milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-07-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (AL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: My mom is an authorized user on my Belk account. She paid {$250.00} on my card on XX/XX/XXXX and was given a receipt to verify the payment. Normally, when making a payment in the store, the payment is posted to the account immediately. However, the store was having a large sale ( Charity sale ), so the cashier told her it may take a few hours for the payment to post. It NEVER posted! I checked my account on-line XX/XX/XXXX and it STILL had not posted. However, the check cleared the bank on XX/XX/XXXX. I received an email on XX/XX/XXXX at XXXX XXXX, stating a payment to my account was posted. So again, I checked online, to view the available credit and payments on my account. It showed no minimum payment due and the " last payment of {$250.00} was paid on XX/XX/XXXX ''. However, the payment STILL was not applied to my account balance. I rechecked again today, thinking it may update within 24 hours ( which has never had to do ), but the payment STILL has not been credited to my account!! I have filed their forms to report a missing payment, but to date, I have not received a response.

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 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have spoke with XXXX a supervisor at XXXX XXXX today, at XXXX XXXX est. she agreed that the information was not associated with my credit report and still refused to have the inquiry removed. Why does a debt collection company do hard inquiries in the first place? The inquiry took place on XXXX XXXX, 2016

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (OK).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Wells Fargo Bank made an unauthorized draft against my business checking account last night : XXXX/XXXX/2016 DEBIT WELLS FARGO CARD PHONE PYMT - ********** {$400.00} ( {$270.00} ) This unauthorized access to funds in my account resulted in my account being overdrawn. In addition to this, other legitimate transactions were posted to my account after it was overdrawn and overdraft fees in the amount of {$65.00} were assessed by my bank. 

Fortunately, I discovered this situation this morning and my bank is being very helpful in addressing it. I have been using the phone payment feature at Wells Fargo for the past several months, but this most recent draft against my account was absolutely unauthorized. I had not had any communication with any person representing Wells Fargo to authorize this. 

This is actually not the first time such a thing has happened. The first time was confusion about how many electronic drafts I had authorized ( I had authorized XXXX payment, but because of poor communications I can see how they have plausible cover thinking I had authorized XXXX ). 

This time, there was zero communication between myself and Wells Fargo, only an electronic draft issued last night in the amount of {$400.00}, which I discovered this morning. 

I have had a history of slow payment on this account and Wells Fargo has normally been reasonable about letting me get the account caught back up. 

I happen to be still behind schedule ; I am currently due for two month 's payments after having been even further behind during the winter months. 

No doubt this is the reason someone at Wells Fargo made the decision to access my bank account without authorization from me. 

I understand Wells Fargo 's expectation to be paid but they are not authorized to access my bank account without my permission, as they did last night. I note that this transaction occurred across state lines. 

My bank is taking care of the immediate matter by refusing the draft from Wells Fargo and by crediting my bank account in the amount of the returned items fees I was assessed after my account was emptied by Wells Fargo.

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 01-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XXXX XXXX, XXXX I made a payment of {$7200.00} to my Capital One XXXX XXXX card. The payment was deducted from my bank account on XXXX/XXXX/XXXX. When I went online to review the status of my Capital One credit card the available balance was around {$150.00} although I see the payment posted in my credit card transactions. I then checked my bank account again to make sure I was not missing something. At this point I planned to call Capital One to see if my credit limit was significantly and if so for what reason. When I called Capital One on XXXX/XXXX/XXXX they told me my credit limit of {$8900.00} was still in place and the payment was placed on HOLD because of the amount. I asked why was n't I notified of this HOLD, they replied they do not have procedures/requirements in place to notify a customer when they place a payment on hold. I then asked why an electronic payment placed on HOLD especially when Capital One had already received the payment as it had cleared my bank account. I have screen shots of all these dates and payments if CFPB would like visual details on the payment activity to confirm/validate my comments.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Debt collection (Other debt) with Richard J. Boudreau & Associates, LLC (IL).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: On Wednesday,  XXXX   XXXX  at approximately  XXXX , I received a phone call from a gentleman claiming to be from  XXXX   XXXX   XXXX  stating that they had a summons that they needed to serve me for a lawsuit and asking the best way to reach me at my job. I explained that I was not aware of any pending lawsuit and that if I am to be served the police would know that process. He then explained that he could give me the information from the attorney for the plaintiff and I could contact them to possible place a hold on being served at my workplace and the embarrassment that would come f rom that. He stated that this " servicing '' was to go out soon so they would only be able to hold it for 24 h ours while I contacted the company. I took the information for a  Richard J. Boudreau & Assoicates, LLC., a p hone number of  XXXX  and a case number of  XXXX .   I contacted this law firm and spoke with a  XXXX   XXXX . He stated that there was a case brought against me for breach of contract and check fraud and another claim i can not recall from their client. I asked who the client was that I owed money to. He stated that the original creditor is a company called "   XXXX   XXXX   XXXX   '' and I entered into contract with them in  XXXX  of  2014 . I stated that I didnt recall and asked for additional information in regards to this case and asked if this   XXXX   XXXX   XXXX   company was their client. He stated he didnt have any additional information but that I could contact them and he would tell their legal department to place a hold on my case fo r 24  hours. The following day, they contacted on my work phone and spoke with an associate of mine and told her that myself or my attorney needs to return their call. I returned the call, asking for  XXXX   XXXX  and let him know I would be recording our phone call. At that point, I asked if I could receive the spelling of his firm and address. He then became extremely aggressive and began yelling at me refusing to answer any of my questions. This went on for a while until he hung up on me. I again called and asked for the address and correct spelling of this firm. Again, he became angry and aggressive and yelled at me. I looked through my personal voicemail log and heard a number of messages where this company never informed me that they were attempting to collect a debt but that they had a legal matter they needed to discuss with me. I want them to stop contacting me at my workplace and provide the proof of debt and information I requested.

Company response to consumer: Untimely response
Consumer complaint received 01/21/2017 about Debt collection (I do not know) with Stellar Recovery, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I Do n't Know Who I Owe & If It 's Me That Owes ... Need To Know More About The Debt.. Who To Contact & If Information Is Right Who & Where Do I Send Money Too??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked and gave out all my personal information. If I was n't in danger of identity theft before, I and 145 million other people are now.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Optimum Outcomes, Inc. filed a collection on my credit report. In the past, my late fathers medical bills had been mixed with my bills because I cared for him and we shared the same doctors. I disputed the debt with the credit reporting agency. Their investigation came back verified. I contacted Optimum outcomes and the lady was rude and was not willing to communicate other than stating I owed the debt. I then wrote a request to Optimum Outcomes for proof of the debt. They responded with only a letter showing the same information that was on the credit report and stated this was their validation and they were only required to do this once. No proof of agreements between me and the original creditor, the creditor and collector, payment history, original agreement, itemized statement or anything else that would prove the debt. Only XXXX insulting letter for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (GA).
Issue: Money was not available when promised

Complaint: I purchased Ethereum and Litecoin ( cryptocurrency ) and sold them on XX/XX/XXXX on Coinbase with the proceeds ( cash ) to be wired to my verified bank account. The system stated the wire would be sent by XX/XX/XXXX. The money never arrived. Coinbase posted a generic message stating backlog of transfers due to high volume, will take 7-10 business days. They posted that the wired was completed on XX/XX/XXXX, yet as of XX/XX/XXXX I still have not received any money. 

I tried contacting them by phone but ca n't get a real person. I used their support page on the website but just get automated response. I submitted a support ticket but no response. 

The wire reference numbers are XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: Sent XXXX XXXX XX/XX/XXXX informing them that my ex-husband XXXX XXXX filed bankruptcy XX/XX/XXXX furthermore the court has entered an order of discharge releasing him from all debts. Nevertheless, XXXX placed debit on all three credit reports. I requested them to remove debit from my credit file per bankruptcy on XXXX XXXX credit file original account holder. Contacted all three credit reporting companies XX/XX/XXXX and XX/XX/XXXX to file disputes, however they did not remove item from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (FL).
Issue: Taking out the loan or lease

Complaint: During an extreme financial emergency, including fraud and other unexpected tragedies, we were having difficult making payments on time. Ford Motor Credit Co. called an offered to assist us by putting two payments at the end of the loan. During the call we, my husbands wheelchair had just stopped working while in the yard, and did not understand the terms of this offer, which sounded to him as though it was something to help us ( he was in the middle of trying to get his wheelchair to work ). Later we learned the interest rate not only increased substantially, but now was compounded daily, putting us much further in the rear. I called requesting assistance with the extreme added charges due to not understanding what the penalties were be, the offer was not explained in a matter that was understood. I was told to call back and that they would help, when I called back, I was denied any assistance. It took 7 years to pay off a 5 year loan. I will mail a completed report of the charges, I have requested from Ford. I believe that it was intended to defraud the consumer masked as assistance when needing it was needed the most. This should be illegal to defraud the consumer and should be addressed. We are on a fixed income in the middle of extreme hardship when, Ford called us, and took advantage of our misfortune addeding to our financial hardship.They intentionally mislead us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I filed a third written signed and notarized request for Experian Credit bureau to investigate or Verify information on my Credit report. It has been 30 days or more under the FCRA Section 609 ( a ) ( 1 ) ( A ) & 611 ( 5 ) ( A ) They have not sent me any documentation in regards to there investigation. I feel they have not even investigated the accounts on my credit report. I never received any written notice and my account has not been updated I still have not heard from Experian or received documentation or proof of said accounts to be correct.

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 06/14/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX spoke with the relationship manger at Bank of America modification department name XXXX and I was informed all the documents were received and the sale date would be put on hold. The number the documents faxed to at bank of America was XXXX. I contacted the attorney that was handling the foreclosure was told named XXXX at XXXX. The documents that was requested to complete the modification submitted was quit claim deed since wife was not living in the house any longer. That was approved on XXXX. I contacted Bank of America and was told on XXXX that per XXXX XXXX at Bank of America that they had the incorrect address and I have been contacting them every day and no response. Now I was told that they do n't know if the house is sold or if servicing rights have been transferred. I have not received any notices. I have been defrauded out of my house and I want answers. Spoke with XXXX today and she told me at the law office that XXXX did not contact them and the confirmation of the sale is XXXX XXXX and I will be their with my documents to show the judge that Bank of America only requested the Quit Claim deed and I have proof that on XXXX confirmation for XXXX XXXX previous CFPB case number XXXX and his number is XXXX extension XXXX and has not been in contact with me for three weeks now. I was told my property went to sale on XXXX the following day of receipt of the quit claim deed request and was told the sale date was post ponded. That was not true though. My consumer protection specialist is my witness to XXXX XXXX that has been trying to help me from loosing my home. I will be court on the XXXX XXXX. Please assist.

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 07-12-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm in the process of a short sale on my home because this was the only option Bank Of America gave me. I use to have my XXXX loans with Bank of America ( XXXX and XXXX liens ) NOW while negotiating my short sale Bank of America went ahead and sold my servicing rights to XXXX. NOW XXXX who is my first lien holder approved my shortsale BUT is only giving Bank of America who is my second loan {$6000.00} and Bank of America wants {$12000.00} to release. As of this morning Bank of America has stated that they will NOT work with us in closing the short sale because they want {$12000.00}. Is this legal for Bank of America to do? hold me hostage to foreclosure?

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 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX, 2017 was the date of signing the bankruptcy. The amount of the charge-off was {$620.00}. I have asked the credit card company to change the statues from a charge-off on the account with the credit card ; but they refused to change it on my credit report from last year. I have several payment statement receipts showing that I have made payments unto the account was paid in full. I had put the account through a bankruptcy ; but then I had the bankruptcy dismissed by asking the judge to cancel the bankruptcy completely.

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 02/23/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This is not mine. Company has n't deleted item after I provided proof.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (LA).
Issue: Loan modification,collection,foreclosure

Complaint: I received a notice to vacate from Attorney XXXX XXXX XXXX stating that the owner XXXX XXXX XXXX XXXX XXXX is seeking to recover possession of the property. After contacting XXXX Bank, I received an email ( attached ) stating that XXXX owned the property that XXXX Bank is the trustee not the owner, but after research XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that the property was Service Released to Ocwen and XXXX Bank is still the Trustee not the owner. Attorney XXXX, under the motion filed in court by Another law Firm states that the property was sold to XXXX Bank by XXXX on XXXX XXXX, 2014. I never receive the addition information that XXXX Bank stated that i should have received by Ocwen as the transfer of the property to Ocwen. I called Ocwen and was told that the social security number listed on the loan number did n't match the property address at XXXX XXXX XXXX XXXX XXXX, LA XXXX. The loan number given to me by XXXX Bank # XXXX, and that Ocwen was responsible for the proceeding. The attorney filed that he was representing XXXX Bank as the owner. In court the attorney that gets the motion signed is working at the XXXX where we are to report fraud in Louisiana and he and other attorneys are committing fraud for these bank.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (ME).
Issue: Managing the loan or lease

Complaint: XXXX XXXX I co-signed a vehicle loan for my brother. We got Wells Fargo. XX/XX/XXXX the car was totaled. A payment of XXXX was made XXXX, XXXX. The monthly payments are XXXX a month, leaving a balance of XXXX due on a 48 month loan. I did not know the car was totaled until XXXX, XXXX. I immediately contacted Wells Fargo on XXXX XXXX, XXXX. I was in contact with them until XXXX, XXXX going though XXXX cunstomer service reps. and XXXX account Managers. Each process with ruder and ruder associates. XXXX asst., # XXXX and XXXX acct. Manager # XXXX being rude and of no help, with just the opposite of any prior help. I asked why my account was not reflecting 20 1/2 payments that they were paid on XXXX, XXXX by the insurance and did I still have a 48 month loan. I was told yes by the XXXX account manager XXXX and not to go by what my account was showing. They have since file 2 late payments on my credit report after stating this would not be done. They also suggested doing an insurance deficiency re-write loan. I did that and they refused me. They all agree I still have a 48 month loan though.

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