milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/14/2018 about Checking or savings account (Checking account) with U.S. BANCORP (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I called US Bank through their XXXX ( XXXX ) XXXX number oXX/XX/XXXX XXXX XXXX to inquire for information on how to close my checking account since I already moved to Florida and there's no ATM or branch here. I spoke with a male banker who told me he can do it over the phone. I told him I was just asking for information since I thought there are paperworks that I need to write or mail. I told the banker my salary will be credited to that checking account on XX/XX/XXXX so I have to call them back after 2 days so I can receive my salary from my company before I close my checking account with them. The banker agreed and we ended the call. I went on with my evening and about XXXX XXXX, I opened my US Bank app on my phone just to check my balance, I noticed that my checking account is no longer showing on the app, only the savings and credit accounts, so I called their customer service number again at XXXX XXXX and spoke with a female banker who told me it's showing on her system that my checking account was already closed. I told her I did not give the previous banker the authority or never confirmed over the phone that I agreed I'm closing my checking account on that call. She said she will write an email to the banker 's manager and she will ask the manager to call me within 24 hrs. Since nobody called me after 12 hrs, I called their customer service number again at XXXX XXXX  XX/XX/XXXX and spoke with another banker who told me the best that they can do with the pending credit to my checking account ( our salary will be credited on XX/XX/XXXX ) is return the credit to my employer after 2 business days since they can no longer open my closed checking account. I told her you should do something since I did not authorize the closure of my checking account but she answered that's the best that they can do - return the money to my employer and wait until my employer send it to me to Florida through check. I told her it would take some time since my employer 's corporate office is in Minnesota and I have to go through all the trouble of answering to my creditors as well as my rent which is due this Friday. She answered me that's the best that they can do so I told her I will be filing a complaint at the bank 's regulatory boards since their own banker closed my checking account without my confirmation over the phone and I am left here to deal with my creditors and my landlord since I don't have cash on my checking account.

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 04/20/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The XXXX XXXX organization sent my account to a collection company, XXXX XXXX of XXXX VA, without billing us directly. My family of XXXX has lots of XXXX medical issues in the course of a year, and in every case, we always pay our bill immediately, or in exceptional cases make arrangements to pay extremely large bills over a series of installments. We have a high deductible medical insurance plan, and routinely we pay over {$6000.00} in medical costs until the deductible is met, and when the deductible is met, our insurance faithfully covers the remainder. We use our local XXXX XXXX 6 or 7 times a year, at least until now, and we have never had any issues, and our credit reports demonstrates that we do n't have issues with anyone else. We first became aware that XXXX had sent a balance to collections with XXXX XXXX of XXXX VA XX/XX/2016 when my daughter required medical care. Naturally, as soon as we were informed that anything was outstanding, we paid the bill in full immediately at the front desk of XXXX XXXX. We contacted the credit bureaus about the matter, and naturally the erroneous information was " confirmed ''. This is an abusive practice and I can not fathom what business purpose it serves to take ordinary receivable matters in turn them into inappropriate collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/29/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX has been listed on my credit report with Equifax and XXXX I 'm not sure about XXXX because I am unable to access that report online. XXXX XXXX is backed by XXXX XXXX from what I have investigated thus far. I have made several calls to them trying to get resolution and find out why they are listed on my credit report with a date over 10 years ago. I was told by XXXX in XXXX dept. that I once had an XXXX Credit card with a open date of XX/XX/XXXX and account was closed on XX/XX/XXXX and deleted from my credit file XX/XX/XXXX. Somehow XXXX XXXX has my XXXX # and has been reporting that I have an open line of credit with them and paying as agreed. I have no idea who these people are and I do not have a line of credit with them nor I 'm I paying anyone under this name. I would like this removed from all XXXX credit reports. I am a single mother trying to clean up my credit and have been turned down for credit due to inaccurate information such as this reporting on my files. I have not been getting much help with anyone and they are speaking to me as if I am out of my mind or seeing this when this is clearly on my credit as revolving credit. I have called the Agency control, XXXX XXXX, XXXX XXXX and still no resolution. I was even told they have my name spelled " XXXX XXXX '' with XXXX XXXX. I would like to know Who these people are and how they are able to get away with something like this. Please help! Thank YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Mortgage (Other mortgage) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My HAMP loan was transferred to CitiMortgage about 2.5 years ago. Something went wrong with the transfer of paperwork and I have been subject to harassment by Citi ever since. Three weeks after the transfer XX/XX/XXXX, when I had n't received any further paperwork including the monthly statement and bill, I called Citi to ask where I should send the payment for that month. They told me I was in the foreclosure process since I had n't paid my bill in 3 months. They refused to accept that I was not with their company during that time period and refused to send any paperwork. Since that time, Citi has threatened me with letters and phone calls and at one point, a $ XXXX " lawyers fee '' for not paying them what is not owed them. It took hiring a lawyer to get the fee removed, but Citi has continued to refuse to acknowledge my multiple requests to fix the start date. They messed up my escrow payments, and have recently removed me from the HAMP program without my consent, stating I no longer meet the qualifications since I refuse to pay them what is not owed them. I am at my wit 's end. I am ready to sell my house just to get rid of the harassment. If this is what home ownership is, it 's not worth it. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: This is a follow-up to case numbers XXXX and then XXXX. Chase has been holding funds for a check for {$3500.00} in a suspense account since XX/XX/XXXX. Based on response from XXXX, in which Chase suggested that " You and the maker of the check can visit one of our branches with two forms of valid ID to verify issuance of the check '' ( which was repeated to me on the phone, and at visits to Chase branches, and seems absurd, and is the basis of case number XXXX ), I took the day off from work on XX/XX/2016 and traveled an hour and a half each way by subway and the XXXX to XXXX, NY ( copy of XXXX ticket attached, and phone conversation with Chase fraud department from XXXX branch on record ), to meet the maker of the check and we proceeded to the nearby Chase branch in XXXX. We both presented out identification to a manager, as requested, and of course signature on maker 's ID matched signature on check canceled check that maker had brought along, along with his statement from XXXX showing check had been paid to Chase back in XXXX. The manager called Chase fraud department ( Chase 's term for this department is " executive offices '' ). Nevertheless, this department refused to release the funds. 

I missed an entire day of work, on top of the countless hours spent on the phone and visiting Chase branches ( on XXXX where check was originally deposited to my account with a teller, and downtown where I work ) in the weeks and months following the initial deposit. 

Not only is Chase still holding the funds, they continue to refuse to let me know the basis of the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech took over a mortgage some time ago that did not have an escrow account. they placed forced insurance on the account, took part of the p and I payment for the escrow. declared the account delinquent. we have insurance on the account with them named. this has resulted in negative comments on my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Hello, my name is  XXXX   XXXX  and the problem I 'm having with experien is  XXXX  accounts on my credit report are wrong  XXXX  of them are public record and I 've paid them out already and the other  XXXX  are hospital bills that my insurance has already covered and eventhough I 'm disputing the public record I ca n't dispute the other  XXXX  hospital bills because there 's no account number on the other  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 07/27/2016 about Debt collection (Payday loan) with Russell W Richardson, Attorney at Law (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company has called XXXX family members. They have my first name correct, but not last name. I 've started receiving these scams since I recently received new credit cards. I 've told them it 's not my debt, and they still continue to ask how I 'm going to take care of this debt. If I do n't, legal action will be taken. They will not validate the debt, except a generic invoice through email. It 's also a debt from 2008, over 8 years ago. The 'representative ' claimed they have special permissions to bypass the statute of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/25/2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (WI).
Issue: Settlement process and costs

Complaint: I filed a chapter XXXX, XX/XX/2016, I applied for a Deed in lieu with Select Portfolio Servicing and was approved by them gather all my information and submit it via Fax, and Email, received confirmations that all information was received, 4months go by I heard nothing then out of blue the last two weeks of XX/XX/XXXX they stated that they do n't have copy of my satisfaction of mortgage, I submitted the information via email, email confirmation stated that received, then 30 days later I called back for up date, they stated that it was not recorded correct, I then called my county courthouse and spoke to the records department and they stated that it was recorded right and there is no lean on the property!! After I called SPS back the same day, now it 's a mistake and they need a copy of my divorce decree, I was mad because that was sent in the beginning, I purchased the home in XX/XX/2006, and got divorce in XX/XX/2008, it states on the decree that I am the owner of the property and other findings, as well. They keep giving me the run around and the sad part is I was the one calling and follow up!! I called the ombudsmen department and XXXX, from the department stated that the underwriting department has n't touched my account since XX/XX/2016. I called my relationship manager XXXX and asked her why she lied and told me that the underwriting department was still looking at it and that the ombudsmen department said it was not looked at since XX/XX/XXXX. She had no explanation for thRee and that it would be submitted urgent need!! I am so tired of this process and prolonged the process they are unprofessional and liars they deceive their customers!!! Can you help me!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Debt collection (I do not know) with NORTHLAND GROUP INC (ME).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received attached letter in regards to XXXX Bank. This bank does not exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Identity Theft Affidavit Fraud!! APPLIED BANK XXXX .... 
{$980.00} as of XXXX/XXXX/XXXX XXXX Account charged off. {$980.00} written off. {$980.00} past due as of XXXX XXXX. 



XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX Address identification number XXXX Type Business Card Terms NA On record until XXXX XXXX Credit limit or original amount Not reported High balance $ XXXX Monthly payment {$0.00} Recent payment {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Reinvestigation information This item was updated from our processing of your dispute in XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXXl attacking my credit scores for their error -opted for automatic payments in XXXX XXXX -XXXX set it up incorrectly -The XXXX 2017 payment was not made ( I was not aware ) No warning. No notice. No contact until XXXX 2017. Nothing reported by them to the credit agencies that I was delinquent until XXXX
2017. When they told me I was delinquent I paid within three days ( I had to wait to get paid ) Now my credit has dropped hundreds of points and I want to seek legal action. Just gross incompetence.

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 10-03-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XXXX/XXXX/XXXX I contacted Experian regarding their reporting under Public Records of a balance on a Judgement which was satisfied on XXXX/XXXX/XXXX. They updated my credit report to show the Judgement as satisfied but they still show a balance of over {$12000.00} I asked them why they are still reporting an open balance when the Judgement was satisfied. Their response was to state they are reporting the Judgment as satisfied yet they still have not changed the balance on their report. When I contacted XXXX about the satisfaction of judgement they quickly and correctly changed the status to satisfied and updated the balance to zero. Experian has provided know explanation as to how they can still be reporting an open balance and yet also state that the judgement is satisfied.

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 09/18/2015 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Late fee

Complaint: My husband lost his job in XX/XX/XXXX leaving my income as the only source for paying bills. It has become hard juggling rent, food, creditors and other debts. We contacted Barclay with our situation. With each month we are charged a late fee and over the limit fee. Each time we are told we must pay the minimum passed due amount, which has been difficult on our limited income. With fees mounting our monthly due is skyrocketing and growing out of control. We feel like even when he finds employment we will never be able to catch up and our credit will be ruined.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: After reviewing my credit report I have found information, which needs to be corrected. I originally disputed a collection account from AFNI with Equifax because it was being reported as a collection with a balance. Following the laws of the FCRA it is unlawful for the account to show a derogatory status on my report due to the XXXX being discharged in my Chapter XXXX bankruptcy. AFNI changed the account to a XXXX balance, but continues to report it as a disputed account, which when run through credit algorithms still projects negatively and effects my credit rating and respectively the percent of interest I am charged for credit. I am requesting that the item be deleted to correct the information. I am also enclosing a copy of my discharge of debtor form following completion of my Chapter XXXX bankruptcy, discharged on XXXX XXXX, 2014. 

The original account AFNI was illegally attempting to collect on is as follows : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX Amount of dispute - {$240.00} Reference # XXXX Collection attempts on a discharged debt is a violation of the FCRA and a violation of the permanent injunction of my discharge. Thank you for your assistance with this matter. 
Here is the contact information for my bankruptcy lawyer : XXXX XXXX XXXXXXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX Fax : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Customer service / Customer relations

Complaint: Was subject to credit card fraud. BankAmerica closed the account and sent out a card for a new account. The new card was sent to someone else at a different address. Then they were supposed to send it to me at my office. Again they sent it to the wrong address. At no time was a signature required. I paid the balance ( not including the disputed amount ) in full on time. They could n't manage to post that to the new account. But they had no trouble moving over the balances owed. When this was brought to their attention, they agreed they got the payment and would move it over. But they would not issue a corrected statement to me. Claimed they could n't. And if they could they could n't email or fax it to me. Prior to BankAmerica buying XXXX it was able to do these sorts of things. After being put on hold for 30 minutes XXXX different times, I finally spoke to XXXX XXXX who claims she is the head of their service center and she reports to no XXXX outside of the chief corporate officers of BankAmerica. She again refused to send me a corrected statement showing the payments I had made. To say the least I will be closing my BankAmerica credit card and will find XXXX that has no connection whatsoever with BankAmerica. Not that I expect customer service anywhere else to be any better. Are n't we glad all of these banks are too big to fail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with DISCOVER BANK (NY).
Issue: Charged fees or interest you didn't expect

Complaint: Late fees assessed improperly. I called i n 2015 to in quire about changing the billing date of my personal loan payment and was instructed that I could do thi s three  times throughout the loan. I then went online and changed my auto-payment date, thinking that would have the effect of changing the official payment date, but it did not. Since I was using auto-pay, I did n't know I was being assessed a late fee every month, despite not being told at the time I changed my auto-pay date that this would not change my official payment date. The total late fees assessed were  XXXX  x {$39.00} = {$390.00}. Once I realized this occurred, I called and the customer service rep was authorized to refund  XXXX , leaving an outstanding balance of {$270.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/31/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I have had my accounts with Chase for years. I got a letter stating they decided to close my account and I called which at that time was told they did not have to disclose why and I requested to speak to a manager and was told nobody had to disclose why they decided to terminate our relationship. I was then put on hold for a hour which at that point I hung up the phone. I even have my auto loan with them. I am a great customer and feel like there is no reason my account should be closed with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Checking or savings account (Other banking product or service) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Can you reach out to @ XXXX and make sure they have my transaction data on time. That would help me so much, @ askRegions

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 08/26/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This is account was deleted off my credit report and now has been reinserted. Please have Equifax remove ASAP. 
XXXX XXXX Status Closed

Company response to consumer: Closed with explanation