milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: They have me working at XXXX, which I do not that was where my husband worked, also I have never lived on XXXX XXXX in XXXX XXXX fl. I shared a XXXX card acct with a friend and she lives at that address. Since that acct has been closed and a new acct opened in my name. Please check with the usps and you will be able to verify that is not my address. and irs can confirm that I do not work at XXXX

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 CITIBANK, N.A. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: PLEASE REMOVE XXXX XXXX AS AUTH USER : SS # XXXX ACCT # 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 02/15/2017 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: My issue is with Bank of America, there has been a freeze on all my accounts without Any explanation. These are my ACCOUNTS THAT ARE FROZEN? HAVE NO ACCESS TOO. checking account : XXXX savings account : XXXX business account:XXXX I have no access to Any of my funds. They are telling me different stories no one is giving me a clear answer on what is actually happening. I have gone into multiple branches and called multiple times asking for who is in charge. I am sad to say I only bank with bank of America. I ca n't access anything. They saying someone hacked into my account now? They are saying it 's under investigation? The only thing unusual was the check my lawyer ( XXXX XXXX ) put into my savings account for the amount of {$16000.00}, Thursday because he won a case for my Injury. My lawyer also banks with Bank of America, he verified the check and his account with them still nothing, they wo n't explain to him or to me what is going on? No one is telling me when my funds will be released to me. They are saying my account is under investigation and they are saying its a business decision. 
The problem is NO one is giving me Real answers and I am without FUNDS from any of my accounts and I need to pay my bills and I need help getting this reslove as soon as possible.

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 08-03-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (IN).
Issue: Other service issues

Complaint: i paid for two jewelry items on ebay, a XXXX and XXXX. the bill was paid through paypal XXXX/XXXX/2016. the seller provided a usps tracking number but i did not get the items. i have made three trips to the post office, spoke with supervisor XXXX XXXX. she told me the trucks were checked daily and the post office found no spare packages. i soke with the seller, XXXX who stated " i did everything right and have no responsibility '' i opened a case on ebay which was promptly closed due to paypal opening a case. paypal opened case and " investigated '' found tracking number from post office and said it was delivered, it was not, i did not get the package. paypal has a buyers protection " from their front door to yours '' and charges 2 % on my sales plus interest on their account. i have contacted them no less than 10 times, but with delaying tactics only to get my hopes up. the last installment was monday ... XXXX/XXXX/2016 they open an appeal but i got an email today stating once again the case was closed. that case number is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/19/2016 about Consumer Loan (Vehicle loan) with MERCEDES BENZ FINANCIAL SERVICES (TX).
Issue: Managing the loan or lease

Complaint: I recently notified Mercedes Benz Financial Services that they had not updated my balance with the credit reporting agencies in months. They responded to my email and stated that they would update my credit reports to reflect my current balance. Today, I checked my credit reports and Mercedes Benz Financial Services updated my credit reports to reflect that my CURRENT balance was {$53000.00} which is higher than what I even purchased the car for. I have made all payments on time and my correct current balance is a little over {$49000.00}. After MBFS updated my credit reports with this incorrect balance of {$53000.00} my credit scores dropped as much as XXXX points. I called MBFS and the agent did not understand what I was complaining about. He was very rude and condescending. It is apparent that MBFS simply does not care. 
How it is possible that the balance MBFS reported in XXXX 2016 is {$50000.00} and in XXXX 2016 it is {$53000.00} with perfect on-time payments? Please see attached report from XXXX reflecting this.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have been trying to obtain a copy of my credit report from TransUnion since XXXX of this year and I have yet to receive it. I have requested my report in writing 7 times and called them at least 2 times by phone to try to get them to update my information and send me a copy of the report. I have been unsuccessful in obtaining a disclosure of my credit information from TransUnion.

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 01-11-2017 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter in the mail stating that I owe {$2000.00} from a creditor named XXXX. I am in the military so I have insurance. Furthermore, I have not been to Florida in 5 years but the debt is from XXXX XXXX 2016.

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 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (DE).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have an account with XXXX XXXX XXXX XXXX. I have always made payments to them either by sending in a check or making a phone payment. 

My due date is always on the XXXX of every month. On XXXX XXXX I called in and made a phone payment for the min amount due. 
After monitoring my bank statements I noticed that it took a couple of days longer than normal for the payment to process. At that point I signed up for the online access to my account so I can investigate, and find out that there is a cut off time for the payments. 
During my online investigation I was then made aware that there was a XXXX deadline on the due date Now no where on their paper statements or on their automated payment system did it ever mention that there was a specific time that the payment was due by. Therefore I was not informed and made unaware of a time specific deadline. 

My payment was technically made on XXXX XXXX, XXXX at XXXX. Which is technically considered by date XXXX XXXX, XXXX. 

I had called Kohls multiple times to dispute this and just received a letter stating that the must report the late payment to the credit agencies. 

My dispute is that since they do not inform of a specific time frame dead line on all of their forms of payment, then they should not report a late payment to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Prepaid card (Transit card) with AMERICAN EXPRESS COMPANY (NC).
Issue: Managing, opening, or closing account

Complaint: American Express Serve provided a free {$50.00} Card when purchasing an iPhone at XXXX. I used the money the same day and called several times to close the account. I was told the account was closed after dozens of hours and nearly a year later. Months later, I started getting emails that they now charge a {$4.00} monthly fee and I now owe money on the card. I ca n't get them to close my account after trying many times for the past year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/25/2016 about Debt collection (I do not know) with Client Services, Inc. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is a complaint from XXXX XXXX against Client Services for Client Services 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, Consumer, XXXX, received a demand letter from creditor, Client Services. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XXXX XXXX, 2016 Creditor responded with old billing statements, but no chain of title or other documentation proving legal authority. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Rewards

Complaint: I applied to Barclays Frontier Mastercard by XX/XX/2015 and was approved. On XX/XX/2015 statement Barclays transfered XXXX miles ( points ) to Frontier Airlines. On XXXX statement Barclays transfered XXXX bonus miles after my spending requirement has met. 
However my account at Frontier Airlines shows no mile was credit. 
I contacted Barclays almost XXXX times by either phone calls and secure messages with XXXX case numbers XXXX, XXXX, XXXX, and XXXX. 
I also had XXXX three way callings between me, Barclays, and Frontier Early Return Specialists, Barclays promised me that my missing XXXX miles will be credit to my Early Return account within XXXX days. They never fulfil their promises. 
As of today XXXX/XXXX/2015, my Frontier account still has no mile in it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I.Q . Data International , Inc. is at tempting to collect an invalid debt from me. On  XXXX   XXXX ,    2017, IQD sent me a collection letter. In the letter, IQD stated, " If you notify this office within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or a copy of a judgment and mail you a copy of such judgment or verification. '' Shortly after receiving the letter from IQD ( within 30 days ), I sent a letter to IQD informing them that the debt was invalid and to cease collection efforts. Subsequently, IQD did n ot mail me " a copy of such judgment or verification '' and sent a second collection letter on  XXXX   XXXX ,  2017 .

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Here are documents from XXXX XXXX XXXX to go with case # XXXX. They have reported XXXX different things to all XXXX credit agencies and different on my wife 's as well.

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 03/24/2017 about Payday loan () with USI Solutions Inc. (OK).
Issue: Can't contact lender

Complaint: I get robo calls from XXXX USI Solutions , Inc. to my phone XXXX at least several time per week. I am on the do not robo call list. They say they are a dbt collector. I phoned them once on XX/XX/2017 and asked for documentation and gave them my XXXX, XXXX, OK XXXX address and gave them verbally 30 days to respond. I told them to stop calling until I got the documentation at which time I would call them. I have never received the documentation. They have continued calling throughout the relevant time period. When I try to call them I get no answer. I have tried repeatedly to call them and there is never any answer. Please help me to stop this harassment on my business phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (AL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied for a mortgage refinancing through Quicken Loans. The approval letter is dated XX/XX/XXXX. Talked to XXXX XXXX he told me I was approved. All I had to do was send them a good faith deposit of {$400.00} and it would be refunded when my loan was processed. On XX/XX/XXXX I received a letter saying I was not approved. I XXXX XXXX and ask for my refund of my deposit. He then told me I would not get it back because it was for the appraisal. I told him he misled me. I contacted Quicken Loans many time for my refund with no results. My loan # XXXX. I have XXXX after this happend and there is thousands of people they have scammed people out of money this way. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: my home loan went into default XXXX of 2015, I several attempts to bring my account current each time the rep stated the system would not accept the payment. Now my loan is in foreclosure status/ Modification supposedly additional information was needed far as my income, I have been waiting for a new modification packet going on 3 weeks among other things I received a letter stating no longer will assigned person be handling my loan any concerns contact the home loan team. Well I did just that to find out no one will is allowed to discuss my account with 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 explanation
Consumer complaint received 02-02-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: i been paying loan for about 10 years hasnt went down payments to high and intrestrate to high.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (NM).
Issue: Managing the loan or lease

Complaint: MAVERICK FINANCE PAID IN FULL DELETED THAN REINSERTED. IT WAS TAKEN OFF THE BUREAUS THAN PUT BACK ON. XXXX ITS BEEN PAID

Company response to consumer: Closed
Consumer complaint received 06-05-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: We are requesting that the Consumer Finance Protection Bureau assist us in resolving a dispute with Ocwen Loan Servicing. Ocwen has unilaterally altered the terms of the mortgage note we executed in XXXX XXXX. Our efforts to resolve the matter amicably with Owen have been unsuccessful and we are therefore seeking your intervention. We have attached a letter detailing our issues along with.a copy of our mortgage note dated XXXX XXXX, XXXX, as well as the following : XXXX XXXX a copy of a letter we received from Ocwen Loan Servicing, dated XXXX XXXX, XXXX, after we requested Ocwen to correct an error concerning how our loan is to be repaid. Ocwen had recently taken over servicing of this note. 
XXXX XXXX a recent Ocwen notice dated XXXX XXXX, XXXX, a year later, which again does not accurately reflect the terms of the note.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Application, originator, mortgage broker

Complaint: I applied for a mortgage refinance with Bank of America in XX/XX/XXXX. Recieved conditional approval on XX/XX/XXXX. After several weeks of communicating with XXXX XXXX, Loan Officer, and XXXX XXXX, Home Loan Specialist, they XXXX abruptly stopped responding to my e-mails and phone calls. My loan was ultimately cancelled for " failure to respond to requests ''. After several weeks of calls and e-mails, I was put in contact with XXXX XXXX, VP Operations, who had XXXX XXXX contact me. XXXX XXXX informed me that despite the fact BOA was in error, I would be required to reapply for the loan, which I did. The XXXX application was conditionally approved on XXXX. Even though XXXX XXXX had promised to do everything possible to expedite the new application, the scenario in processing the new loan was almost identical to the original application. The XXXX loan was also cancelled due to " failure to respond to requests ''. Ironically, the cancellation happened on the same day that I faxed the latest information BOA had requested. For the last two weeks I have been in correspondence with Processing Manager XXXX XXXX, who also promised to " get personally involved '' in closing this loan. Her assurances, like those of everyone else I have been in contact with at BOA, have been worthless. I am at this time waiting to hear from her as to the status of this application.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-10-2017 about Debt collection (I do not know) with Rent Recover, LLC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Various people calling my work and home number never stop. Rude threatening to call various departments and family member.

Company response to consumer: Untimely response
Consumer complaint received 03-10-2017 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NH).
Issue: Problems caused by my funds being low

Complaint: In XX/XX/2017, I terminated the services of XXXX and switched to XXXX. Knowing how companies are, I thought it would be in my best interest to stop payment on any future funds they decided to take. I went to Citizens Bank on XXXX/XXXX/17, in person, and paid the {$35.00} to stop payments to them. I was told I was all set. On XXXX/XXXX/17, Citizens allowed them to withdraw {$600.00} from my account. I called Citizens on XXXX/XXXX/17, and I was told the money would be put back by the following morning. On XXXX/XXXX/17, I was still overdrawn because of that charge. I called Citizens Bank again, and I was told they had to file paperwork which would result in waiting another 10 days for the money to be returned. They did offer their apologies for the inconvenience. However, when I had to tell my landlord that I could n't pay my rent for another 10 days I informed him that Citizens Bank extended their apologies. Surprisingly, that did n't fly. Now, to add insult to injury, they 've charged me a {$35.00} overdraft fee. I paid the stop payment fee well before this {$600.00} charge was presented. They XXXX, not me. They did n't fix their error in a timely manner, and they charged me for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. BANCORP (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: On XX/XX/XXXX at exactly XXXX, I received a call from a company called XXXX, XXXX XXXX. Called was not answered so there was a voicemail left was from an unknown number and the number I obtained to contact the the XXXX XXXX XXXX back was XXXX. They referenced a case number of XXXX. The voicemail stated that there was a civil complaint that had been filed against me. I contacted the phone number left for me to call back at XXXX. I gave the case number and was transfered to an XXXX XXXX who notified me the complaint was from US Bank for a debt that I owed. 

US Bank was just sued in XX/XX/XXXX for improper posting of debit card transactions before deposits causing customers accounts to be overdrawn and a series of overdraft charges to be charge to consumer accounts. Which is how I came to have a debt US bank. With the XXXX Law suit US bank now has a settlement of XXXX for people in most states and based on the year that you had an account with them.. My account with US bank was through from XX/XX/XXXX-XX/XX/XXXX and for the state of colorado concerning the settlement I am elgible to be paid back for for the debt was supposedly owed by me. 

This company XXXX XXXX XXXX verified all my information which they more than likely received from public or social as they are a predatory collection company and they have complaints and are all over the internet as scammer. I did not give them infomation. They stated they would file a lien against my XXXX ford Taurus and try to sell the vehicle and was they were not able to recover from the sale of the vehicle they would then garnish my wages. I live in the state of Colorado and the statue of limitations is 6 years for debt. This group I believe is hoping to serve me with papers and hope that I do not show up so I an get a default judgement against me and then try to garnish my wages. But knowing what I know and what they do n't i am willing to got to court as i advised them

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