milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have a XXXX XXXX XXXX. I misplaced the card, which was necessary to pay the bill earlier this year. I contacted XXXX XXXX to make a payment and request a card in XXXX XXXX. The card never came so I did the same thing in XXXX and then again in XXXX. In XXXX I made arrangements to have it auto pay. This did not happen. I found out by seeing a negative mark on my credit in XXXX XXXX. 

I contacted XXXX XXXX. They got me the card finally. I was able to log into my account and put it autopay. I contacted them and they agreed to have the 30 day late mark removed from my accoun, given the efforts I had to go through to resolve, what could have been a simple issue. XXXX XXXX did contact the credit unions. I think XXXX  was the reporting credit union. 

XXXX refused to remove the 30 day late mark. I requested an investigation. They are saying it is compliance with FCRA, despite both XXXX XXXX and I disputing this reporting. 

The other credit unions also refuse to remove this item.

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 09-09-2016 about Bank account or service (Other bank product/service) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Making/receiving payments, sending money

Complaint: I took a loan against my 401 ( k ) for the purchase of my home. I made a principal reduction payment, using the bank 's specific form, having selected the " principal reduction '' box. My sizable ( to me ) check was cashed on XXXX/XXXX/16 and as of XXXX/XXXX/16 the payment still has not been credited to my loan. 
When I called to inquire, I was told that it would n't be until XX/XX/XXXX before I heard back. ( That 's a week at minimum of the money not earning interest in my own bank account and not detracting from interest on my loan. ) I was also told that there were a number of different avenues to resolution, including the possibility of having the payment applied to the principal. I then asked the phone rep to check my XXXX/XXXX/16 payment, which had not been applied to the principal, rather it was applied as " pre-payments '' ( another option on the bank 's form ). I 'd previously assumed I 'd just checked the incorrect box, but due to the mis-handling of my current payment I believe the bank mis-appropriated that check also. 
I 've had numerous issues with this servicer that date back to the " how to '' call I made before making the decision to take this loan - I was mis-informed about how to make payments, full loan terms were not disclosed and not found on servicer 's website or in the loan docs. Now I can add what equates to grand theft to the list. 
I was told that my payment was sitting on a desk with a note on it that said " unprocessed. '' No, my check was absolutely processed, money processed right out of my own interest-bearing account to my 401 ( k ) servicer 's account. They likely have cost me additional interest since my XXXX/XXXX/16 payment as well.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Bank account or service (Checking account) with U.S. BANCORP (OR).
Issue: Account opening, closing, or management

Complaint: After 70 years as a business checking customer US Bank closed our account without notice. We operate a small, family run XXXX in XXXX, Oregon. In XXXX, the branch manager informed us that the bank had misplaced our signature cards and they required a new one in order to keep our account in good standing. In reviewing our account, it came to the attention of the bank that we had an ATM on site. US Bank had inquired about ATM activity and asked that we make withdrawals daily when for the last 30+ years we 've been making deposits and withdrawals weekly. It is worth pointing out that our ATM does n't allow deposits. US Bank 's XXXX staff asked us to make cash withdrawals daily instead of weekly. We argued that daily withdrawals do n't fit into our workflow and that we are a low money laundering risk. Upon request, we provided a list of vendors along with a .pdf of our reconciliation paperwork on XXXX XXXX, 2015. In mid XXXX we resubmitted the signature card to the branch, at which time the branch manager informed us that a letter may be sent informing us of our account closure, but to disregard it now that we had everything submitted. The branch manager thought the documentation provided was very clear and precisely what the bank required. On XXXX XXXX, we went and did our deposit and our online bill pay, like normal. On XXXX XXXX, when going in for a change order, we discovered that our payroll account had already been closed and that our other XXXX account were in the process of being closed. US Bank 's XXXX team could not understand the .pdf and neglected to ask for any additional elaboration or clarification. They asked for a spreadsheet which we provided on XXXX XXXX. On XXXX XXXX, we received a check for each of our closed accounts. The branch manager was embarrassed by the actions of his XXXX team and apologized to us. He said he could n't believe this was happening and could n't believe he was suggesting we find another bank. On XXXX XXXX, we established a relationship with XXXX Bank and are now using them as our bank. The actions of US Bank were without warning or merit and were clearly unfair. This feels like a violation of the UDAAP standards. We are a family run business that has a strong history of support in our community. We had bills in transit, were assured that the online bill pay checks were not going to be issued ( but they were issued ), and ended up bouncing several checks since our account was closed without notice or warning. We also have payroll checks that are likely to bounce. We had to reach out to our vendors and employees to explain the situation to them. This is not only embarrassing but it 's a significant reputational risk to our business. We still do n't know the basis of US Bank 's XXXX decision. This is incredibly frustrating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Debt collection (Credit card) with Global Recovery Group (VT).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Has contacted myself and has left threatening messages. Has also contacted family members and have left the same threatening messages with them.

