milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/26/2015 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have XXXX Judgments listed on my reports from XXXX Dist Ct - The XXXX. These judgments have been paid since last year. XXXX and XXXX were able to update these items to paid in a timely manner with no help from me. Experian, however seems to have some kind of difficulty actually checking public records to see if they match their records, as they have twice refused to update these XXXX items to paid status. This amounts to willful noncompliance with FCRA. Under the law, if the furnisher of information can not or will not update the information to correct errors the information must be deleted. FCRA 607 ( b ) - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Experian and/or Experian 's paid agent ( their furnisher of public information items ) has failed to follow the requirement of 607 ( b ) TWICE. Clearly Experian is unable or unwilling to verify this information. Under FCRA 611 ( a ) ( 5 ) ( A ) - If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate ... 

Since Experian and/or their paid agent have failed to properly verify a public record that has been verified by XXXX and XXXX, I can only assume they are being willfully non-compliant. Because these XXXX items not being listed as paid makes me ineligible for a mortgage I have been significantly harmed by this action. Under FCRA 616 ( a ) : Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

The loss of the ability to obtain a mortgage harms me greatly, far in excess of {$1000.00}. 

Experian and/or their paid agent ( the furnisher ) must immediately update or delete the entries if they can not /will not verify them. Failure of them to do so for a third time will result in my pursuing legal action against them for willful non-compliance. 

If necessary I will obtain the court abstracts as proof of the judgments being satisfied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Checking or savings account (Checking account) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: XXXX XXXX, 2017 I turned in my vehicle to XXXX because it was being bought back under the lemon law. I was issued cashiers check for {$45000.00}. 

I immediately went to union bank branch but it was already closed. So I used atm to deposit cashiers check at XXXX XXXX. 

Today on XXXX XXXX, I spoke to union bank and they informed me that a 10 days hold was placed on check, that no funds would be available until XXXX XXXX. 

I have to go to XXXX with my family tomorrow, as well as it is my birthday tomorrow. I have no vehicle now, had an appointment to get a new car today but obviously dont have the funds for it now. 

On the XXXX I have court and wont be able to go to that. Then on the XXXX I am going on vacation but wont be able to do that now either. 

How can union bank refuse to release any. Of my funds whatsoever, all they have released is {$200.00} dollars. My XXXX and birthday is about to be ruined.

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 03/15/2016 about Payday loan () with Big Picture Loans, LLC (MI).
Issue: Charged fees or interest I didn't expect

Complaint: I borrowed {$800.00} dollars from XXXX XXXX XXXX XXXX. I have paid {$1400.00} dollars in interest since XXXX XXXX 2016. None of this went to the loan principal. They are deducting {$280.00} from my checking account every 2 weeks. They have now switched their name to Big Picture Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company erroneously reported that we were over XXXX days late on our XX/XX/XXXX mortgage payment. To date, we have NEVER been XXXX days late with any of our payments and this accounting error on their par has lowered mine and my husbands credit scores from XXXX down to XXXX because f Ditech 's error. We noticed this error on XX/XX/XXXX and contacted Ditech immediately to report, we called several times, each time getting a different story on how we were to obtain proof that they corrected, and I have emailed them requesting this as well and have yet to receive back up that they have corrected with credit bureau and will not send us a letter or anything stating they made this error and it was corrected with date of correction. My credit score is still XXXX or below due to this error and we are supposed to try to buy a new car since our car lease is up at the end of XX/XX/XXXX. They have also repeatedly charges us incorrect late charges and also XXXX allocated our check we sent for mortgage payment to another amount thus charging us late fees for their error. This time, it did us actual damage to or credit and will not respond with correction for us to use when we go to apply for lease for car. I have attached bank statements that show each payment totaling {$1100.00} per month ( our monthly payment amount ) highlighting the check memo that is printed with each payment that lists month, mortgage, and year on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Mortgage (Other mortgage) with Seterus, Inc. (PA).
Issue: Application, originator, mortgage broker

Complaint: XX/XX/XXXX, we were having trouble paying our mortgage. Now please keep in mind that we purchased this house XX/XX/XXXX for {$88000.00} with XXXX for 15 years. Our mortgage was sold and we had to refinance several times sometimes XXXX time putting down {$30000.00} to get to a payment we needed when I received an inheritence. Long story short it is now XX/XX/XXXX and we owe {$93000.00} on the house for 30 years and are again refinancing after finding out that our current lender whom stated our loan was a 15 year fixed loan in XX/XX/XXXX lied. It is currently at 48 years which would make us XXXX years old when we paid off the house that we started paying off when we were XXXX years old. we did a remodification which was intended to help us, but it did not, we have made our payments timely and our loan keeps being extended and we do n't understand. we are now going through XXXX XXXX Harp program to get back on track for another 15 years, but we have been paying consequitively since XX/XX/XXXX and owe more now than ever. Something is not right. I have gotten the run around from XXXX and Seterus whom I 've now said over {$20000.00} in two years and my principal is more now than when we started without missing a payment. Please help us. I am on XXXX, my husband and I are separted but he is required to pay on the home as it 's in both our names. we would just like restitution as we have now paid for the house 3 times over and now are restarting over for another 15 years as the modification Seterus did, DID not benefit us whatsoever. Any help or assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Mortgage (Other mortgage) with RCS Recovery Services, LLC (AZ).
Issue: Credit decision / Underwriting

Complaint: I received a collection letter from RCS Recovery Services LLc XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. This company is harassing me with calls and letters. Im in the state of XXXX protected by " uncollectable debt ''. This was a 2nd mortgage " purchase money 2nd '' - by the XXXX state law " anti-deficiency statute " The anti-deficiency statute for mortgages applies to purchase-money mortgages ( mortgages taken out for the sole purpose of purchasing the property securing the mortgage ) used to purchase a single one- or two-family dwelling on XXXX acres or less. So if you took out a mortgage to purchase your single-family home on a lot that is less than XXXX acres, your lender will not be able to sue you for the deficiency after a judicial foreclosure. XXXX Rev. Stat. Ann. 33-729. While this statute appears to only apply to mortgages, XXXX courts have interpreted it as also being applicable to purchase-money deeds of trust that are foreclosed judicially '' Please forward this complaint I am in need of protecting my credit and can not have this company report any judgment whatsoever on my credit. I would like a response to the handling of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Bank account or service (Checking account) with BB&T CORPORATION (KY).
Issue: Account opening, closing, or management

Complaint: BB & T charged the bank account for my XXXX for a " service charges prior period ''. When I called to inquire they said a manager would need to call me back. I called back a couple hours later and was then put on hold until the manager could talk with me. A manager is the only person that could reverse the charge. 

They had no good explanation other than the account was put into the wrong account type when they converted from XXXX to BB & T and they were going to charge the XXXX a fee for being in a business account. 

When I told them this smelled like XXXX, they very quickly indicated that they would refund the fee within 24 hours and move the account to a not for profit account type which had no fee. I told them that I appreciate that, but I knew that the bank had 100s of XXXX accounts not to mention other not-for-profit organizations. He agreed and I told him charging this fee was totally inappropriate. The XXXX received no communication about this change and I suspect many other accounts have this fee charged to them. I believe the CFPB should look into BB & Ts business practices, this is no different than what XXXX did.

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 12/13/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Due to the fact that my situation is not above for me to choose from. I am willing to explain it here below. I had the equipment from XXXX after canceling the equipment from my business office. In which XXXX, placed my XXXX in XXXX and i am paying on that service at this time correctly. So, in that case XXXX should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Using a debit or ATM card

Complaint: On Tuesday, XXXX XXXX I received a text alert from Bank of America warning me about a low balance. When I checked my account activity from the weekend, I noticed XXXX cash withdrawals made from XXXX ATMs in XXXX. 

The ATMs and amounts withdrawn were : {$44.00} ( includes ATM fee ) from XXXX XXXX XXXX XXXX, XXXX Texas - XXXX {$300.00} ( incldues ATM fee ) from XXXX XXXX XXXX, XXXX, TX - XXXX XXXX XXXX XXXX I tried calling them immediately, but since XX/XX/XXXX was on Monday, I had trouble getting through since their holiday message kept playing ( despite it being Tuesday & business hours ). I signed into my online account and locked my card. 

Finally later in the day I was able to get in touch with them. I let them know I 'd been involved in a car accident on Friday and on Saturday, when the withdrawals were made, I was home all day recovering. Bank of America opened a claim and said they would investigate. I asked them to please check the cameras. 

In the meantime they issued a temporary credit for the amounts withdrawn as well as the ATM fees ( they were made at non-BoA ATMs ). My debit card was still in my possession. 

When asked to answer some questions and submit claim documents online, I provided them with a statement of my whereabouts as well as geolocation proof from XXXX XXXX demonstrating where I was when it happened. 

On Friday, XXXX XXXX I received a response that my claim had been resolved. When I signed on and viewed the letter, I was informed that my claim was being denied. 

I followed up with their claims department and was told my claim was denied based on the following : The person who withdrew the funds knew my pin number. Since there was no pin error, it was n't considered fraud. 
The person who withdrew the funds only did so twice. Since it was only twice, it was not considered aggressive behavior. 
The person who withdrew the funds did not deplete my account to {$0.00}. Since they did n't completely empty my account, it was not considered fraud. 

I was informed the temporary credit would be reversed since they saw no signs of fraud. 

I 've filed police reports for each withdrawal.

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 08-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX KEPT CALLING ME AND TRYING TO COLLECT MY FAMILY MEMBERS BILL WITH XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 11-10-2017 about Credit card or prepaid card (General-purpose prepaid card) with CITIBANK, N.A. (AR).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: I received a promotional gift card from Citi for a XXXX tires purchase made in XX/XX/XXXX. The promotion provided an {$80.00} prepaid card with the purchase of a new set of XXXX tires. I received the card in late XXXX / early XX/XX/XXXX. Unbeknownst to me, the card had an expiration date of XXXX. The card was packed away in a move and later realized to be expired. I contacted Citi on XX/XX/XXXX to request a replacement, as I have done with other prepaid cards that did not have an expiration date. Citi informed me that the card had already expired and the {$80.00} balance on the card had been " forfeited. '' I have now learned that promotional cards are not protected under the CARD Act, like I had understood gift cards to be. This is another way for corporations to " legally '' steal from working people and it is shameful. It is certain that many other people are being taken advantage of in this way. I would like for Citi to pay what they owe to me and other mistreated consumers. I also implore CFPB to encourage legislation to protect consumers by including prepaid cards and other forms of circumnavigating the CARD Act into law.

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 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: I have disputed XXXX XXXX on all 3 of my credit reports. I have tried and called all the bureaus and they keep telling me different things about this account. This account was a judgement, and my wages were garnished for years until collections amount was paid in full. The NY Supreme Court took all of their remarks off all my credit reports and I think the XXXX XXXX should be required to do the same. In my research of laws in NY State, there is a law call the NY 5 year purge rule. It states that any collections or judgement that have been paid in full from the first D.O.F.D. shall be removed from all credit reports ( D.O.F.D. was X/2011 ) I have provided all sorts of proof that this judgement has been paid n full and the account should be removed from all of my credit reports. I will include them with this complaint as well.

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 10-04-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Not getting results from CB directly after mailing letters and sending faxes. These inquiries are not authorized and I 'm asking for removal from Experian report. 
1 ) XXXX Bank XX/XX/2016 2 ) XXXX XX/XX/2016 3 ) XXXX XX/XX/2016 4 ) XXXX XXXX/XXXX/16 5 ) XXXX XX/XX/2016 6 ) XXXX XX/XX/2016 7 ) XXXX XX/XX/2016

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 11/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (WA).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: In XXXX of XXXX, I shopped at XXXX, XXXX, XXXX XXXX, and only browsed XXXX. After the purchase, I received credit cards from all 4 merchants. 

XXXX -- product returned immediately, but they still showed charges of over {$40.00} XXXX -- charged for partial order, but was not aware. In XXXX they sent the item and started sending me bills for over {$60.00}.

XXXX XXXX -- product received, but they were charging me {$37.00} for the yearly card. 
XXXX -- looked for a particular item and left. I still received a card asking for yearly fee. 

Tried to call XXXX XXXX several times as well as store customer service, but nothing was resolved. I finally received a call from XXXX on XXXX XXXX, they listened to my complaints about receiving cards and they said they will close all and clear the accounts. However, as of XXXX XXXX, XXXX, XXXX claims I owe them {$58.00}. Spoke with the number provided and told them that account was cleared by the bank. They insisted it was not. I am suspecting the other merchants will do the same, harass me until they receive the money they think I owe. I am hoping that someone will help us before anything else happens. 

These merchants and the XXXX XXXX XXXX are committing fraud. They should be penalized and punished every possible way. They are misleading the consumer. As for me, I will not shop at the above merchants again.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2016 about Credit reporting () with Credit Karma, Inc. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I cant never get a credit score because they say that 's not me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ASSET MANAGEMENT OUTSOURCING, 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 obtained a copy of my credit report in XX/XX/2017 and noticed that XXXX XXXX XXXX.was reporting a collection account. I submitted a dispute letter to the credit bureaus regarding the account and they stated it was verified. To that end, I communicated in writing to XXXX XXXX, XXXX. I requested that they provide me copies of any documents proving my indebtness. See attached documentation they sent -- a document of which was merely created by them reflecting several entries, but nothing to substantiate their allegations. This is wholly unacceptable and further the documentation they sent reflects that the patient was not me. This inaccurate entry on my report is illegally reporting and does not belong to me. REMOVE THIS ENTRY IMMEDIATELY AS XXXX XXXX IS VIOLATING MY CONSUMER RIGHTS. 

I have no recollection of ever owing XXXX nor ever doing business nor receiving any correspondence from them whereby I signed a contract. The company should provide proof of all HIPPA information whereby I gave XXXX XXXX permission to allegedly share my information with them as well as copies of their adherance to the Affordable Care Act where there was a screening performed as well as a clear summary that spells out the financial assistance/charity care options available if I am indeed responsible for this debt. Further, where are the copies of the letter XXXX XXXX should have sent in writing first, to advise me that they were turning over this alleged debt to the a collection agency. Also per ACA, once the collection agency, in this case, XXXX, received the debt, they were still responsible for providing billing information and payment plan options to help satisfy this alleged debt. As stated above, I have not received anything from this company prior to the correspondence they sent in XX/XX/2017 responding to my dispute.

Company response to consumer: Closed with explanation