milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-09-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: During the start of XXXX I lost my debit card at a party. Throughout the next couple of days, I go on my online banking app to see there were checks with the amount of XXXX dollars bounced under my name. I file a claim with Bank of America on the XXXX of XXXX saying that I was n't the person using that card to make those transactions. I even have proof of my attendance at my university the day of any transactions on my account. I also found a receipt of XXXX dollars through XXXX XXXX in my dorm a couple of days later with another persons name on my campus. I believe that person used my card after figuring out my pin and information to make the transactions that were made. Please help me, I need to prove that was not me who used that card to make any transaction of those amounts.

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 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: inquires were previously deleted from an agent due to me not authorizing them. I contacted the creditors and they told me to contact the Credit Bureau which i did and they added back without any notification to me and I tried resolving the issue with Experian with no success. I sent letter and letters of the laws to Experian USPS certified mail about this matter i have not heard anything.

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 02-01-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NV).
Issue: Other transaction problem

Complaint: XX/XX/XXXX I sold XXXX BTC for XXXX after a XXXX fee to be transfered to XXXX. 

On XX/XX/XXXX I recieved notice that my XXXX account did not match my coinbase account, so the transfer failed. 

Also I recieved a second email saying XXXX blocked the transfer. I contacted XXXX and they said no attempt to send money was made. Coinbase is mistaken I contacted XXXX  and they said they have no record of any attempt. 

A coinbase CS rep then told me the issue was how I added the account via login, not manual account/routing number input, and then backpedaled to day XXXX as a whole is not supported. 

XX/XX/XXXX I talked to another rep who claimed XXXX is supported. I also recieved an email saying my XXXX account is verified and enabled for transfer. 

Finally I recieved a refund of the BTC/USD but it is pending until XX/XX/XXXX to be transfered to my XXXX account. 

This is unreasonable to hold my USD like this. My account has been credited, but they are holding the money longer than any BTC transaction should take. especially at a nearly 10 % fee of XXXX. moreover, the BTC has already been sold so they are technically holding my USD until the XXXX. 

I am pretty much certain this is not allowed. But moreso, I am expecting this transfer to fail on the XXXX so I am proactively filing this complaint.

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 EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX : You are an incompetent apparatchik, and as culpable as XXXX XXXX and XXXX XXXX. I wonder if you have been bribed by Equifax, XXXX, and XXXX to ignore their sloppy security. Perhaps you will now walk through the revolving door opening on XXXX XXXX. I hope your personal information was stolen along with everyone else. 

The CFPB, one of the funnier oxymorons, should be privatized. 

XXXX XXXX XXXX, XXXX XXXX, TX

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (CO).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a call from a XXXX XXXX XXXX today stating that he was going to sure me unless I paid an account for an HSBC account. I informed him tat this account as included in a bankruptcy and requested that he quit calling me. He stated that he would not only call me but initiate legal action as well. Im recovering from XXXX and really cant handle these calls. He was very rude and refused to write down the case number or my attorneys contact information. He called my husband yesterday as well and threatened him too for my debt!

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XXXX of 2015 my family and I moved from our residence at XXXX XXXX after the property refused to renew our lease For which they did not provide an adequate reason as to their decision even when requested via email ( see attached ). We gave the apartment manager our contact information and requested that a ledger of any cleaning/repair after move out be sent to us ( attached ). Our schedules did not allow for a walk through with the manager however we did take pictures and have attached them to this complaint. 

We believe that we were not allowed to renew our lease as retaliation for numerous complaints that we made to management regarding appliances that did not work, health issues caused by inadequate living conditions etc. All of which they were reluctant to fix or did not at all fix. 

After moving out we never heard anything from XXXX XXXX or IQ Data for that matter not a letter, or phone call.We assumed that our security deposit had been used for cleaning and any repairs that might be needed. However, we never received an invoice or itemized list of the work that was done as is our right to receive. 

Last month we were notified by XXXX XXXX that there was a collection placed on our credit reports for the amount of {$4200.00}. We had no idea what this debt could be for since we occupied the apartment for 2 years most of the repairs & cleaning were not beyond normal wear and tear. We also never got a letter from IQ Data stating we had a debt that may go to collections instead they sent it right to our credit report with no attempt to come to a resolution. 

After a dispute was made with the credit bureaus IQ Data sent us nothing more than a copy of a minimalist walk through checklist created by the property which claimed that everything needed to be replaced including the entire carpet ( citing pet damage when we did not own a pet ), doors, appliances etc. They even finally replaced appliances that we had been complaining about for months prior to moving out. There was no break down of cost on this checklist, no receipts to justify how they got to that total.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Medical debt) with Capio Partners, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I received a letter in the mail claiming that I owed a debt to XXXX XXXX and that this company " AssetCare LLC '' now owns the debt with a balance of {$2600.00}. 
I call XXXX to try to resolve the issue on XXXX/XXXX/XXXX by phone asking for the following : A signed copy of my promissory note to open the account, Last bill and statement from XXXX XXXX, and the amount the debt was purchased for. 
A employee at AssetCare LLC told me that they will not give me this information, and they will report me to the credit bureau. 
I feel as if my identity has been stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   and attorneys   XXXX   XXXX   and   XXXX   XXXX   XXXX   of   XXXX   XXXX   XXXX  , have improperly scheduled unsecured property for auction originally,   XXXX   XXXX  , 2017, and now   XXXX   XXXX  , 2017 without proper notice and without giving a payoff statement, invoice or bill for payment. In an earlier complaint regarding debt collection procedure violations,   XXXX   XXXX   of   XXXX   XXXX   XXXX   for   XXXX   XXXX   provided an affidavit of service by mail dated   XXXX   XXXX  , 2017 of notice of sale scheduled   XXXX   XXXX  , 2017. In the same letter   XXXX   XXXX    maintains that the required 90 day notice under NY CLS UCC 9-611 was given. This is clearly untrue according to the documents   XXXX   XXXX   has provided. Upon repeated requests for a payoff amount or statement,  XXXX  and their attorneys   XXXX   XXXX   XXXX  , have reported to the credit bureaus false information due to the fact that they report the debt as in arrears, but refuse to provide verification or substantiation and have failed and refused to give me a payoff statement, amount, or an opportunity to payoff the debt.

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 04-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX, XXXX I am writing a letter to file a complaint and stop any unwarranted foreclosure proceedings with Bank of America. Bank of America provided me with an application for a Home Loan Modification. I wrote back XX/XX/XXXX that the bank needs to wait until I file my tax return that the bank requires in order to have a Home Loan Modification. 

I received a letter on XXXX indicated that I was denied, because I was not employed. The information that was evaluated was XX/XX/XXXX ( prior information ). 
I am employed and I wanted a home loan modification. 
Then afterwards I received a slew of follow up letters of foreclosure proceedings. I thought this Bank would clean itself up. However, it is clear that Bank is causing problems. 
I get a statement of what I owe, which is totally inaccurate when I am making my payments. My property taxes have been paid as well. 

I am requesting an investigation and restitution, because Bank of America Does not want to follow any guidelines. I am also asking that the bank will Stop all foreclosure proceedings until my application is complete this month. 

I appreciate your consideration.

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 09/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MD).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: American Express Delta Sky Miles card. When billed {$95.00} annual fee I immediately called customer service on phone to cancel account. Talked to agent, expressed desire to cancel unless they waived fee. Was transferred to 'retention specialist ' line. Was on hold for > 20 minutes then call dropped. Went online, did the same on chat session. I tried at least five times with online chat and phone calls. I was finally able to cancel card, but by then their 30 day time limit to refund next year 's annual fee had passed. In one of the customer service conversations XXXX said would they investigate and respond in 60 days.
Amex effectively delayed cancellation of the card until the fee refund period was over. This behavior seems similar to XXXX making it extremely hard to cancel their service, for which the FTC dinged them, about ten years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX, 2016 I wrote a check to Wells Fargo Home Mortgage for the amount of {$1000.00}. The amount was written out in words on the legal line and also in numbers in the amount box. Wells Fargo 's processing center processed the check for {$6000.00} on XXXX XXXX, 2016, which is an additional {$5000.00}. It overdrafted my account. This is a banking error. I contacted XXXX at the XXXX XXXX, PA bank and he reversed the check. It was resubmitted on XXXX XXXX, 2016. I contacted XXXX again and the same scenario occurred. It has since been resubmitted again on XXXX XXXX, XXXX XXXX, and also again today on XXXX XXXX. Every time I contact them to resolve the issue, they do not. I also contacted the home mortgage company and they told me they would charge ME {$35.00} to stop payment on THEIR mistake. I spoke with an attorney at Legal Aid in XXXX County, XXXX. She directly spoke with the bank manager XXXX at XXXX XXXX and he told her it is just a " bandaid '' effect and what he does only lasts for 24 hours. Therefore, it continues to happen over and over. I am beyond frustrated, want to close my account and ca n't because I have no money available, and I also can not get groceries or my XXXX daughter 's XXXX because every time I go to the store, my account is overdrawn and I can not access my fund. No one seems to care, at all, that this is happening. No one resolves the issue. I need legal help and also to file this claim because this has to stop NOW. I am a recent widow on social security and my social security is going to be affected. I 'm also receiving notices in the mail from all the companies I had automatic payments coming out of who I will now have to take the time to argue with to not charge me their overdraft fees and not affect my credit score. Once the credit score is damaged, it 's damaged. There is no reversing that. This is ridiculous!!!

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 06/28/2016 about Debt collection (I do not know) with Professional Bureau of Collections of Maryland, Inc. (GA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My sister received a call from XXXX and the representative XXXX did not provide any information on where she was calling from. After my sister told her not to call for me on her phone, the representative continued to ask personal questions such as : what 's her husband 's name? Where does she work? and when my sister refused, the s rep said " it 's in her best interest to call sooner than later before further legal action is taken ''. I have no dealings with this company and have never heard from them. I 'm also monitoring my credit report and there 's no information here which indicates they should be calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have spoken to XXXX about 14 different hard inquiries on my credit report. They do n't seem to want to help me when I have asked them to provide paperwork or start and investigation to those inquiries. For example I had one XXXX XXXX XXXX Credit card ( which I have closed now, ) however, I have XXXX hard inquiries from them on my file which is outrageous. The customer service advisor and his supervisor were extremely unhelpful and would not assist me.
Below are the following listings : XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Utilities & Fuel ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXBank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXXFinance ( XXXX ) 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 04/19/2016 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX went out of business years ago. I had an account with them XX/XX/XXXX. It was charged off before XXXX. XXXX sold to XXXX XXXX ... who sold to XXXX. This debt, which was outside the statute of limitations 5 years ago and outside the federal obsolescence time frames for the Fair Credit Reporting act 2 years ago is STILL on my file. I assume if XXXX sells it to XXXX who sells it to XXXX, it will be on my file until I die. I disputed this with the bureaus with no result.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Transaction issue

Complaint: On XX/XX/2016, I made a payment on my XXXX XXXX Citibank XXXX for {$2000.00} from my XXXX Checking account. The credit was applied to the credit card acct and the money was deducted from my checking account. Later the money was added back to my credit card stating that the payment was rejected by XXXX how ever the money was never returned to my checking account. Following a three way call between both banks XXXX was able to provide an ACH Fed Trace number showing that they had given the funds to Citibank on XX/XX/2016. I have requested numerous investigations by both banks and both says the other has the {$2000.00}. At this time the payment has not be applied to the account and the money has not been returned to my checking 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 explanation
Consumer complaint received 08-01-2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (TX).
Issue: Incorrect information on your report

Complaint: When PennyMac bought our loan they did n't accept bi-monthly payments like our previous company. We were not notified of this until we called about fees we were being charged. So it showed as late payments. Then we were offered a modification. When it was explained to us, they told us not to make payments certain months and then make partial payments other months. We were told that once the modification was finalized that all negative markings would be wiped off of our credit report. We were told the loan would be shown in good standing with no blimishes. They show the loan in good standing but all of the negative reported is still on our credit report. It is still effecting our credit score 4 years later and they continue to say they ca n't help.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Other

Complaint: Last year, XXXX XXXX, I went to a credit counseling company to get help paying my bills. In XXXX XXXX. They accepted the accounts I gave them, XXXX by Chase was one of them. In XXXX XXXX, XXXX, began withdrawing funds from my checking account to make payments. For XXXX XXXX by Chase they withdrew {$20.00} per month. I stopped automatic payments for the XXXX Credit Card in XXXX XXXX. I found out in XXXX XXXX, that Chase was still withdrawing {$20.00} from my checking account and receiving {$20.00} in payments from XXXX for a total of {$40.00} per month. I want them to stop charging my checking account. I contacted them, I did not know the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Debt collection (Medical) with Richard Sokoloff, Attorney At Law (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I continue to receive notices with an increasing level of hostility from Richard Sokoloff Attorney at Law XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, NY XXXX. Concerning a medical bill for XXXX and XXXX XXXX XXXX in the amount of {$370.00}. This bill was paid directly to the provider XXXX and XXXX on XXXX XXXX, 2016 in full. 
On several occasions, after receiving letters demanding payment, I have called the above office and have informed them that this bill has been paid and I owe the doctor nothing. Today when I again called this attorney to inform them that I had already paid the bill and that they should stop harassing me, a XXXX XXXX told me I had to submit proof that I have paid the bill or they will not stop. 
I responded that it 's their job to make sure they have accurate information before calling and sending letters of demand. XXXX XXXX proceeded to yell at me, told me it 's my job to prove I 've paid the bill and then she hung up on me. 
I find it unreasonable for this attorney to continue to harass me, for a bill that 's already been paid.

Company response to consumer: Untimely response
Consumer complaint received 02-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: My name is XXXX XXXX and I reported a fraud charge of {$500.00} with my Citi Thank You Preferred card. Looks like some one used my card at the XXXX XXXX branch or ATM for cash advance. At first I was told by Citi bank that they are going to give me credit back but recently they reverse the charge without any resolving letter sending to me. I have never in my life use a credit card for cash advances. 
I want Citi bank to provide me the proof of their investigations. I want them to resolve this issue as soon as possible as I am not willing to pay a penny toward this transaction.

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 02/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Asset Recovery Inc (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Third party creditor collecting for a party who decided to generate false accounts receivable for services not rendered.

Company response to consumer: Closed with explanation