milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2016 about Bank account or service (Savings account) with ALLY FINANCIAL INC. (CO).
Issue: Account opening, closing, or management

Complaint: I set up a new bank account with Ally Bank on XX/XX/2016. On XX/XX/XXXX, they authorized my old bank account at XXXX to transfer all of my funds into my new account with Ally, and did so. On XX/XX/XXXX, I tried to log in and access my new account and was told that my account was locked, and that I should contact the fraud department. 

After calling Ally 's fraud department, I was told that my account would remain locked until I provided them with three more pieces of identification, including a Utility Bill with my name and current address, the front and back of my driver 's license, and the front and back of my Social Security card. I was not given a specific reason for this request, but was instead informed that this was a routine part of the process of setting up a new account. At no point during the process of setting up the account or transferring my life savings into it was I informed that this information would be required. 

I informed them that I do not currently have a copy of my Social Security card, and asked them what else they could do. They said that was necessary to set up my account, so I asked them to cancel it, at which point they asked me to just send the pictures of the utility bill and driver 's license, which I did later that day. 

It has now been a week and I still have not heard anything from Ally Bank, and my account is still locked, preventing me from accessing any of my money. I have called them twice, today and yesterday, and still have received no further information on why my account was locked, or what I can do to remedy the situation.

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 07-04-2017 about Debt collection (Medical debt) with Receivables Management Partners, LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In early XXXX, my husband and I began to investigate items on our credit reports. After seeing many strange items on our report - we went to the credit bureaus to initiate an investigation. Shortly after submitting a request for verification - We received a response from this RMP company in regards to XXXX derogatory items on my credit report. Unfamiliar with the information that they sent me, and since I now had the contact information for the debt collector themselves.. i sent a letter ( attached ) to the creditor asking for further verification. When i asked for further verification to the collection company as to what this was and to verify that this belonged to me ... their response was that they were not required to verify twice. I am incredibly confused by the information that has been submitted to me and do not see how in any way this verifies that the debt was mine. I have been making payments on things that i have had in collections, attempting to do the right thing, but after further evaluation we have realized that we are paying on things that we thought were taken care of already, are old, or just are n't ours, and we are trying to figure it all out so that we can do the right thing. The paper trail does not make sense, and with the lack of and vague responses from the debt collector i am not confident that what is provided is accurate. RMP 's dismissal of my additional attempts to verify a debt that IS NOT MINE is unlawful. This item needs to be deleted by this debt collector as no further verification has been provided that this debt is in fact mine. RMP is being very suspicious in its collection of my debt in ignoring my request for additional verification and is not following the appropriate laws for assuring this debt is mine. It is unforgivable to not provide further information when requested. From my recollection of going to any doctors appointment, my id is scanned - both my id and my insurance card. RMP should be able to provide this at the bare minimum if this is truly mine. If this is not possible, some other form of validation needs to be provided- something with my signature at the least. This is hurting my score and causing my credit limits to be reduced on other accounts. I am very angry and upset with the amount of time this is taking. I should not have to work so hard to have something verified accurately. I genuinely am not sure this item is mine, and am asking you to verify this. I am frustrated that companies are still able to do so little and provide such little information while creating such a great amount of damage.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Credit card () with AMERICAN EXPRESS COMPANY (WI).
Issue: Rewards

Complaint: American Express offered me a bonus of XXXX XXXX " miles '' for opening a new card and spending {$3000.00} on the card withing 90 days. I completed the targeted application, we approved and promised the reward. 
When I did not receive the reward we questioned American Express and was told that I had a similar card years ago and they would not honor the offer. I want to know why Amex would # 1 ) offer me this card, # 2 approve the application for this award # 3 deny me the benefit of fulfilling the offer. I has several other competing offers for my business and decided to give AMEX another chance and have now missed out on several comparable or better offers. 
American Express is making and approving offers that they do not honor and hiding behind small print ... .extremely misleading and deceitful marketing practices from a company I hold in high regard, I hope they make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TN).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: Near med XX/XX/XXXX I open the Sears master card there was a purchase of things cost {$87.00} - {$36.00} as credit the balance is {$50.00} In 23 same Mounth XX/XX/XXXX I left out side the country my mail collected by a freind I came back to america XX/XX/XXXX going thrghue my mail find out the credit balance and charges inXX/XX/XXXX i went there discosed the charges they wave one of the charges and pay the balance of {$120.00} and close my account I explane to them my setwaytion and why i did not pay that bell that if I am in the country i will pay it on time but they report it. It is affecting my credit report what can I do? will you pleas luck at it and do some thing to clear my report of this bad credit thank you Sincerely XXXX XXXX phone : XXXX Email : XXXXXXXXXXXX

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 11-07-2015 about Bank account or service ((CD) Certificate of deposit) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: I was a former Scottrade Bank customer ( I closed my account after what I consider to be a complete failure of Bank responsibilities when Scottrade announced that over XXXX XXXX customers had their very personal information breached ), see here : XXXXI closed my account because Scottrade refused to answer my questions about the data breach and had a generally unhelpful and unconcerned attitude towards the situation. Considering I 've been a victim of identity theft before, I am very concerned. 

