milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/14/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Problems caused by my funds being low

Complaint: I deposited a check into my BBVACompass account on XXXX/XXXX/16 in order to ensure that there were enough funds in the account to cover all outstanding charges. the check was in the amount of {$20.00} and was processed and paid by XXXX XXXX XXXX bank on the same day. BBVACompass put a 3 day hold on the check even though it had already been paid by XXXX. The end result was that BBVACompass charged an NSF fee of {$38.00} when in actually there should have been sufficient funds in the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My student loans have been paid in full and I requested that Transunion remove the duplicate accounts. They have completed my dispute and are now reporting my student loans as open and t hat is not correct. I had XXXX pay my loans in full and I have documentation to prove that my loans were paid in full.

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 01/27/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have dispute an item with Equifax. That item is XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. Each time they send me the results, they say this item is verified. However, they do not attach any proof of the verification to my results or credit report. In addition, they do not attach how they actually verified this item and they are supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Unsolicited issuance of credit card

Complaint: I received an Amazon.com Chase credit card on XXXX 2016 and just received another letter that an application was submitted for another Amazon.com Chase credit card ( letter dated XXXX ). Both times, I did not apply for either credit card. The first time I received an actual credit card in the mail, canceled it immediately and ensured the card was removed from my credit report. The second notice of an application was actually denied. Called Chase immediately, they canceled the card and also removed it from my credit report. The agent from Chase asked if I was a frequent shopper at Amazon.com. We are and have a XXXX membership. He indicated that applications can be easily submitted when you have an account with them. But find it very upsetting that this happened to us twice when we gave no authorization for a card to be opened. I called Amazon.com and submitted a complaint with them directly, but feel that this is the best way to ensure this is taken seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Debt collection (Federal student loan) with Williams & Fudge, Inc (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I attended XXXX University from XX/XX/XXXX through XX/XX/XXXX. I transferred in the XX/XX/XXXX and and graduated in XXXX from another University. Upon graduating my Federal XXXX Loan from XXXX entered the repayment period and I made the minimum payments. There came a period of economic hardship where I was looking for work and needed deferment/forbearance till I was able to earn so I could continue making payments. I informed XXXX University of my economic hardship status and inability to repay and need to enroll my Federal XXXX Loan into deferment/forbearance status. XXXX University said that the Federal XXXX Loan was not eligible for deferment/forbearance unless I consolidated my student loans. They denied my request for the 'deferment/forbearance request forms ' and continued negative reporting to the credit agencies. During the same time I went through my records and found emails from XXXX University confirming the adjustments of my Federal XXXX Loans balance to {$0.00}. I then contacted XXXX University and XXXX University 's XXXX and informed them I have emails from them confirming that my XXXX Loan Balance is {$0.00}. I disputed this with XXXX and XXXX asking them to validate the debt of {$1500.00} Federal XXXX Loan. In return they forwarded my Federal XXXX Loan to Williams & Fudge collection agency. Williams & Fudge has been charging obscene interest rates of over 50 % on the last balance of {$1200.00}. The balance is now {$1800.00}, when the interest rate on this Federal XXXX Loan is 5 %.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 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: Information belongs to someone else

Complaint: I discovered that I am the victim of identity theft. Several accounts were opened in my name without my consent, knowledge or approval. At no point did I benefit financially from these accounts. Upon checking my credit report I found the following accounts and inquiries that were not authorized by me and that I did not have any knowledge of. 
Accounts open without my knowledge : XXXX XXXX XXXX XXXX # XXXX**** XXXX XXXX XXXX XXXX # XXXX**** Credit inquiries without my knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX The following address does not belong to me and is a result of fraud : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX The following phone numbers do not belong to me and are a result of fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived nor have I been associated with anyone who lives at the address XXXX XXXX XXXX . I have attached a copy of my current lease agreement showing where I live which shows that I moved in XX/XX/XXXX and signed the lease for 1 year. These accounts were opened online and the cards/checks/paperwork mailed to a third party address I am not associated with.

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 07-07-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax XXXX, XXXXSOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, NY XXXXThis serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police reportI 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as followsXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX RECOVERY Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX, XXXX SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (TX).
Issue: Trouble during payment process

Complaint: My home flooded during Hurricane Harvey. I have flood insurance even though it was n't required. Suntrust is my mortgage company and it has been nothing but misdirection and half truths to deal with them. My home is 97 % repaired, they require 90 % or greater to realease additional insurance funds. I spoke on the phone today to a manager and he informed that the remaining countertops were structural and until the contractors paid invoice is submitted and the home is inspected again, no money will be released. Everytime I speak to Suntrust reprensentatives they tell a different story. They have made the process of getting my insurance money worse than the Hurricane was.

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 10/20/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Loan modification,collection,foreclosure

Complaint: How is it that the owner of the mortgage was never the owner as assigned to XXXX XXXX XXXX XXXX tn XXXX in there own words. How can you legally assign a mortgage to someone that does n't know they are the note holder or owner then sell the servicing rights to another servicer?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (OH).
Issue: Deposits and withdrawals

Complaint: I recently switched 100 % of my payment transactions to paypal. On XXXX XXXX my account was limited. They asked me to verify information and I did and the limitation was then limited. On XXXX XXXX another limitation was added again asking me to confirm my information, I did and again the limitation was lifted. On XXXX XXXX once again my account was limited asking me to verify additional information which I did and the lifted the limitation and then added a rolling reserve to my account. I was told that it would have a 18 % rolling reserve added to each transaction for 60 days but would have a max. The max withheld amount was never provided. It is now at in excess over {$12000.00} withheld of my funds. I have sent emails, made numerous phone calls and one person sends me to the next and I am not getting any answers other than being shuffled around. I did reecive a personal email from a paypal represinative that I spoke to for a lengthy time stating he spoke to someone and they denied to release the funds. I find the amount of money they are holding to be more than excessive and abusive. The release schedule has not worked by providing me with any information, I can not speak to anyone that can help with the extreme and urgent matter. Furthermore the money in which they are holding over {$12000.00} currently is not back by the FDIC. I want the funds released. They have no rights to my funds or to hold them and not so much as be able to respond to me or provide me with accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Student loan (Federal student loan servicing) with Account Control Technology, Inc. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Hello, I tried submitting a complaint earlier, I need to break it down into smaller complaints This complaint will deal with Account Control Technology Inc while my wages were being garnished by XXXX on the behalf of Federal Student Loans ACT sent me a letter demanding I pay this bill. I am that person i live at that address. I have never meet the person legally responsible for that bill. 

The person they wanted to contact was XXXX that is not me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/15/2017 about Credit card () with JPMORGAN CHASE & CO. (WI).
Issue: Advertising and marketing

Complaint: I was a cardholder of Chase Saphire Preffered Visa credit card, their cardholder agreement stated ( page 14 ) Trip interruption insurance reimburses for A Covered Loss ... : * Sickness experienced by my Immediate Family Member .... I filed the claim since I got sick due to bug bites, due to the resort being located on the swamp and it was not disclosed to us. We filed the claim with Chase within 20 days of coming back from US. They did not proccess our claim properly, instead filed it as a dispute, the denied the dispute and never paid any claim. In retaliation they closed the card and reported the " dispute '' to 3 credit agency 's causing credit score of the card holder go low. Also on separate occasion they breached cardholders agreement on road side assistance, when our car broke and needed tow, they refused to assist. I assume they do file claims improperly on purpose to confuse the customers and avoid paying the claims

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: To Whom it May Concern : I am writing to make it be known that both XXXX and Transunion have both continued to engage in unlawful reporting of inaccurate information on my credit report. I have sent both bureaus detailed letters this past XXXX and XXXX, advising them of stipulations under the Fair Credit Reporting Act ( FCRA ) Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) for continuing to willfully and negligently fail to comply with obligations to furnish me with copies of original creditor 's documentation that are grossly reported inaccurately on their respective reports -- affecting my rights as a consumer to have fair access to credit. 

I have demanded on two reasonably spaced occasions that such documentation be provided to justify their default findings that accounts have been " verified '', but have not been met with any due diligence to ensure that the items being reported are indeed, factually tied to me and that I was the individual who initiated that opening of such accounts.The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if they fail to comply with Federal Law. 


I am beyond frustrated and exhausted on all fronts in what truly feels as an endless, futile pursuit of justice for what the FCRA protects me from.

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 09/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt collector company is continuing to attempt to collect on an installment loan that I had through XXXX XXXX and paid off completely. They have also reported adverse information to all XXXX credit agencies, and illegally obtained a copy of my credit report, which has had an extreme negative impact to my credit report and score. This action on their behalf is now interfering with my job and my XXXX. I could possibly lose my job and my XXXX due to this agencies reckless collection practices. I have disputed this claim with the debt collector and collection agencies, however, the company still continues to verify that their information is accurate which it is not. They are trying to collect on a five year installment loan that I paid each month on time for the entire duration of the loan. " This was paid in full ''. I do not owe neither XXXX nor XXXX anything, however, they continue to report false information. I have provided them with copies of my credit report that shows I paid XXXX XXXX for 5 years on time, yet XXXX still continues to attempt collection practices. 

I have attached XXXX documents from my credit reports. XXXX is from the Collection agency that continues to report negatively even as recent as last month and the other is from XXXX XXXX which reports that this account was opened in XX/XX/XXXX and closed in XX/XX/XXXX. It also shows that it was a five year installment loan and was paid with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Credit card () with Dynamic Recovery Solutions, LLC (TX).
Issue: Billing disputes

Complaint: i got a letter from a collections agency today saying i owe a master card from XX/XX/XXXX and in stayed ion collections until XX/XX/XXXX and wants me to pay it now i do n't owe it what can i do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: mutiple duplicate items contained on my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (NC).
Issue: Closing on a mortgage

Complaint: Refinanced home with new mortgage company and funds were wire to shellpoint mortgage company on XX/XX/2017 in the amount of {$180000.00} and shellpoint reported to all three credit agencies that didn't make a payment in the month of XX/XX/2017. I called several times to correct and they are refusing to make the correction. They acknowledge funds were received and the loan was paid off but they are refusing to fix their mistake. I have the documents of the payoff that occurred in XX/XX/2017. I called several times starting in XXXX ( asking if they received wire transfer ), XXXX ( saw credit report as being late for XXXX 's payment ), XXXX and now it's caring over into the month of XXXX and can't get shellpoint to fix their mistake.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is another complaint against Midland as I received NO validation in XXXX as stated in the first complaint Subject : Your submission, [ Case number : XXXX ] I would like validation initial signed contract, list of charges, payments made etc on this debt which I have not received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have repeatedly sent correspondences to Experian regarding accounts that they are reporting incorrectly. I have repeatedly asked for the methods in which they " verified '' the information they are reporting. If they truly would investigate these accounts, they would see the errors.Their lack of response and continuous reporting of these erroneous accounts have severely impacted my quality of life and ability to become gainfully employed, as well as find a home for my family in a safe neighborhood. 

The accounts I am disputing are : 1 ) XXXX- Not my account 2 ) XXXX- incorrectly reporting a balance of {$630.00} 3 ) XXXX XXXX XXXX XXXX XXXX XXXX 30 days late on XXXX 2014 4 ) XXXX- Incorrectly reporting a balance of {$1500.00}. 


They have also failed to mark my the accounts as " disputed '' on my credit report within the 30 days of receiving my letters, as required by law. For these reasons, the only satisfactory outcome is to have these accounts deleted from my 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 03-11-2018 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 information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 03/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 've made several attempts via written correspondence to TransUnion dated XXXX XXXX, XXXX and XXXX XXXX, XXXX via Certified Mail disputing the judgement by XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX who is supposed to be representing XXXX XXXX. In in my letter I 've been asking them to provide the original proper documents to verify and validate that the XXXX XXXX account had belonged to me however TransUnion had failed to properly respond to all of my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I make a monthly payment to Citibank. The due date of XXXX XXXX, XXXX fell on a Sunday, and Citi Bank did not accept payments. The payment was accepted on XXXX XXXX, XXXX the first business day after the due date. I was charged a late fee, against XXXX Credit CARD ACT as the due date was on a non-working bank business day and permitted to accept the first business day to follow. I have never been late once. The late fee charged was {$35.00}, {$8.00} more than was is legally permitted. As my payments are made automatically and there was no indication or change to my balance, I continued to pay the same payment and they repeatedly charged me a late fee for the next few months. They broke 2 laws per the XXXX Credit CARD Act and now are forcing me to pay over {$170.00} in late fees.

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