milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Loan Servicing ( intimidation to refinance with mortgage institution ). 
Last week, I called Bank of America in an attempt to understand my options, due to my Home Equity Line of Credit, turning into a balloon payment in XXXX 2016. At the time, I informed the customer service representative about competition in the market place and I requested their best rate, as my bank ( not BoA ), has mailed me a formidable offer for my home equity line of credit. The agent treated me with disrespect, therefore I asked for a supervisor. The supervisor continued this treated. In addition, the supervisor informed me the value of my home has decreased. I responded that I have obtained a recent Appraisal from a Virginia Licensed Appraiser and his information is inaccurate. Also, I only asked about my options with regard to the balloon payment, never did I request a change of my loan or to apply for a new loan. 
Seven days later I received a letter from Bank of America which suspends my Home Equity line of credit, due to the decreased value. Also in this letter, is evidence that BoA checked my credit and made a consumer decision denying my loan ( I never authorized them to check my credit, nor did I apply for a loan ). It is important to note, we have never missed a payment. Also, on a recorded message while on hold, BoA records customer calls. I welcome your monitoring these conversations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Unauthorized transactions/trans. issues

Complaint: I had XXXX fraudulent purchases made in XXXX, XXXX that I did not initiate. My Bluebird American Express company will not file fraud charges and reverse the transactions. Their fraud department will not do anything about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/27/2016 about Bank account or service (Other bank product/service) with First Data Corporation (NY).
Issue: Account opening, closing, or management

Complaint: I require your assistance to have a check card, closed, given card account is currently held under my name, as a former employee of XXXX XXXX services in XXXX, USA. Further note as of XXXX/XXXX/2016 Money Network with an address in the state of XXXX, refuses to close this check card. It is possible that the intention of Money Network is to levy so-called " nominal fees '' on my person, said fees are a burden as I am unemployed. How hard can it be to close a check - card? 

The contact information for Money Network is as follows : Money Network XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX P:XXXX Concluding statements Finally, formal order to close this check card/account which holds an unnecessary balance of US {$0.00} borders on dead accounting. As such this account is needed, and once again must ethically be closed. Thanks for considering the preceding.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (MA).
Issue: Problem with fraud alerts or security freezes

Complaint: Hi, I have a mark saying 90 days late from XX/XX/2011, which I disputed with USBank on XX/XX/2011. 
It was a weird situation, I was offshore traveling on XXXX, and the country closed all XXXX XXXX   services, XXXX, banks transfers. 
I called in advance to USBANK and they told me not to worry, that they were going to put an extension. 
A few month later I saw my creditscore going down, they told me it was a mistake and they were going to fix it. 
7 years after I'm still seeing 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 03/31/2017 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (TX).
Issue: Managing the loan or lease

Complaint: I have been financing a vehicle through Consumer Portfolio Services now since around XX/XX/XXXX. Around XX/XX/XXXX I encountered a situation with this company where they unauthorized took two payments from my bank account, when I only authorized one. They refunded one of those transactions however since that time they have been reporting that I owe for a payment that I do not owe and have not rectified this situation. I have been going back and forth with Consumer Portfolio Services trying to rectify this situation for months now, they have not updated or corrected their records. In addition to that even though I have been paying on this vehicle since XX/XX/XXXX they still say I owe approximately {$10000.00} on this vehicle. I believe their records to be incorrect and am requesting assistance in addressing this situation with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Due to the large Equifax hack, I 've been put on the list for people who have potentially been affected. I 'm submitting a complaint because the fact that a credit bureau was hacked so severely is troubling.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I do NOT have a signed contract nor any contract with XXXX, XXXX XXXX, or XXXX XXXX. I have never done business with these companies. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: A new debt popped up on my credit report listed for XXXX XXXX for XXXX XXXX for {$140.00}, an electric bill from the state of Michigan. It was listed as the debt collector being XXXX XXXX XXXX. I called XXXX on XXXX to get a copy of the original bill but it was from XXXX and they did n't have record of it once it was sold to XXXX XXXX in XXXX XXXX, I was told to contact them. I called XXXX XXXX on XXXX and was referred to XXXX XXXX XXXX at ( XXXX ) XXXX, apparently they were handling the collection for XXXX XXXX. I contacted total card inc on XXXX and told them I have never received anything from them about the debt. I also informed them that they placed the debt as being from XXXX XXXX when I have n't lived in Michigan in at least 5 years. The representative from XXXX XXXX XXXX  told me that she would not send me the original bill, she would only send me their company invoice which would just state how much I owe them, not the original debt date. I told her I had contacted XXXX and that the original debt date was XXXX, charged of XXXX XXXX. The representative from total card inc then told me that they would put the correct dates of the debt on my credit report only if I paid them the {$140.00}. To my knowledge I thought this was illegal. The representative told me I could email XXXXXXXXXXXX for a validation of the debt but since XXXX XXXX XXXX bought the debt there 's no guarantee I 'll receive the original bill and to just pay it so it reflects correctly. I want the correct dates of this debt and I believe I am owed the original bill with the correct dates of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: In XXXX of XXXX, I reviewed my credit reports to find that Portfolio Recovery was reporting a debt that I was never contacted about. I sent Portfolio Recovery a validation request and in XXXX they responded to my validation request stating that they needed more information to process an investigation. Now, how can you report something on my credit file if you as a company need more information from me the assumed consumer to process my request based on the information you provided. I again attempted to get validation of the same in XXXX of XXXX and to date have not received proper validation of this debt. And according to the Fair Debt Collections Act 809 ( 4 ) the debt collector has 30 days to provide proper validation, this has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I contact US Department of education to help with XXXX XXXX loan. I talk lady name XXXX in XXXX explain to me that they could help my situation. I was told that Navient will pay off my loan with consolidate with payment of {$230.00} till XXXX and that would be all I have tp pay. I received letter in mail from Navient on XXXX XXXX, 2017 stated in the loan the loan amout from XXXX XXXX is {$35000.00} which Navient added on {>= $1,000,000} that brings my balance to {$560000.00}. I 'm confused and upset because they mislead information I would have never went to Navient company to help me with student loans. I would like to cancel my service and my first payment is not til XXXX. There has to be law suit against this company

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (ME).
Issue: Problems caused by my funds being low

Complaint: I was charged overdraft fees on my checking account, when at no point did I have insufficient funds to cover transactions. In fact, the fees charged are what caused the overdraft. When I called to speak to customer service, I was put on hold for 23 minutes at which point I hung up. I then called my local branch ( XXXX ) and was told by the individual on the phone that according to the " dark side '' the posting of the transactions and fees caused the overdrawn status. I want the {$140.00} back that was taken from me. My on line banking does not show any negative balance at all, funds were sufficient, so I am unsure as to what " dark side '' the individual was referring to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/25/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (WA).
Issue: Charged fees or interest you didn't expect

Complaint: I applied for a loan and the terms were not disclosed until after the money was deposited in my account. When I looked at the interest rate it is 977.3953 %!!!!!!!!!! I did not agree to that. I am sick to my stomach and do n't know what to do. I have contacted the company and no response yet. I feel I have been deceived greatly on this. I borrowed  XXXX  and I have paid  XXXX  ytd on it. This is a  XXXX  tribe.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Debt collection (Non-federal student loan) with The CBE Group, Inc. (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Before retiring from my Federal Job I neglected to change my email address so that I could update my XXXX account to renew my Auto Pay for 15 months. When I realized that I had over looked changing the email from my work to my home email in the mean time my XXXX Loan was turned over to collections, and not like I did it on purpose I offered to pay the two months and bring the loan current, and I was told that I could n't and they would start off-setting my Social Security and my Retirement pay, plus any other pay I get. So with the Gov. offsetting everything I get I 'm getting calls monthly, weekly, daily from CBE Group Inc to collect on a debt that is already being paid every two weeks, and every month. I have asked them to stop calling because I 'm not paying anymore that is already being taken which turns out to be almost {$500.00} a month in offset. XXXX times more than what the original loan payment was.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: In correspondence dated XXXX XXXX, XXXX, I wrote a letter to this company disputing several incorrect information being reported on my credit file. I also wrote to several collection agencies asking for validation to no avail. I did not receive any validation documents and yet, this company continues to report those invalid entries on my credit report. I do not recognize the disputed items, nor the account opened date, closed date, highest balance, payment history reported and requested an investigation on each item. These pieces of information are either inaccurate, invalid and incorrect. Attached is a copy of my second letter I am sending this company today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (PA).
Issue: Account opening, closing, or management

Complaint: I am having a problem with TD Bank. They have charged XXXX of my account for overdraft of another account after I asked them to shut the account off. They shut both accounts off then charged the opened account over {$1800.00} to fund the other account. The fees are continuous triple charges for the same charges. I have not received help from the branches and been on the phone for numerous hours just waiting to talk to someone with no help at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-11-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX XXXX XXXX. Also, by Experian Credit Reporting Agency and XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made Experian aware of this they have not done an accurate investigation on XXXX XXXX XXXX. So, I called XXXX XXXX for the Secretary of State Texas Debt Collections Division and found out that XXXX XXXX XXXX is breaking : " Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. '' I am in need of another Investigation to remove them from my credit report please.

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 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I n  XX/XX/XXXX  &  XX/XX/XXXX  I  worked for  XXXX   XXXX  in  XXXX , NC. My job was having financial issues and twice my check bounced. Each time I submitted a letter from my employer as well as the money to cover the charges incurred. Bank of America reported me to   XXXX   XXXX   for bounced checks and fraud. I believed the did removed the fraud but not the bounced checks as to my understanding the check would 've needed to be from me to me to be on my credit or from me to others. I have tried to get this settled for years with the run around. Telling me to have a manager open a new account and clear me. To them telling me that it can not come off until someone hired off takes me off but they can clearly see all the documentation but are holding it against 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 12-11-2016 about Prepaid card (General purpose card) with U.S. BANCORP (NJ).
Issue: Unauthorized transactions/trans. issues

Complaint: I purchased a U.S. Bank {$200.00} prepaid MasterCard from XXXX on XXXX/XXXX/16. I tried using the card for the first time on XXXX/XXXX/16, and got an error that the card was declined. I then checked the transaction history online and noticed that the card balance had dropped to {$0.00} and that there were XXXX unauthorized transactions. I immediately called their customer service to report the unauthorized charges, but they told me that they could n't help me dispute the charges because the charges were still " pending '' and that there would be a fee to issue a replacement card. They basically gave me the run around and told me there was nothing they could to recover my money.

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 09-06-2017 about Checking or savings account (Checking account) with ZIONS BANCORPORATION (TX).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: XXXX XXXX is charging excess over draft {$35.00} fee a day. Which was not explain by the representative during enrollment to opened the accounts. Although, the representative was very kind and pleasant to get in and out. I wind up having 3 check returned such a {$19.00} dollar, {$120.00}, {$48.00}. I did placed a deposit on a few occasions. Unfair to keep charging the account each day {$35.00} and plus {$25.00} over draft per transactions. I went to have the balance waiver {$550.00} accumulated 60 days. Manager stated there nothing she could do but credits 1 fee back once I would make another deposit.

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 Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Other transaction problem

Complaint: On XX/XX/XXXX, I made a purchase of XXXX LTC ( litecoin ) for {$4000.00} USD debited out of my bank account, few minutes later I received an email from Coinbase support saying Unfortunately, your purchase has been canceled. If you were charged, you will receive a full refund to your bank account within 3-4 business days. ), 2 weeks later and I still never received a refund into my bank account and coinbase never returned my emails, they do n't even have any phone numbers listed so we cant ever call them for help. I then on XX/XX/XXXX I  reversed this transaction through my bank XXXX, I rightfully got my money back a few days later, then on XX/XX/XXXX coinbase send me another email notification that they sold XXXX XXXX ( ethereum ) out of my account to recover {$4000.00} ( this is something I had previously purchased totally unrelated to this litecoin transaction and was purchased for the same exact dollar amount ( XXXX ETH for {$4000.00} ) on XX/XX/XXXX and fully paid for and settled, as you can see they had no right selling another asset to recover funds that were n't theirs, I am asking for my XXXX ETH to be put back into my account, I have all bank and coinbase transactions and proof needed, I have sent 6-7 emails to their support and no one gets back to me, Additionally on XX/XX/XXXX, I sold  {$3800.00} worth of Litecoin with the intention of buying another currency, after the sale the {$3800.00} went into my US Dollar wallet in Coinbase, then I tried to make a purchase with the funds in the US Dollar wallet and I get a system  notification that all buys in my account have been frozen, so now they are holding my money hostage and I have no way of getting {$3800.00} back, again they do not response to any emails..

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I was being charged {$25.00} from what I believe the last two years maybe more never realized it. I check my statement but since I have many transactions it went unnoticed. It is from a company that offers family insurance in case of accident that Bank of America offered me but I never signed any paper that I recall. I dont step foot in a bank mostly is all through online and they didnt even have my current phone number so how did they get my account number if it was supposeably through phone. I have been trying to speak to that company and a representative just told me someone would call back to talk to me. They couldnt give me any details. All I want is for them to prove if I signed up for it or if they committed a scam I dont recall giving them my account number.

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 06/13/2016 about Prepaid card (General purpose card) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (MS).
Issue: Managing, opening, or closing account

Complaint: On XXXX XXXX, 2016 my First Tennessee XXXX XXXX debit card ( XXXX ) was closed without notice or reason. I received an email from the company stating they will hold my money for 30 days, and then issue a refund.

Company response to consumer: Closed with explanation