milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/13/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Deposits and withdrawals

Complaint: I am a green card holder from XXXX and I visited XXXX with my wife and daughter from XXXX XXXX to XXXX XXXX, XXXX. During my visit I renewed my debit card at a Bank of America branch near XXXX XXXX. I used the new card once or twice for withdrawing a small amount of money at BoA ATM and did not use it for shopping. When I checked my account online during XX/XX/XXXX, I noted that my debit card was used on many occasions for money withdrawal and shopping, after we left XXXX for XXXX on XXXX XXXX. More than XXXX USD was stolen from my checking account. I contacted the Bank ( made an online chat ) and explained the case. At first they charged my account with the exact amount stolen, but they reversed this credit later, claiming that the PIN number was entered at first attempt and the card was used many times, adding that if it were a fraud case, the money would have been withdrawn in one attempt! They required me to send the flight information, which I then faxed, for opening a second claim. In the mean time, I made online chat with the Bank from XXXX three times and lastly had a call on Friday, XXXX XXXX. I was told by the claim department that the fraud case was closed irrevocably! 
Long story short : my debit card must have been copied during my visit and misused after my departure. 
The card is not stolen, it is still by me! They do n't want to understand that I can not use the debit card while in XXXX for ATM withdrawals and shopping in the USA! 
They even implied that I was lying and was the real person using the card. 
I feel humiliated by the bank and want my money back along with a compensation. By the way, I am a XXXX ( XXXX ) and have a moderate sum of money in my saving account with the same bank. They apparently do n't take enough security measures at their ATMs. Instead of apologizing and refunding, they go the easy way and put the blame on the customer. I really have difficulties to understand how such a thing can happen in the heart of XXXX and how one brand name of America in the financial sector could behave such badly toward a senior customer. I am really very disappointed. Thank you for considering my case. Best Regards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CO).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I applied for the Delta American Express card online. The initial offer of XXXX  bonus Miles was presented to me at first. After closing the window a new counter offer of XXXX was offered and at that point I have decided to apply. To date only XXXX miles or deposited to my delta account. After serval attempts to get the rest of miles deposited I have decided to involve the CFPB. I ask that you help me to get there extra bonus XXXX miles  deposited into my Delta account. American Express case number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Date:XXXXXXXXXX From : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX To : Diversified Consultants XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX : Cease and Desist Acct # Dear : Diversified Consultants Inc I am respectfully requesting that you refrain from contacting me by phone, with no letters in the mail, by text messages and email. Please refrain from using such methods as skip tracing, to contacting my relatives and employer. Do not contact met at all! Your continues calls, letters in the mail, text messages, emails and such conduct has caused me to suffer humiliation, embarrassment, emotional distress and physical discomfort. Please take a note that any future unsolicited methods of contact will be reported as multiple violations enacted by the Federal Trade Commissions ( FDCPA ) Laws. If contact does not ceases immediately I will be forced to utilized legal representation from a FDCPA Attorney. 
Fair Debt Collection Practices Act including but not limited to sections : 805. Communication in connection with debt collection 806. Harassment or abuse 809. Validation of debts  Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2016 about Debt collection (I do not know) with MacDowell & Associates, Ltd. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: My son and daughter in law live in XXXX. My son and I have the same name. A number of years ago my son and his wife bought a car through XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, XXXX. XXXX. I was in now way involved with this loan. I did not co-sign on this loan. My son also assures me that this loan has ben satisfied. My complaint is with MacDowell and Assts. Ltd. Inc. XXXX XXXX XXXX XXXX , XXXX. XXXX. Thursday of last week My employer XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, informed me that my wages have been garnished by order of the circuit court of XXXX County XXXX. This was done through the action of MacDowell & Assts. Again I was not involved with the original transaction in any way. 
My best guess is that MacDowell did some sort of skip trace procedure and came up with my name. MacDowell never contacted me. They just filed the garnishment. Of course this was done under the wrong social security number. Is it right for companies like MacDowell to through information against the wall and to see what sticks regardless of the time, money, and embarrassment it may unjustly cause? I have also left the voice mail messages and they have not returned my calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (NC).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XX/XX/XXXX my checking account had {$16.00}. A purchase made for {$4.00} was made on XX/XX/XXXX, but is still pending in my account on XX/XX/XXXX. A check cleared the bank on XX/XX/XXXX for {$15.00} leaving XXXX in the checking account. However, a they charged me a overdraft fee of {$36.00} for the check. They are charging me a {$36.00} overdraft fee for a difference of {$3.00}, and the {$4.00} purchase is still pending. I made a deposit on XX/XX/XXXX that would more than cover the {$4.00} purchase that is still pending in my account. I feel this bank is violating the legal standards placed on overdrafts. As they are including pending purchases that have not cleared as well as charging fees on purchases under {$5.00}, by trying to cheat the rules put in place by the federal government. This bank is violating standards set by the federal government.

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 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME. THE CREDIT BUREAU DISMISSED MY COMPLAINT AND INSTRUCTED ME TO CONTACT THE COMPANIES. I CONTACTED THE COMPANIES AND ASKED THEM TO REMOVE THEM. I WAS TOLD THAT THE CREDIT BUREAU NEEDED TO REMOVE THEM. 1. XXXX 2. XXXX XXXX XXXX 3. XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX 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 01-05-2017 about Credit card () with Alliance Data Card Services (FL).
Issue: Customer service / Customer relations

Complaint: My wife and I have A XXXX credit card ... .my wife ordered a shirt from the store @ XXXX XXXX XXXX store.The shirt arrived was great when she got the bill she called the store @ XXXX and paid the bill over the phone in full ... .the next month she got a bill that stated that the XXXX payment was returned because she paid with a debit card ... ..How was she to know that the charge payment was returned. When she called she was told that they do not accept debit cards over the phone???? Will accept in store so we got a XXXX dollar charge for returned payment and XXXX charge for late payment ... ... .if we were not in our XXXX 's they would not be taking such advantage of us We paid our bill in good faith ..was pleanty of funds ... we were never told that the payment was not accepted till it was too late. Not fair!

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/25/2016 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Late fee

Complaint: I had setup an Amazon Store Card ( Synchrony Bank ) and I believed my cycle date was on the XXXX of the month. I have been paying {$100.00} ( way over the minimum ) on the XXXX and did not receive any notification that I did not pay on time because my actual cycle date was the XXXX of the month. Did not know that I was being charged every month for {$35.00} late payment fee. I contacted them Customer Service XXXX and explained this situation. I was only receiving a email monthly with a link to my account but I could not remember by credentials to access the account. They agreed to only credit XXXX late payment fees and refused to credit the XXXX remaining. That is {$100.00} charges for a customer that uses their services and pays consistently, but because of a mistake regarding bill cycle date. Why did they not send a notification that I was charged a late payment fee to my email or call me so that they could make sure that there was not this situation?

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 11-02-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Only get emails stating a payment is due, I NEVER receive a bill via mail or email to tell me what is due. I can only know what is due by getting on my account and see the amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax has denied me online access to my credit report despite an adverse action against me on XXXX/XXXX/2015 for which I am entitled a free credit report. They advised I am " locked out of their system '' even though I am able to verify and confirm that all my identifying information matches what they have in my file and answer any additional security questions. They were unable to provide an explanation as to why I am locked of their system and are unwilling to provide me with my own credit report or credit file number.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Student loan (Non-federal student loan) with AES/PHEAA (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I set up autopay for my student loan weeks ago. I set it the autopay for the date the bill was due. My due date was two days ago and my autopay has yet to be debited from my bank account. I am now considered late. Late fees have been applied. This payment is now reflecting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: TO : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX CC : Wells Fargo Home Equity Solution XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX I am XXXX XXXX XXXX natural person whom is seeking assistance with filing a complaint against Wells Fargo Bank of XXXX . This is about my primary Residence located at XXXX XXXX XXXX, XXXX XXXX XXXX. 

This notice is brought before you because a " debt collector '', has engaged in consumer debt collection activities within Wells Fargo Bank of XXXX, against me. 

Wells Fargo Bank is attempting to collect the debt in relation to a mortgage Note, which they are not the " original lender '' or " creditor '' to whom the debt was owed. XX/XX/2013, Wells Fargo Denied my request for permanent Modification of my qualifying loan under the Home Affordability Modification Program which was provided to me by Wachovia Bank of XXXX, my original lender. 

I have repeatedly provided Wells Fargo with all my financial information, including bank statements and cash flow analysis showing that the building is self sustaining in it 's ability to repay the Modified Loan Requested. But as of this time, they still refuse to help me save my primary residence. This is a self sustaining rental property, if I receive the Mortgage Modification. 

It is my belief that Wells Fargo is engaged in " Redlining '' for failure to assist me with my property, in XXXX, XXXX, that I believe qualifies for at least one of the many Federal Programs designed to help borrowers maintain the integrity of their neighborhoods as laid out by the Housing and Urban Development XXXX. Therefore I seek your assistance with filing a complaint under Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ), which prohibits " unfair or deceptive acts or practices in or affecting commerce ''. 

I look forward to hearing back from you in an expeditious manner. 


Sincerely XXXX XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XXXX 2015 I reviewed my credit report from the XXXX credit agencies and found inconsistencies regarding medical debts. I wrote letters ( attached ) and Central Financial Control responded with inaccurate information. I am requesting assistance for Central Financial Control to validate these debts. I asked for information and it was not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Debt collection (Medical) with Harris & Harris, Ltd. (KY).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Harris and Harris, LTD send me a letter reference to Collected money from XXXX XXXX XXXX when I started made Money Order payment in XXXX, 2014. They do n't reflected on his Computer. Recenlty The XXXX XXXX XXXX send a Finacial Assistance Award Letter as said The State paid a 100 % per cent, but they do n't believe me because, When I contacted The Debt Collection Agency was recorded on the phone they do n't asked me for The Reference Number of The Award Letter to Confirm as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: The company that colle cts, Navient, g ranted me a deferment on my student loan in    2014  due to loss of income and a period of unemployment. After having my monthly payments lowered to about {$230.00} per month, to be paid on the  XXXX  day of the month for 8 months. I get contacted by Navient shortly afterward indicating that payments were missed. Upon contacting my bank, there were no instances of insufficient funds, and that  Navient  did not withdraw any of the monthly payments, my loan was in default and the deferment cycle has to be reset. This has been happening every year since  2014 . After meeting with m y financial advisor to a ssist me with my credit report, she suggested that I file a complaint, since apparently other customers have had similar experiences with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (Auto debt) with HSBC NORTH AMERICA HOLDINGS INC. (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: My mother was contacted by XXXX XXXX XXXX XXXX on XXXX XXXX, 2017 at XXXX XXXX by a message left on her answering machine. She called me right away and told me that they were trying to get a hold of me for a debt I owed and that if I did n't contact them right away to work a financial arrangement out then I would be summoned to court and possibly sued for this debt. I then called XXXX XXXX XXXX XXXX and spoke with a " XXXX XXXX '' around XXXX XXXX the same evening and she informed me that I still owed a debt from over 10 years ago on an old vehicle I had purchased. She originally told me that I owed a little over {$6000.00}, but that the company would settle for a little over {$2000.00}. She also said that she could talk to one of the attorneys from XXXX XXXX XXXX XXXX and see if they could work out a better deal. I was told that if I did n't pay this debt then for the next 6 months my wages could be garnished for almost {$400.00} a month. I informed her that there was no way this loan was still outstanding because it was over 10 years old and I had totaled my vehicle in which my insurance paid the remaining balance. I asked for an official document to be sent to me via email and when I did this she put me on hold for almost 15 minutes. When she came back on the line she informed me that she sent it over to my email and to check to see if I received it. I did receive an email but it did not appear to be legitimate as there were some errors in the document, one including the misspelling of my last name and it was literally a XXXX XXXX document. The document also stated that the balance owed was almost {$10000.00} now instead of the original number I was given before. I expressed this to her and she stated that it must have been typed up wrong. I am concerned that they are doing this type of thing to a lot of other people who are very gullible and do n't check facts and are just afraid to get sued so can we please get this taken care of. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Yesterday I received a notification that I had a new inquiry on my credit report. I purposely added a fraud alert on all three credit bureaus a few months ago to avoid this from happening. The credit bureaus are out of control right now and do not care about us consumers. I did not authorize anyone to run my credit for any reason yesterday. The following fraudulent inquiry need to be removed immediately. They are violating my privacy rights by just letting anyone pull my credit. XXXX XXXX XXXX - XX/XX/XXXX. Secondly, XXXX is the XXXX. I have constantly complained to them that I had inquiries that I did not authorize. I complained sooooo many times and they do not care!!! The following FRAUDULENT inquiries from my XXXX report need to PROPERLY investigated and removed IMMEDITALELY!!! # 1- XXXX XXXX XX/XX/XXXX # 2- XX/XX/XXXXXX/XX/XXXX, # 3-XX/XX/XXXX XX/XX/XXXX, # 4- XXXX XXXX XXXX  XX/XX/XXXX # 5- XXXX XXXXXX/XX/XXXX, # 6- XXXX XXXXXX/XX/XXXX # 7- XXXX XXXXXX/XX/XXXX, # 8- XXXX XXXX XX/XX/XXXX # 9- XXXX XXXX XX/XX/XXXX, # 10-XXXX XXXX XX/XX/XXXX# 11-XXXX XXXX XX/XX/XXXX, # 12- XXXXXX/XX/XXXX, # 13- XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-11-2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (NJ).
Issue: Using a debit or ATM card

Complaint: I recently opened an account with M & T Bank, and my debit card was stolen, and used to take out money. It happened at work, so any co worker could of seen my pin standing behind me at an atm any of those days. It is sad that you ca n't even trust your own coworkers!! I called M & T Bank to cancel my debit and order a new one, and I had trouble just ordering a new card, and they could n't process it, so told me to call back in a week! I have no money now and no card! How am I suppose to eat, pay bills, or anything?! The first time I called the representative was so nasty and hung up on me! I just want this bank to help me with this problem. I switched my bank to join the M & T family, and I have gotten no help! They have not given any response or resolve. Not even a provisional credit to get me by! They hit with fees from every angle, but ca n't help a customer in need. SAD!

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. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax 's data breach and their options for credit security is not sufficient. They lost all my credit information, and only give us 1 year of identify theft monitoring. After 1 year, we will shoulder the cost of their mistake. Additionally, in order to freeze my credit account, it will cost more money in their own firm when it is their fault they caused this data leak. This is truly unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (MO).
Issue: Managing the loan or lease

Complaint: Collected 2 payments when only authorized to withdrawal one. Credited one payment back & now stating that last payment was on XXXX/XXXX/16 when in fact it was made XXXX/XXXX/16.

Company response to consumer: Closed with monetary relief