milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/29/2015 about Bank account or service (Checking account) with KEYCORP (UT).
Issue: Account opening, closing, or management

Complaint: I signed up for a keybank easy checking account for a {$250.00} promotion. The promotion details indicated use direct deposit for {$500.00} or more within XXXX days to get the {$250.00}. I called once I had completed the required {$500.00} and was told yes i have met my qualification and would get the {$250.00} within the next few months. 
I emailed yesterday inquiring about how long it is taking to get my {$250.00} to ensure it is still on its way and was told I did n't meet the promo criteria because it is a single direct deposit for {$500.00}, not direct deposits combined to equal {$500.00}. I called to advise this is deceptive and has now caused harm in my inability to do a single deposit for {$500.00} to meet the qualification as the window of time has past. The representative told me that I did qualify when I spoke with her today, but when i pushed for clarification she did confirm it needed to be XXXX transaction of {$500.00} or more. XXXX I have called and been told yes i qualify, but finding today I actually do not. This is deceptive and unfair as now I am not able to fulfill the terms, due to misinformation provided by key bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-11-2015 about Debt collection (I do not know) with ECMC Group, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from this company claiming that I owe them money and to my knowledge this company has never provided services to me or for me and I 've never entered into a contractual agreement to pay them for anything

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: TransunionFile # XXXXDate XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX is not an address is a office address and is not my address nor have I ever rented lease or own at this address. Error of bad address that's by Transunion.

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 12/19/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XX/XX/XXXX I had 2 cash deposits of {$100.00} into my account on the same day, at 2 different banks and during different times. On XX/XX/XXXX I recieved a letter stating the monies was put in twice by error, which was not the cause. So they took the {$100.00} out of my account which overdrew my account. I tried for the entire month of XX/XX/XXXX & half of XX/XX/XXXX trying to get reimbursed my {$100.00}. As of this day XX/XX/XXXX I only received the 2 overdraft fees of {$35.00} & the maintenance fee of {$8.00}. They refuse to reimburse my {$100.00} that is owed to me. I offered to text a copy of the deposit receipt to them, but they declined the offer.

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 02-02-2017 about Debt collection (Credit card) with CITIBANK, N.A. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/2016 I made a purchase on my Macy 's store card. Within the next two billing periods, I paid off the balance, and did not use the card again. I rarely used the card in general, therefore did n't have need to constantly check the website. In XXXX I began receiving increasingly more phone calls about an uncollected debt. After calling Macy 's Credit and informing them that I paid off the balance, they informed me that somehow a small charge of interest was made to the account that then began accruing late fees. They told me that they would take care of the fees, and agreed that I had paid off the balance, and the account would be back to XXXX. Fast forward to XXXX, and the exact situation occurred, where an interest charge was added to an account balance of XXXX, and late fees had accrued on it again. I explained the situation all over again, and they reached the same conclusion. The error was on their part, and they would reverse the fees, and this time, I closed my Macy 's account completely. I had them send me letters of confirmation of account closure as well as to the credit bureaus to inform them of the error Macy 's Credit had been making to my credit. Now again in XXXX, I received more harrassing calls saying that my account was past due and I owed more than {$150.00}. In reviewing the statements, I see that the exact same situation has happened again, and Macy 's has continued to blatantly disregard my credit and time. The most recent offense shows that they did not in fact remove all of the late fees in XXXX when they said they did, and the amount that was left on the account accrued late fees again, which led to more harassing calls on an account that is now closed, and had promised to me to have been resolved. I keep having to call their customer representatives for them to just tell me that they see exactly what I have been saying all along, that the balance was paid off long ago. This vile attempt to collect fees, and harassing me continuously is unjustified, and horribly apparent that this scam that they are perpetrating to collect more money than ever spent in their stores is grossly wrong. I am so tired of having to deal with this, and were it not for my diligence in the matter, I know they would continue to try and bully me into paying them more undeserved 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 monetary relief
Consumer complaint received 05-11-2016 about Debt collection (I do not know) with Trident Asset Management, L.L.C. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Trident Asset Mngmt to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a dispute with Transunion on XXXX and uploaded documentation -- including a letter from the IRS showing that a {$3600.00} lien was WITHDRAWN and should be REMOVED from my report altogether. On XXXX I received the results of their supposed investigation and discovered that TransUnion had failed to remove the lien and other negative items that I disputed. I 'm trying to buy a house and Transunion 's failure to investigate is causing me financial harm and distress. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received a call from American Express about XXXX XXXX 2016. The agent asked me if I had applied for a credit card. Turned out American Express on XXXX XXXX had issued a card in my name to an unknown ( to me ) individual in XXXX. The person had already expended {$2000.00}. I also checked my XXXX XXXX Account and noticed a credit card had been issued to someone other than myself. It had not yet been activated so was cancelled. Again, I had not been contacted regarding the address different than the one on record at the bank. 
Obviously my personal information has been stolen and I am taking necessary identity theft procedures. My main issue American Express and XXXX XXXX is the fact that they issued cards to an unknown in my name at a XXXX address when all my address and all my contact info is in XXXX without contacting me. The American Express person could not answer the question but told me the card would be cancelled and credit agencies would be alerted regarding my credit. I have filed police reports and complaint to FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: A representative of Municipal Services Bureau called me saying that I owed $ 1,000+ for unpaid traffic tickets and that a warrant had been issued for my arrest. When I explained that I have no unpaid traffic tickets and that in fact had not received a ticket in 8 yrs ( which had been paid off ), I was told that I still owed them money unless I provided proof of having paid off the ticket. At this point I terminated the conversation. 

