milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2018 I submitted a request for a credit line increase online with my XXXX XXXX XXXX card through XXXX XXXX. When I requested there was an option that had a check box which allowed XXXX to access your credit report. Below that it had a statement which reads " Please note that we can still review and consider your request for credit limit increase without accessing your credit report. If you do not wish to grant permission for us to access your credit report, do not select the checkbox ''. In order to prevent a hard inquiry on my credit report I did not select the checkbox, however a hard inquiry was still made on my Experian credit report. I called in XXXX to XXXX XXXX  and was told by the customer service rep there that I would have to dispute through the credit bureau. Experian the credit bureau stated the only way it would come off is if it was a result of fraud, otherwise I would have to contact XXXX XXXX to have it removed. This morning I called again and spoke with a customer service representative who transferred me to XXXX ( ID XXXX ), She told me she was a supervisor and that although the option to not have your credit report accessed is there, it is still done anyway. She also informed me that the hard inquiry would stay on my report. I informed her at the time that this is misleading to the consumer and I would have understood a soft inquiry but would have never requested the increase if I knew it would negatively affect my score with an unwanted hard inquiry I have included copies of the actual statement that is on the website informing the consumer that they can still review and consider a request for the credit limit increase without accessing your 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 explanation
Consumer complaint received 10/28/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Account opening, closing, or management

Complaint: I was in contact with this bank a number of times and sent email messages via online cash manager about fees applied from the bank on this account. My last interaction was with XXXX and XXXX via chat at XX/XX/XXXX about the status of the fees and the account closing. I was told that fees would be applied and that I had until XX/XX/XXXX or 60 days from the account being overdrawn ( this excludes weekends ) to pay my account or wait until the fees were applied. On XX/XX/XXXX I log onto my account and to my shock they closed this account on XX/XX/XXXX. I called their worthless team of reps and even spoke with something that claim they were a supervisor and he stated that you now can close the account when ever. This was great information AFTER THE FACT of being told different. I am very livid with this bank and will file with the attorney general office for damages because can not change any account info due to contracts and sponsorships. I was also told that the mainantance fee would be waived and also one more fee. I am now being told that this is not the case and the account may be closed at any time. What is the point of having a customer service team!? To misinform you and now my account is closed.

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 09/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Recovery One, LLC (OH).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Recovery one had a debt that showed on my credit report which I found to be fraud. In first attempts to contact them to even find out where the debt was from they did n't mini miranda me, refused to answer questions or let me speak with a supervisor and then hung up on me. I called back and spoke with a supervisor she lied and said she heard the convo and that he did mini me, which he did after I mentioned it to him 5 minutes into the convo. I advised her he was rude and unprofessional I advised i wanted ti speak with someone higher than her and she said she would maybe try anf have someone call back next week and that didnt set right with me so I hung up. I was in communication with the company the debt originated from after that and they put in an order with recovery one to remove the debt from my report due to fraud as I am attempting to buy a home, and this is the only hold up. It had been two weeks and I contacted recovery one again to see what the issue was, the guy first states that its not in his office he ca n't help and that it will take up to 120 days to be removed I advised I didnt have that kind of time. I asked if i could deal with someone in this office because the other office was rude and unprofessional and he rudely asked what they supposedly did I tried to explain and he said there was nothing he could do and dont know what to tell me. I advised him i want to speak with a supervisor in his office he kept dodging the question and told me he will get me the number to the othet office. Then i advised i read reviews online and the company had nothing but bad reviews he got even ruder and said yeah the thing about debts is noone wants to pay them i advised this is fraud though and i really need it resolved and i understand becausr i actually do student loan collections and he said thats way different i said yes i know because we actually get ourr money. Then i asked him four times for the number he said you know what if youre so professional and know so much about debt handle it yourself and hung up. I tried to call back and couldnt get anyone on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: During XXXX of 2016, my phone, and wallet were stolen at a downtown nightclub. Shortly after I was charged with outstanding overdraft fees, due to fraud activity. I notified the bank ( bank of America ) about the issue and filed a complaint. After a slight investigation, the bank came to the conclusion that it was indeed fraud and I was possibly at fault. The only fault I had was checking my account on another friends mobile app. The bank was uncooperative with any further assistance and then proceeded to close my account. The outstanding charges were up to {$560.00} dollars. Please get this problem eradicated, I 'm in desperate need of a checking and savings account. Please and thank you.

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 06-08-2015 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (NY).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Hello-A doctor 's bill was sent to the wrong address, so I received a debt collection notice via the telephone saying I owed payment. No big deal, I contacted my insurance company and doctor and they confirmed it was legitimate. I told the debt collection agency that I was in the process of contacting those companies and I planned to pay when that was confirmed. I received the XXXX notice about 10 days ago. 

I received a call from the collection agency today and was told they were going to report the bill to the credit agencies. I said okay, I 've confirmed it 's real and I 'll pay it online right now, since I do n't feel comfortable giving my credit card information over the phone. They said that if I pay online, it wo n't post for three days and by that time I will have my debt reported. I said okay fine - I 'll take that chance and I 'll have a confirmation email, which I can use to clear that up later. They said I would n't receive a confirmation email for the payment either, so I had to pay over the phone. 

This seemed odd, so I asked to speak to a supervisor and they said the same thing. I hung up and paid my bill online. Unsurprisingly, I received a confirmation email immediately. I called back 15 minutes after making my payment and I was told their system shows that my balance was paid in full. So obviously, all of those previous statements about online posting and confirmation emails were bold-faced lies designed to be pressure tactics. It was pretty disgusting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Deposits and withdrawals

Complaint: on XX/XX/XXXX I made a deposit to my XXXX acct. at citizens
 bank for XXXX the teller made a mistake and wrote XXXX
I told her it was XXXX they made me come the next day 
so they could fix the mistake. They deposited XXXX into
my acct. I assumed all was good but 5 months later XX/XX/XXXX
they debit my acct for XXXX saying their was an encoding
era and they never received the funds from my deposit they 
then took what funds were in my acct. and said I owed the
balance. XX/XX/XXXX is when looked at my acct. online and was
beside myself. I lost a days wages a check bounced on me
and i could not pay my subcontractors. Their is something
seriously wrong with doing this 5 months later what if i could 
not contact the customer to be reimbursed the funds or he 
died. how would i be able to fix this without major implications 
to me and my family. I want something to be done about this!

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (AL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: American Education Services is incorrectly reporting loan amounts I received from XXXX College. I  received only one FFELP loan from XXXX College in the amount of {$1700.00}. I attended XXXX College from Fall XX/XX/XXXXto Summer XX/XX/XXXX. The Master Agreement was signed on XX/XX/XXXX.  The original amount of the loan was {$1700.00} and the current balance is {$2800.00}. AES is reporting that I received and owe a total of five student loans, all from XXXX College. The Federal Stafford Loan issued on XX/XX/XXXX, is the only loan I received from XXXX College. The following is a list of loan details reported by AES : XX/XX/XXXX Federal Stafford Loan Repayment {$2800.00} XX/XX/XXXX Federal Stafford Loan Repayment {$5100.00} View Details for this entry XX/XX/XXXX Federal Unsub Stafford Loan Repayment {$3100.00} View Details for this entry XX/XX/XXXX Federal Stafford Loan Repayment {$3800.00} View Details for this entry XX/XX/XXXX Federal Unsub Stafford Loan Repayment {$7200.00} I have attempted to resolve this dispute with AES and requested a copy of the Promissary Notes for the aforementioned loans. AES provided me a copy of one promissary note, but was unable to furnish any proof that the loans owed belong to me. I have reached out to XXXX College financial aid office and they have verified that I only received one loan in the amount of {$1700.00} during my enrollment. XXXX College also agreed to contact AES. I am requesting AES to remove all erroneous, non verifiable student loans from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2017 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: Account information incorrect

Complaint: Account : XXXX XXXX # XXXX ( {$370.00} per month ) XX/XX/XXXX XX/XX/XXXX reflects 30 instead of OK. 

Dispute Letter Mailed to XXXX, XXXX and Experian : Dispute Statement - The payment reporting for this account is completely inaccurate. My credit file currently reflects that I missed payments or made a payment greater than 30 days late to XXXX XXXX for all of the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did make payments on time and in full on all of those months, I did not make the payments past 30 days from the due date. Please update/correct this information on my credit file as soon as possible to reflect accurate payments made on time for all of those months. I have disputed the inaccuracy of this account reporting for those months multiple times with all three credit bureaus and its causing a significant affliction on my overall credit status and financial options, causing hardship on education plans for my son and other life needs. 

Supporting Documentation Provided to XXXX, XXXX and Experian by Mail : Enclosed a copy of my Checking Account Transaction History Report, which verifies that I did make the monthly payments for all of those months and payments were made in the amounts of {$380.00} or above, which is higher than the minimum monthly payment required and also paid within 30 days from the monthly bill due date.

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 10/31/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Trouble during payment process

Complaint: Bank of America has forced lender placed insurance and would not allow me to pay amount in full until my homeowners association resolved the matter. They were forcing me to pay an additional {$130.00} per month with out cause nor willing to adjust amount if the program was paid in full. There is a good reason why this firm is constantly being investigated by the US government. i have mortgages with 2 other companies and not once have I ever had an issue. Stay clear of using this bank for home mortgages as they are crooks.

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 03/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have not received any type of notice or communication from this debt collector in order to vaildate this debt that I supposedly have

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08-11-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I asked them not to call me they told me that all they will do is put a 14 day hold on the account and then continue the calls and that the only way for them to not call me was in writing. They also said that they sent out a letter for a settlement that i had not received due to not living at that address i asked them to honor the settlement but they refused due to not having in their system that i moved. He told me that he would be able to over ride the system to approve the settlement but only if it showed bad address but their system didnt even though i explained to them i moved 3 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: My Name is XXXX, I have been working with SPS on a short sale for more then a year, I also been writing complaints about that same amount of time, they ask for document 's I give them the asked for documents and by the time they are looked at, SPS needs more documents. as I keep going in the same circle with SPS not XXXX decision on the short sale has been made.it is now XX/XX/XXXX a new years, SPS is still asking for documents. my complaint is that SPS ca n't or wo n't complete the Short Sale Process, I have had a active buyer that is still waiting for a decision to be made, The purchase contract was submitted on XX/XX/XXXX, I started working with SPS in XX/XX/XXXX. 
I would like SPS to complete my SPS sale so I can move on. 
Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX called my place of employment and told my Assistant that they needed to speak to me in regards to serving me papers. They claimed not to know what the policies at work were but wanted to find out from me. She got a name and number. XXXX XXXX XXXX ext. XXXX. I called XXXX XXXX back and she told me that if I did n't pay on an old debt within 72 hours I would be served papers and would have to respond to my local courthouse within 72 hours. This debt is for {$2800.00} from an old credit card that I had disputed since XX/XX/XXXX. She offered to settle with me for {$2100.00}. She was going to send me an email with the offer and then I asked her to validate the debt and she said sure thing but I must respond by XXXX today or the deal off of the table and I would be served. It is XXXX on XX/XX/XXXX and I have not received an email. She also stated that they sent me a letter 6 weeks ago offering me a deal to pay off the bad debt. I never received the letter and asked why she did n't send it certified and she said they do not do that. When I spoke to XXXX she did n't tell me what company she was with nor did she give me an address. What bothers me the most is that she called my place of employment. She asked my assistant what the procedures were at my place of employment so they could serve me papers and of course now my assistant believes I must be in some sort of civil or criminal trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Billing disputes

Complaint: My Citibank credit card XXXX was paid in full in XXXX. Early XXXX I received a statement for this account showing a new balance, and I had already cancelled the account and no new charges were placed. I emailed Citibank and received a reply on XXXX/XXXX/XXXX that my account balance was {$0.00}. Now I received a letter from XXXX XXXX collection agency that I owe {$180.00} and it is being reported to the credit bureau as past due. I again emailed Citibank who will no longer respond. I need to get this account removed from the collection agency ; removed from my credit report with a corrected status of paid in full and not delinquent.

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 03/24/2017 about Debt collection (I do not know) with Stellar Recovery, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Back in mid XX/XX/XXXX I filed a complaint against Stellar Recovery for validation of debt. Stellar stated that they would close this account and release debt from all national bureaus. In the meanwhile they are still continuing to contact me on an unvalid debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage transferred to Nationstar from XXXX. I pay online at the end of grace period, XXXX of the month, NEVER have been charged a fee. Fee is waived in first 10 days of the month only. I can not afford to pay sooner than the XXXX, and can not afford a XXXX fee. Is n't the new company supposed to honor the same terms as the old?

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a lot of closed accounts on my credit report that I would like to be removed. XXXX was in my bankruptcy and discharged in 2010. I called XXXX and told them and it 's still on my credit report. My insurance paid my medical bills and ambulance Bills as well. Can you please remove the closed items please. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with EQUIFAX, INC. (NM).
Issue: Problem with customer service

Complaint: Equifax offered free credit monitoring/ID theft protection after they had a security breech. Their website gave instructions to enter your last name and SS # to see if your information was affected, then provided a date for when you should return to the website to enroll. I was given X/XX/2015 as the day I was to return to sign up. I followed the entire process, entering all the personal information required but when it came time to complete the process was unable to do so. I have called the Equifax call center twice, most recently this morning. I was told the only way to enroll was to go through the website, they suggested I try in the very early or very late hours of the day to enroll. This morning the woman I spoke to gave me the same response after I told her I had already made unsuccessful attempts. She stated there was nothing else she could do I just had to keep trying. I asked for a supervisor, was placed on hold for 35 minutes, the same woman came back on the line and gave me another number to call. I was never given the opportunity to speak with a supervisor and the number I was instructed to call has an eternal busy signal. I did everything Equifax asked me to do in order to be enrolled in their program. I started the process over a week ago, it is unreasonable to be expected to wait for protection indefinitely for a breech in security they are responsible for. I have no evidence to provide as the only way you can communicate with them is over the phone or via their website. Conveniently for them it does n't leave a record of communication with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Experian did not take normal and expected measures to protect my credit information. As a consequence, my personal information was part of the XXXX 2017 hack. If I were ever given the option by Experian, I would not have allowed them to store my information in the first place!

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