milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Today I was contacted by appointment with XXXX XXXX in an attempt to transfer 401k investment accounts as a result of my recent departure with my employer. I called XXXX XXXX ( also XXXX ) to  move my investment account to a different selected portfolio within their infrastructure. I met with a financial advisor who spent in totality more than 2 hours walking me through my options over the course of the last two days. I elected an IRA account with no withdrawals and was taken through the account launch process which lasted approximately 30+ minutes.

On the telephone, I specifically asked the representative if my credit report was going to incur a hit and I was advised " no, that this was not required ''. However, upon submitting my personal and financial information, I received an automated denial notice with indication as to why. I asked to speak with a manager and was finally advised that I was listed on a " do not open warning list '' with no further explanation. I then called BOA who transferred me to the " closing department '' ( XXXX ) and was advised that BOA closed a checking account in my name for " reasons unknown '' in 2013. They then advised that they reserved the right to do so despite the fact that my credit was in good standing, I had no outstanding returned checks and quite frankly never have, and despite me having absolutely no accounts in collections or otherwise and maintain a quality credit ranking. 

I further inquired as to why BOA would allow me to keep an investment account with my former employer and in-turn, refuse approval of an IRA account ( XXXX ) when in fact, they solicited and even specified that I review my available options to reallocate these funds to another BOA investment product now that my employer is no longer making contributions. I asked why they would send me solicitations regarding my options if their system of record was in-fact predetermined to deny my application without a true and clear review of my credit report and financial qualifications. Thus, AFTER placing an unnecessary inquiry on my credit report and taking me through hours of a deceitful exchange. 

I have never been denied a checking account or credit for that matter and maintain an excellent rapport with XXXX XXXX for day-to-day banking. As such, XXXX should be utilized by BOA as a true example of professional banking standards and regulatory compliance. This was surely a waste of BOA employees time, of mine and is a clear example of a break in process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call continuously without leaving a single voicemail. I blocked this individual number after XXXX calls within XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I do n't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Other fee

Complaint: I have Chase XXXX Credit Card with JPMorgan Chase and I was charged {$37.00} in interest despite having paid my balance. I reached out to JPMorgan to informally resolve the issue, but was just given formulas and told the {$37.00} would not be given back. Right now my full balance is paid and has been since my statement ended. 

I believe Chase either intentionally or mistakenly took {$37.00} from me. XXXX # XXXX so I will fight back, but who knows how often JPMorgan Chase is either intentionally or negligently taken consumers money. 

You can reach me via e-mail at XXXXXXXXXXXX or on my cell at XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: I received the response from XXXX XXXX XXXX through the CFPB portal. XXXX XXXX XXXX mentioned that I have disputed this previously in an attempt to discredit my claim, which is unfortunate. When researching XXXX XXXX XXXX it appears they operate out of a trailer in a rural town in Tennessee. When reading the reviews of XXXX XXXX XXXX online it appears this attempted intimidation tactic to discredit claims on small debts is a wide spread problem for this small company that should be addressed. 

When researching this company I attempted to locate their license to practice debt collection in the state of Tennessee but was unable to locate the record. When searching for their license I searched for the business name, XXXX XXXX and XXXX XXXX. 

I searched for their business license and what I found continued the record of disturbing information about this company. It appears XXXX XXXX XXXX lost their license to practice business in the state of Tennessee on XX/XX/XXXX and continued to do business, illegally, until they applied for reinstatement on XX/XX/XXXX. I used complaint dates filed against the company to determine the likelihood that they continued to operate without a license during the lapse. 

This company is attempting to collect a debt for a utility at a home I never resided in, owned, leased or rented. Property records show I never owned or had any interest in this property, this address is not located on any of my credit files or reports and I was not even living in the state where this account was opened when this account was opened. I understand that this small company has some big issues, but since I have now been advised to submit this information directly to the credit bureaus and cut XXXX XXXX XXXX out of the discussion I wanted to provide this update to the parties involved so we all get a good idea of they type of company we are dealing with, which is exactly why the CFPB had to be established. I will include XXXX XXXX on this dispute so they receive an official copy.

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 09-01-2015 about Debt collection (Credit card) with Zakheim Law Group, P.A. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX a garnishment in the amount of {$2500.00} was placed on my checking account by Zakheim & Lavrar XXXX XXXX, Florida for a debt owed to XXXX Bank. Zakheim & Lavrar claims to have sent XXXX documents to my residence warning me of an impending garnishment. We received neither of these letters. If we did we would have immediately paid off the debt. We were n't made aware of the garnishment until after we tried using our debit card and it was declined. After contacting the bank and learning where the garnishment was from we immediately drew a tellers check for the amount owed and mailed it. Zakheim and Lavrar received the check on XXXX XXXX. We asked when the hold would be released and they said between 7-10 business days. After 10 days we checked and the hold was still on our account. We contacted them and they informed us that they mailed out a Dissolved Writ of Garnishment to the court and our bank on the XXXX. We waited 5 days and the hold was still on. We contacted them again and they stated that they had mailed the Writ on the XXXX, and again that day, the XXXX. After contacting both our bank and the court today we learned that neither have received any documents regarding our case. The court informed us that the document needs to be sent via XXXX, the way the original documents to place the hold were sent, and to date, they have received nothing from Zakheim and Lavrar. We feel that we are being directly lied to by Zakheim and Lavrar and they are doing nothing to resolve our issue. From the beginning they have been giving us erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I am having an issue obtaining my credit report with  XXXX ,  XXXX  and Transunion. I have called all  XXXX  of the companies and they have told me that there is no block or freeze placed on my credit. When I try to sign up for consumer credit monitoring websites, I am receiving messages like : " Your personal information does n't match with credit bureau records ''. I am including a screenshot o f one of the websites for review. I need to be sure that the credit bureaus have the right personal information on file for me. I have researched this issue and I have come across several one star reviews and complaints by consumers who have other perso ns ' information on my credit report and this is what causes issues like these. A bank was able to pull all  XXXX  reports for me back in  XXXX   2017  so I do n't know what has transpired since then to suddenly cause incorrect information to appear on my credit report. I am also going to include a copy of my driver 's license for the CFPB 's review with my current address and name. Please 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 09-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (MO).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I had a judgement, was told as soon as it was paid they would update court records and credit report. 2 1/2 years later received notice that it had not been updated to either credit nor court. I have a letter stating account settled in full with XXXX balance, and that they would be updating my credit report.

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 02-10-2018 about Checking or savings account (Savings account) with POPULAR BANK (WA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: The undersigned complainant, and thousands of other depositors, are the victims of an ongoing fraud perpetrated by Banco Popular North America, an FDIC insured internet bank. 

I opened a savings account in XX/XX/2016 when Banco Popular offered/advertised an interest rate of 1.15 % apy which was competitve at the time. Some months later Banco raised its adverised rate to 1.30 % apy, then 1.40 % and now currently 1.50 % apy. 

Banco Popular misled it's depositors including me to believe we were earning the higher rate of interest on our savings. In fact, my account and those of many others continued to earn the original 1.15 %. Banco Popular advertises only the higher rate ( currently 1.50 % ). It never disclosed that it paid various rates on savings accounts or offered various savings accounts. Banco Popular never disclosed to this and other depositors that to earn the higher rates it would be necessary to open other accounts. Banco Popular made very subtle changes in its savings account products to mislead their depositors. My 'Popular Direct Savings ' was replaced by 'Popular Plus Savings ' and currently 'Popular Direct Exclusive Savings ' in a fraudulent scheme to cheat depositors of interest we were misled earned.

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 04-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I realized that my daughter never received bills for her student loans for her XXXX program through Navient. She graduated in XX/XX/XXXX. 
I called Navient to take the loans out of deferment and they told me they were unable to do so since she was enrolled in XXXX XXXX. 
When I asked to speak to a supervisor ( XXXX at XXXX ) he repeated that could not take the loans out of deferment until they were notified by the XXXX program that school was complete and there had been a 6 month grace period. I would like to start payments on loans immediately - it seems crazy that they want to keep student loans from XX/XX/XXXX in deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (DC).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I signed up for a new XXXX XXXX XXXX at the recommendation of the person in the bank branch. They told me about the great bonus rewards being offered if I spent at least {$7500.00} on the card in the first three months. Ive banked at Citi for many years and the branch is very familiar with me so I assumed they were telling me the truth. He told me the bonus more than offset the high annual fee. I signed up and spent the money on the card. When the bonus didnt show up in my account I called and was told I wasnt eligible because another card I had opened five years prior earned the same type of points, even though the card was discontinued and I dont have it anymore. So even though I paid the annual fee and spent the money on the card they wont give me the XXXX Citi points.

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 12/27/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Trouble during payment process

Complaint: Well they say they working on this it just seems there trying to delay to make me look bad so they can foreclose they know they can make money from property, And yesterday XX/XX/XXXX man went by snapping pictures of home do n't tell me Wells Fargo is up to something!! We did send another payment in XXXX so I know we are only I behind Buts that 's there fault for hiring Idiots who do not listen!!

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 08-02-2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Debt has been resolved and has fallen off credit report. Original debt is over 7 years. Last payment made over 7 years ago. Rep is trying to collect on behalf of Cavalry Portfolio and disclosed I made a recent payment while account was in collection, complete false. Cavalry Portfolio can not verify debt and has wrongful been making account seem current in order to gain momentum on collecting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/17/2017 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (PA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: On XXXX/XXXX/XXXX XXXX XXXX. Is sending me letter trying to collect {$6300.00} dollars that is owed on a lease. I could n't pay for they lease anymore so I took the car and dropped it off at the dealership I bought it from. Since then they have sold the car and are still trying to collect money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian continues to report inaccurate information on my credit report. I have disputed the name listed on my credit report numerous times & they keep reporting it. This information is NOT ME, HAS NEVER BEEN ME and I 'd like it removed at once. I 'm attaching all legal documentation to prove my legal name ...

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 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: On X/XX/2017 I opened a free account with Experian that allows a user to monitor their credit report for free. I used my account to initiate a credit freeze on my credit file and I was directed to Experian 's Identity Protection feature which is not free. After I declined the Identity Protection I found the page to place a freeze on my credit file. I entered all my information as I did when I opened the free account and Experian declined to place the freeze on my credit file. Experian used the excuse that they could not place a freeze on my credit file based on the information I entered. I used the same information to open the free account so how could it be correct to open the free account but not to place a freeze.

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 02-05-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with UNITED COMMUNITY BANK (GA).
Issue: Problem with the payoff process at the end of the loan

Complaint: Back in XX/XX/2010, I accepted a job for a XXXX XXXX. I received 3 checks for a total of {$2800.00}, an I went to my bank to cash them.. I was concerned about the legitimacy of the checks an asked my bank to double an triple check them to see if they were real an good.. the bank told me three times yes, that the checks were good.. I cashed the checks an completed the things that were required of me to keep a portion of each check, one to two days later a police officer an two cars loaded with 5 people from the bank came to my home demanding that I return the money from the checks. I informed them they told me the checks were good an that I did not have the money due to I sent most of the money off. A week later the bank asked me to come in to make arrangement 's to pay it back. I started paying the money back XX/XX/2010, now its 7 an 1/2 years later, an the amount has grown from {$280000.00} to over {$7000.00} even tho Ive been paying on it for 7 years.. Ive never received any loan documents to explain the loan. My understanding was I just had to repay the amount of the checks seeing how both my self n the bank was scammed, because the bank checked three times n said the checks were real an valid.. My husband recently done some checking an this loan seems to automatically renew itself.. when I talked to the bank, they said yes it does automatically renew itself every year.. At the rate this is going Im going my balance seems to go up not down every year ... I need help getting this resolve so I can get this paid off.. My husband says this seems to be like the payday loans where people cant pay them off.. Recently I asked the a few people at the bank for a copy of the original amount of the scam or the amount of money the gave me for the three checks.. It was explained to me that they do not have the paperwork because its by law they can throw it away after seven years.. A few months ago I sent a registered letter asking for all information pertaining to the amount of money the bank gave from the three checks.. I received a call from the main bank inquiring about the loan.. I explained to the lady an she did some checking an told me she dont understand or explain about the loan. She said she would investigate an get back to me.. Please I need help with this matter..

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 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: on XX/XX/XXXX and XX/XX/XXXX XXXX reported hard inquiries on my credit report without my consent. I 've contacted the creditor with no success of removal

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 09/13/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: First, chase closed the chase XXXX card by mistake. On XX/XX/XXXX, I found my account was closed suddenly and several days later, I received a letter from chase said the account was closed upon my own request. But I did ask anything at all. I never called chase hyatt card and neither I sent a message to close my account. So I called chase and they admit it was their mistake and they reopened the card for me without any apologize. 

When I thought everything will be fine after that, I found my account was charged by an interest fee. Then I found the fee was because my last statement was not paid in full. How come? I clearly remembered I set up the auto pay with full statement amount, I had few chase credit cards and I ALWAYS pay full amount, I never miss one payment and I pay every single statement with full balance. So I personally think chase restored the setting when they re-opened my account. I have talked with the customer representative but they said the system wont able to do that. I agreed with him before, but thinking about the mistake happened to my account before, I really feel like the system was not secure. 

Just now, I was talking with XXXX customer representative. First one named XXXX, who is very polite and willing to solve my problem. But after he transfer me to the supervisor, whos name is XXXX XXXX according to him, everything changed. He is the rudest, slowest the customer representative I have ever met, he is not responsive at all, he always make me feel like he is not with the phone and he is not trying to solve the problem at all. Please pull out my phone call at XX/XX/XXXX, XXXX center time. 

Overall, there are mistakes by chase, and chase representative is not willing to fix the mistakes and the customer service XXXX XXXX is not professional at all. Though i love chase bank a lot, the customer service really changed everything.

Company response to consumer: Closed with explanation