milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2015, I contacted Bank of America supervisor at the XXXX XXXX Branch regarding a HOLD placed on my XXXX Business Banking Accounts, Personal Accounts, My attorney XXXX XXXX required documentation to show a judgment based on the Levy. XXXX XXXX would not provide any documentation to support the levy. 
When I requested the phone number of a supervisor of Legal Department, he stated '' It was not public information '' Bank of America refused to provide assistance on these accounts that the levy was in dispute, and refused to provide information on the validity of the court judgement or levy notification. Several insufficient fees were placed on the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A medical bill was transferred to this company after the doctors office filed it incorrectly. I started making payments in good faith while I fought with the insurance company over the payment of the bill. Upon the successful discussion with the insurance company, I was notified that the insurance company paid the bill in full. On XX/XX/2017 I spoke with Transworld and it was requested that I send the notification ( EOB ) from the insurance by fax. I sent it at XXXX that day. I called back on XX/XX/2017 and was told the faxed document had been received and I would be contacted on XX/XX/2017 and told the status of my refund of the payments that I had made up to this time. I never received a call back. I called again the morning of XX/XX/2017 and was told that they had no record of me or my account. I called back again and was told the fax had not been transferred to the needed department and they asked if they could call me back in a couple of days.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (I do not know) with EOS Holdings, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not owe any money - theya re form XXXX or XXXX - the calls come from XXXX - all times of day - leave messages - rude

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (HI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Previously XXXXXXXX XXXX XXXX was reporting same time as XXXX funding on my credit report after XXXX XXXX had sold my account to XXXX in XXXX of XXXX I paid XXXX and they removed from all my credit reports I sent a letter to XXXX XXXX in XXXX on why they are still updating my reports as late they replied back with a letter stating they no longer own my account they sold to XXXX and to contact them then again in XXXX they updated my account as late. I have supporting documents to verify this statement

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 03/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Describe what happened so we can understand the issue ... 
For the last couple of years I have worked diligently to repair my credit. I have had many challenges to say the least. I have paid off more accounts than negative credit. Accounts I have disputed have been removed from my account. I am employed and have been for 20 years at the same employer and have worked a XXXX job for more than 6 months changing my debt to income ratio. In this time my credit score has remained extremely poor. Based on the below chart my score should have changed for the positive long ago thus increasing my score. There are also several questionable inquiries on my credit report which concern me. 
Payment history ( 35 % ) The first thing any lender wants to know is whether you 've paid past credit accounts on time. ... 
Amounts owed ( 30 % ) Having credit accounts and owing money on them does not necessarily mean you are a high-risk borrower with a low FICO ( R ) Score. ... 
Length of credit history ( 15 % ) ... 
Credit mix in use ( 10 % ) My attempted in verifying my score with each bureau via phone went nowhere. They will not answer questions about your score and direct consumers to go on line and pay to view the score. Even after I stated I wanted a copy of my report because I was turned down for credit and I was still directed to go on line. I was told by customer service that I could not dispute my score. Where is the customer service? There are times it is not convenient to go on line especially when a consumer has questions. 
Consent to publish the description of what happened? Consent provided

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 06/14/2016 about Credit card () with CITIBANK, N.A. (NH).
Issue: Credit card protection / Debt protection

Complaint: Citibank XXXX credit card claims as XXXX of its XXXX Benefits " XXXX car Rental Insurance ''. It says : " You can be covered against theft or damage up to {$100000.00} for any rental car in any country. Just use your Citi card and decline the rental company 's loss/damage insurance ''. 
In XXXX 2016 I rented car from XXXX in XXXX XXXX. The car got broken into. XXXX passenger side windows were broken. My credit card was charged {$400.00}. I made a claim to Citibank. Sent them all the information as requested by e-mail. Received XXXX e-mail confirmations that they received the documents. 
Today is XXXX XXXX. Two days shy of 1 month. 
I have heard nothing. I have called them three times. They just say that they are working on it. This is a SCAM. I regret NOT getting XXXX insurance. 
Citi should NOT lie about providing a benefit. 
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 01/26/2016 about Bank account or service (Checking account) with STATE EMPLOYEES CREDIT UNION (SC).
Issue: Deposits and withdrawals

Complaint: I disputed a transaction from a company and received a letter from my bank stating that the dispute was finalized and all provisional credits issued were finalized. Then I received an email from the bank stating a representative by the name of XXXX XXXX made a mistake and issued a letter when really not all the provisional credits were finalized, and instead they debited {$89.00} from my account as they said that dispute was not approved. This was an admitted bank error that I have proof in writing of - We should not be charged the {$89.00} and should be granted the credit of {$89.00} as that is what I have in writing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Acceptance Rentals, Inc. (GA).
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: Acceptance Rentals, Inc. of XXXX, GA has failed to report a paid off day furniture account to XXXX Credit Bureau even though theyve confirmed through email that its reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/14/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (VA).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: I was  denied a Synchrony BP Gas ca rd in  XXXX   XXXX . I applied a second time and they pulled multiple credit reports against my credit, The fraud department removed  XXXX  inquiry but would n't remove the other inquiries from  XXXX  and  XXXX  credi t Reports. Synchrony Bank had all   XXXX   credit bureaus notified that I committed fraud by applying for BP credit account. How can I commit fraud when it was me the consumer applying for credit? I still have fraud alerts on my credit reports with   XXXX   XXXX   XXXX   XXXX   to this day all because I asked them to remove those excessive credit pulls! It gets even better now that I provided some history with applying for BP Card with Synchrony Bank. Received an preapproval for BP Gas card via em ail around  XXXX   XXXX . Like a fool I applied again since I was preapproved. I ended up again getting declined. It gets even better. I received an letter from Synchrony Bank dated  XXXX   XXXX ,  XXXX . This letter stated that I was declined in error for BP Gas card I applied for back in  XXXX   XXXX . There was an attached letter stating all I had to do was sign the letter and send it in and I would received the card as long as it was sent in 30 days. I mailed letter twice because there was  XXXX  different post office box address for  XXXX  Florida where I was suppose to return the signed letter in order to receive my BP Gas Card, I have been a customer with this bank for many years. I currently  have a Walmart, Amazon and American Outfitters accounts with this bank, I find this banks behavior totally unprofessional and will be filing additional complaints.

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 10/19/2016 about Payday loan () with CURO Intermediate Holdings (LA).
Issue: Charged fees or interest I didn't expect

Complaint: I have sent a copy of my old bank statement showing that i have paid this debit. And a picture ID to the collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX that was incharge of this debit. And to equifax where this item is still on my credit report. The date when it was issued is incorrect. This debit was issued to me on XXXX/XXXX/2016 realizing i do n't want it. It was sent back through on XXXX/XXXX/2016. After sending proof about this account what more can i do the have it corrected. Even the date i suppose to have received this loan the date is incorrect it does not corrosponse with the date applied.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Debt collection (Medical debt) with Capio Partners, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I pulled my  XXXX  Credit Report today,  XXXX   XXXX ,  2017  and there are  XXXX  collections on it just reported in  XXXX . I have not received any communication prior to them being reported to the credit Bureau by this collection agency I can identify.     I have highlighted the  XXXX  collections that appeared on my bureau from snapshots I took from the  XXXX  website noting the reported date as  XXXX ,  2017 .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (MI).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/2015, I was purchasing a {$3.00} item on eBay. I logged into my existing PayPal account, changed my payment method from " bank account '' to " credit card '', and clicked a green [ Apply ] button. After scrolling through some disclosures, which I assumed were updates to PayPal 's terms, I realized I had just opened a new credit account with a {$1000.00} limit! I do not want the credit account or even a credit pull on my credit history. Also, I received an email from " PayPal Credit '' saying " Thanks for making a purchase with PayPal Credit. '' That is not the payment method I used for the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/XXXX I decided iwanted to get some help with my student loans ; have my loans forgiven or reduced.I then started doing my research and came across XXXX XXXX i gave them a called andspoke To XXXX XXXX I briefly told him about my stitutaion, He then Instantly told me that he could help me, and i came to the right person.He told me how XXXX XXXX been around for a long time, helped millions of students around the world with their loans and also XXXX XXXX was apart of the obama student loan forgiveness.He then asked me for my ssn DOB address, place or employed and so on. so he could get started, I proceed by doing so.After I was finishing giving him all my information, he told me that he would get back to me in a week or so he had to send my information to the DOE. after a week i notice that i was getting calls from different numbers, i got scared and told them to cancel my application.on XX/XX/XXXX a  charger of XXXX was posted to my Credit report from XXXX XXXX XXXX  on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Bank account or service (Checking account) with ASTORIA BANK (NY).
Issue: Account opening, closing, or management

Complaint: I opened a new checking account with Astoria Bank on XX/XX/2016 with an ongoing promotion. Even though I applied online I was asked to come to branch to finish account opening. Once in the branch I pretty much had to disclose all the information I already gave online again, I asked them to confirm {$250.00} bonus promotion for having direct deposit for XXXX consecutive months or XXXX bill pays/month for 3 months and they confirmed I am enrolled. They also mentioned I would receive a {$50.00} direct deposit bonus once I receive my first direct deposit. Surely I received my {$50.00} direct deposit bonus on XX/XX/2016. I kept paying bills using this account and also kept my direct deposits. Upon meeting requirements in XX/XX/XXXX I asked them when I would receive the {$250.00} bonus via a customer message and they told me that because I received a bonus already in XX/XX/XXXX I am not eligible. I explained that noone mentioned this when I was in the bank, if this was the case why was the direct deposit even an option noone would choose {$50.00} over {$250.00}. Asked them to revert the first bonus and instead give me the one I am already eligible for but I was denied. If I knew this would be case I would have avoided direct deposit all together.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have tried to correct the errors through TransUnion Online Dispute site, but the site does not function properly and I am getting nowhere. There does not appear to be other any way to contact them. They are including my ex-husbands information as mine.

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 07-06-2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not owe a debt with this company. I have disputed and requested validation and nothing.

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 11-12-2016 about Bank account or service (Other bank product/service) with SUNTRUST BANKS, INC. (VA).
Issue: Account opening, closing, or management

Complaint: Good Morning CFPB, My wife and I used SunTrust Rewards to book hotels in XXXX XXXX, Nevada and XXXX XXXX, South Carolina on XXXX/XXXX/2016. The reservation for XXXX XXXX was excellent, and we even called back to have our room upgraded. The reservation for XXXX XXXX has been a total nightmare for us. We have spoke to the same supervisor twice concerning our reservation. She continually informs her customers that they are incorrect, because she listened to a recording between the technician on duty and XXXX XXXX XXXX. The supervisor never offered too allow us the opportunity to listen to the tape ; however ; she consistently informed the customers that we are wrong. I am simply asking that my reservation on XXXX/XXXX/2016 be modified from XXXX villas to XXXX villa with XXXX bedrooms. We have spent many hours trying to rectify this problem with XXXX and SunTrust. We have come to the conclusion that we will eat the additional {$520.00} for a villa that we do not need ; however, we will discontinue all services at SunTrust. We have been loyal customers for over 22 years, but we will be moving all services to XXXX XXXX if we can not resolve this issue with SunTrust Rewards. We spend thousands through SunTrust Rewards every month, and we are dissatisfied with the service that we received from SunTrust Rewards management. They made a correction to my XXXX XXXX trip ; however, no correction can be made to our XXXX XXXX trip. We are tired, and we deserve better. Bottom Line is We are totally dissatisfied, and we will transfer all accounts if this problem is not rectified in a timely manner. We are considering talking to the XXXX concerning this issue. Our next letter will be directed to SunTrust Board of directors if this issue is not resolved in a timely manner. 

Respectfully, XXXX & XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/29/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Here is another, and the XXXX in a series of complaints that Equifax is attempting to not formally respond to. 

There is no credit repair or fixer, involved in any of my disputes, adding this as a means to dismiss this dispute becomes a willful dismissal. There is a penalty for each dispute filed, and EQ employees are creating XXXX at this point. 

Equifax 's comments '' *Equifax has reviewed the complaint and its records. *Equifax did not receive any additional communications from the consumer during the review of the complaint. *No follow up actions are required in further response to the complaint. " Equifax has been manually updating reports making them inaccurate, these Tradelines now reflect as not being paid - and closed. This is a trending issue, and as such -- I do not agree to resolving this dispute outside of this portal. These defects in the record are the result of EQ making changes, and not the source. 

ALL of these accounts are CLOSED and PAID, and at some point stored the correct designation. They were updated and innacurate. I DO NOT agree to have these positive Tradelines, deleted because EQ manipulated the data, it must fix it. 

The following CLOSED Tradelines - have a " N/A '' Activity Designator, and should not. 

Account Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. XXXX XXXX is the only XXXX reporting correctly. 

Credit LimitXXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX DCShow Details XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX LOST OR STOLEN CARDXXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXX BANK XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Debt collection (Medical debt) with Radius Global Solutions LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I had an account on my credit for {$280.00} from  XXXX   XXXX   XXXX . The account was removed from my credit due to a dispute. The collection agency assigned to this debt was  XXXX   XXXX   XXXX  (  XXXX  ) account #  XXXX .  XXXX  sold this collection account on  XXXX / XXXX / 2017  ( approximately  ) t o  XXXX   XXXX   XXXX   XXXX ,  XXXX   (  account number  XXXX   XXXX  ) and they have placed a new account on my credit in the amount of {$1500.00}. How can they increase an amount by 5 times the original amount? I am confused. Then, they sent a  XXXX  page demand letter with payments equaling a car payment. The letter did not comply with all the regulations required by the CFPB. They placed this on my credit report as new debt with the increased amount that I never owed them on the original company. This company has been harassing me with calls and demand letters.

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 01/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have never heard from this company of any kind. I have not been contacted at all via phone, mail or email. This company has failed to contact to me. I have never heard of this company at all and never authorized an account to be put in my name at all

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is my third attempt to get this cleared off my reports. I have sent documentation every time.

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