milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: I deposited a Check from my XXXX XXXX Account to my Bank of America Account. 
I deposited using a check because it was after hours on XXXX XXXX, 2016. 
On my receipt the deposit receipt says that the check has been placed on a 10 day hold because " XXXX XXXX is reporting that there is a high likelihood '' that this check will not be honored. 

1 ) When I wrote the check the funds were available on deposit at XXXX XXXX Bank. 
2 ) XXXX XXXX Bank is communicating to third parties that my checks are high risk according to recorded conversation by Bank of America! 
3 ) Bank of America is placing holds on checks for extended periods ( 10 Day ) and then not taking that hold off once the checks are cleared by the bank in which the check was written against. 
4 ) This is denying me access to my funds. 
5 ) In this case, I know for sure that this check cleared on XXXX XXXX from XXXX XXXX Bank. 
6 ) On XXXX XXXX, 2016, Bank of America restated that " XXXX XXXX Bank '' was advising Bank of America Bank that the check was to be considered high risk, even though the check had cleared XXXX XXXX on XXXX XXXX, 2016! 
This is false information and I have discussed this with XXXX XXXX and nobody knows how to fix it! 

I want XXXX XXXX Bank to STOP reporting false information!

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 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have hard inquiries on my credit report that I did not authorize.

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 04/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Spoke to company to have letter sent on terms to pay off debt, agreed to amount and to have debt removed from credit report. No letter ever recieved with terms. Have money to pay, but letter to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I 've submitted more than a few request for deletions by phone and by mail for all three of the credit bureau, Transunion, XXXX & XXXX. Effective XX/XX/XXXX law went into effect regarding the removal of public records and tax liens from credit reports, that if an item is on your credit report if must reflect Name, Address, Social Security Number/and /or birthdate this was issued from XXXX XXXX XXXX XXXX XXXX XXXX which became law. None of these credit bureau have that information which has been made law and the records should be deleted from my credit file. 
In the same request I 've asked the XXXX above listed credit bureau to provide me with a copy of the application or any verification that has listed negative information on my credit reports, specifically inquires made on ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ' & XX/XX/XXXX. ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX &XX/XX/XXXX. ( Transunion ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

To date I have not received this information and again they are stating they will not provide any verifications. There is also negative information reporting from a XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX account ending in XXXX, I have ask for verification paperwork to be sent to me and requested that it be deleted, the credit bureaus have refused and is not in compliance with the RECORD KEEPING REQUIRMENTS, Section 609. The 15 U.S. COde 1681g-Disclosure to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. The credit bureau are regulated by the government due to the nature of their business. 
I am asking that all the above injurious items be deleted from my credit report from all three of the credit bureaus Transunion, XXXX & XXXX. 

" Great minds discuss ideas ; Average minds discuss events ; Small minds discuss people '' ~selah~

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 06-03-2015 about Debt collection (Medical) with Convergent Resources, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have started receiving phone calls from Convergent Healthcare Recoveries. They are trying to collect on a false debt. First of all they call and ask for XXXX XXXX. I have not used the last name XXXX for well over 10 years. That was my ex married name. They say that I owe a medical bill for 2013 while I have been in XXXX, Tn. During the time that they say I owe this bill I was working for XXXX. I had XXXX XXXX XXXX XXXX insurance with a group plan that covered me 100 %. I have researched this company online and there are numerous complaints against them for false collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: The firm XXXX continues to attempt to collect a debit that discharged via Chapter XXXX Bankruptcy. In XX/XX/XXXX, the vehicle was originally fnanced with XXXX XXXX XXXX, then sold to Santander Consumer USA who became my new lender. In XXXX of XXXX, the vehicle was respossessed, and the deficiency balance was owed to Santander USA. In XXXX of XXXX, the deficiency balance owed to Santander USA was discharged in U.S. Bankruptcy Court. On XXXX/XXXX/XXXX, XXXX attempted to collect the deficiency balance on the debt from XXXX XXXX XXXX. I informed them that the debt had been sold Santander USA, the vehicle repossessed and then been discharged via Chapter XXXX Bankruptcy. The customer service representative then became combative and abusive and told me " That is not my problem, will you be paying what you owe us? '' I said no, I do n't have -- the debt has been discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Arbitration

Complaint: There were XXXX unauthorized charges on our expired american Express credit card ending in XXXX ( which expired on XX/XX/XXXX ) and the vendor is American Express Gift Card Department and the vendor accepted and approved the expired credit card for total of XXXX charges -on XX/XX/XXXX and XXXX there were XXXX unauthorized gift card charged to our new credit card which American Express credit card Department was transfer the expired credit card charges to our current credit card ending in XXXX and the amount was {$3000.00} ( XX/XX/XXXX ) and {$3400.00} ( XX/XX/XXXX ). American Express gift card and credit card both department was blaming us for the unauthorized charges.which we already took the trouble to change the credit card number to a new number. Nevertheless the old expired card still active and transferred the charges to our new current card without authorization from us. We were forced to pay the charges we did not authorized. Also the card were delivered to an address other than the billing address which is the proof that we did not got the gift cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/14/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I sent a dispute letter to the bureaus ( Experian, XXXX, and XXXX XXXX ) this past XXXX 2015 requesting that they remove a XXXX debt of {$4000.00} that does not belong to me. They never removed the debt, but stated that it would remain in my credit reports. I investigated this debt and Representative XXXX ID # : XXXX/Branch # : XXXX at XXXX confirmed on XXXX XXXX, 2015 that they have no record of this debt in their system with my name, social security, nor address. Please, investigate and find out why the bureaus are not investigating debts properly and doing the job that they are responsible for ; which is resolving disputes as accurately as they can. Your attention to this matter would be greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Conn's, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: These accounts below are not mines and I have disputed this before. I have also provided a FTC fraud report in the past.
XXXX XXXX XXXX XXXX Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving NegativeXX/XX/XXXX XXXX XXXX XXXX Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Revolving Negative XX/XX/XXXX These two accounts are the same and should not be posted twice to my report.
XXXX XXXX XXXX  XXXX XXXX - - Installment NegativeXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - - Installment Negative XX/XX/XXXX This account below is more than 10 years old. XXXX XXXX XXXX XXXX XXXX XXXX - - Installment NegativeXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   XXXX  appears on my credit report. I have not done any business with this company. Already removed from my   XXXX   credit-report.

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 07/25/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have been trying to request my annual credit report from Experian through the XXXX website for the past two weeks. I have been getting the following message and was unable to get the report : We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 
XXXX XXXX. XXXX XXXX XXXX, GA 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 09-06-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Every year I apply for the XXXX County 's tax credit. I receive it every year. The tax credit check is sent to the mortgage company to help pay my taxes. It will most of the time lower the amount of escrow and in some cases leave me with a small refund due to a surplus. I have been with Ocwen for the past 4-5 years. My escrow is continually going up even though the tax credit is sent to them every year. The money is not deposited in my mortgage account or returned to the county. I have no idea where it is going. The county sends it directly to the mortgage company. So every year when I apply for the credit and get approved the money is going somewhere and Ocwen says they have no proof of it being sent. The county has proof of sending it. I am upset because I should not be paying the amount of escrow I am paying. That 's the whole purpose of the credit, but every year it is not applied to my account. I would like to have it researched and credited to my account every year going forward. I would REALLY like to change mortgage companies. Thank you for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: These accounts were all in default with  120+  lates -- transferred and closed ... I disputed with the credit bureaus and told them that there are multiple duplicate student loan accounts on my credit report and if they ca n't determine which ones are duplicate and original, that they must delete them all ... .Yet, I have duplicate student loans on my report and it looks as if I had multiple loans and I had originally borrowerd {$3500.00} now my loans are totaling {$7500.00}. Now it looks like I have numerous loans and I do n't.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: After reviewing all three credit reports i found inquiries that did not belong to me, a couple of months ago i discovered my identity and personal information was stolen. i contacted all three credit beaureus and was able to resolve the issue with XXXX and XXXX, however Transunion would not delete the fraudulent inquiries. i have sent several letters and made several phone calls and have yet to get this issue resolved. i submitted a complaint with the Federal Trade Commision and mailed it to Transunion but they said they never received it. i have uploaded a copy attached to this complaint. I have advised them several times however they still will not delete the inquiries. Transunion is in violation of the fair credit reporting act by countinuing to report these inquiries.

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 12/28/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: On XX/XX/XXXX I received a call from an " XXXX XXXX '' on my personal cell from a number XXXX, I also received the same call at my work from the same person the number that called was a XXXX, the number he left was a XXXX. He called my Daughter 's Husband 's PARENTS and left the following message. I have a recording of the call. transcript is as follows : This is case XXXX XXXX with XXXX XXXX calling in reference to a complaint preparing to be filed against *************** ( me ) XXXX years of age after a through investigation of this affidavit, i find the documents forwarded to my office do indeed support the order for ************ ( me ) to appear in court on alleged check fraud, I would like to speak with ********** prior to signing off on this. I can be reached at XXXX, that is a listed toll free number, therefore XXXX should have no difficulty returning this call. Pretrial docket number to reference XXXX. Be advised failure to respond will leave me no choice but to execute the paperwork referencing your appearance in XXXX XXXX service which is due to be carried out at your home and place of employment. XXXX YOU HAVE BEEN NOTIFIED

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Debt collection (I do not know) with Harris & Harris, Ltd. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Harris and Harris LTD has called our phone to collect debt ( s ) that are not ours. I re-registered this number on the national do-not-call list in XXXX 2015 after speaking with H & H rep who was trying to reach XXXX XXXX XXXX. They continued to call, despite my repeated explanations that we are not either of the XXXX and that this phone number will never reach either XXXX. We try to ignore these messages, but they have gone beyond annoying. Another call came through today, so I called them back. Spoke with XXXX, who said that he has deleted our number from their records. I informed XXXX that he is just the latest in a long line of reps promising the same thing. He informed me that there 's nothing else he can do... then suggested i register on the do-not-call list. Sigh.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a collection notice regarding a bill from XXXX XXXX. I had been to XXXX XXXX with concerns regarding XXXX XX/XX/XXXX ( I saw XXXX XXXX XXXX XXXX, who told me I hade a XXXX earlier this year at a different hospital ) but I had never received a bill for this visit. I believe there were XXXX visits, XX/XX/XXXX and XX/XX/XXXX, it was awhile ago and I do not remember. 

The bill, from Transworld Systems Inc, claimed I had never paid my bill to XXXX XXXX, which was true, because XXXX XXXX had never sent me one. I called the FTC and asked them what I should do and they told me I should call XXXX XXXX 's billing. I did and XXXX XXXX claimed that they had the wrong address for me and that they were sending my bills to an old address. I gave them my new address. They requested I start making payments for the bill in the meantime and that they would pull the debt from the collection agency. They told me to disregard any future letters from Transworld Systems Inc . I thought I made a payment over the phone at the time but I ca n't find any evidence of this. I did start making payments online immediately. Transworld sent me one more collection notice, a couple weeks later, which I disregarded as instructed. 

Although XXXX XXXX billing had told me on the phone that they would send me an itemized bill for my visits, they never did. I only ever received XXXX bill from XXXX XXXX. It was XX/XX/XXXX, for the remainder of the debt that they said I owed ( after my online payments ), and I paid that with a check. I have my bank statement as proof of this. I thought that had settled the matter. That was XX/XX/XXXX. 

A couple weeks ago I received a new collection notice from Transworld Systems Inc., claiming that I owed them almost twice as much as either they or XXXX XXXX had ever said that I owed them, and it was for those same dates, XX/XX/XXXX and XX/XX/XXXX. I received a credit card statement about a week ago that said my credit rating had dipped over XXXX points. 

I was under the understanding that my debt to XXXX XXXX was settled. And again I received no notice from XXXX XXXX before receiving this collection notice, even though now they have the right address to send me any correspondence. 

I do not believe this debt is valid, as XXXX XXXX had previously led me to believe the matter was resolved and has made no attempt to contact me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Mortgage (FHA mortgage) with MORTGAGE CLEARING CORPORATION (OK).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to save my home from foreclosure since XXXX. I have a mortgage with a small local lender in my city. In XXXX, XXXX I begun experiencing hardships due to loss of employment and XXXX. I went to my mortgagor hoping to get some sort of relief, maybe a loan modification or forbearance agreement, anything! Long story short, I have completed XXXX loan mod applications, submitted all necessary documentation over and over and over again, made payments for as long as I possibly could and received NO help from my lender Mortgage Clearing. I also have a fixed rate, but every year the note on my home has gone up. My mortgage payments originally were {$700.00} plus, my mortgage payment is now XXXX plus monthly. I have never been approved for a loan mod or any other help. I have had a number of people at the loan company tell me that they will get back to me, that they lost my paperwork, that I 'm next in line for review or that they will call me back, but somehow my call is never returned. XXXX years I 've been given the runaround and Mortgage clearing serves foreclosure papers to a non-resident of my home. Again, three years I 've been making payments to the best of my ability and as soon as I fall XXXX months behind on my mortgage they foreclose on my home, no questions or help provided. I NEVER received any documents in the mail pertaining to the status of my foreclosure until recently. I received a letter advising me that summary judgement has been granted against me. I 'm baffled, I 'm in no position to move from my home, not only am I taking care of my elderly mother who resides with me, but I just knew that I was here to stay! This is my dream home. A very modest yet perfect for me home where I spend time with my children and grandchildren. I have a XXXX garden and a XXXX garden that I created for my XXXX sister. This home is more than just a house to me and my family, its what I 've striven for my entire life. It 's what I plan to leave to my children one day. I need help saving my home, I truly do n't feel that I 've been given a fair opportunity. I 'm employed and just need the opportunity get back on my feet and do right by my lender. Thank you for your time!!! I sure hope CFPB can help me save my home!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation