milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: XXXX checks that I had already deposited through my Bank of America mobile app XX/XX/2016 were stolen out of my vehicle. I had failed to write " void '' across the front of the checks. I did not know this was necessary as the app told me to write " for deposit only '' below my signature, which I did. I thought this was sufficient to prevent the checks from being nefariously used by someone else. Originally, the checks that I deposited XX/XX/2016 were cleared and I spent the money on bills and daily life needs. XX/XX/XXXX, the thieves used the same XXXX checks to deposit in an ATM. Bank of America allowed this fraudulent transaction to occur and immediately took the funds out of my checking account to cover these duplicated checks. They never asked me if I had mistakenly tried to use the checks again, which I would have told them " No! '' and explained that thieves and defrauders were at work here. My account was overdrawn by almost {$2000.00} because of this. I feel as though I have not only been victimized by thieves and defrauders but also by the the financial institution that my wife and I have used for over 12 years. Bank of America are accomplices to theft and check fraud by ( 1 ) allowing the fraudulent transaction to go through and ( 2 ) by taking the money out of my account to cover their mistake. They also took {$800.00} out of my wife 's checking account that was not directly tied to our joint account, where the duplicated checks were said to have occurred initially, after the account was made negative by the fraudulently deposited checks. This has caused my whole family untold amounts of XXXX. XXXX We filed a police report for check fraud but I just received notice that the case has been closed due to lack of surveillance video at the scene of the XXXX, fraudulent, transaction. Bank of America told us that we had to contact my employers bank, ( XXXX ) in order to see when the checks went through the 2nd time at XXXX. They knew that these checks had already been payed by XXXX after I deposited them XX/XX/XXXX. There was no reason for XXXX to pay these a XXXX time. My boss, the writer of the checks, went repeatedly to XXXX in order to ascertain this. XXXX had no record of the checks coming into their system a 2nd time. Bank of America paid the thieves without sending the information to XXXX the 2nd time. The fraud department of Bank of America has told us there is nothing they can do to help us. They are still incurring monthly charges to the accounts because we ca n't close the account with a negative balance.

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 06-07-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On Saturday, XX/XX/XXXX I noticed a fraudulent debit pending in my checking account. I reported the transaction to Wells Fargo 's Fraud Department. It appeared that someone had paid a bill online using my checking account information. Wells Fargo advised me that it could have been the result of transposed numbers and that they would reverse the debit. On Tuesday,XX/XX/XXXX, additional fraudulent debits hit the account, similar to the first one. Wells Fargo closed the account and did what they called a " lost/stolen transfer ''. I was told that they would not allow any new fraudulent electronic debits to post and received an email with a list of previous electronic debits that were not fraudulent that they said they would allow to post. I began to use the new bank account, but on Friday, XX/XX/XXXX, received an email that my new account was overdrawn. I immediately called Wells Fargo and was told that they had allowed at least one more fraudulent debit to post. I was told by the Wells Fargo agent  that they should not have done a lost/stolen transfer, but closed out the account altogether. On Saturday, XXXX XXXX, Wells Fargo opened a third account for me. I was also advised that they had paid two more fraudulent debits. The second account remains in negative status, is assessing overdraft fees and only the first fraudulent debit was reversed. I was told on Monday, XX/XX/XXXXthat it would take 7-10 business days for Wells Fargo to process the fraud claim and refund the money to my account. However, the remaining fraudulent debits occurred as a  result of the fact that Wells Fargo allowed the transactions to post after they were notified about the fraud and had advised me verbally and in writing that they would be rejected. I 've spent over eight hours of billable time trying to resolve these issues and, as such, it has affected my business and my clients.

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 02-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (UT).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On XX/XX/XXXX, I sent a deposit of {$200.00} to Discover to open a new secured credit account. The information on the Discover website stated that as long as I made on time payments I would receive my deposit back, and graduate to a regular Discover card. On XX/XX/XXXX, I received my Discover card, and activated it. I have continued to bay off the balance, and currently carry a {$0.00} balance. In XX/XX/XXXX, I contacted customer service to ask about when I can expect to receive my deposit. I was told that Discover reviews accounts after 7 months. No further help was given.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Debt collection (Credit card) with DISCOVER BANK (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Discover Card calls me up to 6 - 8 times a day. I always return the call when they leave a voice mail. I advised them I had an arrangement that I could afford and they told me I had to pay more. My other credit card companies accepted this arrangement but Discover keeps harassing me. I had to have my phone # changed already and I 'm thinking about changing it again. They found me this time but I will be more careful if I have to do it again. I almost claimed bankruptcy but would rather try on my own. However, I got ta do what I got ta do! Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have notice the creditor have listed a negative that is placed for collection that is affecting my credit, I have reach out to all XXXX bureaus to have to have the item remove, please investigate the concerns so I can restore my livelihood

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Student loan (Non-federal student loan) with DISCOVER BANK (CA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I am currently enrolled in Discover Student Loan system. 
When I signed up, I was aware that I have grace period of 6 months after estimated graduating ( to find a job to start repayment ). However, As soon as 1 year mark ( which I was enrolled in school, when I did n't have to pay back ), I got a notification from XXXX, collector saying my first bill was due this month. I have n't finished my degree, therefore, I 'm still a XXXX student, and I can barely get my ends meet. And couple days ago, I heard that Discover was fined and as I was reading through, I found that I have to contact CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Debt collection (Medical debt) with First Federal Credit Control (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XX/XX/XXXX, at XXXX, I received a phone call from First Federal Credit Control , a XXXX XXXX , for a medical debt owed in the amount of {$540.00} from an unpaid bill in XX/XX/XXXX-XX/XX/XXXX. I requested a settlement of the matter. XXXX XXXX refused and yelled at me that I needed to pay it in full or she did n't care if it stayed on my credit report. She continued to be aggressive in her tone and inappropriately threatened that she will not remove this debt off of my report until I paid it. I calmly explained, XXXX I am trying to settle this with you and I am not refusing to pay, but I would like to settle it. She continued to yell " your only option is to pay it in full or make payments and I do not care if this stays on your credit report, pshh '' She continued to huff and puff at me while I was very calm with her. She yelled " ya know what XXXX, you are not going to settle this obviously '' and she hung up on me. I called her back at XXXX XXXX and XXXX XXXX answered the call. I said, " XXXX, this is XXXX and I do n't understand why you hung up on me '' she yelled XXXX, I am the supervisor here and nobody is going to tell you any different, now do not call back!! '' At that point, I took the initiative and contact the original creditor and explained to XXXX XXXX XXXX XXXX that I want to pay the debt, but the credit agency refuses. XXXX, with XXXX XXXX accepted my {$300.00} payment towards the balance and stated she would report the behavior of the agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: someone has been using my identity ssn since 2011 til present and there has been XXXX or more inquiries on my credit was hit hard and also XXXX school I do n't owe anything to them I would like that removed cause its showing that I owe when I dont owe XXXX any money its zero I would like the all the inquiries since 2011 off my records immediatelyXXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Payday loan () with Green Trust Cash, LLC (NH).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a loan from them thinking it was legal. After looking into my state laws they could only charge me 10 % they were charging me over 600 %. Violation in state law. I am protected under state and federal law. I do n't have to listen to no Indian tribe. I went to an attorney and they did n't respond to his request so he advised me that it is illegal and I do n't have to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: After the breach at Equifax, I signed up for free credit monitoring offered by Equifax. I received two emails from Equifax to complete this registration. The link on both emails was invalid so I call Equifax direct. They started asking me for my social security, mortgage company and monthly payment. I told them that I was not about to give this information over the phone especially after the security breach. I asked if I could do this online, they said " No ''. I asked if they could send me something in the mail, they said " No ''. I asked if I could speak to a Supervisor, they said no one was available. This is unacceptable especially after the breach of personal and private information. Equifax first of all should not be sending multiple emails with links that do not work, they should not be asking me for my social security number or other private information over the phone. I can not verify to whom I was speaking, how do I know that the number I called is actually Equifax - perhaps their phones were breached as well. Equifax has to make this credit monitoring " final step '' more professional and safe for us consumers that had their personal information breached.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Debt collection (Auto) with NISSAN MOTOR ACCEPTANCE CORPORATION (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: They called me at XXXX XXXX while i am laying in the hospital. He transferred me to make a payment and I was on terminal hold. Since the woke me I figured I would make the stupid payment and when I called to try and actually do it I got hung up on by XXXX different representatives. They have been hatrassing me but calling at XXXX XXXX takes it to a completely different level.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Originally This account was handled by   XXXX   XXXX   XXXX  ,  XXXX  , in   XX/XX/XXXX , a t some point it was transferred to the Department of  Education/Nelnet Student Loan Servicer a nd was in deferred status bu t Nelnet say s that it was not in deferred status i n  XX/XX/XXXX ,  XX/XX/XXXX  a nd that they sent correspondence, so the went into delinquency even though I told them that it should have still been deferred and as far as I knew it was. I am  XXXX  of a small  XXXX , and have been working in and around the    XXXX   XXXX    XXXX   for the last 22 years, and was unable to make all of the payments. This Account has been closed and reopened over the last 13 years, many times sinc e  XX/XX/XXXX . F orward to   XX/XX/XXXX   the old account has been closed and a new account has been opened and is being paid to a new company called   XXXX   XXXX   XXXX   XXXX  , but the old account is still showing as derogatory and says to contac t Creditor. Right  now I am scheduled for another 10 years of payment! Honestly I do n't know what has been paid and what has n't. Now every time anyone looks at my  XXXX ,   XXXX    and  XXXX  credit reports I get a new  black  eye. The last two attempts creditor wrote that I needed to get my  XXXX  Report after  a Hard Pull.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Media Collections, Inc (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Prior company account was closed, several times because they kept it open after several times me closing it, sent me multiple letters claiming a false amount owed, several times this is after i recieved written communication from representative that account was closed and amount owed was a total of {$210.00} they sent me letters stating over double was owed, i sent several communications with them advising that amount owed was false and needed correction before payment. company refused to respond and sent it to collections.

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 07/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This case was proven to be one that involves the theft of my identity. The original creditor states that they instructed the major consumer reporting agencies to delete all reference to this account from my credit file and I would like assistance from the CFPB to ensure this is completed.

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 11/23/2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There are addresses on my credit report that I have never lived at. The addresses are as follows, XXXX XXXX XXXX XXXX, XXXX, OR XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX. Please these need to be investigated and then removed. I am trying to get into a home to even rent and can not due to these addresses being on my credit report. Please remove!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 've contacted Equifax at least 15 times regarding this matter. I 've even contacted the companies which they 've stated they did not have any information on file regarding inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Billing disputes

Complaint: Our family left the country for two months XXXX XXXX, XXXX XXXX XXXX, XXXX ). I contacted Bank of America beforehand per telephone telling of our intentions and made on XXXX XXXX, XXXX a payment and explained to them this was specifically to cover any amounts due until our return this date, XXXX XXXX. On XXXX XXXX, XXXX our credit card quit working. I called the bank and after 30 minutes hold time I was told I would be charged late fees and penalties. ( total amounts yet unknown ). I feel these penalties are unjust & fraudulent as they were informed beforehand I would be out of reach to contact or make payments ( the {$2000.00} prepayment ). The penalties will reflect that I paid my bills late affecting my flawless credit as well as I feel the unjust fees. This I feel 100 % the fault of the Bank of America and ask for any assistance in resolving this dispute. I feel as this bank is falsely charging penalties causing myself and my family undue duress.

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 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (NC).
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: XXXX has again continued to refuse to remove MISSING public consumer credit information in violation of the new rules imposed as of XX/XX/XXXX : " The big three credit bureaus XXXX, XXXX and XXXX will no longer report a tax lien or civil judgment on a consumer 's credit report unless it includes the person 's name, address and either Social Security number or date of birth. Existing liens and  data missing this information will be expunged. '' I have provided irrefutable proof that the information found on my consumer credit report is inaccurate because it is in fact missing the required data. XXXX also refuses to provide me a copy of the original legal document supposedly issued to me containing my name, SOCIAL SECURITY NUMBER, birth date and/or address. Therefore, these state tax liens must be removed as they are invalid and inaccurate. 
I am not the only person with the name listed on these documents. XXXX is using a third party source ( LEXISNEXIS ) to verify this information. 
Here is the response received from them ; " XXXX has reviewed the complaint and its records. Please be advised the creditor verified the Tax Lien case numbers XXXX and XXXX correct as reported. '' This is a complete lie. The state of North Carolina and the XXXX county Clerk of Court does not provide tax information to credit bureaus ( I sent them a letter from the NC Dept. of Revenue stating such ). The 3rd party source 'verified ' this information inaccurately and illegally yet XXXX is regurgitating the information as a fact in direct, blatant violation of the newly imposed rules.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have received multiple letters from XXXX Inc. attempting to collect a medical debt from me. The phone number they provide on their letters goes to an automatic voice message stating that all representatives are busy and to leave my personal information. I have left a handful of voice messages with my name and contact information ; however I have not XXXX received a phone call back. This process has been ongoing for well over a month now and I can only imagine how much worse my credit score is being affected by this process. I am looking to pay my debt ; however can not reach anybody via phone and the website they provide also does not allow me to log in. I promptly get logged out to due an " error '' each time I attempt to log in. This is getting extremely frustrating and has caused me to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PAYPAL HOLDINGS INC. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A caller contacted me to collect a false debt on a nonexistent account totalling {$2400.00} while impersonating a representative of PayPal. The caller requested immediate payment of a minimum amount of a couple hundred dollars to avoid more late penalties added. I said I would call back and then called the real PayPal who verified no account existed under my name holding any debt. 

The number the call originated from is XXXX. They are scammers, but brazen enough to have a website called " PayPal Credit '', based in XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: We recently purchased another home From XXXX this past XX/XX/XXXX and it was financed by XXXX and it was sold to Wells Fargo before we even received our first payment due. We do n't have a problem with that what we have a problem with is that before it is is even late there collection department calls every month and harasses us that our payment is due. We always pay before the grace period, but lets say they do n't get it by the first when its due they start calling even though they advised our grace period is until the XX/XX/XXXX. We pay through our electronic payment system with our bank every month no later than the XX/XX/XXXX. we have a confirmation that they were paid on the XX/XX/XXXX but I still get a call today that they were not paid. I am still waiting for the Deed to get sent to us. We closed in XX/XX/XXXX. I do not trust them.

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