milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/30/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: In the past I had a bank account with Bank of America. Back in 2015 I had an account with XXXX bank that I had to close due to my account being compromised so I opened a new account. I accidentally deposited a check into my Bank of America account from the closed XXXX account in error. When I realized the mistake, I made I contacted the bank and made the situation right as soon as possible. ( no funds are owed to BOA ) I made sure my account was cleared of all fees. I received a letter from Bank of America closing my account due to fraud. I called to explain the mistake and they told me that they put me on XXXX and there is nothing I can do about it. I have been fighting this for 2 years with no resolution. I no longer want to bank with them but would like to have the option to bank with someone else which I am not able to as I am on a fraud alert on XXXX. I do n't think a mistake which I owned up to and made it right instantly I should n't be punished for 5 years because a bank feels that they are right with no recourse. I have spoken to managers and supervisors and they all tell me this ca n't be removed. I need to send a letter to them. I have done that and the letters go un-answered and recently received a response because I reported them to the XXXX. The answer is they still refuse to remove it. I really do n't want to hire an attorney but I may not have any other option.

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 06/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My servicer, Select Portfolio Servicing ( SPS ), has made major errors in the following areas : XXXX. SPS mailed my trial modification to a strange company and did not use my address. XXXX. I became aware of my approval for a trial modification in XXXX and the XXXX payment was XXXX XXXX. XXXX. SPS has grossly inflated my income. All these errors were made in an attempt by SPS to cause a deliberate default on the trial modification. SPS prefers to profit from foreclosures. See attached - SPS mailed an approval to XXXX at an address that is not mine. I have never conducted business with XXXX. SPS informed me of my approval in XXXX and told me my XXXX payment was due XXXX XXXX. Finally, my pay stubs are attached. SPS falsely claims I make {$9300.00} per month. It is blatantly clear that they have confused my file with another. I have additional income with a rental property. This income becomes a wash when using the 75 % underwriting standard. My income was inflated by a XXXX dollars each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (CA).
Issue: Closing on a mortgage

Complaint: My refinance was closed on  XXXX   XXXX ,    2017 and CitiMortgage got the ir money back that day. It is now  XXXX   XXXX ,  2017  and I still have not received my escrow impound balance, yet I have received th e Lien of Release. Sure, CitiMortgage wastes n o time to release themselves, but drag their feet in giving back my money! Banks always take their own sweet time in giving out money so as to keep as much money as possible in their own accounts to further their own interests. This is unacceptable! If they can get this  Lien of Release to me, they should also have attached my mone y to the same letter! Furthermore, the telephone number they provided,  XXXX , is some sort of scam as I called as got nothing but recordings to press  XXXX  to get deals on  XXXX ,  XXXX  and other non-CitiMortgage offers. What garbage is this?? I could n't get a hold of anyone to inquire where my refund check 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 explanation
Consumer complaint received 04-06-2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Commonwealth Financial only recently has placed a collection on my credit report in which this does not belong to me, as I have not had any medical done in more than 4 years. I have never been notified of this debt, shown validation of this debt and just all the sudden showed up on my credit when there has not been one thing prior about this on my report. This is fraudulent and against Fair Credit laws

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Said the information I gave was incorrect

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 04/30/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Using a debit or ATM card

Complaint: A number of unauthorized debit charges were made to my account in violation of Banking disclosure guidelines jeopardizing my comings and goings in my day to day affairs, including my Credit standing.I contacted Customer service and put in a dispute on XXXX charges in the amount of {$39.00} each. I came in to a Bank branch to speak to someone and found a XXXX for that same amount along with an errant overdraft charge for $ XXXX.The Bank manager offered to remove the {$100.00} overdraft charge pending the completion of the dispute on the XXXX charges. I thought that my problem was solved. Upon a visit to another branch on XXXX/XXXX/15 I discovered that my account had been tapped again.I found that there had been another overdraft charge in the amount of {$70.00} despite the depending dispute investigations. I asked the Banking Representative to investigate my claims and she specified that she would notify the Assistant Branch manager and have him get back to me.I have previously made a complaint to the Consumer Financial Bureau concerning this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: My XXXX credit Report still shows a Negative Pay Closed account with a balance of {$0.00}. It says the name of the account is Enhanced Recovery Company and it says that the account was a collection/charge off. I've contacted this company at least 3 times and they have refused to remove this from my credit. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is my second attempt to have this matter resolved with both the CRA and the Collections Agency neither has been in correspondence with me regarding the issue and it has been over 30+ days. I have asked for account verification of the account that's being reported negatively on my credit report. Please respond with verification. As I know.. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 05-06-2015 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dynamic Solutions has been calling my house # and once even called my cell. These people called my house using local phone numbers such as XXXX, XXXX and XXXX. The calls come in at any time and they even leave voice messages asking me to return the calls at XXXX ( of course I never did ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/14/2017 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: Please see : Complaint #  XXXX  placed to cfpb on  XXXX /2017..   At this time I have n't received any status on this Complaint. As of last week, it stilled showed in " Collections '' on my  XXXX  report. I contacted bo th ARS  and   XXXX    by phone. They seem to just point the finge r at one anot her with no results to remove this error from my report. This error has hurt me in trying to  get a Home Equity Loan.

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 07-08-2016 about Consumer Loan (Vehicle loan) with MarkOne Holdings, LLC (AZ).
Issue: Problems when you are unable to pay

Complaint: I purchased a vehicle about one year ago around XXXX ... .. I was sold a vehicle from a used car dealer named XXXX ... .. I gave them XXXX down for a 2008 XXXX XXXX .... What XXXX XXXX did not disclose was he had obtained an title loan on the vehicle ( FRAUD ) ... .... To make this long story shorter ... .. He never paid the title loan back & the car has a lien on the title but yet he was able to get me financed through Mark 1 Finincial ... .. Now from what I know now mark 1 should have did a title search to make sure title was free & clear ... .. I do n't know what they did but I am now paying a car note on a car that has a lien on it ... .. Mark 1 told me they would take care of the problem and to continue too make my payments on time ... ... That 's was about 4 or 5 months ago ... ... Last Tuesday they told me they would not be able to help me & that I would have to figure it out on my own ... ... It 's to my understanding now that whoever has the first lien on the car has all rights to the vehicle ... .. So that would mean the title loan company has the rights to the vehicle & mark 1 has none ... ... So I would like a full refund of my money I 've been paying the last 11 months ... ... They want me to pay off a loan for nothing ... ... They ca n't produce clear title if I pay off the vehicle

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/20/2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Delinquent account

Complaint: Sears corp has not forwarded to me an invoice since XXXX 2015. I spoke to an agent who forwarded my complaint to Sears corp and citi bank regarding the same subject matter and nothing has been accomplished since my complaint was filed 90 days ago I am requesting my reference number for that complain My e-mail account is XXXXXXXXXXXX. you have 7 days to submit this request

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/16/2018 about Vehicle loan or lease (Loan) with PRESTIGE FINANCIAL SERVICES INC (KY).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XX/XX/XXXX I got alert from Bank that Prestige Financial had tried to draft out {$440.00} out of my account but the amount wasn't there so it was declined. I called to speak with a customer service rep because I never gave them permission to store my card information and keep using. My mom paid her car payment using my card 1 time. They made her have me call to give them permission for use and I told them do not save my information for future use that it was only a 1 time use. The financial place refused to listen to me on XX/XX/XXXX and would not remove my card information until my mom called and told them otherwise. I stated to them that they never had my permission to even store the card information. Again, they refused. My mom called them and told them to remove my card information off that nobody have given them permission. Prestige Financial told my mom that they had removed my card. They lied!!! Today on XX/XX/XXXX XXXX I get another alert saying that my account declined Prestige Financial amount of {$440.00} due to the amount not being on my card. How can I get this stop! They are trying to take my money and the vehicle loan isn't even mine. Nor am I giving them permission to do this. They have been made aware 2 times and still basically they are trying to steal.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In roughly XXXX, I was called by an XXXX call center commissioned by Walmart to collect a debt. The representative stated I owed some outlandish amount nearing XXXX XXXX dollars American. I challenged the claim stating '' I find that hard to believe as I only have a XXXX dollar limit ''. The representative shrugged this off and proceeded to ask how I was to pay. I asked for an American counterpart with none given and hung up. I contacted GE money, who carried Walmart credit card accounts and informed them of the error. The representative opened my account and too was shocked and laughed at the error. He assured me it was cleared and I checked. It was XXXX balanced. 2 weeks and another phone call from XXXX this time willing to give me a break and I only owe XXXX XXXX. I hung up, immediately called the GE rep. Who was astonished that the amount had been again inflated from XXXX. He again XXXX the account, and I further asked him to close said account. It was done confirmed, and I have not looked back. Now Syncrony bank the new GE money crew are threatning me with a law suit of XXXX dollars in late fees, penalties etc. On an account I cant even get into to check as it is indeed closed. I have informed them of the latter and they in turn have sent me a supposed verification of the amount owed which is contrived of debt going back to XXXX, and skipping through the years of XXXX, and XXXX when closed. The information is not complete and contains only the penalties and late fees, but no actual charges for goods. I do not owe them, yet they are threatening wage garnishment in Oklahoma where i reside. When I tried to contact Walmarts fraud department I was given the number. When I contacted the number it was a direct line to the same group trying to sue me. This all sounds illegal and fraudulent.

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 07/20/2017 about Debt collection (Other debt) with Halsted Financial Services, LLC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX of XXXX, we bought a refrigerator in XXXX XXXX Department located in XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, CA XXXX ; with a phone number Phone : ( XXXX ) XXXX. We leased the refrigerator with their 3rd party leasing company called : XXXX, XXXX located in XXXX XXXX XXXX, XXXX, NH XXXX with a toll free number XXXX, and an email of XXXXXXXXXXXX I do n't remember if we leased it for 12 months. There has been issues on the automatic payment because my husband 's debit card was compromised 2x with XXXX XXXX. I remember buying out the lease with them on XX/XX/XXXX. I believe i even asked them to send me a hard copy of the buy out. On XXXX of XX/XX/XXXXwe started receiving letter from the collection agency. I asked them to give me the details of the amount they are trying to collect because i know that we already bought out the lease. But they ca n't give us any information since according to them, WHY NOT LEASE IT just forwarded our account to them. They are collecting the whole amount of the Fridge when we first got it. I tried explaining to them that we made payments and that we bought out the lease. I called WHY NOT LEASE IT to ask for a hard copy of our payment but they said they do n't have our account info with them anymore since they forwarded it to the collecting agency. I called XXXX as well if they can provide copy of the receipt back in XXXX of XX/XX/XXXXbut they told me they ca n't. I must have misplaced or threw away my receipt so I have no basis on my lease with them. All I have is a copy of our bank statements showing the money taken out from our account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian states that the information remains. The account associated with XXXX XXXX XXXX, should have been removed for various reasons. Account was paid off in full back in 2013 so that I could establish new service with XXXX, which I still currently have, in addition to the fact that the account report is now at four years old being reported inaccurately. I have disputed this and at least one other thing with Experian previously and they never seem willing to correct anything on your report, and would rather leave the negative information. They even had the information shown as part of my recently discharged Bankruptcy which was also incorrect. Actually everything on my report is being shown as included in the bankruptcy, which is incorrect!! They did not even take the time or perform their due diligence to report each item correctly. Experian really needs to be sanctioned or reprimanded for reporting false information and not correcting errors as they are required for accurate reporting. This is crucial especially since they are trusted with providing your personal information to so many entities that determine or make credit and employment decisions based on what they 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 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I paid my bill online with a bank and they showed that they received my payment. However, 30 days later I received notice that they never received my payment. This caused a late pay to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-01-2017 about Debt collection (Auto) with Investment Retrievers, Inc. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My name is XXXX XXXX an authorized individual to handle the account for a XXXX XXXX XXXX. I spoke to the Collection manager XXXX XXXX which, at the beginning he seemed helpful in trying to resolve a matter, the next day I e-mailed and called him to let him know I got XXXX to commit to a settlement, he then turned and said he ca n't do it and he started saying he would take legal action against XXXX, I tried to warn him he can not use threats and he proceeded to say this is what he does all the time. He violated numerous FDCPA infractions and compensation is warranted for these actions. Collection Managers should never conduct themselves the way he did. I 've contacted his compliant officer and they can not obtain the call recording. They have asked me to provide it for them and they are hoping there is no evidence of this call. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Debt collection (I do not know) with Debt Recovery Solutions, LLC (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have n't received a single communication regarding this debt, except that is showing in my XXXX XXXX account as In Collections. I have kept my mail forwarding address current and have had the same phone number and email addresses for years. I have never gotten notification of toys amount being due, even before it was sent to collections. I do n't even know when that happened, or what the debt is for, who is from, etc. All I know, from XXXX XXXX, is that {$1000.00} is in collections with " Debt Rec Sol. '' I looked them up online and tried calling twice. Today, I sent a letter AND an email requesting more information about this 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 08/15/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Advertising and marketing

Complaint: I applied and received an American Express XXXX XXXX XXXX credit card which promised XXXX bonus points if I spent {$3000.00} within three months. I qualified according to American Express on XXXX XXXX. As of XXXX XXXX I had not received my bonus points. When I inquired they now insisted it takes up to three months to get the bonus points. The exact language of the offer and terms was this : XXXX XXXX XXXX XXXX will be credited to your XXXX XXXX account 6 - 8 weeks after the spend requirement has been reached. This appears to me to be false and misleading representation to entice me to get a credit card. I am also fearful I will never get the bonus points. I think American Express should be sanctioned. I appreciate any help you can give me.

Company response to consumer: Closed with explanation