milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/26/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I went out in XXXX XXXX ( XXXX XXXX ), California on the night of Saturday, XX/XX/XXXX beginning around XXXX PDT and stayed out until approximately XXXX PDT when the area closed ( please note this means my night technically ended on Sunday, XX/XX/XXXX ). The last charge I made that night was at XX/XX/XXXX at XX/XX/XXXX for {$44.00} - but after leaving the bar I noticed my phone and wallet were missing from my pockets. My best guess is as the venue was crowded with many people close to each other that I was pick-pocketed. I walked home ( I live nearby ) and immediately messaged my friends. First thing the following morning ( still Sunday, XX/XX/XXXX ) I went to XXXX XXXX XXXX when they opened. I called my dad from the store phone to ask him to block my stolen cards, then I spoke with a customer representative to buy a new phone because I had received an alert that XXXX XXXX XXXX had been disabled ( screenshot attached ) - so I knew it was taken as they blocked me from finding it. Once I had my new phone I immediately called Bank of America to report everything and let them know of the fraudulent activity. We went through each transaction and I noted when the fraudulent transactions began - first with a {$500.00} cash withdrawal in XXXX XXXX and then another {$300.00} cash withdrawal in the same area. There were also internal transfers made - specifically the majority of my savings account was moved to my checking account. There was then a fraudulent charge made at XXXX 's for {$1000.00}. The customer rep at BOA noted this and opened two claims. Within a few days I was granted a temporary credit for one of the claims and {$1000.00} was stored into my account. ***Please note I also made a report with the XXXX XXXX Sheriff 's department and provided this information to BOA*** Today, Saturday, XX/XX/XXXX I  received an email from BOA that they will NOT be reimbursing me for my losses and they concluded the fraudulent charges " were not made in error '' as stated in the attached letters. Also stated is the temporary credit of {$1000.00} will be reversed from my account on Monday, XX/XX/XXXX. I immediately called to challenge this decision but I was informed the department is not open until Monday. 
Please let me know if there is any more information I can provide and I will gladly do so. Thank you for your help.

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 03-09-2016 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been trying to clean my credit report up. I have XXXX things on my report that are over 7 yrs old and experian deleted the main XXXX. On my report DHS CS has put my child support on XXXX. I disputed it and it should be removed because its over XXXX yrs old. But they allowed XXXX to change the date and make it a XXXX date open which makes no sense. I also found out by National collections that in XXXXthat they notified all XXXX major credit agencies that fines and arrest warrants were to be taken off. They are still on there and there 's more that that. XXXX is now adding inquiries on my report from XXXX. An investigation by your office should be done by ur office. Also, on my reports is a school loan from XXXX and that is over 7 yrs old and should be removed as well. When I asked the lady at XXXX if they verified information put on the report her answer was " we have no way of knowing if the information is valid or not. '' I have XXXX items knocked off and XXXX more ready to be knocked of and XXXX, XXXX reports that should be. Now they are adding inquiries that were not on there before? There are also many inquiries not initiated approved by me and they refuse to take them off. Please investigate my credit with all XXXX major credit agencies.

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 07/15/2017 about Debt collection (Auto debt) with Cohn, Goldberg & Deutsch, LLC (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: My car was repoed on  XXXX /2017. I received notices of the car auction date and time and what I need to do if I wanted to keep my car. on  XXXX / XXXX /2017 I received a letter from Cohn , Goldberg & Deutsch collection agency on behalf of  XXXX . It stated I had 30 days to dispute the validity of this debt or any portion thereof, and I did just that. The first certified letter I sent was to confirm that debt belonged to me  XXXX / XXXX /17 I then received the initial contract from   XXXX   XXXX   XXXX   that I signed. I then sent another certified letter on  XXXX / XXXX /2017 requesting Under the laws of the State of ( Maryland ) UCC ( 1-103, MD COML ) and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.I requested copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.
If no such proof is provided within 14 days of receipt of this notice, the alleged claim of a deficiency will be considered and null avoid.I received a phone call from   XXXX   XXXX   stating that they received my letters and that they notified  XXXX  for an update but to their understanding, the car had n't been sold. The third certified letter I sent was on  XXXX / XXXX /17 notifying them that they failed to verify my request within the 30 days and by law, they have to remove this account from my credit report. I then received a letter from   XXXX   on  XXXX / XXXX /17 of a {$8300.00} deficiency balance and another letter from Cohn , Goldberg & Deutsch , LLC on  XXXX / XXXX /17 saying I have a deficiency balance of {$16000.00}. I followed all the proper procedures and kept a paper trail of the communication line on behalf  .

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, 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 04/21/2016 about Consumer Loan (Installment loan) with ACE CASH EXPRESS, INC. (WI).
Issue: Taking out the loan or lease

Complaint: Got an email from " Ace Cash Express '' with a telephone number in Texas. Said I was approved for XXXX-XXXX with payments of XXXX/month for 36 months on XXXX. I have to retain an attorney which is why I wanted the amount. They told me that due to a low credit score, I needed to send XXXX via an apple ITunes gift card. As I need this loan I did. Then I hade to pay a {$240.00} application fee. Then another {$230.00} for " state of TX tax ''. Now they claim I bought the wrong card so they wo n't release my loan. I 'm out {$670.00}! Called from XXXX email is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This complain concerns that XXXX has reported a failed to pay status on my credit report in reference to my previous lease ( XXXX XXXX XXXX account # XXXX ). the agreement per new lease being obtained ( XXXX XXXX XXXX account # XXXX ) was that three payments were going to be made by XXXX XXXX XXXX dealership itself and the last two payments being taken care of by the loyalty program. In result, that would of taken care of the five final payment obligation on previous lease. The final two payments through the loyalty program were not received by XXXX as agreed upon then when the new lease took place. I have been to the dealership a few times, I have wasted more than 3 hours of unnecessary time waiting to speak to the manager. I have always been told that the manager ( XXXX ) would see me and that I had to wait. Long after waiting and getting upset with the staff, I was told that the manager would not be present that day. Attempted to make a few direct appointment to see the manager ( XXXX ) and every time he was never present for our appointment. 
i have called XXXX directly to resolve this issue without any success. Upon the last clarification from XXXX XXXX XXXX 's financial supervisor due to my fathers bankruptcy the loyalty program will not take effect even though i was not in any way involved with his bankruptcy. The sales & leasing consultant XXXX XXXX knew of my fathers bankruptcy during the transaction and i was informed by him that this would not be an issue or problem to make all the payments needed in order to close the old lease account # XXXX and preceded in selling me the new lease ( account # XXXX ). I am very frustrated with the financial hardship and credit damage. As this has lowered my credit from a XXXX to a XXXX and now showing my status as a delinquent. This has complicated my financial aid and other financial issues. a failed to pay status on the old lease from XXXX has been posted in my credit history. All of this unnecessary work, time, headache and worrying was unnecessary had the staff followed all necessary steps finding the discovery of my fathers bankruptcy status. This should have never taken place as to the employees have all the resources they need at their fingertips.

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 07-10-2017 about Mortgage (Conventional home mortgage) with BANCO POPULAR DE PUERTO RICO (UT).
Issue: Trouble during payment process

Complaint: We have a mortgage on a second home in  XXXX   XXXX  financed by  Banco Popular.   All of our origination documents were produced in both  XXXX  ( our language  )  and  XXXX . However, the servicing documents are generally sent to us in  XXXX . We have complained already and they agreed to send us only   XXXX   documents, but we are still receiving important important documents, such as a forced-placed insurance document from what we can tell, in  XXXX  only.   XXXX  On a related note, the forced-placed insurance document tells us nothing about the cost of the forced-placed insurance they are threatening to purchase for us, which is unfair.

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 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a credit card with capital one. I couldnt pay it so it got charged off. On XX/XX/2018, I called and settled the account. I have asked them why they are reporting a balance on the charged off account since it was settled. I was told by the gentleman on the phone that it was going to reflect a XXXX balance due to it being settled. I have called them again in mid XXXX and they keep giving me the Run around saying that there is nothing they can do. 

Please help me resolve this issue. I in good faith settled with them because I know i couldnt pay the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Credit reporting () with Credit Karma, Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Quite a few year 's ago I had helped out a friend and put her cell phone in my name, which was a huge mistake. I found out a few year 's ago when I went to go purchase a cell phone of my own that I could not purchase it because someone had been using my information. I knew it was not me because I had no cell phone at this point. I now I see on my credit report information of an address that is not mine and I am terrified that someone is using my information.PLEASE help.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On my credit report there is an account that is listed as in " open collections ''. The account is held by XXXX, a collection agency, on behalf of XXXX XXXX University and the amount is {$1500.00}. This account has been paid in full since late XXXX 2014 or early XXXX 2014. I paid XXXX directly and they assured me that this account would be accurately reflected 30-90 days after I had paid this account, again this was late XXXX or early XXXX of 2014. I do not feel that this account being shown as in " open collection '' is in anyway appropriate. 

I have attached screen shots of the involved accounts from XXXX XXXX University, as reported from XXXX, that show the account is paid in full. I have also attached a PDF of my entire student loan history from XXXX as well. 

I would be happy to furnish any other information that is deemed needed for the investigation of this complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Payday loan () with Mobiloans, LLC (FL).
Issue: Charged fees or interest I didn't expect

Complaint: Mobiloan should not be allowed to conduct business in the United States. This company is a Predatory Payday Loan business where the consumer is charged over 150 % on a loan. For example, one borrows {$1500.00} and is charged an upfront fee of {$150.00} to do so and given XXXX weeks to pay in full prior to incurring an astronomical " fixed '' daily finance charges. Even though the company 's representatives ( XXXX, ext. XXXX, among others ) state that it 's a daily fixed rate they never give direct amounts. I have heard about predatory lenders like Mobiloans and tried it for myself and can not believe that the Consumer Financial Protection Bureau lets them get away with " ripping off '' consumers who need short term financial assistance. This is disgraceful and I hope that CFPB is not just a Government Agency to ignore this predatory behavior and will get to the bottom of this on behalf of consumers having financial difficulties and do not take the time to read the fine print. Mobiloans can make a profit but not over 150 % to the consumer. Mobiloans , LLC with a physical address of XXXX, LA XXXX.

Company response to consumer: Untimely response
Consumer complaint received 07/30/2015 about Credit card () with BARCLAYS BANK DELAWARE (AZ).
Issue: Billing disputes

Complaint: I made a downpayment on a car for my daughter over the phone for {$1100.00}. I faxed the credit card number to the merchantd asking that it be put on my card. The credit card company put it thru as a cash advance and charged me {$50.00} fee plus {$17.00} in interest. I contacted them and told them that I did not authorize it as a cash advance. I have plenty of cash and would never take out a cash advance for anything!. They said that the merchant put it thru as a cash advance and that they could not reverse the fees. I told them this was an unauthorized charge and that I would not pay the fee and that they could close my account. They refused to credit me the unauthorized amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Consumer Loan (Vehicle loan) with DriveTime (NC).
Issue: Problems when you are unable to pay

Complaint: Drive Time is harassing me by phone. I have received XXXX phone calls in 30 days, from XXXX different numbers in NC, AZ, and GA. I have blocked the number in GA but they continue to call me daily. I have notified Drive Time that this number is blocked. 

When I do n't answer the GA phone number, they then call me from AZ or NC, or both. I have asked Drive Time to stop calling me daily. I have asked Drive Time not to contact me more than once per week, but they continue to call me daily. Yesterday I spoke to a Drive Time customer service agent at XXXX and they called me again at XXXX to discuss the same issue. Again, I asked them to stop calling me and the agent claimed they did not call me more than once, which is a LIE. 

I have asked Drive Time twice this week to stop calling me so often but they continue to call me daily. I also have cosigned on a loan for my sister who lives with me. They call her and when she does n't answer they then call me. Literally her phone rings, then my phone rings. They do n't leave her a message but will leave one on my phone. 

I have received nasty messages from several agents at the GA office and when I return their calls I am told they are out of the office or they are not working until later in the day, even though they just called a few minutes before and left a message. XXXX, XXXX, XXXX, XXXX ( or XXXX ), XXXX, XXXX are constantly calling me and leaving messages saying that it is urgent they speak to me immediately. When I do n't return their phone calls they then send me emails. 

I have received XXXX phone calls in 30 days. I have complained several times about rude agents and rude voice mails. I have complained about the number of phone calls. I have told Drive Time their amount of contact is harassing, and disruptive. I have asked Drive Time to stop contacting me daily, but the phone calls and emails continue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (MN).
Issue: Unauthorized transactions or other transaction problem

Complaint: PayPal on black Friday XXXX Thursday the XXXX of 2017 hitting XXXX search term t 75inch pop up a company marketing for place called XXXX XXXX after hitting pay realizing this company was I fraud I put in a dispute with PayPal immediately within a few minutes stating wanted cancel transaction error not trusting company. The company never responds with email confirmation or delivery like normal company. PayPal sends letter by email stating unauthorized transaction denied but in email state will help if never receive product. So tried to open case they said not allowed going against email and not honor fourteen on product deliver. At this time no word from seller and PayPal said with never refund money not there problem never received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have previously attempted to dispute several inquiries that are a result of true name identity theft, on multiple disputes I have provided a copy of the police report and TransUnion says this police report ca n't be accepted as it 's not " Real ''? This police report is directly from  XXXX  Police records and can be called in to verify that this is a fully accurate police report.
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The disputed inquiries are :   XXXX   XXXX   ;  XX/XX/XXXX    XXXX   XXXX   XXXX   ;  XX/XX/XXXX   XXXX   ;   XX/XX/XXXX   XXXX  ;  XX/XX/XXXX  XXXX  ;  XX/XX/XXXX    XXXX   XXXX    ;   XX/XX/XXXX   XXXX  ;  XX/XX/XXXX   XXXX   XXXX   ;  XX/XX/XXXX    XXXX    ;  XX/XX/XXXX   XXXX   ;   XX/XX/XXXX   XXXX   XXXX   XXXX   ;  XX/XX/XXXX   XXXX  ;  XX/XX/XXXX   XXXX   ;   XX/XX/XXXX   XXXX  XX/XX/XXXX  All these inquiries are a result of True Name Identity Theft, they are not my inquiries. I have attempted to send letters the listed companies, some replied needing additional information, I refuse to give them my social as I am a victim of identity theft and I am very cautious and careful of who gets my social. Some of the companies were not even able to find anything as to why the inquiry was run.
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Furthermore these inquiries are affecting my 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 03/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I am trying to get a loan modification threw SLS loan services. And I am having nothing but trouble, they have included taxes that I have paid into my escrow account. I have sent in receipts showing these taxes paid and no one does anything exept threathen me with foreclosure. I am behind stressed out and I honestly do not what to 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