milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/14/2015 about Prepaid card (Transit card) with Empowerment Ventures, LLC (MO).
Issue: Unauthorized transactions/trans. issues

Complaint: I have had rushcard since 2010 and I get my direct deposit everyother Tuesday by XXXX rushcard has n't posted my direct deposit and also are not showing the money I had on my card previous to my direct deposit. I have been trying to log on to the website for me than 24 hours with no avail and also have been trying to speak with a representative for for than 24 hours to be placed on hold for more than 2 hours each time when I get through to someone. I have bills to pay and children to feed and am getting no reason on why my money is n't available to me I was never informed of a system update or system change that they supposedly are doing this is unacceptable and I need to be compensated for late payments on the bills that I have to have paid. Very angry and frustrated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2017 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (NM).
Issue: Loan servicing, payments, escrow account

Complaint: I spoke with XXXX XXXX, from Wells Fargo who was very helpful and suggested I called the estate department. My parents are dead, I inherited the home via a transfer on death dead, and I live in the home and pay the mortgage. Until yesterday Wells Fargo would not give me any information about the loan. I understand the need for consumer privacy but the failure to respond to a legitimate mortgage servicing issue is unreal. 
At the assumption department the customer service department told me that I would have to credit qualify for the loan. I explained to them that I thought that was not accurate since I inherited the home. I spoke with a Supervisor, XXXX XXXX, who explained that she had worked in the department for 14 years and because of the CFPB rules and the Dodd Frank Act I needed to credit qualify. I explained that I had sent in death certificates and the deed and that I should be able to assume the loan under operation of law. I asked her to give me the specific rule that said I needed to credit qualify. I explained that I do n't want to pay on a mortgage for 25 years without being able to take the tax deduction. I think she is incorrect under the Garn St. Germain Act and she refused to mail me an assumption package, she explained that Wells Fargo does n't do that any more. I have been trying to get an assumption package and information about the loan since my fathers death. I think its wrong for Well Fargo to give false and misleading information to their customers and then blame the CFPB for the rule making. This loan originated before the CFPB rules. This is unfair and deceptive and likely happening to hundreds of consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Bank account or service (Savings account) with CITIBANK, N.A. (NY).
Issue: Deposits and withdrawals

Complaint: I opened a new citibank account under the provision of a promotion. New accounts with deposits of XXXX or more and deposited past 90 calendar days would be eligible to receive a {$300.00} bonus. After leaving XXXX in my new citibank account, I called 4 times to citibank after the 90 days when I did n't see the promotion of {$300.00}. I need CFPB to step in to assist. I spoke with 4 separate phone operators and received 4 different dates and still no money.

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was advised to make an complaint with CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Debt collection (Medical debt) with Harvard Collections, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Opened : XX/XX/2017 ( 4 mos ) Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX ... 
I went to this emergency room, but when I got there, the XXXX XXXX me 4 times wrongly and I did not want to move on getting XXXX and I refused to get treated. They then handed me a document to sign that I refused to get treated. So why do I have to pay for nothing?

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Mortgage (Conventional home mortgage) with MB FINANCIAL, INC. (CA).
Issue: Trouble during payment process

Complaint: 2 years ago, we had water damage. The insurance dropped us and we had about a month to fix the house so we can get a new policy before the insurance expired. The old insurance paid for the claim BUT my bank didnt want to release any funds to me so I can fix the house. I used my own money and loan some money so I can fix the damage in my house. The mortgage company didnt want to release funds so I can finish the work and get new insurance. The new insurance wanted to see that the damage was fixed before they can insured me, which took 4 more days from the day of the cancelation. I was stuck with having no money to fix and the time I needed to get insurance. I spoke to XXXX at the bank many times, he told me to XXXX XXXX and it is his rules and if I want to get funds, I needed to finish the houseI had no money! I explain to him that without releasing funds I can not finish the work.well he said it my problem. NOW, 2 years down the road the bank is trying to bully me to pay insurance worth {$8900.00} that I dont need or want. After back and forth they now reduce it to the 4-5 days that I didnt have insurance due to them holding my insurance money. They did that on purpose as XXXX said he will teach me a lesson. Because of them not releasing MY FOUNDS it took me 4 more days to finish the work so the new insurance see that its all fix and I can get a new insurance. This mortgage MB Financial is something else, the worse mortgage company I ever had. Unfortunately there is no one to talk to about this and I understand they have the right to go into my impounded account and take the claimed insurance. I dont authorize them to do this! I want to take them to court if they will charge me. This is crazy!! They want to charge me for 4 days of insurance from 2 years ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/28/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I filed a dispute with Equifax and XXXX at the same time concerning a judgment that has been cancelled from my record in XX/XX/2015 and XXXX has removed it from my credit report in XX/XX/2015, Equifax had not and answered the dispute that the information was correct. On XXXX XXXX, 2015 I called Equifax concerning this and filed a dispute by phone and as of today the judgment is still on my Equifax credit report and I have n't received a letter or anything concerning this dispute which is been almost XXXX months. I want this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: This is the second time that I 've noticed this, so I believe it is the strategy of Bank of America to remove charges from a person 's transactions in order to trigger overdraft fees. I made a charge at XXXX XXXX in XXXX for {$14.00} plus a {$3.00} tip. The {$14.00} showed up immediately, but then disappeared a few days later, giving me the false impression that I had more money than I really do. In fact, along with that charge came ATM transaction fees that are several days old. Is this practice legal?

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 06/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southern Credit Adjusters, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This seems to be an extention or part of the original debt I have submitted today with your company CFPB - XXXX/XXXX/2016 -Case File # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Debt collection (Payday loan) with Global Asset Management Group, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: They have been calling my job saying that need to serve me documents and they tried discussing this matter with HR or an office manager and were very persistent. I told them to reach me at home and provided an updated address.

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 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: I submitted a dispute over 30 day late payments for XXXX XXXX XXXX XXXX and the system malfunctioned would not let me attach my documents which show my payments were within the 29 days before reporting to bureau. I decided I would upload the documents the next day but within less than XXXX hours on Experian said they verified all data as correct without providing their process or proof. I dont believe they could have adequately conducted a thorough investigation in the time frame and may have sent me an automatic response reply instead. I understand they are probably getting overwhelmed due to the fallout from XXXX and consumers checking their credit reports but these incorrect late payments are affecting me getting a safer place to live due to my area of in XXXX, TX being severely affected and undergoing extensive cleanup before renovations can begin.

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 10-07-2016 about Bank account or service (Other bank product/service) with HSBC NORTH AMERICA HOLDINGS INC. (GA).
Issue: Account opening, closing, or management

Complaint: My father died back in XXXX. He has a brokerage acct. at HSBC with myself as the beneficiary. I have been trying for over a year now to get the bank change the title on the acct. And, I have gotten nowhere with them. I filled out all of the paperwork they said they need to make the change, but nothing yet. I should that this amount time to do something like this. And now, I ca n't even get the agent on the phone ; nor, have I received everything from about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (WA).
Issue: Deposits and withdrawals

Complaint: I wanted to express my frustration with Chase Bank process of processing claims and managing security of customer funds ( checking accounts in particular ). On XXXX XXXX, 2016 I mailed XXXX checks to pay monthly bills. Both envelopes stolen from mail box, checks altered to someone 's private name ( same name in both cases ), amounts altered as well ( same amounts of {$350.00} written ), my signature left intact. Both checks were cashed on the same day XXXX XXXX, 2016 in XXXX closely located Chase branches in XXXX XXXX, WA for the same amount of money by the same individual. This is outrageously out of my pattern of spending which is not monitored at all. I also held Chase visa card and I had similar pattern of forgery which was INSTATLY detected and fraud stopped without financial losses, why same bank does not apply same rules for different accounts? The computer programs are in existence to determine account activity pattern and anything out of ordinary must have raised red flag. Besides that, even looking at electronic images of my checks I can see forgery not to mention originals which BANK has in its possession. It was an easy thing to detect as criminal was not very wise. But the bank clerks were even more stupid to allow for this. When I filed the claim clerks stated it was my responsibility to monitor my money. REALLY? Why would I be so stupid to deposit it in the bank then, I will keep it at home. As a result of submitted claim I now have to wait up to 120 days to get the money back. Really? Bank instantly issued my money to a criminal and law abiding citizens have to wait 120 days? I must have my money back as soon as claim is accepted and affidavit signed. When I requested claims clerk to explain what would be done as corrective action in this case she stated nothing, there are limitations what they can and can not do. Are you kidding me? So there is no quality Assurance function there like everywhere else? Wait for another financial crisis then, nobody will deposit money into your bank soon. Chase must perform preventative and corrective measures like any other industry does for consumers safety and financial stability. I work for XXXX. I can not imagine we blame our customers to monitor their own XXXX. This is outrageous and must be monitored by government. The processes today eventually do not preclude bank form accepting fraudulent checks. The must change then. And quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: This relates to on going complaints/investigations currently underway. As of recent, XXXX reports one of two student loans I had co-signed for was a " charge off ''. This was not even a factor before I began my complaint against them. This loan was never in " Charge Off ''. In fact I have recently ( see attached ) recieved a letter from XXXX XXXX ( affiliated with XXXX ) congratulating me on paying off my loans with them. This orginal complaint concerned purported " missed payments '' alleged by XXXX concerning me and my Daughter, XXXX XXXX XXXX. We steadfastly deny such " missed payments ''. More than this, if indeed such payments were " missed '' XXXX reports this three times concerning a single loan. Originally three three checks had been issued by XXXX for a single school years and concerning the same time period. This does not constitute three loans let alone three loans late all at the same time. And at no time had any of these loans been in " Charge off Status ''. To date, XXXX, has exceeded sisty days to provide copies of original documentation as demanded. Additionally, XXXX has failed to provide documentation to support claims that " missed payments '' had been made by mhy daughter or myself.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Credit card () with Colony Brands, Inc. (CA).
Issue: Unsolicited issuance of credit card

Complaint: I 've contacted them multiple times about them reporting on my credit file a seventh ave account with a balance of XXXX dollars, they wanted me to sign and send back information which I have and they are not in no way trying to resolve this issue with me, I have No idea who or what they sell, I just want them to be removed from my credit file. Please have them Remove themselves from my XXXX major credit files XXXX. They have failed to send me any documentation that this account is valid and I am extremely concerned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05/27/2016 about Student loan (Federal student loan servicing) with ALASKA COMMISSION ON POST SECONDARY EDUCATION (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have had fraud issues with my loan including receiving letters from companies with incorrect loan balances, wrong contact phone number to contact them, wrong address to contact them, and servicer information listed on the national student loan data base listed as banks that are no longer in business. I have also been given addresses of closed banks as my servicer. I was even told that no one knows where my loans currently are held by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Credit card () with U.S. BANCORP (GA).
Issue: Billing statement

Complaint: My credit card statement from US Bank, XXXX. XXXX XXXX, XXXX XXXX, MO XXXX, showed a balance due of {$770.00}. I transposed, in error, the cents and remitted {$770.00}, a difference of XXXX cents. For this slight error they billed me for {$8.00} in interest. That 's XXXX times the shortfall and it seems ludicrous to me. I called their customer service phone number as I did n't realized that I had transposed the cents and they explained the {$8.00} interest charge was a result of of XXXX cent error, and made no effort to resolve what I thought was an extraordinary interest charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/17/2015 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I put a freeze on my credit report in 2009 & received a letter & pin number. Today I asked to lift the freeze and found out that I can not because Equifax ( and only Equifax ) has a middle initial of " XXXX '' in my name vs just a " XXXX ''. Equifax said I must send proof of my name and address in order to correct their mistake. I have a letter from Equifax dated in 2009 & that letter does not have the incorrect middle initial. Also, when I tried to use the online system at Equifax the system ca n't even hold XXXX middle initials. They agreed to process a lift of the freeze but that takes 5 business days & they notify me by mail. The other XXXX bureaus processed the lift immediately & sent an email response. Equifax needs to research their errors & not put the burden on the consumer. Equifax is holding up the checking of my credit standing for 5 business days plus the mailing time since they respond only by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Helvey & Associates (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I just learned there is an unpaid electricity bill that was originally in my daughter 's name along with mine. In XXXX when she moved into her own place I signed in lieu of a big deposit to get her electricity connected. That ( I thought ) was the end of it. She eventually moved out and into another apartment from XXXX/XXXX/XXXX until she moved out in XXXX XXXX ; she then had the electricity transferred in the roommate 's name. Whether when my daughter left, the electric company did n't send the last electric bill, I do not know ( they will not discuss with me now that this is turned over to a collection agency ). The electricity company has now reported me living at her last address ( my residence is 12 yrs 8 months where I am currently ). In addition, this unpaid balance of {$79.00} is now showing as a collection on my credit report. I have reached out to the collection agency ; they are very rude! They are requiring I file a police report of stolen identity since I never lived at the place where this electricity bill originated ... show proof of my residence for the time the electricity was generated at that address. I am literally being instructed to jump through many hoops. I would n't mind just paying the bill just to get rid of it but would it really get rid of it? Wo n't it stay on my credit history as a collection? Why ca n't I just pay the electricity company and ask they call off their collection agency? I personally had my daughter 's mail forwarded when she left that apartment to my residence to avoid things such as these. I believe that was for a time frame of 6 months to a year ; we never saw this bill or any letter informing it was unpaid or going into collections. Can you help me? Thanks!

Company response to consumer: Closed
Consumer complaint received 06/15/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Making/receiving payments, sending money

Complaint: Between XXXX XXXX and XX/XX/2016, Capital One bank paid out twice on XXXX different checks written off my account. I discovered and reported the first problem when I got my XX/XX/XXXX bank statement and again in XX/XX/XXXX when that statement showed a second problem. I went back again in XX/XX/XXXX and again in XX/XX/XXXX, disputing the duplicate transactions. Capital One had paid out when the XXXX checks were scanned electronically, and then again when the exact same checks were presented as physical checks in later deposits. On XXXX XXXX, I found out that XXXX set of each payment never reached the payee account it was supposed to go to. On XXXX XXXX, Capital One 's final decision on my claims was that they were denying it because the checks had valid account holder signatures. I would like the appropriate Federal regulatory agency to investigate why the bank 's software allowed these duplicate transactions to occur, and force them to change their software and procedures to prevent it happening again. In the meantime, I am moving my funds to another bank, and have initiated a criminal complaint against the payee on the checks.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked and I used their tool to see if I was affected. I entered my last name and last 6 digits of my SSN. It said I was impacted.

Company response to consumer: Closed with explanation