milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Between XXXX XXXX and XXXX XXXX my account was assessed {$910.00} dollars in overdraft fees XXXX XXXX {$70.00} XXXX XXXX {$170.00} XXXX XXXX {$140.00} XXXX XXXX {$140.00} XXXX XXXX {$100.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$100.00} XXXX XXXX {$35.00} After becoming aware of the extent and amount of the charges I contacted the bank and via phone call and an in person visit they refunded me {$320.00} dollars of that amount. Still given the fact that this was not entirely my fault I feel they should give me back more than what they currently have. I have been with the bank for 8 years and have been loyal to their brand.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-12-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a collection letter with an account number balance owed and original creditor information. Date of service was not included. I called the number on the letter the man who answered tells me it was placed on my credit report  XXXX / XXXX /  XXXX  . I received the letter today  XXXX / XXXX /  XXXX  . First communication I have ever received, and they had already put it on my credit report. The man gave me service date from  XXXX . This is from 5 years ago, and this is the first communication I have recieved.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: As part of a bankruptcy proceeding any American citizen is protected by Constitutional mandate. Bank of America has decided to follow a different course of action than any other creditor pertaining to my Chapter XXXX discharge of creditors. As I have submitted, Bank of America followed through a due process on my initial dispute on the carrying of balances on discharged debts. Bank of America re-inserted balances on XXXX ( XXXX ) lines of credit since they initially placed balances at XXXX from my initial dispute. 

Bank of America must file a release of any judgments filed against XXXX XXXX XXXX immediately in the county of my jurisdiction, XXXX County, New York. 

Bank of America must show a payment history of all late payments dating back from the inception of all accounts, and delete all accounts if a late payment occurred 84 months or greater based upon the 7-year rule mandated by the Fair Credit Reporting Act. 

Bank of America my XXXX out all account balances immediately as part of the bankruptcy judicial process, since under Federal Deposit Insurance Corporation ( FDIC ) Rule XXXX, the debt discharged through bankruptcy was listed as a sub-standard debt, written off or charged off by legal statute, and applied on a XXXX SEC quarterly filing on written off debt. 

Bank of America id " Double Dipping '' by maintaining balances on XXXX set of books, after applying all legal tax remedies through a XXXX SEC filing for written off debts. 

Bank of America must delete all aspects of past accounts if the XXXX month calculation is applicable, or the accounts will be considered re-aged, an FTC violation of Fair Credit Reporting Act protocol and Fair Debt Collection Practices Act processes on legal collection practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is a collection listed which is unknown, I have disputed with nothing received. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The following account is not mines. I have called XXXX XXXX and the collection agency attempting to receive payment, and neither one of them can tell me where the charges came from and seeing that I am current customer of XXXX XXXX, how do I have a past due amount on an account that I have been paying on since XX/XX/XXXX. The account in question : Creditor Name CREDIT COLLECTION SERVIC Original Creditor XXXX XXXX Responsibility Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Remarks Placed for collection

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have sent a 609 letter to all 3 credit bureaus requesting validation of a debt that 's reporting on my credit account labeled " XXXX ''. 

I am requesting that under the FCRA act that this company provide me documentation on this debt, proving that I am liable as I have not received anything in writing, email, text message, phone conversation from this company. 

I sent a 609 letter to all 3 credit bureau 's whom failed to provide me proper documentation that this debt belongs to me. Yet XXXX is reporting and making changes to this debt monthly without my consent or my aggreance. 

I have attached the 609 letter that was sent to the credit bureaus and also screen shots of XXXX erroneously reporting this account on my credit report. This debt came back 'verified ' but I was not provided any documentation that supports that claim. 

Please furnish all documentation that authorizes this company to do this to include but not limited to a contract signed by me with this company. 

Otherwise I am requesting removal of this account 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 explanation
Consumer complaint received 03/19/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage withheld money from my monthly house payment to fund an Escrow account from which they are to pay property taxes. They used the funds from my account to pay taxes on someone else 's property - landing me in collections with the XXXX County tax department. They have since paid off the collections, but are showing the additional amount as being part of my payoff amount ( meaning they are charging me XXXX for property taxes ). When my attorney and I have requested that they update the payoff since it was not my error, they are not helping me. They have told me they have to wait for the refund from XXXX County. When I contacted XXXX County, they advised me they do not refund mortgage companies for issues such as this. They said the mortgage company has to request the funds from the owner of the property that they erroneously paid. Nationstar is now saying they did not make a mistake. My attorney has documentation showing the issue and that I am being penalized for this, which is making it impossible for me to refinance my loan to a lower interest rate ( this is how we noticed the issue ). I have spent literally hours trying to get this resolved - many times being disconnected and given incorrect call back numbers or numbers that route to the wrong department. I also gave each of the representatives my call back number and no one has called me back. I left several messages with XXXX in the tax department and she never returned my calls. I want to move my loan from this company ( which could be accomplished through a refi ), but they are showing me as owing {$6000.00} more than I should, which means I would have to come out of pocket and hope for a reimbursement at some point.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I spoke with TransUnion and my report updates from XXXX never took place or uploaded to TransUnion system. There is massive fraud in regards to my personal and professional information being reported by TransUnion. Name Alias, Business attached to addresses, other mortgages that are not mine and with an ex girlfriend listed as a spouse, wrong phone numbers, wrong points of contacts and above all it looks like countless ends of financial fraud with banks and financial institutions. Today XXXX I spent close to XXXX minutes reviewing the fraud and TransUnion was helpful to have me know that I will have a report shipped to my address. It looks like all XXXX credit agencies are not correlating information timely or have been able to do so due to this fraud. XXXX was supposed to clarify these matters with TransUnion, and the matter got far worse within in the process. It 's helpful to work with all the credit agencies to double and triple check the progress of inaccurate information.

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 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.C. System, Inc. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have collection account that are still showing on my XXXX report that have been deleted from other reporting bureaus. These accounts were deleted by using a third party agency and XXXX has yet to delete account from my credit reports. The 4 accounts could not be verified or validated. I would like XXXX to do as the other bureaus have and update my Credit report to reflect NO collection accounts. One account ( IC systems in the amount of XXXX ) on consumer report exceeded the 30 day to validate debt by accordance to FRCA requirements and is in violation but has failed to delete account. I am also submitting a complaint to the XXXX against XXXX and IC Systems for violation of FCRA.

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 02-04-2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (OR).
Issue: Account opening, closing, or management

Complaint: During a previous complaint ( " Complaint '' ), I received communications from J.P. Morgan ( " Complainee '' ) asking me to contact an agent with Chase Executive Office to obtain additional information in order to continue the research. Complainee then closed the complaint. Unfortunately, after several, several unsuccessful phone calls attempting to reach out to the designated agent and leaving numerous voice messages with my contact information, I never received any response. It 's patent that Complainee is not taking the necessary steps to address my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NM).
Issue: Other fee

Complaint: Bank of America has charged me late fees for several months even though I had signed up for electronic payments which were set as minimum payment by the account manager. Months went by before I was contacted regarding late fees since the minimum balance was not being taken out. I decided to pay off the account which I did before the payment due date and now they are charging me a {$37.00} interest fee, this on top of all the late fees they have erroneously collected from me due to their mistake.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-03-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I had a fraudulent charge XXXX for {$240.00} XX/XX/XXXX. I reported the charge to Bank of America XX/XX/XXXX. They issued a credit for {$240.00} XX/XX/XXXX and {$240.00} plus {$10.00} as interest adjustment on XX/XX/XXXX. They mailed me a check for this credit which i deposited XX/XX/XXXXXXXX issued a credit for {$240.00} on XXXX/XXXX/15 to the card that had been closed. Bank of America caught their error and put a charge of {$240.00} on my account. The first fraud manager, XXXX, to whom I spoke found the credit XXXX, turned it into a debit and had me owing {$490.00}. Since she never returned my call as she said she would do, I called back and got XXXX. He at least fixed the credit to debit error. I now owe {$240.00}. I 've already paid for the fraudulent charge. Bank of America issued a credit. XXXX issued a credit. Right now I owe Bank of America {$240.00}. So if they get their way, I will have ended up paying for the fraudulent charge twice instead of receiving a fraud reimbursement from Bank of America and the charge back XXXX, which I pursued and obtained on my own.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: We paid our mortgage loan ( # XXXX ) in full on XX/XX/2015 to Ocwen ( lender was XXXX XXXX XXXX ). After months of telephone calls, Ocwen has not released the lien on the records of XXXX County Va. I 've dealt with their Office of Consumer Ombudsman, a misnomer to say the least. I even collected a {$500.00} civil penalty under Va. law for their failure to deliver a release to the county clerk within 90 days of payoff, but can not get them to file the satisfaction/release after six months of the XX/XX/XXXX payoff.. I 'm aware of the XXXX dollar settlement with Ocwen & wonder how many complaints there have been like mine. Thanks-XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Debt collection (I do not know) with AmeriCollect (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: About ten days ago ( XXXX XXXX, 2017 ) and again today ( XXXX XXXX, 2017 ), I received two phone calls with voice-mail messages left on my phone. Caller is male, sounds foreign ( XXXX? ), identifies as " XXXX, with ID badge No. XXXX, calling from Americollect.com ''. He claimed he was calling " about a debt '' but did not specify what or owed by whom, and left a return number of XXXX. XXXX invited a return call or to chat online with him at XXXX. <P/>I have no debts outstanding in any delinquent status, so this sounds like a scam.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX. 

Claims a debt is mine when it is not. They can not prove my financial responsibility for this debt and are unable to provide any proof that I am a responsible party on this debt. The Debt is in the name of another person and the bill is sent C/O my name only. They do not even have my SS number. They have no authorization from me or signature or contract that I am responsible for this debt. The date of purported service is XX/XX/2015. 

I have disputed this debt with Experian but they refuse to remove this debt from my credit report even though XXXX and XXXX   have already removed it. They have been given proof the invoice for the debt is in the name of another person but they still refuse to act. They refuse to request further information from XXXX XXXX   proving my responsibility on this debt.

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 02-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have submitted a separate complaint on XXXX and its 3rd party collection agencies ( CFPB case # XXXX ) for their mishandling of previous disputes I have made to them and/or their 3rd party agencies. I dispute the amount owed of {$130.00} and have since they attempted to collect it. I have been assured by XXXX and/or their various agencies on several different occasions that the debt would be cleared and they would remove it from my credit bureau. Initially about XXXX years ago, I submitted a dispute to the credit bureaus disputing this alleged debt. It was subsequently deleted either due to no response from the collection agency it was assigned to or they could not verify the debt. Since then it has been re-reported by XXXX different collection agencies with the most recent reporting coming from Stellar Recovery. Prior to Stellar, I have disputed this debt with the collection agencies, XXXX XXXX XXXX ( XXXX ) and XXXX XXXX. They both agreed to remove this alleged debt from my credit bureau and acknowledged my dispute. What appears to be occurring is that these agencies are canceling the placement and sending the account back to XXXX. These agencies are either not communicating my dispute to XXXX or XXXX is ignoring the communication. Once XXXX receives the account back from the agency, they are then placing it with yet another collection agency who then reports it to my credit bureau ( despite this account initially being disputed through the XXXX major credit bureaus where it was subsequently deleted ). It has since been re-reported 3 different times. At this time, Stellar Recovery needs to promptly remove/delete this reporting from my credit bureau and then XXXX needs to ensure they clear this disputed debt as it is not valid. XXXX then needs to take responsible action to ensure this is never assigned to a collection agency and is never reported to the credit bureaus again. XXXX can not and has not provided any concrete proof that this is a valid debt, because it is not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received an alert today from my credit monitoring service. Collection agency COMMONWEALTH FINANCIAL, date reported XX/XX/XXXX, original balance {$520.00}, account number XXXX. Contact information not reported, XXXX XXXX XXXX  XXXX XXXX, PA XXXX. First delinquency XX/XX/XXXX. Its being reported by credit bureaus.This is clearly not me i have never received any written notice of collection or proof of verification & validation required by the fair debt collection act. Furthermore there is no phone number for me to call & speak to a real person. This debt has already been disputed & removed from my credit report with a different company for the same amount. I also have proof that there was no previous collections on my credit report in previous months. I 'm in the middle of buying a house & this has dropped my score over 70 points & making it impossible for me to close. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Late Payments are reported on my XXXX Account for months in XX/XX/XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and in the year XX/XX/XXXX in XX/XX/XXXX. The entire time this account with another company and in forebearance for all of XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. XXXX bought this account in XX/XX/XXXX so how they be reporting lates from XX/XX/XXXX and early XX/XX/XXXX? I asked the credit bureaus for verification as well as XXXX and not response. 

This is an error and a violation of the FCRA. I have made every payment ontime to XXXX since they took over. 

Please remove these erroneous late payments kind regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: My loan was sold to a private collections company called Transworld. They called and threatened my husband with garnishment of his wages if it was not paid. The loan was made before we were married and therefore it is illegal for them to have done so. When they called him back they denied ever having done so though the call was recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Synchrony Bank / TJmaxx was harassing me by the phone telling me for a debt that was not mine I contacted the bureaus and they told me to contact Synchrony Bank. after alot of back and forth. They threatened me with legal action but. They did NOT provide me with any documentation validating the debt as mine

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