milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-07-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In accordance to FCRA Section 609, these accounts was further disputed in XX/XX/2017. XXXX did not respond to initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and these XXXX accounts to XXXX credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XX/XX/2017 and past 60 days when these accounts were initially disputed. XXXX XXXX has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. In addition, XXXX XXXX, Equifax, XXXX and XXXX received certified letters requesting validation on this inaccurate report. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed these accounts on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one. I feel that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition on XX/XX/2017. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. I have also provided proof that they received the letters which was sent certified mail over 3 times to the credit reporting agencies and XXXX XXXX. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. If they were sure they belonged to me, why is it so difficult for them to provide proof that this account is mine, I would like documentation with my signature, and receipts. This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from XXXX XXXX with filing legal suit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Fraud or scam

Complaint: I used the XXXX through my Bank of America XXXX app. to send {$1000.00} to a person for tickets to a basketball game. The person never sent the tickets and did not respond to my numerous emails/texts/phone calls. 

XXXX had no protection and stated not use XXXX if you do not know the person. 

Bank of America said they could not do anything since I authorized the transaction and it was posted. 

Why is XXXX and BofA allowed to have a transfer service with no consumer protections for scams? XXXX  XXXX  and XXXX have means of getting money back if a consumer was scammed. Further, why is BofA forcing its customers to use XXXX to transfer funds? The consumer should have a choice especially given that XXXX has no protection if a person is scammed.

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 06-03-2017 about Debt collection (Medical debt) with ProCollect, Inc (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In XXXX XXXX, I had a hospital stay at XXXX Hospital in XXXX. A couple of years later I received a collection notice from Pro Collect. I called them because I had no idea what it was for - just an amount & please pay. I told the rep this was the first I had heard of any past due amount & why am I just learning of this now, two years after the fact. I am covered by two insurance companies - I had received no notice of any amount not paid. I was told they had taken over for the previous collector because " they had dropped the ball ''. I told them I would need verification of the amounts and had no plans to pay because they said so. I never received any verification, just continued phone calls & the promise that verification would come.
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I should note I worked as a XXXX XXXX for the XXXX XXXX during that time & many many people came in to mail certified letters to this company disputing their claims - all from XXXX XXXX as the provider. Same story as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX sold our home loan to someone else. When we went for a meeting with XXXX ; they did not inform us that our mortgage had been sold. The company handling the loan ; Select Portfolio has now been threatening us with foreclose after their representative told us not to pay during the re-fi procedure.. We did n't. 
Now ; I am receiving foreclosure notices. My XXXX XXXX XXXX mother moved in last year after breaking her hip. This is unacceptable to me. The house is falling apart. We have no where to move. Our business is now located in our house. Wish I could call it a home. However ; the people at XXXX are not only deceptive. They are n't helpful in the least.We do n't know what to do at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX PUT A FORECLOSURE ON M, Y CREDIT REPORT FOR THE WRONG DOLLAR AMOUNT WHILE IN LOAN MODIFICATION WICH STOIPPED ME FROM GETTING REFINANCIMNG ]

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Mortgage (Conventional home mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (MD).
Issue: Closing on a mortgage

Complaint: I tried to refinance an existing mortgage with Santander Bank for a new mortgage with Santander Bank. I got my loan estimate on XXXX/XXXX/XXXX. I was told the process would be done by mid-XX/XX/XXXXat the latest. Due to some unexpected repairs of {$2000.00} each, as well as the fact I WAS ASSURED ON MULTIPLE OCCASIONS THAT THIS THING WOULD CLOSE BY MID-XX/XX/XXXX I stopped making mortgage payments on the original mortgage. Then, in mid-XX/XX/XXXXSantander reported negative information on this loan to all the credit agencies, thereby, ruining my credit and making it impossible for me to start the refinance process over at another bank. Then Santander 's collections department began calling me and threatening foreclosure, as well as mailings. I called and left messages with Santander When is the closing? Now I was assured just 1 more step, all is good, and we will close on XX/XX/XXXX. On XX/XX/XXXX I would get a call from the title company. No call on XX/XX/XXXX, I called title company, they said I was not cleared to close. I call/e-mail Santander again and it turns out the subordination request is not completed, but again, no problem should be done in 24 to 48 hours. Nothing happens over the Holidays. Now I am told the closing is scheduled for XX/XX/XXXX No closing happens. I call the Santander Consumer credit department and they say they need the original of a signed document from me and my wife and this normally takes 2 to 3 weeks. I put in a rush request with that department and spend {$25.00} dollars to overnight the original signatures on the document to this department, all the while trying to explain that, no, I am not an employee I am the customer trying to close on a loan before they foreclose on me. I am told on XX/XX/XXXX ( 71 days after the original loan estimate and agreement to proceed with this, 55 days after the appraisal was done and 42 days after I was assured this thing would close ) that " there is a problem ''. I then send an e-mail expressing my displeasure with all of this and am told the next day ( XX/XX/XXXX ) that, maybe, if we are lucky, the underwriters will approve the loan as long as I bring {$5500.00} to the closing table. I express my displeasure at being treated like that and am told the boss of the employee will call me later in the day. No call. Santander bank employees have lied to me all along the way and been dishonest. I have repeatedly done their jobs and tried to push the process along as best as I could. I wonder many things including but not limited to : Did n't the interest rate lock expire on XX/XX/XXXX? Why did I get a second loan estimate dated XX/XX/XXXX? Why am I repeatedly faxing the same documents over and over again? Why am I doing other peoples jobs? Unacceptable and probably illegal. My lawyer is looking into this.

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 08/25/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (GA).
Issue: Settlement process and costs

Complaint: On XXXX XXXX,2015 I had a house fire in XXXX room of the existing house contain to XXXX room of the house not the mobile home that is mortgaged to Greentree. 
The insurance company paid off the fire but the check was made out to myself and Green Tree I was told to send the check for their endorsement in doing so they kept the check requesting different documents after submitting everything I thought they asked for they have yet to send me anything to complete the repairs with. I had a friend helping me with the repairs but he got a job and had too stop so I have done the job myself with donations and love offerings for family and friends and have explained this to them, now they want the contractor number and all sorts of things but have not release any of the funds. They did send back the money I paid the guy for helping and the little I paid for the supplies I was able to buy but, nothing since then I have tried on several occasions to speak with someone from the claims dept. when they 're not being rude they put me on hold then hang up and wo n't answer the phone anymore

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problems caused by my funds being low

Complaint: TD BANK AND IM SURE OTHER BANKS ARE BEING VERY FRAUDULENT IN CHARGING OVERDRAFT FEES by manipulating posting transactions time and date online. I monitored my account, posted a transaction earlier in the day, it posted the money was taken out of my account because there was sufficient funds in my account at the time. Later at night or the next day, they post their monthly bank fees and then return my previously paid bill as returned charge and charges me overdraft fee, AND THIS IS IRRESPECTIVE OF THE FACT THAT MY DIRECT DEPOSIT PAYCHECK POSTS THESAME DAY AS THE DAY I WAS CHARGED THEIR MONTHLY BANK FEES ... .THIS IS SO FRAUDULENT ... .NEWS AGENCIES AND THE PUBLIC should be notified if cfpb wont protect American citizens and the little guys from the greed and crimminality ofctbe big guys. Pls fix this and REFUND US THE ILLEGALLY FRAUDULENTLY MANIPULATEDLY-CHARGED OVERDRAFT FEES.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (OK).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I purchased flowers for my wife on XX/XX/XXXX for delivery on XX/XX/XXXX via the internet for a delivery in XXXX, Ok. on XX/XX/XXXX. I charged {$79.00} to my XXXX XXXX XXXX XXXX XXXX card. These flowers were never delivered to my wife. I contacted the dispute department on XX/XX/XXXX explaining these details to them with a follow up forwarding them the purchase order I printed from the web sight indicating delivery on XX/XX/XXXX. I received a letter from an individual named XXXX XXXX Card member Service, indicating they would not reverse the charges because I didn't cancel the charges or return the merchandise. 

I followed this up with 2 phone calls to XXXX XXXX and a supervisor by the name of XXXX employee # XXXX that their was no merchandise to return because no merchandise was ever received. They refused to reverse the charges. 

My case # with XXXX XXXX is XXXX Please help. 

My name is XXXX XXXX XXXX XXXX XXXX XXXX, Ok. XXXX Phone # 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 non-monetary relief
Consumer complaint received 07/27/2016 about Credit card () with BARCLAYS BANK DELAWARE (NC).
Issue: Delinquent account

Complaint: An account held with Barclays Bank Delaware is currently reporting to the CRAs. The information furnished is grossly inaccurate. A number of direct disputes were made with both the CRAs and the Creditor. The responses have been off topic. At present, it seems as though Barclays Bank DE is in violation of the Furnisher Rule 660.4 ( a ) ( e ). A dispute exists in regards to the terms, high balance, payment dates, closure date, incorrect account number, and others. This information affects my creditworthiness, credit standing, credit capacity, character, general reputation, and lifestyle. Asked of Barclays what that the tradeline be updated or deleted. The dispute made was not found to be frivolous or irrelevant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Problems caused by my funds being low

Complaint: We had a checkbook stolen from a desk at work. Several checks were written by the thief to " Account Holder '' and were cashed. A freeze was placed on our account at Bank of America. To freeze the account, they put a {$880000.00} charge on the account causing us to be overdrawn by over {$800000.00}. We called on XXXX XXXX to report the issue. I sat on hold for over an hour. I spoke with someone who looked at the account and could not figure out who/what placed the hold on our account. He then said he had to transfer me to " Check Fraud '' ( which was who I thought I was calling in the first place ). I waited on hold for 30 more minutes and no one answered. My husband, at this same time, stopped at a Bank of America branch. The branch manager tried to help by opening a new account for us. But, he was not allowed to transfer OUR money to the new account and close the old one because of the " Freeze ''. He called the " Check Fraud '' department and sat on hold for over an hour, himself. My husband had to go back to work, so they gave up. We called back again last night and waited on hold for over 90 minutes ( all call logs will be attached to this message ). This morning ( XXXX XXXX ) I am seeing MORE fraudulent/stolen checks clearing our account. I have been on hold, so far, for 18 minutes as I write this complaint. No answer. We have no access to bill pay, automatic payments, nothing. We are being treated like the criminals in this situation with no lifeline from the bank. If you 're going to freeze assets in an account, you had better have someone available to assist as soon as I call the first time. The fact that we ca n't reach ANYONE who can investigate and make us whole after the bank allowed a stranger to cash checks is a crime in and of itself. My next call is to a local news station. I want access to my money so I can close the accounts and move all business to my credit union. As of right now, a criminal has access to all the money he needs from my account, but I ca n't have access?!

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 09/22/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I tried to obtain my free annual credit report on annualcredit.com and was asked questions about a mortgage and credit cards that are n't mine and was denied my online credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Capital One is blocking me from enabling external applications such as " XXXX ''. I need access to my financial data.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Debt collection (I do not know) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX ( a 3rd party debt collector ) continues to call my girlfriend ( on her mobile phone ) during work hours.The collection agency has been told more than 4 times to not call her. It has been made very clear that she has no relation to the accused debt. The collection company has shared that it is a an attempt to collect a debt with my girlfriend. The debt collector refuse to call me directly so i can dispute the charge, but calls my girlfriend repeatedly instead.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: I called back around XX/XX/XXXX to cancel my Citi credit card. I called and cancelled before the {$450.00} fee was due. When i called they told me since i called before the fee was due they would credit the fee and i wouldnt owe anything. Well instead of doing that they left the fee on there and started charging me late fees every month on something that I dont even owe. I know i should have logged back on my account and checked it but I had just figured it would all be taken care of. Now citi has sent that account to collections and it has been at collections for over a month and they refuse to look into it and refund me the fees. I think the whole thing is pretty XXXX. I always pay my bills on time and they can even tell you i NEVER had a late payment. No because they did this my credit is ruined and my credit score has dropped over XXXX points. I would like for them to fix their mistake and give me an apology and contact the credit bureaus and get it straitened out with them so my credit score goes back to where it should be and it doesnt show i have an excessively late payments on there. This whole thing is really frustrating and the fact they wont talk with me and fix their mistake really XXXX. Also either the credit card company or the collection agency owes me a little over XXXX dollars in refund that i still have yet to see from either of them. Since i no longer have that card anymore i am not sure of my full account number but i believe it ends in 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 02/26/2016 about Credit card () with FIRST NATIONAL BANK OF OMAHA (GA).
Issue: Billing disputes

Complaint: First BankCard ( XXXX XXXX issued Visa Credit Card ) emailed me my credit card statement for payment due on XXXX XXXX, 2016 of which i immediately as i always do send payment of {$230.00} ( above required payment ) through XXXX XXXX XXXX Billpay. The payment reached and was posted to First Bankcard on XXXX/XXXX/2016. On XXXX/XXXX/2016 I received another emailed statement stating my payment had not been posted. I generated a payment history on my XXXX XXXX XXXX bill pay and shows my payment was indeed paid and posted to First Bankcard on XXXX/XXXX/2016. I received yet another emailed statement on XXXX/XXXX/2016 stating my payment due was doubled to {$460.00} and my prior payment had not been posted and the new payment was due XXXX/XXXX/2016. Now i am considered delinquent. I contacted First BankCard on XXXX/XXXX/2016 at XXXX am eastern time and explained they were misleading their cardholders. Is what they did is emailed me a statement on XXXX/XXXX/2016 with payment due date of XXXX/XXXX/2016 but make their statement cycle end date of XXXX/XXXX/2016. So when i made my payment and it posted on XXXX/XXXX/2016 First bankcard employee stating my payment was posted to principal for the prior month cycle before XXXX/XXXX/2016 ( XXXX/XXXX/2016 new cycle starting ). So now since i am thinking my payment was posted and not worried about it until the following month they did not post my payment to the new cycle causing me to believe it was paid and misleading their cardholders. That small time gap makes people think their payments are posted to the new billing cycle but are fooled when the cycle actually starts days later and the payment is posted hours or days earlier. I want any negative comments posted to my credit removed and i want First Bankcard to remove any notations of me paying my bills late within their system which could jeopardize my low fixed credit card interest rate with first bankcard. remove any late fees also to my account.

Company response to consumer: Closed with explanation