milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-02-2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint: During the summer, I deposited {$750.00} in this American Express Serve account from XXXX XXXX checking account. In XX/XX/XXXX of this year. I got an email stating my account was being permanently suspended. I could then no longer look at my account on line. So Not sure of balance I called them and was told the account was suspended due to " funding source. '' He would Not explain any further. I then cut my card and wrote to their main office in XXXX XXXX asking for explanation. Received nothing. I believe I had a few hundred dollars on the account. But had n't looked for a time. I called again today and got that it was a fraudulent deposit from XXXX XXXX. After thinking about it, I had automatic deposits of {$75.00} for several years. And, coincidentally, I had to open a new account with XXXX during this time. So, the only thing I can think of is one of those autimatic deposits must have been made from the closed account. What a Poor way to handle a good customer ... ..IF that is what happened, I made a mistake ... .NOT FRAUDULENT EVENT. They did n't even check with me like most businesses. That was Just wrong!!! And, I do n't know If that is What happened!!! And, They said I have No money. How do I know that They difnt keep it for FEES. 
They Just cut me off and added on the phone today " You may never apply for an American Express card '' who would want to!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/19/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I called up Equifax and told them I can not get my credit report from annual credit report and would like to file a dispute.They told me to fax my driver license and SSN card which I did and inspite of calling them up after 48 hours they inform me that did not recieve the fax where as the fax report clearly says delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: Nationstar contacted us in writing last XX/XX/XXXXabout {$1200.00} in funds being placed in an " unapplied funds account '' and our need to pay {$410.00} to bring our account current. 
I spoke with XXXX XX/XX/XXXX an explained that the full payment should be posted to our mortgage balance. Our minimum payment was {$1600.00}, but we always pay extra principal with a payment of {$1900.00} per month. I explained to XXXX that all funds submitted by us should ALWAYS be applied to the mortgage balance, and were NEVER to be placed in unapplied funds again. 
Today we received a letter from mr. cooper, the new name for Nationstar. The letter states that {$400.00} has been placed in an unapplied funds account, and we need to send {$1100.00} to bering our account current. Our new minimum due is {$1500.00}. We paid the same {$1900.00} that we pay EVERY month. I suspect this ruse is intended to create mythical delinquencies for unsuspecting mortgage holders. I have not yet called to resolve the latest shenanigan, but I promised XXXX last year that I would report them to you if the nonsense happened again.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Struggling to pay mortgage

Complaint: Summary of why I have filed a complaint to the CFPB Consumer Financial Protection Bureau. I responded with and answer and affirmative defenses. I also responded with Affirmation defenses with a request for mediation. All paperwork was filled out sent in. A check in the amount of {$170.00} was also sent in when requested to be forwarded.   I have also sent in many requests for a QWR qualified written response to the lender  Wells Fargo.  We get a standard request back stating that the questions are to board. The questions are specific to the loan that is on the address   XXXX   XXXX   XXXX   XXXX   NJ  XXXX . You will see in the packet that what was sent in was tracked through certified mail to all parties. What we are looking for is a simple request to be able to stay in our family home and can move forward with mortgage payments to be made.   I feel that our file is not being reviewed correctly because of my line of work that I am in. I have not kept any secrets of what my line of work has been. When I was asked what I did for a living I was more than open to explain in detail if the bank had asked. I have become and advocate for the people homeowners who want to keep their homes. A voice for homeowners like myself that had once fell on hard times and could not afford to pay a mortgage.

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 11/26/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Bank of America is reporting an account under my name and social security number that I never opened. This account was opened due to identity theft. I provided a police report during my dispute to them. I was never associated with Bank of America or any personal or business account being reported.

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 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX Account Number : XXXX I sent police report. was ignored I sent affidavit document was ignored I did all the legal way. I sent all my documentation proofing that I 'm a victim. Nothing to even respond. I have all my certified mail copies and return label also and I did upload file came from capital one which is totally not an application seriously. it does n't provide me account number or anything. Also when I called and ask XXXX and Equifax customer service they told me we ca n't give you response and any documentation and this will stay on your report forever as long as they want and that 's totally wrong honestly and I 'm feeling now these companies they are violating my rights please help and no one above the law that 's what I believed forever. please give me a written documents that my signature on it or delete this. 

Please, you are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. 

In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TX).
Issue: Taking out the loan or lease

Complaint: In XX/XX/2007 i bought a new pickup and financed it XXXX XXXX. On the financing contract XXXX stated that if the contract was assigned to another lender then we XXXX the new lender and I had to sign the new financing agreement, because we could negotiate the new interest rate. One month after we signed contract, XXXX Bank bought XXXX XXXX but they did not comply with the assignment terms of the contract. XXXX was caught laundering XXXX XXXX dollars in drug money, Wells Fargo bought XXXX and Wells Fargo sued me even though XXXX or Wells Fargo did not have any contract with me they did not have standing to sue me in any court or any right to take my property the XX/XX/XXXX truck. The republican judges in Texas all the way to the Supreme Court of Texas just ignored my pleadings. I have a copy of the contract it can still be read even though it was shrunk down when Wells Fargo filed it in court. More damage that Wells Fargo continues to do is even though they never had any contract with me, they report to XXXX XXXX I owed XXXX about XXXX this on my credit report makes it almost impossible to restart my business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I have a business checking account at Bank 0f America which was opened in XX/XX/XXXX. As a business owner of XXXX XXXX XXXX XXXX I have clients with established history of monthly payments to my business, in which I make frequent monthly deposits into the account. I made a deposit on XX/XX/XXXX from one of my clients, that I make monthly deposits from. A hold was put on the funds even though, there was never a problem with checks from this individual. This resulted in my business account being overdrawn, and two fees of {$35.00} each was charged to my account.

