milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/30/2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Using a debit or ATM card

Complaint: I discovered that {$25000.00} was transferred from my checking account to my Scottrade account without my approval. I contacted Scottrade and was informed that I would need to fax in a wire transfer form to get the money returned to my account. Later, I was told that I would need to wait XXXX business days before they could return my money. Because my overdraft protection was only good up to {$500.00}, my bank said that they would reject the transaction and return the money to my account since I was overdrawn by {$4000.00}. 

My bank was gracious enough to waive all the fees associated with this transaction. Scottrade, however, sent me a letter blaming me for this incident ; saying that I had inadvertently disclosed my account credentials or had a malicious virus or spyware on my computer and wanted me to sign an agreement that would basically blame me for any future security breaches if I did not change my password every month. It turns out that it is totally their fault because last XXXX, someone hacked into their eCheck secure and stole everone 's information. I am now requesting that my Scottrade account be terminated. I have also placed a security freeze on my credit at XXXX XXXX, XXXX, and XXXX.

Company response to consumer: Closed
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. ().
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have recently started a dispute process with the credit bureaus regarding a bankruptcy that is on my credit file with inaccurate information. Beginning XXXX XXXX 2017 in order for the credit bureaus to report public information on your credit file it must contain ; name date of birth socia security number and address which tied the debt to you, I have disputed this bankruptcy multiple times and the credit bureaus have yet to follow the new law inplace, yet all they have done was updated this bankruptcy with the information about the court where the bankruptcy was filed. I have contacted the court and was advised they have NOT verified a bankruptcy being tied to me with ANY of the credit bureaus, therefore I would like this information to be rereviewed and REMOVED from my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: equifax is in violation of the consumer protection act and XXXX XXXX it has been more than 60 days on my dispute and they still have not remove the item XXXX and XXXX has but equifax has not!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: A new line of credit, XXXX XXXX credit card has been opened since XXXX. credit reporting agencies have not been documenting any of the information regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Thank you CFPB for assisting me in resolving this matter. To again summarize there is an account showing on my personal credit report from XXXX for {$1500.00}. The unverified account from XXXX showing a charge off of {$1500.00} from 2011 which I have brought to the consumer credit bureau 's multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt- which illegal and outside the statue of limitations to collect on. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that  XXXXCease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 01-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have had my XXXX XXXX/Bank of America Credit Card for XX/XX/XXXX. For the first year, I would call in every month and make a payment on the credit card. I was finally sick of calling in each month so in XX/XX/XXXX when I called to make my payment, I asked if they could set me up for reoccurring payments each month. The man that I spoke with was very hard to understand and there was a little bit of a language barrier. I politely asked him to speak with someone else and he insisted that he understood what I was asking for and he could help me. I asked the man to set up reoccurring payments for the minimum payment due each month. He insured me that he did so, and the conversation ended. Stupidly, I put my trust in Bank of America to put the right people in place to DO THEIR JOB and I did n't check on that card for another four months or so. Because I do n't regularly use that card, I did n't feel the need to check on it. ( Keep in mind ) I have proof that my account was current and all my payments were made prior to this man setting up my auto pay. Long story short, the man that set me up for auto pay DID NOT put in the minimum payment amount, he put in a payment amount that was just under the minimum required amount. So for six months Bank of America has been taking {$40.00} out of my checking account and applying it to my credit card, THE PROBLEM IS that this is not the minimum amount, so for six months my account has been getting charged late fees and interest. I went into the Bank of America office in my city and they could not believe what was going on. They continued to apologize and they called the customer service line for me while I was there. Bank of America acknowledged that they were wrong but they still wanted me to pay over {$400.00} up front to get my account back to current, and then they would credit my account two months later. This is the most ridiculous thing I have ever heard, I 'm hoping and praying that someone can see that this is FRAUD! Recently Bank of America closed my account, but they are still taking out the {$40.00} a month. I understand that mistakes happen, and it was the ignorance and lack of focus of one individual in that company that caused this problem. I also want Bank of America to file a dispute to fix my credit.If this is n't a class action law suit, I do n't know what is.

