milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2016 about Bank account or service (Checking account) with U.S. BANCORP (MO).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX at XXXX I deposited a cashier 's check for {$28000.00} into a US Bank joint checking account with my name and my wife 's made out to my wife from a trust in her name. She endorsed the check. Our intent was to transfer a portion to our other checking account for which we had checks to pay our flooring contractor. Our funds were not made available until XXXX XXXX. I wrote a check XXXX XXXX and it was returned as an overdraft on XXXX XXXX. We have been customers for years and our accounts were established more than 6 years ago. I requested my local branch to credit my account the over draft fees and they asked me to call the branch at which we initially established the accounts.

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 10/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Last month, I filed a dispute with Care Credit, under XXXX XXXX due to my being charged for services I did not receive, fraudulent advertising, as well as the advisement of my primary care physician informing me that engaging in treatment would work against my health. Care Credit/XXXX XXXX did not conduct a complete investigation into my complaint. I was told over the phone and per their own policy, I can not be charged for services I never received - per the company 's own policy " Serve not rendered ; a " no refund '' policy where not services/products were rendered is not an acceptable reason not to process a client refund. However, when I received the determination of my dispute, Care Credit/XXXX XXXX went against it 's own policy. The credit agency 's dispute system is not a valid one - which goes against what the company promised me ; resulting in my good faith to engage in an agreement with Care Credit/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 monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax data breach, I was alerted that my information may have been impacted. I am still in the process of tracking down the severity and taking precautions so the breach does not escalate. 

( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
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: XXXX Account number beginning XXXX appears on all 3 credit reports as purportedly " late '' with a payment in XXXX XXXX. That is inaccurate. At the time, I requested a new closing date on the XXXX account to coincide with other closing dates such that I can make payments to all my credit cards at one time instead of scattered through a month. I was informed by phone that the closing date was changed, and payment was made by the new due date in a timely manner. However, it was n't until one month later that I was informed the payment made in XXXX XXXX for XXXX XXXX was considered " late '' because the new closing date would not go into effect until the following month, i.e., exactly the opposite of what I was told by phone. The problem with the credit report is that there is no way I can " prove a negative '' in the sense that it was a recorded conversation and you will see form the XXXX records that a closing date/due date WAS in fact changed, leaving that as my only evidence. However, I do not believe any of the the 3 credit reporting companies investigated this properly, took XXXX at their word with no evidence of the recording ( which XXXX tells you at the beginning of any customer service conversation is recorded ), thereby leaving me to no fair opportunity to properly dispute the so-called late payment or prove it is incorrect. The account has since been closed and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello My name is XXXX XXXX XXXX I am XXXX and my birthday is XX/XX/XXXX. I recently decided to check my credit score because I have been working on paying off my credit cards and bill I have accumulated when I was unemployed. Now I am from XXXX, NC born and raised and I have never lived anywhere else outside of NC at all I went to College in North Carolina. I have incorrect information on my credit report of me living in states I have never lived or even visit and phone numbers that I have never had now this same issue came up when I was applying for my XXXX Debit card I had to send in identification because of those same things on my credit that do not belong to me I am trying to get my credit right and this is not helping at all and I also see inquires on my credit from credit cards I never even applied for and things I never even heard of now I only have XXXX credit cards XXXX and XXXX XXXX XXXX which is closed and One student loan that is open but in forbearance, XXXX account that is closed but I make payments on now only inquires I should have should be XXXX and XXXX XXXX XXXX I have been checking on my credit and getting notification with credit Karma now I decided to try the annual to see if it would show the same because I get notifications every time anything changes now I see this on Experian and its incorrect and I would this to be fixed please because I do n't not want things I never did or applied for to be following me around on my credit that is not right even my student loan people had my address in CA and I had to correct them and tell them that is incorrect I when to school in XXXX NC and XXXX NC which is the only time I every lived anywhere else for school and I had my own place in XXXX at XXXX XXXX which is correct but anything outside of NC is wrong and I never had a car loan my car has been paid off since I was XXXX and I never had I mortgage and I have only had XXXX jobs in my life since I have been working XXXX XXXX, XXXX XXXX and the job I am currently at now. If you could please correct this information I would greatly appreciated I can be reached at XXXXXXXXXXXX if you have questions or if I need to submit proof because I keep all paperwork for everything.

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 01/26/2017 about Prepaid card (Mobile wallet) with AMERICAN EXPRESS COMPANY (PA).
Issue: Unauthorized transactions/trans. issues

Complaint: Greetings, AMEX Card # XXXX Case # XXXX I am writing to you in behalf of Fraudulent charges made on my Prepaid American Express Card. I have lost over {$4000.00} on this card but only have the proof of {$1800.00} because the account was closed. I have provided this documentation. It was an 'Account to Account ' transaction with apparently Fraudulent names and numbers. On this Day I had a direct deposit hit at midnight for aprox {$1200.00} and also had a deposit the week prior and in the mean time uploaded {$1500.00} plus the other the funds that were in the account. I have Filed a police report ( XXXX XXXX PA Case # XXXX ) and went to my local magistrate to file a civil suit which is on hold. I was advised it would only to be a loss of time and funds without an Attorney and taking it to another level with a high instutution. Half of these transactions took place while on the phone with American Express Serve while they changed my Password and Email multiple times with mo luck of stopping the Fraudulent process. Amex told me the process would be " expedited and would have the funds returned in 3-5 business days '', 10 days being the max ''. I called after4 business days to ask where they were in the process only to find that they were still looking into it. One hour later I received an email stating that my claim was unfounded and they were closing the account. Please see the attached documents. This money was to last me until the next section of the project was to be billed in which I 'm still 6 weeks out, I have children and have bill and will be unable to keep our home if American Express does not take care of this matter immediately. I have attached the initial form to file a Civil suit which has the card/account number and the Police Case number. Obviously this is a very serious matter. I have reached out to the Pennsylvania Dept. of Banking and the F.C.C. and have been directed to you. 
Thank you in advance. If I can be of any help please call me or write me. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/27/2016 about Consumer Loan (Installment loan) with MIDCOUNTRY FINANCIAL CORP (IL).
Issue: Taking out the loan or lease

Complaint: On XXXX XXXX 2016, XXXX placed an account on my credit file which i did not recognize. The account was from a company called heights financial corporation.I immediatetly researched the company and loan in question. Obtained. Their Phone number and address. I called and spoke with a representative and explained the reason im calling. They put me in contact with a senior representative spoke with a XXXX XXXX again explaining the situation she researched in her company files is my name, social security number and address that matched any accounts in my name. The research camey up negative she immediatly responded that i doo not have An account with them and werey suppose. To give me a letter stating i have no account in my name to send to the credit Bureau. 
2 days passed no letter i spoke to a XXXX she claimed that maybe im mixing up her company with another company. I immediately emailed her the name. Of her company address and city they are located. XXXX immediatetly confirmed the information i send that it was correct. But, still claims its a mix up. Since i last spoke to her XXXX/XXXX/2016, the company has not contacted me about my issue and no evidence they are trying to resolve this matter furthermore no letter i requested. My credit score is suffering and Heights Financial corporation is giving me no support and a cold. Shoulder. They are not helping me and in need of some. Organisation to help, Please help me resolve this issue.

Company response to consumer: Closed
Consumer complaint received 05/24/2015 about Debt collection (Auto) with DriveTime (AK).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX XXXX is a dept collector at drivetime, he has sent text messages threating repossession using a phone app which leaves .he leaves Anonymous text. He also leaves messages to references comitting third party disclosure messages to references

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I Was In A Chapter XXXX Bankruptcy When Nationstar Purchased My Mortgage. Nationstar Failed To File The Proper Doc. With The Court So The Court Held Their Monies For 10 Month Until The Docs. Were Filed. At Such Time The Monies Were Released And Nationstar Was Paid Current. Upon Exiting Bankruptcy Nationstar Informed Me I Was 10 Months Behind. I Obtained Court Docs. And Bank Statements Proving All Payments Were Made. They Still Said I Was Behind And Proceded With Forclosure Till I Signed A Loan Mod. Which Was 40 yr. I Only Owed 15 yrs To Start With.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 'm writing in regards to a response received for a dispute filed with Experian. I have been disputing for several months now information on my credit report regarding XXXX creditors - XXXX, XXXX and XXXX. Experian has responded with only comments regarding XXXX ( XXXX ) of the XXXX creditors I have addressed. They have completely ignored the XXXX other creditors. With the XXXX creditor ( XXXX ) they did address, Experian failed to address what I was inquiring about. They simply stated the grantor has verified it 's accuracy and this was previously disputed. They did not address the specific question I asked about. I was not asking for verification or accuracy. My specific issue stated I consolidated XXXX loans, per the loan consolidation features, the loans that were consolidated should show a XXXX balance ( which it does ) and payment history removed. This has not happened, and was not addressed by Experian. Secondly, XXXX of the creditors ( XXXX ) is incorrect. The lender for that account is not XXXX. I even contacted XXXX, provided my SSN and they are unable to locate anything in my name with them. On this alone, this should be removed, but this was completely ignored by Experian. 
In summary, XXXX is incorrect, and was ignored by Experian. XXXX was ignored. XXXX was addressed but Experian did not address the specific reason I 'm disputing it. 
I have attached a copy of my letter sent to Experian as well as their response. Also included is my identity verification. 
Thank You, 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 non-monetary relief
Consumer complaint received 08/26/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My organization was preliminarily approved as qualifying for the XXXX XXXX XXXX XXXX program. Later, FedLoan Servicing rescinded the prior approval, saying that my organization did not actually qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (TN).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I need to have the major credit bureaus update my information as it is not complete. There are many accounts that are part of my credit history that do not show up on the various reports. Also, some of the bureaus do not show my prior address, where Iived for a number of years and had mortgages. I want to have my credit files show my full credit history, but they do not show all of it. When I try and file a dispute the credit bureaus want to know what account I am disputing ... but that account is not in their report. So there is no way to dispute it online. Can you advise me on how to get my prior address to show on my reports when I no longer live there and creditors only report my current address? Also, how can I have older closed accounts that show my credit history show up on my report? Example : XXXX has my addresses correct and most of my older accounts, but XXXX and XXXX and Innovis do not. If XXXX could share these records with the other bureaus my information would be more correct.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Debt collection (Medical) with Franklin Collection Service, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Franklin Collection Service Inc has listed the same account 2 times on my XXXX credit report stating I owe them money from XXXX. 

This debt does n't exist. I do n't owe the Dr. office any money they are " supposed '' to be collecting for. They are trying to collect on debt that does n't exist. 

Also the Statute of Limitations in South Carolina for open and written contracts is 3 years. This non existent debt is pass the statute of limitations. Plus it does n't exist in the first place. 

Franklin Collection Service Inc is in of violation the Fair Debt Collection Practices Act and in violation of the Fair Credit Reporting Act for actively trying to collect on a debt that does n't exist and actively trying to collect on a debt that is pass the Statute of Limitations. And for knowingly and willfully listing inaccurate information on my credit report. 

XXXX. Creditor : Franklin Collection Service Inc Account Number : XXXX 2.Creditor : Franklin Collection Service Inc Account Number : XXXX Please make Franklin Collection Service Inc delete these XXXX accounts from my XXXX credit report

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax security breach. Credit has been compromised

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (OH).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I tried to close all my accounts with Wells Fargo, but when it came to our checking/savings acct. I went through a week of calls trying to get them to close it. They said the amount of money was to high ( {$330000.00} XXXX so we sent a notarized letter with all the acct info they required. 

After over 24 days we still have not heard from Wells Fargo nor have we got our money from this acct?

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 02-06-2018 about Checking or savings account (Checking account) with KEYCORP (PA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I checked my account on XX/XX/XXXX to check if bills paid went out. No fees. Incurred a overdraft fee on XX/XX/XXXX, identified on XX/XX/XXXX. Deposited funds to cover the overdraft on XX/XX/XXXX plus additional funds to cover another automatic payment. Per the Deposit Agreement with KeyBank they change the posting order of automatic payments and created an additional overdraft charge even though I went to bank and deposited cash. How is that fair, to charge two overdraft fees when there should only be one? I never picked KeyBank to be my bank I am just the unlucky person who started with a bank that was sold twice but this is completely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Credit decision / Underwriting

Complaint: My home was totally destroyed XXXX and as a result have been displaced for the last 3 years. NY State will be purchasing the property from us so that our family can get back on or feet again. We are prevented to enter a closing due to the fact that Ocwen is refusing to produce a satisfaction of mortgage with XXXX who was bank before Ocwen took over. This has been going on for about a year now and each month that goes by I have to pay property taxes of about {$2000.00} a month. About a week and a half ago I spoke to XXXX XXXX at XXXX she promised me she would call back in a half hour. I have not heard from her since and she is not returning my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Late fee

Complaint: My Bank of America card set up for Automatic payments on the XXXX of every month of {$100.00}. From XXXX - XXXX of 2015, I have been charged Late Fee. I contacted their customer service and they indicated I was a day late every month. I tried to explain that would make me 29 days early every month. 
The customer service rep told me " NO '', I was late every month and being charge a late fee. These late fees of {$25.00} - {$37.00} for 6 months should be refunded to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/19/2017 about Checking or savings account (Checking account) with ZIONS BANCORPORATION (CO).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: This complaint is ongoing with Vectra Bank. After I closed my account, I went online to get my info from bill pay for my new account and noticed that the payment in question had been put back into my account, which I had closed! How does that happen, I spoke to XXXX XXXX several times. She told me that the payment had come back to Vectra because I closed the account.However she could n't release the money to me. I am still waiting for a check from Vectra for {$170.00}, but I have yet to receive it. I called her again and was told that the check was mailed out that day, Tuesday the XXXX? I think that they are holding the check because I filed a complaint.

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 07/15/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have lived at XXXX XXXX XXXX for XXXX yrs there r judgements on my credit report from different addresses that I never and couldnt have lived at. These do not belong to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Debt collection (I do not know) with Focus Holding Company (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I got a call from the number XXXX saying "this is an attempt to collect a debt on my name from Focus Receivables Management" and that I should call back at that  number.
I know I  do not owe any debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I do not know why this company is calling me. The company name is Portfolio Recovery and their number is XXXX. They call me every day, evenings and on weekends. I do not answer the call because they never leave a message. I looked them up and they are a debt collection agency. I have excellent credit and do not owe anyone a payment that is delinquent.

Company response to consumer: Closed with non-monetary relief