milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-10-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Account opening, closing, or management

Complaint: I 've been a member of the Merrill Lynch Wealth Management Group since XX/XX/XXXX. Recently, I transferred to the Merrill Edge Adivisory Group located in XXXX, Arizona. As result of this transfer, they ca n't locate the beneficiary paperwork on my IRA and nor my Statement on my Trust Account for XXXX XXXX. I spoke to the XXXX XXXX Financial Advisory Team on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX to receive this information. They said ca n't retrieve this information.

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 04/27/2016 about Debt collection (Credit card) with Data-Central, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The company has never sent a communication or called informing me of the debt so I was not given the right to request information related to the debt I was said to owe. When I found this information on my credit report I contacted them and was told they no longer had the account ( although they are reporting it ) but a sister company has it, I then called the next company to be told they did not have it either, and the last company that claims to owe the debt will not provide me a fax number nor address to send a formal request for verification. This account was not opened by me and needs to be removed yet they continue to verify it belongs to me. I have asked all XXXX companies for a statement by mail or something showing that I have the right to dispute the debt. They have all refused. I have mailed dispute/validation requests to XXXX of the companies that I have been able to obtain the mailing address for. If the XXXX and XXXX company claim to longer own the account and have made no effort to collect on the debt, the information must be reomoved from my credit report or give me the formal notice of collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have been contacted about a debt I do owe. I have tried to call and make the payment but their office is " not authorized '' to take my payment. I have tried to pay on line but the service responds that I am unable to pay over the website and must call. I have been provided a number to call that is authorized to take my payment but the phone number goes directly to a voice mail. I have now incurred over {$50.00} in late fees and am unable to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (WA).
Issue: Account opening, closing, or management

Complaint: In XXXX 2016, I opened a new Citigold Checking Account with Citibank after receiving promotional materials for promotion code XXXX. This promotion awards XXXX XXXX XXXX XXXX miles to a consumer who opens a new Citigold Checking Account, spends {$1000.00} on their new debit card, and utilizes BillPay services in two consecutive months. I was excited to try the Citigold product, as I 've done my banking exclusively with another bank and wanted to experience a different product. After opening the account, I received a phone call from a Citi representative who needed to verify personal information. This representative acknowledged that the promotion XXXX was attached to my account. 

In XXXX 2016, having completed all of the promotions requirements for the XXXX XXXX miles, I sent a secured message to Citibank. I received a secured response from Citibank on XXXX XXXX ( see attachment ). In this response, the representative acknowledged that my account was registered fro promotion XXXX, confirmed that I had completed all of the spending and billpay requirements, and wrote that XXXX XXXX miles would be awarded to my account by XXXX/XXXX/2016, 90 days after the closing date of the XXXX cycle. 

On XXXX/XXXX/2016, I sent a secured message to Citibank inquiring about my XXXX miles and received a secured reply that same day. That reply stated the following : my account is being investigated, but may or may not be eligible for promotion XXXX, despite what the earlier message ( sent by the same representative now replying ) said. The response suggests that I may not have been targeted for this promotion. The terms and conditions of the promotion said nothing about needing to be targeted, though the promotional materials I received were directed specifically at Citi XXXX credit card owners. As an owner of this exact credit card, it was reasonable for me to believe that the offer targets me. Nothing in the terms and conditions speaks to the contrary, and both both verbal confirmation by a telephone agent and a secured message by a Citi representative confirmed that I was eligible and registered for the promotion, had met its conditions, and would receive the bonus. 

Lastly, the XXXX XXXX secured response from Citi said that they could offer no time frame for an estimated date of completion on the investigation. In the meanwhile, Citi is charging $ XXXX/month in account fees.

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 11/20/2015 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I opened up a Home Depot credit line when I bought a new washer/dryer in XXXX 2015. I asked then that it would be linked to my husband account ( married 25yrs ). After that and installing an air condition unit at our home & put on our Home Depot card. I sent Home Depot {$250.00} over the minimum payment for XXXX 2015 total of {$400.00}. I started receiving numerous phone calls from CitiFinancial telling us to call right away, regarding our Home Depot card. So I called, only to hear that our accounts had not been linked and that I was late paying the XXXX that I had opened and thought was linked. So now not only do we have XXXX separate bills to pay monthly but double the statements etc. I told a supervisor at CitiFinancial ( XXXX, rude ) that this was all news to me since I had not received a current statement in my name. He told me that he was going to remove the late fees but that it was impossible to link our XXXX accounts. I told him that I want to receive a updated statement every month as to how much and where to send my payment since they would not now link the accounts. The next day I took it upon myself to find out what my account number was for Home Depot and made another {$400.00} payment on top of the already {$400.00} dollar payment on my husbands account for XXXX. Since then I have received over XXXX phone calls from CitiFinancial ( XXXX ) harassing me via my own land line and via my answering machine. They call every couple of hours beginning at XXXX. My credit is in the XXXX 's to XXXX range. I never pay late bills and so I am not familiar with how much and how often these companies can call and harass people. But this seems to me that this is excessive for a {$20.00} late fee assessment. There should be some laws in place to protect the consumer. In this case it was because of the false promise of linking our accounts and lack of a statement from CitiFinancial plus repeated phone calls that will cause me never to do business with this company again. The Home Depot should also be careful who they allow to finance their credit cards. Someone needs to investigate this company and their practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In my  XXXX   XXXX    XXXX   Credit Report, I found   XXXX   XXXX   as creditor that says I opened on   XXXX   XXXX   XXXX   and was closed on   XXXX   XXXX   XXXX   with last reporting on   XXXX   XXXX   XXXX   with a credit limit of {$100.00}.     I never, ever had this account, but I am wondering why this should be included in  my Credit Record.      It further shows a contact details for Creditor :  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  , OH  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: XXXX XXXX XXXX collection copy has recently sent me a letter. Stating the removal of negative information off my credit report. This information has not been updated. I have since forward the infomation to the CRA. XXXX, XXXX and Experian. Please assist with having this information remove from my credit file. 

Thank you, 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 non-monetary relief
Consumer complaint received 04/14/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: I currently have XXXX accounts with Chase XXXX personal and XXXX joint. On my personal I was charged XXXX {$34.00} dollar charges for insufficient funds on my personal acct. As far as I understand if you cover your insufficient fund fee before the end of the night you are ok. My fianc quick paid me the money at XXXX, I had no idea that there was a cut off time and the money would not go through I received an email and on my phone app it showed the money as positive. They are staying I signed the terms but honestly I did not read line for line nor did the person who opened acct explained. The only thing I am aware is the if you have insufficient funds you will get charged if acct stays negative. I have money in my joint acct do you think if I knew this would have happened. I attached XXXX pictures XXXX of my email confirmation of quick pay and also I transferred the remainder XXXX of the negative from my other joint acct last night my app showed me positive. You can see XXXX*XXXX=XXXX my acct is -XXXX I have not made any transactions since last night. Which shows the act was not negative. I did not know there was a time limit to quick pay believe me if I did I would have transferred the money from my joint acct which is with my fianc same person who quick paid me. This is unfair!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/14/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: After a security breach at my employer, all employees were provided free credit monitoring service. After reviewing my credit report, I noticed an account that was not mine listed as a bad collection, which adversely affected my credit score greatly. Portfolio Recovery was listed. I contacted Portfolio Recovery numerous times, via US certified and read receipt correspondence. I asked for debt validation, ( they merely sent a copy of the last bill ), I asked for signed copy of the contract I supposedly had, proof they had the legal authority to pursue this erroneous debt, they never provided either. I complained twice with the CFPB and Portfolio would not cooperate, prove the debt was mine, and remained undeterred. Lastly, I sent another certified/read receipt letter stating I was willing to pay 75 % of the balance in full with the promise this erroneous collection will be removed from my credit report. They replied and did not want to negotiate. I rather pay for this debt then to keep the negative mark on my credit as a bad collection which will cost me 100s of dollars in higher interest rates for years. I was told that even if the bill was paid in full, this will remain on my credit report. I do not understand why a business will be so cruel to a consumer who was the victim of fraud. After speaking with my council and reviewing my credit report, I learned Portfolio Recovery Associates is reporting they are a factoring company. This is against FCRA section 623. This is violating my rights. This is unfair business practices with me, the innocent consumer, falling victim. I want this collection removed from my credit report from all three credit bureaus, to never appear again under different auspices, or traded or sold. Portfolio Recovery Associates are not being honest, fair, and they need to held accountable for their actions. I also filed a complaint with the Virginia BBB. Thank you for using the Better Business Bureau 's Online Complaint System. Your complaint has been assigned case # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (OK).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX : {$1100.00} I ended service with XXXX and returned the phones the they told me that the boxes were scanned in at XXXX but they didnt receive the phones at their place.nobody has counted me to fix this ever

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 11/14/2017 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: Information belongs to someone else

Complaint: I pulled my Credit Report and found XXXX XXXX put a charge off on my credit report for the amount of $ XXXX.on the date of XX/XX/XXXX I wrote XXXX XXXX a certified letter asking for validation that is competent evidence bearing my signature. 

XXXX XXXX revived the certified letter on the date of XX/XX/XXXX. 

XXXX XXXX responded on the date of XX/XX/XXXX stating that they were not a debt collector but the original creditor and they do not mark credit reports as disputed in the 30 day period. XXXX XXXX never provided me with the validation I requested. 

On the date of XX/XX/XXXX I wrote another certified letter to XXXX XXXX stating that they did not validate the debt in question via bearing my signature. 

XXXX XXXX received the second certified letter on the date of XX/XX/XXXX I never received a response to the second certified letter. 

On XX/XX/XXXX I pulled my credit report to find out if XXXX XXXX had marked my credit report as disputed. And found that XXXX XXXX had not marked my file as disputed, and as to this day of XX/XX/XXXX my file is not labeled disputed. 

I sent a third certified letter to XXXX XXXX on that date of XX/XX/XXXX notifying XXXX XXXX they did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by Federal law to place a " notice of dispute '' on my account within 30 day of my dispute, in which they signed for on XX/XX/XXXX. I retained a copy of their signature and date of receipt, as well as a time stamped copy of my credit report, showing that XXXX XXXX has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and / or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
XXXX XXXX received the third certified letter on XX/XX/XXXX And yet again XXXX XXXX has failed to respond to the certified letters I have sent to them.

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 02-02-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: I am a Bank of America costumer and I have had my debit card replaced 3 times in the past 9 months because of a " data breech '' at an " undisclosed merchant. '' Bank of America will not disclose WHO the merchant ( s ) are or the situations leading to the breech. Going thru and updating XXXX auto-pay accts every 3 months is a hassle and as I am the customer, I feel that the absolute LEAST Bank of America can do is inform its customers of how/why my information was released. It 's as though they are protecting merchants instead of their customers

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Mortgage (VA mortgage) with loanDepot.com, LLC (GA).
Issue: Trouble during payment process

Complaint: This past XX/XX/2018 I refinance my home with Loan Depot with a VA guaranty loan. Loan Depot didn't wire the full amount of the payoff to the original mortgage holder. The wired {$130000.00} instead of the amount stated in the payoff statement from XXXX XXXX XXXX of {$130000.00}. Account Number XXXX XXXX XXXX XXXX are calling me to pay the {$610.00} because they added a late fee of {$56.00} they claim the payment is short and Loan Depot is saying that they already made the payment and that is on me to contact XXXX XXXX XXXX to credit my account. I have been talking to both entities since XX/XX/XXXX and neither one is willing to fix the issue. 

Now I have two outstanding mortgages {$130000.00} XXXX XXXX XXXX which is showing two months late since they haven't credited the account and the new loan for {$190000.00} to Loan Depot.

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 06-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (NV).
Issue: Credit decision / Underwriting

Complaint: XX/XX/XXXX we received a copy of the BPO which stated the home was occupied ( home is empty and vacant ) and there were no photos of the inside of the home and this was an " interior BPO ''. 
XX/XX/XXXX We tried to escalate over the phone to speak to the Negotiator or their manager and was denied the information and said all we can do is dispute the bpo, we advised that this counter is n't justifiable as the BPO has repairs outlined but the as-is and as-repaired value were the same despite the bpo agent never even entering the property to assess the condition. They would not let her escalate. 
XX/XX/XXXX XXXX emailed the Negotiator XXXX XXXX who responded stating they ordered a new BPO through a new vendor, so even he agreed it was unjustifiable. 
XX/XX/XXXX Negotiator emailed the new XXXX We emailed XXXX request the Negotiator and addressed that this BPO has comps over XXXX mile away, the comps square footage is over the subject property, closings took place over 6 months ago. There were no adjustments to the value based off upgrades, heated floors and XXXX car garages with the XXXX XXXX emailed that he will submit for review of value dispute. He informed XXXX he gave her contact info to his mgmt. team ( but wo n't give us their contact info ) to date, no one has ever contacted us. 
XX/XX/XXXX We emailed the Negotiator our XXXX and supporting comps to add to the dispute reviewSince then we have followed up for status on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and have emailed the Negotiator for update via email XX/XX/XXXX and XX/XX/XXXX with no response. 

We escalated on XX/XX/XXXX and on XX/XX/XXXX I was advised that the dispute will take another 1 to 2 weeks. I escalated again XX/XX/XXXX and another update of 1 to 2 weeks was noted on the file and talk of ordering new bpo. To this date, no new bpo has been ordered. 

We have informed the Negotiator and several Relationship managers that this buyer is about to walk and no one has expedited the file. 

Since no one has expedited the review, the home has been broken into XXXX times and now the floors are covered in vomit and holes kicked into the walls. The banks lack of effort has put this vacant home in harm of being vandalized and possibly obtaining squatters. The client and us feel the bank has no concerns and no intentions on getting this reviewed properly or rendering a decision. They would rather force us to relist and possible obtain more issues with the home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Collection Consultants of California (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX XXXX XXXX XXXX has put many debts ( XXXX on XXXX alone ) on all my credit reports. In XXXX, I sent a request for a verification of debt and XXXX XXXX XXXX XXXX did not respond and continues to report multiple errors to all credit reporting agencies. Per FCRA, since they did not verify they debt, they should not be reporting errors to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This is in reference to a time-barred debt. Last payment was made XX/XX/2011 from a repossession auction. Another collector tried collecting this also, but withdrew when i was having a lawyer represent me in court. The debt was time-barred at that time also. They are now calling my personal phone and anyone they can at my employer. I have requested they not call here due to my employers policy against this sort of inquiries. I requested they send me the info about this matter. FDCPA states they have 5 days. Lady on phone argued it was 30 and asked why in never responded to any of the paperwork they sent. I informed her that i never received anything from them. A gentleman i talked to yesterday stated this was about a breech of contract, but the lady today stated this was a lawsuit and an attempt to gain asset info from my employer to garnish wages, all while trying to strong arm and intimidate me. She seemed to have no concern or knowledge of this FDCPA regs. She didnt state the company name, reason, anything of that sort. All required per FDCPA. She also told me i needed to get another lawyer as my current lawyer doesnt know anything. I was told from the gentleman the other day that the name of their company ( which i had to ask for ) was XXXX. I found nothing on just that but did find info on some companies with the same letters as name, but spelled out. I believe i found the right info in my search then as a post i found, people have explained the same exact thing that they are doing to myself. i have added the post link below. I would really like to have all of this stopped as i 'm trying to move on from my past. 

XXXX

Company response to consumer: Closed with explanation