I called on XX/XX/XXXX to get the funds released, and the Agent was a bit surprised, and said he did not know why the funds were put on hold, and released the funds.

I asked to have the fees in the amount of {$70.00} credited to my account, it was done. However, it was added again to my 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 monetary relief
Consumer complaint received 10/25/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Deposits and withdrawals

Complaint: On three occasions, I have requested that my daily ATM withdrawal limit be raised from {$310.00}. The bank has refused to raise the limit, and when cash was needed for an emergency on a Saturday evening, I was unable to access my available funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I HAPPENED TO LOOK ATT MY CREDIT REPORT AND SAW SEVERAL COLLECTION ACCOUNTS FROM XXXX XXXX XXXX. THEY NEVER SENT ME A NOTIFICATION OR ANYTHING. THEY JUST PUT ALL OF THESE COLLECTIONS ON MY CREDIT. I HAVE NOT GONE TO AN EMERGENCY ROOM IN OVER FOUR YEARS, AND MY INSURANCE PAID IT WITH MY DEDUCTABLE BEING PAID. SOME OF THE ACCOUNTS FROM XXXX XXXX  IS DUPLICATED. I SENT FOR VALIDATION IF THE DEBTS AND THEY IGNORE ME AND DO N'T RESPOND

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Union Adjustment Company, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: i found out i had a collection on my credit from a parking ticket, so call to pay it off on XX/XX/XXXX which i did in fact with a credit card over the phone, today on XX/XX/XXXX i was denied credit on a auto loan because union adjustment company is still reporting the account as unpaid after i paid it off eight months ago, this company is stopping me from moving forward with my life can you please help!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2017 about Debt collection (Medical) with The Law Offices of Mitchell D. Bluhm & Associates (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I just requested a copy of my credit report to verify how everything looks as I am planning on changing my vehicle and noticed my credit score dropped more than XXXX points. I am completely frustrated and concerned about this situation. My credit report reflects XXXX collections and I have NEVER received a notification on any of them. This Collections company never executed XXXX. Validation of debts per it is required by the FTC. 
the Collections Companies are : 1 ) XXXX ; and 2 ) LAW OFFICES OF MITCHELL D BLUHM I must report a predatory action coming from this companies as I understand they are perfectly aware of this 30-day. I have excellent credit, no late payments in more than 6 yrs and now I have this companies doing this illegal action. 

I need this items to be removed from my credit report and also need evidence of what is this collections for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: RE : Remaing inaccurate items. I am sending this letter in regards to the remaining inaccurate information your company continue to leave on my report. I have the items below in the file attachments. Please review the inaccuracies and remove the items within 48 hours of receiving this message. I am not attempting to collect a debt nor is this a threat but Im in the process of filing a lawsuit. I advise you to look over this matter and take serious precautions or else youll find yourself in a courtroom trying to defend every violation youve caused, pain, agony, embarrassment and the dark clouds youve placed onto my life. As of today Im sending this final letter as an affidavit and the final important notice to remove your obsolete, bogus, accounts and inquiries by today. I will be following up checking my credit to see if the inaccuracies are removed. I strongly advise you not to take this as a laughing matter, it is to be taken very seriously.

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 06/22/2016 about Consumer Loan (Vehicle loan) with LOBEL FINANCIAL CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: I PURCHASE A XXXX ON XX/XX/XXXX. FROM XXXX I WAS TOLD BUY THE SALES AGENT TO SUBMIT THE AUTO APPLICATION WITH MY HUSBAND XXXX. HE LET THE SALESMAN KNOW HIS FL LICENSE WERE SUSPENDED WHICH THE SALESMAN SAID IT DON'T GO AGAINST THE LOAN BEING APPROVED.FINISH ALL PAPER WORK LOAN WAS APPROVED AND JUST RECEIVED TAG FROM 3 MONTHS WAITING AND UNABLE TO CONTACT COMPANY BECAUSE THEY WERE KNOW LONGER AT THE SAME LOCATION.I VISIT MOTOR VEHICLE REGIONAL OFFICE IN XXXX FL ON XX/XX/XXXX THEY FOUND WHO REGISTER THE TAG AND WENT IN THAT DAY PAID XXXX FOR TAG AND FEES. I ASK THE AGENT PEPE WHY WASN'T I GIVEN A DECAL FOR XX/XX/XXXX HE STATED I NEEDED TO GO TO A TAG AGENT TO RENEW. THAT  DAY I VISITED A AGENCY IN XXXX FL WHEN I WAS TOLD SINCE MY HUSBAND LICENSE WASN'T ACTIVE I COULD NOT RENEW UNTIL HE TOOK ACTIONS ON HAVING IT REINSTATED. CONTACT LOBEL FINANCIAL TO ASK WHAT WOULD BE MY STEPS IN REMOVING MY HUSBAND INFORMATION OFF THE LOAN I WAS TOLD BY TWO MANAGERS AND FIVE AGENTS TO FIND ANOTHER COMPANY TO REFINANCE MY LOAN. SO NOW I AM STUCK WITH A VEHICLE THAT I PAY XXXX A MONTH PLUS XXXX INSURANCE. I NOTIFIED THE INSURANCE COMPANY THAT MY HUSBAND LICENSE WAS SUSPENDED AND THEY EXCLUDED HIM OFF THE POLICY. I REALLY NEED HELP ON SOLVING THIS PROBLEM BECAUSE I HAD A DOWN PAYMENT OF XXXX AND HAVE MADE 4 PAYMENTS OF XXXX AND CAN'T LOSE MY MONEY ON A VEHICLE I CAN'T DRIVE. LOBEL FINANCIAL CORP. XXXX.
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Payday loan, title loan, or personal loan (Payday loan) with AAA Auto Title Loans, LLC (AZ).
Issue: Can't stop withdrawals from your bank account

Complaint: On  X/XX/2017     Cash 1  in  XXXX , Arizona withdrew unauthorized amount of {$58.00} by writing a random check number to use to take money electronically out of my bank account. On   XXXX    , this same company also used another random electronic check number to withdraw {$58.00} out of my bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (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 have been spending a lot of time dealing with remove a false charge from my credit report XXXX XXXX XXXX XXXX XXXX I now have confirmation that not only is this a fraud but XXXX XXXX has repurchased the debt from XXXX XXXX there is no reason for the agencies not to remove this ASAP. To date, only Experian has removed this fraud charge. 

I had a call scheduled with a debt lawyer until XXXX XXXX got in touch with me. But I am at the pointn where I am considering legal action against both XXXX XXXX XXXX for aiding and abetting fraud. I would even consider my first ever lawsuit if need be. 

XXXX also leaked my credit score to hackers which their top executives hid from shareholders and the public and traded on. So I have a case against XXXX but even more of one against XXXX. 

Also some of these credit inquires are incorrect. I have a letter from XXXX for Experian in that regard and XXXX has two inquiries for XXXX when I dont even think there should be one - this is wrecking my score. Please remove them ASAP Please see attached documents for everyhthing

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: They had a breach in security that directly affected me. They have mishandled the situation and I feel that my information has been compromised without a valid response. According to the Equifax website I am at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Debt collection (Credit card debt) with Stenger & Stenger, P.C (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This company has sent documents as a CERTIFIED DOCUMENTS ADDRESSED in MY SON 'S NAME! I believe it is a time-barred debt. The debt was filed on XX/XX/XXXX, the judgement date is XX/XX/XXXX. This debt originated when I used to live in XXXX ( which was years ago ). The issue I have is that my son 's name was typed on a sticker and pasted over my name. My son is only XXXX years old. My check was being garnished. I believe that is part of a step to try to resolve the issue. Also, I do believe about two years ago a statute was passed that debt collectors could not garnish your pay if you lived in certain counties in XXXX. XXXX County being one of them. My concern is that is this even legal?

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 09-03-2017 about Debt collection (Credit card debt) with STERLING JEWELERS, INC. (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Debt was paid in 2015. Legal agency called from XXXX stated they put out a warrant for my arrest regarding paid off debt. I explained to female at agency it has been paid off. She stated that she would n't be calling me if it was, demanded I take care of total immediately, stated she had list of friends and relatives phone numbers & would call them stating I owed the debt & ask them to pay it for me and then stated she was calling DMV to suspend my drivers license.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Debt collection (Credit card) with CITIBANK, N.A. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: THIS IS A NEW REPEAT COMPLAIN AS TODAY HAPPENED AGAIN- Ongoing ABUSE - A probably " fake '' Co hiding number address Name falsely representing as " attorneys '' continues to HARASS ME/our family calling threatening SUE if do not pay DOUBLE plus {$1000.00} more of an Old Credit Card Consumer Debt with Radio Shack ( currently Bankrupt ) debt from 2004 past 10 years delinquent, extortion call being done ( threat to sue, garnish my Bank Accounts everything, an ABUSE ). Co calls done from XXXX XXXX XXXX caller identified as " Supervisor '', said Co were " Attorneys '' called XXXX XXXX ( did Browse, NON-existent ) File XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IN).
Issue: Settlement process and costs

Complaint: My loan has been with Ocwen for the past two years. My original loan amount was {$39000.00}. It has been 30 years and I owe {$54000.00}. My interest rate is 11.7 %. My loan has been bought out from four different companies. I am sure that it should have been paid by now. I think this was a predatory loan.

Company response to consumer: Closed with explanation