milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/16/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Payoff process

Complaint: We have automatic payments that come out of our XXXX to pay a Bank of America credit card monthly. We recently sold a home and decided to pay off the Bank of America credit card, not with our XXXX account, but with another account XXXX. We went online, changed the bank to XXXX and submitted the payment. This was on XXXX XXXX. The next day our XXXX account was debited for {$11000.00}. This left us {$11000.00} overdrawn since we only had {$300.00} in that account. We called Bank of America and explained the situation, they could not say why the funds were taken from the wrong account. They cancelled the payment and told us it would take from 2-9 business days for them to return the funds. Nothing was or is overdue, our account was up to date. We then called XXXX to explain the situation, they were willing to wait for Bank of America to return the funds. Luckily Bank of America returned the funds ( XXXX ) the next day on XXXX XXXX along with the {$40.00} fee for NSF. We thought the problem was taken care of. On XXXX XXXX they resubmitted the debit to XXXX for XXXX. Their reasoning was that their system is automated and automatically would try to retrieve a prior payment with NSF. However XXXX paid the charge the first time so it was n't as though the system would recognize it as not paid. Today is XXXX XXXX, there have been 3 phone calls and countless hours. They promise that they will return the funds to our XXXX account within 2-6 days. We had to call XXXX again and repeat the same process. They have sent us a complaint form which we will fill out this evening.

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 04-08-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I was being charge with fees from an Appt complex when I moved out. So I filed a complaint with the, " XXXX XXXX XXXX ''. After the review, the XXXX rule in my favor. During the XXXX review, I paid the collection company, because I was getting threatening letters and was being harassed daily. Once I receive the letter that XXXX ruled in my favor, I sent out disputes to all XXXX credit reporting agencies, the collection agency the Appartment company and requested the money back that I paid and disputed the A check was sent to me in XXXX 2014 from the apartment company refunding me the money that I had paid. As of today this derogortory information has not been removed from my credit report. 
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Original creditor was XXXX XXXX. original debt {$1800.00} charged off XX/XX/XXXX per my credit report. it appears that this debt was sold in XX/XX/XXXX to a XXXX party named Portfolio Recovery. the amounts do not match. the merchant listed is XXXX XXXX. which I never applied for credit with nor have never heard of. I am receiving negative reporting on my credit report XXXX for an account that was charged off in XX/XX/XXXX. I am receiving nonstop calls from Sunday to Sunday XXXX hours a day from this debt buyerthat will not leave a message and will not provide proof of debt owed to their company. based on my credit report the account numbers of the charged off account and the debt buyers account do not match.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Mortgage (Conventional fixed mortgage) with FLAGSTAR BANK, FSB (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Greetings, my complaint involves Flagstar Bank, who has put us in a modification purgatory for the last several years, now has sent letter via lawyers that house again in foreclosure. We had entered into our XXXX trial period and completed the 3 month trial period and have n't been contacted since XXXX of XXXX are at wits end with the whole process while accruing penalties, late fees, etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. " that i have disputed. please resolve this manner as soon as possible.

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 07/16/2016 about Debt collection (I do not know) with National Credit Systems,Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was contacted by a collector about a debit for a apartment whom I was not informed about after moving with my 60 day notice

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Debt collection (Federal student loan) with ECMC Group, Inc. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: THIS COMPANY HAS CALLED ME ON A NUMBER OF TIMES AND I HAVE TOLD THEM THAT I AM NOT XXXX AND THE SSN THAT THEY HAVE IS NOT MINE*********** AND THAT THE LOAN IS NOT MINE. BUT THEY KEPT ON CALLING AFTER I TOLD THEM TIME AFTER TIME THAT I DID N'T TAKE OUT A STUDENT LOAN AND THAT IS NOT MY INFORMATION. THEY STILL WENT AHEAD AND FILE A GARNISHMENT TO MY WORK PLACE AND NOW ARE COLLECTING MONIES FROM ME EVEN THOUGH ALL OF THERE INFORMATION IS INCORRECT.

