milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I had closed my credit card with Bank of America X/XX/2017 # XXXX due to someone hacked into my credit card. After closing my account, Bank of America were allowing money laundering activities to take place in my closed account. 

Up to about {$10000.00} telephone transfer was deposit into my account and similar amount rejected or send back to someone ( I do n't know to who ).  Bank of America have not stop these activities nor block my account at all. 

XX/XX/XXXX - {$1000.00} deposit/withdraw XX/XX/XXXX - {$1000.00} deposit/etc. 
XX/XX/XXXX - {$200.00} deposit/etcXX/XX/XXXX- {$1100.00} deposit/etc. XX/XX/XXXX -XX/XX/XXXX {$1500.00} deposit/etc.XX/XX/XXXX - {$1800.00} deposit/etc.
XX/XX/XXXX - {$1700.00} deposit/etc.
On X/XX/2017, I had emailed " XXXXXXXXXXXX ' '' to resolve fraudulent activities/money laundering. I had received zero response from XXXX. 

XXXX, After closing my checking account AND my credit card account, there are continuous Suspicious Activities occurring in my closed credit card account which I am NOT responsible for because the credit card account was already closed. 

Please STOP allowing my CLOSED ACCOUNT to act as a vehicle for money laundering activities immediately. 

Please track all the telephone transfer going into my account as Suspicious Activities - they are NOT MINE. 

Any withdraw leaving out of my account going to any 3rd parties checking are Suspicious Activities - they are NOT MINE. 

Please reference that these were Bank of America internal controls at fault, not catching closed credit card activities and allowing for repetitive deposit and withdraws into and out of a closed credit card account - they are NOT MINE. 

Due to the credit card account was hacked, I had already reported the account was to be closed. Did BofA monitor the hacked account and activities? I had received half a dozen correspondence of deposit and withdraw after a closed account. 

As these are in the tunes of over $ 5,000+ ... NOT my activities, I am holding BofA liable in allowing my closed account to be used to conducting criminal activities and money laundering. Please respond by Tuesday XX/XX/XXXX close of business that I am not responsible for all activities in and out of my account after the account was closed or I will report this to CFPB and OCC. - XXXX XXXX On X/XX/2017, after I had received the {$1700.00} deposit into my closing account, I had called BofA again, and no one was able to access my account in the fraud department ( OMG ) and no one was not able to help me after transferring me. Please shut down BofA for wire fraud/mail fraud/money transfer fraud and release me from any liabilities as whistle blower. 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 monetary relief
Consumer complaint received 10-02-2017 about Debt collection (Other debt) with AllianceOne Recievables Management (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I XXXX XXXX desire to work out a payment arrangement with XXXX XXXX XXXX XXXX directly. As a public utility this company is governed by a public service commission, not protected by the Fair Credit Reporting Act. In addition, this account has been sent to two collection agencies to illegally cloud my personal credit rating, without written consent or assignment to collect being sent to me directly. Accordingly, this collection must comply with the legal collection process as mandated by FTC v. XXXX XXXX XXXX XXXX. These collections need to be deleted and as I stated, I will work out any payments, if required to XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I recently filed a dispute with Equifax Information Services regarding a late payment being reported by XXXX XXXX XXXX for a personal account with a delinquency date first reported on XXXX and then again on XXXX. I advised Equifax that the information was incorrect due to the fact that during those times I was under federal bankruptcy protection and provided a copy of my bankruptcy XXXX paperwork which provided the start dates of XXXX - XXXX for bankruptcy protection. I then advised that under federal law they are unable to report any or update any negative or positive information on my credit file while I was under bankruptcy protection. Despite having the required documentation Equifax determined that XXXX XXXX XXXX was correct in placing this illegal negative report on my credit file, despite me being under bankruptcy protection.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In 2005, I refinanced my student loan through XXXX XXXX to a 15-year term. I have made consistent payments and I kept my account when XXXX XXXX split off into Navient. Yesterday, I received notice from Navient that the balance on my loan had been re-amortized for an additional 8 years. I immediately called Navient. The representative stated that new federal regulations required that the loan be extended, and that they just had not had the time to notify all of its consumers. Is this true? Are there new federal regulations that restrict the repayment terms of a federal student loan? Can Navient restructure my loan terms without my consent?

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Vehicle loan or lease (Loan) with BB&T CORPORATION (CO).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XXXX XXXX XXXX, i did a pay off online for my auto loan. The amount was {$23000.00}. It was accepted successfully, and posted on XXXX/XXXX/XXXX. They closed my account as paid off, i received a payment confirmation statement and email. I never received the title. They called me XXXX and said that i owed on the account i made them aware of the pay off. They said it was returned as an invalid account. I spoke to someone else and they said the account has insufficient funds. I spoke to someone else and they said that because it was a pay off, i had to send certified funds via the mail, or pay in person. On XXXX i went into the corporate office for XXXX XXXX XXXXnd spoke with the manager XXXX XXXX. I paid via check. I once again received a receipt for my payment, and the account ledger showing the account settled. The amount that i paid that day was {$23000.00}. I followed us, and they emailed me the ledger showing the pay off. 
As of today XXXX my account still shows a balance. I once again tried to pay online. I received an approval confirmation. I called tele-check and they do not have any negative information in the system under my social security number. There are no returned checks in the system. They told me to continue to use this checking account for payments.

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 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HSBC NORTH AMERICA HOLDINGS INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have had a loan from HSBC. 

The monthly payment has been through Direct Debit for the past 13 years. 

HSBC made me a change of terms offer which was ambitious at best. Without replying to my questions, it stopped the Direct Debit and then reported me as late, ruining my credit. My credit score fell by 250 points as a result. I can no longer borrow. 

HSBC is saying it has taken steps to fix it but I can not trust HSBC ; I think that the problem is systematic

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX locked my online access to my account because I had a negative checking account balance. The online account access was how I paid my credit card bill. During the time frame my account was locked I missed a payment on my credit card which is negatively affecting my credit. I called XXXX multiple times and they were n't able to take my payment over the phone without charging me a {$20.00} fee. I finally got on the phone with a manager who refunded my late charge on my credit card and restored my online access but the late payment is still showing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Trans union has closed my file before I am me and XXXX here we go again. They do n't need proof of anything they have it. here are my list of problems with them 1. CA state tax liens there are XXXX of them they keep verifying them they pad and released but that 's not the issues the problem is the dates the amounts and who they belong to. I want the method of verification I want to know who you speaking to and at what number you contacted them I want to see all paper that was included in that verification and just saying the court is not good enough because it does not meet FCRA standers.2. The being verified I am requesting method of verification such as filing dated dismissal date what was included in the BK address used in the filing and whom you spoke to and when you spoke to them and at what number so I am to talk to them in regards to your verification Well that brings me to the number 3 The federal tax liens you have it all wrong the dates the amount whom they belong to and that they are withdrawn given that again I am requesting method of verification it is my right and your duty to provide me with this information or remove it under the FCRA they also are reporting XXXX collection accounts from XXXX XXXX XXXX this company is being reporting illegally on my credit and this company has been reported to the HHSS. GOV because of hippia violations and they are now involved in that 4 they are also reporting XXXX and they agreed to be removed through this web site

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 04/17/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (PA).
Issue: Problems when you are unable to pay

Complaint: My mother had need of a vehicle but had insufficient income to make the initial purchase and I was brought on to cosign for the loan. Regrettably, my mother recently passed. After attending to the essential needs of the state, I voluntarily returned the vehicle. As a cosigner to the loan, I understand that this is my financial responsibility to pay the balance of the vehicle loan. 

However, I have a complaint with the collection agency that was hired to handle the account. When I received notice in the mail, I promptly contacted the agency. After feeling strong armed into a payment which undermined my financial stability, I offered to mail them a payment. They strongly discouraged this as account transfers were more efficient. I did n't feel comfortable with this but agreed in an effort to take responsibility for this. They then alerted me that they were going to take {$100.00} a month out of my account. I did not agree to this payment but they said that they were going to. At this point, I had to close my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
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 contacted BoA/XXXX in XXXX, 2017 to resolve an ongoing credit card dispute with XXXX XXXX in the amount of {$490.00}. ( services not provided ) XXXX XXXX continually over charged me for services they double charded me for. After several months with no satisfaction, BoA/XXXX contacted me by phone today and informed me that BoA could not help me and would not refund the charges. I informed BoA I would contact the CFPB and the Atty Gen. office to help resolve this dispute.

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 04-09-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been reading more on this website provided by cfpb and I am concerned by the fact that I have never been given the XXXX Tax form. Although this is not a federal loan it is a Private loan that was paid directly to the recognized eligible educational institution " XXXX XXXX the School '' in XXXX, Rhode Island ( year of 2006 ) where I have accrued XXXX worth of interest. This was a school to receive higher education. I have spoke to a few representatives ( throughout the years ) at Navient who have all told me I am not eligible ... But according to my reading here on cfpb, I am.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Debt collection (I do not know) with The CBE Group, Inc. (ID).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Th e CBE Group , Inc. c ontinuously is sending to my employee job emails on its attempt to collect a debt for someone other than me : Dear  XXXX   XXXX  ... I responded each time advised they got the wrong person and to stop sending emails to me and to my job. They continue to do so.

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 12-04-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have written 4 times along with police report and proof of ID Drivers License and State ID and My passport proving I was out of the country for 3 yrs. I have a few Incorrect address on my reports. and all was due to Fraud. also they credit reporting agency has refused to remove. they also has refused to remove over XXXX inquires in XXXX year! in the same month. It 's fraud. I also wrote the companies who made the inquire and they have refused to respond. even with the police report. 

The addresses is XXXX XXXX XXXX XXXX XXXX Il XXXX And XXXX XXXX XXXX XXXX XXXX Il XXXX Its even more on my other Reports. 
And the inquires as follow 1. XXXX XXXX via XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX 4.XXXX XXXX 5.XXXX XXXX XXXX 6.XXXX XXXX 7.XXXX XXXX XXXX 8.XXXX XXXX XXXX and XXXX 9.XXXX Bank Delaware 10.XXXX 11.XXXX 12.XXXX XXXX 13. XXXX XXXX XXXX 14.XXXX XXXX 15. XXXX 16XXXX XXXX 17.XXXX XXXX These Inquires was made all in one month, I contacted each company and credit burials also gave them copies of all my ID 's and they still refused to help XXXX, Equifax and XXXX. all let me down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I had fraud complain it was resolved in my favor when i went ot get refund balance on my account it was reversed Hi i have had fraud hit my XXXX XXXX credit card new card number is XXXX since XX/XX/XXXX i have been requesting a reffund check it was approved by fraud investigations dept to be mailed out and every time it was approvex the same dept disapproved it afterit being approved XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX on XX/XX/XXXX i was rebiled all fraud charges from almost a year after being promised that it was resolved in my favor over ten times. without notice no phone call the day before of the last request promised no shadow of doubt it was already mailed already mailed i w was rebilled and now am showing i owe a XXXX balance on my accunt and i was rebilled over 2000 dollars wiht no explanation and i had real fraud hit my account and i will not accept a reversal a year later because they did not want to give me my refund they said nothing for 7 months until i requested a refund.I was tldthe check was mailed and lost in the mail on XX/XX/XXXX by customer service but it seems nobody documents anything, i was told it was definetely mailed wait 15 days, now boom rebilled I will followup with the FTC and consumer finance i will not stop they are crooked and dont know wha tthey tell their customers nobody in thier dept are informed or trained either. The direct address to fraud analyst dept is XXXX XXXX XXXX, XXXX fl, XXXX, and phone XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX , amount {$1100.00}.  Capital one to removed this account off my credit report because i t 's past  7 years old ( c lose in  XXXX   XXXX  ).  Capital One  said they will not removed this account of my credit report because they ( ca pital one ) c lose this account in  XXXX / XXXX / XXXX . This is NOT right I close this in  XXXX . PLEASE REMOVED THIS ACCOUNT OFF MY CREDIT RE PORT (   XXXX   and   XXXX   )  Thanks For your Help

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Mortgage (Conventional fixed mortgage) with NEW YORK COMMUNITY BANK (GA).
Issue: Loan servicing, payments, escrow account

Complaint: New York Community Bank has our house mortgage. We sustained damage from hurricane XXXX and had to move out of the house. The insurance company required us to send the repair checks from them to the bank. This was to insure that the money was spent to fix the house. We finally signed a contract two weeks ago to start repairs, but the bank has been dragging their feet. We have sent everything they asked for- the contractor 's license, tax form, a copy of the estimate and contract. But, every time I ask them where the money is to get started they say they still need information that I 've already sent. I 've read where they do this to make interest on the repair money. We are in a rental house and may have to leave before the house is repaired. We 're at their mercy. We talk to them each day, but nothing gets done.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Debt collection (I do not know) with CCS Financial Services, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am disputing account number XXXXXXXX with XXXX XXXX XXXX for an amount of {$1900.00} because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted XXXX XXXX XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
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: On XX/XX/XXXX I submitted a complaint through cpfb because Experian refused to move a collection account in the amount of XXXX from XXXX XXXX that did not belong to me after I put in a dispute with all three credit bureaus, and the other two removed it  because it could not be verified, however Experian told me to work with the collection agency & the collection agency said I needed to contact Experian. The results came back on XX/XX/XXXX with Experian responding saying that wanted proof of my addresses from the last past two years, a copy of my Id & SSN card, I sent all that into Experian & I was informed they did n't receive it. And it was definitely sent to them.

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. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX/XXXX/XXXX I have been sending out letters with the credit laws asking for verification for months with no response to the situation and Equifax will not remove the unverified items.This letter was sent on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Data breach of 2017 for Equifax left millions of people in risk of identity theft. I was one of those consumers and I just wanted to create a trail of things in lieu of that. I am filing a complaint because Equifax negligently had their systems hacked and has leaked my information to the public.

Company response to consumer: Closed with explanation