milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/21/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: In XXXX of 2016, I received notice from Bank of America that my Safe Deposit Box, which was free of charge for the past ( 10 ) ten years, would now be assessed a {$63.00} annual fee. Being that I have rarely, if at all used the Safe Deposit Box, I attempted on ( XXXX ) XXXX occasions to close it. With each attempt, I was met with resistance from the Bank of America Branch Personnel. The following are the types of resistance which were presented to me. ( 1 ) " You must make an appointment and come back at another time. '' ( 2 ) " You must have a government issued ID. The ID on your Bank of America Debit Card is not sufficient. '' The Safe Deposit Box is empty and all I would like to do is return the keys. I was told if I did not return the keys, I would be assessed a {$250.00} rekeying fee. This is the last account I have with Bank of America, since I have closed my checking account, but I continue to receive notices concerning the {$63.00} annual Safe Deposit Box 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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Problem with fraud alerts or security freezes

Complaint: Due to the XXXX hack I decided to freeze my credit for protection. On XXXX/XXXX/XXXX I logged on to both TransUnion and XXXX ' sites to perform the freeze only to find out that I will be charged {$10.00} by each company for the freeze? 

Why do I have to pay to have a switch flipped in a database? As a consumer who can not consent to these companies holding my data ( and insecurely ) Why do I have to further pay them? It also seems that I have to pay them to unfreeze my credit. This just seems very anti consumer.

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 12/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XX/XX/XXXX I received a collection notice from I.C. Systems, Inc. trying to collect a debt from XXXX. The letter was in my name but sent to an address I have never been to or lived at, then crossed out & forwarded to where I do live. I tried to contact them to resolve this & got no where. I have since received more letters, the latest XX/XX/2016. I called I.C. Systems on XX/XX/XXXX AGAIN, spoke to XXXX. She informed me I needed to call XXXX, which I did. I spoke to XXXX at XXXX, he looked up the account & verified that neither my ID, social security nor my address matched what they had & felt that I.C. Systems is sending this to the incorrect party. He instructed me to call I.C. Systems back & relay this info & tell them they need to stop contacting me since they are not doing their job correctly and if not I should file a complaint against them. Approx. XXXX., I called I.C. Systems back & spoke to XXXX. He was very adamant about not wanting to hear my explanation & said it was out of their hands, that XXXX was handling it. I told him that was false, I just got off the phone with them & would like them to stop sending these & he preceded to hang up on me.

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

Complaint: Yesterday evening ( XX/XX/XXXX ) I attempted to use equifaxsecurity2017.com to check whether my information was part of a hack Equifax experienced this summer. Instead of allowing me to simply check my status, it enrolled me in their XXXX service immediately upon entering the information requested, and asked me to check back in next week to confirm my enrollment. I do not consent to their service. 

According to Equifax 's website ( equifaxsecurity2017.com ) this evening ( XX/XX/XXXX ), my  personal information may have been compromised by their hack. I have been unable to contact Equifax to receive further information. As of XXXX EST this evening, their phone only gave a busy tone. I then called again at XXXX, stayed on hold for 56 minutes until the hold music stopped and only silence could be heard on the other side of the line. ( I then stayed on the line for at least another 15 minutes  hoping someone might notice me. ) Equifax provides no email address to contact them. 

I do not consent to waive my right to be part of a class action lawsuit against the company, nor do I consent to the use of their services. I have been unable to find a way to contact XXXX to request more information regarding my status on these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (RI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: called my parents house and my cell phone saying that there is a claim in there office and i am going to jail if i dont make a payment- they tried to get a payment from my father also he is a senior citizen ... ... scared him

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I am a XXXX XXXX Banking XXXX, with XXXX active credit cards from them. I have never been late with any of my cards ( chase or non-chase ), and have paid all of my cards in full every month. Also, the amount of money I have in my Chase bank account is a lot more than the credit limit they have extended to me so far. On XXXX XXXX, XXXX, after looking into my online banking account, I noticed that all my credit cards have XXXX available credit limit and are noted as closed. While really panicking, I called chase card services and all they are telling me is that the cards were closed due to bank 's policy with no further explanations or notes on the account. They are not telling me any details, other than that a letter will be sent out to me within XXXX to XXXX business days. The action they have taken is going to destroy my credit history since my XXXX cards are the oldest credit cards I have ever had, and most of the credit cards I have are with XXXX, and I put almost all my spends on them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: My recent balance on this card was of {$690.00}, today XXXX/XXXX/XXXX it was increased to {$710.00}. When I contacted the credit card company through email they replied by saying that I had a revolving charge of {$180.00} in my account and until I paid for that the interest were going to increase. I need to know what is this charge for because I pay more than the minimum.

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 06-08-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: During XXXX period of unemployment I was kicked out of a pmt plan to try to catch up because I did n't submit XXXX pmt on the XXXX.That cancellation consequence was n't disclosed to me. Wells Fargo told me I could apply for a modification in XXXX. I submitted my application and I had n't gotten much help from my agent. I submitted EVERYTHING that was required of me. They said that I was denied approval due to afforability and because I had already gotten a modification in XX/XX/XXXX. It was actually XXXX that I had gotten my modification. I appealed their decision with an updated decrease in income because I had a non-borrower contributor lose his job ; my husband. Also, I had a slight increase in expenses which does not allow for affordability. During the review process I was told that everything was on hold and to try and save my payments to pay at a later date. During the 7-month period I had another season of unemployment, birth of a child, and a XXXX for my child and for myself. These circumstances dipped into the savings i was able to retain. In XXXX they denied me and told me I was 8 mths behind and that i SHOULD have been paying all along. I had misinformation, inconsistent information, and had to speak to all different agents other than the XXXX assigned to me. I may have spoken to the agent assigned to my case XXXX or XXXX times. He never answered the phone. He never returned a call within 48 hours. I would get letters stating receipt of documentation usually. I would always have to call someone to find out what i needed next. Usually a lot of time had already elapsed be requests were n't made known ahead of time. They denied my appeal and now have me in a suspended forclosure status. I am waiting on a reinstatement quote letter that should have been ordered XXXX. I am still appealing their decision based on the 24-month modication rule i read upon and the affordability aspect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I had a Credit card from a company that I defaulted on. XXXX assumed the loan and contacted me. I agreed on an amount I owed and paid the debt. I received a notice of payment and though everything was fine. After looking at my credit monitoring service, I could see that XXXX ( XXXX ) reported correctly that the account was delinquent for the month of XXXX, then paid as agreed. However there was another month that showed up, XXXX. I did not agree with this and did a dispute. 35 days later the dispute comes back as updated and XXXX now list my account in the same closed status but with the delinquency months being in XXXX and XXXX, 7 months after the account was closed. I contacted XXXX and they said everything is fine from what they show and to contact the credit bureaus. I did, and issues a dispute per suggestion of the credit rep and waited another 30 days for the dispute to come back with the same delinquency dates being reported. I contacted XXXX again to ask why they would be reporting the same delinquency dates when my account was resolved in XXXX and have documentation from them on that. I questioned why they would not modify the dates on the new dispute if clearly My account had been closed since the beginning of the year. They said they are n't sure and to email the credit information to their disputes department I have that show the incorrect months being reported, which I did and have not gotten any response. I have been working on this issue since they day they reported the incorrect dates in XXXX. It is now XXXX and they still have n't fixed it. I am worried this has affected my credit profile to those creditors who pull my actual credit history and examine - such as an apartment complex as it makes it appear that my delinquency were much more recent than they are.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX thank you for removing the inaccurate items on my previous dispute but you didnt remove other inaccurate items that are in the attached files. Im sending this letter in regards to the remaining inaccurate information your company continue to place on my report. I have the items below in the file attachments. Please review the inaccuracies and remove the items within 48 hours of receiving this message. I am not attempting to collect a debt nor is this a threat but Im in the process of filing a lawsuit. I advise you to look over this matter and take serious precautions or else youll find yourself in a courtroom trying to defend every violation youve caused, pain, agony, embarrassment and the dark clouds youve placed onto my life. As of today Im sending this final letter as an affidavit and the final important notice to remove your obsolete, bogus, accounts and inquiries by today. I will be following up checking my credit to see if the inaccuracies are removed. I strongly advise you not to take this as a laughing matter, it is to be taken very seriously.

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 12/26/2016 about Other financial service (Money order) with PAYPAL HOLDINGS INC. (FL).
Issue: Unexpected/Other fees

Complaint: I recently used the Paypal service to make a payment to XXXX the online XXXX service. XXXX is a free service, but offered an upgraded membership with different pricing options. I chose '1 Month ' for {$19.00}. Instead of 1 month, I was signed up for monthly auto-billing against my will. I looked this up online and found this complaint is VERY common. I contacted paypal, told them I did not sign up for auto-billing, and requested a refund for the entire thing : XXXX and XXXX. I requested both months because I did not sign up for auto-billing, thus, never got what I paid for at all. I now have to spend hours filing complaints and talking to customer service just to get money back I never agreed to spend. Paypal must know this kind of thing happens all the time with XXXX, and is clearly ignoring it for the processing fees. When I contacted Paypal, they said they refunded it as a courtesy. They actually were referring to an earlier and separate issue, and never issued the refund requested. I do n't see how tricking someone into trying a service so you can access their bank account to take more money then you are owed on a mass scale is not Grand Theft/Fraud, please someone explain.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Fay Servicing, LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I have owned my home for nearly 25 years and am facing a foreclosure sale due to a non responsive lender, Fay Servicing. I have tried repeatedly the last couple of years to resolve my mortgage delinquency with Fay, but my requests for help have been ignored, reviews have not been opened, they have sent people out to shake me down -- one time they actually had a company come and break into my home and shut off the power and disconnect the utilities!! They have done everything except what they are supposed to do, which is WORK WITH ME! I make a good living, I am a self employed entrepreneur and never had any issues making my payments until I had major problems due to XXXX. I was in and out of the hospital and literally missed a full year of work. On top of that the medical bills were devastating and I fell behind on all of my payments. 

I wanted to save my home and since I had a XXXX loan I believed that my lender would work with me. I began the process of review for a modification but before the review could be completed my loan was transferred to another company. I began the process again and submitted the necessary documentation for review and was starting to get traction when once again my loan was transferred to another company ( Fay Servicing ). This was beyond frustrating as the delinquent amount continued to grow. Fay Servicing told me they would not work with me and that I needed to pay the full past due amount to them or I was going into foreclosure. I am not in a position to reinstate the loan, but I do make a good living and I have been told there are multiple programs available for struggling homeowners through XXXX program, yet Fay Servicing has never ONCE reviewed me for any of these programs or given me the opportunity to be considered for help. Fay Servicing was also the recipient of {$70.00} XXXX dollars in bailout funds and I thought they were required to consider me for the government modification programs. I have tried multiple times to resolve this matter and work towards a solution, but feel that I have been obstructed at every turn. I am asking for the actual opportunity to be reviewed for all programs so that I can save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Money transfer, virtual currency, or money service (Virtual currency) with JPMORGAN CHASE & CO. (OH).
Issue: Fraud or scam

Complaint: I was speaking to someone on the phone about purchasing tickets and I sent him money for the tickets as we were talking he hung up and I could get ahold of him. I contacted XXXX immediately about this to dispute and hopefully reverse the transfer. I filed a police report and chase told me they could n't help. I gave this person {$210.00} and will never see it again and XXXX was of no help.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation so many inaccurate information not mine id theft victim ... 

ftc and id theft gov

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 06-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Tormey Bewley Corporation (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I get an utilities bills from a collection agency posted on my credit bureau on XXXX/XXXX/2010 for an invoice that I never received from company and ask this to be removed from my credit with Transunion.

Company response to consumer: Closed
Consumer complaint received 03/27/2017 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX/XXXX/17 I disputed an erroneous account appearing on my credit report ( see CFPB case # XXXX. The line item is # XXXX pertaining to Idaho XXXX. Idaho XXXX failed to reply after 60 days. Due to their failure to respond within the 30 day period set forth by federal regulations, This item must be immediately and permanently deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2017 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: Equifax security breach cause some unknown item on my report sent the po report to XXXX and XXXX cant pull equifax

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I filed a dispute with Experian XX/XX/XXXX for inaccurate information showing up on my credit report for XXXX XXXX XXXX. I do not understand how XXXX/XXXX are not reporting this account but Experian do and carry a balance of {$3.00}, XXXX. XXXX XXXX is reporting incorrectly as well due to a balance of {$6000.00} on Experian and for XXXX / XXXX is showing a balance of {$0.00}. XXXX XXXX XXXX XXXX shows 130 dsys late on Experian XX/XX/XXXX but XXXX   don't report it and XXXX  report me being 120 days late XX/XX/XXXX. Since XX/XX/XXXX I been fighting to REMOVE inaccurate information off my report. I just received a letter from Experian stating they will not reinvestigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I entered into a repayment plan with The XXXX XXXX XXXX XXXX for loan repayment. As promised by the XXXX XXXX XXXX XXXX if I paid on time and completed the rehabilitation program they would once completed restore my loans to current and remove all late or defaulted and negative marks. This has not happened! XXXX XXXX XXXX XXXX has not removed the negative remarks from my credit file from notvone of the XXXX credit agencies as terms of the XXXX XXXX program. I paid every month on time as agreed.

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 07/23/2015 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (FL).
Issue: Credit decision / Underwriting

Complaint: I have called BSI to try to get this handled and they would n't report it to credit beau they said it would take them 30-60 days for them to report it. It has already been over 30 days I 've sold my house and they still have n't reported it. They treated me like a 5 year old child and that I have no rights as a consumer. I tell them about the civil liability for willful noncompliance and they laugh at me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX, 2016 I disputed XXXX XXXX and requested validation of the account via certified mail ( XXXX ). 
On XXXX XXXX, 2016, I received a letter stating XXXX XXXX could not locate my file and I needed to provide the full account number and social security number. 
Clearly, if XXXX XXXX is reporting this information the the credit bureaus, they should be able to validate the account. I have enclosed a copy of the signed letter with my full name along with my address. It has been over 30 days and XXXX XXXX still has not validated this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation