milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-06-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, XXXX SunTrust XXXX branch rep XXXX XXXX opened a personal acct for me, I clearly told her to put promotional code on the new account with {$200.00} bonus. I also asked her to print out promotional offer for me. I have email confirmation showing the account was enrolled in promotion on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I had more than {$2000.00} direct deposit came into my account which qualified the promotional offer requirement. This Rep told me it takes about XXXX weeks to get promotional bonus. Now it 's been 5th week after the account met all promotional requirement. However when I contacted the customer service, I was told emailed that no promotional code listed on my account. Also when I checked the promotional status of enrollment, it shows not qualified. 
Same as my business account. On XXXX XXXX, XXXX XXXX XXXX opened my business account and handed me promotional offer. I have email showing business acct was enrolled in promotional offer on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I enrolled in XXXX XXXX which qualify the promotional offer. However she blocked my enrollment for 20 days until XXXX XXXX, XXXX in order not to pay {$400.00} promotional bonus. On XXXX XXXX, XXXX she told me it takes 4-6 weeks to receive {$400.00} promotional bonus. Now 5 weeks passed since acct met promotional requirement. But enrollment shows not qualified. 
At this branch, I experienced terrible services and harassment. Such as missing deposit on XXXX XXXX, XXXX ; Cancel account on XXXX XXXX, XXXX ; Blocking online banking on XXXX XXXX, XXXX ; Blocking other features on XXXX XXXX, XXXX ; Blocking enrollment of Online Cash Manager for 20 days ; Violation of customer privacy to copy Deed and Settlement sheet to obtain physical address which against my will on XXXX XXXX, XXXX ; Repeatedly let customer sign same document 6 times ; Extremely bad attitude and harassment at branch on XXXX XXXX, XXXX and other occasions ; etc. I have filed 3 complaints just within 10 days of account opening with this bank regarding all these listed issues. 
I am asking {$600.00} promotional bonus to be received immediately since all requirement were met. I also ask this bank to delete all my personal information to close the accounts AFTER I RECEIVE MY DEPOSIT AND THE PROMOTIONAL BONUS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Chase is unable or unwilling to correct an error of their doing in my HELOC -- an account I 've had for over 12 years -- and never a problem at my end. Despite a letter from XXXX corroborating what I 'm saying and explaining repeatedly, plus emailed to them repeatedly a copy of the XXXX letter with the explanation and reference numbers, Chase bank is now harassing me with documents. I 'm at my wits end after talking to over 15 people one person more detached than the one before. Why ca n't one person fix the issue and apologize for putting me through this endless torture.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Blitt and Gaines, P.C. (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Filed numerous false statements in response to CFPB complaint number XXXX. They provided no evidence to back up their statements or allegations as was requested in my complaint. 
They made a false statement to the CFPB that I called their office to split my XXXX 2015 payment into 3 payments and then I did not pay the final payment after that and that they were unable to get in touch with me. 
Blitt and Gaines REQUIRED me to provide my bank account information to them so that they could withdraw money from my bank account. 
Blitt and Gaines provided a settlement agreement in writing CONTRARY to what they REQUIRED me to do. 
Blitt and Gaines ILLEGALLY AND WITHOUT AUTHORITY that they CAN NOT CAN NOT prove withdrew unauthorized amounts of money from my bank account. 
Blitt and Gaines added legal fees to my account that they can not substantiate. 
Blitt and Gaines NEVER sent me an original right to dispute letter and NEVER contacted me that I owed any additional unpaid funds. 
I could NOT HAVE OWED UNPAID FUNDS SINCE THEY TOOK OVER MY BANK ACCOUNT. They told me I had to have money in my account at all times and they would withdraw the money. 
They NEVER sent me a receipt. 
They NEVER sent me proof of what I owed. 
They NEVER sent me ANYTHING from XXXX XXXX to show that they had the right to collect, and or that the money I paid ever actually was paid to the XXXX XXXX people. 
I have previously filed a complaint here. I previously have filed a complaint with the state of Illinois Attorneys Review and Disciplinary Commission.. Blitt and Gaines has been unable to substantiate anything they are alleging and should be prosecuted to the fullest extent of the powers of the government including false statements and seizing unauthorized property, putting nothing in writing to seize the property, and providing no receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: I want to report Bank of America for its ethics. I have had accounts with them for a long time. In XXXX of this year I transferred a high balance account from XXXX dept. store for a lower interest rate. When I investigated why my balance never seemed to change, the woman at the bank told me my interest rate was 24.99 %. This is higher than the balance transfer from the department store than I transferred from. After many calls and chats with the bank, they told me that 4 years ago I had an XXXX XXXX card and charged {$3000.00}. with that interest 24.99 %, I have no recognition of that. I never had a card to use all these years with that number. It could be true, but I sincerely do n't remember. 

He said they have XXXX interest payments for different transactions on my account. They have been charging this interest rate for 4 years. When I applied for the loan to pay off XXXX dept. store, they broke it up in XXXX accounts. The highest balance was put on the 24.99 % loan. After 4 years, I still owe {$4600.00}. at that rate, I was paying back about {$1.00} a month. I called them several times and, since I have XXXX loans with them, the XXXX loan has an interest rate of 9.9 %, the other is 0 % interest until, I think, XXXX of 2016. I begged them to lower the interest rate to 9.9 % since they have never contacted me to let me know of any promotions to lower the interest. I was too stupid to monitor it until I realized that the amount was never going down and the XXXX interest was less then BOA is charging me. At this rate it will take me 20 years to pay it off paying the minimum. 

I will be XXXX years old in three months. I live on SS and XXXX small pensions They refuse to lower the interest. Are banks regulated? They charge what they want to charge and have XXXX way system of charging you interest. They never tell you that. If you are late, they charge you a {$35.00}. late fee. If you can not pay on time or have no money, what makes them think that adding {$35.00}. will help the person. They refuse to help me unless I was homeless. I have spoken to several people at the bank. I made a partial payment last month in protest of the high interest that I never knew was that high, and paid my other XXXX. Now my credit score is impacted with this and all the other debt I am in. I wish SS would increase our money 24.99 % but they do n't. I think someone should look into the dishonest practices of Bank of America. These banks are under-handed and take advantage of senior citizens. They are cold and unresponsive. They have had it too good for all these years. Is there any way you can help me? I would appreciate anything you can do to help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: while looking at my credit report today XXXX XXXX, 2015 via experience I noticed a credit card opened on XXXX 2015 for chase Bank, with a total amount used of {$450.00}. I did not apply for a chase credit. 

Please let me know the next step via email : XXXXXXXXXXXX or cell XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2018 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Struggling to pay mortgage

Complaint: Hurricane Harvey caused a hardship. We lost our company and called Bank of America on XX/XX/XXXX to see if they could help me. On XX/XX/XXXX, XXXX XXXX said she had good news for me. Since after a national disaster, it would be hard to pay 3 payments at once so XXXX XXXX was letting me pay these payments at the end of the note. Then XX/XX/XXXX, I received a letter from XXXXXXXX XXXX  that Bank of America sold my mortgage to them and they expected almost {$9000.00} the last day of XX/XX/XXXX. They told me Bank of America did not send an agreement like the had told me I had. I am attaching a description below.

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 05-10-2016 about Credit card () with BARCLAYS BANK DELAWARE (SD).
Issue: Balance transfer

Complaint: Barclays bank took {$9700.00} from me and instead of paying off my Barclays account off, they sent the money to XXXX XXXX XXXX and paid that amount on the card I had there. I contacted them several times and told them what had happened. They investigated and sent me a refund check in the amount of {$9700.00}. After several weeks and additional conversations with them, I cashed the check and sent them a payment of {$9400.00} to pay off my account. After a few days, Barclays stopped payment on the refund check. This caused my checking account to be overdrawn by several thousand dollars. I contacted them to ask them what was going they said we stopped payment on it because that would put them in the hole because XXXX XXXX XXXX has the original money. They never contacted me to tell me that not the cash the check. I held it for almost a month. I asked them why they sent the refund check in the first place, I never asked for one. They had no answer for that. I talked to a Supervisor ( XXXX ) and he said that they really messed up. Also, he said the only way I would get the money back was to get XXXX XXXX XXXX to refund me the money. I told him why would have to do that. It was n't my mistake. Barclays should be asking for that money back. They have done nothing in the last two days. I 'm now short {$9700.00} dollars.

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 05/20/2015 about Debt collection (Auto) with PORTFOLIO RECOVERY ASSOCIATES INC (WA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Had XXXX financed in XXXX XXXX, lost job and defaulted in XXXX XXXX. XXXX never sent documents for auto auction as required by state law, and never sent statement of charges after auto auctioned. I requested those statements as they sent in a letter to request, but they misrepresented the repo when I wanted to do a voluntary repo, so they knew I was going to dispute the charges. Also, they auctioned the car at wholesale and not retail, which was the contract I signed with XXXX XXXX at the time. 

They never billed me after auction, It was turned over to collection in XXXX XXXX have letters XXXX. Eventually, Portfolio recovery took over the debt, and kept calling without verification. They admitted the documents were missing, and through XXXX, the state of Washington allowed the debt to be invalidated, and the original creditor sued. Every call claimed to be with the legal department, but they sounded like a script, and they never said my last name correctly. 

They did not listen to my complaints, and that I wished to dispute the debt. They sent forms out for disputing for fraud. They never sent validation documents as requested, they said the settlement letters they sent was their method of validation. I lived in XXXX until XXXX XXXX, and had different phone numbers. When I moved to XXXX, I changed all my numbers, including cell phone. 

The original creditors never had this cell phone number I have now. The statue of limitations was up on this debt in XXXX XXXX. I successfully disputed the debt on my transunion report, and the repo was removed from the credit file. I did n't bother with any more disputes, the collection and original debt fell off the report, and by Washington state law, I do not owe this debt due to illegal repo practices in XXXX. 

I have told portfolio I do not wish to speak with them on the new cell phone number. They found it by continually soft pulling my credit reports ( they used to hard pull every month, but about 2.5 years ago, this changed to soft pulls ). They keep changing their phone numbers, I save them all under XXXX ids on my phone. They do this because people block the numbers. They also have every states area code, and are still doing auto dialing via this method. The phone rings XXXX and hangs up. You can only call back. 

It is against the law to auto dial after permission has been revoked. They insist on breaking the law to try and get money they are not owed. It is not my fault they bought the debt. They keep trying to get me to make payments, and reset the statue of limitations. They insist I write a letter to stop the calls. But they do n't have a legal purpose to call the new cell phone number. Skip tracing is harassment. I need them to leave me alone, I will never pay this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I 'm submitting this complaint because my rights under the FCRA and FDCPA have been violated. I have been disputing since XXXX and not even once have I received the requested documentation, procedure information, method or anything else other than form responses saying these items have been " verified ''. 

I am attaching XXXX XXXX TRANSUNION XXXX, wherein Congress specifically states in no unclear language that the burden of proof is on the CRA 's and creditors - NOT the consumer. So how can they " interpret '' this to mean that I 'm the one that needs to provide any proof whatsoever when they 're getting paid to report these accounts? 

The entire point is that they 're required to report these accounts ACCURATELY AND COMPLETELY and that all accounts must be verifiable to stay on my credit report once I dispute them. My dipsutes have never been frivilous and therefore, they can not send anything stating that they will not investigate further without information from the creditor or the court because that is a direct violation of section 1681 and what Congress stated above. I would not be in this situation if they had done their job to begin with and gotten rid of these invalid accounts! 

For example, TransUnion is reporting XXXX XXXX that states there 's a monthly payment of {$490.00} on a CHARGED-OFF ACCOUNT. Not once did they send verification of the balance over when I notified them that it 's incorrect. 

for XXXX, they are reporting a monthly payment of {$25.00} on XXXX XXXX XXXX. Once again, this is a CHARGED-OFF ACCOUNT. 

for XXXX, they are reporting ( all 3 bureaus ) XXXX XXXX XXXX which was never verified as mine. They can not report information that is not verified as per the FCRA and section 609 protects me against false reporting so where 's the proof? I disputed directly with that company and my mail was returned undeliverable so exactly how are they verifying this with a company that does n't have a valid address? 

I will not accept a response from these companies stating that my address, name and/or SSN has been verified with the company. NONE of my disputes have requested this information and that is not legal verification anyways. 

I have attached my last 3 months of disputes, my credit report, identification, XXXX XXXX TRANSUNION 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 07/24/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 'm not familiar with this debt and feel it should be removed. is been reporting for over 5 years and they continue to not work with me to remove it. This is hurting my family 's ability to get the financial help we need. Your help will be greatly appreciated. 

I attached the XXXX collections this same company is reporting and they 've sent harassing mail to me. I would like the all removed from the XXXX credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-06-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This is in regards to an alleged  XXXX   XXXX  Credit Card, this has not been handled properly by Midland.     I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with  XXXX . I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNRISE CREDIT SERVICES, INC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have never had any contact with this business. I do not owe this company, never had a signed contract with them. this is on my credit report in violation of 15 U.S.C. 1681. XXXX XXXX XXXX, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. I never received any documentation for the said debt. I am entitled to all documents in regards to this debt before it is reported. my rights were infringed and this needs to be removed as it is not validated and fraudulent. I will contact the state attorney if this is not removed! Please remove this fraudulent trade from all CRAs

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 03/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion is currently reporting XXXX accounts for XXXX XXXX XXXX that the company agreed to delete. I filed a complaint with Transunion and they have not responded to my dispute. i have also disputed with the company and they are unable to verify or provide any proof that these accounts are mine. i did not open these 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 non-monetary relief
Consumer complaint received 06-05-2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MD).
Issue: Charged fees or interest you didn't expect

Complaint: In  XX/XX/XXXX , my husband and I applied for a loan with One Main Financial located in  XXXX   XXXX , MD. Since having the loan, we have made a numerous amount of payments on time and when my husband was laid off, we requested to have our loan deferred . One  way or another, since having this loan, as of  XX/XX/XXXX   , only {$1000.00} has been applied to the principal and the representative said that if we paid in full today, our total balance due would be {$13000.00}. We borrowed {$15000.00} a few years ago and have made payments totaling over {$7000.00} since having this loan. Our balance should be significantly lower especially since we have paid a significant amount during the tenure of this loan. In speaking with several r eps at One Main, they were unable to explain why an enormous amount was going solely to interest EVERY month. We are in the process of pursuing a civil lawsuit against One Main if the funds that we have already paid is not applied promptly. This issue has been brought up previously and have remained unaddressed by One Main.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX items that are being reported on my credit reports that are identity theft. I just received and e-mail from XXXX that they are not reporting the XXXX accounts that were opened up frauduently in my name. I am waiting to receive an updated report from transunion to confirm this information as last month 's credit report shows the XXXX accounts are still on there. I have been disputing this information for months now with XXXX/equifax/XXXX. I am submitting a complaint because Equifax nor XXXX are addressing this issue and my credit score is being affected due to identity theft.

Company response to consumer: Closed with explanation