milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/29/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Deposits and withdrawals

Complaint: I made a {$2000.00} deposit to one of my Bank of America checking accounts on XXXX XXXX, 2016. I then had to transfer the money to another checking account to cover a payment and on XXXX XXXX, 2016 I mistakenly transferred the {$2000.00} to my credit card account ( giving me a negative balance on my credit card of {$1100.00} ). The mistake was very easy to make as the XXXX checking accounts and credit card account show up in the mobile app as though they were all similar accounts. When I realized the mistake I made, on XXXX XXXX, 2016 I pulled the {$1100.00} negative balance back out of my credit card account and transferred it to my checking account. Bank of America charged me {$61.00} to pull my own money out of my credit card account and pass it to my checking account, claiming that it was a " cash advance '' from my credit card. However, I was not using my credit card to finance anything, I was simply pulling my own money back out of my credit card account and transferring it to my checking account. After the transaction I had a {$0.00} balance on my credit card and did not take a cash advance. I called Bank of America and tried to get my {$61.00} refunded. After an hour on the phone with them they refused to give me my money back.

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 09/15/2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX, 2015 I discovered that a company named XXXX XXXX XXXX ( XXXX ) of XXXX, FL placed a collection account on my credit report without any prior notice, written or otherwise. That day I wrote them a letter and sent it Certified Mail via the USPS disputing the account and demanding validation of the debt as prescribed by Federal Law. The company ignored my request and continued to update it as bad debt on all XXXX credit bureaus. In XXXX of 2015 I hired an Attorney to dispute the account and get validation of the debt for me. In XXXX of 2015 it was removed from all XXXX of my credit reports and I assumed that the issue had been resolved. On XXXX/XXXX/2015 I received an alert from my credit monitoring company that XXXX had placed the account back on my XXXX Report, on XXXX/XXXX/2015 an alert that they had put the account back on my Equifax and then on XXXX/XXXX/2015 an alert that they had added it my XXXX XXXX report. They also violated the law by changing the " Open '' Date in order to make this debt appear " newer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-09-2015 about Bank account or service (Checking account) with U.S. BANCORP (KY).
Issue: Using a debit or ATM card

Complaint: My ATM card was cancelled because a merchant I bought something from had their computer financial system compromised. US Bank would not tell me which merchant it was. That ATM was connected to auto-bill payments. I went to the bank branch and called the Bank on the phone repeatedly and asked which billers were connected to the ATM card and was told none were. Then I got a notice from XXXX XXXX that the payment authorization was declined. I called US Bank again and then finally got someone from online banking who gave me a list of companies with automatic reoccurring bill payments that were connected to the old card. Why did n't US Bank give me this information the first time I asked for it so I could take care of this problem and avoid getting late fees and possibly have my credit compromised? Why does n't US Bank have a system to transfer reoccurring payments from XXXX ATM card to the next when the old card gets compromised? Why do n't they tell us who is the merchant who is not protecting our financial information so that we can avoid using them again?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX does not investigate discrepencies in my report. the errors that I have requested be investgated fail to looked at. additionally there is XXXX point difference in FICO score compared to XXXX and Experian. when I call the XXXX number they hang up on me. additionally they have advised me that I must pay to get an updated fico score and report update. Experian continues not give me one update they dropped my fico score XXXX point for no reason! <P/>This is not a duplicate do not cancel this submission it is not a duplicate experience continues not to investigate my discrepancies they fail to notify me of any changes they have requested additional information meeting my name and Social Security number which you have provided this is unfair treatment to a consumer and consumer finance group should be responsible in pursuing this on ethical corrupt company

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 07/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: The inquires on my credit report are not mine. Last month, I asked if the inquires could be removed, because they were made by someone other than me. My name is ... XXXX XXXX. I live XXXX XXXX ... XXXX, il.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 08/23/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (OH).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Due to the nature of how this company closed my account when I was always current with payments I 'm disappointed at the fact that this is still showing on my credit report. I have n't applied for the store credit card since it was closed. The card was closed by a phone representative mistakenly several years ago when she assumed that I wanted to close the account. Once I found out that the card was closed I called to see if I could have the credit line again and I was denied. The phone agent closed the account without asking me for confirmation and since then I 've never had the opportunity to have a credit account.

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 10/24/2017 about Money transfer, virtual currency, or money service (Traveler's check or cashier's check) with WELLS FARGO & COMPANY (TX).
Issue: Confusing or missing disclosures

Complaint: A hold was put on my cashier 's check and when i called the local Wells Fargo branch I spoke with the branch manager XXXX. XXXX manipulated government regulation and made it sound like she was giving me {$5000.00} of a cashier 's check as a courtesy. When actual regulation requires the bank to give me the XXXX  dollars. Needless to say I feel like I was misled by what actual Federal Regulation is.

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 07/25/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Loan modification,collection,foreclosure

Complaint: Since The United States Bankruptcy Court has discharged my debts, I have been trying to get Wells Fargo to take this property in the form of a deed in lieu of foreclosure. The foreclosure process in NY is judicial, so it takes two years. That 's too long and serves nobody 's interest. I 'm trying to speed things up with a deed in lieu. 

I 'm amazed at the resistance and red tape involved in simply conveying a property back to Wells Fargo after a bankruptcy. I have two concerns:1. Privacy. Wells Fargo is asking me to explain deposits in my checking account post bankruptcy. My fresh start is well underway. This information is none of Wells Fargo 's business. These deposits were my tax return. I incurred huge losses and this was reflected in my tax return. Also, I received some back rent in a lump sum for another property not associated with Wells Fargo. This rent went immediately to paying for cesspool repairs on the property not associated with Wells Fargo. Why do I even have to explain this? It happened after bankruptcy. The Wells Fargo property has n't been rented since XXXX. No income from this property. I 'm in bankruptcy. Debts have been discharged. Wells Fargo should take this property. 

2. Inordinate delays. Wells Fargo keeps assigning me new Home Preservation Specialists. This is n't about preserving. It 's about deed in lieu. I have been assigned XXXX different Home Preservation Specialists. Turn over in this department is high. These people are on the career path. Thus, each XXXX of them is compelled to request a document or ask a question so they can advance. It must be working for them since I have had XXXX of them. It all results in delays. This has been going on for months. I 'm tired of it. It 's time for Wells Fargo to do the deed in lieu.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: i constantly asked diversified consultants to stop the reporting of the inaccurate information stating that i owe a balance, I am a victim of identity theft and they seem to not taking the proper procedures, but still reporting negative to all XXXX credit bureaus, i asked them in a certified letter for validation of the debt, but they continue to still is engaging in deceptive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On my report is XXXX XXXX ... which is not my account. Never solicited them.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Debt collection (Medical) with Seattle Service Bureau, Inc (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am receiving calls from a florida number multiple times a week sometimes twice a day. Every time I answered there was never a person on the other end of the line. I would just hear dead air. No message was ever left. Sometimes I would have a voicemail of dead air from these numbers : XXXX, XXXX, XXXX, XXXX. This has gone on for several months. No actual communication was ever made from any of these phone numbers until XXXX/XXXX/16 when there was finally a gentlemen by the name of XXXX XXXX stating he was from national service bureau and asking about my social security number. He told me I had a debt thats been building interest since XXXX. I believe this company is purposefully using these tactics to build up interest and make more money off their debtors. I had no idea and no form of communication to alert me that I had a debt. This is very shady business practices. No joke as I 'm writing this I received a call from XXXX that I answered and shocking dead air nobody on the other line. I ca n't imagine that this is a legal business practice.

Company response to consumer: Closed
Consumer complaint received 12-11-2016 about Consumer Loan (Vehicle loan) with Quality Acceptance llc (NV).
Issue: Taking out the loan or lease

Complaint: I sent a letter to QUALITY ACCEPTANCE LLC, the letter is enclosed, I gave them a year, it was signed by no one. They broke more federal trade commission laws and more FCRA regulations than any other company I have ever seen. And they unlawfully harassed for money when they violated and broke the contract we had with them, and they also refuse to send any proof I Asked for a year. There window is closing soon, I want {$7500.00}, if they do not pay up I feel sorry for them, cause I am here telling the world, I am coming for them, by media, by law, my court and I want whoever is responsible to go to jail as well. How can you send a response of this serious nature with no signature. IS that who stole my money?

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XX/XX/2018 by wife and I received a letter from Fair Collections & Outsourcing listing a {$4500.00} balance due from XXXX XXXX at XXXX XXXX. On XX/XX/XXXX, our attorney, XXXX XXXX XXXX sent a formal letter to Fair Collections & Outsourcing disputing this debt and requesting the following 1. The amount of the alleged debt 2. The full name and mailing address of the original creditor for this alleged debt 3. Documentation showing that Fair Collections & Outsourcing verified that we are responsible for this debt 4. Documentation showing that Fair Collections & Outsourcing is licenses to collect debts in Virginia. 

Since we had officially disputed this debt within 30 days of being notified by the company, under the Fair Debt Collection Practices Act, Fair Collections & Outsourcing was suppose to cease collection until we received the documents requested above. Instead, they have submitted this collections notice to the three major credit bureaus with major derogatory 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 03-04-2016 about Debt collection (Credit card) with Weltman, Weinberg & Reis Co., L.P.A. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX/XXXX/XXXX, recieved summons in Civil Court stating, I owed XXXX dollars plus interest from XXXX XXXX, Weinberg, Weltman and Reis CO..LPA by XXXX XXXX XXXX XXXX XXXX. Copy of the complaint had wrong address on it. I called and spoke with XXXX XXXX/XXXX/XXXX @ WEinberg, Weltman and Reis, Explained that this was not my address and that I had never lived in XXXX Va and that I had never taken a card out with XXXX XXXX XXXX, ever. He stated that they reseached and it came back to me and my address. I told him this was not me and this had to be someone else, Identity theft.He stated it was me and that he would send the information. Giving me case number XXXX and phone # XXXX. 
I pulled my credit report, XXXX/XXXX/XXXX, wrong addresses, diviation of ss #, and entries from XXXX ( debt buyer ), XXXX XXXX Bank, XXXX/XXXX/XXXX I called Experian and disputed the inaccuarate info. I called credit XXXX bank and spoke with XXXX who could not find and info at all.. 
XXXX/XXXX/XXXX XXXX, XXXX and XXXX asking for XXXX, giving my #. XXXX stated that XXXX was not in, she could help me, I told her I had not recieved any forms and she stated this debt originated from XXXX. I told her I had never heard of them as well as I had contacted Excperian and this was Identity theft. 
XX/XX/XXXXI contacted XXXX At XXXX he stated I did owe the debt, tht i had made a payment of XXXX dollars, I asked when he could not tell me he told me to call WW & R, I did spoke with XXXX XXXX he again sending packet, I again stated Identity Theft. 
I sent answer to XXXX County Court ( Date XX/XX/XXXX ) I filed police report XXXX/XXXX/XXXX, as well as Identity Theft Notification form XXXX XXXX, as well as Identitiy Theft Victim 's complaint and Affidavit. I also as instructed sent disputed account-notice to furnishers to XXXX, XXXX XXXX Bank and WW & R enclose ID Theft Affidavit, proof of ID ... .... 
Only one I Have heard back from is XXXX XXXX XXXX stating I am not responsible for any previous or further balance occured on this account ... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Prepaid card (Government benefit payment card) with Plastyc, Inc. (IA).
Issue: Managing, opening, or closing account

Complaint: Someone got ahold of my card numbers in XX/XX/XXXX and signedme up for a dating service. When I found out about these unauthorized charge I immediately contacted the card company and was told that " by law '' they had to cancel my card issue me anew card and dispute the charges with the dating site. So far, so good.Ireceived my new card in time to pay my rent, on the XX/XX/XXXX.. 
I have been using it for regular purposes and for NOTHING I have not used it before. This last monday I went to pay my vets bill and was told my card did n't work. I called the card company and was told that it was on hold do to possible fraud. The representative and I determined that the few charges I had made were legitimate. However they wanted proof of who I am. 
They asked me to FAX them these items ... Drivers license, social security card and a utility bill. I IMMEDIATELY informed them that I paid my utilities with my rent and a " separate '' utility bill was IMPOSSIBLE. They suggested ( and approved ) that the first page of my lease agreement would suffice. These items WERE faxed ( an received ) yesterday. 
Let me interject at this point that the original card numberwas ... XXXX this was the one they closed the NEW card number is ... XXXX. 
I DO NOT have a fax machine and have had to use the one in the managers office and work around her schedule to use it. Here are the fax numbers that upside provided me ... XXXX or XXXX. The first one is the one used and was given confirmation that the fax HAD been received. 
I called " upside '' this morning and was told that because I had NOT submitted a utility bill the account would remain on hold, I reminded them that I was informed that the lease agreement would be okay. They " suggested '' that I have the leasing company " break down '' the lease agreement to show utilities paid. This is impossible, my leasing company is " The City XXXX, Iowa '' and I am on " low income housing '' subsidized by HUD. 
Here comes the BIG lie ... .after having said that the lease agreement was unacceptable, they then deny even receiving the fax AT ALL. 
Add to this mess UPSIDE is going out of business and I am under time constraints to move my funds to another prepaid card company BEFORE, Upside is " no More ''.

Company response to consumer: Untimely response
Consumer complaint received 01-09-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XX/XX/XXXX, called Navient to determine how me as the co-signer of the loan can be removed from the loan. I was informed at that time if I made 12 consecutive payments in the amount of $ XXXX monthly I could be removed from the loan. At that time, I set up to have the payments automatically deducted from my checking account. The payments were taken every month until XX/XX/XXXX. 

As a resident in the state of FL, I was impacted by XXXX but I never requested to have the deductions stopped. My daughter called this week to have the payments moved to her checking account and to have me removed from the loan. Now they are stating that I would have to start the process all over again, as if I never made those payments from XX/XX/XXXX - XX/XX/XXXX. 

Also the representative was very disrespectful, unprofessional and hung up the phone on us.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Money transfer, virtual currency, or money service (Virtual currency) with JPMORGAN CHASE & CO. (IL).
Issue: Other transaction problem

Complaint: I found an unauthorized transaction occurred by XXXX app. I never had any XXXX account and never connected to this XXXX to my checking account. But the bank authorized this fund to the XXXX without any confirmation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-02-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I requested for mortgage assistance with Chase several times and only qualified for the program short sale or deed in lieu of a foreclosure. I accepted the fact that I had only the option of the short sale. In XX/XX/2016 the house was placed on the market as a short sale. The house had a offer within two weeks of being placed on the market. I contacted Chase to see if I qualified for the HAFA/Relocation assistance. The Chase representative looked into my account and told me I was eligible for the HAFA assistance at the full amount of {$10000.00}. My realtor has been very timely in sending Chase all documents needed for the short sale. Since the offer has been submitted in XX/XX/2016 Chase has been dragging their feet in this process. Now the HAFA/relocation program has expired XX/XX/2016 and Chase is telling me I no longer qualify for relocation assistance, even when my home was listed and going through the process prior to the XX/XX/2016 expiration date. I feel my account and loan should still be honored for the relocation assistance. I 'm making sure the property is being taken care of and has not been abandoned through this process and feel Chase should grant me the relocation assistance that I originally qualified for.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient refuses to lower my monthly payment on my private loan ( such as lower/no interest rate/lower monthly rate ) so that I am able to pay them while meeting my other obligations. I have already informed them that my income of $ XXXX/month does not allow for nearly any discretionary income, but instead merely pays my bills. My student loan principal has already accrued 50 % interest on top of the original amount, but Navient wants more money ( Currently pay them $ XXXX/mo interest only for a year only and then $ XXXX/mo ) and will not negotiate a more reasonable income based repayment plan.

Company response to consumer: Closed with explanation