milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-12-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Deposits and withdrawals

Complaint: i was charged XXXX in overdraft fees for XXXX transactions ( totalling {$20.00} for all XXXX ) due to the banks ATM machine not accepting my cash deposit. I was basically called a liar and advised that people before and after me were able to make cash and check depositis without any problem. I told them they should check the video footage then and they 'd see i had a problem. waiver request was denied. i did n't have access to the internet to do an electronic transfer and the ATM that i knew of ... i would n't have made it there by the XXXX cutoff.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-08-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Managing, opening, or closing account

Complaint: I was issued a refund for some gifts i recieved as a house warming gift on XXXX/XXXX/2016 onto my temporary american express serve card ending in XXXX the merchant released the funds two days later and XXXX has refused to realease the funds back to me it is now XXXX XXXX and i have yet to have access to my funds i was promised a resolution by XXXX XXXX th and still nothing! I would like to expell all my funds and close this account

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (DC).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/16 my bag was stolen containing all of my bank cards as well as my ID. I filed a police report with the XXXX XXXX police Dept. in XXXX. On XXXX/XXXX/16 in filed a claim with M and T bank making them aware of a number of fraudulent charges which had placed my account into a negative balance ( XXXX ). After several days I inquired with M and T Banks Dispute Claims Dept. and they informed me that the claims were denied. I asked the phone representative why they were denying the claim and they said I needed to write, sign and submit a statement saying that I did not make nor was I aware of the charges stated in the complaint. I immediately yet still the claim is being denied. In the interim my direct deposit from my employer went into the account which was immediately consumed by the existing negative balance. M and T did initially issue a credit for XXXX of credit card transactions however the bulk of the charges were ATM cash withdrawals. My PIN was not on the card however all my cards use the same PIN. Any review of the ATM cameras associated with these transactions should easily show that I did not make nor was I aware of these withdrawals. Your help in resolving this matter is greatly appreciated. 

Case ID XXXX and continuation of the Case ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Portfolio Recovery Associates is engaging in flagrant violations of the Fair Credit Reporting Act by continuing to report a debt and derogatory mark that they had agreed to delete from my credit report. They deleted the derogatory mark from the credit report on XXXX. However they have not deleted the derogatory mark from XXXX or XXXX. Portfolio Recovery Associates is engaging in unfair and deceptive business practices and is flagrantly violating the Fair Debt Collections Practices Act and Fair Credit Reporting Act. Portfolio Recovery Associates is engaging in retaliatory and illegal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: For many years I contacted XXXX XXXX /navient to inform them that I was not able to pay and advised for multiple years to apply for forbearance and deferment on my loans causing the amount I now owe to increase over time due to interest. Years later I was finally made aware that I could apply for income based payments but since the my loans have grown more. Also my complaint is that then I learned that the school I went to actually closed after I graduated and lost their accreditation which explained why no potential employer would acknowledge my degree again causing me to owe all this money for a degree that means nothing. Not only do I still owe these loans and interest i have negative information on my credit report making even harder for me qualify for credit and other resources. As a single mother trying to educate my self and provide for my family this is very discouraging and makes things very hard. The school I attended was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: I have a Visa from Bank of America I used it to request services from a merchant XXXX. Storage from XXXX to XXXX of {$170.00} per month. in XXXX I scheduled to have the container transported from XXXX to XXXX with a rate of {$1900.00} paid in advance. 
For reasons not provided the transportation was cancelled by XXXX, without notice. I 've tried to communicating with them with no results. 
It has been a nightmare dealing with the Bank and the merchant, seeing charges being made & paid, and not being able to stop them. XXXX response has been " payments need to be made and disputed later '' ( for how long and how much? ) XXXX has been able to receive payments from XXXX up to {$4500.00}. I find myself violated/abused by the Bank and the merchant. The AVERAGE CHARGE to transport a container from XXXX to XXXX is about {$2300.00}. Realizing that is all about business between the BANKS & MERCHANTS with no concern for the consumer. 
A dispute was filed, and the results were just submitted : " the amounts charged are correct '' that was even after XXXX PROVIDED to the BANK the agreement showing a rate of {$2000.00}. 
I provided myself the necessary documents including XXXX 's contract and statements from the Bank of America included with this complaint. 
One of the agents stated that the XXXX website has a glitch, " when a merchant logs-in to an account is agreeing to the charges '' -IT DOES NOT MAKE ANY SENCE-

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 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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: Experian was sent an initial letter of a problem on my credit report. They have been sent up 4 letters after they claimed to do an investigation and stated information was verified. They have been sent several letters asking for documentation. They only thing sent back is they have verified the information. After filing a complaint with CFPB they responded stating I would receive information only to be sent a letter stating they they were unable to honor my request based on the information sent. It was the same information that was sent when they stated they verified the information ; a copy of my utility bill, a copy of my social security number and a notarized letter stating my rights as a consumer, what I wanted from them and how I would like the issue rectified. Again ; Experian has not complied with federal law.

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 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Filled out a dispute with equifax for almost all the accounts on my credit report. I had my social security card and license stolen some years ago and the people stole my identity and I was a victim of fraud. I tried to tell XXXX that these accounts were not mine but they lowered my credit score even more bc these were not paid. I demand that these be taken off my report or I will have no choice but to file a complaint in court against them.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CARD Corporation (GA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: My account has been blocked. I did not receive a phone call or email stating the change. I called to speak with the Supervisor XXXX ( employee number XXXX ) and he was not willing to assist me. They have caused me a lot of trouble within the last couple of months. I recently had to move out of my home because they did not send my card when they said they would. I literally waited 28 days for a new card. I could not afford the late fee with my home rental company. The manager or supervisor will not assist me or compensate me. The company is card.com. This company is really a scam. I am without a phone and gas right now because of this company and XXXX will not transfer me to a manager. They always say that a manager will contact me back and I have yet to receive a phone call from the manager. I have been told that since my account was blocked, my direct deposit was returned to the sender, which the last time, my direct deposit was placed in my account and I did not have access to it. Please help as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Experian is refusing to investigate information that is on my Free Credit Report. The information is old, ( XXXX XXXX ) and should of been removed as of XXXX/XXXX/2016, according to my previous Experian Report # XXXX, however, I can not get them to even check my old report information, due to the fact that they investigated this particular account years ago. I do n't need them to contact the institution, I just need Experian to check my old report information to see that this information is negative and old information, and suppose to be off my report by now.

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 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I the consumer declare that in XXXX XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed XXXX and Discover accounts and hard inquiries ( XXXX/XXXX, XXXX XXXX, XXXX & XXXX XXXX XXXX ) I did not open or recognize and did not authorize and origination dates that are clearly erroneous. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission since XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I recieved a call from midland funding llp. The caller stated that they were located in  XXXX . The number used to call me was  XXXX . The caller stated that i owed {$800.00} for a  XXXX   XXXX  bank credit card. I told the caller to mail me a detailed letter of the debt. Caller stated that letters was sent to me. I explained to the caller that i have not recieved anything in the mail and to resend a detailed statement letter in which this caller refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am the victim of an unlawful foreclosure by Bank of America. I filed a filed a lawsuit but could not afford to keep fighting with Bank of America and their team of lawyers. I was evicted from my home, and lost not only the house - but my life savings. I am XXXX from a XXXX and have struggling to survive. I have still not recovered from losing my house and have been renting rooms since then. 
The foreclosure happened in XX/XX/XXXX. How can I file an appeal to be included in the compensation? Surely a foreclosure in XX/XX/XXXX is as devastating as any in XX/XX/XXXX. 
Please help me in any way that you can. 
Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CHS, Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On my XXXX credit report it is showing two collection accounts. I have made them aware on two different occasions that the contract was cancelled for these two collection accounts. They state that the accounts belong to me, but when asked they were not able to produce a contract that shows I 'm responsible for those payments.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Requested and received security freeze by mail. 
Called company on several occasions during " normal business hours '' as presented by them in the papers I received ; last call was on a Thursday at XXXX XXXX. Phone system stated their office was closed. Apparently no way to talk to a real person. 
Since I am a victim of identity fraud, need to know if my freeze is 90-day or 7-year extended. Additionally, need to know if their files reflect the fraud alert reported to all other CRA 's. 
The other agencies included a credit report with my confirmation papers and none was included by Innovis.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Credit determination

Complaint: I would like to report unfair and deceptive treatment by Macys when I applied for a Macy 's American Express Card on XXXX/XXXX/XXXX. I specifically applied for the card to receive a 20 % discount. The discount was eligible for use along with the 25 % off promotion in effect on XXXX/XXXX/XXXX. The application was denied at the point of sale. I was surprised because I already have an XXXX XXXX card in good standing and my current credit score is above XXXX. I called Macy's/DSNB while at the store and after more than XXXX XXXX hours on the phone, I learned that they denied the application due to a delinquent debt from XXXX XXXX, nearly 8 years ago. The debt became delinquent, and subsequently charged off while I was in the process of divorcing. I became a single mother of XXXX boys, pregnant with my XXXX child and unable to get a job due to the economy ; thus unable to pay any bills. However, once I was employed I paid and/or settled all of my outstanding debts ( more than {$70000.00} ), including the Macy 's card. I paid the Macy 's debt on XXXX/XXXX/XXXX to the collection agency as a settlement. During my XXXX XXXX hour long call with Macy 's on XXXX/XXXX/XXXX, I was told that if I paid the 'balance due ', they would approve the credit. I was not aware of a balance due because they agreed to a settlement and provided me with a settlement letter. In addition, the credit bureau showed the debt paid in full with a {$0.00} balance after the debt was settled. I have abided by a very stick budget since my divorce and I saw the discount as an opportunity to minimize spending. I am very aware of the implications of a credit inquiry on my credit score, so I carefully read through the terms and conditions that was at the checkout register. It did not indicate anywhere that a delinquency from XXXX would be used against me ; otherwise I would not have applied. The XXXX paid delinquency remained on my credit report until XXXX ; which, although it was settled, affected by ability to obtain credit. Now, I will have a Macy 's credit inquiry that will undoubtedly affect my credit score which I worked so hard to rebuild. I feel that Macy 's should have disclosed their policy on prior delinquencies, in a clear and noticeable location before the application was submitted. Also, I do n't understand how Macy 's was able to decline a card co-branded by XXXX XXXX. At this time, I am concerned that XXXX XXXX will close my existing card and this may affect any other credit that I have. I am also concerned that the lack of disclosure will affect my ability to obtain a new mortgage this fall. 
I would like to request that your agency investigate this matter and kindly remove the inquiry from all credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Every time this Publisher - XXXX XXXX sends me my royalty deposit they are not mentioned correctly in the legal ledger of the bank. The say content distribution. I am the only one to get royalties. There is no other distibution. What is going on is one employee changing the deposit information. The bank should clearly know who is sending it a deposit for a customer not a vague discription. The company should be the only one sending me money for my book with XXXX XXXX titled - The XXXX XXXX XXXX XXXX. It could be making thousands and a bank teller could be giving me a dollar and say it is content distribution and not the direct name and discription. I need the right description for my account deposits. 

Mailing Address XXXX XXXX XXXX XXXX, IN XXXX Toll-Free Phone Number XXXX Fax Number XXXX News Media Contact XXXX XXXX PR Department XXXXXXXXXXXX From Bank of America below my consistant editing of my account to tell them and XXXX I need things specifically idetified when receiving deposits. Is it that easy to hide content, by just describing the content of a deposit as content. This is something that needs to be made specific other wise any one could hide money by not describing who it came from or the amount. I need my account ledger correctly noted. Now I can see how banks likes XXXX can be dishonest. 

XXXX/XXXX/XXXX Hideadditional information for activity type deposit XXXX XXXX  XXXX : PAYABLES XXXX INDN : XXXX XXXX CO ID : XXXX PPD Edit Description activity type deposit status type icon cleared Cleared. Select to mark activity type deposit XXXX XXXX XXXX XXXX : PAYABLES XXXX INDN : XXXX XXXX CO ID : XXXX PPD as Reconciled XXXX XXXX Type : Deposit Description : XXXX XXXX XXXX : PAYABLES XXXX INDN : XXXX XXXX CO ID : XXXX PPD Merchant name : XXXX XXXXSelect toEditthe merchant name Transaction category : Income : Paychecks/SalarySelect toEdit

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 12/23/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Dear CFPB, I check my credit report weekly as I am working diligently to repair my credit report. It affects how much I pay for everything. Today I logged in to XXXX XXXX and my score dropped over 50 points. My jaw hit the floor. It was a collection account that was added. I never received one letter of collection nor did I receive a phone call. I am in the process of moving and this just bumped me out of qualifying for our new place and we gave notice that we are moving. I can being to tell you how violated and upset Ifeel.

Company response to consumer: Closed with non-monetary relief