milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/13/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Deposits and withdrawals

Complaint: On Saturday, XXXX XXXX, 2017, I attempted to access my online account with Bank of America because my payroll check was deposited on this day. I kept receiving an message that the account do n't exist. I contacted the bank and was told that my account was closed. XXXX ( not sure of the spelling ) said that BoA does not have to give me a reason why they closed my account. I went to the BoA branch on XXXX & XXXX ( XXXX, MN ) and the Bank Representative name was XXXX and I explained to him that I need my money so that I would not get evicted and medication. I explained to him what had taken place earlier on the phone. He called the department that closes accounts and they said again that they do not have to give me an reason and that they would my mail my money to me between 10 - 15 business days. Later on Saturday, a bank representative contacted me and I explained to her again what had taken place. She said that I should return back to the bank on Monday, XXXX XXXX, 2017 to see if I could withdraw my money. On Monday, XXXX XXXX, 2017, I went to the BoA branch in the XXXX ( downtown XXXX ) and talked with XXXX. XXXX looked at my account and said that was strange. My checking is closed but my savings was still opened. XXXX called the department that handles closed accounts and spoke with XXXX. XXXX explained to him that I needed my money because I had rent to pay and to buy my medicine. XXXX asked if I was given a reason why my account was closed and I told him no. XXXX told XXXX that my account was closed on XXXX XXXX and I said that I did n't not receive any notification that my account was closed. XXXX said that my payroll check was rejected and returned to my payroll dept. I said I received notification. I was told by XXXX that my account was a risk account and they were closing it. I received nothing from them and if I had I would have contact my payroll department and intercepted so that I would have money to pay my rent and get my medicine. I am very disappointed in BoA because I was give several different stories about my account and what happened. As of today, I have no money to pay rent and to get medication. This is a inconvenience and that I should have received some type of notification. If my saving is not closed, why ca n't I get my money out?

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 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After years of struggling to make payments on my private student loans. Navient charged my loans off to a debt collection bureau. I was able to eventually reach a settlement for XXXX dollars with the debt collection bureau to settle the delinquent debt and put the loans in a positive status as paid in full as a result of settlement. Even after reaching the settlement and filing several disputes on all three credit bureaus, Navient is still incorrectly reporting my accounts as delinquent and charged off. Pay law they should change the status and it should be reflected on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: JP Morgan Chase repeatedly calls my phone number looking for someone who has not lived here for XXXX years. 

I have told them to stop calling me, but the calls persist. 

Most recently, JP Morgan Chase called four times today alone : at XXXX XXXX, again at XXXX XXXX, again at XXXX XXXX, and the fourth time at XXXX XXXX. After the fourth call today, I requested the name and ID # of the caller. His name is XXXX, ID # XXXX. I also told an Account Supervisor named XXXX, # XXXX of the repeated phone calls and JP Morgan Chase needs to stop harassing me. 

They call me repeatedly. They call frequently. They called me four times today alone. They say they are going to take the number off their list but they don't do it, and the calls continue. 

I am not the person they are looking for. They are repeatedly harassing me. I want this harassment to stop. I do not want them to ever call me again. 

Note : all the calls today came from phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Contacted Expirean to remove disputes off of accounts on credit report, they told me to contact the creditors. Did that then they told me to contact expirean. Then expirean told me only the creditors can remove the disputes. I have been trying to get this done for the last month so I can get a mortgage, but I keep getting an excuse they ca n't do it. I just want it removed ASAP.

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 02/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have had so many problems with Enhanced Recovery Corporation, approximately 4 days ago I got an alert telling me my credit report had dropped by more then XXXX points due to a new collection. Since I havent had any new collections show up in years I was confused. I honestly do n't even have any knowledge of owing the original creditor ( XXXX XXXX XXXX ) any money at all. On or around XXXX XXXX, XXXX Enhanced Recovery Corp removed this collection from my report ( or sold it to another company ). Then XXXX XXXX removed the same collection account on or around XXXX XXXX, XXXX. And again XXXX removed the same account from my report on or around XXXX XXXX, XXXX ... and now its showing up as a new account and dropped my credit score over XXXX points. There has to be some kind of law about this, especially because I never even got any notification to contest or deny the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12/16/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: My husband and myself have been fighting identity theft for months and it seems we have gotten everything take care of except " inquiries '' i have made no inquiries on my credit report and there should be no new inquiries for me other than target. Any other inquiries for my credit are fraudulent and i have mailed about this before

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: From XX/XX/XXXX to XX/XX/XXXX I have been making weekly payments of XXXX to my auto loan. I set my loan up for XXXX to apply to payment and the rest to principle. In XX/XX/XXXX and XX/XX/XXXX capital one applied multiple payments directly to principle without my knowledge or premission. I was not notified of the reallocation and/or my payments were not rejected. For months I assumed my payments were being applied as I directed until I was charged a late fee XX/XX/XXXX. In XX/XX/XXXX I called to inform them that I paid this bill in advance and didnt understand why I received a late fee and that I couldnt make another payment for a week or so. When I called to inquire about my advanced payments and late fees, I was told I never paid in advance and my payments were applied as I asked and I missed payments thats why I was charged the late fee. To resolve the problem one agent moved my payment ahead a month and told me someone would be in contact about the 30 days late. No one called and nothing was changed. After persistent calls to capital one and a payment by payment review, that i could not do myself because they blocked my transactions on my online statements, I was told they changed my payments from what I allocated them as to complete principle payments and I was told I was paying my loan to far in advance. When I asked why I was not notified or sent the payments back they stated that is not capital one policy and I do not have to appove them changing the way I requested my payments to be applied.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized credit inquiries

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 03/27/2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Other transaction issues

Complaint: About a month ago, we changed bank accounts from XXXX XXXX XXXX to XXXX ( we are both military veterans and felt that XXXX would provide us better service than we had been receiving from XXXX ). Within a day or two of switching our account, we went to all of our creditors and updated our payments for autopays that had originally been through XXXX and now would be through XXXX. This included paypal as we have quite a few autopays that go through this payment option such as our tv streaming subscriptions. XXXX had been informing us that some of our payments were being returned and we were ending up with return fees of {$35.00} a piece. We informed paypal about this and stated our payment option had been updated to distribute payments from our new default account - XXXX debit card. We removed our previous debit card via XXXX, however, paypal would not let us remove the XXXX checking account #. We did n't think this was too much of an issue as we had made our default payment option as our new debit card. We found it strange that it would not let us delete the previous bank account though. We had emailed paypal about this concern, but we have not had a reply at all. Additionally, we wanted to escalate this as paypal did this previously to us about a year ago when we had switched from XXXX to XXXX bank. They had apologized and deleted it for us over the phone, however, the damage had been done even though we had done what was needed to update our paypal account. 
We refuse to make payments to cover up a situation that could have been avoided had paypal not kept our old account in ( even though there had been multiple attempts to delete it and we had made our default payment option via our new debit card ). Based on our previous experience with XXXX, it appears that this is a common situation, however, I am not sure what paypal would have to gain from not updating an individual 's banking info. Strangely, some of these withdrawals are coming out of our closed account while others are coming out of the debit card we made default. It is odd how payments are not all coming from the same place. 
Either way, we feel our follow up and desire to remedy the situation has been thorough, especially having to go through this same situation a little over a year ago. Paypal needs to change their way of documenting payment options as we do not seem to be the only individuals suffering from this. 
I 'd like to ensure that paypal cover any return payment fees from XXXX and also write a letter to XXXX stating that it was because of their inability to update our account to our current payment option, this occurred. In the meantime, it looks like we have carelessly allowed this to go through XXXX when that is the last thing we would have wanted. 
We thank you in advance for any assistance you can provide to us. 
Respectfully yours, XXXX XXXX XXXX ( main account holder under XXXXXXXXXXXX ) XXXX XXXX XXXX XXXX XXXX spouse )

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Mortgage (Conventional fixed mortgage) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX, XXXX FRAUD ALERT. 
Re : Respectfully Request an Investigation on the following : Failure to Disclose and Misrepresentation of Fact On XXXX XXXX, XXXX, I purchased a home and upon having the water turn on I was informed that the house is sitting on a Septic Tank. I contacted the XXXX XXXX XXXX XXXX and confirm the fact and emailed a diagram over where it is located The listing agent listed the property as public water and sewer. I had a certified inspector to come out that fail to inform me of the septic tank and my agent fail to do her job. 
I attempted to resend the sale and my credit union that is refusing to resend. In addition I did n't received paper work to resind the loan and my right to have the septic tank evaluation. 
I was defraud by my agent, the seller and the inspector. I believe that it is that there is something wrong with the septic tank and possible sitting on some sort of sink whole. A could cost from XXXX, I also discover that in XXXX, there was a {$13000.00}, insurance payout on the property. I also believe that listing agent possibly are selling these foreclosures with major home repairs and leaving the consumer with the bill and possibly foreclosure. 
In XXXX of XXXX, I live in a house where the septic tank back-up and sewage came back into the property my property was damaged and the landlord refuse to help me. I moved out and living with my sister to save to purchase a home. 
I contacted the Consumer Protection Bureau stated that I have three-years to resend the sale because I was n't in the disclosure papers. My agent text me and ask if I wanted to sell the home. I 'm XXXX and the happiest day of my life is now the saddest. I was scam Buyer Agent - XXXX XXXX XXXX XXXX XXXX - XXXX, GA XXXX XXXX XXXX Listing Agent/Broker XXXX Real Estate XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX - Certified Home Inspector XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX Navy Federal CU - XXXX Property : XXXX XXXX XXXX XXXX XXXX, GA 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 07/21/2015 about Credit card () with JPMORGAN CHASE & CO. (WA).
Issue: Other

Complaint: My case is regarding the auto rental collision damage waiver provided with a XXXX card. I rented a vehicle, accepting a partial waiver to cover deductible costs, termed a partial LDW XXXX loss damage waiver ), which covers {$500.00} worth of damage. I had an accident with a deer that caused the total loss of the vehicle, around {$10000.00}. XXXX benefits is denying the claim, stating that I did not decline the collision damage waiver. The benefit information states clearly that " XXXX is secondary coverage which means that it supplements and applies in excess of, any valid and collectible insurance or reimbursement from any source. '' The benefit information also states that " if you accept the collision damage waiver offered by the rental company, you will not be eligible for XXXX. '' However, I did not accept a collision damage waiver, it was a partial coverage meant to cover deductables. Given the text that this benefit is supposted to apply in excess of insurance " from any source '' I believe I should still be covered, but despite an appeal Visa is still denying the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH).
Issue: Problems caused by my funds being low

Complaint: Firstmerit bank is moving items around in the bank account that is causing an over draft fee to be charged after the amount was put in to cover. On XXXX/XXXX/2016 I checked my bank account and showed I had {$17.00} and some change in the bank and all the pending charges had come out of the bank. When checking my account on XXXX/XXXX/2016 it showed that a check had come through after XXXX and caused the account to over draft, I went in that same day and put the money in to cover the amount and when checking my account it showed I was in the positive {$2.00} and some change. Well when checking my account this morning XXXX/XXXX/2016 all the items had been moved around causing the account to overdraft again last night costing me {$35.00} over draft fee. When I checked the account before bedtime last night I was still in the positive and after not using my card at all yesterday the charges that had come through XXXX/XXXX/2016 had been moved to XXXX/XXXX/2016. The way that they are showing in the account is that I had been using my card after the account was bounced but I even opted in to have it that I am not able to use my debit card if the amount that I am trying to buy is more than the amount in the bank. I contacted customer service and they had been no help, the representative was very short with me and did not want to help.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Checking or savings account (Savings account) with BARCLAYS BANK DELAWARE (AZ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: unable to access account ... & change password ... email response arrives NEXT DAY even though it ( authorization code ) was requested the day BEFORE ( ten minutes to respond is NOT being followed by BARCLAY ... this has been/is an ongoing problem

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 03-06-2017 about Credit card () with WELLS FARGO & COMPANY (NM).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Back in 2014 I applied for a college credit card while I was attending XXXX University in XXXX New Mexico. The card was mailed to my old home address in XXXX New Mexico. I never got possession or activated the card. Within a few days it gathered a bunch of charges on the account that were not authorized because I had never even received the card. I called wells fargo to report the card stolen the cancelled the card but never got back to me about the charges.

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 01/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I was seeking XXXX of my free credit reports and so I went to the FTC website at XXXX I followed the recommended link to XXXX I filled everything out and selected TransUnion. I filled more forms out for them, eventually it came time to access my credit report and they required me to fill out a card number form. I thought this was part of the process of getting my free credit report. Nowhere did it say they were going to charge me {$1.00} or sign me up for any services, there was no agreement or information regarding this. I gave them my card number to access my credit score and received an email about a charge that they had made for {$1.00}, which I did not authorize. I contacted my bank and they said that I would be charged again as part of a service if I did not cancel. This was news to me. I immediately canceled. I called TransUnion to get a refund, but they asked me for my social security number and my credit card number. I can not trust this company and do not want to interact with them regarding personal information. I simply want them to refund my money, I provided them an order number which should be enough. I am disappointed that a .gov website sent me to a finance company that is capable of such a fraudulent scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: According to XXXX XXXX XXXX, there is a {$100.00} bill from XXXX. This is not accurate. My bill with XXXX was paid in full in XXXX 2012, when I moved from XXXX to XXXX. <P/>This continues to show on two of the credit reporting companies. Euqifax and XXXX. XXXX  removed it from my file at my request. <P/>I do not have payment information that goes back to 2012 as XXXX is requesting. <P/>Why does one drit reporting agency remove this from my file and the other two do not. Why is the burden of proof not on XXXX XXXX XXXX. <P/>I just switched from XXXX to XXXX for my cell service. Do you think XXXX would have allowed that if I owed them money? <P/>Please get this fake debt to go away.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit card () with STERLING JEWELERS, INC. (FL).
Issue: Customer service / Customer relations

Complaint: This is not my account yet the company keeps calling me and harassing me. I want the calls to stop. Its depressing and stresses me out. They call me every hour from different numbers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Debt collection (Medical) with Peter Roberts & Associates, Inc. (RI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I spoke with Peter Roberts & Associates today ( XXXX ) concerning a collection that is on my credit report and showing up five times for the same account. It is for XXXX XXXX, XXXX, RI and it is for the same service - these duplicate accounts need to be removed. I also spoke to them about XXXX other accounts I have which is fine. I requested that once these debts are completely paid, I wanted them removed from my credit report. I was told that the federal government is asking collection agencies to refrain from removing debt from people 's credit reports just so that they could have a history of the account. Can you please tell me if this is true? I spoke with another collection agency prior to calling Peter Roberts and was told that once I made my last payment, they would remove the dispute from my credit report. Can you please provide some guidance?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I filed a dispute complaint about 45 days ago, and nothing changed on my report these acct has been sold to different collection co. for over 7 years they are not mine, im XXXX did n't knowall this was going on in my report, I know I had id thieft XX/XX/XXXX I 've been in an out of hospital I want my credit back and make it rightht they all are small amount I do n't have money to pay for something that 's not mine

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation