milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I do not wish to open a dispute. Every time I bring up these accounts the " go to '' is to open a dispute. I am not disputing the ownership of the accounts the problem is with the credit bureau reporting of these accounts after the legally allowed timeframe. And one account is reporting open but has been closed for over 8 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Deposits and withdrawals

Complaint: I have done online deposits regularly from my wife 's bank account at XXXX XXXX into my bank account at Bank of America at no time was this ever more than a days hold. So as usual I made a deposit and wrote checks on that account to cover bills. Image my surprise when they held my funds from XXXX to XXXX XXXX even though it was taken out of my wife 's account on XXXX. During this time not only did I never have access to my XXXX deposit but the checks bounced and they happily took out XXXX every time to the tune of over {$200.00}. And now my accounts are messed up because of returned checks and bills are late. How could they possibly be allowed to do this ...

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 04/15/2015 about Debt collection (I do not know) with Nations Recovery Center (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A man called me asking for information on how to contact a " XXXX XXXX ''. The man said my name was listed as a connection for XXXX XXXX. The man on the phone did not identify himself until I asked for his name. He said he was XXXX ( XXXX? ) XXXX with Nation 's Recovery. I asked if this was some kind of emergency that he needed to reach XXXX XXXX. He said, " No. '' He did not explain what the call was in reference to, but he left a phone number to call - XXXX XXXX XXXX XXXX, ext XXXX. My phone shows that XXXX XXXX call actually came from ( XXXX ) XXXX, Wednesday XXXX. XXXX, at XXXX. 

I believe this call breaks several laws concerning debt collection and I want to file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Incorrect information on your report

Complaint: I seem to now have to issue 's, so I 'll begin with the first ( this will lead up to the second ) ... Around XX/XX/XXXX or XX/XX/XXXX if this year I notice my mortgage was not reporting to XXXX, but was reporting correctly to XXXX and XXXX. I contacted Ocwen Loan Servicing and ask if they would report my account to XXXX. The representative replied to me that they report to all four major credit reporting agencies. I was instructed to fax to them proof they were not reporting my account. I faxed over to them all the required information to prove my case. Now I do n't want to make this real long so please understand that for months I 've gone back and forth with XXXX and Ocwen to get this resolve. As of today, it still not showing with XXXX. On XX/XX/2016, I spoke with XXXX and transducers me to inform Ocwen to get the person that works for XXXX and handles their account to get involved. I fax a written request to Ocwen asking them to speak with the liaison the have that works for XXXX to correct this. I still have not heard anything back from them as of today. Now this brings me to my second issue .... I went online to bring up my account with Ocwen to get their phone number and call them to get an update. I notice my name was different on the most updated statement and on there website page. My name has always been correct and written on all documents as : ( I 'll write it later ) the missing part on my current statement is XXXX And on their website, rather XXXX on it, it has an!, not sure why these changes are and if this is legal. I 've received no notice to legal change my name, by them, on any document 's nor have I ever given any approval for that.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2016 about Credit card () with KEYCORP (FL).
Issue: Other

Complaint: 1 ) KeyBank and XXXX are merging. 
2 ) I have a closed MasterCard account that is being transferred from XXXX to KeyBank. 
3 ) I received notification that most of the terms and conditions of my cardholders agreement - interest rates, fees, account number - will not change. The address for payment will change. 
4 ) XXXX key conditions are being changed. a ) The five day grace period for a late payment fee will be eliminated. I can live with that. 
b ) The billing cycle will end on the XXXX day of each month, instead of the XXXX, XXXX or XXXX. Due date will be the same " at least 25 days after close of billing cycle ''. This, combined with the elimination of any grace period, is terrible. It places the due date closer to the end of a month. It is already very tight to get money in time from an account at a bank, where it appears as my income on the last day of a month, to meet a deadline for payment by the XXXX of the following month. Changing this to the XXXX just makes it that much harder. How can this be considered a fair and acceptable change? It, together with the end of any grace period, is an invitation to collect more late payment fees.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Numerous attempts to remove XXXX, FL XXXX 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 non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: https : //www.equifaxsecurity2017.com/ XX/XX/XXXX Equifax Inc. ( XXXX : XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from XX/XX/XXXX through XX/XX/XXXX.  The company has found no evidence of unauthorized activity on Equifaxs core consumer or commercial credit reporting databases. 

The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed. As part of its investigation of this application vulnerability, Equifax also identified unauthorized access to limited personal information for certain XXXX and XXXX residents. Equifax will work with XXXX and XXXX regulators to determine appropriate next steps. The company has found no evidence that personal information of consumers in any other country has been impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (I do not know) with CCS Financial Services, Inc. (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Didn't receive notice of right to dispute NEVER RECEIVED NOTICE OF DEBT

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: I received a second letter on Citi letterhead regarding an account XXXX XXXX had. 
XXXX XXXX had been decease since XXXX XXXX, 2009 and I, XXXX XXXX XXXX ( her daughter ) am the Executor of her estate. The letter states, If I believe the account was enrolled without consent of knowledge, I could go to www.Citi.comXXXX and submit a claim for potential refund. The letter also includes a customer reference #, and tracking #, but the website will NOT allow me to submit a claim.

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 02-06-2018 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (NJ).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I took out 4 Trust Account before Wellsfargo took over from XXXX. I'm missing one. Your office needs to find it. I took one out for XXXX XXXX (Found); XXXX XXXX (Found); XXXX XXXX  (Found) and XXXX XXXX (Missing). I am very disappointed with Wellsfargo Bookkeeping that causes them to loose this account. None of the children (young adults) cannot close out or should have access without my permission or me being present. The last time XXXX Account was accessed was in XXXX XXXX, South Carolina at the XXXX XXXX They need to get their record and the information. If I have to dig, I am going to charge for my time. I have called about this account numerous time. My last time visiting a facility was last week in XXXX XXXX I have filed several complaints with the department of Banking and Insurance and the Consumer Finance Protection Bureau (CFPB) regarding this 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 explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was looking at my XXXX credit report on XXXX XXXX, 2017 and noticed it is still showing XXXX XXXX as open with a balance of {$3400.00}. I paid this loan off on XXXX XXXX, 2017 at {$3400.00}. Why is this still showing up two and a half months later? When I go to my XXXX XXXX account, it shows paid in full with a {$0.00} balance. No doubt this is impacting my credit score. XXXX is supposed to be some sort of great credit monitoring product but I do n't see any meaningful benefit from my membership. After contacting them via email, I never got a reply.

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 08/22/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (NY).
Issue: Other service issues

Complaint: i have been dealing with western union, XXXX on line for years and all hae sudden they have banned my name so I can not use the and refuse to tell me the reasonreason why

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The collection company stated above has reported that I received medical attention at the following facilities on the following dates or that accounts were opened on the following dates :  XXXX   XXXX ,  XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX        XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX       These accounts were placed in collections when I never received medical attention on these dates and if I had, I was fully covered by    XXXX   XXXX    and  XXXX   XXXX  coverage on those dates. These are false accounts with false dates in an attempt to try to prolong the collection timeframe on accounts that are clearly fraudulent. As stated before, these are fraudulent tactics and I will be writing an official complaint to the   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  and the Better Business Bureau if these issues continue to persist.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (I do not know) with Greyhill Financial (NC).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: PERSON CALLED ME LOOKING FOR MY SON. I TOLD HIM I HAD NO COMMUNICATION WITH MY SON AT ALL ( WHICH IS TRUE ) AND ASKED THAT HE DO NOT CALL ME AGAIN LOOKING FOR HIM. HE SAID HE KNEW I WAS LYING THAT MY NAME WAS ... ... AND STATED MY NAME AND KNEW I WAS THE MOTHER OF THE PERSON HE WAS CALLING FOR. I TOLD HIM EITHER WAY DO NOT CALL MY NUMBER AGAIN, THIS IS A CELL BY THE WAY. HE THEN SAID HE HAD THE RIGHT TO CALL ME AND THAT IF I HUNG UP ON HIM HE WOULD JUST CALL ME BACK CONTINUOUSLY. I TOLD HIM THAT I WOULD CONTACT MY ATTORNEY AND TO GET A REAL JOB, HE THEN TOLD ME I WAS NOT A VERY GOOD XXXX! HOW DARE HE BRING ANY RELIGOUS CONTENT TO THIS CALL. I HUNG UP, HE CALLED BACK, I IGNORED THE NUMBER, THEN HE CALLED XXXX MORE TIMES SO THE LAST TIME I ANSWERED AND PUT MY PHONE UP TO AN ALARM AND BLARRED IT INTO THE PHONE SO IT WOULD BLAST IN HIS EAR. HE DID NOT CALL BACK YET.

Company response to consumer: Untimely response
Consumer complaint received 09-06-2017 about Debt collection (Medical debt) with Jason A. Craig & Associates (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The medical bill that was owed to the original credior, XXXX XXXX Medical Center in XXXX, Ga but was on my credit report listed under the name Jason A. Craig & Associates was removed off of my XXXX credit report due to being a third party creditor. In XX/XX/XXXX, i was subpoenaed for the amount owed to the hospital which was {$1400.00} with 18 % per annum which turned out to be {$2400.00}. I answered the subpoena on XX/XX/XXXX and was told by the XXXX County, Ga Magistrate court that I would receive a court date in 5 weeks to discuss the charges. I left on military XXXX  on XX/XX/XXXX and returned onXX/XX/XXXX. When I got paid by my civilian job on XX/XX/XXXX,  I found out my wages had been garnished by Jason A. Craig & Associates for {$2600.00} while I was away on military XXXX. I called XXXX County, Ga Magistrate court where the garnishment was filed at and was told papers were submitted stating that i was summoned in XX/XX/XXXX and never responded to the summons which was not true. I was indeed summoned in XX/XX/XXXX and I did answer. When I talked to XXXX County, Ga magistrate court she told me that she never sent out a court date because a lawyer from Jason A. Craig and Associates called her and told her not to send one out because he would contact me to settle the account which he did not.

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
Consumer complaint received 10/26/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Using a debit or ATM card

Complaint: my account was hacked i notified the bank when i realize my money was taken out and a fraudulent check was put in my account.the bank reimbursed me now telling me the money withdrawl was ok. which wasnt the case. it was bank of America

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 04-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with M&T BANK CORPORATION (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My M & T Bank check card has had several security breaches in the past year. I had several foreign and out of state parties steal my check card number to make online purchases. I contacted my bank to report the transactions as fraudulent. One of the purchases appeared to be for this company XXXX and XXXX internet AG. There were several months of charges from this company made by this fraudulent individual ( s ). I contacted my bank as soon as I realized the fraud occurred. M & T bank replaced my card and resolved many of the charges. However, XXXX and XXXX com did not cease the fraudulent action. I contacted them directly to advise that this was fraud and to cease billing me. I asked them to tell me what the service was form what name was used to open the account etc. They refused to verify the debt with me and they refused to refund my money. I explained again that I dispute the charges and they are fraudulent and they refuse to cease collection. They now call my cell phone, a number that they never had until I called them. And they are even sending collection notices to my place of work -- -an address that I never provided to them. My name is not affiliated with my work address at all and my work address can in no way be construed as a residence. The company is willfully skipping my place of employment and disclosing my debt to my employer by sending collection notices to my place of work. They have refused my request to verify the debt and they have been advised that this is disputed and fraudulent debt. I am at a loss for how to make this company cease and desist their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX/XXXX/XXXX I made contact with Jefferson Capital LLC located at XXXX, MN XXXX regarding a collections account that they are reporting to my credit report. I spoke with a representative named XXXX with ID # of XXXX, after explaining that the account they are attempting to collect on was opened in XXXX and closed in XXXX ( Jefferson Capital LLC is reporting the account was opened in XXXX ) I questioned why it shows it was opened in XXXX. XXXX informed me that XXXX is when they recieved the file and could report that date legally. I then asked if they report the file being opened in XXXX that would mean it would stay on my credit report until XXXX instead of XXXX ( if showed reporting from XXXX ). She then told me that I was correct and it will continue to show as a new account from XXXX then would remain until XXXX. When I advice her that I think that is illegal she told me it can be done because that is when they received the account. If this was the case and a new company bought the debt from Jefferson Capital LLC and placed a new open date, the debt would never be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2016 about Mortgage (Reverse mortgage) with Finance of America Reverse LLC (MD).
Issue: Settlement process and costs

Complaint: This is the second complain about Urban Financial of America. Since the last complaint three months ago they are still procrastinating and doing nothing I have submitted everything they ask. This application process is still not finalized. There 's nothing else to submit. I still have not going to settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HUNTINGTON NATIONAL BANK, THE (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: ON XXXX XXXX, 2017 HARD INQUIRY ON CREDIT REPORT THAT I DID NOT AUTHORIZE, PLEASE REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Consumer Loan (Installment loan) with EQUIFAX, INC. (LA).
Issue: Managing the loan or lease

Complaint: Equifax is not reporting my credit history. I have asked them to run my information so that my credit history will show ; however they ca n't seem to update but one thing at a time. There have been several issues on my credit report with equifax and it is effecting my life ; as most run the equifax credit bureau. I have spent well over a month trying to get everything corrected. I am attaching a full credit report and I want equifax to get my information right. What do I need to do?? See attached.

Company response to consumer: Closed with explanation