milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-05-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: My tenant paid us the rent ( {$2400.00} ) at the counter of a branch of Bank of America on XXXX/XXXX/2016 and she withdrew {$1300.00} at the same time. Instead of withdrawing from her own account, the bank withdrew money from my account. Is it ridiculous? I texted her and she said it 's bank 's mistake. The bank will correct the mistake. However, Bank of America did not take any actions. It turned out my tenant 's husband went to another branch to deposit back {$1300.00} on XXXX/XXXX/2016. The bank never notified or apologized to us any alert for this unauthorized transaction. We found out by checking our account activities by ourselves. I went to the branch on XXXX/XXXX/2016 near my home to bring up the issue. They called that branch and the branch manager said she was busy and will do the research and get back to me. But she never responded. I am very upset that people can withdraw money from my account without my consent. In addition, BOA had very horrible attitude. They NEVER followed up on this serious mistake. It 's an unauthorized 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 explanation
Consumer complaint received 08/17/2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I co-sign for a private loan J P Morgan chase bank education -finance for my son back on XX/XX/XXXX. My son can not repay is loan since back because of is financial situation.I been making payments along with my husband never missing a payment.Since that time we have filed for bankruptcy and both become disabled.Sill as of XX/XX/XXXX we are not behind or missed a payment. My problem with the lender i have contacted them explaining the situation and asked the them to work with me. They only agreed to a forbearance well that just tact 's on additional interest. I asked for a lower interest rate i was denied i asked for any ideas they may have none. Please look into this matter on my behalf and my sons Thank you Please contact for further information. I have submitted documentation on my XXXX if need be my husband can be submitted too.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: there are XXXX debt that are not inmy name that are reporting on my credit. im trying to buy a home wiithin the next 30 days this should not be on my account in im reaching out for help to have it removed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-09-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MO).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I purchased the item with credit card. After I returned the item I still didn’t receive my refund. It’s being over a month.

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 03-04-2016 about Payday loan () with Big Picture Loans, LLC (FL).
Issue: Charged fees or interest I didn't expect

Complaint: I borrowed {$800.00}. The oral commitment over the phone was that I payback the original {$800.00} with a {$200.00} fee. Yes- Highway robbery but at the time I was desperate. They were supposed to take the money out each XXXX of the month. They started taking the money out when they felt like it and causing NSF fees at the bank. I called them many times and asked them to just take the money out as we originally set up. They would not. So I asked if I could just pay the remainder back in one lump sum ( at that point it was {$600.00} ). I had already paid them back $ XXXX I owed them {$400.00} and the {$200.00} fee-they would not accept it. They insisted I payback 36 consecutive payments totaling over {$7200.00}. 
I had to close my back account because I could n't reason with them. 
Now they are calling my work, home and cell non-stop all day and night. Again I have offered to pay back the original loan with the interest {$600.00} but they claim they wo n't take less than {$1200.00}. 
I wish I never ever borrowed money from them and I have learned a very hard lesson. This is an absolutely scam. I am a good person I just was desperate at the time. Please please help. 
Sincerely, XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 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: I have sent a letter asking Equifax to verify the negative items items on the list on XX/XX/2017, and it has past the 30 days deadline to response and need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Mortgage (Conventional home mortgage) with loanDepot.com, LLC (TX).
Issue: Trouble during payment process

Complaint: I was affected by XXXX XXXX on XX/XX/XXXX. When I attempted to file a flood claim on XX/XX/XXXX I  was informed that loan depot mortgage company failed to make a premium payment so my flood insurance was canceled. Loan depot said they did n't make the payment because XXXX did n't submit the proper paperwork and XXXX had the wrong loan account number on their documents..they both say it 's not their fault and neither want to take responsibility for our lapse in coverage. We need help! XXXX is contracted through XXXX. Our premium is paid through escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing statement

Complaint: On XXXX XXXX, 2016, I went into a Macy 's store to pay a bill. I provided a {$300.00} check, which my bank honored on XXXX XXXX, XXXX to my dismay, my payment was credited to the account of another Macy 's customer. After receiving my monthly statement and realizing that my payment was not applied to my account, I faxed to Macy 's a copy of my check, with my account number, and the receipt that showed that the payment was mis-applied. In addition, Macy 's charged my account a late fee of {$27.00} on XXXX XXXX, 2016. I have contacted Macy 's on 2 separate occasions asking that they correct my account to no avail. I have also asked that any negative information reported to crdeit rating agencies be similarly corrected. Please help, as their customer service is horrible.

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 09-04-2017 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I got a little behind on bill. Just bought a house with my wife, and are dealing with credit card debt. Will be paying in the next week.

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 12/23/2017 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 is missing that should be on the report

Complaint: Hello. I have been looking at my credit report and it has been wrong for some time now. I had some very important dealings recently, that required inspection of the report and almost did not meet criteria as a result of non reporting. I contacted my bank / credit card companies and they say they are reporting. I can not ever get in contact with Experian by phone. I can not wait more than an hour to speak to someone.. That being said, I found an old correspondence email and used it to mail them. I received no response. My total credit limit from my old visa has doubled. I have a newer credit card that is also not reporting. It too carries a high limit. None of this is being reported and my score is just remaining the same. There are stipulations for everyone in society regarding credit and lack thereof. Yet the overseers of this system do not appear to be doing their jobs. As a result, people are being denied what they deserve, life is being put on hold etc. This does n't make sense.

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 05/30/2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (GA).
Issue: Trouble during payment process

Complaint: I accidentally made double payments on the tax ( once from the escrow and once by myself personally ). The county sent back one of the payments to the Mortgage company ( XXXX. The Mortgage Company had transferred my account to another Mortgage Company ( Freedom Mortgage ). XXXX sent the money to Freedom Mortgage. Freedom Mortgage has received this amount ( They have the XXXX Tracking number and the package has been received by them ).
I have requested them to send this money back to me. They have asked me to obtain Proof of Payment from XXXX etc. Despite many attempts to coordinate this effort between the two companies, I have not received my money.

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 01/30/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX, my wife wire transferred {$45000.00} to my Coinbase account. On XX/XX/XXXX, Coinbase sent the following email to me to claim to send my money back : " You recently sent a wire to fund your Coinbase or XXXX account for {$45000.00} USD. Unfortunately, we are not able to apply this wire to your account due to a name mismatch and will be returning this wire back to your bank. Please allow us 7 business days for processing. 

To prevent wire returns in the future, please ensure wire deposits are sent from a bank account that matches the legal name of your Coinbase or XXXX account. For more information, visit the Bank Wire Deposit section of our payment support page. 

If haven't received your funds after 7 business days, please email XXXX for assistance. '' However, the fund has not been back to my wife 's account after 21 days. I have sent multiple emails to Coinbase 's customer service but did not get any response.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Upon review of my annual credit report, I noticed incorrect information on my reports from both XXXX and Equifax. It was a collections account for a place called XXXX, a business which I had never been to, or contracted for services with. My initial dispute with both companies was on XX/XX/2016. XXXX deleted the incorrect information right away, but Equifax said that it was my debt, and did not delete it. I sent a XXXX dispute letter to Equifax on XX/XX/2016, explaining that their initial decision was incorrect, and asking them to provide me with the method of verification used to justify their decision, and also to provide me with a copy of the verifiable original contract for services with XXXX XXXX of XXXX with my signature on it. Equifax has failed to produce a copy of a contract for XXXX XXXX of XXXX with my signature on it, so according to the FCRA Section 611, this information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: cra violation more than 30days must remove inaccurate stuff that are not mine sent them every thing they need

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Using a debit or ATM card

Complaint: On Saturday   XXXX   XXXX   I used my debit card at a   XXXX   ATM machine and also mad a gas purchase and food purchase as well. This was the last time I seen my wallet and cards in my physical, I didnt realize until sunday night that I did not have my credentials and check my online banking and realized some fraud charges were made to the account that I did n't authorize. I file my claim with citizens bank and from the jumb they made me feel guilty because they said the account was a fairly new account, and now because of this i feel like im not getting proper results and customer service. I spoken to about  XXXX  different ppl and they have all told me different things, then I was informed when I went into the bank today that they have dismissed my claim. I know have  XXXX  different claims numbers because I reopened the claim ... ... ... I spoke with a lady named  XXXX  who is a a lead supervisor over a debit card claims debt, she has been very agressive and unprofessional to me, if you do your research and hear all the calls I have placed with citizens bank because they are all recorded these ppl are mean and rude, and really made me feel bad about having a new account with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit card () with WELLS FARGO & COMPANY (MN).
Issue: Transaction issue

Complaint: Wells Fargo denied my claim to dispute a charge of {$15000.00} to a company named XXXX. The reason for their denial was that the company furnished a contract and claimed they rendered service. This company is a scam, selling online business and a coaching program. They flat out lied to me about everything. They sold me an online business that they said would be profitable making $ XXXX in months and $ XXXX a year $ XXXX in 3 years. Not only did I not make a penny, they never provided anything more than a 5 minute phone call every week and a non-functional website. They are getting away with scamming unsuspecting consumers and my bank is helping them. Is it Wells Fargo 's right to take the companies word over their customers? To decipher a contract and decide what was and was not done. When you research this company there are dozens of complaints similar to mine. Furthermore they sold my name to about a dozen other cons.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I 'm writing in pursuit of my owed money from my private loans. I have consiladated twice and my payments exceed well over XXXX $ month. I have joined XXXX and XXXX for 5 years and have received no discount or lower payments because of my civil service. I was told I was ineligible.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I issued a certified letter to Experian on XX/XX/2018 disputing a bankruptcy that is incorrect on my credit report. Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. I have received no response in regards to 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 02-05-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Portfolio Recovery sued me for a debt I do not owe in XXXX County Texas per case number XXXX. They had no verification to support the lawsuit other than a computer printout with my name and an address I have not lived at in many years, an incomplete account number and many pages of generic documents that did not apply to the case at all. Prior to court, I requested a verification of debt and they sent the same printout. They did not verify anything with the original creditor. They voluntarily dropped the suit on XXXX XXXX, 2015 but it remains on my credit report still. This issue has been on my credit report for years and has caused me to incurr high interest rates on many occasions. The least they could have done is to stop reporting a debt that is not valid to credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/15/2018 about Debt collection (Credit card debt) with HCFS Health Care Financial Services, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: My complaint is about ARS- Account Resolution, XXXX, amount {$800.00} they are reporting two different debts with two different dates that has not been validated. I never received validation on this debt, not verification. This was actually removed off my Credit. Report last year and placed back own my credit report which is illegal. I will be contacting the FDCPA is this is not removed from my credit report. It was proven that they could not validate the date and was removed.

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 11-11-2015 about Debt collection (I do not know) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I DO N'T KNOW ABOUT THIS DEBT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (AR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Have not recieved valid verification that this is my debt. I disputed this 2 months ago. This is not my 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 05/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (FL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: On Friday  XXXX   XXXX    XXXX   I received a call from my   XXXX     XXXX   XXXX  credit card saying that someone had called in and changed my address on my acct and ordered a new card to an address in  XXXX . They put a block on the acct. I decided to check my other cards. Walmart, target and my amazon store card had all been changed to the same  XXXX  address and new cards requested. They all stated the caller knew all my info. Okay lets get to walmart. The rep stated that yes someone had called and changed it and ordered a new card and that she will cancel that card, change my address back and send me a new card. We verified the new card would be sent to my address NOT  XXXX  AND I added a passcode to my acct in  XXXX  that person called to change my info.     On Tuesday  XXXX   XXXX ,   XXXX   I decided to double check my  XXXX  acct. Not only had the card that was being sent to the  XXXX  address not canceled they also changed my address back to  XXXX  and they were charging hundreds of dollars as I was refreshing the screen. They claimed they have canceled the new card and now sending me yet another one so I am still waiting on that. I am very upset that this was allowed to happen twice. If the rep I spoke to on Friday would have done her job the thief could not have charged to my new card. Luckily they say I am not liable but the fact still remains they were careless with the security of my acct. I check my amazon store card and the same thing happened. The person called in on sunday  XXXX   XXXX  and changed my info again and got a new card sent even though on Friday the rep at amazon claimed that they had changed everything back and they were sending me a new card. I also added a passcode that day. SO how has this happened? Some one needs to be accountable!

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CO).
Issue: Taking out the loan or lease

Complaint: I recently applied for an unsecured personal loan for the purpose of paying off revolving debt and lowering the interest rate on an outstanding personal loan. I did the application online and was approved based on the information provided as well as information obtained from my credit report with an unsecured loan amount {$12000.00}. Once I got in touch with someone at the local level I was offered a secured loan of {$31000.00} against my XX/XX/2015 XXXX which on the resale market is only worth {$8000.00}. I did get an approval for an {$11000.00} unsecured loan, but after further review on my end I restructured the payoffs to put myself at a better financial advantage in the long term. However, after I restructured I was told that the unsecured loan with the better savings was not an option. During this process I referred a co-worker to the same company who was told that they do NOT do unsecured loans for more than {$7000.00}. There is something going on with this company. The amount of back and forth and miss-information that I was given is unacceptable. I myself am in the lending industry and know there are rules and company policies. But when I restructure a loan on my own with the same dollar amount that I was given originally and all I 'm changing is the payoffs with a higher monthly savings by more than {$100.00} and the underwriter says no that 's too risky, makes me feel like their intention is to make me default on my loan. All I did was change payoffs, that 's all.

Company response to consumer: Closed with explanation