milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/22/2015 about Consumer Loan (Installment loan) with Bliksum, LLC (WI).
Issue: Problems when you are unable to pay

Complaint: I 've had a loan from LoanMe since XXXX 2015 ( formerly XXXX that was wither shut down or on the verge of being so ). {$5000.00} at over 100 %. That 's not my complaint as I knew the rate was high. 

My issue is my personal bank account linked for monthly payments was hacked into. Due to this, My XXXX XXXX payment is a bit late here ( XXXX days as of today ) as my checking account was closed by the banks fraud department The calls from LoanMe started XXXX XXXX and are relentless. Over and over on my cell and at work. As of today I am up to XXXX calls from them in XXXX days! Yes, I can prove it with my cell ID and Phone at work call history. 

Last Thursday I spoke with a Supervisor and told him my situation and intentions for payment and that it should be within a week or so as I am waiting to be reimbursed by my Bank for the " Hack '' of close to XXXX from my checking account. Additionally, I am closing on a credit union loan to pay it off in full. He proceeded to start telling me when he needed money he would go to friends or family and asked why I would n't do the same. The degrading went on and on so I finally hung up. 

Since then, XXXX days have passed and another XXXX calls from them. I finally picked up today and explained my situation again. The female rep stated I should have my money back from the bank by now and suggested we do a XXXX way call to XXXX bank and she would speak with them. I hung up on her also. 

I have never had a loan from anywhere that pulls these tactics and is so aggressive let alone tells me what I need to do to seek money from others to make a payment. And .... the payment is only XXXX days late as of today. It is n't even XXXX days late AND I have been talking with them. 

Nothing short of Loan Sharks and as worse if not worse than payday lenders with their aggressive tactics. 

And, by reading may many online reviews, I am not the only one experiencing thisShame on this Company!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit card () with BARCLAYS BANK DELAWARE (PA).
Issue: Closing/Cancelling account

Complaint: 1. On XXXX XXXX, I read my XXXX Red MasterCard statement and there are XXXX charges appeared fraudulent ( total {$250.00} ). I called in right away and I was assured the account was closed, and amount under investigation. 
2. I received phone calls asking me to pay, I refused and spoke with various people and again reassured that the account was closed and I am not responsible for the amount ; just wait for the paperwork. 
3. On XXXX/XXXX/15 someone called my husband ( whom is not on the credit card ) and he paid ( total {$250.00} ). I called my bank to dispute the amount as soon as he told me that he paid the above amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-07-2017 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: Victim of identity theft, numerous accounts opened in my name. Please close account, do not send new cards, and remove account off of all XXXX credit agencies. 
Citibank was asked to close all accounts in XXXX XXXX, remove all e-mail communications, and continued to send numerous cards and account numbers. All accounts disputed. I opted out of arbitration with Citibank after receiving a letter from them stating it had to be done by XXXX/XXXX/XXXX. I sent an Opt Out of arbitration on all accounts on XXXX/XXXX/XXXX and received documentation from Citibank that out of XXXX accounts addressed out of XXXX that XXXX account did not meet the criteria for Opt Out because it was received after their deadline, when all were sent on the same day. I have sent FCRA documentation with identity theft report, police report, and documentation of identified Banks that had closed accounts. I received a Collection letter originating from a Citibank account ending in XXXX that was sent XXXX XXXX, XXXX from a XXXX XXXX XXXX. Then, I received a letter from Citibank that was sent regarding the same account that was sent XXXX XXXX, XXXX that stated that if I did not contact them by XXXX XXXX, XXXX the account would go into collection after I had already received a letter from the XXXX XXXX XXXX on the same account. I still get e-mails about accounts I have no idea what they are after requesting no e-mail communication by Citibank. Privacy settings were changed through Citibank when I never initiated anything online. Citibank continues harassment and intimidation.

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 05/16/2015 about Debt collection (I do not know) with NCC Business Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Basically in XX/XX/XXXX I moved into an apartment with my sister. By XX/XX/XXXX I moved out of the city, signing myself out of the lease. Unfortunately, my sister broke lease a few months later and was offered to move out and owe money instead of having an eviction on her credit. She agreed. The problem I have is that I was gone before XX/XX/XXXX, and yet on my XXXX report it says that as of XX/XX/XXXX I share responsibility in owing {$3000.00}. That 's ludicrous. My biggest problem, unfortunately, is that I did n't retain proof of signing off because, stupid me, I did n't believe I 'd need it. What can I do to get rid of this score leech on my report? Now that I 've lived on my own for 2 years successfully, I 'd like my credit score to not be in the red. 

On top of everything else, I received absolutely NO communication about this. I just happened to check my XXXX XXXX account and it just magically appeared there.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Payday loan () with Bliksum, LLC (WA).
Issue: Charged fees or interest I didn't expect

Complaint: I pay XXXX % interest on XXXX. I knew about this but you do not have an OTHER so I can not tell you what most closely describes the problem. Here is that very problem : I 'm paying 118 % and did in-fact, STOP the auto payments from my bank account. Simple DEAUTHORIZE it. but, the problem is, I do NOT believe the XXXX % FAIR and I wo n't be paying it off until XX/XX/XXXX. 

That 's XXXX and XXXX style loans. The only difference is, you do n't " sleep with the fishes '' or " wear cement shoes ''. 

This is XXXX and they DO NOT help rebuild your credit, they DESTROY your credit, hassle and harass you every month when your loan payment comes due. 

I 'm just now getting on my feet and I BELIEVE that I paid them MORE than enough at $ XXXX a month in INTEREST on {$3000.00} since XX/XX/XXXX. That 's roughly {$6400.00} since XX/XX/XXXX and MORE than XXXX their money. 

I 'm tired of this and I WANT IT TO END. How is this allowed by XXXX XXXX and the Banking XXXX? How??? 

Do you, the FEDERAL Government XXXX this to happen? How???

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Equifax is still reporting refuse to delete from credit report even though XXXX and XXXX is no longer reporting. XXXX XXXX is reporting as a chargeoff but we are in a settlement the wording should be changed to paying as agreed, I received a letter from them in XX/XX/XXXXstating that they were reporting the account incorrectly and that they would remove the account, now they are saying I had two accounts with the same last 4 account numbers which makes no sense.
I 've attached file from XX/XX/XXXX credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: My Bank of America Debit Cards were stolen from my vehicle while I was outside of the U.S. My debit cards were in the backpack along with other personal items. Thieves managed to withdraw money from my debit cards in amount of {$39000.00} in total. I contacted BoA ATM Debit Card Fraud Services for assistance and help. Based on their policy Bank of America will credit fraudulent charges made with your card back to your account as soon as the next business day. They told me it will 10 business days to investigate the case. After 12 business days the claim was not paid with no reasoning behind. After long conversations with customer service representative, the answer was that " those transactions were done by me based on the film they have ''. However, it was a complete non sense because I was outside of the U.S. and it is impossible to withdraw money from an ATM within U.S. while I am outside of it.
After, contacting the bank and faxing my travel documents and airport stamps on my passport they decided to reconsider the case. Second refusal for the claim was made based on a reason that I accessed online banking multiple times during the period of those transactions, which isnt true. Hence, I asked for documented proof of IP address login details. The answer was they are not able to provide it. Hence, the case is still being reconsidered. Everytime they are trying to find an excuse not to reimburse my money. Each reconsideration of the claim results in completely different answer. I gave them the police report, my travel stamps on the passport and insurance claim number as a proof of the incident.

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 09-01-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: I have overdraft protection on my bank account, yet my bank does not honor it. I understand that the bank still charges an overdraft fee, buy are n't they supposed to therefore cover the payment that caused the overdraft? All I want from this service is for it to protect me from being charged twice, once by bank, and second from business check or transaction was made out to. Am I wrong, or is n't this what overdraft protection for?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (WI).
Issue: Problems when you are unable to pay

Complaint: I tried to pay my car loan

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CA).
Issue: Confusing or missing disclosures

Complaint: As of XXXX17 ' I made a transfer of {$4300.00} to my Coinbase account. The withdraw was from my XXXX XXXX. Funds, USDT, were transferred using my Bitcoin Address. Copy pasted the BTC Address : XXXX for me to transfer the USDT over to my USD Wallet on Coinbase. The transaction went through but I only received XXXX cents, still pending status, in BTC ( XXXX BTC. ) The transaction is here for anybody to see by clicking the link below. When going on the XXXX website, please copy paste the BTC Address, shown above, to view the current balance. The balance shows the XXXX cents in BTC and the rest of my funds in USDT. The funds are still there but without the Private key I can not access my funds. Coinbase, under their terms and condition, states that the private key is held by them and is not to be handed out due to privacy concerns, to which I understand. However, the address is my address and nobody elses. I understand if I sent the wrong funds to the wrong address and I am asking the for the private keys to the other individuals address, ultimately asking for their bank account information, however this is my account and my wallet so this should be a feasible task for coinbase. I tried another transaction to the same address and my {$10.00} in BTC came to my account without an issue, so I know I still have access to my account.
Public Transaction XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with fraud alerts or security freezes

Complaint: Online security freeze is unavailable at all three of the major credit reporting agencies for at least the past three days. The specific issue encountered at each company are below.
TransUnion - " We are unable to process your request at this time. We appreciate your patience while we resolve this temporary issue '' ..occurs AFTER logging in and providing personal information XXXX - `` System Currently Unavailable - Error 500 '' or " We are currently unable to service your request.Please try again later. " ..occurs AFTER providing personal information and accepting terms of use XXXX - Page fails to load : XXXX XXXX XXXX Aside from the persistent errors above, the process to establish a security freeze at each company is clearly designed to discourage consumers from actually doing so. Every alternative option is presented prior to the security freeze and in many cases the company provides reasons to dissuade consumers from electing a freeze. They present freezes as a measure of last resort rather than a rational action.
Normally I 'm not one to advocate for regulation, but this industry is indifferent to the risk they pose to 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 02/20/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: This is a follow up in dispute of FedLoan 's practices as described in my previous Complaint # XXXX. On XXXX XXXX, 2017, my dispute explains that althgough Fedloans has agreed to reverse the forbearance they forced onto my loans after I called them out ; they proceeded to implement the same issue- a new forbearance, on XXXX of my loans. 
I do not know why they insist on forcing these forbearance 's on me, especially since all I requested was a re-calculation of my loan payments. 
Why ca n't Fedloans just let me keep paying my bill until they give me my new payment amount? 
I believe that Fedloan Servicing is forcing forbearances on people under the premise of waiting for the calculation of new monthly payment totals. 
I have attached the interest notice that I received in the mail. 
Again- I did not ask for a forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I got a certificate of {$500.00} from Chase bank to open a checking account. I sat with a representative for one hour and she tried to put my accounts online when she told me she had to abort the opening of the accounts. This same process has happened XXXX times with Chase bank. I submit docs for direct pay and 3 to 4 months later they close my accounts without a legitimate reason.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: incorrect namws address and mispellings of employers

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 09/28/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Billing disputes

Complaint: 1 ) Applied for a Capital One credit card online. 
2 ) Received a notice by mail requesting that I call them with additional information. 
3 ) Called them with additional information and was told a card account had been approved. 
4 ) Received Card. 
5 ) Attempted to enroll card online so I could see statements, etc. Blocked from doing so. Advised to call them again. 
6 ) Called them again. Forwarded to a " Fraud Supervisor '. Asked many intrusive questions. Wasted nearly half an hour. Advised that card had been successfully activated. 
7 ) Received two letters stating that they thought account was opened fraudulently. Ignored letters because I believed the matter had been resolved during the excessively long phone call. 
8 ) Used card several times. 
9 ) Card stopped working. 
10 ) Today, XXXX, became concerned that first payment may be due, but have not received a statement yet. Attempted to enroll card online again to see statement. BLOCKED. Advised to call. 
11 ) Called. " Fraud Supervisor '' wasted about 8 minutes of my time jerking me around. I advised her that I would cancel the account if the problem was not resolved in the next couple minutes. She asked for my cell #, which I absolutely will not provide to an entity that shares/sells my personal information, as they do. 
12 ) Became frustrated and cancelled my card. 
I HAVE NOT RECEIVED A STATEMENT and I am concerned that this account will become delinquent because of Capital One 's actions.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX XXXX Account # XXXX I was never 30, 60 or 90 days late in the month of XXXX and XXXX XXXX. 

I 'm not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.

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 05/27/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America was supposed to modify my mortgage from 6.75 % fixed to the current rate 4.00 % Fixed. I was told to call XXXX, when I did, I was told that my paperwork had been lost.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Bank account or service (Checking account) with BB&T CORPORATION (MD).
Issue: Account opening, closing, or management

Complaint: This complaint is about Susquehanna Bank. On XXXX XXXX, I opened a checking account with Susquehanna. At that time, I DID order checks, as is usually the case when opening a new account. Ten days later and AFTER emailing the branch manager ( who did open and receive the emails ) I learned that the checks had never been ordered. I called the branch manager who did not return my calls. I called the region manager who failed to return my calls or emails and who could not be found by her staff. I called the VP of retail operations and he said that he would take care of it. Then he called back and said that he was closing my account immediately on XXXX XXXX. He claimed that I had worked my way up the chain of command and he did not accept that. 

I expect the account to be reopened, checks to be sent to me and my debit card to be reactivated. I should note that my SSA deposit is due to be made on XXXX XXXX and the account must be open to accept it. The Retail operations VP ( XXXX ) refused. I have had to pay an attorney to contact The banks general counsel who failed to respond to his calls and emails. I also contacted the President, XXXX XXXX and his superiors at BB & T which is acquiring the bank. No response I should note that I am XXXX under the ADA.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Mortgage (VA mortgage) with LAKEVIEW LOAN SERVICING, LLC (SC).
Issue: Trouble during payment process

Complaint: Our mortgage was transferred from our original signatory agency, XXXX XXXX XXXX, XXXX, South Carolina to Lakeview Lone servicing in or around XX/XX/XXXX. I don't have an exact date because we were never informed, sent any information and most importantly no bills were delivered either via traditional mail or electronic means. 

During this time I was XXXX on a detachment with the XXXX XXXX. My wife was at home tending to the bills. After attempting numerous calls, none of which reached an actual person, she was unable to contact the company for well through XX/XX/XXXX. During this time, we also did not receive any paper bills, the first one finally arriving in XX/XX/XXXX. When I returned, we were finally able to get a hold of person ( after multiple days of trying ), and pay our entire overdue balance and the first contact with the company. Despite this, the company still reported to the credit bureau that we missed two mortgage payments. It should also be noted that we were never notified via phone call, text, e-mail or letter that we were in default during this period. They simply reported the missed payments without any notification to us what-so-ever. 

I have never been in default of a payment with any credit agency before or since this interaction with this company. Because of their actions, my credit was negatively impacted enormously, something I have maintained for years. 

I humbly request the assistance of the CFPB to have this blemish removed from my credit report. As a military member, I have to move quite often and this will very negatively affect my interest rates in the future. 

Thank you very much in advance. 

-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