milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-02-2017 about Bank account or service (Savings account) with KEYCORP (OH).
Issue: Deposits and withdrawals

Complaint: I opened a business savings account ( XXXX ) XXXX on XXXX. Under which time I was informed that there will be a 9 day business hold on all checks for the first 30 days. Subsequently, made another deposit and to sign up for online, I was told that there would be a 9 day hold on all check deposits for 60 days. Informed him that was unacceptable " as a business I need to have working capital '' states where there is a 60 day. Once last check cleared closed my account, he explains that there is a {$25.00} fee for early acct termination. Explained I was closing due to the 60 days window, states well that the policy for new accounts. Called to complain and with both of us on the phone I explain that there had been no disclosure stating 60 day hold. He looked through forms and stated that I was correct, but he was not willing to refund me the {$25.00} because I closed my account based on the information that I received from him. 
I would like the {$25.00} refunded to me - this is totally taking advantage of consumers, I can bet there are more out there.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: The dispute stated unable to locate credit report. I received a credit report dispute letter stating the items I disputed was not on my file however, they are listed on the credit report I received on XX/XX/2016 : XXXX XXXX XXXX # XXXX 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 03/21/2018 about Debt collection (Other debt) with Penn Credit Corporation (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Suddenly I have received a collection bill for XXXX through PennCredit about my previous landlord 's electric bill. I had verbal agreement with my landlord about monthly rent including all bills and I paid all my rent from XX/XX/XXXXto XX/XX/XXXX and moved out from that house in XX/XX/XXXX and the bill was from XX/XX/XXXXto XX/XX/XXXXand the total amount of the bill isXXXX. I never received any bill before, no phone call, no reminder about this bill.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Checking or savings account (CD (Certificate of Deposit)) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint: On XXXX/XXXX/XXXX at XXXX pm I made a deposit for {$700.00} at the ATM of the Fifth Third Bank office in XXXX Ohio XXXX XXXX XXXX XXXX, XXXX, OH XXXX where I have my account, the ATM did not make the deposit and he also did not return the money but gave me a receipt where he says that due to technical problems the deposit could not be made nor the money returned, I filed the complaint and the bank gave me the amount in credit while the dispute was resolved, after 30 days I received a letter saying that I had lost the dispute and therefore I had to pay the money they gave me in credit, I made a second claim and after another 30 days I received another letter with the same resolution, that I had to pay the money given in credit. It should be noted that I faxed a copy of the receipt provided by the ATM to me on XXXX/XXXX/XXXX at XXXX pm, I have complied with what the bank has demanded on my behalf notwithstanding they still I have proof of the error of their machines they insist that it 's my fault, they closed my bank account and they passed me to a delinquent collection department

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX - A company saying they could sell my time-share condo got me to give them my credit card number saying they would not charge it until I gave permission. They did charge it and I got suspicious so I did more in-depth searching on this company and found they had so many scams. I filed a dispute with XXXX BEFORE THEY PAID THE COMPANY, but XXXX paid the company anyway against my wishes. XXXX submitted this to all XXXX major credit reporting agencies XX/XX/1999 and have not removed it 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 non-monetary relief
Consumer complaint received 08-07-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (MI).
Issue: Closing on a mortgage

Complaint: I sold our house at XXXX XXXX XXXX XXXX, closing XX/XX/XXXX, 2017. The settlement statement is attached. The loan, # XXXX with SLS was paid off. Since then I 've received to bills from XXXX. About 2 weeks ago, the first one arrived and I called. SLS told me to send the settlement statement by email, which I did. I never heard back until XX/XX/XXXX, when another bill arrived. I returned the bill by mail along with the settlement statement and a short letter describing the problem. I 'm also sending this information to the title company that handled the escrow.

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 09/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: applied at XXXX and requested my annual XXXX free reports, none of the XXXX reporting agencies would relesase/show me my own credit information?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have no knowledge of this account and it does not belong to me. This is a fraudulent report 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 03-07-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Equifax has n't sent my free credit report for the last two years & I know I did things right to get it when I called annualcreditreport.com. Someone from that company 's been lying about it the first time on XXXX to me & I have n't got a response about the XXXX one. I 've also informed the FTC & FBI about it on XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX a complaint was filed with CFPB in reference to XXXX investigation into a hard inquiry on my credit file ( complaint # XXXX ). XXXX response stated the hard inquiry was valid, because of persistence and established dialog with XXXX XXXX executive office ; on XXXX XXXX, XXXX a letter was received agreeing to remove the Hard Inquiry from my file.

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 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Honestly I do n't have the dates. I thought this matter was resolved. I placed an order using a XXXX card for a portable air conditioner. After almost a month, I called to cancel due to the fact it was a heat wave coming and my family had no working air conditioner. I had to purchase one immediately, there for I no longer needed the one I ordered. Also, I had received no word from them as to the status of my order. When I had XXXX years ago, They would send out a card, keeping you abreast of the status of your order. When I called, the young lady informed me that the item had been delivered. I said, no, I am XXXX and I am home all day. No one has come to my door. She then proceeded to tell me to wait 5 business days and call back while they work on finding the information. I called back on the 5th day. I was spoken to in a most demeaning manner. The guy was rude beyond words. He told me that it was delivered to my door. I told him. I am XXXX and I am home all day. No one has come to me door. He proceeded to shout at me telling me it had so been delivered. Then he asked, did I ask my neighbors. Why would I? I have never had an issue with a purchase. I also, purchased from XXXX for several years, with no problems. Now I see on my credit report that I own them {$600.00}. I refuse to pay for an air conditioner I never received. XXXX should not be allowed to place that purchase on my credit. They are trying to hold me hostage unjustly!. I have had no one come to my door. I did not sign for any purchase and they should be made to remove that product from my credit period! I have had to take extra XXXX medicine because of this injudicious matter. Please help me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Credit card () with U.S. BANCORP (FL).
Issue: Customer service / Customer relations

Complaint: I applied for an XXXX XXXX card through Elan Financial. They had been soliciting me for months, so I decided to apply for the card. I was declined for the card through Elan and was notified when I called that the card was declined due to my prior 2008 bankruptcy. 
The underwriter noticed that the bankruptcy had been so long ago that he concluded that he would resubmit the card for manual underwriting and suggested I call back in 2 days. 
When I phoned back to gain knowledge of the result of the card decision. I was speaking with XXXX at ext XXXX and she shared information and spoke to me in a way I had never been discriminated in before. XXXX instead of just sharing the final decision went on to inform me that the decision was based on the outstanding balances on other cards and primarily my bankruptcy. She went on to share with me that based on her looking at my credit profile it was clear that I was well on my way to my second bankruptcy. This way of approaching customers is not an example of fair lending nor is it appropriate for any company to speak in ways that place judgment or wound there applicants. I clearly felt discriminated against and felt Elan Financial spoke and clearly attacked my character. I have not been able to ignore the clear attack on my character and the discrimination on me as a person.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (NY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX has stopped reporting only to start a new report. While the age remains the same it still damaged my score 5 points and hasn't recovered. This is one of many harassment tactics that they have used which the FDCPA protects me from over the phone they have also claimed to be XXXX  themselves and refuse to be anything less than difficult and annoying. The harassment has occurred on every instance that I've called and includeds half hour hold times, repeatedly being put on hold, as well as unauthorized personnel asking me for vital information, repeating the same questions over and over again and just goes on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Mortgage (Reverse mortgage) with Live Well Financial, Inc. (VA).
Issue: Struggling to pay mortgage

Complaint: Reverse Mortgage Livewell Financial XXXX Mi. Money I got advanced for equity was used, owed some county taxes that did n't get paid. They said sent notices about them, and then sent notices for foreclosure, didnt receive. They fore closed XXXX,2017.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Settlement process and costs

Complaint: 13 months ago I took out an FHA home loan through Wells Fargo. We were in a hurry to close on the home because we had a baby on the way and wanted to be in the house by the time he arrived. After being treated extremely disrespectfully by our Wells Fargo home loan representative we finally closed on the house. In a hurry to get into the house we did everything necessary to expedite the process. We went through the FHA program for our house, but there were serious issues that were never addressed, and should n't have passed FHA guidelines. We had peeling paint all over the place, a huge horizontal crack in the foundation of the basement, along with a bowing wall which indicates major foundation issues. Beyond that we have a support beam that is significantly sagging. All of these issues have been present since day one, and only after researching FHA loans did I come to the conclusion that these should have all been fixed. My opinion is that the Wells Fargo representative was solely looking out for himself, and would do whatever was necessary to accumulate another sale. Ultimately I am worried about the structural safety of the building, and I am left wondering why none of these issues were considered a red flag for the lending institution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (I do not know) with Oracle Financial Group LLC. (GA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: A XXXX form Oracle Financial group call me and my XXXX sons and threatened me with a law suit if I did n't pay a debt that was discharged in my bankruptcy. She demanded that I give her my credit card to pay the debt or the police would be at my door. I hung my phone up.

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 12-04-2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (NH).
Issue: Loan modification,collection,foreclosure

Complaint: I have an equity loan it went from interest only to principle and interest I called to get the loan modified they told me hat they just service the loan they do not write it. The loan went from & XXXX to $ XXXX few months later I found out that they do modify, I made out XXXX packages. The first XXXX they said that they did not get all the paperwork I sent them a third and they said that they received all the paper work. I waited and finally they said that I was denied. In the mean time I contacted Hud to help me. They tried to call and work out a modification No response. I called to find out why the person on the phone said that she could not figure out why they denied me. To send in another letter to get someone else in the department to take a look at it no response again. I have proved that I have a hardship. Between Loosing my job lower income and loosing my father and almost loosing my mother. They keep dragging this out so I will loose my house. If they modify I can afford my payments.

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 02/22/2017 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (FL).
Issue: Taking out the loan or lease

Complaint: I was turned down for a loan by Honda Finacial Services XX/XX/2016 there number was XXXX. Honda Finacial service number is XXXX. I requested an explanation from them of why I was turned down and a copy of the credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. XXXX. I did this by sending them a copy of the form letter to both companies. This was done in XX/XX/XXXX I mever heard back from either company it has been over 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Bank account or service (Savings account) with REGIONS FINANCIAL CORPORATION (MS).
Issue: Account opening, closing, or management

Complaint: Regions Bank close out my account with out my permission, It was a loan on my saving account, my money, I was paying a note each month, upon closing the account they did n't return the money I paid back into the loan, all I want is what is owed to me, .Loan account number is XXXX, it was paid in full and the bank is still asking for more money.please check into this, It 's really sad when your Bank steal from you.Regions Bank in XXXX XXXX , Mississippi . On XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Date : XX/XX/XXXX To Whom It May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. And correct my personal information As you will see bellow, my correct identification information for your records : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been living here since XX/XX/XXXX Please update my personal number to my credit profile XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX this is an old address ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXXI have also please delete not my address included the following minimum XXXX proofs of my current mailing address Sincerely, Name : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX 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 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: Date Name Address City State Zip Credit Bureau Address City State Zip Re : Fraudulent Credit Inquiry To whom it may concern : Recently i received a copy of my credit report which showed Accounts and Inquiries i didnt not authorize. I understand and aware that you should not put an inquiry or account on my file unless i have approved it. I have provided you with an FTC affidavit report and i am currently working with a police investigator to  stop the use of my name by someone who has stolen my identity. Please have the following accounts & inquiries removed off my credit file immediately because i did not authorized them and they are fraudulent. I am disputing the accounts and inquiries as an internal dispute and an affidavit. 

List fraudulent accounts : a ) XXXX XXXX b ) XXXX c ) XXXX XXXX d ) XXXX XXXX e ) XXXX f ) XXXX XXXX g ) XXXX XXXX h ) XXXX I ) XXXX  List fraudulent inquiries : a ) XXXX b ) XXXX XXXX c ) XXXX d ) XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely Name

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 03/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX of my bank accts were closed on or about XXXX 2013. I received a settlement offer XXXX XXXX who in return sold the accounts to Stellar Recovery. I paid the settlement offer to Stellar Recovery , Inc. who in return sent me several paid letters of receipt. The problem is that they will not verify this information to XXXX. I 've reached out to Stellar Recovery and XXXX to have the information updated. I 've taken my receipts to XXXX XXXX XXXX who originally had the account. XXXX XXXX XXXX and myself contacted Stellar Recovery and XXXX together. My bank manager verified to XXXX that account balances has been paid through settlement. XXXX sent me a letter stating that the balances are still owed and that the balances were verified through the FI, ( Financial Institution ). This is not true. Stellar Recovery states that " they can not verify to XXXX that I paid the settlement offer and I have a XXXX Balance, because they ( Stellar Recovery ) received the account from XXXX XXXX. The XXXX manager, XXXX XXXX attempted to contact XXXX XXXX. There is no working number. XXXX XXXX also spoke to XXXX and Stellar Recover while I was sitting in his office. 
I would like for XXXX to correct their information regarding my accounts with XXXX. There are XXXX accounts on my XXXX report that shows the accounts are closed with balances. This is inaccurate information.

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