milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-05-2016 about Debt collection (I do not know) with Dyck-O'Neal, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is connected to previous complaint submitted on XXXX XXXX, 2015, case # : XXXX. In the previous complaint, I stated XXXX XXXX claims that I owe him money on a debt. I do not owe him any money. After he was contacted XXXX, he sent me a letter stating he was attempting to make a collection on behalf of XXXX XXXX XXXX in XXXX XXXX, XXXX. I contacted XXXX XXXX XXXX around XXXX XXXX, 2015 and inquired about any debt I may have owed them. XXXX XXXX XXXX performed what they called a " thorough check '' and did not find any thing that indicated that I owed them money ; that there was NOTHING NEGATIVE AT ALL on my account/record with the credit union. I was told by XXXX XXXX XXXX that they could only conclude that I was being scamed, as they had no connection with anyone named Dyke O'Neal. 

If this is true, why is this man contacting me? He is sending mail to me suggesting that he is willing to settle for a lesser amount to collect the debt in an effort to assist me. I have no intention of giving this man any money and would like to have assistance in getting him to leave me and my family alone. As I stated in the previous complaint, he has been calling my family members as well. 

Additionally, since I made the initial complaint, I have been gettig even more calls with a XXXX area code from Missouri. I get these calls all hours of the night and the day and they are coming over my cell phone which also has a XXXX area code from Missouri. I do not believe this is a coincidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX sent me XXXX cancellation of debt notice for a charge off account in 2012. The XXXX forced me to claim this as income on my 2012 taxes which i was penalized for on my tax return for that year. Now on my credit report XXXX XXXX has continued to report a balance, past due balance and a status of this account as an open charged - off. This seems to me that XXXX is trying to collect on an account that has already been resolved. This account is about to be removed from my credit report in XX/XX/XXXX/ XX/XX/XXXX but I still feel the need to file a complaint because they have never responded to any of my disputes. The credit reporting agencies have allowed XXXX to keep my account in disputes past the 45 days that a required response is needed. Further more XXXX flex has continued to increase the balance on my account even though the account is a year past the collectable statue of limitations. The only response i have ever had from XXXX flex was a letter telling me to call their call center in XXXX and when i did the call center was unable to locate my file in their system to give me an answer to status of my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I filing this complaint because TransUnion, XXXX, and XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you

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 03/23/2018 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (KY).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: On XX/XX/XXXX I saw that XXXX XXXX had sold all of my positions held in my IRA on XX/XX/XXXX. I never provided consent or received any notice that this would occur. I called and I was told that they were closing my account. I asked them to reverse their illegal activity and they refused.

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 09-08-2015 about Mortgage (Conventional fixed mortgage) with Franklin Mortgage Solutions, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I received an unsolicited letter wanting to consolidate my existing mortgage and an estimated credit card debt of {$5000.00}. The letter stated that Franklin Mortgage Solutions could lower our monthly payments to {$1400.00}. I was given a phone number XXXX to speak with my loan representative. I do not have any credit card debt nor any problems paying my mortgage. The letter is very confusing, leading me to think that I have debt! The " Account Number '' for " my case '' is XXXX, sounding like something from the IRS! I was given a phone number to stop receiving " prescreened offers ''. I called that number but I was not able to ascertain whether this was a legitimate government agency! I can imagine that many people would be confused and very anxious that they were in debt. The " new loan proposal '' to correct this " problem '' was a 30 year fixed rate of 4.125 %. This letter is very incomplete regarding all the pertinent details.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: This bank of america, gave all my money without letting me know to a some type of collection agency because they said that they receive a letter from a lawyer to take all my money and hold all my assests. Which they cant even tell me whom i owed with? First of all i dont owed anything that is more that {$2000.00} and second how thry can just garnish my money and gave it to the agency without letting me know and last how did they get my bank acct information?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing disputes

Complaint: I missed a balance due payment of XXXX in XXXX on my Citi Bank credit card. I did n't see the bill come in but found it later buried under some papers on my desk. I called as soon as I received my past due notice. I have been a customer since 1993 and always pay my bill in full, with rare exception. I argued that the {$25.00} late fee should be removed if they just looked at my history. I paid the {$30.00} charge but not the late fee. This month I received a bill that charges a late fee of {$37.00} on the {$25.00} late fee from last month. Now the bill is {$63.00} That simply does n't make sense. Is that legal is charge interest and late fees on late fees when no activity took place? No other charges were on the bill. I spoke with customer service today at XXXX AM EST to a young lady named XXXX who then turned me over to a XXXX named XXXX. XXXX indicated that since it was n't a bank error, it could n't be reversed. I know that is an untrue statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-07-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, XXXX, I deposited my payroll check ( a there-to-fore common practice ) in my Wells Fargo checking account and received a deposit receipt ( copy attached ) which stated that the deposit would be credited on XXXX XXXX. On XXXX XXXX, I received a letter from Wells Fargo ( copy attached ) which said that the funds had been placed on hold and would be credited on XXXX XXXX, XXXX. Luckily I had not drawn on those funds. I called Wells Fargo customer service and was told that the letter had been sent in error and my account reflected the credit on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I deposited my payroll check ( copy of deposit receipt attached ) and was told specifically that there would be no hold placed on the check and my deposit would credit on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I accessed my online banking portal and discovered that a hold had been placed on the funds and that the deposit would not be credited until XXXX XXXX, XXXX. I again contacted customer service and was told that the hold was a result of " risk '' with no further explanation. I went to my branch office and requested an explanation. They contacted " loss prevention '' and all they could tell me was that a " general '' hold had been placed on the deposit. I asked for a written explanation of the hold and its ' reasoning. I was told that Wells Fargo does not provide written explanations. I asked specifically if they were denying my request for a written explanation and they responded " yes ''. I should note that the account on which the check ( s ) were drawn was also a Wells Fargo account and that that account was at the same branch as my account. I believe that both of these holds are in violation of Regulation " C '' for duration, failure to inform at time of deposit, and failure to provide explanation and reasoning for the hold ( s ). I believe that Regulation " C '' has specific sanctions defined when a violation ( s ) occurs. An appropriate sanction, in my opinion, is that the institution be required to match the funds which are held in violation of the regulation. It seems that Wells Fargo is attempting to replace income from opening illegal accounts to causing overdraft fees by, without informing the customer, in fact misleading the customer, as to when funds will be credited. I should also note that following the XXXX XXXX deposit and XXXX XXXX letter all evidence of the hold action had been removed from my account history and my monthly statement and online account information reflect the deposit credit on XXXX XXXX, XXXX as if no hold had been placed in the first place. I assume Wells Fargo will " cover their tracks '' on this new hold as well.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I will try and make a long story short but basically, I have paid off my student loan in full upon graduation, and for whatever reason the loan still shows I owe money and it continues to grow interest of course each day. When I first discovered this, I tried resolving it with the parties involved and to no avail have I gotten anywhere with these people. Upon graduation in 2011 my father paid my student loan in full, he was at my apartment and asked me to call right then and get the payoff amount because he was going to write a check for the balance that day. I called and was given the payoff amount and my Dad wrote the check for that amount, I then placed the check in the mail to them. 
I have attempted phone calls, emails, faxes, and postal mail and through dealing with either no response or no return call or email reply and lousy customer service when I finally did get a reply the first one was basically yep you owe the money in question and the last reply ( which I have attached the document ) was basically telling me I owe it because of a time frame in when the check was received. Well first off, the letter stated that I requested a payoff amount via on- line well that is not true like I mentioned above I called them on the telephone my father was sitting right next to me and was writing a check for the balance that 's why he said get them on the phone right now, so I can write the check and pay it off. I would n't have asked for a payoff amount and then wait 4 or 5 months later to send them a check that 's insane. My father is a witness to all this and my father is a hard-working honest man and lives life morally right. The bottom line is I paid the amount of the loan off way early and however they chose to allocate it is their problem and or wrong doing. I would not have asked for the pay off balance if I was n't going to pay the loan off in full the day XXXX called. Obviously, they have gotten their files disorganized and their information mixed up and they need to hold themselves accountable. I guess they are upset because they couldnt gain interest on my account due to the fact I paid it off early before it could draw any interest which I am sure not many people are fortunate enough to do. They should be ashamed trying to suck what any money they can from struggling students in the world just trying to further their education and better their lives and future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I saw in my credit report that is from 'Trans Union XXXX File Number XXXX, report created date XX/XX/2015I had never owed to XXXX, XXXX and Original creditor XXXX, I had never paid to anything to collection. This balance paid on time to original creditor never late. So my credit report has incorrect information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Checking or savings account (Checking account) with FLAGSTAR BANK, FSB (MI).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On XXXX XXXX 2017 at XXXX, I deposited {$1200.00} into the ATM machine of Flagstar bank in XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX , MI XXXX - in an effort to make a deposit into my account.
The machine said there was an error and returned my card and none of my cash back to me.
The machine was then placed unavailable and the screen said it was down.
I went into the branch office and told them what happened, they said they would call me at some point when the ATM technicians arrive to fix the problem.
I got no official paperwork verifying this complaint.
My account shows no deposit into my account in reference to this attempt to deposit cash at the ATM machine.
My checking account number is XXXX In a phone call where I complained about this to Flagstar bank the customer service agent gave me Reference number of XXXX  with respect to the phone call.
I made 4 deposits, XXXX XXXX dollar bills XXXX XXXX dollar bills XXXX XXXX dollar bills and then : XXXX XXXX  hundred bill, XXXX XXXX dollar bills, XXXX XXXX dollar bills, XXXX XXXX dollar bill It 's when I made that 4th deposit that the machine seemed to get stuck.
When I went into the branch office, one employee said, the machine says bill is jammed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Payday loan () with ACE CASH EXPRESS, INC. (TX).
Issue: Payment to acct not credited

Complaint: I unable to repay Ace cash express and the loan was charged off from four or five years ago. Now a person claiming to be from a lawyers office demandind that I give them my bank information or they will file hot check charges on me tonight. He called back and asked how will like being shoved in a police car handcuffed. he said his name was XXXX XXXX and the phone is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently check my credit report and found that there were several items that were not related to me. This is very unfortunate because the incorrect information has caused me to not qualify for any additional credit. It has also hindered me from my goals of achieving a home. Please remove all unverified accounts from 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 07/26/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I use an app called XXXX. It pays me in advance of my payday in case I need some money but my bank has to report the transactions, which the 1st couple weeks was great, NO ISSUES. Now I guess they realized this helps me not to Overdraft, meaning the bank wo n't get to charge me {$38.00} in fees so they are not reporting transactions to XXXX ; therefore ; I am not able to get my money from them. Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Credit reporting () with On-Site Manager, Inc. (OR).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I found that my criminal record that has been EXPUNGED is showing up on my report. You can contact XXXX XXXX XXXX at XXXX ext XXXX and talk to XXXX and verify this information. I want it off my public record on your site immediately! It is preventing me from obtaining housing.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/XXXX To Whom It May Concern : In XX/XX/XXXX, I obtain an XXXX/XXXX mortgage loan with Countrywide, secured by XXXX. My loan was then sold to Bank of America. I lost my job in XX/XX/XXXX due to the economic recession and was forced to do cash for keys in XX/XX/XXXX, returning my home back to XXXX. Bank of America has sold my loan to a collection agency, XXXX XXXX XXXX to collect on the home equity portion of my loan, which was also secured by XXXX. They continue to call me weekly asking for payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a notice from Convergent Outsourciong, Inc. over an over drafter account I had 9 years ago that was charged off by the bank, now they have listed an updated activity date on my credit report thais untrue. the debt is no longer collectable, and was written off by the bank almost a decade ago.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (FL).
Issue: Trouble during payment process

Complaint: After refinancing my home in   XXXX   XXXX     with a different lender, I had a escrow surplus with my old lender Ditech. On   XXXX   XXXX   XXXX     I was e-mailed by them informing me that I have a surplus due me in the amount of  XXXX  for which to this date I have not received. For nearly 3 months I have spoken with  6 c ustomer reps and  4  managers to no avail.     XXXX   XXXX   XXXX     they informed me that they sent the check to the wrong addres s, 2  weeks later it was in the mail being reissued , 2  more weeks have passed with no check, this time I was told to give it time. This went on with me talking to managers  XXXX ,  XXXX ,  XXXX  or  XXXX  and last but not least a supervisor name  XXXX  who uttered the words " what is it that you want me to do '' ; " remit  XXXX  to me '' I said. still no check.   On   XXXX   XXXX   XXXX   I spoke to a rep name  XXXX . This  XXXX  informed me that her  manager  named,  XXXX  instructed her to obtain my checking account information so that this amount can be deposited into my account, this was my routing and account number, now here is the scariest and nervous moment thru all they 've put me through I still have n't seen no deposit into my account. This gives me sleepless nights, in addition to nearly 3 months of this horrible experience my checking info is somewhere floating around. Ditech whom I thought was a stellar performer when it came to customer service turns out to be all but that.   It seems  on  e hand has no clue on what the other one is doi ng.   STILL NO CHECK.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Mortgage (Other mortgage) with Nationwide Biweekly Administration, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: National Biweekly Administration has debited money from my account and not paid my mortgage. They have not refunded the money. They have not answered calls or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Fast forward 5 years and the same problems exist with my loan modification program today. When I started the process for a loan modification with Bank of America in XX/XX/XXXX and finally approved for trial payments in XXXX, XXXX. I started making my 3 trial payments with the understanding that BOA will report to the CRAS that I was making the trial payments and all the future payments under the modification according to the letter they sent me ( although, from what I understood under HAMP guidelines, if a customer is current during a loan modification period, the lender must report them as current to the CRAs ). Obviously, this has not happen with my home loan account with Bank of America despite being making payments on time every single month as stipulated under the permanent loan modification approved since XXXX, XXXX with first payment sent in XXXX XXXX under the permanent modification ( please see record of payments attached ). On XXXX XXXX, XXXX I was granted a bankruptcy under Chapter XXXX where my vehicle and my home were excluded by my own request wanting to keep my home already going under a very long process for a permanent loan modification delayed by Bank of America. On XXXX XXXX, XXXX on XXXX in XXXX with the XXXX my final hearing with the assistance of my attorney in XXXX under my Oath and Confirmation to the bankruptcy with Judge XXXX XXXX, XXXX District of XXXX the hearing conducted and processed by phone ( see copy of documents ).

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