milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2015 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: A few months ago I had a problem with XXXX XXXX XXXX XXXX reporting me delinquent. As a result my credit score went down. After I went through months and months of disputing XXXX XXXX XXXX XXXX removed the delinquency and the Credit Bureaus never re scored my credit it continue to stay low. Nothing had changed. Later I was hit with a XXXX 90 day by XXXX XXXX XXXX which was not accurate because I had paid insurance on the credit card that would pay for up to XXXX payments a year. XXXX XXXX XXXX severs ties with the insurance company and this year the insurance company makes a payment on my credit card and XXXX XXXX XXXX reports me for a missed payment when there was a payment made. I have reached out to each of the credit bureaus ever try to help rectify this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with New Century Financial Services, Inc. (NY).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I 'm receiving letters from XXXX and XXXX claiming to represent New Century Financial services. They claim that it 's a subpoena and ordering me to state my finances.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Customer service / Customer relations

Complaint: on XX/XX/XXXX I called bank of america and requested a new credit card. the old card I still had but never activated it and it expired in XX/XX/XXXX. I endured over 30 minutes of being asked asinine questions and being out on hold. after 30 minutes I told them what hey could do with their card! one question was what was your pets name that you last purchased poet insurance for? I explained I had had a pet for over 15 years! this was supposedly to verify who I was! I had the old freaking card in my hand! 
I wrote XXXX XXXX the ceo the first letter on XX/XX/XXXX. XXXX XXXX called from their enterprise resolutions department. I explained what had happened. she said she 'd research my concerns and call me back. SHE NEVER CALLED BACK! I sent XXXX the second letter on XX/XX/XXXX then a nedra called on XX/XX/XXXX. I went thru the dog and pony show all over again. she said she 'd research my compliant and call me back she also said tha I RECEIVED A LETTER AND PACKET FROM MCGRAFF. HAD THAT REALLY HAPPENED I WOULD N'T HAVE HAD A NEED TO SEND XXXX THE SECOND LETTER!!! she called back on XX/XX/XXXX and said she COULD N'T HELP ME I HAD TO REDO THE DOG AND PONY SHOW WITH THEIR VERIFICATION DEPART ALL OVER AGAIN. I POLITEY TOLD HER WHAT BANK OF AMERICA COULD DO WITH THEIR CREDIT CARD! 
I received a copy of my credit report dated XX/XX/XXXX. it listed bank of America as a OPEN AND VALID ACCOUNT IN GOOD STANDING. ALL I WANTED WAS A NEW FREAKING CARD! I might add that I got the bank of america card because ll bean had them as their servicer for their ll bean cards. they switched to XXXX about 5 years ago, hence the reason I was n't using my ban of America card! bank of America 's reps even said my account was in good standing. is this what our banks are allowed to do to their clients? 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 explanation
Consumer complaint received 05-01-2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Chase bank   XXXX   XXXX   is garnishing my account from a balance that was apparently from  XXXX  On my credit report it is showing that is charged off.. I was told that I made a payment in  XXXX  of { XXXX } and the Representative failed to provide me with poof and stated that this restarted the process. I have no knowledge of this and was n't served any legal papers. They took my state income taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I would like to post a statement on my Equifax credit report regarding an adverse report.I have contacted Equifax in writing. My letter was opened, sealed back up and returned to me without comment. I have tried to call them repeatedly and am constantly disconnected without speaking to anyone. There are no instructions as to how to post this statement on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Vehicle loan or lease (Loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I have been having a problem with Bank of America since I filed Bankruptcy in XX/XX/XXXX. The bankruptcy was discharged in XX/XX/XXXX. Before, during and after Bank of America continued to auto draft my checking account for payment. I understand the the bank touching my checking account while bankruptcy is in process that is illegal. Did not matter to Bank of America. 
I have previously filed a complaint against BOA for not reporting on my credit files. Anyway I pulled my annual credit report on XX/XX/XXXX to see that BOA has been reporting this car note as derogatory and that it was charged off in bankruptcy, not true. I had the vehicle in this matter until XX/XX/XXXX when I traded it in to get a more economical vehicle. At that time BOA was paid in full by XXXX XXXX. I received a letter from BOA stating my loan was paid in full XX/XX/XXXX. This is correct, however they did not do any reporting to credit agencies to reflect this. 
I received a letter from BOA XX/XX/XXXX after I called to complain and it stated their credit reporting was accurate.After receiving that letter I went to BOA with, the paid in full letter, my bankruptcy report and the credit report showing them their error. I knew the local branch did not have the power to resolve this but they could get the information heading in the correct direction. 
For the last 6 years my credit report has shown this negative entry, which has hindered my ability to get credit. 
I feel BOA thinks they are above the law as they took funds from my account during the bankruptcy process. The amount is over {$1700.00} they were not supposed to get. 
The Bankruptcy Judge did not re-affirm the vehicle due to my income but the vehicle stayed in my possession until I traded it in XX/XX/XXXX. 
I can not get them to understand this information is incorrect and can not get it corrected without help. 

I have supporting documentation for this complaint which will prove undeniably they are at fault. I do not know where else to turn.

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 02/19/2016 about Debt collection (Non-federal student loan) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX is no longer reporting the payment arrangement that I have had for over a year with them to my credit report with any of the credit reporting agencies. I have been paying {$250.00} per month for over a year to XXXX through the debt collector they have hired Financial Asset Management Systems. XXXX is no longer reporting the payment arrangement anymore to any of the credit reporting agencies as they had been doing even though I have been paying {$250.00} per month under the 0.001 % payment arrangement for over a year and to which XXXX had agreed to report on my credit report. I have all the documentation that shows that I have been paying Financial Asset Management Systems {$250.00} per month for over a year. There is no reason why XXXX should no longer be reporting the payment arrangement to the credit reporting agencies as I have been paying their debt collector under the payment arrangement for over a year and I have the documentation to prove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
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: XXXX XXXX XXXX have been re-aged repeatedly - see attached XXXX, XXXX, XXXX credit reports. Closed accounts are reposted with newer closed dates and payments are shown in closed accounts to continue reporting. 

Age off dates are posted in my credit reports XXXX, XXXX, XXXX, XXXX they just keep moving forward. 

I disputed the report two weeks ago and the CRAs posted a year of new payment activity in the long since closed account in response last week. 

Please fix 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 04/19/2016 about Bank account or service (Checking account) with U.S. BANCORP (UT).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/2016 my husband was contacted about recieving a loan. 
The person that he spoke with said that he was with XXXX XXXX XXXX. Then the guy called my husband and asked for security information because he could not recieve verify that the account was our joint account. After recieving the information he had wired XXXX checks into our joint account. US Bank sent email verifiong that the wire had been there. The next day my husband was told to send ther money back to them. That way they could put more money back into the account. My usband went to XXXX XXXX and did the transfer using his debit card. Fraud dept. called my husband and told him that he had just been scammed. when my husband tried to get the transfer stopped. Money gram said that it had already been recieved and that tey could not do anything. Us Bank XXXX chose to put a hard freeze on our joint account as well as my personal account that my daughters XXXX gets deposited. As of today both accounts are closed. I do n't feel that they have the right to hold the money that XXXX had deposited into my personal account. 
I have not been able to pay her bills or pay for her meds. I was told that a certfied check would be cut and sent to me for the diferrence last week. I have not seen anything as far as check. They have closed this account. Again I do not believe that the have the right to old those funds. I have also reported the fraud case to the police. I have added my police case number with my 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 09/20/2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (NY).
Issue: Problems caused by my funds being low

Complaint: The bank is : M & T XXXX, NY., I have been customer for several years. It seems that in the past couple years, I keep going over my account amount of money. This gets to be quite a lot of money at almost {$40.00} a hit. They sometimes reverse the transaction as a courtesy, they said. 

Most of the time, it seems to be happening in the last week of the month. 

What I want is if a company that tries to withdraw money ( using my bank debt ), be it auto withdraw or used at a XXXX, and the amount goes over what I have in the account to PREVENT it from going through. 
This would save the consumer a lot of money. I do n't know what the financial or legal steps are involved please look into this and see what can be done. Additional, although, M & T ( which is a commercial bank ), has no XXXX and understanding for the " little guy '', I would like the bank withdraws that they have robbed from me for a least the last two years. 
Please understand that every pennie is important. I am XXXX XXXX XXXX. My income comes from XXXX monthly. I receive just over {$700.00} per month for several years. No I have no overdraft protection as my credit is poor. Expenses have gone up but my income has not. 

I have taken a the steps that I can to make sure the monthly withdrawal are done after the first week. This takes into account weekends and holidays. 

They told me it ca n't be done ( block with draws that cause the account to go over. ) I say WHY NOT. Why ca n't it be changed to protect the consumer that lives from paycheck to paycheck or monthly SS. I have tried by best to ask them to prevent theses type of over changes but they refuse to work with me. 
Summary, 1. Prevent withdrawals from withdrawing if it causes account to go overdrawn. 
2. Return these over drawn charges for the past two years. Not just to me but to all the consumers in the same type of situation. 
3. Levi a fine on behalf of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: PNC Mortgage Corp. XXXX returned mortgage payment check. Reason given was funds were incorrectly written. Processing department incorrectly read cent amount and returned payment subjecting payee to late fees and and adverse credit reporting actions.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (GA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: My case was in 2011 where I had a checking account at 5th Third Bank, XXXX XXXX XXXX branch. I had the account connected to my XXXX account. I was making an international call on XXXX, which had enough money for that call. At that time I was not aware that XXXX automatically charges the debit card when the calling money runs out. XXXX did try to bill my card but it did not go through because I had insufficient funds in my account. The bank went ahead to charge me for overdraft and daily overdraft accumulation. I was n't working at that time since I had just moved to XXXX from XXXX. However, I tried everything in my power to resolve the issue with the bank to the point of selling XXXX XXXX but it never helped to stop the daily charges. I went to the bank to try and resolve the issue with the manager but he said " it was company policy ''. 
I am writing today because a XXXX XXXX XXXX, I suspect he works for a collections company at phone number XXXX contacted me about this issue and threatened to take me to court. They opened a case for me at their company case number XXXX and told me to settle for {$800.00}. 

I understand the overdraft just as I did then. I tried to resolve the issue then but the bank was only concerned with making money on a poor soul. I thought this was over the time the bank closed my account but here it is. I do n't think this is justice and fair. I need help on what to do or even legal representation if worse comes to worse. 

The bank did not pay for my XXXX credit. XXXX dropped the call because of insufficient funds. So, why do I have to pay $ 800+ on a product I did not consume? 
Please help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Last year after the whole XXXX data breach I decided to check to see if I was affected and to my surprise, I was. So then I pulled my credit report so that I can see if any fraudulent charges were on my account and there were 2 accounts that I did not know of and a lot of inquires that I NEVER authorized. I later that day went to the police station to make a report of all of the inquires and sent in disputes XX/XX/2017 by mail and called to all the credit companies along with the places that pulled my credit as per the police officers request. So far only 2 companies have deleted the unauthorized inquires. I am requesting that you please remove ALL of the fraudulent unauthorized inquires.

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 11-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Falls Collection Service Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I went on line and noticed that financial controls solutions had put a collection remark on my credit reports. This is the same collection that XXXX is trying to collect on ( but will not validate ) and XXXX is trying to collect on ( But also will not validate ). financial control has not notified me in writing that they were going to try to collect, and i have never done any business with them, nor have i signed a contract or owe them any money. I have requested validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. they have been shady and have not followed the rules set. they can not be trying to collect an account that is active with another collectin agency and they must by law give me a chance to dispute the account ( which i will through court ) before hitting the credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Inquiries that were removed was placed back 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 06/20/2015 about Credit card () with CITIBANK, N.A. (SC).
Issue: Credit line increase/decrease

Complaint: Before going on vacation, I set my CitiBank credit card online account to pay my amount owed automatically on XXXX XXXX 2015. My bill of XXXX dollars was due the next day on XXXX XXXX 2015. When I returned from vacation on XXXX XXXX, I was shocked to see XXXX emails that had been sent to me on XXXX XXXX 2015 telling me my credit limits on XXXX cards that I hold with Citi had been significantly reduced XXXX XXXX card from XXXX to XXXX and the other from XXXX to XXXX dollars ) and the XXXX had been cancelled all together. I was also charged a XXXX dollar late fee and my APR was increased from XXXX to XXXX on my remaining cards. I called the company to complain about the situation and was basically told there was nothing they could do to help me. The representative did say he would ask them to remove the XXXX dollar late charge and any remark placed on my credit report, but they may or may not help me with that. I 'm sorry that their system was acting crazy when I tried to submit my payment and it might have not went through, but this being the XXXX time I have missed a payment deadline with them I would have expected them to call me ( seeing as they had my cell number already ) or send me an email ( since they apparently had that as well ). I am in disbelief that they could do this to a customer who has never missed a payment and payed more than the minimum amount most of the time for more than XXXX years. So basically, their website was acting up ( kept freezing up ) when I made the payment and I thought it went through and because of my error I triggered a credit downgrade, a huge credit APR increase, a XXXX dollar charge and a possible derogatory remark on my credit statement. By the way, I paid the entire XXXX dollars I was told I had to pay as the new minimum payment on XXXX/XXXX/15 ( the day I returned from vacation and saw the emails ). This from a company that had to be rescued by taxpayers just a few years ago for mismanaging their assets. I do n't think this is fair and it is abusive to consumers. I would appreciate any help that you could provide me. Thank You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I am writing in hopes that you can help me to stop XXXX XXXX from a collection action where I have tried for months to get them to send me a statement that is broken down explaining all the charges and not just a final bill. I have called repeatedly and ask for this so I can get the early termination fees taken care of by XXXX as per our agreement for switching to them. They have turned my account over to a collection agency and after they called me two days in a row after me telling them not to I get a collection bill from them today. I have tried over and over to get this resolved and I have asked them to please break it down so that the bill can get paid and every time they send me a bill is only stated final bill and has all charges stated as one. I have taken this bill to XXXX where the local office accepted what I took to them but when it went in to the decision makers they would not accept it because it did not break it down to show early termination charges and any charges for service. As you know you have to pay for service to them a month in advance and I paid for the last month that I was with them and yet they say I still owe them money plus early termination fees. The early termination fees will be paid by XXXX if they will send a breakdown on the bill and not just a final bill. I do n't know what else to do to get this worked out and keep it off my credit report. I have done everything I can and they refuse to send the bill broke down as has been requested numerous times in the past few months. I hope you can get this resolved for me and help me to keep this from showing up on my credit report.

Company response to consumer: Closed with explanation