milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-01-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX . XXXX XXXX, IL. XXXX ( XXXX ) XXXX Account # : 1. XXXX - opened XX/XX/XXXX-closed XX/XX/XXXX JPMorgan Chase & Co XXXX XXXX. XXXX XXXX XXXX, IL. XXXX Dear Sir or Madam : I am writing to dispute in regards to my checking account, which was closed without anyone telling me why? I opened acct. with Chase on the day mentioned above with the upmost of good intentions. My SSI check and my child support check is deposited monthly. I was wondering since XX/XX/XXXX why, would your bank chose to just close my account? I tried to pay a bill and my card was denied! So I called the bank and was told that my account was closed and, I will be notified by mail! But what happens to my direct deposit checks? How am I to get my money? I am a single mother with XXXX sons, I have bills to pay! Im a very honest person. I feel that someone in the bank should have set down with me and told me why my account was closed. 
If you are wondering what took me so long to contact you on this matter, the reason is I didnt know what to do. 
I would appreciate a response from you in writing or email. Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX CC : Consumer Financial Protection Bureau Federal Trade Commission Office of the Comptroller of the Currency Federal Reserve Consumer Help Center FDIC Consumer Response Center National Credit Union Administration

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Other

Complaint: Bank of America is giving out complete bank account numbers, along with complete routing numbers on their automated telephone system, when a payment is being made. This can compromise not only the credit card, if stolen, but also the person 's bank account. Per the Fair and Accurate Credit Transaction Act of 2003 : Section 605 of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ) is amended by adding at the end the following : '' ( g ) TRUNCATION OF CREDIT CARD AND DEBIT CARD NUMBERS. -- '' ( 1 ) IN GENERAL. -- Except as otherwise provided in this subsection, no person that accepts credit cards or debit cards for the transaction of business shall print more than the last XXXX digits of the card number or the expiration date upon any receipt provided to the cardholder at the point of the sale or transaction. 
So, anyone who accepts credit cards can only print the last XXXX digits on the receipt, but Bank of America can give complete routing numbers and bank account numbers on an automated phone system, to anyone?? This makes no sense all at. I 've been told by XXXX agents and XXXX supervisors that my checking account number has been changed to all XXXX, but when I checked this on the automated phone system, it gave me my complete bank account number, Again!! I have had to close this bank account and open another account to protect the security of my account. This cost me {$10.00} for the shipping and handling of the new checks, which I can not afford!! All because Bank of America changed their system about 4 or 5 months ago, to give complete bank account numbers now, not just the last XXXX digits of the account number, This puts XXXX of their customers who pay their credit cards over the phone at risk of having their bank account information compromised. This is NOT OK!! It has cost me a lot of time and now also money, because they will not do anything about it. A secondary issue is that I had a CREDIT balance on my credit card of {$12.00}, which I kept there because I now have no way to pay my credit card bill without it costing me money, and I wanted to keep account active, It is a XXXX points card, and they will keep the XXXX plus points on the card, I will use the points, and then close the card. I charged {$2.00} on my card, to be taken from my credit balance, and now my card has a balance on it of {$2.00}, My credit balance had gone away, It seems, without my knowledge, consent or permission, they have sent a refund check for this amount, Not received yet, I had to go to the merchant that I charged to {$2.00}, have them refund the card, and I then paid cash for this, Please Help!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2017 about Debt collection (Auto) with Patrick K Willis Company Inc (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX from XXXX has called my kids and my ex husband telling them about the auto loan they claim I owe. is n't it illegal for them to tell other people about the debt? XXXX is extremely rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several unauthorized credit inquiries on on credit report through Transunion that I did not authorize nor have knowledge of requesting with my approval. I have attached documentation of all inquiries on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Have not investigated the accounts nor removed accounts that I listed as a result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Bank account or service (Savings account) with CITIBANK, N.A. ().
Issue: Account opening, closing, or management

Complaint: access to my account, online and otherwise, was blocked as the bank issued a new debit card which was sent to my old address. Not hearing from me, the card was inactivated and consequently my access to my accounts was blocked. As requested by the bank I sent a notarised letter requesting a change of address. Tracking shows the bank received this letter on XX/XX/2016. Not receiving the card at my new address, I called the bank who claimed they did not get the notarised letter ( tracking confirms they did ). I sent another notarised letter which they received on XX/XX/XXXX Still I have not received the card to restore access to my accounts. I have called around 10 times and i keep getting all kinds of excuses -- basically, XXXX keeps sending it back to them. I asked them for tracking to verify what they claim -- they have never given me a single one, they claim that the numbers were erased. The address that they are supposed to send the debit card is EXACTLY THE SAME as I get my credit cards/letters from ( they are from the same bank ) and I have NEVER had a problem receiving them here. So why has the bank sent this debit card some 6 times and it never reaches its destination? Why are n't they giving me a tracking number? This situation has created serious problems. I have important purchases to make and I can neither get cash, write a check or use a ccredit card as they are all linked to my debit card! They received my letter with change of address on XX/XX/XXXX -- 3 months later I am still without a card and desperate!

