milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-12-2017 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Deposits and withdrawals

Complaint: I received a refund check from my previous Rental company. It was in joint name of me and my wife. I did not look into the same and tried depositing the check in BOA thru mobile banking. Immediately I realized it was a mistake. However I went to the bank the next business day and got my wife name included in the bank account, but the bank refused to accept the check stating its still under clearance from past deposit, and unless its rejected they can not accept.. I however sent the check the next day, they accepted the check, but they placed a hold for clearance for 10 days. I fail to understand when its my check, my money why is the bank placing hold. I also enquired with check issuing company, they confirmed that they have not placed any hold. 
I tried to call the bank at least 5 times to follow up on the hold status, but they would not share any information. just keep making me run from pillar to post. from one dept. to another. 
I have commitments and bills to pay, and I believe its not fair on the bank to place a hold o my check for such small issue. I think this is discrimination against people and this should be highlighted.

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 10-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with M.A.R.S., Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I reached out to MARS collection, to verify a colection that was reported on my credit the information below in order to verify debt. I recieved an email missing half of the information and was addressed to another party. I would mars to properly verify debt according to texas laws. 
The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance, signatures showing I am liable and responsible for this debt The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AR).
Issue: Loan modification,collection,foreclosure

Complaint: Had a XXXX mortgage for a number of years. In 2012I XXXX was unable to work. I called XXXX, they told me that they would work with me. They forclosed on me instead. I was able to stop the sale by borrowing XXXX. They told me that I would be able to get a 2 % loan. I could never get all the documents they wanted ... I always needed one more.They have since sold my loan to Nationstar. Nationstar put me on a trial payment. They told me that I would get a better rate and a lower payment. They kept the rate the same and extended the mortgage 10 years. This takes XXXX % of my income to pay this. They have lied to me just like XXXX. I want to know what my rights really are. I can be reached at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Debt collection (I do not know) with Franklin Collection Service, Inc. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I spoke with this company several time about the debt was paid before this collection agency picked up this debt. Then I asked them to remove the negative ite that is reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian refuses to remove the fraudulent account off of my credit file due to fraud.My social security number was stolen from me and used to open accounts in my name without my permission.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2017 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: Information belongs to someone else

Complaint: I CONTACTED THE CREDITORS AND THE CREDIT BUREAUS ON THE FRAUDULENT INFORMATION ON MY CREDIT FILES.FIRST I WAS EVER LATE WITH XXXX XXXX, XXXX IS A FRAUDULENT ACCOUNT, REGIONAL ACCEPTANCE IS A FRAUDULENT ACCOUNT, XXXX XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX XXXX, XXXX A FRAUDULENT ACCOUNT, WE XXXX XXXX IS A FRAUDULENT ACCOUNT. I HAVE ATTACHED MY POLICE REPORT PROVING THE FRAUD.

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 08-03-2016 about Bank account or service (Other bank product/service) with BARCLAYS BANK DELAWARE (NY).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016 Barclay Bank Delaware on XXXX XXXX, 2016. I have demanded them to send me a original sighed contracted that I granted them permissible purpose to view my credit. I am getting the run a round. They had no permissible purpose for placing this inquiry on my credit report. I have been demanding them to remove their inqury.

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 08-02-2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Other transaction issues

Complaint: To whom this may concern, I was the designated recipient of money transfer enumerated by XXXX # : XXXX. 

I would like to know why Western Union failed to honor this transaction. 

Sincerely Yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Money transfer, virtual currency, or money service (Check cashing service) with JPMORGAN CHASE & CO. (WA).
Issue: Unexpected or other fees

Complaint: I was given a check from a friend for {$85.00} drawn on her Chase checking account. I went to cash it at the JP Morgan Chase Bank ( Branch XXXX ) and used the drive through window at XXXX XXXX on XXXX XXXX, 2017. The transaction took far longer than I expected, and when I asked the teller, XXXX, what the delay was for, she said they were verifying the funds availability. I was then given a sealed envelope with my cash and ID and I opened the envelope about 1/2 hour later. To my dismay I found they had assessed an {$8.00} fee which is almost 10 % of the total amount of the check. Not once did the teller inform me that they were assessing any fee, much less {$8.00} for a check drawn on their bank. I returned to the bank the next morning, as they were closed by the time I discovered this fee. I spoke with XXXX XXXX XXXX at XXXX XXXX on XXXX XXXX, 2017, less than 16 hours  and less the 1 business hour from the time the transaction was completed. I was told that they could not do anything about it because it was completed the day before. They claim they had to charge the fee since I did not have an account with them. My complaint is twofold : They did not tell me they were charging a fee at all and the fee they charged was excessive. I would like a refund of {$8.00} since the check was drawn on that bank.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Bankruptcy discharged a few years ago, this account is still showing as open and reporting negatively.

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 04/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Meade & Associates, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: MEADE & ASSOCIATES XXXX I have a a unverified account from Meade & Assoc. I had previously disputed this account. I have never done business with MEADE & ASSOCIATES Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C.169g, I dispute the validity of the debt MEADE & ASSOCIATES and I believe it is a HIPPA Act violation. I request that MEADE & ASSOCIATES Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks XXXX. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MEADE & ASSOCIATES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number

Company response to consumer: Closed
Consumer complaint received 06/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Selene Finance LP (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Selene Finance is the servicer of my loan. Selene refused to properly complete a loan modification review for me prior to completing foreclosure of my property located at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. My home was sold for substantially below fair market value and Selene XXXX have refused to rescind the foreclosure to complete my review as is required by the OCC Remedial Framework.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My name is XXXX XXXX XXXX and my husband I and recently sold our home in XXXX 2015. When I contacted my credit card company, XXXX account ending in XXXX, to update my new address it was misinterpreted. Instead of XXXX recording my address as XXXX, PA, it was recorded as XXXX XXXX. Not only was I not aware that my address was incorrect with the company, I never received my new credit card or my XXXX bill that was sent to the wrong address. I was not even aware that XXXX XXXX XXXX was the name of the new company as a result of their merger. I only realized that there was a blemish on my credit when my husband and I were applying for a loan for our new home. As you can see from my past history payment on my XXXX XXXX account I have very good history of paying my credit card on time. I am asking that you please look at this unique situation of our moving in XXXX, the credit card company having the wrong address and as a result we missed a XXXX payment and received a blemish on my credit score. I spoke with customer service at XXXX XXXX XXXX today, XXXX XXXX, 2015 and they made notation of this situation on my account. I am humbly asking you to please consider taking this off of my credit score. This missed payment would not have occurred if we had not moved and my address was correct. Thank you in advance for your time and effort given to this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My credit report contains my parents information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Back in XX/XX/XXXX I submitted a letter to Midland Credit Management at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX to verify a debt they were attempting to collect. I received a letter back from them in XX/XX/XXXX stating that they did not have enough information to verify the debt and that they would remove the information from my credit file and would no longer contact me.
In XX/XX/XXXX I received another demand letter for payment, on the EXACT same account they verified they would close. I called XXXX and spoke with a XXXX XXXX, an office manager, today XX/XX/XXXX who informed that the account should have been closed. This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with EQUIFAX, INC. (TX).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I have had several attempts to open a credit card with my information. I have been able to mitigate this impact with credit monitoring. 

My complaint is why cant I require a biometric security layer for approval of a use of my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Rewards

Complaint: Late last year, in 2015 I went ahead and applied for a CITI Gold Package account. The account package offered a XXXX XXXX XXXX miles bonus directly targeted to me. The miles where to be awarded to my XXXX XXXX account after meeting XXXX stipulations, that I pay XXXX bills from the account and that I spend at least {$1000.00} using the debit card. I completed both of these stipulations well within the time frame allotted and for the last six months have invested over 5 hours of call time and a number of emails have been sent over to Citi in order to get to the bottom of why the miles have never been added to my XXXX XXXX account. I feel that Citi is using these promotional tactics to bait customers into opening accounts and then reneging on their end of the deal. I do n't feel that this practice is fair to consumers and I feel it is predatory.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-05-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WV).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient sent a mass email to myself and 95 other account holders which gave my information to 95 people along with giving me their first and last names along with their email addresses. The email was from a Navient rep stating that I qualified for a new program. Like stated, she sent this email to myself and 95 other individuals which exposed my personal information. She then sent another email to us stating that the email was sent in error. I have been in contact with Navient who claims that they are investigating the email but I am not okay with my information out like that to people I do not know.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My credit score is being lowered by having multiple variations of my name appearing on my credit report by all XXXX major credit bureaus. In addition, there are names appearing on my reports that are n't even mine. For consistency I want My full first name and last name. That is all I want. After disputing this issue they still have n't made the changes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was on a repayment plan for a year making payments of {$280.00}, I called XX/XX/XXXX and they said i did not have to make a payment until XX/XX/XXXX, witch I did ; however, i ask if could do another repayment plan and they said yes, when I called today XX/XX/2016 an spoke with the XXXX representative ( they kept on transferring the call ) she stated i have to have my mom call back and also do I financial statement I asked why because i never had to do that and she said that now they do, my mom only speaks Spanish and even though they do have XXXX speakers ; however, i explained to her that it was already enough of an inconvenience with all this crazy payments that i ca n't afford i told them i am a XXXX mom and also have federal payments and they did n't even acknowledge my situation I ask to speak with a supervisor because i did n't like how she was talking to me, the Supervisor XXXX ID # XXXX phone # XXXX also did n't acknowledge ( horrible, insensible customer service ) and told me that now we have to do the financial statement for the cosigner, once again i told her that i am willing to paid but i do n't want my mother to go through this hassle she is old, have XXXX, and i ask to please send me their legal information stating what their new rules are for repayments and she refused. XXXX told me that they do n't have to give me any payment plan basically if they do n't want to they do n't have to and that they are just willing to do a 2nd one ( when in fact i have had always payment plans ) because they are a private company, she also told me that was the only payment plan available for me and no way to go around it, she also said that she could NOT send me their legal rules an regulations because they are a private lending, again i told XXXX that i know they can because that 's a right i have to know what are their guidelines for payments. She said she was going to send me the promissory note ( the only document she could send me ) by mail as soon as i mentioned cfpb. I just ca n't believed that they do n't have any options to work with us that are struggling with this payment she acted like she did n't care at all and in fact she did. When they took the verbal confirmation from my mom by me translating to her so she could be a co-signer and now they are telling me she has to call and do this?? Once again i am willing to make the payments and even the financial statement with my mom, i just think that this is not right whatsoever and they should have more payment options available, how can that be possible? that 's the only one, please help me i am desperate I do n't know what to do anymore with all this payments I need a solution because the only reason i am doing this is so my mom credit score do n't get damaged thats all she a decent credit, because these students loans are taking half of my paycheck a month. 
Thank you for any assistance and any help I can get in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (I do not know) with ONEMAIN FINANCIAL HOLDINGS, LLC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I'm asking can One Main Financial take off all off my close accounts that on my credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Using a debit or ATM card

Complaint: In XXXX I opened an account with Chase Bank in XXXX Ohio. On Saturday XXXX XXXX my wallet was stolen and my debit card was utilized for multiple transactions totaling in {$880.00}. My wallet was stolen at about XXXX XXXX, and I was unaware of its absence until approximately XXXX. I had miss placed my phone and was unable to call to report it stolen so I used a disconnected cellphone through its wifi capabilities to message an ex of mine whom I still shared an account. He called the visa card fraud agency at XXXX to report my cards stolen for me. First thing Monday XXXX XXXX I went into my local bank to report my card stolen. My personal banker spoke with the fraud department personally and filed the claims on the fraudulent activity for me per their specific instructions and informed me the money would be back in my account within 5 days. On XXXX XXXX I filed a police report with the local police, report # XXXX. On Friday XXXX XXXX I called the call center after work to find out the status of my claim and I was informed it was being denied because it was filed improperly. On Monday XXXX XXXX I went back in to my local branch to have them refile the claim since they were the ones responsible for the way in which the claim was originally filed and again my personal banker called and went through the process of filling the claim as he was instructed. Again my claim was denied, this time they said it was because of the short length of time in which I had been in business with them. I again requested to have it reviewed, this time the claim was sent to the executive office and again it was denied. This time they claimed it was because I was able to access it from a mobile device but I had not yet called to report it stolen. They acted as though they did not believe me that I was using a disconnected phone via wifi, and refused to acknowledge the fact they failed to deactivate the card after my ex-partner had called and reported it stolen through visa. I went into the branch the following day to see if there was anything they could do and they spent over an hour on the phone until they were informed there was nothing they could do for me and that they were to inform me Chase was terminating our relationship. On XXXX XXXX I received XXXX checks from Chase in the amounts of ; XXXX, XXXX. The XXXX for XXXX is the exact amount for XXXX of the fraudulent charges, the other does not match any of the charges. I do n't understand how they can pay me out for XXXX of the fraudulent charges but not for the remaining charges if they claim it was due to my behavior/actions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-07-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below:

30 days past due as of XX/XX/2017

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: This is not my account. 
I sent registered letters to all parties involved and never received a response. 
I had to send XXXX letters to finally get a boiler plate letter stating, there were no changes made

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