milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/22/2016 about Money transfers (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Fraud or scam

Complaint: Dear XXXX, I found out in XXXX ; through family XXXX in XXXX, XXXX ; that a file was in superior crt files, not XXXX county files ; # XXXX ; a deposit of surplus funds ; this was not a pay off as a mediator & judge XXXX, XXXX stated ; the lawyer was different ; not XXXX on the 2nd mrtg pyoff ; this should have been done via escrow as most are. 
They lied as a bad play ; mediator helped ; I believe based on my XXXX abilities that in fact ; that they wanted me to sue, knowing I may not get a lawyer ; I knew it was for $ XXXX ; and that XXXX XXXX and very possibly an impersonator for me ; signed and stole about $ XXXX ; and the judge retired, & the rest was stolen ; all while I was in jail and was not brought to jail for this court date! 
Fraud! The money was illegally Wire transferred I believe ; and never made it to my books, and or in my name ; nor bank/brokerage account ; it made it into XXXX. jail bank accounts, then was stolen. I made this via family services, I called, license suspension for child spprt, daughter passed in ex spouses custody. 
So I want an investigation ; as I know that some persons were paid off to move this money at that point ; I am owed the full amount ; and the city of XXXX, jail, and bank of America are liable ; $ XXXX, 20 %, compounded daily since XXXX is {$700.00} XXXX dollars. 
the money did arrive, and it was stolen ... 

Please review this and make plans to XXXX my check as soon as possible to my address XXXX XXXX XXXX, XXXX ca XXXX thank you, and XXXX XXXXXXXXXXXX

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 02/13/2018 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XX/XX/2018 my son called American Express to get the address where I could send a letter requesting the company to cease and desist contacting me regarding my debt as provided under the Fair Debit Collection Practices Act formally known as and codified under 15 USCA 1692 ( a-p. ) The representative handling me ( XXXX, employee XXXX ) and his superior ( XXXX employee XXXX ) in the XXXX call center refused to provide this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (TN).
Issue: Account opening, closing, or management

Complaint: 5/3 Bank reported fraudulent activity on my account & closed it. They reported the activity to XXXX and now I am unable to open an account. My account was overdrawn by {$89.00} ; however, there was no fraudulent activity on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I use my debit card so I do not have to reconcile checks. I transferred money to another account after seeing that there was plenty of money in the bank and the account still went negative. After I made the transfer there was over a thousand dollars on the bank. But it still went negative. I explained this to the supervisor and they still refused to refund the fee!

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 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Incorrect information is still showing on my credit report that I received today when I went to buy a car. 1 ) I had a car loan through XXXX XXXX XXXX XXXX in XX/XX/XXXX. The car payment were made and paid in full as was agreed to under the terms and condition. After car full payment which was in XX/XX/XXXX, The loan lender ( XXXX XXXX XXXX XXXX ) released the car title to me acknowledging all payment made in full. This car was never repossesed or taken to creditors. I paid the car as was agreed to with interest as was agreed under the terms and conditions. Experian is incorrectly reporting / in my credit report that this was sent to creditors and states that payment was never made in full. How did the bank give me the title for the car in XX/XX/XXXX if the car was never paid in full? I logged complaint back in XX/XX/XXXX with Experian, XXXX and XXXX yet the incorrect information is still being reported. <P/>2 ) Experian is reporting an address that I have never lived in on my credit report : an address that i do n't even know who lives in, an address that I have never been in, do n't even know the location and yet that address being stated on my credit report, never lived there, do n't know anybody that lives in that address, never been on that address not once. i am willing to testify on this in court and under oath

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 07/30/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I bought my house in XXXX of 2016 and got a Jumbo loan for XXXX XXXX from wells fargo@3.375 % APR interest rate with the plan of selling my old home and paying off large sum of loan. At the time of the loan, I was told that when i sell my old home i can pay off the balance and recast the loan and bring my monthly payment down. I now want to payoff XXXX and bring my loan down to XXXX. I have been trying to contact wells fargo and they are not allowing me to do the recasting.

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 Debt collection (Other debt) with Diversified Consultants, Inc. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Failure to properly validate and or comply with the terms that I requested presenting proper validation. I requested for validation not verification. But instead I was presented in the mail with an itemized bill. Please note that as per FTC opinion letter from  XXXX   XXXX   XXXX , you should be aware that a printout of a bill or itemized document does not constitute verification.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Making/receiving payments, sending money

Complaint: When contacting Wells Fargo to stop an ACH debit for a specific company they require the amount. If the company changes the amount to try and get the money, Wells Fargo requires you to place another stop payment for additional {$31.00}, for any amount that they may try to process. This can add up and puts the customer in a situation to be taken advantage of by the ACH company or Wells Fargo. They should be able to stop an ACH payment based on the ACH company name.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Deposits and withdrawals

Complaint: My husband and I have accounts at BBVA Compass Bank. XXXX of these accounts are CDs. Each CD pays interest quarterly. The latest interest for these XXXX accounts was XXXX XXXX, 2015. The interest on XXXX account was delivered via mail on XXXX XXXX, 2015. The interest check on the second CD account did not arrive. I waited until Friday, XXXX XXXX, and called Customer Service at BBVA Compass Bank. I was told there was nothing they could do, that I had to personally drive to the bank for assistance. I went to the bank and spoke with a banker there, who told me that since it had only been a little over one week since the interest check was missing, that there was nothing he could do. I had to wait two weeks for any help. I waited until XXXX XXXX and went to the BBVA Compass Bank location at XXXX XXXX and XXXX XXXX in XXXX, Texas. I spoke with the Bank Manager there who made several phone calls. He determined that the check had not been cashed. He also stated that they would put a Stop Payment on the check and if it did arrive in my mailbox, I should just shred it. He further stated that the replacement check would be processed the same day and I could come back that day for it. I asked him if the interest check could be deposited into my checking account. He said that would be fine. The next day, the Branch Manager called me and said the check would be processed Monday, XXXX XXXX. I could check the website on Tuesday, XXXX XXXX, and the check would show in my checking account. It did not appear Tuesday morning, as I expected. I called Customer Service to see if they had any record of the interest being deposited into the account. XXXX, at BBVA Customer Service, stated there was nothing in the accounts, no deposit, no notes that showed any transaction. XXXX promised to check into the matter and call me back. It is now almost XXXX and I do not think XXXX or anyone else from BBVA is going to call. The interest in question is {$37.00}, not a huge sum of money. However, I have been waiting for this money owed to me for nearly three weeks. What miserable customer service. Unconscionable of them to treat a customer in this manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-02-2017 about Credit card () with CITIBANK, N.A. (MI).
Issue: Billing statement

Complaint: I just sent this to Macy 's but hope you will follow up too! 

XX/XX/XXXX To : Macy 's XXXX XXXX XXXX, OH XXXX From : XXXX XXXX Customer Dear Macy 's Customer Service, I have been a credit card customer for around 6 years and a non-card customer prior to that. I recently received a bill with a {$27.00} late fee. I double checked my online credit union bill pay which showed that my payment in fact did arrive on the due date, XX/XX/XXXX, on the bill I received in the mail. 

As I was busy, I went ahead and paid the balance and late fee, intending to call later. My balance was XX/XX/XXXX was now {$98.00} which included a {$27.00} late fee. But because I 'd learned earlier that customer service ca n't give an exact amount owed due to interest, I rounded off to {$100.00} and paid the bill. I noticed a message popped up on the Macy 's bill pay saying that in order to arrive on time I now had to send in the payment 4-5 days earlier, similar to sending a check in the mail. I did so, but was stunned that Macy 's would be so unethical. NO OTHER credit card company I use does this. In addition on my bill it states this : Late Payment Warning : If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to {$37.00}. 

My XX/XX/XXXX payment had in fact arrived on the date listed but I was assessed a late fee. Then I got a bill XX/XX/XXXX with an {$.00} balance. So I called. Customer service removed the {$27.00} late fee minus the {$.00}. I will receive a credit but my concern is the short billing period to pay and the ability for Macy 's to make tons of money off unsuspecting customers using bill pay. 

I plan to cut up my Macy 's card after receiving the credit as I do n't ' want to support what amounts to " Gotcha Capitalism '' and to warn friends. I 've been hopeful that regulations would fix credit card issues but this is discouraging. I really enjoyed shopping at Macy 's but this is in my mind, unethical and I can not support it. I 'd be interested in knowing how much money Macy 's makes with this policy and fear that if customers do n't complain, other stores will follow your example. 

I would appreciate a response. 
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 monetary relief
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After requesting my credit report I notice that several inquiries were made by ex wife and I would like for these inquiries and accounts to be removed from my report.I did not authorize XXXX XXXX to do this.At that time she had full access to everything. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/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 12/15/2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: THIS IS BEING FILED THIS WAY BUT TAKE NOTICE THERE IS ABSOLUTELY NO ID THEFT IN THIS MATTER AND YOU SHOULD NOT BE PUTTING ANY KIND OF FREEZES ON MY ACCOUNT. PAY CLOSE ATTENTION TO THE ATTACHMENTS WHERE I HAVE WRITTEN IN A WARNING TO NOT PUT ANY KIND OF FREEZES ON MY REPORT OR ANY KIND OF FRAUD ALERTS JUST BECAUSE I AM DISPUTING THE VALIDITY OF YOUR REPORTING. YOU DO NOT HAVE MY PERMISSION TO PUT ANY ALERTS OR FREEZES ON MY ACCOUNT. DOING SO WILL RESULT IN A LAWSUIT. 

FOR THE LAST TIME. XXXX COLLECTION FOR XXXX XXXX IS IN THE NAME OF XXXX XXXX. IT IS NOT IN XXXX XXXX NAME AND YET YOU SAY YOU HAVE VERIFIED THIS. TOTAL LIE, AND YOU ARE IN VIOLATION OF THE FCRA. THE XXXX ACCOUNTS ARE STILL LISTED AS PENDING BUT YOU ARE OUTSIDE YOUR 30 DAY INVESTIGATIVE WINDOW AND THESE NEED TO BE REMOVED IMMEDIATELY. YOU STATE THAT " Company responded Experian Credit Bureau said : Explanation of closure Thank you for submitting your complaint on XXXX XXXX, 2016, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 

We reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate that the disputed collection accounts are false and in violation of XXXX. You further indicate you contacted the company that informed you that the account is attached to another person. You are requesting the disputed collection account ( s ) and fraud alert to be removed from credit report. 

According to our records, the disputed collection accounts and fraud alert do not appear on your Experian personal credit report. You should receive an email notification, within the next 48 hours, alerting you that your dispute results are ready to be viewed online. '' BUT THIS IS A LIE BECAUSE THESE ARE STILL SHOWING UP ON A CREDIT REPORT THAT I RECEIVED TODAY. I AM GOING TO FILE A COMPLIANT AGAINST YOU WEEKLY IF YOU DO NOT REMOVE THESE ITEMS WHICH YOU CAN NOT PROVE ARE COMPLETE, ACCURATE OR VERIFIABLE. I AM TIRED OF ASKING YOU TO DO YOUR JOB BUT YOU BELIEVE IN BREAKING THE LAW. REMOVE THESE ITEMS IMMEDIATELY AND STOP TELLING ME I HAVE TO CONTACT THE ORIGINAL SOURCE, I HAVE DONE THAT BUT IT IS NOT MY RESPONSIBILITY TO PROVE THAT THE ITEMS ARE MEETING FCRA GUIDELINES. YOU ARE BREAKING THE LAW BY REPORTING INFORMATION AGAINST ME THAT YOU CAN NOT PROVIDE PROOF FOR. THIS IS YOUR LAST WARNING TO REMOVE OR SUFFER A LAW SUIT.

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 11/19/2016 about Credit card () with SYNCHRONY FINANCIAL (MO).
Issue: Billing disputes

Complaint: I purchased XXXX wood shutters from XXXX they were ordered and billed on the credit card a fee of XXXX, the ordered was cancelled by JC penny because it had been over 6 months since the XXXX guy had measured. He came out again and measured and we ordered XXXX blinds for {$950.00}. This should be the only charge. XXXX refuses to remove the XXXX even though we have called and had the lady who sold us the blinds on the phone with us. They SAY it 's removed but I just got a new bill today and it is still on there with a XXXX late fee charge. I 'm hoping you can help get XXXX removed from my card as well as the late fee.

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 02/26/2018 about Checking or savings account (Checking account) with PNC Bank N.A. (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: PNC bank has sold my signature i suspect because i traced down some numbers on a returned check to a financial institution in XXXX, strangly enough on another returned check i have from somewhere else i found the numbers in the lower right corner also that traced down to a XXXX corporation,,,,,,,,, so why is PNC bank asking me for or claiming i owe them something when they sold the original instrument of indebtedness and made plenty of profits, and why cant they produce the original instrument with wet ink signature, why is it a secret what they do with these signatures, look up the number XXXX and tell me what you find, im gettiing to the bottom of this fraud

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Debt collection (Medical debt) with Automated Collection Services, Inc. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was XXXX years old and still under my mother 's care. Now knowing she never had health insurance for me and was not giving me any of my bills, I as a young adult, knew nothing of most of these debts. I never received correspondence or the right to dispute. I had serious, chronic health issues as a young adult and am now- 5 years later recieving relentless calls from blocked and out of states numbers. 2 times they never disclosed they were debt collectors and refused to stop calling me while I was at work. I contacted one back and began a payment plan with them. At first they refused to take less than XXXX dollars a month- I am a XXXX XXXX college student and living on my own. I told them the very most I could do was XXXX and have been paying it for a year with no correspondence of my current balance. No one ever mentioned I could dispute it or could send me an itemized bill- some of the bills are over 7 years old!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Debt collection (Medical) with Finance System of Toledo, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: received a notice of this debit. But I explained this debt was not accurate at all. I 'm being charged for something I never received. Not right at all. This was a XXXX doctor I went to get XXXX. My insurance was to pay for these. This doctor should of had pre approval from my insurance to obtain these. He did not. Made these and then states your insurance will do pay for these. Again not right at all.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I do have many hard inquiries from companies that I do not recognize

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 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/2017 I sent a certified letter to Experian and Equifax asking for the information used to Validate the following debuts : XXXX XXXX XXXX. In addition to the credit reporting agency I wrote XXXX XXXX. I have not received the information used to validate these dates. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. I am also attaching an opinion letter from the FTC on the illegal practice of continuing to report these collections on my credit report without proper validation ( Review the FTC XXXX letter ).

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Credit card () with WELLS FARGO & COMPANY (MD).
Issue: Credit line increase/decrease

Complaint: On or about XXXX/XXXX/2016 noticed a charge of {$620.00} on my Wells Fargo Visa credit card for XXXX XXXX. On XXXX/XXXX/2016, having not made such a charge I contacted Wells Fargo and initiated a dispute. Eventually I was told the charge was proper based upon the merchant showing proof of the charge and that the merchandise was received by me and because the card was n't reported stolen, as such the dispute was closed saying I owed. Then I filed a dispute in writing by fax and was told the charge was improper and they was crediting the {$620.00}. Then around XXXX XXXX or XXXX I observed my available credit had gone from more than {$2000.00} to {$100.00}. Low and behold, they lowered my credit line, did n't say a word to me about it. I sent another dispute on that issue XXXX/XXXX/2016. Awaiting a response but believe they have little to no business ethics.

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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Collection account that is reporting on Transunion is : not mine/no knowledge of account. It is reported as : XXXX XXXX, account number XXXX. Please initiate investigation.

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