milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-11-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: I provide more supporting documents for the following case that I have previously submitted : XXXX. It is the error of Bank of America ( BoA ) which caused the mistaken transactions for my tax refunds. 
When I filed the 2015 Federal and California Tax return direct deposit, I omitted the last XXXX digits of my BoA account number. BoA account number has XXXX digits. I only wrote first XXXX digits for the account number, which should be an invalid account. BoA should have therefore returned my tax refunds to IRS and California Franchise Tax Board due to the invalid account number. Please refer to the supporting documents for the details. 
When I went to the BoA branch ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) on XXXX XXXX, the bank clerk ( XXXX XXXX ) verified that both of my 2015 tax refunds from Federal and California are in a different account. That account number has XXXX digits : the first XXXX digits are XXXX ' and the rest XXXX digits are the same as what I have written in the forms. I never authorized anyone to add the XXXX digits of XXXX ahead of my bank account to receive my Tax refund. It is the BoA 's error to add the additional XXXX XXXX to form a complete account number. And to make things worse, BoA refuses to correct the bank error even though I have informed the bank about these error immediately. 
I demand the bank to return my tax refunds ( both from IRS and California Franchise Tax Board ) in full amount.

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 01-07-2017 about Prepaid card (General purpose card) with U.S. BANCORP (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: I bought a {$200.00} prepaid Master Card issued by U.S. Bank on XX/XX/2016. Before using the card in XX/XX/2016, I checked online to confirm the balance and saw that the card has been fraudulently used at XXXX 's on XX/XX/XXXX for {$190.00}. Since, the card has always been kept locked in my custody, I promptly called customer service on XX/XX/2016 and told them about this issue. 

The agent took my complaint and said that they will do a review. After about 15 days, I received a form which asked me to certify that the transactions disputed were not made by me. The letter said that filling up the affidavit ( form ) and sending it back was optional. However, to expedite the process, I filled it up and faxed it back to XXXX on XX/XX/2016 at XXXX AM XXXX. 

After patiently waiting for around 45 days, I called back on XX/XX/2016 to check the status of dispute. The agent said that they never received the affidavit back. This did n't make sense to me since I have a receipt of successful fax transmission to XXXX on XX/XX/<YYYY> Moreover, as per the language on the form, it was optional anyway. Since, the conversation was n't going anywhere, the agent suggested that she can resend the form to me and I can fill and send it back to them again. 

I received the form again in a few days which I faxed back to the required number very next day. 

Unfortunately, today, I received a letter from XXXX services dated XX/XX/2016 saying they ca n't help me with the disputed transaction since I reported it beyond the 120 day limit. 

I do n't agree how this issue has been handled due to following reasons : - I disputed transactions on XX/XX/2016 and XX/XX/XXXX ( again ) both of which fall in the 120 day window begin quoted by XXXX XXXX. 
- XXXX XXXX conveniently denied receiving my fax on XX/XX/XXXX even when I have a receipt showing it was successfully delivered. 

Hence, I strongly believe that XXXX XXXX. Bank are giving me a runaround for no fault of mine.

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 07/27/2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I 've been paying off my Chase student loans for quite sometime now. And last year, I was able to consolidate my loans into XXXX and so I paid off the Chase student loan. I had some of over payments that were due to be refunded to me. I refund check was issued and sent to me by email but I did not see this mail until just recently. At this point the check ( {$320.00} ) is void. For some reason I can not get a hold of anybody at Chase to even talk to about this issue. They did n't hesitate taking money from me but now that they have to pay something back it 's very difficult to even get a hold of anybody. Any help to resolve this issue will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I obtained a loan to buy a new car in  XXXX  from  XXXX   XXXX   XXXX  and have been paying the loan on time as stipulated in the loan agreement. Recently I obtained my credit report in an effort to obtain a mortgage and it showed on my report that I have been late on my payments for that particular account. The report stated 60 days late payments for the following months  XXXX ,  XXXX ,  XXXX  and 30 days late payments for  XXXX ,  XXXX ,  XXXX ,  XXXX  and  XXXX . I have never been late on my payments so I contacted the credit union to have them correct my report. I received a letter from them stating that their reporting was accurate and the was nothing they could do therefore I contacted the credit reporting agency with proof of my timely payments. The credit agency contacted the credit union and now they changed the late payments for 30 days to  XXXX ,  XXXX  and 60 days late for  XXXX  and  XXXX . This was the report I received from the Credit Bureau  XXXX .   I am not satisfied with this findings so I am contacting your office to help me resolve this issue and have  XXXX   XXXX   XXXX  take off all the late payments because I was never late.

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 12-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NAVY FEDERAL CREDIT UNION (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: CFPB took action against NFCU on debt collection. I 've submitted my claim on NFCU for wrongful charges on a XXXX ( XXXX ) XXXX ( XXXX XXXX promissory notes, but was closed without satisfaction. My husband 's direct deposit to NFCU XXXX since retirement in XXXX, stopped in XXXX XXXX, sued here in AZ in XXXX, collected garnishments over $ XXXX, made an unannounced withdrawal of over $ 4XXXX to pay VISA acct, sale of XXXX here in AZ in XXXX XXXX gain of $ XXXX, but posted to an already closed account -- all raised Red Flags. His account, primary owner, was closed, but mine remains open. I was the XXXX garnished. Question : How is this different from the action taken recently against NFCU and not gained a penny because of the timeframe?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was contacted by XXXX, XXXX thst I owed quite a large amount to XXXX the debt collector informed me he was able to make a settlement to clear the account. Two days letter he called back and gave me a figure of {$670.00} I gave him a check he claimed they deal with XXXX in regards to this settlement I got a letter that I still owed and called tranworld and said it takes time. Two months ago I get a large bill from XXXX suspending my registration I called XXXX they never made a settlement with them I have been trying to get the correct information from transported but the run around this is very dishonest and they are still trying to make like they want to help And today tried to make me a new settlement my lively hood is needing cars to go to work. I feel they pulled a number in me since they tell u anything to make a commission and I want my money back with interest. Please help this is a hardship for me and terrible that you put trust in a world wide company to do this not to me but lots of others.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (Credit card debt) with Client Services, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Affidavit of Denial XXXX XXXX XXXX XXXX OF XXXX XXXX OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. THIS IS NOT A DEBT VALIDATION LETTER Date : XXXX/XXXX/XXXX Dear Client Services, Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account Number : XXXX Reference Number : XXXX Amount Balance : {$5600.00} FTC Identity Theft Report Number : XXXX Victim Fraud Assistance Department I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. I deny this debt as I am a victim of identity theft. 

Please provide me with the following : 1. Agreement with XXXX XXXX XXXX that authorizes you to collect on this alleged debt 2. The original non-electronic agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete non-electronic scan payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). If your office fails to reply to this denial letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: COLLECTIONS ARE INCORRECT, THE AMOUNT IS PAID TO THE ORIGINAL COMPANY. I DISPUTED WITH CREDIT COMPANIES BUT THEY DIDNT REMOVE FROM MY REPORT. 

1. XXXX XXXX XXXX X/X/2013 {$1300.00} 2. XXXX XXXX XXXX X/X/2013 {$1900.00}

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 02/23/2018 about Debt collection (I do not know) with WORLD ACCEPTANCE CORPORATION (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX, I received a settlement letter from World Acceptance Corporation in the amount of {$240.00}. In response, I mailed a letter to World Acceptance Corporation with a copy of the settlement offer they sent me asking for the validity of the debt. In return, I would agree to making a full payment, after I receive a letter with the company letterhead agreeing to the offer with the removal of the account from credit report. However, World Acceptance Corporation only sent a letter stating they received my letter on XX/XX/XXXX, but was unable to identify any account with their company. The company asked me to send my full Social Security and Account Number to  locate the account. I refuse to send any information to this company. If the account exist the company should be able to locate the account by the account number they printed on the settlement letter. Also this company should have all viable information, since this account is reporting on my credit report. 

I request the validity of this account. I also request that this account be immediately removed from all three credit bureaus including : XXXX, XXXX and XXXX. A letter stating the deletion of account must be mailed to the address on file.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Credit card () with JPMORGAN CHASE & CO. (SC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A property has an insurance for flood that is paid by the escrow account from the bank. 
I asked for an estimate from another co XXXX, they asked me for the credit card and charged {$1000.00} that was not authorized, since it was already paid to XXXX ( XXXX ) which had the policy from the previous years, and paid from the escrow account as before. 
I had tried to reverse the charge for several months without success with the Chase Card, despite explanations and papers send to them, they do not do it. What is a misappropriation of funds by Chase and XXXX XXXX, plus Chase benefits for charging, illegal interest since the charge is disputed and not valid. The property has already the XXXX insurance. XXXX XXXX and Chase should be held liable individually, jointly and in severality for misappropriation of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Debt collection (Medical) with Richard Sokoloff, Attorney At Law (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was on Medicare at one time and this medical bill was paid through medicare. I had to pay the XXXX {$170.00} out of pocket deductible which I did. Now I have XXXX medical bills that are in collection. Medicare confirmed they paid these bills in full. The other question is how can an attorney sue me for medical bills for XXXX different doctors? Is n't that double dipping? I do not owe these XXXX medical bills and want them removed out of collection on my credit reports as it is causing my credit to be affected negatively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Trouble during payment process

Complaint: I participate with Bank of America mortgage, which they offered ,3 month no payment plan because of the hurricane that affected florida in XX/XX/XXXX. Before participating in the plan, they had assured me that they do not report to credit agency as missed or late payments, the representative said they are doing it to help consumers.Now i got letter from them saying, I need to participate in modification plan, which i do not want to because it will ruin my credit. so i called them today ( XX/XX/XXXX ) about it, the representative at the modification place threatened me that either i need to make the full 3 month payments or participate in their modification.Otherwise, they will report to credit agency as late/missed payments.

They told me that not report to credit agency. Now they are forcing me to participate for new modification .They also not deleting my PMI ( my loan was over 5 yrs ) due to this reason. What will i do?

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 02/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (KY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XX/XX/XXXX, I received a letter from CHASE Cardmember Services ( dated XX/XX/XXXX ) advising they are closing my account due to inactivity. The number provided to reach CHASE is outlined on the letter as XXXX. This is a non-working number. I have always had the understanding that closing a card can have negative impact on your credit score so even if I am not currently using the card/ have outstanding balance, I leave the card open. Can they just close the card and cause a negative impact on my credit score? Their note states, " We regularly review accounts to determine how customers are using our products. During a recent review, we found that you haven't used your card for an extended period of time. For this reason, we will close the account in 60 days as of the date of this letter. You may use the card until it closes but using your card won't keep it open ''. I have other cards that have been issued since the XXXX and they haven't closed them for inactivity. My main concern is the impact on my credit score. It is already deteriorating quite a bit since I lost my job in XX/XX/XXXX and have kept paying my house note since that time. My payments are becoming more and more late due to the fact I have now wiped out my savings and have just about used all the retirement funds. I know this has dropped my score several points as I just reviewed my score recently and see it has dropped almost 200 points. I have had other accounts 'close ' or the limits reduced, I am assuming they periodically run the score and note the deterioration. I have always paid my bills. In fact, I have paid some of these cards off more than once. I do not think this is fair. People file bankruptcy daily and continue to get credit. It's crazy. I feel like I am being punished for doing the right thing and paying the debt, even if it is paid late and on top of it, this card has nothing to do with that. Just a note saying closing for inactivity. My request is this? Please outline their rights relative to closing the account. If you agree this will negatively impact my credit score, please outline steps I can take to combat this action. 
Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WV).
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 requested that credit over two years old be deleted and that accounts in good standing be updated to show an older history of accounts from auto loans and credit history with the XXXX XXXX XXXX XXXX be updated. A recent response to a credit increase from XXXX XXXX listed among factors or denial were! ) Length of time accounts have been establish and 2 ) Too many inquiries in the past 12 months, All were based on information reported by Experian. 

I am submitting this request to CFPB because my effort to obtain the desired result in a letter I sent to Experian on XX/XX/2017 seems to have been ignored. I have not received a written response and these items have continued to adversely effect my credit history and credit score.

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 04/29/2017 about Debt collection (Medical debt) with Medical Business Bureau (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: re :  XXXX  How can u closed this complaint when is  OBVIOUSLY  not resolved?????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Debt collection (Medical) with United Consumers Inc (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: United Consumers Inc. sent me a notice stating that I owe {$150.00} to XXXX XXXX XXXX XXXX, however they are refusing to provide me with a bill. I have asked to cease collection activity until the debt is validated and they refused, which is a violation of the Fair Credit Reporting Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: I made an online transaction to XXXX XXXX. XXXX and the order was cancelled almost immediately by me. I called XXXX XXXX they told me they do not withdraw the funds they only put a 3 to 5 business day hold on it to verify the funds. XXXX XXXX emailed me a confirmation that the order was cancelled and that they did not withdraw any funds. I called Rushcard Prepaid card and they called XXXX to verify the transaction was cancelled, XXXX XXXX told Rush card representative they did not withdraw any funds. RUSHCARD REP. told me your funds should be in your account by XXXX XXXX or XX/XX/2015. My funds do not show up on my account with Rush card. I call and email them and no one can help me I am told the computer is loading, they put me on hold and hang up on me. The transaction shows as pending. The amount is {$940.00}. When I log in to see my balance it shows a balance of {$11.00} and it shows pending {$940.00} when I download a summary statement it shows balance {$940.00}, but Rushcard tells me they do n't see no transaction, but when I call They tell me different stories. The transaction was made and cancelled on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NC).
Issue: Deposits and withdrawals

Complaint: XXXX XXXX Chase has put on my credit report for the past 10 years that I owe them {$9400.00} for a credit card. I have never had a credit card with J.P. Morgan Chase, XXXX, nor any of the other banks that Chase has bought out. I was also XXXX in 2005 and had my identity stolen when I lived in XXXX, Texas. I never received any letters or phone calls from Chase in regards to owing them monies on a credit card that I was never issued! I have tried in vain to contact Chase to have this removed from my credit report but they never respond.

Company response to consumer: Closed with explanation