milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/16/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: In XX/XX/XXXX I was involved in an internet scam, but unaware at the beginning of the transaction. On XX/XX/XXXX I was charged with XXXX XXXX XXXX XXXX. Bank of America, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX sued me for XXXX XXXX on XX/XX/XXXX in XXXX County, XXXX. 
I am XXXX years old, and my source of finance is a retirement check for {$460.00}, and a Social Security check for {$890.00}. These two amounts are my only monthly income. I have been in XXXX, XXXX all my life until I left XXXX in XX/XX/XXXX after my probation period was over. On XX/XX/XXXX I moved to XXXX, XXXX. I owned/operated XXXX XXXX XXXX XXXX, State of XXXX  Department of Children and Families in XXXX, XXXX XX/XX/XXXX- XX/XX/XXXX. Since returning to XXXX, XXXX on XX/XX/XXXX, I have been trying to gain employment, but have not been able to obtain a job due to the lien on my criminal record. 
My livelihood has been affected because I am unable to get a job because of this lien. I have been sending documents since XX/XX/XXXX to the Background Screening Unit to get an exemption from Disqualification from the State of XXXX Department of Children and Families, it is a long process. 
In the process of re-sending all these documents ; I learned two months ago that Bank of America had sued me, the same Civil Restitution Lien Order that was filed in XXXX County on XX/XX/XXXX was also filed in XXXX County, XXXX on XX/XX/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 09-06-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Struggling to pay mortgage

Complaint: Good Morning, This is the 3rd time that I am writing a complaint regarding Bank of America. I am so fed up with them that I just want to scream. I have been asking for help for well over one year and they have not done anything to help me. I have made complaints and have been referred to their appeals department but nobody knows what someone else is doing. I was denied again because they say that they cant verify employment for my Husband and my Husband has been working for the same company which his brother owns since 1990, they asked for a letter from employer which I supplied and they have his tax returns which shows the same employer. They never called me to ask me for further information. They also told me that I am too deliquent at this point for a modification but I have been asking for this for almost 1 year. I have been working with someone from BOA for quite some time and then they change the rep and the new rep doesnt know what is going on. I am also going through the State of NJ for another program and I am waiting for that answer. Yesterday I got so frustrated that I hung up on them because the new rep said well you are denied so you can either sell your home in a short sale or catch up on your payments which they know that I cant do. BOA told me months ago that the only way I will get help is if I am delinquent on my mortgage and now they are teliing me that I am too delinquent. I really dont know what to do anymore but I am thinking of going to the media to make a complaint and maybe they will do a story on this. I always had excellent credit and I am not a deadbeat I just want some help. Can you please help me, each time you contact them they do nothing, something more has to be done.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not protect my sensitive personal information. The data breach was due to their inability to secure my information adequately and thus put me at risk. Again, it is up to me as the consumer to deal with any risk, remediation, and taking additional steps to secure my data and identity. This is simply unacceptable, given this is Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (Mortgage debt) with I.Q. DATA INTERNATIONAL, INC. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: IQ Data International company spams people. I got a call from them one day stating that I owe some amount to my previous landlord. I know for a fact that we did not owe anything! In fact our landlord had returned us a part of our deposit amount after deducting all the move out charges. I contacted my landlord to find if there was any goof up and they told me that I owed them nothing. Moreover the apartment complex told me that IQ Data International are not their debt collectors.
  
  The lady on the phone insisted that I pay through credit card and that the payment must be done that day itself in order for her to waive off the interest amount. She sounded very legitimate - she knew the names of my previous roommates and she gave me a break down of the charges. When i refused to pay immediately, she transferred me over to another colleague who asked me what was stopping me from making the payment. All in all, it did sound fishy. They have even reported the fake debt on my credit report.
  
  They keep calling me regularly now. Infact they have even got hold of my office telephone number and they left a voicemail on that.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ConServe (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Conserve sold this old utility bill to XXXX in XXXX, yet they keep calling me XXXX 4 times a day threatening to put it on my credit report. They already are on my credit report. The problem is that they need to remove themselves since they sold the account. I am not going to pay them and still have XXXX on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I just recently completed the student loan rehab program. Once this is completed, I was supposed to have all late payments removed and the accounts removed from my credit report. I have had the negative remarks removed from my   XXXX   report, but the  accounts have been labeled collections/charge off. Transunion and  XXXX  have yet to make any changed. I called the Dept. of Education and they informed me that they told the bureaus to remove the accounts. So I called   XXXX   regarding this, and they refused to do so. They said that I had to wait until 2018, which is totally different from what DOE is saying. Both the credit bureau and DOE are telling me to speak wit h the other.

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 02/13/2016 about Credit card () with SYNCHRONY FINANCIAL (NE).
Issue: Closing/Cancelling account

Complaint: I OPENED UP A CAR CARE CREDIT ACCOUNT APPROX A YEAR AND A HALF AGO I HAD JUST PURCHASED A XXXX NISSAN ROGUE AND PLAN TO USE THE CARD FOR OIL CHANGES AND REGULAR MAINTINENCE, SINCE IT IS A BRAND NEW CAR AND NEEDED NO MAJOR REPAIRS. UPON GOING TO GET THE FIRST OIL CHANGE AT XXXX XXXX WHO WAS LISTED AS A MERCHANT, I WAS DENIED SERVICE AS THEY SAID THEY WERE UNSURE HOW TO PROCESS CARD SINCE IT HAS NO EXPIRATION DATE SO I WAS ENDED UP USING ALTERNATIVE FORM OF PAYMENT. AFTER ATTEMPTING TO USE XXXX XXXX AND ALSO XXXX I ALSO DID NOT HAVE SUCCESS WITH BEING ABLE TO USE MY CAR CARE ONE CARD FOR ANY SERVICE AS BILLING WAS AGAIN AN ISSUE I ALSO HAVE THE HEALTH CARE CREDIT ALSO FROM SYNCHONY BANK AND AND KNOW THAT THE MERCHANTS HAVE TO MANUALLY ENTER THE BILLING INTO A COMPUTER TO PROCESS IT IS A LONG PROCESS WHICH FRUSTRATES MOST VENDORS AND MOST WILL JUST SAY THEY CAN NOT PROCESS PAYMENTS WITH THE CARD. UPON MY 4TH ATTEMPT TO USE MY CAR CARE ONE CARD I FIND OUT THE CARD WAS CLOSED THEY TOLD ME DUE TO INACTIVITY, I SPENT ALMOST AN HOUR ON THE PHONE WITH A REP AND TOLD ME THE MERCHANT SHOULD HAVE KNOWN HOW TO CHARGE THE CARD AND IF NOT THEN THEY COULD HAVE CALLED FOR ASSISTANCE THE ONLY THING THEY WERE WILLING TO DO IS RE ISSUE ME ANOTHER ACCOUNT, WHICH THEY DID AND PROVIDE ME WITH MERCHANTS THAT WERE NOT LISTED ON THE WEBSITE BUT THAT WOULD ACCEPT THE CARD AS PAYMENT WHICH WOULD HAVE BEEN MUCH HELPFUL PRIOR. AS A RESULT OF THEM CLOSING MY ACCOUNT SUDDENLY IT DROPPED MY CREDIT SCORE XXXX POINTS, I SPOKE TO THEM ABOUT REMOVING THE CLOSED ACCOUNT FROM MY FILE, BUT THE ONLY THING THEY WANT TO DO TO ADD A STATEMENT THAT THE ACCOUNT WAS CLOSED DUE TO NON ACTIVITY WHICH WILL BE NO HELP IN RECOVERING MY DROPPED CREDIT SCORE AS A RESULT OF THEM CLOSING THE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
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 XX/XX/XXXX, I stayed at the XXXX XXXX XXXX in XXXX, OH. I paid through XXXX. When I checked in, I was told that I was paid in full and that they just needed a credit card on file. I checked out 3 hours later for an early morning flight and was told by front desk that I was " good to go. '' I later noticed that I was charged {$78.00} by XXXX and {$62.00} by XXXX XXXX. I tried contacting the hotel 3 times with no one answering the phone. In XX/XX/XXXX, I disputed the charge with Capital One online and over the phone. On XX/XX/XXXX, the charged was rebilled to my account. I called on XX/XX/XXXX and was told they had sent a letter on XX/XX/XXXX saying they needed more information but had received no response. I never received the letter. The agent told me that I could have emailed in the XXXX email that I have saying that I had paid my bill in full if I had sent it before the dispute was closed. When I initially disputed the charge, I asked to email in the document and was told that I couldn't do that. Capital One told me that because the dispute was closed because of my inaction there was nothing to be done. They never emailed or called me to see if I had received the letter before closing the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/22/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Attempted to answer the questions that Equifax presented to me online, all of which did not apply to me. Equifax failed to give me my report and asked me to request it using their form. Some of the information requires my drivers license, social security card, etc. Sending these items in the mail subjects me to identity theft. I was able to obtain my credit report from XXXX and XXXX online. I want Equifax to do the same.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/26/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: Chase is denying me my right to my funds and they do not want to give me access to my funds also I 'm in another state not my home and I need my money to get home and they are still refusing me the right to my money

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: AFTER NUMEROUS COMPLAINTS,, BANK OF AMERICA REFUSES TO ANSWER SIMPLE QUESTIONS, THEY ARE EVASIVE AND ACT WITH CRIMINAL INTENT!!! 
ANSWER THE QUESTIONS!!! 

CAN YOU SHOW A CURRENT VALID CONTRACT WITH ME,? YES OR NO?? 

CAN YOU SHOW VALIDATION OF THE ALLEGED DEBT.? YES OR NO?? 

WHY ARE YOU REPORTING ON AN ALLEGED DEBT AFTER 7 YEARS,?? WHY WHY WHY????? TELL ME WHY YOU HAVE VIOLATED THE LAW SO MANY TIMES AND DO NOT SHOW ME AN OLD CONTRACT FROM XX/XX/XXXX-XX/XX/XXXX, ITS NOT VALID!!!!!!!!!! 

AND DO NOT SHOW ME A STATEMENT!!!!! A STATEMENT IS NOT A BILL YOU 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 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX and XXXX are both reporting a missed loan payment from XXXX for XX/XX/XXXX. I graduated XXXX on XX/XX/XXXX, with a 6 month grace period and my loans did not enter repayment status until XX/XX/XXXX. They reported 5 missed payments ( 5 separate disbursement loans ) and charged late fees on all of them. In addition, I was never given a payment option below $ XXXX- {$600.00} and could not afford it at the time. They continually put my loans into forbarence, which has resulted in an large amount of interest also. I cant afford my monthly payments at this point, and they are not willing to do anything to fix their mistakes. My credit report has suffered greatly because of 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 03/15/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Other fee

Complaint: CapitalOne has been charging me a membership fee of {$3.00} for the past 6 years. 
The customer service agents can not tell me what its for, or what benefits it provides. 
I have an identical card, but Visa branded, the one in reference is a mastercard, and it DOES NOT have this fee. 
My wife has the mastercard version and visa version, so the identical set up i have, and she DOES NOT have the fee on either account. 
The customer service folks are totally unwilling to resolve the issue or offer a VALID explanation. There is no reason i should be charged this arbitrary fee that literally does nothing. The listing of benefits for my card with the fee and my wifes identical card without the fee are identical. There is ABSOLUTELY no value from paying this fee. 

This is my OLDEST credit account and i do not want to close it, however i will happily enter in to a lawsuit just because my uncle is a lawyer and he needs to eat, if you understand me, because as he put it " this occurrence is a cash cow ''. He seems to think that UDAAP can be invoked in this instance and wonders how much he can make from this. 

So we can go either route, drag capitalones name through the mud on social media, the traditional media ( one of my XXXX works for the XXXX in town ), the court system ( my friend from highschool works in the DA office ). 

I currently have XXXX connections on facebook on my personal page, i have over XXXX reach on my professional facebook page which is finance related, i have thousands of connections on XXXX, and i have a XXXX account for my nonprofit that is reaching XXXX followers very soon. I have no problem bringing the truth to light, i also have time as well to do all of this as i have plenty of PTO accrued. 

So will we get rid of the fee for the past 5 years? or Will we begin a journey we can not un-begin? 

Your choice, i hope you take this seriously as i have a network of individuals in XXXX who work at capitalone offices and i would hate to have to call in a favor and get them jobs elsewhere leaving you high and dry intentionally, because honestly i have that type of influence.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Consumer Loan (Vehicle loan) with LOBEL FINANCIAL CORPORATION (TX).
Issue: Problems when you are unable to pay

Complaint: My husband and I have received several voicemails advising us that we have completed an illegal transaction that, depending on whose voicemail it is, has ranged from an insufficient funds check to an invalid account. Via voicemails, the agent is telling us that our account is behind due to invalid/insufficient funds and that we are past due. She also states that what we have done is illegal. We always made our payment timely and frankly, I am stunned to receive such a voicemail, when I know that what she is saying is not true or legal to say.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Using a debit or ATM card

Complaint: On XXXX my account was gotten into on USAA by phone number XXXX at XXXX. At XXXX and at XXXX XXXX attempted to get into the phone automated system. They were able to change my information with only a SSN and birthdate. ( ( When I call I have to provide a pin ). Transactions were made from XXXX XXXX and another in XXXX for on that same night ( they used my debit card for both ). The pin, security questions and password were changed and a new phone number of XXXX ( appears to be texting service out of XXXX was added as my primary number. My account then had a mobile app established on this number which appears to be an Android XXXX XXXX phone. None of these numbers are attached to me or my family nor do any of us have any XXXX smart phones. ( we have all XXXX ) Here is where the NIGHMARE really begins I called USAA fraud department to make them aware that the XXXX number is allowing notifications and it 's not mine. They appear to not be able to remove this device from my profile. The have put in a ticket to try to solve it but it will be sometime next week. So someone has access to my balances and accounts until then even with added security in place. They also can not tell me that after the two week lock out on my account if someone will be able to call in and do this again. I have opened a new checking and savings but am stuck at this moment because I have no way to access my money and the payroll check can not be changed for this reporting period. 

USAA has temporarily refunded the XXXX transaction on my debit card pending their investigation the charge for XXXX XXXX is still pending. Currently there are XXXX others here in our Military XXXX that are having similar situations with USAA. We do n't personally know them and my adult son who no longer lives with us had his account hit 3 days after mine in XXXX XXXX. 

Currently I want answers and USAA can not give me any. I was told by Fraud Department on Thursday to stop stressing and to have a good weekend. 
I have reported to police department and have fraud alerts on all of my credit reports. I noticed all of this on the XXXX and USAA tells me that 'd those other phone numbers have not tried to access anything since the XXXX. Right now not sure I trust them and my information is floating around on an unknown device. 

After speaking with someone who works In computer securities for a large Corporation they feel as if USAA has had a data breech. As I write this I have involved many authorities and this seems to be a huge problem with USAA and I 'm just one of many having this issue in the last 3 weeks. Speaking with about XXXX people here their debit cards have been compromised with USAA since 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 04-08-2017 about Debt collection (Credit card) with Monterey Financial Services LLC (NC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: departmentReceived phone call from representative with Monterey Financial on XX/XX/XXXX. The rep was very rude, threatening, demeaning, said I would be sued for payment, very loud, and insensitive. My daughter and grandson heard him. I did not get his name a he stated it very rapidly and did not clarify again. My husband wanted the tub before he passed in XX/XX/XXXX. His passing was unexpected due to XXXX. I suffer from XXXX and had taken care of him for years on XXXX. I order the tub anyway. At the time I ordered, I called the several times within the grace period stating that I did not want it because it was too noisy, dissatisfaction, and not according to my expectations. Presented information to operator on XX/XX/XXXX. She sent call to another department. No response. Called again and XXXX sent call to customer liaison, no response.. Spoke with XXXX customer liaision, with no success in canceling the order. Asked for supervisor and was directed to XXXX. No resolution. XXXX and XXXX stated someone would come out and check the noise and non-working air jets. I followed steps to get tub returned but was referred without any action taken. I was receiving XXXX dollars per month from my spouse to help with monthly bills. That money ceased after his death. I had unsurmountable debt from his hospital bills, other household debt, car payment, mortgage, utilities, credit card debt, that all fell behind. I tried to work out with this company and fell behind with payments. XXXX on a XXXX caused me to go XXXX in XX/XX/XXXX. I became so XXXX that I did not want to handle my bills that had fallen behind. I was grieving from my husband 's death and representatives from this company were always rude. I am trying to rectify my credit situation which will take time with my income as only source. I did not appreciate how the rep spoke to me. I am XXXX years old. I have nothing of substance that I could sell and get money to pay. I had set up payments and did not know they had returned. I did not check bank accounts. Too XXXX knowing that I owe debt and can not manage to get it paid. Started working a job at XXXX so that I can try to manage and get debt paid off. I tried to file bankruptcy but it would not leave me enough to buy XXXX that I must take daily to keep XXXX. Contacted a debt repair agency but discovered their fees and % would cost me more that I was paying. No one should speak to me in the manner this man did. His scare tactics did not work. I owe and want to pay but will not allow anyone to harass me. Whatever resolution can be made is appreciative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation