milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Disputed previously with Transunion. 
XXXX XXXX Reporting is outside of the statue of limitations. Date opened was XXXX/XXXX/XXXX. It is XXXX/XXXX/XXXX. In the State of Ohio, a debt can only be reported for up to 7 years. This has been on my report now for 8 years and 11 days. I want this removed from my credit report within 24 hours, and a reward of {$25000.00} for Defamation of Character.

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 04-04-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Billing statement

Complaint: I have had a Bank of America card for 17 years. Within the past year, I 've had XXXX problems with this account. 

The first problem is that the emailed statements have not been delivered regularly since XX/XX/XXXX. This has resulted in several late charges. I checked my junk mail folder and deleted items. I received a statement on XX/XX/XXXX and Did not receive another unil XX/XX/XXXX. This leads to the second and more serious problem ... 

I logged into my account on XX/XX/XXXX to pay my account. This payment did not go through. Bank of America has a record of my log in, however ; they do not have a record of my payment. In XXXX, frustrated with the late fees and the email problems, I paid off my balance and cancelled my card. On XX/XX/XXXX I recieved another statement. Again, my payment did not go through. I called Bank of America and was told that they had a record of this payment, but that they ( Bank of America ) had cancelled it " for some reason, maybe it was a glitch. '' This transaction was cancelled with out my concent and without notification. 

I 'm trying to get the late fees reversed for the XXXX, XXXX, and now XXXX statements. After an hour on the phone, Bank of America admits their mistake with the XXXX transaction, but not XXXX. The Bank of America representat stated that the case is currently pending an internal investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/27/2016 about Credit card () with Colony Brands, Inc. (FL).
Issue: Other

Complaint: I wrote a letter to Montgomery Ward asking the company to provide me proof of my written signature. They in turn sent me a letter denying my request and deemed this as frivolous because I did not specifically ask for anything in my request. I clearly asked for written proof of my signature. Under the FDCPA Laws and the FCRA laws it is required that they can furnish me written proof of my signature validating that this debt is in fact mine, by them sending me a letter in the mail does not comply with my written request. They are violating my rights and the law by not furnishing me this information. I am to believe that because they chose to send me a letter instead that they can not provide me this information therefore they must cease collections and remove the debt from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Debt collection (I do not know) with I.C. System, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The call was coming from an unknown number and had called XXXX times yesterday, in increments 4 hrs apart, and again at XXXX this morning. I finally answered assuming it was important. A female caller asked for me and I said this is she. She then asked to verify my address. I asked her to identify herself and she provided her name and some random employee number but DID NOT identify where she was calling from. I asked her again WHERE she was calling from and she refused to do so. She said I am calling about an important private matter and I need to verify your information first. I told her I was NOT giving her any information until she advised where she was calling from. She refused to do so and said " thank you we will try another time '' and hung up on me. I did research online and found the number belongs to IC Systems. I am not aware of any outstanding debts at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Please see the attached documents. I am requesting that these items be removed from my credit report as they are a part of a pending litigation, which I do not wish to involve additional parties in for willful non-compliance.

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 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Problem with fraud alerts or security freezes

Complaint: I froze all three accounts at the credit agencies after XXXX 's breach of trust ( and data ) and signed up for XXXX. Just after XXXX XX/XX/XXXX, I received an email from XXXX 's XXXX that a credit inquiry was made on XX/XX/XXXX. 

I am aware ( and specifically permitted ) the inquiry but it was performed the morning of XX/XX/XXXX. 

I am concerned about the lack of timeliness of the notification and its inaccuracy. If someone had succeeded in creating the loan or gotten into my accounts, they would have been long gone by the time I was notified. And, the misinformation given would not help in identifying who or when the inquiry was made. 

When someone " new '' logs in to my bank or other financial accounts, I get email and text notifications within minutes of the event. XXXX  should be able to do the same thing. 

Attached are 1 ) the Equifax email as a PDF showing date and time, 2 ) a screenshot of the XXXX   showing the date of inquiry as XX/XX/XXXX, and 3 ) a screenshot of the approval email from my bank with a date of XX/XX/XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I made several good faith attempt to settle my account with Santander. They repossessed my car without my knowledge and submitted everything to a XXXX XXXX that I no longer use. They are constantly adding additional fees to my account which should be closed. I am requesting that these charges be removed from my credit file. I do not think that they handled my case accordingly. The interest rate was extremely high. The communication to help for financial hardship was poor.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Debt collection (I do not know) with Credit Card Receivables Fund Incorporated (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Unifund CCR Partners put a hold of {$5000.00} on my checking account. I never received anything in the mail in regards to this debt. They state I owe {$11000.00}, I do not have any debt, have not had a credit card since 2002. Nothing shows up in my credit report. 
I am XXXX yr old man, on SS and workers comp. The bank XXXX, let this happen as well. I have my SS and XXXX direct deposited to my account. Both XXXX and Unifund are in the wrong. This was done on a Friday and I am not able to do anything until Monday. This is causing me stress as I am on a fixed income. 
I am taking legal action for this illegal practice. How can a company put a hold on money without proper notification. I never received a summons.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (PA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: We mailed full payment of {$67.00} due  X/XX/17    to Target on  XXXX . Due to two federal holidays that week, payment was received and posted by  Target  1 day late. We were out of town for 3 months and did not have mail forwarded as we pay all our regular monthly bills electronically so we did not see notice that Target received our payment  one  day late. Cumulative fees were charged each month until we returned home on  X/XX/17    and found a bill in the amount of {$96.00}. This was only for late fee s (  late fees on top of late fees each month  )  even though  Target   received payment in full in  XXXX . I contacted Target several times and finally spoke to a supervisor who said they could not waive the late fees even though payment was made. I sent a letter appealing to  Target  headquarters that this seems unfair and excessive particularly since bill was paid. I received no response. We pay all our bill on time, in fact we pay early and are proud to have an excellent credit rating. Target reported this incident to the credit bureaus which undoubtedly will impact credit rating. I feel this practice of charging late fees after a bill is paid is unfair and excessive and impacts our credit rating and we paid more in late fees than the actual bill even though they were paid.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I went onto the free website, I received easily, XXXX and XXXX all done on website. Equifax no. Last 2 years, you ca n't get your free credit report unless doing onerous requirements plus nothing can do by email or on line. They make you do by mail, then have to make numerous copies of things and then send to them by mail. If they make it to get it this hard, it must be impossible to correct anything with them.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For the better part of the past year, we have been working with XXXX to resolve an issue related to an early termination fee and failure to return equipment due to a temporary move to California for work. We were advised by a XXXX customer representative in writing that this error should not have occurred, yet to date it continues to persist and we have received several phone calls and written notices attempting to collect on an unpaid amount totaling {$1000.00}. This amount was acknowledged in an email by a XXXX XXXX XXXX with XXXX as an error on their part and that we did not owe this amount to their company. They have sent this amount to collections ( via Convergent Outsourcing, Inc. Acct No. XXXX ) XXXX now and have failed to act on the agreement they have provided in writing to us. That agreement stated that they actually owed us {$140.00}, yet this has not been refunded accordingly. The XXXX case number referenced in this case is XXXX and through their debt collector as case number XXXX. We have records of over a year 's worth of telephone and email transactions stating that the XXXX 's did not owe the amount requested, yet as of XXXX XXXX, 2015 it still remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: receivables performance management LLC. IS CALLING ME DAY AND NIGHT AT HOME AND JOB.A BOUT A ACT I DONT NO NOTING ABOUT MAKEING THREAT THAT THEY ARE GOING TO SEND COP TO MY HOME AND JOB.

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 12-09-2015 about Money transfers (Domestic (US) money transfer) with PNC Bank N.A. (MD).
Issue: Other transaction issues

Complaint: Recently, my daughter and I settled on a house she was purchasing for herself and I was selling on behalf of my parents ' estate. My now-deceased father had a reverse mortgage ; so, essentially, my daughter refinanced the home in her name. Throughout the process of my daughter obtaining a loan from her financial lender, the reverse mortgage company and it 's attorneys pursued foreclosure. During the process of attempting to take over the property and without the knowledge of the estate, the reverse mortgage company made a highly unusual payment of taxes on the property. As the personal representative over the estate, I also paid the taxes. I was later informed through the title company that the taxes were current through XXXX 2016 and that the overage would have to be settled on the day of closing. However, instead of the title company XXXX XXXX XXXX XXXX of XXXX XXXX Maryland XXXX remitting a check due back to me as the seller on behalf of the estate, XXXX XXXX XXXX illegally credited the reverse mortgage company money including part of what the estate had paid. In an email message to the reverse mortgage company requesting the refund due to the estate, I copied the title company. The title company 's representative was very rude responding to the message. However, in her rude response, she states that the money is/was due to the seller. XXXX XXXX in representing XXXX XXXX XXXX used her position at the company to require my daughter to send money to XXXX XXXX in order to close on the desired property. She also used her position to illegally falsify documents in order to credit the reverse mortgage company and finally made an unauthorized wire of funds to the reverse mortgage company that was due to the seller/estate. The actions of XXXX XXXX Company and/or it 's representatives lead me to question how many times they have falsified documents in hope and anticipation of the seller and buyer 's lack of knowledge. Please address this current issue with XXXX XXXX Company. Additionally, an audit of their previous records and dealings should be conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Mortgage (FHA mortgage) with Stearns Ventures, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My payments with Stearns were {$960.00} to start in XXXX XXXX. This was to include my escrow for HOI and taxes along with my PMI. XX/XX/XXXX they started taking out {$14.00} for my PMI. I never disputed because I did n't know there was an issue. In XX/XX/XXXX they did an escrow account analysis and then sent me a disclosure that my payments were going to be $ XXXX They erroneously took the entire deficient and put my escrow account in the RED by thousands of dollars. Stearns not deducting the correct amount for my PMI actual put me into a financial hardship. I have made numerous phone calls trying to get the break down for the escrow account and to also to try and figure out where the disconnect was in the amount increase. After 86 hours of making telephone calls and getting the run around I gave up trying. I hope since now I see that I am not the only person with the same complaint something can be done. I had to bring over {$4000.00} to the closing table to get a refinance because of their negligence. They also said to me that if I were smart I should have picked up on the incorrect payments, with that being said you have to be of a certain caliber to own a home. This is a total disgrace to the mortgage industry and the scams that occur every day.

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 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I already contacted the XXXX bureau and spoke with a representative who refused to removed reinserted information based on the error they made on my report and they ignore my concern after numerous letters and phone calls. I had no written notification regarding these inquires The hard inquires I'm concern about is XXXX XXXX, XXXX XXXX and XXXX. I would like these to be permanently from my credit report. Please look into my issues that is real concern to my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Late fee

Complaint: Reference : Citi XXXX XXXX Card I paid a balance due on XXXX/XXXX/16 of {$220.00}, the payment was due on XXXX/XXXX/16. That payment gave me a {$0.00} balance. I have called and spoke to XXXX different people about a {$25.00} late charge. The statement says no payment was made by the due date thus the late charge. The {$25.00} charge was debited to the account on XXXX/XXXX/16, this is 6 days after I made the payment of {$220.00}. I have asked for the {$25.00} late fee be removed from my account. The CSR 's I spoke to told me I have to wait for a call from a supervisor.

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 06/28/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, XXXX, I checked my banking activity online and noticed several transactions that I did not recognize. I phoned the SunTrust to report this but live phone representative hours were closed. Afraid that someone may have accessed to my debit card details, I went to the nearest Sunburst and pulled out the largest amount ( {$340.00} ) I could. I tried again the next day ( Sunday ) and found that the bank phone hours were closed but followed the prompts and got a live representative to file the transactions fraudulent and to close out the debit card. 
The representative sent me a Affidavit of Fraud to fill out, sign, and return. I did that, signed on XXXX/XXXX/XXXX, and faxed over on XXXX/XXXX/XXXX at XXXX to the fax number provided. 

On XXXX XXXX, XXXX, I received a letter dated XXXX/XXXX/XXXX from SunTrust that they were closing the account. I did not understand why nor were they willing to provide me with a valid explanation. Later, I found that they denied my claim of fraud. I asked them why and representation would not tell me and said I could send in a rebuttal form. I requested that they send all information on the case along with all documentation and reason for their decision and also that they send me a rebuttal form. I have sent the rebuttal form and have not heard back from SunTrust since. 

I have not received any documentation on the reason why or any such documentation pertaining their decision. After going through old documents, I found all the documentation that I submitted and realized nothing was sent to me in regard to their decision. I called SunTrust on XXXX XXXX, XXXX to request an update. Found out they had closed it out. I have filed a police report with XXXX Police Department ( Report Number XXXX ) and XXXX County Sheriff 's Department ( Report Number 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 explanation
Consumer complaint received 09-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX/XXXX/2016, I 've sent a dispute to IC System regarding an XXXX account XXXX that has been paid. The agent name XXXX XXXX told me to send the letter and they will forward it onto XXXX to resolve this account I have been disputing for years. On XXXX/XXXX/2016, I called IC System at XXXX to get an update of my account, but the rep transferred me to an XXXX account receivable rep. name XXXX. XXXX asked for my name, account number, social security number, and address. XXXX with XXXX stated she do not show that I owe anything with XXXX for a u-verse account. I asked her please help me with IC system because they keep telling me that they are collecting these funds on behalf of XXXX. This has been a constant battle and I feel it is unfair for them to report on an account that has been paid and resolved. 

On XXXX/XXXX/2016, I asked the gentlemen at IC System to provide the XXXX Dept. name and XXXX phone number that is consistently reporting this XXXX Account balance of {$270.00}. The rep at IC System stated that he can not provide the name and number ; they only contact with XXXX is by me sent a dispute letter to forward to XXXX. I have sent a letter of dispute on many occasion, but it does not seem like IC System is forwarding the information to XXXX to resolve my account. Here I go again with the same run around by IC System ; IC System has not provided proof they have contacted ATT to delete the account that has been paid and resolved.

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 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Back in 2011 we paid one of our payments on line. We were notified that the payment went thru on their online system. It was n't until months later that we were notified that it did n't go thru. By that time we had 3 -30 day late payments on our credit report since it had put us a payment behind by not having that payment go thru. We were told that the problem would be fixed with the credit bureaus by the company but it never was and we have tried repeatedly to have it removed by disputing it with the credit bureaus with no success.

Company response to consumer: Closed with explanation