milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/27/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Making/receiving payments, sending money

Complaint: I always pay my bank of America bill on the due date at night once I get home from work and get my family settled in for the night. Last month, I did this and it said the system was down for maintenance. I spoke with a customer service rep who said no late for would be added since it was their fault. So I called the next morning and paid the bill. Again I spoke to a customer service rep who said she could not see where a late fee had been added but to check my bill and let them know. I got my bill this morning and there was a late fee. So I called a third time, the woman I spoke with waived the fee but advised me that I needed to pay in the morning or a few days early because they always do maintenance at night. I explained to her that night was the most convenient time for me the customer, and if that were the case then they needed to move my due date. She then tried to set me up on automatic drafts, I explained that I was perfectly capable of keeping up with my finances better than they ever could. She told me that they had advised me of the fact of the updates at night and they would not be able to waive the late fee again. I would like to write someone a message or email at bank of America but there is noway to contact them other than by phone or writing, so here I am. Updates should be done between the hours of XXXX and XXXX to avoid inconveniencing the customer and adding a late fee when its their fault. I have never had a customer service rep be so rudde to me and tell me it was my fault when I tried to pay the bill on the due date but it was their system that decided to update on my due date.

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 08/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was notified of this charge by XXXX of XXXX. I told them this was not my bill, I did not apply for credit, charge anything to them and asked for a copy of the signed agreement of credit and/or credit charges so I could prove that was not my signature. They refused to send me them. I explained my x-husband has used my name and ss # before to get credit and skip out. He previously charged house furniture to a company in XXXX and I have had car repo people show up at my house to repo his truck. I tried to get some kind of proof from XXXX that this was my bill. I have never been to XXXX, do not intend on going there, and I would remember if I had open credit. I did not start getting credit after my bankruptcy until recently. I believe because they can not locate the rat I was married to, they will try to pin it on me. I 'm just starting to get myself back in ; the good, and I do not need a foot holding my head under water for something I did not do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I 'm writing to complain about Equifax 's egregious security breach that affected myself along with 143 million other Americans. Equifax 's own site confirmed that I was affected by this breach.
The company was aware of the breach but did not notify affected users immediately. Once they did notify the public, they took no immediate action to protect affected users.
Frankly, their whole business is about identity security, and they completely dropped the ball. They should be forced to provide identity fraud protection for every affected user indefinitely. It 's not like I can change my SSN!

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Payday loan, title loan, or personal loan (Installment loan) with Bliksum, LLC (CA).
Issue: Struggling to pay your loan

Complaint: In 2015 I was on XXXX XXXX I received a pre approval letter in the mail for an instalment loan. I applied online and was contacted shortly by a rep. I clearly told him I was on XXXX and I was n't sure about getting the loan and he kept telling me to tell the loan processor I am working and not " on XXXX '' or else I wo n't get the loan. So I was forced to put my income like if I was working. I finally got the loan and I felt uneasy about being pressured to get the loan so I wanted to return it back. The company said I had to wait until the 1st payment was due. So me being in a financial distress I used the money to pay other bills. I ultimately lost my job and was unable to pay them after I went back to work from XXXX XXXX. The company kept calling my job despite me telling them I could get fired. They also threatened to garnish my wages if I did n't pay. I am currently unemployed and I heard recently they served my previous employer at her house!!! To have my wages garnished. I do n't work and I am very upset and embarrassed that they went directly to my old bosses house instead of calling me or coming to my home. This is causing alot of stress on me because I honestly never wanted this high interest loan to begin with. Their rep was very much pressuring me to get it even told me to lie about my income.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: Wells Fargo processed a large item first so that they could charge a fee for the smaller items. I should have only paid XXXX for fees instead they charged me XXXX. The ATM took my monies which create an erroneous balance. The bank refused to cover fees that were created because my account did not have enough funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/19/2017 about Bank account or service (Savings account) with NEW YORK COMMUNITY BANK (GA).
Issue: Account opening, closing, or management

Complaint: I was trying to log into my account with New York Community Bank via XXXX and when I entered my user ID was told my account was disabled. 
I called customer care and was told because I had not used my account recently ( note they did not give a specific time window for this policy on account closures even on the customer care call ), they had disabled my account. This was without any advance notification to my email address linked to my online account. They refused to unlock the account even when I provided my SSN, account number and my online banking details. 
They claimed this was pursuant to their policy in the agreement I signed opening the account. However this seems disproportionate and not clearly articulated. I know for a fact I downloaded my tax documents in XX/XX/2016 for the previous year from their website, yet by XX/XX/XXXX they had closed my account and sent all my money to the local government, where I must now file an Unclaimed Property Request and deal with all the challenges that entails to get the money that is mine returned to me. It was also only when I requested to speak to a supervisor that I even found out they had sent my money to the government, as the first customer care contact mentioned nothing of the sort to me, just that I should send a letter and copy of my driver 's license to request my account be reopened, even though in fact the account and the money is gone for good from NYCB and I must search it out with the local government. 
This seems unreasonable for not having logged in perhaps during six months to an account, and I would request the CFPB review the terms of service of this Bank to its customers, require they adjust their policies on closing accounts and unilaterally sending consumers ' assets to the government, as well as send email notifications warning of such actions before they are taken. I have many accounts with financial institutions and have never had close to this awful a customer experience and am now faced with the uncertainty of ever seeing a very large sum of money again. Are n't banks supposed to be safe places to store your money? It seems NYCB does not take this core responsibility seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I received a mail stating that my account is closed due to unusual payment activity. However, I have never made a payment to this account. Please give me an explanation on why the account is closed.

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 11-09-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax and XXXX failed to notified me regarding notice of disputed of reinvestigation as well some accounts has been removed from one Agency and let reported on the other. I demand this items to be deleted permanently. All this accounts on the report marks as derogartoy where not notified per FCRA require reporting agency to give notice of reinvestigation

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Debt collection (Medical debt) with P.S.C., Inc (WA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I got letter from this collection agency base out of Washington XXXX and the letter date XX/XX/XXXX.I was check my credit report onXX/XX/XXXX I got alert on my email tell me new stuff be add on my credit report. This company list everything that was on this letter on my credit report before my 30 days I can valid information. I send the register letter from the postal office these item is not my and I need the debt valid. I feel the company violated my rights under the FDCPA.

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 08/27/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Debt collector indicates that the account in question was paid timely until the debt was purchased from the original creditor by the collector Which is not the case. According to the fair credit act the debt may only be reported for 7 years after the 1st delinquency which would 've occurred prior to the purchase. If the collector can not prove otherwise then the item should be removed from the credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I submitted paperwork stating i needed a payment deferment. I received no paper work from navient. I called in and got " oh we got your paperwork everything is ok ''. Months later i check my credit score and my score dropped over XXXX points because i was late for months on my student loans. So i call back navient and they simply said oh fill out the paper work Again! Furious as i was, i did but it has been rough trying to improve my credit again.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I 've worked hard for decades to maintain an outstanding credit rating that 's ranged right around XXXX. I take my credit report extremely seriously and always consider the impact on my score when making decisions that may have an adverse impact to my credit score, and ultimately my financial well-being. 

In XXXX of 2015 I obtained new employment which involved selling my home and moving my family. This move incurred over $ XXXX in moving expenses, all of which were reimbursed by my new employer once we were able to provide receipts evidencing the expenses incurred. In other words, the funds for my travel and relocation expenses initially came out of my savings and then were reimbursed by my new employer after the move. 

Given the safety, security and support that XXXX XXXX offers, my wife and I used our XXXX card to fund the upfront travel and relocation costs. Unfortunately, we did not realize what a detrimental impact that doing so would have on my credit scores. My score which was XXXX immediately dropped to XXXX ( XXXX point drop and below the XXXX A-Rating threshold for obtaining the best mortgage rates ). The drastic drop, I 'm told, is due to the fact that XXXX does not report a credit limit but rather reports the lifetime max that has been borrowed as the limit. In this particular case, $ XXXX was my lifetime max and thus it appears I 've maxed out my card. For this reason, my credit score has plummeted and now effectively puts me in a position where I face paying XXXX of dollars more per year on a mortgage because I no longer qualify for the best mortgage rates.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: We have a primary home loan from XXXX located on XXXX XXXX in XXXX XXXX California. The loan balance of {$66000.00}. Also, we have a Home Equity loan from Bank of America. XXXX is trying to refinance our loan on our home, and Bank of America is not allowing them to refinance the loan of {$66000.00}, because they are not releasing the subordination. I have been a loyal customer of Bank of America since XX/XX/XXXX. All my family members have accounts at Bank of America and I have also a business account. We have also the rental property and my XXXX property with total equity of over XXXX. 

The refinancing will save us {$1000.00} in monthly Mortgage every month, which I can use to pay our debt. 

I made a written appeal to Bank of America, Subordination Department. However, they did not respond to my appeal. 

My husband is XXXX years XXXX. He underwent XXXX XX/XX/XXXX. Refusal by your bank to allow refinancing has affected his health and he is in distress. According to federal Government rules, people should be permitted to refinance the mortgage. 

I would like to ask request to help in this matter. 
Thanks, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-07-2015 about Debt collection (I do not know) with Jacobs, Marsh LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Received XXXX messages. Both messages were the same. The first was from " XXXX '' the second was from " XXXX '' " this is XXXX at XXXX with the litigation support services. You have a pending case in our office that requires your immediate attention it is imperative that I speak with you or your attorney of record immediately today my number is XXXX XXXX XXXX if I do not hear from you or your attorney of record I will document that you waive your right to counsel and submit your case covering yourself accordingly '' I called them and they said they put a warrant out for my arrest in my county. They knew the last XXXX of my social security number. I told them to hold while I got my attorney on the line ( a fake stement ) and they hung up.

Company response to consumer: Untimely response
Consumer complaint received 03/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am applying to buy a house, when I checked my credit report I noticed that there was a recently placed collection agency debt from 2013. I called XXXX XXXX XXXX because that is where the debt is from and they told me to call the collection agency because they did not have my account number on file. 

When I called the collection agency about this debt they asked the usually questions and I found out that they had the wrong name on the account. When I asked if it could be removed I was told to contact the credit bureau because they are the ones that made the mistake. I told them that the bureau only reports the information that is given to them and that the company supplied the wrong name. 

They refuse to admit to the mistake and contact the bureau regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Other financial service (Traveler’s/Cashier’s checks) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Fraud or scam

Complaint: After applying for a job online, I received a cashier 's check on XXXX XXXX, 2015, for the amount of {$1900.00} with an offer via text for a job position as a XXXX. The stated reason this check was sent to me was to cover errands and complete some tasks as his personal assistant. Before cashing the check, me and my husband were suspicious, so we went to Navy Federal Credit Union to verify the check was real. I was helped by one of their representatives whom I asked " when the check would be clear '' the representative responded " Within a day. You should have it by tomorrow. '' They assured me the check would be cleared by the next day, meaning within XXXX hours. 

Based on these assurances from Navy Federal, I followed further instructions from my supposed new employer to send XXXX wire transfers for {$800.00} and {$900.00} to XXXX, TX. A week later, Navy Federal removed the {$1900.00} and said that it actually takes up to 30 days for a check to clear. The check in fact did not clear after the funds had already been made available, and now my account is delinquent {$900.00}. Thankfully {$800.00} was held by XXXX XXXX and was able to be recovered. The manager repeatedly apologized saying they need to increase training of their staff to avoid this sort of " miscommunication. '' I hold Navy Federal as an accomplice to crediting a fake check under their stated position while still pursuing me for an illegitimate debt where the funds were and then were not available under my name. I have filed police reports and saved all documentation of the fraud committed upon me. Regardless, none of this would have happened had Navy Federal not misinformed me as to the status of the initial cashier 's check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Debt collection (Credit card debt) with Forster & Garbus LLP (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: The FOSTER & GARBUS LLP / debt collector is pursuing payments even though the credit card in question was void in whole or in part due to identity thief and payments could not be collected. In addition, the debt collection has NOT provided validation of account and proof that it 's licensed to collect in New York State. The Debt collector created the false impression that they have a legal right to collect payments and that I have a legal obligation to pay off the credit card that has been again in whole and or in part voided due to the identity thief. 

The FOSTER & GARBUS LLP is impersonating as law firm, with has no legal right to conduct business in New York State, and continues to send me letters demanding payment for debts that I have no legal obligation to pay even after my two repeated attempts to ask for validation of the account but them refusing to provide it. 

I request under the Dodd-Frank Wall Street Reform and Consumer Protection Act, and under the authority that the CFPB has to take action against FOSTER & GARBUS LLP engaging in unfair, deceptive, or abusive acts or practices, or that otherwise violate federal consumer financial laws like the Truth in Lending Act to investigate FOSTER & GARBUS LLP / Debt Collector. 

Thank you Respectfully

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: On XX/XX/XXXX, I logged in to my Navient account to check on my Federal student loans. I noticed that Navient capitalized an interest amount of {$4200.00} on XX/XX/XXXX. This came without any notice. My loans have been in an in-school deferment status sinceXX/XX/XXXX,  and I am under the impression that interest on unsubsidized loans continues to accrue through deferment, but does not capitalize until the end of the deferment period. In my case, this is XX/XX/XXXX. I called Navient today to inquire about this  issue, and I was told by the customer service representative that it was due to a status change. I do not have a status change, because I am still a XXXX XXXX. I then asked if the interest is capitalized quarterly, knowing already that the answer is no. If interest were capitalized quarterly, then I should have had interest capitalize at the end of XXXX, XXXX, and XXXX. The answer I received was " ummm, yes ''. This does not make me feel very confident. This just adds to the list of the once a quarter phone calls I have to make to Navient due to something confusing they have done. The sad thing is, I 'm a XXXX XXXX in XXXX XXXX, and I still have trouble understanding what this company does. I feel bad for the tens of thousands of students and parents who do not have the specific education I have. I have attached the quarterly interest statements I have been receiving from Navient with their notes on interest capitalization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2017 about Debt collection (Auto) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is a very old account that is past the statute to report. I have disputed this several times and still nothing. This is against the law and violating my rights

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: transunion is reporting XXXX from my credit report its not mine

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