milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/17/2017 about Checking or savings account (Checking account) with U.S. BANCORP (OH).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/XXXX, we make a deposit of cash and a business check into our personal checking account. The cash was in the amount of {$3000.00} and the check was in the amount of {$3900.00}. As in Past deposits with cash, we were told that the cash would be posted to our account and would be made available immediately. When the bank decides to hold our cash for 24 hours is often inconsistent, but does seem to correlate with whether we have additional funds in our checking account. If our count is lower, it seems that the cash is held and money is pulled from our line of credit and fees are assessed for this. If we have a lot more funds in our checking account, the cash is made readily available. As of today, XXXX/XXXX/XXXX, both the business check and cash are being held as pending And money was pulled from my line of credit. When I called my bank, I was unable to speak to a supervisor and was told that the reason for the cash being held is that the deposit amount was large. This is no more than typical deposits we make and in the past cash has been made available immediatel when I called my bank, I was unable to speak to a supervisor and was told that the reason for the cash being held is that the deposit amount was large. This is no more than typical deposits we make and in the past cash has been made available immediately. This seems to Me like a way to fraud customers and force him into using your line of credit so that additional fees can be assessed. I would like a response to this and resolution.

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 11-09-2017 about Debt collection (I do not know) with Account Recovery Specialists, Inc. (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Out of the blue this list a collection from 2009 that is not mine. They are doing this to negatively effect my credit and refuse to validate the debt or give ANY info in the debt. Its clearly being done to harass.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Transunion reinserted old inquiries back onto my credit report. I have sent 2 letters certified mail asking them to remove them. The new inquiries has caused me to have an unfavorable credit rating that is impacting me and my family financially. <P/>XXXX XXXX XXXX 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 10-09-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: {$280.00} dollars were taken out of my account via an ATM in a different city than 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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am in  XXXX  as of   XXXX   XXXX  . As such, I should be afforded all  XXXXXXXXXX  protection from creditors as per the automatic stay. A hard copy of my credit pulled for work purposes ( all three bureaus ) shows a   XXXX   XXXX   XXXX  E account. I never had a cavalry account. there is a memo that states it  may  be a capital  one  account which was included in my bankruptcy.  XXXX  is reporting that it is included in my bankruptcy, as well as is reporting it in collection. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of collections has crushed my  XXXX   XXXX  and needs to removed ASAP. This is double hitting my  XXXX   XXXX  : once for being in bankruptcy and again for reporting me in collection. THIS REPORTING IS ILLEGAL.  XXXX  reports : Collection as of   XXXX   XXXX   to   XXXX   XXXX     XXXX   XXXX   to   XXXX   XXXX     and Filed Chapter  XXXX    XXXX   on   XXXX   XXXX   XXXX  . This information is inaccurate. My wife and I filed for bankruptcy protection on  XXXX . Our Chapter  XXXX  was converted to a Chapter  XXXX  and is still open.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Beginning in XXXX, Navient cancelled a reduced rate discount on my account. I contacted XXXXOmbudsman to outline the facts, provide proof. Navient is wrong & intractable ( denies facts ). 

Since then I became unemployed & have filed Unemployment & Hardship Deferments, as well as a complaint letter to Navient & a form to consolidate all loans. Navient delays processing these items, is obscure about the process, & maintains a website that is difficult to navigate. 

I 'd like all benefits restored, all obligations bundled into one, & loan conditions and schedule that I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit reporting () with EQUIFAX, INC. (NE).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a printed credit report from Equifax and it appears to be correct. However, I first attempted to request a credit report online, on their website, the security questions did not pertain to me, therefore, I was unable to get a direct online report and had to request the printed version. I understand that Equifax provides the security questions for the Social Security online site also. Because those SAME security questions do not relate to me, I am unable to create a SS online account. I have tried several times to create an account and been locked out multiple times. Phone calls to both my local SS office and the national XXXX number have been of no help! Now I am wondering if someone has used my SS # to access a loan or was the information just recorded incorrectly. If this matter could be corrected, it would be VERY helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I cashed a check from my own company. I loaned my business {$3000.00} from another bank to cover payroll. When my bank reached over 10K, I wrote myself a check to cover the the loan and additional money for business expenditures. I went to the bank directly and cashed the check for cash since I know BOA tries to charge and hold monies for everything they can to help incur overdraft fees. When I cashed the check, I immediately saw it come out of my account on the mobile app with over $ 4K to spare. My husband, did not know and thought an employee cashed a check and ordered a " stop payment. '' We were never credited the money since the check was deposited at the bank for cash. 
However, 12 days later the whole account changed. It never showed the check I cashed like it did the same day I cashed it and yet they tried to say money came out that never did because my XXXX and XXXX XXXX never got their ACH debits. BOA lied trying to reap {$5800.00} which they decided to remove 12 days when they saw my account hit a low of approx. {$100.00}. BOA is cold busted on this one since there a no people involved ( hearsay ) but my self ( the debitor ) to my own business. 
Please lets bring thieves that change statements from one day to another to suit their stealing from the client. Young people are app savvy and we can see it all. Please help the small nonprofit businesses helping poor communities to eradicate this greed in humanity.

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 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I submitted a dispute last month as well as this month in regards to my account with Portfolio recovery I do not agree with the charges and it said it came back verified. This was a secured credit card meaning I self funded it. I increased my limit and the amount due should never been more than the credit limit. I advised XXXX XXXX when the charges originally posted that it was invalid they said they would dispute with the company and next thing I know it was sent to collections for the full balance. 

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
2. What is your authorization of law for your collection of information?
3. What is your authorization of law for your collection of this alleged debt?
4. Please evidence your authorization to do business or operate in this state.
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.
6. Please provide a complete account history, including any charges added for collection activity.
You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Starting from the date this company has purchased my mortgage, they have a practice of taking my extra principal payments and placing the amount in suspense, thus depriving me of the interest reduction on my loan. They hold my money free of interest and do who knows what with 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 09-10-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax previously made changes to this account and without merit, please see the associated case number. 

Equifax is making changes to my credit report without any trace-ability, and failing to publish or notify me of their decision to continually and manually, update my record. 

As a result of Equifax updating this account, the ACCOUNT TYPE has become inaccurate. 

1. This is a XXXX XXXX - XXXX Account - Credit Card. 
2. Equifax updated this to be a XXXX Card, and with no substantiation3. Attached is the screen shot of the before, and then after state of this account4. Changes ( including changes to text and the account type XXXX have been made by Equifax1. Equifax, please revert this account back to it accurate assignment for the ACCOUNT TYPE2. Any Changes to this record, please respond in line with FCRA and send me by way of XXXX XXXX Mail, such results/reasons for your change.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Google Compare Credit Cards Inc. (NJ).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I tried to get credit for XXXX XXXX and they turned me down because there is a security Freeze on my account for my protection. They flat refuse to recheck my credit. Then XXXX refused to provide a credit report based on the Date being today that Google rejected my credit application, XX/XX/2017 as invalid date for requesting a credit report for an adverse action taken against me as I was notified instantly by Google that I was refused credit and need to pay full price for a cell phone, and XXXX instantly refused to provide a report indicating why. Both Google and XXXX credit reporting agency are at fault here.

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 11/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with NRA Group, LLC (RI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: My name is XXXX XXXX, last $ of SS : XXXX. I saw that I had XXXX debts on my credit report. It has been over 30 days since I have been trying to get the debts verified. The XXXX debts were from XXXX and they are now with National Recovery Agency. 
Every time, we reach out to them, they have different information. 
My credit repair consultant sent them a letter yesterday after being rushed by someone who did not want to help. 

Here is a copy of the letter : Please receive letter and supporting documents of Validation of Debt Request for accounts listed above that we already sent to you on XXXX/XXXX/2015. We called on XXXX/XXXX/2015, a representative stated that your company will send the validation of debt within 2 weeks. We called back again on XXXX/XXXX/2015, another representative stated that the file was still with the compliance department. We just called back and spoke with a representative named XXXX who did not take the time to verify any information or asked any additional question but just told us that you only verify information through fax and rushed us to hang up It is very frustrating that the 3 times that we called that we have received different information and that XXXX would not even take the time to gather appropriate information, even after we clearly explained to her that last time they told us that the file was with compliance and to call back within 2 weeks. 
It is either that you are not able to verify the debt or your associates are poorly trained. Either way, per the FCTA, you had 10 business days to verify the debts and it has been one month. 
So, you have 24 hours to verify the debt or send a " pay per delete '' letter ; otherwise, we are submitting a complaint to the Consumer Financial Protection Bureau in regards of your inappropriate care and service to our client. 
If you are not able to validate debt, please send " Pay Per Delete '' letter to : XXXX XXXX XXXX # XXXX XXXX, RI XXXXEmail : XXXXXXXXXXXXThank you for your cooperation and your help.

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 09-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: There is a company named XXXX XXXX XXXX on my Trans Union Credit bureau several times and have not received any results and remains on my credit report. I filed a complaint with CFPB on XXXX/XXXX/2016 case # XXXX and with XXXX on XXXX/XXXX/2016 case # XXXX, and XXXX states the company will not reply. XXXX Concepts is a scam company or not legitimate company. I have spent months investigating this company and it appears the FBI and FTC are as well. My problem is that I have submitted several documents to Trans Union asking for a detailed verification, and provided the company with information supporting my dispute and how this company is not legitimate and it remains on my credit report. I work for the IRS and part of there investigation is a background check with your credit report. This account remains on there and needs to be removed. I personally have exhausted my efforts so I am retaining a attorney that specializes in suing for FCRA credit reportings that are not valid. I am notify this organization so you will be aware that Trans Union is not following the laws that are in place to protect the consumer. The collection agency XXXX XXXX is still harassing me with calls and is still reporting on my credit bureau. Where is the justice? How can a company that is fraudulent report on peoples credit report and there is a investigation on trying to find this company and while this is happening this account is still reporting on my Trans Union credit report and nothing has been done to fix this error. Here is a list of what I have done so XXXX Mailed XXXX Trans Union XXXX XXXX dispute letter XXXX Filed compliant with CFPB XXXX Filed complaint with XXXX XXXX Certified mail XXXX and Trans Union ( letter included did not respond to compliant and supporting documents for collection agency XXXX concepts ) XX/XX/XXXX-Certified mail XXXX dispute XX/XX/XXXXCertified mail Trans Union and XXXX Concepts XXXX-Filed compliant XXXX, CFPB, FBI, Texas XXXX 
XXXX-Filed a compliant with XXXX on Trans Union not complying with FCRA XXXX Filed a compliant with CFPB on Trans Union not complying with FCRA

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 07-07-2015 about Mortgage (Conventional fixed mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (VT).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan, serviced by Franklin American Mortgage Company was SOLD to another mortgage company WITHOUT ANY NOTIFICATION to me. 
They sent me my bill due on XXXX XXXX, 2015, and I sent in a check at the end of XXXX as usual. On XXXX XXXX ( today ) I got a bill from another mortgage company, XXXX - just a bill with no notification of mortgage sale. That bill is now late. 
I got absolutely nothing from Franklin, and nothing from XXXX, until today, XXXX XXXX. I called Franklin to complain, they said XXXX letters were sent out on XXXX XXXX, XXXX and XXXX. I DID NOT receive ANY of these letters and the customer service person suggested I check if there was a problem with my mail? That sounds fishy to me. I receive all my mail, I open it all, and ESPECIALLY if mortgage-related because I 'm aware that a sale can happen at any time. 
Franklin needs to take responsibility for their failure to notify. This is unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Protection Association, L.P. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I moved out of an apartment in XXXX in XX/XX/XXXX, where I was going to school, and took in all of the cable TV/internet equipment, and discontinued the service. All billing was paid timely. 

Many years later they are sending bills and have placed a collection item on my credit report. 

My permanent address, my telephone number, my email have not changed since XX/XX/XXXX. If they would have sent anything at the time, I would have eagerly worked to resolving or paying. 

They wait all of these years, until the records are all unavailable to throw this bill out there. They have offered nothing to validate this ; when asked, they simply send a letter saying the amount owed. 

If there are others with this same problem, I would like to do a class action lawsuit. Not for money, for relief. Companies should not be able to just bring up a 6 year old list of customers and send out bills to them, and not have to provide any documentation whatsoever to back them 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 08-05-2016 about Credit card () with U.S. BANCORP (WI).
Issue: Delinquent account

Complaint: I am delinquent on XXXX credit cards with US Bank. My only source of income is direct deposit to my US Bank checking acct. of Social Security. I am paying what I can each month after I pay my mortgage and utilities. US Bank has me on their " dialer service '' for both my home and cell phone. From XXXX thru XXXX they called me from XXXX letting it ring twice ( 14 times ) & then hang up. On XXXX, I called and spoke with XXXX and she advised she would take me off the " dialer service '' and have a supervisor call me on or about XXXX. I advised I was scheduled for XXXX on XXXX. Admission and discharge charge records are available if needed as proof. From XXXX thru XXXX, I received XXXX calls ( XXXX ring hang-ups ) on my home phone. From XXXX thru XXXX, I received XXXX calls ( XXXX ring hang-ups ) on my cell phone. I want these harassing calls to stop. I am aware of my debt and will continue to make payments on these credit cards. Their constant calls serve no purpose other than harassment in my opinion. If there is n't a law against this type of harassment ... there should be.

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 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUN LOAN COMPANY INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Sun loan companyXX/XX/XXXX {$570.00} XXXX XXXX XX/XX/XXXX {$170.00} XXXX XXXX XX/XX/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