milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2018 about Checking or savings account (Checking account) with U.S. BANCORP (SD).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XX/XX/XXXX I met with XXXX XXXX XXXX at the XXXX XXXX main branch located at XXXX XXXX XXXX XXXX. The meeting was to discuss issues with my accounts and some errors that occurred. I indicated that I was told by the banker that opened my account that my personal & business accounts were free due to my veteran status. It was at this time that my account was signed up for a debit card, checking account, and paperless statements. 

Account ending in XXXX was charged off on XX/XX/XXXX for an amount of XXXX of which XXXX was a charged off account fee and XXXX was " monthly maintenance fee ''. XXXX XXXX stated that " This was not an appropriate account due to my veteran status I should have had a " Platinum Money Market Account '' ( Consumer Pricing agreement attached ) This account came with no fee. She stated that " it is not necessary for a banker to ask every customer if they are a veteran. '' My bank statements confirm my customer segment as " Military ''. XXXX was unable to determine why I was charged a fee. I indicated that I expected the account re-opened and the fees waived as I qualified for a much better product that was more appropriate. 

Account ending in XXXX was charged off on XX/XX/31 for an amount of XXXX of which {$30.00} was " charged off account fee and {$15.00} was " paper statement fee '' I indicated this was incorrect as numerous statements i have received in the past showed a fee posted and credit back on the same day. XXXX was unable to provide satisfactory explanation for the situation. The attached document shows no monthly fee for the account. 

I spoke with XXXX XXXX on XX/XX/XXXX she indicated that the fees for the above mentioned accounts were waived. There was no explanation given as to the cause of the fees. She further indicated that US Bank would not be re-opening the accounts. I confirmed with her that even though US bank had grossly erred in charging me fees that were incorrect, and the negligence by the bank that caused me to be in an inappropriate account they would not be rectifying the issue. She confirmed and the phone call was ended.

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 10/26/2015 about Bank account or service (Checking account) with Empowerment Ventures, LLC (IL).
Issue: Deposits and withdrawals

Complaint: My rush card was inactive for seven days.. I was expecting my pay check on Wednesday XXXX XXXX and did n't gain access to my funds until XXXX XXXX I called numerous times only to be hung up on. Whenever i did get someone on the line, they ran the same script saying they will call me back with information as it becomes available to them. I will no longer be banking with rush. They caused my light bill check to bounce ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On or about XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX someone with an intercepted copy of my XXXX  Driver License was able to pay cash at the Federal Bankruptcy Court Clerk window to file three skeleton chapter XXXX cases without ever listing a single creditor. As I was not aware of the filings I never completed the documentation necessary and each was Dismissed and Closed without any creditors even notified. I was having financial difficulties at the time and would have utilized the filings to fix my status but as they were not filed by me I was unaware. 

I disputed this information with the three major Credit Reporting Agencies who of course violated the FCRA by not validating my concerns with the original credit furnisher but rather a third party not involved with this dispute. I was then recently told by law enforcement to file an affidavit with the Federal Trade Commission as a victim of identity theft during this non sensible event. 

US Bankruptcy Court XXXX case numbers XXXX, XXXX and XXXX are all completely bogus. No dollar amounts, nobody benefitted and only I have been harmed. I also had a direct conversation with the Clerk of the Court who stated he has never had a Credit Reporting Agency call to validate a case and that his court would never do that with a third party either. Please contact XXXX XXXX at XXXX as the Clerk to verify this info.

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 12-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: TransUnion is reporting a Paid, Federal Tax Lien that has been withdrawn by the IRS on my credit report with them. I have received a Form XXXX Certificate of Release of Federal Tax Lien and Form XXXX, Withdrawal of Filed Notice of Federal Tax Lien from the IRS, which I have sent to TransUnion twice. Most recently I received a letter from TransUnion dated XX/XX/2016, and the tax lien remains on my credit report. 
It is my understanding under the XXXX the IRS will allow Withdrawn Tax Liens to be removed from credit files, which is what I have been requesting TransUnion to do to no avail. XXXX and XXXX have both removed the tax lien, I see no reason why TransUnion will not.

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 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I messaged Toyota XX/XX/XXXX advising them that I had a XXXX baby and due to unexpected financial expenses and out of pocket medical cost that arose due to this XXXX birth I was going to be late on my payment. The message follows : Hello, I will be submitting a XXXX XXXX dollar payment XX/XX/XXXX. I will be submitting an additional XXXX XX/XX/XXXX. This will cover XX/XX/XXXX payment and XXXX of XX/XX/XXXXpayment with the following XXXX to complete XX/XX/XXXXpayment to be paid XX/XX/XXXX. I have fallen behind because I had a XXXX baby born XX/XX/XXXX and had many out of pocket expenses that I needed to cover after the ordeal. '' I reached out to them again via the secured portal XX/XX/XXXX and they advised me to send all correspondences to XXXX XXXX, IA. There was nothing resolved in my request at this time either. I followed up with a certified letter XX/XX/XXXX, asking that these late fees be waived and again still nothing. I spoke with XXXX an agent at Toyota XX/XX/XXXX and she advised me to dispute with the credit bureaus. That was done and the bureaus directed me back to Toyota who provides the info. 

I am asking for the payments reflecting late XX/XX/XXXX and XX/XX/XXXX to be waived and updated. Thanks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/23/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX I entered into a mortgage modifaction with ocwen mortgage thank took several months to get after hundreds of phone calls and sending information that they required for the mod several times. I entered into the mod that was to begin in XXXX of XXXX. I was told to have an amount of money in the bank by fed of XXXX that they were going to withdraw on or before XXXX XXXX XXXX in witch they did. then the agreement was to begin making my need discounted payments in XXXX of XXXX. I made all my payments on line and on XXXX of XXXX it would n't allow me to so I called them and I was told by them that my mod was cancelled for not making the down payment I was to make in XXXX. So I told them at that time that I did make the payment and you took it out of my account on XXXX XXXX XXXX. They told me that I was not in the modifaction till XXXX XXXX so that is did n't count for that and they used that for back payments. At that point I could no longer trust or make any other deals with ocwen. I have made hundreds of calls to them that goes direct to XXXX and you can not understand any of them. In XXXX they pad locked me out of my home and still have not forclosed on his home and are every month reporting to my credit for not paying. I have all documents showing that I did everything I was told to do door this modifations including all bank withdraws contracts showing all the dated and a letter from them stating why the mod was cancelled. They have no right to stop this mod and are now holding my credit hostage and are still calling me to enter into another mod

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I ask that your supervisors look into a complaint sent in last year concerning ( BOA ) Bank of America and execute an administrative proceeding on my behalf. On the first complain which I submitted to your bureau, BOA unnecessarly foreclosed on my home due to failure to conduct a modification in a timely factor, refused my right of appeal and inadequate service in calulating our income and financials. By your bureau contacting BOA, there office of the president refered me to there consumer advocate which was suppose to handle the concern but it conducted themselves in the same manner which caused the unnecessary foreclosure due to there neligence. I would appreciate for your supervisor to look at previous documents and documents which I will enclose in the mail with file number, in case BOA have lost again, so this matter can be resolved and BOA pay redress in equitable monetary relief and damages for there mishandling on the matter. BOA has given me the run around since XXXX and its now XX/XX/XXXX. The BOA advocates kept passing me along and asking to resubmit documents and statement they should already had multiple times and still making the same mistakes.

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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: On XXXX XXXX, 2017, I wrote this credit repository and all the creditors being reported incorrectly on my credit report. There are several collection accounts that I disputed which does n't belong on my credit report. Requested validation documents to be provided to me and I have not received what I am lawfully requesting and it is more than 40 days now. How can the bureaus report that such disputed items have been verified? How did you verify the information? Is n't it unfair that I did not receive validation documents within the required timeframe as stipulated by the law, you being able to verify the pieces of information and me, on other hand can not?! What documents did you use in your investigation? Is n't that a violation of FCRA. Not being able to provide validation documents. Reporting an item verified when they are unsubstantiated?

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 10-03-2016 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (NY).
Issue: Settlement process and costs

Complaint: My parents ( XXXX and XXXX XXXX ) had a reverse mortgage on their property at XXXX XXXX XXXX XXXX XXXX XXXX. This reverse mortgage was recorded with the City of XXXX from XX/XX/XXXX-XX/XX/XXXX. My father passed away XX/XX/XXXX. My mother repaid the mortgage on XX/XX/XXXX. My sister and I want to put the property in our Mom 's name. Due to doing a title search. There is still an outstanding lien. The Financial Freedom Company has not completed the process of submission to the City of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: Despite my three written request, the unproven noncompliant account listed as XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, as XXXX and XXXX has already removed the accounts and the accounts still remains on my Equifax credit report they are in violation of the Federal Law. In the result of your re-investigations, you stated in writing that you " verified '' that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? Due to their continued willful disregard of the law. I intend to pursue litigation in accordance with the FCRA to seek relief and recover monetary damages that I may be entitled to under Section 616 and Section 617 If the noncompliant, unproven, unverified account is not deleted within 10days. I have filed a complaint with the Attorney generals office. A copy of this complaint and all three certified letters that I have sent your company will be submitted as evidence in the pending litigation provided that you fail to comply with this offer for settlement. The law is very clear as to the civil liability and the rememdy available to me Section 616 and 617 ) if you fail to comply with the Federal Law. please deleted this account Immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CT).
Issue: Trouble during payment process

Complaint: I am concerned about the corrupt activity going on with Mr.Cooper formally XXXX XXXX  XXXX. The company lied about my earlier complaint suggesting that I had mistakenly authorized 3 loan payments in the month of XX/XX/XXXX. When I log into my account to view payment history they have failed to post the 3rd payment they illegally withdrew from my bank. After several calls and countless time on the phone with customer service representatives and supervisors, I have still not gotten my insufficient funds XXXX dollars paid back caused by their illegal withdraws on my account. I have provided a bank statement showing the fees as well as a voided check. This company did not pay the earlier overdraft fees of XXXX dollars which my bank paid when they withdrew the 2nd mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian has failed to provide valid proof that they verified the accounts in dispute. I 'm filing a lawsuit for all the violations. By law you can not have accounts on my credit report that you can not provide signatures for once disputed. Unless removed I 'm suing for all violations. Please refer to documents attached.

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 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, XXXX, I attempted to re-finance my XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, CA. I was doing this so I could get a lower payment amount by starting a new loan even though the APR would increase by about 1.5 %. 

I have made all payments on time. I have made all payments on ALL of my credit cards on time as well since I have re-established my credit. 

Apparently, I 've opened too many charge cards ( 6 ), and my credit score has decreased by over 100 points even though I pay them on time. 

So, how is it that the credit bureaus can just keep lowering my credit score just because I am " using '' my established credit? A balance increases on a credit card  ; they take points off of my FICO score. I make more than the minimum payment every month, but they do n't increase my credit score for that. I get a new account ; they lower my credit score. I have an inquiry, they lower the credit score. How is it that I get punished for NOT making payments, but I do n't get credit for making my payments timely? 

I 'm XXXX years old, and I rent a town home. I am a veteran, and I qualify for a zero down VA loan. BUT, I ca n't get financed because my score just keeps going down even though I make my payments timely. I need to move my mom in which means needing to move, but the rents here in CA have skyrocketed to ridiculous amounts. I use my cards to help my mom with medicines etc. I 'm being punished for it, and it 's taking a toll on my emotions. 

Do you have any suggestions? 

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 03-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have been an American Express card Holder for 11 years, recently I had a situation occur where I made a clerical error in linking my Business card to an inactive checking account because I mixed up my account numbers. This caused several returned payments to American express. However, when this happened Amex would contact me and I would make my payment to them over the phone still paying the account on time and as agreed. There was some confusion at my bank and I couldn't figure out why payments were being returned. However despite this issue I always paid the account as agreed on time. Without any warning Amex closed not only my business card account but my personal card account as well even though my personal card was in perfect payment standing. They did this without notifying me properly. When I called customer service I was routed to an office in XXXX, where there were language and cultural barriers that greatly hindered any resolution to the problem and they refused to help me. When I asked what was going on they said my accounts were flagged by an " algorithm '' and automatically closed because of returned payments. After being a loyal customer for 11 years and paying my card on time as agreed despite a small clerical error. I expect superior customer service and humans that can think and reason to address issues created by XXXX " Algorithms ''. Further when I asked why my personal account was closed too they had no viable answer.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (IN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: First I did try to work with them on a pay plan got overwhelmed with it. They would start calling from XXXX XXXX - XXXX XXXX every day. They try to involve my family who 's numbers I never gave. My phone number can show they will call example XXXX, XXXX, XXXX so on. I have only so many people who can call and I have included my doctors, some family 's because I had to set the phone up to stop this people from getting thru. Help me please I need my phone back

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 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: Information belongs to someone else

Complaint: Equifax needs to delete and remove the following fraudulent accounts immediately from my credit report. Equifax has violated my rights as a consumer. I will be taken legal actions against Equifax if these accounts are not deleted within four days : 1.  XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Debt collection (Medical) with Bull City Financial Solutions, Inc (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Never notified about this account not mine fraud. Mailed letter disputing account 30 days ago and no response.They have place it on my credit report and need this removed it fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (AZ).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I applied for a Chase credit and got denied for opening too many credit cards opened in the last 2 years. I equally closed as many credit cards as I opened. Did they look at that?

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (I do not know) with Russell W Richardson, Attorney at Law (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I received a message from my ex sister in law of 20+ years that she was contacted DFC Legal wanting to know information about me and to leave a message for me to call them. The woman told my ex sister in law that I " would be very happy to hear from them. '' My ex sister in law has been divorced from my brother over 20+ years now, she has remarried and has n't gone by our last name for over 15 years. As a matter of fact, she is now a widow and has returned to using her maiden name. She does n't even know how they got her telephone number or put together that we were related at one time. Also, I have no outstanding debts to be collected. All of my debts are current and there is no reason for this company to be contacting me or any one that I know. I have had the same telephone number now for about 14 years and I 'm sure they wanted to contact me ; my information can be found very easily.

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