milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Paid mortgage with a check. XXXX would not accept my check because it was not the exact amount due. They did not tell me they would not accept the check. XXXX eventually mailed me back my check and marked me as a late XXXX I paid early with a check. I tried to pay more than my current mortgage payment to lower the debt. XXXX did not cash the check. XXXX mailed the check back a month later with a letter stating o can only mail check for exact amount due and Im not allowed to pay ahead. They took too long to tell me causing me to pay pay after due date. They should have cashed my check or called or sent check back earlier. So now I have a late payment showing XX/XX/2017. I should not have that. I tried to pay and pay ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Problems caused by my funds being low

Complaint: On Saturday, XXXX/XXXX/16, I deposited {$1100.00} in cash with an in-person teller at a Citizens Bank branch. I had reason to believe that these funds would be immediately available, but the funds did not post to the account until Monday, XXXX/XXXX/16. In the interim, I made transactions as I believed there were funds available. However, even on Monday morning, transactions were made that resulted in overdraft fees, even though the cash had been deposited the preceding Saturday. I accrued three overdraft fees, one of which was immediately waived by a Citizens Bank customer service rep. However, upon speaking to a Citizens Bank customer service supervisor, he claimed that the uncleared check deposit of {$480.00} resulted in these overdrafts. 
I performed the math more than once, and it did n't add up. Even with the transaction of {$200.00} made on Sunday evening to XXXX XXXX, I had reason to believe that I had funds available to clear these charges on Monday. The supervisor refused to waive these two additional fees of {$35.00} each. 
I expressed my disappointment and felt that it was unjust to charge these fees when I was under the impression that the funds were available. It is my belief that the cash funds of {$1100.00} deposited on Saturday, XXXX/XXXX/2016 should have been immediately available rather than cleared mid-day Monday. It has always been my impression that cash funds that are deposited in-person with a bank teller were immediately available to me to cover any transactions that follow. This is poor practice on the part of Citizens Bank, and I wish that they would be more understanding and diplomatic in regards to their overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME).
Issue: Problem with fraud alerts or security freezes

Complaint: I have been paying of this student loan for years now and it is finally at a low point. I had contacted a company called XXXX XXXX XXXX to help consolidate my debt and claims they were working through the Obama Administration. I paid this company a lump sum, and continue making low monthly payments for close to a year. This company had changed my address and phone number on my original XXXX account so they could n't contact me, so I never knew the loan was just sitting there hurting my credit. I am now trying to get involved in a class action lawsuit in hopes to get my money back. Currently I am looking to buy a home and this has hurt my credit extremely, therefore, it is only time that will help fix my credit score unless I can get this forgiven.

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 04/20/2017 about Bank account or service (Savings account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ).
Issue: Account opening, closing, or management

Complaint: I endured multiple issues  with USAA over the p ast year that, in my opinion, appear to demonstrate a pattern of very concerning behavior. In  XXXX , the bank sent an unauthorized payment from my checking account to a recipient I deleted   from my account. After months of awaiting resolution, USAA told me that they would not take any action. I decided at this point that I would remove all of my business from USAA and the representative told me " good luck ''.
I then worked to close my credit card with USAA. After being transferred a dozen times to various representatives, the    bank eventually agreed to close my credit card and confirmed that they would no longer use it for their internal automatic payments. Needless to say, they billed it anyway and then told me they could not close it. This took another series of steps to close the account. It still appears open on my login screen with an expiration date of   XX/2017 . USAA al so signed me up for all of their credit card marketing and told me that I had to call a specific person to opt out.   I attempted to close m y USAA Savings acc ount today. There is no online option, so I went to the chat service. Afte r 10  minutes, they told me I could only close by calling in. I called in and the first representative said aft er 10 mi nutes that she could not close the account and that I would need to call back. I asked to speak to someone else. They transferred me and another representative said she could not close my account, but might be able to tomorrow. I asked for a supervisor. She then told me that she could close my account tomorrow, if I called back. I asked her to just close it, and she told me she would not.     For additional historical issues with the bank, I had two instances where errors from USAA mortgage services caused financial loss to me that I had to work to recoup. The first, I caught during the mortgage process and spent hours reconciling. The second was caught by an audit and resulted in payment sent to me years later.
At this point, I can no longer assume positive intent with the USAA team. I feel abused and they are attempting to force me to keep accounts open with them as I close them. I would like to file a complaint accordingly. I seek to have my savings account closed, my credit card confirmed closed, and whatever your team deems appropriate regarding my other experiences. Thank you in advance for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2016 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Problems caused by my funds being low

Complaint: Years ago, I used to have an account with U.S. Bank. My account got closed out due to overdrafts. Since that account got closed out and at that time, I was moving out from my childhood home, I never received any information that my account was overdrawn. In the beginning of the year, XXXX, I was a college student. I received a letter in the mail, from a collection agency saying that because of those charges and some other fees, I owed U.S. Bank a lot. I honestly was n't aware that it was a huge amount to be owed. Because of that letter, with help from my dad, we paid off the amount and the next day, I had received a paid in full letter with {$0.00} balance from the collection agency. 
It has been about 4.5 years later, I have been harassed by many collectors & even getting supposed calls from my XXXX XXXX. As soon as they say, " U.S. Bank, '' I always tell that the account has been paid off and I always fax the original paperwork. 
Last year, I was contacted by another collection agency ( around XXXX XXXX ) and was told that the XXXX collection that I paid off was no longer active due to fraudulent activity and they never reported the account paid in full. Of course, I was frustrated and inquired about what to do. They said that because of that, my account was still open and in order for it to be closed, I would need to pay. So again, I paid and I also received a paid in full letter with {$0.00} balance. 
Because of so many calls of collectors, I had to change my phone number. No more calls for about 14 months. Yesterday, I got another call from some supposed attorney 's office located in XXXX saying that my account was still open. Of course, I become more frustrated. Now today, I decided to check them out before I contact them for the next step and I found out that they simply lied, they are another Collection agency posing as a local attorney. 
I have contacted a local attorney, legit of course. He recommended me that all of these are just collection agencies trying to steal my money. I am very frustrated, irritable and very annoyed customer.

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 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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 never borrowed or done any business with XXXX XXXX XXXX. They have reported a collection account which is revolving amount {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MT).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have a credit block on my credit file through all three main credit reporting bureaus. I am trying to apply for a new loan. My credit union is under contract to only use Experian. I recently submitted a complaint against them because I couldn't unlock my credit file. I kept at it persistently and was finally able to get an unlock on my credit file, on XX/XX/XXXX. I placed the lift on the credit block from XX/XX/XXXX to XX/XX/XXXX. My bank could not view my credit report all day Thursday or Friday. Friday I contacted Experian. After waiting on hold for over an hour, I finally spoke to someone. The unidentified male told me to just wait until Monday, he was sure it would lift by then. Unable to get any further information from him, I ended the call. Monday the credit union was still unable to get my credit report. I then called Experian and waited two hours on hold. I finally hung up no able to speak to anyone. I then tried again today, Tuesday to speak to someone and after waiting one and half hours on hold, I hung up again, unable to get anyone to answer the phone. My application had to be completed today due to a deadline. They were unable to complete my application because Experian refused to release my credit report. Though they did manage to charge my credit card to release the credit report, but failed to actually release my report. By the way, that's called fraud. To pay for a service and not receive the service.

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 10/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed XXXX accomts from XXXX stating, " I am no longer responsible for the XXXX accounts ''. TransUnion did not complete thourough investigation to know that the accounts were dismissed in XXXX. In addition, the company agreed to remove all entries related to XXXX XXXX accounts I will provide the court documented and letter from XXXX. Please look into this matter.

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 07/13/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I reported to Equifax that I am a victim of identity theft. I informed then that the information below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. These accounts appear as a result of identity theft : XXXX-student loan account number unknown XXXX-medical bill-XXXX XXXX-medical bill-XXXX The XXXX-utility bill account number unknown XXXX- account number unknown XXXX- account number unknown I also requested Equifax to block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act within 4 business days, and to send the required notifications to all furnishers of this information. Also, please place an Extended Credit Report Freeze on my report which will require creditors to contact me via phone number on my report. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are highlighted in yellow. 
A copy of my Identity Theft Report Proof of my identity-CA Driver 's license A copy of section 605B of the Fair Credit Reporting Act, which requires Equifax to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
Equifax informed me that they received my dispute and are waiting 30 days for the Companies to respond. Equifax did not acknowledge my request to BLOCK the information as required by section 605B of the Fair Credit Reporting Act within 4 business days

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Capital One processed one UNAUTHORIZED hard credit inquiry with XXXX on Tuesday, XXXX XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (RI).
Issue: Problems caused by my funds being low

Complaint: I work XXXX hours a week. After public transportation costs and taxes, I TAKE HOME half of what I make. When the bank removes the indefensible {$110.00} dollars in fees for the bank policy, infringement of less than {$1.00} ( or MAYBE just over that - I can not tell ) and after paying for winter heat - this is when my account hits XXXX cents which, is the total sum it resides at now. 
I will not be able to get to work as paying the train fee of {$21.00} a day - is now, impossible. 
I 'm sure banks have a renewed sense of delight over the new president whom is set to roll back any moral, ethical ( Dodd.Frank ) or even HUMAN sense of offering banking services to anyone except the ultra-rich/1 % or people to busy grinding out a life in this country to fight with banks each month or each fee. XXXX help us and CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Mortgage (Home equity loan or line of credit) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: We got XXXX XXXX tax forms from HFC with XXXX sets of numbers, I called HFC and they told me that their company has sold all their mortgages to a company called XXXX XXXX. so I explained that I should call this company they proceded to tell me that they have n't received any paperwork from HFC that we would have to wait at least 3 weeks or so I explained that we were doing our taxes because we were going XXXX and needed to get them done, he said that wasent their problem, I explained that I spoke to the IRS and they told me to send in our taxes and I explained that if we were audited that they would be responsible because this is what the IRS told me to tell them the gentleman from XXXX XXXX told me to get a lawyer.he was very nasty.When we got a mortgage loan in XXXX from HFC they took out XXXX for our loan payment everyweek through XXXX.they told us if we pd weekly that we could pay the loan off much quicker, then we purchased a new vehicle in XXXX XXXX and financed that loan through XXXX in which HFC ended buying them out then HFC bought out XXXX out.So that is how HFC ended up with our car loan.We did not know this until we went to sell the vehicle that HFC had purchased XXXX, but HFC did not keep the accounts separate they added the car loan as a remortgage, So that is why they still have us owing XXXX for a house mortgage.Then this past XXXX they added XXXX XXXX XXXX to the same loan for taxes, we always have paid our own taxes, we did n't have escrow.They ended up paying somebody elses taxes and added it to our loan.The family that they pthey said they paid the taxes paid their own taxes, they are n't even mortgaged through HFC.This has been going on for years.I am about ready to stop all paynents to this company.They have scammed people over and over, Thant is why they are probably going out of business.We are about ready to get an attorney.I asked for the document from XXXX to now I got the documents for every month except the month of XXXX XXXX those are the documents I asked for and have asked for for years and they have n't sent them.Everything I have faxed to them they said they never received them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Credit determination

Complaint: my credit line was reduced from XXXX to XXXX after a lump sum payment I recently made of XXXX my payment history has never been late since its inception.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Debt collection (Medical debt) with OPTIMUM OUTCOMES, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received two hospital bills in XXXX. The charges looked identical on each invoice. While I was in the process of understanding my bills I started paying the hospital. I was contacted by a collector saying that payment in the amount of {$470.00} must now be sent to them. It was XX/XX/XXXX ( our income was strained ). I contacted the hospital again on XX/XX/XXXX and spoke with a representative who told me that the problem was how the insurance company processed payment on the bill. They paid on the bill as an out-of-network instead of in-network. All of the doctors were in-network. I contacted the insurance company on the same day and spoke with a representative there and they gave me a confirmation code to give to the hospital. I contacted the hospital representative back with all the information provided by the insurance company including a new confirmation code. I was told by the hospital representative that the bill would be pulled from collection. I communicated all of this information in a letter to the collection agency. Now, 2 years has gone by without so much as a phone call, not even a letter until XX/XX/XXXX. This agency contacts me to tell me I have a debt in the amount of {$470.00}. My proof is in the names, dates, and confirmation code given to me for this bill. Can someone help me? I do not have a scanner but I 'm willing to make copies and send them if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Total Card, Inc. (MD).
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 submitted documents stating that XXXX accounts had fraudulently been opened in my name. I submitted rental lease agreements showing I did not live in the address. Tax documents. Identification documents. and a FTC affidavit for the identity theft. I contacted the company 2 weeks later and they showed no record. Resent documents on XX/XX/XXXX. called 2 weeks later. Was told by a representative that they would get a supervisor to pull my documents as the dispute had not been recorded or processed even though it had received documents. Called today X/XX/17 and was told that someone had attempted to keep the account open therefore I was being held liable for the account. This is an outrage. I did not open the account. I did not authorize the account. I did not use the account. I had never attempted to open the account and the first time I contacted someone was on XXXX. I am being held liable for an account that the identification documents do not even match!! My FTC affidavit and police report and address verification documents should be proof enough that this account IS NOT MINE. Next step is hiring an attorney. I have requested they cease collection activity. they did not. I requested in writing documentation pertaining to the person who opened the account and application details. They did not provide it to me. I has now been over 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Based on information and belief, this not my debt. I have requested over and over for verification of the alleged debt. They have never sent me the verification because they keep changing the Collection Agency. Now they continue to call and make threats to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (SD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On XX/XX/XXXX, Fed Loan Servicing posted a payment of {$10000.00} to my student loan account. The envelope containing this check had a second check in the amount of {$4200.00} in addition to a copy of my billing statement. The {$4200.00} check did not post to my account. On XX/XX/XXXX, I called customer service and talked to a supervisor. I  was told that my check was deposited in a holding account because they did not know where it was to be applied. I was told that the money would be applied to my account and would reflect on XX/XX/XXXX. It is now XX/XX/XXXX and the payment still has not posted to my account. This is a large sum that will pay off my loan. I do not know how to get them to apply the payment. A stop payment is not an option as they have already negotiated the check. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: was told they are not going to do a hard pull on m y credit score. it t hey did.. they lied ...

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