milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2018 about Checking or savings account (Checking account) with TCF NATIONAL BANK (WI).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I had opened up my TCF checking and savings as not only did I have an account with them as a child, but by family has banked with them for over 30 years. Initial deposite was XXXX in both checkin nd savings. I then transfers XXXX, and prior to work I transfers another XXXX. I had direct deposite through my employer. Everything was fine. 
Superbowel weekend I took my fiance away for a relaxing " BAE '' cation. 
That following week, due to the fraudulent activity at The XXXX XXXX, I decided to leave, and stay at XXXX XXXX in XXXX Minnesota. 
I began to get alerts of a NEW device accessing my online banking.. 
I called TCF, and even message them on XXXX. Thursday I received notification of a deposite, and I assume that it was XXXX, and my expected pay check. During the next two weeks There were numerous transactions conducted that I never did. Stayed glued to my online account to watch the balance fluxuate. Each time notifying TCF. I was told not to worry, as it isn't real time ect ect and ect and was told to come in and get a new card. 
My checking account is now XXXX $ and my pay check would not be accepted via direct deposit, nor will my tax refund be permitted too. I am being told that I am to make the account good, and it is as though I am being punished because someone choose to have fun with my account. I filed the identity theft.gov, and provided all the information, as well as to the credit bureaus. 
I had a feeling as to the WHO was responsible for the unlawful transactions in my account, and yes gave that to TCF. They say that they care, but they are doing nothing to help! Everyday I reach out to them. It's not right to be takin advantage of as happened to me. I don't even know how I am going to pay rent. I couldn't even treat my fianc to XXXX. I'm not asking for much ... .I just want help. I want what was unjustly taken from me .... Nearly 2500!!! And I want to Be able to have my pay checks and tax return direct deposited as I have had set up. Please help me. I have filled out information on identity theft.gov

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (MA).
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: On XX/XX/XXXX an electronic payment was made to Ocwen Loan services in the amount of {$930.00}. XXXX XXXX XXXX is one of the biggest banks that perform transactions on the weekends ( based on my experience ). I 've never experienced anything like this before. Apparently the Federal reserve does n't conduct business on the weekend which I did not know therefore not completing my traction until Monday? See attached documents from XXXX XXXX XXXX verifying when the payment was submitted/remitted and was submitted to Owcen loan services asking to correct the reporting type. I have never been late with a mortgage payment. I need this removed from my credit file.

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 03/17/2017 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (FL).
Issue: Account opening, closing, or management

Complaint: PAYPAL ACCOUNT On XX/XX/2017 I initiated a transfer of {$100.00} from my personal bank to PayPal. On XX/XX/2017 my funds showed as " Available {$100.00} '' in my PayPal account. I attempted to purchase an item eBay for {$94.00} on XX/XX/2017 and XX/XX/2017 numerous times but an error said " Pay Pal not an option ... contact PayPal ''. After hours on the phone with PayPal and eBay NOTHING WAS RESOLVED! I am now requesting PayPal refund the money back to me in the form of a CHECK. When I do this an error now shows up saying " Not a Valid Billing Address ''. I ONLY HAVE XXXX ADDRESS ON FILE WITH THEM AND THIS IS THE ONLY ADDRESS I HAVE EVER HAD ON FILE WITH THEM. I have unlinked my bank account with them as I am concerned about security. I continue to get canned generated emails back from them that do not address the problem. Please provide me with your assisstance in getting my money back from this fraudulent company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/23/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MI).
Issue: Billing disputes

Complaint: Fraudulent charges by American Express Travel Insurance were made on my American Express Card. I purchased airlines tickets on XXXX different airlines for myself and a friend, on XXXX XXXX, 2015. When I viewed my statement there was several charges for baggage, travel delay and accidental death. I contacted the company and told them multiple unauthorized fees were charged for a non-covered person and myself. I was told effective XXXX XXXX, 2015 anyone traveling on my account would be covered. I never received a notification regarding the new rules. After speaking to several people the baggage and travel delay charges were removed but to this day they have refused to credit my account for the ( XXXX ) Accidental Death charges. Insurance Representatives claim they received airline charges after XXXX XXXX, 2015. I believe my airline charges were deliberately withheld until after XXXX XXXX. I have spoken to several people and emailed an executive at American Express who has not responded to my email. A couple of representatives I spoke with by phone went out of their way to help me get a refund on the AD & D as I had for the other charges but were unsuccessful in getting a refund from the Insurance Division. I have been a long term customer of American Express and have never encountered a problem, any concerns bought to their attention were promptly handled.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing statement

Complaint: Upon Auditing my Thank You Rewards Credit Card with a Supervisor at Citi, we discovered a huge discrepancy that no one can find out why but had an idea and was going to investigate. It turned out that balance transfers are done manually and can human error. ( Balance transfers from cards closed due to security measures ). Initial Audit Dated XXXX XXXX show discrepancy of nearly $ XXXX. NOW, after dissecting this to a minutia year by year for XXXX and XXXX, I find out I am actually OWED money, just over $ XXXX. I have evidence generated by Citibank.com of spend activity that supports this. However, my monthly statements due not reflect the true activities online. I checked all my other Citi Cards, the online activities AND billing statements match dollar per dollar. It is just this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Transaction issue

Complaint: On XXXX XXXX, 2016, I purchased airline tickets from XXXX XXXX on my American Express card for travel on XXXX XXXX, 2016. The amount of the purchase was {$220.00}. I arrived at the airline counter in more than enough time to check my bags and board the plane. The counter agent refused to take my bags and would subsequently prevented us from boarding the plane. I submitted a dispute to American Express regarding the charge. They have refused to charge back the amount paid for this airfare.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was sold by XXXX to Ditech around XX/XX/2015. XXXX had paid or annual taxes from our escrow account prior to it being sold. Ditech then also paid our taxes for the year resulting in a double payment. We received a refund check from our taxes being overpaid by the county and were confused. When we called XXXX to inquire, they informed us that our mortgage had been sold. We had no idea. There was absolutely no communication on XXXX or Ditech 's behalf of this move. We then called ditech to see let what was going on. They said to send them back the check, which we did. They then proceeded to charge us twice the amount for our escrow the following month. Our mortgage payment was on auto-deducted out of our account. In effect, our mortgage payment was almost {$600.00} more than usual. We, of course, were expecting our regular mortgage payment to be deducted from our account and were not prepared for an extra {$600.00} coming out which resulted in overdrafts and fees. We immediately called ditech to fix the situation. They said it would be fixed in 8 days. 5 months later it has still not been resolved or fixed. They keep billing us {$600.00} over our regular mortgage payment and refuse to fix the situation. We have called repeatedly, had to explain things to each new person over and over. No one will actually help us. They keep telling us it should be resolved in 8 days but when we call to follow up it is never fixed. Throughout this process we have been paying our regular mortgage payment because we have no idea what else to do. They are now treating us as if it is our mistake and sending us 'loss mitigation ' letters, putting notices of non-payment on our door and acting as if we are delinquent on our mortgage payments. We do n't think they have officially reported us to the credit bureau but we are concerned that they will. We have pursued a lawyer 's help but would rather not go through the hassle and expense. We are at our wit 's end. We have tried to refinance with another bank but since our mortgage is less than 2 years old we have little equity. We have also requested to handle our own escrow account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
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: I disputed this account and asked Equifax for an investigation into the  XXXX  Account.   I requeste d Validation, Verification, Process, Contract. I  have not received any of the requested documentation to prove that this is my account. The only investigation results I have received, states that the account / bill / information is true. NO justification. No contract, No etc.   The investigation has EXCEEDED 30 days - requested  XXXX   2017 .   XXXX  In addition the account is being re-aged & from the original date should have been removed, as it exceeds the 7 year statue of debt on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PR).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Theres wrong information on my credit reports from way back almost 2014. Wrong telephone numbers and wrong address included. This info has been targeted in more than 2 ocassions and stills appears.

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 01/16/2017 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Other

Complaint: Ordered a product from a company with my American Express card. The account was closed about a month or 2 later. About 6 months later the product stopped working and the company issued me a refund to the original card. Called American Express and they said they had the credit. They were holding it. And when I had asked they said they would issue a check. It has been almost 4 weeks and still no check. I called them, they said they mailed it. Said they would send another one, but I asked them to send it via a method that was trackable and they would not. They are holding my money hostage and will not release the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/29/2017 about Debt collection (Credit card) with Suttell, Hammer & White, P.S (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I paid my debt and when i was getting the amount i was offered a lesser amount to pay and i took the offer and paid and was told that my debt was now paid in full. The company later told me it was not paid in full. This is not right and falls under fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Settlement process and costs

Complaint: I had hail damage done to my home on XX/XX/2015 my insurance co. sent me a check in owcen and my name XX/XX/XXXX I sent the check via XXXX nextday.I had faxed my docs over on XX/XX/2015 I called everyday to check if they had everything they needed.everytime I called all I got was no they have not been loaded onto the system call back XXXX. Ocwen got the check on XXXX XXXX called that same day same thing no docs. called again on XX/XX/XXXX, Monday after XXXX still no docs I talked with maybe XXXX different supervisors XXXX told me to fax the docs.to XXXX I tried this number and it was not a working number .then in the afternoon on XX/XX/XXXX I spoked with a person named XXXX I told him the XXXX # I faxed the docs to on was XXXX and the other # XXXX he said that # was not being used someone gave me an incorrect #. 
he searched for the docs.that 's when he said for me to email the docs I asked him to email me to confirm he got them, he stated he could not do that but he would give me a call well he did email me that he got the docs. finally. now the XXXX XXXX guys I spoked with earlier promised me they would expedite the process. I called again on the XX/XX/XXXX this agent was XXXX he was just rattling words making no sense at all. Keep in mind I had to wait 7 weeks for XXXX to approve my claim meanwhile it 's been raining and my roof is leaking and moisture is building up in my walls my carpet is ripped due to water. the people who dried it ripped the carpet tore out the installation from the walls the cover on the roof is an eye sore the homeowners assoc. will soon be writing me for that soon. I am sooo fed up with dealing with these people at ocwen. they are not considerate of my needs during this difficult time. I need help something needs to be done this is a crisis.

Company response to consumer: Closed
Consumer complaint received 05/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I have yet to be contacted regarding resolving fraudulent charges on my Bank of America credit card. Initially they refunded my card of charges around {$3000.00} for fuel purchases over a couple month period. I requested my visa be cancelled and reissued a new card number. B of  America took th e money back after their 'investigation ' stating that it could not be fraud because a chip card was used. Clearly my banking history for more than 20 years with this same bank shows I have never made purchases like this. It 's not even possible to buy as much gas as was being charged within the same day  ( s )  at multiple locations when worki ng 40 hours+ a  week. I have been to  2 Ba nk of America branches in-person to have this looked at and brought documentation. It was a bank mgr that informed me of card cloning. I have been in contact with the week-day fraud depart., the customer svc depart, the weekend/after hours fraud depart, everyone does/says the same thing - they apologize, say they will have someone contact me re my appeal of the denial and my requesting a further investigation. It 's been over a year. Yes, over a year. I 'm so irritated that I 've only been making the minimum payments since this happened, I initially never activated my new card number because I want to close my whole banking experience with B of A because of this. Not  one pe rson has followed through with my multiple requests. This is absolutely unbelievable.

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 05/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (PA).
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/2017 my husband entered the XXXX XXXX in XXXX XXXX. He paid {$410.00}, paid by credit card, to have 2 cabinet doors packed and shipped to a specialized cabinet repair facility in California. A stated value of {$400.00} was declared. Upon return, one of the doors was damaged. XXXX returned and picked up the damaged door for inspection, they then returned it to California without my authorization. To date, I still do not have my cabinet door. XXXX denied the claim for damage as they stated the box was a used box. At the time of purchase, I prepaid return shipping. At no point was it stated that a new box was needed. It is not in their company documents either. Given that the doors had a declared value of {$400.00} and that the packing charge was {$35.00}, my damages exceed the cost I am still owed a cabinet door. <P/>We reported this to our credit card company twice. Both reports were acknowledged, yet the charge was deemed valid -- even though we currently do not have the product for which we paid. They claimed to call us several times, but left no messages.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Problems caused by my funds being low

Complaint: I received a counterfeit check as a deposit for a job I was supposed to do the weekend of XXXX XXXX. I deposited the check on Saturday, XXXX XXXX and it cleared and was posted to my account Monday, XXXX XXXX. On Tuesday, the funds were there, so I withdrew {$2800.00} to pay someone else working on the same production and deposited into another account at the same bank. There was no sign of a problem until after the close of business that evening, around XXXX XXXX, when I happened to look at my bank account and saw that it was - {$2300.00}. Confused and shocked, I called Wells Fargo to figure out what was going on and after speaking with XXXX people I finally found out that the check was counterfeit. They told me that I was responsible for the transaction that I had made while the check was posted and that there was no other option besides just paying the money back. I obviously would n't have made the transaction if I had known it was a counterfeit check and I was being scammed, but they did n't care at all about that. I called the police and filed a report. The next morning, I called the branch where I had made the transaction, explained the situation, including that I still had the deposit receipt and essentially begging them to do anything to help my retrieve my money and get my bank account positive again. They, too, said there was nothing they could do, but I could call Loss Prevention and they might have mercy on me. They did n't. I have now spoken with XXXX or XXXX people at Wells Fargo and no one is willing to so much as inquire into the other party 's account to see that he is a criminal. I feel very wronged, not only by the scammers, but by Wells Fargo for not caring that I have been stolen from and lied to and that the person doing it is a customer of theirs. As it stands, they have used the {$550.00} I had in that account toward the negative balance of {$2800.00} so I now owe the bank {$2300.00} ( part of which is money I worked hard to earn ) for a counterfeit check that was given to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/26/2015 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Deposits and withdrawals

Complaint: In my report is u.s.bank which I never used and it was reported as account abuse, reported on XXXX/XXXX/XX/XX/2011 the amount of XXXX I never put any type of money in that account or had any checks for it either, so I would like to dispute this file the routing # XXXX and the account # ends in XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Well for two years i been trying to get my credit report and it 's ask me some questions and i answer no on them cause they do n't apply to me cause i never had a car loan or try to get a car loan and i never had a montage loan either. So i said no and it would n't give me my credit score. Its saying that my info is not matching with my social security number. I do n't know what to do any more. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I submitted all the forms as required for an extended fraud alert : police report, social security card, and driver 's license. However, my account was only placed on 90 day fraud alert. I submitted one letter and another application with no response. My account was actually breached on my credit card ; police report to verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Vehicle loan or lease (Loan) with CONDOR CAPITAL CORP (AL).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: The company was sued in XX/XX/2014 and forced to sale loans and to pay its customers for over charging them on loans and ordered to pay XXXX XXXX over 3 million dollars for fraud etc. my loan was transferred to another company and payments were made through my bankruptcy attorney recently the company contacted me stating I owe XXXX on my loan in which originally started at XXXX I've had the vehicle for almost 5 years close to being paid off leaving me to only owe a little over 2,000 so where the money has been going I have no idea. Who is the company that was transferred the account I've googled them and contacted them they can't seem to give me information and this company who claims they never went out of business name just changed in which I know is a lie I have the documents from my local federal court house along with payments that were made they are originally condor capital they're calling themselves condor secrunization trust now

Company response to consumer: Untimely response