milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-09-2015 about Other financial service (Check cashing) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Unexpected/Other fees

Complaint: Dear CFPB, I contacted Bank of America to close out my health savings account on XXXX XXXX, 2015. Bank of America advised me that the account would be closed and I would receive a refund check for the funds that were in the account. I received a check from BOA in the amount of {$570.00}. On XXXX XXXX, 2015 I deposited the check BOA owed me to my XXXX bank account. On XXXX XXXX, 2015 to my horrific surprise BOA reversed the check causing my bank account to be overdrafed and causing financial harm. I contacted BOA directly to find out why they took my money on XXXX XXXX and the response I received was, " We are sorry the check was reversed, we have been advised by other consumers of the same issue and we are working to escalate to find out why this happened and will contact you the latest Friday XXXX XXXX. '' Not only was BOA not helpful, they did n't not return my funds. Due to their incompetence, I now have to pay a reverse checking fee and overdraft fee. This is unacceptable and unethical what BOA has done to me. I am a hard working single woman who should not be penalized due to BOA terrible mistake. The worst thing about the entire situation is that they could not tell me why they took my money they owe me. I hereby demand that the {$570.00} be returned to my account immediately along with the {$22.00} for reverse check and overdraft fee I now have to pay. BOA has not only violated UDAAP laws, they have also caused stress and financial issues on my part for what they did.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are two hard inquiries on my credit report that I did not authorize. On XX/XX/ 2018, I attended XXXX XXXX in XXXX IL to purchase a car. I signed the disclaimer stating that they will run my credit. In which it is posted on my credit as an automotive inquiry. However, I did not authorize them to run my credit with third parties such as XXXX XXXX as an National Credit Card inquiry or XXXX XXXX as a Finance inquiry. I am writing to have these two inquiries removed from my Transunion 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 explanation
Consumer complaint received 09-09-2017 about Checking or savings account (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I received a mailer from HSBC offering me {$300.00} if I open an Advance account. On XX/XX/XXXX, I opened an account and by XX/XX/XXXX, I have satisfied all the terms of the promotion. The mailer said that I should receive the bonus " approximately 8 weeks after completing all qualifying activities, '' which is the end of XXXX. On XX/XX/XXXX, I contacted HSBC by phone and the agent opened case XXXX. I checked the status of the case on XX/XX/XXXX and was informed that the " specialist '' has denied the bonus. Different agents gave me different explanations. The live chat support agent told me that " the payment was denied for not having the balance of {$5000.00} plus with direct deposits before XX/XX/XXXX. '' I deposited {$5000.00} to the account on XX/XX/XXXX. I received at least 5 direct deposits : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, in the amount of {$500.00} each from my employer. The relevant part of the promotion terms ( part 3 ) unambiguously states : " For purposes of bonus, you must have at least one direct  deposit in calendar months of XXXX and XXXX ''. The supervisor of the live chat representatives asserted that i failed to maintain {$5000.00} in combined consumer checking and savings balances from XX/XX/XXXX to XX/XX/XXXX. However, my CD account had {$5000.00} in it from XX/XX/XXXX to XX/XX/XXXX. Finally, the phone agent told me that my direct deposits did not exceed {$3000.00}. However, the terms did not specify the minimum amount on the direct deposit. A bank obviously can set up this requirement but not after the customer accepted the original terms of the offer. I am under the impression that the bank is trying to deceit me as a customer and is trying to find a reason to decline the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX XXXX from Experian special services has not contacted me regarding my dispute. Per section 1681i a consumer has a right to access and contact the credit reporting agency to file a dispute. XXXX XXXX has not investigated the items in dispute and has not coded the accounts listed as XXXX 'Item disputed by consumer '. The FCRA clearly states " ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information " If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate ''. 
XXXX XXXX spoke with XXXX XXXX in regard to XXXX XXXX. He never initiates a dispute or initiates an investigation on this item. The XXXX items are known to be reported incorrect. Rather, he says he does than sends a updated copy of XXXX XXXX credit file with a comment 'Please contact the creditor ' at ... XXXX and no updates for the XXXX accounts with results of the investigation or verification of pertinant account related facts. 

This is not an complete accounting or investigation of the disputes items. The XXXX accounts are listed as individual and they were orginally joint accounts. In addition there is multiple errors and misrepresenations that XXXX alleges to be correct and are clearly not. Consumer disagrees with Experian customer service. Consumer knows the law, has the bona fide credentials, he is trained in the law by attorneys, he has work in a city court, and reads adminstrative and procedural law. XXXX XXXX holds XXXX XXXX and a XXXX training. 

If the creditors can not certify the accuracy of the information Experian must remove the accounts no conditions. If Experian was provided certification from the creditors then a copy of such should be remitted for creditor examination and a request for judicial intervention ( RJI ) will be filed in federal court for civil proceeding for FCRA violations. 

The consumer XXXX is the only one who can provide an affidavit to the facts of the accounts not the creditors who communicate misleading and false information via XXXX or other telecommunication or ( digital device ) to Experian.

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 12/20/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: CRA violation. Fraudulent accounts appear on my credit.

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 03/13/2016 about Credit card () with SYNCHRONY FINANCIAL (NE).
Issue: Credit line increase/decrease

Complaint: Synchrony Bank maliciously reduced the credit limit on my TJMaxx credit card in XXXX from {$1800.00} to the balance owed, {$1100.00}. Synchrony sent me a letter claiming they did this because they pulled my credit report and decided that they needed to reduce my limit. 

I have always paid Synchrony/TJMaxx on time, so there is no reason for them to 1 ) lower my credit score by cavalierly pulling my credit report. And 2 ) by then lowering my credit limit to EQUAL the outstanding balance, they 've further piled on the damage that they initially caused to my credit score -- by even pulling my credit report to begin with. I contacted them and requested that my credit limit be restored to at least its original amount of {$1800.00}. On XXXX XXXX, Synchrony sent me a letter denying my request for a string of vapid reasons. 

Synchrony 's actions are just more of a bank getting away with XXXX chance to ever get out from under a hefty credit card and interest cost debt. Please let Synchrony know that they need to stop this hateful and greedy beating up of us little guys.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ASTA FUNDING INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently received a fraudulent collection letter from a " legitimate '' collection agency, XXXX, that is a running a scam and stealing money and identities. They claim that XXXX XXXX XXXX submitted a collection to them and are requesting my personal information and that I pay the balance. No balance exists with XXXX XXXX XXXX. I researched this company and found that they have been running similar scams, stealing people 's money using fake claims, stealing identities, and effecting people 's credit ratings. They are running a fraudulent scam and trying to extort money which is not owed by threatening to negatively impact my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have a student loan that I did take out. I am really frustrated that when i had XXXX back in 2010. I was not allowed a deferment or a forbearance becuaeI was not actively looking for a full-time job. I would like consideration to have the interest during that time and thereafter to be removed from my account and re-adjust the amount I owe. I would also like to be able to refinance at a lower rate and have it retroactive to the time of the consolidation of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with HSBC NORTH AMERICA HOLDINGS INC. (IN).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX of 2006 we took out a " home equity '' loan from a company call XXXX XXXX a division of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX. Yes, we were XXXX. I 'll get that out right off the bat. But, this was all so questionable/illegal, at least in my opinion. <P/>They valued our house at {$170000.00}. Our house was never worth that much, ever. They somehow made that number up. we only paid {$120000.00} for it. This has to be illegal. to over value a property so they could loan {$40000.00} on it 's supposed equity. we had only had the house for a few months so there was no way there was {$40000.00} in equity in it. <P/>then, the original loan papers said the interest rate was 13.5 %. what happened next has to be illegal too. XXXX XXXX, which is actually owned by HSBC mortgage, " sells '' the mortgage to HSBC. then the interest rate goes up to 18.574 %. <P/>We have paid {$53000.00} on this {$40000.00} loan. from the original contract, they expected to be paid {$110000.00} for the loan. Now, we did XXXX sign that paperwork, but the load never should have been made on a house that was purposely overvalued at {$170000.00}. there has to be some remedy for this predatory lending. It is killing us.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have reached out numerous times to midland funding concerning an account that I asked them to VALIDATE. I faxed numerous times a request to validate this debt and Midland credit has failed to respond to my request. The letter that I faxed them states : To Whom It May Concern : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : 1.Agreement with the creditor that authorizes you to collect on this alleged debt 2.The agreement bearing my signature stating that I have agreed to assume the debt 3.Valid copies of the debt agreement stating the amount of the debt and interest charges 4.Proof that the Statute of Limitations has not expired 5.Complete payment history on this account along with an accounting of all additional charges being assessed 6.Show me that you are licensed to collect in my state ; and 7.Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank You This account has been removed from all XXXX credit reports and now the account has been reinserted without the validation that I have requested. This account is to be removed immediately. For there is no application with my signature on it agreeing to this account. I want this account removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2017 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (SC).
Issue: Closing on a mortgage

Complaint: My realtor and I have been trying to work with Chase Mortgage to sell my home for over a year with no resolution. I am an XXXX XXXX XXXX XXXX attempting to sell my home in XXXX, GA and received approval from Chase mortgage to proceed with a short sale. My realtor secured a buyer that was fully qualified to purchase the home ; however, XXXX made the process extremely difficult. They often missed critical timelines which caused issues with HUD, VA, and the home appraisal. Because my file changed handlers every XXXX days, it was always in review, which further slowed the process. My realtor and I filed numerous grievances with the Chase Mortgage escalations department, which had no impact on the handling of my file. Ironically, each complaint was met with acknowledgement that there are systemic issues in the short sale department due to incompetence and inexperience. After XXXX months, XXXX gave my realtor verbal approval to complete closing on my home ; however, XXXX did not disclose that the approval was for a " dry closing '' and that approval for the final closing was still pending. Acting on my behalf with a legal and valid power of attorney, my realtor, the real estate lawyer and the buyer 's realtor signed all of necessary paperwork during the closing process fully unaware that XXXX was still reviewing the paperwork. Unfortunately, the buy was not able to receive the keys to the home. A week has passed since the " dry closing '' and XXXX has not yet approved an official closing. As a result of this, the buyer has decided not to purchase the home, and is fully within his rights to back out of the closing. I reached out to the Mortgage escalations department to inform them that the buyer is backing out of the sale, and to get an update on my most recent grievance. They could not provide any updated information. Because I am no longer stationed in Georgia, owning this home has placed a financial burden on me. The home has depreciated significantly therefore a short sale seemed to be the best option ; however, neither my realtor nor I could have anticipated Chase mortgage being detrimental to the process. As an XXXX XXXX service member, I am attempting to save my XXXX loan benefit and avoid foreclosure at all costs. I am completely unsure what to do in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, XXXX visited XXXX XXXX in XXXX Al. I specifically told salesman XXXX, that i didnt want my credit pulled ... i kept repeating that to him. He reassured me that it wasnt gon na be pulled ... He was taking a long time in the underwriters office so i walked in and there was my credit report pulled and all notofications of a hard pull was coming to my phone.. This made me furious. Then XXXX says, what my score is and speaks about my report..then he pushed a paper towards me saying here sign this this is for me pulling your credit ... But I TOLD YOU ALL NOT TO PULL.. SO NOW im stuck having to deal with all these erroneous inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have several issues : ( 1 ) I have been charged by the bank some time since 2015 until today of $ XXXX monthly fee. I spoke to bank manager in XXXX branch by upper west side and I was supposed to get problem fixed. It 's not fixed yet and I continue to incur such loss. 

( 2 ) I make payments on time. I want ALL INTEREST AND LATE FEES to be refunded, OR give me documentation, so I will go to court ( 3 ) I am charged money for XXXX XXXX & for some company named XXXX. I want to have those fees refunded from time of initiation of charge until today. I do n't affilitate with them and did not ask to charge me. If you do n't comply, give me documentation for all these fees, so I will beat them in Civil Court ( 4 ) I want all international transaction fees to be refunded, if any. Give me all transactions, so I will beat in Civil Court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America has been my lender since 2006. From the inception of the loan I have never had an escrow account and have always paid the taxes and insurance on my house. Recently, Bank of America created an escrow account, deposited two months of mortgage payments into the escrow account, charged me late fees although they acknowledged receipt of the mortgage payments. Despite repeated requests via telephone and mail, Bank of America has refused to credit my mortgage payments for XXXX and XXXX and they have refused to get rid of the escow account although the taxes and insurance are paid. 
I believe BOA created the escrow account because I was out of town for 6 months and the tax bill was mailed while I was out of town. The bank paid the taxes. I reimbursed the bank for taxes together with the XXXX mortgage payment but BOA has refused to get rid of the escrow account. In addition, BOA has refused to credit my account for XXXX mortgage payment and has charged a late fee. Although the taxes and insurance are current and paid, BOA demands a monthly escrow of {$120.00} in addition to the mortgage where one should not exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I continue to receive calls from Portfolio Recovery Associates. No message is left and when I answer the call no response. I have no idea why they are calling and a few years old sent them by certified receipt a letter of cease and deceit ( XXXX XXXX, 2012 ). The phone calls began again a few weeks ago. I block the number and of course they call from other numbers. I am again sending them another certified letter. Their tactics are horrific. I owe no XXXX anything, so I have no idea why they are calling me. They call my landline at the least XXXX a day, do n't answer no leave a message. I do n't know what else to do to stop them from harassing me via telephone call or other wise. My next tactic if this not resolve their annoying phone calls is to take legal action against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2015 about Debt collection (Medical) with Alliance Collection Agencies, Inc. (WI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I gave alliance collection a letter on XXXX XXXX, 2015 and gave them 30 days to prove all the debts were valid and mine. They failed to meet this request. Thus I 'm asking that all my negative marks be removed from my credit bureaus immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is my 2nd complaint to the CFPB regarding TransUnion 's ability to dispute items online. Since I'm unable to initiate my dispute through TransUnion, I'm submitting my dispute through the CFPB. There are three new collection items that have been added to my credit file that should've all been included in my chapter XXXX bankruptcy filing : Account name XXXX XXXX XXXX   Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number 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