milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/19/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: XXXX XXXX XXXX XXXX - Failure to disclose my investment account ( s ) from XX/XX/XXXX '' I '' XXXX XXXX XXXX have Assets, Investments, Securities and other personal and real property and co mingled Personal Fortunes. This includes Cash, Jewelry and other Assets which are stored in XXXX XXXX Bank XXXX XXXX, XXXX Bank XXXX XXXX. XXXX Bank ( formerly XXXX XXXX Bank of XXXX ), XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX to XXXX Safety Deposit Boxes. The City of XXXX, various Federal and State of XXXX and XXXX. These Entities should have Vested interest when these Boxes are opened as they are included in shares of the wealth of my Personal Fortunes as described with other additional instructions and information left in the Boxes. My sister XXXX XXXX XXXX, now of XXXX, XXXX was granted access under certain Terms and Conditions and has shares of the Assets if she performs per the signed Agreement. This was Signed in XX/XX/XXXX and the Agreement authorized by all Parties. This and other Agreement meetings were held from XXXX through XXXX of XX/XX/XXXX at XXXX XXXX Bank in XXXX, XXXX. As best as described, a " Letter of Performance of all Parties '' was left with XXXX XXXX Bank XXXX XXXX, all Parties, Myself-XXXX XXXX XXXX and XXXX XXXX XXXX have to be present when " I '' XXXX XXXX XXXX or XXXX XXXX XXXX or other Parties initiate the opening of the Boxes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have repeatedly reported to all three credit bureaus that I have no knowledge of an account with XXXX XXXX XXXX All three bureaus keep coming back saying the account is accurate and verified but they dont send me any information showing how or what was used to verify the information or any information validating the validity of this account and that its owed my me or that its even my account. I dont know who XXXX XXXX XXXX is Ive never heard of them, have no knowledge of owing them. And nothing has been produced to show why this negative account should be reporting on my credit bureau reports

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Checking or savings account (Checking account) with IBERIABANK (TX).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I was contacted earlier in the year by a representative from Iberiabank. I left voicemail but never received an answer back. 

In XX/XX/2018, I received a voicemail from XXXX and attempted to call back but there is either a long hold or when I press 1, it hangs up my call. I can not reach anyone. I also received an email to my Iberiabank account but could not login at all. I have been having issues logging into Iberiabank for a long time, especially since losing access to electronics from Harvey. 

Finally, I received a mail notice from Iberiabank on XX/XX/2018 stating that my account ( XXXX ) was being charged off due to an extended overdrawn status in the amount of $ XXXX. I had no idea my account was in this status until XX/XX/XXXX. Why was I not mailed a notice before then? Any call attempts I had were no good.

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 07/21/2016 about Consumer Loan (Installment loan) with Risecredit, LLC (CA).
Issue: Managing the loan or lease

Complaint: getting debt collection calls at work and on my cell daily. They say that there is a claim against me and to call back. This is a pre-recorded message " robo call '' getting them for months at my job looking to sue me for a loan I do n't have. I think Rise Credit has sold my personal information to a scammer since they are the only ones who have my information like cell phone, bank info, social Security number and cell phone and work phone.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with AMERICAN EXPRESS COMPANY (IL).
Issue: Unauthorized transactions or other transaction problem

Complaint: I placed an order online with my American Express serve card. I mismatched the billing and shipping addresses and placed the order however the order never went through the money was still put on hold. It 's really important to me that I can correctly place this order as soon as possible but there is absolutely no customer support for the American Express serve card to help relieve the hold. If there was someone I could explain the situation to then I know they would be able to take care of the situation but there 's nobody but a menu to greet you when you call or get transferred for customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (Credit card debt) with Alpha Recovery Corp (NC).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I am receiving numerous calls every day attempting to collect a debt, leaving messages on the answering machine that are overheard by my roommate. After leaving such a message on the answering machine XX/XX/XXXX at XXXX XXXX EST the collection rep then contacted my youngest sister on her cell phone, on XX/XX/XXXX at XXXX XXXX EST " and inquired about a possible new contact phone number if she could have said contact number ( request was denied ) then inquired of my employment status asking for the company name and telephone number ( was told that I did not work, the representative responded negatively with a XXXX XXXX ). In fact I have been receiving Social Security  XXXX since XX/XX/XXXX. According to The Federal Fair Debt Collection Practices Act, " collectors may not tell another person, other than your attorney or spouse, about your debt. '' This Collection Company maliciously and with disrequard violated my consumer rights by discussing my debt with a third party.

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 11/20/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: On XX/XX/XXXX i deposited 3rd party checks in my account and forgot to have the payee endorses the check. On XX/XX/XXXX chase froze the account including funds from my paycheck and refused to allow me to witro any money from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ME).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This account information is incorrect. This amount owed was paid. Negative marks on my credit report that are false

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have submitted various complaint on a problem I am having with my mortgage company and up until today they have not given me a glimmer of hope as to what they will be helping me stay with my home, at this moment I have no idea what I 'm going to do I am in total disbelief that there is n't someone higher then them to help me out, Once again I was under the impression that if they would n't give me a solution you 's would help me get to the main source, I have a foreclosure date of XX/XX/2016 what am I going to do, I received a call from a XXXX XXXX were he told me that nothing can be done because the foreclosure day was going to be soon and they did n't have time to start the paper work this was Monday XXXX/XXXX/16 and you tell me that from then until XX/XX/XXXX there is n't any time or is it that he does n't want to help I told him I was going to see what can be done and without any further word he just hung up and that 's it. I do n't want to continue complaining to you. Please help me find a solution to this because I 'm at a point that I think I 'm going to go crazy. Once again thank you and I hope something can be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Debt collection (I do not know) with Access Receivables Management (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never had the chance to find out what this debt was. 

Access Receivables purposefully sent my debt to an address I did n't live, and even worse when they marked for collection for XXXX and again in XXXX. 

The only reason I knew this is because I pulled my credit report through the XXXX contracting bureaus. 

They 're playing with Statute of Limitations of my debt, and I 'm really frustrated with their illegal practices. 

I lost XXXX points of my credit all of a sudden, because of them. I need it back.

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 10-10-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been getting annoying phone calls from a company called Portfolio Recovery. phone number listed is XXXX. They call at ll hours of day and evening from XXXX to sometimes as late as XXXX at night, while we are trying to sleep. I have also contacted my telephone company about 6 months ago and they suggested I block my phone number which I have done. But the company continues to call from a different number. i have also talk to them in the past year and a half and I have told them that they have the wrong person. I have answered the phone several times and I can hear background noise and no one says anything to me. They continue to call to this day even though, I have told them to stop calling me. It has become very annoying to the point that I feel harrassed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Aged item showing on my credit report. Item was place on report showingopen : XXXX XXXX activity XXXX should be report it is passed the 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (NY).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX and XXXX, 2016 I became a victim of identity theft at the JP Morgan Chase bank, when approximately {$12000.00} was taken from my savings and checking accounts. 

To date the bank has reimbursement approximately {$9500.00}. 

The bank refuses to reimburse the balance of the money taken, which is {$2500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/14/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have a credit card with Capital One and they abruptly suspended the usage on my credit card due to suspected fraud from me. I submitted my license and verified my identity and they still have restrictions on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Problems caused by my funds being low

Complaint: I recently made XXXX minor debit card purchases which brought the balance in my checking account to a negative status. At the time that I checked the account online there were no fees assessed, so I withdrew the necessary funds from my savings account to bring the checking account to a positive status. 

Two days after I made the transfer, they still applied the {$35.00} fee to each purchase - bringing the total in fees to {$140.00}. After discovering the fees, I then called the bank about it. At that point they reduced the fees to {$26.00} for each transaction, which they referred to as a partial reversal. 

My issue with the matter is that If I made a transfer ( from an account with the same institution ) which brought the status of the account to a positive status - BEFORE they assessed the overdraft fees - why should I have to pay any fees? 

Any help in clarifying this matter for me would be greatly appreciated.

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 07/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (NY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: INSURANCE ON THE ACCT WAS MNOT ACTIVATED INSURANCE WOULD PAY THEW ACCT IN FULL

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Consumer Loan (Vehicle loan) with BOK FINANCIAL CORP (TX).
Issue: Managing the loan or lease

Complaint: I had a loan with Bank of Oklahoma for a Jeep. I soon after had a few life events, my mother passing, moved and loss of income. I notified the bank of this and they were willing to work with me on the loan. I came within XXXX payment of paying off the loan and then they repossessed my vehicle after I paid off the payment. Payment was sent through XXXX XXXX as I always sent it but, they said they did not receive it. It was repossessed after payment made and it caused me a lot of extra fees to get my vehicle back. I paid the fees got the vehicle back but then they kept reporting it as a repossession when it was paid and they repossessed it unfairly. After all the fees they tacked on it now shows as a repossession on my credit filr and they are not willing to work to show what happened. Is it even legal for them to repossess after the payment was made. What can I do to have it reported fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Equifax, as required by law, offers a method to obtain free credit reports from the 3 major credit reporting agencies. It offers an online method through XXXX. However, just as I did when I tried a few years ago, when I selected free credit reports from all three agencies, after I completed the steps for the Equifax report and received it, I clicked on the tab to move on to the next report ( the XXXX report ). The next screen gave me the option to exit the site or cancel. It did not take me on to the XXXX report. 

This is what the agencies do. They put up obstacles to getting free credit reports in the form of glitsches in the online process. The website does n't work and the consumer is left to use a slower and more cumbersome process, such as ordering by mail, or paying for the reports. 

This is a SCAM that the credit reporting agencies have been running for years. It happens every time I try to be my free credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Issue : Student loans by   XXXX   XXXX   XXXX   (   XXXX  ) are  being reported as deferred, part of Chapter  XXXX , and delinquent at the same time. I have talked to   XXXX   who have assured me that the student loans are not delinquent. Also my bankruptcy does not include student loans ( Chap. XXXX  ).     I last contacted credit bureaus in   XXXX   XXXX   about incorrectly reporting student loans. They sent me a reponse saying that the student loans were being reported correctly. Also contacted all bureaus multiple times during   XXXX   and  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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 XXXX XXXX XXXX tax lien which was paid in XX/XX/2013, in the amount of {$1900.00}. The lien was released and removed from my XXXX and XXXX, but still remains on my TransUnion. If removed from two credit reports, it is or should be removed from TransUnion.

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 09/18/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (MO).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I received a pre-legal notification letter from XXXX XXXX XXXX on XXXX XXXX, XXXX. I owe a jcpenny credit card debt of {$730.00}. I called to ask them for a lower settlement amount. On their website, I saw that it could be settled for {$300.00}. The person I spoke with told me, " there are no deals. I can put you on hold but we do n't make deals ''. I asked her why the website says there are settlement amounts. I told her I ca n't afford {$300.00}. I lost my second job. I told her I might as well file bankruptcy. It 'd be cheaper. She then began to tell me about my bankruptcy in XXXX and how I ca n't file again.. she was rude, vile, hateful and unethical. I called to settle a debt by payments or a settlement and I wound up berated. She asked me which attorney I will be using. I told her XXXX XXXX in XXXX XXXX, mo ... I called back later to talk to a different person but spoke with the same one. She said the account is now in litigation. How is this possible? How are they allowed to speak to people in the manner they do? They are ruthless.

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 07-03-2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (AZ).
Issue: Trouble during payment process

Complaint: I have been with PNC mortgage company since XX/XX/XXXX. The property is located in a town were USPS is not available all correspondence needs to go to a P.O. BOX. The mortgage company failed to inform me that my property taxes went up. I make mortgage payments trough my bank never been late since XX/XX/XXXX, The say since taxes went up they received my payments in a suspense account, reported we were making no payments to credit bureaus and ruin my credit, initiate foreclosure procedures and decided with out my authorization to do a loan modification. I found out because I was trying to apply for a 15 year refinancing that they were reporting me late. I lost the opportunity to refinance because of them! I call them and they argue they attempted to call me for a year, for some reason they had my internet phone number ( I only use my cell phone number ), they say they sent mail to the physical address but We do not receive mail to physical address because there is no mail in this town only P.O. BOX, they do not have proof they stamp a notice in my door, they did not e mail. They fail to provide any proof that they attempted to contact me for this problem. I have correspondence from them to my p.o. box and e mail for other issues. I have been with PNC since XX/XX/XXXXor before, every time We call them they verify our information so there is no excuse for them to argue they can not find us, we have Same phone number at list 12 or more years, p.o. box, e mail since XX/XX/XXXX, nothing have changed, they did a refinancing in XX/XX/XXXXand they sure had our information then, around XX/XX/XXXX we call them because the payment was late 1 day and they did confirm the information then. I want them to return everything back to my original loan, they are trying to convince me to accept the modification I did not authorized, I ALREADY TOLD THEM NO, I am not willing to modify my loan, start again and pay all late fees, administrative fees and all other trash fees they are trying to add to my loan. The WORST is that they decide for me to modify my loan, started the trial period and dispose of my payments WITH OUT MY AUTHORIZATION!

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have a HELOC with Chase. It was opened on XX/XX/XXXX. I have been a Chase customer since XX/XX/XXXX. I have never paid late ; not once. I have stellar credit with not only Chase but ALL my creditors. They decided in XX/XX/XXXX to change the interest rate on my HELOC from 2.74 % to 8.50 %. When I called they stated they had to " flip it to a fixed rate ''. I completely understand moving the loan to a 'Fixed Rate '. However, fixed rates today, with my fico of XXXX is a rate of approximately 4.125 %. I DO NOT understand how they can move my rate UP by 5.76 % in one month!!!! If any mortgage lender put a borrower in a loan at 8.50 % with credit such as mine, the CFPB would be knocking on the door of the lender asap. This is completely unacceptable to charge me a rate of 8.50 % on a mortgage loan. They did not offer me ONE SINGLE option. Just sent a new statement with the payment quadrupled. Please investigate. I have the statement and proof of the increase in interest rate. I can send anything needed. This is terribly wrong and needs to be corrected asap. Thank you.

Company response to consumer: Closed with explanation