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 04/18/2015 about Credit card () with AMERICAN EXPRESS COMPANY (ME).
Issue: Late fee

Complaint: In fall of last year, I opened a credit card with AmericanExpress. They were concerned after I used the cardthat I was a security issue, demanded to contact mybank, etc. I canceled the card and they said they wouldcancel the $ 75 yearly fee. They keep sending mestatements charging me this fee, even though the cardis canceled. My credit score is now being affected bytheir reports to credit bureaus. I do not owe them anymoney and have called multiple times. I asked in earlyXXXX for evidence the account has been canceled, itis attached, as well as recent statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-04-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: According to the Cardholder agreement with Bank of America, I am only obligated to pay the monthly minimum. In this case, my monthly minimal payment due was not the balance thereof, but a nominal fee of approximately {$25.00} to {$50.00}, more or less. 
On XX/XX/XXXX, I paid, albeit by clerical mistake/typo, a payment via mobile banking transfer of from my checking account to my credit card account with Bank of America for $ {$2400.00}. I intended to, at that time, to make a nominal payment of {$24.00}. Therefore, I respectfully asked for the difference from what the Bank has partially refunded me already -- of {$500.00}, to what I originally paid plus fees ( factoring any interest charges ), which would total approximately $ 2k either way. 
Moreover, according to the XX/XX/XXXX law -- -Credit Card Accountability Responsibility and Disclosure Act, the Bank acted contrary to this Law by changing the terms and conditions and/or my credit card account info via slashing my credit line by 80 % from $ XXXX to {$500.00} without providing appropriate advanced notice ; considering this lack of due diligence and lack of transparency I respectfully ask for the CFPB to secure me the funds for $ XXXX at this time and/or restore my credit line back to $ XXXX with Bank of America XXXX The Bank refuses to issue me a complete refund because my total credit line is only {$500.00} and it would be over my credit line ; moreover, they 've refused to raise my credit line back to the original amount. 

Thanks for your help and consideration! 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (RI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I signed up with student loan relief to reduce my student loan payment and I have been paying {$46.00} a month for a very long time. I was told that {$10.00} a month would be going towards my principal and the rest was the fee to pay the company for the service. I believe that they altered my information with the federal loan servicing. I was not aware that nothing was being paid and now my loan is in collections. I was never contacted because my personal information was changed somehow. I had no idea my loan was in default. Every month, the money was taken from my account. I was a victim to their scam. I want others to be aware that student loan relief is not legit. I have tried to call this company several times, with no response. I am always told, no one is available.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was alerted by the credit bureau that there was new activity on my credit. Once I checked my credit, I noticed a collection that is not mine. I am not sure who this happened. The accounts fraud.

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 02/27/2017 about Debt collection (I do not know) with ERC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The company has failed to provide any type of proof that this debt even belongs to me. The company never submitted a letter or any type of notice that I a debt with the company but in the mean time the company is reporting on my credit report. Since noticing the account being reported on my credit, I have submitted a Consumer Debt Validation which I have attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I do not recognize this inquiry, and have submitted over and over for proof that I indeed consented to this inquiry. Not once, has anyone taken into consideration what I am saying and have verified indeed that this is wrongfully reported onto my consumer report. I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Mortgage (FHA mortgage) with Servis One, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: MY LOAN WAS SOLD BY XXXX TO XXXX THAT IN TURN SOLD IT TO BSI FINANCIAL SERVICES ( ADD. IS XXXX XXXX XXXX TX. ) I BELIEVE XX/XX/2016. SINCE THIS COMPANY TOOK OVER I HAVE NOT HAD A MOMENT PEACE. I HAVE NOT FALTERED ON MY PAYMENT, BUT IT SEEMS THAT MY FUNDS ARE EITHER PLACED IN GHOSTS ACCOUNTS THEREBY LEADING TO BARAGE OF CALLS FROM THEIR REPS. I USUALLY DO NOT GET EXPLANATORY STATEMENTS LIKE MY FORMER COMPANIES, I ALWAYS HAVE TO CALL THEM EVERY MONTH TO FIND OUT ABOUT MY STATEMENT. DEPENDING ON WHOM YOU SPEAK WITH ON THEIR PHONE, YOU MAY GET DIFFERENT ANSWERS RANGING FROM " WE HAVE NOT RECIEVED YOUR PAYMENT FROM LAST MONTH ETC, AFTER MANY ARGUMENTS WITH THEM, MY SENT PAYMENT MAGICALLY APPEARS. THEY WILL PROCEED TO SEND ME ANOTHER BILL DOUBLING THE AMOUNT THAT I SUPPOSEDLY OWES. I WAS INSTRUCTED TO PAY A DIFFERENT AMOUNT FOR XX/XX/XXXX WHICH I SENT OVER WHAT WAS ASKED. MY XX/XX/XXXX PAYMENT WAS MADE ON TIME, BUT I AM STILL GETTING STATEMENTS FOR XX/XX/XXXX. ONE OF THE WORKERS BY THE NAME OF XXXX STATED MY ESCROW CHANGED AFTER MY PAYMENT WAS MADE AND THEY WERENT AWARE OF IT. NOW THIS IS VERY STRANGE TO ME. I SUSPECT SOMETHING IS DEFINITELY NOT RIGHT WITH THIS COMPANY.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Debt collection (I do not know) with Alpine Credit, Inc (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have not been contacted about this negative balance. I believe its through Alpine Credit or XXXX. This account was positive before I closed it and I do not understand why its still negative. I would like to get this issue resolved immediately because it is affecting my credit score immensely. I have had no debt collector call me or any mail correspondence delivered to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Other

Complaint: Synchrony Bank is now reporting to multiple consumer credit reporting agencies in violation of Section 607 ( b ) of the Fair Credit Reporting Act. 
I filed a XXXX XXXX action on XXXX XXXX, XX/XX/XXXX in the XXXX XXXX of New York. I obtained a discharge on XXXX XXXX, XX/XX/XXXX. At the time of filing I owed a debt to Synchrony Bank. I had not missed any payments prior to filing. Upon discharge, Synchrony updated my consumer credit agency records to show late payments in XXXX XX/XX/XXXX ( after my filing date ) and entered a " charge off '' notation for each month from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. I disputed the notations as violations of both the automatic stay and the discharge order. Through XXXX disputes the bank refused to correct the information. It came to my attention when I investigated a credit score drop. 
Also attached is an FTC Advisory Opinion stating in relevant part " Section 607 ( b ) of the FCRA requires credit bureaus 'to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates '. '' It goes on to state " it is not a reasonable procedure to label an account that has been discharged in bankruptcy as 'charged off as bad debt ' if the account was open and not charged off when the consumer FILED bankruptcy. '' Do note that the FILING date is the relevant date and NOT the discharge date. Given this, no information should be reporting after XXXX XX/XX/XXXX regardless of the accounting treatment of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear Sir/Madam, I recently received a copy of my XXXX  and XXXX  credit reports and I notice there is an unauthorized and unrecognized credit inquiry made by XXXX  and XXXX creditors. As far as i knew I do not recall authorizing this credit inquiry and I understand they shouldn't be allowed to put an inquiry on my file unless I have authorized it.

If they find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.

If they find that I am in error, then send me proof of this. I think i got victom of their inquiries issues.

Here 's the list of the inquires : 1- ( XXXX  report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX2- ( XXXX report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX 3- ( XXXX  report ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 4- ( XXXX  report ) XXXX Inquired on XX/XX/XXXX 5- ( XXXX report ) XXXX XXXX Inquired onXX/XX/XXXX 6- ( XXXX report ) XXXX XXXX XXXX Inquired onXX/XX/XXXX 7- ( XXXX  report ) XXXX XXXX XXXX  Inquired onXX/XX/XXXX 8- ( XXXX   report ) XXXX XXXX Inquired on XX/XX/XXXX 9- ( XXXX report ) XXXX XXXX Inquired on XX/XX/XXXX 10- ( XXXX report ) XXXX XXXX Inquired onXX/XX/XXXX11- ( XXXX   report ) XXXX  Inquired on XX/XX/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 08/27/2015 about Bank account or service (Checking account) with U.S. BANCORP (NV).
Issue: Deposits and withdrawals

Complaint: I 'm writing a complaint against US Bank for false and wrongfully reported information regarding my closed bank account to XXXX. U.S. Bank has reported a " transactions involving items are checks returned as uncollectible '' with Close your status " NOT REPORTED '' this information is nor true or valid. The complaint is inaccurate incomplete and a abuse of power. As documented on my federal credit report to XXXX 's and XXXX I have a credit freeze in multiple reports ab as documented on my federal credit report to XXXX 's and XXXX I have a credit freeze in multiple reports I filed regarding my identity being stolen and I am a victim of identity theft. US Bank close my checking account due to a negative balance this negative balance was related to deposits made into my account from XXXX XXXX 's personal checking account that was later revealed as a closed account. U.S. Bank debited my account twice without refunding the duplicate debit. U.S. Bank ignored my inquiry of account closure, documented identity theft, duplicated debited transactions without refund or cause. I think account was overdrawn for two days and I paid the negative balance in full receiving the rest of my funds XXXX laters in the form of a cashiers check via mail. All items FEES and ALL DAMAGES I PAID INCLUDING ITEMS OF FRAUD AND IDENTITY THEFT THAT WAS DONE TO ME AND VICTIMIZING MY LIVELYHOOD BY A CRIMINAL. A criminal I had subsequently fallen victim too and have been severely punished for acts done by a criminal. I want this account removed permanently from my file and U.S. Bank to held accountable for unethical participation engaging in fraud and identity theft, along with not following procedure and protocol with the theft of my money

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation