milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-12-2016 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (SC).
Issue: Problems when you are unable to pay

Complaint: I have had a loan with Security Finance for over 2 years now. I have faithfully paid and renew my loan multiple times. One day I called to see if I was renewable and was told by XXXX that I was renewable for over {$200.00}. I told him i would be in on my lunch break to renew that loan. When i got there, XXXX told me once i renew my payments would go up {$20.00}. We signed the papers and i got the money. One day I was not able to make a payment on time, so i decided to ask for my principal and remaining balance. XXXX informed me that my balance was over {$1500.00} for a {$1000.00} loan, and I asked how it was that high because i had made previous payments before calling. He then decided to inform me that back in XXXX when he told me I was renewable for over {$200.00} that my loan was actually increased and not renewed. I then informed them through SEVERAL letters that I would not be paying that loan because I came in on the assumption of renewing my loan and not increasing because I could not afford a increase at the time. I feel like they were obligated to let me know that they were increasing my loan and not renewing it like they told me on the phone. By them increasing my loan without me knowing and having me come in on a renewal assumption I do not feel like I am responsible for that. They should have informed me. They call me several times and day and they call my job as well. The last person that called my job from there was XXXX and he had the nasty attitude with me and wanted to know why i had an attitude because i sure didnt have one when i came to get the money. I then informed him that I had an attitude because they failed to inform me that they were increasing my loan and had me come in on a renewal assumption. I however am still not paying them whatsoever with this loan and they have ran my credit score to XXXX. Is there anything other than not paying them that I can do about this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Checking or savings account (Other banking product or service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TN).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: I scheduled a Bill Pay transaction through my bank to pay my local electric company on or about XX/XX/XXXX for the payment to arrive on or about XX/XX/XXXX. My payment failed due to non-sufficient funds and I was charged an NSF of {$29.00}. I am fine with this as it was my responsibility to ensure funds were available.
What accompanied this charge was an email 2 days later from my bank stating their Bill Pay Vendor had paid the bill on my behalf and that I would be charged to my bank account again. I had since paid the original bill with the electric company and contacted my bank to advise they needed to cancel the Bill Pay transaction. I advised them that no further attempts on my bank account were permitted for this transaction and yet I was charged another NSF for this even after I advised to stop payment.
I feel this is unlawful and deceitful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received several alerts from the XXXX different credit monitoring services that I use that both show a CITI CBNA credit card with a {$1800.00} limit was opened in my name on XXXX XXXX XXXX. I did not open an account with this company nor have I applied for a credit card. There is also a CBNA XXXX XXXX XXXX hard credit inquiry that was pulled on me on XXXX XXXX XXXX. I did not apply for any credit cards.

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 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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 tried to contact XXXX, XXXX, Transunion, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, XXXX, Transunion has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, XXXX, Transunion of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX XXXX XXXX Acct # : 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 06-09-2015 about Debt collection (I do not know) with Financial Credit Service, Inc. (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received several calls yesterday from XXXX XXXX at ARA. Phone number XXXX. Case number XXXX XXXX. She left a message on my cell phone and repeatedly called my work number. I can not take personal calls on company time. It is not allowed. When I called this morning, she would not give me information regarding this debt. She said it was going to litigation and I was going to be served legal papers. She said she was a Process Server for the county ... but did not mention which county. The little bit of information I did receive was vague. She mentioned a bank account which I have not had for several years. She also mentioned a hospital bill and a towing bill, all of which have been paid. She said she mailed documentation to me and the 30 days in which I had to respond are over. I asked her to send me the information to me again and she said she could n't. The only thing I could do today was pay {$710.00} to cease and desist. I would n't give her any banking information. She suggested I get a pre-paid credit card to pay the amount. I called back and spoke with XXXX and told her I did n't receive any information and was disputing the debt. They would not work with me at all. I either paid {$710.00} TODAY or I would be called into court. They are supposed to be sending information to me in the next week to 10 days and I have to be home to receive a summons.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Placed calls to XXXX, XXXX and Equifax in regards to inquiries that were iniated by me. Was told by represenatives from each company that they were factual. Explained to the represenative that I knew what my credit situation was and that I would not be trying to get more credit with the way my credit was.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I would like to dispute a hard inquiry on my credit report. Check into cash has checked my credit twice this year without my knowledge. I was not informed that my credit will be checked when I was applying for a personal loan with them. I have been one of their customers since XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX are the dates they have checked my credit. I would like for those inquiries to be removed off my credit report. It is not fair to process a credit check without ones knowledge. Thanks in advance.

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 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
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: Under the new law effective XXXX XXXX, 2017, any public record data must include name and address, along with SSN or DOB in order for it to appear indoor credit file. The Credit Bureau has not updated the information as per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2015 about Consumer Loan (Vehicle loan) with World Omni Financial Corp. (FL).
Issue: Managing the loan or lease

Complaint: World Omni Financial aka South East Toyota Finance has refused to correct the erroneous error on my credit report indicating that on XXXX and XXXX I paid my monthly car payment 30 days past due. Proof of XXXX payments were submitted to the Collections Supervisor by the name of XXXX XXXX indicating that the payments were made before the 30 days. Despite of the proof of payments XXXX XXXX indicated that they have records which indicate that it was made after the 30 days. I explained to XXXX XXXX that their website indicates that when payments are made on line on their website it indicates clearly that any payments made before XXXX time will be posted to that account holder that day. Those XXXX payments which have been reported showing over 30 days late, were paid before the 30th day which I have proof of. That was submitted to XXXX XXXX as well. XXXX XXXX confirmed that the website indicates such, however they had some type of technical error in their website. This makes no sense to me. What does that have to do with my situation? Their technical errors are costing me money. Do to their mistake I am not able to purchase a new car and obtain a good interest rate. My car payments have always been paid the same for the last 2 years, however they indicate on only XXXX occasions that it was later over 30 days which is incorrect. They took it upon themselves to choose what to report late or not. That is not fair to the consumer. It is wrong. I have spoken to them several times and they refuse to correct the error. I disputed it with the XXXX credit bureaus and they made no change because World Omni Financial indicates that I made the payments after the 30 days despite also submitting this correspondence to the credit bureau themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone 30 days mark and can not verify these accounts, under the Section 611 ( 5 ) ( A ) of the FCRA- they are required to Promptly delete any information that can not be verify '' that I have disputed. Please help me resolve this matter as soon as possible. Thank you.

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 06/13/2017 about Checking or savings account (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: HSBC advertised a {$350.00} bank bonus promotion for opening a checking account by XXXX XXXX, XXXX and pay at least two bills per months or having a direct deposit into the checking account. The account was opened on XXXX XXXX, XXXX and funded with the required amount of at least {$1500.00}.. Two bill payments were made for XXXX and due to a death the in family overseas, I was not logging into my account. Later, when I tried to log into my account, the account was not accessible and locked. On XXXX XXXX, XXXX, I spoke with XXXX who told me that as long as I make two more months of bills payments and then call HSBC, I would be able to receive the {$350.00} bonus and she would leave notes on my account for the next representative. On XXXX XXXX, XXXX, I contacted HSBC and found out that XXXX did not make any notations on my account regarding the promotion. Also, I notified HSBC that the two additional months of bill payments were completed in XXXX and XXXX and to request the {$350.00} incentive be credited to my account as soon as possible. 
It is very frustrating to speak with HSBC representatives in the Premier department who refuse to transfer the call to a supervisor upon request and who deny the promotion despite being in the other department.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: In XXXX XXXX I opened a Citigold checking account with an offer stating I would receive XXXX Thank You points ( worth approx. {$800.00} ) after meeting certain criteria, such as depositing money and using a bill-pay feature of their account. I confirmed my eligibility for this promotion via phone with a Citi customer service representative in XX/XX/XXXX. Subsequently, I met the aforementioned criteria, a fact I confirmed with a Citi representative via their customer service chat, and was told to expect the XXXX Thank You points to be deposited into my account by XX/XX/XXXX. During this time I was charged XXXX monthly service fees of {$30.00} each. As of the current time I have recieved NO points or other opening bonus, as promised, and Citi now states that I " did not qualify '' for the bonus. 

Seeing as I had previously confirmed this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited XX/XX/XXXX, Citi has pulled a bait and switch. Despite several emails and " internal investigations '' on Citi 's part, they have suddenly decided and maintained that I do n't qualify unless I can find a postcard from 5 months ago showing the offer. This was a need that was never previously mentioned upon confirming eligibility or completion of requirements. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 5 months about needing to keep that post card. 

Now I have {$60.00} of fees and I will not be getting {$800.00} worth of Thank You points. I 'm not alone. Many people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for, and they end their misleading marketing practices - I never would have applied for this premium account, otherwise. 

Thank you

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 08-01-2017 about Credit card or prepaid card (Store credit card) with TIDEWATER FINANCE COMPANY, INC. (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: In  XX/XX/XXXX  I took out a credit card at   XXXX   XXXX   with tidewater finance company, not long after I lost my job and had   XXXX   XXXX    making the payments, I was in contact with someone regarding that and let her know I would take care of it. On  XX/XX/XXXX  I called to pay off the entire balance I owed. I was told ( by an automated machine I believe ) that total amount I owed was  XXXX  so that 's what I paid. I immidiatley received a bill for 40 something dollars, I contacted the phone number with no answer after waiting FOREVER ( over 30 min ) then decided to email the lady I had been in contact with, she simply responded with my new balance ( now in the 90 's ) and said to contact them when ready to pay it off. I told her I did n't understand where he charges came from and how I owed more money she said this is what i owed and if I know a name, time and date of someone I spoke with she would look into that. Next I started receiving emails saying this was a supervisor trying to resolve my account, I would let them know what happened and no response. Eventually I started forwarding them emails I had already sent in reply.
ALSO every single day and sometimes multiple times they call me ... but never a live person just a call us back recording, and if I called back I NEVER received a human on the phone to be able to dispute these charges which now are up to   XXXX   and I have n't even used it!!!
I 'd like to be able to speak with someone and dispute these charges and get it wiped from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NV).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have paid over {$340.00} for an Old Navy CC bill of {$70.00}. However, I am still getting bills! Not only that, but they have reported me to the credit bureaus and lowered my limits on all of my other cards because of their mistake. I have filed three investigations with Synchrony and two prior complaints here. I get no where with XXXX XXXX! The extra charges were supposed to have been removed, but instead they are sending me bills for more money. The E checks from my bank clearly say OLD NAVY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Why they are applying them to my Gap Card XXXX only knows! Especially after multiple investigations and complaints!

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 05-04-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Harpeth Financial Services, LLC (TN).
Issue: Charged fees or interest you didn't expect

Complaint: Advance Financial should be taken out of business. I was not aware of the 279 % interest they charge for a flex loan. They took a total of {$450.00} per month out of my checking account since the beginning of   XXXX  . My payoff balance only keeps getting higher and higher. Their flex loans are set up to  XXXX  customers over and make them further in debt by not helping them in any way due to the outrageous interest rates. What a scam!!

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 09-12-2016 about Bank account or service (Checking account) with EARLY WARNING SERVICES, LLC (CA).
Issue: Deposits and withdrawals

Complaint: I would like to dispute XXXX and have the incident removed from my record. The transaction was authorized and done legit. The transaction in question was credit card related. I applied for a XXXX XXXX XXXX XXXX XXXX. Upon receiving my card I was given an offer to transfer any balances to my new account via balance transfer check. 

I took the check to my local XXXX XXXX on XXXX/XXXX/15 and asked how to proceed. The teller told me to deposit the check to my XXXX Checking account # XXXX and from their I can pay off anything via ACH electronically. The teller attempted to deposit the check to my checking account but before she could proceed her system indicated that she need to call the credit department and get authorization for the check. The teller successfully received approval and authorization to proceed in which she deposit said funds into my account ending XXXX. 

On XXXX/XXXX/15, I received notice that once the back office reviewed the transaction they decided to un approve it after originally approving the initial transaction and removed said funds from my account. Nothing was done wrong or invalid on my part. The transaction in question is fully documented and compass has the prove via authorization number in their system that this in deed was n't fraud and that the transaction was legit and handled in a XXXX XXXX. 

I respect XXXX decision to not approve the balance transfer after the fact but to accuse someone of fraud or misuse of the account when the transaction in question was legit is " Defamation of my Character ''. I ask that this matter is resolved immediately and removed from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OR).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Deposited two checks and some cash at the same time through their ATM. I selected " receipt without check images ''. The machine froze for about 10 seconds, then said " transaction canceled '' but it did n't return anything to me. I immediately made a claim and they credited me roughly the amount I deposited XXXX {$1600.00} instead of {$1600.00} ). Now a month later, they 're saying they found one of the checks, but not the other and none of the cash. So.. if it was deposited all in a stack, but they ca n't physically find the cash, I believe someone pocketed it. They say they checked it twice and I 'm not entitled to money I did n't deposit ; Essentially telling me I 'm lying. I 'm having the paycheck reprinted, but someone walked out of there with my cash.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Had a Capital One credit card account. Paid offin XX/XX/XXXX. Balance was XXXX. I believe I requested the account to be closed. Since XX/XX/XXXX, unauthorized carges appeared. Now the total charges arr about {$170.00}. Asked them to remove the delinquent reporting as these are fraudulent charges. They wo n't do it and are saying that these are my responsibility and all they could do it mark it as satisfied if I pay the entire amount which were again, unauthorized. I asked them if they would remove these reportings if I make the full payment even though these are fraudulent as i do n't want to invest too much time for something less than {$200.00}, but they wo n't remove the reportings.

Company response to consumer: Closed with explanation