milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2018 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I paid Bank of America {$34.00} in XX/XX/XXXX to put a permanent stop on a payday loan company, ( I made sure to clarify that there was NO WAY after I paid for a stop, that this company could take any funds from my account ), then in XX/XX/XXXX, ( 5 months later ) the bank allowed a charge for {$300.00} from the loan company to pass through my account, overdrawing my account. I called Bank of America immediately, ( while the charge was still processing ), their representative assured me that indeed the stop I had paid for was active AND COULD NOT BE REMOVED without my formal consent. She said the charge would NOT go through, and it would drop off, she made it very clear that Bank of America would not pay the charge that was processing, and that I need not worry. The next day the charge processed all the way through to PAID. I call back, Bank of America transferred me to their claims department where the representative informed me that an error had been made clear back in XXXX. She said the original representative who put the stop on the payday loan company had neglected to place the stop on both the debit card as well as the ACH. At that time I was again assured that I had paid for the stop to be put on the payday loan company, so I had nothing to worry about. She started a claim, and put a credit into my account to replace the money that was taken from me without my authorization. I thought this was a really bad experience, but people do make mistakes, so I was just glad it was resolved. Then in XX/XX/XXXX I received a letter in the mail stating that the credit they issued would be reversed and that I would have to pay {$300.00} that the bank mistakenly paid to the payday loan company. When I called claims back they ask me if I authorized the loan company to debit my account. I said no and I paid to put a stop 5months ago. And, then they wanted to know if I informed the payday loan company. I said yes, I had informed them. The representative said, o.k. I will tell the investigator assigned to the claim. Then a couple of days later the bank charged my account {$300.00}. I guess Bank of America does not take responsibility for its employees errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/28/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (KY).
Issue: Settlement process and costs

Complaint: Although we initially applied for a home loan modification with h Bank of America over two years ago, we have never closed. They continue to jack us around. Do we have any recourse?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with GMA Investments, LLC (VA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Ask my employer 's receptionist where to send garnishment paperwork. Faxed employer for requesting my personal information. Called me at work when I told them to call at home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Bank account or service (Checking account) with FIRST CITIZENS BANCSHARES, INC. (NC).
Issue: Problems caused by my funds being low

Complaint: Despite never, during my 9 years as a customer, being opted in for overdraft services on my checking account, First Citizens Bank explicitly applied XXXX overdraft charges to my checking account on XXXX/XXXX/16 totaling {$72.00}. This was apparently due to a trio of non-reoccurring purchases made over the two previous days using my debt card, totaling approximately {$13.00}. I contacted customer service to see if the problem could be resolved, but they declined to waive the fees. According to their own Basic Overdraft Service Disclosure, they had no choice but to decline the purchases, knowing I 'm not opted in, but they did n't.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have a unauthorized and fraudulent XXXX credit account listed on my Trans Union, XXXX and XXXX credit report that do n't belong to me. The following credit card account is fraudulent : 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 11-12-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have a credit card on my report that I NEVER opened. I have disputed it several times, and Best Buy continues to update as it belonging to me. I will not pay for a cc that I did n't know existed, that I did not open and that I did not benefit from. what else can be done to take this off? I believe it is a result of identity theft or someone opening up this account without my knowledge. I do n't even have this card in my possession, to know that account number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have multiple accounts on my credit file that Equifax refuses to remove, even though I have proof that from the companies that they have sent letters stating to remove from my credit file, which I will upload below, and Equifax has not done so. 

XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1400.00} These XXXX XXXX accounts appear on my credit file twice, I have a letter stating that the first XXXX XXXX account is a closed version of the second, and the second letter states that the second account must be removed, so the first account must also be removed because it is a version of the second account. 

XXXX Bank XXXX {$6200.00} XXXX XXXX XXXX XXXX {$1500.00} The XXXX XXXX XXXX XXXX {$170.00} These accounts must be removed and Equifax is in violation of the law because they have refused to remove them even though the companies have given the OKAY to have them removed from my credit file. I have also added my ID, SSN, and proof of address for processing. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified, invalid accounts must be removed.

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 11-04-2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: DEBT WAS SOLD AND COLLECTION agency SETTLED DEBT AND NOW MACY 'S NOT REMOVING DEBT AND STATING THEY HAVE NO INTEREST IN ACCOUNT, BUT STILL NOT REMOVING AND OR NOT TALKING TO ME. DEBT ALSO WAS LIST AS IDENTITY THIEFT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with MERCEDES BENZ FINANCIAL SERVICES (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Mercedes Benz Financial Services did not place the credit/debt on my credit report as a co-signer when account was opened XX/XX/XXXX16 and paid off on XXXX/XXXX/16. They finanlly did put it on my credit and it is still incorrect after 11months of me complaining to various agencies and the IL attorney General is currently involved XXXX & XXXX on XXXX XXXX, 2016. From MBFS actions deprived me of building my credit as well as violating various FACTACT and fair lending policies. MBFS stated in a letter dated XXXX XXXX, 2016 that they are not legally obligated to report on me a co-signer and it was a business decision NOT TO place this on my credit but did in XXXX 2016. All this time of NOT putting it on me. This financed instution from day one for that personal decision in which they mention done unfair and deceptive business practices to me and the Primary ( Master Sergeant, XXXX XXXX ) on this Paid in Full account with them. To this day the information is still incorrect where they inflicted harm and well as negative and financial loss that we both endured. They need to be trying to settle with us for their wrongful and discriminatory actions. They on MSG. XXXX have unknown for XXXX and have incorrect dates and dollar amount. And for me co-signer they did not report XXXX, XXXX payments that was paid on time and for XXXX they have the same thing on me an X for unknown where they did NOT call in at all and report these payments. And after asking for XXXX extentions by their attorney is when their attorney convinced them to correct my credit report and then mishandled and abused my financial and personal information to IL Attorney General by NOT covering my social or crossing out so that my entire social is n't revealed to all who handles that case. and that was done intentionally as well. attachment XXXX is MSG. XXXX report. We have asked them over 5 times to correct our credit reports and they caused us to be financed at a high interest rate after paying them off because they did n't correct nor provide the accurate information throughout paying them with this account is the harm and financial loss that they provided to us. Where this new finance company got a old glimsp and negative review and rating from them by not reflect the TRUE picture harmed us tremendously. In addition to them not reporting on us being retalitory cause both of our credit scores to drop from XXXX. This is n't right! Mercedes Benz Financial Services knew from the very beginning that I the co-signer would be the XXXX paying all these car payments.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Bank account or service (Other bank product/service) with WASHINGTON FEDERAL, NATIONAL ASSOCIATION ().
Issue: Making/receiving payments, sending money

Complaint: My American bank, Washington Federal, has recently changed its policy regarding electronic transfer of funds to a non-US bank. For years, I have been able to make such transfers to a Danish account in XXXX, which I did most recently barely three months ago ( XXXX 2016 ). But on my latest transfer ( yesterday ), I was forced to have the funds sent as XXXX, with Washington Federal ( WF ) making the conversion. This is apparently a new policy. The XXXX bank 's conversion rate has always been more favorable to me than WF 's rate, and in this particular case, the fact that I was forced to have WF make the conversion cost me a full 3 % of the total amount of the transfer.

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 04/19/2016 about Debt collection (I do not know) with Bronstein & Weiss Arbitration (NM).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Received pre-recorded call at XXXX personal and work phones from XXXX stating that they would be freezing my bank account in the next XXXX hours. No specifics provided regarding source of alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (NC).
Issue: Managing the loan or lease

Complaint: I had this car payment and was never late for XXXX years. In year XXXX I ran into hardship and moved to a different state due to a domestic voilance situation. After being back the car was repossessed. I was able to borrow money to get the van back. Mean time I was diagnosed with XXXX and been going through XXXX and XXXX treatments and been doing my best to pay the payments. There were times I would call the institution and was not able to reach anyone after calling cause being on hold for hours, or even not able to get a ring tone. So it was not let even through all that has been going on with my health hat I did not try. Even on my lowest my sister had called for me in early XX/XX/XXXX this year to try and get some information so that I could get help and they told her they could not give her any information. She just wanted to know how much more was owed on the van. That 's not personal information and should of been released to her due to if a car dealer would of called they would of told them and I would n't of had to be there. On the XX/XX/XXXX I was able to get someone on the phone and ask if there was anyway due to the fact that of in XX/XX/2017 the van would be at the be of the loan they could please work with me and that I was finished my XXXX and getting back on my feet with everything that has happened. I was told if I could come up with {$300.00} they would n't take the van. She did n't know when they were coming to get the van. Well later that night the van was taken. I was able to borrow more money they demanded in order to get the van back, went to the payment location, even though there was some miscommunication they could clearly see the payment was made it took one day after for everything was able to get situated. I get a phone call that I can go and get my van. When I call the to get the address so that I could go pick it up. I was told the van was on it 's way to the auction. The payment was made now I '' getting the run a round. I feel like I 'm a victim of a predictor lender that no matter what my rate will keep going up and no matter how hard I would try I will never be able to pay this van off. I already paid this car XXXX over I believe.

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 03-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: SLS and the foreclosure trustee is illegally foreclosing on the my property and I have an approved short sale file that SLS granted and now they have a sale date for XXXX XXXX, 2016. 
Re : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX You as a trustee have committed a violation under HBOR along with SLS Mortgage under the " dual tracking '' law considering the APPROVED Short Sale that is currently active and in process. A separate complaint was file with the State Bar of California against the attorney office for conspiring to conduct this illegally foreclosure sale.

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 01-02-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is currently reporting voluntarily dismissed chapter XXXX bankruptcies # XXXX, XXXX and XXXX in my credit file. Equifax responded to my complaint filed and stated that " The FCRA allows bankruptcy information may appear on a consumer 's personal credit report ''. And " The bankruptcy dismissed/withdrawn status will remain on your report for 10 years from the filing date. " The is a vague, fabricated statement which is not accurate and complete. There is not any clear language in the statue that states an voluntarily dismissed chapter XXXX bankruptcy should be included in an consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (CA).
Issue: Making/receiving payments, sending money

Complaint: CFPB COMPLAINT # : XXXX US Bank Mortgage my name is XXXX XXXX and ref. to the said above complaint # I have called and talked to a CFPB representative named XXXX on XXXX/XXXX/2016 to help me resolve the issue with US Bank, she has told me she will mail me documents that were received from US Bank, but as of today XXXX/XXXX/2016 I have not received them. Please do not close my case yet because I need to know which month in which year US Bank is claiming that did not received mortgage payment on my property? so I can prove US Bank with a copy of the cashier check that was issued, received and stamped by US Bank on that month. I called US Bank but unfortunately no respond, applied for a loan modification but again no respond yet. Please review this case and help me to get requested documents from US Bank on mortgage of my property at XXXX XXXX XXXX, XXXX, Ca XXXX My phone # ( XXXX ) XXXX Regards, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MO).
Issue: Trouble during payment process

Complaint: My loan with Carrington Mortgage Services was originated on XX/XX/XXXX - until the month of XX/XX/XXXX, I have always made my payment online with XXXX surcharges added to my monthly payment. As of XX/XX/XXXX - Carrington Mortgage is now requiring an additional {$5.00} convenience charge in order to pay my mortgage online. Additionally, if I were to make my payment over the phone I would be charged over {$20.00} to make the payment. I do not have checks to make this payment via mail, and I should not have to incur the cost of postage for a task that was previously free, and one that I did not previously agree to.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Bureau Collection Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I filed a complaint against XXXX disputing this bill with what I was told at the time was the correct agency to do so. I do not owe this debt to XXXX, so I should not be receiving notification from any third parties requesting payment for same ...

Company response to consumer: Closed
Consumer complaint received 08-01-2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (MN).
Issue: Loan servicing, payments, escrow account

Complaint: I tried to make a payment on-line and got an error message. I called and was on hold for over 16 minutes. When the representative answered, she refused to assist me stating that I was not an authorized third party on the account. I explained that I was authorized as I was on the Deed, techinally and legally, that makes me authorized. She then proceeded to put me on hold again, and transferred me to another representative who could not help me the issue of making a payment and again stated that I was not authorized on the account. I am and you are in the wrong by refusing to note the account as such. I asked to speak to your legal department and was not allowed so I then stated that I would be filing a complaint and your representative did not care. She said she had done her job. I beg to differ. I suggest you check your answers and legality of them and authorize me o the account. Your previous representative did after I say on hold for twenty minutes, is this what I should expect each time I call in?

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 03-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (WA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: After 2 years of using the credit card, US Bank closed my card without explanation. XXXX XXXX. requested additional information ( social security card, driver license, business license ) which he received but on XX/XX/2018 my account was closed without explanation about what additional information is needed. The account was closed because " bank doesn't feel like 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 06-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AR).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I have tried calling the company to get this resolved but have been unsuccessful. I went to get a loan and this credit card that I have no knowledge of was on my report as a negative issue subsequently I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The accounts that are in question are ( XXXX XXXX XXXX ) XXXX XXXX ( XXXX ), these accouts were closed and were charged off as XXXX/XXXX/2009 and the staute of reporting these negitive accounts has expired but they remain on my report. 
I have asked that these accounts be removed.

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