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 04/20/2017 about Payday loan () with Bliksum, LLC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: Company name-   XXXX   XXXX   Account balance starting back to  XXXX   XXXX , {$2500.00} Payment amount monthly- {$390.00} Balance as of this day including sending a check for {$2500.00}  XXXX   XXXX ,  XXXX  for pay off includes an additional amount of {$960.00}. Have an email confirming additional amount squeezing me for more money.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Cyberattackers obtained my social security number, full name, address, driver 's license number, and credit card numbers. I verified through their system that I was one of the people affected. Equifax is charging me {$10.00} to freeze my credit. I would not like to pay  {$10.00} to save myself from their horrible mistake. Furthermore, in order to verify that you were affected, they require that you waive your right to be part of any class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (I do not know) with Colony Brands, Inc. (MI).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have been paying XXXX XXXX and XXXX XXXX online catalog companies which are the /same company just 2 different divisions. I contacted XXXX XXXX spoke with a CSR, and explained I had been ill and that 's what put me behind in payments, but promised to make a payment of on each of my accounts XXXX XXXX and XXXX XXXX on XX/XX/XXXX XXXX to each one. CSR AGREED WITH THESE TERMS AND SAID I WAS GOOD. ON XX/XX/XXXX I MADE EACH XXXX DOLLAR PAYMENT AS PROMISED 2 DAYS LATER XX/XX/XXXX I BEGIN RECIEVING CALLS FROM A COLLECTION AGENCY. I EXPLAINED TO COLLECTION AGENC I AM MAKING PAYENTS TO XXXX XXXX DIRECTL AND PLEASE STOP CALLING ME AND CONTACT XXXX XXXX THEMSELVES. I THEN CALLED XXXX XXXX CONTACTED CREDIT DEPARTMENT EXPLAINED I WILL ONLY PAY ONE COMPAN NOT THEM AND A COLLECTIONS AGENCY THE CSR REP SAID JUST KEEP PAYING US AND THEY REFUSE TO ASK COLLECTION COMPANY TO STOP ALL ACTIONS AGAINST ME OR CALLING ME. I WAS TOLD BY CSR REP AT XXXX XXXX AS LONG AS I KEEP PAYING THEM I WILL BE OK/ 3 DAYS LATER XX/XX/XXXX I RECEIVED EMAIL ALTER THAT XXXX PLACED 2 CHARGE OFF ACCOUNTS TO MY CREDIT REPORTS FOR ALL 3 CREDIT COMPANIES. IF THIS IS WHAT THEY WERE INTENDING TO DO THEN THEY HAD EVER OPPORTUNITY TO SA THAT OVER PHONE WHEN WE TALKED. BUT THET NEVER ONCED SAID ANYTHING.

Company response to consumer: Untimely response
Consumer complaint received 12/27/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (PA).
Issue: Money was not available when promised

Complaint: I have submitted withdrawal request of $XXXX from Coinbase account to my verified Bank account on XX/XX/XXXX. As per email from Coinbase the amount should get deposited to my account by XX/XX/XXXX. But the funds are still not deposited as of today XX/XX/XXXX.My bank account has been verified by 2 small deposits by Coinbase. So there should not be any issue with the account information.I initially contacted Coinbase on XX/XX/XXXX but didn't get any response. After creating another support ticket, I got a response on XX/XX/XXXX that Conibase specialist is working on this issue. Later I contacted them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX by support ticket but didn't get any response till date. Their Customer Service number have extremely long wait time and states that withdrawal related issues are not supported by phone.I have included the withdrawal reference number and other documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: They fail to send proper notification of how they are able to verify info on my report as accurate. I contacted these companies listed on my report as fraudulent and they still fail to remove them or even furnish paperwork stating that these are valid inquiries. There are multiple inquiries on my account for things I never applied for and they failed to investigate and furnish any proof that it 's valid. I 've called and asked multiple times to either delete the inquiry or furnish proof of valid cause they fail to do both this is a violation of my rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (NE).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been trying to get my private student loan payments reduced for some time now, I am a single mother of XXXX and can not afford the now $ XXXX month payment. I have requested to the company many time to see if I could get some sort of income based repayment option, but have been repeatedly told there is nothing they can do for me but put my account in forbearance. I have submitted a complaint here before and the only outcome from the company was to call me and tell me again that there was nothing they could do for me because of me having my account in forbearance, my account is up to date and not showing any hardship. The employee stated to me that the company " might '' be able to help me if I let my account fall past due, because only then would it show a hardship and they " might '' be able to lower the payments a little bit. I stated to the employee that I would not default on a loan and the employee told me not to worry about it because they do n't report it to my credit report for 60 days and " hopefully '' they would have been able to do something before then. I again stated I would not default on my loan and the employee stated then there was really nothing else they could do for me. When I got upset that the employee was telling me to default on my loan the employee stated several times that as a company they could not suggest I default on my loan, when I stated that he had just told me it was the only way I " might '' be able to get the payments lowered he stated again as a company we can not suggest you default on a loan but yes the only way to possibly get a payment reduction is to have the account showing hardship like being past due. The employee than stated that when I accepted the loan I signed an agreement to pay back the loan and that I had to be held to that agreement. I stated to the employee that I fully understood what I agreed to and that I had every intention on paying the loan back all I am requesting is lower payments. The employee informed me that they did not have to offer income base repayment options because they are a private loan company. Nothing came of the conversation and I again had to put my loan in forbearance this month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: We are in the processing of taking out a home loan for a customer. On  XXXX / XXXX / XXXX , our customers credit was pulled and there was a collection company listed on their credit report that should n't be listed. On all  XXXX  bureaus, the account is showing as being disputed. On  XXXX   XXXX ,  XXXX , an attorney had sent a cease and desist to the collection company as this account had no legal bearing being placed on the customers credit report as well as filing a dispute to all  XXXX  bureaus.     On  XXXX   XXXX ,  XXXX , the customer contacted  XXXX ,   XXXX   and Equifax to ask them when the account was placed in dispute. Each bureau stated that the account was not in dispute or never in dispute. The customer then asked when such comments were placed on her credit file and was told they do not have that information.     This collection account is affecting the customer ability to secure financing.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have 3 Citibank credit cards and have been victimized by them over charging customers and would like to be included in the class action suit. I also want to know if I can have those debts removed from my credit in light of the companies latest deception? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX

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. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been disputing a charged off account on my credit report with all XXXX agencies. It is my understanding according to NY state law that the debit should be removed after XXXX years. It has been XXXX months shy of XXXX years and I can not seem to get this removed from my credit reports. It is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The account number is XXXX. I am a single mom going to college working XXXX and wanting to purchase a home as soon as this is off my credit report. If you could help me that would be great. I have done research and NY law states XXXX years. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Purchased item from XXXX XXXX catalog that was defective. Called company and returned item via mail. Received a statement, called and explained that this was taken care of. Never heard from them again. Couple of years later ( 1-2 ) I received a letter from a debt collection agency, the above one, called them once or twice and write letter. Never received response, assumed it was cleared. This should be cleared from my history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I spoke with a representative @ CitiMortgage on XX/XX/XXXX who advised no additional documentation was being requested. I spoke with another rep today who stated a letter requesting additional documentation was sent out on XX/XX/XXXX. The rep from XX/XX/XXXX provided inaccurate information. On XX/XX/XXXX we were over 7 business days from the XX/XX/XXXX scheduled foreclosure and could have provided the required docs. Now we are under 7 business days from the foreclosure due to the rep providing inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. This apartment collection was not opened by me and my rights are being ignored. My official complaint is against procollect for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report. I want the negative credit reporting to cease and for the collection account to be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan was assigned to Ocwen XX/XX/XXXX and monthly payments have been scheduled to be deducted directly from my bank. This has worked until the XX/XX/XXXX payment which I authorized to be deducted XX/XX/XXXX failed to process. On XX/XX/XXXX I contacted Ocwen to determine what happened and the C/S agent claimed my bank XXXX XXXX had rejected the the draft because incorrect data. No changes have been made on my part to the drafting process that has worked for the past two plus years and my account has substantial funds available. In fact, I have been paying additional principal each month. C/S suggested I go on the Ocwen website to reschedule the payment. Made XXXX unsuccessful attempts after which I called C/S again to advise that the website was locked up. Spoke to representative in Ocwen escalation dept to review issue and was advised they would investigate and advise. Notified him that I would send a check priority mail to ensure there would not be a delinquency on this payment. Also advised him that a {$25.00} charge was added to the amount due and must be removed as invalid. I requested the escalation manager provide me with a written explanation of what took place and when the issue would be resolved. On XX/XX/XXXX I received a statement showing my payment received XX/XX/XXXX and indicating the entire payment was applied to the principal balance even though no payment was debited from my bank and listing the next payment on XX/XX/XXXX as double the normal payment. This makes no sense since my payment sent priority mail had not been received at the time this statement was generated.. In the meantime, I have been playing phone tag with the escalation manager. The integrity of Ocwen 's data is seriously questionable and I wonder why XXXX would continue to use them to service loans.

Company response to consumer: Closed with explanation