milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/28/2015 about Bank account or service ((CD) Certificate of deposit) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Account opening, closing, or management

Complaint: I was required by XXXX ( XXXX XXXX XXXX to obtain a XXXX Signature for a Transfer on Death application. I was unaware that the Bank of America XXXX BOA ), where I have several accounts, dropped this service several months ago. My BOA branch said to contact Merrill Lynch. When I asked whether an account at Merrill Lynch was required, the answer was vague. Subsequently, I found out that one had to drive to an office an hour away and even then open an account. I spent several weeks trying in vain to find out where I could get this service. Finally, I went to nearby banks and found that they all provided XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Bank account or service (Checking account) with NETSPEND CORPORATION (OR).
Issue: Deposits and withdrawals

Complaint: I have been a netspend customer for 7 years. I have worked for the same company the entire time and i have my bi-weekly check direct deposited into my account. This week i received a bonus which put my account balance over the maximum on the card. As a result my account was frozen. I immediately called in and they said i needed to provide proof of deposit from my company. Our payroll department immediately provided. Then radio silent. I called back in XXXX hours later to check status. Customer Service informed me that they had all they needed but it take XXXX hours to process. Fine. So after the XXXX hours expired i called back ( XXXX time ). The rep told me that she did n't know why it had n't been unfrozen but assured me they had what they needed. So once again i hung up. then XXXX hours later i called again. I asked to please talk to the documents department and they said they can not call them. But they emailed. Low and behold right after that email went i receive a notice that they still have n't received the documents they need. Now keep in mind no one told me any documents were required beyond proof of deposit even though i asked XXXX people. So i immediately sent the documents. That was at XXXX yesterday. So i called again last night at XXXX to check to see -- what else was needed, what are next steps. Again nothing other than it takes XXXX hours. So this morning i call back ( call number XXXX ) and once again there is no update. Then they transfer me to the fraud department. The fraud guy says he does n't know why i am there and puts me back with customer service. So the new customer service agent asks for all of my informaiton again and then says i need to hang up and call back in. that is when i lost it. Finally i spoke to a supervisor who supposedly sent another email and apparently was going to document that this needed to be escalated. I am now back on the phone ( XXXX call in but XXXX person i have spoken to ) and she said they ca n't address until monday because the people are n't working. BRAND NEW NEWS. So i am on hold once again waiting for supervisor and all of this time my money is locked down. Once again i understand need to do verifications but this is insanity and i honestly feel like i am losing my mind. This whole process has to be illegal. I honestly can not believe that not XXXX person can get a clear status update. What they do n't realize is that this completely messes up people 's lives severely. Sad, tragic and completely has me in tears.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/19/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX we received a letter in the mail from Bank of America stating that our Mortgage will be sold to XXXX Mortgage XXXX. Out Mortgage payment is due on the XXXX day of each month with Bank of America and in the letter it states that the loan will transfer on XXXX XXXX. If I understand this correctly it means I should pay Bank of America for XXXX and then we will start payment to XXXX in XXXX. 
On XXXX XXXX we came home to XXXX messages from XXXX Mortgage asking us to call a XXXX number with a specific pin to reach our message. The message stated that we are delinquent on our XXXX payment to XXXX and to continue of for instructions on how to send payment. In addition to the letter from BoA stating that we begin AFTER XXXX XXXX sending our payment to XXXX we have received no correspondence from them at all, nor do we have an account number to attach to the payment. 
I called XXXX Mortgage 's customer service number and talked with XXXX. He twice asked for my account number even though I told him we do not have XXXX due to lack of correspondence from his company. He then assured me that we were fine as we have 60 days from transfer of our Mortgage holding to begin paying and that we should be receiving a welcome packet any day now. He also said that Bank of America should be forwarding our XXXX payment to them, which I am unable to confirm at this time due to BoA customer service being closed. I am troubled that Customer Service tells us it is no issue but we have already received delinquency calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In reference to case # XXXX and XXXX Commonwealth Financial Systems, Inc continues to telephone me and send me mail regarding the above case numbers. 

This time, instead of listing XXXX XXXX as the placer of the so-called debt they now list " XXXX XXXX XXXX. " The same information still obtains. XXXX XXXX XXXX XXXX failed to exercise due diligence in billing the VA in a timely manner ( over 8 months ). 

In the above referenced case numbers I was assured the collection efforts would stop pending a decision. That has not happened. They have continued to harasses my wife and send me letters telling me I have 30 days to respond even though I responded back in XXXX. 

