milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2016 about Bank account or service (Checking account) with Comerica (MI).
Issue: Problems caused by my funds being low

Complaint: I decided to close my Comerica banking account after 44 years because it continued to charge me fees to maintain both a checking and a savings account, and offered no interest on the deposits. To close the accounts, I transferred XXXX pension direct deposit checks to a new financial institution which offered interest on savings, and fee free checking. 

After waiting two months after the XXXX direct deposits were stopped at Comerica, and three months after establishing my bill payments practices via the checking account at my new financial institution, I received a statement from Comerica showing no new checks cashed against the account for the past two months, and a $ 13 monthly fee to maintain the unused checking account, and a $ 12 monthly fee to maintain the unused savings account balances. 

I transferred the remaining savings amount to the checking account, and wrote a final check against the account for the remaining balance ( after subtracting the fees from teh balance ) and deposited the amount in my new bank, thinking I was done with Comerica. 

After the final check from the Comerica account cleared that account and showed up in my new bank account, I went to the Comerica account 's on-line access to learn how to formally close the XXXX old accounts. I discovered a more than six month old check for {$25.00} had been cashed against the account, and found a negative balance on the checking account and a bad check fee added to it. My next mailed statement, which I was going to use to address the check issue while disputing the fee since the account had been closed, showed the bad check amount, the bad check fee, a weekly " recurring fee '' for outstanding bad checks, and the usual {$25.00} in service fees to maintain the accounts. 

When I contacted the bank by phone, I was told that the only way to close the accounts was to cover the bad check ( which I agree is correct ) and pay all outstanding fees and penalties Comerica generated against the accounts ( to which I object ). 

Now I have received a notice from a consumer finance loan firm acting in Comerica 's behalf which said it must either receive a check for or make up a payment schedule to address at least {$54.00} to close the matter as of the date of the printed notice, but it ca n't give me a final amount until I call their XXXX to confirm there are no new charges. 
I assume {$25.00} of that cost is the amount overdrawn against the account, but the remaining cost is the fees I dispute with Comerica.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My house is in foreclosure, and I have someone who 's willing to pay off the entire balance cash. I asked Greentree for a payoff amount mid XXXX 2015. They said fax would be 24-48 hours and snail mail would be 5-7 business days. I opted for both. 3 days later I called and was told it takes 7-10 days for fax and 7-10 business days for snail mail. I waited, called back XXXX XXXX, 2015 and was told I was denied but a second request was put in on XXXX XXXX. Why was n't I informed and why is this something I need to qualify for?

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: all are being reported on experian, XXXX  and XXXX. They did not have my permission to run my credit and i have been fighting to show proof in writing and no one has provided me this informatiom. 

XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/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 03/25/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Other

Complaint: Citibank offers their customer a free credit ( FICO ) score and on XXXX/XXXX/16, I recevied an email from Citibank notifiying me of my current score which was obtained from XXXX. 
According to Citibank as of XXXX/XXXX/16 my credit score was XXXX. In XXXX 2016, I filed several complaints with the CFPB against XXXX in regards to my credit score and disputed the accuracies. On or around XXXX/XXXX/16, I received and updated credit report from XXXX and it stated my current score was XXXX. I tried to reach out to Citibank and XXXX to dispute the inaccuracies and find out why there is XXXX different scores and nothing had change excepted for payments which should increase the scores not lower it by more than XXXX points. To date Citibank has refused to look into the matter and provide a response or corrective action.

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 09/27/2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: I had a Personal Account in Santander Bank at XXXX XXXX XXXX, XXXX XXXX XXXX, NY. XXXX checks were cashed fraudulently from my Bank Account on - check XXXX - XXXX/XXXX/XXXX - {$2500.00} check XXXX - XXXX/XXXX/XXXX - {$6600.00} check XXXX - XXXX/XXXX/XXXX - {$9000.00} check XXXX - XXXX/XXXX/XXXX - {$7500.00} Totalling {$25000.00} The bank did not inform me that they are cashing any of these checks, these big amounts were cleared without informing me by any means from my personal account, I came to know about whereabouts about my bank Account when I came to XXXX in XXXX, since then I am trying to recover my lost money but it has gone in vain. I am an XXXX citizen and did n't know what to do regarding this fraud as I am not aware about how things work in XXXX, recently one of my XXXX friend who lives in XXXX agreed me to help on this matter, and I am taking his help An Affidavit of fraud was filed with the Bank in the month of XXXX XXXX and an XXXX ( XXXX XXXX XXXX ) was assigned for the case but he was on a holiday till XXXX XXXX when I got hold of him and he is still not cooperating, he does not reply to his email and most of the calls I make to him go on voicemail. I want {$45000.00} back from the bank as I have had to face a loss of {$25000.00}, interest costs, the opportunity cost, mental stress and mental harassment from the bank. thanks

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 05-05-2015 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Deposits and withdrawals

Complaint: Saturday, XXXX XXXX, at XXXX I deposited XXXX {$20.00} bills into the atm at the US Bank branch in the XXXX of XXXX XXXX, in XXXX XXXX, CA. The machine and the branch are located inside a XXXX, The machine took the bills and then claimed that there was a mistake and the deposit was not made. Instead I received an " attempted deposit '' receipt with the phone number, XXXX to call for assistance. I spoke with XXXX or XXXX people associated with US Bank that weekend, and they assured me that they could n't do anything to retrieve my money, but that the machine is reconciled on Sunday nights and Monday morning, the situation would be handled. 

On Monday, the story changed. Then, I was told that the machine is reconciled on Monday night, and the claim, which can take 10 days to " credit '' my money back to me, could only be filed on Tuesday. The branch manager said she would do me the " favor '' of crediting me the {$200.00} on Monday, which she did. However, I do not think anyone considers it a " favor '' to be given one 's money back. She also threatened that if the machine reconciled without the {$200.00}, I could face overdraft fees when they debited their " favor '' back. 

The bottom line is that I have been lied to and still have no clear idea of when US Bank will concede that their atm was in surplus of my {$200.00} CASH. ( The manager did not return my phone call and left early, perhaps for XXXX activities - I had to call again to get a teller to file my claim ) I also am aware that the atm has a camera that records the transactions. So, any reasonable client friendly institution would be able to SEE the cash being deposited, be able to count the extra money, and be able to deduct that I was indeed truthful in my claim. 
I am complaining about the timeframe involved with this banking institution 's responsibility to return money due to the errors or mistakes of their equipment. We all know they make money overnight, and now they have taken the opportunity to use MY money to do so, without offering me any recompense. Their behavior is nothing short of thievery.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian credit report associated with errors, and it seems that the accounts & inquiries are also fraudulent. I am a victim of identity theft and I have been identified for someone else with the same exact name as mine. XXXX XXXX is associated with several people in my state. These accounts we 're once removed and has been place back on my credit report. It is definitely an error on the credit bureau part. This is all the information I can provide at this time. My lawyer will be contacting you in a few days to resolve this matter with my name being misused, placed aside fraudulent error accounts and inquiries. Accounts XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX- 2016 XXXX XXXX XXXX XXXX-2016

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 09-08-2016 about Consumer Loan (Installment loan) with Delbert Services (TN).
Issue: Problems when you are unable to pay

Complaint: Obtained loan from Western Sky in XXXX XXXX immediately sold to XXXX ( loan officer said loan was with Western Sky but would be serviced by XXXX ). XXXX name on paperwork and all documentation in the mail. Paid for almost one year without any reduction in the loan principal. Did an amortization schedule to determine my 5 year loan would take 10 to repay. Called company because I could n't afford that and was not disclosed. Company agreed to lower interest to 89 % but this only shortened amortization to 7.5 years when my loan docs said 5. I quit paying. 
Several lawsuits and ban on Western Sky and XXXX. Was informed I would not have to repay a predatory lender. 
Now I am being harassed by a collection agency ( legal locator service ) that I am about to be sued for way more than I owed unless I can pay {$740.00} within 2 days.

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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX student loans keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score. I 'm in the middle of financing and their frequent updates are detrimental to the process. I want my loans 7 years and older off my credit report because they are pass the statue of limitations for my state. I need this done ASAP, because XXXX reporting tactics or unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Risecredit, LLC (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX told me someone checked my credit score without my consent and it looks like someone is trying to open an new account on rise and i have not authorized to set up an new account

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Payday loan, title loan, or personal loan (Title loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MN).
Issue: Problem with the payoff process at the end of the loan

Complaint: Hello, My loan was refinanced and the title for the car has not been sent to us, which was suppose to happen months ago. I spoke with the branch Manager in the XXXX Mn location and still have not received the total for the XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Debt collection (I do not know) with Dynamic Strategies, Inc (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company has furnished false information to the credit reporting agencies ( CRAs ). They CRAs are showing that I opened an account with this company on XXXX XXXX, 2012. I have never opened an account with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: I recently had a claim of hail damage to my roof with XXXX XXXX. I received a check in my name and my mortgage company. The new roof was put on XXXX XXXX. Ditech, my mortgage company, will not sign off on the check from XXXX XXXX until they receive a copy of the insurance adjusters estimate, and an itemized written estimate of repairs from the contractor and a properly completed XXXX form from the contractor! Then they will send out their own adjuster and check and then they will pay the builders. In the meantime, my roof is completed and inspected and I need to pay the builders out of my own pocket! My insurance company has never heard of this! I really feel like this is not my home!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX. I have disputed and provided information about my bankruptcy been reported incorrectly 5 times. My bankruptcy was filed in XX/XX/XXXX, discharge in XX/XX/XXXX, and revoked in XX/XX/XXXX. I have called and send the required information to prove that my bankruptcy was revoked ; yet Equifax refuses to report it as revoked, but rather continues to report it as discharged. I called and spoke with the supervisors twice and they read the document provided were they clearly understood that it was revoked and they notify me that they do n't know how to fix it. This is completely unacceptable. At first they blamed it on the Court which I called and they were able to confirm the BK was revoked, in the State of Florida said information is public record and could easily be obtained. I have reach the end of the road, the information provided clearly states Revoked but Equifax refuses to report it as such and nobody in their office seems to know what to do. Their incompetence is costing me closing on a home. I called many times but only spoke with supervisors on XXXX occasions, they understand that the the document clearly states revoked but they do n't know how to deal with my case. My bankruptcy should read revoked, dismiss, or deleted from my file as said bankruptcy grant me no protection was it 's revoked.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get repeated calls from Conns on a daily basis after the XXXX of the month. I have told them that I have lost my job and though I am late, they are always paid during the month. They start at XXXX and call my home, my cell and will continue to call even when I tell them I cant pay today. It is constant and it is harassment. The calls are over XXXX calls on both phones daily. Sometimes back to back within XXXX minutes on both phones.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-12-2015 about Debt collection (Medical) with First Federal Credit Control (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am not aware of a credit charge from First Federal Credit Control. 

This reflect an original creditor of XXXX of XXXX Florida in the amount of {$210.00}. The open date XXXX XXXX, 2014. I am disputing this charge as i have no knowledge of this charge. Please assist. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I contacted TransUnion with incorrect information on my credit report on XX/XX/XXXX, advising them of the information that is incorrect. They sent me a copy of an " updated '' credit report, that did not have all the information updated. I sent another letter to them via Certified Mail on XX/XX/XXXX, advising them of the information that was still incorrect. I received another updated credit report today, XX/XX/XXXX with the incorrect information STILL listed on my credit report. It should NOT take 3 letters to have INCORRECT information removed from my credit report. I want ALL the phone numbers removed - I do not want my phone number listed. I do NOT, nor have I ever gone by XXXX XXXX XXXX. My employment data should only reflect my current employer, as per stated in my previous two letters 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 non-monetary relief
Consumer complaint received 04/21/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Deposits and withdrawals

Complaint: On    XXXX   XXXX     2017  my bank,  Citibank  without my knowledge, placed a " fraud hold " on my account. They claimed that a check I deposited from my roomate, was made out to my last name  XXXX   XXXX . My name is    XXXX   XXXX   XXXX   .    Despite the fact that this same name had been written on the monthly checks on last few months.   To date these funds are still on hold despite numerous hours of phone calls to customer service, and the branch mangers in the  XXXX  office.   I have a copy of the paid check from my roomate so we know that  XXXX  paid the check on  XXXX   XXXX  to Citibank. On  XXXX   XXXX  my funds were to be release to me. They were still on hold. I was instructed by  XXXX  a supervisor number  XXXX  on   XXXX   XXXX   to bring a copy of this paid check to branch to clear the issues. This was the second time I had brought this copy to the bank.    XXXX   XXXX  the branch  manager had  called the fraud dept and she called to tell me that the funds would be available at midite the  XXXX .   It 's now  XXXX   XXXX  and my funds are still being held This is my household account and I have been forced to exhaust my business account at my other bank to pay for things like groceries, gas and our water bill, insurance.   Today I found out after finally speaking to the fraud dept that they released the hold on  XXXX   XXXX . They claim now that another check that was written to me for {$4000.00} was st ill n pa rtial hold. This also is an error if it is indeed true. You see the branch manager called to check that the funds had been paid on this check from  XXXX   XXXX ,    ( it w as a check from my father ) on  XXXX   XXXX  and verified the funds had been paid ans that the funds should have been completely available to me that day.

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 05/30/2017 about Debt collection (Other debt) with AFNI INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: AFNI is stating I owe a debt of {$970.00}. I repeatedly disputed this claim several times which was originally through a debt collector named   XXXX   XXXX   XXXX   and was deleted from my credit report and 3 months later AFNI added it back on. the reported information is incorrect. My services is with   XXXX   XXXX   and has been for over 3 years. I have never received any paperwork from AFNI stating I owe the debt or details of the debt, and they have failed to verified correct information. This false new activity from AFNI have caused my credit score to dr op over  XXXX  points which has affect my ability to close on a home for my children. I would appreciate if they could immediately delete their recent activity off my credit report from all  XXXX  bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Payday loan, title loan, or personal loan (Payday loan) with Flurish Inc. (CA).
Issue: Struggling to pay your loan

Complaint: I receive 83 phone calls from this creditor between the hours of XXXX XXXX to XXXX on XX/XX/2018. 
Very excessive and not necessary. I was receiving phone every 2 to 3 minutes apart. I had to eventually block the number on my cell phone since I was in a work meeting at the time the calls were placed. 
I have asked to not receive calls during work hours, and advised I am available after XXXX PST. They are obviously not honoring this request. 

I have called and requested a supervisor to call me, and now I 'm not receiving a call back.

Company response to consumer: Closed with explanation