milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/29/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MO).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: This is in regards to a XXXX XXXX credit card account under XXXX XXXX. I decided to go with the 0 % interest for 24 months program in XXXX XXXX. I noticed in my next billing statement that I was charged for " purchases '' however this was in disguise to debt protection that I did not willingly sign up for. I was denied credit of debt protection due since XXXX stated that I " signed up for the optional program in XXXX XXXX ''. I did not willingly sign up for the program in XXXX and when I asked what the charge was for XXXX XXXX claimed it to be interest expense. 

I believe this also related to the CFBP suing XXXX for the {$700.00} XXXX of unwarranted add on charges to consumers that were not given the option of obtaining the services. 

I am not sure as to the exact amount that I 've paid to debt protection since 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 07/25/2017 about Mortgage (Conventional home mortgage) with WHITNEY BANK - NEW ORLEANS MAIN BRANCH (TX).
Issue: Closing on a mortgage

Complaint: I originally scheduled my closing for XX/XX/XXXX. Four days before, I was told that would n't be possible. I received an extension from the seller and scheduled closing for XX/XX/XXXX. Two hours before closing, I received a call saying the closing was n't cancelled. I was told my seller would be notified. They were n't. They contacted me to find out why the closing was cancelled. I 'm still trying to close on the house, but it 's looking doubtful at this point. I 'll likely need another extension from the seller. During this whole ordeal, my loan officer has uncommunicative for days at a time. He also repeatedly he would call me by a certain time, and I would n't hear from him again until days afterwards.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: All XXXX credit reporting companies simply used the bogus information sent from the reporting companies as verification despite different social security numbers, addresses, and date of births. The " investigation '' process requires little to almost no proof that the actual person affected is the actual owner of the items in question. Simply providing the credit reporting agency a name and maybe an application should not be enough to continue reporting the information. Additionally, once police reports and affidavits are submitted to refute those claims, the credit reporting agencies still refuses to remove items that are not yours. Example : I am a teacher who makes {$38000.00} per year. Yet there are XXXX vehicles that were financed under my name within a 3 month period in the year 2014. XXXX were brand new cars and XXXX used. That should have thrown up red flags. Also there were over XXXX addresses and XXXX variations of my social security number used. The credit reporting agencies seem clueless as to the identity theft crimes that are sweeping this country.

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 Debt collection (Medical debt) with State Collection Service, Inc. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Hi, My name is     XXXX   XXXX     and this debt of {$30.00} was a medical co-pay from  XXXX  /   XXXX   when I had back surgeries. I was never notified and have no clue when this collection agency has put this derogatory remark on my credit report. When I called them, they tried to multiply the {$30.00} co-pay that was paid by a entire year and said I now owe {$360.00} and that 's what they wanted. I 've never been without medical insurance and never had a problem in the past with a co-pay, but they are impossible to speak with, rude, foul and unreasonable. I 've asked them several times to please validate the dept and that they ca n't do! Can you help at all, there was a link from creditkarma to your web site? Here is a copy and paste of the derogatory remark, which destroys my credit report. It 's not reported to  XXXX  or  XXXX , only reported with  XXXX . Thank you,   XXXX   XXXX    XXXX  my e-mail These are the collections accounts that are reported as open on your credit report.   Agency Open   XXXX   Balance Open Equifax Balance STATE COLLECTION SERVICE , INC {$0.00} {$30.00} 0 accounts reported on    XXXX   XXXX   XXXX    1  account reported on    XXXX   XXXX   XXXX    This agency did not report an open account to this bureau.   Open Account  # 1 {$30. 00} Balance  XXXX   XXXX  Original Creditor {$30.00} High Balance   XXXX   XXXX   XXXX   Opened Date   XXXX   XXXX   XXXX   Last Reported Individual Account.    Responsibility Consumer disputes this account information Medical Remarks Note See something wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Having issues linking checking account from TD Bank through third party apps on my phone to manage my accounts. ( XXXX, XXXX XXXX ) error received that TD Bank is blocking applications.

Called TD bank spoke to a rep and that stated that they cant help. That they are not blocking anything. However upon searching online I see similar occurances from other consumers. With similar investigation apps such as XXXX, transactions not getting posted, or issues verifying account information. 

Accessing TD Bank online works fine except when trying to link separate accounts. 

Issues have been going on for about two weeks on my end and I called and spoke to the bank rep on todays date X/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Debt collection (I do not know) with H. Kent Hollins, Attorney at Law, P.A (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt collector has garnished my wages, assumingly illegally, in XXXX for supposedly a {$20.00} bad check in XXXX at a XXXX XXXX DBA XXXX XXXX XXXX in XXXX , Kansas . On my notice of unpaid judgement it has an Account # of XXXX balance of {$1300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (NY).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in XXXX but in the XXXX of XXXX as well. 

The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA. 

In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices.

Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX XXXX residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State. This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to XXXX XXXX XXXX Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX XXXX and XXXX both require licenses and that the license number be disclosed on all communications with consumers. 

XXXX, NY XXXX required. 

" No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Transunion has not deleted a Tax lien that was filed in error. I disputed this XXXX times with the Transunion only for it to come back verified. I have provided XXXX letters from the original creditor ( XXXX ) explaining how it was filed in error. I have also provided a letter from the source ( XXXX County Recorder ) also indicating it was filed in error, yet it remains on my credit report. XXXX and XXXX removed this item immediately upon receipt of the documenation I have attached. I am asking requesting intervention by the CFPB to act for removal of this tax lien clearly filed in error.

Company public response: Company chooses not to provide a public response
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 FLAGSTAR BANK, FSB (CT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: requested through XXXX XXXX that I am no longer financially responsible for a mortgage that is under my ex husbands name on XX/XX/2017. I have not been notified and XXXX XXXX   is still giving me mortgage updates and hard inquiries on my credit report.

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 10/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Enhanced Recovery Company showed up on my credit bearu I disputed it with the credit bearu. As it was for an old XXXX account that was closed XX/XX/XXXX. As I could no longer afford it and was told upon closing the deposits that would be applied to the account and closed. I contacted ERC and requested detail on why they where collecting the said it was for XXXX old XXXX accounts ( XXXX lines XXXX account ) this was sometime XX/XX/XXXX. I told them I have never received a letter at all from them to dispute the collection and requested more details Some time goes by and XXXX/XXXX/2015 I contacted the collection agency again and they transferred me to the dispute department a woman by the name of XXXX said that she had already placed a request in with XXXX for a company of by account along with where the depsit was placed. She then told me the account also had XXXX of early termination fees. I told her my account with XXXX was past the early termination fee period and requested that she provide proof of my signed agreement and any recording they had from XXXX authorizing such a hefty termination fee as i had stated the account was well past the termination charges. When I called and spoke to some else I was told they would not give me any time frame as to how long they had to collection the info before they would have to remove the account without the validation. I called XXXX/XXXX/2015 and spoke with a XXXX who said that they just received the request on XXXX/XXXX/2015 and this was the first time they requested any info as it originally needed to be in writing when I told him that it I was told it was already requested he said that they had not. When I told him I want proof of all documentations as the letter I sent requested his response was we will only send you what we are legally required and that is just the statement not the originial signed agreements. A previous complaint was files under Case Number : XXXX a agency responded that they would be supply the information of the signed contract and any and all recording in regards to the early termination fee to date nothing has been provided to me from the collection agency nor XXXX. ERC removed the collection and all negative information from my report and it remained off my bureau for a couple months and now they have resubmitted the collection on all my CRA bureau as a new account as of XXXX 2015. I am demanding that they remove all negative reports from all any of my credit bureaus as they they have failed to provide proof of the agreement.

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 04-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My credit car utilization was supposed to go up it did but my points went down instead of going up that 's an error and some of the creditors are being investigated there for with no change on my report except that I paid my credit card on time and my utilization went up it should have eather stag the same or gone up.

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 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are two XXXX XXXX XXXX account showing on my credit reports and both accounts does not belong to me. I have disputed this 2 accounts with the credit reporting agency several times.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Debt collection (Medical) with Nair & Levin, P.C. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX CLAIMS : Docket XXXX. 
In the year XXXX there was an eligibility error on the employer part the original debtor office was contacted by XXXX XXXX that claims are being reprocessed. No court date documents sent. I have been checking the website for any activity under notices. I received a failure to appear judgement which is totally incorrect NAIR & LEVIN returned date was XXXX/XXXX/XXXX, however they have been contacted by superiors at XXXX insurance that the claim was reprocessed. XXXX made the negotiable to the participating provider but then 5 years latter the money was recoupe due to an eligibility error. That error has now been corrected. Nair and Levin, ( XXXX, ct ) just jumped there guns when they were informed by XXXX once the archived information for XXXX claims recvd and eligibility updated the claims will be reprocess, and now they have sent me the entire bill which is incorrect saying I have a failure to appear when I recvd no such document. They took among themselves when the insurance company has been speaking with them. Docket XXXX. I have the XXXX when claims processed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Credit card () with U.S. BANCORP (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: US Bank denied a claim based on purported signature similarities, this was a baseless claim as the signatures were not even remotely similar to known signatures. US Bank made a claim that they recorded 11 conversations between myself and US Bank employees, yet refused to let me review those recordings. I asked for video surveillance and US Bank informed me that I had to obtain those videos. 
US Bank violated TILA by placing the burden of proof upon the cardholder, using evidence that either did not exist or they are refusing to share and making obviously incorrect conclusions about signatures. 
One has to wonder if US Bank is systematically violating TILA by denying valid cardholder claims based on false interpretations of evidence, making false claims to consumers about evidence and telling consumers they are responsible to gather evidence. 
All my claims are based upon conversations on a recorded line. 
The CFPB can review the signatures for themselves and attached is an analysis from a professional handwriting analyst who found that " no indication... that XXXX XXXX is the author of the four questioned signatures. '' Again, one must wonder why US Bank held me responsible for the transactions when the evidence clearly does not support their claim and if US Bank is making similar unfounded claims and or manufacturing evidence to wrongly place the responsibility on the cardholder in violation of TILA. 
US Bank also violated TILA by not provisionally crediting my account when presented with substantially new evidence or providing evidence to counter my claim. I sent the attached documents by certified mail.

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 08/16/2015 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Billing disputes

Complaint: I transferred a {$6700.00} balance to my Barclay XXXX credit card in XXXX, 2015. I transferred what I thought was that balance plus some ( {$6800.00} ) OUT of the account 14 days later. Now EVERY SINGLE MONTH since I 'm charged interest on that Barclay card even though I pay off my statement every month. When I called the card company, they said that even though I transferred out the amount that I transferred in, they see it as I still owe interest on that money. They said that the only way to make it go away is that I pay off my statement balance AND any transactions that occurred AFTER the closing date of that statement balance. In other words, PAY MORE than what my ending balance is every month. They have credited me back the interest so far, but I have to call them every single month to get them to do that. There is something seriously wrong with this practice and it almost seems illegal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/21/2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.

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 06-01-2017 about Debt collection (Other debt) with ERC (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: ERC non-compliance of federal law under the Fair Debt Collection Practices Act. ERC has failed to provide me with a copy of any viable evidence, bearing my signature showing the account is being reported accurately. As per FT C opinion lett er from Attorney  XXXX   XXXX   XXXX , ERC should be aware that a printout of a bill or itemized document does not constitute verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Making/receiving payments, sending money

Complaint: I used my online Chase Online bill pay to pay for a service that I purchase bi annually. The money was taken from my account and transferred to a Chase account and their check was sent and mailed to the vendor. The vendor deposited it and per Chase, the check was paid. The vendors Bank , XXXX, claims not to have received the funds even though a cancelled check was produced. Subsequently the vendor invoiced me for the service again. I asked for Chase 's assistance in resolving the dispute and it was referred to their Escalation department. They allegedly did an investigation and only told me what I already knew. The payment was supported by the XXXX cancelled check which XXXX does not recognize as valid proof. Even though they probably could have traced the payment and given me some information I could use to defend myself against the vendor, they refused. They would n't even acknowledge the conversation in writing leaving me nothing use to support my case.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Mortgage (Conventional home mortgage) with Stearns Ventures, LLC (CO).
Issue: Trouble during payment process

Complaint: My loan with Stearns got sold to XXXX XXXX and i was notified lass then 2 weeks before transition kicks in. I've seen online that they should be notifying about this atleast 2 weeks prior. 

Stearns lending XXXX XXXX XXXX XXXX XXXX VA, 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