milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Band of America Credit Card History of this issue is : XX/XX/XXXX a charge showed up on my credit card for XXXX from XXXX XXXX XXXX XX/XX/XXXX The Credit Card Company was called and a dispute of the charge started. 
XX/XX/XXXX we received a letter saying the dispute was settled and a credit was given to the credit card account. 
XX/XX/XXXX 7 of 7 boxes were delivered to our house via XXXX. I was out of town so my husband not knowing what was coming for the holidays signed for the boxes. 
XX/XX/XXXX I called the credit card company to tell them packages were delivered but again neither my husband or I placed the order the representative said the case was closed and to do nothing at this point. 

XX/XX/XXXX we received a letter saying there was no fraud and we were responsible for the XXXX. The charge was placed back on our credit card We called the fraud department back and they said we were to return the items to get a refund. I said I don't know who to return the items to and who will pay the shipping cost. We tried looking up the company on line sending emails, used several phone numbers for contacting the sender to no avail. Once in a while you will speak with someone and they direct you to their email or they just hang up. Some of the phone numbers are routed to a recording that has a menu of prompts to win a beach vacation. No response from emails have ever been acknowledged. 

XX/XX/XXXX we called Bank of America Fraud Department and we were told the case has been reopened. 
XX/XX/XXXX I called Bank of America and said she reopened the case, the representative called the senders numbers provided and she was hung up on 2 times. 
XX/XX/XXXX my husband called Bank of America and he was told we can't speak to anyone in Fraud department about our case but he would re-open the case. 

1 ) How can I be sure my fraud case is really still open and the charge on my card will be removed with any interest accumulated? 
2 ) I would love to send the merchandise back to XXXX XXXX XXXX but not only will they not communicate with me but not the CC card company.

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 02-10-2017 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: In XXXX XXXX my son leased a XXXX XXXX XXXX from a dealer in XXXX Fl. Because he was just starting his career they asked that I cosign the lease. My son put $ XXXX down and agreed to pay {$270.00} a month. On XXXX XXXX, XXXX my son passed away suddenly. On XXXX XXXX I spoke to Chrysler Capital and explained that my son had passed away. They asked for a death certificate which I sent along with all my contact information so they could send all correspondence to me going forward. I never heard from Chrysler Capital and on XXXX XXXX I stI 'll have not heard from them. However I have my credit monitored and the service sent me a notice that Chrysler Capital sent a late payment notice in to the credit bureaus which lowered my FICO score XXXX POINTS. I never got any notice or phone call nothing that there was a late payment due. I never heard from them by mail nothing. I contacted Chrysler Capital and they said they do n't have to notify me or invoice me nothing. Because I was the cosigner I am obligated regardless of the circumstances. My son never missed a payment for close to 20 months. He put $ XXXX down. I have paid the lease off, which if they had contacted me I would have done that day!! How can an organization like Chrysler Capital ruin the credit of a cosigner on a loan without giving them the opportunity make the payment or dispute the charges!!! How can the credit bureaus take what they say as the XXXX truth. Help..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I would like to file a complaint against a Chase Bank that is located on XXXX, XXXX, CA XXXX for treating customers in an inappropriate way. My son and I were at that mentioned location yesterday XX/XX/2017 at XXXX pm. Their hours show they closed at XXXX pm. We were greeted by a young lady who asked us what was the reason we went there for. We told her that we wanted to open an account. She wrote down my son 's name and we were told to take a seat. We were waiting and there were XXXX groups of people in front of us. At about XXXX, we were told by the young lady that they could n't help us open an account today because they stopped opening accounts at XXXX pm. She suggested we could either make an appointment for another time or come back the following day. When I heard that, I was so upset. She should have told us about XXXX when she knew about the situation. It would not be a big deal for me if we had been waiting for ONLY XXXX minutes, but we had been waiting for half an hour and were told we could n't open an account. They wasted a half an hour of our time for nothing. So I told her I wanted to file the complaint with the manager. She told me the manager was not there so she let me talk to the XXXX teller, who also told us that they could n't help us today. My point is if they already knew the cut off time to open a new account is XXXX pm, why did the young lady not tell us at XXXX? Why did she wait XXXX minutes to XXXX pm to inform us that they could n't help us to open the account today. I have no problem with leaving if we had just been waiting for XXXX minutes but we were waiting for half an hour and were sent home. This is not an appropriate way to serve the public. The reason I am filing a complaint against Chase Bank is because I do n't want them to treat other customers the same way that they treated us. I still think that they should have stayed longer to help us to open the account because we did n't walk into the bank XXXX minutes before they closed. I left the Chase Bank angry and upset.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Debt collection (Medical debt) with PlusFour, Inc (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: PlusFour Inc is reporting something for an XXXX company. I was not transported anywhere in XXXX XXXX or any time in XXXX Please help me this makes no sense

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I am in default of my mortgage with Ditech and have to cure this on XX/XX/2016. I am trying to receive their Request for Mortgage Assistance package to avoid foreclosure. I have repeatedly attempted to reach my personal representative, without success. Either the system hangs up without being able to reach a human being, puts me on hold for at least an hour and I give up, or my personal representative 's mailbox is full so I can not leave a message. I have resorted to sending in-mails on their website, have received confirmation of them, but never receive an actual response ( except for one in the US mail that said they would get back to me in 30 days, well after the date of cure ). In sum, I believe they are placing me in an untenable situation, which will cause a foreclosure that could be avoided. I am shocked at the cavalier way they are treating a very serious situation. My phone and email records do support the activity I mention above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (Auto debt) with Go Capital Holdings, LLC (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Continuation of previous complaint : Go Financial has sent correspondence to my disputes and complaints with the credit bureaus, BBB, and CFPB. The information they sent continues to show proof of several violations and discrepancies with this invalidated debt. Go Financial states on the Redemption and reinstate form that the vehicle was repossessed on XX/XX/16, however they state on another document that it was repossessed on XX/XX/16. The notice that they are required to send me per NC law about the sell of the vehicle is dated XX/XX/16 and XX/XX/16 on another document. This notice was never received by me which suggests that it was possibly forged to serve this purpose. Per NC law they are required to notify me of the date, time and place of the sell of the vehicle if it was sold at an auction. Their letter states that I was notified that the vehicle will be sold at anytime within 10 days of the letter at a private sale, but continues to read that it was actually sold at an auction in which they never notified me of the date, time, or location -- the location on their documents only notify me of where the vehicle was being stored. Their failure to provide this information conflicts with NC State Law which decides what a creditor can and cant do. ( NCGS ) On the explanation of deficiency they lists that I owe XXXX without fees, but they are reporting a different amount on my credit report which they have never sent me a breakdown reflecting the new charges. I find this company to be in violation of my rights under the FCRA. They have failed at providing me with accurate, clear, or validated information. Even with so many discrepancies they continue to report as accurate on my credit reports after investigation. With so many discrepancies directly from them, there is no way to validate what is accurate. They have also violated the laws of NC by being unable to provide any receipts or verifiable information that they notified me specifically about the sale of the vehicle to provide me with an opportunity to attend the sale.

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 02-02-2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: As repairing my credit with XXXX for the past 3 years my score has been improving. Recent desires to buy a auto, I applied for a loan at my bank a credit union to be turned down. I then checked back with XXXX, my XXXX XXXX, EQUIFAX SCORE IS XXXX, BUT has 2 fraudulent XXXX accounts in collections from XX/XX/XXXX for XXXX & XX/XX/XXXX for XXXX. Their is also a tax lien from XXXX for XXXX paid marked paid as of XX/XX/XXXX. So I attempted to dispute these items XXXX no problem 1 XXXX already removed no tax lien. As i filled out Equifax information it stated items were inaccurate, it took me to another screen. I filled out this long information on the 3 items to dispute and sent off. Well no email not dispute # created notta. I called to actually speak with a representative, again you jump through hoops to get a actual rep. Then we go through vital verification info name, address, ss #, DOB, then security question of recent inquirer 's so one of the institutions I attempted to get a car loan at put in the wrong DOB for me, and now I have to jump through hoops to verify I was born! Then jump through hoops to dispute fraudulent claims and a non updated removed tax lien from XX/XX/XXXX PAID IN FULL 5 months after reported on my credit! Geeze XXXX XXXX XXXX! I 'm sorry my husband became XXXX from the XXXX at XXXX XXXX! I 'm sorry I lost my job caring for him! Yet tax lien was paid 17 months late! Equifax is a XXXX in their accountability to consumers, you have to sign up and pay in their direct web site, someone can inaccuracy report a DOB and you the consumer has to jump through hoops to prove your own identity, oh yeah they wont tell you which company either! Equifax even though you submit this other long dispute form does n't even generate any tracking info wont let you cut copy or paste!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-03-2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Hello CFPB, I 'am sending this request because I previously opened a credit bureau dispute with Equifax XXXX XXXX/XXXX/2016. In the Month of XXXX I received the results showing that case # XXXX, Balance XXXX and Case # XXXX Balance {$1800.00} were deleted from my credit file. I notified Equifax that the accounts were still on my credit file after receiving a letter showing the deletions and no documents regarding any insertions of the items being added back to my credit file. Equifax failed to correct their error. I would like Equifax to remove the inaccurate/outdated information from my credit file as XXXX XXXX and XXXX did immediately upon receiving my disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I paid off my Bank of America credit Card on XX/XX/XXXX And had a {$0.00} balance. On Monday XX/XX/XXXX I had a XXXX balance before I used my card and purchased {$390.00} total. On Tuesday XX/XX/XXXX I paid {$400.00} onto my card. on XX/XX/XXXX I was told I owe {$22.00}. I was told I was being charged interest. But my card was paid in full. I tried to speak to customer service but the wouldnt wave the 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 explanation
Consumer complaint received 08-10-2017 about Debt collection (Medical debt) with United Resource Systems, Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: They have claimed that I owe {$120.00} but each time when I visited for XXXX I got charged and I paid for it so all paid in full ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I have called Navient on numerous occasions, when I first graduated and received the loans I tried to get a lower payment. I was denied on several attempts. Then I enrolled back in school and continuously had to call. I am very unhappy with the constant denial and lack of support from this organization. I am displeased with the customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: These accounts below is not mines. This account was used after I opened it without my knowledge. Both accounts have been re-added to my report after being deleted. 

XXXX XXXX Credit Card XX/XX/XXXX Closed 2 Missed Payments {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Closed 1 Missed Payment {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Resurgent Capital Services is attempting to collect a debt for XXXX originally from XXXX that is not mine. I challenge that I owe this debt and request proof that I actually incurred this debt, not simply proof that a collection agency owns it. Furthermore, for this debt to hypothetically be mine, it would have been XXXX delinquent in XXXX 2008. This places the debt outside the XXXX year statute to be collected on, and past the XXXX year limit on being reportable to credit bureaus. Collecting or reporting in this debt is a violation of my consumer rights and the FCRA, as well as the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I requested pursuant to our CFPB Regulation Z, 12 CFR 1026.39, Mortgage transfer disclosures information on my loan.The mortgage servicer Specialized Loan Servicing is not providing the name of the new investor for the loan. 
I also request the date the mortgage and note was transferred or placed into the Trust XXXX as Trustee Relating to the XXXX XXXX XXXX XXXX Mortgage Backed Certificates, XXXX XXXX pursuant to CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ), Specialized Loan Servicing is not providing this requested information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted Equifax in regard to a hard inquiry on my credit from a XXXX, XXXX XXXX XXXX, XXXX MD XXXX. I have informed them that I did not authorize that they are reporting something incorrectly and that since I did not authorize this its is against the FCRA as it was not for employment, credit, insurance or court ordered and I do not know what this is for. They have refused to remove something that I have informed them is incorrect and have put it back on the company that pulled this.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Bank account or service (Other bank product/service) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Making/receiving payments, sending money

Complaint: CC payment of {$47.00} due XXXX/XXXX/16. Paid {$50.00} on XXXX/XXXX/16, the next official banking day. Assessed late fees of {$35.00} by bank. Called on XXXX/XXXX/16 to complain and late fees were reversed. However, bank maintains that I still owe {$82.00} ( {$47.00} + late fees ). I have been called on five separate occasions to request immediate payment and I refused. I have asked HSBC to stop the phone calls, but they still come. I am on XXXX and paying more than {$50.00} is a financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 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: There are many mistakes in my report, I demand the following accounts be verified or removed immediately : XXXX XXXX CT NJ XXXX XXXX : unverified account XXXX Account # XXXX : unverified account XXXX XXXX XXXX Account # XXXX : unverified account XXXX Account # XXXX : unverified account XXXX Account # XXXX : unverified 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 non-monetary relief
Consumer complaint received 09-03-2016 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Billing disputes

Complaint: I used my American Express card to book a international flight on XXXX airlines with the flight originating in the USA. Shortly after takeoff the passenger sitting behind me began to show signs of severe illness. XXXX. I repeatedly asked him to stop and cover his mouth as he was spraying me with his XXXX. After no compliance i contacted a flight attendant who forcibly moved the passenger to a vacant aisle in the back of the plane away from passengers seeing that he was very sick. 

An hour later he was back sitting behind me continuing his actions. The flight attendant ordered him to move repeatedly and then gave up. 

While reporting it in XXXX at the XXXX desk I was told in order to file a dispute I would need to go to the XXXX police and file a report in XXXX which is a lie as the flight originated in the USA. They then cited the contract of carriage however I am pretty sure they are required to ban visibly ill people from flying so was moot and they did n't do anything further. 

I then contacted American Express to dispute the charge. American Express did not follow up and the airline kept my money and severely endangered my health. 

Under US criminal law spraying people with XXXX is classified as assault and in some cases assault with a deadly weapon. XXXX did not ensure my safety and were severely negligent a case has already been filed with the CFPB and American Express 's response was not satisfactory. American express has no right to keep my money per violation of the purchasing agreement which insures my safety during a course of travel. It is inferred by all reasonable means that all passengers are entitled to safety and that the airline staff will take all necessary acrtions. I will be filing a criminal case in the next week against American Express and XXXX. This is clear fraud. 
Issue Transaction issue

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (PR).
Issue: Account opening, closing, or management

Complaint: The interest on my Synchrony Bank Walmart credit card went up without any notice. The banks that own credit cards want to be able to do anything they want to their customers, hiking up the interest rates, since theyre variable.

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 04-05-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MO).
Issue: Managing the loan or lease

Complaint: Santander has charged me XXXX every month to pay my truck loan with my debit card for 2 years and 6 months. Now they are indicating that it is only XXXX. I want the difference between XXXX and XXXX for 30 payments put on the principle of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company, which I hold no contract with nor have received services from, reported a collection account against my ssn in the amount of XXXX. I filed a dispute requesting validation of the debt and account however they have not provided any proof. I am not obligated to this alleged debt because I have no signed or verbal contract with this business nor have I received any services from them. I have contacted this company and notified them that this was not my debt. I never owned a Macy 's card. Please validate this debt.

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