milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/23/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I applied for a bank of america business checking account and was initially approved provided sufficient documentation of the business and received a business debit card and online banking access as o f  XX/XX/XXXX .   No activity occurred other than an initial {$25.00} deposit. Today  X/XX/2017    I could not activate the card and was today the account was terminated for no reason. They did not disclose this information to me legally the representative was rude and provided no additional information. This should be against the law to terminate good standing accounts and waste peoples time with an already burdensome application process ( i would have applied elsewher e ). Plea se enact a federal regulation overseeing the closure of these accounts, many people are having their money with much large deposits being stolen by Bank of America. To call them names and ridicule them does not due them or myself justice instead take control of these banks and enact legislation that will regulate these unjust activities OR sue them and give us our money and time back. I am a  XXXX   XXXX   XXXX  patient and they just took more time off the remaining life that i have. What pieces of garbage!

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 04-09-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TN).
Issue: Credit decision / Underwriting

Complaint: I filed a Chapter XXXX Bankruptcy on XXXX XXXX, 2005, in XXXX Tennessee, XXXX XXXX, case no. XXXX. At the time, XXXX XXXX XXXX was the mortgage company for my house, and this loan was sold to XXXX XXXX XXXX. I have paid the note in a timely manner since the filing of the bankruptcy over ten years ago. The current mortgage company, Green Tree Servicing , LLC, as servicer for XXXX, will not report my timely payments to the credit bureaus, which is prohibiting me from being able to get credit for my faithful payment of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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: I have made attempts after attempts to get   XXXX   XXXX   and    XXXX   XXXX   XXXX   off my credit report. It make no sense I have sent proof and as a consumer my rights is taken away ... these buresu s should be ashamed for letting a company do this ... i have been challenged these inaccuracies for months even after I sent in proof nothing has happen.How can a person send in proof and they so nothing to an account..sad is what these companies is.Two companies can not collect on the same debt and I have sent proof many times.

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 11-03-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I star received a phone call from a collection a collection agency on XXXX/XXXX/XXXX and now still receivend letter in reference a XXXX deliquente accoun in the amoun of XXXX i never open a account with XXXX XXXX, of provide anyone with permission to obtain a account using my personal information, and no responsable for those charge, same XXXX they being colleccting tha mony from my

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 02-11-2018 about Debt collection (Medical debt) with Snow and Sauerteig LLP (AZ).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: This complaint is regarding Snow and Sauerteig LLP. Not only are they calling me sometimes 5 or 6 times a day, but are now taking money from my business account which is a registered LLC account. 

This is for a debt for a medical test done once I found out I had XXXX XXXX XXXX XXXX. I am a veteran and there was confusion as to where I was supposed to have this test done. I have told this company repeatedly that I am on XXXX and a fixed income and can not pay this debt at this time. I have been deemed unable to pay by the IRS! 

Now this company is taking money from my account that I never agreed to! Not to mention the repeated calls. I will be putting a stop to the payments taken from my account but my fear is they will just find a way to continue to take money. I can not afford this, at this time. If my situation changes with my health I will pay the bill when I start back to work. 

They just took a withdrawal from my account for {$20.00} in XX/XX/XXXX and another in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (VA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I ordered some items by mail on or around XX/XX/2018 with my XXXX store card. I received an alert with the XXXX credit Bureau that an hard inquiry had been made against my credit. The evine card had large credit limit and was open in good standing. I don't know why they felt they had to check my credit. I would of preferred that they contact me or not honor the order if there was going to be a problem. I called and spoke with an unknown representative about a week later and was assured that the inquiry was going to be removed to no avail. I would just like the inquiry be taken off since I already had the card. There was no need to place an hard inquiry against my credit.

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 11-04-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a judgement on my credit report that does not belong to me. The credit bureau deleted the account from the collection agency but has not removed the judgement, which is the same item.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: On XX/XX/XXXX I opened a 360 checking account with promotion code : XXXX. This promotion is for a {$300.00} bonus for opening a 360 checking account account with Capital One and making two direct deposits of at least {$250.00} or more within 60 days. I have met all the terms outlined in the promotion, but have not yet received the bonus. I contacted Capital One and they have informed me that I will not be receiving the bonus, with no explanation. Account Opening Date : XX/XX/XXXX {$250.00} Direct Deposit : XX/XX/XXXX {$250.00} Direct Deposit : XX/XX/XXXX The terms of this promotion are outlined clearly and I have met all the requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I bought a car from XXXX XXXX back in XXXX 2017. I signed off to let them pull my credit report once but not SEVEN times! i am very upset that they did this without my permission.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Equifax data breach and delay in reporting breach to affected consumers

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (IN).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: NATIONSTAR I S FAILING TO REPORT THIS ACCOUNT ON  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have had this account since  XXXX   XXXX . I always  ( ALWAYS ) m ade on-line payments through my bank -  XXXX   XXXX  . USAA  always  ( ALWAYS )  accepted these payments until  XXXX   XXXX . In  XXXX   XXXX , they accepted the payments and then unbeknownst to me returned them to my  XXXX   XXXX  checking account. In  XXXX   XXXX , I realized the payments were being returned directly into my  XXXX   XXXX  checking account.  USAA  NEVER reached out to me. Now they have closed my account, and my credit has taken such a big hit I probably can not get a student loan for my daughter 's college tuition. I have complained to  USAA , yet no one really hears what I am saying. They simply think I am in the wrong without looking at the facts. In fact it feels like no one gave me the time of day. I sent them plenty of proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (DC).
Issue: Credit decision / Underwriting

Complaint: My husband and I live in XXXX, XXXX, in a single family home. We are seeking a Home Equity Line of Credit ( HELOC ) from PNC for several home improvement projects. We started the application process with PNC in XX/XX/XXXX. Today is XXXX XXXX. PNC requires a full home appraisal, and I met the appraiser at our home almost three weeks ago on Monday, XXXX XXXX. The appraiser has yet to provide the appraisal report to PNC. According to PNC, he is having " computer issues ''. 
We have asked our PNC representative, through four different messages, to let us know when we will receive a copy of the appraisal and when our application will be decisioned. PNC does not know and tells us that the issue has been escalated to a supervisor. We asked that the appraisal order be cancelled and a new one opened, twice, and received no response. We asked that the delay be further escalated as an issue. No response. 
We understand the importance of the appraisal report so that PNC can render a credit decision on our loan application. We have outstanding credit and have provided all information requested by PNC in a timely manner. In return, we ask for assistance in either obtaining the appraisal that was already completed or ordering a new one as soon as possible. Waiting three weeks for an appraisal report to be completed is unacceptable, and the lack of feedback and support from PNC is deplorable. I have worked in the lending industry for a decade, and I am ashamed that this is the service that hard-working Americans are receiving from big banks. We feel bullied. The bank has all of the power - and all of our confidential personal information - and we no longer trust them to have our best interests in mind. 
The lending industry has come a long way, but the journey to restoring the trust among big lenders and the American people has XXXX steps left in it. Let 's start by guaranteeing that every American seeking an asset-based loan can obtain an honest, relevant, thorough, fact-based appraisal report within 10 days of when the order is placed. If the order is not completed, the appraiser should receive penalty points, and the lender must order a new appraisal immediately. 
If an appraiser accrues a certain amount of penalty points, s/he should lose their designation as an appraiser and be barred from working in the field.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Had a tax liens filed for {$150000.00}, {$6400.00} and {$2000.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I moved to Nevada in XX/XX/XXXX and filed Chapter XXXX Bankruptcy in XX/XX/XXXX. 
All items items were included in the Bankruptcy and was discharged XX/XX/XXXX. All are currently reflected on my Transunion credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Platinum Holdings Group, LLC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Premium Asset Services is violating the Fair Debt Collections Practices Act ( FDCPA ) in communications with me and depriving me of my legal rights under the FDCPA. 

On XX/XX/2016, a message on my answering machine requested me to call a " XXXX XXXX '' at a call-back number. A search of the number found it is Premium Asset Services, a debt collector. 

On XX/XX/2016, I answered the phone and was connected to a belligerent man who stated an alleged unpaid debt and began prodding me to acknowledge it. I did not. He said it can be determined in " discovery. '' I stated that Premium Asset Services is a debt collector and requested that he mail me a collection letter ( written notification ). He insisted they are not a debt collector, but rather a " law office '' or " law firm. '' He refused to send me written notification and said he does not have to do so. He accused me of some sort of legal violations and said I " better get an attorney. '' He said " we only give it 72 hours. '' I said, " I believe you are a scammer. '' He then hung up. 

Since then, numerous messages have been left on my answering machine demanding I call Premium Asset Services, PAS, or a " XXXX XXXX. '' Some have implied that the matter concerns my residence and/or have implied that legal action is pending against me. In addition, the phone has rung multiple times during weekdays without messages being left. 

I submit that Premium Asset Services has violated the FDCPA as follows : 1. In all calls received from Premium Asset Services, failure to state that the call is from a debt collector and that the purpose of the call is to collect a debt. 

2. Misrepresentation of Premium Asset Services as a law office/law firm. 

3. Refusal to send me written notification of the alleged debt. The FDCPA requires debt collectors to provide written notification within five days of first contact. The XX/XX/XXXX call was the first contact. 

4. Implied threats of legal action. 

5. Deceit : Implying that the matter pertains to my residence. 

6. Causing a telephone to ring repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Payday loan () with Big Picture Loans, LLC (OK).
Issue: Charged fees or interest I didn't expect

Complaint: I recently acquired a XXXX loan from castle pay and they said my first payment would be nothing but interest, I 'm ok with that but nowhere did it say that I would end up paying over XXXX for a XXXX loan. The truth and lending statement was not presented to me until after everything was done and I went looking to see how many payments I would have to make. A years worth every other week. That 's. A lot. I would appreciate if someone would investigate this. They are deceiving people. Wish I would have done more investigating before I took out this loan. Learned my lesson

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Credit reporting () with Experian Information Solutions Inc. (ID).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed this with Experian twice now, the account that is on my credit report was my father 's account and I was only an authorized signer. My dad filed bankruptcy and that account was signed off in that bankruptcy. There is no proof that I was anything but an authorized signer on the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (Medical) with The Thomas Agency, Inc. (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: THE THOMAS AGENCY INC 5XX XXXX JUST XX/XX/2015 {$470.00} {$470.00} XXXX XXXX, ME XXXX.They have file this again after they had agree not to put it on my credit report after I had file a report with 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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I tried to call these three credit reporting agencies for annual credit report and they said they can't recognize me over the phone even after I told them my personal information. They refuse to send me 3 free credit reports to me. Also I tried to get approved for XXXX It secured credit card but they declined my application. I suspect that my parents ; XXXX XXXX XXXX and XXXX XXXX XXXX are using my SSN to open more accounts and they financially abused my settlement money after I turned XXXX. I'm XXXX XXXX XXXX and I try to rebuild my credit using secured credit card but I can't because of fraudulent activities by my own parents. They need to be held accountable for doing that to me. I tried to call these three companies but they won't send me free credit report information because they can't recognize me at all. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX. 
Experian - www.experian.com. XXXX  XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXXXXXX 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 explanation
Consumer complaint received 10/24/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (AZ).
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint: I applied for a Target Credit Card in XXXX of XXXX. I charged the account that day since the cashier did my application and gave me a temporary bar code. The amount was about {$3.00} and some change. They stated I would receive my card in the mail but I did not receive it and I was so confused about everything that I thought I had paid cash back in XXXX, so I thought I decided not to put a balance on it until I received my card. Months went by and I decided to call to see where my card was, because you normally do n't get any bills when you do n't have a balance on a credit card. Then they sent me to the collections department of Target and said I owed about {$7.00} and some change. I told them I did not receive my card or any bills at my address. They later said that I gave them an incorrect address and everything was being forwarded back to them. They also said I gave them the wrong address, when I remember giving the cashier at Target my driver 's license that has my address. I paid the amount I owed, and they took off any charges on their end and said for me to call within 24 hours, so I did. Then later I told them that this is affecting my credit, and it should not affect it because it was their error. They stated they would send me some sort of form to submit to the credit bureau, I did n't receive that either. So now I ask for them to fix this because I did not receive anything from them and I should n't be punished by having a horrible credit score, just because a retail store can not get an address correct.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Debt collection (Medical) with Unlimited Progress Corp (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Never received certain items that were billed. They sent my to collections and XXXX deleted the case. Now they are sending new information. I have spent countless hours with this to no avail. I paid for the items I recieved

Company response to consumer: Closed
Consumer complaint received 05-11-2016 about Debt collection (Payday loan) with National Arbitration Forum (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: My wife received a phone call and a collection agency left a message on my wife 's cell phone from XXXX XXXX XXXX. The individual was threatening me. She stated that if I do not notify the filing party, they would show up to my home and/or work place with a " UNIFORMED OFFICER ''. The investigator stated that they would have my supervisor present. Supposedly, they have a court summons for me. The message is in my wife 's voicemail. I called the number to see what that was about, and to see if I can settle the {$300.00} debt. My wife and myself, offered to pay {$200.00} and settle it. They refused the offer.

Company response to consumer: Untimely response