milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Please add the following remark ( s ) to my XXXX  XXXX XXXX Home Equity Line of Credit Account : " Never Late/Pays as Agreed '' _____________________________________________________________________ Please add the following employment information to my credit report/file : Name of Employer : XXXX Date of Hire : XX/XX/XXXX Title : XXXX XXXX Pay Rate : {$27.00} Per Hour _____________________________________________________________________ Please add the following statement to my credit report/file : " With regards to my XXXX XXXX XXXX - Home Equity Line of Credit ( HELOC ) that is being reported as " past due '' and/or " delinquent '', the creditor ( XXXX XXXX XXXX ) has not mailed me billing statements since XX/XX/XXXX. The creditor is refusing to provide me online access to view my billing statements. The creditor is unwilling to provide me with instructions on an amount to pay and how/where to pay it. I have mailed the creditor a typed statement each month, since XX/XX/XXXX, notifying them that I have not received my billing statement for that month and that a billing error has occurred for that month and every month since XX/XX/XXXX. I may file suit against the creditor because the creditor is unwilling to allow me to pay off the balance and because the creditor is reporting inaccurate negative information. I am a responsible consumer and I have never been late on my mortgage or any other account. '' _____________________________________________________________________ Please only report my name as " XXXX XXXX '' ( after marriage ) and " XXXX XXXX '' ( before marriage ). Any other variations such as " XXXX XXXX XXXX '' should be removed as I do not have a middle name and I do not go by any other name. Thank you in advance.

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 06-12-2015 about Bank account or service (Checking account) with TCF NATIONAL BANK (IL).
Issue: Using a debit or ATM card

Complaint: i have an account with TCF bank, on XXXX/XXXX/15 I purchased shoes from website, in thein the amount of {$170.00}, the items were out of stock, so I requested refundon XXXX/XXXX/15, and since then back and forth with this merchant to refund me, finally 10 days ago or more, the merchant stated they refunded me for the full amount, but TCF bank insisting that there is no refund, and they are requesting me to ax them information proving the communication between me and the merchant, I faxedthe info 3 times, and keep saying its not showing received and they are investigating the issue ..I am the victim and they are holding my money, when actually I showed the solid proof that the merchant stating they refunded me and my bank have the moneyto tell you the truth, I do n't know who to believe anymore, its been 2 months ... 
I gave up ... Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (AR).
Issue: Adding money

Complaint: On Friday XXXX XXXX, 2015 a direct deposit from my payroll was added to my XXXX account. I was told that on the XXXX there would be a system update which would not affect any deposits or withdrawals. That was soon to found as a non-truth. I have not been able to either speak with anyone at the company. I have not been able to make a withdrawal nor have I been able to pay any bills. I have called and emailed this company ; however, they are not responding to either point of contact. This has been going on for days now and my bills are due to be shut off, I am out of gas in my car and I am not able to feed my XXXX children. I only have XXXX income in my home which is mines. I do n't have any help from anyone, so I need my money ... They do n't seem to understand how important it is nor how real the struggle is of being a single parent ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/23/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold checking account with Citibank in late XXXX last year. When I signed up, there was a promotion offer of XXXX bonus. I used the promotion code of the offer to apply for my Citigold checking account online and my account was reviewed and approved without any issues. After my account had been approved, I got the confirmation via Citi online chat session that I was eligible for the promotion of XXXX and this promotion was successfully attached to my account. The bonus would be credited to my account 90 days after I fulfilled the requirements. I completed all the requirements of the offer : XXXX bill pay in two consecutive months and spend at least {$1000.00} in debit card purchases. After I finished these requirements, I got the confirmation from Citi representative that I had met all of the terms in early XX/XX/2016 plus that I was eligible and the promotion was linked to my account. I have digital proof of all the information mentioned above. Reconfirmed on XXXX, and got the information through secure message that the 90-day mark falls on Saturday XXXX XXXX and the miles will be processed to my XXXX account the following business day XX/XX/2016. They suggested me to wait longer since the incentive should be credited no later than the end of the end of XX/XX/2016-statement cycle. But the bonus were never credited to my account. There is no justification for the delay in posting the bonus. I inquired about this problem via online chat and they opened an investigation on XXXX reward over three weeks ago, but they have n't provided any resolution. 
Meanwhile, there is a relatively high monthly service fee associated with the Citigold account and it would take several months for new account holders to meet all the terms and conditions to obtain the promotional offer. It is not justifiable and should be considered fraudulent for Citibank to attract new customers using promotion offer, collect high monthly service fee from new account holders, and not honor the promotional credit after customers opened their Citigold checking accounts, met all the promotion requirements and paid the monthly service fee accordingly.

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 07/28/2015 about Student loan (Non-federal student loan) with ACS Education Services (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: ACS/XXXX XXXX XXXX / XXXX ( this was a private loan ) ... ACS began servicing this loan in XX/XX/XXXX. There were never any payments made on this loan. Payments were to begin on XX/XX/XXXX. This account should have been removed from from reporting agencies in XX/XX/XXXX. This information is being reported differently on all XXXX reporting agencies : XXXX : ACS/XXXX XXXX XXXX / XXXX. Reporting date of first delinquency as XX/XX/XXXXXXXX : XXXX - XXXX / XXXX ACS. Reporting date of first delinquency as XX/XX/XXXXXXXX : ACSXXXX XXXX. Reporting date of first delinquency as 60 days past due as of XX/XX/XXXXACS is telling me that I need to contact XXXX XXXX to resolve this issue. XXXX XXXX is no longer in business. All the numbers for XXXX XXXX ring back to ACS. ACS is telling me that they are not responsible for reporting because they no longer have the account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have tried to open a dispute with transunion online but it went nowhere. 
I had a collection account on my reports from " XXXX XXXX XXXX XXXX, XXXX ''. I paid them and on XXXX XXXX, 2015 they agreed to remove the accounts because there had been some issues with the reporting. I got this in writing as well in case there were any issues. XXXX and XXXX removed it quickly but 7 months later, it is still on transunion. I am attaching a copy of my letter from the collection agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2017 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Debt has not been verified no contract or signature provided

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 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (DC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Portfolio Recovery is still reporting false information on my credit files and now, they started back making false claims about filing a Court Case against. If the want verify or validate the alleged debt, they do n't have anything to file against me in court because the debt is not mind

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
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 sent verification to XXXX from the The United States Bankruptcy Court ( District of South Carolina ) to show proof that : I challenged the accuracy, compliance and reportability of this listing. The United States Bankruptcy Court do not provide court records to credit bureaus or third party vendors. So how and from what source did they ( XXXX ) investigate and or reinvestigate this information. I provided proof of the credit bureaus error in reporting. The public record should be removed. attached is the response and dates that were sent to me. I also have a problem with the time frame in which they said that investigated. All records, letters and proof is attached. The state that i need to have more proof the letter form the court is more than sufficient.

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 09/14/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a Chapter XXXX reported in my XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I requested Experian provide me verification of negative on my credit. Fair Credit Reporting Act requires them follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requested them verify the item I am disputing at a higher standard than a computer generated inquiry, XXXX or third party database search. They sent me the typical verification with the creditor information, but failed to give verifiable proof that this was 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 explanation
Consumer complaint received 05/26/2016 about Debt collection (Medical) with USCB, INC. (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: ILLEGAL COLLECTION. Debt validation was requested from USCB but all of the attempts to get ahold of this company went ignored. However, they keep harassing and calling at inappropriate hours threatening to arrest and garnish wages if not paid but they were never able to validate the debt or to confirm they have the right person. this must be stopped and they need to stop reporting these illegal collections to my credit report immediately

Company response to consumer: Closed
Consumer complaint received 10-07-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I had a Shared Appreciation Modification Agreement with Ocwen. When I refinanced my house this year, conditions of the modification required that Ocwen would receive a percentage of the equity in the home. This calculation was based on the appraised value of the home, minus XXXX. I submitted documentation for XXXX and Ocwen added additional proof requirements not stated in the modification agreement, requiring they speak with the issuer of all receipts ( with places like XXXX this is nearly impossible ) and would not accept official receipts. I then actually met these additional and unreasonable requirements. Ocwen 's calculations reflected discrepancies in amounts, and denied receipts without explanation. Ocwen prevented me from speaking to the team that was reviewing expenses and doing the calculations. I received a payoff that was roughly {$1000.00} more than I should have paid. They denied several XXXX expenses, first claiming that I had n't verified purchase. This was false as I had to provide contact information for my receipts and verified with the entities in question that they had in fact verified my receipts. I had my attorney write a letter requesting answers to several errors in their calculations. Their response was only a letter stating they had already provided me this information, which they did not. I began my refinance in approximately XXXX and it was not complete until XXXX. The attorney letter and response took several more weeks. This is fraud. I need assistance forcing Ocwen to meet their contractual obligation under the shared appreciation modification to honor the documented expenses I provided, therefore lowering the money that was legitimately due to Ocwen by over {$1000.00}. They have been uncooperative and unresponsive. I have attached a spreadsheet itemizing the receipts I submitted for approval. I have noted where there were discrepancies and denial of expenses. I have summarized Ocwen 's calculations at the bottom, providing what I believe to be accurate calculation directly next to Ocwen 's errors. In addition, I have dozens of emails exchanged with Ocwen should they be required to resolve this issue. My belief is they violated the terms of the modification agreement ( I have attached a copy ) and committed fraud by denying me access to appropriate channels for resolution, consistently connecting me to staff that can not clearly speak XXXX which further prohibits resolution, deliberately adding additional requirements for documentation of expense in an effort to avoid crediting me for those expenses, unreasonable requirements for proof of payment that were not expressed in the modification, and unwillingness to provide clarifying information when my attorney inquired as to all of these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Debt collection (Medical) with JH Portfolio Debt Equities, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX is billing me for tests already paid for by my insurance company. XXXX XXXX is a tier 1 HMO provider for my insurance company. They have been paid, but continue to harass me with bills. I have no deductible or co-pay with my insurance. Now Quest Diagnostics have turned me in to a collection agency ( Credit Control , LLC of XXXX MO-Account # XXXX ), and have billed my credit card {$100.00} without my permission. I have mailed them EOB 's from my insurance company and they have been FAXED to them as well. Hours on hold with their phone support. Staff at XXXX XXXX facilities refuse to answer any billing questions at their local facility, hours of wait on hold if you try to call them. I have used XXXX customer service portal and the only response from them is a form letter in email.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Equifax and  XXXX  are showing an outstanding balance on my credit report that I do not owe for   XXXX     XXXX   XXXX . I have reached out to   XXXX   XXXX    XXXX  regarding this account and they indicated that the account was paid off  XXXX / XXXX / 2014 .     I contacted   XXXX    XXXX   XXXX  in my financial counselors ' office and she too heard them confirm my account status.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (PA).
Issue: Problems caused by my funds being low

Complaint: TD Bank continues with it 's deceptive overdraft fee practices. There 's no reason why an account needs to be delayed with charges from my debit account. When I charge something at a store, the store will decline if there 's not enough money in there. If I do a point of sale purchase, the money should come out immediately. TD bank delays the actual posting so that if a larger charge comes through later, they can charge a {$35.00} per item fee. TD bank has charged me thousands of dollars of OD fees and most are for charges less then {$10.00}. How is it fair that they can charge {$35.00} for any overdraft amount, even less then {$1.00}. I have asked them several times to update my account so that charges go in the order they 're made however TD Bank has stated they thought the larger charges were more important to the customer - that should not be up to the bank. I also noticed that my account started getting charged for business fees and come to find out that my account is a business account. I emailed them stating I never opened a business account that my account was a personal checking account and that they should correct that and reimburse me all the fees charged for the business account, however they did not respond and continue to charge me these fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/21/2015 about Student loan (Non-federal student loan) with AES/PHEAA (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I contacted my loan servicer American Education Services to discuss my student loan, particularly debt settlement. They advised it was n't an option due to my various lenders. I asked for the name and contact information of the actual bank that owned my loans. A supervisor got on the phone and told me my loan is owned by XXXX National Collegiate Trust but they denied having any contact information for me. They said the most they could do was send me the promissary note. I think the servicer should have actually have to be able to provide me with contact information for the actual lender. They said they did n't even have a general phone number. I have n't been able to find one on the internet, so I have no way of being able to contact them. I requested the promissary note, but it has n't been sent. I understand that no one has to agree to debt settlement with regard to my loan, my issue is the lack of information and transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America was our mortgage holder and they were having legal trouble last year we received a notice from Bank of America taking money off of our mortgage principle in the amount of {$53000.00}. we then received a tax document and we were told by bank of America and our accountant that bank of America would assist in paying the tax on the {$53000.00}. when we went to bank of America to ask for assistance they said we did n't qualify. So we were stuck with an XXXX tax bill. At which time we lost our son to suicide we were struggling both emotionally and financially. We struggled along and in the fall we became behind on our mortgage. We then contacted Bank of America to ask for a modification on our mortgage they said they would send package out to us to fill out. Two weeks went by we had n't receive the package so we called back, again we were told they would send out a package we did finally receive the package after waiting for three weeks. we filled all the papers out sent it back and again waited to hear. After waiting for another two weeks we called Bank of America again we got we need more information we did this three more times now we are into our third month behind. They would not accept any partial payment. so we sent all information in to Bank of America and waited. another month goes by we call. they said they had n't made a decision yet. so we waited. and waited. After waiting for three months we still had no answer and now we are so far behind we were sick with worry on what was taking so long and how are we going to catch up. We called bank of America one last time they again told us they had not made a decision yet. Then two week later we received letter from XXXX saying we were in default of our mortgage and we needed to pay the back mortgage or we will loose our home. 
Bank of America put us off for months until their sale of our mortgage to another company so that we are now at a point that there is no way we can come up with the amount owed at one time.. So we now are scrambling on how to save our home. If they were just honest with us and worked with us. They made our bad situation a whole lot worse.. I know that Bank of America has done this to other people it does n't seem right that we loose our home because bank of America used sneaky tactics. Now we are so far behind and not sure if XXXX is going to work with us. we applied for a modification with XXXX and we are waiting to hear from 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
Consumer complaint received 08/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Colony Brands, Inc. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is a Ginny 's account which I have disputed this is unknown and I requesting validation and removal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed