milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-03-2015 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (NC).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2015 a freeze was placed on my checking account. The original freeze on my checking account totaled {$320.00}. On XXXX XXXX, I made a debit card purchase for {$19.00} and the bank refused to pay. On XXXX XXXX, 2015 my employer deposited a checking into my checking account for {$1000.00}. On XXXX XXXX, 2015 the bank confiscated my payroll check from XXXX XXXX, 2015, for {$1000.00}. My check was garnished for child support prior to direct deposit from my employer. I asked the bank manager at XXXX XXXX XXXX XXXX XXXX, NC with no resolution on XXXX XXXX, 2015 and again on XXXX XXXX, 2015 thorough phone and in person. Moreover, Fifth 3rd bank did not confiscate monies in my saving account, WHY NOT?

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian has performed an investigation by adding names instead of admitting their report is inaccurate, the social security administration in 2005, after realizing that they assigned XXXX likewise named individuals with the same social security number redesigned my name, instead what Experian has done, is make me subjected to multiple reporting of items and creditors which are n't mine, to include a host of public records, knowning on the basis of name identification is n't mine, but instead of admitting error, they add the name which does n't even verify to my social security number, and then state they investigated the item, and verified its mine, knowningly that that statement is false, and they have added a name to my credit report to support their statement. This is the eighth time that this error has been corrected, and they continue to perform in the same manner as previously.

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 01/20/2017 about Credit card () with CITIBANK, N.A. (VA).
Issue: Credit card protection / Debt protection

Complaint: I purchased a high definition television that cost {$1700.00} from Best Buy in XXXX. In an effort to build credit ( since I usually make all purchases in cash ), I opened a Best Buy Credit Card. I bought it on a promotion that gave me no interest as long as the tv was paid by XX/XX/XXXX. I made all monthly payments in excess of the minimum pmt due. Unbeknownst to me, there was a debt protection program added on that added an additional $ XXXX- {$25.00} to my bill every month which made it impossible to pay off the balance. Due to my work schedule ( XXXX ), I never looked at the bill. I always drove to Best Buy when I arrived home and paid {$100.00} on my account. It was not until after XX/XX/XXXX that I received a bill saying I owed about {$4000.00} for the tv because of deferred interest. I requested all of my bills, which Best Buy could not provide because the account was taken over By Citi from the originating creditor, XXXX, so they provided as far back as they could. It was at that time, by looking at my statements, that I discovered the debt protection program was being charged monthly. I continued to pay until this past XXXX ( XXXX ). Debt Protection has been canceled and they promised a refund of {$1400.00}. Best Buy advised us on a call they would apply the refund to the promotion and that I would get what I overpaid back. In a later call, Best Buy then advised that the monies would not be applied to the promotion but to the account balance. We requested for them to pull the call and have a manager call us back and they never did. When we called back to speak with them, they never notated it on the account. At one point, we were offered a settlement, which we refused initially to get the debt protection issue resolved. Today we called to settle to get the account closed out once and for all and we were told that no settlement was available. When we asked why, we were told there was no specific reason, only that no settlement was available. To date I have paid {$1400.00} in the debt protection program and for the last 6 months I have paid {$1000.00}. Citi was unable to provide with the total payments made since the account opened on XX/XX/XXXX. I have been advised that I need to write in to get a copy of the statements from the inception of the account, which I will request today.

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 09/26/2017 about Payday loan, title loan, or personal loan (Installment loan) with Liberty Loan Co inc. (TX).
Issue: Problem when making payments

Complaint: I have run into a financial situation. I 've contacted the company and told them once I get my income tax I would payoff the loan and please DO NOT call my job or personal phone anymore. They continue to call my job putting me at risk of losing it. As of today X/XX/2017 I want Liberty loan to stop calling and harrassing me about the money owed to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Fraud or scam

Complaint: Regarding : MONEY GRAM On XX/XX/2017 at XXXX ; XXXX PST, I went to a Money Gram store to send money to my aunt in a rural town in XXXX, I sent {$100.00} Us dollars. I have the receipt and confirmation number which will be attached. My aunt XXXX lives in a rural area of XXXX, XXXX, XXXX which does not have a town market nor does she own a personal telephone. She was not given the the reference number for approximately 1.5 weeks ( because she had no access to a telephone nor ride to pick up the money ) when she was able to get a ride into the nearest town of XXXX, XXXX, XXXX. When she arrived to XXXX at the XXXX she was told the money was already picked up the same day the money was sent, at XX/XX/2017 XXXX. This was impossible since she nor anyone else had the reference # until the day she went to town. I immediatelty contacted Money Gram to make a complaint and get a refund or find out what happened to the money I tried to send my aunt to assist with her medical care. I was given a case # XXXX and was told they would do an investigation. Today XX/XX/2017 I was left a message by a XXXX at XXXX ex XXXX when I attempted several times to call back without reaching anyone or real person. I called XXXX and spoke to different staff to no avail I asked and reached a supervisor named " XXXX '' which refused to identify herself by a badge no employee number, she told me my aunt picked up the money she refused to tell me where, which, state, city or store. She told me it was Money Grams policy not to provide that information that if I wanted that info I would need to take them to court. My wife then got on the phone with XXXX and stated we felt " Money Gram '' stole this money because no one was given the access or reference number. XXXX stated your aunt picked up the money I asked her where? She then asked me where we sent it and we said XXXX and she said yes XXXX, she then asked what city and us knowing there was no store nor bank in XXXX we told her the name of the local village our aunt lives in and XXXX then said the money was picked up there in XXXX. We confirmed that she was indeed lying to us and decided to submit this report to the CFPB for assistance in obtaining our money back. Please feel free to contact us by phone or email

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have XXXX major problems going on right now and its across all XXXX bureaus. 
# 1 reinsertion of previously deleted items without required notification within 5 business days pursuant to section 611 # 2 " verification '' of information without providing the documentation that I requested that proves that these accounts belong to me - XXXX V TRANSUNION states in no uncertain language that once I notify them that their results are wrong, they have to go beyond the original source of information to ascertain that the info they are receiving is correct. Congress also states that to be able to verify this information they actually have to have firsthand knowledge which means that they have to have the docs. 
# 3 Multiple accounts keep getting passed around from company to company and are also reporting multiple times concurrently which is illegal - only the company that actually holds the account can report it! 

Here is the body of my disputes to TransUnion : ** I want to know how the same collection accounts are being reported by different collection agencies as well as being deleted and the reinserted and then reported by a different one and then passed to another? How do accounts go from XXXX = XXXX UNKNOWN MEDICAL = XXXX = XXXX UNKNOWN MEDICAL XXXX XXXX XXXX XXXX? How is this even legal??? ** Only the company that actually holds the account can report the account and not even one of them has been verified! 

This XXXX XXXX XXXX account is showing a balance that is the wrong amount and you also have a date opened that is different than what the other XXXX bureaus are reporting! So how are you verifying this account? By someone saying that they see my name a screen? Seriously?? 

XXXX XXXX is also being reported as XXXX XXXX XXXX XXXX ( XXXX and TransUnion ) and only ONE of them holds the account - this is double jeopardy! Remove this immediately! 

XXXX XXXX is also being reported as XXXX XXXX ( on XXXX ) and UNKNOWN MEDICAL XXXX ( multiple times! ) and only ONE of them holds the account - this is double jeopardy! Remove this immediately! 

You added XXXX XXXX XXXX XXXX as 60 days late and # 1 I was not 30 days late and # 2 I 'm sending proof that you are reporting this wrong! XXXX has 30 days x3, XXXX has 60 days and TransUnion has 30 days and all XXXX have different open dates! Fix this immediately! 

I 've already stated that I do n't know what XXXX XXXX is nor XXXX XXXX XXXX! Where 's the documentation that proves that this accounts belongs to me!?? 

You 're reporting XXXX XXXX XXXX XXXX ( which by the way is unknown ) and XXXX XXXX is reporting the same account - they are XXXX different collection agencies and only the account holder can report the account! This needs to be removed immediately!

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 08-11-2015 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: for weeks, people claiming to work for XXXX XXXX have been calling me, my wife, my family, and my place of employment threatening to serve me papers at work and at home. I have repeatedly asked them to stop calling everyone and they are very unprofessional and rude. They have made my wife cry several times due to the harassment. They call from many different numbers and are not friendly. they also threaten to garnish my wages, sue me, and threaten that jail time will be considered. I have asked them to send me a post-dated bill to let me know that they are a real company collecting a real debt. they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Mortgage (Conventional home mortgage) with Real Time Resolutions, Inc. (NV).
Issue: Incorrect information on your report

Complaint: This is a rebuttal to the response that XXXX XXXX XXXX replied. I DID NOT ASK THE DEFINITION OF A CHARGE OFF I am well aware of what that means. It 's a bank code that is used to show a loss. That did not answer any of my original questions with this company. What this company is doing is Double Jeopardy in a sense,. The initial company charges off the same account that they purchased or took over. The account number is the exact same as the initial. This makes the mortgage look as though it was charged off twice. Where is the signed documents? Where is the payment history? I did not ask them what the other company was did I asked what kind of underhanded treatment they are trying to pull. Just what accurate law and regulations are they quoting? How is this even close to being legal? For the first company to charge it off and then again this one. I would think that this violates the Fair Debt Collection Practice Act which would include unfair and deceptive practices. I want to see a Mathematical audit on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Debt collection (Credit card debt) with Firstsource Advantage, LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I had a XXXX XXXX account charge off in XX/XX/XXXX and I tried to settle it with them before it went to collections. XX/XX/XXXX I filed a report on CFPB only to learn that while I was trying to settle with XXXX XXXX they stated it was already with a collection agency, I never received notice and after speaking with XXXX XXXX they gave me the creditors information Firstsource Advantage and stated that Firstsource has sent me 2 letters, which I never received.Not to mention they have all my up to date mailing address and phone number because I have 2 other credit cards with XXXX XXXX.I recived all the information from XXXX XXXX ONLY because I filed a complaint through CFPB or i would of never know the account had been placed with a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo continuing it 's racist XXXX discriminatory erroneous racist conduct reporting me delinquent on my mortgage payment to the credit bureaus ( credit report attached ). Fully knowing that I have a toxic neg amortization pick a payment loan that has a minimum of XXXX payment options on it : Minimum, Regular, or 15 year. They also have changed the account number on the same account, and am reporting me delinquent for XXXX separate accounts which really are the same account with a higher erroneous account balance!!! I have also requested that I be provided a copy of the mortgage Note, payoff quote, and verification of mortgage, and a itemized breakdown of my payment options on the toxic neg amortization pick a payment loan, and have gotten No documentation, or communication from them regarding my requests. Racism continuing to spew it ugly head like the high school girls in XXXX, Arizona!!! I 'm getting tired of filing complaint after complaint on their obvious overt XXXX XXXX blatant XXXX discrimination business practices, in addition to their hate crimes, and harassment.

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 06/13/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (OR).
Issue: Making/receiving payments, sending money

Complaint: 1. I authorize withdrawals from my checking account for my payment and they do not come out. Example : I authorized a withdrawal on XXXX/XXXX/2015. It 's been 4 business days and the payment has not come out yet. Then the bank says that my payment is returned. I have enough money in my account, it just is not debited. I paid XXXX other bills, XXXX the State of Oregon, and the other the IRS, on XX/XX/XXXX. XXXX payments, also through checking account debit, came out the same day. 
2. Chase has locked me out of my online account access. I tried to log in using my account number, my social security number, and date of birth, and it locked me out. I called. I was on the phone for 24 minutes and when I finally got to someone who could help, she asked me security questions like what streets I 've lived on and where I 've worked. She told me my answers " could n't be verified ''. I do not know where Chase is getting their information about ME, but it is not correct. I KNOW where I have lived and where I have worked. I wrote them a letter to this effect, but did not get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Orginally I had an   XXXX   XXXX   XXXX   (   XXXX   XXXX    spinnoff ) with credit limit of {$800.00}. The bank reduced my credit limit several times without notification until I asked for the notification. The company stated they can reduce my limit if they choose. When my  credit score w ent up they reduced my limit which brings my score down. I have kept a   XXXX    balance on the card per month and I think because they are not making money off me this is the case. I see several complaints of this on the  XXXX  user board.     We bailed out this bank and this is how they treat us?

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 01-08-2017 about Bank account or service (Checking account) with E*TRADE BANK (FL).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/2016 someone made a few online purchases ( {$400.00} ) using my Etrade debit VISA card fraudulently. I called Etrade to report it and since then I have been trying to get reimbursed for my funds without success. I have been a customer of Etrade Bank for close to 11 years. This process has been horrible. I have been calling about every five days and the whole handling of my case is a disaster. They closed the investigation without telling me about three weeks into the process among many other excuses which are not going anywhere on getting my money back. The investigation was re-opened and the operator from customer service told me that he was sorry and that it must of been an internal error. I 'm still calling about every 5 days and only get excuses. What can I do to get my lost funds? 
Thank you for your help.

Company response to consumer: Closed
Consumer complaint received 07/30/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: Transactions updates take long I 've been waiting for the update of payments sinceXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my loan with Carrington Mortgage LLC in XXXX of this year 2016. As early as this month, my mortgage payment has gone up again. When I contacted Carrington in XXXX 2016, they assured me that my monthly payment would not go up. They told me that there should not be another escrow analysis done until next year. For whatever reason, my monthly payment has now gone up again. I only refinanced a few months ago! I have to wait on the phone for literally 45 minutes to an hour to get an " explanation '' that does not make sense. I can also not make more than XXXX payment online per month. Ever since Carrington took our loan from XXXX XXXX XXXX it has been a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Credit card () with DISCOVER BANK (NJ).
Issue: Closing/Cancelling account

Complaint: I have been a discover credit card holder since 2012. During my entire card membership with the company, I was never late with my monthly payments, always stayed under my credit line, and never charged my credit card for any purposes other than making a legitimate purchase. 

This was my XXXX credit card that established my credit history as of 2012. 

XXXX months ago, without any warning and notice in advance, the company closed my account ( and also my checking account with Discover XXXX and thereby severely affected my credit profile and credit score. I contacted the company and demanded for an answer. Other than the excuse that " we are no longer able to meet your servicing needs, '' the company never gave me a forthcoming response. 

Upon the discussion I had with other cardholders and information I learned from the internet, I have a reasonable belief that the closing was targeted at a large number of cardholders with a particular racial and ethnic background ( more specifically, XXXX XXXX without a just ground. I believe that CFPB is or will be getting more similar complaints in the nearfuture. 

I respectfully urge the CFPB to take this matter seriously and to look into this case. We consumers are powerless to protect ourselves from discriminatory actions like this. But if the closing was indeed motivated by racial bias, the company 's action has to be put to an end. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Consumer Loan (Vehicle loan) with CIG FINANCIAL LLC (CA).
Issue: Managing the loan or lease

Complaint: CIG Financial is constantly calling and harassing people who I used as references for an auto loan, looking for me after I have already told them to stop calling. People are calling/texting me angry and upset because they are saying a collection agency is calling looking for me and they do not want anybody calling their phones to speak to me. This has happened more than once on numerous occasions. CIG Financial will not stop the harassment and they are causing conflict! According to XXXX XXXX, she notated my account for no references to be called, yet this has not happened. CIG is constantly violating my rights and breaking the law.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief