milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: My business debit card was stolen. I wasnt aware of the situation until after 2 weeks of fraudulent activities. Im not sure exactly when my debit card was taken because, I dont use the card physically. Proper procedure is, if there are any suspicious activity or fraudulent purchases, that my debit card will be locked, and I will be notified. I DID NOT RECEIVE ANY ALERTS OR PHONE CALLS. The transactions start on XX/XX/XXXX and end on XX/XX/XXXX. They consist of ATM withdrawals, ATM deposits, money order purchases and store purchases. There was Fraudulent checks deposited through the ATM machines also. A grand total of {$19000.00}. The investigation was done, and Bank of America decided to close my account because my PIN # was used. I didnt think that decision was right, considering that Ive NEVER giving out my PIN # or giving anyone permission to use it. I asked Bank of America to reopen the case. Bank of America reopened the case, did their investigation again, and came up with the same conclusion. I then asked for a copy of the report. I was told that it wasnt any physical paper work, and the decision was based off the PIN # usage. I received a letter on XX/XX/XXXX stating that my account has been CLOSED, because the transactions were authorized and posted correctly to my account. On XX/XX/XXXX Bank of America excepted a deposit of {$800.00} from a disbursement from the IRS, into a CLOSED account. The payment went towards the outstanding balance. First or all, I wasnt contacted when the transactions were taking place. I then contacted my police department to file a dispute on my transactions and a complaint against Bank of America. I proceeded to open another bank account for business and ALL of them would close after about 48 hours. Now I find out that Im listed with the Check consumer beau because of the Bank of America situation. This enables me to open an account anywhere. I was then told by XXXX XXXX XXXX to register with the Secretary of State to become a XXXX, so I could use my Tax ID # for the bank account. That account closed also. Then I went to see XXXX at XXXX XXXX. Thats when I was guided on how to handle the whole situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (I do not know) with The CBE Group, Inc. (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XXXX XXXX 2017 at XXXX I received a call on my cell phone from XXXX but was not able to answer the call. Later that day, at XXXX, the number called again. This time I answered the phone with my name and the caller asked for XXXX XXXX. I responded that they had dialed the wrong number. They asked if I knew XXXX XXXX and I responded that I did know her ( she is my sister ). The caller said he was from CBE ( or something like that ) and had an important business matter to discuss with XXXX XXXX and he asked me to give him her number. I refused since I have no idea who this person is. After this phone call, I received several other phone calls from these numbers. I received a call from XXXX at XXXX on Saturday, XXXX XXXX 2017 and did not answer it. I received a call from XXXX at XXXX on Monday, XXXX XXXX 2017and was not able to answer it since I am a XXXX XXXX and in class at that time. I received a call from XXXX at XXXX on Monday, XXXX XXXX 2017 and was not able to answer it since I am a XXXX XXXX and in class at that time. I received a call from XXXX at XXXX on Tuesday, XXXX XXXX 2017 and was not able to answer it since I am a XXXX XXXX and in class at that time. I received a call from XXXX at XXXX on Tuesday, XXXX XXXX 2017 and was not able to answer it since I am a XXXX XXXX and in class at that time. I received a call from XXXX at XXXX on Tuesday, XXXX XXXX, 2017. I was able to answer the call. When I answered, the woman asked for XXXX XXXX. I told her This is not XXXX XXXX phone. Please do not call me again. I have already reported your company to the Federal Trade Commission

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 12/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (WI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX I called Chase card services XXXX about some fraud charges seen on my account online, the amount was for {$130.00} and {$2.00} total of {$140.00} which was charged to my account on XX/XX/XXXX Account # ending in XXXX spoke to XXXX, then XXXX, was told to call fraud services # XXXX Forget who I spoke to, but give them the facts on my fraud charges on above amount, they said they would look into matter and give me confirmation on report, I was put back to talk to customer service on my account, I spoke to XXXX asked what would be my payoff as of today XX/XX/XXXX so I could pay off the balance and close my account ending in XXXX, she said the balance was {$480.00} and minus the fraud charges of {$140.00} I would pay {$340.00} which I did on that day and closed out my account on that card ending in XXXX, confirmation payment # XXXX I did not hear back from fraud report so I called XXXX on XX/XX/XXXX and spoke to XXXX, and he assured me that the fraud charges had been taken care of. OK. In XX/XX/XXXX. I received a bill in mail from Chase on my old account, since I closed out old account and paid off balance, they created a new account # ending in XXXX charging me for the exact amount of fraud charges of {$140.00} and added {$11.00} in interest charges which total {$150.00} So I call again on XX/XX/XXXX recovery dept. XXXX spoke to several people, did not get anywhere with no one, they said I was not charged for fraud charges, but I am getting billed for them!!! do the math!! I had to call back on XX/XX/XXXX spoke to XXXX, and XXXX and some supervisor lady, could not get it through their heads that the exact amount I was being billed for is the exact amount of fraud charges!!! I was told I had to pay the balance of {$150.00} was so XXXX of talking with them getting nowhere, that I paid the balance that day of {$150.00} from my checking account ending in # XXXX to avoid anymore interest charges and told them I would be filing a complaint!, I do not have any way of scanning all my documents for you to review, but could mail if needed, so please let me know, would like this to be resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I 'm having a few problems. I first need hard copies of all   XXXX   credit reports to provide attorneys and I can not obtain the hard copies needed. I tried pulling them online and calling to get copies and   XXXX   has created this runaround and I ca n't get the hard copies I need, as required by law. I was told by an Attorney to document findings with the reporting agency, credit bureau and to document the dispute process with the credit agencies and I ca n't!!! I am simply trying to resolve inaccuracies reported and on my report and can not.   XXXX   has failed to create a way that supports consumers correcting the costly errors and that 's a serious problem.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Debt collection (I do not know) with Capital Management Services, LP (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company is calling my place of employment and being very rude and threatening. I do not know what it is in regards to but from the first moment they were rude and threatening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: During th e    XXXX   XXXX    2017 i had  an inquiry placed on my  XXXX  credit report. The  Unauthorized Inquiry was placed by Discover  while i was in  XXXX   XXXX . I never authorized this as why i disputed it both by telephone and online with  Discover with no results. Discover denied to assist and i was placed on hold and had a remark added to my account. Under the FCRA a hard inquiry must have " Permissable Purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Can you tell me why this is still being reported as a 'collection ' when this debt was included in my bankruptcy filing? ( See below ). 
Reporting this as 'collections ' is a collections attempt which I believe is illegal if it was included in a bankruptcy. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX, 2010 Open - Collection/Charge-Off Open - Included in Chapter XXXX No Missed Payments {$9300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A sprint account in my name was submitted to IC Systems for collection. IC System contacted me and I initially made a payment agreement XXXX to avoid credit bureau reporting. Upon further investigation, IC System continuously tacked on charges each month with zero explanation. My principal balance would increase by $ XXXX {$40.00} each month after I made a {$100.00} payment. I disputed this balance with IC System due to their misleading representation of the actual debt amount, ( Fair Debt Collection Practices Act, Section 807, False and Misleading Representations ) and also the misleading information representatives at IC System would provide me with. Rep 's for IC would tell me to contact XXXX, while XXXX would tell me to contact IC System, and when I requested a detailed final bill of all my charges, IC System requested XXXX send me records of my phone calls for all XXXX lines on my account instead of charges breakdown like I asked. XXXX nor IC System returned my request for validation of the debt, and instead, referred it to a third party collection agency. Every action taken by IC System was in violation of the Fair Debt Collection Practices Act, Section 807, False and Misleading Representations.

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Because of the breach to credit information, I tried to get a free credit report from all three major consumer reporting companies ( XXXX, Experian, and XXXX ), none would give me a report after filling out the pertinent information. I was prompted to have it mailed, this is not the time to wait to have credit reports mailed. This is clearly an emergency and needs to be addressed immediately. I can go ahead and freeze all accounts ; however, I will not have an opportunity to verify that everything is correct on my credit report. This is unacceptable.

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 10-12-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: My complaint is not about a lender. It is actually about the verbiage the CFPB created with regards to the FCRA. On page XXXX. The section about sharing a credit report with a consumer. FCRA says a lender can not share a credit report at all with a consumer unless an adverse action is taken by the lender. Problem this creates is that the lender needs multiple things addressed up front that appear on the credit report. This leaves the only method of communicating to ask the borrower to explain late payments, a list of inquiries and a list of addresses as verbal only. Many borrowers just ask to have the list of requirements of explanations to be emailed to them so they can review them and explain them. But the FCRA prohibits this. This is not consumer centric or friendly at all. Is there something in the FCRA that allows a lender to openly communicate in writing with the borrower about these items? Not looking to give the borrower a copy of the credit report but can cutting and pasting or retyping the areas of concern from the credit report be permissible. I only read what I saw on page XXXX with regards to this topic. I have been in the industry for 35 years and with my current employer ( lender ) for 22 years. I am confident while my employer follows the letter of the law other smaller lenders are sharing parts of the credit report with the borrowers with no issues. So my question is what can we do other than just try and communicate this verbally with borrowers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: I was charged {$170.00} in a foreign country by a travel agency under false pretenses that i did not have an alternative option. I did everything in my power to cancel the transaction in the moment and also I immediately contacted Citi to dispute the charge/report the fraud. Citi opened an investigation and asked for supporting details/documentation, which I provided. Citi then closed the investigation in the merchants favor without providing clear details as to why the merchant was protected instead of me, the customer. This credit card advertises fraud protection and {$0.00} liability in events of fraud, but in this case, I have not been protected.

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 12/18/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (UT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They callled everyday including Sunday. XXXX calls a day

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 12-12-2017 about Debt collection (Payday loan debt) with Cottonwood Financial Ltd. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Yesterday my daughter was contacted my a person named XXXX XXXX who made threatening statements about a lawsuit against me. The phone number she was given was for XXXX XXXX XXXX XXXX ( XXXX ). I called the number and left a message. I was unaware of any debt owed that would result in such action. 
When XXXX called me back she stated it was unresolved debt from a payday loan I 'd taken out in XXXX 2014. I know for sure that loan was satisfied. She stated I would be served papers and verified my phone number and place of address. 
The next day I got a recording stating I would be served papers at my place of residence or work and if I was served at work then I would need a supervisor or head of security to co-sign. I called then number provided ( XXXX ) and was transferred to a business that did n't identify themselves when they answered. They merely said hello. I asked who I was speaking to and was told XXXX. I attempted to talk to him about availability to be served court documents. He became extremely rude. 

He asked me if I had spoken to the original creditor ( The Cash Store ). I said I did n't, but I had bank statements and receipts to prove the loan was paid in full. He told me to expect to be served and the matter would be resolved in court. 

I called the Cash Store and was given the information to their corporate office. The person I spoke to confirmed the loan had been paid in full. She said if I received any other phone calls I should tell them to 'Cease and Desist '. I called the phone number back ( XXXX ). Again, the phone was answered by XXXX who did n't identify the place of business. I told him I had spoken to the Cash Store and the loan had been satisfied. I told them the representative said to cease and desist. He told me to bring all of that information to court and hung up on me. 

Part of what seems off is yesterday, XXXX XXXX did not have my employer correct and when I told her that was not my employer, she did not try to collect the information for my current place of employment. They also can not tell me how much the original loan amount was and the stated I had written bad checks. The money was automatically withdrawn from my account, which I have proof of on bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Mortgage (Conventional fixed mortgage) with MIDFIRST BANK (LA).
Issue: Settlement process and costs

Complaint: I am trying to get a succession completed. They keep asking for the same info again. First this is not signed .now this info is out of date, because the first info they ask is out of date now they want more info with the same previous info again. I have been fighting with Midland mortgage for three years now. I want them shut down today for incompetent actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I noticed that a credit card company reported my account on my credit report, even though I am only an authorized user. This is a violation of the FCRA and I respectfully request that you remove this listing immediately. 

According to section XXXX of the FCRA, only information on credit issued to a consumer is allowed. If you are an authorized user, you do not fall under these categories, you are not responsible for the debt and did not receive credit. An authorized user does n't have credit on this account and it 's only the signor that is responsible. So, in essence, if an account on which you are an authorized user shows up on your report, it would be someone else 's credit ( the signor on the account ).

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I rented a car from XXXX in XXXX. Unknown to me, there was a balance due. I rented another car from XXXX in XXXX of XXXX, and was advised in order to rent another car the balance from XXXX needed to be satisfied. I paid the balance in full in the amount of {$310.00}. 

As of today, XXXX lost my payment, and submitted my file to a collection agency, who in turn has reported to all XXXX credit bureaus that i owe {$310.00}. I have spoken to several dozen people over the past few months people to get this resolved, to no avail. 

Most recent, i have faxed and /or mailed over proof of the payment to all XXXX credit bureaus. I have spoken to XXXX XXXX, the Accounting Supervisor at XXXX XXXX XXXX ) ; and have spoken to XXXX, a Team Lead from Caine & Weiner XXXX XXXX ). All parties have apologizes and assured me this will be updated once they speak with the other parties involved. 

I have been trying to get this resolved for 5 months. I would like this information completely removed from all XXXX credit bureaus, as this was paid in full directly to the creditor, prior to going to the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Bank account or service (Checking account) with BB&T CORPORATION (GA).
Issue: Problems caused by my funds being low

Complaint: I deposited Cash in the amount of {$960.00}. The following day I deposited a check in the amount of {$550.00}. When the ATM machine read the amount it said {$650.00}. There was not an option to change the amount. I know that the bank teller will retrieve the check and enter the right amount upon receipt. On Monday XXXX XXXX my brother deposited XXXX cash into my account. Now the check is on hold and I a being charged a overdraft fee for several transactions.. I spoke a XXXX XXXX at the BBT Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX She was extremely rude and told me that since I made the mistake at the ATM, which I did n't that was the reason I was receiving a overdraft fee. The overdraft fee is now XXXX. I can not get anyone to help me resolve this issue. I spoke with 5 people at the bank and everyday I am being charged a new overdraft fee. I spoke with XXXX XXXX at the XXXX XXXX Branch, XXXX XXXX at the XXXX XXXX Branch and XXXX XXXX. I also spoke to a XXXX XXXX at the call center in Texas. She took my complaint and advised that someone would get back to me within 24 hours. I emailed the Branch manager at the XXXX location for assistance, but he was on a conference call and has not gotten back to me regarding the overdraft fees. The date for these transactions were XXXX XXXX, 2016. BBT is constantly charging me overdraft fees. This is ridiculous and costing me a lot of money. I was also charged an overdraft fee on XXXX XXXX. I was told by the Customer Service rep that there was a n my paycheck from my job check that I have been receiving weekly. The total amount of charages was {$200.00}. I had XXXX in the account. I want to know why I was charged {$100.00} in overdraft fees. This bank is ripping me off and I need help please. I am on XXXX from a XXXX where my XXXX. I am in XXXX to rise. I need to know if BBT is going to be responsible for any additional medical treatment I may need from the XXXX of all 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 explanation