milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2018 about Checking or savings account (Checking account) with SCHOOLSFIRST FEDERAL CREDIT UNION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Schools First Federal Credit Union is blocking me from linking my debit card to investment applications like XXXX and XXXX. Their support team told me that they currently do n't support these types of accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Credit card () with TD BANK US HOLDING COMPANY (NC).
Issue: Advertising and marketing

Complaint: i applied for a TD bank credit card. was promised a {$200.00} sign on bonus if i spent {$1500.00} in the first 90 days. i did my part. the bank is not giving me the {$200.00} they promised

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Late fee

Complaint: TD Bank XXXX ( XXXX ) charged me late fees on the following dates:XX/XX/XXXX $ 25.000XX/XX/XXXX $ 25.00I never received a credit card statement for XX/XX/XXXX nor did I ever receive a statement for XX/XX/XXXX. I have also never signed up for electronic statements. I have been experiencing problems with TD Bank USA ( XXXX ) delivering my credit card statements to me. I was not aware of the minimum payment due since I did not receive my statements nor was I able to access my account online because of issues with my login/password. 
Please credit me for the following : {$25.00} for the late payment fee that was charged on XX/XX/XXXX {$25.00} for the late payment fee that was charged on XX/XX/XXXX {$1.00} per month since XX/XX/XXXX for the minimum {$1.00} charge per month I incurred because I refused to pay for the late fees since they were incorrectly charged to my account. 

If TD Bank XXXX ( XXXX ) disagrees with this, please provide proof that you sent out the credit card statement for XX/XX/XXXX and for XX/XX/XXXX and that I actually received them. Such proof includes tracking information with XXXX, XXXX, XXXX, or a certified mail receipt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/18/2018 about Debt collection (Other debt) with Rent Recovery Solutions (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was residing with a person who was renting a home, I was not on the lease as a person responsible for payment. Just an additional person living in the home. I am receiving letters that a debt has been sent to a debt collector. When we moved out the balance was {$0.00}, no deposit was returned, property was not damaged, no letter was sent to a final bill or money owed, no contact with the property manager from XX/XX/XXXX until XX/XX/XXXX when I received a letter. I responded with a written response that I deny the debt. I didnt hear anything else. Then XX/XX/XXXX I was sent a letter with a lesser amount to pay. I was never advised of this debt before it went to collections and they did not notify the resident responsible for payment. XXXX XXXX did not send a bill or communicate before the collection agency and this is not proper. They can not produce verification of the debt but we have paperwork with a XXXX balance. Debt was sent to Rent Recovery Solutions LLC, who hold many complaints of misconduct and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Debt collection (Medical) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I requested Portfolio Recovery Associations LLC to stop calling my home several years go but the company never stopped. The alleged debt is a medical bill over 6-8 years old past the statue of limitations. The company is data mining old debt and harassing families for a profit. The allege debt by XXXX XXXX XXXX XXXX sold the debt to Portfolio for penny 's on the dime and the debt is beyond the state of Florida statue of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: I applied AMEX platinum credit card through promotion offer. The offer term is receiving XXXX AMEX reward points after spending XXXX dollars within 3 month of card opening. I did my spending using AMEX card and achieved the spending requirement within 2 month of card opening. I received the reward points on XXXX XXXX 2016. However, AMEX freezed the point from using and deducted the XXXX points from my account on XXXX XXXX 2016 without providing a satisfactory explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-11-2016 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: PNC Bank refuses to put the account on our credit report

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I pulled my credit report today to find out that XXXX XXXX had pulled a hard inquiry on me in XXXX XXXX 2016. I have never applied for a discover card. I just spoke to them on the phone with their risk dept. I gave them the date of the inquiry and my personal information. They tell me that they have no record of e or an application from me. I am a small business owner. these hard inquiries have a lasting negative effect on my credit score. I want this inquiry removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2017 about Mortgage (FHA mortgage) with Aspen Yo LLC (NY).
Issue: Struggling to pay mortgage

Complaint: I have tried multiple times to get help from XXXX XXXX, ( Servicer ) to afford to keep my home. They purposefully not returned my calls and the always find and excuse not review the multiple packages that have been sent. They ignore my calls and when they do pick up, they always tell me that only the person assigned to the file can give me updates. That assigned person is never available. They have had 2 or three complete loan modification packages, over the last 2 months, sent to them but no official review from this servicer. They are not helpful and I believe are more geared towards collection then home retention assistance. It appears that the do not really care about helping their customers find a solution. I asked many times to speak to a supervisor and they just patch me through another representative who has the same attitude and responses. It 's like a vicious cycle of not getting anywhere. It feels like it 's being done on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Credit reporting () with Credit Karma, Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: went online to check my credit score and saw that i had an account open with XXXX XXXX, i had never applied for that credit card.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I submitted a co-signer release to Navient which was not approved. I have XXXX credit score, I work for a XXXX and have for the past two years, I am currently getting my XXXX, my co-signer has a XXXX credit score and has filed bankruptcy in the past and I feel is a liability to being on my loan. She was married with XXXX incomes when she co-signed, she is now divorced and can barely make ends meat herself.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Debt collection (Credit card debt) with NAVY FEDERAL CREDIT UNION (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/2018, I transferred {$2500.00} to my NFCU checking account from my account at another bank in an attempt to pay of 2 ( TWO ) credit card balances for an offered amount from NFCU of {$2500.00}. I sent an eMessage in the secured message center of the member area indicating that the above stated amount was transferred and authorizing that the balance be paid for the offered amount for the 2 ( TWO ) credit cards stated in the email. I received a response a couple of days later informing me that {$2500.00} was drafted from my account to pay 1 ( ONE ) credit card. I did NOT authorize the amount drafted, nor did I authorize it for only ONE card. I replied to the message via the secure message center stating this, and received another response stating that these matters can't be discussed via eMessage and that I would have to call. I prefer emails so that there is written proof of what occurred. Last week, I received an email from the " Recovery Department '' stating that my husband did not pay off the balance owed on his card and I received one today stating the same. I emailed the recovery department last week and was told that my email was not secure and that they could not speak about it in such a manner. Attached are all of the copies of emails and letters as well as a bank statement showing the amount drafted from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (I do not know) with Credence Resource Management, LLC (FL).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: received calls before  XXXX  and it 's someone from  XXXX  stating I own money and I ask to remove my number and keeps calling

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 05-10-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I applied for a mortgage loan with XXXX and XXXX XXXX. I have been rejected by both companies because they state Equifax has a credit freeze in my credit report. I called Equifax to find out why just to be given the run around. I have faxed my Drivers License and Social Security card to them twice. The 2nd time, I was sure to get a confirmation so they could n't tell me again they did n't receive it but that is exactly what happened today. They are refusing to give me any information as to why they have a freeze on my account and upon me stating I never asked for this freeze, they still will not release it. I have offered to email my drivers license and social security card to them since they lose every fax I send them but they will not allow me to do this. Today I asked to speak to a supervisor but the girl I spoke to denied transferring me to a supervisor even after I held on the phone for XXXX minutes. She said her supervisor would n't allow it

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Vehicle loan or lease (Lease) with AMERICAN HONDA FINANCE CORP (VA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I received a bill for personal property tax from my previously financed XXXX XXXX XXXX for {$230.00} from XXXX County ( see attached notification from XXXX ). This bill is incorrect, as it was levied based on the car being registered for 7 months ( see attached bill from XXXX County ) -- this is impossible since the plates were transferred from the XXXX XXXX to the new XXXX XXXX XXXX I leased in XX/XX/XXXX. I can provide a copy of the registration for my new XXXX showing this. XXXX County informed me the disposal date with the DMV needs to be updated and/or paperwork filed. 

I was informed by XXXX ( refused to provide her last name for " personal privacy '' ) with Honda Financial Services today, XX/XX/XXXX, that I must pay the full, incorrect amount, wait 2-3 weeks for XXXX/Honda Financial Services to file an abatement, then wait another 8-12 ( " possibly longer '' ) weeks for the state of Virginia to respond and THEN be issued a refund. 

The fact that XXXX paid an incorrect bill is not my fault. The fact that Virginia issued an incorrect bill is not my fault. 

I estimate my actual tax burden to be around {$100.00} ( 25 % or 3 months ' of the full years ' tax ), and I am happy to pay that amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion and XXXX have the same debt listed under XXXX different collection agencies. Transunion Reports XXXX XXXX XXXX and XXXX reports XXXX.. Both are reported at {$10000.00}. The original debtor is XXXX XXXX XXXX. There is only XXXX DEBT, not XXXX. This mistake is lowering my credit score more than it should. XXXX or XXXX of these is wrong and should be corrected / removed. Furthermore, I have never heard from XXXX XXXX XXXX, and XXXX XXXX XXXX has not finalized the supposed debt, at times asking for a much lower amount to settle the claim.

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 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: The 3 major credit bureaus are reporting a Chapter XXXX bankruptcy that should be removed because of the new law that came out XXXX XXXX, 2017. Some of the information is incorrect and/or not listed.

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 10/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been attempting to settle a charge with XXXX XXXX XXXX for over a year now. I do not have the collector info. This was a workman 's comp case and the insurance company info has been provided many times both through the company I work for and the insurance company. I do not know if any attempt was make to contact the insurance company, but the charges will be paid completely by them. I would like to have this open charge removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX called about " a '' XXXX XXXX, about a Capital One account with the last XXXX digits of the social of XXXX. Never had an account w/o a middle initial, never had a Capital One account, incorrect last XXXX digits of the social

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Credit card () with U.S. BANCORP (MS).
Issue: Late fee

Complaint: Elan Financial Services credit card Payment services website states " Payments with a Payment Date equal to todays date can not be modified or deleted after XXXX XXXX. CT. '' Yet a payment made at XXXX XXXX. CT. are considered late. When I called the supervisor informed me the cut off time is really XXXX XXXX. so cutoff at XXXX XXXX. is a false statement on their website and needs to be corrected as they are assessing a late fee at XXXX instead of XXXX pm.

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 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am a father of XXXX little girls ( not as little as I hoped they would stay : ), I own or run 4 XXXX XXXX and between my XXXX and personal finances have about 20 different accounts to pay each month not including my 30 plus employees, numerous vendors and services. I am old fashioned when it comes to organization of my bills. Meaning, I rely on statements via USPS. All my accounts are set up to mail me statements or invoices. 

XXXX 2015 Citibank reported me 30 days late, I am disputing the 30 day late reporting as inaccurate and requesting it be properly updated. I have had this account for nearly 5 years and always paid timely. I have all my statements mailed to me because this is what I use as my reminder. 
However, somehow when I set up my online account or responded to a citibank email. My account statement option was switched to paperless, i did not knowingly do this. 

I called Citibank earlier this year, they confirmed the paperless option was recently opted into. I had them opt me back out and thought the late payment reporting was being removed, It has not. 
Could you please remove that late payment from my credit reports.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
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 been trying to dispute this matter since XX/XX/XXXX, and restarted another dispute with all parties again back in XX/XX/XXXX, and every month after. And we have not been able to reach out to any kind of solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Three letters disputing inquiries as not mine. At no time have a written or visual authorization been submitted by me. This is illegal.     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   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   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

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 06/21/2016 about Consumer Loan (Installment loan) with BB&T CORPORATION (VA).
Issue: Managing the loan or lease

Complaint: I have a home improvement loan with this company since XXXX XXXX, 2015 and this is a interest free loan for 18 months. This was approved by XXXX XXXX. 
I am suppose to pay BB & T {$250.00} per month for 18 months. 
This amount is suppose to be applied to my principal. After 18 months I pay the remaining balance. 
I have been paying {$250.00} for the last one year. BB & T has been sending me statements stating that only {$9.00} go towards the principal and the rest {$190.00} goes towards the interest. 
I have contacted the company in reference to this issue many times and they state that they can not do anything. 
This is the way the statements are printed. 
On XXXX XXXX I spoke with the manager ( XXXX XXXX ) and she promised that she will investigate it and call me back. It has been a month and I have not received any response yet. 
I had notified the sales rep from the contracting company ( XXXX XXXX ) who had offered me financing through BB & T home improvement. 
I had notified the accounts payable manager and told her that the consumer should have a clear statement of what the client has paid and what they owe at the end of the term. 
This is unacceptable. 
The contractor was notified that they should not use this company anymore in order to sell their product.

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 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax has an open account.    XXXX   XXXX  opened  XXXX  This account was completed and Settled-  XXXX  with  XXXX   XXXX   Please help .I thou ght once settled with  XXXX  credit report they would have Removed from all. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Attempted to obtain report from Experian through AnnualCreditReport.com and received an error message directing me to experian.com or to call Experian consumer services. Attempted to PAY for my report through Experian.com and received the same error message. 
After speaking to consumer services they stated that they can not verify my identity ( even though I have provided 100 % legally factual information ). Phone rep for consumer services says there is no way to obtain my credit report.

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