milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/15/2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Bank of America has repeatedly contacted me regarding my mortgage that is due on the XXXX of each month with a grace period that is due on the XXXX. I spoke with a representative Wednesday, XXXX XXXX and she stated she submitted sometime of cease and xx. I have received 3 call from BOA and it sickens me to my stomach, and I 'm being harassed during a 15 day grace period.

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 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ID).
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 sold my vehicle in XX/XX/XXXX and received a release of interest and confirmation from XXXX XXXX stating that my account was paid in full. As of XX/XX/XXXX I checked my credit report and XXXX XXXX is still reported that I had a balance on my loan two months after my loan was paid in full and XXXX XXXX sent a release of interest letter. I then submitted a dispute with the 3 credit bureau 's stating that the loan was paid in full. At the end of the investigation the 3 credit bureau 's updated my XXXX XXXX loan that the balance was still owing but that I was now 60 days late for both XX/XX/XXXX. and XX/XX/XXXX. I no longer had the loan in XX/XX/XXXX. and XX/XX/XXXX. These reports are incorrect but XXXX XXXX refuses to update their records and the 3 credit bureau 's are not updating their records either.

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 08/17/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX, 2015, I made a " Bill Pay '' payment to my Insurance company for XXXX ( XXXX ) policies, which Bank of America would not pay on the same date, and which BOA confirmed to me would be DELIVERED on XXXX XXXX and XXXX XXXX respectively. I accepted this arrangement even though this same situation happened six months earlier as well. The XXXX policy was indeed DELIVERED Electronically on XXXX XXXX to the Insurance company. Today, I called BOA as there was no indication that the XXXX policy was paid and was told that on XXXX XXXX a paper check was sent to the insurance company but it had not cleared and my account had not been debited. I firmly suspect that the BOA had sent a " paper check '' by postal mail, knowing full well that it would take several days to reach the insurance company, and in that time frame, the monies in my account were " floating '' for the express usage of BOA, thereby not out of the BOA system. I believe this is disgraceful and probably illegal, since an electronic transfer on XXXX XXXX ( as promised ) would have debited my account and funds would not be able to be used by BOA as it would be out of their system. Multiply this procedure taken by BOA by the XXXX of depositer 's at that bank and the interest gained by BOA is in the XXXX geared to their bottom line. I would not be making thjis complaint save for the fact that these Bill Pays were for Insurance Policies, which if not paid on time would be subject to cancellation of the insurance policies. The CFPB should require ALL Banks that provide " Bill Pay '' services to abide and live up to their promises especially when I have the BOA CONFIRMATION indicating DELIVERY by the respective dates, not SENDING but DELIVERY. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Credit card () with SQUARETWO FINANCIAL CORPORATION (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Fraudulent XXXX XXXX XXXX account is reporting on my file. I have disputed this account several times with XXXX, and through CFPB- and they have responded that I need to dispute it with SquareTwo Financial- who currently holds the account even though XXXX is reporting it. I have reached out to this company several times and have not received a response within the state and federally mandated 30 calendar days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: ONGOING 2 YEARS LATEST XX/XX/2017. THEY TELL ME I AM NOT MAKING THE APLICATION. MISSING INFORMATION. 

I believe the problem arises from the Street address. My location two distincly different addresses. The Post office shows the corect address as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX verified. If I look up the closest mailbox it shows XXXX XXXX. XXXX XXXX and XXXX automatically change it to XXXX XXXX XXXX.The Post Office, XXXX, XXXX are all aware of the problem but overlook it in an effort not to inconvenience their customer. XXXX and XXXX display XXXX XXXX [ CORRECT ] XXXX Verify approves both, but there is no such road as XXXX XXXX XXXX. All Federal Agencies use XXXX XXXX. No One is willing to make the corrections in their databases. XXXX Blames XXXX and XXXX  does not give a XXXX. This results in the appearnce that there is two of me. .. 
Start with a company name and address to find its ZIP Code. However, this tool cant confirm whether the company is actually located at that address. 
* indicates that Company , Street Address, and either City/State or ZIP Code are required fields Enter only English in all fields *Company XXXX XXXX *Street Address XXXX XXXX XXXX XXXX / XXXX / XXXX XXXX *City XXXX *State. 
IN - Indiana *ZIP Code XXXX You entered : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Here 's the full address, using standard abbreviations and formatting. However, we ca n't verify that this is the actual location of the business. Double-check the address before mailing here ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXXXXXX, +XXXX, XXXX XXXX +XXXX, XXXXXXXXXXXX, XXXX! XXXX! XXXX! XXXX XXXX XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The following XXXX credit card account listed on my Trans Union, XXXX and XXXX credit report, is fraudulent and someone made fraudulent transactions using XXXX credit card account : 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 10-06-2017 about Checking or savings account (Savings account) with DISCOVER BANK (TX).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I am a Discover Bank customer and must escalate a very serious cheating incident by your customer service XXXX. On XXXX/XXXX/XXXX, I called your customer service to close my XXXX savings account. Meanwhile I requested the refund check of the remaining balance in my savings account. The customer service XXXX promised to send me the refund check by expedited mail XXXX XXXX XXXX. The name of this XXXX is XXXX XXXX and she is in XXXX XXXX XXXX location. 

Then on XXXX/XXXX/XXXX, I called your customer service to ask for the FedEx tracking number of my refund check. The customer service XXXX said that she will contact the back office and will call me back with FedEx tracking number. This time the customer service XXXX 's first name is XXXX and her agent ID # is XXXX. Today this XXXX called me back and told me that the refund check was mailed out on Monday via FedEx. However, she said she did n't have FedEx tracking # for me. 

This evening I had to call FedEx to inquire about this FedEx mail from Discover Bank. After I provided my mailing address to FedEx, I was informed that no FedEx package being sent to my address was found in their system. Apparently your XXXX customer service XXXX XXXX XXXX ID # XXXX ) was cheating on me because either the refund check has not been mailed out yet or it was mailed via regular post office mail instead of FedEx. 

I feel so frustrated that your Discover Bank customer service XXXX does n't have any business integrity but instead has been lying and cheating on customers. It is NOT acceptable to me. 

I request that Discover Bank XXXX XXXX to investigate this incident and take disciplinary action on the customer service XXXX who was cheating. Meanwhile, I request Discover Bank to compensate me {$100.00} for this incident. In addition, I ask your CEO to call me and tell me where my balance refund check is. My phone number is XXXX. I hope to resolve this incident with you before reporting to Consumer Financial Protection Bureau as well as all national media and social media. 

For you to locate my account, my address is XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: The credit reporting agency reinserted a previously deleted item. the item was not verified by the credit reporting agency. TransUnion inserted the account on XX/XX/2017. The original creditor is 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 03/30/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have written the credit reporting agenecies XXXX and XXXX numerous times in the past serveral months about a company reporting a debt on my file from XXXX XXXX that sent me a letter stating and i quote as it states in the letter " To XXXX XXXX the purpose of this letter is to advise you that XXXX XXXX XXXX XXXX has closed the above referenced account and will no longer be collecting on this account including account from original creditor XXXX XXXX XXXX XXXX You have no further financial obligation regarding this account. '' It further states that all credit bureaus have been notified ( ExperianXXXX, and XXXX ) to remove this item and correct this from your credit report. I immediately contacted the credit bureaus and they have refused to remove items as directed by the creditor as of yet. As this has brought down my credit score drastically being it was a collection acct.and caused me to to be unable to get loans for cars, mortgages, ect. I demand that you inform these companies of the fact that this needs to be removed immediately.I have an open litigation against XXXX in Civil Court that is pending as of now, as they have refused to remove another XXXX of the accts. on my file XXXX Bank bank loan that has been placed on my credit file that is not mine, they have been asked to removed numerous times and have refused. These companies have cost me thousands of dollars from getting loans ect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Debt collection (I do not know) with Reliance Exchange Group (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Received robotic phone call message regarding a civil lawsuit being issued and papers to be served at employment address or home if I did not respond within 12 hours of receiving the message. Did not leave a company name or creditor name only that I had some time to call them back and make payment arrangements. Mainly threats about litigation and jail time even though they say 'civil ' at the beginning of the message. I called the number, a woman said they were " XXXX XXXX ''. They buy OLD debt and this was supposedly a debt from 2009 from a XXXX XXXX loan paid to XXXX XXXX Bank. She tried to be very friendly and said wow this is a really old account. I asked her for confirmation of the debt and she said, this was the XXXX level of collection and I had been sent information many times regarding this debt. She said, I see you are on social security which is not true nor have I had a bank account at XXXX XXXX XXXX. She said I needed to make a statement and she needed to record it. I told her no, she needed to confirm her true identity as a collection agency with her license and send me written proof of what she was trying to collect. She said I had already received that so I said then you are not legitimate with the FTC and I am not sending you any money or making a statement. The phone numbers used are XXXX and XXXX.

Company response to consumer: Untimely response
Consumer complaint received 04-03-2015 about Bank account or service (Checking account) with M&T BANK CORPORATION (MD).
Issue: Making/receiving payments, sending money

Complaint: A EFT was taken out of my M and T bank account in the amount of XXXX on XXXX XXXX, 2015 by XXXX XXXX XXXX. I called the bank on XXXX/XXXX/15 to have the payment deauthorized. I was refused and told M and T that I could ONLY file a dispute. I filed a dispute. I was denied. I called XXXX XXXX XXXX and they spoke to the bank after speaking to XXXX supervisors I was turned away again. I was advised that I had up to XXXX days to deauthorize any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Consumer Loan (Vehicle loan) with DriveTime (FL).
Issue: Problems when you are unable to pay

Complaint: Within 120 days of the Effective Date, not call a particular phone number related to an account if any person has requested, orally or in writing, that DriveTime XXXX stop calling such number or has stated, orally or in writing, that the consumer that DriveTime XXXX is trying to contact can not be reached at that number ; Must not communicate with any person including references. Requested to do so by the person after the account has become delinquent or DriveTime XXXX reasonably believes that the earlier response of such person is erroneous or incomplete and such person now has correct or complete location information ; and DriveTime XXXX has not had contact ( meaning outbound call with right party contact or inbound call, email, or letter ) with the consumer in 30days or more. Must not communicate with third parties, including references, after the third parties have requested, orally or in writing, that DriveTime XXXX not communicate with them must take the following affirmative actions within the time periods provided : Within 30 days of the Effective Date, not adopt and implement reasonable policies and procedures to prevent communications that would be violation damages to the accountholders. Must not communicate with consumers at their workplaces if consumers have requested that DriveTime XXXX not communicate with them at their workplaces fully aware DriveTime XXXX knows that the consumers ' employers prohibit communications to their workplaces XXXX of FL adhere no personal use company 's property business lines, fax, copier, email and computer system etc.. 

The written consumer information furnishing policies and procedures that Furnisher Rule in compliance effective date cease furnishing information related to a voluntary or involuntary repossession verified the information is falsehood written that must be permanently block the refurnishing of the inaccurate information the accountholder motion name XXXX instance that Motion Consent Order requires the Board to ensure adherence to, or undertake to perform, certain obligations of DriveTime XXXX, the Board must : a. Authorize whatever actions are necessary for DriveTime XXXX to fully comply Motion with the Consent Order ; Require timely reporting by management to the Board on the status of compliance obligations ; Require timely and appropriate corrective action to remedy any material non-compliance with any Board directives related to this Section and more.

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 12/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX account that started as a debt to XXXX XXXX and has been sold again and again to different agencies. This XXXX account pops up several times in my credit report with Transunion. I have started the dispute process in XXXX and still not resolved. Although it has been removed under the name of XXXX, it pops back up under XXXX Court Public Record. There playing games now. 
Again, This account was recently removed from public record but still listed under collections. I had Transunion remove the error in collections but then they added it back on under the name XXXX Court in Public records. PLease 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
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I applied through XXXX XXXX of XX/XX/XXXXfor a personal loan. I understand XXXX XXXX shops for the best loan offer with outside Lenders. I received an email from XXXX and XXXX XXXX, letting me know I had been preapproved through XXXX XXXX and that XXXX  and XXXX XXXX was ready to make an offer to me. I decided I did not want to go through with either loan, so I did not reply to any emails from XXXX or XXXX XXXX, which meant, I was not interested in moving forward with the approval. I noticed XXXX  sent 7 emails to me, dated from XX/XX/XXXX to XX/XX/XXXX. It was on XX/XX/XXXX I noticed the email said I had been denied the loan. I then checked my credit report and noticed the hard pull from XXXX. I contacted XXXX   and demanded the hard pull be removed from my credit file because I did not respond to their pre approval offer, offered to me on XX/XX/XXXX. The representative apologized and began to ask me for my personal information in order to create a fraud ticket in his system. He then said it would take 30 days to resolve the issue. I told him I did not have 30 days to wait. He continued to ask for personal information but I chose not to give my information and informed him I would submit the complaint a different way.

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 08/30/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (ID).
Issue: Deposits and withdrawals

Complaint: In 2010 I received a check from an attorney in XXXX from my brothers ' estate for {$30000.00}. He left each of his siblings this to take care of ourselves. My favorite store in XXXX was only XXXX blocks away from me and Chase bank was conveintly in the store. I opened an account with them, within a week I had {$2000.00} stolen by a young female employee. I was on a trip with my family when I realized what had happened. When we were dropping my grandson off in XXXX Chase bank told me I had no money in my checking account. I had {$8000.00} in my checking account when I left XXXX. When I returned to XXXX I looked at my statement that had arrived while I was gone and there were XXXX deposits of {$20.00} each put in my account that was done by an unknown person. I called Chase bank security and was told to hurry to the bank and talk to the manager there. I did and he was totally unconcerned and that made me suspicious. I have been trying to get help to get my money back, I have medical needs and no money to take care of them. I estimated that the bank has stolen about {$10000.00} from me in my checking and savings accounts. I was also told by other people that this happened to them at the very same bank. No one in their bank security dept has listened to me.. This is Chase bank on XXXX. My documents are in storage in XXXX. and when I go to retrieve them, I plan on suing

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Colony Brands, Inc. (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized credit Inquiries listed on XXXX. 
XXXX refuses to remove the unauthorized Inquiries. 
Told me I have to contact them to remove them. 
I'm a victim of identity theft due to XXXX data hack My information was compromised Someone is using my identity.

Company response to consumer: Untimely response
Consumer complaint received 07/24/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (OR).
Issue: Closing on a mortgage

Complaint: My mortgage loan matured on XX/XX/XXXX.
As of XX/XX/XXXX the principal balance was {$180.00}. I made my recurring electronic mortgage payment of {$420.00} in XX/XX/XXXX, but it was refused and returned by CitiMortgage. After calling CitiMortgage, and clarifying the final payoff payment was {$210.00}, I wrote a check for that amount and mailed it in on XX/XX/XXXX.
Subsequently I received a letter dated XX/XX/XXXX stating my account was in default, with a total past due amount of {$840.00}, and that a credit bureau was notified. On review of my latest credit score, it has dropped from XXXX to XXXX. In calling CitiMortgage, they have refused to correct their error in reporting.

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