milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Delinquent account

Complaint: I had a business credit card account with Bank of America. The payment was late. They took money out of my personal checking account without my authorization. When I called Bank of America they refused to investigate the charge. If they had a judgement I can see how taking money out of my account would be fine, but they do n't. My personal checking account is not linked to the business account ( for a reason ) and there was n't enough in the business account for them to siphen money from, so they took it out of a personal account instead. When I called to dispute the charge I was told that I 'd have to dispute it with the credit card department. If it had been any other creditor I would be allowed to dispute it with my bank for an unauthorized charge ( listed as a debit card purchase ). The representative said that the checking account was linked to the business credit card which is completely false, but still I did not authorize that charge. There is no judgement that would give them access to my account. If I were having this dispute with any other credit card company they could n't just take money out of my account without my permission or a judgment and the judgment would be against the business as again this is not a personal account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Bank account or service (Checking account) with M&T BANK CORPORATION (NY).
Issue: Deposits and withdrawals

Complaint: M and T Bank checking account frozen under no goverment agency orders but accepting deposits not withdrawls.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XX/XX/XXXX, I submitted my tax documents from the year before, to my loan holder, MyFedLoans. In XX/XX/XXXX, I received a notice that I was no longer on the income-based repayment plan because I did not submit my tax documents. When I called to argue that I had submitted them, I was told that I submitted them with a different form, for the Public Service Loan Forgiveness program, so they were not used for updating my IBR plan and I would have to re-submit the same tax info again. It would also take 2-3 months to be processed during which time I could either pay the amount of more than six times my IBR plan or go on forbearance. Obviously I could not afford that, so I went on forbearance. XXXX months later, I was notified that my application had been denied because I had not marked that I was on forbearance. When I went to reapply, there was nowhere to mark that I was on forbearance so I called the loan provider who told me that I had incorrectly marked that I was applying to get onto an IBR plan, when in fact I was still on the IBR plan. Of course, I argued that I was not as I had been receiving bills for an amount that was well above my income and was told that that was because my plan had expired, but I was still on it. I reapplied again and the representative suggested that I not continue my forbearance but rather wait to make a payment until my application was approved because they do not report delinquent payments for 90 days. I suggested that did not make me comfortable and am still waiting to be reapproved and put back on the IBR plan, that I am apparently still on, even though my bills show otherwise. I should also add that every piece of documentation I receive from the lender states that I either was or was not approved on the following loans and then lists several pages of words, through which I must hunt to figure out what this piece of paper actually says. I have completed graduate school with the highest degree offered in my field and worked for several years as a paralegal and still struggle to understand communications and my role in this relationship. I try very hard to be on top of my finances and pay my bills but this is impossible!

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (KY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Requested validation and verification nothing received

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Credit card () with SYNCHRONY FINANCIAL (WI).
Issue: Billing statement

Complaint: This credit card changed hands and interest rates hit to 29.99 %. They are calling themselves a bank now as well. There seems to be another question and I do not know where that questions full problem is. But, can they call my cell phone? Can they call outside business hours? 

I am paying on this bill besides. It looks as though I am not late either. 

Again I see it if tax % are 3-4 % where to bank cards come out being this excessive? It seems to be a practice here in Wisconsin to change hands in business leaves no binding and or reasonable interest charges to it 's customers? Pass the buck around is for profit. What groups find this bad medicine OK to do? This group needs to recognize thier bad business practicing and take heavy fines for causing citizens to be failures. 

You can also see I have not used this card either since the date indicated too. So why make up figures to lighten the charges?

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/29/2017 about Mortgage (Conventional home mortgage) with FLAGSTAR BANK, FSB (CA).
Issue: Closing on a mortgage

Complaint: In XXXX I paid off an existing Flagstar Bank loan and refinances with Flagstar.  Through the process they collected 2 months worth of homeowners insurance which would have paid me until XXXX and set me up with an escrow account. My insurance renewal was in XXXX. For reasons that they are unable to fully explain, and seems as though they do not want to take any blame on their part, they made a payment to my insurance company that did not go through. They never once tried to contact me to let me know there was any issues knowing that this forced me to have a lapse in insurance. The comfort of having an escrow account is that you know your taxes and insurance are paid. I received a notice from my insurance company in late XXXX confirming I was no longer covered. When I contacted Flagstar, they told me that I was supposed to authorize the payment once it was attempted in XXXX and returned. I confirmed I was never contacted regarding an authorization and they repeatedly told me that had I authorized this, it would have been paid. They refused to confirm why I was not contacted. When I asked that they immediately release the funds they confirmed that their insurance department was closed and they could not confirm if I had enough funds. When I told the manager I had access to my online account and asked if that was the same amount he told me he did not have that information and refused to put me on hold to confirm with another representative. It was n't until I told him that I would personally file a complaint against him if he did n't even attempt that he put me on hold and within 2 minutes was able to confirm the amount was the same. Due to this failure, I have had no insurance for over a month. Whats worse is the lack of cooperation when this mistake was discovered. They refused to acknowledge it was their mistake, refused to ask for help on basic information, and also refused to release the funds tonight. They are making me wait XXXX hours which means I am still unprotected. I am writing because this is an abuse of power on their end and I would like an investigation into this matter as someone needs to be held accountable for this major mistake.

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 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Automobile Insurance Claims that were originally filed in error by an inexperienced Claims Adjuster, then withdrawn are not being removed from my C.L.U.E Auto Report by XXXX and LexisNexis. I have attached letters from XXXX stating that the claims will not be filed and are withdrawn. Therefore the minor damages reported by me to XXXX are for " reporting purposes only ''. XXXX has and will not expend revenue in any means whatsoever on these particular claims that are now " closed ''. As you know, this erroneous reporting by the aforementioned companies can seriously affect my renewal and/ or renewal rates. Initially, I filed a dispute with XXXX and after ordering my XXXX XXXX Auto report for a second time found that only one or two of the attached claims were indeed removed. I filed a dispute with LexisNexisXXXX XXXX, waited three weeks and received the same report with no changes. Immediately I called XXXX and the person who generated the letters told me I needed to contact the Service Department. I called the XXXX Service Department over the XXXX XXXX XXXX weekend and she told me she had no way to access the letters and she transferred me to the Claims Department. The lady in the Claims Department instructed me to contact the person who generated the letters because she could do nothing for me. I called the person ( XXXX XXXX ), who generated the letters of Claim Withdrawal and she stated that she would inform the Underwriting Department at XXXX to remove the remaining three claims. I checked my XXXX XXXX Auto report this morning and nothing has been done about this issue. Also, LexisNexis has a bad policy of reporting 'Possible Related Claims '' ( PRC ), on most XXXX XXXX XXXX XXXX by geographically matching someone 's Surname to other claims. I am a XXXX person over XXXX with a XXXX child in another state. I have spent the last six weeks trying to get my report corrected. In that time period LexisNexis has reported other claims on my XXXX . Auto Report of people I do n't even know. There is a lot of other people 's personal information on these claims that show up on another 's report. As a prior victim of Identity Theft I believe this practice is dangerous for any consumer. When they engage in this misleading business tactic they never inform or ask the actual person affected if these people are related to, or on their policy. Please help me to resolve these issues. You have helped me in the past and the CFPB does great work. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: For 5 years Experian has refused to allow me my annual credit report by any method including online or by phone. They notify me of changes to my credit file ( for instance I recently moved ), however when I call the provided number to get an updated report they say they can not provide me with XXXX with the information I have provided. For 5 years I 've been told this ... & I can not come to resolution with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Settlement process and costs

Complaint: Wells Fargo Home Loans Bui\lder Division is using illegal tactics to build their business within XXXX XXXX XXXX . They are doing this by partnering with an ESCROW service provider. ESCROW OF THE XXXX sales REP XXXX XXXX is very well connected within the builder industry. Wells FARGO Retail office and Builder office is opeining escrows with XXXX XXXX. As a retrun for this buisness, XXXX is telling builders to use WELLS FARGO as their preffered lender for the take out financing. XXXX is creating a false environment. making the process harder to sell for builders and harder to buy for buyers so that he can influence the builders vendors choice- XXXX has designed specific FALSE processes that make it harder for buyers to get loans from lther lenders. this way his choice of lender, Wells FARGO/ XXXX XXXX have the upper hand and they limit the buyers ability to shop for the best mortgage deal. XXXX XXXX creates an atmosphere that FORCES PEOPLE to use WELLS FARGO/ XXXX XXXX XXXX does this becase XXXX sends XXXX retial refinance transactions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: Nationstar took over my mortgage from  XXXX   XXXX   XXXX   XXXX    . I have copies of every check made out to Nationstar and cashed by  Nationstar  showing paid on time, but they are reporting m e 30,  sometimes 60 days past due. I get harassing calls  3-5  times a week. I have repeatably spoken with supervisors ( all documented ) and they have not fixed the problem. They have caused me to pay higher interest rates and I can not qualify for a new home loan because of their fraudulent reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have been a customer and Lowe 's credit card account holder since  XXXX  of  2005 . As a homeowner having and maintaining this account is almost a necessity. Over the past 12 years I have managed the account responsibly. Recently, due to incid ents ( errors ) to no fault of my own, my credit score was negatively impacted. The first incident involved my mortgage company incorrectly reporting payments, this incident was corrected and the company apologized. The letter is included for your reference. Unfortunately, around this same time, I had my smartphone stolen from a gym bag and as a result someone attempted to compromise my  identity. Despite both situations being fully remediated I am still feeling the impact from it because of what unknowing creditors are doing based on their due diligence processes. Rece ntly my Lowe 's credit account credit limit was reduced from {$8300.00} to {$3100.00}. This is caus ing further direct damage to the creditworthiness of my family and jeopardizes many plans that we have for college for our children and life in general. Credit utilization impacts your score so now it appear we have a " maxed out '' account. This has happened to other credit accounts closer to the initial happenings that caused the damage so I thought I was in the clear. But when this happens it is usually followed by a domino effect of other creditors doing the same thing. Also, to compound things I have had extreme difficulty logging in to the Lowe 's Credit website lately. I have had the same login information for quite a while but often the picture token i s not recognized and the answers to the security questions are not formatted correctly it appears.

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 08/18/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: Hello, This complain is regarding Coinbase. I have over {$10000.00} cash that I have wired to my Coinbase account. They have indicated that they have accepted the wire and credited my USD wallet. I also have over {$8000.00} value of Litecoin and Bitcoin that I have purchased. Here 's the problem : I ca n't access any of it. They wo n't let me purchase more bitcoin. They wo n't let me take the money out. They wo n't let me do anything with it. They indicate ( via automatic notification ) they need to verify my identity. I have given them all the information they have asked for including a photo of my California Driver 's License. I requested help from support on XXXX XXXX, XXXX. No response from them other than an automated response that says " Due to increased volume it may take several days to receive a response. '' I have read  online on other forums that other people are having the same problem. They are n't getting a response after waiting weeks. I do n't have weeks to wait to use my own money. It 's not right that I ca n't access it as they claim I should be able to do. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX my addresses is incorrect I do not or never did live in XXXX XXXX New Jersey and the second XXXX is my employment is XXXX I am a XXXX and I work for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (TX).
Issue: Problems when you are unable to pay

Complaint: Prestige sound like another vehicle was purchased under my name.Without my permission or consent.Do n't have a clue of who would forge my name like this so many times.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NE).
Issue: Other transaction issues

Complaint: My father wired me {$20.00}, from XXXX in the middel XXXX ; while I was in the XXXX. I for got and drove back to XXXX without picking up the money. I have tried to get my money for the last 20 years. I was told that my dad would have to write for it. My father is at this time my father is in his XXXX. I told them it was sent to me I should be able to pick it up and why have n't you sent it back to the sender? I was then told that I would have to go back to XXXX in order to get the money. That no matter what the money has to be picked in the state it was sent to. Then as time went by Money Gram informed me that I ca n't pick the money up no matter what I do, and I might as well let this situation go unless I get my father to write and request the money, I will never get my money. They have refused to even be civil about the situation amd extremly rude, and hang up on me. Money also refused to tell me where to file a complaint. I just happend to see this on a money gram recept. I found myself wondering how many other people this has happend to!! And it is a issue that should be looked into. My dad is now XXXX years old, at the time the money was sent he was in his XXXX 's. And for awhile we were so frustrated with how we were treated. Even when I asked to please have a written policy sent to my email so that I can see for myself why I could n't pick up my money.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone has a home loan in my name and some credit as well

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (CT).
Issue: Loan servicing, payments, escrow account

Complaint: I have a home equity line of credit with Citibank that has principal and interest in the monthly payment. This account is current. Last month, there was a system error showing an overstated principal amount. I contacted Citibank on XXXX XXXX, XXXX regarding this matter and spoke with a supervisor, XXXX, who agreed there was an error and told me it would be resolved the next day. 
I called two days later and the error was corrected but upon checking one week later, the error was back in the system. I then spoke to a manager, XXXX, ID XXXX, on XXXX XXXX, XXXX, who said they were still working on the issue. I was told the issue would self correct in the following month. 
This is not an acceptable business practice. The error was then corrected in the system when I checked on XXXX XXXX. 
On XXXX XXXX, XXXX, I checked the system and the principal balance amount is again incorrect. Also, same day, XXXX XXXX, XXXX, I received a notice from Citibank dated XXXX XXXX, XXXX that my account is in default and that there will be a property inspection scheduled that I will be billed for as a delinquency expense. 
My account is current and paid. I am appealing to the CFPB to contact Citibank and have this matter rectified.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/24/2017 about Debt collection (Private student loan debt) with Brumbaugh & Quandahl (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was recently contacted by my mother-in-law stating that a sheriff had delivered paperwork from an attorneys office stating that she was being sued, and they were representing XXXX XXXX XXXX XXXX XXXX. In the paperwork it showed that she was the co-signer for myself on a private student loan that originated in XXXX. I then called the company the first number was disconnected, but there was a XXXX number. I was informed that after several attempts to resolve the debt with no response they had to take this action. I nor my mother-in-law had never received documentation only phone calls every once in a while re. the debt. I explained to them that this debt was being paid now with XXXX, and there have been no missed payments. I called XXXX to confirm. They stated that XXXX was not the originator, and that they had documentation that we signed for this loan. I have requested documentation, and we have to go to court XXXX XXXX, XXXX at XXXX in XXXX County. 
I have pulled all three credit bureau reports, and this company does not appear on any of the reports as being a debt. I also called XXXX XXXX XXXX where I consolidated my student loans, and there is nothing showing there. 
I have seen the reports online regarding this company, and I 'm just not sure what to do other than go to court and try and fight this.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have two loans that were serviced by XXXX/XXXX XXXX. Both loans are paid and full as they were transferred to a new lender XXXX XXXX and currently XXXX. My credit report shows 180 days past due and 120+ missed payments for two account which has a great affect on my credit score thus far. During the time of the missed payments I was not only enrolled in school at XXXX College, but my loans were no longer being serviced by XXXX XXXX. The missed payment dates that are listed on my report for accounts start at XX/XX/XXXX - XX/XX/XXXX for both accounts.

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