milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/18/2017 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: Information belongs to someone else

Complaint: On or about XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX someone with an intercepted copy of my California  Driver License was able to pay cash at the Federal Bankruptcy Court Clerk window to file three skeleton chapter XXXX cases without ever listing a single creditor. As I was not aware of the filings I never completed the documentation necessary and each was Dismissed and Closed without any creditors even notified. I was having financial difficulties at the time and would have utilized the filings to fix my status but as they were not filed by me I was unaware. 

I disputed this information with the three major Credit Reporting Agencies who of course violated the FCRA by not validating my concerns with the original credit furnisher but rather a third party not involved with this dispute. I was then recently told by law enforcement to file an affidavit with the Federal Trade Commission as a victim of identity theft during this non sensible event. 

XXXX XXXX XXXX XXXX case numbers XXXX, XXXX and XXXX are all completely bogus. No dollar amounts, nobody benefitted and only I have been harmed. I also had a direct conversation with the Clerk of the Court who stated he has never had a Credit Reporting Agency call to validate a case and that his court would never do that with a third party either. Please contact XXXX XXXX at XXXX as the Clerk to verify this info.

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 08-01-2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Billing statement

Complaint: Annual Detail Reports not available from Citi Bank Costco Visa for 2015. Citi Bank Visa will not provide complete data from the XXXX XXXX transfer for 2015. I have placed requests for a XXXX ( XXXX ) report for 2015 on numerous occasions and have yet to get an answer. They said they would have a supervisor call me back within 3 days, it is day 6 and never received a call. I called back and was on the phone for 50 minutes and was advised that once again, I would get a call from a supervisor in 3 days. No call as of yet. They are withholding vital information form their customers. I called XXXX XXXX and they advised me Citi Bank has all the information I need.

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 10/23/2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY).
Issue: Struggling to pay mortgage

Complaint: Dear CFPB : My client has been trying to sell her home in a short sale. She realized that letting the home go into foreclosure would result in her inability to obtain student loans for her children in the future, purchase a house in the future and would have a detrimental affect on her credit. Our office obtain offers on the property. The last offer was for {$750000.00} all cash deal which was denied. The bank did n't bother asking us for a counter and realty company was even willing to reduce their fee to allow this matter to close and avoid the foreclosure sale. The bank insist and is asking for {$850000.00}. Attached hereto is a mortgage statement my client was able to get her hands on. The payoff to the lender is {$710000.00}, why they did n't accept the {$750000.00} and are asking for {$850000.00} bewildering to my client and I. I am requesting an immediate investigation of this matter as the sale date is imminent. I apologize for waiting this long. However, the bank took months to give us a response.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MS).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Extended overdraft fees. Bank of America has been sued before for doing such things but still charge these fees to customers.

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 04-07-2018 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Trident Asset Management Original Creditor XXXX XXXX. XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX and I am disputing this debt because this debt is originally from XXXX established in XXXX, FL. In the state of Florida the statue of limitations has expired long ago, and this company keeps opening a new first reported date as in the letter I have enclosed this date states XX/XX/XXXX. The last time this creditor contacted me was XX/XX/XXXX which the time had expired then. I have wrote all three creditors continuously from XXXX, and the creditor still disputes even though you will see from my report XXXX  states that this does fall meets requirement of the Fair Credit Reporting Act this is a violation. Trident disputes the original date of XXXX because they know this is a violation. They continue to keep this on my report and that is why I am contacting you, they are trying to keep this on my credit now until XXXX and at that time they will just renew.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Bank account or service (Other bank product/service) with Comerica (WI).
Issue: Deposits and withdrawals

Complaint: us direct express allowed a international hacker to take {$100.00} of my debt card for a fake computer virus protection that I did not approve to take off my debt card I had them investigate they said they would n't give my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Credit card debt) with Velocity Portfolio Group (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I was no properly served with a summons, velocity investment & XXXX XXXX XXXX enter a affidavit for garnishment on XX/XX/XXXX WITHOUT ALLOWING ME TO DISPUTE THE DEBT OR VERICATION, THE WAY I FOUND OUT THERE WAS A PROBLEM XXXX THE PRIMARY ACCOUNT OWNER WENT TO XXXX XXXX THAT WAS WHEN THEY TOLD HER ACCOUNT WAS FROZEN ON XX/XX/XXXX.THEY ARE BREAKING THE LAW IN MANY WAYS GOING AROUND OUR BACK TO COLLECT ON A DEBT THAT I REQUEST FOR VERIFICATION, ATTACHED IS WHAT XXXX XXXX SEND TO ME ITS A TRIAL CALL ORDER ENTER FROM DIFFERENT  LAWYER ON XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with WELLS FARGO & COMPANY (FL).
Issue: Fraud or scam

Complaint: On Saturday XX/XX/XXXX I was in contact with a seller ( XXXX XXXX XXXX XXXX XXXX ) on XXXX. He was selling a transmission for a car. I tried several different way to pay for this item. XXXX was not working at the time and the seller suggested using XXXX stating that it was free and safe.I found that this app was a feature that appeared to be backed by my bank. All I had to do was log into my Wells Fargo App and click on a button that said send money with XXXX. I used this feature within my Wells Fargo app to send him a deposit of XXXX. Once he received that I sent him the remaining XXXX on the same day. This larger amount did not actually go through until XX/XX/XXXX according to the XXXX Activity Log. The seller was very active with talking to me and confirming my information and promising shipment as soon as the money was received. I have not heard from the seller since that day. I filed a claim with XXXX and they responded that they would not step in until XX/XX/XXXX. At that time they informed me that since I did not use XXXX they would not assist me. I requested that this seller be block and complaint be filed. I then called my bank Wells Fargo who told me that " I knowingly sent the money and they would not assist me either ''. I tried reaching out to them again since there has to be a way for them to do a take-back or a reversal of the money. They said there is nothing they can do even if I misspelled the email address that I was sending it to they would not be able to stop it. I did reply to a video that Wells Fargo posted about XXXX and how easy it was to use. This got someone from their social media account to reach out to me who did not assist me either. He just kept saying that it says in really fine print about liability and limitations. I am currently out XXXX I have all the emails back and forth with this seller and the confirmations from XXXX of the transfers. Neither XXXX or Wells Fargo will assist me.

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 09/23/2017 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XXXX XXXX, XXXX I checked my credit report and saw that ProCollect , Inc was reporting a past due amount for an apartment complex. I called to speak with a representative regarding a resolution on the account and possible deletion from my credit due to I never received a notice regarding this balance. The representative was not willing to work with me regarding settling this debt but kept demanding I pay the balance in full and they would not remove from my credit. I requested to speak to a supervisor and she was very rude, unwilling to help, and very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Mortgage (Other mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have XXXX issues with Equity Accelerator program offered by LoanCare : Issue # 1 : I closed my account with LoanCare on XX/XX/2016 ( see first enclosed letter ). When I closed my account, there was a remaining account balance of {$3200.00}. According to a LoanCare customer service representative, a check for this amount was mailed to me on XX/XX/2016. The customer service representative said the check should arrive in 7-10 business days. It has been over 10 business days, and I have not received the check. I contacted LoanCare again on XX/XX/XXXX to ask for a status on my check. The customer service representative said I should wait for two more days, and that she would contact me to verify that I received my check. She never called back and I did n't receive the check. I contacted LoanCare again on XX/XX/XXXX. This time I was told to call back on Friday, XX/XX/XXXX and request to be reimbursed one more time. 
In the meantime, I have a mortgage payment due on XX/XX/XXXX and was planning on using the reimbursement check from LoanCare to pay my mortgage. I 'm running out of time. Can you help me please? 
Issue # 2 : According to an LoanCare customer service representative, a check was mailed to me on XX/XX/XXXX and then again on XX/XX/XXXX for an agreement reached between XXXX XXXX and the Consumer Financial Protection Bureau ( CFPB ) regarding unfair/misleading practices ( see second enclosed letter ). I never received this check. I sent an e-mail to the LoanCare Redress Administrator and received a response that it 's too late to receive this check and that I should contact the CFPB.

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 08/20/2015 about Debt collection (I do not know) with Kross, Lieberman & Stone, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this acct is fraudulent and is a result from identity theft and the company is reporting this to the credit bureaus as well as has an open acct that needs to be closed with their company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Other debt) with Systematic National Collection, Inc. (GA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: On Friday, XXXX XXXX 2017 I received a call as I was completing my work day and preparing to head home. The caller identified himself as XXXX from Systematic National. He stated the bill about which he was calling and, as I was not willing  in that moment to divert my attention to the call, I asked him to call me back another day. 

From that point on, XXXX proceeded to badger me about how often they had called before and got no answer, and how difficult it had been to reach me. When I attempted again to ask him to call me on another day, he interrupted me -- in an exceptionally belligerent tone, I might add -- saying, " I do n't think you really want to pay this bill. '' Perceiving his confrontational attitude, I began to state my intent not to argue with him, but XXXX interrupted me again : " I do n't think you really want to pay this bill. If you do n't want to pay the bill, XXXX XXXX, just say so, '' he huffed. Then he hung up. For clarity, I will repeat. XXXX CALLED ME, berated me in his stated belief that I did n't actually want to pay the bill about which he was calling, and then HE hung up on ME. 

So what was the point? And further, I do n't care how much money I owe whoever, rudeness and disrespect are never in order. I afforded XXXX the same respect and professionalism I expect for myself. If this company and this representative are unwilling to do likewise, I am formally requesting they not contact me again EVER.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: Hi, my servicer NATIONSTAR MORTGAGE, LLC is violating my California Home Owners Bill of Rights and other laws and are making fraudulent foreclosure sale on my property. I have been approved for a loan modification with NATIONSTAR MORTGAGE, LLC and have paid them for the Loan Modification Trial Period Payments and they are still placing my home under foreclosure sale scheduled for XX/XX/2017. How are they allowing this fraud to happen. Or are they trying to get what they can out of me and sell my home. Seems like they want to take my trial period payments and not give me a loan modification after. Why would they place my home under foreclosure while Im still in the trial period payment process? I want to work with them and have been for a very long time. After a couple years of working and trying to get a loan modification finally Nationstar Mortgage approved me for a Trial Period Payment Plan. We were very happy to finally see a Trial Period Plan and we were happy to move forward. Our First payment had to be made on XXXX XXXX 2017. I agreed to the Trial Period Payments and sent out my first payment of {$1400.00} to Nationstar Mortgage on XXXX XXXX, 2017 and was delivered on XXXX XXXX, 2017 which they accepted and everything was ok. Next month I sent out the second Trial Period Payment of {$1400.00} to Nationstar Mortgage on XXXX XXXX, 2017 and was delivered on XXXX XXXX, 2017 which they accepted and everything was ok as well. But after making those two payments I received letter in the mail saying that my Loan Modification was denied due to not making the Trial Period Payments. How can this be that after making two payments which they cashed they now are saying that I did not make any payments? I have proof of these payments and now they have placed my home for sale on foreclosure auction set for XXXX XXXX, 2017 ( XX/XX/2017 ). They are clearly in violation of the California Homeowners Bill of Rightsand other laws as well.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are two hard inquires which I have never inquired. Because of this, my credit scores decrease 44. 
I have called XXXX credit report compant. As per they said, I need to call directly in order for me dispute. However, there is no information to contact them and I have never authorized these two companies.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Claiming i owe {$1500.00} for a {$250.00} payday loan from ace cash express, When i asked for proof of debt, they told me they did not have to provide that information, when i asked them their address, business phone, company 's legal name, permit number or anything proving who they were or what debt i was owed, they told me they did not have to provide that information and that i wold go to jail for fraud if i did not give them {$500.00} over the phone. I asked again for proof of debt ad was told no to just send money or i was going to jail. They have called me and told me they are lawyers and part of an arbitration team, today i was called and told they were from my XXXX office, when i called my XXXX office, instead of the XXXX number they left me, they had never heard of the people involved. So far other than XXXX phone message, where they left an XXXX number i have not been able to get any information i requested about this debt. THey have asked me for my address which i did not give, if they had my file they should have that information, and a payment. i have googled the XXXX number XXXX, and XXXX and they both show up as scammer numbers

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: DEBT COLLECTOR has not notified the CONSUMER that such negative/unproven information was placed on CONSUMER 'S credit reports. DEBT COLLECTOR has neither furnished any paperwork showing from what original creditor this alleged debt comes from ; how the alleged debt was purchased ( or was legally assigned collection authority ), nor how it calculated the amount ( s ) that appear on CONSUMER 'S credit reports, per Section 803 of the FDCPA. Furthermore, it is beyond the CONSUMER how an account can appear as both 'open ' and 'closed ', with conflicting amounts displayed. This account also appears to be re-aged in an attempt to keep negative information on CONSUMER 'S credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2017 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (PA).
Issue: Account opening, closing, or management

Complaint: I opened a new HSBC account on XX/XX/XXXX in response to their offering a {$350.00} signup bonus ( proof attached ). I fulfilled all terms of the signup bonus, but did not receive the bonus. 

After escalating with customer service, they told me I did not qualify because I had an open account during the time ( attached ). However, the terms clearly state only customers with an open account between XX/XX/XXXX and XX/XX/XXXX are not eligible ( proof attached ). 

My previous HSBC checking account was closed on XX/XX/XXXX. This means I am eligible. 

HSBC has failed to abide by their own terms and did not award me my bonus that I am fully qualified for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/21/2017 about Prepaid card (ID prepaid card) with CARD Corporation (FL).
Issue: Unauthorized transactions/trans. issues

Complaint: On  XXXX   XXXX  I noticed that the money that should be available I my card.com prepaid card was not, went to my tablet, logged on and noticed a whole bunch of charges that were not made by me. I immediately cancelled my card, and submitted a dispute for the charges I did n't make. The charges totaled up at {$530.00} and being a single mom, I can not afford to take a loss that substantial. After waiting a month to hear back from card.com, they not only did n't give me my money back for the unauthorized charges, they re-charged me for  one  of those unauthorized charges. I was sooooo angry, so I started calling the merchants to try to fix my problem from their end and much to my surprise EVERY  one  of those merchants told me that they had already refunded the claim and that I should call my card company. Well I did and not only did they avoid the questions of where is the money now? If you submitted a charge back to the merchant and then was refunded by the merchants, but was n't given to me, whom it belongs to ... where is my money now? The supervisor hung up on me. And now when I call, I ca n't get a live person on the phone. I enter the info they tell me to enter I my touch pad and the automated system sends me in circles until it hangs up on me. Help ... I ca n't believe I was robbed and  XXXX  is n't standing behind their word of taking care of me ... I REALLY needed that money and they are screwing me out of it.

Company response to consumer: Closed with explanation