milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Asset Recovery Solutions, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a a unverified account from ASSET RECOVERY SOLUTIONS LLC # XXXX. I had previously disputed this account. I have never done business with ASSET RECOVERY SOLUTIONS LLC. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ASSET RECOVERY SOLUTIONS LLC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ASSET RECOVERY SOLUTIONS LLCCease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Equifax is reporting my wife 's birthday, not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XXXX XXXX XXXX provoked a dispute with me in late XX/XX/XXXX. I discovered that even though it resolved in my favor, they continued to mar all three of my credit reports with a statement about it. I asked XXXX to stop reporting it via a phone call in XX/XX/XXXX. They did not. I have detailed what happened under the complaints XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, and XXXX XXXX XXXX - TransUnion. I am complaining again because I was not satisfied with any of the responses. 

In the case here of Transunion, though they corrected the report I continue to be aggrieved because when you review this case why did they do this in the first place?

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 07/18/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My Loan with Nationstar Mortgage # XXXX was modified and my trial payments were on time, I received XX/XX/XXXX statement and my payments went down to {$1600.00}, I phoned the bank and after reviewing they said my escrow was decreased. I made XXXX XXXX payment. Than XXXX XXXX payment came again {$1600.00} was made. My XXXX XXXX statement came and they were requesting {$2100.00}, I called and they connected me with an Escrow specialist, who did not understand what was going on, she than spoke with her Supervisor who also did n't have an answer. I was told they would call me back on Monday, when the Specialist team gets in and they wld review and phone me back. I waited patiently and still no call. I called again and this time a XXXX XXXX XXXX was assisting me. He looked at the notes but did n't have an answer for me, again spoke to his Supervisor and he did n't have an answer. They said they needed to get the top heads on my case cause they were puzzled as to why my Trial payments were higher than my statement payments. Once again I waited patiently and no phone call. Everytime I call I I get someone else and I give name of person who was helping me prior and they never recognize the name because they have so many diff. dept. I called once again and the rep read the notes and told me there was no update on status, but she wld try to figure it out. She said I had an escrow shortage XX/XX/XXXX, mind you I had talked prior to my Town Assessor and they claim that the escrow did not go up that I had to take that up with the Bank. If there was a shortage like the rep claim, should n't all that be put into the Orig. Loan Modification? If so, than why am I the one being penalized for their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (I do not know) with Convergent Resources, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have repeatedly written the credit bureaus disputing this and they say that this is the information being provided to them. This company has never written me, just shows up on my credit reports

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. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information has been leaked in the Equifax data breach, according to their website. It is unacceptable that a company of this size does not have proper security in place to protect consumers. Seeing in the news that their executives sold stock in the company before announcing the breach shows their real intentions are rooted merely in profit and they do n't care about consumers. This has put millions of people at risk of identity theft, including myself. 

This company should not be allowed to operate if they ca n't secure the data of consumers. Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: Bank of America credit card account has been paid in full and resolved but still shows on my credit report as non-payment amount of {$580.00}. I need this cleared from XXXX credit bureaus ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MI).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: Sears Credit Card ( Citi Bank ) with their interst rate. I will never be able to pay. {$220.00} times 2. on XXXX17. and it also affects my credit scores. BEST Buy (. CITI BANK ) INTERST RATES THERE ARE WAY TO HIGH.

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 12/19/2016 about Bank account or service (Savings account) with WEBSTER BANK, NATIONAL ASSOCIATION (OR).
Issue: Deposits and withdrawals

Complaint: I have not received my debit card or checks for my Health Savings Account ( HSA ) from the financial institution, Webster Bank. I 've made XXXX calls to Webster Bank customer service at XXXX confirming my correct mailing address each time and requesting resolution. Still no card. My office called and no resolution. ( I 'm receiving monthly HSA account statements from Webster Bank and all other mail at same address. ) I have a locked mailbox, and have checked with my apartment 's main office, which confirmed they 've received nothing for me from Webster Bank. Contact log with Webster Bank customer service : XXXX/XXXX/2016 : Debit card supposedly mailed XXXX/XXXX/2016. Never received. Confirmed mailing address on file as correct. 
XXXX/XXXX/2016 : Debit card reordered. I was told it would arrive XXXX to 14 business days. Confirmed again my correct mailing address. 
XXXX/XXXX/2016 : I was told debit card was mailed on XXXX/XXXX/2016. Confirmed a third time my correct mailing address. 
XXXX/XXXX/2016 : I was told checks in lieu of debit card would be sent overnight to my correct address. Never received. 
XXXX/XXXX/2016 : My office benefits manager called Webster Bank 's business customer service line and was told nothing further could be done. 
Meanwhile, my prescriptions have all run out, and I have health provider balances I ca n't pay because Webster Bank ca n't seem to provide basic banking services.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit card () with BARCLAYS BANK DELAWARE (IN).
Issue: Rewards

Complaint: On XXXX/XXXX/2016 I had statement cut with a balance of {$28.00} with a due date of XX/XX/XXXX. I believed I had auto payment on from my checking account which I evidently did not. I was charged a {$25.00} late fee and {$25.00} in interest. 
The {$25.00} interest charge is the most troubling since that 's over a 1000 % APR on a {$28.00} balance. 

On XXXX/XXXX/2016 I noticed my XXXX XXXX and XXXX XXXX credit card accounts had been closed when I went to sign in to it presumably for this late payment of {$28.00} on a {$14000.00} credit line. I immediately paid all outstanding charges on both cards including all fees even though I think the interest rate is suspicious. Barclays never notified me cards had been closed luckily I had n't tried to use it since it was, that would have been a very embarrassing moment I do not wish to have my XXXX account reopened, but I would like the {$1500.00} in rewards on XXXX and {$4.00} on my XXXX XXXX card that I saved up for months so that I could use on my trip to XXXX next month to run in the 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 02/18/2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Deposits and withdrawals

Complaint: Navy Federal Credit union preauthorized transactions that closed my account. 
Today as of XXXX/XXXX/2016 I went into the Navy Federal Credit Union to cash a check from another account holder and they refused to cash the check when I am not an account holder by announcing my name so loudly I was embarrassed and stated they would not cash a check from any account holders which was not my account due to in past 6 years or more allow preauthorization transactions to over drawn account ; closed account 6 or more years. I only had bank check from another consumer written to me from their account to cash.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have been battling with Equifax for over one year now with disputing over and over an account that was as a result of identity theft. They claim that it 's been verified but that impossible because I never lived at what apartment that company XXXX says and I was in a different city. So basically Equifax looks like they have a business relationship with XXXX and they get paid to keep items on credit reports NO MATTER WHAT. This is very upsetting, and I hope Equifax 's will try to help some of those people that need it. It 's been over 30 days and I still have not received the procedures for verified account, and they 've been dragging on the past sometimes the 45-day mark. I 've attached a police report and other stuff. That this place said, they needed. 

Thank you CFPB! Please keep finding Equifax for deceptive practice!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This information is incorrect, because a deferment was filed to cover months. And no payments were due. So the negative reporting should be positive You 've paid off 100 % of your student loan amount.

Balance {$0.00} Highest Balance {$26000.00} Monthly payment {$50.00} Opened XX/XX/XXXX ( 11 yrs, 4 mos ) Term 120 months Payment History Youve made 44 % of payments for this account on time.

XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status Current Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Student Responsibility Individual Remarks Dispute resolved ; customer disagrees Worst payment status 120-149 Days Late Times 30/60/90 days late 0/2/12 Closed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have some accounts on my credit report that are not mines. I can not dispute online per Trans union. Trans union is not questioning these accounts just saying they are mines. I have a lot of inquiries I have disputed they wont remove but yet put a fraud alert on credit report. 
Account XXXX XXXX, shows on credit report as a charge off not XXXX but XXXX. Both accounts should be deleted. Both are wrong. 
Account XXXX XXXX XXXX, opened in 2006 should have been deleted due to age of account more than 8 years old and information is incorrect. This account was deleted by XXXX. 
Account XXXX XXXX, this is not my account. 
Account XXXX XXXX, account on this report should be deleted. I have a XXXX for them. ( attached ) Account XXXX XXXX, This account is paid in full not a charge off. 
Account XXXX XXXX XXXX, account not mines and has been deleted by XXXX .

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Credit card) with Blatt, Hasenmiller, Leibsker & Moore, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I pay this debt on XX/XX/2015 to a different collector company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I called the company and they agreed to remove the account if I paid the amount that was settled for and its still showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have submitted numerous complaints. Nothing happens. I recieved a call regarding reporting me 90 and 120 days past due. LIKE I told XXXX before he hung up pn me, I was told in XXXX that it would take 2 weeks for the MODIFICATION. I asked him check the recirded line! He says he does n't believe me! I would n't be hassling this for over a year if it wasn ; t true CHECK THE RECORDED LINE WELLS???? 
Also when I paid XXXX XXXX and XXXX it just kept the late notice going higher and higer. My payments for the modification was never ever ever acknowledged on my Credit Ratings! It looked to the public that I was still not paying. 
This is personal and I will continue to keep this active until the take accountablility from the beginning! 
Im sick of all the hours and time on this. I am very tired of some people being RUDE to me or Hanging up on me. What kind of Bank is this!!!!!!!!!! 
Because you have n't done what should have been donbe pertaining to this modification you have caused me hardship and stopped us from doing anything with our credit. Thats you fault and liability! 

XXXX and XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: Billing disputes

Complaint: I need to dispute a few trans. I am not aware how to on the website. Please hep me out.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: please find attached the letter from the creditor XXXX XXXX, for which they have approved to remove the late negative from my credit report. 
i have already provided this letter to equifax and XXXX. 
equifax does not cooperate and has not removed the late yet, please help me to remove this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: A ) Around XX/XX/XXXX, I opened a Santander checking account # XXXX in response to a Santander Bank promotion that if a customer opens a checking account, sets up a direct deposit and makes two bill payments ; the bank pays the customer {$20.00} each month. I complied with the requirements set forth by the bank until they ended their promotional offer in XX/XX/XXXX. 
B ) On or before XX/XX/XXXX I did two things : 1 ) requested Santander by email to close my checking account, and 2 ) since they could not close the account with an email I called their toll free line XXXX to request that my checking account be closed. 
C ) On my end, I cancelled my direct deposit, paid off any outstanding balances if I owed any ; and considered my checking accounts closed. I also knew that if the account was still open, I would have seen bank charges for non-activity. When I stopped receiving monthly statements and all bank communications it was a clear indication that my Santander account was closed. 
D ) From XX/XX/XXXX to XX/XX/XXXX, Santander led me to believe that my accounts were closed. Up until a week and a half ago I started receiving harassing robo calls and letters from Santander collecting {$170.00} in fees. I asked myself why am I getting these fees now if the account was supposedly closed in XX/XX/XXXX? 
E ) After investigating the matter, I found out that my other bank had incorrectly requested a wire from Santander and since there was no funds on it, the initial {$35.00} non sufficient fee snowballed into {$170.00}. I would gladly pay the amount if I erred on my end, but since Santander did not do what I had requested two years ago why am I responsible for these fees? 
F ) Santander knowingly kept the account open to extort fees. How many of their customers have requested their accounts closed but kept the accounts open so Santander bank can charge these fees?

G ) The harassment that I have been receiving daily from Santander Bank 's collection practices such as robo calls, letters and postcards to remind me I owe Santander {$170.00} and the fees are just accumulating. 
H ) I tried to contact Santander but they make it difficult for the consumer to communicate with a medium like an email that provides an audit trail of the discussion.

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 10/29/2015 about Credit card () with CITIBANK, N.A. (MI).
Issue: Credit determination

Complaint: Recevied a response letter back from XXXX and XXXX credit department on XX/XX/XXXX. They did not address the iusse and they did not answer my question. Now it look like to me they are giving me the run around. On the XXXX first declined letters from XXXX XXXX and XXXX 's specifially states the following reasons were too many public records and they specifially pull my XXXX credit report. I am very aware what is in my credit report files. I ask a specify question ( what is consider too many items on ones public records credit report ) .I fine it odd that when I question XXXX and XXXX credit desesion I am getting the run around. The letter I received from XXXX XXXX and XXXX 's executive office found now states I was declined because of a bankruptcy file XX/XX/XXXX. After I question their first credit decision and asking a specify question which they never answer. On all XXXX declined letters they did not state anything about a bankruptcy on any of the letters. Now, I have a second question ( why XXXX and XXXX refusing to asnwer my first question ). I pointed out and I ask a question about their discriminate credit decision so they just send me letter avoiding the iusse by fining something else different. Yes, it make me feel I have been discriminate against due to where I reside like I stated in my first comlaints.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation