milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/27/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Transaction issue

Complaint: I have a credit card with Bank of America that I use to shop for at XXXX XXXX, and I usually make the payment to the credit card through the ATM machine that they have at the branch that I always go to which is located at XXXX, MI XXXX. On XXXX XXXX, when I send my sister to make a cash deposit at the ATM, sometimes the ATM returns cash saying certain bills were not accepted, so she ended up cancelling the whole transaction, when she got in the car to the count the cash to make sure it was the same amount she started with, we found out we were {$690.00} short. The next day we went to the branch and explained the situation, and the Manager confirmed for me that they 're ATM was out of balance and that there was {$690.00} extra in the cash they had. She gave me a number to call which is to B of A customer service department, I explained the situation, they ended up giving me a temporary credit to my checking account of {$700.00} until they investigate the situation, after going back and forth, they wanted the ATM ID # 's, so I got them that, they wanted extra information, I supplied to them everything they needed, then on XXXX XXXX of 2016, they send me a letter stating that they were not able to find the extra money and that they are withdrawing the temporary credit they had given me on XXXX XXXX. At this point, I was very upset, because going back and forth and time holding on the phone to get to speak to someone is ridiculous and come find out the solution is aggravating. They know how to take someone 's money but they want to give me the hardest time about getting my money. This is my money that the ATM did n't give me which the manager confirmed it was extra. Does the right hand not communicate with the left hand? Are they not all under XXXX name? I ended up going to brank my self on XXXX XXXX, which a Banker assisted me and she grabbed the reports from that day and confirmed with me again that there was extra money in their balance that day. She called customer service and explained the situation, they opened the case again, they did take the credit out of my account, but they said they are investigating again. I have not heard anything and not seen the money. Please help because this is stealing from my 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 11/29/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This debt was with XXXX I had XX/XX/XXXX. I became XXXX and lost my job so I could no longer pay this account. My bill was {$300.00}. I pulled my credit report because I want to try and fix what I can. I saw this account was sold to XXXX and now they reported that I opened this account XX/XX/XXXX which is false and that I owe them {$540.00}. It also resets the clock on this old debt and will stay on my credit report for another 7 years. This is wrong and affects me terribly.

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 10/16/2016 about Bank account or service (Checking account) with PAYPAL HOLDINGS INC. (NY).
Issue: Deposits and withdrawals

Complaint: Paypal withdraw {$410.00} in XXXX XXXX 2016 to pay for a computer that have purchase in Ebay but here is the problem ... computer was bad so i return the computer back to the seller so the seller suppose to send me a refund but intead the seller send the computer back to me again but i do n't want it so i send it back to the seller the second time for a refund ... now the seller got the computer back again but this time the seller have my money and my computer and i have nothing ... so i complaint to PayPal and they told me that there is nothing they can do about it ... so i losing {$410.00} plus the computer ... paypal is the only one that have access to the seller account and can get my money back ... in another word the took the money from me and the have to put it back in my account ... ( note : Paypal have the tracking number of proof seller receiving the computer back )

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The following XXXX credit card account ending in : XXXX is fraudulent and unauthorized. I have never applied for a XXXX credit card account. The XXXX credit card account do n't belong to me.

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 02/25/2018 about Student loan (Federal student loan servicing) with Action Financial Services, LLC (VA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Between the years of XX/XX/XXXXand XX/XX/XXXX I was going to two different XXXX colleges at the time I was going it was XXXX college, my understanding the school I was going to shut down due it was a nation wide shut down. Recently I have called the department of education who informed me I needed to called my loan officer which is action Financial Services which I did and they informed me that my taxes wouldnt get taken because my information wasnt sent to collections, she was u able to pull my account up by my social, and she also reiterated that being that I dont have an account with the collection agency that my taxes wouldnt be taken. I also never received a letter 65 days prior to stating that they would take my tax refund as it states that it should do. On this past Friday I called to find out my taxes were taken the full amount when I called my loan officer she informed that the website updates daily so just cause I dont have an account one day dont mean I wont have one the next. Im not understanding how that exactly works and how is a person supposed to know that they taxes will get taken without calling everyday. I was told I have to fill out I formation like a hardship form and a few other forms. I was given wrong information or not the full information and due to the school closing down and I never graduated from them I am asking for a full refund of my tax return.

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 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Spoke w/ XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , FL XXXX ( XXXX ) XXXX He asked me for my social and I asked him to verify the last 4 digits of ss # on file, he said have a good day and hang the phone up on me, I called back and spoke w/ XXXX XXXX , she was asking me to provide her with my social and I refused as if they had my social they should be able to provide me the last 4. Please mandate they send a written contract and proof of social security number for this debt as it is not mines. I have never done business with XXXX or the original collector of XXXX XXXX XXXX and demand this reporting be removed from my credit profile on XXXX, Equifax and XXXX. 

I do not owe this debt and this account does not belongs to me XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (NC).
Issue: Shopping for a loan or lease

Complaint: CHASE AUTO RUN MY CREDIT WITHOUT MY CONSENT AND MADE XXXX HARD INQUIRES ON M CREDIT REPORTS DATED XX/XX/XXXX AND XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (I do not know) with GLA Collection Company, Inc. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have  XXXX  of the same debts but those already should be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Portfolio Recovery continue to attempt to collect on a debt that they forgave. I was sent XXXX but they continue to harass me by asking for payment on a debt they forgave and written off thru the IRS. Also they falsified information on my credit file stating that the debt was opened in 2012 to avoid removal of the debt which negatively impacts my credit score in a collection tactic attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Vehicle loan or lease (Lease) with SANTANDER CONSUMER USA HOLDINGS INC. (PA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint: My lease term ended on  XXXX  however there was no date on any of the paperwork when it needed to be turned in and all documentation sent to the house was " lease coming to term please check out incentives '', in the weeks prior to this my husband was diagnosed with  XXXX  on  XXXX  which then we had to see doctor and then surgeries, follow ups, more treatments, more doctor   appointments and we are only the  2 that drive  in our home. My husband was n't on the mend after having  XXXX  and procedures for several weeks. Upon walking out my door ( again no letter or documentation stating turn car in on this date just the lease term date  )  my car was repossessed after stellar payment history. Now it 's on my credit report, explained the whole situation to  Chrsyler Capital and they will not remove t he repo and state that they will get fined by the government if they do this for me and they say they sympathize but it really does n't appear that way. I had to car for my husband, work my fulltime job, take care of my children, keep my husband on track with appointments and all Chrysler wants to say is no sorry repossessed-called on  XXXX  when they took it and reported it stolen because no call, notification on anything to state bring back by just a lease term date which I could n't meet cause of my husband 's health issues and as the government complaint office stated they do n't have to report as repo which is all we are asking to have removed from our credit is the reposession-they are unwilling to work with us and have spoken to every office at the corporate headquarters where they were appauled this was doe but the actual offices of  Santander  who is Chrysler capital wo n't take any of this into consideration or work with us but marking us as repossessed with stellar payment history

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XX/XX/XXXX, I lived in California. I had never paid CA state taxes, and in fact, every year I received a refund. When I married a XXXX XXXX man, the military moved us across country in XX/XX/XXXX ; he deployed shortly thereafter. I had no idea that CA was in the process of incorrectly processing a tax return for me. Truthfully, I felt almost benevolent in that I had not yet bothered to apply for the monies I knew California would owe me. 

They assessed that I owed them {$1100.00}. Not only was their calculation incorrect, but they actually owed me {$350.00}. 

When we applied for a loan, I saw the lien on my account and immediately filed my XX/XX/XXXX taxes, requesting my refund and that the lien be removed from my credit report. The CA FTB can not remove it from my credit report, because they do not report to the credit bureaus, rather it is made public knowledge, and the bureaus access the public knowledge. I did get a letter from the FTB that stated the tax return I submitted on XXXX/XXXX/XXXX, 10 days after the lien was filed, showed a balance due of XXXX. 

It is frustrating to see that the lien shows " paid '' on my Transunion credit report, as I never paid a single dime to have it removed, because I owed them absolutely XXXX, and they owed me {$350.00}. 

XXXX shows no status at all, not paid or released, just ... nothing. 

I do not know what XXXX shows, but it likely is n't much better. 

This is an unfortunate error that is causing serious detrimental effects to my credit. I was never a tax dodging citizen as this blemish accuses, rather someone who was overwhelmed by the new responsibilities of being a XXXX wife, and thinking I had nothing to worry about, as I knew, rightfully so, that I owed no money. 

If there is anything at all that can be done to assist me in this matter, I am immensely grateful for your support and action. 
Sincerely, ( you wanted no personal identifiers, so I will say XXXX Wife )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. ().
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a Public Collection on my credit report that has been satisfied and closed years ago. I have disputed this several times, but the credit reporting agencies ( XXXX, XXXX, and Trans Union ) but the will not remove it stating it is accurate. 

The Lien is incorrect, I have searched the Georgia Department of Revenue delinquent taxes and I am not on this list. Please attached screenshots. 

Any assistance would be much appreciated. 

Thank you! 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 01/19/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problems caused by my funds being low

Complaint: I have a checking account with Bank of America. The bank overdraft my account by issuing an overdraft fee when my account shows there was money in the account covering the purchase. The phone representatives were very rude and had XXXX excuses why the bank would put a false overdraft fee on my account. It appears they somehow switched the processing of transactions so that they could overdraft my account.

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 12/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The collection agency and the rep holding my account ( XXXX ) refuse to disclose the verification of the debt. I reached out to the original creditor who confirmed that the information on file is incorrect. When I call, the operator says XXXX is away from his desk and no one else can help me with my account. This has been going on since XX/XX/XXXX. My initial contact was XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Consumer Loan (Vehicle loan) with CarFinance Capital LLC (CA).
Issue: Problems when you are unable to pay

Complaint: My car is financed through Carfinance.com. I fell behind in my payments and have been receiving constant harassing calls from them. The Carfinance.com agents are extremely rude, pushy, and threatening. Even if you make a payment arrangement, they will continue to harass you. They begin calling at XXXX every morning and do not stop until the evening.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX XXXX XXXX - {$170.00} Account was not verified as according to law, no documents were sent.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency have in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within XXXX days of XXXX/XXXX/2016 please remove accounts from my credit report.

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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have recently obtained my credit report, credit reporting companies make mistakes in reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 've continued to explain that this debt has been written off from XXXX XXXX XXXX back in 2008, and not to call me at everyday as this is harassment and to communicate everything through letters to me. I contact my attorney who said to contact the FTC and file a complain as he can only stop them if it 's through my cell phone. Spoke to XXXX XXXX on around XXXX and informed her to stop calling and to send all communications through the mail. Spoke to XXXX XXXX to continue all communications through and to stop calling me on the phone and to send through the mail from Portfolio Recovery Associates at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/18/2016 about Credit card () with BARCLAYS BANK DELAWARE (OR).
Issue: Transaction issue

Complaint: Barclay Card falsely advertised a promotional rate for XXXX. purchases. On my first big purchase from XXXX a year earlier, they extended a zero percent interest rate for 18 months as advertised. What they did not tell me is that this promotion must be reactivated every time you make a purchase from XXXX, despite the fact that they do n't have any clear instructions on how to do this, and they do it automatically for you on the first purchase. Unlike other cards I own, they also capitalize on any amount in the account at closing immediately instead of the statement balance. That means if you have {$15.00} on the card the day before closing from an automatic payment they collect interest on it. This is a predatory card and Barclays has questionable business practices that intentionally try to trick the customer.

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 04/24/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (WV).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Midland Credit Collections,  contacted me at my direct line at my place of employment. They have called several times so far, when I answer I tell them that they are not allowed to contact me at work, this my business line. I work in a call center environment and can not be on the phone for personal reasons. The debt collector advised that since I answered the phone I should resolve the issues now. I have told them several times not to call me at this number. I do n't know how they even got the phone number as I have never provided it to them.

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 06/15/2016 about Credit card () with BB&T CORPORATION (NC).
Issue: Billing disputes

Complaint: Several years ago I applied for and received a credit card from BB & T for emergencies and personal purchases. In XXXX after reviewing a statement I noticed that a charge called " special purchases '' was being billed for approximately {$400.00} monthly. I am unsure how long this charge has been part of my billing cycles but after several attempts to gain answers from BB & T I have received no answer concerning what this charge consist of. I have spoken several times with branch representatives but each continue to say that there is no longer any record to give an indication of what the charge is. They expressed that they do not keep records past seven years. I requested statements for the last seven years and still have not received them. While paying the balance no payment was allocated to the " special purchase '' and it continued to accrue interest like the main balance was doing. In XXXX the charge was dropped but BB & T continued to request payment for the the previous years. I have continued to attempt to get answers concerning the issue from BB & T but they continue to have no answers for me. I believe that by the charge being left on the bill I have continued to overpay for my real purchases.

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 11/16/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo charged an overdraft fee to my checkings account. The ATM located at the branch in XXXX XXXX was not working on Friday XXXX XXXX, 2015 and I could not make a deposit. So I made a check deposit using Wells Fargo Application. As of today XXXX XXXX, 2015 the check still pending. The bank does not recognize its ATM malfunction and wants to charge me a fee and not refund my account for their technical malfunction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief