milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: To whom it may concern : I have several collections on file from collection agengy XXXX XXXX XXXX. ( account number ) XXXX on XXXX report and account number XXXX on my XXXX report. Please be adviced that I am disputing these collection accounts due to the fact that XXXX XXXX XXXX which utilizes XXXX XXXX Resurgent Capital Services, located at XXXX XXXX XXXX XXXX, S.C XXXX, does not currently have a license in the state of ILLINOIS to collect debts. The State of Illinois ] Department of Financial & Professional Regulation websites does not contain licensing verification for this " collection agency ''. I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide physical proof that XXXX XXXX XXXX is in fact licensed to collect in Illinois. Your immediate response will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: My parents set-up a trust account 3 yrs ago due to health issues and to make it easier for my brother & I to have access to their financial accounts once they passed away. They listed me as the first trustee and my brother as successor trustee. Chase Bank is making us work to get to the money. Here are some of the things that have happened : 1 ) Chase lost the form that my Mom signed listing my brother & I as the beneficiaries of one of her accounts - we had to hire Mom 's attorney to do additional paperwork at a cost of {$500.00} to get the account moved into the trust so we can access it ; 2 ) I was asked to create a NEW trust account with my name, SSN, and Federal EIN number in order for Chase to move the old trust funds into the new trust account ; 3 ) Now I am being told that I have to create another trust account because they are unable to move the original trust funds into the newly created trust fund ( different EIN and SSN numbers is the excuse ) ; 4 ) the trust account was frozen after my Mom passed away but when we needed to access funds, they were able to unfreeze the account but then the problem with getting some funds was that " someone '' had started reinvesting the money. This was odd because we were told that XXXX was the person in charge of Mom 's account. We had n't authorized any reinvestment of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (NJ).
Issue: Managing the loan or lease

Complaint: I tendered instrument to satisfy my loan on two occasions verified my USPS mailed and delivered the payment Spoke with HYUNDAI and confirmed they will track my payment and removed repo They refused to send anything in writting They stated it 's against their companies policy to provide " communication '' via mail. 

This morning someone came onto my private property and stole my vehicle. Left no identification nor did they leave any paperwork. 

I called Hyundai and they said I was a debtor and not a creditor. They also stated that they did not receive the payment which was a lie. They said take it up with the post office ... 

ACCORDING TO THE 9-102. : 3 ) " Account debtor '' means a person obligated on an account, chattel paper, or general intangible. The term does not include persons obligated to pay a negotiable instrument, even if the instrument constitutes part of chattel paper. 


( 28 ) " Debtor '' means : ( A ) a person having an interest, other than a security interest or other lien, in the collateral, whether or not the person is an obligor ; ( B ) a seller of accounts, chattel paper, payment intangibles, or promissory notes ; or ( C ) a consignee.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAINE & WEINER COMPANY, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: CAINE & WEINER XXXX INSURANCE XXXX XXXX, XXXX Original Balance {$410.00} Past Due Amount {$360.00} Account is not past due and the company stated they would not place in collections once an agreement was made.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Problem with fraud alerts or security freezes

Complaint: Step 1 : What is this complaint about? 

This complaint is in regards to the XXXX data breach, but specifically with the way that credit freezes are being handled. 

Step 2 : What type of problem are you having?
Being as this will be something that impacts someone who has had their information stolen for the rest of their life, it seems a bit silly/wild to myself that we are expected to pay for a credit freeze to try and help prevent any further damage that has been inflicted upon us as is.
Step 3 : What happened? 

All but XXXX are currently charging for a credit freeze. While I realize that the other credit reporting agencies did not have any fault in this situation, it would seem to be the right thing to do to help those in this situation.
Step 4 : What company is this complaint about?
All three credit reporting agencies Step 5 : Who are the people involved?
Myself, and anyone else impacted in this data breach.

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 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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 disputed several negative several negative accounts on my TransUnion report asking that they be deleted because they I have not been provided with the original documentation with my signature on it.The following accounts are : XXXX XXXX XXXX acct num : XXXX XXXX XXXX acct num : XXXX XXXX XXXX XXXX acct num : 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 02-09-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Problems caused by my funds being low

Complaint: Chase is charging me overdraft fees for debit card items when I opted out of overdraft coverage. My card should be declining for these purchases ( XXXX XXXX, XXXX, and XXXX ( XXXX ). I have been charged overdraft fees because Chase allowed these to go through when I did not have funds available. Other banks such as XXXX, deny these transactions by card as they should when card transactions attempt to come through when funds are not available. This is very unfair of Chase to allow these to post instead of doing a normal card decline with no fee. I could see if these were ACH transactions, but not card transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/17/2017 about Credit card or prepaid card (General-purpose prepaid card) with Blackhawk Network Holdings Inc. (TN).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: I purchased a pre-paid debit card from giftcards.com ( part of the Blackhawk Network ) on XXXX  loaded with {$500.00}. On X/X/2017, I took the card to XXXX and used it to pay a bill. The bill was for {$5000.00}, so I had to split the payment. The bill pay did n't go through due to a technical issue, and the full amount was refunded to the pre-paid debit. I tried to use the card several days later after the amount showed up on the card ( per giftcards.com 's online balance checker ), but it was declined. I called customer service on X/X/2017 to see why this happened, and they told me that they would look into the incident ( ticket number XXXX ) and get back to me in one to two business days. I called giftcards.com again on X/XX/2017 to inquire about the status, and was told that they had stopped working on the ticket, but did n't tell me. I spoke to several people including the supervisor, and they repeatedly told me to resolve it with XXXX, even while admitting that they were holding my money - XXXX does not have it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-12-2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (MN).
Issue: Received a loan you didn't apply for

Complaint: this loan company is sending me preapproved loan offers to an address where i do not live at and is not my mailing address. i am getting in trouble by the home owner of that address because of this. i 've never applied for a loan with company. i 've never put this address down as my address. so i do n't know where this loan company is getting their information from.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My credit reporting information was improperly shared without my consent by Equifax due to a technological oversight which lead to perpetrators being granted access to credit data. This includes my social security number, date of birth, home address, credit card numbers, and social security numbers. 

Not only was my information improperly shared, the fact that it had been shared was concealed for over one month.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I am refinancing my home and I contacted WellsFargo on two separate occasions and have requested a loan payoff.First in XXXX of 2016 when I called I was told that they would have to fax me that info due to the fact that I had done a loan modification and I that I wanted to make sure that that modification was included in my payoff amount that they sent me.That was on a Friday and I said that was fine. When I returned to work on Monday the payoff quote was on my fax machine. I have attached a copy. I did not get to close on my refinance loan. I again contact them and ask for another payoff quote and asked that they again fax it to me, at this time I ask to make sure that the loan modification be included in my payoff and I was told it would be. I go to my banker on Thursday XX/XX/2016 and he has order a title search and finds that I have a second lien on my property, I do agree that I did the loan modification and I do agree that I was told that there would be a second lien on my property.However, when I asked specific questions to WellsFargo if that amount would be included in my loan payoff I was was told yes 2 separate times by WellsFargo employees that it would be included. When me and my banker that is doing my refinance called them on XXXX XXXX 2016 is when we was told that I would have to contact HUD for that payoff. My complaint is that if this information was in my account all this time why did no one tell me until now? A supervisor named XXXX XXXX then goes to tell me that she is n't sure why they would n't have give me this information as to why I specifically asked for it. Now this has been turned over to a XXXX with WellsFargo she has just informed me that there is nothing that they can do. I think this XXXX unfair and misleading information that I have been provided by WellsFargo.

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 02/25/2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I few days ago a person from HSBC came to my home and I already star receiving letters of foreclose ans short-sale. 
HSBC is my mortgage company for over 10 years, since I acquired the loan I was never late before, but in XXXX my financial situation change due to my Mother XXXX done, I had to be out from work to take care her, my bills start accumulating since I was not getting pay the same. I got behind on the payments so I requested a loan modification to help me but the denied my application. I am the only person that works in my household. I appealed the decision but it was denied again without a valid reason. Moreover, they asked me to do a short-sale, I do want to lose my home. I asking the to check that I have special rider that is on my mortgage where states that the interest rate was reducing every year a 0.25 % at the anniversary of the loan since the inception of the loan in 2004. I am requesting to adjust the mortgage payment to the 4.3 % which it is my actual interest rate now, from the 7.50 % original when i got the loan. my mortgage payment never change I still owe {$89.00} and I pay XXXX monthly for the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Debt collection (I do not know) with Bison Recovery Group, Inc. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calling me at work XXXX XXXX XXXX I do n't know who they are XXXX XXXX XXXX XXXX XXXX XXXX kept calling my work. I 'm not allowed to get personal call at work

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (IL).
Issue: Account opening, closing, or management

Complaint: Today is the sixth time I have tried to access my safety deposit box at this US Bank location ( XXXX XXXX XXXX, XXXX XXXX IL XXXX ). I have been successful in accessing my box XXXX attempts. The staff states they are unable to access the vault, ( that was the reason today why I was not allowed to access my box ) but other employees of the bank have stated that is not true and the vault was working. 
Also, the one time I successfully ( XXXX XXXX, 2016 ) accessed my deposit box the employee stated, " let 's not fill out the paperwork if you 're going to be quick '' and did not check my ID or fill out the required form to access my box. I believe there is possible fraud happening at this bank and employees may be accessing safety deposit boxes without consent or knowledge of box owners. I am attempting to empty my safety deposit box at this time but am not being allowed access to it.

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 12/16/2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In 2010, a rental car company in XXXX charged my credit card for a deposit against damages at XXXX rate of exchange and then debited my credit card at a different rate pocketing the difference. I attempted to resolve this with the merchant but to no avail ; when I disputed this with the credit card I was stonewalled, my written letters were ignored, and after repeated attempts to discuss with them ( XXXX XXXX ), I closed the account having paid all that was owed except for the disputed amount. I now find that despite my otherwise excellent credit rating, my FICO score is being dragged down and inexplicably affecting my insurance premiums. 
At the insistence of the credit card company, all dispute processing was done on line, therefore little supporting evidence is available. However, I am attaching the final letter that I wrote them concerning the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In XX/XX/XXXX, I called XXXX to pay all balances in full through phone, and the XXXX representative agreed and confirmed that the account was CURRENT. Then, I requested the account to be closed. 

Upon checking my annual credit report on XX/XX/XXXX from the XXXX credit reporting agencies : Experian, XXXX, and XXXX, I have found that my credit reports showed my closed XXXX account was " 30 days past due ''. 

On XX/XX/XXXX, I wrote a letter to XXXX and requested an investigation to resolve the issue. In the letter, I provided XXXX with full name and account number. 

On XX/XX/XXXX, XXXX wrote me a letter to request me to send XXXX the full card number which I did not have because I already destroyed the card when I closed the account. 

On XX/XX/XXXX, I wrote a letter to XXXX to explain them that I no longer possessed the card and therefore was unable to provide the card number. However, I gave them my social security number and date of birth including the full account number, and requested XXXX to investigate. 

On XX/XX/XXXX, XXXX responded in a letter stating " Our records indicate that the information appearing on your credit report is correct '' without providing any physical evidence and detail how XXXX came to that conclusion. 

I do not agree XXXX conclusion without providing any physical evidence to prove that the payment was late in XX/XX/XXXX. Furthermore, I do not agree with XXXX tactics to delay the investigation by requesting the information that was already provided such as account number. 

Since XXXX is not able to provide any physical evidence that the payment was late in XX/XX/XXXX, I request XXXX to notify the XXXX credit reporting agencies : Experian, XXXX, and XXXX to remove or delete the negative item on my credit report.

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 11/23/2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Bankruptcy

Complaint: This is more of a request than compliant. I would respectfully request that Macy 's lower my interest rate on my account, and my hours have been cut making my budget extremely tight. If they can agree to lowering the interest to 5 % I can more estimate a balance of zero within 8 months. I hope they will give this strong consideration and I have been a loyal customer for a number of years and have not charged anything to the account in the past 6 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In  XXXX  there was a vehicle loan taken out through  XXXX   XXXX  that involves my name and my data birth I 'm not sure if the other identifying factors are associated with it it appears on my credit report I have tried on a number of occasions monthly since  XXXX  when I found out about this vehicle loan to get it removed and find out information about it I have yet to receive any information from  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have  XXXX  state tax liens that have been satisfied and released by the state for several years that are still showing on my credit reports for all  XXXX  agencies.   The first was filed on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   The second was filed on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   The third was field on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   I disputed these liens on all  XXXX  credit reporting agencies, and they verified them with  XXXX  he county clerk, but did not remove them, stating they are reporting as verified.

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 01-08-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: Date I sent wire : XXXX XXXX, 2017 Amount sent {$20000.00} Wire transaction # XXXX Fed ID # XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX The told me a few days later it was reversed and sent an email stating so and that I should receive it back in my account with 14 days due to delays. It has been over a month and the money is not in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Vehicle loan or lease (Lease) with VW Credit (NY).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: ACCT # : XXXX Car 's XXXX # : XXXX About a year later after returning the lease, and getting a new lease with the same company " Volkswagen credit '' I received a " Turn-in invoce '' charging me {$800.00} dollars. As soon as I received this invoice, I called them to explained to them, that 6 months prior to this letter, Volkswagen Credit had sent me another letter, letting me know, that the account HAD BEEN PAID IN FULL, and no other fees were needed. 

In addition, they had already updated the balance to {$0.00} on my credit report, as well as to the status of " Paid and closed '' They explained to me, that the had sent me the " PAID IN FULL LETTER '' by mistake, and prior to them re-selling the car. I told them, that it was n't my fault, and that they are in violation of the Uniform Commercial Code, by charging me this fees, 1 year after returning the car back to them, and after I had already received a letter from Volkswagen Credit stating that I owed anything at all. 

Volkswagen credit told me that, they can not do anything but to charge me % 50 of the turn-in invoice, as a courtesy. However, i refused to because, they had already sent me a PAID IN FULL letter. This is not fair. 

I had sent letters after that, without any response from them, I had called many times without response either. I have been leasing cars from them for more than 5 years now without being late once! This is not a good way to treat a loyal buyer.

Company response to consumer: Closed with monetary relief