milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/19/2016 about Bank account or service (Checking account) with U.S. BANCORP (MO).
Issue: Account opening, closing, or management

Complaint: Duplicate payment was made for an auto loan. I contested this duplicate payment at local branch and 2 days later when using my debit card, it was declined twice. I learned from local branch account had been frozen. I did not request the account be frozen and was not informed account would be frozen. This resulted in late fees as well as fees associated with pending eviction due to debits posting during this time period. The branch referred me to a corporate number to request the account be unfrozen. The local branch manager acknowledged fault and agreed to reimburse my losses, however has since decided to not act as agreed and referred me to the fraud unit. There is no fraud. There is only misconduct of US Bank.

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 07-11-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: I deposited my paycheck to my checking account at Bank of America, in the amount of {$1100.00}, on Friday, XXXX XXXX, 2016, at XXXX. On my receipt, it indicated that my funds would not be available until XXXX XXXX, 2016, at XXXX. 
Since I am the XXXX at my place of employment and handle the XXXX, checked our bank account when I got to work today ( Monday, XXXX XXXX ) and I see that the money for my paycheck was deducted from the account on XXXX XXXX, 2016. So, Bank of America has had my money since Friday, and will not let me have it until tomorrow at XXXX. I called my branch, and all they said was " it 's based on your relationship with the bank. '' I 've had this account for about a month, so what relationship? I asked her what they do with my money for three days and she said " we do n't have it. '' " Then where is it? '' I asked. " I do n't know. '' She said. Seriously? She also said, " Well, the check could still be returned. '' " Really? After you already have the money? '' This wrong and they should not be allowed to do this.

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 03/29/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent certified mail to Equifax regarding my issue with XXXX and XXXX debt which was erroneous. I asked to see the original contract with my signature in compliance with the 609 Fair Credit Reporting Act. Which states that the debt must be verified and validated or be removed from my credit report. In the case of XXXX the court ruled that you can not take information off a computer source as verifying the debts.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Student loan (Non-federal student loan) with AES/PHEAA (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have a complaint registered against AES with CFPB. I am waiting for the resolution of that. However, AES recently submitted a negative report to the credit unions which resulted in a XXXX drop in my credit rating. I feel this is in retaliation for submitting the complaint to you. This loan is in forebearance.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: I am XXXX XXXX XXXX XXXX a XXXX in the private sector and XXXX at the XXXX in XXXX XXXX California. I am a XXXX for the XXXX. Six years ago I asked both the Bank of America and XXXX XXXX for a loan to finance XXXX XXXX to help with the Affordable Care Act. Both banks denied the loan several times. We asked these banks because we have accounts with them and the Bank of America held the mortgage until they sold it to XXXX. In 2014 we obtained a Mortgage Modification and now have a subordinate loan to HUD for XXXX. The Bank of America broke the law by hiding our monthly payments and giving false information to the Credit Bureau. They put the lien on our property and made it impossible for us to use the equity in our home to get a loan. I need urgent help to survive this injustice initiated by the Bank of America and now continued by HUD.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (MN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # which you claim my account was charged off $ This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (FL).
Issue: Managing the loan or lease

Complaint: I received an automobile loan from Wachovia Bank XX/XX/XXXX, and paid that loan off XX/XX/XXXX, however I never received a lien satisfaction letter and the DMV was never sent the satisfaction. Wachovia no longer exits and was bought out by Wells Fargo. I have contacted Wells Fargo on multiple occasions to get a lien release however they can not find the account. In the meantime I am unable to sell the truck because I can not get a lien release. 

The whole experience has been very frustrating and confusing. I have been asked to submit a request in a writing but that could take 30 days or more to research.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Around XX/XX/XXXX, I reopened my USAA checking and savings accounts. During this time, I was searching for a personal loan due to being in the final stages of building a home. By XX/XX/XXXX, I ended up applying to a lending company that asked a few questions I felt were about personal information, but I applied anyway and soon after that I started to notice suspicious activity occurring on my account and an unknown external account, which I never authorized to be attached to me account. I notified USAA as soon as I found out about this on several occasions and asked to have the account detached from my profile and the money returned to wherever it came from. I was told that the account belonged to XXXX XXXX when I spoke to one of the representatives and I explained to her that have never owned an account with XXXX XXXX. In XX/XX/XXXX, when deactivated the debit card attached to the account, I started receiving threating text messages and phone calls from someone regarding the money and this account. Immediately, I went and filed a police report at my local department. Shortly after, I received correspondence from USAA stating that they were no longer going to do business with me due to the suspicious activity on my account and although I made numerous calls before and after these letters, I had been given the run around and routed through several departments to be told that my calls were not recorded or there was nothing that could be done about the situation. In XX/XX/XXXX, I received two letters stating that USAA was able to garnish my Federal Income Taxes and my Military Pay. I dont know how this has been able to happen because I havent heard from this company since XX/XX/XXXX. I was a victim of fraud and I can not afford to have over {$6000.00} taken from me when I didnt paly any part in this situation and I notified this bank on numerous occasions to try to stop this from occurring. Can you please help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: j p morgan ( chase bank ) close my account for no specific reason

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Closing on a mortgage

Complaint: I have been having problems with accurate accounting of my loan with Wells Fargo Home Mortgage. I worked to resolve this problem with WFHM and was approved for a Loan Modification. The Loan amount on my home is $ XXXX. I have been making the payments but when WFHM sent the final loan documents they nearly doubled the loan amount. The house will never be worth the amount they increased the amount of the loan to. They added $ XXXX in interest fees and late fees. They are trying to hold up my loan modification and are not applying the monies I am paying each month until I agree to their increased amount of the loan. This is not accurate and their accounting was never right. It is illegal for XXXX to try to force me to pay nearly double of my original note. They are forcing me into a situation in which the home will never be worth what they increased the amount to. I have no problem with the original loan note of $ XXXX, that is all the home is worth. They are tacking on $ XXXX of fees in which they have no basis and accurate accounting. They are also not applying my mortgage payments to my prinicipal until I agree to their terms. Thank you, 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 05/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On  XXXX   XXXX , I notice Bank of America charged me {$1000.00} again on my credit card. I thought this issue was resolved. I lifted the stop payment on check #  XXXX  so Bank of America can cash the check. Unfortunately they keep charging me with {$1000.00} every time I speak to them. I never get anywhere with them. They dance around the issue when I asked what happened to my money. They do n't want to admit wrong doing.     On  XXXX   XXXX , I spoke with  XXXX . He started to laugh at me instead of trying to resolve the problem. I spoke with his manager,  XXXX . He said I need to lift the stop payment. I asked him to repeat that it. He refused because he did not want me to know how to handle the issue.     They sent a general letter to me but DID NOT ADDRESS the issue. Bank of America did not resolve the issue. Bank of America said they did not do anything wrong. I disagree. I paid another {$840.00}. plus change to ease my credit card. They stole my money and refuse to give it bank.

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 08/26/2016 about Consumer Loan (Vehicle loan) with AMERICA'S CAR-MART, INC. (GA).
Issue: Taking out the loan or lease

Complaint: COMPLAINT AGAINST THE CAR-MART IN XXXX, GA STORE : My payment is {$270.00} per month, we started out with a {$6800.00} bill and our balance is approximately {$2600.00} and CAR-MART continue to harass us each month, making threats of repo on the vehicle to sell. They sent someone to our house last month when we had company in our home and the person refused to leave from in front of our front door demanding that my wife get on the phone, demanding a payment because they claim the payment was 5 days late. He continued to verbally demand my wife get on the phone to make a payment in front of our guests, allowing others to be in ear shot of a collections demand at our front door about my personal business. Now, they claimed our payment was 8 days late and repo our vehicle on XXXX/XXXX/2016. The sad part is my wife make another payment on the vehicle and all of sudden not even 10 minutes later someone was knocking down our front door and repo my truck. I have paid over {$4000.00} on that truck. I feel we are being harassed because the Truck is XXXX paid in full and it would be of profit for Car-mart to steal our vehicle and sell it to someone else. Call me at XXXX. We also faxed a complaint to the XXXX store last month over the violation of our privacy rights in front of guest at our home and this month - XXXX 2016, they repo the vehicle in retaliation of that complaint. My payments are current and I have all the receipts, I have never missed a month payment to Car-mart. Additionally, they pull a bate and switch when I first obtain the vehicle. They stated if we bought them XXXX fans in a promotion that my down payment would be {$500.00} down. However they increased my payment over a 90 day period to {$470.00} per month to get the down payment money back. I did not realize this situation until after the fact and I was forced to pay {$230.00} every two weeks for 3 months for the down payment. Now that I have paid off over XXXX of the vehicle they came and stole the vehicle out of my front yard.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (MD).
Issue: Struggling to pay mortgage

Complaint: I lost my job in   XXXX   XXXX   XXXX  . I started falling behind in my payments on   XXXX   XXXX   XXXX  . I received  XXXX  for 6 months unable to find a job. I started working as a substitute teacher in   XXXX   XXXX  . I 've been in this situation before with Chase Mortgage but went through all the steps and started making my payments again on time when I found a job. I 've never missed a payment while I was working in the 16 years that I was employed with Chase. I just found out my house was sold back to Chase on   XXXX   XXXX   XXXX   without any knowledge. I 've been working with   Chase   the whole time I was  XXXX  and then I get a letter saying I 'm in foreclosure and my house was sold. They did n't work with me like they did the first time in   XXXX   and I was unemployed longer during that time. Dealing with Chase mortgage you constantly talk to a lot of case workers. My situation is handled by many and you have to keep sending in information all the time. I want to keep my house. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Other

Complaint: My husband and I are buying a home and the lender indicated to us that a dispute came up on my credit report with a credit card company. I the credit card company and they said that they did have a record that showed there was a dispute many years ago, but that it was from so long ago they could n't give me any information other than it had since been resolved. The rep I spoke with said that they would contact the XXXX bredit bureaus that they work with to ask that the dispute be removed from my report. The rep said it could take up to 90 days to resolve, which is not a timely fashion when purchasing a home. Given that the dispute was so long ago it is strange that this was never done before- I certainly did n't know it was my responsibility to make that request. I thought after I had paid the card off and closed the account it was over. ( I knew my score could be affected for up to 6 years, but it has been over that period of time and I never followed up. ) I think it is important for consumers to make sure they follow up because it is evident the system of reporting/resolving is not efficient or necessarily accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (TX).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: While looking at a bill statement from XXXX XXXX, I noticed a " debt protection '' fee added on. Such a feature was never discussed, advertised or offered to me when I applied for the card years ago. The online customer rep could n't cancel the " debt protection '' fee and referred me to a phone number to call. I called and managed to have the " debt protection '' " service '' cancelled but could n't get a refund for years of unnecessary billing for a service I was never offered or signed on to.

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 05/18/2016 about Debt collection (I do not know) with Mid-Atlantic Consumer Services (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Back to back calls about a " legal matter ''

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Debt collection (I do not know) with Global Recovery Group (OK).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have not received any kind of notice or any kind of communication for this debt, I have no idea what it is, it just popped up on my credit report.

Company response to consumer: Untimely response
Consumer complaint received 11/22/2016 about Debt collection (I do not know) with FC HoldCo LLC (MD).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I am an admin at a company. The bill collectors call for a particular employee and asked to speak with him or his wife ( Who is not employed by us XXXX. I have explained to them that this employee is not reachable through the number they are calling, and asked them to end the collection calls at this number, but they continue to call. The callers also refuse to explain what company they represent, which makes it impossible for me to submit a written Cease of Communication. 
After a Google search, I was able to find the Credit Company online, and I will file a cease of Communication with them ASAP. That being said, prior to me sending the Cease of Communication, their tactics were harassing and unethical. 
The Company : Flagship Credit Acceptance XXXX, PA 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 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a bunch of inquiries that I did not authorize. They refuse to delete them from Transunion. They keep saying that they were validated BUT WILL NOT SHOW ME any proof

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 07/20/2016 about Debt collection (Auto) with CarFinance Capital LLC (GA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: They called me at 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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: My employment information is not listed or showing on my XXXX XXXX, XXXX and Experian credit report : I work at XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, ND, ( XXXX ) XXXX, Position : XXXX, Annual Salary : {$1.00} 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 non-monetary relief
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I filed a complaint ( ID XXXX ) with the Consumer Financial Protection Board after multiple unsuccessful attempts to remove an inaccurate item reporting negatively on my credit with Equifax. I just got notification that they have removed said item HOWEVER, I requested an updated copy of my credit report INCLUDING UPDATE credit SCORE once this was removed as part of my complaint and did not receive this. They attached a copy of my credit report but without a credit score. I need an updated copy of my credit report WITH SCORE now that they have finally taken off an erroneous item a year later that has been hurting my credit all this time.

Company response to consumer: Closed with explanation