milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/21/2016 about Bank account or service (Cashing a check without an account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Deposits and withdrawals

Complaint: Yes my father stole my mail and cashed XXXX or XXXX checks through his bank account with bank of america, name on the account is XXXX XXXX XXXX, fraudulently signed and endorsed my checks though his bank account, bank of america cashed the checks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Credit card) with Army and Air Force Exchange Service ().
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have recently requested a copy of my credit statements that have been submitted to a collection agency and upon reviewing the documents, I found some outrageous amount of interests that have been charged under my account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. The following account and inquiries are unauthorized and fraudulent : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/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 non-monetary relief
Consumer complaint received 01/29/2018 about Checking or savings account (Other banking product or service) with BANK OF THE WEST (CA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: During early XX/XX/XXXX I signed over papers to turn my XXXX XXXX account in Bank of the West into a regularly account in my possession. This is through Bank of the West Investment services for my account. They said it would be done within a week however ever since then I have not been able to access my account. I have called almost every day with no reply. This was done with XXXX XXXX as the person who handled it however he has stopped replying to my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Deposits and withdrawals

Complaint: Received letter from Wells Fargo Card services dated XX/XX/2017 stating Subject : Your balance transfer request in amount of {$1500.00} has been processed and transferred to your designated deposit account.I received this letter on XX/XX/2017.I received a phone call from Wells fargo representative on XX/XX/2017 asking me if I was familiar with a credit card ending in XXXX.I answered No.Rep.Do you have any credit cards ending in XXXX.I checked my cards but none of them had that number I said.Why do you ask? Well, it appears that someone deposited {$1500.00} into your checking account.and we are trying to find out who the card belongs to! It is possible that it could have been hacked from outside the country.I said if you have the last four numbers then you must have the other 12 numbers & the security number on the back in order for the transaction to be successful.right? yes but we are contineuing our investigation of the matter.OK, let me know what you find out but I never heard of someone depositing money into an account, its usually the other way around.what should we do in regards to this credit card ending in XXXX? Rep : I would suggest you close that account.OK can you do that or should I call someone else to handle that? No, I can close that account for you and order a replacement card also for you.OK, we better do that then.Rep : will it be inconvenient while you wait for a new card which should arrive within 7 to 10 days? I said no problem at all.Will This closing effect my credit rating? No not at all.Then I understand that you did not make a balance transfer? I answered no and if I wanted to it would be with one of your balance transfer checks that always are in your billings, ect.in person at your bank.Do you have a balance transfer check from me that I signed & deposited with your bank? No, we do not have any paperwork at all.Now, two weeks later on XX/XX/2017 I receive credit card bill for {$1500.00} in mail but not with card XXXX but rather the new card No : ending inXXXX.even though the bank Rep : indicates an incident took place illegally causing the closing & opening of a new card for number forthat reason.The billing also indicates in purchases section '' Ballance transfer with card numbersXXXX including all 16 numbers dated XX/XX/2017 for XXXXwhich was a previous payment made onXX/XX/2017. & then added to the {$1500.00} billing.If you would ask For copy of resolution letter sent to me from Wells Fargo Card services dated XX/XX/2017 from their credit card fraud claims dept.you will see why I am requesting your assistance in this matter.Thank you kindly in advance.My phone No:XXXX if you need more information.My credit rating is great and I am worried this could cause me a negative rating as I am almost XXXX.Never experienced anything like this with any bank or credit card Company.

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 09/29/2016 about Credit card () with DISCOVER BANK (OK).
Issue: Billing disputes

