milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/25/2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Deposits and withdrawals

Complaint: My mother opened an account at Bank of America ( BoA ) several years ago for the sole purpose of being sure she had enough money for her eventual burial expenses. She opened the account as a 'Payable on Death ' ( POD ) account in her name, my name and my XXXX brothers name. She passed away on XXXX XXXX of this year. 
On XXXX XXXX I visited the BoA branch were the account was originally set up. I presented my identification, a recent BoA account statement, and a copy of my mother 's death certificate issued by the state of Illinois. Rather than distribute the funds to me, BoA provided me a form which stated they would contact me by XXXX XXXX! You can imagine the embarrassment we experienced when we had to request the funeral home to provide us extra time to pay the funeral expenses. 
This seems not only unfair to my brothers and myself, but it seems that BoA deceived my mother when she set up this account. She did this for our benefit. If she had known that POD does not actually mean payable on death to BoA, she never would have set up this account. 
BoA has had the advantage of being able to make money from this deposit account for the last 10 years. This has caused immeasurable harm to our family.

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 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
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   is reporting on my credit report a late payment in  XXXX  of 2016 and failed to fix the problem I attached a letter from  XXXX  verifying and confirming the error but they still failed to address error

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I get harassed all the time even when I 'm in school or deferred from XXXX..to evening..I owe a XXXX dollars now it 's a never ending struggle.I just want an end to this never ending cycle.with no help at all

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: This is regarding the complain that was filed in  XXXX . Complaint #  XXXX . All concerns was addressed  EXCEPT the Dept of Education com plaint. Account #  XXXX  which are  XXXX  accounts. Both showing delinquent with a balance. This account has been paid and never delinquent. The information was sent to Equifax in  XXXX . They never responded to this particular issue. A letter was sent to Equifax b y US Dept of Education a nd I sent the same letter. Also, a updated letter was sent to Equifax, stating this account was paid in full and never late in  XXXX .

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. (WA).
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: Requested to dispute some items on my credit report with Equifax that sent an updated report saying items had been verified which I didnt agree with so I sent in a letter to investigated and show me physical proof of the verification they received which they have yet to do they sent another report saying investigation is complete and yet again verified but they have not sent are shown me any physical proof. I also filed a complaint on the company reporting the information to the credit bureau. Received an email from the company saying they have no record of me or any of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is a negative mark against me that should have been taken off years ago!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with TD BANK US HOLDING COMPANY (FL).
Issue: Other transaction problem

Complaint: BANK IS BLOCKING MY ACCOUNT FROM MAKING TRANSFERS TO XXXX XXXX. BANK IS NOT ALLOWING ME TO LINK DIRECTLY ON THEIR WEBSITE FROM XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: the credit reporting agency are not CONTACTING the creditors under the FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ) The Following account below have incorrect HIGH BALANCE! ALL ACCOUNTS BELOW SHOULD REFLECT A {$0.00} ( XXXX ) HIGH BALANCE! 

1. XXXX XXXX XXXX # XXXX {$3300.00} 2. XXXX XXXX # XXXX {$680.00} 3.XXXX XXXX XXXX XXXX XXXX {$2500.00} 4.XXXX XXXX XXXX XXXX # XXXX {$4800.00} 5.XXXX XXXX # XXXX {$1000.00} 6.XXXX XXXX XXXX  # XXXX {$13000.00} 7.XXXX XXXX XXXX XXXX {$480.00} 8.XXXX XXXX # XXXX {$5000.00} 9.XXXX XXXX  # XXXX {$1000.00} 10.XXXX XXXX # XXXX {$41000.00} 11.XXXX XXXX # XXXX {$3600.00} 12. XXXX XXXX # XXXX {$1000.00} 13. XXXX XXXX XXXX # XXXX {$970.00} 14. XXXX XXXX # XXXX, This account was Opened XX/XX/XXXX Not XX/XX/XXXX Florida Federal Court -XXXX Docket # XXXX, The filing date of XX/XX/XXXX is incorrect! the correct filing date is XX/XX/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 01/25/2016 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (GA).
Issue: Using a debit or ATM card

Complaint: my wallet was taken and I had my pin written down on a piece of paper someone used my debit card along with information on my drivers license to cash a counterfeit check into my account. XXXX XXXX XXXX honored the check without positively identifying if the person was me. I filed a claim regarding identity theft but the did n't honor in my favor because my in was used. I do n't think that was fair because I did n't expect anyone to steal my wallet and I did n't expect XXXX XXXX XXXX to not be more careful identifying me before cashing a check from a name, state and place, that has never been used in my account before, based on activity in my account you can clearly see that my account was used for direct deposit from my job. please help me I need a bank account and this is preventing me from getting XXXX anywhere.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I   had a car loan with   XXXX   XXXX   XXXX  , in  XX/XX/XXXX  the car was totaled and the insurance company was to pay the car in full, The insurance co forgot to mail the payment to   XXXX   causing additional fees.   XXXX   received the payment in XX/XX/XXXX .When the payment was applied to the account I did not receive a payoff letter on a bill showing the balance and no payment due. This has gone on for a few months until I called customer service to find out why I was still receiving a bill. I was told that the payoff balance was short and I explained how can that be when after the insurance company sent a a payment plus I sent an additional {$420.00} to close the account.
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For several months a tried to get this resolved, I was told by several customer service reps that   XXXX   does n't mail out payoffs and that 's when i filed a complaint with the better business bureau.
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 XXXX  poor business practice has errouneously reported incorrect information to the credit bureau. My account should have been paid ahead until the issue was resolved. I filed a complaint with the credit bureau, my account was reporting 60 to 90 days late,   XXXX   being spiteful replied that the issue is resolved and now changed the account to 90 to 120 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Credit card () with BARCLAYS BANK DELAWARE (NC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I found fraudulent activity on my credit report in XXXX, 2015. 
I disputed the information with the XXXX credit bureaus and filed a fraud alert. 
I also called the XXXX creditors to report the fraud. ( XXXX, Barclays, and XXXX XXXX. ) The companies said the accounts were being closed due to fraudulent activity. I have never heard anything else back from them. I have tried to call back and am unable to reach anyone with a record of my dispute. 
The fraudulent activity is still being reported to all XXXX credit bureaus and I have tried to dispute this information again. The companies ( XXXX, XXXX, and XXXX ) do not investigate the fraudulent activity. They call the creditors to verify it is my account and then close my dispute. They are not investigating the fraudulent charges on my account. I have not made any purchases on these accounts. ( XXXX, Barclays, XXXX XXXX ) nor any payments. My credit file shows payments being made on these accounts as well, and I have checked my banks statements for the last two years and have not made any payments on any of these accounts. 

I received XXXX transaction history report from XXXX which was about XXXX pages long and I did not make any of the purchases on the report. 

I have not heard anything else from any company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX fraudulent accounts that were opened in my name with XXXX XXXX XXXX XXXX XXXX. I 've notified XXXX XXXX XXXX XXXX XXXX of this as well as Experian. I 'm not sure as to how someone obtained my personal information. I even sent them a copy of my Identity Theft Report Affidavit and they have failed to remove this account. I am not responsible for it and it is bring down my credit score. This has been disputed since XX/XX/2016.

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 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Enterprise Systems, Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently had an collection account added to my credit report and I do not have no knowledge of this collection account

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I called Synchrony Bank at ( XXXX ) XXXX on Wednesday, XXXX XXXX, XXXX at approximately XXXX XXXX to discuss an abrupt hike in my monthly payment amounts on two jewelry purchase accounts which I have with Synchrony Bank, associated with jewelry purchases made at XXXX XXXX XXXX 
The Synchrony Bank associated with whom I spoke, named XXXX, stated that on my more recently opened of my two XXXX accounts, a late fee of {$27.00} had been assessed, allegedly pursuant to said account being set up by XXXX XXXX, XXXX. I corrected XXXX for assessing XXXX XXXX arbitrarily as the set-up date for the account, since I actually set up the account with XXXX XXXX XXXX on Saturday, XXXX/XXXX/XXXX as sales receipts clearly indicate. It would be perfectly unreasonable for a payment, first estimated to be {$93.00} and mysteriously escalating to {$100.00}, to come due on the XXXX of the following month, as I explained to XXXX, who became very evasive with me, to the point of continually wanting to get off the phone rather than to confront the issues that I was raising, blaming XXXX XXXX XXXX ' record-keeping although the documentary trail on the merchant 's side is clear. 
When in response to XXXX 's evasiveness I advised her that I would refer the matter to someone who could help me resolve this problem, XXXX expressed concern not over any issues raised, but rather over the possibility that I might involve regulatory authorities. 
I have ongoing issues with XXXX 's business practices, especially the dearth of firm paperwork, mirroring that of companion merchant XXXX XXXX XXXX, clearly specifying as opposed to verbally estimating fees, and subsequently accumulating and assessing late fees with no warning in terms of dunning letters or other clear advisories as to payment terms prior to assessment of late fees. Statements are rare, and usually serve only as notice of late fees already incurred.

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 01/14/2016 about Debt collection (Payday loan) with Coastal Financial Solutions, LLC (IL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: The debt collector contacted Me via Cell Phone XXXX XXXX. At this time she told me I had a Debt of $ XXXX and needed to resolve this before she sent me to jail for writing a false check. Understanding that I do owe the debt, we worked out a payment arrangement. After a 30 minute discussion about my bills and what I could afford, she came up with a schedule, and amount of payments to be made ( Monthly Payments, XXXX at {$60.00} Each and XXXX for {$25.00} Each totaling {$220.00} payments for 6 months ) and she would eliminate the debt completely. After satisfying all payments, The last of which was in XXXX, I assumed the debt was settled. She then started calling me XX/XX/XXXX saying we need to set up a payment agreement to finish of the rest of the loan amount, and that we had never agreed to what i had already paid. After multiple harrassing phone calls in the very early morning and late evening, I called and left a voicemail. I told her specifically that i could not afford to continue paying anymore and that I could afford to pay off whatever we could agree on in XXXX When i get a little extra pay. XXXX XXXX She called my wife 5 times asking for me. After my wife answered she explained to the lady that this is unacceptable behavior and asked what this was about. The lady rudely said that her supervisor took the account from her a week ago, that he had taken it to their attorney 's office, Issued a warrant for my arrest, and i was to be served with papers the following business day. I Immediately received a frantic call at work from my wife telling me what was happening, and called her back. This time her story changed. They had n't Issued a warrant yet, and she could stop the process if i set up a payment agreement. So i set up a payment agreement, and intent to fulfill it. She asked me the payment dates, and i gave her specific instructions to deduct our agreed XXXX {$100.00} payments on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. After our conversation she said she would send me an email containing the payments, and that if i did not complete it asap, the warrant would still be issued and i would be arrested. The form she sent me has different dates on it Payment # 1 XXXX/XXXX/XXXX for {$100.00} & Payment # 2 XXXX/XXXX/XXXX {$100.00}. This is not our agreement and i can not afford to be jailed for a {$600.00} check i never wrote! Any help would be appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Student loan (Non-federal student loan) with KEYCORP (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In reference to my previous case XXXX, I want to file a formal complaint about the Ipso Facto Clause within the promissory note, which allows the automatic default by the lender upon a creditor 's formal bankruptcy filing. This was the damning clause for me as all my other private/federal loans went into a state of forbearance due to them being student loans. As such, they were not included within the formal bankruptcy debts to be discharged. KeyBank was the only institution that enforced this clause out of all my student loans held and after my discharge the debt went to collections. I feel it an unfair and highly unethical practice to allow lenders to include this clause within the contract if student loans are not dischargeable under normal bankruptcy proceedings, without proving undue hardship. As I made no attempt to prove such hardship during my filing and the inability to regularly discharge the debt, I feel the CFPB should move to block this type of institutional maneuvering and provide consumers with a more fair chance at repayment. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This bankruptcy has been paid and closed other credit reporting agencies is nolonger reporting it because they show a big different in my credit score only equal fax is still reporting it

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've had some fraudulent activity show on my credit report and have been working hard to clear it off. TransUnion is reporting a TAX LIEN for $ XXXX?! /? and it 's not mine. They still are reporting it and wo n't remove it. It 's with a court in CA and when I go to that court 's website you ca n't pull up any records showing this. I 've never owed any taxes like that in my life. Someone used my information to either run a business into the ground and that 's why their 's taxes.. i do n't know. Please assist me to have transunion conduct their process. Also there is XXXX collections but the tax lien was the main problem.

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 09/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: My capital one venture cards states that I have XXXX miles available for rewards travel. When I went on line and called to try to redeem these 'miles ' for travel, I was informed that the 'miles ' advertised were not really 'miles ' and that XXXX miles could only be redeemed for {$250.00} in travel. I live in XXXX Alabama, {$250.00} in travel dollars is roughly 250 miles or round trip to XXXX. This is fraudulent at best. Thank you for your consideration of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Debt collection (Other debt) with ERC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: ERC a 3rd party collection requesting payment not owed. ERC stating the oringinal company is XXXX XXXX. I have asked for signature with contract with ERC. This debt is not owed by me. I am requesting for all harassment to stop and if this is reported on credit bureaus needs to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Transunion took inquries off my report and them added them back with more inquires I did not authorize. I have contacted transunion multiple times to fix this issue and nothing has come of it. They are inquires from XXXX XXXX, XXXX XXXX, 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 explanation
Consumer complaint received 03-09-2017 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Deposits and withdrawals

Complaint: I have multiple accounts with USAA. ON XXXX/XXXX/17 USAA. On XX/XX/2017 I deposited a {$300.00} USPS Money order made out with me as the Payee into my Checking account. According to their Depository Agreement the funds should have been available with in 2 business days. USAA put a 7 business day hold on the funds. On the day before the funds would be released I had a balance of {$220.00} and an available balance of {$23.00}. At this time a {$30.00} ACH payment was presented. This would have caused a {$7.00} negative balance. My overdraft protection linked to my USAA Account Card was charged {$100.00}, but the {$100.00} was never deposited into the account, in direct violation of the depository agreement. At this time, I try to make a payment with my Checking Account Debit Card thinking the {$97.00} remaining from the overdraft transfer is in that account, but it is denied for insufficient funds. But, I ca n't use USAA Account Card because the {$100.00} overdraft transfer has been removed from it. The response from the CEO office 's representative was I ca n't help you, I 'll add it to the discussion list at our next meeting to see if something needs to be changed. Totally unacceptable.

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