milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/27/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Deposits and withdrawals

Complaint: Bank of America charged XXXX overdraft fees on my account and my account did not reach a negative balance. I called customer service and they explained that the information online was incorrect and certain items, though showing as processing, were actually paid. I made the necessary deposit to bring my account to a positive balance prior to the end of the business day and the overdraft has not been refunded. Based on the online information, the transactions were still processing and I made the necessary deposit prior to the close of business. This is not the first time Bank of America has tried to steal our money and I want to make sure the CFPB is aware and does something to stop this. I have accounts with other banks and this never happens. I am transitioning away from Bank of America, but they just keep stealing my money ( every month ). I have attached screenshots as evidence and am willing to contact additional branches of the government to ensure that all Bank of America customers are aware of this scheme and appropriately prosecuted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Late fee

Complaint: I opened a new credit card with Bank of America. I arranged autopayment ( what they call eBill ) immediately after opening the account. However, my first payment was not automatically paid. After rechecking the account, I saw a small note in the autopay process as follows : " Note : e-Bill initiated payments for this bill will not begin until the next billing cycle. Payments for this billing cycle must still be scheduled manually. '' While this text is clearly visible, it is not highlighted aggressively. Additionally, this behavior is entirely different from what a reasonable person would expect when establishing autopay immediately after opening a new line of credit. The result was that I faced a fee and interest charge. After contacting the company, the fee was waived but not the interest. This was done as a 'favor ' to me. I pushed, and the interest was then also waived, again as a 'favor '.

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 07/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I moved out of XXXX 's service area and they say I owe them an early termination fee. They say I broke the terms of their contract and charged me a {$170.00} fee for that. I asked them if they would move my service to my new address, they said they could n't and would disconnect my service for me, but could not reconnect. I received a bill stating I had a credit of {$47.00} that was owed me. Next month I got a bill with the early termination fee and it used my credit towards that. I called and they said they would issue my refund check in about two weeks. Next month I received another bill for the balance of the early termination fee. I called again to complain to XXXX. I was cut off twice. I filed a FCC complaint, and XXXX called me and said they could not waive the fee. I asked them to provide service in my home. If I was being held to the contract, then I was holding them to the contract. They said they could not and would not waive the fee. Two hours after that call I received a call from a collections agency asking for the balance of the bill XXXX says I owe. I am due a refund of {$47.00}. I have attached the bills and the collection notice I received in the mail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GREAT LAKES (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: [Letter # 4] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS  *** {

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am making formal complaint against XXXX and Equifax Credit Reporting. 
I have paid XXXX XXXX Bank in full and I requested for these Credit Reporting Agencies to delete XXXX XXXX Bank off my Credit Report and they have refused believing XXXX XXXX Bank that I still owe them {$260.00}. I owe XXXX XXXX Bank nothing. I was a good customer and paid my credit card bill in full every month and than XXXX XXXX Bank came up with a bogus Idea of Fraudulent Activity on my account and suspended the account untill I could prove the account was mine. XXXX XXXX Bank was n't making any money in interest on my account so therefore they want to get rid of my business. I want an investigation into Equifax and XXXX Reporting Agencies and also XXXX XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: The XX/XX/XXXX I spent XXXX DKK ( Danish Krones ) on Etherium ( ETH ) on the website " Coinbase '', which worked fine. Then I sent them to XXXX, in order for me to purchase Ripples ( XRP ), and here my trouble started. XXXX states the wallet where my money was sent to will not function before the wallet has been funded with XXXX XRP. XXXX states that this will be funded within an hour and in rare cases more than that. I have now been waiting for 5 full days and have heard nothing from XXXX, nothing from Coinbase and my money/ETH is caught somewhere in the digitital world. 

I have heard that you have resolved other peoples problems with these specific companies so maybe you can help me? 

Best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX acct no.XXXX and XXXX XXXX XXXX XXXX  acct no. 
XXXX are two collection accts showing on my XXXX  and Experian credit reports. 
on XXXX ONLY security credit services llc acct no XXXX is showing as a collection with no balance. 
ALL ARE INACCURATE FOR THE FRAUD OF THE ORIGINAL CREDITOR.EACH ACCOUNT IS FOR THE PURCHASE OF A SOFA.IN BOTH CASES THE SOFAS WERE CONSTRUCTED DEFECTIVELY AND BEGAN TO COME APART WITHIN THE 1ST 30 DAYS OF PURCHASE.WITHIN 90 DAYS THEY HAD TO BE DISCARDED AS REFUSE. 
I APPROACHED THE ORIGINAL CREDITOR IN PERSON REGARDING THIS SCAM. 
LIKE THE FRAUDSTERS THEY ARE THEY OFFERED ME A XXXX DOLLAR CREDIT ON EACH SOFA WHICH I REFUSED.

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I recently the copy of my credit report sent to me by your company and found that you are reporting the below account ( s ) as valid debts when they are in fact out of statue and they are past the 10 year reporting time as allowed under the Fair Credit Reporting Act for closed positive accounts. The reporting of these accounts are suppressing my debt to income ratio and preventing me from obtaining a montage.

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 09/15/2017 about Mortgage (Other type of mortgage) with Ditech Financial LLC (MA).
Issue: Closing on a mortgage

Complaint: I was offerd a remodified loan. Due to the high equity in my Home, I was approved. My loan became unachievable after taxes and Hazard Ins. were added without my knowing, making my account several months past due, very shady. I agreed to the Modified trial period and made my payments on time. I recieved the Modified Loan papers in the mail with a two week deadline to sign. I noticed they added Hazardous Insurance and Taxes to my payment. After calling, I was told I did have to pay the Taxes but not the Insurance as long as I had my own policy, which I do. I tried calling and spoke with a represetative named XXXX ID # XXXX who was very rude and gave no explanation why I would have to pay them for an Insurance policy I already had. I called back and managed to be transferred to the Ins. Dept., who explained to me that not only did I not have to pay escrow for insurance but figurewd out they owed me a refund. Now, I do n't have much time to reply before this offer goes away and no where to turn.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Amsher Collection Services, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This account was opened fraudulently as a result of ID theft. Furthermore it was previously dismissed as fraud when XXXX XXXX attempted to illegally collect on the 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 01/13/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (VA).
Issue: Other transaction problem

Complaint: On XXXX XXXX, XXXX at XXXX XXXX, I transferred my funds from XXXX to Coinbase in the amount of {$830.00} in which the funds were never credited towards my Coinbase account. The status from my XXXX accounts says its been confirmed and sent to Coinbase, however Ive never received the funds in my Coinbase account. The address that was used from to send the funds from XXXX to Coinbase is : XXXX. Ive reached out to both XXXX and Coinbase about this issue multiple times and both companies are telling me to contact the other company because theres nothing that they can do about this situation. Ive attempted to call Coinbase in which I was kept on hold for 2 hours with no response from anyone, along with submitting a claim with their support team in which Ive not yet heard any type of response yet. I have screen shots of the transaction and the multiple complaints Ive made with both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (WI).
Issue: Trouble during payment process

Complaint: I am in Chapter XXXX bankruptcy. My mortgage was sold to Fay Servicing in XXXX XXXX. In XXXX I was struggling to make mortgage payments. I finally got caught up with my payments, as I was aware, in XXXX XXXX. In XXXX of XXXX I called my account manager at the mortgage company and asked her to tell me where I was in my payments. She never returned my call. It turns out at that point I was less than {$60.00} behind. I missed XXXX 's payments due to some car repairs. In early XXXX the mortgage company filed to remove themselves from the bankruptcy. On XXXX XXXX, I sent XXXX 's mortgage payment. Unbeknownst to me, the mortgage company changed their mailing address and never informed me. As a result, the payment was lost for approximately two months. Now Fay Servicing tacks on a {$900.00} attorney fee. For being what was basically one month behind in my payments. By the end of XXXX all payments were current. In the court hearing with Fay Servicing to find me in default of my bankruptcy agreement and the subsequent paperwork the trustee sent to me, I discovered that Fay Servicing once again changed their mailing address without notifying me. If it were n't for the paperwork received from the trustee, my payments would again be lost, and I would lose my home. I believe they are deliberately not giving me crucial information so they can foreclose on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Debt collection (Mortgage debt) with Hunter Warfield, Inc. (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I use my mobile phone for my XXXX XXXX, and at my job, as I'm not provided a phone to call my sales leads. The company, Hunter Warfield for the last 3 years have called me repeatably during my working hours after I have clearly stated to them multiple times to call me after my work hours. They have called me for the last 2 months, and after I have advised to call me after work hours. On XX/XX/XXXX, at XXXX XXXX  I received a call from " XXXX '', I advised her that I was at work and the number she was calling, was my work Number. she continued to speak and I advised her to call me after hours when I get out at work at XXXX XXXX, she ignored me and continued.. I disconnected the call after advising I was at work. 

On XX/XX/XXXX at XXXX, they called again. I advised the same, that i was at work, and this was my mobile work number and they shouldn't call me during this time, they continued to speak and I needed to disconnect the call. 

Today on XX/XX/XXXX, at XXXX, XXXX calls again and continues with her script. I advised her I'm at work and can not speak to her, that she is calling me mobile work number and need to call me after work hours ... she continued to speak, I disconnected the call. 

They have called me from Multiple Numbers. 

Dates Below. 

XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX All of these hours are times which I'm at work and they are aware of this. I would like for them to stop harrassing me while I'm at work, and calling my work number.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: HIPPA, CRA VIOLATION INACCURATE INFORMATION MUST BE 100 % CORRECT IF YOU REPORTING

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 09/28/2017 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: Account status incorrect

Complaint: Attached you find a payoff letter from XXXX that states loan was paid in full as agreed. It was not part of Bankruptcy.

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 06/25/2016 about Credit card () with JPMORGAN CHASE & CO. (SC).
Issue: Closing/Cancelling account

Complaint: I signed up for a Chase Student Credit Card when I was a College Student in XX/XX/XXXX. I used the card until it expired, then called Chase and told them that I did not want to keep the card anymore, and requested that they close my Account. Because this all occurred several years ago ( approx. XX/XX/XXXX ), I do n't have exact dates. 

A few weeks ago, Out of the blue, Chase sent me a new Chase Freedom Credit Card in the mail, using the details from the account I had asked to have closed several years prior. I called again and told them that I had not requested this card, and wished to have the account closed. I was assured that it would be closed. 

Since then, Chase has sent several emails to my personal email account with details about the account that I had requested to be closed and shut down. 

I highly prize my privacy and financial security. I am very concerned that Chase has disregarded my multiple requests to close this account. 

I am requesting that Chase close this account, and that they immediately stop contacting via email with details about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: A man named XXXX keeps calling me from XXXX XXXX XXXX XXXX XXXX in XXXX New York. They use several phone numbers and change them frequently, but the most current XXXX is XXXX. They started contacting me last year about an HSBC credit card debt that was discharged in bankruptcy in XXXX 2011. However, they are VERY rude, XXXX threatens me with legal action, tries to intimidate me, and has even verbally attacked me on the phone. I even had to change my phone number and they STILL keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Credit card protection / Debt protection

Complaint: Walmart offered 15 % discount on todays ' purchases if I opened a card, but after opening the card, Walmart withdrew their 15 % offer ( said that I will need to wait until I received the card to get the 15 % ), and when I asked to withdraw my application, my request was denied and Walmart processed my application. I received the card XXXX weeks later which I immediately closed. This is of concern only because it will be reflect on my 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 explanation
Consumer complaint received 05-08-2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I used a company called the XXXX XXXX to purchase some products. when I checked out ( using my credit card ) they offered me a service called XXXX pay. This service used YOUR credit card ( from another source ) and sets up XXXX equal payments. AT NO TIME did I give them my social security number or my date of birth etc or authorize ANY credit bureau to check my credit. Well XXXX DID run an inquiry as to my credit and now they refuse to remove it. Again please realize I never authorized this at all. When I called XXXX to complain the girl ( XXXX ) answering the phone stated it was only a soft inquiry. She then left a phone message ( which I saved ) stating that even SHE was unaware of the company practices as to credit bureau inquiries and she was sorry she had given me the wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Mortgage (Conventional home mortgage) with Dovenmuehle Mortgage, Inc. (FL).
Issue: Trouble during payment process

Complaint: My mortgage was transferred from  XXXX   XXXX   XXXX . to  Dovenmuehle Mor tgage  XXXX   Inc.  on   XXXX   XXXX   XXXX  . My homeowners insurance compan y (   XXXX   XXXX   XXXX    ) has been invoicing them to pay my insurance renewal premium, whic h they failed to do for 4 months, and my insurance was cancelled effective  XX/XX/XXXX . I had to find alternate homeowners insurance because  XXXX   XXXX   XXXX  would not issue me another policy because I had gone without coverage for over 45 days. I was finally able to find another insur ance carrier, and  they have also issued invoices to  Dovenmuehle si nce   XXXX   and to date  Dovenmuehle has not pa id for the new insurance either. I am now going on mont h 5 with no  homeowners insurance, despite an over-abundance of funds in my escrow account. In addition, they are sending letters warning us that they will take out their own insurance on our property, all while refusing to pay the invoices they have been receiving since  XXXX . I need assistance immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Signed up for TransUnion Credit monitoring service, TrueIdentity, in order to place a lock on my credit report and for 96hrs ( and counting ) I have been unable to place a lock. However, credit card solicitations, work like a charm even though I have opted out several times. The only reason I elected to lock rather than to freeze my account is that that service of freezing my report did not work either.

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 08-08-2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AZ).
Issue: Fraud or scam

Complaint: A woman in XXXX XXXX advertised a house for rent in XXXX XXXX. 
I responded, wanting to rent for the month of XXXX 2016. Her " husband '' handled the initial exchanges, including a contract, certificate of ownership, etc. I filled out an online application. It was all done online. 
After I sent the {$1000.00} security deposit he requested, his wife texted me saying he had died XXXX. She wanted the rest of the payment - {$1500.00}. 
At this point I realized I was in deep trouble, so I refused. I got to MoneyGram Inc only 1 hour before she picked up the {$1000.00} and blocked it. I now have my money back but do not want this woman to scam another person. Thank you.

Company response to consumer: Closed with explanation