milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (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: XXXX charged me {$390.00} on a Bank of America credit card for a service I did not want to renew from 3 years ago and did not authorize. When I complained about it, they refunded {$380.00}, which leaves a {$11.00} charge. 

If I could freeze my credit card, I would have done that years ago. I'm astounded BoA allowed this charge to go through. 

I closed my complaint with Bank of America when XXXX agreed to refund me, but I haven't been able to reach out after realizing they are not refunding me the full amount.

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 01-01-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: the company continuously reports bad information on me and allows my husbands vengeful ex to ruin my financial livelihood these inquiries are fraud XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX Finance XXXX XXXX Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX Medical And Health XXXX XXXX Show Details XXXX/XXXX/XXXX Finance XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX Finance old account reporting, grantor XXXX stated delinquincy over 5 years old XXXX old account reporting, grantor even states several years from delinquincy XXXX XXXX charge off several years old should n't even be showing any longer, grantor, statue of limitations. 

XXXX fraud

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GATEWAY MORTGAGE GROUP, LLC (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Gateway Mortgage is state that my mortgage is behind in the amount of {$5300.00} which is not corrected. I have send two certified letter to this company asking them to provide detail of alleged debt and how it was calculated according to FDCPA. It has been 30 days and still no response. i have taking every measure under the FDCPA to get them vaild the alleged debt owe but still no response. I truly need your help with this matter. 

Thanks XXXX XXXX XXXX Cellular

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I work for XXXX and currently my wages have been being garnished for the past year. I have wrote two letters to the President of the US and have received a response. I did not know this bureau existed until the current lawsuit. My student loan is with Navient and they would not work with me. My son was diagnosed with XXXX, as well as XXXX which put me behind in my loan. They refused to work with me to get my loan current. I told them I could provide all medical documentation which clearly states that my finances were helping my child. They are garnishing my wages as well as continuing to accrue interest will they are garnishing my wages as well. They refuse to help me and just keep taking from my check as well as adding on interest while taking. Please help. The President of the US has sent me a letter in return that he is hoping to fix this situation. I can provide all documentation to date.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Mortgage (Conventional fixed mortgage) with Resurgent Capital Services L.P. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Here is a sample scenario that we see replicated quite a few times In XXXX, XXXX borrowers take out a loan with XXXX In XXXX of XXXX XXXX XXXX XXXX ( who was not the beneficiary ) appointed XXXX XXXX as trustee, and XXXX XXXX reconveyed the deed of trust. Since XXXX was not the beneficiary, the reconveyance can not be considered good. 

In XXXX XXXX XXXX as attorney in fact for XXXX assigned the XXXX XXXX Deed of Trust to XXXX In XXXX XXXX XXXX assigned the XXXX Deed of Trust to Resurgent Capital Services In XXXX XXXX XXXX d/b/a XXXX as attorney in fact ( without disclosing who they are attorney in fact for ) assigned the deed of trust to XXXX XXXX XXXX. XXXX XXXX XXXX had no interest in the deed of trust so this assignment can not be considered good. 

XXXX XXXX XXXX then appointed XXXX XXXX as successor trustee and XXXX XXXX then reconveyed the deed of trust. Again, XXXX XXXX XXXX lacked the record authority to do this, so the reconveyance can not be considered good. 

Phone calls to Resurgent Capital Services end up going nowhere ; the customer service people answering the phone do n't know anything, and they are not allowed to put a caller into contact with any technical people who could help. 

We have come across several of these situations where a homeowner has paid off a loan on their home and, because of poor documentation by these major players, the homeowners ' home is not cleared of the lien of the mortgage. 

I can provide copies of documents on specific files and would appreciate any help in getting these matters resolved.

Company response to consumer: Closed
Consumer complaint received 01-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (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: I had a citibank Credit Card ending in " XXXX '' In XXXX way back in XXXX which I hardly used, I migrated to United States in XXXX and there are lot of fraudulent transactions on that card which are not authorized by me. I just went to XXXX after 8 years and came to know that Citibank has made a huge bill on my credit Card and have ruined by credit ( Credit is known as XXXX in XXXX XXXX. I also filed a police complain over there regarding this and submitted it to the Citibank in XXXX but Citibank does n't want to take any action, they are not helping me out and this greedy company just want to take out money from me. 

I even spoke with the Supervisor of Citbank customer care " XXXX XXXX '' back in XXXX, but he is just giving excuses and doesnt want to help. 

I want Citibank to waive all the balance and also clear negative report on my Credit ( 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 explanation
Consumer complaint received 03-05-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NC).
Issue: Account opening, closing, or management

Complaint: consumer stated that her complaint is against Wells Fargo for not refusing to open a business account for 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 08-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never lived or visited the State of Florida, USA and never used this address : XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX, we started getting in financial stress due to reduction in income. I contacted Wells Fargo, the holder of the mortgage on my home, to request loan modification. I was told that since I was not delinquent, nothing would be considered. Over the next few months, we got behind in our payments, and on XXXX XXXX, XXXX WF sent me a foreclosure referral letter. I applied in XXXX XXXX for mortgage assistance. What followed between XXXX XXXX and XX/XX/XXXX ( 18 months ) was a string of 27 written letters from WF, and numerous phone contacts between us. I was shuffled around with XXXX different WF employees. I submitted my paperwork three different times, as there would be lengthy delays in processing my request while personnel were replaced, necessitating resubmission of my information. XXXX appraisals were conducted as the first on became too old for WF to use. These lengthy delays caused my arrearage to increase dramatically. In XXXX XXXX, WF offered me a trial plan, but it required me to pay most of the accumulated arrearage up front, which by that time I could no longer afford to do. WF stated that the only option they had was to require repayment of most of the arrearage as they were restricted by the terms of the Mortgage Backed Pass Through Certificates trust they set up and administered. They stated that if they reamortized my loan, they would have to offer that to anyone else who was part of that particular trust, and they were not willing to do that. 
WF handling of my mortgage assistance application almost exactly parrallels their past misdeeds that resulted in the suit brought by the State of New York and other states, including Maryland, where a consent decree knows as the National Mortgage Settlement ( NMS ) was ordered by the US District Court, XXXX. In that Consent Decree, WF was required to respond to and process mortgage modification requests timely, modify loans reasonably, and prevent the accumulation of arrearages that made it impossible for homeowners to avoid foreclosure. In my case, WF violated nearly all the terms of the NMS Consent Decree. I was forced to apply for Chapter XXXX bankruptcy protection in XXXX XXXX to delay foreclosure sale by WF. The Bankruptcy Court is unable to order modification of my XXXX loan since it is on our primary residence. All I am trying to do is to reamortize the loan to incorporate the arrearage, even though the loan is XXXX % greater than the appraised value of the house, due to the housing crisis. If WF forecloses, they stand to lose more than {$700000.00} in arrearages and loss of value, yet they are inflexible. I have evidence of all the WF contacts over the last two and a half years. I have also filed a Complaint in the Circuit Court of XXXX County MD which is deferred pending conclusion of the Chapter XXXX Bankruptcy filing.

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 Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX 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 08/15/2017 about Student loan (Private student loan) with AES/PHEAA (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am receiving calls from three different places concerning this loan, AES, the XXXX XXXX and XXXX. I am being told that XXXX has taken over the loan but I will still have to interact with AES. AES is extremely rude and unprofessional. I currently have XXXX income and they do an assessment and even though I have XXXX income and a dependent I am being told the best they could do is have me apply to pay half of what my payment is currently ( which I have been paying for the last three years ). I asked to have an application mailed to me, which I never received. Then I was told that I have to do it online. All the while I have not been offered a forbearance in the time it would take to sort this out. This seems extremely unethical. Also, I was told that XXXX took over the loan but I can not contact them about this loan, then I was told I do n't have to make payments until I receive the new terms with the new loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 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: Ive sent numerous letters to XXXX, Experian and XXXX in regards to fraudulent accounts reporting along with my federal trade commission report. XXXX XXXX ( XXXX XXXX ) is a fraudulently open account. Needs to be removed from all 3 reports. XXXX XXXX XXXX is Fraudulent needs to be removed. After reports and numerous attempts these still remain. They are fraudulent.

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 07/29/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I am currently in the process of trying to get a loan modification with Nationstar Mortgage.I was approved for a modification when my mortgage was with XXXX.Only to have XXXX transfer my mortgage to Nationstar and I had to start the process all over again.I submitted all my paperwork into Nationstar only to have them continue to say I was missing items. ( All items requested were submitted ) After submitting my paperwork over 16 times I had no choice but to file for Chapter XXXX.I am now again trying to modify my mortgage outside of my BK and wanted to know is their someone that I can work with from start to finish to complete this task correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Payday loan, title loan, or personal loan (Payday loan) with Guidiville Indian Rancheria (AZ).
Issue: Charged fees or interest you didn't expect

Complaint: Reference is made to Account Number XXXX for the amount of {$300.00} opened on XX/XX/XXXX. 

On XX/XX/XXXX I made a Interest cost payment of {$90.00} On XX/XX/XXXX I made a payment of {$200.00} on the Principal amount with a {$90.00} interest cost. 

Today, XX/XX/XXXX my account balance shows an incorrect amount of interest cost that is due on XX/XX/XXXX. Specifically, after calling Customer Services Representatives this Loan Company is unable to tell me and post the correct amount due which is a Principal balance of {$100.00} with a {$30.00} Interest cost.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TN).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: multiple issues- cant close, company forced close w XXXX funds coming in, refuses to purge system, refused to update drivers licences correctly, refused me a credit line, etc. 

This compnay is nothing but a con artist and I dont want thier business. I ve told them 4x now to stop sending me XXXX. They dont care. I have asked for policy termination. Didnt happen. I asked for over 1200 be sent to me repeatedly via wire. Didnt happen. I am not and nevermore will be a customer. I reccommend no veteran do business with them. choose XXXX XXXX or XXXX XXXX etc. I was just sent an atm card. AS IF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is a credit card debt from XXXX from 10 years ago or longer. Portfolio Recovery Associates is somehow renewing the timeline to an earlier date from XX/XX/2012.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IN).
Issue: Making/receiving payments, sending money

Complaint: Question : I need to know what has changed with CHASE.COM and scheduling bill payments. Something is different recently and I do n't know if this is because a regulation changed or if CHASE just changed their programming code in order to collect more fees XXXX. 
Background : I 've been scheduling bills electronically for at least 10 years. So I get it. I know how it works. You ca n't schedule a payment to be made on a weekend day or holiday. If a payment is due on XXXX those dates, you have to pay the bill early in order for the bank to have enough time to process the payment. 
Recently, ( this has happened XXXX to me now ), CHASE has decided to move my Bill payments originally scheduled for payday Friday to the day before my paycheck is deposited into my account. Then because I did n't have the money to cover all those payments the day before, they over drafted my account, charged some fees and moved the outstanding amount from my savings as the XXXX accounts are linked. The rep on the phone stated, " This is how all bill payments work even at other banks '' and because " they do n't want my payment to be late because of the holiday. '' Needless to say, I was SO NOT HAPPY. I do n't schedule bills to go on holidays. Then charging fees on top of it - to move my money over for no reason. As soon as I got the alert about my overdraft I tried to log into my account. Something else was going on as their system was unavailable for 2 days, Thursday XXXX XXXX. I searched for a phone number on-line and called. The rep on the phone was pleasant enough and gave me a one-time refund of the fees. Fine - but what about all future holidays? Is this happening to everyone? How many fees have they collected from people who did n't realize this was happening? Is this legal? 
CHASE DOES NOT get to decide to just move my payments to another day. I decide. Do I need to close these accounts and move to another bank or is this happening at every bank that does electronic bill payments? 
I would really like to know if this is legal and what I can do to avoid this problem in the future without having to go back to printing checks and the mail system.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Debt collection (Medical) with Express Recovery Services, Inc. (NV).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I DONT OWE THIS AMOUNT. I HAVE PAID TO DATE {$690.00} WHICH WAS NOT CREDITED TO THIS ACCOUNT. i RECEIVED NO BILLS NOR EMAILS ABOUT GOING TO COLLECTION. I CAN PAY MONTHLY WITH NO PROBLEM I JUST NEED A BILL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02/16/2018 about Money transfer, virtual currency, or money service (Debt settlement) with Coinbase, Inc. (CA).
Issue: Unexpected or other fees

Complaint: Receiving multiple charges I did not authorize from this company. They are re-charging my card multiple times. Unable to pay bills now and etc. I removed my accounts from their website and I still received the charges. 

On XX/XX/XXXX a {$510.00} charge I did not authorize from this company.

On XX/XX/XXXX a {$200.00} charge I did not authorize from this company. 

Again, I did not authorize these charges. I am not alone in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Bank account or service (Checking account) with AMERICAN EXPRESS COMPANY (NY).
Issue: Making/receiving payments, sending money

Complaint: Someone used my online account info through a wifi password while I was online during that time. However, I do not know this pert thought I met him through a third party ( friend ) after receiving and email of a mount taking I immediately file the dispute after given by the bank an email regarding he transfer I then knew who it was after given and providing a police report and name of person ( s ) the bank indicated it was a valid transaction and closed my account. They spoke to he merchant and the police ( allegedly ) reportedly by investigation. After I spoke with the police they indicated Amex XXXX did not speak to them. The bank refuses to disclose any other information and constantly hangs up on me after being angry. of course. They fabricated information it seems and they also did a poor job regarding investigation they no once spoke to me only to the pert and allegitlly the officer who took the report all calls are recorded via Amex. How did they concluded a fraudulent act and report and made their findings in 8 days when they never spoke to me and the same person that when I looked up his name that and email was attached to my account ledge from online he has done did more then XXXX person. This will be address by the courts if not by your investigators. They basically limited me on this case and did not secure my identity In fact the same person used what he retrieved on the data retrieval program on wifi from what wa given to me that he 's already access other assets of mine due to Amex XXXX lack of secure system. This will be consider security breach and as well fabricating infor to consumer regarding his rights by the law. I lost my job and have bills to pay due to heir lack of judgment on this case. Why did they call him and never spoke to me.

Company response to consumer: Closed with explanation