milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/30/2017 about Mortgage (Conventional home mortgage) with NEW YORK COMMUNITY BANK (FL).
Issue: Incorrect information on your report

Complaint: I have asked NYCB several times to report the correct mortgage account information to the credit agencies for myself and my wife to no avail. Our mortgage account has been opened and paid on time since  XXXX  and they report it as closed. I called them in  XXXX   XXXX  to make the request and they told me I had to send a LETTER via  usps. I un derstand that they need a record of all correspondence, but in this day and age, that is ridiculous! Even the IRS and FDIC has online request submissions. I digress.     I sent a letter on  XX/XX/XXXX  and received a letter from them a month later saying that it will be updated. Several months go by and no update on our credit reports. I sent another letter on  XX/XX/XXXX  and received a letter from them a month later saying that it will be updated. Waited a few more months  and one of the  credit agencies show the account as open for my wife but only shows the last few months of payment history - still no update on my credit report. I sent another letter on   XXXX   and received a letter from them a month later saying that it will be updated. Today, still no update on the credit reports!     I must say, again, this method of communication is 100 % ineffective. If I could talk to someone on the phone there is at least a remote possibility that I could speak to somebody that could at least explain the problem or maybe even fix it.     I sent another letter today, but am also filing an official complaint as this issue is negatively affecting our credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (PA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a checking account with Huntington Bank under a promotion " {$300.00} Bonus if you deposit {$2000.00} '' on XX/XX/XXXX. I met all of the requirements within 1 day. After a couple of months I called and messaged them to check on the bonus, which had n't posted yet. 

I was told that I needed the exact promo code I used to open the account. This was about 4 months after the account opening. Nowhere in the sign up process did it mention that I was required to save the promo code ( a ridiculous requirement to me ). I do vividly remember clicking the " {$300.00} bonus '' icon and then signing up for the checking account with the promotion clearly stated ( I had a screenshot that I was willing to share with them but it was saved on my work computer, where I am no longer employed ). 

Huntington kept telling me that if I did n't have the promo code they could do nothing ( who keeps a 4 month old promo code flyer? ) I believe this is unfair, since I met all of the terms of their promotion and was hoping that the CFPB could help me in getting this resolved. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Debt collection (Credit card) with WINN LAW GROUP, APC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: This account was established over 10 years ago. I closed it by choice between XXXX and XXXX. I informed the creditor at that time that I needed to arrange a lump sum payoff settlement amount because of financial hardship but they declined my offer. However, I continued to make the minimum monthly payments until XXXX. In XXXX, I became financially unable to make the payments anymore and the account went into default. Recently, my husband was given a summons by the lawyer of the creditor for a law suit against me. I called the lawyer and tried to negotiate a lump sum settlement amount of {$3000.00} but it was denied because he said it was too low. I can not afford the {$6000.00} settlement he countered. The main point is that the debt is too old to be sued on and the debt has been discharged on my credit report for quite some time now.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was told by a XXXX agent that I do n't ow them anything and the next months I received a bill I told them that it was not possible since I was already told not to pay. Then I started receiving calls from ERC and I did tell them about the issue I thought they were going to talk to XXXX and next thing I know they place it on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-03-2017 about Debt collection (Credit card debt) with Amsher Collection Services, Inc. (PR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In my credit report are reported XXXX XXXX accounts that do not belong to me since XXXX XXXX I have done research for a check to be removed from my creditol report Which are XXXX # XXXX balance in Loss {$1100.00} this was opened in XXXX XXXX and XXXX # xxxx in positive, this opened in XXXX XXXX reports that I had a credit limit of {$500.00} that does not belong to me either. Despite the efforts that I have made, it is not possible to verify or the credit bureaus are not doing the appropriate steps to verify who the account is and apply it to the right person. In the investigation carried out now in XXXX I found that the XXXX account in loss reports that it is being paid as agreed which instead of removing this amount continue to report incorrect information. there are also reported open accounts of used XXXX XXXX XXXX # XXXX bal in loss of {$760.00} that does not belong to me and XXXX XXXX # XXXX bal in loss {$630.00} that does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Talbot, Adams, & Moore, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Tablott adams and moore collection agency is reporting an account I have in collections twice on my credit report. I contacted them trying to have XXXX of the accounts removed, considering it is the same account. The representative proceeded to tell me the only way they would remove XXXX is if I paid {$120.00}, even though the balance on credit report is {$95.00}, and that they could not do anything without payment. contact phone number I called was XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: I 'm trying to apply for a personal loan, they state the I have a credit freeze on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Debt collection (Credit card debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XXXX XXXX, XXXX XXXX XXXX XXXX added a debt in the amount of {$500.00} onto my credit file unjustly. I do not have a contract or legal agreement with the company and this debt does not belong to me. I disputed this item with Transunion and XXXX and the item was successfully removed since they failed to provide proof however they have placed the item back onto my credit file again and this is causing my credit score to decrease. I am in the process of purchasing my first home and this is affecting my ability to qualify for a mortgage. I called XXXX and Transunion to have this item removed again and they are refusing to remove the item again.

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 12/26/2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (VA).
Issue: Making/receiving payments, sending money

Complaint: My name is XXXX XXXX live in XXXX Va. Sold XXXX handbags to XXXX XXXX whom gave me a cashiers check dated XXXX/XXXX/2016 {$1300.00}, check # XXXX, routing # XXXX, and bank acct # XXXX, drawn on Fifth Third Bank in XXXX KY which was returned and I called my bank Suntrust who stated looked suspicious so my acct was overdrawn due to this. Called Fifth bank spoke W/XXXX who stated the acct # on check is good but there was no monies on this cashier check and does not know what happened, so I believe XXXX knew this at the time she presented the check and so I feel I got now where with Fifth Third bank. There customer committed fraud. I been sending emails to here about this and she has not responded so I believe she intended to stiff me out of this monies and I would liked this looked into. her email address is XXXX and with offers up email listed as Deals discuss-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CT).
Issue: Application, originator, mortgage broker

Complaint: We are purchasing a XXXX home and are coming close to the closing date. Several weeks ago we were told by our mortgage broker that the application was being reviewed by the appraisers and that it would likely be declined for several reasons. Everyday we ask for updates, and everyday we are told the letter of declination will come later today/tomorrow. Without the letter of declination we could lose our 10 % downpayment to the seller.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Late fee

Complaint: Each month I schedule my Bank of America Credit card payment to be " delivered by '' the due date. For the past 2 months now, they have been charging me a late fee since their system is still processing the payment. If I do not call they will not refund me the fee which ends up costing me time from being able to work or spend time with my family. I am asking that this you instructed Bank of America to stop this practice as they may be collecting fees from people who do not realize for example many seniors.

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 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your TransUnion. in accordance with the Fair Credit Reporting Act, 15 USC section 1681i. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act

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 03/22/2015 about Debt collection (Credit card) with CITIBANK, N.A. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Macy 's Credit Dept continues to call after payment to bring account up to date has been made. They are the only creditor to call if you are one day late on a payment. Also, when the past due amount is made and acknowledged they continue to call because their system does not update the minimum due for the next month after a payment is made. Example - payment amount due on the XXXX of the month is XXXX. It is made on XX/XX/XXXX. Minimum due the next XXXX of the month is not updated with one day late payment. They charge you a late fee ( which I understand ) but continue to call asking for a " post dated '' check for the NEXT month 's payment which is 25 days away. XXXX????

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/26/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Received a statement from  Convergent  on  XXXX / XXXX / XXXX  stating reduc e Balance Opportunity from {$120.00} to {$79.00}. Although I have not conta cted them directly that I can recollect, it is reporting on my credit report which I have disputed, it has been removed and then another collection company picks it up and puts it back on. This debt has been paid in full since  XXXX  when I found out that it had been sent to collection even though I never received a final bill at my forwarding address. I will be filing against the original company  XXXX  also.

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 10-07-2015 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: I have a Health Savings Account with TD Bank. I was notified in early XXXX that they would begin extracting fees from my account by XXXX XXXX. So I paid qualified medical expenses to bring the account balance down to {$0.00}. I called to close the account but I was told because it was a HSA, I had to go into a physical branch location to close the account. So I went to the TD Bank branch at XXXX XXXX XXXX, XXXX NY on XXXX/XXXX/2015. I met with a bank representative to close the account, she took my HSA debit card, and my online account with the bank became inactive. The following month, I receive a statement from TD bank showing the account with a XXXX cent balance from interest earned and the account not actually closed. So, I went back to the same branch location on XXXX/XXXX/2015 to make a second attempt to close the account. The bank representative withdrew the XXXX cent balance, gave me the penny and said that the account was now closed and I should receive a final statement at the end of the month. 
I am still receiving statements as if the account is still open. TD bank will not close the account even though I have brought the balance down to {$0.00} on XXXX occasions and have gone into the bank XXXX to close the account. I do n't know what else to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2016 about Bank account or service (Other bank product/service) with PNC Bank N.A. (GA).
Issue: Account opening, closing, or management

Complaint: I made contract with PNC Bank. I opened business account and contracted credit card merchant service on XXXX 2015. XXXX, who is a sales agent, promised me that I will get total of {$600.00} for opening & activation. From my {$600.00} money credit, she took {$400.00} for credit card merchant service activation fee. Therefore, she said I should get {$150.00} in cash & {$250.00} in my business bank account. However, money never came to me. I contacted main PNC merchant service center & the money back requested never been made since I opened the account. She is ignoring my text message, phone calling since last year of XXXX. She never shows up on any of PNC Bank in XXXX XXXX Georgia.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/26/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I was told by a representative at XXXX ( Wells Fargo foreclosure attorney office ) on XXXX XXXX, 2016 that there was no scheduled sale date listed for my home. Then the next day I was informed that the property was placed back on the list after it the sale was cancelled. I spoke with a Wells Fargo representative today on a recorded line today and she said it did not matter the sale was going to proceed regardless and she proceeded to say they have already responded to my previous request and going to send me the same information. 
There 's a civil action in Florida pending on the validity of the assignment for my property. This civil action was filed because Wells Fargo has not address any of my concerns and I relied on there detriment to honor the {$8100.00} they said I owed regarding the fraudulent assignment. I 'm also sending a copy of the complaint that was served along with the Office of the Governor in Florida complaints that were filed and that the XXXX XXXX was placed on a permanent legal hold.

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 03/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The is an employer placed on my report on XX/XX/2017 which i do not work for

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 04-10-2018 about Debt collection (Other debt) with SYNCHRONY FINANCIAL (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXXand XX/XX/XXXX Lowe's/Synchrony did not post payments to my Lowe 's account in a timely manner. I have repeatedly provided documents from XXXX XXXX to prove those payments were made, in full and on time. Synchrony charged late fees for bills paid in full and on time. Then they repeatedly charged additional late fees for the unpaid late fees until they got to {$290.00}. They stopped charging the late fees when they " ACKNOWLEDGED '' that they had in fact received both payments on time and in full : XX/XX/XXXX paid in full {$370.00} XX/XX/XXXX paid in full {$170.00} In spite of the fact that XXXX provided the documentation proof, Synchrony did not remove the charge for late fees of {$290.00}. Several collection agencies call and harass me and my family trying to get ILLEGAL FRAUDULENT late fees paid. They continual add these late fees to my credit reports as NEW items hoping that I will just pay them anyway

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 09/23/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I am writing this letter to file a complaint against Ocwen Loan Servicing LLC . The problem started when I was going through a divorce. I found out through Ocwen that My Ex husband was not making payments. I went on further with Ocwen to come to a agreement that I was told was going to help me become current. I was told to come up with a {$2000.00} down payment and to follow the payment plan. which I have done for about 18 months now. I was also told that my payment would not change. In XX/XX/XXXX I was diagnosed with XXXX and was hospitalized for 2 months. I was never notified by Ocwen that my monthly payment changed until I talked to my relationship manager XXXX XXXX in XX/XX/XXXX. I have payed extra monthly, which I later found out that the extra I have been paying Ocwen set aside and did not even apply to the back balance. Throughout this process I found out that Ocwen is also charging me for several modification applications and fees associated with that process. I have talked to my relationship manager monthly for over a year just to be told there is nothing they can do for me and I am further behind then when I started there agreement that is labeled Modification Forbearance Agreement. The only goal I wanted to achieve was to keep my house for my family and I feel they have done nothing to help this at all. Ocwen has been marking me as late/non payment on my credit even though I have been paying them on time for over a year now.

Company response to consumer: Closed with explanation