milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint: On X/XX/17 I contacted the CEO of USAA Bank, XXXX XXXX, via email in regards to an account reporting on XXXX XXXX. Two days later I received a phone call from someone in his office in regards to the email in which we discussed what I could do to clear the issue as well as have the information updated on my reports with XXXX XXXX. I was notified that upon receipt and deposit of the overdrafts an immediate notification and update of remarks would be done with XXXX XXXX XXXX. On XXXX another email was sent after I contacted USAA checking account department to see if my payments were received to find out not only were they received but they were also deposited and cleared on XXXX and no notification was sent or was on record to be sent to me for my records so it was just good that I called. So upon the rep sending me receipts I took it upon myself to submit them to XXXX XXXX XXXX who in turn said they would follow up with USAA because nothing was still updated. I am well aware that the record remains for 5 years but USAA stated the remarks could be updated but have yet to do so, I am stating this so that it is known that I am aware of this part. Another email was sent on XXXX, as well as today XXXX still with no response. The reps for USAA are unable to assist any further besides to tell me it will be updated. XXXX XXXX can only tell me they have to wait on USAA. I 've spoken to others that are or have gone through this as well and they are experiencing the same issues of no response. <P/><P/>When I spoke to XXXX XXXX XXXX multiple times on the XXXX the first rep I spoke to stated that the receipts would be uploaded and updated and that in regards to my frozen accounts with my current bank that I give them a call to see if they would accept a fax showing the records were taken care of or if they required removal. I hung up with her and called my bank and they stated a fax would be fine. So I called XXXX XXXX back and of course getting a new rep that said it did not work that way they would update but had to reinvestigate with USAA to make sure the payments were indeed correct and how to update. I called USAA and they told me the updates would go through immediately. So as you can see everyone was giving me the run around and different responses, and I have no access to my money because of the situation. I just want answers and an update to the remarks as I was told would happen.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with IBERIABANK (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: IBERIABANK Accountnumber XXXX .... failed to notify me about reporting derogatory info.In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XXXX, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ) .Plus broke commercial law under UCC 9.501 that all  notices were timely and properly given bydated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, IBERIABANK " failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and  the state of TX allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) IBERIABANK failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve IBERIABANK is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX XXXX XXXX XXXX XXXX ( TXXXX XXXX XXXX XXXX. ) citing XXXX XXXX XXXX XXXX XXXX XXXX ( TXXXX XXXX XXXX XXXX XXXX XXXX. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Consumer Loan (Installment loan) with Cottonwood Financial Ltd. (TX).
Issue: Problems when you are unable to pay

Complaint: I received a loan from the cash store for a total of {$2000.00} and was told that the payments will be deducted from my checking account if I was not able to pay. I have been charged an overdraft fee because the funds were not available and even though I notified them in advance the my told me that there was nothing that could do besides refinancing my loan and making me start all over for a payment that was only about {$100.00} dollars cheaper but still almost unaffordable. My payments are currently {$500.00} and I can not afford them I am being charged upwards of 400 % maybe even more.

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 03-12-2016 about Debt collection (Credit card) with Radius Global Solutions LLC (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Central Credit Services LLC who works for XXXX XXXX constantly called me at home and at work many times until I made an agreement them to makeup payments on my account because it had fallen past due because of financial hardship. We made an agreement XX/XX/2015 for XXXX. They told me the account would not go further pat due and I would not incur more fees. Which was a lie I was charged XXXX dollar late fees every month even during the agreement and I with the combination of interest and late fees XXXX percent of my payment is going to XXXX XXXX when I complained they told me I had to make a make up payments of XXXX dollars to avoid the fee which is incorrect past due amount is XXXX according to XXXX XXXX and my credit report is reporting past due of XXXX. Further more in XXXX 2015 my account went further past due on my credit report even though I was making payments since XXXX of 2015. I sent the company 2 extra payments of XXXX from a shared account I have with my wife to make up for payments. I asked them just to debit those XXXX amount on this account but they continued to debit this account which I did not authorize which caused the account to incur NSF fee. This company has taken advantage of me trying to repair my credit has lied about not incurring fees has lied about my account not being reported deeper into past due status on my credit report and has taken money from my account with out my authorization.I have done everything they had asked me but had lied about the outcome.

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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: When trying to submit a dispute with Equifax, it asks me questions to confirm my identity, and the questions are n't about me.  Main one that raised a flag was " Our records show you have a Student Loan, what credit union is tha t through? ", and I 've never had a Student Loan, there 's a couple other questions that I 've been asked that I ca n't recall at the moment. This is resulting in my Equifax not changing, and being stuck at a low credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Debt collection (Credit card debt) with ARS National Services, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter fro m ARS National Services Inc da ted  XXXX   XXXX 2017 stating that an account (  XXXX   XXXX   XXXX  ) has been placed with their organization for collections with a balance of {$1000.00}. On  XXXX   XXXX ,    2017  I sen t ARS National Services Inc  a letter that they received on  XXXX   XXXX ,    2017 to provide me with proof that this debt belongs to me. ARS National Services Inc  sent a letter dated  XXXX   XXXX ,    2017  stating the date account was opened, the last charge made on account, the last payment made on account and  two  billing statements from  XXXX   XXXX .  ARS National Services Inc  has failed to provide me with a contract with my signature stating I agreed to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Sent a letter to the collection agency asking for VALIDATION of debt not VERFIFY. Ask if the debt could not be VALIDATED within 30 days to please remove from all 3 credit bureau reports. Agency responded to my request by sending a letter titled VERIFICATION OF THE DEBT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Mortgage (Other mortgage) with BB&T CORPORATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: HelloMy name is XXXX XXXX XXXX XXXX. I have submitted documentation to the BB @ T escrow dept XXXX to adjust my taxes and they still continue to refused to do so. 

The first time they wanted me to write a detail letter of why I was disable. ( this violate the health care privacy act ). When I told them I was n't going to give them this information they said they could not guarantee my form being processed. 
For the second time today I spoke with XXXX XXXX and I explained to her again that I was XXXX Total and Permanent and that I needed my taxes adjusted. SHE REFUSED TO DO SO.. 
BB @ T keeps asking for the same documentation that I have already sent them and then they say that it is n't sufficient. 
I spoke with the XXXX County Tax Collector Office and I was told that the document they provided me is what needed to make such adjustment. 
I was also told that the XXXX County Tax Collector 's Office that Banks in general were giving disable VETS a hard time in accepting this form that shows their tax information. 
I think someone should look at this issue. No Veterans should have to endure this kind of abuse from any institution. 

This is n't just for me but for every Veteran up there that has to deal with abuse and non sense daily. 

Included is the documentation that has been fax to them XXXX since XXXX with no positive result. 

Ps This directly violates Federal Law found in the Federal Registry Of Regulation. 

Please get the word out. I know I am not the only dealing with this abuse. 

Thank YouXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On  XXXX / XXXX / XXXX  I was made aware from   XXXX   XXXX   XXXX   that I had a loss history report on my consumer report, he emailed me a copy. The company that reported it was  XXXX   XXXX ,  XXXX  I called and spoke to  XXXX , she said there was nothing on my repot in regards to this matter. Then I was in the process of buying a used car, when I received several notices from  XXXX ,  XXXX   XXXX ,  XXXX , that I would be denied insurance because  Trans Union  has a vehicle loss from  XXXX / XXXX / XXXX  that states I owned a  XXXX   XXXX   XXXX  & was in a n accident & policy holder was unknown, & the other driver is unknown. It says that I was paid {$3700.0 0}. I do n't know where this information came from because I have not owned a car for over 20 years. I was not driving or in any car that was in an accident. I also contacted  Trans Union they s ent me my credit report not my consumer report, also said there was no history of that. It has to be on my report because all od the denial notices where after notifying them.

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 12/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Account # XXXX - XXXX XXXX XXXX Transunion is reporting my XXXX XXXX XXXX account as 30 days late for XXXX & XXXX of 2016. I have contacted XXXX XXXX XXXX and they confirmed that the account was NOT 30 days late XXXX & XXXX of 2016. They advised it was the credit bureau reporting it in this manner. This delinquency needs to be removed. Transunion refuses to correct the issue.

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 12-05-2017 about Student loan (Federal student loan servicing) with ConServe (KY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: So in 2009 i went to school i was informed i was takeing out one loan and it was a promotional time so it would be abput 8,000 now i am being told it is 3 loans and like 15,000 i called to find out what i can do because i was told a different story they said theres noting they can do but give me an option to pay {$5.00} a month to pay it off

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX XXXX been sending a bill, since XXXX, 2016 in which they have put my name, on another resident 's account. I have never resided or received care from this facility. I was operating strictly as resident 's, POA, with no financial responsibility. All statements were signed resident XXXX XXXX by POA for this account. I have requested XXXX XXXX to remove my name from this account. Resident passed on XXXX/XXXX/16 and I no longer have authority to operate as her POA. 

On XXXX/XXXX/16 I received a letter from Transworld System, dated XXXX/XXXX/16 stating that they were attempting to collect a debt for XXXX XXXX account XXXX. I immediately responded by phone and letter informing them that " I dispute having any debt of any kind with XXXX XXXX XXXX. Please send any verification of debt, including an itemized statement of all actual charges, dates and services billed, the charge and billed amount as well as signature of financial responsibility or consent for services received at XXXX XXXX. Failure to provide said information means that you need to immediately remove my name from this invalid debt. '' On XXXX/XXXX/16 Transworld responded, stating that they had contacted " the creditor, XXXX XXXX XXXX XXXX requesting for validation of and would forward any materials received as a result of request. '' On XXXX/XXXX/16 Transworld Systems sent another statement claiming I " still have time to exercise my rights '' and " they still show an unpaid account '' in the amount for {$1800.00}. 

I called Transworld on XXXX/XXXX/16, spoke with XXXX XXXX in collection dept. I Informed her that I continue to dispute having any debt of any kind with XXXX XXXX XXXX and Transworld failed to send any documentation verifying that I have a debt with the above creditor, as stated in their letter on XXXX/XXXX/16. XXXX acknowledged the debt was for resident and that she is deceased. She said that the account was closed as canceled on XXXX/XXXX/16, but was reopened on XXXX/XXXX/16 with no explanation. She agreed to look into the matter. 

I have followed the phone call with letters, dated XXXX/XXXX/16 to : Transworld Systems Inc.,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, restating that I dispute said debt, have never received services from XXXX XXXX and have not signed any financial agreement for any services from them or for XXXX XXXX. Please remove my name from the account. 

Please look into this matter and have XXXX XXXX XXXX XXXX and Transworld Systems Inc. to immediately remove my name from this invalid debt and close out this account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with FIFTH THIRD FINANCIAL CORPORATION (TN).
Issue: Trouble during payment process

Complaint: I received a promotional offer from Fifth Third Bank in regards to my HELOC. I was to receive 1.99 % if I used {$5000.00} or more to their line of credit. I had a balance I was paying 4 % on and decided to move {$8900.00} to 5/3. The online banking portal showed rate change PROMO APR 1.99 % ( 15 times on my screen ) so I thought good deal, that was easy. I got my statement and it showed my rate at 5.24 % so I called 5/3. After some run around, they told me I was n't eligible for the rate even though my screen showed I got it. I would n't have moved the money or would have moved it back sooner if the bank alerted me that I did n't qualify. After complaining to supervisors, they changed the rate to 1.99 % but will not make it retroactive to the date of the transaction. Meanwhile, I paid off the LOC because I had the money but wanted to use someone else 's money short term. The difference is about {$65.00} in interest, and that might not be a lot, however, if they are doing this to me, I 'm sure the bank is ripping off a lot more people. This practice is abusive and uses misdirection to make sure consumers are n't paying attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
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: After reviewing my credit report, I saw where Equifax was reporting a bankruptcy my chapter XXXX bankruptcy as a chapter XXXX. I reached out to them my phone, began a dispute, fax over supporting documentation from the Bankruptcy Trustee as well as the court, showing that this item has been on for 7 years and is do to come off. 
So I received a letter from Equifax, confirmation # XXXX dated XX/XX/XXXX stating that the disputed bankruptcy was not reporting on my Equifax file. We today as of XX/XX/XXXX, it is still reporting. 

I would like this removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Debt collection (Other debt) with Credence Resource Management, LLC (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I attempted to close a XXXX account in mid XXXX XXXX. XXXX claims that I should pay an early cancellation penalty because, they say, I signed a 2 year contract that had not expired. 

On multiple occasions, I have asked them to produce a copy of this signed contract and they, to date, XXXX months later, have been unable to provide me with any proof. 

They do say, however, that I should trust them and that there is in fact a contract. 

They also claim that they have sent letters and/or emails offering proof of the validity of the debt ( I assume a signed contract, but they have been unable to tell me what is in the letter ), but I have received nothing from them. 

On XXXX XXXX, XXXX, I received a collection letter from XXXX, a collection agency acting on behalf of XXXX, requesting payment. I informed them that the debt was disputed and, in compliance with the XXXX XXXX, they sent a letter acknowledging the dispute and have ceased collection activities. 

I spoke with XXXX again today trying to obtain proof of the validity of the debt and they told me that there was no one to talk to about this and just wait for some letter to show up that will offer some undefined form of proof. 

This is consuming my time trying to deal with this and causing me some distress. 

It seems like if a company says that I owe them money, they should be able to provide some proof of that, but, when it comes to XXXX, that apparently is not the case. 

In the mean time, they are negatively impacting my credit. 

I would appreciate your assistance in resolving this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problems caused by my funds being low

Complaint: Bank  of America has encouraged users to sign up for notifications when their account balances get below a certain amount. I have set up these aler ts. On the morning of  X/XX/2017   , I received an alert that my balance was at or below {$4.00}. Since I was on my way in to work, I decided I 'd swing by the bank and deposit cash on the way home. Later that day, I was at my desk working and received another notification that my balance was overdrawn on  X/XX/2017   , which means  1  ) B of A did not send any notification of a low balance prior to  XXXX  and  2  ) sent me a misleading notification on the morning of  XXXX  about the status of my account so they could charge me  XXXX  overdraft fees that would have been avoided if they 'd sent me the notifications when the actual events occurred as opposed to after the fact and out of order. When I called B of A to file a complaint, the customer service reps basically told me I ca n't rely on the technology they encouraged me to rely on and that I just have to check my account balances every day. They also seemed to feel that receiving a notification in the morning that you have a low, but positive, balance on  XXXX  then being followed by a notice eight hours later that you have a negative balance as of  XXXX  makes all the sense in the world. They also have returned to the practice of paying out larger payments that come in later before smaller payments that come in first causing excess overdraft fees, which they were successfully sued for several years ago.

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