milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (AZ).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Reference is made to my last complaint against Amex :  XXXX .
I understand that a resolution was made ; however, that resolution was made on the premise that Amex was accurate and truthful. They were not. In its response, dated  XX/XX/XXXX , they advised that none of the payments referenced cleared the bank. That statement was untrue and they knew or should have known that it was untrue.
Further, they advised that I had not proven up that I did not demonstrate that the money was in the bank. Again, their statement was false and they knew that.
The referenced   XXXX  paymen ts cleared on  XX/XX/XXXX . I took a snapshot out of my  XXXX  payment to prove up that fact. Additionally, another {$400.00} cleared  XXXX  on  XX/XX/XXXX , and they should have known that.
I believe that the bureau 's decisions are final. I think that is predicated on the truthfulness of the response. Amex was not truthful. They specifically stated that they were not reinstating for the reason that the subject payments did n't clear ( they misinformed the bureau ). Similar with the fact that   XXXX    bank did not err.
I understand that the Bureau could rule in a fashion with which I might disagree ; however, Amex should not be allowed to make what appear to be, purposely, false statements and benefit from such untruths. Amex should be held to their own statements. In this case, it stated that the reason that they were not reinstating me was because the payments did n't clear, etc. Given the stated causal connection, and given that Amex misrepresented the facts, I think that they should be held to their own statements.
Amex did reference that they called for me on  XX/XX/XXXX . I do n't know whether or not that is a true statement ; however, I do know that I neither saw the call nor did I get a message. Perhaps they could have shown the interest to make, at least, a second call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/24/2018 about Checking or savings account (Savings account) with TD BANK US HOLDING COMPANY (NY).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I contact the United States Federal Communication Commission in regards to when I access my TD Bank Saving Account Online and try to close the web Brower it would not allow me to close the web page or my online Account is it legal to create a Website for customer to view the Bank Account and then have the website not to work according to United States Federal Regulations is this legal a customer should not be force to leave the account open on the website for any reason this leave chance for the account and website to hack it this should be illegal and I would like to have this website an all online banking review to secure security for the customers and ensure that we have secure way to view or account or is it legal even to view our account online and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulations

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent three ( 3 ) similar letters to all three credit bureaus, XXXX, XXXX and Transunion. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. On my letters it list the accounts. However, I the only thing I have received back was a letter stating verified which is unacceptable. Despite three written request, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. ''

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 12-06-2016 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Describe what happened so we can understand the issue ... 
Hello- We were the victims of XXXX servicing and subsequently were awarded money in a lawsuit that the CFPB brought against XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX. From there everything went downhill fast. We were told we had two miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account ( XXXX ) should be deleted from my Equifax credit report. XXXX changed names to XXXX. So the account on my credit report now shows up as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
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 submitted numerous disputes with XXXX, Transunion, and XXXX  with account : XXXX XXXX, XXXX XXXX. Disputes keep coming back saying that they have " VERIFIED '' account. XXXX XXXX States it's an installment account. Account Date opened : Balance {$260.00} ; XX/XX/XXXX, High Balance XXXX ; Not reported, / Original amount : Not Reported./ Recent Balance : Not Reported, / Comment. This item was updated from our processing of your dispute In XX/XX/XXXX Date of status XX/XX/XXXX. Now lets get to my Facts, I have received no proof that the account is in fact mine, no original consumer contract with my signature on it. I have received no signed paperwork by me showing I ever had an account with the original company. I have googled the original company and it says it's an internet company, I have never had an account with this company Fact, XXXX, Transunion, XXXX, and XXXX XXXX Have broken the LAW. Fact, none of the bureaus have verified this account and Failed to Provide Proof after many disputed requesting to show proof as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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: Hi I have been trying to get this account to update on my credit since XXXX 2017, this account is keeping my score from updating, and I am trying to purchase a home for my family of XXXX i paid this joint account XXXX XXXX, 2017 in the amount of {$850.00} as a settled amount to close the account with the company. the full balance on the account was {$1800.00}. They updated the account by subtracting the amount but not closing the account and marking it as settled and closed. All three of the major crediting reporting agency are giving me the same problem, XXXX, XXXX, and Experian. XXXX  updated it on my wife credit report. All I want to do is repair my credit and buy a home for my family. I have attached a letter that the branch manager gave me as well as my receipt for the transaction.

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 08/22/2017 about Debt collection (I do not know) with Alliance Data Card Services (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: An agency assuming the name of PayPal is calling and emailing to collect a debt I never made. The calls are multiple times daily from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX/XXXX/2013, Bank of America charged {$270.00} for cleaning maintenance. Bank of America did not perform any cleaning maintenance on my home. Bank of America notified me that since the cleaning maintenance never happened, I would be credited the {$270.00} in my mortgage. I was never credited the {$270.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Problems caused by my funds being low

Complaint: On the morning of Friday XXXX XXXX, 2016, as my morning routine I check my bank accounts that I currently have with Bank of America, which were joint accounts with my fianc. I noticed that {$1000.00} in our joint checking account was gone. The XXXX checks which I paid to our insurance bounced, and the balance was negative plus XXXX of {$35.00} returned item fee. The amount {$1000.00} went to legal order, XXXX. I then look at our joint saving account, and the amount of {$4600.00} was gone to legal order, XXXX. In addition, there was a fee of {$120.00} charged to the account. I immediately contacted Bank of America customer service at XXXX and the associate give me a telephone number which started with XXXX. I dial the number. Turned out it was Illinois XXXX. My fianc is currently paying for child support. He is compliance with the court order ; however, prior to court order, he did volunteer pay the child support. When XXXX parties agreed with the child support, each month he did pay extra to make up for the different amount between his calculation and the state calculation. So, I told my fianc the story and asked him to call the XXXX phone number that the bank gave me. He had a conversation with XXXX who work as case officer with the XXXX Accord to XXXX, the Illinois XXXX sent the document to bank to confirm if this is joint account in the XXXX of XXXX, and the bank received on XXXX XXXX. However, Bank of America did not response to their request instead Bank of America freezed my assets. After the guidance from XXXX, we called Bank of America customer service number. They gave us XXXX phone number which was legal department. The associate said they received something on the XXXX, and then she said the bank did n't received anything. We asked them to responded to request from the XXXX request. The associate said that tell them to send the document again. We then gathered three months of bank statements which proved that this is joint account and fax to XXXX. They received and put under review. However, they resent another request to the bank. Today, we called XXXX to follow up on our case, and they still have not received any response from Bank of America. We called Bank of America XXXX XXXX XXXX, XXXX was transferred my fianc back to general service line after 30 minutes of waiting. According to XXXX they just want to confirm if this is joint account and the fund should be released back to me. They mentioned that Bank of America has an history of notoriously not responded very quickly. Please keep in mind while the bank received the document, we have n't received any noticed from the State of Illinois XXXX While we were on the phone with the associate at XXXX on Friday, we requested a copy of the lien. So we can proof that we are not owed as much as they think.

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 11-04-2016 about Consumer Loan (Installment loan) with JPMORGAN CHASE & CO. (TN).
Issue: Managing the loan or lease

Complaint: I took out a {$15000.00} interest-free ( until XXXX of XXXX ) loan from my Chase Slate account for home improvements, which was reflected on my XXXX XXXX, XXXX statement. There was a {$300.00} balance transfer fee, which I paid, along with my purchases of {$90.00} and also a payment of {$1100.00} toward the {$15000.00} loan. Then on my XXXX XXXX, XXXX statement, I was charged {$.00} interest on purchases. When I called to ask, I was told that it did n't matter how much I paid each month, even if it was way over the minimum, I 'd be charged interest ( 11.49 % ) on my purchases. I was told this was a " revolving account '' and that there is n't anything I can do to keep from being charged interest on the purchases, unless I pay the entire balance off. I have just paid again, and I am going to call to see if they will allow me to apply an amount of my choosing towards my purchases during the last month. Either way, I am not going to use this credit card for purchases again. Beware of these offers of " zero percent interest ''! They are misleading.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: TransUnion is making its customers listen to XXXX minutes of advertisements for paid credit-monitoring services before TransUnion will place a fraud alert on the customer 's file. The way TransUnion describes these paid services is unfair and abusive because consumers have to listen to the advertisement and decline it XXXX before TransUnion will complete the request to place a fraud alert on file. The way the advertisement is presented and the timing of the presentation make it seem like a required part of the process of placing a fraud alert on file. 

Background is as follows. On XXXX/XXXX/15 I called TransUnion to place a fraud alert on my credit file. ( I had just learned my social security number had been stolen and someone was using it. ) I went through TransUnion 's prompts on initiating the fraud alert. 

Then, before TransUnion 's automated system said the fraud alert was placed, it played an advertisement for paid credit-monitoring services provided by TransUnion. This ad was about XXXX seconds long and followed by a choice to press " XXXX '' and order the service or press " XXXX '' and decline the service. I pressed " XXXX. '' TransUnion immediately played a XXXX advertisement for the same service, this time XXXX seconds in length and using much more alarming language, again encouraging me to pay for the service. Again I was presented with the choice to press " XXXX '' to order the service or " XXXX '' decline it. I pressed " XXXX. " Only after I declined the service XXXX did TransUnion 's automated system state that my request to place a fraud alert on file was successful. 

TransUnion should not be able to require victims of identity theft to listen to TransUnion 's paid advertisements as the price for placing a fraud alert on their own files. But that is exactly what TransUnion is doing right now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (I do not know) with Premier Recovery Group (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Getting robo calls from this company stating my file has been sent to a litigation specialist for final review and further recommendation since I have not responded to them. I have no idea who they are. Never received proper notification via normal FDCPA requirements. Does n't state name of the company or any other info except to call if I want to include a personal statement on this file before further action is made.

Company response to consumer: Closed
Consumer complaint received 10-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never received a letter reflecting that i owed anything to this company. I settled and paid 50 % to get it off my credit report. But they said they would not delete the item.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 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: Their investigation did not fix an error on your report

Complaint: I filed a dispute with Equifax for an account that I do n't believe to be mine. The XXXX dispute was submitted on XX/XX/XXXX claiming fraud. The dispute was resolved within days saying that everything was verified. I submitted a second dispute also stating fraud on XX/XX/XXXX. I requested verification and a signature from them. This dispute was also completed in a few days and i received the same cookie cutter response from the first one. I submitted my third dispute on XX/XX/XXXX telling them once again that i needed the signature from this collection agency as proof and that this was fraud. On XX/XX/XXXX they sent me the results. It was the same message from the first two disputes. I had called them to try to explain what was going on and requested since the collection agency was reporting to the credit bureau while this item was being disputed and they failed to provide me the correct information, that i wanted this removed immediately. They are still reporting this. I am more than willing to bring legal action against both the collection agency and the reporting agency if this is n't resolved. I need assistance with this please.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Prepaid card (General purpose card) with NETSPEND CORPORATION (NC).
Issue: Adding money

Complaint: On XX/XX/XXXX I bought a prepaid debit card through NetSpend from my local grocery store ( XXXX ). I purchased the card for {$4.00}, and put {$130.00} on the card to pay my car insurance from my computer. Once I got home I attempted to activate it. I put in the necessary information ( SSN, birthdate, full name, etc, ). Once I completed this process and put the inactive card number in, I received and error message and was instructed to call the company. I did not see anything strange with this as I have had my identity stolen before. I called and attempted to complete the process over the phone and was directed immediately after entering my number to a customer service agent ( which I use this term very loosely as you will soon realize ) and was first informed about a previous charge on my card from five years ago that resulted in a negative balance of {$XXXX}. I was then told that until I cleared this debt, I could not activate my card. My only other options were to of course let them take the funds " owed '', or to get a refund on my purchase and wait 20 days for it to come in the mail. In addition to that I would be charged a fee for them to do this. In retrospect I did not react well to this news. I became quite the person to deal with and I ended up hanging up the phone because I was so frustrated. After I had calmed down just a bit, I called them to try to find out about their policies and where it stated that they were allowed to do this. I still have not gotten the answer to that. I was then told by a representative, that I would need to submit my ID, SSN, and proof of residency. I have done this countless times from this past Friday until now, but they keep saying different things like I did not receive a reference number, my copies were incomplete. Today I have scanned the documents in versus taking a photo from my phone, so hopefully this annoyance will cease. As for them taking my money, I have researched and researched. From what I have gathered, they can not legally do this, especially since they made no attempts to collect said debt from XX/XX/XXXX. Their response is that they treat me like any bank would when there is a balanced owed. My response was that a bank would attempt to collect said debt, through email, snail mail, or phone call. It is even more frustrating since I have told them they may collect said debt, and they still refuse to activate my card. I have repeatedly told them that I would no longer be bothered with their company or their services once this has been done. Why can I not have access to my own funds? Why am I punished for a debt I have no knowledge of from XXXX years ago? Please let me know if I have missed some legality.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/26/2017 about Debt collection (Payday loan debt) with Webcollex, LLC (AR).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Received multiple letters/phone calls from Webcollex LLC dba CKS Financial, trying to attempt a debt. Requested a notarized debt validation letter between self and Webcollex LLC dba CKS Financial.

Company response to consumer: Closed with explanation