milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, XXXX I checked my Bank of America account to find that my balance was {$0.00}. There was a HOLD posted for {$2900.00} by the bank. When I contacted Bank of America I was informed that the hold for a judgment and they gave me a phone number to call of a collection agency. I contacted the agency and was informed that there was a judgment against me from XXXX for a medical bill in the amount of {$680.00} ( the original bill was {$250.00} in XXXX ) I then contacted the obgyn office to confirm and we concluded that notices were sent to the incorrect address. I immediately called the collection agency and settled the balance. The agency sent me the documentation which was sent to Bank of America in the amount of {$680.00}. She also faxed me a coy of the receipt for payment, original bill and letter to Bank of America to release all funds immediately. I called the customer service dept at BOA and requested clarification and documentation as to why {$2900.00} was removed from my account when the judgment was for {$680.00}. They refused to provide any documentation to support the {$2900.00}, refused to credit back the additional funds and informed me that I would be receiving a check in the mail in 3-5 business days for {$2200.00} ( my $ XXXX {$680.00} for the judgment ). I explained that I have already paid the collector ( which I have scanned copies from the office supporting the letter to BOA for {$680.00}, the letter to release funds and my receipt of payment to settle the account ) and I can not wait to have the funds replaced. There are several outstanding checks that have not cleared and without those funds the checks will bounce. After over an hour on the phone with BOA explaining the situation to multiple people, they said that their legal department will not speak to customers but they informed the BOA customer service manager that the collection agency 's letter stated to remove the {$2900.00} for " housing expenses '' the judgment was for an XXXX. I informed him that I have a copy of the letter that was sent to BOA as well as confirmation from the employee who issued the letter XXXX stating that BOA was completely wrong. They are still continuing to hold all of my funds. I told them I can understand holding the {$680.00} until the letter has been processed, as these things take time. But I can not understand how they can legally withhold the rest of my funds without cause.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On  XX/XX/XXXX , I spoke with a man from Fedloan who told me I could consolidate my husband and I 's loans by filling out a single IDR plan request form. He told me our payments would each be  XX/XX/XXXX  dollars a month. He told me exactly how to fill out the form and said only one form was needed to cover both of us, and this would consolidate our loans together. I filled out the form and mailed it to them. They acknowledged they received it when I called over a month later. They said it was being processed. After no word, and noticing my husbands monthly payment shooting up to almost 300 dollars, I called Fedloan again and was told they stopped allowing married borrows to consolidate years ago. This was completely contrary to what the other representative told me. They said, I needed to resubmit an application and so did my husband. We each did this. This was on  XX/XX/XXXX . On  XX/XX/XXXX  we resubmitted yet ANOTHER IDR request form because I contacted Fedloan again ( again, since they had not gotten in touch with me and we were getting notices our payments were past due ) I called a representative who told me my husband could fill out a consolidation request form on studentloans.gov, which he did as well as submitting the proper paper documentation. I asked him what to do about my husbands overdue account which was past due. He told me no problem, there would be no penalty if we just instantly filled out and scanned a general forbearance request to cover the payment until the IDR/consolidation request was processed. We filled out and submitted/scanned AND mailed this form that very day. On  XX/XX/XXXX  Fedloan wrote my husband and told him his account was 21 days past due and " he had options, such as applying for forbearance ''. We had JUST submitted the request the day prior. We are concerned because we know we lose our rights after 30 days but we have been getting the runaround from Fedloan since early  XXXX  and every representative gives us a different story. Our credit score has been stellar but I 'm afraid of Fedloan ruining it. I contacted them again today to remind them of our  XX/XX/XXXX  forbearance request form and how they evidently ignored it since they wrote us a warning of a past due payment the day AFTER this form was submitted electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Wrong Hard inquires on my report that I did n't 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 10/22/2017 about Payday loan, title loan, or personal loan (Installment loan) with Harpeth Financial Services, LLC (TN).
Issue: Charged fees or interest you didn't expect

Complaint: XXXX XXXX, 2017 they almost XXXX dollars out of my account I had contacted the company they me I had borrow XXXX which I never borrow that amount I only borrow XXXX in XX/XX/XXXX which I had paid that amount back they I was paying the interest fees this was not in my contract they keep taking money out of my account which I do not, they wo n't put the money back in my account this company is nothing but a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: MY KEY REASON FOR ONLINE BANKING OPERATIONS IS TO AUDIT MY BANK ACCOUNTS FOR ACTIVITIES DAILY DEALINGS WITH BANK EMPLOYEES INTO MY BANK ACCOUNTS. 
XXXX MISSING FROM MY CHECKING ACCOUNT. THE FACTS AS OF XX/XX/2016. 
WITHDRAWALS {$400.00} dollars and SPENT {$20.00} FOR GROCERIES, LEAVING MY CHECKING ACCOUNT BALANCE AT {$120.00}, ADDITIONALLY, AS OF XX/XX/XXXX A CREDIT DEPOSIT CAME INTO CHECKING FOR {$220.00} BRINGING THE ACCOUNT TO {$340.00} THE BANK IS PROCESSING {$220.00} FROM CHECKING TO THE LINKED SAVINGS ACCOUNT WHICH SHOULD LEAVE ME A CHECKING BALANCE OF {$120.00}, BUT THE CHECKING ACCOUNT BALANCE IS ONLY AT {$18.00}, THE ACCOUNT IS MISSING {$110.00}, THIS ALWAYS HAPPEN WHEN BANK EMPLOYEES ARE MAKING TRANSACTIONS INTO MY BANK ACCOUNTS, THANK YOU.

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 04/28/2016 about Consumer Loan (Installment loan) with CITIBANK, N.A. (FL).
Issue: Managing the loan or lease

Complaint: I am on Social Security and have requested Brand Source ( Citi ) to make my due date the XXXX of the month instead of the XXXX to accommodate my ability to pay when receiving my benefits. They have refused on XXXX different occasions. They are doing this to make me pay the late charge of {$23.00} every month.

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 10-07-2015 about Student loan (Non-federal student loan) with AES/PHEAA (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Private lender, expecting payments of XXXX a month. When I only make XXXX a year. Spoke with lender, told her I was still interviewing for a higher paying postion that this payment is outside of my income bracket. She refused to listen and said that I am expected to make the payment of {$340.00}, said she could n't make any payment changes. We both got irate and hung up. I am not saying I will not pay, I just need a lower payment ... and she did n't seem to understand that.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have contacted Equifax many times by phone and email in the past 2 years to get my credit report accurate and up to date, my call goes to the XXXX because there are apparently no customer service offices in the United States, as a result my phone company also charges me for the calls even though it 's an XXXX prefix! 

My next problem is that when or if they actually do remove something it comes back again and again even though I have already paid it off. They also use two different names for the same company that they say that I owe money to even though I have been making monthly payments for almost 2 years on the account!
I also have at least 9 hard inquiries that I did not authorize and every time I have asked Equifax to remove them because I did n't authorize them they do n't do it! 

There is also an account called XXXXXXXX XXXX XXXX Info that was reported in XXXX of XXXX. It does n't say what it is or anything else, the amount supposedly owed by me is {$1.00}, XXXX. If it 's the tax lien that keeps showing up on my report that I have disputed several times, that was paid off in XXXX of XXXX when I sold my home. I have told them about it again and again and yet it 's still on my credit report! I need to know what this is ... this is very frustrating when you are a very hardworking tax payer and you do everything that you are supposed to do and yet it is n't done right by the people who are supposed to be correcting it! Please help me to get my credits reports corrected in a timely and accurate manner, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Debt collection (Medical) with AR Resources, Inc. (FL) (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was charged by XXXX XXXX XXXX ( XXXX ) for " Services Performed '' during XXXX separate emergency room visits to XXXX XXXX XXXX Hospital ( XXXX {$990.00} ; XXXX {$240.00} ). I asked several times in writing that they provide a description and some substantiation of these " services performed '' for each billing ... XXXX simply kept sending duplicate copies of their bills. Eventually they turned both billings over to a collection agency -- AR Resources. I 've asked this agency several times to provide a description and substantiation of the " services performed '' as well. They have sent nothing more than a statement of account ( twice ), listing invoices sent by XXXX for the first ER billing only. I still have absolutely no idea what " services '' these people performed during either XXXX of my ER visits that would substantiate these charges ( that are over and above what the hospital ER charged ). AR Resources continues to ignore my requests for substantiation of these debts and has reported both of these billings as " collections accounts '' against me to credit reporting agencies. I 've disputed these claims with XXXX and XXXX ; XXXX has removed them from their report ; however, XXXX states that these claims are compliant with the Fair Credit Reporting Act.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Homeside Financial Services, LLC (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX I had a hard imquiry post to XXXX, XXXX and XXXX from XXXX XXXX Date Filed XX/XX/XXXX Type Mortgage Reporters Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX This was not an authorized hard inquiry. I was shopping for solely for a stand-alone HELOC, which the broker said they could do. As it turns out I was told they can only do a HELOC if refinancing the mortgage. I was very clear I did not want to refinance my home and was not interested in a HELOC unless it was stand-alone. They ran my credit anyway and reported it to XXXX, XXXX and XXXX. I spoke with a supervisor to remove my hard inquiry that they pulled using XXXX XXXX and was assured it was going to be removed. I was told I would receive an email confirmation. I have not received an email confirmation and the hard inquiries are still showing on all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: The XXXX XXXX XXXX XXXX XXXX which is the creditor in question has failed to remove a debt that is more than 7 years old. The debt was a car repossession and it should have expired after 7 years or in XXXX XXXX in the amount of {$810.00}. I received correspondence from Equifax that the creditor validated the debt and they consider it still valid. I have copies of credit reports back to XXXX that state the debt was valid until XXXX XXXX, now magically the date of the debt has changed on the Equifax correspondence and is extended by one year. The date closed now shows XXXX XXXX. 

The XXXX XXXX XXXX XXXX XXXX XXXX was also a repossession of a car and the account has been stated to expire XXXX XXXX in the amount of {$15000.00} also on every credit report I have since XXXX and I received correspondence from Equifax that the creditor validated the debt and they consider it still valid. I have copies of credit reports back to XXXX that state the debt was valid until XXXX XXXX, now magically the date of the debt has changed on the Equifax correspondence and is extended by one year as well and the date closed now shows XXXX XXXX. 

This is not accurate. The car payments were missed in XXXX XXXX and the voluntary repossession was in XXXX XXXX. I have requested documentation via my attorney XXXX XXXX firm to show the validity of the voluntary repossession document, which I signed when the tow truck driver picked up both cars and the XXXX XXXX has not produced the documentation. 
This is fraud and I have documentation to prove on every credit report since XXXX the date that XXXX XXXX XXXX said the debt would be removed. 
I stand ready to pursue this matter to the full extent of the law and have informed both Equifax and XXXX of my intent and expect that the person or persons that are responsible for reporting credit be dismissed from the XXXX XXXX and face criminal charges of fraud and record tampering. 
Please let me know what the next steps are in remedying this situation. This is having an affect on getting credit cards that are required for me to travel as a XXXX XXXX XXXX XXXX XXXX and could have an adverse affect on being employed. 

I have taken snapshots of the credit reports and explained the circumstances in the letter attached, if you however require the full credit report I am happy to submit the full report. 

Thank you for your help in this matter, I sincerely appreciate it. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Debt collection (I do not know) with Convergent Resources, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I bought a XXXX phone on XXXX XXXX, XXXX with a down payment of {$51.00} and returned it on XXXX XXXX, XXXX becasue it did not work as promised. XXXX charged my XXXX card {$5.00} for the data usage for two days. XXXX also charged my card {$50.00} for a " restocking fee. '' I disputed the restocking fee with both XXXX card and in an email to XXXX XXXX at XXXX. I have been contacted by XXXX XXXX of XXXX, who emailed me on XXXX XXXX that my account with XXXX is now closed with a XXXX balance. She said she sent me a prepaid card for the refund of {$50.00}, which I 've not received. On XXXX XXXX, XXXX I emailed XXXX back to ask why she could n't just apply the {$50.00} refund back to my XXXX card. I got an email from XXXX XXXX that said she would be out of the office until XXXX XXXX, and I should communicate with XXXX at XXXX. I forwarded my latest message to XXXX and received an email saying he will be out of the office untilXXXX. While the emails between me and XXXX went back and forth, XXXX has sent me bills for {$51.00}, {$100.00}, and a " final bill '' for {$76.00}. 
Yesterday i received a notice from a collection agency, Convergent. regarding the {$76.00}. It is not a legitimate debt. My relationship with XXXX was for less than 48 hours. The phone was returned. There was never a contract. On request, I can mail copies of bills, emails etc.

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 08/14/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not have a signed contract nor any contract with this company. I have the right and by law demand to see a signed contract between myself and this company or request for them to immediately remove the damaging account for {$170.00} they have showing on my XXXX, XXXX and XXXX credit reports. Also, in looking into this company I see they were not even registered in my state to be collecting funds from anyone. Further I have already attempted to send letters to both the collection agency and each of the credit bureaus and all three accounts still remain and I feel as if I am unjustly being asked to suffer and or pay a debt that is not mine so that I am not further damaged. I have yet to receive a letter or a phone call with any proof validating this debt which is to be done by law. I am coming to CFPB with a desperate attempt to get this rectified. Thank You

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a Public Record listed on my credit report that is inaccurate and incomplete such as a Bankruptcy that Experian is reporting. The Federal law requires that the credit reporting agencies provide mechanisms to ensure that each item on my credit report belongs to me and is accurate and complete. I have requested from Experian numerous times for VALIDATION that is competent evidence bearing my signature, name, address and telephone number of each person they have contacted to VALIDATE this bankruptcy and they have failed me only to return stating that it has been verified with no substantiation whatsoever. I have received a letter from Federal Bankruptcy Courts stating that they DO NOT report information to the credit reporting agencies, but yet Experian is saying they have verified it with Federal Bankruptcy Courts, and I know they do n't because the information they are reporting is inaccurate and incomplete.

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 12/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: ERC Debt Collection agency is trying to collect on a debt that I no longer owe and they are threaten to place this debt on my credit report and is demanding I make a payment with them and I never establish a contract with this company at all, also they have been calling my work phone number and sending a bill to an address I never live at before. I feel like that is breaking the FCRA law and defaming my character.

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 02-08-2017 about Debt collection (I do not know) with United Recovery Worldwide LLC (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: United Recovery Systems called my land line at XXXX on Wednesday XX/XX/2017 looking for a XXXX XXXX. I told them that he did not live at this residents and I did make the mistake of telling the collection agent that he is my father. At this time the agent try get me to take their information down and I refused twice. I then told the agent what they were doing was unlawful and the need to contact XXXX about his debt and not me. The agent 's reply was that he had left my land line number as an alternative contact number. I then informed said agent that I have only had the number a little over a week and not even XXXX has the number. At this point the call ended.

Company response to consumer: Untimely response
Consumer complaint received 03/30/2017 about Debt collection (Medical) with Paramount Recovery Systems, L.P. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: the collection account refuse to send validating information on account. the account is not mine it belong to someone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Sent letter in  XXXX  for goodwill adjustment for the following periods :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  this request was denied.   I followed up and sent in a second letter via fax on  XXXX   XXXX ,  XXXX  to request that the delinquent status be removed since due to being granted retroactive forbearance is now being inaccurately reported as being late when. I received a phone call from th eir Consumer Advocate center an d they stated that they do not have to update what they consider correct information at that time period. Yet  XXXX  refuses to correct and update this information standing behind their policies.

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