milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/16/2017 about Money transfer, virtual currency, or money service (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Money was not available when promised

Complaint: On Tuesday, XXXX XXXX, 2017 Bank of America was used as an intermediary bank for an International Wire Transfer from the US to XXXX. The wire transfer amount is for {$15000.00}, a {$78.00} InternationaXXXX wire transfer fee was paid to the XXXX XXXX XXXX XXXXXXXX XXXX. A huge amount of emails and phone calls between us, the Students from XXXX, the Banks have take place in order for the banks to honor the wire transfer. As of today Wednesday, XXXX XXXX, 2017 the wire transfer has not been completed. The students from the XXXX XXXX XXXX XXXX have spend a great deal of time in order to solve the problem because the wire transfer has never arrive in XXXX. We have inspected all the paperwork with wire transfers instructions and there are no mistakes at all, therefore we do not understand the reasons why Bank of America is holding the funds and are not sending it to the beneficiary. We have been told by the XXXX XXXX XXXX XXXX XXXX that the funds are no longer in the student checking account and the entire amount was forward to the intermediary bank. The funds are use to paid for transportation, lodging, food, etc for the XXXX XXXX veterinary students in XXXX. The entire group of students will depart tomorrow back to the US Thursday, XXXX XXXX, 2017. They provide free veterinary services for the rural poor in the XXXX XXXX located with in XXXX XXXX.

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 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: stuff showing on my credit report that are not mine please remove tham XXXX, transunion, and XXXX inaccurate information

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 11/15/2017 about Credit card or prepaid card (Store credit card) with Army and Air Force Exchange Service (AP).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX placed 3 orders on phone, please see detailed below. 

XX/XX/XXXX noticed I was over charged and called to dispute three over charged. 

XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX asked for refund status, provided their store policy to proof I was able to price match with coupon, asked if they got phone conversation records. 
XXXX XXXX XXXX XX/XX/XXXX was told she should have information by the end of week, but have not heard from her since. 

Order # XXXX Invoice shows {$88.00} was charged, but additional {$97.00} was added on my credit card without my consent. {$97.00} needs to be disputed. 

Order # XXXX Invoice shows {$100.00} was charged, but additional {$100.00} was added on my credit card charges without my consent. {$100.00} needs to be disputed. 

Orders # XXXX Invoice shows XXXX was charged, but additional {$97.00} was added on my credit card chages without my consent. {$97.00} needs to be disputed. 

Refund ( XXXX+XXXX+XXXX+XXXX ) have been credited, but still shows as {$17.00} is needed to be credited to my card, but I do n't think I should be satisfied just because they refunded me some. Also, the amount they refunded me was price match amount found from XXXX, but the time I placed my orders the prices were cheaper. Why should I pay for their mistakes? Besides, the price match is already done, and I should get refunded on unthorizated charges not whatever the amount they feel like to give to me.

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 04-12-2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: FIA Card Services was collecting on a credit card I had from BofA. FIA sought a judgement and won. I later settled the judgement yet it is still showing on my credit report as not satisfied. I have contacted the credit bureaus and can not get it removed or at the least correctly reported.

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 11-01-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: After this issue had been resolved with a collection agency for an agreed amount on behalf of the creditor XXXX XXXX XXXX XXXX, the file is again reopened for a third time after this had already been settled. These people are seeking a vendetta against me and seemingly are continuing to resubmit these derogatory credit filings to the agencies to reap their revenge for what I do n't know.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On Tuesday, XXXX XXXX, XXXX between the hours of XXXX pm and XXXX pm ( XXXX XXXX I attempted to access my account at the following XXXX XXXX XXXX portal : XXXX : //verified.capitalone.com/sic-ui/ # /esignin? Product=Card. 

I entered my login information correctly and was taken to a page asking me to verify my Phone Numbers, Email, Employment Status and Income Information ( All of which are available from the credit agencies ). At this time, I did not wish to disclose any further information. Usually there is a button to pass by these surveys if you do n't want to answer the questions. However, on this occasion there was and still is not an option. In fact, the past few months I have been asked repeatedly by this company to disclose this information and I feel it is harassment. 

Because I can not get past this page without answering these questions, I am unable to log into my account. This has XXXX my ability to double check certain charges showing on my monthly statement that could be fraudulent. I was attempting to access my account to check for more information, so that I could report to them, if it was needed. Now I am left with no way of verifying the information. I am also not able to make my payment or file a complaint via the website. 

After not being able to access my account, I called XXXX at XXXX pm ( XXXX XXXX. The agent who answered my call, said that she could not help me gain access to my account ; leaving me only the option of answering the survey form. 

I have been an outstanding customer for this company. I pay my entire balance every month on-time and have done so for many years. Apparently, Capital One is not satisfied with my only using a fraction of my credit limit for any one month, making on-time payments and having an excellent credit score. Maybe this an attempt to get me to miss a payment, so they can earn interest and penalty fees. I do n't know, but it sure seems fishy. 

**This and many other reasons are why I have been writing my Congressman and The White House to ask for more restrictions on credit lenders. I urge everyone who reads this to do the  same and to spread the word among family members & friends. It is up to us to hold our government and the companies doing business in the U.S. accountable. I urge you to take initiative and get involved.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Debt collection (Federal student loan debt) with NELNET, INC. (WA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Nelnet changed the monthly repayment amount on the standard repayment schedule for my federal student loans without notifying me of the change. The amount increased from {$330.00} to {$530.00} and first occurred when Nelnet auto-debited my account on XXXX XXXX, XXXX. Aside from the monthly payment reminder that I received via email on XXXX XXXX, I received no other notification that my standard amount had changed. I called on XXXX XXXX asking for clarification and was told that they had sent an email and a letter to me in XXXX. Having experienced other communication issues with Nelnet in the past, I keep organized records of all correspondence I receive from them and have no emails or letters matching what they described. They responded that the letter had been sent and that I must have lost it.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX is reporting me and im not able to open any bank account, and everytime that i call them or they tell me that if i want to be remove from their system i have to pay a several amount of money : example like XXXX and i have no reason to paid that amount and neither be on their system cuz i dont owe any money to any bank

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 10/19/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (DE).
Issue: Unauthorized transactions/trans. issues

Complaint: I have been with Rushcard for over 4 years. As of late, they have held my money for over a week and refuse to give me a time frame on when my money will be released. I am a full time college student and have daily expenses that I can not take care of now because they refuse to release my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-05-2016 about Consumer Loan (Installment loan) with loanDepot.com, LLC (AL).
Issue: Managing the loan or lease

Complaint: On XXXX/XXXX/XXXX, I sent a payoff to Loan Depot in the amount of {$34000.00} for a loan balance of # {$33000.00}. Due to untimely payment processing I ordered a stop pay on XXXX/XXXX/XXXX. At that time my bank issued another check to loan depot in the amount of {$34000.00}. Again due to untimely payment processing I ordered a stop payment on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I called Loan Depot to payoff the loan via ACH over the phone. At that time Loan Depot was unable to accept my payment because the prior XXXX checks were not returned. Loan depot stated that they would honor my XXXX/XXXX/XXXX payoff as soon as their system allowed for an ACH payment. Loan Depot 's system updated on XXXX/XXXX/XXXX to allow for me to make an ACH payment. When I called to pay, I was told that my payoff is as of XXXX/XXXX/XXXX, not XXXX/XXXX/XXXX. I was told by the customer service representative that it was my fault their system would not allow them to accept my payoff on XXXX because of the stop pays, therefore, I was being charged an additional 20 days of interest.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Using a debit or ATM card

Complaint: On XX/XX/2016 I was charged {$280.00} by XXXX. On XX/XX/2016, I was also charged an additional {$340.00} by XXXX. Upon check out, The hotel gave me a receipt that shows these two amount would be refunded to my debit card ending in XXXX. But I never received that refund. Wells Fargo sent me a letter saying they messed up their investigation and that the credit of {$630.00} was permanent. But then 2 weeks later took back the money and refuse to give it back. I called the hotel and the hotel manager said they refunded me that money the same day I checked out and that the bank had made some kind of error. The bank does not want to refund me my money even though I have provided them with proof after proof.

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 04-06-2016 about Credit card () with SYNCHRONY FINANCIAL (UT).
Issue: Bankruptcy

Complaint: I filed a chapter XXXX bankruptcy and it was discharged in 2010. Syncb/Care Credit was included in that bankruptcy and they are still continuing to update and report damaging my credit. By law they can not continue to report and damage someones credit after a discharged bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On a visit to a nightclub in XXXX, XXXX several unauthorized charges totalling over {$9000.00} USD were incurred on my credit card - I also lost the card that night and reported it as lost to Capital One the following morning. 

I initially filed a fraud claim for the unauthorized charges, but that was declined because as I was physically at the club for part of the night - they then transferred this to the dispute department and that was also declined as the merchant claimed the actual receipt copies I provided were not from their establishment, but those are the only receipts the merchant provided to me and these are the charges I was expecting to pay for. 

The interesting thing is the timestamp of the receipts I provided are around the same time the other fraudulent charges were incurred so do n't understand how I could be in XXXX places at once. 

Additionally, I did some internet research and found out that this merchant has been involved in several other credit card fraud complaints - I also provided this information to Capital One, but that was not taken into consideration. 

One of the fraudulent charges is for {$5000.00} and another is for {$2500.00} - these are quite huge amounts and yet I did not receive any alert or phone call from Capital One to indicate a possible fraudulent transaction or get confirmation on whether I approve the charges .... However, I was in a bad part of XXXX once and made a {$35.00} purchase and that triggered a call about a possible fraudulent charge. 

I have not made any payments for any of the amounts claimed by this merchant and I have stopped using this credit card - please let me know what options are available as this is grossly unfair and seems Capital One does not care about my side, but I do feel they should bear some responsibility for not alerting me before authorizing such huge charges, especially in a foreign country.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent a letter XXXX XXXX, 2016 asking for an investigation into what I believe are mistakes on my credit report things I do not recall or recognize. It has been 2 months and they have not responded to me. I read on the Internet that they were supposed to answer in 30 days, so now I am very upset.

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 05-09-2017 about Debt collection (Other debt) with EOS Holdings, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Contacted company to provide a valid contract that I had business with them company refused. I did not have an account with this company and would like for it to be removed from my credit report. Contacted bureau and they did not provide any valid documentation that this account belongs to me as well. This is hindering me from getting services in my home. This company has provided a bill ledger but not a valid contract with my signature stating that I was doing business with them or their company.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Debt collection (I do not know) with Convergent Resources, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from XXXX XXXX, XXXX on or around XX/XX/XXXX. They letter said I owed their client, XXXX, for some sort of service or product. I sent a debt validation letter to Convergent via USPS certified return receipt on XX/XX/XXXX requesting that they validate the debt. They received my letter on XX/XX/XXXX @ XXXX XXXX. I specifically asked that they provide the following : -Proof that they purchased or was assigned the debt by XXXX XXXXCopy of a signed contract proving that this is my debt -Complete billing ledger that outlines how the alledged debt was incurred with dates. 
On XX/XX/XXXX, I received a letter from Convergent stating that they have validated said debt and had attached a copy of an invoice that appears to be from XXXX dated XX/XX/XXXX. 
Convergent has failed to properly validate said debt. What's more troubling is after I looked at what appears to be a XXXX invoice sent by XXXX, I noticed the date. Statute of limitations in Georgia is 6 years. Is Convergent illegally attempting to collect on debts that are past the statute? Are they providing false documentation with the intent to collect money from innocent people who don't owe the debt? How many people have they done this to?

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 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (IN).
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: This is the fourth complaint against my bank on a VA loan, mortgage which payments started being made  XXXX XXXX. This is my fourth complaint against XXXX/Nationstar in failing to report all of my mortgage payments that I have made to them. In which, I have copies of all cashed checks, payments being made on my VA mortgage loan. Once again, I have gotten no resolution regarding errors that need to be fixed by my mortgage loan holder, XXXX/Nationstar. Each time I am directed to someone in their home office, I am told they are only going by the file that is sent to them. A bull's-eye report, in which, they believe the information being submitted to the credit bureaus is correct. As you can see, from XXXX XXXX latest facts and findings. XXXX/Nationstar, once again, is not reporting my payments being made as I have since XXXX XXXX. I have been brushed off, not taken seriously and continuing to not see my payments, ALL payments that have been made on my VA mortgage loan submitted to the appropriate credit bureaus. Each time, I call XXXX/Nationstar, they tell me what they see on their end is all payments being submitted to the credit bureaus, even during the forbearance plan, in a timely manner. However, I have made over several calls to all three credit bureaus. In which, as you can see, XXXX/Nationstar is not reporting nor showing all of my payments that have been made on my VA mortgage loan. I will continue filing complaints, even going in another legal direction, until this issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: transunion removed a XXXX account and placed it back on my credit report without notifying me within 5 days of reinsertion which is clearly violation of the FCRA. i disputed a XXXX account that was showing up on my credit report. after disputing it with transunion in the file that maintain under my social security number. I was informed on XX/XX/XXXX that it was deleted from my credit report and now on XX/XX/XXXX I checked my credit report and noticed that the item has been reinserted on my credit report. I 'm accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or ; if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. Also I filed a complaint with convergent and I was informed that this account was being removed from my credit report they even uploaded supporting documents that they put the request for removal but transunion somehow refused to remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with RJM ACQUISITION LLC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: We have been making payments for a debt to a company called RJM Acquisitions. Today we received a call from XXXX XXXX, another debt collection agency, claiming they are the actual owners of the debt and that they are suing my husband for nonpayment. We now have to figure out who actually owns this debt and how we recover the fact that we have already paid a debt to a possible scam artist- all while being sued for this very old debt.

Company response to consumer: Untimely response