milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-11-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened my account with Bank of America, here after referred to as BOA with a {$100.00}. I spoke in length, approx 30-45 min because was very leery about the bank, that I am getting some large checks due to a settlement from my lawyer and want to make sure that they will clear within reasonable time. She told me it would be fine, walked me to the teller and printed out the holds and sates of release. If applicable, i have the printed receipt that i can enclose or forward to you. It was a type A Hold on {$4800.00} until XX/XX/XXXX and a type D Hold untilXX/XX/XXXX for $ XXXX+. That was agreeable because I was to get married on the XX/XX/XXXX and i could pay the caterers, the photogrpher, cake, reception place, etc, plus get ourselves an apartment because we just moved here into south carolina. When I contacted them, they now are holding my money until theXX/XX/XXXX, even though it was from my attorneys office. I cant pay anybody with promises, they demand to see money up front. i tried multiple times to have managers call the risk department and they wont budge. I even told them just give me $ XXXX {$800.00}, and my social security check with is still linked with the bank is more than that and they can hold against my ss check, but not to screw up my wedding, please.

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 01/20/2017 about Credit card () with FIRSTBANK PUERTO RICO (PR).
Issue: Delinquent account

Complaint: A couple of months ago I discovered a delinquent credit card account on my credit history report. This account belongs from a bank that I have never done any business with in the past. The firsy step I took is to call the CRA so that they would give me more informaion about this and to know what were the steps I needed to take. They told me to contact the financial institution holding this delinquent credit card account and to deal with them directly and that it would be helpful to file a police report on this incident. Following this persons advice I called the bank and told them about the situation. They asked me to send a bunch of documents which I sent all of them. Immediately after I hung up I went to the police station to file a report but they told me they could not open an investigation without me telling them in which branch, refering to the bank, was this account under my name opened. I proceeded to call the bank and ask them where did they open this account under my name and my social security number and they responded that they could not give that information, which I think they were lying. Anyways, it has been approximately 40 days since I sent them all the documents that they asked for to investigate this and no response what so ever. I sent them an email last week and they never responded. As of this moment I am left without options and becoming to get frustrated. This delinquent account is still on my credit report and most importantly, they were able to open an ccount under my name with my social security without my approval and somehow seem to get away with this type of illicit activity.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Debt collection (Medical) with American Financial Credit Services, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: During my personal investigation of this American Financial Services being on my XXXX report even after countless efforts to get them to cease reporting the debt, I became aware that they are not allowed to collect debt in the State of Michigan without being licensed. Reporting information to a credit bureau is widely upheld as a collection activity, and as this is being reported to XXXX, I consider this unlicensed and unlawful activity.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I went to University of XXXX in XXXX, Texas. I applied for a student loan in XX/XX/XXXX to help with my finances for school. As years past, it was time to repay the loan. I paid a few payments due to my financial situation. Now, in XX/XX/XXXX National Collegiate Student Loan Trust XXXX filed a lawsuit against me and my co signer. The loan over 4 year old and I notice the information on my credit report was reported incorrectly. When my court date came I told the plaintiff about it and the court date was rescheduled. I 've called this company before my court date and no response. I disputed the information and it was deleted and returned to the original creditor. I would normally received a notice prior to the court date but that did not happen. This is a pain. Today, I received a outdated letter stating " Final Judgement in favor of Plaintiff ''.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Transaction issue

Complaint: on XXXX XXXX, I called the pay by phone line for my Bank of America AAA credit card to make a payment. I made a payment of the last statement balance of XXXX. 

this amount was debited from my checking account twice, on the same day, Monday XXXX XXXX, XXXX when XXXX XXXX notified me on XXXX XXXX, I called Bank of America and requested a refund. I was told it would take XXXX five business days. 

on XXXX XXXX, the money was still not in, so I took a loan to cover my mortgage and stop the {$35.00} fees charged daily. of course I followed up with a call to bank of America. 

I called again to bank of America on XXXX XXXX and XXXX. I called again on the XXXX, and they said it would take seven days, but should be in by the XXXX. 

I called on the XXXX, and they said it had just been approved, because someone from Bank Of America has submitted for a refund twice. because they made a mistake, it would take another 7 business days before I could get a refund. 

has anyone ever taken money out of your account? should n't they have returned it sooner? I ca n't pay bills, gas, food, until I get my {$2000.00} back!!!!! 
can someone please help me.

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 08/31/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: both of my credit cards have been reported as closed by consumer, which is not true, both of them are open being used by me and have perfect payments history.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This same item was with another collection firm which was a mistake now it is with another agency. I do not owe this and have disputed. Does n't a company have to validate an item?

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (IL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: entered into a 24 month contra ct ( in terest free ) that was paid in full in 21 months. Because a payment was n't made during the period they accessed a late fee only because a payment was made to early and was recorded the prior month. when contacted they failed to adjust. they then continued adding late fees to the account and finally filed with a collection agency to collect several  XXXX  dollars as a settlement. This was charged off per   XXXX   credit report.   My name is  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX  XXXX  XXXX  this transaction was with   XXXX   XXXX   XXXX   thru SYNC in the amount of {$390.00} dated entered into  XXXX  and filed  XXXX , I sent them a payment schedule which they never acknowledged or dispute listing the dates of payments.   This is an example of how free interest for x time functions and is not my first experience. Why action has not been taken against these kinds of activities is hard for this person to understand. It is attempted extortion!

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 01/27/2017 about Mortgage (Conventional fixed mortgage) with KEYCORP (NY).
Issue: Loan modification,collection,foreclosure

Complaint: KeyBank has failed to accurately responded to material false information being provided to a regulatory agency, the cfpb. On several occasion this lender has been been untruthful in facts provided to a federal regulatory agency. These incidents of providing false and misleading information are violations of the federal bank charter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/20/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My credit report had hard inquiries not allowed by me not sure if it 's for marketing but I 've written equifax XXXX and XXXX to no avail about this. Many hard inquiries are against my permission : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX. I have a credit alert on my account and I 've written each company directly.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (MI).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I tried to use card which does n't have any balance due. I email USA bank for this  XXXX  card and was sent a email back that card was cancelled but by no person. Card is still listed as having {$1000.00} available I sent in several other messages but no response. This has been a common problem with many of my accounts where charges appear and disappear but I get silly responses back.

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 07-10-2015 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Problems caused by my funds being low

Complaint: yes at my pnc bank i got a over draft of XXXX??? they would not waive the overdraft fee because XXXX years ago i had another fee they waived???? im on XXXX and going thru a hardship???? they told me they could not helpme??? thought was very unfair thats all .also im a care giver too my mom whos XXXX XXXX too.im just going thru alot of XXXX and thought they have a heart??? guess they dont.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/21/2017 about Debt collection (I do not know) with STERLING JEWELERS, INC. (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: In XXXX 2016 I had a child and fell behind on bills due to not working and only receiving 50 % of my regular income Kay Jewelers called me every single day and kept telling me that they were going to continue to call me and I kept telling that I do n't have the funds to pay and I would have to pay my rent in order to keep having a shelter for myself and my family they continue to call me I asked him to stop calling me they then pursued my mother my sister and told them that to contact me by that time my whole family knew that I had a debt I was truly embarrassed and could n't believe that they would continue to call me after I had already spoken to I believe two supervisors in two different agents I did set up payments with them only because I was so embarrassed and had no idea that this website existed I 'm only reaching out because if there 's other people that are going through the same exact thing our voice needs to be heard we should not be harassed if they understand that there 's a situation going on they should wait or put at least a cease-and-desist like I had originally asked them and they continuously told me that nobody noted that that is not my fault someone needs to be coached on how to deescalate a situation or find a resolution at the first call and not have to continuously call the person and know how to put a hold date on that person 's account before contacting them again

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I was told that the georgia power bill and the bankruptcy case have my address and other personal information stateing that it is my accounts. I have contact georgia power and I was told that was not my account. and I have all so contact the court house where the case was filed. and I spoke to someone and the information was check and I was ask for the last XXXX digit of my social security number and my address and other personal information. and I was told that the information didn`t match and that we were to different people. Equifax updated my information to that person credit report because when equifax ask me send in a copy of my ID. and a copy of my social security number and told me to call them back the next week. when I call back I was told that my information had been updated. equifax used my information that I sent to them to try to make me be that other person. they need to get off their sorry butts and do their job. they have already sent me the lady personal information and we are not the same person also the jobs that was put down where I claim to have work are not mys jobs. also I don`t have no reason to file bankruptcy they need to start working to get this messed fixed. or I will see them in court.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My wife and I are XXXX XXXX members, serving in XXXX. My wife claims XXXX as a state of legal residence, and pays state taxes ; I do not. I was served with a Tax lien by the state of XXXX despite not requiring to pay state taxes. I have tried to dispute that with them, but after providing the information they requested ( Leave and Earning Statements, XXXX 's ) they said that they would resolve this issue in 30 days ( as of XXXX 2015 ) but they have not, and the remark is still on my record. Please assist in getting this cleared. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Pinnacle Credit Services XXXX XXXX XXXX XXXX MN XXXX Phone XXXX is a 3rd party collection agency. I have been working with a company called XXXX XXXX. We have been trying to get Pinnacle to provide more than name of there original creditor. They provide no proof in the form of original forms, contracts dates, signatures. XXXX XXXX tried for several years and now I have sent certified mail requesting the same with no reply at all. I want them to prove with all the above I owe said debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To Whom It May Concern : This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I have not lived at theses following addresses and they need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX 4XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX   XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2017 about Credit card () with CITIBANK, N.A. (NC).
Issue: Billing disputes

Complaint: Have Home Depot ( HD ) Card from Citi Bank ( CB ). Received notice on first bill minimum balance due monthly was {$25.00}. Paid late in XX/XX/XXXX due to HD computer crash in XX/XX/XXXX and they could not accept payments from or too any type of electronic card until computer crash fixed. CB Charged a {$35.00} late fee in XX/XX/XXXX for this late Payment. Balance due in XX/XX/XXXX with {$35.00} late fee as approximately {$63.00}. Contacted CB by phone and they agreed to strike the {$35.00} late fee. Paid the {$25.00} owed. Since then Continues to charge me {$35.00} late fee each month stating that I failed to pay the minimum due with the late fee in XX/XX/XXXX even though they remitted the late fee owed in XX/XX/XXXX. Attempted to discuss and resolve issue with CB with no success. Contacted Attorney who sent a letter to CB in XX/XX/XXXX with a time frame for CB to respond. CB did not respond in time frame and would not take calls. Attorney sent 2nd letter XX/XX/XXXX. CB sent me letter to contact them. Contacted them XX/XX/XXXX and they refuse to do anything further about late fees from failing to pay balance owed in XX/XX/XXXX even though they remitted that late fee.

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 08-08-2017 about Debt collection (Medical debt) with SCA Collections, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: There is a company on my credit report stating I owe a debt. It has no name and no lender information. I have no received anything via mail or phone about this debt and I am disputing to get it removed off 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 02/28/2018 about Debt collection (I do not know) with Convergent Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX, XXXX Is listed on my credit twice for XXXX. I had disputed this numerous times this account is not mine. A collection bill is not validation & I never received proof with my signature.

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 03/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Initially I disputed several accounts, which came back verified. I believe the investigation is questionable.

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 01/24/2017 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Billing disputes

Complaint: I used to have an american express corporate credit card ( AMEX CC ). 
I left that company and card was discontinued AMEX sent me a cheque of {$56.00} and I deposited it to my account.Now I received a bill from AMEX stating that I owe them $ XXXX.I called them once ( I forgot the date ) and they told me that I have deposited XXXX cheques of {$56.00} each and not XXXX.I reviewed my bank records and could not locate XXXX deposits.I told him that.But I continued to get the bill.So I called again on XXXX XXXX XXXX and discussed the issue with AMEX.The lady who was on the call told me that an inquiry will be opened and I would get a call back from AMEX stating the date of deposit and the cheque numbers and the bank account where those XXXX cheques were deposited. 
I never received that call and my account was sent to collection agency in the meantime. I received a letter from collection agency. I called AMEX and Collection agency at the same time on XXXX ( or XXXX ) of XXXX XXXX and put both of them on speaker phone so they could hear each other.XXXX from AMEX and XXXX from XXXX were on phone with me.XXXX told us that he would add a temporary debit of {$56.00} within 48 hours to my account to make the balance XXXX which will propagate to the system of collection agency.I called collection agency today ( XXXX XXXX XXXX ) and nothing has happened.I called AMEX and threatened them that I would report this to CPFB, XXXX, police.Then the person told me that the other cheque was deposited on XXXX XXXX XXXX ( which I was not told earlier ) and he would call me back in 2-4 hours with cheque number and the bank to which it was deposited.But no matter what this would affect my credit rating on top of the harassment I faced.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/24/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Trouble during payment process

Complaint: I made three mortgage payments on my home loan on XXXX XXXX at a Bank of America branch asking the teller to credit the funds as payments and not apply anything to principal. All three payments were applied to my account and my XXXX, XXXX and XXXX mortgage payments were showing as paid when I checked on line a few days later. I sent a secure message to Bank of America asking them to reapply the payment to pay the XXXX payment. They wrote back and said that they could not do that unless I hand wrote a letter and mailed it to a certain address. I then called and talked to XXXX at ext. XXXX. He said that they needed something in writing to move the payment, but the written request did not count. He said that there is nothing that he could do.

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