milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-09-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Deposits and withdrawals

Complaint: I went into the lobby of the Bank of America in XXXX to complete some banking activities, including a cash withdrawal of {$5000.00}. I swiped my debit card for the specific account from which I wanted the withdrawal to be taken, but the reduction was, in fact, taken from a different account. As a result of this error, XXXX payments to creditors were returned with insufficient funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Debt collection (Medical) with American Collections Enterprise, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A medical debt was erroneously reported to American Collections Enterprise. They have been notified several times that the debt is not valid but they continue to report. The debt originator is XXXX, the originator has contacted them and I have also. They responded once that they had 30 days to remove the item from the report, that was in XXXX and the debt is still being reported. I attempted to contact them again to resolve this issue. 


XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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 neglected to adequately investigate my claim regarding inaccurate information on my c edit report from XXXX collection and data collection and credit protection.

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 12/16/2017 about Mortgage (Other type of mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Trouble during payment process

Complaint: 2005 applied for a loan with XXXX XXXX. they stated it would be a 20 year loan and advised us to pay extra if we could each month. in XXXX. our loan was sold to SLS ( Specialized Loan Services ) at this time they went thru our loan with a fine tooth comb. they said we missed a payment to XXXX several months back. So to the point I wanted a print out from day 1 to now of all the payments they required from us, what went to interest and what went to principle. I have asked a dozen times for this and they refuse. there paper work shows a 14 year loan. I 'm XXXX I really do n't know what I did with the early paper work. all these years we have been paying extra each month, we borrowed {$100000.00} and now we owe {$91000.00}.

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 07/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, PA XXXX XXXX Account Number Num : XXXX Balance {$190.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national 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 09/29/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MA).
Issue: Incorrect/missing disclosures or info

Complaint: This is about PayPal " Wallet ''. It allows customers to transfer money to and from a linked bank account. However, I was not able to transfer from my bank account to PayPal after numerous tries. Depending on which account specialist I end up talking to at PayPal, I get one of the following two answers to my question " Why am I consistently getting error trying to add money from my bank to PayPal account? '' ( A ) It 's a computer-generated error but it 's not necessary to add money to Wallet because we automatically deduct from your linked bank account if transaction amount exceeds your Wallet balance. 
[ Then what is the point of having " Add Money '' from a linked bank account? If this service does not apply to all, do n't customers have a right to know why? It seems like these people are trained to give canned responses - instead of answering the question, they would respond with " you do n't need to add money anymore since we charge your bank directly ... ''!! They double-down with " it is to your benefit and for your protection '' etc.!! Customers should make their own decisions as to whether a service is to their benefit or not! By the way, they are the worst in terms of being customer-friendly. They sound exactly the opposite '' ] ( B ) Of course it 's possible to add money to Wallet. Let 's do this again. 
[ Then they take you thru a series of security checks related to your publicly available information. After successfully passing these checks, they ask you to retry. Of course it failed! Then they say, well, give some time for computer system to refresh after a few hours. It still failed ] My point is that PayPal has become extremely customer-UNfriendly and they are not transparent at all about issues regarding their products and services. I would rather, and I 'm sure most of their customers would agree with me, see PayPal become more transparent by completely removing " Add Money From Bank '' service and charge the bank whenever a transaction exceeds PayPal 's Wallet balance. Or, if they decide to keep the service, then be forthright with their customers and tell them exactly why they are not able to add money after consistent failures. To me, it appears that they are doing stuff behind the scene that are unfair, unethical and are based on malpractice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: It states on my credit report I lived in Oregon, I have never ever lived in Oregon. 
It states on my credit report there are XXXX inquiries, that i have never applied to ever XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and they show up on my credit reports sometimes more than once It states on my credit report i have an open balance with XXXX when I included it in my bankruptcy, i included all my debt in bankruptcy so it should all be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax, XXXX and XXXX XXXX are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and their is unauthorized and fraudulent credit accounts and inquiries listed on my Equifax credit report. The following credit accounts and inquiries listed are fraudulent : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit card () with BARCLAYS BANK DELAWARE (PA).
Issue: Customer service / Customer relations

Complaint: I filed an complaint with Barclays bank of XXXX on XX/XX/2015, I advised Barclays that, Title 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Barclays are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Barclays company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Barclays are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Barclays fail to respond in writing, signed by hand, in a timely manner, I will assume that Barclays are in error and this matter will be challenged. As Baclays further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Barclays claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XX/XX/2015, I will file a complaint with the CFPB, as well as the XXXX. 
As of today XX/XX/2015, Barclays have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 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: I have contacted the credit company by certified letter asking them to take it off and that it did not belong to me about 6 months ago. They refused and had no prof it is my account. The company reporting is XXXX XXXX for a XXXX account alleged for on X/X/2015. I was never with XXXX I was with another company. I have even asked the credit bureaus and they have denied me my legal right as well. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Talbot, Adams, & Moore, Inc. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company Spears Dewitt and Hall keep calling me about a debt I do not owe. They call me from several different numbers. They state the debt is from 2009 for an apartment complex. I asked them to send me information of this debt they say I owe from 7 years ago and they want send me any information. They keep calling everyday stating they need me to pay over the phone. I pulled my credit report several times over that 7yr time frame and that debt they say I owe was not listed. I needed them to stop calling me repeatedly. And making threaten statements to me about taking me to court or garnishing my wages.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: TransUnion makes a bad habit of allowing re-insertions. They have done it to my credit report again.

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 05/25/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Closing/Cancelling account

Complaint: I have had a Home Depot Credit Card for three years now. It had a low $ 500limit which I did not mind since I do not frequent Home Depot as there are otheroptions closer. The credit limit was recently increased to {$1500.00} which I did notrequest nor was I notified of. 
I received a letter in XXXX stating that if I do not use the card byXX/XX/XXXX XXXX 2015 they would close my card. Two days after I received the letterthey closed it. I called the same day and spoke to a rep on the phone whosaid they would reopen the card since it was closed early and for me to make apurchase to keep it open. She stated it would take two business days for thecard to reopen. Today, XXXX/XXXX/2015, I tried to make a purchase at the store andmy card was declined. After calling in, they refused to reopen the card. Therewas no notification of the card being closed after I spoke with the rep who saidit would be reopened and she would escalate the issue to her manager. 
Another rep today informed me a manager never saw the issue and they wentahead with the closure any way. 
The embarrassment and wasted time of going in there to shop and get to theregister to have the card declined with no warning. I have other cards that mylimits have been increased, but Home Depot givesme {$500.00} and says that is too much of a " risk ''. Please. I have never been lateon any payments, and I was planning on paying this in full any way. In orderto get a new card, they want me to reapply, which means another hit on mycredit. Not to mention they closed the account so that will hurt my credit aswell. I have had no bad payment history with them and I am not a risk. Theyshould not be able to arbitrarily close some ones account without at telling, or do it prior to the time frame they disclosed. They lied and are deceitful withtheir lending practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Issues in this complaint : Improper handling of escrows Failure to pay property taxes timely Repeated provision of false information concerning the status of property tax payment Duplicate payment of property taxes with full knowledge that they had already been paid Failure to reimburse duplicate property tax payment timely Loss of earnings on retirement savings withdrawn to cover unpaid property taxes Details : Freedom Mortgage withdrew {$4900.00} from our escrow account for property taxes on XXXX XXXX, XXXX. We were scheduled to refinance on XXXX XXXX through XXXX XXXX and a few days before closing our banker informed us that the taxes had not been paid. 
I called Freedom 3-4 times between XXXX XXXX and XXXX XXXX to follow up on the missing tax payment. I was repeatedly given false information that an individual check for our taxes had been sent to XXXX XXXX. 

Our banker and the XXXX revenue department informed me that mortgage companies typically do not send individual checks for property taxes but rather bulk payments through a tax servicing company. On XXXX XXXX I requested an escalation from the Freedom call center and finally got confirmation that no check had been sent directly to XXXX XXXX. I was told that the tax processing servicer was XXXX but that they could not contact XXXX on my behalf but only open some kind of ticket with another Freedom department. The ultimate result of the " ticket '' was an email that repeated the false information that our taxes had been paid ( see attached ). 

I contacted XXXX directly on XXXX XXXX. They were able to find our taxes in the bulk transmission from Freedom, and informed me that they did not intend to pay them before the end of the year. As a result, we were forced to withdraw money from retirement savings on XXXX XXXX in order to pay this unexpected expense and fund our new loan. 

On XXXX XXXX I emailed proof that our property tax payment had cleared to XXXX and also notified Freedom ( see attached ). Despite having been provided timely notice and evidence that our property taxes had been paid, FreedomXXXX paid them again on XXXX XXXX. Freedom refused to reimburse our tax escrows at that time and said we would have to wait for XXXX XXXX to reimburse XXXX and XXXX to reimburse them. My understanding was that it should take about 4 weeks after XXXX XXXX issued a refund for us to receive our refund from Freedom. XXXX XXXX issued reimbursement on XXXX XXXX but our refund was not mailed to us by Freedom until XXXX XXXX, XXXX. 

As a result of Freedom 's actions we have lost 4 months of earnings on nearly {$5000.00} in retirement savings.

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 09/18/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I see 8 hard pulls on my credit account there 's a mistake I only authorized soft pulls to check that an error was corrected on my account please remove all theese hard pulls theese were for my personal record

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was actually a mistake on XXXX behalf. I had XXXX internet and they mistakenly charged me for months of usage. I was on the phone with XXXX for over two hours and I was able to take care of the charge and pay a total of {$45.00}. This also came up last year and I disputeted and it was taken of my credit but this has appeared once again and it 's pretty annoying seeing my perfect credit have a derogatory mark. I have never received anything from them either so I have no idea how they received my info and ss.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This credit account is inaccurate because the late payments reported are incorrect. The late payments correspond to errors committed by XXXX XXXX XXXX XXXX. XXXX XXXX unilaterally and incorrectly directed the monthly payments to payment of insurance, this error was subsequently corrected ( prove of the inaccuracy ) ; nevertheless the late payments continue to appear on my report. I am requesting that the account is removed due to this inaccuracy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Credit card () with U.S. BANCORP (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: when I was issued USBANK credit card it was disclosure about interest rate and term that I agreed, my point in credit cards XXXX, XXXX and XXXX since they are dealing withmoney that credit cards co must protect their clients against fraud and identity theft, on XXXX/XXXX/XXXX I purchased item that was defective and incorrect power source, since the item coming from XXXX, since I paid with my XXXX card, USBANK must disclose the transaction to me that if paying with XXXX if returning the item you are responsible for shipping cost if your item is defective and wrong not only did that it also caused stress and financial injury for not disclosing it at time of purchase than must pay the cost and compensate me for stress and financial injury and CFPB must panelize them. I think the XXXX committed fraud and knowingly shipped the defective item with wrong power source and since the cost of shipping is about {$210.00} I will not be able to return it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Received unsolicited credit card ready for activation in mail.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit reporting () with EQUIFAX, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX broken apartment Lease agreements ( not mine ) from my ex husband being reported on my credit I have sent XXXX letters asking them to be removed ( XXXX one in XXXX 2015 then every 45 days following ) and sent attached copies of my divorce etc ... They refuse to investigate or contact the leasing company to verify this info so I am at a loss of where to turn ... .The leasing co are XXXX XXXX XXXX and XXXX in XXXX XXXX Texas

Company response to consumer: Closed with explanation