milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-05-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: Someone obtained my debit card information/number and used my card for appox $ XXXX-XXXX purchases and gas. I didnt notice until my statement showed a purchase at XXXX in XXXX, CA while I was in XXXX, CA. How could I have possible been in cities XXXX miles apart on the same day? If Bank of America were to check my account for the past 5 years, theyd see I never visit these places that the theif used my debit at. Bank of America has now refused the claim twice. The total of the charges were {$380.00}, claim ID # XXXX. How does someone obtain your card number and use it and how is the bank not responsible to keep your monies safe?

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 08-09-2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I XXXX XXXX do not owe XXXX I paid them Before account went into collection I am attaching my payment receipt and I would like XXXX removed from my Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MO).
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/18 I saw 2 charges to my credit card, one for XXXX and one for XXXX that I had no clue what they were for. There was a phone number with the charge and I called and was told I had made a trial purchase and had 14 days to cancel the trial or be charged the above amounts. I told the merchant I had not made this trial purchase and had not agreed to thus and asked them to cancel this and refund me my money. They refused to refund me but did cancel future purchases. The company that did this was XXXXXXXX XXXX  XXXX. 

I also filed a dispute with my credit card ( citi bank ) and sent in 2 different responses. They allowed the charge and did not support the fact I was wrongly charged. I plan to close the credit card and hope this will not affect my credit. I have not did this yet as I am trying to resolve this first. 

The reason my credit card is stating they allowed the charge is that I did not cancel the order until after I was charged. This makes no sense as I can not cancel something I knew nothing about and had not authorized. 

I had ordered something from the company but my order had no strings attached to it but they claim it did. i have my invoice, my packing slip and nothing shows that I would be charged. 

I am asking for your help with this dispute and also help in ensuring as I close this credit card it does not affect my credit.

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 05/19/2017 about Debt collection (Auto debt) with NCB MANAGEMENT SERVICES INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is not licensed to collect in the state of Texas

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Mortgage (Conventional fixed mortgage) with STONEGATE MORTGAGE CORPORATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Stonegate Mortgage massively over charged me for escrow payments XX/XX/XXXX. Their website and telephone rep claims they issued a refund to me for {$1000.00} on XX/XX/XXXX. Today is XX/XX/XXXX. Not only have I FAILED to receive a refund, but Stonegate Mortgage has also FAILED TO PLACE THE NEW ESCROW ANALYSIS ON ITS WEBSITE. The one available now is dated XX/XX/XXXX LAST YEAR!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2015 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Credit line increase/decrease

Complaint: I own a small company that has been using American Express credit cards to pay for court filing fees for our clients for over XXXX years. My accountant received a call yesterday from Amex stating that they were reducing our limit from {$280000.00} per month to {$50000.00}. I joined the call and spoke with several managers ( all recorded ) and was told the reduction would take place in XXXX hours, that I could appeal but it would take XXXX days after I compiled the information they require for them to make a decision, and that there was no other options. I asked if they had planned to notify us by mail and they stated a letter was going out that day ( yesterday ). When I asked why they decided to reduce the credit limit with almost no notice I was told we had been late on XXXX payments. I reviewed both payments with them and provided statements from their system that our payments had in fact been made early, not late, and that we had not been late on these or any payments in the past. We are require by the courts to pay for most case filings with a credit cards ( eFilings ). This is a service that we provide to our clients and in most cases the filings are timely and must be filed promptly to meet filing deadlines. Because we were only given XXXX hours notice, we will be informing our clients that we will not be able file their cases until I am able to secure a different credit card with a high limit or get the appeal settled with Amex. We will also see our credit score drop dramatically because the reduction in the line will cause our loan-to-available-credit ratio dramatically increase. I believe this act should be considered Unfair, deceptive, abusive acts and practices as defined by the Dobbs-Frank Act. Had we been given enough time to respond and appeal prior to the massive reduction taking place, the chances of loosing a large client would have been far less. As it stands now we are scrambling to find a new solution and to compile the financial information requested by the underwriters at Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Debt collection (Credit card) with Kramer & Frank, P.C. (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Debt collector sent false documents and once this was revealed had the whole XXXX XXXX COUNTY GOV BUILDING committing violations of fraud to from judges making false claims to the recorder office tampering with evidence. The case is explained step by step in attachment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Meade & Associates, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My daughter had a roommate back in XXXX. Apparently there were " move out '' charges to XXXX XXXX XXXX which were billed to her roommate. The debt was apparently paid in full on XXXX/XXXX/XXXX. However, in XXXX XXXX a negative delinquency appeared on all XXXX of my credit bureaus ( I am told I co-signed my daughters ' lease for her first XXXX apartment, although neither of us recall me doing so ). This is a full year and a half after the obligation had been met and resolved by her ex-roommate. At no time was I made aware of any outstanding debt to the apartment, nor was my daughter ever informed of such. They only communicated to the delinquent renter. 
My issue - while they are willing to have it removed, it can take until end of month before it 's sent to all XXXX bureaus - and then you add on however long it takes the bureaus to update. I am going for a new construction loan for a house I 'm building in FL. This single item on my report dropped me from XXXX to XXXX. This severely impacts any terms and approvals I will get on my construction loan. 
I 've maintained excellent credit my entire adult life - and this mistake - sending something which has been resolved 18 months AFTER it 's been fully resolved to a bureau to reflect on my credit rating - at a time when I 'm applying for this construction loan - is unbelievable. The fact they ca n't get it removed from the XXXX major bureaus, after having no issue putting it there in the first place, needs to be addressed. 
The credit reporting company is Meade and Associates - XXXX XXXX XXXX, XXXX, OH.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02/20/2018 about Checking or savings account (Checking account) with U.S. BANCORP (OR).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: On XX/XX/18 I made a XXXX dollar purchase on coinbase. on XX/XX/18 my online banking shows it went through along with a XXXX dollar " international ATM '' fee. 

then at a later date it shows that XXXX refunded my purchase, and debited it again. This added ANOTHER XXXX $ fee. 

XXXX released a statement that said basicly the entire thing was visas fault. That people effected should contact t their bank for refund on fees. 


on XX/XX/18 ( today ) I noticed this and called US BANK. US BANK said they would waive the fee. they put me on hold. they came back and said it wouldn't let them waive the fee because " it's a charge from coinbase. '' and then can't waive it because it's coming from coinbase. 

coinbase release : https : XXXX I want my XXXX dollars. 


Not only that, but it's a joke that XXXX is saying coinbase is an ATM when the IRS lists crypto as an asset, and not currency.

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 Debt collection (Medical debt) with Accelerated Creditors Services, Inc (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have contacted this company several times to get validation of this debt they are saying that I owe. They have failed to respond. This is impacting my credit rating and I need this resolved or removed from my report immediately. I do n't know what this is for and I 'm trying to get a contract bearing my signature saying that I owe them anything so I can resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Harris & Harris, Ltd. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: our son ( XXXX. ) old incurred the debt and the collections company is attempting to collect from us his parents who had nothing to do whatsoever with said debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Mortgage (Conventional fixed mortgage) with LENDER LIVE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: 3 issues. 1 ) they are unresponsive or extremely delayed in any attempt to get the PMI dropped. 2 ) they collect the escrow fees for insurance but did n't pay it and now I have a cancellation notice. 3 ) horrible customer service ... ..It is not right that a consumer is forced to work with whatever mortgage company buys our loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Mortgage (Conventional home mortgage) with BB&T CORPORATION (GA).
Issue: Struggling to pay mortgage

Complaint: Mortgage was sold from XXXX to 3 different companies and wound up with BBandT. 
Each time mortgage was sold i was in a loan modification. I had just completed a loan modifi ation with bbandt on XX/XX/XXXX. Then without notification home was put up for foreclosure and bsnk bought it on XXXX XXXX, 2017. Found out by neighbor who saw it in the paper.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Mortgage (Home equity loan or line of credit) with THIRD FEDERAL SAVINGS & LOAN ASSOCIATION OF CLEVELAND (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I received a " demand '' letter on my 2nd mortgage with Third Federal, giving me 35 days to pay them {$50000.00}. This mortgage had been " written off '' supposedly as I was a casualty of the Great Recession having lost my full-time job in 2009. I was unable to send them the {$50.00} per month payment for the last several years as I was also carring for my adult son who is on social security XXXX. This letter came out of the blue as the first mortgage is current. I recently got a full-time job which is a miracle as I am XXXX years old and receive social security. I certainly can not pay the balance off. Third Federal refuses to return my calls. I make too much to qualify for help from Legal Aid but am unable to afford an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Closing/Cancelling account

Complaint: I cancelled my credit card with Bank of America approximately six months ago. At the time my online account was unlinked from my card account. My credit report from transUnion is now showing that the account is 120+ days past due. I am unable to log on to my account online to check the account status. My account should have been cancelled before any late fees or interest accrued to make it past due.

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 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
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: Once again, there is activity that is INCORRECT being reported by XXXX XXXX, XXXX regarding my mortgage loan. 

Once again, after filing a complaint. I am met by retaliation by someone within the company, XXXX XXXX, XXXX. This is not the first time this has happened. It has happened on several occasions. I am now attaching screenshots of what is being reported by someone at XXXX XXXX, XXXX. 
I have personally met with my personal bank and have attached all checks that were cashed per month by XXXX XXXX, XXXX. I have also attached the payment history showing all payments that were paid to XXXX XXXX, XXXX since the start of my VA mortgage loan. Those documents have been mailed off to each credit bureau. 

Now ... someone at XXXX XXXX, XXXX is once again, turning in incorrect information regarding payments that are not being reported. I believe as a clear means as retaliation regarding complaints sent to several bureaus. Someone at XXXX XXXX, XXXX is still removing payments that were prior on my credit report such as XXXX 2017 payment. 

If you are going to report my VA mortgage loan. You have an obligation to report it correctly. XXXX XXXX, XXXX has literally changed my credit report information on more than five occasions since XXXX XXXX, 2017. 

The current reporting is INCORRECT. I have made payments that are not being shown. The payments need to be reported correctly that reflect the payment history sent by your company, XXXX XXXX, XXXX. 

I have once again filed not just this complaint. But with all credit bureaus. Clearly this is abuse of power, flatulent and down right ridiculous to still continue with inaccurate reporting, not reporting or incorrectly reporting with regards to my VA mortgage loan payments. 

As told by an attorney. XXXX XXXX if they are to report your mortgage payments to the respected credit bureaus, in which, they clearly have to all three credit bureaus. XXXX XXXX, XXXX has a responsibility to report it correctly. Someone at XXXX XXXX, XXXX has reported as you can clearly see on screenshots. " Under a partial payment program. '' I am NOT under a partial payment program. I have paid more than on some payments, MORE, than my initial loan contract. 

Once again, I am demanding that my payment history reflect what is on the current XXXX XXXX XXXX payment history that was mailed to my home. 
I am once again, demanding that my FICO score by reinstated to reflect the correct changes. 

As per my phone call with XXXX this morning. It is someone at XXXX XXXX, XXXX submitting the incorrect information. XXXX XXXX XXXX needs to fix this ongoing issue ASAP. 

Sincerely, 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 non-monetary relief
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: PLEASE FIND ATTACHED THE CREDITORS LETTER FOR WHICH THEY HAVE APPROVED TO REMOVE THE LATE CHARGES AND NEGATIVE MARK FORM MY CREDIT REPORT SINCE I WAS A XXXX XXXX AT THAT TIME AND FOR SOME REASON IT WAS NOT PAID ONETIME. PLEASE HAVE THIS REMOVED FROM M Y CREDIT AND ALL THREE BUREAUS

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 08-01-2015 about Credit reporting () with Financial Credit Network Inc (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Fin Crt Nwt Accounts # XXXX & XXXX, are the same accounts. It was on their as XXXX separate accounts at one point. I requested them to be looked at XXXX months ago by credit bureau as duplicates. Financial credit and I have been going around for years. I pay an account. They claim it was for a different account. Give me every excuse in the book why I 'm wrong. I paid on a different account. Then they Make another account look like its a new account when it 's well over XXXX years old if not longer. XXXX women collections staff members are very unprofessional. Talk to you rude and very disrespectful. I had to stop answering my phone due to them raising my XXXX XXXX and getting angry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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 hired XXXX last year that I pay {$99.00} a month to remove all negative items referencing my previous CHXXXX Bankruptcy which is Officially Discharged and paid in Full on XX/XX/2017. They are having No success with the three reporting bureaus. XXXX, XXXX   and Experian is reporting negative items incorrectly and should be removed or updated. They have duplicate items. Since the 3 reporting bureaus report information about consumers to a CRA, they are subject to the FCRAs Furnisher Rule, which requires that : 1 ) information that is furnished must be accurate and complete ; and 2 ) consumer disputes about the information you provide must be investigated.

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 04-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This account has been Paid in Full as of XXXX, 2015. Please remove this erroneous account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EOS Holdings, Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: After reviewing my credit report, I noticed several mistakes. There were names and addresses that I do not go by for starters. Also, the accounts that reported to collections were medical bills. I was always covered under my parent 's insurance, and the balances shown on my credit report were inaccurate. There were several companies that I did not recognize or sign a contract with. I did not agree to pay the interest tacked onto my bills either. I requested an itemized statement and contract, but never received either. Instead I received one generalized collection letter that explained nothing! I disputed these errors with all 3 credit bureaus, and only a few were resolved. This is extremely frustrating for me because my credit has been significantly hurt because of these errors of medical billing offices. I have exhausted all efforts in resolving these accounts, and they wont even send me supporting documents to their claims. If they can not provide adequate paperwork, then they should remove this off my credit as the Fair Credit Reporting Act regulates.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a mortgage on my current house and has always been on automatic draft out of my checking account. My mortgage company paid my county TAX bill late ( -- even after several phone calls to them advising them I was receiving late notices ) -This caused my county ( XXXX ) to put a tax lien on my credit report and now I cant get them to correct it. This has hurt my credit rating and I have dropped from an Excellent rating to a Good rating. I have made many documented phone calls and emails to XXXX will not do anything to correct the situation. I have notified the Credit Reporting agency and XXXX XXXX and nothing has been done in over 2 months. Please Help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (GA).
Issue: Managing the loan or lease

Complaint: I borrowed XXXX. I had not been informed of the 850 % interest rate on the loan, that I was told there would be a {$260.00} finance charge, not {$4000.00} in total payments, and that I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. This is illegal.

Company response to consumer: Closed with explanation