milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX, two unauthorized out-of-state withdrawals were made against our checking account in the amounts of {$2400.00} and {$4200.00}. We noticed that the withdrawals had been made and contacted the bank ( Bank of America ) on XX/XX/XXXX. The bank gave us a {$2400.00} credit while the fraud is being investigated. We were initially told that the investigation would take 10 to 15 days. Further phone conversations pushed this window to 15 to 20 business days, then to 20 to 30 business days, and then to 30 to 60 business days. We are approaching the 60th business day and still have not been contacted by the bank and still do not have credit for the {$4200.00} transaction.

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 07/26/2017 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I called XXXX XXXX, XXXX XXXX 2017, regarding the Genesis loan that I received while attending XXXX. The program/school has been found to be fraudulent and thus I requested my private loans to be discharged. There was no supervisor available, nor was there anyone that could discuss or authorize the discharge. I then was then given an incorrect number of someone else to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Mobile banking app does n't update the correct balance. Which has caused multiple over drafts in the lifetime of my account. Some of which have been reversed but some that have not. They are slow to send information to  3rd  part applications such as "  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 07/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MI).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: I recently opened a Barclaycard because of its zero percent balance transfer rate. Barclay attempted - succeeded - in a balance transfer for twice the amount I actually owed on my XXXX XXXX card. In addition, while Barclay shows the balance now on that card there is still the original balance on the XXXX XXXX card. So now I have gone from a $ XXXX debt to $ XXXX debt simply by attempting a balance transfer. Both banks claim the other bank has to resolve the issue. XXXX XXXX says there is no payment from Barclay but Barclay shows the two erroneous balance transfers. I have tried getting help from both companies to no avail. Both say " wait and see it if it fixes itself. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a new employment added to my credit report that I have never worked for and I had like XXXX cards open in my name sent to me that I did not apply for using that new employment. I have paid off most of those credit cards. But I want new employment taking off my credit and all the inquires from this year. Someone has used my information before that 's why when I file for taxes I have input a code. But all of these new inquires and credit cards have really lowered my credit score. I 'm currently unemployed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2015 about Credit card () with TD BANK US HOLDING COMPANY (PA).
Issue: Billing statement

Complaint: I obtained a Target Red Credit Card about 3 years ago. In XX/XX/XXXX, I stopped using the card after noticing high interest rates, hidden fees, can not view a copy of your receipt or billing statement XXXX it does not show actual line item purchases, just the sale total ), the running total is not accurate and other hidden charges. If you lose your receipt, you can not dispute these charges or show proof of purchase on a warranty and Target deliberately does this, hoping the customer will lose their receipt so that they can continue to hide hidden fees on their Redcard Statement and do not have to honor a warranty. They will not assist you in locating the purchase either. I purchased a XXXX XXXX vacuum that broke. When I contacted Target to assist me in getting a copy of my receipt, I was told if I did not know the date of purchase, the exact amount of the total purchase or the price of the item they could not help me, although I provided them with the information from the item. I complained to Target 's main office and the BBB, but Target basically stopped cooperating. The card has a line of credit for {$1500.00} the balance in XX/XX/XXXX Target claimed was {$1400.00}. Since XX/XX/XXXX, I have paid between $ 100- {$120.00} per month for a total of {$1200.00} to date or XX/XX/XXXX. My balance therefore should be {$370.00}. Just like XXXX, Target is ripping off their customers and the public.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with TD BANK US HOLDING COMPANY (TX).
Issue: Fraud or scam

Complaint: On XX/XX/XXXX I transferred {$22000.00} to an account at TD Bank from my account ( XXXX ). I had spoken with my bank to ensure the account was valid and I believed I was purchasing a motorhome. It was a 24 hour transfer so the money would have been received on XX/XX/XXXX. Later that night, early morning around XXXX XXXX I woke up and intuition told me I was being scammed. I called my bank first thing in the morning ( before banks were even open ) and spoke with my bank asking them to cancel. It had already been transferred but they said they would contact TD Bank. 

Throughout the day I spoke with my bank and once with TD Bank and they assured me that they had people who worked these specific scams. By this time I had already reported it to the local Sheriff 's office and filed a report with Detective XXXX in XXXX County, Texas. He did a little research and believed it was a scam. I also attempted to call the XXXX XXXX XXXX XXXX XXXX on Wednesday and was put on hold for 30 minutes and then the call was dropped. This was another indication to me that it was a scam. 

On Friday, XX/XX/XXXX is when the motorhome was to be delivered. It never was and so I knew for sure it was a scam. I filed a report with the FBI and never heard back. I also filed a report with XXXX, which is where the item was for sale and I filed a report with the Attorney General of Texas, in an attempt to recoup the monies through the Crime Victim 's Fund and was denied, stating this was a property crime so it did not qualify. 

FYI : In the last portion of this report, you request for my account #. I do n't have an account with TD Bank, the person committing the fraud does so that is the account # I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: Equifax will not remove accounts listed in my valid identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am contacting your agency after attempting to resolve this matter with TRANSWORLD SYSTEMS INC and disputing with all   XXXX   credit reporting agencies. When I initially found out that TRANSWORLD SYSTEMS INC was reporting negatively on my credit report it showed up as  XXXX  account. After I dispute the item TRANSWORLD SYSTEMS INC turn around and add a   XXXX   collection negative item to my credit report for the same exact amount of  XXXX . I have requested that creditor validated validity of this debt by provide with copy of sign service contract and Identification on individual services was rendered to.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit card () with CITIBANK, N.A. (NV).
Issue: Billing disputes

Complaint: In XXXX 2016 we had some Tile Flooring installed at our home by Best Buy Flooring, XXXX XXXX XXXX XXXX, Nevada in the amount of {$4500.00} which was financed by a new 18 month same as cash account ( XXXX ). When we made the application we were asked for a credit card for additional identification which we used My Best Buy Visa Card administered by Citibank. 

When we received our Best Buy Visa Statement ( Closing date of XXXX/XXXX/2016 ) it showed a purchase in the amount of {$7500.00} dated XXXX/XXXX/2016 to Best Buy Flooring XXXX. We did not make or authorize this charge. I called customer service to dispute this fraudulent charge. Our credit limit at that time was {$4100.00}. I asked why a charge over our credit limit was accepted and was told someone there approved it because I was a good customer without even bothering to contact me to see if this was OK. The original account was closed and a new account number was issued. I was sent a DECLARATION OF UNAUTHORIZED USE form which I filled out and returned. 

I received a reply from Citibank that this was not a fraudulent charge because I had initiated contact with this merchant but was instead a Billing Dispute. I again disputed the charge and received a letter that it was denied wihout explanation or documentation. 

I contacted the merchant who said that they could not find the transaction in their records. 

I did not make a purchase in the amount of {$7500.00}. I did not authorize a charge to my XXXX account for this. I can not get Citibank to reverse the charge. They could not have done an investigation into this or they would have removed it from my 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 monetary relief
Consumer complaint received 06/15/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CO).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX I made a online payment to XXXX for XXXX the payment was never received. On XXXX XXXX a good faith letter was sent advising of the payment, amount of payment and account number. Another payment was made on XXXX XXXX which again was n't applied. After a 3 way call with XXXX, XXXX and myself it was determined the funds were sent to Citibank which was the previous owner of the card. On XXXX XXXX another 3 way call with Citbank, XXXX and myself in which payment amount, date and trace numbers were sent. I contacted Citibank on XXXX XXXX and they had no record of any account or correspondence. I once again, contacted XXXX and was told the case had been closed and would reopen it. The representative told me he would call me this XXXX XXXX XXXX but have yet to hear anything. I have spent well over 100 hours on the phone trying to get this resolved, to no avail. XXXX XXXX has repeatedly sent proof of payment, transaction records and CitiBank refused to communicate. I have been in direct contact with a representative from XXXX XXXX and they have now sent it to there liaison.

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 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX XXXX, XXXX and Experian have allowed fraudulent attacks to my credit reports. I have lost more than {$100000.00}

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 12/16/2016 about Mortgage (Home equity loan or line of credit) with NATIONSTAR MORTGAGE (SC).
Issue: Loan modification,collection,foreclosure

Complaint: Nationsar Mortgage is not acting in good faith as I attempt to short sale my home. 

Property originally listed on auction site and did not disclose the HOA assessments and that they have to be paid in full at closing, even though this was disclosed to the lender on several occasions. By not disclosing the full details of the property, they are misleading potential buyers and thus causing buyers to initiate releases once it is determined the loan can not legally close without additional payments to the HOA. 
We have submitted documentation to them showing that the HOA assessment is a legal requirement of the development and must be paid in full ; they are refusing to submit the file to the investor for their review and consideration of the new HOA assessment facts. 
Servicer was speaking to the auction buyer even after they signed a release and was trying to move their offer forward after receipt of a new executed offer in their systems. Once we educated them on contract law, they discontinued their illegal communication with the previous buyer immediately. 
Manager stated she would submit all of the HOA documentation to the investor for their consideration before we countered the buyer, however, she is no longer honoring her original instruction. 
All of the delays/negligence is causing direct harm to you as the seller as it is pushing you closer to foreclosure, more harm to your credit scores and increased tax consequences. 
The negotiator assigned to this file is not only rude and unprofessional but seems to be working against us and not with us to get this file moving forward. We have asked several times to have her removed from this file at no success ; this is a compliance requirement of the lender when a 3rd party asks for reassignment. 
The counter we just received is inflated as they were going to accept the auction buyers offer of $ XXXX ( without the auction premium ) and now they are countering at $ XXXX to cushion their bottom line in order to offset the HOA costs. This directly harms you as the homeowner, but also forces a buyer to pay an inflated price on the property which then causes further harm to the development and economy as prices inflate to unreasonable and/or unsubstantiated values

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Debt collection (Medical) with Malcolm S. Gerald and Associates, Inc. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My account is NOT in collections. I have spoke with the medical center where I received treatment and verified this,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Debt collection (I do not know) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The collection agency refuses to provide me any information on why they are contacting me. 

The rep did say it was related to my XXXX XXXX. XX/XX/XXXX, I contacted 5th/3rd bank and asked for a payout amount on my car loan. I issued them a check for that amount. Over 2 years later, they contacted me stating I owe an additional amount. 

I have made it very clear, I believe the loan has been paid in full and need an explanation of why they did n't contact me for 2 years and why they believe there is still a balance. They refuse to provide me any information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-09-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: this is in reference to No. XXXX, as there is a long history of this complaint. My brother-in-law, XXXX XXXX, is the executor of my late ex-husband 's estate, which includes a condo financed with Bank of America, a HELOC, and originally a first mortgage Bank of America sold to XXXX who subsequently sold it to XXXX XXXX. I am on the mortgages, which I quit-claimed to the my now deceased ex-husband, XXXX XXXX XXXX, brother of XXXX XXXX, who is the heir and executor of the estate. XXXX XXXX XXXX and myself have repeatedly requested in writing that Bank of America and XXXX XXXX recognize XXXX XXXX XXXX as the power of attorney and executor of the estate and correspond with him at this address. Bank of America continues to refuse to cooperate with XXXX XXXX and still insists on sending all correspondence to the deceased 's address after they have been told that address no longer exists for XXXX XXXX XXXX as he is deceased. XXXX XXXX XXXX sends payments to Bank of America and they apply them to another real estate loan XXXX XXXX XXXX has and they file late notices on my credit report, as I am still on the mortgage, but have no interest in the property that is the subject of this complaint. Bank of America just simply refuses to respond to any pleas to straighten out this nightmare they have created and now they are trying to destroy my credit rating. Now you have dismissed the complaint because of no authorization from consumer. I have written to you giving you authorization, SO NOW YOU ARE BEHAVING THE SAME WAY AS BANK OF AMERICA. XXXX XXXX XXXX and I are totally frustrated by this behavior as you should be bringing Bank of America into compliance instead of dismissing this complaint without proper investigation. 
Sincerely, 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 02/16/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: XXXX XXXX, VA XXXX, Reports All XXXX credit reporting companies false starting dates for debt REAGING XXXX XXXX XXXX, requested that they not contact me until the issue was resolved still calls

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (AE).
Issue: Other transaction issues

Complaint: I 'm currently serving overseas and I have used Western Union since 2007. I 'm now being subjected to constant stoppage of my transfers by western union and told it 's because I 'm a long time customer. I 'm made to wait on the phone for up to thirty minutes or I 'm disconnected and have to go through the same frustrating procedures over and over again. Why does WU treat their loyal customers that way? especially it 's military customers who are overseas and have to rely on WU to get money promptly to their families? It is very frustrating to have this stoppage every time I try to send money to my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Debt collection (I do not know) with Navient Solutions, LLC. (NM).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Recorded message collecting debt and asking for someone whom we do not know and has never lived here ( we 've owned this phone number for 11 years ). Requests to stop calling us have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (I do not know) with SUNRISE CREDIT SERVICES, INC (FL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: After I had sent a letter to Sunrise Credit Services asking them to verify any alleged debt with proper proof of documentation, the collection company refused to respond, made repeated dropped calls to my phone, and left blank voicemail messages.

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Sir/Maa 'm, I am currently a in the XXXX XXXX XXXX XXXX that was called to XXXX XXXX in support of our war on terror. I began my tourXX/XX/XXXX and was released on XX/XX/XXXX. I have always in the past had my credit cards set up on the Auto pay system so that I never miss a payment. Unfortunately for an unknown reason, my Chase Slate CC fell off of the Autopay system without my approval. During my XXXX I was notified by my creditors of my enrollment into Service members Civil Relief Act. As a service member most of my benefits began XXXX months before I XXXX and continued for XXXX months after I returned. Unfortunately this does n't apply to the Credit Card companies. During my XXXX I still made some payments on my account without realizing that the Autopay system was disengaged. Last month I finally realized the error and immediately made a payment and once again set up the Autopay system. I am currently pursuing a refinance of our home and was informed that my credit score had significantly dropped due to Chase reporting a 30-day late to the credit bureau. I have always had really great credit and have been with Chase since XX/XX/XXXX. I did call and talk with a credit specialist at Chase and was informed there was nothing that they could do and they would not remove the mark on my record. I did explain my concern and asked if they would apply a 'Goodwill Adjustment '. The representative said again there was nothing they could do for me. After this error occurred I immediately reviewed all my accounts to confirm everything was setup correctly. I hope I have explained this accurately and there might be a way I can have this 30-day late remark removed off my record. Thank you for your time and looking into this matter for me. 

Sincerely, Me

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is listing a credit collection account ( XXXX XXXX XXXX - Acct # XXXX ) that does not belong to me. I would like to have it deleted.

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