milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/17/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2016 I went to bank of america and attempted to conduct multiple transactions. First I needed to cash my payroll check ( {$1200.00} ), I then needed to deposit {$1000.00}. I informed the teller what I needed done and was informed that she would not be able to do so. She informed me that she would not be able to cash my check and deposit the balance, but that she would be able to deposit the check and give me {$200.00} withdrawal, and that the rest would be available to me today. I asked if it would be the same as depositing my check at the ATM, and she advised me it would not because I would not be given the same available balance. So I said that would be fine. She proceeded to ask me to initial my deposit slip where she crossed out my initial deposit amount of {$1000.00}. She asked how my day was and I told her it was going good and that it was actually moving along pretty fast so it was great for a Friday. She was professional and courteous. She asked if there was anything else I needed today before she handed me the {$200.00} completed the transaction, and I said no. She handed me the {$200.00} along with my receipt and I left. I came back to the office and in reviewing my bank receipt I noticed my available balance was {$0.00} not what the teller had informed me 15 minutes prior. I called the branch to see if my transaction could be reversed. I asked the bank associate who answered the phone if I would be able to get the transaction reversed and she advised me that she would n't be able to as all of the work had just been turned in. I voiced my displeasure by telling her that this was not the first time the bank had given me wrong information and that it was very inconvenient. The associate asked me what had happened and as I began to tell her, she interrupted me, I allowed her to finish asking me the exact same question she had just asked, and I asked her if she would allow me to answer her question or if she was asking me just to ask me. She replied by telling me that she did n't need me to be rude. I informed her that she should allow a customer to answer a question as opposed to not allowing them to by speaking over them, I then asked her name she stated her is XXXX XXXX and identified herself as the assistant manager. She than asked me to let her know what happened. I informed her of the issue and she agreed that the information I was provided was incorrect and that there was nothing she could do. I again voiced my displeasure by telling her I was tired of this bank not owning up and correcting their mistakes, she said ok, and we ended the call. Now I am unable to process payments due today and will be charged for late fees.

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 10-01-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I called Fed Loan services to change my student loan to an extended pay to get approved for my mortgage. The first time I called they told me that all that would happen is that I would have to opt out of IBR and then they would put me on an extended payment which would take about 10 days. I then spoke to a supervisor to try to expedite the process since I am currently living in a hotel for two months and need a letter stating what my payments would be under the extended pay so that I can get approved for my mortgage. The supervisor stated that I would have to make a payment first and that I could then be switched over. Fast forward to a week later, I called and a supervisor by the name of XXXX said that the payment I made would not count because I needed to get a bill first before I made a payment. After that it would take 2-3 billing cycles before they could switch me and give me a letter. At this point I became very frustrated because I was due to close on my house on XX/XX/XXXX and could not because of this. I explained to them that I needed a letter just a letter stating what my payments would be so that I could have a house to live in since I am basically homeless at the moment. XXXX would not budge or help me and was very rude telling me that I did n't understnad the process and that I would just have to wait the 2-3 billing cylces and that no one could help me with that. Crying at this point I asked to speak to his supervisor. She was helpful and said she would check on my account and call me to keep me posted. One week later, I am still waiting on a call from her. She has not called me to inform me and when I call I get the run around from everyone. Today XX/XX/XXXX, I am unable to close on my home on XX/XX/XXXX as scheduled. They said they are waiting on a payment ot post ( which the money has already been taken out of our bank account ) and that it would take them 5 business days to generate the letter which still does not allow me to close on my house on the scheduled date. All I need is a letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/26/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Settlement process and costs

Complaint: Select Portfolio services is my mortgage holder when I fell behind do to my XXXX in my payments they refused to help me ketchup when I contacted them to see if there was something I could do they continuously told me I needed to submit forms and other documentation that I had already previously sent they continuously put my situation off now to the point where I can not possibly afford the catch up they then suggested doing a deed in lieu but because I had fallen so far behind with them and with the association which is contributed to my XXXX that my HOA dues monthly are more than my mortgage payment so between the XXXX I can no longer financially live here and because of the HOA placing a lien against the property Select Portfolio servicing Representatives stated that I needed to do a short sale and that my property did qualify for a short sale. Then I contacted a realtor to do a short sale, once the realtor started filing the necessary paperwork for a short sale then once again SPS started requesting paperwork but they had already been given in stating that they had not received it in the first place when the realtor also filed a letter stating that I am a XXXX American that 's when all the trouble started. Then sps wanted to do a new appraisal that was the third appraisal and that appraisal came in less money than the first XXXX but still SPS will not do a short sale for me which would allow me to receive up to {$10000.00} dollars for relocation funds. So between the hoa due 's and mortgage it brings my monthly payments to {$540.00} per month. It seems that is management has put me on a black list and refuse to allow a short sale. I need Help please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Debt collection (Medical debt) with HOVG, LLC (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX and XX/XX/XXXX I received notification from XX/XX/XXXX that XXXX XXXX XXXX XXXX had placed a collection on my account for a previously disputed amount of {$830.00}. Not only did I clear this matter with the original debtor XXXX, but gave notification to XXXX XXXX XXXX in XX/XX/XXXX via phone call that this was a fraudulent debt. Also, the debtor received a letter of clearance from the outsourced debtor ( XXXX ) absolving me from any further liability. When I have attempted to contact XXXX XXXX XXXX XXXX, they no longer are taking any phone calls and are not able to be easily reached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Received XX/XX/XXXX a written communication from PayPal Credit dtd XX/XX/XXXX about which we were totally confused. 
Never applied therefor or wanted. supposedly for a XXXX account charge. 

Placed call to ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX P.M. 
Customer service indicated they had no knowledge of any such PayPalCredit connection. We received no evidence this account was assigned by XXXX to PAY PAL CREDIT. ( Nor of any XXXX times three charge made on PayPal credit card ). They indicated no knowledge of the Pay Pal missive/circumstance. 

XX/XX/XXXX XXXX XXXX. Talked to a one who identified as XXXX. 
Demanded the account be closed. 

3. XX/XX/XXXX calling ( XXXX ) XXXX at or about XXXX XXXX 

Called PayPal Credit : One who so identified herself as XXXX Customer service representative at Pay Pal Credit, After explaining ourselves, and she said she would switch us over to a Specialist. the switch over resulted in a recorded call-announcing closed : " now closed Monday through Friday..call back during the hours ... '' I talked to XXXX XX/XX/XXXX she said she could n't remove the charge of {$12.00}. 
No date of purchase.on the letter, nor what the charge was for. PalPal Credit indicated it was one of three transactions. 

XXXX said she would move me over to a credit specialist Hung up. disconnected Let it be known we OPT OUT ( and should n't have to. We did n't order the card. Just reciting the terms and conditions of the card. TO WHICH WE DO NOT ACCEPT ) of any arbitration. 
Curiously, the company wants folks to download a dispute form, and send to additional places ( costing even more certified postage ).

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: My issue is that I am having trouble getting to the bottom of a credit alert that appeared in my XXXX account. As a XXXX impacted by the XXXX breach, I registered for this monitoring service. I received an alert, reported by Equifax, that a new XXXX XXXX account was " reported ... on your Equifax Credit Report. '' XXXX provided a phone number to call if I suspected fraud so they could follow up on the alert, but the only automated options available on that phone number were for opening new accounts with them, necessitating a PIN provided by OPM. But, I of course had already done that. There was no way to reach a person to talk to about the reported information and my concern. 
I then called XXXX XXXX to see what I can find out there. I did get to an individual in their credit bureau, but she could not find any account with my name or ss # -- other that an XXXX XXXX card I already have -- and suggested that I call Equifax to get the account information from them. At least I was able to talk to someone there. 
I then called Equifax, and again entered the automated system without any ability to talk to an individual in order to explain my situation. I was, however, able to establish a fraud alert for 90 days, through their automated system, and they indicated they would share the information with XXXX and XXXX. 
But, my concern now is that someone may have indeed opened an account with my ss # and, possibly, other identifying information, and could be creating problems for me. But, without more details on what led to this alert, XXXX XXXX seems unable to follow up from their end. 
Frustrated with not getting any satisfaction with XXXX or Equifax, I tried calling XXXX at various numbers. I was unable to reach anyone, even at the Director 's office ( can you believe nobody answers the phone at the Director 's office? ). Their office responsible for XXXX had no way to contact them either, only providing the XXXX phone number that I had already tried. 
Thanks you in advance for any assistance you can provide in this matter. I have attached the screen shot of the alert from XXXX page.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed this with Equifax XXXX times now and they are not correcting the information. There is an account with XXXX that is showing 120 days past due - Paid in full. How can it be paid but past due at the same time? Its not 120 days past due. I 've explained it to them several times - over the phone and in writing and they will not correct it. The person I spoke to on the phone even said it does n't make sense, but they would have to re-send it electronically to XXXX which is what they said they did the previous XXXX times. This is effecting my credit score. I do n't know what else to do. They ca n't by law report erroneous information and their investigation process is horrible. There is no way I should have to dispute the same information XXXX separate times for almost a year with nothing being done. Please help. Can I sue them? They are responsible for reporting correct information and Equifax does not seem to take that responsibility seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with F.H. Cann & Associates, Inc. (UT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I signed a Financial Disclosure For Reasonable And Affordable Rehabilitation Payments on my student loans with F.H. Cann & Associates, Inc.. They based the monthly payment amount on my income. This has been being paid monthly since XXXX/XXXX/XXXX yet it is still showing as a collection that payments are not being made on with all 3 Credit Bureau 's. 
This is incorrect and needs to be fixed back to the date of XXXX/XXXX/XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Credit card or prepaid card Issue : Problem with a purchase shown on your statement 1. Why was I not included in the class action lawsuit against XXXX XXXX XXXX by CFPB. 2. According to XXXX recent letter I was late on payment payment was due XX/XX/XXXX for {$110.00} that is why my account was closed in XX/XX/XXXX. I was still using card at the date it was not closed. My Cash rewards were forfeited per XXXX validation late XX/XX/XXXX. 3. Very bad reporting XXXX report shows XX/XX/XXXX account charged off.written off XXXX XXXX past due as of XX/XX/XXXX. XXXX report XX/XX/XXXX shows XXXX written off XXXX past due. That past due is what going up at XXXX a month please stop this account asap. 4. Please contact the malpractice firm midland credit management my rights as a consumer are being abused I insist an order be filed asap to sieze and desist.account ending in XXXX with XXXX XXXX. 5. I have a legal excuse from appeals court from XX/XX/XXXX to XX/XX/XXXXas to why my unemployment checks where being withheld at the max rate per week case # XXXX case # XXXX and case # XXXX Calif Unemployment Insurance Appeals Board XXXX County Office of Appeals that a total of 120 days the max amount of time to write off any account. What is this set me up for failure these three cases was over turned in my favor my check where being withheld unjust and back pay ordered after serving the penalty of 16 weeks no income I was legally bound.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: had requested Transunion to investigate a credit inquiry for XXXX dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.

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 07-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (AK).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: This man was talking over me and I was asking for general information about the debt that he is trying to collect. XXXX XXXX from ProCollect

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 05-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (TN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Card was set up without my consent. My wife made payments but the card was never used by me or my family.

BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX
Date Opened: XXXX
Responsibility: XXXX XXXX Account Type: Revolving Account
Balance: XXXX
Date Updated: XXXX Last Payment Made: XXXX
Pay Status: >Charged Off< Terms: Paid Monthly
Date Closed: XXXX Page 3 of 52 Loan Type: CREDIT CARD High Balance: XXXX
Original ChargeOff: XXXX
Credit Limit: XXXX Past Due: XXXX 
>Maximum Delinquency of 120 days in XXXX and in

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 04-03-2018 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: I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen. I filed a police report and have attached it to this complaint. My credit file was accessed without my knowledge or approval online without me being physically present and showing an ID. I did not authorize the credit inquiry on the following dates from the following creditor : XXXX XXXX XXXX / XXXX Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 04/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (NY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: XXXX XXXX cards, please go to the website. issued a XXXX XXXX XXXX XXXX XXXX to me XXXX XXXX XXXX but would not deliver it to me. Instead the card went to several other people- Identity Theft. XXXX and XXXX were asked by justice and law enforcement and by cfpb to personally deliver the card to me. They have not done so. The damages are enormous from the identity theft and from not being able to use the card myself. I can be found at The XXXX XXXX XXXX XXXX in lower XXXX just a few feet away from XXXX XXXX. 
CFPB try extremely hard to have XXXX personally deliver the card to me, XXXX XXXX XXXX. You know that it is breaking the rules far too much what credit card companies have done to 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 06/13/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (AL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I would like to know why  XXXX   XXXX  is still employed at wells fargo. It was proven she lied about me harassing her in the   XXXX   XXXX   location  XXXX   XXXX . And she keeps on having her family members harass my son and spread false accusations about him and me.  XXXX   XXXX  has never been able to stop harassing me and my son, she keeps coming around us even though she do n't live across  the street f rom us anymore. If me and my son harass her so much why is she coming around me. Why does  XXXX   XXXX  keep getting protected and it was bias why wells fargo closed my checking account, because  XXXX   XXXX  influenced them to do so. And how   XXXX   XXXX   sent me a threatening letter tell me I harassed their district  manager. Her  husband  XXXX   XXXX  nearly hit me while I was cutting my grass he when he was backing up in  his drive  way.  XXXX   XXXX  has slandered my name all through wells fargo looked at my personal information and telling it to her family. She wants to keep coming around me and falsely accusing me of harassing her.

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 03/29/2018 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 is missing that should be on the report

Complaint: I have contacted the credit agencies to ask that they add my contact telephone number to my credit file. To date, the credit agencies have not done this. Please add the following number to my credit profile : My contact number to my credit file : 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 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: In a recent pull of my credit reports from the credit bureaus my Mortgage with XXXX does not show up at all. Since I was in good standing with my mortgage this should show up with no late payments. When I made the complaint here about XXXX not reporting the correct information within months all information disappeared of the credit bureaus.

Company response to consumer: Closed with explanation