milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Account opening, closing, or management

Complaint: In XXXX, I applied for unemployment in California, they issued a debit card from Bank of America, on which I would be receiving my payments. I finally applied for my tax return in XXXX, the amount of payments that XXXX in California said that I was suppose to receive is in conflict with what I actually received. Asked Bank of America three times to e-mail me the print-outs for XXXX of the deposits made by XXXX unemployment in California to my debit card. This is time sensitive because the IRS has given me certain amount of time to straighten this problem out. The first e-mail I received was only for XXXX XXXX deposits. Called Bank of America again, the second e-mail the print-out was compressed, could not make out what was a deposit or purchase or anything, called Bank of America one more time, they said they would send out the e-mail, did not receive the e-mail. I need this information as soon as possible that I may make sure that the deposits the unemployment made are the same with the records what I have to be able to do my tax return correctly for XXXX. Would like to receive a phone call when they e-mail this information for the fourth time. Thank you.

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have disputed XXXX on my report several times. The account are old, closed, and have been transferred to another lender. They are reporting the old late payments on the account as well as reporting current and {$0.00} owed. I have requested and disputed the be removed as the new servicer shows the exact same information and the refuse to remove it. It is causing undue hardship as I am trying to build my credit and eventually purchase my first home. I feel it is unfair for two companies to be reporting the same account one as closed the other as an open account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Mortgage (Conventional fixed mortgage) with NEW YORK COMMUNITY BANK (GA).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/2016 My home was burglarized. I usually make my mortgage payment with NYCB by phone on this day. However when I came home at lunch time about XXXX my house looked like a tornado had gone through. My tax papers, photos every drawer, box, closet everything was strewn about. It took me 2 days to put it back together. 
Needless to say the last thing on my mind was the mortgage payment. However, I did make the payment the next day and asked that they please take the late charge off because of my circumstances. I wrote a letter and have never heard a response. 
Since this time my house was hit by XXXX and it is not live able. We have had to move out to rental house and it has been difficult to get the money released from our mortgage company after our insurance company sends them the money to repair our home. It has been since XX/XX/2016 repairs have just started. They did n't release the money in a timely manner which has now caused more damage and more delay for us to get back in. They are drawing interest on our money for repairs. We are now having to move from our rental home because it sold and we do n't know how long the repairs will take. All this to say please ask them to take any late charges off because of these catastrophic events that have occurred to us.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I have an Amazon card issued through sycnchrony bank with a {$1000.00} credit line. On  XXXX / XXXX /  XXXX   I made a purchase for {$370.00} and then attempted a purchase for {$290.00} on or about  XXXX / XXXX /  XXXX  . On  XXXX / XXXX /  XXXX   I received an email indicating this charge was declined, even though obviously within the credit limit. I called the number on the card, which is  amazon  customer service who said it was denied because it exceeded the remaining credit amount left. They said there was the purchase, but also a " pending transaction '' for over {$300.00}. I immediately freaked, thinking a victim of CC abuse. After speaking to  three  reps, they could not give me any more information and transferred me to synchrony bank. They said the same thing, could accurately identify the purchase made, but not the pending transaction. I honestly am being treated for   XXXX   and  XXXX  and this has me through the roof. I immediately canceled the card and told them I would make no payments now until I received an adequate response. Probably sue for   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 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: this account belong is a fraudulent its not mine belong someone else I didn't authorize to this merchan DISPUTE XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$440.00} Balance Updated - Credit Limit -  Past Due Amount {$440.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, WA XXXX Ownership Joint Account Original Creditor XXXX XXXX XXXX - Original Amount {$440.00} Comments

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 09/20/2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: This issue was discovered today XXXX2017. I reviewed my account online and noticed a charge of {$140.00} from XXXX XXXX XXXX XXXX ( XXXX, TX ) which I did not authorize. I called my Bank Navy Federal Credit union to ask that the charge be reversed. I was told that even though the funds had been pulled from my account I would have to wait for the charge to post. I told the bank I did not authorize this charge from XXXX and that this is theft. I concluded my business originally with XXXX in XX/XX/XXXX. My Insurance company XXXX  procured a rental for me due to hail damage on my vehicle. I was charged a {$50.00} dollar deposit on my card which was returned a week after I returned the vehicle. I did not authorize the {$140.00} nor received any correspondence that these charges would be made to my account. I expect restitution of the full {$140.00} taken from my account without my permission. It continues to amaze me that companies are allowed to engage in theft without consequences. Thank you for your cooperation and assistance regarding this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NV).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been unemployed and have been receiving harassing phone calls constantly ever since I could n't pay. I attempted to start a payment plan on what I could currently afford and was refused because they did n't consider it enough. I requested the phone calls to stop and they refused stating they could call and harass me XXXX times a day by law. I know I can request a stop in calls but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Im a victim of title fraud XXXX XXXX made the title claim and told me not to pay the mortgage and they will not report any negative enclosed is a copy of the title claim

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with NETSPEND CORPORATION (IA).
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: This is simple. I have had an account and direct deposit for years. on XX/XX/18, I spent close to {$1000.00} in one day, ( which I normally do not, but had been saving for some home items I wanted. During one of the transactions, my card was de-activated while trying trying to pay for my items and the transaction was declined. 
I left the store, went to the ATM and it said the card was de-activated. I called XXXX ... .and was told that they shut the card down thinking it was fraud. I explained that it was me - verified all their informtion and the card was re-activated. They told me I should have received a text message whent the deactivation happened, which I did not. BUT they have been sending me information from a cancelled card and not the active card for months. I only get my deposit information via text. When the card was re-activated, I did get a text stating that. 
The next day, I attempted to log online. And my account had been closed. I called them and they told me they closed that account and I did not qualify for an account anymore and they would send me a check for the funds in my account. This left me with no access to any money at all.

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 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am in the process of buying a home and realize there is a lot of inquiries on my credit report that I did not authorize. I have contacted the companies and none of them have a written consent from me to run my credit. These are not factual inquiries they are identity theft inquiries. here is the list of inquiries that need to be removed :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 10-09-2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Using a debit or ATM card

Complaint: J.P.Morgan Chase bank, in XXXX XXXX, California, has repeatedly denied me access to my funds deposited in my XXXX XXXX XXXX from Social Security SSI. I have not been able to pay my rent, etc. I am XXXX, elderly and XXXX, having recently left the hospital. I no longer drive, so a trip to the bank is a big deal for me. To be in line, then being served, asking for a cash advance, and having " denied '' announced in front of everyone is extremely embarrassing. This has happened repeatedly. The teller told me, the last time, that the problem will not be fixed until XX/XX/XXXX, she did n't know a date. I do n't know which bank to go to, where I can make a smooth, uncomplicated transaction. I had over {$1500.00} on my card, not being able to get funds last month either. The second problem is that XXXX XXXX XXXX XXXX no longer allows a card holder to speak to a representative, to tell them about a problem..

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Deptartment of Education/NELNET is reporting XXXX accounts 120 + days past due which is incorrect. My loans was originally in deferment while I was in school once I stopped going to school my loans was in forebearance which means no payments was due. NELET has been contacted several times and the last representative I spoke with looked over my account and agreed that I should not have any late payments reporting that it looked like the person who originally did my forbearance made a mistake, she gave me the information that I needed to dispute the accounts which I did and I have not heard anyhting back from NELNET. NELNET was also sent a certified validation letter which they have not responded to. If this false informoration is not updated or deleted I will see legal council and begin a civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Ditech Financial LLC (DE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Your options do not provide the option in this instance. 

Greentree is improperly reporting my debt to the credit bureaus. I have disputed the date of last activity on the account and they continue to report it. In the attached letter they accuse me of trying to change their reporting to the bureaus. They go on to state that they " make every attempt to ensure the information reported to the bureaus is accurate and correct. 

But just looking at the trade line ( attached ) you can see that they reported the item in XXXX of 2014 but list the Date of Last Activity as XXXX of 2014. It is impossible for Greentree to list payment activity for the month FOLLOWING the report date. If anyone is trying to manipulate dates, it is Greentree. By continually advancing the date of last activity, they are pushing the obsolescence date forward to keep this debt on my credit report indefinitely. 

The Fair Credit Reporting Act. Section 611 ( a ) ( 5 ) ( A ) ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. 

I have correctly disputed this obvious error and the bureaus have left it on the file ... subsequently Greentree sent this letter stating that they make every effort to assure that their reporting is correct and therefore have the ability to predict future activity.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Payday loan () with Ad Astra Recovery Services Inc (TX).
Issue: Received a loan I didn't apply for

Complaint: I checked my credit report and realized there 's a loan on there reporting derogatory that I did n't apply for or have any knowledge of. I 've reached out to seek validation with my original signature on it to prove it did n't belong to me, but have not heard anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Credit card () with AMERICAN EXPRESS COMPANY (KY).
Issue: Other

Complaint: I am filing this complaint about American Express ' policy of raising interest rates on XXXX its consumer and business cards to a usurious XXXX per cent level when the customer falls even slightly behind on payments There is no warning or effort to communicate with the business owner or individual consumer before a peremptory raising of these rates .I can accept and even understand charging XXXX per cent or XXXX per cent which is within the prescribed range above prime when cardholders are in arrears. XXXX or XXXX per cent are rates charged by loan sharks or people who break arms to enforce payment terms .When I called Amex a month ago to raise XXXX about the XXXX per cent our business was being charged and asked for a refund based on retroactive lowering of the rate back several months it only agreed to lower the rate going forward .This tells me that they are engaged in outright XXXX knowing thatthe average business or consumer will not challenge it The rate has been raised to the same level for my daughter on her individual card We are demanding ( not requesting ) that American Express lower her rate and refund XXXX the business card and her card the excessive interest charges .My wife is a plaintiffs attorney as is my son in law and you can communicate to AMEX that we are prepared to enlist others in a class action suit if it does not honor our demand within the next 45 days We are gratified that the CPFB has been taking such aggressive action against these credit card XXXX as I read recently in a XXXX Magazine article Thank you XXXX and XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had an account with XXXX ( XXXX ). Lost my Job for months and could n't pay the {$920.00} in debt I acquired. When I got employed again and called XXXX to pay off balance, I was informed after 5 months that my account was going to be sold and to not pay until the account was sold to " Midland Credit ''. I called midland credit and kept being given different sketchy, non verified numbers to call. About 3 weeks ago I got a call from an unknown number claiming to be MCM, which I do not trust being that MCM is notorious for committing fraudulent acts. I promptly hung up the call and I had received a letter in the mail claiming I owe midland credit over {$1100.00}. When I call the numbers on the website I ca n't get any information about my account, I just keep being given non verified numbers to call. Being that there was some recent fraud wig one of my credit lines I have to be very careful and discerning when it comes to giving out my personal information, especially for a company that I did n't do business with, and when it 's a company known for their committing fraud and.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Struggling to pay mortgage

Complaint: We represent the seller on a short sale of his home. XXXX issued a short sale approval letter to our office on XXXX XXXX via our equator account. That approval was dated XXXX XXXX, but we only rec 'd it on XXXX XXXX. We informed them at that time that buyer had a loan to get approved and we would not be able to close by the deadline of XXXX XXXX contained in the approval letter. On XXXX XXXX, we requested an extension of the approval good thru XXXX XXXX. All docs requested by XXXX in order to review for the extension were sent to XXXX via equator on XXXX XXXX. On XXXX XXXX, XXXX closer messaged us that the extension was approved and that she would send the revised extended approval letter to us via equator as soon as it was generated by the QC dept. We repeatedly messaged and called over the next XXXX weeks to ask where the extended approval letter was and why it was taking so long to get issued. They finally got a supervisor involved who said we could submit for a final HUD approval without the extended approval letter. We informed them that we could not do that as the buyer 's lender required a copy of the extended approval in order to get their clear to close. We are still waiting for the extended approval letter and are now in need of another closing date amendment since the XXXX XXXX estimated closing date that we set back in XXXX XXXX is now past.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Franklin Collection Service, Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Pulled my credit in XXXX 2017 disputed 4 alleged debts with the credit bureaus that Franklin collection services were reporting that was appearing on my report.After i disputed them with the credit bureaus and they can back verified.I then sent Franklin collection services a validation letter for each alleged account by certified mail and they fail to respond..

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Back in 2008 I purchased a Cooperative. I recall the lender telling me that interest rates for coop are higher than for a condo ( fee simple ). Is this true? Back then I had a great FICO score but there was nothing I thought I could do to refute what she told me.

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