milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Problems caused by my funds being low

Complaint: On XX/XX/2016 spoke to the compliance officer about being charged excess fees. He assured me that they could not refund my and he did not know when the investigation would end. So, in order for me not incur any more overdraft fees. I stopped payment on XXXX accounts. A stop payment fee was applied and they deducted also XXXX dollars for the stop payment. The bank did not stop the payment nor did the refund my 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 10/14/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is Public Record Information on my personal credit profile that I am challenging as being inaccurate in its filing. It is my understanding that the term " Dismissed '' means that it is adjudicated by the law. Because this filing was NOT a completed or satisfied action, my case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. By Consumer Law I have the RIGHT to know who the 3rd party entity that has reported this information as being verified in its accuracy. The Bankruptcy Court, a Federal Government entity has confirmed that they do not verify to the credit reporting agencies. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Checking or savings account (Checking account) with First Data Corporation (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: My account through Money network was fraudulently used by a perpetrator in the state of Florida & California. The fraudulent charges total to {$6000.00}. I have direct deposit through my employer and reported this activity on XX/XX/2018 via phone to Customer Service. So far I have heard nothing back from the company and was advised that I would have to wait 45 days to receive a resolution. Meanwhile, I am a single mother, I have no money to support myself, pay my bills or feed my 3 children. Please see attached documents uploaded listed with all fraudulent & unauthorized activity.

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 01-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is XXXX XXXX and i never had an address at this XXXX XXXX XXXX my mother lived there and used my information illegally

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 10/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Brock & Scott, PLLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The law firmBROCK & SCOTT, PLLC has been harrassing me and my family about an alleged debt without and debt validation or verification. 

Per FDCPA rule : The attorney thus violated 15 U.S.C. 1692e ( 3 ) and ( 10 ) ,1. The law firm invaded the privacy of an individual by unreasonably intruding upon his seclusion by communication through the USPS via first class mail in relation to an alleged debt that did not owe to the law firm. 

2. The law firm and its agent 's acted in a false, deceptive, misleading and unfair manner by repeatedly communicating with me via USPS mail without validating and verifying the alleged debt. 
See attachment :

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed this account over 4 times If I can recall. This account is not past due nor it is supposed to reporting late. Equifax deleted the historical information but did not delete the historical codes. I have attached the dispute confirmation. Equifax also deleted the account from me credit report reinserted it without sending me proper notification. Confirmation # XXXX XXXX. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information. 
( B ) Requirements relating to reinsertion of previously deleted material. 

( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted The above-mentioned account was deleted from my file on approximately XXXX XXXX, 2016 and XXXX XXXX, 2016 ( please see enclosed page of credit report which details this ) and was reinserted on or before XXXX XXXX, 2016. Please permanently historical account codes and send me an updated credit report after it has been corrected. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: Ive been a Bank of America credit card customer since 2003. Without any notice, Bank of America decreased my credit limit from {$19000.00} to {$500.00}. 
I have been diligently working on fixing my credit rating, and recently made a payment to Bank of America for over {$19000.00}. Making such a drastic credit limit decrease will adversely effect my credit rating. I just got off the phone with Bank of America and they were unable to help. Is there anything the CFPB can do?

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 04/17/2017 about Consumer Loan (Installment loan) with CITIBANK, N.A. (VA).
Issue: Managing the loan or lease

Complaint: On XX/XX/XXXX, I purchased a XXXX queen-sized mattress from Macy 's in the XXXX in XXXX, VA for {$1500.00}. This purchase was part of a special promotion that was interest-free for 24 months. However, in my XX/XX/XXXX statement, Macy 's charged me {$31.00} in interest. I contacted Macy 's consumer line ( XXXX ) to bring this to their attention, and was informed that this was an error and that it would be corrected and the {$31.00} would be credited to my account. I received a letter from Macy 's dated XX/XX/XXXX also noting this. 

Unfortunately, when I received the statement for the XX/XX/XXXX payment, I noticed that not only had the {$31.00} not been credited, but I was still being charged interest, this time in the amount of {$28.00}. On XX/XX/XXXX, I again contacted Macy 's on the phone and was told that this would be corrected. I spoke with " XXXX '' ( id # XXXX ) and was again assured that the wrongly charged interest, now in the amount of {$60.00}, would be credited to my account and that interest would no longer be charged. 

I am now contacting you in the hope that you can help with this matter, and I do not have confidence in Macy 's accurately fixing my account and refunding me the money it has erroneously charged 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 monetary relief
Consumer complaint received 11/27/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: On the X/XX/17 coin base decided to close my account for no reason I had only opened the account a couple of weeks earlier I got an email telling me they was closing my account and to move my coins and euros before they close it. 
I was able to move the coins to an outside wallet but to move my euros I had to select my bank from a drop down box to send my funds too but when I select a bank there is no bank there and I can not enter my bank details manually because I have only limited access to my account now basically there is no way of getting my money back I have XXXX euros in the coin base acc I have  made four calls to support now and all I get is my case will be handed to a specialist? 
These calls have cost me XXXX as it takes forever for them to answer and no help at all I have three case numbers XXXX Coin base do not want to help

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am in the m iddle of repairing my credit and trying to rebuild since bankruptcy in 2016 I can not reach Transunion Once I mail to them its returned because of wrong address As a result I get denied for Transunion is giving out the wrong information to the creditors This is affecting lenders and credit cards that could help build my score Its impossible to reach Transunion either by mail or phone I even tried to get a copy of my credit report and its impossib le

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 12/27/2017 about Debt collection (Credit card debt) with Rent Recover, LLC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Ive tried contacting XXXX to let them know that my identity has been comprised because ive never had service with them although they refuse to remove this black mark from my credit report. I 'm filing to have them remove this fault debit from my all three credit bureaus.

Company response to consumer: Untimely response
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Please pull the phone records for a conversation that took place approximately XXXX XXXX 2015 between myself and a XXXX  customer service agent. I had received a statement saying I owed a very high payment. My understanding was you do n't have to pay until 6 months after graduation. So I called in because I had graduated only 3 months prior. The representative told me that I was correct and that XXXX starts sending statements nearly right away and I could ignore them until my 6 months grace period was up. After following the directions given to me by the XXXX customer service agent on approximately XXXX XXXX 2015 I waited another 3 months in " grace period '' and it goes by and all of the sudden XXXX XXXX  notifies me that approximately 45 late payments were posted to my credit report. 1 for every sub-loan account on record with XXXX, and for every month, for 3 months in a row totaling to approximately 45 late payments. Even if it was true and I was late I would 've been late paying one payment per month not one separately for every single sub-loan account with XXXX! 45 late payments is malicious and has indescribably made my life a living XXXX. I 've been rejected to buy a house, I ca n't get a decent rate on my car loan, and basically my credit score has been brought down to the XXXX 's solely due to XXXX XXXX customer service giving me misinformation and their false reporting of every single sub account as separate payments when in reality you only make 1 payment not 15 separate payments to separate sub-accounts! I have submitted disputes directly with XXXX 3 times detailing my story and never once have I been able to state my case to a human. I send it in and the system rejects it and then I have appealed it every time as well and the appeals have been rejected too. I have called in and talked to customer service representatives who have confirmed that this has been a problem with many others and they told me to keep submitting more disputes ; which I have to no avail. I have also hired XXXX XXXX which I have been paying {$100.00} a month for, for over 2 years and they have filed many, many disputes with all 3 reporting agencies against these XXXX false reporting s. All of this time, money, and energy has been to no avail. This is ruining my life. I graduated and I got a good career and I have had my XXXX  student loans set to Autopay ( never missed or late ever ) and yet I am be rejected for a home mortgage and can not move forward in life. Please help me consumer financial protection bureau! Please do n't let them just ruin my life!

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Debt collection (Credit card) with AAA COLLECTORS, INC. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a letter Back in XXXX. I responded and Asked for proof of debit Via fax ( i have proof of fax enclosed ). I also mailed out a copy that I faxed to them for proof of debit ( I have provided the printed tracking numbers as proof as well ) I got a letter today stating they are going to Sue us if we do not pay. This is the only response we have received and still have not been provided with any signatures and proof we owe this debt, or anything we have asked for in the letters we have sent.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Mortgage (Other mortgage) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX a statement was sent from Capital One that clearly stated I had several options to pay. I picked interest only. It was later determined they made a mistake ( but up to this time they have never admitted it ) They did not apply the amount I sent instead put me delinquent and have since, done nothing but harass me for their error. The loan is adjusted every year and I now pay an amount that will pay the loan off in the time required. I have proof positive that every payment has been paid and on time. By the way, I have never been late on my mortgage payment in my whole life of home ownership including with Capital One. They are now demanding funds that far exceed the amount I owe and have threatened foreclosure if I do n't pay by XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX account listed on my Equifax report incorrectly. I 've been disputing the fact that it was ever late, but it was officially paid off in XX/XX/XXXX. When they responded to Equifax with that information, it started reporting 120 Days delinquent in XX/XX/XXXX. That ca n't be possible with it being paid off in full and only negative 60 days once and 30 days XXXX other times. XXXX XXXX agrees with me and says so in a letter that I 'll attach. Equifax refuses to update the record, but the other agencies have.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the Equifax credit information hack. I find it unacceptable that I have to pay to freeze my credit when I did not consent to my financial information being stored by Equifax, XXXX, or XXXX in the first place. Credit freezes and unfreezes should be made free. 

Thank you for taking the time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Using a debit or ATM card

Complaint: Last Thur I used the outside ATM machine at Citizens on XXXX in XXXX, Ma XXXX. The machine kept my card, for what reason I do n't know. This ATM machine is serviced by the XXXX. They service it every Thur. So I waited a week to retrieve it from the bank. Today I called and they told me they did n't have it. The woman at the bank told me if they had to service the machine in between, they might have thrown it out. So now I have to wait another week, while they order me a new card. I 'll never use that ATM Machine again, but no one should have to wait two weeks for there card, especially if it 's no fault of theirs. I love My Citizens, but a little upset with this issue. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The following accounts are all fraudulent and unauthorized : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX for {$420.00}, I been receiving harassing phone calls at my home and at my place of employment from the above creditors everyday around XXXX XXXX for over 1 year. I have received death threats and been threatened with being arrested, if I dont pay the debt thats fraudulent and dont belong to me. I informed all 5 of the companies/debtors in writing via USPS mail to stop contacting me and harassing me at home and at my job, yet they continue to contact me at home and at my place of employment. This has been going on for over 1 year. This is a major violation of The Fair Debt Collection Practices Act ( FDCPA ) under federal law, and Arizona Debt Collection state laws. The accounts are all fraudulent and unauthorized, and dont belong to me. The debt is not mine. I have been informing the debtors for over 1 year that the fraudulent and unauthorized accounts arent my accounts, yet Im steady been harassed and receiving death threats, and threats of being arrested and put in prison for fraudulent accounts and debt thats not mine. The accounts are not on my XXXX XXXX credit report, because XXXX XXXX deleted and permanently blocked the accounts from my XXXX XXXX credit report.

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 07-03-2015 about Debt collection (I do not know) with WAKEFIELD & ASSOCIATES, INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Wakefield and Associates is reporting multiple collection accounts to my credit report, without notifying me with a notice in accordance with 15 United States Code section 1692g ( a ). 
I have contacted them with a letter to remove these accounts because of their failure to abide by the law and they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NE).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I called Bank of America credit card co. to take charges off of my statements, which I returned the merchandise back to Certified Fulfillment XXXX, XXXX/XXXX/XXXX, tracking # XXXX XXXX XXXX XXXX XXXX, and Certified Fulfillment received it XXXX/XXXX/XXXX, the free trial of XXXX I ordered which I paid {$4.00} shipping was posted XXXX XXXX/XXXX/XXXX, XXXX " XXXX XXXX XXXX XXXX XXXX XXXX {$4.00} ( which I paid ) I took the XXXXXXXX XXXX couple days and developed a XXXX ) I called that phone # and they said they Do not sell that product so was unable to contact them, so waited and another package from them came XXXX/XXXX/XXXX, With No Phone # to call them, So I repackaged it up with the Free trial in the same package and put there address on it XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX, Then the Next Credit card statement from Bank of America posting Date  XXXX/XXXX/XXXX XXXX XXXX XXXX {$87.00} and posting Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$87.00} tryed calling both phone # 's to resolve the issue, that I returned the XXXX XXXX and they said they Do not sell that product which I originally ordered XXXX XXXX for XXXX pain, I called Bank of America to file a Dispute on the Charges and not to accept anymore charges from them on my credit Card, Now this Month I get another Statement from Bank of America ; posting Date XXXX/XXXX/XXXX Bal ADJ /XXXX XXXX {$87.00} I called XXXX/XXXX/XXXX about this charges again, and talked to several people their, they kept transfering me over to someone else, I told them I want to talk to a supervisor, finally some guy got on the phone and said they cant do nothing about the charges thats between me the company Certifed Fulfilment to get it straightened out since I returned the product back to Certified Fulfilment. 
So XXXX/XXXX/XXXX I call Certified Fulfilment and told them, what Bank of America told me, and he said, That its Bank of America that should straighten it out for me and Hung up, ( Certified Fulfilment has bad reviews on the BBB, which I did not know and found their correct Phone # XXXX XXXX XXXX XXXX ) Can you advise me what I can do to get Bank of America to take the charges off of my credit Card statement,?? 
I am XXXX years old and calling these places and sitting on the phone for transfering to different people is very frustrating, and after all this sitting on phone, nothing gets accomplished,

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 02-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: A request for a short sale was submitted prior to the seven days needed for to be reviewed before a trustee sale date. The short sale requests was rejected due to insufficient time, even though I have evidence it was in prior to the seven day that 's required. I also informed Ocwen there e-mails and faxes were getting kicked back,

Company response to consumer: Closed with explanation