milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This is a second complaint since my first complaint was not resolved even though it was closed. The complaint was XXXX Original Detail as follows : On XXXX XXXX I applied for a XXXX XXXX XXXX XXXX card from Bank of America. They pulled my credit twice on XXXX XXXX resulting in two credit inquiries. I only authorized one inquiry for the one account. XXXX XXXX needs a letter from Bank of America stating that only one credit inquiry should have been pulled. They have thus far refused my request for a letter of deletion to remove the duplicate inquiry from my account. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -

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 04/24/2015 about Credit card () with U.S. BANCORP (TX).
Issue: Rewards

Complaint: The card promised the benefit listed below but after payment of my {$75.00} annual fee I received notice this benefit was ending as of XXXX XXXX, 2015. I called for reimbursement of my annual fee and was told that was not possible. I paid my fee but US bank did not honor their part of the agreement. 

XXXX.Bonus Award Night : When you redeem Gold Points for Award Nights of XXXX or more consecutive nights at the same participating XXXX XXXX hotel property, you will receive the last of the Award Nights of that stay free without deduction of any Gold Points from your XXXX account ( " Bonus Award Night '' ). Your Account must be open and reservation must be in the XXXX XXXX member 's name and use the member number associated with your Account to be eligible for the Bonus Award Night. The Bonus Award Night offer is available only on advance reservations for Award Nights paid in full with Gold Points and is not valid with standard paid reservations or Points + Cash redemption reservations. Only XXXX Bonus Award Night will be available for a stay of XXXX or more consecutive nights at the same hotel XXXX early checkout with XXXX night stay not eligible ), regardless of the total length of stay, the total number of reservations or the number of check-in/check-outs, is subject to availability and all other terms and conditions and cancellation policies regarding Award Nights apply. Does not apply to additional reservations booked as contiguous stays at the same hotel. Only XXXX room per reservation, per hotel for an Award Stay will be eligible to receive the Bonus Award Night offer. Your Account must be open at the time of redemption to qualify for Bonus Award Nights ; any Award Night reservation made before your Account was open will need to be rebooked to qualify ( rebooking is subject to availability ). Maximum XXXX ( XXXX ) Bonus Award Nights per calendar year per member with an open Account ( " Annual Maximum '' ). If a reservation with a Bonus Award Night is subject to a cancellation penalty, the Bonus Award Night from that reservation will count against the Annual Maximum. A Bonus Award Night has no Gold Point or cash value and cancellations involving a Bonus Award Night will not result in the credit of any additional Gold Points in your XXXX XXXX account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Seattle Service Bureau, Inc (FL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: There 's a collection agency called National Service Bureau , Inc. located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Wa XXXX which is claiming {$20000.00} for a car accident that I had 3 years ago. The insurance company claiming the money is XXXX XXXX, XXXX # XXXX. Until this moment, I 've never received a letter or anything from this people claiming this money. The are saying they will suspend my driver license or/and vechicle tag if I do n't pay. Of course, I do n't have this kind of money. A year ago, my insurance paid for this accident already. My insurance company is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I notice in may if this your about all the inquiries kept coming on to my credit report i didnt authorize starting in XXXX I sent them all types of proof I called over and over and then now its has been a security breach with them

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I disputed a fraudulent account with XXXX XXXX XXXX in XXXX 2016. This account is still reporting on my credit reports. I have contacted them several timesmall and they stated this account will be removed within 30 days of completion. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Payday loan () with Trademark Management Solutions, LLC. (MI).
Issue: Charged fees or interest I didn't expect

Complaint: I received a call from Trademark Management saying that they have legal documents for me. I do n't believe Trademark Management is a legal company. Their phone number is XXXX. They told me I had to settle or go to court, ASAP. When I called Trademark, I got XXXX XXXX. She told me she was from Pennsylvania but did not know the address for the company. This place leaves threatening voicemails saying I 've been served.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07/28/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Dear Sir or Madam : In each of the next reported items, I have uploaded and provided to Experian documents which substantiate my dispute ( s ) and I have asked for " potentially negative '' items to be removed or corrected. They have not been. I have asked for incorrect addresses and names to be removed and they have not. I have asked them to remove or correct the US Bankruptcy data which is incorrect and they have not. My list goes on and on and I am tired of battling with Experian. I ca n't call and talk to them with the number they provide because it is automated and request a person to log on to their web site. I live in XXXX, TX and I drove to their extremely large call center to speak with a real person and the security guard said that I would have to take a business card on the wall next to the intercom speaker and call them- it is the same number and I can not speak with a real person. I want this resolved and I want my credit cleared up. Experian 's negative and inaccurate reporting is costing me XXXX of dollars in paying high interest on loans, sky rocketing insurance rates and a list of other items due to their inaccuracy. Furthermore, I tried to open a savings account for my oldest child at a local credit union and they have a security freeze on my account which prevented me being able to open an account. There is a fraud alert due to a fraudulent tax return having been filed in my name, but it is not a security freeze and even when I attempted to " lift the freeze '' Experian shows no freeze ; however the credit union provided me with the documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with United Revenue Corporation (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Account # XXXX {$990.00} Account # XXXX {$330.00} Spoke with this creditor XX/XX/XXXX, I was instructed that if I paid everything off in full that it would be deleted from my credit report and I would be issued a letter stating items were to be deleted. I asked if I could have a letter faxed to me stating this. They said yes and took my fax number down. I called back on XX/XX/XXXX and made the payment in full for {$1300.00}. The agent I spoke with that day told me that she could not fax me the deletion letter. I informed her that was not the agreement I had made on XX/XX/XXXX. She went on to say there was nothing that she could do to help me. I asked ot speak with a supervisor, I spoke with XXXX who was extremely rude. She kept screaming and cutting me off. 

I asked XXXX if she would listen to the recording from my last call and give me a call back. She refused to do this. I told her that they should honor the verbal commitment they made with me on XX/XX/XXXX. She continued to uphold the promise that was made to fax me a letter stating that the items would be deleted. I was told that XXXX was her manager, I called him on XX/XX/XXXX. However, he never returned my call. 

When I first reached out on XX/XX/XXXX about having this issue cleared, I let them know that I was in the process of purchasing a home and this is hold up everything. My lender needs these items to be removed, before issuing my approval to purchase. My family is living in a hotel, waiting for these XXXX items with XXXX to be deleted. 

At this point, I do not know what else to do as I was lied to and mislead by United Revenue Corp. I have asked them on numerous occasions to listen to the recorded phone calls, they told me even if the represented told me that she could fax me a deletion letter they would not. At this point it is my assumption, that they blatantly lied to me in order for me to make my payment in full. They had no intentions on deleting these items, even though they stated that they would be on a recorded line. 

I wanted to try reaching out via CFPB before getting legal counsel and filing a lawsuit. XXXX has violated my rights under the FCRA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 03-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have disputed this item with the credit reporting agency as I do know recall this account ; they reported you confirmed the account as valid. However, I have not been provided any information validating this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05/14/2015 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (NC).
Issue: Application, originator, mortgage broker

Complaint: To Whom It May Concern : My father is XXXX since XX/XX/XXXX and lives on a very low monthly budget. I was going through some of his mortgage papers to see if we could get help with his mortgage and found out that he has an XXXX mortgage on his home for repairs through a company called XXXX XXXX who give out bad loans to consumers with no knowledge of the mortgage industry, and I know that my father would not had no idea of what he was signing and the company could not have told him that he was signing a loan that when he make a payment nothing goes towards the principle. This company, XXXX XXXX has been known for violating mortgage underwriting practices just to close bad loans that cost taxpayers millions of dollars and hurt neighborhoods when the houses go into foreclosure. Although they are an FHA lender the loan in question should n't have been approved. Now my father has a {$32000.00} loan that he has had since XX/XX/XXXX, and here it is XX/XX/XXXX and he still owe {$32000.00}, and it has been sold several times to other companies like Ocwen Mortgage who has multiple law suits in XX/XX/XXXX and have lost cases due to robot signing or missing assignments coupled with an inability to produce escrow and settlement statements demonstrates a deliberate concealment of the ownership of the borrower 's mortgage debt obligation and the actual lender to whom the borrower is indebted. Lack of the original note, failure to timely and accurately apply payments made by borrowers, charging borrowers unauthorized fees, providing false or misleading information make us believe that these companies are taking elderly people for their low budget and finance problems. State financial regulators, state attorneys general, and the CFPB uncovered substantial evidence that Ocwen violated state laws and the Dodd-Frank Act. We need help and my father does n't recall getting any papers that he could file a claim against either company. Please help us keep my father in his house. Thank you so much for all your help.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Winklevoss Exchange LLC (IL).
Issue: Money was not available when promised

Complaint: I found out 10 days ago on XX/XX/XXXX that my funds on XXXX were frozen ( I tried to withdraw and could n't, they never gave me any other notice ). The message said enhanced security had been enabled because of my accounts value and that I should contact XXXX to re-enable withdrawals. I emailed them as instructed. It 's been 10 days and other than an initial automated response I 've had no responses. My follow up emails have gone unanswered as well. 

The account is currently worth XXXX ( XXXX ether ). 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Consumer Loan (Installment loan) with BB&T CORPORATION (FL).
Issue: Problems when you are unable to pay

Complaint: my complaint is against BBT the bank I have a checking account ending on # XXXX, they are taken money without my authorization or permission to pay BBT Visa and unsecured line of credit, I notified them, I 'm extremely ill and I need to declare bankruptcy I notified them by XXXX XXXXmail and letters still they wait for my social security to come throught to take the money out, when I was not ill I used to make payments on a monthly badsis at the bank, now that I 'm deckaring bankruptcy they are taken the money to pay the XXXX VISA and unsecured Line of credit, I need my social security to live on

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Over the weekend I get notifications from myfico that my report has changed. I logged in and noticed that XXXX and XXXX was removed. About 30 seconds later, XXXX report inquiries from XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX was also removed. Minutes later these collections and inquiries was added back on with a missed payment from a collection agency, XXXX! On XX/XX/XXXX, I called TransUnion and spoken with a supervisor name, XXXX. I 've asked him do they verify any information before placing it on ones report, because a collection agency should n't been able to place a missed payment on my report which brought my payment history down and affected my score. He became extremely hostile and rude. I immediately asked for his name and the spelling, he spelled his name and slammed the phone down loud!

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 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mismanaged, misused, negligently, and, perhaps even unlawfully, exposed my personal, biographical, and credit information without my consent. 

While I understand Equifax itself was a " victim '' in the hack too, Equifax 's confounding and belated response and incompetent security measures means its problems were largely self inflicted. 

Indeed, imagine the depravity and gall of a man who XXXX XXXX XXXX then complains after the fact about being an XXXX ; this is the situation Equifax finds itself in. 

Moreover, Equifax had the brazen boldness to charge me a fee to freeze my credit file. Why should Equifax profit from its incompetence?

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: XX/XX/XXXX I submitted online app for a credit card with Bank of America, referred to as BOA through the remainder of this complaint. I requested a balance transfer on the app to be paid to XXXX XXXX in the amount of {$1100.00}. I received a phone call the next morning from the fraud dept of BOA said they were verifying if I had submitted the app and I confirmed I had.I thought that was odd as I 've submitted several online apps for cards and had never received a call like that. Did n't think anymore of it. The balance transfer was supposed to be paid within 2 wks. On XX/XX/XXXX I called XXXX XXXX to check if BOA had sent payment to them for the balance transfer and to my surprise they had n't. I then called BOA to inquire and the rep told me they did not pay XXXX XXXX but had paid my XXXX XXXX card balance of {$2200.00}. I asked her how did they obtain my XXXX XXXX card number because I did not list that balance to be transferred. She was puzzled as well and transferred me to the fraud dept. I explained my issue again and was transferred to the fraud dept supervisor. Explained my issue again and her response was " Well you must have given it to us, how else would we gave gotten it ''. I told her I noticed they had a phone number listed on their webpage for FRAUD WITHIN THE COMPANY maybe thats how it was obtained. I told her to pull up my online app and she would see XXXX XXXX 's balance of {$1100.00} listed to be transferred and not XXXX XXXX 's balance of {$2200.00}. She then told me I had to call XXXX XXXX and request they send the payment back to BOA. I did n't think that was normal protocol but I called XXXX XXXX anyway and explained the issue to them and they said BOA would have to request a refund of the payment. I called BOA back to let them know and to this day I am still waiting for someone to call me back. This has been terribly frustrating and this is a new account and I think it is despicable how they handled the situation. So nonchalant. I later read reviews of the bank and I wish I had did that research prior to submitting my application. Its companys like this that need to be penalized severely for their unscrupulous practices. I do have documentation to upload because of course they snatch your app offline as soon as its submitted and they did not send a confirmation so I have nothing to prove other than them accessing the application themselves.

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 05/16/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (WA).
Issue: Struggling to pay mortgage

Complaint: I 've been having continuous issues with this company. We had an approved short sale with a buyer, but the buyer walked so we submitted a new offer at the same price. I was told it would not take long to reapproved the short sale with the new buyer because the offer amount is the same. We are now 117 days into the process and the lender 's underwriting debt keeps delaying the file and restarting the " within 30 days of complete packet '' timeframe. The lender promises a decision on approval within 30 days of a complete packet however this is the third time underwriting has kicked back the file at the 29 day mark to request a irrelevant correction. For example, the first time we were 29 days into review under writing ask for an estimated figure on the buyer 's side of the hud to be removed- this is not something t hat is at all relevant for the short sale as it is common knowledge these figures are estimated and they have no effect with the short sale as far as the lender is concerned. Next after 29 days the file restated the process because underwriting requested that the listing agent be included on the third party authorization- this is not something that should of restarted the process   because the agent is not an authorize d third party,  So that started the process again, now they asked for a typo correction on the HUD  XXXX  I was told on  XXXX   XXXX  that the file would be escalated because underwriting should of requested that the first time they asked for a correction on the HUD  XXXX  On Friday  XXXX   XXXX  I confirmed the file was still escalated and I was told we would have a decision within  3-5 bu siness days. I called today and spoke to a supervisor  XXXX   XXXX  and was told they did not escalate the file and will not. So that means I was LIED to, SPS records their calls and manager refused to listen of escalate the file. The lender started the process over yet again and we are going to lose the buyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Ocwen Loan Servicing, LLC is misreporting information on my credit reports. I disputed this misreporting to the credit bureaus however, Ocwen purportedly validated the account information. Specifically, Ocwen is reporting two mortgage loans with one account number ( XXXX ) on my credit reports ; one account is reporting 91-120 days past due and one account is reporting 120 days past due. I have never had two accounts with Ocwen Loan Servicing and believe this is misreporting is a direct result of their unreliable systems and fraudulent practices that were substantiated in the lawsuit filed by the CFPB. 
This misreporting is has negatively impacted my credit and is a direct violation of the FCRA.

Company response to consumer: Closed with explanation