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 07/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I AM FILING THIS COMPLAINT BECAUSE TRANSUNION HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THESE ACCOUNTS : ACCOUNT NAME : CITIMORTGAGE ACCOUNT NUMBER : XXXX ACCOUNT NAME XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX INQUIRIES : ACCOUNT NAME : XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX INSURANCE DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX, XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX 'S DATE : XX/XX/XXXX UNDER SECTION 611 ( 5 ) ( A ) OF THE FCRA-THEY ARE REQUIRED TO " PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED '' THAT I HAVE DISPUTED. 
PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE. 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 04/27/2015 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Using a debit or ATM card

Complaint: U.S. Bank allowed an identity thief to obtain a bankcard and checking account in my name 2 1/2 weeks after the bank contacted me and was aware of a fraudulent credit card application attempt. The first credit card application was apparently denied but no further attempt at stopping the application process was in effect two weeks later. The thieves were able to obtain a debit card attached to a new checking account after I specifically advised the U.S. Bank fraud alert department not to allow credit because I did not apply for credit nor did I have any intention of applying for credit. I was told by the U.S. Bank representative that the fraud alert at the credit bureaus was effective in stopping the attempt. Apparently U.S. Bank allowed the credit to go through because the thieves deposited {$1000.00} in a new checking account. The new debit card was used for purchases which triggered an automatic fraud alert telephone call to my house on XXXX XXXX, 2015 so that is how I know it was being used fraudulently. I suspect mail fraud was also involved because the address on the application was not mine.

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 (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint: I was a victim of the issue TransUnion had with credit reporting. I called customer service and they were unhelpful. XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 07/27/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are several inquiries on my credit report that I did not authorize. I have disputed with agency and no update has taken place. These inquires are affecting my credit score tremendously and I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: In 2015, I ordered workout items from XXXX. They offered to open a account. I accepted. XXXX later sold the account to XXXX. 
They sent a credit card from their bank. I refused the card and paid the account off to XXXX. The Bank continued to send statements and enrolled me in their VIP program for {$14.00} a month. I immediately called XXXX to cancel this card and program again. XXXX continued sending bills and adding extra charges. Their card was never activated. I refused to pay. Never signed for their card ; This seems to be a rip-off, and much like XXXX XXXX was convicted of, to open new accounts. In the mean time since I refused to pay these VIP charges, they turned this account over to a collection agency : XXXX XXXX. They continue to hassall my family with no documentation, which I have requested from XXXX, since that is where this account originated. They refused to help since they sold the account to XXXX. In the mean time they have reported to have this placed on our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SN SERVICING CORPORATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I am in the processing of selling my home and the mortgage company sent me a payoff that is XXXX over the principle balance in the monthly statements they have been sending me. I have requested for 2 months for an explanation of the reason for the dollar amount of the principle and to this date XXXX/XXXX/XXXX have not received an explanation. Back in XXXX XXXX I requested an explanation of the loan summary and never got a response. I am attaching the email I sent them asking questions that were never answered. 
To : SN Servicing Corp XXXX XXXX, XXXX Attention : XXXX XXXX Re : Loan XXXX, After we have reviewed our loan history you provided, we have questions. Please look over and send explanations of the following questions : 1 ) It is our understanding once the Bankruptcy was approved, all past due P & I and any late or legal fees were included in the amount for the Bankruptcy. But it does n't appear based on the loan history you provided, that this is correct. 
2 ) It is also our understanding that there should be a late fee applied only if our payment is 16 days or more past the due date ( the XXXX of the month ), since going into Bankruptcy. But it appears that there are late fees applied when it should not have been. 
3 ) The loan history you provided shows our first payment on XXXX/XXXX/XXXX was applied to the XXXX/XXXX/XXXX payment and this payment according to the Bankruptcy was suppose to be applied for the XXXX/XXXX/XXXX payment. All payments that are applied since Bankruptcy started are being applied to past due payments that are included in the Bankruptcy total you presented to the Trustee. 
4 ) The loan history you provided shows at the time of Bankruptcy we were only XXXX payments behind and not XXXX payments according to what you provided the Trustee. 
5 ) There are many transaction descriptions that shows " other fee assessments '' and we understand the late fee for the payment, but what are all the other fee assessments. There is not a column for the balance of these transactions. 
6 ) There are many transactions for legal and attorney fees. We would like a description of what these are for. 
7 ) There is a column marked " Unapplied Balance '', we would like to know what this column represents and what are the monies going into this column. 
8 ) We would like an explanation regarding the P & I adjustments when no payment is being made. For example on XXXX/XXXX/XXXX our principle balance went up XXXX, but no explanation as to why it increased. 
9 ) When we make a payment, we understand that any monies over and above the payment amount is suppose to be applied to interest first then principle. On the loan history you provided, this is not always the case. 
I sent this email on XXXX XXXX, XXXX, and to this date have not been answered. I have researched an read complaints about this company. The only answer I would like to get is an honest one and oh yeah, an answers to my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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: On XX/XX/XXXX, I disputed a credit inquiry with the company known as XXXX XXXX. On XX/XX/XXXX, XXXX XXXX sent me correspondence in writing informing me that the credit inquiries will be deleted based upon their reinvestigation. XXXX XXXX authorized Experian to delete the credit inquiries from my credit report. Experian wrote me a correspondence by mail also informing me of the inquiry deletion. However, as of XX/XX/XXXX, I logged into my Experian.com account and noticed that the credit inquires were not deleted from my credit file. I also have attached a copy of the letter that Experian maied me verifying that the inquiry from XXXX XXXX was deleted.

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 09/24/2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Dear sir, I deposit check to my checking account for XXXX usd in XXXX of XXXX. in Wells Fargo the amount deposited XXXX my account at-once and rest shows as pending pending in my account up to day XX/XX/XXXX. 
On day XXXX the total money deposit full in my account, on XX/XX/XXXX I spend XXXX XXXX from my deposit, on XX/XX/XXXX bank inform me that the check return and put out the total money which was deposit in my Checking account, I did have enough money in Checking account, on rely to Bank statement i did the transaction, ( since i did not money in my checking account the drown money from my saving account to complete the money which has been weird, As a result of this statement i lost XXXX XXXX i asked Wells Fargo why you pending and deposited to my account and why you give me access on XX/XX/XXXX. and pull it on XXXX, I suffer from this action and lost XXXX XXXX which i can not afford please help me I talk to wells Fargo they I must wait for 14 days to see if the check is passed or not this is true? and for why deposited my account they told me this bank regular situation and I should know the rule? befor i spend the money, but the only thing they done was return XXXX usd fee back to my account, Please help me thank you 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 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have contacted XXXX XXXX four times on four separate dates to fix my credit reporting. I wasnpersonally discharged of the mortgage following my bankruptcy in XXXX all of a sudden, XXXX XXXX began reporting  to my credit bureaus again this year, in XXXX and XXXX of XXXX. I am now being declined for a new mortgage because of their inability to properly handle their bankruptcy cases. the reporting needs to be removed immediately or I will file a suit, as I have already reached out to my lawyer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Pinnacle Credit Services , LLC has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. They still trying to pursue this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: Late fee

Complaint: I have been a Chase credit card holder since 2007. I use this particular credit card sparingly, pay my account in full every cycle, and do not carry a balance. In the midst of a difficult pregnancy, a move, and significant home renovations, this XXXX, I lost track of my calendar, and unfortunately paid my Chase credit card balance ( again in full ) less than 24 hours late ( my payment is due on the XXXX, and I paid online the morning of the XXXX when I realized what day it was XXXX. I called Chase immediately, and they were able to waive the late fee. Today, XXXX XXXX, I woke up and ( after another bout of morning sickness ) I realized the very same thing -- I had thought today was the XXXX, but it was the XXXX. I immediately went online and paid my statement in full : {$55.00}. I again immediately called Chase Credit Card Services to explain the situation, and they informed me that they would be charging me a {$25.00} late fee ( nearly 50 % of what my actual statement balance was XXXX and that they would be unable to waive it. I explained that I was a customer since 2007, who reliably paid my balance in full, which they acknowledged after reviewing my account ; and that I would choose to close my account and use another credit card if they refused to extend me the courtesy of waiving the late fee. Even after speaking with a supervisor, I was told that no one had the power to waive the fee ( which I can not believe is true ) and that I should go ahead and move forward with closing my account ( all over {$25.00}, which is silly from a XXXX dollar business 's end ). Ultimately, I was charged {$25.00} for the privilege of borrowing {$55.00} for less than 24 hours more than permitted. I think that this is an unreasonable business practice in light of the fact that the balance was only {$55.00} and that the payment was less than 24 hours late. Other credit card companies ( e.g., XXXX XXXX would waive this fee in light of the circumstances. I feel that I was treated unfairly and inflexibly given the circumstances and my history with the company. This is not how a company should treat its long-time customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/16/2016 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I respectfully request full investigation and based on the information I have provided I request the SOUTHWEST CREDIT SYSTEM be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. SOUTHWEST CREDIT SYSTEM needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/2018 I called Nelnet to ask them about what college did I attend to pay {$2000.00}. I needed the exact college. 
They told me, it was a account that was canceled by the government. 
But it is on my credit score, and it is hurting my credit score. 
Claiming that I owe them. 
I made a dispute on a dispute site, and they sent the information to a credit bureau. 
Please help me with this.

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