be upwards of {$8000.00} if we ended up in court. I told them to send me something in writing. I received a letter from XXXX XXXX ( XXXX XXXX? Email address was XXXXXXXXXXXX ). The letter stated that I had to settle the debt by XXXX/XXXX/XXXX to avoid any further collection proceedings. I received several harassing emails after our initial contact. I looked in my records and saw that this account had been satisfied in full with XXXX XXXX XXXX back on XXXX/XXXX/XXXX. I feel that this was a complete fraud tactic to scam me out of {$2000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized Credit Inquiry : XX/XX/2017 XXXX XXXX XXXX, CA XXXX ( 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 01/18/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with U.S. BANCORP (WA).
Issue: Unexpected or other fees

Complaint: Alright all I did was just transfer money from my savings account to my checking account. But apparently I got ta pay even to move around my money in my bank account. All I did was transfer funds and I got charged XXXX $ which added up to over {$300.00}. I was unaware of this I would not have done it if I was. I would like a full refund since I was using my own money that I earned

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 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
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: I have been writing letters to this company for more t han two years. I 've made several request for this company to investigate, re-investigate, requested copies of their IN VESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in place even thoug  h TWO YEARS has already passed.
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Alll I received from this comp  any is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing at all.

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: CAPITAL ONE AUTO FINANCE WAS SUPPOSE TO REMOVE ALL HARD INQUIRIES THEY LEFT ONE DATED XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a credit alert that a collection agency known as IC System stated I owed them a debt of {$610.00}. I was not aware I owed a debt to anyone. I contacted them immediately. The debt belonged to a power company I had n't used in several years. IC System said if I paid off the debt immediately it would be removed from my credit report and not further reported to the credit bureaus. They promised me this debt would be deleted. I paid it off immediately. IC System still reported it to the credit bureaus. I called IC System and they verified the debt was paid, but still they did not properly report this to the credit bureaus for removal. It has been several weeks since I paid this debt in full and the derogatory remark remains on all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Account open XX/XX/XXXX with XXXX which is reporting late payments of 90 days past due or more, which is incorrect. I was in school from XX/XX/XXXX to XX/XX/XXXX and was in deferment until I started back school which was XX/XX/XXXX thru XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX. In between those times my account were in deferment status.

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 01/17/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problems caused by my funds being low

Complaint: My checking account was overdrafted on XX/XX/XXXX for a small amount ( $ XXXX- {$15.00} ). On XXXX of XX/XX/XXXX I had a deposit made that more than covered the deficiency. Chase proceeded to charge an overdraft fee of {$34.00} for the small ticket item, and refused to reimburse me. 

This is usurious, first off - {$34.00} ticket for a $ XXXX- {$15.00} deficiency that extended for less than a full business day??

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MI).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I closed and paid off my American Express XXXX XXXX XXXX in XX/XX/XXXX. There was a credit balance of {$24.00} that was due back to me because of an overpayment. As of today XX/XX/XXXX I have not received a refund. One has been requested twice both by phone and online using the American Express XXXX application.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/15/2015 about Debt collection (Payday loan) with Enova International, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company by the name of XXXX. contacted XXXX family members ( XXXX my children ) with threatening information disclosing my debt and leaving information stating that I was going to be turned over to XXXX County Texas for fraudulent instrument, fraudulent bank information, litigation status. As you can imagine this caused great imbarassment to me as they disclosed this information to both of my sons and my daughter-in-law. The person that made the calls was XXXX XXXX, she left a number XXXX ext. XXXX. I returned the call and spoke with a person named XXXX, who was extremely rude and hung up on me. She informed me that they were a mediation service and that she was allowed to contact my family members at least once a day, and would continue to do so. She alsoi informed me that the amount of my debt was 2,000.00 plus dollars for a XXXX debt. I attempted to make arrangements with this company to pay this debt and told them to send me proof of debt by mail and was told that they do n't do business that way, I offered to make small payments, which was all I can afford, and they said it was n't enough, that it had to be in XXXX large payments. This XXXX informed me that my debt was switched to a different debt collector every 6 months to make sure the debt does n't drop off and continue ruining my credit. I asked them not to contact my family but she told me they were going to continue to do so. I informed her I only make XXXX per hour and can not afford to pay a large amount, to which she informed me I should n't go around making debt. I have never been so insulted and bullied in my life. I am a divorced XXXX yr old woman that lives alone and is trying to make a living. I am doing the best I can and do n't need harassment from these people contacting my family members.

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 11-12-2016 about Mortgage (FHA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Application, originator, mortgage broker

Complaint: In XX/XX/2016 I applied for a Mortgage with Fifth Third Bank. XXXX was my mortgage representative. She ran my credit and saw my score was on the verge of a denial she thought and then said, I should bring it up a few points. After that she still submitted my Mortgage application. Apparently, I was approved for a possible Mortgage if I would of submitted the paperwork the underwriters were asking for. I have documentation in the form of Postal Mail from the 5/3 mortgage center asking for information. I am attaching a Email asking XXXX where should I send these papers, to her or to the address on the mail. She replied " we are waiting and just wait for a denial letter '' is your score over 600? 
I waited and the property I wanted went up for sheriff sale. 
I asked to reapply and XXXX told me that my students loans were too high. Since I had a {$0.00} payment she had to figure out what I pay normally. She came back with a figure of {$400.00} a month on one loan, and {$700.00} on another loan. My student loans are {$19000.00} and 1 % is the average for student loans a month. So I am attaching a email where XXXX stated " FHA '' figures this differently. 
Now, I am at the office of the president asking for help from 5/3 bank. Well I am told that 5/3 wont buy " Sheriff Sale '' property. 
I asked my local 5/3 bank manager and she stated they have plenty of times bought " Distressed Properties '' from other banks. 
I feel that I was discriminated against because of the conversations with XXXX. She made it clear after I called the Office of the President that I got another department involved and there is not much she can do. 
Then after numerous attempts to contact the office of the president, they finally blew me off and decided that I was not worth dealing with. 
I am attaching a small portion of the evidence I have.

Company response to consumer: Closed with explanation