milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-05-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Using a debit or ATM card

Complaint: I had my bank card stolen and my account was overdrawn. Consequently, my account was flagged and reported as supected fraud XXXX. Please advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I haved filed with Complaints against XXXX with Consumer Financial Protection Agency against XXXX and now XXXX is damaging my credit and harrassing me everyday and nights and weekends in trying to collect a debt l do n't owed since 2015. 
My last filed complaints with Consumer Financial Protection Agency was filed on around XXXX XXXX, XXXX.filed XXXX complaint # XXXX. 
XXXX has collection company lC System Inc harrassing me on my cell phone XXXX and leaving voice messages. 
I am on XXXX XXXX XXXX and XXXX. 
I am taking prescribed medications. 
I am also a XXXX Military Veteran. 
Under my XXXX XXXX XXXX Act Laws Civil Rights XXXX or IC System Inc can not collect no debt under Federal Government mandated XXXX XXXX XXXX Laws Civil Rights and XXXX XXXX and XXXX can not display collections on my credit report. 
This is a Federal Government Consumer violations of the XXXX XXXX Laws implemented by Congress XX/XX/XXXX.for XXXX Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This company will not update my account for XXXX XXXX the credit report is to supposed to say paid account and have a XXXX balance l.I do n't have a balance with XXXX XXXX I paid account off and the status supposed to reflect the changes

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 01/23/2018 about Debt collection (I do not know) with WAKEFIELD & ASSOCIATES, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : WAKEFIELD AND ASSOCIATES {$440.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious WAKEFIELD AND ASSOCIATES {$440.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 02/23/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: received notice from collection agency that I owed over XXXX to a credit card from TJMAX which I do not have I have never been in a TJMAX. This was through Syncrony Bank and done XX/XX/XXXX. I had just opened an account at XXXX store in XXXX through Syncrony Bank and one month later I receive a letter from XXXX It was sent to XXXX XXXX My name is XXXX XXXX. He or she also had my social number and birthdate. This is not me who did this. My credit is excellent

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Dear Sir or Madam, Last XXXX I applied the XXXX  card from bank of America. According to the terms and conditions, I can be qualified to get XXXX XXXX bonus miles and {$100.00} statement credits plus annual companion fare after making purchases of {$1000.00} or more within the first 90 days of opening your account. 

I did make the purchase in 90 days and noticed I didn't receive the bonus last XX/XX/XXXX. I called BOA and the associate said I didn't match the qualification because I only spent {$930.00} cause the annual fee {$75.00} didn't count the purchase of {$1000.00}. However, the associate even checked the terms and conditions and didn't find any statement about annual fee isn't a purchase. The associate said I should be qualified to get bonus so he helped me to file higher level in BOA to get my bonus back. 

On XX/XX/XXXX I got a mail and it said I didn't meet the requirement to get the bonus because I didn't spend at least {$1000.00}. I called BOA again for the details but they just said its final decision and wont be changed and no one can answer why annual fee isn't a purchase that I paid for the service of BOA. 
They even suggested me to reapply the same credit card and pay {$75.00} annual fee again then spend {$1000.00} in 90 days so I will get bonus. I am so disappointed that BOA used tricky ways to get more profits for their credit card business.

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 01-11-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (LA).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX17 I initiated a sell of digital currency with Coinbase.com in the amount of {$3300.00}. It has been almost a month and I have yet to receive the money from the sale. I have sent numerous emails and have yet to receive a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A credit card account ( I am co-signer ) was charged off XX/XX/2014 ( Main person on card claimed BK ) Experian ( only ) continues to report this as open and 120 or 180 days late every month. The other XXXX are reporting accurately. The creditor says I have to take it up with Experian. I have disputed now 4 times with them in the last 3 years. I am exhausted and do not know what else to do. I have wanted to purchase a home two years ago an still can not because of what they are reporting.

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 02-12-2018 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (IN).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint: XXXX OWNS SEVERAL PREPAID CARDS e.g. XXXX/NETSPEND/XXXX ETC..

I JUST FINISHED MY TAXES ON XXXX XXXX AND WAS GIVEN THE OPPORTUNITY TO GET A NETSPEND ACCOUNT WHICH WAS SEND 3 DAYS LATER! USED THE ROUTING A ND ACCOUNT NO TO HAVE TAXES FOR STATE AND FEDERAL TAXES DEPSOIT INTO NETSPEND, ON THAT DAY I TRIED TO ACTIVATE CARD AND WAS TOLD I COUNLD'T HAVE A NETSPEND CARD. AND NOW HAVE MY REFUNDS GOING TO THIS ACCOUNT.

ROUTING NO.XXXX

ACCOUNT NO.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 10/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Arbor Residential Mortgage LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage was transferred from XXXX XXXX XXXX to Seneca Mortgage Servicing. While at XXXX XXXX XXXX, I was approved for a HAFA short sale and ready to close. I have the closing package as well as the approvals. As of today, I still have cash buyer ready to purchase. I also have a hard equity lender willing to do a short payoff refinance. The short sale did n't close out previously because title could not be cleared due to liens filed with the municipality and an erroneous blanket wild mortgage filed on every parcel on my block by a different lender. 
I have been trying to resolve my foreclosure through a modification, short payoff or short sale, but I have not been able to reach anyone at this company for the past 3 months. I tried to register online and to no avail. I sent a signed authorization in order to have third parties discuss my case, but I have n't had a response. I am currently in bankruptcy and my attorney sent authorization so I can apply for a loss mitigation workout solution directly with Seneca Mortgage Servicing. I sent this authorization to both Seneca 's fax number and email address. I really need assistance. I was faced with a series of medical emergencies that forced this hardship, but I am aggressively trying to resolve this matter. A foreclosure would impact my current employment and prevent me from working as a contracted employee. It would also hinder my return to school. Please help, please help me get a single point of contact to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CONTRACT RESOLVE GROUP LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This man, XXXX XXXX of Contract Resolve Group LLC has conveyed all my business to an employee of my company. He has made threatening telephone calls and emails to my landlord, the City Health Department, and continues to place telephone calls and texts to me after being told numerous times not to contact me. He is abrasive and goes out of his way to contact external parties to taint my business relationship ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: the creditor is reporting the account delinquent since 2009 which would have already get the account deleted however experian keeps it on the record by deleting the original delinquency dates.

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 12/16/2017 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: XX/XX/XXXX noticed there inaccuracies on credit report phone in and wrote letters to have items investigated have not received results nor has items been removed ; accounts addressed were : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Bankruptcy, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. And XXXX has never been late

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Mortgage (FHA mortgage) with MONEY SOURCE, THE (NJ).
Issue: Application, originator, mortgage broker

Complaint: In XXXX XX/XX/XXXX I received a phone call from XXXX XXXX, Mortgage Loan Originator for the Money Source, who currently hold my mortgage. The call was to advise me that I qualified for a reduced rate on my mortgage and that I could refinance. The rate offered was XXXX. I currently have a rate of XXXX and that the closing would take place before XXXX. I followed all the necessary steps that was required. No closing date set. This went on for almost two months. I received an email from XXXX XXXX was to advise me that I would refinance for a 26 year mortgage instead of a 27 year mortgage, which I had no problems doing. The last notification from XXXX was on XXXX XXXX, advising that the loan would be done in XXXX as they could not close before XXXX which was the planned date. I was NEVER told that the rate would expire. He advise that right after the holiday we would be able to close. As of today, XXXX XXXX, I had not heard back from XXXX I sent an email to his account. I received a phone call from a XXXX XXXX of the Money source who advise me that XXXX was now in a leave of absence and that the rate lock had expired on XXXX/XXXXXXXX That a rate extension had been submitted but it had been DENIED. 
Please note the following : I was never notified that the rate had not been extended as XXXX XXXX did not advise me of that face. Secondly, No one at the Money Source had the professional courtesy of calling, writing, emailing or even texting me of the above set forth. 
I am of the opinion that the money source has acted in bad faith. They have taken advantage of the fact that the interest rates were going to go up and dragged this refinance account through the beginning of XXXX to then advise that it was denied, when through the months of XXXX until XXXX it was available. 
XXXX XXXX also felt the need to advise me that if I were his client, he would have made sure that I knew in advance of what was happening. Furthermore, that I was not the only XXXX left in this predicament. 
I continue to have my mortgage with them and am in good standing with them but they have certainly left a very bad taste.

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 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I went through a name change when I got married in XX/XX/XXXX, changing my last name to XXXX from XXXX. I also moved and reported that to both the school and Federal Student loan dept. When it came time for my deferrment to end and to start paying, the company sent all the letters and payment requests to the old address that was NEVER forwarded. It was n't until the collections showed on my cbi reports that I was aware of the problem. By that time the XXXX XXXX XXXX XXXX transferred all my accounts to their delinquency credit collector who refused to accept my paperwork for repayment for 1 year and half! After finally threatening the credit agency with an attorney after speaking to one, the collection agency accepted my repayment plan on their own " made up '' terms. The credit reports continue to show the accounts as derogatory and unpaid since original date reported. I have been paying since contract with the credit company. The XXXX XXXX XXXX XXXX 's collection department has racked up over $ 7k in interest by stalling this process all along. When I call the XXXX XXXX XXXX to try to pay the entirety of the balances off with consolidation loans, they reject my requests and say their is nothing I can do but to stay in this ridiculous repayment program. They took my husband and I 's XX/XX/XXXX tax return and applied all $ XXXX to the loan balance even though the credit program I contracted under said this garnishment would not happen. It 's ruined my credit and I can not buy a home. I have disputed it with all 3 credit bureaus. The cbi 's removed it and then it reappears again the next month. An attorney has advised me to contact your agency to help. Please help 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
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a loan that was on Identity Theft & fraud by XXXX XXXX bank that was not sign by me as the California All Purpose Certificate Of Acknowledgement was for corrections & power of attorney for the instrument being the deed of trust. 

I did not sign nor was or appeared before the notary/notary agent on this document I have identity theft and fraud by the said parties XXXX XXXX & the notary/notary agent hired by them. 

Fraud & Theft on the instrument for the Deed of Trust

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Mortgage (Other mortgage) with Consumer Real Estate Finance Co. ().
Issue: Application, originator, mortgage broker

Complaint: Our Loan Officer, XXXX XXXX, Mortgage Consultant XXXX # XXXX, with Consumer Real Estate Finance Company. 
Has been more than usual rude, disrespectful, condescending, non-communicative, etc .... with us the clients, as well as with our Agent. 
Our agent called us a few days ago to inform us about his behavior with her. 
We informed her that he does have a tendency to sound and act unprofessional. 
So today, I was confused about a email we received and wanted to asks him a question and he exploded on me with his condescending manner and he basically said do n't call me I will call you if I wish to.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Student loan provider only offered limited solutions to help me. Due to a medical issue Ive been out of work and unable to afford my payments, Navient representatives have made it seem like my only option was the amount that they requested and nothing less.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I received XXXX different credit scores see attached

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 06/15/2017 about Debt collection (Other debt) with PlusFour, Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: The account listed is for  XXXX   XXXX , my name ie  XXXX   XXXX   XXXX . My social security number was used and I have never received service from this provider.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (CT).
Issue: Loan modification,collection,foreclosure

Complaint: Dear Shellpoint Mortgage Company, C/O XXXX XXXX I have received the loan modification agreement from Shellpoint and it does not reflect the terms you laid out in the XXXX XXXX, XXXX letter you sent me stating : " Note that the total new principal balance under the modification is projected to be {$160000.00}, and {$49000.00} of that balance would be deferred. The deferred balance is non-interest bearing, and you would not make payments on the deferred balance : however, the deferred balance will become due and payable in full once the loan matures. '' The offer I received is for paying on the full balance of {$160000.00}, with no deferred balance. When I called customer service, I was told the offer is what it is and there is no other option, without anyone picking up the phone to talk to you or any other supervisor. I thought we had worked out our differences with the lack of attention paid to my account and the multiple errors being made on account of Shellpoint Mortgage Services. 

In addition, your XXXX XXXX, XXXX letter requested that I set up a meeting time and date by emailing you at XXXX. I did this as you requested and as of XXXX XXXX, XXXX I have yet to have a representative from Shellpoint Mortgage Service call me to discuss the concerns I communicated to you about the " batch errors '' on my account. In addition, in the same letter you mention " posted to your loan in error '', refunded to you in error '' and made at the request of a Shellpoint employee, in error. '' It seems to me that there are a lot of errors happening and little to rectify the situation. 

I also mention duplicate PMI payments which you wrote off as " disbursements for XXXX XXXX and XXXX XXXX were skipped. '' Another error perhaps? Or how about if you look back at the data you will see the skipped payments you mentioned actually were made on XXXX/XXXX/XXXX for XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX for XXXX/XXXX/XXXX. 

I have worked hard on getting Shellpoint to take responsibility for the " errors '' which have altered my account. I honestly believed we came to an agreement with you last letter and am disappointed that I now have to continue to fight with you to get the agreement you sent me in writing on XXXX XXXX, XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation