milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/29/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Account opening, closing, or management

Complaint: On Thursday XXXX XXXX, I was refused by three Bank of America employees at their XXXX Branch my requests to open accounts - checking - savings - credit - debit - for the following : XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, both c/o XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 
Previously, On date : Mon, XXXX XXXX, XXXX at XXXX XXXX I : XXXX XXXX. XXXX XXXX XXXX & lt ; XXXXXXXXXXXX sent to : XXXXXXXXXXXX a Request for Special Deposit Assistance by : XXXX as follows : XXXX XXXX. XXXX XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; XXXX XXXX ( 11 days ago ) XXXX XXXX, XXXX XXXX XXXX XXXX , Chief Executive Officer Bank of America XXXX XXXX XXXX XXXX XXXX , NC XXXX Request for Special Deposit Assistance I intend to open accounts today by SPECIAL DEPOSIT at the Bank of America branch in XXXX Pennsylvania today. Recently, I was prevented to open Special Deposits accounts at a Bank of America location by an employee who is not trained in banking law. Accounts include checking, savings, credit and debit cards etc for me and my XXXX, XXXX, Please allow convenient activation of both credit and debit cards at the branch office location for I travel or mail to my church address at XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 

Special Deposit Notices to Declared intent or purpose of this tender of payment as a Special Deposit order of the Payor and Beneficiary, and is to be credited to the depositor 's accounts as accord and satisfaction and payment in full of a discharge of any and all outstanding liabilities. 

It is my intent and purpose by a Special Deposit to merge the Legal and Equitable title to XXXX XXXX XXXX land and property, real, personal, tangible, intangible, corporeal and incorporeal to extinguish the debt and terminate the trust. Bond # XXXX XXXX XXXX XXXX XXXX. 

I am a XXXX, and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX, and I am listed in the alumni directory as simply priest. 

Blessings, [ red ink autograph ] XXXX XXXX : family-of-XXXX. 
These requests for Special Deposit checking and saving and credit cards was denied based on apparent fraud and intentional violations of the Emergency Banking Act of XXXX, and the Bank Secrecy Act, known as Dodd Frank. 

Special Deposit is defined at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, pages XXXX to XXXX, and by the book, XXXX on Banking.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received a letter from Bank of America notifying me that they canceled my credit card due to the reasons  of 1. an inactive account and 2. seri ous delinquency, and public record or collection filed.     The fact is that I have had this particular credit card as an emergency backup and had no problems for the past 20 years, also I am currently in the process of removing fraudulent accounts from my credit reports due to identity theft of which I became aware only in  XXXX  this year.     I 'm not happy that the bank did not contact me first before canceling my card, and I have no way of contacting them to present my side of story.

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 11/13/2017 about Debt collection (Payday loan debt) with Northeast Recovery Solutions, LLC (VA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I receive several calls a day from this collector. They are also contact my family members at work and on their cell phones phones after I have repeatedly asked them to stop but they have refused. They have also stated they are with the City of XXXX Court Systems and that I was being taken to small claims court. I have told them that I was dealing with a settlement company and they would need to contact them. They would n't let me speak kept cutting me off very rude and when I told the manager the ways I was being talked to and the lies I was told she told me that it could do it.

Company response to consumer: Untimely response
Consumer complaint received 02-03-2017 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian will not update a judgment lien from the Circuit Court of XXXX County or allow me to dispute the item just because they investigated my original dispute in XX/XX/XXXX. I paid the judgment lien a year later in XXXX. Twice, I have mailed in a copy of the satisfactory letter and nothing is done. XXXX and XXXX has already updated my credit report.

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 07-01-2016 about Debt collection (Medical) with Kansas Counselors of Kansas City, Inc. (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I signed up to check all XXXX credit reporting bureaus on the " Score Since '' website on XXXX XXXX XXXX. On XXXX and XXXX I noticed a negative report that I was n't notified of by phone or mail on this negative account. It was reported to both credit reporting as being Reported Since XX/XX/XXXX Date of Status XXXX/XXXX/XXXX Last Reported on ) @ XX/XX/XXXX for the amount of {$570.00} Terms 1 month. Reported from Kansas Counselors Inc. XXXX. XXXX XXXX XXXX XXXX, KS. XXXX # XXXX. I have never received a statement by phone or mail. I have resided at the same residence for 6 years XXXX XXXX and the same phone number. I called K.C.Inc. on XXXX XXXX to file a dispute with them was told " I could n't file a dispute '' ... '' I might as well just pay it '' ... '' who pays my bills? " .... It was a very humiliating and demeaning response!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
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: I submitted a request to Equifax to remove two unauthorized ( XXXX, XXXX  XXXX ) inquiries off of my credit report. They said they investigated and they were actual and I should contact the account holders, I submitted this to the other bureaus also, with the items being deleted. These were unauthorized without permissible purpose, and the bureau is held accountability for accurate items, how was their investigation now successful in a deletion, did they fully investigate? This bureau is a common name nowadays with consumer breaches and consumer files.I want these items removed or supply me with how they investigated and provide me the proper paperwork with my signature authorizing these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I checked my credit report and all of my inquiries were deleted. I login today and now they are back which are affecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed XXXX public records on my Equifax that have been deleted through my XXXX and XXXX. I provided all XXXX the same information and Equifax is refusing to delete stating that it must remain for 7 years. If that 's the case, then why did XXXX and XXXX delete them? I am trying to purchase a home and I need to have these matters resolved and it seems as though they are very unwilling to assist in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: XXXX-Navient are reporting ( XXXX ) XXXX-Navient student loans delinquent in error to my XXXX credit profile. I have attached letters dated XXXX XXXX, XXXX and XXXX XXXX, XXXX from NAVIENT regarding the name change and the Federal and Department of Education ( XXXX XXXX ) loans that are currently being reported on my XXXX credit profile for XXXX and XXXX XXXX and XXXX XXXX all are XXXX XXXX student loans before the name change. Please update the reporting of my XXXX XXXX loans on my XXXX credit report to reflect current as they have never been late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have trying to callall three reporting agencies and i the recording line to deputes some incorrect information information. 

XXXX XXXX XXXX XXXX XXXX I never received a bill and they sent me to the Collection agency i had called to day and make a payment. 
XXXX XXXX XXXX XXXX This one they sent the bill to the previous address. How ever the account has XXXX balance when they called me I pay the amount i own. 
XXXX XXXX XXXX XXXX. 
I did talked to a lady at XXXX she is going to send you a letter saying that is paying in full.

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 02-01-2018 about Debt collection (Private student loan debt) with AES/PHEAA (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: After debt was paid and satisfied through XXXX they continue to call and harass me during work hours ( normally around XXXX ) stating that the original debt holder ( AES ) never sent the confirmation of the debt paid. My bank account shows they payment was paid to them. 
It is their job to follow through with obtaining confirmation and removing me from the collections dept. 
Ive explained this numerous times and they continue to call despite accepting payment.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Debt collection (Credit card debt) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I habe had this debt removed over and over.  Its not mine.  I have been giving letter from hsbc and already sent to you several times.  Company keeps calling and harassing.  Telling me I better pay my debts from 2005.  Wouldn't get calls if I was paying my debt.not mine tired of you allowing people to rtepeatedly sell false information regarding myself

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: SPOKE WITH A MANGER TODAY AT XXXX XXXX XXXX XXXX AND SHE WAS EXTREMELY RUDE AND TOLD ME THAT THERE WAS A 60 DAY LATE ON MY XXXX XXXX XXXX CARD. THIS CARD HAS NEVER BEEN LATE AND DEFINITELY NEVER BEEN 60 DAYS DELINQUENT. THIS ERROR IS KEEPING ME FROM GETTING APPROVED FOR A CAR LOAN PER THIS MANAGER I SPOKE WITH TODAY. UNFORTUNATELY I DONT REMEMBER HER NAME BUT SHE WAS RUDE AND WAS A LENDING SUPERVISOR! I HAVE LOOKED AT SEVERAL DIFFERENT VERSIONS OF MY CREDIT REPORT FROM SEVERAL DIFFERENT SOURCES AND NONE OF THEM SHOW THIS 60 DAY LATE. BUT XXXX SAYS I HAVE ONE. WHICH IS INCORRECT.

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 02/29/2016 about Debt collection (Auto) with SECURITY FINANCE CORP (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 'm receiving calls from Professional Financial Services at least XXXX15 times a week. This tactics is unacceptable and causing additional 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 03/31/2015 about Debt collection (Federal student loan) with Radius Global Solutions LLC (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Central Credit Services, LLC contacted my neighbor about my debt. This neighbor is not a contact person nor reference on my application information. I 'm unsure how they targeted her or why they would try this tactic since it 's illegal. I have no idea how many of my neighbors they have tried this with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Debt collection (Credit card) with Financial Credit Service, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: They continue to call and threaten to sue me if I do n't pay for an old debt that I have already paid over XXXX years ago. I kept telling them I do not owe but they said they will sue if I do n't pay. I do n't owe this debt. I just received a call and found out the company name. ARA inc .

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: eviction was file against me in XX/XX/2012 but never was execute but is showing in my credit reportthe I did have eviction at that time at this moment this wrong report is cause to me and my kids to find a apartment to move, I just was reject my application from XXXX located at XXXX XXXX XXXX XXXX fl. XXXX. I need to have remove this issue from my credit report ... 
thank youXXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2015 about Debt collection (Medical) with Express Recovery Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have XXXX and pay what I need to pay each time. I saw XXXX collection accounts on my credit. My insurance paid my medical bills. I sent to this agency to validate the debt and they did not validate it. This agency is not Bonded to collect in my state. I checked on the Secretary of State Site and entered their name and address. It says there is not a bond for them. This agency never sent me a letter or anything stating that they are putting anything on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been notified by XXXX XXXX XXXX that my balance is being provided to all major credit bureaus but the account balance is not being updated. I have not been able to pay on this account due to inaccurate balancing updates. I have attached documentation that the balance should be {$960.00} so that I can begin letting my credit union make payments as they did on my behalf. But I find it unfair to do this and the credit bureaus are not doing their part to update the balance. XXXX XXXX XXXX said it was fine to have the credit union mail payments to the original creditor as which would notify them of the payments received as which, XXXX would then in return notify the credit bureaus. There are old debt ( not that I am admitting to these debts ) that has exceeded the time limit but yet displayed on my credit file. For example, XXXX XXXX XXXX expired XXXX 2016 but still displaying on all credit files. Whenever I disputed a debt, I always said " it 's not my debt '' because of the laws to restart the count, but the credit bureaus restarted the counts ( review my credit files, you will see ). I also disputed the " suffix '' on my name with XXXX in Report Number : XXXX because I am not a male and never had " XXXX '' on my name. This is yet to be corrected because I have not received an updated report to reflect this. See attached that reflects this name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (TX).
Issue: Managing the loan or lease

Complaint: Kia Motors Finance is purposely ruining my credit. They keep reporting me as 30 days late on my loan when I 've never been 30 days late. I 've even sent a written letter requesting they correct this and they only made it worse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/29/2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, 2015 I attempted to withdraw XXXX XXXX XXXX from an ATM in XXXX XXXX. There was a mechanical/electronic malfunction with the ATM machine and no funds were received by me. 

The bank is reversing the temporary credit issued in Favor of the issuing bank. 

I am adamant that the funds were not dispersed and the machine suffered a failure. 

An ongoing complaint # XXXX with USAA and I am awaiting indisputable proof that the funds were received!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (OR).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Hi, I have a Chase credit card just one. I havent used it in a while. It had a credit on it and every month Id get a statement in the mail telling me that I owe nothing and there is a credit. I thought the ethical thing to do was to call and have them issue me a check for the credit amount. They did. I brought the check to Chase and they wouldnt cash it, ostensibly because I have no checking account at Chase Bank. I dont, thats true. All I have is a credit card, which I dont use. So, basically, I received an uncashable check from them. It would cost me more to open a checking account at Chase than the check is worth. 
Just thought consumers should be aware of this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Bank account or service (Checking account) with U.S. BANCORP (ID).
Issue: Account opening, closing, or management

Complaint: My hole family is Fake and drug government workers my XXXX then XXXX XXXX XXXX timers a year XXXX XXXX shot Bipolar time XXXX worked XXXX Shot down WTC planes his Ex wife Husband XXXX work XXXX my Dad Installed Switches Nuclear Subs then ran XXXX foot computer screen of XXXX XXXX XXXX my XXXX XXXX Dad makes XXXX email Launch and XXXX Generator Blew up XXXX XXXX in XXXX same XXXX did XXXX XXXX XXXX XXXX, XXXX 's XXXX cleanup World Trade Center putting humane hearts in " XXXX '' XXXX Nuclear Reactors freezer Banks melt. 
I have only XXXX Cousins close XXXX my Age Berger-man, XXXX XXXX wife XXXX XXXX relative and her Mom serve my school lunches XXXX Employer build XXXX Nuclear Storage Facilities. 9 years I dated XXXX XXXX a XXXX XXXX XXXX XXXX Department worker at XXXX received XXXX XXXX XXXX handle Nuclear Weapons and XXXX ran Port Authority Building fore the XXXX XXXX after XXXX. XXXX relatives provide Missile Silo Steal Both Sides of family run XXXX XXXX XXXX. XXXX XXXX work XXXX XXXX lived across school and beat me up in Lunch room XXXX XXXX buy are Farm lots then XXXX work XXXX in XXXX many XXXX switches with XXXX Atom Building Half world wide reactors. My XXXX XXXX XXXX owned XXXX Dealer, XXXX across XXXX and XXXX XXXX his Brother Vice President Farmers Insurance across XXXX then sold Children 's Books, XXXX XXXX XXXX across Bank XXXX XXXX XXXX XXXX XXXX founded and Largest US XXXX Hanging Mom on XXXX Comity with XXXX is XXXX XXXX. My Relatives own Millions XXXX 's corn fields and Sleepy Eye Treaty Site gave Both sides of the XXXX Mississippi. XXXX XXXX XXXX of XXXX My other grandpa XXXX XXXX settle took Indians XXXX over a cooking Pot then Sold Farms during farm Crises and Worked fore XXXX founder of the XXXX XXXX and Veterans of Foreign Wars, XXXX XXXX XXXX XXXX were Social Security is now. 
I built US Bank, XXXX House elevators Restaurant tunnels XXXX kidnap people in My Brother XXXX wife XXXX work XXXX mechanical hearts XXXX XXXX XXXX Presidents Circle, In between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Software most Architects used from XXXX Avalanche Software there old building buy XXXX XXXX XXXX 's only XXXX rated XXXX hotel XXXX XXXX Main Speech XXXX XXXX ran Dissolution of XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX WY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2018 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (DC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Wells Fargo has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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