Please make this stop!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Over the years I have been financially unable to repay this loan. My income tax refunds have been taken from me twice in the amounts totaling between 12 and 13K all together. Once in for the XX/XX/XXXX tax yr and once for the XX/XX/XXXX tax year. The moneys that was withheld was not applied to my student loans according to my credit reports, even though I was told by the IRS this was the reason I never received my refunds. My question is where is the money that was taken from me supposedly for this loan. Why is the loan on my credit reports multiple times totaling the same amount as day one as if they have received nothing. I can not get any loans, credit cards, or apply for a mortgage because this continues to hang over my head. It has literally been years and I am asking for help removing these inaccurate numbers from all my credit reports immediately. The credit reporting agencies have not verified any of this info to be true by sending me the original loan records minus the tax refund dollars. There for under the law they must remove the false information.

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 04/21/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This item has been disputed previously. The complaint was file, because the TRADELINE WAS INCOMPLETE. The response did not respond to the issue of the record being incomplete. 

" Equifax said : Explanation of closure Equifax has reviewed your complaint and its records regarding your dispute. The XXXX XXXX has verified name, address, birthdate, social security number and the DLA, closed date to be XX/XX/XXXX on the credit file. '' The XXXX XXXX Tradeline, lacks any Payment history - and in incomplete. The Pay History is Required, and does not exist on this record. 

A screen shot is attached. 

This account should show a " NR '' or a " PAY '' for the duration of time, in which it was opened based on the reporting guidelines that define a COMPLETE record. 

The record is INCOMPLETE, please Add the payment history accurately - or DELETE the Trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with R.M. Galicia, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: 1. I was residing in different city than the one provided for the origin of this account. 
2. The number one way Progressive validates an account is through a signature XXXX XXXX and Progressive has not done so. 
I am sure they are very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Act Validation of Debts must include What the money you say he owes is for ; SIGNATURE AND COPY OF ID FOR SAID DEBT Explain and show how you calculated what you say he owes ; Provide me with copies of any papers that show he agreed to pay you what you say he owe ; Provide a verification or copy of information Identify the original creditor ; Prove the Statute of Limitations has not expired on this account The original account was closed in 2008. 

Show me that you are licensed to collect in CA including you SOS FILING NUMBER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2016 about Debt collection (Auto) with TOYOTA MOTOR CREDIT CORPORATION (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a lease on a toyota XXXX and paid regularly until the lease was expired. I turned the car in. A few weeks later I received a bill for {$720.00} for over mileage. I paid the bill that day and did not hear another thing until last week when I received a notice from XXXX XXXX XXXX saying I had not paid the bill and failed to respond to previous requests. That was the first and only collection notice i received. After extensive investigation involving going to my bank, callint Toyota Financial Services, lexus Financial services, visiting both XXXX and XXXX dealerships, we finally figured out that I had, in fact, paid that bill but, since the lease had been terminated, there was no further account. Thus, the payment was applied to another lease on XXXX. But I was never told that nor was there any way for me to tell. Subsequently, I rolled that lease into another XXXX but was never told anything about the fact that the {$720.00} was applied to that down payment. 
So, after several days, many calls and visits and much aggravation, I called the credit bureau back and paid the {$720.00} again, but extracted a promise that I would receive a letter stating that my credit was cleared and the bill was paid. Instead, I received another collection notice from XXXX XXXX XXXX for {$720.00}. Of course, they are not open during non business hours and I have a day job.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-07-2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (IA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, XXXX I mailed a check # XXXX in the amount of {$2800.00} to pay in full statement due on XXXX/XXXX/XXXX. This check was cashed and never applied to my credit card account. A letter dated XXXX XXXX, XXXX from XXXX XXXX a collection company was sent to me stating they were collecting on a past due debt. I responded with a dispute. On XXXX/XXXX/XXXX, I received a letter from XXXX services stating they investigated how they were reporting my information. They confirmed the information as accurate that my account was closed by the credit grantor on XXXX XXXX, XXXX. They received my last payment on XXXX XXXX, XXXX and my account has a XXXX dollar balance. After they continued to report my account as past due with a balance I again disputed the information. The executive office first claimed they never sent the letter stating the account was paid so I sent them a copy. They they sent me a letter dated XXXX XXXX, XXXX stating they never received the payment and only issued a temporary credit on my account and reversed it because the information was illegible. This is all 8 months after sending me a letter saying its a paid account and closed. They have been paid and I have a letter from the company stating just that. This account should not be reported as past due, delinquent or have a balance. This is only damaging my credit score and credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: the bankruptcy on my credit report for Experian and XXXX is not mine

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 04/25/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Struggling to pay mortgage

Complaint: The lender has failed to provide a response to our QWR -Qualified Written Request that was submitted to them on  XXXX / XXXX / 1  7 - This is a Violation of RESPA guidelines and we are unable to provide our client with an adequate review and assistance to the ir delinquency with no response to the loan history being requested.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Mortgage (FHA mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (LA).
Issue: Application, originator, mortgage broker

Complaint: I was browsing local lenders on XXXX and XXXX websites to find a local mortgage lender. I noticed there are several mortgage loan officers at our local Homebridge Financial Services branch that are not advertising their license number. Before I apply anywhere for a home loan, I 'd like to research and review their employment history to see how knowledgeable they are. The last time I gave my personal information for a home loan, I had a bad experience so I am very cautious. It 's my understanding that each loan officer is required to display their license number. I even noticed that one of their co-workers with a higher title is n't advertising his license number, either. I 'm concerned that this company is n't operating legally.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax and XXXX are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Debt collection (Other debt) with Amsher Collection Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My current legal name is XXXX XXXX XXXX and my current occupation is I 'm a XXXX  of XXXX XXXX XXXX XXXX XXXX XXXX. I 'm just asking to be fairly not long ago I check on my credit report and some incorrect information and inaccurate on my credit report I did report to CRA and ask them to remove those items then XXXX  and XXXX confirmed is fraud and I 'm the victim of fraud now I 'm stil waiting XXXX to remove the inaccuracies off my credit report I was lose almost over two hundred points of that suddenly they have another collection came from XXXX phone account # XXXX and the amounts is {$290.00} dollars said that the account was open in XXXX last year 2016 my question is all that time XXXX phone why they do n't report to the CRAs the three major credit reports that I have open account with them or someone else? I 'm have snaill business and I 'm work hard everyday I 'll pay my debt I do n't owe no deb at all just my two credit card couples hundreds of dollars if I pay my debts I suppose deserve for good credit score, this they not report at all then the thing go wrong and they report to the three major credit report without notice when I know is too late my credit report already report and my credit score is went down that hurst my employees, my financial, leasing, insurance etc ... and my XXXX daughters next year the go to college university XXXX XXXX   how do I have student loans for them XXXX as for myself I did write a notice on my credit report that any new inquiry or new account please contact me on my personal phone numbers, but no body contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Husband opened a credit card account ; his signature only. Card owner is now deceased. His balance shows up on my credit report. Utah law states that the spouse is not responsible for his credit card debt. Would like to have debt removed from my credit card report and score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-11-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: Since becoming an Equifax customer my score was about a XXXX at the start of the membership. There were many debts at that time, some were not valid, some were paid before going to collections. Oddly after removals of the inaccuracies my score dropped more and ore since becoming a customer. With improvement my score should stay unchanged. 
With the issues I had prior XXXX complaints as my score dropped at times by up to XXXX points. and right after the XXXX complaint closed they dropped again another XXXX points with no changes to my credit report that would justify the drops continually. Replies were not justifiable as at the start with many wrongful debts I had a very good score and today with removals and improvement my score has dropped too much. I gained new credit, reported as good credit, paid on time, paid typically the balance in full, and again they are dropping my score by about XXXX points each time they drop without justification. Common sense tells you that when you are a new customer with a score of XXXX with allot of wrongfulness, no good credit at the time, all wrongful removed, new good credit that today my score is a XXXX, so what does that tell you they have done immorally to my score.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 called and have disputed through online process, they verified it under false information provided by collection company. Have had to have it disputed several times. Sometime it does get removed, only to reappear at the end of the year. Same company, same bills different dates.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: All three credit bureaus : XXXX, XXXX and Transunion can not explain my credit Score while all scores are different. None of these bureaus can explain the Score process nor specifically why my credit score is being negatively impacted by their own records, due to " revolving credit not being established long enough ''. Their own records indicates my revolving credit has been established for 14 yrs, 10 months. This was NOT reflected on my credit bureau until I disputed I negative rating from XXXX, which was removed. Nearly immediately all credit bureaus this New Negative factor as stated above, arose and not one of these bureaus cares or can explain. Some have said perhaps it will clear up in a week, a month, they blamed algorithm 's ... ..etc! This is not satisfactory and the longer they all go not correcting this, the more my credit score suffers while I strive to improve it.

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 08-12-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CT).
Issue: Account opening, closing, or management

Complaint: XX/XX/2015 I was offered a sign up bonus to open a Citigold checking account. Since I did not have my state issued ID at the time I was given instructions on how to do so online. After opening the account I reached out to confirm the offer was attached to my account. I was told that it was. Once I met the requirements for the bonus I reached out again to confirm I had done what was needed and was told that I had and that the bonus should post to my XXXX XXXX account no later than XX/XX/XXXX. Now I am told that I was not eligible for the offer but I have all the messages to prove that I was told I was. I was even told to go in branch to talk to a representative and when I did I was told that they did not have the power to give me the bonus but to reach out to customer service again because it should be honored. I did that and after their investigation where they can see all my previous communication where I was told I had the offer on my account and that I completed the requirements I am still being told that they still will not honor this offer.

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