milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/16/2016 about Bank account or service (Checking account) with First Data Corporation (NC).
Issue: Making/receiving payments, sending money

Complaint: My check was declined with a local merchant as a result of Telecheck. When speaking with their representative, I was met with individuals with a strong foreign accent. However, I could cope with that more so than I could the fact that they were unable to give solid details on why the check I wrote was declined. I understand that this company is meant to protect merchants. But my checking account had the funding available. They inform me that my driver 's license was connected to an account at a bank that I have never frequented. In fact, there is no bank of that name in my city. In my efforts to the have the issue resolved, I was hung up on once. But as I continued to call back I was met with some very professional individuals who explained more clearly what was transpiring. However, my ultimate concern is whether this company should be merging the efforts of guaranteeing checks and debt collecting within the same umbrella. When the two purposes are merged into one, you have chaotic experiences like this one. While I have never had a checking account with the alleged bank in question, I am being treated as a fraudulent person. There is no rational reason for denying my check with thousands available simply because of an account with another bank. Even if I had that account, would n't it be feasible to simply contact me about it rather than create a massive issue via denial of my active checking account. This is not a credit issue. This is my money which I should effectively be able to spend at my leisure with any vendor. I am not confident in this company 's operation and I certainly am not confident in their ability to follow through and effectively investigate the matter as they claim they will. After about an hour of communicating, I am pretty confident that they will not adequately handle this situation and I may have to resort to a lawsuit with them and the vendor. They were unable according to the representative to provide any pertinent information about the alleged account. This is a direct violation of my rights as a consumer. I required full disclosure of the information for which they had on file as well as details on the account that triggered my denial. However, they were unable to provide and instructed me to complete a form so they could begin an investigation. The company has already taken adverse action against me by denying the approval of my check. The investigation should be required before action is taken is the method most suitable for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I 'm unable to file a dispute online, if keeps saying unable to process. There is a fraud alert that does n't need to be on my account

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. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Myself a s well as a paid firm (  XXXX   XXXX  ) has repeatedly disputed  XXXX  negative item that only Equifax refuse to delete. On   XX/XX/XXXX ,  I spoke with a Equifax dispute  rep.  Who advised that she would dispute the erroneous account for   XXXX   XXXX   XXXX    formerly known as   XXXX   XXXX   XXXX    XXXX   XXXX  ( Account #  XXXX  ) ( Dispute reference #  XXXX  ).     After calling in on   XX/XX/XXXX     to verify that the dispute process had started I was advised that the creditor verified that the information they provided is accurate. At that time I again explained that the account was erroneous as the monthly payment, the past due amount and the status 120 days was all frivolous and I need written proof verifying how they proved that this information was in fact correct. At that time another investigation was started and I was provided with dispute reference #  XXXX .     I again wait ed 24 hours and c alled back into Equifax to verify that the process had in fact started as was advised they had already disputed the account and that the creditor had verified the informati on. Might  I add, during thi s 2nd request  I provided my original contract showing my payments as well as additional information. It was know way possible this could be verified as accurate.     After major frustration and countless hours of trying to get the issue resolved myself, I broke down and paid  XXXX   XXXX  over a {$100.00} to intervene. I provided  XXXX  Law with my original contract and Bankruptcy documents dated back in   XX/XX/XXXX   showing that the loan was part of a BK and that the creditor is reporting every month for the past year that I was 120 days late and that my payment is {$200.00}. All of this information is erroneous.     On   XX/XX/XXXX ,  Equifax came back once again advising  XXXX   XXXX  that the account was valid and they are reporting the account accurate. After my providing proof and requesting proof from Equifax as to how   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  verified the account I was told that my claims where frivolous and I did not receive any information from Equifax verifying the process used to validate this account.     Furthermore, Equifax refused to dispute and remove the fraudulent inquiries dated after providing information from the FTC as well as a police report.       XXXX   -  XXXX   XXXX   XXXX   XXXX    XXXX   -  XXXX   XXXX   XX/XX/XXXX    -  XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX    -  XXXX   XX/XX/XXXX    -   XXXX   Please assist me with this issue as I can not offered to keep paying attorneys for something that has been proved numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Bank account or service (Checking account) with FIRST NATIONAL BANK OF OMAHA (TX).
Issue: Deposits and withdrawals

Complaint: The bank in question is First National Bank XXXX located at XXXX XXXX XXXX XXXX TX XXXX. 
The bank has put hold on my funds in my business account in name of XXXX XXXX XXXX XXXX. I am a XXXX customer.Bank never issued me hold notice when deposits were made or even on next day as required by reg cc. The deposits are now 2 to three weeks and are collected as I understand. 

This hold was an afterthought. 

I was told that the funds will be held for 30 days with out mentioning from which day and irrespective of when it was deposited. I believe that this is not with the reasonable timeframe of reg cc. 

The bank confirmed that funds would have been collected by now. That eliminates the ground for concern that the fund in check will not be collected. 

I need help from CFPB in the following. 


1. Please bring to notice of the bank that they have violated the norms by holding the funds with out giving me notice. 

2. It may be a violation to hold the funds after the funds are collected, the hold is for unreasonable period and should be lifted. 

3. Customers trust the banks with their money. If banks do not give customer 's money, it is attack on institution and I need CFPB to make sure that. 

4. I was told by the branch manager that he is following advice of their legal department. Please investigate the legal and compliance team to make sure such unreasonable actions violating the norms are not taken. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Medical debt) with I.C. System, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: My credit report is showing I owe, two separate balances, to XXXX XXXX XXXX. The two amounts showing owed are for {$510.00} and {$630.00}. 
At the time of receiving medical attention, in XX/XX/XXXX, at XXXX XXXX, I was under the impression that my insurance would be covering 100 % of my medical expenses. At the time of my visit, I was informed by XXXX XXXX, that my insurance was accepted and I did not need to come out of pocket for any expenses. 
I am just now, in XX/XX/XXXX, becoming aware of my insurance not being accepted by XXXX. 
Shortly after my visit to XXXX, I went through a divorce, became unemployed and relocated out of state. 

I recently looked into repairing my credit and became aware of these accounts. When I contacted XXXX, I was told that these accounts were too old for me to dispute. I was never even notified of the debt, nor given information about being able to dispute the debt. I also requested to apply for financial assistance, but was denied. 

These accounts have reached the statute of limitations in the state of Utah.

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 08/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Robinson, Reagan and Young PLLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I cancelled my XXXX service on XXXX XXXX, 2015. I was told by the representative that my final balance was XXXX. XXXX never sent me any bill or demand. Instead, on XXXX XXXX, I received a collection letter from XXXX, a collection company. I filed a complaint with the Bureau of XXXX Financial Protection, and XXXX ceased working on my account XXXX Case number : XXXX ]. Subsequently, on XXXX XXXX, 2015, I received a new collection letter from a different company : Robinson, Reagan and Young, P.L.L.C. Since I have never received any bill or request from XXXX, and since they referred my account to collection agencies after telling me I had a XXXX balance when I cancelled, I am filing this complaint.

Company response to consumer: Closed
Consumer complaint received 03/25/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Current Case No : CFPB XXXX. Your agency contacted XXXX and XXXX ( phone XXXX ) responded by stopping the daily harassing phone calls and " approved the fraud claim ''. The unauthorized charges were reversed. However she states that she will continue to contact me by mail and bill me for " service fees ''. My credit score of XXXX dropped to XXXX when she reported the erroneous credit card charges to Equifax credit bureau as well as XXXX and XXXX. She is not willing to correct their mistakes. I contacted all of the credit bureaus as well as FCC. 
Equifax states that they can not change it without the cooperation of XXXX even though I sent them the apology letter and documentation of charges being reversed as theft. My bank ( XXXX ) alerted me to the credit report or I would have never known about the negative false report. Your help again would be appreciated. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Student loan (Federal student loan servicing) with Collection Technology Incorporated (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have been dealing with wage garnishment for the last 2 months. In attempt to stop this and make payments on default loans. I have been denied to consolidate and also to rehabilataite. I have exhausted all options and afraid I will have to file bankruptcy. I have no had a steady job since leaving school in XXXX. I finally have one along with XXXX children, I can not sustain a healthy life because all my disposalable income is taken without having a fair opportunity to set up plans to pay it back. I am counting on my tax return to finally pay off some past due bills, now I 'm afraid it will go toward a wage garnishment. I need help so I ca n't start sleeping again. I am trying to set up Payment arrangements but my options that they are giving me is only wage garnishment. There must some way to get me back on track without taking all my disposalable income from me every check ... again i eant to pay it, and it almost makes sense to quit my job and try to find work u see the table, which I truly dint want to.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX, I thought I was selling my house on XXXX XXXX and I requested my XXXX installment of my taxes ( Due XXXX XXXX ) be paid early, so I would have less cash to bring to closing as my house is still underwater. Instead, as I found out later, CCO mortgage put a hold on my escrow so the taxes would not be paid. My closing date was changed then finally canceled as the sale fell through. On XXXX XXXX, I spoke to XXXX people at CCO mortgage trying to find out why my taxes were not paid. The XXXX person I spoke to in the tax and escrow department, told me there was a hold on the escrow. The XXXX person in customer service dept. said the hold on the escrow had been canceled on XXXX XXXX. The XXXX person I spoke with in the tax and escrow dept said CCO could not pay the taxes for 15 days ( XXXX XXXX which would have been late ). The last thing I said to her was " forget it, I will pay it online ''. That night I paid my taxes on line, so I would n't be late. Then 5 days later they sent a check, after I was told it would take 15 days. I am extremely angry at that the incompetence of everyone I have spoken to or emailed at CCO mortgage. 1 ) my request for the taxes to be paid early, was ignored. 2 ) instead of paying the taxes early, they put a hold on my escrow against my wishes. 3 ) The XXXX person in the escrow dept and the XXXX person in the customer service dept told me XXXX conflicting statements about the hold on the escrow. 4 ) the XXXX person in the escrow dept told me it was impossible for the taxes to be paid on time, because it would take 15 days to pay it, which was wrong. 5 ) I told the XXXX person in the escrow dept I would pay it on line. Then 5 days later they paid it. 6 ) Now they tell me I have to go get my money back from the county after when their check has n't even cleared yet. I have never in my life dealt with such incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are some closed collection accounts on my credit report which do not belong to 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 non-monetary relief
Consumer complaint received 04/25/2017 about Debt collection (I do not know) with PNC Bank N.A. (PA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have just filed and had accepted my complaint with the DONOTCALL.GOV website. I will summarize this information for you here as I wish to also file a complaint with you for the actions taken by  PNC BANK  and its representatives.   Just as a point of information, I have NEVER EVER in my entire life done any business whatsoever under any name whatsoever with  PNC BANK  or its affiliates.   My phone number is   XXXX   XXXX   XXXX   XXXX  . I was given this phone number sometime around    XXXX   XXXX      when I moved to  XXXX , PA.   Shortly after I got this phone number, I began to get harassing phone calls from  PNC BANK  and  PNC BANK FINANC identifie d by a "  XXXX  '' area code. The caller is always looking for   XXXX   XXXX  .   I have repeatedly advised  PNC that I am not and never have be en  XXXX   XXXX . In my entire life I have never ever heard of  XXXX   XXXX .   I have also repeatedly aske d PNC to s top calling me looking for  XXXX   XXXX .   Despite all of my numerous effort s, PNC absolutely refuses to stop  calling me day after day after day, hour after hour after hour demanding to speak to  XXXX   XXXX . And they likewise refuse to accept that I am not and never ever have been  XXXX   XXXX . And  PNC adam antly refuses to accept that they are calling the wrong phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Bank account or service (Checking account) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: I have online bill pay through Union Bank. In XXXX, I had XXXX bills to be taken out on XXXX XXXX, totaling {$220.00}. Because of the holiday on XXXX XXXX, they paid these XXXX bills on XXXX/XXXX/2015, overdrawing my account and then charging me {$33.00} for each online payment. ( {$130.00} total ) I have my small pension automatically deposited on the XXXX of each month, so my money was not in there on XXXX/XXXX/2015. I phoned them and asked for that {$130.00} overdraft fee returned and they said it was not the banks error so they would not return the fee. I said it was the banks error because they paid my bills early and they disagreed. I told them I would file a complaint with the CFPB and they said they would give me {$99.00} back, but not all of it. I told them I would still file this complaint if they did not refund the entire amount. I, then had XXXX checks presented and because I was overdrawn the {$31.00} ( because I had not gotten the entire overdraft penalty back ) they charged me another {$66.00} overdraft penalty. I phoned the temporary branch manager to talk to her and she would not return my call. Union Bank has my mortgage and, once when I complained about some charges, one of the reps stated, " We will always have your mortgage! '' I am in the process of changing banks, but this is so exasperating! I have banked with them for 30 years. I have my SSI and Pension automatically deposited. They are brutal charging the fees and heartless when I need help. I only have 2 more years on my mortgage, so I am happy to not have much longer to deal with this horrible!!! bank. When the banks were having their charges look into by CFPB I mysteriously had a deposit made into my account by UnionBank, not telling me why! I am thinking it was for past fees they charged me that they should not have charged me initially. As I see it, they owe me {$33.00} from the early payment of my bills online and the {$66.00} they charge me because they would not return the entire {$130.00} overdraft fee. Thank you for looking into this complaint. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-09-2017 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (MD).
Issue: Making/receiving payments, sending money

Complaint: I sold a gift card on my eBay account and i followed the rules and regulation in regards to selling that gift card on the eBay website. I had the payment information go through papal and papal received the money from the customer and told me that it was OK for me to send the gift card to the customer. The customer sent me an email to send the gift card to her email for faster shipping. i sent the gift card to the customer as instructed. pay pal waited 21 day to put the money in my account. after 2weeks of receiving the money pay pal send me an email saying the customer filed a dispute with her back that she never authorized the payment from her account. pay pal went ahead and did there investigation and said unfortunately they are unable to reimburse me because the transaction was not covered under pay pal seller protection.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My name is XXXX XXXX XXXX and my wife is XXXX XXXX XXXX. We reviewed our credit report online. I noticed that my XXXX 2014 Mortgage payment is being reported late. The payment was made on time and I have attached the documents to support this payment. Please feel free to contact me if you have any questions or need additional information. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Debt collection (Other debt) with CITIBANK, N.A. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I saw I was in collections with XXXX XXXX XXXX  through My credit report for XXXX XXXX XXXX I reached out to both companys requesting an iteamization /complete bill breakdown XXXX XXXX XXXX informed me they had no record of it and instructed me to contact the collection Agency which I did and was Only emailed a form stating there was a past due balance of XXXX there was nothing stating what the charges were for there for the debt dose not exist.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I may have been compromised due to the equifax hack. I am taking steps to prevent harm towards my account and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I AM THE VICTIM OF IDENTITY THEFT AND ATTEMPTED TO GET  XXXX  ACCOUNTS BLOCKED VIA FCRA  605B.   XXXX . )  XXXX   XXXX   XXXX . )   XXXX   XXXX  . THEY HAVE MADE IT EXTREMELY DIFFICULT TO GET THIS BLOCKED. PLEASE HELP

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