Upon checking for outstanding warrants under my name on the internet, I found that there were none. I can only guess that the representatives are told to say this in effort to extort money from people. I have a feeling that what they are doing is illegal but I am not positive.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problems caused by my funds being low

Complaint: This is in regards to a past complaint I had with Chase bank. Case # XXXX. I have made a dispute regarding the money they refunded and will accept the {$100.00} as a courtesy, but it still does n't justify the remaining {$700.00} something dollars that was overdrawn on my account. Most of the time is was because of the time factors with my payroll check going in 1 hour prior to their allotted deposit time. In that situation I ca n't control. I literally work pay check to paycheck and for any unnecessary means that come out of my bank account upset my budget and most of the times by bills come thought and I do n't have enough money after the " fees '' to cover them. They say " we can only refund back so much '' so what they can live off of low income families with all these fees?

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On approximately XXXX XXXX, 2015 I mailed in a payment of {$120.00} to Afni Inc for collection account XXXX. In my envelope I included with my payment, a letter stating the following : '' Dear Afni : I 've included a payment of {$120.00} for the above mentioned account. By accepting and cashing said payment, you agree to delete your listing/tradeline regarding the above mentioned account from my credit report and you will notify the credit bureaus accordingly. 

If you do not agree to delete your listing/tradeline regarding the above mentioned account from my credit report, please send this check back to me at the address found above. 
Regards, XXXX XXXX '' In addition to the information above, I wrote on said check on the memo line : " By cashing this check you agree to the deletion of acct # XXXX " On XXXX XXXX, 2015, Afni Inc deposited my check into their bank account thereby agreeing to the terms of the letter as well as the terms written on the check submitted. 

On XXXX XXXX, 2015 I called into Afni after seeing in my bank account that my check had been cashed, to confirm deletion of the account on my credit reports. The customer service agent was not able to help me at the time and no supervisor was available to discuss the matter with me directly so, I left a VM for return call. I had received no call back so I called again on XXXX XXXX, 2015. Again the agent on the line could n't help me and no supervisor available to discuss so, I leave another VM for return call. On XXXX XXXX, 2015, I place another call into Afni Inc since no return call and I find that they have released a payment back to me and my account is now showing not paid. This is certainly not the case since I have a copy of my cashed check from my banking institution showing the withdraw of funds from my bank account from Afni Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit card () with BARCLAYS BANK DELAWARE (PA).
Issue: Closing/Cancelling account

Complaint: On  XXXX   XXXX ,  XXXX , I opened a Mastercard  XXXX   XXXX  account. The holding bank was : BARCLAYS BANK  XXXX   XXXX   XXXX , DE --  XXXX  I closed the account in late  XXXX . I had n't received the card, and was n't using it. The representative I called agreed that my account would be closed. I paid off the final fee. A year later, I was sent a bill for my new annual fee, even though I had asked to cancel the card. On  XXXX   XXXX ,  XXXX , I again called the service center associated with the card. I was told the fee would be waived and my card would be canceled. Instead, Mastercard kept on billing me, loading my credit report with a late payment. I 'm told I now owe {$130.00}, and I was denied today in applying for a new credit card because of the impact on my credit report. I would like the {$130.00} to be waived, and the association with Mastercard and Barclays erased from my credit report. Best regards,  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 monetary relief
Consumer complaint received 11/28/2017 about Student loan (Federal student loan servicing) with F.H. Cann & Associates, Inc. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I received a letter from F. H. Conn & Associates informing me my student loan was in default and that I must repay them a balance of over {$60000.00}. I have never had any student loans. I informed F.H. Conn that I had no student loans, and after sever letters and months i received a copy of a XXXX XXXX XXXX XXXX XXXX and Promissory Note. The form they sent was hand written and full of errors. I explained to the representatives that I had never seen, nor signed the XXXX XXXX XXXX XXXX XXXX and Promissory Note they sent to me. There are several errors, it is hand written by someone other than me and with my alleged signature, something I would not do. It does not identify who filled out the form, and there is no witness or approval signature. The form has a date stamp of XXXX XXXX, XXXX across the top but the form notes its expiration date as XXXX/XXXX/XXXX. There are several other errors including using my Social Security # as my Drivers License #. I asked for a review of this loan, but have been threatened with wage and tax garnishment and seizure of my property to pay this loan. I have never had a loan. This is an error or a fake. I am not sure what good filing a complaint here will do but I do n't have a lot of other options. Thank you for any assistance you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: I would like to file a complaint regarding the fact that Equifax, a company that uses my personal information without my direct permission and then allowed it to be compromised through their lax security measures, has now charged me a fee to take the step of protecting myself and freezing my own credit with their bureau. The fact that they are profiting off their own data breach is outrageous. 

I froze my credit on XXXX XXXX, XXXX and paid {$10.00} via credit card. I would like to receive a full reimbursement for the cost of this credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Checking or savings account (Checking account) with FIRSTBANK (CO).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Companies Involved : FirstBank of Colorado XXXX XXXX I am writing you in regards to the XXXX Account Updater program. Now my card was compromised a week back and my bank issued me a new card. I had the card in the mail along with a letter from my bank informing me to update important account information. Now I checked my bank statement the other day and saw that XXXX charged my account for about {$10.00}. I specifically know in my mind that I did not give out my new card to XXXX. I called my bank and explained the issue and they informed me that it is an automatic payment that updates my accounts. I did not authorize my new card number to be charged but it was anyway. My problem is not the amount but the fact that XXXX got my private card information from my bank. I am writing to you on Tuesday XXXX XXXX, 2017 as I just got off the phone with my bank FirstBank of Colorado. I asked for them to opt me out of this program but I doubt they will. This is important and big, and is something that people should know about as companies should n't be able to charge your card without you knowing or without your consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX / XXXX /   2016   XXXX / XXXX /   2016   XXXX / XXXX /   2016  Are all dates that disputes to Experian have been sent out - Not once has the disputes been resolved or responded to in a timely fashion. These accounts do not belong on my file and I have submitted numerous times to have them 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 06-08-2016 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (OK).
Issue: Problems when you are unable to pay

Complaint: MAKE THIS CLEAR : THIS WAS NOT MY LOAN Continental Credit in XXXX, Oklahoma initially called me XXXX/XXXX/16 @ XXXX asking to speak to my ex-wife of 4 years. I explained that I did n't know where she was or how to get in touch with her and asked them to please remove my number. The lady was very nice and apologized and stated she would be sure and get my name off of her file. 
XXXX/XXXX/16 @ XXXX received another call from continental credit again asking to speak to my ex-wife. I told the same lady again that we had been divorced for 4 years and I did not know how to get in touch with her. I made it very clear that if my name was not removed I would be filing a complaint. Again, she apologized and stated she would get it removed. 
XXXX/XXXX/16 @ XXXX received another call from them, this time I was unable to answer and the lady left a message " XXXX you need to call me at XXXX today '' this call has led me to file a complaint. I can provide all phone records if necessary. My next step will be a law suit if the calls do not stop.

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 11/24/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: I Made all payments to Bank Of America 8 Years Ago And they are Refusing to remove me from XXXX and XXXX A System that want allow you to open any bank accounts they have lied to me over and over stating once its paid they will remove me from these system and have not done Can some one please help me.

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 11/21/2016 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have determined that Southwest Credit or SWC, of XXXX, XXXX, has left repeated automatic recordings using two different phone numbers. XXXX and XXXX. The recordings ask for XXXX ( not my name ). I have dealt with scam debt collection agencies through CFPB before. When contacted by CFPB they claim they made a mistake and the employee responsible has been re-assigned and is being retrained. I do not owe any money to anyone or any agency anywhere. If I did they would send me a letter. I would appreciate CFPB contacting Southwest Credit in XXXX ( I live in XXXX ) and inform them that if they can not prove I owe a debt to cease and desist calling me and remove my phone number from their robo list. I am on several " Do Not Call '' lists but they do no good. My research shows SWC has over XXXX complaints against them. Is that worth shutting them down?

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit reporting () with National Credit Systems,Inc. (SC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Collection Account remain on credit bureau report after 50 day processing dispute reviewed by FDCPA along with Collection Letters submitted in violation FDCPA violations Remove from all XXXX credit reporting agency debt collection inaccurate disclosure and verification delete all collection from all XXXX credit bureau agency

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation