milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/27/2017 about Checking or savings account (Checking account) with FIRSTBANK (CO).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On Monday XX/XX/XXXX I made a check deposit in the amount of {$14000.00}. The next Morning, I had received credit for the check therefor I proceeded to use the funds. However, the next day XX/XX/XXXX the deposited check was in pending status and not available like the previous day. I decided I would go in personally to try and resolve the issue. I initially spoke with XXXX XXXX assistant branch manager she suggested I verify with the owner of the check if indeed the check had cleared their account. I proceeded to do just that, I verified the check has indeed cleared his bank and the funds were no longer in their account. At this point I was confused as I no longer had the funds in my account and it was not in the payers account so where was the money? Since my attempt to resolve the issue with XXXX XXXX was in vain even though I did as she suggested, I decided to email the branch manager XXXX XXXX ( which took over an hour to get contact info as XXXX was hesitant and insistent she was the only branch manager and refused to give me any other manager names I called 3 different locations to get the branch manager contact info as I knew XXXX was being untruthful contact info is not readily available online ). XXXX responded stating the reason the funds were not available is due to the inability to verify funds with the payers bank ( XXXX XXXX ), as stated before the payer verified the check had cleared the account the day before XX/XX/XXXX. I included the payer in the email, so XXXX had verification this was the case. At the end of business day XX/XX/XXXX my account was not credited the funds nor were the funds in the payers account, so the question is where are these funds? According to XXXX the earliest the funds would be available is XX/XX/XXXX. So where are the funds for the 8 days there not in either of our accounts? This has been the 4th occasional this year alone were a large check deposit is held even though it has cleared the payers account. I do not feel this is standard practice and do feel there must be more transparency when dealing with large amounts of money.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: After paying an initial XXXX dollar for my " free credit report '' through Experian, I was secretly enrolled in a monthly service where I was billed XXXX a month starting in XXXX 2016, I NEVER agreed to do this, in fact they automatically enrolled me in the program without letting me know and never sent a single billing statement, they simply begin billing my debit card for that amount. Experian then raised the amount to XXXX in XXXX again without ever letting me know in any way I was paying for anything. Completely unrelated my bank sent me a new debit card as my old was expiring, somehow Experian GOT my new debit card number and began charging XXXX for this secret service I was enrolled for. I called them when I discovered this charge on my checking account on XXXX XXXX, 2016 and immediately called them to get my money back and cancel this account, they only refunded me a single month back and said I was liable for everything before this because I agreed to this. I never agreed to anything like this, their practice of keeping everything to themselves just proves they were manipulating me the entire time. How is this legal or fair? If a private person was billing someone 's debit card without their knowledge or consent that would be credit card fraud! But because they are a credit reporting agency they can get away it? I am not alone, I googled this scam and hundreds of people are being ripped off by it. I filled a fraud complaint with my bank as I think these charges are ridiculous and fraudulent but I want Experian to be held accountable with the federal government.

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 11/30/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problems caused by my funds being low

Complaint: I have XXXX x J.P. Morgan Chase bank accounts. 

J.P. Morgan Chase offers an 'alert service ' to their customers to reduce fraud, and in particular, to ensure that - should an account not have sufficient funds available - a customer is instantly 'alerted ' so as to be able to transfer or add funds to their account/s in time for a payment to be processed successfully. 

This 'alert ' service is widely advertised as a part of the benefits of being a Chase banking or credit card customer. 

Note that this alert service does require some 'setting up ', which I have done, and used successfully prior to this incident. 

From XXXX XXXX 2015, the Chase alert service stopped working completely on all my accounts and Chase credit cards, and I have incurred substantial fees as a result of not receiving notifications of insufficient funds that would otherwise allow me to transfer or add funds in time to avoid such fees. Prior to this, I have used this service ritually with few issues, but on XXXX XXXX/XXXX/15, it began to fail completely, and Chase began to charge me ISF fees as a result. 

Once I realised the issue, I contacted Chase Customer Service, and they insisted that their system was 'working fine ', and that I should set up alerts via 'Push ', Text and email just to be certain. I followed their advice and did so, ( receiving no less than XXXX emails confirming these changes to my alerts. However, despite setting up all alerts via all means, none of them worked at all. Meanwhile, Chase continued to charge me ISF fees, ignored my concerns raised, told me the alerts were just a 'free service ' to me, and were unwilling to assist any further. 

After several calls, emails and texts about the issue to my Chase account manager - XXXX XXXX - he finally requested I come in to demonstrate the issue to him on XXXX/XXXX/15. While in his presence, he checked my alert settings, and then had me perform XXXX x transactions. The Chase alert system failed completely for both, so he agreed it was an issue and pledged to report it to 'National ' customer service for a full refund of the fees. 

To date, none of the fees have been refunded to the account that was used for demonstrating the issue, and as a result, my account/s remain in negative balance. Chase calls and writes constantly to add funds so as to bring my account/s back into credit, but I refuse to do so, as adding funds would serve only to pay Chase their ISF fees, and I am certain any request for refund would be denied. 

I do not work as hard as I do just to pay bank fees, especially when a failure on the banks part is the cause of such fees being incurred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On XX/XX/18, I've submitted a request to Experian requesting that they provide proof of the method of verification for which they used to verify the accuracy of this reporting. Clearly, the United States Bankruptcy Court, District of Maryland have verified that the Court does not report bankruptcies to the credit bureaus and does not get involved in disputes regarding credit reports. The FCRA further states, that the credit bureaus are required by law under Section 605 and Section 603 ( f ) mandating accurate information. Therefore, it is the responsibility of the original furnishers of a debt to verify its accuracy. Section 660.2 ( b ) direct dispute means a dispute submitted directly to the a furnisher ( including a furnisher that is a debt collection ) by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the originial furnisher has or had with the consumer. Section 660.4 ( iv ) information derived from public records, such as judgments, bankruptcies, liens and other legal matters ( unless provided by a furnisher with an account or other relationship with the consumer )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I previously submitted a complaint on Transunion, XXXX, and XXXX, they responded, and it was closed. 

According to the Fair Credit Reporting Act, Transunion, XXXX, and XXXX are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate 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 explanation
Consumer complaint received 12-05-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I reference previous case number : XXXX. My present complaint is against SETERUS , Inc., a loan servicing company, to which the collections on a mortgage loan # XXXX, for property at XXXX XXXX XXXX, XXXX, CA XXXX ( " the Property '' ), was transferred in XX/XX/XXXX. The transfer was done by XXXX XXXX XXXX, XXXX. 
SETERUS has ignored the XXXX XXXX County Superior Court of California 's XXXX/XXXX/XXXX Divorce Dissolution Decree ( Case # XXXX ), in which " the Property '', and all its debts, was awarded to my ex-spouse, XXXX XXXX XXXX. Further SETERUS, has ignored the Court 's XXXX/XXXX/XXXX Order, that " the Property '' be sold. SETERUS has also ignored the Interspousal Transfer Deed, transferring title to XXXX XXXX XXXX XX/XX/XXXX. 
SETERUS continues to post delinquent payments to my credit report, so that I am unable to obtain credit. 
Resolution : That SETERUS, Inc., immediately remove any negative reports made to the Credit Bureaus, using my social security number, name, etc.,. That SETERUS, Inc. obey the Court 's Orders, and cease their harassing behavior toward me ( rude phone calls/notices ). That SETERUS, Inc. pursue the legal owner of " the Property '', XXXX XXXX XXXX, who still resides there. ( I have not resided there for almost three years. )

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: IHAVE MUTIPLE  INQUIRIES THAT I HAVENT AUTHORIZE I HAVE APPLIED FOR CREDIT IN A YEAR HAVE MUTIPLE INQUIRES ON  XXXX  CREDIT  XXXX ,  XXXX , EXPERIAN FILE BANKRUPTCY DISCHARGE AND HAVENT USE OR GAVE ANYONE MY INFORMATION SEEN ALL TYPES OF INQUIRES THAT I HAVENT REQUESTED.

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 01/27/2016 about Debt collection (Payday loan) with ROC Asset Solutions, LLC (MS).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: API out of New York contacted me. They also contacted my grandmother. Told her the amount I owed also told her I could be taken to court or wages garnished. They have not sent paper by mail to my address. Will not give a return address. They took a XXXX dollar payment and then on the next payment we would pay XXXX. Called and did not get anyone. It said the XXXX customer was unavailable. The next day they called me. I asked about the XXXX deal. She knew nothing of it. XXXX is a local MS , TN & Al cell phone company. All I could pay was another XXXX dollars. They would not take it. Refused. Said they were turning it over to the courts. Also threatened my wife with charges. They sent a plain envelope with a basic layout to my grandmother with no return address only the amount I owed. Threatening, claiming court & garnishing of wages, giving out personal & financial info & not taking a payment because the amount was n't what we agreed on. I will not pay them anything else. API out of New York, I guess used all those tactics toward family member & myself.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (NC).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I was set up with autopay for my XXXX credit card. XXXX changed something which resulted in my autopay not going through. XXXX did not contact me to tell me about this change. Upon learning of the issue, I immediately paid the balance and XXXX simply reactivated my autopay. I have contacted XXXX on the issue and have not been able to come to a conclusion.

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 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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 HAVE ASKED XXXX TO VALIDATE THE ERROR OF XXXX XXXX  REPORTING THAT I OWE XXXX XXXX XXXX {$2100.00}. XXXX REFFUSES TO VALIDATE THE DEBT AND TO REMOVE THE ERRONEOUS DATA BEING REPORTED.

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 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: While reviewing a copy of my Transunion report I noticed an unauthorized credit inquiry being reported. The company listed below should n't have been allowed to access my personal credit information or put a credit inquiry on my file because they did n't receive any type of authorization from me prior to doing so. XXXX XXXX XXXX - Inquiry date ( XX/XX/XXXX2016 ) I am requesting the above unauthorized inquiry be removed immediately from my credit report. Again, I did n't authorize any employed at the above company to make this inquiry or access my credit report. Please remove the inquiry from my report as pursuant to 15 U.S.C. 1681b Section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act that states a consumer reporting agency shall not furnish to any person a record of inquiries in connection with credit or insurance transaction that is not initiated by the consumer. This is a breach of my privacy. I sent a letter to the above company asking them to remove the inquiry and 60 days have passed with no response or action taken.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage with GMAC ( who is now bankrupt ) that was paid off XX/XX/2011. 
I sold my house a month ago and the title company wo n't release my money until the lien is taken care of. I have a letter from GMAC stating the loan is paid off and that they will notify the county offices from XX/XX/2011 but they never released the lien. I have talked to Ocwen who took over GMAC numerous times and even received a letter from them stating they do not have the authority to release my lien.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I recently pulled a copy of my credit report and noticed two medical collections accounts being reported from Wakefield so I send them a letter certified. Requesting validation of this alleged debt they claim i owe them. I have requested that they prove that i am indeed the party they are asking to pay this debt the date of the alleged medical service the name of the patient and proof there is some contractual obligation binding on me to pay this debt. They have refused to provide copies of any agreement I have with them that grants authority to collect on this alleged debt or proof of acquisition by purchase or assignment and authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY Provisions AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY

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 05/14/2015 about Debt collection (Auto) with Patrick K Willis Company Inc (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My mother is in debt regarding her vehicle. " XXXX '' " XXXX XXXX '' from XXXX has called my home and cell numbers repeatedly. They have called MY NEIGHBORS to ask if they know my mother and why she is in debt over her XXXX vehicle. This is an embarrassment and violation of sharing information with a XXXX party. When I called and told them to stop, they called me back and harrassed me further to talk to my mother. I asked them for an address for his business. He refused to give it. I asked him for the phone number from which he is calling. He refused to give it. He continued to ask to speak to my mother. I stated he was in violation of law for continually calling me and for contacting XXXX party people and sharing information about my mother 's debt. When I continued to repeatedly ask for his address and phone number he hung up

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: On XX/XX/2017 I accessed my personal credit report on Equifax website ( will attach screenshot ) at that time I no negative items showing because they have all been removed for one reason or another. On XX/XX/XXXX 2 accounts were added back with out a 5 day notice by the FCRA standards that one of Equifax valued employees saying do n't exist. I called spoke with a young lady and resolved my issues with no problem by removing them. On XX/XX/XXXX I went to XX/XX/XXXX and the rep informed me that I have a charge off and collection on my credit report. I immediately contacted Equifax where the rep stated its nothing she can do and there is no such thing as FCRA 5 day notice. I immediately told her that 's not true and began to state facts to her where we still didnt get a resolution. I need the negative information from my credit file immediately. The accounts are XXXX XXXX and XXXX XXXX XXXX. I am very angry that Equifax has yet broken the law again by doing this and then you get rude employees that do n't know the law. I am attaching the information below and expect immediate results. The files i uploaded are proof that those accounts were not on there and had been removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not exercise proper security measures and resulted in my information being compromised. They have opened me up to identity theft and have only made a token offer to monitor my credit for one year. This service costs ~ {$20.00} per month afterwards and much of my data will not change over the course of my remaining years on Earth ( approximately 55 more years based on average life expectancy ). This is over {$13000.00} over the course of my lifetime paid to Equifax. {$13000.00} to trust a corporation who has already handed my information over to criminals who have the potential to steal countless money from me and ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Debt collection (Medical debt) with GLA Collection Company, Inc. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal la w. GLA has been reporting unverifiable and inaccurate inform ation on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a XXXX XXXX Validation letter with HIPPA requirements to CommonWealth Financial. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by CommonWealth Financial. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of CommonWealth Financial.

Company response to consumer: Closed with explanation