Company response to consumer: Untimely response
Consumer complaint received 05-10-2016 about Credit card () with SYNCHRONY FINANCIAL (NE).
Issue: Payoff process

Complaint: I am following up on CGPB Case XXXX. I received a letter from Synchrony Bank in XX/XX/XXXX stating a resolution to the outstanding complaint and at the same time, received their updated billing statement which does not match the commitment made on the letter. Please see the attached.

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 02-08-2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (NJ).
Issue: Managing the loan or lease

Complaint: This company has call my cell phone and house every hour for long period of times. Sometimes the calls comes in every 1/2 hour or even a few minutes apart, all day long. I had paid this company and I am current at point. However, they are trying to throw out more fees and make me make more payments then I should. The customer service people are rude and nasty. They are mad with me because I will not give them any more bank information and provide them any more bank authorization to my account. However, I been making payments automatic with my bank account. This company has taken money from my account monthly and it is on my statement. They charge me late fees and other fees, that I can not understand when they been taking money all this time from me. When I do call them, they will claim they did not receive the payment and I tell them I have my statement in front of me. That clearly states they took money from me. After they harass me over the phone, become very rude and nasty, and I state I will file complaint because I have proof. Suddenly now they located my payment. However, the next day my payment is not there. 

They call my grandmother harassing her, asking her where I am at, my location, my number, etc. Demanding they tell her and scare her. They did not want to hang up with her. They gave her a number for me to call. However, they refuse to hang up. She stated I am not giving you any information about my grandson and hung up. She did provide the number that call her and stated why they was looking for me. 

They had call my family members about my account, and harass them. They call each one of my family members cell phones, including my little sister who is under XXXX. Telling 3rd parties I owe them money. Sometimes they will call my home way after XXXX eastern time. They are trying to get more money out of me then what I owe. They call from many different numbers and different people call from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are a couple of things I am complaining about Capital One Bank USA. Please see attached screenshot of my credit reports from the three major credit repositories. Highlighted are pieces of incorrect and inaccurate information resulted from this company 's negligence and none compliance with the Fair Credit Reporting Acting, causing me financially and at some point, stealing my right to acquire loans or acquire loans at a much affordable rate. The following are this company 's violations : 1. On XXXX or XXXX XXXX, I paid off this account, bringing the balance down to {$12.00}. Upon downloading my credit reports last XXXX XXXX and today, XXXX XXXX, I found out that this company is reporting me with a balance of {$1800.00}. This tells my future creditors that I am ineligible for a loan or I could get a loan at a ridiculously high rate! This account ref # XXXX shows incorrect balance which cost and is costing me financially. Also, by reporting this incorrect information, they are sending me my creditors a message ... that I owe them {$1800.00}. 
2. On that note, this company also is reporting me past due for {$320.00}. I 've got and been getting the same results/response from other creditors that I am not qualified for a loan because of this. I do not owe them this amount. 
3. They are reporting incorrect last payment date. On my credit report, they are saying that the last I paid them was last XXXX XXXX, The last time they updated the item was " XXXX XXXX, XXXX ''. Clearly, this is a proof that FCRA has been violated. 
4. Due to the incorrect balance reported, my credit has been ruined! On my credit report, it shows am about 185 % of my usage for this account.

5. The account opened date and closing date is incorrect and is not the same with the other bureaus. This is another violation of FCRA. 

Also attached to this complaint is a copy of the SC-100 form I filled up and ready to file if this item will not be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit card () with U.S. BANCORP (MO).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have submitted documentation multiple times to US Bank issued XXXX XXXX Visa regarding a legal name change for my protection from a XXXX and identity theft issue. Documentation has included a copy of the court document, drivers license, and social security card. XXXX Visa has refused to process the documentation multiple times, and in doing so places me at risk of being discovered by my XXXX. I have offered to go to a local US Bank branch to provide the documentation but HD Visa refuses to work with US Bank even though they issue the credit card. Every time I send in documentation, they force me to wait 20 days to " review '' the documentation, and then reject it anyways. I am at the point that I have a meeting with an attorney to see how to continue to resolve this matter.

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 05-03-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am a   XXXX   XXXX   XXXX   on the income based repayment plan serviced by  FedLoan. Whe n I had previous companies service my loan, such as  XXXX , I received MANY reminders that my income based repayment plan was expiring, and that I needed to re-certify. W ith FedLoan , I received  XXXX  emai l (   XXXX   XXXX   )  and   XXXX   message to my electronic inbox  (   XXXX   XXXX   ). My  repayment plan did not expire until  XXXX . I filled out the application in  XXXX , two months before my repayment expired, and it has not yet been approved. Therefore, I was billed the full amount for  XXXX . When I called and talked to the customer service representative, they said they are " behind '' and it could take up to two months to process. In the meantime, I had to declare forbearance because I am not able to make the full amounts. If I pay what I can, it does not count towards my public service forgiveness. This situation puts me behind on my loan forgiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am enrolled in Public Service Loan Forgiveness and as a result have FedLoan Servicing as my servicer. I have continual problems with them as my servicer. I recently got married and changed jobs per my contract I submitted new information for my Income Driven Repayment. When I did so I got a message saying this had been approved on XX/XX/2018. Then on XX/XX/2018 I received a message saying my IDR request was denied because it was too early for my annual re-certification. At the time I was traveling so on the morning for XX/XX/2018 I called as was told that the rejection message was automatic and did not apply to me since I had a change in status. The representative reported to me that my new IDR repayment would begin on XX/XX/2018 ( this is what I expected ). I logged into my account that night to see that a forbearance period had been applied to my account for XXXX. I never requested this. I was fully expecting to make my payment for XXXX. I called the evening on XX/XX/2018 and spoke to someone who reported that yes, this had been applied and that I would need to speak to a counselor to have this resolved. I was transferred and then was on hold until they closed at 9pm. I called back today XX/XX/XXXX and a counselor removed the forbearance but let me know that it would take XXXX business days. I asked about my XX/XX/XXXX payment and they reported that I should log back in on the XXXX and if it didn't go through to call again. I was on hold for 20 minutes before being able to speak with someone this evening. 

The poor service I receive from the U.S. Department of Education is not acceptable. My interest accrues daily. Each day I wait for them to resolve an issue costs me {$30.00} in interest. It is so concerning to me that a forbearance was applied to my account without my knowledge- especially given how quickly interest capitalized on my account. Missing one monthly payment that I was fully prepared to make will cost my thousands over my repayment period. It is also unacceptable to have to continually call back- and very difficult to do so since I work two jobs in order to repay these very loans.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I returned my  XXXX  lease in  XXXX   XXXX  and was told by the dealership,  XXXX   XXXX   XXXX  of  XXXX   XXXX , that the disposition fee would be waived because my grand daughter was leasing a car from their dealership in the same transaction.     I received  a bill two weeks after (   XXXX   XXXX  ) leasing the car to pay the disposition fee. I called  XXXX   XXXX  as well as  XXXX   XXXX   XXXX  to dispute this charge and was told by the customer service rep that the fee would be waived. I did not receive another bill, phone call, or other contact from  XXXX  again.     In  XXXX   XXXX  I received a letter from a collections agency that I owed the disposition fee amount. I promptly contacted  XXXX   XXXX  and explained the situation to them. I specifically told them to review their recorded phone call line to confirm that I was told the fee would be waived. The rep said he would and he would have a supervisor call me back. I was never called back.     I have called  XXXX   XXXX  to resolve this account on :  XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX  I never received any response back as I was told I would.The collections agency collecting on behalf of  XXXX   XXXX  is unwilling to check with  XXXX  for the recorded phone call in which I am told the disposition fee would be waived.     Based on the fact that I did not receive a bill from  XXXX  between  XXXX   XXXX   XXXX , and that  XXXX   XXXX  is unwilling to review the recorded line, I strongly believe their billing and collections practices are unethical, illegal, and overall shady. To tell a customer their fee is going to be waived and to never contact them again until sending their account to a collections agency an entire year later points to more concerning issues regarding possible fraud, exploitation, deliberate deceit, and extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Westlake Services, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filed a Dispute on XX/XX/18 with XXXX for inaccurate information showing on my credit report ( dispute report # XXXX ) from West Lake Financial for a Auto loan on a XXXX XXXX XXXX. 

West Lake place a delinquency on my credit report but confirmed in the dispute report ( see attached ) to XXXX  that the account was always in good standing from inception to close but for some reason I don't know why XXXX will not remove the Delinquency from my report. 

I called West Lake and got a copy of my statement ( see attached ) showing account being paid off and not EVER being late. 

This is so unfair and not rewarding to someone like myself who prioritize bills and make sure they are NEVER late.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (AE).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Reporting debt owed with a new open date when in fact the Debt is owed is from 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (WY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have always make my payments on time ... I have never missed a paymen. However, I had my bank of america in XXXX and some how I got charge for something while I was on military training without internet. It was around 30 dollars. When I got back I made the payment but the company told me that theywere not able to do anything about the report. I had no internet during my training so I was not able to receive notifications

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 11-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: ACCT # : XXXX ORIGINAL CREDITOR : XXXX ACCOUNT STOPPED BY ERC AND SOLD TO XXXX. ACCOUNT HAS SINCE BEEN PAID OFF IN FULL BUT ERC HAS NOT REPORTED AN UPDATE TO CREDIT BUREAUS SINCE XXXX OF 2015. ATTEMPTED TO CONTACT THEM USING ALL PUBLICLY AVAILABLE CONTACT INFORMATION TO NO AVAIL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief