milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-08-2018 about Checking or savings account (Other banking product or service) with TIAA, FSB (NJ).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: By all appearances, on XX/XX/XXXX, my sister, XXXX XXXX ( aka XXXX XXXX XXXX XXXX ) accessed several of my mother 's ( XXXX XXXX XXXX ) TIAA investment accounts on line and changed the beneficiary designations on several accounts to make herself the primary beneficiary. 
My mother was legally XXXX at the time, being in late stage XXXX XXXX. XXXX was her legal guardian of person. 
The beneficiary designations that had been set by my mother would have split these assets, valued at about {$130000.00} in total, five ways. Each of XXXX 's siblings were to receive a one-fifth. My mother XXXX XXXX on XX/XX/XXXX, and shortly thereafter, TIAA transferred the money to XXXX. 
I have been trying to resolve this situation both as a civil and a criminal matter, but my primary contention is that TIAA ought to have reported this to both federal and state law enforcement officials. TIAA evidently has not, seeing that this much time has passed, and law enforcement officials have not interviewed any of the victims of this crime. 
Nor have law enforcement officials contacted XXXX XXXX XXXX, who is the administrator of my mother 's estate, who reported it to XXXX XXXX at TIAA, as early as XX/XX/XXXX. 
Together with my other XXXX siblings, we have been defrauded of about {$100000.00}, and I would like to know if TIAA is legally obligated to report to law enforcement authorities in such an instance. If so, why has the institution failed to do so, and, especially, why does the institution refuse to update the victims on the status of the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I filed a complaint a few months ago. I filed a complaint that my mortgage company did not pay my taxes in the escrow account. They did finally pay this tax, but one year later. They proceeded to charge my escrow account all the fees that were charged with paying the property tax a year late. My mortgage company Should have payed the extra fees because it was their error. I received a letter from them with a phone number that no one answered and I also called them and they would not help me. They simply said they paid the balence of the tax and charged my escrow and did not admit to any fault in paying the tax one year late and the XXXX of dollars that where extra fees from paying this late. Can you look into this again. I would like to get the fee money back and put into my escrow account or refunded to me and I want them to do this right this time.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The Best Service Co.,Inc (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was in default on a loan XXXX. XXXX Bank sold my loan XXXX, based in XXXX XXXX, CA in 2011. I have continually asked XXXX to provide me with statement indicating my balance and the interest rate that I 'm paying. They do not provide me with anything. I have tried to contact them via the link on their website so that I might have something in writing indicating that I have made this request many times. The link does n't work. I have called and asked for a statement and settlement amount and my " representative '' told me I was rude for asking, he would not give me a settlement amount, and hung up on me. I called again and asked for a direct email address to his supervisor as well as his supervisor 's name. He hung up on me. The balance on this loan does not appear to be decreasing. I have first tried to file a complaint with the XXXX in order to get the simple paper statement and settlement amount I have asked for. XXXX has a D- or F rating with the XXXX and they will not accredit the company. I am at a complete loss as to what I can do. I would like to settle this balance as soon as possible so I can start to work towards improving my credit rating which dropped so precariously several years ago when the economy turned. I can not settle this balance and be done with this collection agency if they wo n't respond to my requests and continue to hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Debt collection (Medical) with Professional Claims Bureau, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I work for XXXX hospital and was XXXX at work so they sent me to XXXX for XXXX. I have XXXX medical insurance and this was supposed to go through workers Comp. I have submitted the paper work several times to Dept collector and human resources. They refuse to correct this issue and have ruined my credit score. They harass me by phone and mail daily and have threatened me with a judgement. I do not owe {$1500.00} for this medical treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Vehicle loan or lease (Loan) with PNC Bank N.A. (FL).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I purchased a used vehicle from XXXX XXXX, XXXX, FL, not only did they add some XXXX XXXX 's to my car loan without my knowledge and consent, they actually added more misery by putting on tires that were not even safe even though they sold me a {$400.00} tire policy, then the {$1500.00} car maintenance plan added to my PNC Bank loan they are failing to repair the recall on my airbags on my XXXX XXXX XXXX VIN # XXXX. Now a law has been passed in the State of Florida making sure dealers have money to repair used vehicles regarding this safety recall XXXX XXXX Occupant Restraint Controller. I have had no luck with XXXX Dealerships also, stating the part is not available. So then I called my PNC Bank to see if they can freeze my loan ( I pay XXXX per month car payment ) so they can impound the vehicle, have it in their possession until a repair can be made. Recently I was rear-ended and the first thing the collision body shop asked me is " did the air bag light go on ''. I have found a piece of bent metal before this accident and had no idea where it came from, it may have XXXX XXXX XXXX XXXX XXXX, but really threw it out not really knowing what it was. I do not feel safe driving in this vehicle or having my XXXX in this car. I live in the high humity area that they say is crucial to first be fixed. <P/>PNC Bank recommended I trade the vehicle in, and I know I will never get a decent value due to this recall, but I am worried I wo n't even be able to get rid of this car or have it fixed and want some help with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a call from Portfolio Recovery Associated stating I owed money for an old XXXX Credit card. I stated that I was n't aware of owing any money on a account and please send documentation to prove the amount. On XX/XX/2017 I received a XXXX page document which included a letter from the company stating I owed money a credit card statement that showed I owed {$0.00}. The same day I called into the company and explained the agent what I had received in the mail and proved that nothing was owed per the bill they sent. She then insisted that a XXXX page document was n't sent but a XXXX page document. After almost an hour of telling the agent they didnt send me XXXX pages and her telling me in a round about way I was lieing hung up on me. I then called back in an spoke to another agent who confirmed there was no XXXX page document sent and saw the XXXX page document and agreed that it did n't not prove there was money owed but saw other documents that did show it. I explained if they didst send me what she was talking about how do I validate it is true. She agreed and said she would put the account in dispute, but could n't delete it from my credit report. Per the fair debt collection law the agency has 30 days to prove the debt is valid and has clearly not done so. They also clearly lied on what they claim they sent which would be another violation. The agent then transferred me to a manger who stated by sending me the invoice that showed a balance of {$0.00} was good enough to validate the debt. I asked her over and over again how showing me a bill with a {$0.00} balance is any proof of that over {$600.00} is owed and she could n't answer that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/31/2015 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Deposits and withdrawals

Complaint: Cap 360 sent an email on my personal savings account to a family member without my permission and refuses to remove this email address. This has never happened in the past and I have requested they show me proof of removal which they refuse to do.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: I did a ftc report fir identity theft and sent multiple dispute with debt proof its me all my credit on file is fraud i never git a chance to build credit no one is helping take i toff XXXX  experian and 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 03/15/2017 about Debt collection (I do not know) with Pressler & Pressler, LLP (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: i being threatened by pressler and pressler from XXXX til now XXXX i almost lose my child in XXXX from them threatening me every day i just over it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX let someone else open a credit card under my name XX/XX/2017 without any hard inquiries in advance, all of XXXX credit reporting bureau ( Experian, XXXX, XXXX ) are failed to inquire me about this case even despite I put 90 day fraud alerts XX/XX/2017. After I read about XXXX online, I know apparently they are infamous for doing something like this. Since they are hard to reach when it comes to inquiries regarding dispute ( no phone number provided ), I need help with disputing this 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 non-monetary relief
Consumer complaint received 11-02-2017 about Debt collection (Other debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This company keeps harassing me in regards to a debt that I do not owe. I have sent out a letter of validation to the XXXX XXXX. I have no contract with this company. The account that they are reporting was charged off in XXXX XXXX. I would like the collections account on my credit report from Portfolio Recovery Associates, LLC to be deleted due to false information. I paid the original creditor " XXXX XXXX '' the remaining balance before it was sold to Portfolio recovery associates, LLC. 

Also, this company is not authorized to collect debt in the state of Florida according to the secretary of state. 

account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting a certain debt collector call me from Virginia saying I still owe money but am not longer going to be sewed bt Capital One. Apparently it was an account opened in XX/XX/XXXX and some payment was made in XX/XX/XXXX. I do n't understand.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hard inquiry against my credit report exists, without my knowledge, and consent by XXXX XXXX, on XXXX/XXXX/XXXX, which I dispute and would want to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX/XXXX/2015, I filed an dispute with Syndicated Office Systems. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised them that not complying wit the FDCPA will put their company in a bad position with the CFPB. Syndicated Office Systems never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Recently Equifax experienced a data breach and according to their records, my personal information was compromised. They are providing some services but the disclaimer attached to those services requires that I sign away my rights to involvement in any legal action that might be taken against them in the event that I suffer a lose or damage and would attempt to exercise my legal rights against them. I feel that this is not an appropriate action to take against consumers who have been harmed by Equifax 's failure to protect consumers ' information. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Complaint was filed with Federal trade commission. Consumer Finance and HUD. NO COMSUMER LAWS WERE UP HELD. 

FRAUD COMITTED BY THE FOLLOWING BANKS!. XXXX Excessive Brokers Fees, XXXX in PA. 
Transferred loan under court jurisdiction when not aloud did not collect from XX/XX/XXXX to XX/XX/XXXX. no TRANSFER RECORDED NO REFINANCING ALOUD NO NOTICE FOR MOST TRANSFERS. 
2.XXXX sister company held from XX/XX/XXXX to XX/XX/XXXX transferred again with out court approval. 
3. Littion Loan Servicing- fraud not posting payments collecting fire insurance when not needed paying taxes when not late.recording less money than paid to IRS Transferred after XXXX FRDULENT COPIES SENT TO CONSUMER FINANCE HUD AND FEDERAL TRADE COMISSION. NOT listed in XXXX district court as having owner ship XXXX Only. 
4. Transferred to Ocwin never collected a dime never signed any thing with this company. Reporting on credit report as fore closing when XXXX XXXX was aloud to foreclose even with a letter sent to comsumer finance by a official from XXXX XXXX stating they had no legal right to collect.. Posted in XXXX district court also. 
5 XXXX XXXX no transfer ever given no papers signed no right to collect. 
In XX/XX/XXXX XXXX person went into the XXXX district court and transferred my mortgage from XXXX to XXXX to XXXX & lt ; XXXX. Where were the reps from these now defunk companies sinceXX/XX/XXXX. Paper work was also fraud. I guess anyone can steel anyones property I have proof of this even in court documents. 

It is required to register right to collect where is the XXXX in XX/XX/XXXX and Littion Loan servicings? 
You as well as the XXXX district court stole my house. Was n't itbad enough that these banks did what they did? 
Iam now XXXX years old with majer health problems brought on buy this, My credit is being ruined by Ocwin bank who never collected a dime and is not registered in the XXXX district to collect.CFPB did nothing as well as Federal Trade Commision and HUD you all are being paid to enforce Comision protection Laws and NONE of you are you all need fired. for you XXXX, Please do publish this and if not I will!

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I tried to get my credit reports at XXXX on XXXX XXXX, 2017. When I tried to get my experian report, it said that there was some problem at this time that prevented delivery. When I tried to get my XXXX report it says that they refuse to deliver it online and that I have to mail in the form supplemented with two photocopied identity documents. When I tried to get my XXXX report, it claims it failed to verify my identity because not enough information was supplied, but I filled in every field in the online form. The website is basically useless.

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 08/13/2017 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: Account status incorrect

Complaint: XXXX XXXX XXXX WAS INCLUDED IN MY BANKRUPCY WHICH THEY ARE SHOWING ON MY CREDIT REPORT AS UNPAID AND NOT PART OF THE BANKRUPCY. THE CAR WAS TURNED IN DUE TO BANKRUPCY AND APPROVED BY THE TRUSTEE AND WAS PART OF DISCHARGE. I OWE NOTHING TO XXXX XXXX OR ANY OTHER AFFILIATES ASSOCIATED WITH XXXX, UPON TRYING TO GET RESOLVED WITH XXXX, THEY HAVE NOT TAKEN THIS OFF OF ANY OF THE 3 MAJOR REPORTING AGENCIES AS OF TODAY. I ASK THIS BE REMOVED IMMEDIATELY AS IT IS HAVING NEGATIVE IMPACTS ON MY LIFE DUE TO XXXX NOT HANDLING THIS PROPERLY KNOWING IT WAS PART OF BANKRUPCY. IF NOT REMOVED UPON RECEIVING THIS NOTIFICATION I WILL PURSUE ANY MEANS NECESSARY TO CLEAR THIS UP.

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 04/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Liberty Holdings, LLC (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I received a judgement of a garnishment that I am not aware of what for. I was not notified of a lawsuit and do not recognize this company 's right to sue me at this time. I need evidence stating what the lawsuit entailed and the original debt that they are claiming.

Company response to consumer: Untimely response
Consumer complaint received 06/15/2017 about Debt collection (Other debt) with Collection Bureau of America Ltd. (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this with a check sent multiple checks already to pay this and they still reported to my credit and sent me to collections

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Debt collection (Medical) with AR Resources, Inc. (FL) (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have received XXXX calls about a debt that I supposedly owe in the amount of just above {$500.00} for an endoscopy center. The first time I was called was in XXXX of XXXX and they refused to tell me who they were and what they called about until I gave them my personal information. After giving them this information and asking what this was about I was rudely hung up on and told " Oh well it 's your credit being ruined. '' I received another call on XXXX/XXXX/XXXX by XXXX asking me to return the call about a letter sent, not stating who was calling or what it was in reference to. I called the number back and spoke with a young lady. Again, I was refused to be told who it was until I gave my address and last XXXX of social. I obliged and was told it was AR Resources calling about a letter sent to collect a debt. I explained that I did not get any letter about a debt and I would pay it up receiving said letter proving I owe. I was told " This is n't a business that sends bill after bill after bill. We need to collect the money before any further action is taken. '' I explained I never got a bill and to send me a bill, I was n't going to give someone money if they ca n't prove to me I owe the money. I was told they already sent it and they would n't send another. They would accept credit and debit cards over the phone at no additional cost. I told them I will not be paying anything until they can prove that I owe anything as I did not get notice of this. She then said " Fine I will send a bill, is that all? '' I said it was you who called me and once I receive a bill I will go about paying it as needed. The people that work here are VERY rude and have no sense of any type of etiquette when speaking to someone over the phone. They attempt to collect debts yet refuse to prove the people actually owe the debts. How is this proper business tactics?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation