milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I am reaching out to Equifax once again regarding information that was removed and has now reappeared since the breach. I disputed all medical per law in XX/XX/XXXX. Every collection was removed according to law. I check my credit report WEEKLY for any errors or old info that may reappear. Once a consumer dispute an item and it has been removed. I can never figure out why we have to keep checking to be sure it has not returned. It seems as though Equifax would keep record of items they have removed and the consumer does. This is why I dispute with CFPB, because there is always a electronic trail. I looked at my credit report yesterday and noticed a 33 pt drop due to an added old collection that was removed in XX/XX/XXXX.

I disputed this on XX/XX/XXXX and Equifax responded on XX/XX/XXXX with all items removed from XXXX XXXX. Please remove to the original complaint id # XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONLINE Information Services, Inc. (AR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Account was paid off in full still showing as not.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Money transfers (Domestic (US) money transfer) with First Data Corporation (NV).
Issue: Other transaction issues

Complaint: For years I 've never had a problem paying big national chain stores, and local merchants with checks. Two months ago, a company called Telecheck ( First Data ), apparently hired by XXXX, XXXX, and XXXX XXXX began rejecting my checks as, they claim, my check writing pattern is indicative of fraud, though I have never bounced a check in any of these retailers. They are fraudulently representing themselves as having special knowledge when they do n't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2016 about Mortgage (Other mortgage) with U.S. BANCORP (UT).
Issue: Loan modification,collection,foreclosure

Complaint: Property sits on unstable ground and has become un-livable due to shifting of foundation. Owner abandoned property as of XX/XX/2013. Owner filed for bankruptcy and Quit claimed the property to US Bank. Currently the property has accumulated unpaid HOA assessments of {$4900.00}. Property is now a blight in the HOA community with no action by mortgage holder.

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 03/20/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Credit line increase/decrease

Complaint: In XXXX 2014, I requested a line increase to my Bank of America credit card form {$5000.00} to {$6000.00}. Just this week, I applies for a loan and my credit score was extremely low. On my report it shows that my Bank of America credit card showed that I was over my limit and had been for the almost one year. I contact Bank of America and they say that I was never approved for the {$6000.00} increase however, they let me go over my credit card limit and allowed the purchases up to the {$6000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (Credit card debt) with Convergent Resources, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: date XXXX/XXXX/XXXX creditor XXXX XXXX XXXX XXXX original account # XXXX convergent account # XXXX original creditor XXXX XXXX XXXX  amount owed XXXX total balace 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 06-02-2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. At this point I am entitled to statutory damages, as they continue to report this information and that is highly damaging to me. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. 

Under federal law, I could hire an attorney to sue them at no cost to me and ask for {$1000.00} in damages, since credit bureau reporting is considered a collection activity and have failed to provide legal documentation that they are reporting this account 100 % accurate.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: XXXX opened an account in my name that I didn't authorize and Wells Fargo accepted it on XX/XX/XXXX. XXXX charged my credit card which was given to them by an employee at Wells Fargo and charged me a monthly recurring fee of {$14.00}, then charged my card several times with purchases from different locations in the US through Wells Fargo and XXXX 's stores.

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 05-02-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (IL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: During the application process, the store employee let me know about the 0 % APR on all purchases, or the 10 % back in rewards options associated with the  Comenity Bank/  XXXX   XXXX  Credit Card. I thought those were great options and proceeded with the application. Once she ran my credit, she then gave me the disclosures ( after the application was taken ). Upon reading the disclosures I learned the APR was 27.49 % and the 0 % for 12 months had a minimum purchase amount of {$750.00}. I called Comenity Bank at  XXXX  and discussed this issue with  one o f their employees - she said there was nothing they could do about the inquiry and I would have to dispute the inquiry with the credit bureaus. I declined the credit card, due to the misinformation about the APR. I wanted the inquiry removed because if I had not received correct APR information prior to application, and there was no reasonable way I could avoid the financial harm I would incur with a 27.49 % APR.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: O
n XX/XX/XXXX I opened a Citibank Account Checking online where a promotion was advertised for {$300.00} for opening an account. There was a delay in processing the opening on Citi 's ed but the account was opened and it was confirmed on the phone that the promotion was attached to my account.
The terms stated : Within 45 days after account opening, make a qualifying deposit of {$15000.00} or more in new-to-Citibank funds into the new checking account or your new or existing Citibank Savings Plus Account or Citi Savings Account and maintain a minimum balance of {$15000.00} for 30 consecutive calendar days following the date you made your qualifying deposit.
Within 45 days after account opening, complete 1 qualifying Direct Deposit to your checking account or make 1 or more qualifying purchase transactions with your Citibank Debit Card totaling {$250.00}.
On XX/XX/XXXX I deposited {$15000.00}. OnXX/XX/XXXX I deposited {$340.00} and I made a debit purchase for {$250.00}. My statement ending XX/XX/XXXX shows an ending balance of {$15000.00} and I maintained {$15000.00} or more the entire time of the first 30 days since my deposit.
I have called and done live chat and I 've been told that my bonus is coming. Yesterday I did live chat and was told the back office was being contacted and that my bonus would post in 1-2 days. I will attach this live chat from yesterday. Today I received a letter that I 'm not eligible for a different bonus which required a $ XXXX deposit for {$500.00}. This is not the account I applied for.

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 03-01-2016 about Credit reporting () with Experian Information Solutions Inc. (DC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX ( Creditor ) Incorrectly Billed Me For Months, When I Canceled My Autopay because I thought the balance was XXXX, the XXXX XXXX ( creditor ) reports late on my creditor report. The credit later reverse incorrect charges that would have made my account balance zero during the period they are report as late however, refuses to remove the late mark from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/19/2015 about Debt collection (Medical) with ONLINE Information Services, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX. Received an XXXX XX/XX/XXXX under insurance with XXXX XXXX at XXXX XXXX in NJ. I had received a different kind of XXXX XX/XX/XXXX and followed the same course of action for this XXXX ( which i had no disputes ) XXXX. XXXX XXXX did the XXXX which means they had received pre-authorization from XXXX, otherwise i would be denied my appointment. 
XXXX. XX/XX/XXXX i check my credit report and find a debt collection for XXXX for the XXXX XX/XX/XXXX. 
XXXX. XX/XX/XXXX I Call XXXX and they said I do n't owe but it was n't paid because XXXX XXXX did n't follow the rules. 
XXXX. XXXX sends me a letter confirming I do not owe the money. 
XXXX. XXXX calls XXXX XXXX to resolve situation. XXXX updates me and says XXXX imaging is removing the debt. 
XXXX. I talk to Onlinecollections.com to fax letter XXXX. XXXX of OC says this letter means nothing. 
XXXX I Call XXXX XXXX XXXX XXXX says you have a zero balance and print it out at this online portal. I fax the zero balance bill to online collections. I call online collections and she says it takes 3 XXXX days to get the fax. She says she will call her client XXXX XXXX to check on the balance of the debt. 
XXXX. XX/XX/XXXX XXXX of OC says it is an adjusted bill and their client XXXX XXXX still considers it a debt to be collected. XXXX of OC insists OC does n't own the debt but are working for their client XXXX XXXX. XXXX will not remove the debt from my credit report. 
XXXX. XX/XX/XXXX I call XXXX XXXX today after the above phone call and speak to XXXX who confirms I have a zero balance and there is no debt to be collected. She puts an alert on an email for someone to call/email OC. 

What do I do next? 
Get a letter from XXXX XXXX confirming there is no debt to be collected? How do i get this removed from my credit report? 

I feel helpless. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Debt collection (Medical debt) with Capital Accounts, LLC (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Capital Accounts has put a derogatory item on my XXXX credit report. I never received anything in the mail about this medical debt and I have had insuance for the past 10 years. As far as I know, I have no medical debt because I never received a bill in the mail nor have I received any phone calls. I filed a dispute with the Better Business Bureau and Capital Accounts responded with an illegible written " statement ''. The illegible statement also has the wrong address which would explain why I never received anything in the mail. Furthermore, I did not sign anything giving anyone permission to pass on my medical information and I definitely did not sign any contracts with Capital Accounts, so therefore I do not have a business relationship with them. So, they should not be reporting anything to my credit reports. In addition to that, the statement appears to show a balance of {$200.00}. However, they are reporting {$300.00}. So, my HIPPA rights have been violated in addition to the Fair Credit Reporting Act. HIPPA has been violated because personal medical information has been transmitted to a 3rd party without my consent. The Fair Credit Reporting Act has been violated because they are reporting a different amount than the statement they sent me and they are reporting an address different from the one that the original creditor gave them. I have asked for documentation showing my signature agreeing to do business with Capital Accounts and they have not been able to produce anything. Capital Accounts needs to remove this collection from my credit reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (WI).
Issue: Fraud or scam

Complaint: On XXXX sent a XXXX scammer {$300.00} via the XXXX feature on my XXXX XXXX Account. He never sent me concert tickets. XXXX XXXX launched an " investigation. '' I filed a police report. The officer heard my story and said, " I bet you {$5.00} you sent money to Bank of America account, right? For some reason, every scam I come across involves Bank of America. '' Telling, right? 


XXXX XXXX responded to my claim with an initial letter that said they were investigating and that they would be contacting the other bank ( BofA ) and seeing if they could refund my money. On the same day as this letter, they sent a 2nd letter saying that there was nothing they could do and that the claim was closed. 


I 've asked them if they could verify that the stolen/illegitimate checking account could be shut down - XXXX says that is up to BofA. BofA will not discuss another account with me because I 'm not their customer. 

However, XXXX did tell me XXXX and I 've learned XXXX some interesting things. In the letter they said that my transaction was initiated on XXXX. It did. They also say that this transaction did not post until XXXX. This was after my dispute was filed and after they " opened '' their investigation. Fishy. 

They also write, " Please be advised that the token you provided did not match the name of your intended recipient. '' When I asked the supervisor why in the XXXX they would allow a transaction to proceed that did not match the name of the intended recipient, he told me that I did not understand " token based transactions '' and that this was perfectly normal and not a security concern at all. 


One more thing -- while researching XXXX and their security I found this thread from XXXX that is used exclusively as a marketplace for similar fraudsters and scammers https : XXXX This thread ( before it was edited to remove the content ) talked about how XXXX had XXXX security flaw whereas you could enter any mobile number to receive your verification code -- and the number would not need to match the one associated with your bank account. 


Bottom line : XXXX does n't take their security seriously. XXXX XXXX does n't care about it 's customers and Bank of America is a haven for scammers because they do not properly verify ids when setting up 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 12/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX, One West Bank sent me a HAMP package, informing me that I was qualified to receive all benefits of the program, as long as I send all documentation required and complied with the trial payments scheduled for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( Please see attachment XXXX ) I sent all documentation required, and timely sent the XX/XX/XXXX and XX/XX/XXXX payments. On XX/XX/XXXX I received a phone call from One West, informing me that they had denied my Hamp application. I said to the representative that the Hamp contract stated that if I sent all documentation and make my trial payments, the loan will become permanent modified by XX/XX/XXXX ( please see attachment XXXX, page XXXX ). The One West representative told me that even if I sent the three payments, they were denying HAMP to me, she also informed me that a letter with an explanation of the denial was going to be send. However, instead I received a letter of default of my trial payments. Although, I called and asked for an investigation of the phone call I received on XX/XX/XXXX, according to One West representatives there was no way to confirmed. On XX/XX/XXXX, I was served with a foreclosure lawsuit. One west never offered another foreclosure alternative, even that I was behind my payments three months only. Because a sale day was set, I hired an attorney to defend myself. The foreclosure attorney representing One West, was accused of bringing homeowners illegally to foreclosure by the Florida General Attorney, and was placed under investigation for long time. Also, Florida 's courts were extremely behind in foreclosure cases, time went by, years and years. All that time I repeatedly asked for an investigation on my case, but One West just ignored my requests. On XX/XX/XXXX my loan was sold to XXXX, and with being able to manage my account online, thanks to new technology. I found a log of phone calls and notes by One West Bank in XXXX 's web site. The phone call from XX/XX/XXXX that I have been referring to, is recorded there. ( Please see attachment XXXX, page XXXX ). According to One West Bank they were denying HAMP to me because they thought that the house was rented, which in fact, I was renting XXXX rooms at the time. All that One West Bank need it to do was request more information and prove of residency, which I would be able to supply without any problem. I contacted XXXX 's escalation department regarding this issue, but they complied that I should be contacting One west Bank not them. 
One west bank has taken away from me the chance to avoid foreclosure, the chance to have my loan modified by HAMP program. One West Bank has failed in their duty of care with my HAMP modification. One west is the reason I am losing my home. One West Bank has caused me a lot of harm.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I sent out my mortgage check ( check # XXXX - {$1000.00} ) via mail paid to the order of Connecticut Housing Finance Authority on XX/XX/XXXX. The address on the envelope was incorrect and got sent to an address to a Towing Truck Company. On XX/XX/XXXX, the check was cashed and my funds were released to I presume the Towing Truck Company through a Bank of America in Illinois. My mortgage company did not receive any type of payment for that month. I also want to note that check XXXX was not endorsed and XXXX  released the funds anyways. On XX/XX/XXXX, my bank, XXXX, sent a letter to Bank of America about this transaction. I was told that BOA has 90-120 days to respond. Tomorrow would be 90 days so I called XXXX to get an update. They told me that they contacted BOA yesterday and BOA told them that they " lost '' the claim, so they faxed them it again. I contacted BOA today and I was on the phone with them for almost one hour, handed off to 4-5 different people, me telling the same story and getting the same response. I told them I have had enough and that I will be pursuing legal action. So just to make sure I contacted my mortgage company to inform them that I will be making a formal complaint against BOA and XXXX. I wanted to give my mortgage company a heads up just in case they get asked questions regarding my situation. I was put on hold and she told me that BOA reached out to them on XX/XX/XXXX in giving me a credit of the full said amount and that the cashiers department in my mortgage company is working on getting a credit applied towards my mortgage. I was told by my mortgage company that to give them a couple of weeks to check back to see if my account has been credited. Today, XX/XX/XXXX I contacted my mortgage company and they said that BOA will issue the refund towards my XXXX bank account. I called XXXX and they have not heard from BOA sinceXX/XX/XXXX. I told them what happened when I talked to my mortgage company and they will reach out to BOA today. I then called BOA and told them I was reporting them to the CFPB and to put that in their notes. I am appalled at the lack of competency in the 4-5 BOA customer service representatives to tell me that the issue was supposedly resolved, but there was nothing in their files, but clearly is not resolved. There is no reason why this is taking so long. I am disgusted by BOA and XXXX on how they are handling this claim. Both parties were incorrect and I question the training of the employees of both companies. I just want my money back that is owed to me so I can move on with my life. Attached is the letter from XXXX reaching out to BOA on XX/XX/XXXX. Thank you.

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