milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/24/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: In XX/XX/XXXX, my business was a victim of fraud at the hands of BofA. An unknown person contacted BofA and requested a change to my account. What BofA agreed to do, without my consent, was transfer all receipts from my merchant account to an unknown XXXX XXXX account. At the same time, the fraudster also gained access to my merchant ID and established an offsite terminal. Then, with XXXX stolen cc, they processed charges in excess of XXXX, which appeared to originate from my office, yet went directly into the XXXX XXXX account. I believe that this event was an inside job because my security practices are consistent ; filing cabinets are always locked, sensitive information is always shredded and I never share banking details. Further, there was no break-in at my office. After considerable frustration and many calls to BofA, they eventually restored my losses, in excess of XXXX US. Jump forward to XX/XX/XXXX and I receive a Chargeback letter from Merchant Services for {$6700.00} and the disputed transaction occurred on XX/XX/XXXX ( at the same time when the fraud began ). Unfortunately, the unidentified XXXX consumer reported this as an unknown charge, and of course, I do not know who the person is, where they live, nor do I have any accounting record or receipt of the {$6700.00}. Basically, BofA 's security and forensics failed and they are attempting to extort their losses from my business. The chargeback notice was received on the same day as the deadline to respond, which is also unethical and creates needless anxiety and frustration for me, a long-term customer of this bank. To add insult to injury, I have spent three days trying to reach the Fraud managers who helped me with this claim a year ago. They have not returned XXXX of my calls. I have left messages with XXXX XXXX ( XXXX ) and her supervisor, XXXX ( XXXX ). I 've also attempted to get resolution with my local branch and many XXXX numbers, being kicked like a can down the road 8 times with various people and departments. All claiming that I need to talk with someone else. I still do n't know who or what department to contact. I am not responsible for BofA 's failure to secure my business account. They hold the " keys '' and allegedly let a stranger fool them with my account. Had they simply called me or sent me an alert, like they do when I fill up for gasoline at a non-typical place, this could have been better controlled.

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 07/13/2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (PA).
Issue: Account opening, closing, or management

Complaint: I presently have US Bank which operates my loan. I have paid them on time and the same amount for over a year without any issue. I am a good customer with a good credit score. 

I applied to US Bank for a VA Home Refinancing with Cash-out. I wanted to do home improvements and clean debt. My home appraisal came out to {$320000.00} and cost {$400.00}. During the initial process, I explained to XXXX XXXX and XXXX XXXX that I work for a captive law firm, and while my law firm was in existence for just over 14 months, the firm itself had operated in the same location, with the same client base for over 16 years. They said this would not be a problem. They were very responsive in the beginning, and i provided all documents timely. 

HOWEVER, all of a sudden they went radio silence. I find out the Underwriting team wo n't approve the loan because I do n't have two full years of business records for the firm. This firm employees over XXXX people and been operating in the same place and location for over 15 years. I had to leave five messages before I could get a call back to tell me the whole process was for not. When I asked why they did n't confirm underwriting would be ok with my situation before taking my {$400.00} for the appraisal, XXXX XXXX responded : " We do alot of business, to do thing, s one at a time would be too slow. ''

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 08-03-2016 about Bank account or service (Other bank product/service) with BARCLAYS BANK DELAWARE (WA).
Issue: Account opening, closing, or management

Complaint: XXXX 's client, XXXX XXXX XXXX is an identity theft victim. Several credit accounts were established and attempted using his information without his consent. Once of these accounts was attempted with Barclay 's Bank Delaware. The attempt left an inquiry on his credit report that is related to the fraudulent activity. A dispute was sent by this office on behalf of our client to Barclay 's Bank twice in an effort to remove the inquiry as fraud related as outlined in the FCRA. Both times Barclays Bank has denied removal of the data stating the factor in keeping the inquiry listed is an email address that is not even correct for the client. I have explained to Barclay 's bank that per the FCRA a police report was provided indicting this attempt was fraud related however Barclay 's Bank is continuing to violate the FCRA.

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 01/15/2018 about Debt collection (Other debt) with Accelerated Financial Solutions, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Accelerated Financial Solutions violated fair credit reporting laws! They reported a debt that I called and disputed before they reported it. I disputed the validity of the debt before the 30 days that credit reporting law allows, and they reported it anyway! Now it is showing on my report and made my credit go down and I am disheartened by them violating my rights and degrading my credit score. On XX/XX/XXXX Accelerated Credit said they would not be reporting/stop reporting and then reported it to the credit bureaus on XX/XX/XXXX, and I want it deleted immediately, per fair credit reporting act law. Find copies attached. 

Accelerated Financial Solutions , LLC XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX : Case # XXXX, XXXX XXXX Accelerated Financial Solutions , LLC received and reviewed the complaint submitted by XXXX XXXX. We understand that XXXX XXXX is disputing the account. We have asked the original creditor to provide us with the supporting documentation regarding the above mentioned account. In the meantime, we are requesting the credit reporting agencies remove this trade line and we will cease all activity on this account while we investigate this matter. Upon completion of our investigation and receipt of any supporting documentation, we will provide you with a copy of all material we receive in whatever fashion XXXX XXXX would like ( email, fax, etc ). 

If you have any questions, please call us at XXXX. Our office hours are Monday through Friday XXXX EST. 


Sincerely, Dispute Resolution Accelerated Financial Solutions , LLC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rossman & Co & PCB (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: ROSSMAN & # XXXX reported an account that was in a Bankruptcy and need to be updated properly. The original holder of the account was # XXXX This is a error and needs to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Credit card () with IMC Capital, LLC (CT).
Issue: Unsolicited issuance of credit card

Complaint: I received in the mail an unsolicited credit card in my deceased husband 's name, at the address of the family farm for XXXX XXXX Preferred Card with a {$500000.00} available credit. Only tele-phone number is to activate card ( XXXX ), same with email address ( XXXX ). I could only find on the computer an address for this company that seems to be a fake -- in California. From internet research this is a scam which previously had slightly different company name and an address in AZ. I want to be certain that this company knows this card is illegal and is stopped from sending these. I am concerned about identity theft and that something awful could happen to my finances as a result of this. I want to be sure that it wo n't influence my credit score or reporting. The letter that came with the card has the disclaimer on the back that it is not an offer of credit, but that XXXX XXXX wants to verify financial information and credit worthiness. I want to be sure they can not access this information. It is not possible to contact the company directly since the only available phone number or address are to activate or seem to be fakes.

Company response to consumer: Untimely response
Consumer complaint received 09/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I pay bills the day I receive them, and I always pay my credit card bills in full. And because I am uncomfortable with electronic means, I insist on receiving a MAILED paper monthly statement. 

So when I am charged {$25.00} for a late fee, it either means that the letter carrier somehow " lost '' the statement, or the bank did n't send me one.
In the past few years I have been charged over and over for paying late. I suspect that the credit card company ( in this case Bank of America ), declines to mail a paper statement every few months to customers who pay in full their balances.
I have paid " late fees '' over and over in the past few years, and I am tired of it. One or two of those I may have misplaced and was thus legitimately charged, but the majority of them I did not receive.

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 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/2018 DATE OF OCCURRENCE CREDIT REPORT FROM TRANSUNION SHOWS ON XX/XX/2018, THERE HAD BEEN A HARD INQUIRY FROM XXXX XXXX XXXX XXXX. AND THIS IS FALSE. I DON'T WANT IT ON MY CREDIT REPORT FOR TWO YEARS, OR TWO DAYS!

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 04-11-2017 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Adding money

Complaint: On XX/XX/XXXX 2017, American Express made a decision to limit how I could add funds to my Bluebird prepaid debit card which I have used for direct deposit of my Social Security XXXX benefits for quite sometime. However, they failed to notify me of this adverse action until a letter dated XX/XX/XXXX, 2017. In this letter, they indicated that I was no longer able to have direct deposits added to my account due to " suspicious activity. '' I found out the hard way of this decision at the beginning of XXXX/end of XXXX when my XXXX benefits were not deposited as expected, and I called American Express to learn from a from a representative that this decision had been made on XX/XX/XXXX Apparently the representative was not supposed to inform of this decision. Having XXXX, I know that any adverse action by a bank requires an adverse action letter which I did not receive until after 30 days from the decision and action. This is a clear violation of banking regulations I was harmed by this action because I was UNABLE to get my XXXX as expected on XX/XX/XXXX, 2017. ( American Express is one of the issuers that deposits the benefits payments early. ) I did not receive my benefits payment into my XXXX account until the XX/XX/<YYYY>. 

American Express has been without remorse since this decision. This was a petty and nonsensical decision. How does limiting my ability to have direct deposits from the US government limit American Express 's exposure to suspicious activity? 

AMEX should not be allowed to behave in such a manner!

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Debt collection (Federal student loan) with Newman, Mathis, Brady & Spedale (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I did n't take a loan for XXXX. From this college. I only took XXXX classes and those classes did n't cost 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 12/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with NCSPLUS INCORPORATED (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted by NCSPlus stating I owed money to XXXX University ( XXXX ), I disputed the debt and requested transcripts particularly grades and assignments of classes that I allegedly took, attendance records, I also requested documents with my signature agreeing to pay for any classes. Thirty days went by without a response, around the two month mark they sent a letter stating they verified the debt, yet they provided absolutely none of the requested documentation. I never took any classes from XXXX, as a matter of fact I was attending another college at the very same time, taking the same courses, they were stating I was taking at XXXX. I have documentation from the other college, USPS receipt and copies of correspondence from NCSPlus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11/30/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Billing disputes

Complaint: In XXXX of 2015 I closed my credit card account with Bank of America. In XXXX of 2015, a company attempted to process an annual recurring charge of {$99.00} to the closed account. Bank of America accepted this charge, even though the account had been closed for seven months, and then sent me a statement requiring payment. I immediately contacted Bank of America to inquire why they accepted a charge on the account, even though the account was closed. Their response was that it is Bank of America policy to accept recurring charges, regardless of whether an account is open or closed. 
I have made numerous calls to Bank of America requesting that this charge be taken off of my account, due to the fact that the account was closed seven months prior to the charge being submitted. They have refused to remove the charge, and have taken the position that I am responsible for paying the {$99.00}. 
It is my contention that they should have never accepted any charge to an account that has been closed. They have been uncooperative with my attempts to rectify the situation, and I am requesting that your agency intervene to assist me with this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: There are numerous credit inquiries that are showing up on my credit report that were previously off of my credit. The representative told me that she did n't believe I was apart of the clitch that happened with their systems. I tried to explain to the representative that these inquiries were off and have been placed on my credit report and in some cases I am seeing the same creditor on their twice. These inquiries are really hurting my credit score and I am in desperate need of a resolution.

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 07/30/2017 about Checking or savings account (Savings account) with JPMORGAN CHASE & CO. ().
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I received a letter from Chase informing me that they were transferring my funds from both checking/savings accounts to the state the last week of XXXX, 2017. Since the letter had to be sent via airmail, I had a very little time to stop them. My accounts had been inactivated so I had to make an international call to spoke to their customer rep. Although that phone call stopped them from transferring my funds to the state, my accounts were remained inactive despite their promise to reactivate within 2-3 business days. I told them I would rather close my accounts than reactivating them since it was getting harder for me to maintain my accounts from overseas, which they told me to file a request from their website after they reactivated my accounts. But apparently, they had deleted my ID and password, and I could n't log in. Each customer rep told something different, some of which sounded rather questionable and knowledgeable.
My accounts had remained inactive for 4 months, then out of the blue I was told that my accounts have been reactivated AFTER I had been trying to CLOSE XXXX my accounts. I even sent my notarized request via fax just like what they told me to do in order to close my accounts. I chose to fax it instead of mail it due to their lousy service ; I had to take a trip to the US embassy in XXXX and paid {$50.00} to have my request notarized. I did n't want them lose it ; I had no more trust in their ability to do their job. I would NOT want to take another trip to the embassy and pay another {$50.00} to have another request notarized, which is I think is the likely scenario considering.
Now, they are telling me I must " mail '' my notarized request, that faxing wo n't do, which is the first time I heard. They said I could either fax it or mail it. And I chose to fax it because their words can not be trusted, NOT ANYMORE after all this. I do n't want to spend any more money trying to close my accounts. I did tell them I would be contacting CFPB as my patience was wearing thin.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Debt collection (Credit card) with Altisource Portfolio Solutions, S.à r.l. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have been a victim of identity theft. I had filed a previous complaint against the original creditor on XX/XX/XXXX with the CFPB. CFPB Case number : XXXX was the complaint against XXXX for an XXXX XXXX credit card, account ending in XXXX, that was charged after I had lost my wallet. 

On XX/XX/XXXX, I received a letter from XXXX stating:1. That this debt was discharged by XXXX. 
2. All Charges were removed. 
3. All credit reporting agencies will be notified to remove the account from my credit report. 

I have since been receiving collection letters from a Nationwide Credit , Inc. on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX attempting to collect on this debt. I assumed the first XXXX letters, even though they were one day apart in their creation, were so close to the date of the discharge that Nationwide Credit , Inc. had not been notified of the decision by XXXX. When I received the letter dated XX/XX/XXXX, I can only assume that Nationwide Credit is illegally collecting on this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (I do not know) with Ability Recovery Services, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XX/XX/XXXX 2017 {$1700.00} I have never enrolled in this school. I have tried to contact them on the matter with little to no information, I have also filed disputes and still nothing. I called the XXXX and started another dispute and now Im waiting. I had started receiving emails from them but had no idea of what they were talking about and the emails just kept coming.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NM).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I graduated from XXXX XXXX in 2007 with over XXXX in Federal/Private loans through XXXX XXXX. Since 2007 I have been taking advantage of every opportunity to lower my payments and defer most of them ( to this day I still cant afford to start on the federal loans ) I am at a tipping point, every month it gets harder and harder for me to keep up with my loan payments and in XXXX my lower rate plan will end and my student loans will rise. I am panicking as I do n't know how I will afford them. Had I know at anytime during my time at XXXX XXXX that my loans would be this much I would not have attended this school. It seemed every-time I met with financial aid to re-sign those loan papers my estimated repayment was always around XXXXmonth, not the actual XXXX or higher/month that it really is.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Credit card () with CITIBANK, N.A. (MI).
Issue: Customer service / Customer relations

Complaint: I called Macy 's CS in XXXX to make sure my auto payments of $ XXXX/month would cover the amount owed within the time frame left on the no-interest Special Event balance and was assured that it would. 

On XXXX I was checking my bank checking account and noticed the auto pay had been reduced from $ XXXX/month to {$25.00}!! 

Made XXXX attempts to reach a representative at CS. No options were available to connect to an actual person, unless I just hung on and did not input my account number. ( I was later told there was something wrong with the system. ) The XXXX rep I spoke to after waiting over XXXX minutes, XXXX, did not know why it had been changed, but agreed to cancel the {$25.00} auto pay and adjust them so account would be paid off within time framed allowed for deferred interest. I was again put on hold. 

When she came back on the line, she said I had made the payment of {$25.00} at a Macy 's store. I HAD NOT and on my end it clearly stated that it was a web initiated payment. I asked to speak to a supervisor and was put on hold, again. 

When supervisor XXXX came on the line. she explained that the change in payment amount was because of a system upgrade linked somehow to XXXX XXXX and all auto payments scheduled were not carried over. I asked how Macy 's could change contractual arrangements it had with its customers and not advise them of the change?? She said I had made the auto pay arrangements through my bank, which I had not. I asked her how she was going to fix this and was put on hold again! After a lengthy wait, my call was DISCONNECTED. 

This entire unsatisfactory process took at least and XXXX minutes and NOTHING WAS RESOLVED. 

I question both the competence and legality of this behavior on Macy 's part and am therefore sending a copy of this letter to the Consumer Finance Agency.

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