milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-06-2016 about Credit card () with U.S. BANCORP (MI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: We have had a USBank XXXX credit card for many years. On or about XXXX XXXX US Bank called us about XXXX questionable charges that were on our card and we informed the caller that all three were not made or authorized by us. Because of this we started checking our account online and found that on XXXX XXXX XXXX of the fraudulent charges, a XXXX XXXX charge for {$980.00}, reappeared on our statement. Since that time we have called USBank XXXX or XXXX times and talked to a fraud representative and each time we were told the contested amount would be removed. Most recently, XXXX XXXX we called as the charge was still on out statement and was told that a 'case processor ' would call back within XXXX hours. We called again on XXXX XXXX because the account due date is XXXX XXXX and was told the same thing, that a fraud claim was open and someone would call within a couple of days. As of the due date the amount is still on our account. We are XXXX XXXX XXXX and have a XXXX credit rating that we want to preserve so any action from the cfpb to assist in resolving this claim is greatly appreciated.

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 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: Representative hesitant about starting investigation, and stated it had to be against debt. collections laws- I stated it was and there were other breaches of laws as well. When done with investigation nothing was done but updating my information and all " illegal '' debt still remained. -Legal Breaches for debt- On matter of item > The XXXX XXXX ( Originally Opened XXXX ) -CA Statute of limitations > The Statute : California Code of Civil Procedure Section 337 Where the action is based on a written agreement, it must be filed within 4 years.Code of Civil Procedure 337 : 1 & 2. XXXX XXXX XXXX-Open-XXXX. XXXX XXXX XXXX XXXX-Open- XXXX. XXXX County DA-Open XXXX. Note File Upload > Double Jeopardy-5th Amendment ( XXXX XXXX-XXXX XXXX-with D.A. letter stating no further litigation required-Referral # XXXX > XXXX # XXXX ), SECTION 1. All people are by nature free and independent and have inalienable rights. Among these are enjoying and defending life and liberty, acquiring, possessing, and protecting property, and pursuing and obtaining safety, happiness, and privacy. ( Sec. 1 added XXXX XXXX, XXXX, by Proposition 7. Resolution Chapter 90, XXXX. ) SEC. 10. A person may not be imprisoned in a civil action for debt or tort, or in peacetime for a militia fine. ( Sec. 10 added XXXX XXXX, XXXX, by Prop. 7. Res.Ch. 90, 1974. ) SEC. 17. Cruel or unusual punishment may not be inflicted or excessive fines imposed. I have as of now " no '' verifiable substantial income. ( Sec. 17 added XXXX XXXX, XXXX, by Prop. 7. Res.Ch. 90, 1974. ) -Fair Debt Collections Practice Act.-801-Short title 803-Definitions -part C.,807 False or misleading representations-a. & 4.. Fed. Statute Title 18, U.S.C., 241 & 242. U.S.A. Constitution 7th, 8th, and 14th Amendment breaches.

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 11/13/2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have concerns about how Chase handled a fraudulent purchase on my account. The purchase was stopped ; however we were not notified of a phone number change. They stated they notified us but said they could not provide proof to a customer -- a court order was needed. Additionally, when trying to work with their staff, they appeared to have many inexperienced representatives ; long hold times and pieces of misinformation. XXXX calls, two hours, XXXX rep 's and XXXX supervisors to finally determine what happened and ensure my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (PA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Hi.I made a clothing purchase with XXXX XXXX, who then offered a line of credit through XXXX XXXX. Three days after receiving the clothes, I returned to XXXX XXXX for a full refund. XXXX XXXX denied receiving the return. Finally, after a few months and many phone calls and documentation, they agreed it was returned and promised to take the charge off my account, from day one, through XXXX. They also told me to call XXXX to give them an update and to waive late payments/finance charges and said they 'd do the same. I did just that and XXXX rep said it would take 3 days, but they would note it and wipe out the balance on my account. 

This did n't happen and I continually get hounded by XXXX for late fees and finance charge on an account that had a balance for 3 days. I 've talked until I 'm blue in the face and have provided documentation, but they will only erase one month of late fees. Keep in mind this is all over a {$120.00} original purchase and I 'm now in over in {$60.00} in fees from the bank. The supervisors I talked to today ( XX/XX/2017 ) at XXXX are employee number XXXX and her supervisor # XXXX. They are adamant that I owe them late fees plus finance charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/25/2015 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Late fee

Complaint: I use my bank 's automated bill pay service to pay my monthly minimum for my Amazon XXXX Credit Card issued by Synchrony Bank. My due date is the XXXX and my minimum is {$50.00} to which I add {$5.00} for a total payment of {$55.00}. Synchrony receives this payment on the XXXX of each month. In the month of XXXX ( likely due to the holiday weekend ), my scheduled payment failed to process on time. My bank notified me of the failure so I made a one-time payment on Monday, XXXX XXXX through Synchrony 's website for {$55.00} dollars. The payment was 1 day late. When the billing cycle ended on XXXX XXXX, Synchrony assessed a fee of {$25.00} for the lateness. This fee seems to have been added to my minimum monthly payment for a new required payment of {$76.00}. I did not notice the increase. 

On XXXX XXXX, my bank processed my regularly scheduled {$55.00} dollar payment. Because it did not meet the new minimum, I was assessed another fee of {$35.00} for lateness. This cycle repeated itself in XXXX, XXXX and XXXX for a total of {$160.00} in fees and a minimum monthly payment for XXXX totaling {$200.00}. Synchrony bank made no reasonable effort to contact me about the delinquency on my account until XXXX when their collections department reached out by phone. I was receiving a regular monthly statement via email but because the payments are automated and were going out as scheduled and because the emails did not mention any problem with my account that would warrant further investigation, I was not aware of the issue. By the time Synchrony called, they had already assessed four months of late payment fees and were seeking a {$200.00} payment to bring my account current. 

While this lack of communication is atrocious customer service on Synchrony 's part, my complaint centers around what I believe to be an instance of illegally pyramiding fees. As I understand our regulatory laws, a credit card company can not apply your payment to a fee first and a minimum monthly payment second so that the amount can not satisfy the minimum monthly requirement and cause the customer to incur yet another fee. Since I continued making on-time payments that satisfied my minimum payment less fees, it seems to me that I should not have incurred additional late fees after XXXX. During this time, no new purchases were charged to the account that would have otherwise affected my balance and minimum monthly payment. The only change that can account for increases to my minimum monthly payments are the fees Synchrony added to my account. 

Please apply your legal expertise in this case. If Synchrony is not in compliance, I seek a refund of all fees incurred after and as a result of the XXXX late fee and a return of my minimum monthly payment to {$50.00}. I have reached out to Synchrony bank and they agreed to remove XXXX the fees but refused to lower my monthly payment for XXXX and could not guarantee that my minimum monthly payment would return to previous levels in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/16/2017 about Debt collection (I do not know) with U.S. BANCORP (MI).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: This is also included In complaint XXXX. It only has US Bank listed as whom I am complaining about. But I really think it is more XXXX XXXX that has a problem. So I 'm trying to get them listed also. I have also filed a complaint with the Attorney General office Complaint # XXXX On X/X/17 My husband ( XXXX XXXX ) received a call from a documents server stating that he had documents that my husband must be home to sign he then gave another phone number for us to call XXXX with a file number of XXXX. He included me ( XXXX XXXX ) on the call to a " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Case manager XXXX XXXX. She claimed that he had an overdraft now worth over {$2000.00} ( never gave us the original amount ) for US Bank. He never opened an account with US Bank, but was concerned that maybe his ex-wife had, under his name. The debt was over 10 years old, but he felt we should pay it. XXXX XXXX gave us specifics about his social security and an old address. Never gave us proof that he actually owed the debt, but told us if we paid {$100.00} a month, in biweekly payments she could reduce the debt to {$1500.00}. That this would avoid any legal action being taken against us. That if we signed the agreement that day and provided a picture of my debt card and my drivers license that she would set up a " stipulation of settlement '' agreement. We agreed to do this, but I felt the picture of my debit card and drivers license was strange. I did give them to her and did sign the agreement. Which supposedly releases me from being able to take any kind of action or disagree with the debt. They also made a withdrawal from my account for {$50.00}. We looked up his XXXX XXXX report and they were not on there, nor on any of his credit reports ( we checked all 3 ) when confronted with this information, XXXX XXXX explained that was because we had not disputed the debt. When I spoke with my bank, they said it should have been on there if it had been in collections for the last 5 years and that they should not have had me send a picture of my debit card and license. I have since looked up the company, number, person and looks like a total scam. I have closed my debit card and had a new one reissued. XXXX XXXX XXXX ( XXXX ) XXXX are still calling us and all our family members and giving us a new number to call XXXX and case number XXXX. When we called on that nothing could be found.

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 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (MN).
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint: Hi - I have tried calling all three of credit bureau's to put a freeze on my credit.  None of these companies want to assist me over the phone to put the freeze on my credit but instead are trying to push me to do it online.  I do not want to provide SSN numbers or other sensitive information online.  In addition, these companies are required to assist people over the phone.  The government organization's that oversee the bureau's need to be much more strict with these companies (just like you are with the banks) so they appropriately service their customers who make them millions of dollars each year.

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Payday loan () with ACE CASH EXPRESS, INC. (TN).
Issue: Applied for loan/did not receive money

Complaint: Ace cash express let me pay my loan. Then after. The loan was paid off the cashier stated we are closing so we are not going to renew any loans. They were supposed to close XXXX but they are still doing business. They left me broke and almost homeless because that was my way to make ends meet in between paychecks. That was n't right and they have done a few people like that. That 's not good business. Something needs to be done. Then after we paid the cashier stated we will get the money from we ever do n't pay. We will debit people account for the money that is due.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (WV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On two occasions, within a span of 2-3 days, my credit was used to try and finance a vehicle. I had no knowledge of it and did not authorize these inquiries. I contacted each one of them by phone and they refuse to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (CA).
Issue: Account opening, closing, or management

Complaint: Failure to disclose investments. related cases are XXXX, XXXX, XXXX. " I '' XXXX XXXX XXXX have Assets, Investments, Securities and other personal and real property and co mingled Personal Fortunes. This includes Cash, Jewelry and other Assets which are stored in XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX. Citizens Bank ( formerly XXXX ), XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX to XXXX Safety Deposit Boxes. The City of XXXX, various Federal and State of XXXX and XXXX. These Entities should have Vested interest when these Boxes are opened as they are included in shares of the wealth of my Personal Fortunes as described with other additional instructions and information left in the Boxes. My sister XXXX XXXX XXXX, now of XXXX, XXXX was granted access under certain Terms and Conditions and has shares of the Assets if she performs per the signed Agreement. This was Signed in 1979 and the Agreement authorized by all Parties. This and other Agreement meetings were held from XXXX through XXXX of 1979 at XXXX XXXX XXXX in XXXX, XXXX. As best as described, a " Letter of Performance of all Parties '' was left with XXXX XXXX XXXX XXXX XXXX, all Parties, Myself-XXXX XXXX XXXX and XXXX XXXX XXXX have to be present when " I '' XXXX XXXX XXXX or XXXX XXXX XXXX or other Parties initiate the opening of the Boxes.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation sent the police report and idtheft gov inaccurate information on my credit costing me my life and consumer billion of dollars XXXX  breach has caused all this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Credit Report XXXX Item : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. I have advised the credit bureaus that I did not have a XXXX account opened in XXXX. I have had XXXX for XXXX years now. I did have a XXXX account back in XXXX, this was part of my bankruptcy in XXXX. This charge for XXXX states it will be on my record until XXXX. I have lived in XXXX XXXX years, it would be easy just to ask when and where the charge occured. Can you please have this corrected?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX hard inquires on my credit report from transunion i have called over 20 times. no one is willing to help me. before all this happen i put a fraud alert on my credit report now transunion is telling me they can not help me. I called i spoke to XXXX XXXX i spoke to XXXX different supervisors and they told me they can not remove inquires or dispute these even if they are fraud. all these inquires are from the same company i have put a fraud alert XXXX. They told me i have to call credit plus and they have to send me a letter that gives them permission to remove the credit inquires. I called credit plus and they told me the information i provided them does not match their file.. and i said hello thats because its fraud and they refuse to assist me or give me a letter. i called transunion back and they will refuse to 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 09-11-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX my ex husband abandoned our family and the debt acquired together. Since then I have tried to assume the HELOC in my name, unfortunately, to no avail. In the process I have requested a copy of the loan, again, to no avail. In addition, I found out that Bank of America changed my address, without permission or reason, and all of my personal and confidential information was being sent to an unknown person/address. I contacted them for years to rectify this and they refused. I did everything asked of me including sending a letter stating that never was my address and provided the correct address, which by the way is the address on the loan. With that said, I continued to make my payments through my online account, which I set up to avoid lack of payments. In the Fall of XX/XX/XXXX, Bank of America blocked my payments from the site. When I called to inquire, they stated that the payments have increased yet, still refused my payments or to send me a copy of my loan. I contacted the NYS Banking Dept who referred me to you. At this time I have been in constant contact with multiple representatives who have refused to either return my calls or help resolve this issue. They have also refused to provide information on why they sent my protected, confidential information illegally to a random address. Some of the mailings had requests that had an expectation of an answer from me and of course could not happen since I was unaware of the mailings because they were sent to an unknown person. Lastly, I recently spoke with a representative from Bank of America, XXXX XXXX, who refused to settle the loan and told me that I must file a loan modification. I am not looking to modify the loan, I am looking to be free of this loan with this bank who has taken no accountability for the trouble it has caused me. They sent my confidential information to an unknown person, they refused my payments and then put me in foreclosure, and now they are refusing to settle the loan so I can pay them off. I am begging for help. 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 01-03-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I got locked out for 25 days now, when I tried to set up the account on my new phone. Have no access to my funds and cannot reach anyone who can help. Waited hours on the phone numerous times to hear the same response “you have to wait for a specialist to assist you”.  This “specialist” cannot be reached and don’t know when they will respond.  Coinbase is holding up my money and there is nothing I can do about it!!!Ticket submitted on XXXX-2017Case #XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 fighting with the  XXXX ,  XXXX  and Experian to remove an item off of my credit report that was paid by the actor  XXXX   XXXX  on  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX  I am attaching a printout of t  he ledger where it shows we had a huge credit balance.
No monies are owed and i would like this deleted off of my credit report unless they can show written documented proof that thi  s money is owed.

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 09/29/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Problems caused by my funds being low

Complaint: Bank of America I have noticed holds charges then submits to charge overdraft fees, example, I would use my debit on the XXXX for a burger and fry at XXXX, that transaction will hold 3 days then when account low, I become negative and they charge me, all my transactions are never in order.I was once charged a XXXX charge.I also filed a claim on a XXXX charge that wasnt r ight, I won it, recieved a letter stating its permanent for the bank to try and take it back out of my account and charge overdraft for it.Bank of America will hold transactions to charge fees.On XXXX I woke up and my bill pay went through, its XXXX, now at XXXX I go to the XXXX and buy XXXX $ eorth of stuff, you put yhat transaction before the bill from when I eoke up, so u can charge a fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation