milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XXXX I went to pay my lease payment and my account stated it was paid for so I called XXXX telling them that a payment was applied to my act. They stated that it was paid and that I had an extra payment. I thought it was funny. I kept an eye on the account. When I got a bill by mail stating a double amount I immediately called and they said the payment was reversed bc it was applied to the wrong act. They apologized and I immediately made the payment. They indicated and they said its recorded that it was their mistake and that it will not be reported. Well I have my credit monitoring since I have good credit and they reported me late. I called them and asked them to check their notes, I have left messages, I sent them a phone call request through XXXX XXXX website, I have yet to hear from anyone. I have disputed this 2 x and they keep saying is correct. I even asked for the fax # to their legal department. I am not going to allow them to XXXX me like that after I am a single parent working myself with 2 jobs and making sure my debts are paid and on time. I do not know what else to do. Its not fair. I have cried because company like this one do mistakes and nothing is done and then they XXXX us up. 
I need this to be deleted out of my credit report, as this is the only thing that is on my report negative and it was not me, they should be able to teach their employees how to apply payments to the right account and on my recorded call, I told them are you sure they said yes, they are sure. I need help. Please.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Debt collection (I do not know) with Midwest Recovery Systems (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX, Midwest Recovery Systems, LLC reported a balance of {$400.00} owed to " XXXX '' on all XXXX bureaus. Says the original creditor opened the account on XXXX XXXX, 2016. I have no knowledge of this account, and I have never once in my life had anything in the amount of {$400.00}. I have never received written or telephone contact from anyone notifying me of this so-called " debt ''. I have been watching my credit like a hawk as I 'm going to be going into the mortgage application phase within the next month. This reporting of this unverified, fraudulent debt has caused my XXXX to go down over XXXX points. Per the federal rules for debt collection, I must be notified with this debt and given the opportunity to dispute or negotiate this debt with a creditor before it is reported as an unpaid debt. I have NEVER been told of this debt. It needs to be removed from my credit reports immediately, and Midwest Recovery Systems, LLC must be held responsible for reporting false information and not following federal debt collection rules.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Debt collection (Payday loan) with EZCORP, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company - they give different names when I ask who is this, the number they are calling from is XXXX this company continues to call my family members leaving threatening voice mail messages on my family members phone. I have called this company and informed them this was paid off and I provided the name of company and the contact information for the company this account was paid. This individual at the current company calling me stated that information was not sufficient, he was rude and I have asked them to stop calling my family members and myself.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an account listed as in collections from XXXX XXXX. I do not know where this account came from as I have never been to XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (Credit card) with KEYCORP (UT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I scheduled a payment for {$100.00} on my CC ending XXXX with Key Bank Collections Dept on XX/XX/2017 to bring up the account to current status. soon after that, I got two letters from Key Bank with dates XX/XX/2017 and XX/XX/2017 as a reminder confirming the transaction to be processed XX/XX/2017 with a confirm # given. 

Today, XX/XX/2017, I find that the transaction was correctly processed yesterday and posted today in my checking account from where I agreed the payment be withdrawn. 
Key Bank Collections Dept clearly states " PROCESSING MAY TAKE UP TO TWO BUSINESS DAYS ''. 

MY COMPLAIN IS that I have been harrassed and abussed by Key Bank Collections dept as they have called me AGAIN today XX/XX/2017 at XXXX ( XXXX ) in order to collect the very same amount of {$100.00} that I previously scheduled and FULLY payed yesterday. that is wrong!! and it is totally unfair business. 
It DID NOT matter that I fully met my commitment, but KEYBANK still call me again???, why? I want an explanation for that WRONG AND ABUSIVE COMMUNICATION APPROACH. 
I spoke with call center supervisor XXXX ID # XXXX in XXXX XXXX were call was originated, but she blames the system as they schedule payments but dont care to wait 48 hrs to call again in case the payment was not made. 
I am convinced that the Bank 's collection Dept has this dark and fraudulent strategy to attempt DOUBLING the payment and cash extra from those oblivious clients that may have forgotten at the time of the call that such payment has already been collected. Key Bank Collections Dept. shall have their automated calling system set up to wait 2 business day to call again in the event the scheduled payment did not go through. 

Besides I am feeeling harrased and abused by the Bank, I am feeling completely vulnerable, since I could have forgotten the payment I scheduled 2 weeks in advance and I could have fell in their fraudulent trap to collect a double payment the very same day, That puts me at the risk as a consumer that I may accept to pay in order to avoid more late fees, but I fall in to being short on funds in my acount and being double punished for insufficient funds by my Checking Account bank and by the Key Bank Credit card collections dept. 

I greatly appreciate your valuable help in processing and following on my complain as I am sure that I am not the only victim of such wrong strategy this and other the banks and Credit card companies are creating as a trap to consumers. 

I will be looking forward on your response and for the next step as I have proof documentation of my claim. I will be happy to provided it, along with my personal info. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Other

Complaint: TD Bank USA/ Target reports acct # XXXX, as a charge offb/bad debt of an amount they claim I owe of which you claim {$1100.00}. I have sent two certified letters to Target requesting validation of debt. The first certified letter was sent on XXXX/XXXX/16 and received on XXXX/XXXX/16 and the second certified letter was sent on XXXX/XXXX/16 and received on XXXX/XXXX/16. Target noted on my credit reports that I was disputing but Target failed to provide a validation of debt. Target claimed to provide a validation of debt by sending copies of old credit card bills but DID NOT provide a contract bearing my signature. No such validation of debt was ever furnished to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Mortgage (FHA mortgage) with 1ST ALLIANCE LENDING, LLC (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In XX/XX/ 2018 I applied for an FHA loan with 1st Alliance lending.I was seeking a pre-quailfying letter. I was told I couldn't be given a yes or no with out providing further documentation. I submitted the documentation and asked will I be issued a pre- qualifying letter to apply for my down payment assistance program with my state. I was told the laon had to be underwritten first. Which I am not understanding why the loan needs to be underwritten before I can be told yes or no. Here is the response I receiver from the agent. ( please see below ) I thought the response to be uninformative and disrespectful. 

Hi XXXX, You have an extenuating circumstance loan. We always want the extenuating circumstance to be approved by the underwriters BEFORE we issue a prequalification letter. If you want to ask XXXX if they will write an extenuating circumstance loan prequalification letter before seeing documents please do so. But they dont even write loans for credit scores under 600. 

The only reason I will EVER ask for anything is so we can write the loan. If you are really serious about buying a home then this is what we require for documentation. I will never ask for unnecessary documents. 

Let me know if you want to proceed. 
XXXX XXXX Home Loan Consultant 1st Alliance Lending , LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CT XXXX XXXX Toll Free : XXXX Local : XXXX Fax : XXXX www.1stalliancelending.com

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES 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 an account wi th Portfolio Recovery  on my account for 3 years as of now which is not valid. I have requested for valid proof from original debtor and have yet to received. Account is not valid and have tried disputing with credit bureaus and with the agency on several occasions and nothing has happened with the account. When trying to dispute with the company I submit the letter that I received stating the account is not valid and hear nothing in resposne.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from Linebarger Goggan Blair & Sampson , LLP stating I owe {$450.00} due in 10 days, and if I do not respond an arrest warrant could be issued by a peace officer. 
I called the phone number on the letter XXXX and they said they did n't have any other information except it was a ticket from 2004 and I lived in XXXX, TX. I 've never lived in XXXX, TX therefore they have the wrong person. 
They said they did n't have any other information than that, and they will continue to try to collect the debt. 
I searched for citations online for City of XXXX, and XXXX County and could not find anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: To Whom It May Concern - I opened a US Bank credit card that was advertised as 0 % APR and with online features. Online statements were advertised as being the same as paper statements. My online statements reported no payment required for the life of the account. Also, no interest or late fees were charged on my online statements. My paper statements that I retrieved from the mail on X/X/2017 show payments were required, late fees were charged and the promotional APR was rescinded. All of this is documented in writing from official US Bank documents. US Bank refuses to discuss this matter and refers me to collections instead. US Bank is completely in error and causing me hardship because of their errors. Attached are the online and paper statements for XXXX 2017.

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 07/27/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Credit card protection / Debt protection

Complaint: I was ask by a store employee to open a kohls department credit card and they have really been difficult to deal with they harrased me when it came to pay my payments and i was not allowed to return the items that i purchased back on my credit card and they also gave me instore credit instead of putting the return items on the card and when i return something they gave me less and i was upset about this some of the items are really cool. They also had issues with pricing the items. alot of my payments i made on due date and they would say it was not on time and then they try to put me in some hardship program which really did not help the consumer at all and you were receiving late fees and other issues.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint: Tried to secure a " refund '' check for {$85.00} from XXXX for an over payment of my bill for over 35 days without resolution. 

The XXXX Billing Department refers me to XXXX Department who refers me back to Billing Department. One unnamed XXXX XXXX. agent on XXXX XXXX, XXXX tells me it 's their error and a refund check will be issued by their XXXX Department " within a few weeks ''. 

Then today, on XXXX XXXX, XXXX, 35 days after initial contact via email, the same unnamed XXXX XXXX. agent tells me " check refunds can take up to 10 weeks to receive '' while also telling me the XXXX XXXX. " requested a refund '' on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX. 

It appears the XXXX XXXX. and or XXXX XXXX. at XXXX  are not doing their job in issuing refund checks in a timely manner and should be investigated immediately.

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 07/24/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (PA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: As someone who lives paycheck to paycheck there are always more bills at the end of the money however in a 6 week period TD BANK has charged me over {$800.00} in overdraft fees virtually ruining my ability to pay my bills as {$800.00} is more than 1/2 of a paycheck. They refuse to forgive any of it. I have overdraft protection but bills that would have cleared with no problem did NOT and I was assessed more fees. On XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$70.00} XXXX XXXX {$70.00} XXXX XXXX {$35.00} XXXX XXXX {$70.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$170.00} XXXX XXXX {$35.00} This is BEYOND abusive and research has indicated that TD Bank has already had complaints and judgments against them for this type of abuse. As a result of this I have had to use credit cards to buy something as small as a pretzel because I have no cash and am petrified to use my atm card. PLEASE PLEASE HELP ME!!!! I want these fees refunded and then I plan on changing banks. I have already tried to switch banks but TD does not seem to want to release my money. I will be happy to supply you with my account number so that you can investigate this thoroughly.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (DE).
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: Bank of America has both admitted fault in the handling of my dispute AND refused to take responsibility of their negligence. I 've spoken with Managing Director XXXX XXXX of the LOB responsible, who was as bold as to argue that they are not responsible for what his Claims associates say on the phone, nor are they responsible for what they do or do n't do as a result of a customer conversation in the Claims process. 

Specifically : *We made a purchase, it turned out to be different than what was described ( with contradictory pre and post transaction descriptions of the product from the merchant himself, i.e. a  slam dunk case ) *BAC took the claim *They denied the claim asking for a second opinion *I called, offered the second opinion, reviewed all other additional information ( see attached ) *BACs representative said the second opinion actually is not required, they would pursue the claim without it *Following BACs direction I called 2 times to verify the claim process was on track, BAC confirmed both times they were waiting to hear back from the merchant *3rd time, BAC rep realized they never actually continued the claim as previously promised, said I 'm out of luck *I escalate *Their Executive Relations team reviews my case, pulls the call where in which the representative promised to move forward without second opinion *ER REP LISTENED TO MY CALL AND OPENLY ADMITTED THE BANKS WRONG DOING ( her name was XXXX ) *ER had the LOB review again, but they denied any further consideration *I asked for the LOB contact information directly ( ER was happy to provide it ) *After a short debate ( first line LOB contact with XXXX XXXX ), the LOB ALSO OPENLY ADMITTED THE BANKS WRONG DOING , but argued they did at one point ask for second opinion, to which I technically did not provide ( because they told me not to, this again happened in the call recording that the ER rep pulled and saved ) *LOB promised to send to their manager, rather I was given back to ER, only for them to say again the LOB will not consider any further *This ER rep and I talk at length ( XXXX ), SHE ALSO OPENLY ADMITTED THE BANKS WRONG DOING, offers escalation *I talk to their " managing director '', he holds ground, refusing to discuss any logical or rational reasoning, just stating repeatedly that they did ask for something and technically I did not provide it ( again, because they said not to ... the MD at least avoided admitting any fault ). 

This ca n't be possible, right? Please see attachments.

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 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have sent certified letters to get my personal info corrected on  XXXX / XXXX /  XXXX   and  XXXX   XXXX  and have also called all   XXXX   of them on. Several occasions to get my personal information updated and inquiry 's removed. I keep getting the run around and they continue to report addresses that are not valid, work history that is invalid and continue to have more than  one  name associated with my account. Several of the inquiry 's are not valid and they tell me to call creditor ... .I sent creditors certified mail and they tell me they can not remove they credit bureau has to do it ... ..I am exhausted with the effort of trying to correct my reports from all   XXXX   major bureaus to no availe

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I saw an XXXX University XXXX commercial and made 1 call to inquire. Every since that day I dreaded ever contacting them. They called, emailed, left messages everyday ... numerous times a day. I ended up attending XXXX University XXXX, FL from XXXX til XXXX for an XXXX XXXX in XXXX. Initially, tuition was under XXXX a semester, but every semester it increased until it was just about XXXX per semester. As a result I 'm now XXXX dollars in debt due to a 2 year degree attending XXXX University XXXX. As well all know now my degree that I put blood, sweat, and tears into is not even usable due to XXXX closing and the school being non accredited. I was initially told the school was accredited an that they do job placement after graduation. NONE of that was true! It was a all a hoax to me ... like a bad dream that left me in debt. I feel my loan along with thousands of others should be forgiven, cancelled, completely abolished due to the circulating news of their closing and being sued, no accreditation, lies of future employment placement, and let us not forget their lying to millions.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NV).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have already filed a complaint with you about this company in trying to reach a settlement on the account. See attached letters from company after I paid an agreed upon amount by check for settlement. Discover will not admit that the account has been settled and yet they accepted our check with this understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I received Bank of America new mortgage statement. 
Total monthly payment amount increased from {$1800.00} TO $ XXXXDifference {$690.00}. Principal and interest are the same {$1300.00}. 
Escrow more then XXXX from {$530.00} to {$1000.00}. 
No reasonable explanation. i have a fixed rate, taxes and insurance are the same.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo, the owner of the loan, is not allowing loan modifications to occur. XXXX and I qualify for loan modifications based on both XXXX and loss of income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation