milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Called the customer service for the XXXX XXXX XXXX card and reported a fraudulent charge and two weeks later my credit report has impacted very adversely notating that XXXX reported a complaint.  The Credit specialist at XXXX is not giving me much information or having this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2015 about Credit card () with CITIBANK, N.A. (DE).
Issue: Other fee

Complaint: I am a cardholder with Best Buy Credit Services and I was automatically enrolled into a debt protection service without my knowledge and I have been being billed on a monthly basis. I rarely look at my statements and noticed it today when I was paying my bill. Upon contacting Best Buy at XXXX, I was told that I was enrolled since XXXX/XXXX/2011 and have paid a total of {$150.00} into the program. I am requesting a FULL REFUND of this amount, in addition to any interest that I may have paid on top of this amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: The Social Security Administration incorrectly listed me as XXXX dated XXXX XXXX, XXXX. When I was made aware of this issue from a TransUnion credit report on XXXX XXXX, XXXX, I promptly went into my local Social Security Administration office to verify  that I was not, in fact, XXXX. The Social Security Administration issued me an Erroneous XXXX Letter and advised that I submit this letter to various credit reporting agencies and financial institutions to unfreeze my accounts and correct my credit report. The Social Security Administration made me aware yesterday ( XXXX XXXX, XXXX ) that the information had been corrected in their system and no agencies or cards should have any reason to list me as XXXX. 

In order to have the incorrect information removed from my credit report, TransUnion asked me to fax them the Erroneous XXXX Letter from the Social Security Administration, which I did promptly on XXXX XXXX, XXXX. On at least two separate calls to TransUnion I spoke to employees named XXXX and XXXX who each advised me that they could neither confirm receipt of the fax nor help me understand the steps I needed to take to remove this false information from my report. XXXX specifically told me ( and repeated multiple times ) that she had " no idea '' how her agency receives information related to Social Security information and that there was no way they could refresh their information to reflect the most updated information from the Social Security Administration ( where the issue has since been corrected ). She also advised me there was no other supervisor I could talk to about the issue. 

Given this erroneous XXXX note will make me unable to obtain credit and that this error was unrelated to any prior actions I had taken, I would like an expedient route to have the error corrected in TransUnion 's system.

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 09/13/2016 about Debt collection (Payday loan) with BTH Management (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I noticed on my latest credit report a collection account from this company but as of XXXX XXXX I have n't received any communication or verification of this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Debt collection (Credit card) with U.S. BANCORP (SD).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My employer received a call from XXXX saying the reason of the call was for a subpoena for me and that they could n't give any other information. Returning the phone call, I was told that a letter was sent to XXXX, XXXX XXXX XXXX XXXX ( that zip is a XXXX zip ) by US Bank with no response and I am now being taken to court ( they were unsure of which court ). They referenced a US Bank account from 2006. 

I repeatedly asked if this was an attempt to collect a debt, always the response was no, however, this line was referenced three times, " do you want to take care of this now or are we going to see you in court. " I have a XXXX credit rating. This account that they are referencing was taken care of years ago. They are trying to scam money out of people through old debts. The fifth person I talked to finally gave me an address of their location : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I recognize this address! I have sent a letter to them to cease their attempts to collect past debts! XXXX XXXX XXXX is listed as an attorney at this address. How is she and her office still in business?!?! A XXXX search shows tons of complaints! Seriously, HOW IS THIS OPERATION STILL OPERATING??? 

They have my social security number and are threatening me with illegal legal action!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Bank account or service (Other bank product/service) with Comerica (MI).
Issue: Account opening, closing, or management

Complaint: We are a XXXX ( XXXX per year ) and we banked with Comerica for four years. We found them to be very self-serving and not honest. We had enough of their Trumpian ways and have found a smaller community bank to handle our precious money. We will go out of our way to pass the word through online reviews that this bank is not a good choice for honest people.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX amount was for XXXX. XXXX XXXX took me to court ( XXXX District Court )  and case was dismissed. This account does not belong to me. I had disputed the account XXXX XXXX from my credit report and they refuse to remove it, even with the document from court that show account dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I 'm contacting CFPB to aid me in resolving previously deleted accounts that have reinserted on my credit file. 

My Equifax report dated XX/XX/XXXX showed no " Negative Information " reporting on my credit, see attached online print out. My current report dated XX/XX/XXXX shows XXXX accounts under the " Negative Information '' section ; see attached online print out. I have previously disputed these XXXX accounts with Equifax : XXXX XXXX XXXX, XXXX XXXX, and XXXX Card. I recently sent a dispute on XX/XX/XXXX under Confirmation # XXXX ; enclosed is a copy of the dispute. 

Equifax reinserted the XXXX deleted accounts without notifying me. The FCRA states that they must inform me within 5 days of the reinsertion. 

I 'm in disbelief that this error is happening on my file. In XX/XX/XXXX I resorted in contacting the support of the Consumer Financial Protection Bureau on an item that had been deleted and reinserted. Through your support Equifax fixed the error. 

It 's absurd that they are violating my rights under the FCRA and they are careless. It seems to me that without resorting to filing a complaint with the Consumer Financial Protection Bureau, they do not follow FCRA procedure. 

In addition, the state of Nevada revised statute clearly states that a dispute must be completed within 30 days ; yet the online system shows XXXX disputes " pending '' from XX/XX/XXXX and XX/XX/XXXX How could I possibly trust this company 's procedure when they have violated the XXXX and XXXX laws over and over again on MY file. It seems that this is their " standard '' practice. 

Equifax needs to be sanctioned so that they do n't commit these types of errors again nor with other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Bank account or service (Checking account) with ASSOCIATED BANK, NATIONAL ASSOCIATION (IL).
Issue: Problems caused by my funds being low

Complaint: Associated Bank who I have been a customer with for over 10 years is continuing to add fees to an account that is already overdrawn. I am constantly getting conflicting information, I was told by the customer service toll free number that I could cash checks on my savings account since it had a positive balance, I was told at the branch that I would have to deposit my work check in the negative account even though I am not in the position to do that. I was at the bank on Saturday cashing a {$4.00} check and I heard the teller yell that my account was overdrawn which a few people overheard. The teller should have just given me the negative balance on a receipt and not yell it where other people could hear it. It was very unprofessional but the bank states they will close this account if the balance is not bought to a positive balance, the account will be closed on XXXX/XXXX/16. I have spoken to my other bank XXXX XXXX about not honoring my check but they are investigating this and I was advised it could take about XXXX days which means this will be resolved until XXXX/XXXX/16 per their calendar. I want all of the fees after XXXX/XXXX/16 to be credited back to the account because the account is already negative so need to add unnecessary fees to the account. I had Associated Bank collection calls and they claim my address is incorrect even though my address has been the same for over 12 years. They continued to call me even though they claim the information is not correct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (AZ).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I made a phone call to Citibank XXXX XXXX, XXXX to close my account and pay off the entire balance. They confirmed on XXXX XXXX, XXXX that in order to close the account that day I needed to pay XXXX $ I payed that exact amount that day and they told me that my account would be closed. 2 months later on XXXX XXXX, XXXX I received a recorded phone call from Citibank saying that i was 2 months late on an interest charge they applied to my account the same night I closed the account XXXX XXXX, XXXX. I called them back to see what the issue was being that I had closed the account 2 months before. The first person i reached from Citibank said she had no record of me closing the account XXXX XXXX, XXXX and that it had remained open. I then asked to be transferred to a supervisor as i knew this was incorrect. After being transferred to the supervisor, they said they had found the notes on my account being closed but it was charged an interest fee that came the night of XXXX XXXX. They said i needed to get a subpoena to get the original call when I closed the account, that confirmed them saying they would close it if I paid the balance of XXXX XXXX which I did.

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 12/27/2016 about Bank account or service (Other bank product/service) with WEBSTER BANK, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I have a health savings account with HSA Bank, A division of Webster Bank. For 2016 I need to distribute {$6900.00} for Dental, Medical, Vision and XXXX. I recently added my bank account info to their website in order to distribute money to my account for these expenses. Their website said this would allow me to get my funds more quickly. When I attempted to distribute funds to my bank account an error message said {$2500.00} was the daily limit. I distributed that amount to my bank account, but every time I try to make subsequent distribution, they block my account. I have called them numerous times and they say will fix it, but it keeps happening. This money belongs to me, not HSA Bank. They have no right to withhold my funds. I have incurred expenses to make the numerous calls because my only phone is a pre-paid cell phone and I have lost interest that I could have received as I would have placed these funds in my Money Market Account. I have already paid the bills out of my own funds.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (KY).
Issue: Credit decision / Underwriting

Complaint: I started a loan modification process with HSBC back I XX/XX/XXXX, due to a loss of income with my husbands passing. I received a phone call, saying I was approved, and I needed to make the first two initial payments over the phone that day. I did I paid {$1900.00}. for XX/XX/XXXX and XX/XX/XXXX. Since then I receive calls no paperwork just calls every to to three days telling me they are still working on it. I did make my XX/XX/XXXX full payment even though HSBC advised me not to. I decided to refinance simply because the rate is lower and I was tired of waiting. My financing is all approved and last week we did a conference call between XXXX XXXX, myself, and HSBC. On this call they stated everything was current and my balance was around XXXX. We requested that this would be faxed to XXXX and when they received the fax it shows a balance of XXXX and XXXX in interest plus it shows me default for XX/XX/XXXX, XX/XX/XXXX, and soon XX/XX/XXXX. 
I contacted them. They said I had two deferred payments years ago, which I did and they are charging me 5,700 in interest on those two payments. The rest of the XXXX is my interest for non payment of XX/XX/XXXX and XX/XX/XXXX. They acknowledge they have my money for all three months, but now they are saying they will not apply it to my account for up to another six months, till the loan modification is done. So I will be in default till then, which will kill my credit. I asked to take me out of the loan modification and explained that I needed this refinance, and they simply said no, we can not. I have asked to speak to a manager, and was told there was no XXXX available to help me. Now when I call them or anyone calls them on m behalf, it disconnects them when they input my information. I have been XXXX up front with them since my husband passed away and all I am trying to do is keep my home and make my payment affordable.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Trouble during payment process

Complaint: I purchased a condo and less than  one  and a half years later  my 30-year FIX ED rate mortgage payment has increased {$370.00} a mon th ( or 14 % ) due to erro rs. The dispute and follow up has been ongoing since  XXXX  and my fourth increase in just  five  months is set to occur in  XXXX .     Each time I have noted an error and voiced a concern, I receive an acknowledgement an error occurred and my account will be fixed / credited, and then my mortgage payments INCREASE.     All errors made with my escrow account ( that I know of to date ) have now been credited but my mortgage payment remains at the exasperated amount.     I have discontinued auto-payments and will send the original amount that I 'm meant to pay, as these errors should not result in a significant financial hardship for me and my family.   
Please see attached for the letter I most recently sent Ocwen and all the support I provide as well - and cross referenced for ease of use - for them to fix the error. Happy to provide evidence of my attempts to resolve as well as the inaccurate letters and statements I received from Ocwen thus fa  r.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Trouble during payment process

Complaint: Ocwen Loan Servicing used Falsified documents to foreclose on my property. I have submitted verifiable proof of fraud and forgery in the recorded chain of title in regard to critical foreclosure XXXX County Supreme Court Index No. XXXX Their Improper assignments were recorded in the county land records offices. Improper assignments were submitted to the Court in support of foreclosure motions Improper assignments were accepted by the Court as valid assignments that substantiated the foreclosure. The Corporation of Assignment of mortgage by Ocwen loan servicing on XX/XX/XXXX with of seller servicing number of XXXX XXXX, old servicing number XXXX XXXX is signed by Fraudulent Public Notary. Book/Page XXXX Instrument No.  XXXXThe Corporate Assignment of Date of assignmentXX/XX/XXXX between Ocwen Loan Servicing LLC and XXXX XXXX XXXX XXXX Please note XXXX XXXX Commission No. XXXX with a commission expiration ofXX/XX/XXXX in State of Iowa , County of XXXX XXXX is not valid. I have attached proof. I was foreclosed upon based upon falsified document. The bank submitted several different promissory not submitted as proof of ownership. In prior CFPB complaint, I requested XXXX XXXX XXXX to submit a copy of Promissory Note, no which appeal like ones submitted by Ocwen or its predecessors. I would as them to return ownership of my home asap. In previous complaint XXXX I am requesting document proof of servicing contract in regard to prove XXXX was my investor. Ocwen reputed my claims of robo signing. The multitude of homeowner of cases and settlements in every state proves other wise.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX XXXX Bank is reporting account that I do n't recognize. Acount number that they are reporting is XXXX. I have sent letters to XXXX, Experian and XXXX asking them to delete this account from my report becouse it is serious violation of section 609 of the Fair Reporting Act. None of the bureau did not delete this item and it is seriously hurting my Credit!

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 08-04-2016 about Debt collection (Credit card) with Colony Brands, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 'm writing to file a complaint. The complaint is brought against the merchant ASHRO for harassment. Unfortunately, the items were returned due-to defect and fit : Credit Account : XXXX : item number ( XXXX ) CLPTRA DRESSES /XL, for total of XXXX dollars. The products were returned using company label. Costumer disputes the felonious charges billed to account. XXXX dollars, plus XXXX dollars late fee, followed by XXXX per/month dollar processing fee. I disagree with the charges. I returned the merchandise in a timely manner, but ASHRO continues to harass customer with obnoxious phone calls and threats to ruin my credit. I want the calls to stop. I will forward all records concerning the matter enclosed in complaint. Please be advised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/26/2018 about Debt collection (Other debt) with Universal Recovery Corporation (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I recently signed up for a tanning package with a local company. I payed XXXX + some additional free for there basic membership, allowing access to the most basic tanning beds. The benefit to the membership is that the cost to use the top of the line tanning beds is greatly reduced for members. I bought single upgrade to the top tier tanning bed totaling XXXX $ cash. While paying the employee informed me of a {$90.00} package that included 6 tans. Being the sucker that I am I agreed that I would benefit for saving money buying the tans in bulk vs each time I visited. The employee recommended I tan for the full 10 minutes in the bed for my first session, and since I wanted to expedite the process of tan skin I agreed. The end result was 3 weeks of XXXX XXXX, 1 week of XXXX XXXX, and 1 visit to the ER funded by myself.

Dissatisfied with the business, I decided to dispute the charge for the remaining 6 tans that I hadn't used. I called the company myself without the guidance of the bank and they refused to refund the money, and insisted that I could come back and use the remaining 6 credits anytime. I informed them that after visiting the ER and suffering for 3 weeks I wouldn't be tanning again, but they stuck to there guns. A few days later I contacted XXXX XXXX XXXX XXXX card customer service about disputing this charge. They proceeded to 3 way call the company with me on the line. We discussed out the details of the dispute to the tanning company tele rep, and she informed me/XXXX rep that the appropriate person would be in contact with XXXX if needed later that afternoon. 
Time carried on and XXXX never heard back from the tanning company regarding the dispute and I was refunded the money for the 6 tans. Approximately a month later I received a letter from the tanning company claiming they were sending the total of {$90.00} to collections along with a {$25.00} charge. I immediately called the tanning company and asked what was going on, they informed me that there is nothing they could do, and that the debt had be acquired by a collection agency. I then proceed to call XXXX and inform them of the situation, learning there is little they can do for this type of situation. The debt collector actually made initial contact the very same day I received the letter and called the tanning company. Seems like they were out for revenge regarding the dispute I was awarded. 
I informed the creditor of the dispute being settled and even offered to send the documents from XXXX showing this process. The creditor had no interest in the documents, and told me the debt would need to be settled regardless. This doesn't seem fair, what is my next step in this process.

Company response to consumer: Untimely response