Complaint: I rented a car from XXXX in XXXX XXXX for XX/XX/XXXX. It was a Hyundai Accent, XXXX I believe. I accepted the paperwork without checking the mileage ( unlimited allowed within XXXX California ) or the license plate ; I only inspected for damage trusting they were issuing me the correct car. All was fine, I drove about XXXX miles in XXXX XXXX, returned the car on time. 3 weeks later I see {$530.00} in additional charges on my Discovercard. XXXX sends me a XXXX violation showing the car violated a toll for XXXX cents in XXXX California at XXXX on XX/XX/XXXX. I assured XXXX they had issued me a different car and asked that they check paperwork on other Accents issued the same time. I also disputed the transaction with XXXX submitting the only evidence I could find, a photo of the car, not tag, that appears blue ; a Discovercard receipt I signed at XXXX in a XXXX XXXX restaurant same Friday, and a screen shot of my tee time that same day at a XXXX XXXX golf course. I offered sworn affidavits from myself, wife, son and daughter in law, and others who would attest we were in XXXX XXXX that Friday. Discovercard would not consider anything other than the rental agreement ; their people are trained apparently to disregard any evidence other than the rental agreement. The result is if a mutual error is made, vehicles are switched between XXXX weekly rentals occurring about the same time, Discovercard leaves no way for that to be proved because they wo n't request records from XXXX. My only option is to go to court XXXX miles away over a {$530.00} dispute. The {$530.00} is {$50.00} for an admin fee and {$480.00} because they say the toll violation proves I was driving outside the restricted area. I do not believe Discovercard has conducted a " reasonable investigation '' when the only evidence they will consider is the document alleged to have been carelessly, or worse, issued. Yes I was careless in not confirming the paperwork matched the car but who would expect that to happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Upon being denied from a lender for too many inquiries I decided to check my reports from all credit bureaus for accuracy. I have noticed several inaccurate credit inquiries that I had no knowledge of and DID NOT authorize. I contacted Equifax immediately and have been given no relief. The representative on the line continued to tell me its a " statement of fact '' which is not TRUE! I have a fraud alert currently listed and have taken extra steps and purchased a product to lock my credit report. Please see the following inquiries that were not authorized by me and the dates that my report was improperly shared with these companies. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Well it started when I asked Experian to look into my XXXX XXXX account, which was closed and had erroneous information on it. It said that the account had been sold to another lender. Well they reaged the account that has been closed since 2013, and XXXX has it not showing a closing date. I try to fix one thing and they try to get me on another.i managed by to take photos of the old Experian account before they doctored the results. XXXX has it wrong to.

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 02/22/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Other

Complaint: My roommate has a couple of credit cards. At no point The Credit Bureaus have been provided with my social security number. I am listed as an authorized user on the crads. However, I NEVER gave them my social security number. They are providing information based on just my name. According to the FTC. The Credit Bureaus must have the the persons social security in order to report the information. I received a leller from XXXX of the credit bureaus trying to verify my personal information. I am not going to provide them with my personal information in order for them to clean up the illegal reporting that they are doing. I demand that they take the reporting off my credit report. It is affecting my income to credit ratio and negatively affect my FICO score. According to the FTC they must have full authorization from me to report and they do not have it. I did not provide Bank Of America my social security. therefore. The amount MUST be removed from my credit report. This will be the third issue I filed. The first XXXX was XXXX, The other XXXX was XXXX & XXXX Bank.

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 06-03-2015 about Mortgage (Home equity loan or line of credit) with TD BANK US HOLDING COMPANY (NY).
Issue: Application, originator, mortgage broker

Complaint: I request your kind attention on my below mentioned case and please reply and let me know how can I proceed further so as to approve my application for Refinance : Quote : Since ( around ) 6 or 7 years I have a Mortgage Loan for my Primary home at XXXX, New York with TD Bank and the interest rate is 6.9 % which is very high, hence I try to Refinance the same loan, hence, I submitted application for Refinance the said loan at the same TD Bank, and upon run my credit history by TD Bank they got my highest credit score is XXXX, however, TD Bank declined my refinance application, the reason they said " '' the problem is debt with income ratio '' '' '' ''. 
FYI : as per 2014 my tax return documents my income is {$74000.00} and debt is around {$54000.00} plus I have liquid cash of {$100000.00} in my XXXX Fund Account ( like XXXX ) plus cash value of around {$70000.00} available from my whole Life insurance coverage from XXXX and XXXX XXXX XXXX XXXX which I showed in my application also TD Bank did n't ask me the Tax return documents or any related documentsand without seeing the required documents from my side HOW THEY DECLINED MY REFINANCE APPLICATION? 
From the above, I strongly doubt that the TD Bank declined my application because now I pay interest of 7 % to TD Bank and if they refinance now the rate must have reduced to around 4 % that will be the lose for TD Bank and that may be the reason to decline my application to refinance. FYI : Am a XXXX RETIRED employee with having the income of Pension and XXXX too and so far with very diffcult and without any default I am paying my monthly mortgage payment regularly without interrruption. therefore, please hlep in the subject matter so as to approve my refinance application. 
In view of the above, please let me know how to proceed further so as to get refinance. 
Expecting your valuable advise soonSincereXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Mortgage (Other type of mortgage) with NATIONSTAR MORTGAGE (WI).
Issue: Struggling to pay mortgage

Complaint: We have been trying to get a loan modification from Nationstar ( now Mr. Cooper ) since XXXX XXXX  2016. We have been giving loan modification paperwork which we have filled out. In XX/XX/XXXXwe were given a modification whereas we sent in a XXXX XXXX money order of ~ {$2600.00}. We did not hear back from them and after a month we contacted them and Nationstar said they never received the money. We received a notification from XX/XX/XXXX that the money was never claimed. We gave Nationstar all the information from XX/XX/XXXXand after much deliberation we were given another chance for the modification. Sent in all required paperwork again and again, never heard back from them. I called Nationstar in XX/XX/XXXX asking about the modification and they stated they never received the information. I sent them the email with the documents and the date it was sent. again, everything seemed to be ok until we received another notification we needed to supply bank statements now. after that we had to send a copy of my wife 's Social Security Card. even though the number was on the forms they sent.
we just received in the mail yesterday saying they could not go forward with the loan modification as we have not supplied them with the proper documentation.
FYI -- - I spoke with management of Mr. Cooper inXX/XX/XXXX telling him I would be contacting CFPB. they strongly suggested I do not do that. However I do not know what else to do and I would like help resolving this issue.
thank you in advance for your help in this situation!

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I found this on my credit report. I have received phone calls in regards to this account however I they have not given me any information either by phone or in writing in regards to the money they are requesting.   PORTFOLIO RECOVERY Opened  XXXX   XXXX ,    2016  {$1800.00} That is all the information I have.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Capital one closed my credit card account without any prior notice. All that I got was one email saying that your account is closed due to inactivity and I can not use it. I called the company and spent about 20 minutes on the phone and they could not find any prior communication but the customer service representative said they can not keep the account open. I could have done some transactions if I would have got any form of prior notice.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This company is continuing to request payment for accounts that I do not owe on. 
{$810.00} from : XXXX XXXX on XXXX XXXX, 2014 on behalf of XXXX. 
These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to EQUIFAX. This needs to be removed ASAP. I am unaware of the accounts and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. I will contact the Attorney General AS WELL against EQUIFAX and in their respective state and both of these companies if this is not resolved NOW! 
I 've ALWAYS had this type of trouble before with EQUIFAX. My report with them has always been incorrect. From having an out of date address from over 6 years ago as my main address to not having all of my current TradeLines listed that are active and in good-standing.I 'm not surprised! 
I am a veteran and a XXXX XXXX and I do not deserve to b treated this way. I will file a I fought for your freedom young man/woman! law suit against this CRA IF These entries are NOT removed! 
ALL references regarding this account must be deleted from ALL reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: I have been working with  SPS fo r a loan modification. They placed a sale date on my account while in review which i thought was a violation of the  Homeonwer Bill of  Rights. Anyway, what they did is request a Verification  of Employment f or  XXXX   (  my husband  )  o n  XX/XX/XXXX    , 28 days prior to the sale date. He requested it the very same day but unfortunately because we work for the school district and it is summer time, no one is readily available to supply such a document immediately. They requested that we contact the  School Board  if it was an emergency in which we did but they advised it would take 7 days. We advised  SPS  of this but they were not willing to work with us. we are now going to lose our home for something we can not control. We have provided them with every single piece of information that they have asked us of to this day. Now they said unforunatley there is nothing they can do after begging that they allow us more time. By the way we did receive the  VOE and w e supplied it the day we received it but now they are telling us it is too late. I just cant believe this. Please help us save our home!!!! I beg!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: To CFPB We previously reported to you concerning Bogus addresses on my Experian credit report, both myself and our attorney contacted Experian in an honest attempt to clean up my report. As you know from my prior conversations with you on the phone I have suffered from XXXX and my doctors are concerned about the stress this type of behavior coming from Experian is having on my health. We therefore, request CFPB to recheck your data base as you have previously done to see if you are at the point of taking major action against Experian as they are still being disobedient to Federal Law. 
First of all, when we realized that there were old addresses on my report that are obviously not deliverable via the U.S. Postal Service we requested Experian to remove them, but instead what they did was to duplicate them with bogus unit numbers which do not exist, Experian knows they don't exist but put them on my report anyway, this is deceptive trade practice on the part of Experian and they need to cease this behavior according to my attorneys. 
Secondly, I have never lived in XXXX XXXX yet Experian is reporting that I have, I've only driven through that city maybe four times in my life and I certainly have never lived there no more than I lived at those addresses they are listing on my report, I certainly have not. If this goes to court, and it certainly looks like it's going to, Experian had better be prepared to Prove conclusively with evidence that I did, but i'm not worried because I have never lived at those addresses.

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 10-05-2015 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (AZ).
Issue: Problems when you are unable to pay

Complaint: I received a threatening letter in the mail stating that if I do n't pay {$1300.00} by XXXX / XXXX / 2015 they are going to take repossession of my vehicle. After I have made XXXX car payments and they know I 'm out of work from giving birth to my son.

Company response to consumer: Closed with explanation