milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/31/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have had a previous complaint concerning Bank  of American a nd an overdraft fee.   While they claim to have fully resolved this issue, they have not and in fact it has gotten worse.   I have been charged  XXXX  additional {$35.00} overdraft fees.   The issue is that Bank of America does not fully disclose their overdraft fee policy and how they determine when and why they charge. They do not provide it to you in writing when opening an account ( I reviewed the paper work provided to me when I opened my account and all notices since ) in writing or on their website. Furthermore, their full policy is not easily accessible or found.   Bank of America does not even follow the policy they list on their site.   In other words, there is a lack of transparency and full disclosure. When I request their full policy to be provided to me, all representatives refuse to provide it stating " it goes against their internal policy. '' As a customer, to say providing a policy regarding how their account is charges astronomical fees goes against another policy makes zero sense.   Bank of America has had to settle multiple lawsuits in previous years and as a customer, the issues persist.

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 10-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Trans Union letters have been sent wrong information and on XXXX accounts wrong lastname some one used the credit cards other than my self I ask Trans Union to sent meproduce document proves my name none the amount of the accounts are worgI have sent them letters its been more than year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (Medical debt) with Accounts Research, Inc. (TN).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: XXXX  the  Manager a t Accou nts Research, INC. se nt a letter to my job and called my work phone. I even told him I had a patient right in front of me and he continue to threaten me ... .. " Do you want me to serve you papers '' ; if you would respond to the letter I would not have contacted your job!       XX/XX/XXXX   Main campus in  XXXX   XXXX    XX/XX/XXXX    XXXX  called directly to m y job    XXXX   XXXX   XXXX   in  XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed the information you listed on my report : XXXX XXXX XXXX AZ XXXX # XXXX : Unverified Account XXXX # XXXX : Unverified Account XXXX # XXXX : Unverified Account XXXX # XXXX : Unverified Account XXXX XXXX XXXX  Account # XXXX : Unverified Account XXXX Account # XXXX : Unverified Account XXXX # XXXX : Unverified Account XXXX # XXXX : Unverified Account XXXX XXXX # XXXX : Unverified Account XXXX XXXX  XXXX # XXXX : Unverified Account XXXX XXXX XXXX XXXX # XXXX : Unverified Account XXXX XXXX XXXX # XXXX : I have never paid late these account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Account #  XXXX  and  XXXX  I called t oday     XXXX 17   at  XXXX   XXXX  ad spoke with  XXXX   XXXX  about  XXXX  accounts that they have and get validation the debt.  XXXX  stated they have no physical documentation in their possession to provide me stating that I own this debt and am responsible for this debt. She asked me to call the original creditor which I did before calling CCS. They stated that they no longer own the debt and all the information was transferred to CCS.     CCS is violating my rights under the FCRA by their unwillingness to furnish information validating the debt that they are trying to collect on. I do intend on filing a lawsuit for violation of my rights if this information ca n't be validated to me in writing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2015 about Credit card () with CITIBANK, N.A. (MI).
Issue: Customer service / Customer relations

Complaint: HAVE SEARS/CITI MASTERCARD. JUST SPENT AN HOUR + TRYING TO ACCESS CARD TO MAKE PAYMENT AFTER EMAIL OF AMOUNT DUE. ENTERED AND RE-ENTERED ALL INFO ASKED BUT ACCESS NOT ALLOWED AS ACOUNT NOT RECOGNIZED. THEN BY PHONE PAID ACCOUNT AND WAS ASSISTED IN TRYING TO ACCESS ACCOUNT. SPENT ANOTHER HOUR DOING THAT AND TOLD TO TRY AGAIN IN 2 HOURS OR SO. I LIKE SEARS BUT FIND IMPOSSIBLE TO USE INTERNET TO DO BUSINESS WITH SEARS VIA MC SEARS/CITI CREDIT CARD. AT AGE XXXX, TIME IS MOST PRECIOUS ASSET. THANKS FOR YOUR ASSISTANCE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Portfolio Recovery has made many attempts to collect a debt originally granted from XXXX XXXX Bank. They are reporting this collection to my XXXX credit bureau reports. After many attempts on heir part I finally agreed to pay {$25.00} a month and they are direct drafting payments from my bank account. However, CFPB ADMINISTRATIVE PROCEEDINGFile No. XXXX has now come to my attention and I believe that I qualify for protection/relief under this action.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Consumer Loan (Vehicle loan) with Red Rock Financial of Cedar City (UT).
Issue: Managing the loan or lease

Complaint: I have a loan through Red Rock Financial in XXXX, Utah which two of my cars are on. I have made every payment on-time since the beginning of the loan but it was reported as being 30 days late in XX/XX/XXXX by Red Rock. I contacted XXXX at Red Rock in XX/XX/XXXX when I discovered the mistake on my XXXX credit report and he informed me that he would fix the problem and that I should also file a dispute to the credit bureau on my end. He also told me the reason it happened is because the person who was supposed to enter payments for several other individuals with loans through Red Rock as well, did n't do it and has since left the company. I filed my dispute on XX/XX/XXXX and XXXX told me he would submit the necessary paperwork proving my payments have all been on time. XXXX emailed me with an update to the dispute and informed me that the payment was marked as 30 days late for XX/XX/XXXX instead of XX/XX/XXXX. I immediately called Red Rock Financial on XX/XX/XXXX to ask why that happened and was informed that XXXX did n't actually do anything and that he, too, has left the company. XXXX, from Red Rock, said he is the new manager and has spoken to XXXX about the situation. XXXX also told me he would email me the contact information for the person handling the case at XXXX immediately after our phone call, which he did not do. I then called Red Rock today ( XX/XX/XXXX ) at XXXX to ask him about the email and was told he is in a meeting. I called back at XXXX and was told he is still in a meeting. I have lost all patience with Red Rock Financial and nothing is being done to fix the mistake that was entirely their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have just become aware on X/XX/2017 that my personal information may have been impacted by the issues with Equifax. At this point, I do not know if my personal information has been compromised. However, Equifax 's own site says that it could have been. I want to be proactive with this situation and prevent anyone from using my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing disputes

Complaint: This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and XXXX until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!

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 03/30/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I have been trying to get a freeze on my report lifted from Equifax for 3 weeks, I had no problem getting the lifted with the other XXXX agencies. Equifax has refused to let me lift it online where I placed the freeze, they have given me the run around when I call, telling me to call back in 1 hr because they ca n't help me because they are doing a system update, when I call back later they tell me the same thing - they are having a system update and can not help me. I am so frustrated I want to scream. They have also refused to give me my free annual credit report. They have caused me significant distress and problems as I have been unable to obtain utility services for my XXXX residence because of their refusal to lift the freeze. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with FIFTH THIRD FINANCIAL CORPORATION (KY).
Issue: Wrong amount charged or received

Complaint: On XXXX XXXX XXXX I sent {$250.00} to fifth third XXXX card by mistake via the Internet from my credit union. I called them on the XXXX. They said we have not received the money yet I said okay call back next day they said yep takes 10 business days to get it back I call back on the 10th business day and now they say takes 5 to 7 days to get money in the mail that 's funny it only took 30 seconds for my internet to transfer the money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2017 about Debt collection (Auto debt) with BB&T CORPORATION (TX).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: XXXX XXXX XXXX contacted me continuously asking for money while i was in bankruptcy. Once my case was dismissed they had men contacting me threathing to murder me of i did n't return my car. I was calked a XXXX and told i woul be murdered u am still afraid.

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 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On Friday XX/XX/XXXX I had called XXXX requested a credit limit increase and what are the factors looked on when giving a credit limit increased. Instead of receiving a increase the agent on the line decrease my credit limit, she tried to fix it but she couldnt so she transferred me to her supervisor who advised me that I would hear from a credit speacailist on Monday XX/XX/XXXX or Tuesday XX/XX/XXXXof the following week. I had waited until Thursday XX/XX/XXXX and I havent received a call from the credit specialist nor anyone from CapitalOne, so I called to find out whats going on I was told by another agent that there was no case for my issue and she put me on hold where the called got disconnected. I re-called XXXX once more and ask to speak to a supervisor who advise me that he will start a new case for my account which I was now frustrated because all the misleading Information that I have been receiving I ask for my account to be closed. Now I have checked my credit report and its sating that I have requested a decrease on my account, account is closed and a negative remark from XXXX. I called XXXX today XX/XX/XXXX and the agent is letting me know the reason for my account being report like that to the credit bureaus is because I requested that way. Which just display poor customer service customers who uses there 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 10-07-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: When are you guys ever going to do anything to HSBC /Benefical for their mortgage loan practices. 

You can XXXX and read for days all the issues, Not crediting acct, High interest XXXX 12.0 % ), NO modifications, closing offices and not renewing loans, excessive fees. 

I know Im not the first one complaining to you guys. 

PLEASE HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: Wells Fargo bank got A direct deposit from XXXX of {$730.00} of XXXX XXXX XXXX XXXX and the bank closed her account and refused to give XXXX XXXX her Money at XXXX of there banks on Thursday XXXX XXXX 2015 as far as we know they still have the Money. XXXX XXXX XXXX XXXX, XXXX -- XXXX -- XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I recently pulled a copy of my credit report and to my surprise I noticed that you are reporting inaccurate data- such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULITPLE MONTHS IN A TOW WHEN AN ACCOUNT CAN OHNLU FO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECITON EACH MONTHYOU HAVE REPORTED THESE ACCOUNT INACCURATLEU LONG ENOUGHREAGING OF AN ACCOUNT IS A MISREPRESENTATION OF MY CREDIT HISTORY.. SO DELETE THESE ACCOUNTS NOW!!!!!! PLEASE!!!!!

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 02-04-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX XXXX, 2015, I was served papers from Portfolio Recovery Associates , LLC assignee of XXXX XXXX. RE : XXXX XXXX XXXX. Please see previous complaints. They were filing a claim that I owed them funds in the amount {$3600.00}. My court date was XXXX/XXXX/2015. I pulled transactions page from my previous complaints that was provided by XXXX XXXX XXXX. This showed exact charges that were given to me by the original name of company. I also, counter sued this company stating that I over paid on this account. I showed up to court. However, Portfolio Recovery Associates , LLC assignee of XXXX XXXX ( name changed from XXXX XXXX XXXX ) Their claim was dismissed. However, they now have a judgment to pay me the over payment of {$2200.00}. I am filing this complaint because I am unable to contact this company by phone or by mail to get them to pay money that I overpaid and was reviewed by a judge. The numbers provided do not send me to any person that can help me in this manner. 
I would also like to include copies of this judgment against this company in hopes that I might retain over payment sum of XXXX. 

Thank You, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Debt collection (Medical) with AllianceOne Recievables Management (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: AllianceOne lists XXXX bills in collection for XXXX debt greatly impacting my credit score. When contacted to dispute the accuracy, they refused to remove the duplicate items. They list almost {$1000.00} in XXXX separate medical debts from XX/XX/2011, when there was only XXXX debt for XXXX the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Mortgage (FHA mortgage) with loanDepot.com, LLC (IL).
Issue: Credit decision / Underwriting

Complaint: I applied for a home refinance loan at loandepot and after 5 months of having received conditional approvals, good appraisals and meeting FHA requirements my application has been denied because of the underwriters demand for a structural engineer report for my garage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This compnay started to contact me a couple years back saying i owe on multiple debts that I do not recall. I have sent them ans the credit agencys mutiple validation letters requestion proff these are my accounts. They havent showed me proof at all. they keep sendinf summarys of these accounts. they havent showed my the contracts for thr origanal debt or any significant proof i am assocaited with these 3 collections. I will like these accounts to removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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 disputed on my report several times an account with XXXX XXXX account # XXXX. i have never been late on this account, but your company has said that you verified the account how ever the other breaus have verified and determined that iwas never late on account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2018 about Debt collection (I do not know) with Action Collection Service (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT XXXX XXXX format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > ACTION COLLECTION SVC Not Proven Compliant Account -- > XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a modification with Nationstar Mortgage. Nationstar has modified my mortgage but while on the modification has reported my mortgage being late to the credit company which has caused my credit score to drop to a XXXX. Nationstar has also called me at least XXXX times asking when I was going to make my XX/XX/XXXX payment when my mortgage statement and my poc said no mortgage payment was due until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (VA).
Issue: Adding money

Complaint: I have direct deposit, and my money is n't showing up on my card. It 's going on a week since my job has deposit my money into my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/21/2016 about Credit card () with WELLS FARGO & COMPANY (NJ).
Issue: Billing disputes

Complaint: Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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