milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2017 about Debt collection (I do not know) with Halsted Financial Services, LLC. (OR).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I received a call with no one on the line. When it hung up I dialed back. The agent refused to give me their name, business name or what it was regarding unless I give my social security number or date of birth. When I told them I would not do so unless they identify themselves they stated they would keep calling until I did. When I told them to add me to the do not call registry they stated I had to provide my social security number to be added to it. I told them it was a violation of the FCRA to do so, and to refuse to even identify themselves, so they hung up. When I called back again they identfied themselves as Halstead Financial and refused to give any further information stating they would review the call and solve it internally. No agent identified why they were calling, and only the second stated it was an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Using a debit or ATM card

Complaint: On XX/XX/XXXX, I attempted to make a purchase at the XXXX, XXXX XXXX in the amount of {$51.00} using my Bank of America Debit Card which is linked to my checking account. I inserted the card ( with a chip ) into the machine and after waiting nearly a minute, the clerk asked me to remove the card and insert it again, which I did. After nearly another minute, the clerk advised me the sale was declined and asked if I had another card I could use to make the payment. I said I did, but preferred to use cash instead. I completed the transaction using cash for {$51.00}. The next day, I checked my online banking statement and saw that XXXX transactions for {$51.00} at the XXXX XXXX were pending. Several days later, I noticed the transactions had cleared and my account was charged {$100.00}. On or about XX/XX/XXXX, I filed a claim with Bank of America for the incorrect charges. I was asked at that time if I had the receipt for the cash purchase and I explained that I did not. Several days later, I was advised the XXXX charges totaling {$100.00} would be temporarily credited to my account while the claim was being investigated. 
On XX/XX/XXXX, I received a letter from Bank of America stating " We 've completed our review of these claims and have determined that no errors have occurred in this instance. '' Further, the total amount of {$100.00} will be reversed from my account on XX/XX/XXXX. I immediately called Bank of America Customer Service at XXXX and spoke to XXXX in XXXX with the Fraud department. He stated that the claim was denied because I could not produce the receipt proving the transaction was completed by cash. I informed him that the issue is that I did not provide a PIN nor did I sign a credit charge at the time of purchase and it does not matter whether I completed the purchase or not or how I paid for it. After some insistence, XXXX finally decided to escalate the claim but I have my doubts to the outcome since he said it was my responsibility to prove my claim by providing the cash receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A year ago I filed Bankruptcy. All of my debt was discharged trough it in 2015. 

Back in XXXX I checked my credit report to make sure that there was no more debt. I noticed that the reports showed {$0.00} balance on the accounts but that the accounts were still opened.I disputed the status of the accounts and both XXXX and XXXX corrected the status to show as closed but Trans Union did not. 

After receiving the results dated XXXX XXXX from Trans Union, the accounts still showed as open. I then re-disputed the accounts and waited for more results. As of today, my credit monitoring service shows Trans Union still reporting them as open. 

I know that what Trans Union is doing is illegal. They are supposed to investigate the accounts and correct and update them. How can they update an account as open if it is included in bankruptcy and they have the records to show Bankruptcy is filed and all the accounts are included in it? That is either laziness or willful negligence. 

Now that they have had XXXX chances to correct my records and have failed to do so, I am imploring you to look into their practices. If this does not get corrected I will be forced to take more drastic measures as I wo n't allow them to misreport my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: EQUIFAX CREDIT FILE : XXXX XXXX, XXXX Confirmation # XXXX contacted equifax regarding incorrect reporting of XXXX XXXX incorrectly reporting Acct # XXXX. Account was discharged in Bankruptcy XXXX XXXX. However the account keeps returning on my Credit file. After 3 attempts to correct the error you are my last hope. The last response from my dispute is as follows : We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have XXXX XXXX XXXX accounts that are over 7 years old that I want removed and also XXXX put a judgement on me after it was on me as a collection for 7 years. 
Also, I have a tax lien that is over 7 years old and should be removed from XXXX county. All of this is on all XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (NC).
Issue: Deposits and withdrawals

Complaint: I sell things on Ebay on consignment. The only payment method available is Paypal. I have a new account, and Paypal holds my ebay funds per their policy. On XXXX at XXXX XXXX I noticed that the withheld funds on the transaction page was significantly short of the actual hold amount displayed on the home page. I counted XXXX that was different from what they said was on hold on a per-item basis. They have over XXXX on hold from Ebay, and my money is not being released per their own policy. I have called and tried to get this corrected, but after a 45 minute call, I got hung-up on. They are collecting interest on money that was supposed to be released to me. I need that money to pay my consignment customers. After a long phone call, followed by another, I believe their system is messed up, and is causing me problems with my business. There is a whole bunch of money that I ca n't get access to. I have downloaded a report of all the transactions to date for the entire time this account has been active for Ebay. I think they have made a mistake with my money and now I am the one who is loosing money and customers for their mistake. I ca n't get them to help since after they figure out this is their fault, they hang up the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Remove from credit file

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: For XX/XX/XXXX my lender said I had an escrow shortage of XXXX for this year up to XXXX XXXX, I paid the shortage amount. Now the lender says I have a shortage XX/XX/XXXX of XXXX which is from XXXX XXXX till XXXX XXXX. There are no increases in homeowners or Taxes however they are lowering my escrow amount because of my PMI reducing. Now if I pay the shortage it will lower my monthly payment but we will have more shortage down the road. Why is my loan being paid off but my escrow is a higher payment.

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 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX    XXXX   XXXX   Opened  XXXX   XXXX ,  XXXX  {$170.00} Original creditor :  XXXX    XXXX   XXXX   I have legal documentation that this account was stated as CLOSED and that their would be no further financial obligations as of  XXXX   XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I received a letter from an attorney office regarding my XXXX account that they are handling my account and that it 's no longer with XXXX and it had the balance owed etc. with to all XXXX XXXX to remove the XXXX account. Equifax never removed the account they never notified me of the results or anything. They actually add a new account to my credit report causing my score to drop even though I provided proof the account with XXXX was no longer their account and has to be removed from my credit. They are the only cb who does n't truly validate debt. I have another account XXXX XXXX who never validated the debt and has been removed by XXXX and XXXX but Equifax again updated the info and said it was verified. I never got the method of verification who they spoke to or what was verified. I reached out to XXXX XXXX and they still have n't validated the debt. I know the cb make money by keeping bad information on our credit reports but it 's ridiculous when you send proof and they still refuse to make the proper updates and corrections I will provide all proof of what I submitted and what they have done. It 's time they be held responsible for failing to properly handle my credit report and validate information. By law they are required to investigate and not just sat verified and by law they are required to give info received and I still have not gotten anything.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am trying to get one of the collection account off my credit report because the item does n't belong to me. I disputed this account with the credit bureaus and they keep on saying that the item belongs to me. I disputed this account directly to the collection agency who are furnishing this information but they are sending letter back to me saying that the items belongs to me without any documentation to support this actually belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit card () with DISCOVER BANK (MN).
Issue: Delinquent account

Complaint: I wish to File a complaint with Discovercard! I recently file disputes with all XXXX credit reporting agencies about discover reporting Neg Info on my credit Files.. Each time each reporting agencies would reply back saying that discover had Verify the account as reporting correctly.. So I reached out to Discover to see if we could n't get these issues taking care of.. I went back to XXXX / XXXX to obtain Old bank statements. And found receipt and sent them to Discover and They fair to respond back to me. I also spoke with XXXX a rep at Discover XXXX XXXX XXXX XXXX to set up Payments he stated to me that they he would Give me interest free payments if I made all Payment 's On time until the Debt was Paid off. It was a deal that I could n't refused.. I agreed and excepted his off. I asked XXXX once the Debt was paid in full with No missed payment would and could He have the account deleted from all XXXX of my credit file. XXXX told me he would have to speak to a supervisor and placed me on hold. for a long while He came back on the Phone and advised me that I would need to finish sitting up payment info and agreements! once that was all done a lady By the name of XXXX got on the Phone and stated that she would have the account removed from my credit file once the account was paid in full and That the payments were not late. So i contact Discover after the account was paid in full ands no missed payments they claim that they could n't have the account removed. Discover I gave you my word and made all Payments on time and I expect for you to do the same. But I know they got the money and now its we did n't agree to this! I will contact and lawyer if discover DO NOT HAVE THAT ACCOUNT REMOVED FROM MY CREDIT FILES!

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Deposits and withdrawals

Complaint: I had an account with Fifth Third Bank in 2013. Fifth Third Bank reported Suspected Fraud Activity on my account to XXXX and XXXX. Due to this injustice I am constantly denied service at any bank. I have continuously informed the Fifth Third Bank that I was not responsible for this fraudulent activity that occurred on my account. I also informed them apparently someone stole my identity and that I am the Victim. I asked Fifth Third Bank to remove this negative report from my records but they refuse to do so. 
Please Help. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (MS).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: XXXX XXXX Social Security : XXXX On XXXX XXXX, XXXX I logged in to my online Regions Checking account to find that a direct debit in the amount of XXXX ( appx ) had been debited to my account causing a balance of XXXX. Then my two auto drafts for my car and house insurance came through and caused the account to be in overdraft. 

I called the customer service line and the only explanation I could get was that someone has evidently written a cashier 's check and brought my account balance to zero. 

On the following Monday, I went to my local branch in XXXX, XXXX XXXX see if they could help me figure out what happened. They called the XXXX XXXX XXXX branch of Regions in XXXX, XXXX XXXX branch manager is XXXX XXXX and he told them that because I did n't have a physical address on file, they automatically closed the account. He also stated he had tried to call me ( I never received a call ) to obtain my physical address. So my account was closed and I couldnt reopen it and the Regions branch in XXXX, XXXX XXXX to open another account for me but I was so upset I said no. I went to XXXX and opened another checking account. 

A few days later, XXXX XXXX the branch manager from XXXX, XXXX XXXX called and apologized and said it was a lack of communication between himself and another employee. He stated that my account balance would be mailed to me and to this date ( XXXX/XXXX/XXXX ) I have not received a check. I am very upset and if this does n't get resolved immediately, my next step will be to take legal action against XXXX personally and Regions bank. I realize that it is a small amount of money but it is the principal of the matter. I hope Regions does n't do this to many other people. 

I need two things from Regions : 1. My account balance returned to me 2. A statement from Regions stating Regions closed the account so my insurance company will charge off the overdraft charges to my account. 

My current mailing address is XXXX XXXX, XXXX. XXXX XXXX, XXXX, MS XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2016 about Debt collection (Medical) with Collection Bureau Services, Inc. (MT).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Collection Bureau Services Inc. of XXXX montana alleges that we owe them a debt, but they have never sent us the required notice of our rights to " validate '' or " dispute '' the alleged debt. The first communications that we have received from them, on the nature of this alleged debt, was a lawsuit stating that we owe them this assumed debt. A lawsuit is not a legal form of first communication on any alleged debt. Collection Bureau Services Inc. is practicing Unlawful Debt collection Acts. And since we were never given the opportunity afforded to us by the FDCPA guidlines. We have never had the chance to " validate '' or " deny '' this debt. Which is in direct violation of our consumer rights. As well as the fact that CBS Inc is misrepresenting whom the debt is being collected for. They state that it is being collected for XXXX XXXX XXXX XXXX. But XXXX XXXX XXXX XXXX no longer owns this alleged debt. So how can they be collecting it for them? The supporting documents included : Support of the fact that we were not in default on our payments to the original creditor when they sold our debt off to a 3rd party. The supporting documents also show that CBS INC. Is not in fact collecting this debt for the original creditor as they claim that they are. But rather they bought our account from XXXX XXXX XXXX XXXX while it was in good standing, and currently was in the process of being paid on monthly by the us. The fact that we were not notified that our contract was going to be sold to a 3rd party without our consent, while it was in good standing and being currently paid on. Makes this claim even more outrageous. Our right 's have been violated, by the original creditor " XXXX XXXX XXXX XXXX '' as well as " Collection Bureau Services Inc. ''

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Student loan (Non-federal student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a total of {$140000.00} in NJClass loans which go into repayment in XX/XX/XXXX. I have asked HESAA several times for some kind of help or relief and all I 'm told is there is nothing that can be done and that I need to repay the {$1700.00} a month for the next XXXX years. This is not realistic. I will not be able to live, eat and live while paying $ XXXX month for XXXX years. All I want and need is a manageable $ amount to pay each month and be able to live

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In 2001, I enrolled in XXXX in XXXX, Colorado ( later moved to XXXX, Colorado ) for the XXXX program with XXXX servicing my loan. As you may or may not be aware, XXXX is now closed due to an investigation into fraudulent practices. When it came time to repay my loan with XXXX, I did so as directed. In doing so, I noticed many times that no matter when I made the payment, the next statement would show up showing I owed late fees. I attempted to pay early so that I would n't accrue late fees and still they would show up on the following months statement. Phone calls to XXXX were not helpful, if responsive at all. 
Later, the national recession hit and I got well behind on my loan. So much so that I had a garnishment put on my wages. XXXX, through Pioneer Credit Recovery, started me on what they called a rehabilitation program in order to bring my loans current. I finished the program and believed that my loan was current and that, as ( now ) Navient explained in their correspondence, all negative effects would be removed from my credit. However, apparently the rehabilitation program only affected my Federal loans and did not rehabilitate the past due private loans. These private loans still show as delinquent on my credit report. Navient made no attempt to inform me that the rehabilitation would n't repair my entire account. 
Each month, I pay {$150.00} through automatic payment to Navient. Yet with them still showing that loans are delinquent, my balance never goes down and my credit is in major disrepair.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX County Reg XXXX. Too old to be on file please delete.

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 10/31/2015 about Consumer Loan (Installment loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (ID).
Issue: Managing the loan or lease

Complaint: I made a large payment on my Bank of America credit card which I have had for 13 years. I thought the large payment would help my credit, but instead they immediately lowered my credit limit, ruining my credit and I have no funds to use. I have always been on time with my payments and I was n't even notified! This company is evil and low life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Bank account or service (Checking account) with TCF NATIONAL BANK (IL).
Issue: Problems caused by my funds being low

Complaint: I paid my overdraft accout about a year ago amd it is still on my credit scores as unpaid. 
I called before and they said they took care of it. I just need this to be on file and out of my credit scores.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation