milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2016 about Bank account or service ((CD) Certificate of deposit) with JPMORGAN CHASE & CO. (FL).
Issue: Account opening, closing, or management

Complaint: After receiving an email from Chase, I called to close a dormant CD ( from interest they did not provide at cd closure ). The representative told me he was unable to close my account, but could transfer it to my savings account and I could go into a branch to close it. I told him I did not have a savings account and he said yes I did and confirmed that my name and my social was on a savings account. I explained this was strange, but agreed. I then went into the branch XX/XX/XXXX to close the savings account, only to find someone else had already withdrawn the money as there were other UN-known customers also on the savings account?? When the representative pulled the signature card they found that I was not officially listed on the savings account ( only in the computer ) -- and that in some merger with Bank One my name had been electronically added to this savings account in error. He did confirm the CD where the funds came from was solely my account, but the savings that they transferred my funds into had others on it -- and I had been added to the account in the bank error. So admittedly they had given my money to another customer! 

Understanding how confusing this was agreed to leave the branch, giving them time to figure it out. It is now XX/XX/XXXX, over 2 entire weeks later and I still have no answers and no money. They finally took the branch out of the loop and gave me an executive representative, who left me a voicemail and I have called back twice on different days now with no return call back so we have yet to even speak after 3 more days now. I feel I have been more than patient in giving the bank more than two weeks to figure out the bank error, but at this point feel I am being taken advantage of. 

It has already been confirmed the CD was solely in my social security number ( and have received XXXX ) and that the savings account my funds were placed into was not mine and not withdrawn by me. This is clearly bank error, and admittedly so by the branch, I do not understand what is taking so long to gain access to my funds. Very frustrating by getting absolutely no attention whatsoever by the bank even after I had it escalated. So very scary that their system has added me to an account that I 'm not on and if crooked could have accessed?? Chase has given my money to someone else and are not willing to fix their error. Help me, this is unfair!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-07-2015 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (TX).
Issue: Problems when you are unable to pay

Complaint: the interest is astronomical and unethical this should not be allowed the interest is 400 %

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have written Southwest Credit several times asking them to very the debt that they claim I owe. They have not provided me with any paperwork saying that I signed my name to a contract, only thing they keep sending out is a Bill. A bill does not validate a debt. I have been a victim of identity theft in the past. All i want is validation that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX XXXX at XXXX, texas XXXX, XXXX XXXX used outdated information against me in the Texas corporate law of Texas, would not give me copy, asked to mail me one instead he change subject, tried to manipulate me, i know this i have receive a settlement on the same law violation, I told them that like he did not care ( corruption ) and working another one,,, ,XXXX is commit fraud, discriminate, identity theft or XXXX,,, he could not go back so far, not work related, not to exceed a certain amount, its clothing co,,,,, he claims he does it all the time its company policy to brake the law or bended engaging organised crime thru parties,,, the client tells him to do it,,,

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Debt collection (Auto) with AFS ACCEPTANCE, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: The " gentleman '' called my employer and told the receptionist I am over XXXX days late on my debt and said I was " being so very irresponsible '' When I finally got on the phone with him I told him I was at work and he responded with " Well you are irresponsible and you do n't take care of your bills '' He was so very disrespectful and I will make sure to contact a lawyer to see what my options are. 

I am battling a death of a parent, a XXXX, XXXX kids, and I got XXXX days behind on a payment because I had to deal with unexpected expenses from an unexpected death. I had planned on paying the following day on my payday. LIFE SOMETIMES HAPPENS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (AZ).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: In XXXX the Care Credit company upgraded my card to a XXXX. I did n't have a balance on the card at that time but used it that month. When the bill came I accidentally paid the old card. They were very helpful and took the past due amount off and explained that the old card should have been closed and funds applied to new card. In XXXX I got 2 bills, one for each card and it showed I owed XXXX on old card so I paid it and XXXX on new card. This month I get 2 bills again stating that I am past due on the old card but the new card shows both the payments I sent. They insist that my bank returned the money and that it was n't paid. After over an hour and 5 different people they agreed to waive the interest charge, move the money from new card to old to make it a XXXX balance. They did take the fees off but never moved the money. If I pay the card I know that the money will be transferred to new card and we will start this battle again. Now I am emailing back and forth and they are once again telling me the charge was rejected by the bank. Worst case of customer service I have ever had. The bill is due in 2 days so I guess I will pay it again but this should n't have been such a big hassle. It clearly shows on my new account two payments so why ca n't they just fix it.

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 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I filed bankruptcy about 2 yrs ago or so and had a clean slate but not everything seemed to come off or appeared later that I have 0 clue what it is. There 's a XXXX XXXX card that wo n't remove itself even though it was included in my bankruptcy. 

I 've only applied for 3 things XX/XX/2017 XXXX XXXX XXXX.. my credit card XX/XX/2017 XXXX.. A car XX/XX/2017 XXXX XXXX XXXX A 2nd car myself.. 

All the other inquiries I was informed could be part of a glitch and before I filed bankruptcy and seemed to pop back on someone. Please remove all these inquiries.

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 05-05-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hello, I 've been paying on my Navient private student loan since my graduation in 2010. I have had repeated instance of Navient mishandling my payments, resulting in late fees. I am also currently being charged over 10 % interest rates on XXXX loans which equal up to {$28000.00}. They have given no option to lower these interest rates, and when I call to handle billing issues, it takes hours on the phone to get the issue resolved, only to become an issue during the following months ' billing cycle. 

We need real help with private student loan scams from Navient. They are allowed to mistreat borrowers without any repercussion or oversight. I am seeking government assistance due to the fact that I ca n't pay my monthly premium, as well as afford to live. As I mentioned, I have been paying now for six years and my premium balance has increased almost {$10000.00} due to interest. 

We need help. 
Please. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Mortgage (Conventional fixed mortgage) with Sarma (NC).
Issue: Application, originator, mortgage broker

Complaint: I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE I HAD A HARD INQUIRE FROM SARMA MORTGAGE DEPT THAT I DIDNT MAKE I HAVE NEVER TRYED TO GET A MORTGAGE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Debt collection (Non-federal student loan) with AES/PHEAA (GA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I advised the person that they were becoming abusive by yelling into the phone and the person told me that I should be quiet and when they finished, then I could speak.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: I have been a Bank of America customer for about 10 years holding multiple money market accounts, checking and savings accounts. i also had several credit cards which i paid in full and never had an outstanding balance on. my credit score is above XXXX as well. last year i received letters from BOA stating that my XXXX credit card accounts were closed and my checking and savings were to be closed within 30 days to make arrangements to get my money. no problem. my concern was the XXXX points i have EARNED with my royal XXXX card. they told me i could n't get the points to redeem because the account was closed i advised them the contract says if i close the account i will lose it however i was given no warning about the closure or given the opportunity to redeem the rewards i earned and received. they would not give me a reason why the accounts were closed and just said it was a business decision. i called corporate and all, and got nothing. i was only concerned with having to redeem my points but they refused to honor the fact THEY closed my account and i did not breach the terms and conditions which is extremely unfair. i earned those points and rewards and am entitled to them. i have contacted a civil attorney to fight for whats morally right here. since, i have a new bank and have no issues. even the BOA branch had no idea why BOA corporate " ended my relationship '' with the bank after 10 faithful years and abiding by call contracts. i had used this card faithfully for several years and paid the card in full faithfully, never missing a payment. I earned thousands of rewards points and was n't given the opportunity to redeem them because BOA closed my account without any warning ( as they sent me a warning letter for my checking and saving ) why couldnt they do the same for the credit card accounts. this has to be a scam or a breach of security or contract on their end! they refuse to provide me with any details or explanation which can not be right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: EOS CCA states they reviewed collection account. They have not sent me in mail any true validation and contiue to state we are in agreement.They also continue to report on my XXXX credit reports. 

They state that they US ASSET MANAGEMENT INC are the original creditor in letter and XXXX are the current creditor at top of letter. 

And at middle of letter state ORIGINAL CREDITOR : XXXX with their address. 

I have no agreement or account level signiture with US ASSET MANAGEMENT INC or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: there were several inquiries in my credit on XX/XX/XXXX regarding a car financing application. I only applied with one institution, but the dealer sent it to several banks including a bunch of hard inquiries in my credit

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 12-05-2017 about Debt collection (I do not know) with Co-Operative Adjustment Bureau, Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I rented an apartment from XXXX XXXX XXXX an XXXX XXXX XXXX property. We discussed a one year lease from XX/XX/XXXX - XX/XX/XXXX and was not informed about the company policy for leases going to month end when they are signed mid-month. I gave notice when my lease was ending that I was moving out and was informed that I was obligated to stay till month end. I contested the issue with the property manager that such a  policy was not made known to me at signing. She referred the issue to her manager ( XXXX XXXX ) whom I emailed twice seeking to resolve the matter. She responded to my initial email and failed to respond subsequent emails I sent asking to the issue be referred to a senior manager. She never responded to my emails and the alleged amount I owed was sold to a collection agency, XXXX XXXX XXXX. The collection called my wife with whom I was separated from then to convince to confirm my personal information. She referred the agency back to me and I asked not to be called again about the issue. The agency disregarded this and continued to harass me over the phone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Mortgage (Conventional home mortgage) with SIERRA PACIFIC MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: I sent off my XX/XX/XXXX mortgage loan on the XX/XX/XXXX day of that month, and the mortgage company received it on the XX/XX/XXXX and cashed it on XX/XX/XXXX from someone in the XXXX XXXX XXXX XXXX XXXX. I have proof of the check that was sent out to XXXX XXXX XXXX XXXX in the XXXX XXXX XXXX, CA. I tried a few times to up load 3 paper statements showing proof of payment, fax cover, and another proof of payment. I disappointed that my check has been cashed, and it is not anywhere to be found.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Debt collection (Credit card) with P&B Capital Group, LLC (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Called my father and asked for information on me. Would not say what they were calling about except to say that they were calling about a legal issue. They did not call me first instead they contacted my father. I have heard nothing from them even now.

Company response to consumer: Untimely response
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a charged off account with XXXX XXXX XXXX. XXXX XXXX XXXX has been inaccurately reporting on my credit report as they have sold the account to XXXX XXXX XXXX. I receive mail from XXXX XXXX XXXX  attempting to collect on the debt as well as a letter from XXXX XXXX XXXX regarding my XXXX XXXX XXXX account dated XXXX X,2017. When I contact XXXX XXXX XXXX they can not assist me with my account, so why are they still reporting on my credit report even though they no longer have my account to resolve.

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 07/28/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Credit card protection / Debt protection

Complaint: For the past two weeks I have received repeated emails from Capital One informing me that access to my " on line is locked for too may attempts to log in ''. I have called Capitol One, and have spent far too long on the phone to communicate/explain that I do not use my account for on line payments or for banking. I have asked for my account to be closed, which, at this point the agent panics, and forwards my call to a fraud management process that makes it impossible to get an answer on where, whom, and how someone was trying to access my account. The agents insist repeatedly that it is me trying to login in with the wrong password, and I repeat over and over again to the several customer reps that I have NOT tried to log in! It is a vicious circle that leaves me feeling helpless, and unable to have control of the security of my finances. 

( 1 ) The XXXX notice was received on XX/XX/XXXX notifying me that my on line access to Capital One 360 Banking account was locked for too may attempts to log in. I do not have such an account!, nor did I try to log in! I contacted them on XXXX/XXXX/XXXX to ask what was going on, and after XXXX hour on the phone they said it was a mistake! It is clear that someone was trying tool in to an account in my name, and they Capital One has no idea how to deal with the situation! 

( 2 ) The XXXX notice on XX/XX/XXXX informed me that my credit card account was locked for too may attempts to login on line. I was on vacation, did not try to access my account on line ( never do ). Called on ( XXXX ) to try to fix the situation, and was sent into another endless parade of customer service agents whom have no idea of what they are doing or what they are taking about. 

Seeking CFPB 's assistance in making Captiol One fix what is wrong, and find a better way to communicate with customers ... ... especially using agents that are american, and are not reading from a prepared script. 

I plan to close the account, but still want answers form the head of Capital One as to what was happening with my account. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I responded to a XXXX % APY, 12 month, offer from capital one by cashing a couple of Checks they had mailed me. The transfer fee amounted to {$210.00} or 3 % of the amount the checks were written for. By the end of the first month in the loan they charged my linked checking account the entire loan amount plus transfer fee. The reason being that autopay was set incorrectly to " pay monthly balance ''. I tried plead with them unsuccessfully. One manager offered to reimburse half the fee. I did not agree.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/26/2017 about Debt collection (Mortgage debt) with Shapiro, DiCaro & Barak, LLC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: In  XXXX  o f 2015 Debt C  ollectors by the  na me SHAPIRO, DICARO & BARAK employee sued in the Supreme  Court of  XXXX   County wi thout ever properly serving i, my husband, and grandfather of the lawsuit. Debt  Collectors by the name SHAPIRO, DICARO & BARAK employee/ associate stated on the court record they   served  XXXX   XXXX   XXXX    , in wh ich the Deb t Collectors, SHAPIRO , DICARO & BARAK claim is a family member of mine. I do not   know of any person by the name  XXXX   XXXX   XXXX   nor do I have any family by that name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Over the summer, my wife and I discovered some inaccuracies on our Equifax credit report. 2 months ago to the day, we wrote Equifax asking them to investigate the errors. 60 days have passed without a response, and they are supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Credit decision / Underwriting

Complaint: I reside in Washington, DC and earlier this year I was approved to purchase a condominium through a DC government program for less than half of the market value. I make {$46000.00} a year, I have a good credit portfolio and an average credit score of XXXX. I was pre-approved by Bank of America Home Loans to purchase the property using A first time homebuyer second trust government backed loan. The DC government has allowed me to purchase the property based on my income. The monthly payments XXXX mortgage, condo fees and taxes XXXX fall within the proper debt to income ratio. However, according to Bank of America the underwriter has not approved the loan because they are projecting the monthly tax payments On the appraised value of the property. The property I am trying to purchase is an affordable housing unit and and DC law states that based on my income I am eligible for tax abatement.

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