milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: For the last year, I have continuously disputed the debt with the collection agency and three credit bureaus. I have never received notification from the original creditor or collection agency regarding the two debts owed. I repeatedly disputed and Credit Collection Services failed to provide validation of debt and continue to report the account to the bureaus. 

The amounts of the debts are ; {$440.00} and {$380.00}. The accounts are still showing up on my XXXX XXXX credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: In XXXX I set up a {$10000.00} line of credit for my small business with Bank of America. I understood that I would be paying back this loan in increments and that they would be automatically withdrawn from my checking account. I never ever received any statements in the mail. Over the ensuing years I admit that I forgot about this debt, but assumed that the withdrawals the bank had been making had wiped it clean long ago. 
This past Saturday I decided to review everything online and discovered that, for the past 18 years BofA has been withdrawing about {$90.00} from my checking account monthly but then slapping that account with an equivalent finance charge of virtually the same amount. So I estimate I 've paid the bank about {$18000.00} over the 17 years and my balance due has only been reduced to {$9700.00}. I was absolutely shocked!!! To add insult to injury, the bank also has charged me a $ XXXX/year membership fee!!! Insane! 
The bank has claimed that they did not have my correct address and therefore no statements could be sent. But all my other bank statements are mailed and received. And all the statements I could retrieve online ( only as far back as XXXX although I 've ordered earlier ones ) all have the correct address printed on them. 
For the past decade I have been very diligent in paying all my bills down to XXXX balance every month. But without getting a statement, I had no idea about this debt hanging over me. I could have, and would have, paid it off many years ago. 
I called the bank on Saturday but received no satisfaction. Basically, they claimed that they did nothing illegal and therefore were under no obligation to forgive anything. The most they would consider would be to wave the last three months of finance charges. End of story on their part. 
I do realize that I am not totally in the clear ... I should have been diligent and aware, but the account was set up long before there was any online banking. So without printed monthly statements ( like I have received for every other loan I have ever been involved with ) it is easy to lose track. When I look online, now I see that they list a balance of approx {$9700.00}. But, honestly, because that number has never changed for years, and I have n't used the line of credit at all, I have assumed that was the amount that I had available. 
So basically BofA had constructed an easy $ XXXX/month money-making machine which would have gone on indefinitely as long as I did n't figure it out myself. They in no way ever attempted to contact me through phone or email or other means, although they have contacted me plenty about all sorts of new products and services. 
Please help! 
( note : I am attaching the most recent statement that I found online from XXXX 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 monetary relief
Consumer complaint received 03/15/2017 about Debt collection (Medical) with GLA Collection Company, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was XXXX when this was opened and in a foreign country. I did not receive any notifications at all on this. I was unaware of this going to collections. Is there a way that I can just have this removed due to the Sailors relief act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (CT).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I got a call from XXXX XXXX XXXX telling me to pay the amount of my apartment settelement. I moved from XXXX XXXX apartment on XXXX of XXXX and I got a bill to my new condo on XXXX of XXXX stating that I need to pay {$990.00} for cleaning and carpet replacement. I wanted to talk to them to negotiate the money as I was in the aprtment for 7 years 4 month. The Agnecy was insting me to pay over the phone which I declined and they told me they will report as a dispute and will impact my credit history

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This complaint involves XXXX companies that each claim innocence. They each tell me to talk to the other company and none offer any method to resolve the issue The companies are XXXX TransUnion and XXXX Specifically ; XXXX XXXX Provides me My XXXX score and an explanation for any change as follows ; Your XXXX ( XXXX ) Credit Score is based on your TransUnion credit report using the XXXX ( XXXX ) Score XXXX. 

The " problem '' is that that after months of having a XXXX score at or near XXXX, my XXXX score dropped to XXXX as reported by XXXX XXXX XXXX. The Credit Card offers a free XXXX score updated monthly. XXXX, shows the reason for this decrease is : " 1. PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH The balances of your non-mortgage installment loans ( such as auto or student loans ) are high compared to your original loan amounts. As you pay down your loan your balance decreases, which reduces the proportion. '' The key to the above statement is " NON-MORTGAGE installment loans ''. are HIGH. 
In reality, the only financial activity that I was involved in was a refinancing of my HOME Mortgage. In fact, the action was to refinance an existing balance at a reduced interest rate with no cash out. Bottom line is that there was no change in outstanding debt, the only change was a debt that is now 100 % of the " new '' mortgage balance as compared to, approximately 75 % of the " old '' mortgage original loan. REMEMBER ... the debt amount is exactly the same! Also remember that this is MORTGAGE debt ... Not the " non-mortgage debt '' as referenced in the XXXX Card explanation for change ( decrease in score ). 
Upon discussion with XXXX, they directed me to TransUnion, who can not /will not explain the change and they blame XXXX as they are the company who determines the score.When I discuss the problem with XXXX they in turn blame TransUnion who provides the data for the XXXX score determination. 
So as a consumer, I am directed into a XXXX way loop of blame, XXXX blames TransUnion, who blames XXXX XXXX ... who blames TransUnion. I have experienced a significant change in my XXXX score that is unwarranted. The fact is, that by refinancing at a lower rate, I have lowered my monthly payment, which in fact ( common sense ) should improve my credit score. There is a significant problem in either TransUnion '' s classification of Debt type or in XXXX formula for XXXX score determination. This case shows that consumers who refinance could and some cases will experience a significant decrease in their XXXX score, which in turn can have a significant negative impact on future borrowing costs

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Bank account or service (Other bank product/service) with U.S. BANCORP (NV).
Issue: Account opening, closing, or management

Complaint: The response received by the US Bank, XXXX XXXX XXXX, Cardmember Services, XXXX XXXX XXXX, XXXX, ND XXXX dated on XXXX/XXXX/2015 is unacceptable as follows : Records found in the US bank card member services files, indicated that, the US bank 's letter of XXXX/XXXX/15 send by XXXX XXXX, Executive Communications, clearly explained that the US Bank made a MISTAKE in obtaining a Hard Inquire on XXXX/XXXX/2015. Having this information on Record, the US bank did removed the HARD inquire. But, on XXXX/XXXX/2015, the US Bank did traspass my personal e-mail address, send me the same credit card application, AGAIN, via my personal e-mail address : XXXXXXXXXXXX. Having received this offer, again, I thought that the US Bank was Re-Considering the previous denial of credit due to " limited credit experience ''. Consequently, due to this error made by the US Bank to offer again a credit card previously denied, I kindly request from the US Bank to remove their HARD INQUIRE which had damage my credit score and is preventing me from obtaining the credit I desperately need at this time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Checking or savings account (Checking account) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I opened a Business Account in Union bank in XXXX, 2017 and was asked to keep {$2500.00}, and the Bank will not charge me a fees, this is the third time they are charging me a fees of {$5.00}, earlier they charged me {$7.00} XXXX times and I have to call in to get the fees waived, I have other things to do, I can not waste my time doing all this, they shouldn't be charging me a fees as I am doing all the things which I am supposed to do.

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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I received a credit denial today from a bank when I was trying to finance a car. There is a credit agency called SAGE STREAM that I 've never heard of. When I find them on the internet and ask to see my report I have to send in a letter with a copy of my DL? One the reason they denied me was limited history for consumer at the this phone. I 've had this SAME number for 15+ years. Then it states too many recently opened accounts and then too few active accounts?

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 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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 have repeatedly disputed and requested verification and validation of the debts listed below for over two years now. Equifax has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. 
During this time, I have experienced the adverse results of your erroneous reporting, including denial of credit and housing, reduction and closure of credit lines, loss of property, near foreclosure, incurrence of usury interest charges, and emotional distress. To properly validate a debt by law, Equifax must provide me with a copy of the original contract signed by and obligating me to this debt. If Equifax can not provide such proof of debt validity, the account must be deleted form my report. Equifax has negligently and willfully failed to properly investigate the disputed debts, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance.

Acct Name Acct # Status XXXX XXXX XXXX Not Validated XXXX XXXX XXXX XXXX XXXX XXXX Not Validated XXXX XXXX XXXX Not Validated

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Bank account or service (Checking account) with BB&T CORPORATION (MD).
Issue: Problems caused by my funds being low

Complaint: i would like to file a complaint against BB & T for unfair overdraft fees. I appreciate that the banks offer of overdraft protection however, in 2015 I have paid over {$1000.00} in fees. Just in XXXX 2015/XXXX 2015 my fees alone totaled {$360.00}. I have reached out to the bank for assistance and they will only adjust your account for overdraft fees every 24 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Payday loan () with Delray Capital, LLC (MI).
Issue: Can't contact lender

Complaint: I am being contacted from a collection agency that states that I recieved a pay loan from a company that I never applied to or recieved money from. Delray Capital been harrassing me stating that I owe their client money from a loan on XXXX XXXX 2013. I asked who was the company and they state that I wouldnt know the company because they bought the loan from the originator but wouldnt tell me that company name. The rep XXXX XXXX ext XXXX stated that the loan amount was XXXX but with fess I owe XXXX dollars. He stated that if I sent in proof there was nothing deposited I will be fine. I sent in proof that there was no deposit and he got is " manager '' XXXX on the phone who proceeded to begin threating me and my identity ie ssn, DL etc. I was told they will get their client money. I have never recieved any money from the online pay company.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted each company to have the inquiries deleted and I was informed to contact the credit bureau and they credit bureaus told me to contact the company. Unsuccessful with both companies and the credit bureaus. I cant seem to catch a break. 

XXXX XXXX XXXX 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 03-12-2017 about Bank account or service (Cashing a check without an account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NM).
Issue: Account opening, closing, or management

Complaint: I receive a check written on Bank of America from an attorney for refund the of products furnished. The bank of America branch near my home would not cash it because I wrote my name on it instead of him XXXX handwritings then they want to charge me for cashing their on checks. I thought in U.S. 
that banks had to honor their customers checks written on their bank. 
bank of America say they are bigger than us and do not adhere to any regulations they set their own regulations.

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 02/20/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with Ditech Financial LLC (NC).
Issue: Trouble during payment process

Complaint: I've been working with my mortgage servicing company asking them to offer the investor a negotiated settlement. I've written a few letters to the servicer, Ditech Financial sharing my rationale but Im told that as a matter of policy that's not shared. They, Ditech, simply make an offer to the investor and, neither negotiate in good faith on my behalf nor present my " side of the story '' as it were. Alas, I dont believe they are representing my interests. 
I'd covet help from the CFPB to have the servicer take a more active and productive in role in getting my offer - with supporting documentation - to the investor. 
Additionally, I've been asking for nearly a year to get all interest payment data and total progress on paying down my principal balance and Ditech has been generally unresponsive and what they've provided has been insufficient. So, here again Ditech Financial demonstrates a slowness to respond and is generally less that competent when they do. Frustrating.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (TN).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: XX/XX/XXXX I WENT TO TARGET TO MAKE A PURCHASE WITH MY XXXX CARD AND IT WAS DENIED. ADVISED TO CALL THE ACCOUNT MANAGEMENT NUMBER WHICH XXXX, SPOKE WITH A MANAGER NAME XXXX IN XXXX AZ ID NUMBER XXXX, HE INFORMED ME TO CALL MY BANK SO THEY COULD HEAR MY ACCT INFO ADVS IM NOT BECAUSE A PYMT WAS MADE ON XX/XX/XXXX, AND FUNDS CLEARED MY ACCT ON XX/XX/XXXX, HE ALSO ADVISED THAT IT SHOWS MY CLEAR MY ACCOUNT PYMT WAS CLEARED. HE ADVS ONCE I CALL MY BANK AND HE HEARS MY BANKING INFORMATION THAT MY CARD WOULD BE ACTIVATE AGAIN. I REFUSED THEN ASKED FOR HIS SUPERVISIOR HE REFUSED TO TRANSFER ME TO HIS SUPERVISIOR OR GIVE ME THE COPR OFFICE NUMBER. I ADVISED HIM ITS AGAINST THE LAW AND HE STILL REFUSED ALL INFORMATION. HE ALSO REFUSED TO GIVE HIS LAST NAME AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Hello, I disputed an innacurate collection account ( XXXX XXXX ) with Transunion which came back verified. I have sent XXXX XXXX XXXX XXXX a debt validation letter which they received on XXXX XXXX, 2015 XXXX and they chose to ignore many questions in my letter concerning my request for validation. Transunion have come back to me and stated that they were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 
I have enclosed copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency.The FCRA requires Transunion to verify the validity of the item within 30 days. If the validity can not be verified, they are obligated by law to remove the item. If Transunion continues to verify this collection instead of deleting it, I would like for them to send me all information on file pertaining to this account per FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer :

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was putting my information in to Experian for my free review. Once I submitted the information the site stated that they had a technical issues and for me to exit the site. I was n't given the chance to review the results later or through the mail. Even though it was an error on their side, because I attempted to get the results I have to wait a year for the free report 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 05-04-2015 about Credit reporting () with Experian Information Solutions Inc. (MS).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I am in the process of improving my credit score. When I notice that XXXX Bank and XXXX has done several inquiries on my credit report without my permission. I had purchase a car though them in XXXX, but the inquiries are in XXXX. XXXX report has XXXX inquiries and another has XXXX. Recently, I saw that XXXX XXXX has done XXXX the end of XXXX of XXXX. These inquiries were with out my permission. I sent a letter to the credit bureaus about the XXXX the bank has received, without a response. This is inappropriate action on the credit bureaus behalf.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am disputing the derog reporting on my credit report. I do not have nor did I apply with the creditor.

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 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.C. System, Inc. (MS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In XXXX XXXX, I switched cell phone carriers from XXXX to XXXX. After becoming a XXXX customer, I was eligible for the switch promo XXXX was offering new customers. This meant that new customers could submit their final bill from former carrier and XXXX would allot for the payoff. I contacted XXXX several times for the final bill they never did comply. XXXX XXXX, 60 days past which made me ineligible for the switch promotion pay off. Of which time XXXX turns my account over to collections, ( I. C. System, inc. ), who begins reporting this account to all three credit bureaus and is currently still reporting. Again I contacted XXXX several times for final statement of my bill to submit to XXXX for payoff. XXXX never sent me a final document ; email or hard copy. XXXX has since dealt away with the matter. They 've received payment for turning the account over to the I. C. System collection agency, & I 'm now left with the negative reports against my credit through no fault of my own!!

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