Late week, I found that others are having identity theft problems as a result of the databreach and if you review XXXX and a google search for " XXXX Scottrade '' you will see that in as early as 2013, Scottrade was warned about security flaws but apparently did nothing. This is most concerning, in one of the FOIA requests obtainable by searching " XXXX " Scottrade '', Scottrade admits to being in receipt to a tip that detailed the exact flaws within Scottrade 's database system. 

Bottom line is, I am unhappy with Scottrade service and upon discovery that Scottrade failed to investigate warnings of failed security, I will be pursuing action against Scottrade. In this, I kindly request Scottrade provide me with a copy of the arbitration agreement.

Company response to consumer: Closed
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was the victim of identity theft in XXXX 2017. I have called Target, XXXX XXXX, XXXX and XXXX XXXX to let them know I did not apply for cards with them but it was identity theft. After 30 days of not hearing back I then mailed them letters stating that I did not try to open an account and I wanted them removed from my credit report. <P/>Sadly, I have not heard back from one of the companies above in reference to this or how they are going to remove from my credit report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Account not being updated. my deposits are n't being  showed to 3rd  party companies to allow their records to be updated

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working with my lender Wells Fargo regarding loss mitigation options. I have provided all supporting documents and now the day before the sale they are asking for additional information in which I did send in right away however they are saying the sale for tomorrow has not yet been postponed because there may not be enough time. I strongly feel my rights are being violated and that I may lose my home although I have done everything on my part to follow up and send in information requested.

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 11-03-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (KY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I RECENTLY RECEIVED A LETTER OF GARNISHMENT FROM MY EMPLOYER. I CALLED THE LAW OFFICE OF XXXX XXXX XXXX LAW FORM TO CONFIRM THIS WAS ACCURATE. 
THIS COURT NOTICE WAS ACTUALLY SENT TO THE WRONG ADDRESS AND DID NOT MAKE IT TO ME IN TIME TO SETTLE IT, SO NOW THEY ARE GARNISHING MY WAGES FOR 25 %. THIS IS RIDICULOUS. IF THE CONTACT INFORMATION WAS CORRECT INITIALLY THIS WOULD HAVE BEEN TAKEN CARE OF AND WOULD NOT HAVE GOT TO THIS LEVEL.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX and XXXX are two different Company showing on my credit report and I know anything about this. This is fraud and I know anything about this reporting on my credit report. 

XXXX, I have no knowledge of this account and XXXX, this is unverified account

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 02/15/2016 about Debt collection (Auto) with INGRAHAM & ASSOCIATES, P.A. (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: XXXX a debt collector attorney purchased a Charge off from XXXX XXXX and then Fraudulently filed a Judgement against me XXXX/XXXX/XXXX, using XXXX XXXX XXXX XXXX to be named as Plaintiff. I XXXX XXXX was never informed or served notice to attend Court. The account was reported delinquent in XXXX XXXX and The Vehicle was repossessed and returned in XXXX. Upon numerous attempts in contacting XXXX XXXX I am told that that XXXX has no Judgement filed against me. As of XXXX/XXXX/XXXX XXXX submitted a letter by mail to me stating that XXXX does not " report '' judgements and to contact the debt collector. How can XXXX be listed as a Plaintiff '' if XXXX does not report Judgements? As a Texas resident Statute of Limitations on Auto contracts is 4 years

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 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/XX/XXXX - XX/XX/XXXX   {$10000.00}  XXXX   XXXX   XXXX  says I owe Dispute after dispute after dispute to no avail ...   Contacted t he Better Business Bureau  and reported incident Reported to  The Attorney Generals Office  and told entire story Called  XXXX   XXXX . Talked to a representative that assured me this would be rectified and taken off my report, but failed to do so.

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 10/21/2015 about Bank account or service (Checking account) with Empowerment Ventures, LLC (TX).
Issue: Deposits and withdrawals

Complaint: I'am complaining about this rushcard problems I need my money, lost my apartment and card because I ca n't access my account for a whole week I'am XXXX sick of this mess

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/16/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I try and opening a account with wells fargo i want to know why it wont let me and they told me to contact the consumer finance for more info

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Credit reporting () with Experian Information Solutions Inc. (ND).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: see attachment. 

They still have not provided the support documents to verify the debts. No physical support documents. The information needs to be deleted. 
I have been waiting for months now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX reported to all three credit bureaus ( XXXX, Experian and XXXX ) that my credit card account was close which resulted in my credit score dropping. I use XXXX to monitor my credit and get alerts. XXXX XXXX reported this incorrect information to Experian on XXXX, XXXX on XXXX and XXXX on 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 12/25/2017 about Debt collection (Other debt) with AFNI INC. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: THE AMOUNT DOES NOT SEEM RIGHT AND IT NOT FROM THE CELL PHONE COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I sent XXXX a letter requesting proof on letter head stating the procedures used to verify this account I asked for proof of verification on courthouse letterhead the name of the person who verified the public act The public act should only be verified by the furnisher which is the bankruptcy court, not a third party such as XXXX or XXXX. Equifax never sent me any information within the 15 day period pertaining the business name address and contact information I requested thats violation number one violation two Equifax sent me a credit report that says verified thats not what I requested and thats not proper protocol when the creditor request for proof. Equifax also have the wrong date equifax has XX/XX/2014 in which it should be XXXX/XXXX/2014. ( paper work attached showing dates ). Im requesting complete deletion of this account. SENDING ME A CREDIT REPORT THAT SAYS VERIFIED IS NOT WHAT I REQUESTED AND ITS NOT PROTOCOL.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had to re apply for a deferment I sent emails with the required documents, but  XXXX  " never received it ''. It took them months to finally get what I was sending to them. When it was received they back dated my deferment and made it current. They never updated my credit report to reflect they update. I tried speaking with someone there and they are reluctant to help.     The dates in questions is  XXXX   2016  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 05-05-2015 about Debt collection (I do not know) with Platinum Holdings Group, LLC (FL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: On XXXX/XXXX/15 I received a phone call from a man who said he had to " qualify a file. '' He did not identify what the file was regarding. He only said he was " gathering information. '' I refused to speak with him and told him I did n't know who he was and therefore would n't provide any information to him. He then transferred me to a woman and when I asked her what this was regarding, she said XXXX. I immediately hung up. According to my credit report, XXXX wrote off and closed this account. 

On Friday,, XXXX XXXX, 2015, I received this voicemail message : " This is XXXX XXXX. We need to qualify this file that is in review. I 'm sure we can help you sort something out but we need to talk about it. I 'm trying to prevent calling you at work. This is a courtesy call. '' On Monday, XXXX XXXX, 2015, my landlord received a message from a woman named XXXX for me claiming she was from " Worldwide '' and that she had to speak to me. She left a phone number that was similar to XXXX XXXX 's XXXX ( XXXX XXXX number is XXXX ). I then received a phone message as well stating that she was having a meeting about the file in the morning. 

When the woman called, she somehow hid the phone number she was calling from and it just showed " XXXX '' XXXX. 

I then sent a text to the XXXX number demanding that they cease calling me and my landlord. That request was ignored. 

On XXXX/XXXX/15, I received a phone call from " unknown '' at XXXX.. I then got a second call from " unknown '' at XXXX. At XXXX, I received a phone call from XXXX XXXX XXXX . He stated he 's calling me with some very important information that I need about the property on XXXX. I do not have any kind of financial interest in the XXXX property. 

On XXXX/XXXX/15 I received the following phone calls : XXXX ( XXXX ) from XXXX and at XXXX Unknown No messages left. 

On XXXX/XXXX/15 a woman named XXXX left a message for me on my landlord 's phone saying I needed to call her. It was a XXXX/area code number. She did not say what the call was regarding or why I needed to call her. 

On XXXX/XXXX/15 I got a call from Worldwide Asset Services XXXX that was an automated message. It stated that they 've left messages for me to call them but I have n't returned their call and it 's very important that I call them. The number they left was XXXX. Same message was left on my landlord 's phone.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX credit line and amount owed are too high..limit should be XXXX owed should be 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 02-01-2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NE).
Issue: Trouble during payment process

Complaint: We switched insurance companies and we received a refund on our prior policy premium. Bank of America ( XXXX ) asked to have this check forwarded to them so our Escrow account balance would not be low on or about XX/XX/XXXX. I signed and mailed in the refund check to XXXX. They returned the check since my wife did not endorse the check too. 
Inside of this returned check was a generic statement of why the check was sent back dated XX/XX/XXXX with our name. there was also someone else information in this envelope as our returned check was stapled to the information. The other individual paper work was the same generic letter dated XX/XX/XXXX which contained their name, address, and loan number. This is a violation of the XXXX XXXX XXXX XXXX. 
I contacted XXXX  on XX/XX/XXXX to find out more information in terms of if my information was sent out to the person 's information that I received or to someone else. The customer service rep had no information and stated that there was no other department or service that could assist with this matter. They did ask for me to mail back the other individuals information, which I will. With XXXX having access to valuable/life changing-threatening information and they can not and do not have a process to be able to track or tell me where or if my information has been breached needs to be addressed. A simple I am sorry from the customer service rep does not address or complete the process to address this issue. 

Looking on the internet this was the only government body to place a complaint, I could not find on specifically for the XXXX. If this is not the correct place to make this complaint, can you please direct me to that governing body? 

I do have copies of the information, but I will not attach to this part of the complaint.

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