milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Using a debit or ATM card

Complaint: My name is XXXX XXXX and I filed a debit card claim on XXXX/XXXX/2016. I am appalled at Bank of America 's blatant disregard for the importance of my claim. Bank of America had failed to thoroughly investigate my claim. I was told that my claim # XXXX was denied for XXXX reason and that the other XXXX claim numbers # XXXX & # XXXX were denied for the same exact reason in which was just copied and pasted to the other claim results. If thoroughly investigated how can the denial reason be the same when a pin was n't used for claim number XXXX. After conducting my own investigation it was determined that was a gasoline charge ( no pin transaction ) and the other claim ( XXXX ) was done on a totally different day ( A week and a half prior ) and only brought to my attention by the representative that filed my claim on Saturday ( 2 days ago ). 

This is my very first bank account and I am an XXXX XXXX XXXX college XXXX. So I am very aware that it is impossible to conduct a thorough investigation in less than XXXX hours ( non business days ). I have been working with the police department and school security and they have determined that it is impossible to conduct a thorough investigation. I would like surveillance cameras looked over and witnesses questioned. That was my college refund money that was compromised and my bills depend on the money that was in my bank account. The incident occurred at a casino mile s away in North Carolina while I was at class. I have gotten statements from my professors who could attest that it was utterly impossible to be in XXXX places at once. 

For Bank of America to be XXXX the biggest banks in the world. I ca n't believe that my claim would not be thoroughly reviewed. And not only was it not reviewed it was concluded based on a lie. How can you take XXXX claim conclusion and place it all on XXXX claims with XXXX totally different circumstances. Whoever reviewed this case did not represent Bank of America and it 's alleged dedication to its customers appropriately. 

Therefore, I am requesting a thorough investigation as well as a provisional credit until the investigation is concluded. I would also like a detailed report of the investigation. 

Bank of America has refused to honor the letter from school and XXXX PD stating that I am not a suspect and that pin was compromised with my card and other personal information.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: On XX/XX/XXXX I submitted a dispute along with identification and original police report documents for myself and my sister who was a victim at the time as well. This dispute was sent via mail to XXXX, XXXX and Equifax reporting services, according to the Fcra section 605B, all information that is a result from a case of id theft will be blocked in 4 business days, until the day of this report we have not heard back any response of the status. I would like the situation resolved by unauthorized info being blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Accelerated Receivables Management, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the bill in XXXX 2015. I spoke to XXXX XXXX that told me that I needed to dispute it first so that you guys will send something to them and then they can take this off my credit. This is just ridiculous that I have to take all these steps to get it removed. I 've attached my receipts that XXXX XXXX sent to my email. The bill is paid in full.

Company response to consumer: Untimely response
Consumer complaint received 12-01-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have repeatedly notified Experian credit reporting agency that XXXX XXXX XXXX with account number XXXX is currently reporting this account as a charge off for {$17000.00} in addition to the wrong open date for the account. This account was included in chapter XXXX bankruptcy and needs to be updated to show discharged in chapter XXXX bankruptcy. ( please see attached supporting documents ) I have also repeatedly notified Experian that Security Service federal credit Union with account number XXXX is currently reporting as a $ XXXX off in addition to the wrong opening date. This account was discharged in chapter XXXX bankruptcy. ( please see attached documents )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (UT).
Issue: Loan servicing, payments, escrow account

Complaint: Shellpoint Mortgage is missing XXXX payments from XX/XX/XXXX and preventing me from refinancing from 6.25 to 3.33 percent. I have been trying to get them to look at my account since they took over the servicing in XX/XX/XXXX and correct my account as they have been sending me notice of defaults since XX/XX/XXXX. I have proof of when my payments were sent, cashed and applied ( or in this case not applied ) and have sent them letters asking them to correct my account. I am now getting phone calls from Shellpoint asking if I would like to make additional payments to them to get my account current. No one will return my phone calls or respond to my emails or letters asking them to correct my information. I am attaching some of the correspondence so you can see how often I have been trying to get a hold of someone at Shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 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 utilized my report improperly by divulging my confidential information without consent. Equifax confirmed on their website that my information was impacted by their data breach. Meaning : I am now at a significant risk of dealing with accounts being opened fraudulently with my information and also my existing accounts are at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (VA).
Issue: Charged fees or interest you didn't expect

Complaint: I applied for a loan of {$500.00} online on XX/XX/2017. The page with the terms of the loan would not load until I electronically signed it. It finally let me see the terms after the money was deposited the next day. I also believe that this was an illegal loan offer for a Virginia resident even though they claim tribal immunity. Tribal law should not apply. Other payday loan companies such as XXXX XXXX XXXX and XXXX are no longer allowed to offer loans to Virginia residents because Tribal law doesn't apply and is illegal in this state. My interest rate was a whopping 474.8426 apr. My first ten payments of {$100.00} biweekly all went to interest. I paid a total of {$1700.00} in interest on this {$500.00} loan. I asked for a refund for the interest amount because I should only be responsible for the principal. I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Bank account or service (Savings account) with DISCOVER BANK (NJ).
Issue: Account opening, closing, or management

Complaint: I opened a savings account with Discover Bank under a promotion they offered promising a {$100.00} bonus after meeting certain requirements. I met the requirements, confirmed with Discover customer service that the requirements were met, and never received the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Unsolicited issuance of credit card

Complaint: I am opted out from receiving promotional offers of credit, and my credit reports are under a freeze pursuant to North Carolina law. 
Despite those measures, Citibank improperly accessed my personal credit report and sent me a pre-approved offer of credit. 
I asked Citibank to assist me in removing their unauthorized inquiry from my credit report, but they refused to assist me. Citibank provided no assistance in resolving this matter. 
Citibank obtained my personal credit report without my permission. I have no account with Citibank. I do not owe Citibank any money.

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 09/18/2017 about Debt collection (Other debt) with Harpeth Financial Services, LLC (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a letter from ADVANCE FINANCIAL saying they were going to take out {$280.00} from my checking account on XXXX/XXXX/XXXX. On Saturday, XXXX/XXXX/XXXX, I called them ( they are open XXXX ) and told them I could not afford that amount coming out. I told them that I could pay {$25.00} the following Monday, XXXX/XXXX/XXXX. The representative ( I did n't get her name XXXX agreed to the arrangement. On Monday the XXXX, I found that {$290.00} had been drafted from my account. I called Advance Financial again to find out if they took it. The representative that I spoke to ( did n't get her name either ) said that they had not yet taken anything out of my account and confirmed the earlier arrangement. I then went to my bank to find out who took it out. They said it was Advance Financial. I then called Advance Financial again and got a male representative. He said that the draft was put in motion on the XXXX, which was why it was n't stopped by the arrangement on the XXXX. I then asked him why I was told by a representative earlier in the day that they had not yet taken anything out. He said he did n't know because my account showed that I called earlier in the day, but not what was discussed. 1 ) The rep I spoke to on Saturday XXXX XXXX ) did n't tell me this transaction was pre-arranged, already in motion and would n't be stopped or changed no matter what I did. 2 ) The rep I spoke to today XXXX XXXX ) LIED to me when she said that they had not taken anything out of my account today. Now I have to borrow money from yet another company to cover outstanding checks and debits in order to prevent them from bouncing, thereby causing overdraft fees, thereby causing even more debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I recently received a default letter from Ditech saying that they have n't received my XXXX XXXX mortgage payment. I have proof/documents that I have been making monthly mortgage payments. I spoke with a Ditech supervisor ( XXXX XXXX ext. XXXX ) and he says that my mortgage payment has been placed into Escrow. XXXX then says he will need to research my account and he will call me back once he had some more information. XXXX has yet to return my call and each time I try to contact him, I get his voicemail box. I call Ditech again XXXX/XXXX/XXXX and speak with another representative who tells me that my XXXX XXXX payment has been used to pay bankruptcy fees. I began to tell her that was incorrect because all fees were paid and discharged through Chapter XXXX bankruptcy court. The representative says she will email me a document that would verify where my mortgage payment went. I have yet to receive this email. There has been ongoing problems with Ditech misapplying my mortgage payments ever since my mortgage was sold to them from Greentree. The attached documents outline payments and letters from Ditech. The highlighted areas show information where Ditech claims I am in default {$1300.00}. I am only to make XXXX XXXX payment of {$690.00}. Ditech is now sending notices to pay this false {$1300.00} payment. Also, I am due to pay XXXX payment but I am hesitant to send it in because I am unsure how Ditech will apply it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Debt collection (Medical) with AVANTE (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was XXXX in the military when I went to the hospital in XXXX XXXX. The hospital failed to submit the bill to XXXX ( my insurance at the time ) in a timely manner. I contacted the hospital and XXXX to resolve the debt. From my understanding it was paid. I was then contacted by a debt collector ( XXXX XXXX ) in XX/XX/XXXX after they reported it on my credit report. The debt was resolved and removed from my credit report. Almost four years later, just recently in XX/XX/XXXX I was notified that the debt was bought from XXXX by Avante and the debt was still valid. I disputed it and asked for verification and they reported it on my credit report and reaged the debt to XXXX/XXXX/XXXX. I contacted the hospital and they said there is a zero balance on my account and it is too old to offer any additional information. I contacted XXXX as well and they too said that the debt is more than five years old and they also do not have a record.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Struggling to pay mortgage

Complaint: I have a previous complaint that is still in progress. I finally got a hold of the mortgage company Carrington Mortgage and found out what I needed to complete the loan modification. I waited for weeks and even tried numerous times to reach the company. Each time I was made to wait long periods of time. I am presently in a XXXX education program and I student teach so I can not afford to wait on the phone all day. When given the option to have a callback, I selected yes but no one calls back that day. I waited for more than a week until someone called. Unfortunately, I was in the middle of XXXX. Finally today I got a hold of someone. They told me that all my paperwork was in but that I missed the deadline. Not once was I told about a deadline. Even if there was, I think that it is very unfair not to be give the information I need to complete the file. Then I am penalized for being late due to the company not answering my call or even calling me back. This is ridiculous and is not professional in my opinion. I need this situation escalated.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Shopping for a loan or lease

Complaint: I visited XXXX in XXXX, CO and was looking at cars. They let me know that they were running a credit report to see what loans I qualified for. I let them know that I only would allow one company to run the report ( XXXX ) and they agreed. They did not tell me that other companies would be running a credit report to give me loans and I specifically told them that I did not want my credit run through finance companies I did not approve of. I was unaware and did not give understandable permission for this company to run a credit check on me. I was pressured into running a credit report when I did not want to because I was a first time car buyer and unaware that when XXXX ran the report it would go through numerous agencies. They did not clarify and tricked me. I think this is unfair in that it affects my credit score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I took out a mortgage loan. The mortgage company advertised a low payment and interest rate. However, the monthly payments and interest rate were not low as promise. The bank has started XXXX foreclosure procedures without success. Two different bank have sue me. I tried to do loan modifications several times but were denied without clear explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Debt collection (Medical debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: OnXX/XX/XXXX, I disputed three items with TransUnion credit bureau ( File XXXX ) by telephone. I explained to the TransUnion customer service representative that I believed that these three items were added either fraudulently or mistakenly on my account. I truly believe that these are incorrect charges placed on my account and I expressed my concern and my request to have these items investigated by TransUnion and subsequently removed from my credit report. The representative explained to me that the investigation would take up to thirty days and that I can follow the procedure online through the TransUnion website. On XX/XX/XXXX only ten days later, the online portal revealed that the investigation was complete on all three accounts as verified, and that on XX/XX/XXXX the results would be placed on my credit report as accurate/verified. OnXX/XX/XXXXI called TransUnion customer service to request information regarding their procedures used to verify medical debt information. The representative claims that the only form of verification they use is the person 's name and address. I explained that that information could easily be incorrect or used by anyone. However after further questioning, the representative claimed that they also verified the information from my social security number. I explained that I felt that my HIPPA rights had been violated and that I never gave any authorization to any party to disclose my protected information. Then the representative told me that if I was dissatisfied with the results of the investigation, I would have to re-dispute the items. I have tried my best to work with TransUnion directly to resolve my issue, but I feel as if they are not trying to help me resolve this. However, I submitted the same disputes with XXXX credit bureau and two items were quickly deleted. Why is it that TransUnion would refuse to remove these items? Is there some form of discrimination being used?

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 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NJ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On  XXXX   XXXX ,  2017 , I was checking my credit report and saw a hard inquiry fr om CBNA ( Citibank of North America ) Last Reported  by  XXXX   XXXX   XXXX ,  2017 . I did not apply for a credit card from cbna or authorize them to do do an inquiry into my credit history. I have been trying very hard for the last 3 years to get my  credit score better and do not need companies do hard inquiries into my credit history without my permission.

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 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Got a school loan back in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Started repaying back the loans until i hit a rough patch and could not afford to make the full payments every month. I called and asked if they could help me out by lowering my payments or freeze the interest for a while or anything else they can do to helpe out. Their response was that there was nothing they could do for me. So i would make partial payments but with the interest and late fees, i was getting no where. I called back and talked to them again and i got the same answer so i told them that i was going to stop paying cause the late fees where ridiculous. Instead of lowering my loan it was going higher and their response was you do what you have to do. Less than a year goes by and they started taking all of my taxes each year. XXXX is somethimg else

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Bank account or service (Checking account) with U.S. BANCORP (CO).
Issue: Deposits and withdrawals

Complaint: My wife and I were a victim of check fraud at US Bank. There have been so many things wrong with this situation that I have chosen to reach out for help and to hopefully help others while making sure certain people and US Bank is held liable. First off, we are from XXXX. Someone else 's check was stolen in XXXX on the WA XXXX border. The thief cashed the stolen check in our ( my wife 's name ) at a US Bank in XXXX on XXXX XXXX border. As soon as we were notified ( not by US Bank but by looking at our account ) we immediately turned it in the the fraud department. All our accounts were froze for the investigation to begin. We immediately opened another checking account through US Bank as life goes on and we needed money. US Bank opened another account for us and did NOT put any flags, notices, restrictions or notes about being recent fraud victims and our account was hacked AGAIN within one week of opening our new account in XXXX about XXXX miles from where the first fraud happened. BOTH instances the thief walked into the branch posing as my wife with NO acct # and NO second form of ID ( debt card etc.. ). They were able to withdrawal the money both times. After that happened we again closed our account. We filed another fraud claim. 2 weeks into the first claim the fraud department did NOT even have our claim. We have been trying to work non-stop with our local branch and over the phone with the US Bank customer service as well as with the fraud department. We have been given XXXX provisional credit even with proof from US Bank surveillance. On top of that our local branch has treated us VERY badly. We have been told that it is not that big of a deal, it will get dealt with at some point and to stop calling multiple times a day trying to speak to a representative that went out of their way to ignore us.

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