milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/17/2018 about Checking or savings account (Checking account) with U.S. BANCORP (MO).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: XX/XX/2018 U.S.Bank charged me an overdraft fee of XXXX. My check deposited during the blizzard in New York and i explained this to them, I had an automatic payment that came out on the same night that my check was deposited and they clearly chose the payment over my check. I called and talked to XXXX XXXX and told him my dilemma. He proceeded to tell me a refund was given once before and said too bad we cant do anything. 
tried the XXXX but had to reject US banks answer because they gave a generic response that didn't address the problem. 
The main issue was an electronic deposit was made on THE SAME DAY. US Bank choose to overdraft instead of depositing the funds first. 
US Bank bank dealt with the charges out of order, processing the largest transaction first. 
This common practice allows banks to deplete your account faster, thus making it easier for them to charge unnecessary overdraft fees. 
Therefore I reject their business response. 
The XXXX closed my Complaint Complaint ID : XXXX Complaint Type : Business Complaint Date Filed : XX/XX/2018 XXXX XXXX Dispute Center : XXXX XXXX XXXX ( XXXX XXXX, MN ) XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Email : Web : 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 03/28/2016 about Consumer Loan (Installment loan) with Cottonwood Financial Ltd. (TX).
Issue: Problems when you are unable to pay

Complaint: they are calling my family members, my job my cell phone and they are calling everyday, more than 5 times a day for the last two weeks.

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 03/15/2016 about Credit card () with PNC Bank N.A. (IN).
Issue: Payoff process

Complaint: Requesting PNC Credit Card to Reverse the Charge-Back of {$7500.00} on Card Ending ... XXXX I was hired as a Purchasing Agent for a Co. called XXXX XXXX XXXX , an online company based in NY in XXXX, 2016. My job was to make purchases for this Co. initially using my credit card and they reimburse me afterwards by making payments on the card from their " supposed '' corporate account with XXXX XXXX. Of course I objected to this proposal and they agreed to first pay off the balance of {$7500.00} on my PNC XXXX XXXX ending with XXXX. My card payment was initiated on XXXX XXXX, 2016 from the XXXX XXXX XXXX ( Routing:XXXX & Acct # : XXXX ) and when I checked the balance online on XXXX XXXX, it was " XXXX ''. 

Reason for Dispute with PNC Being suspicious of the possibility of the payment being reversed, I waited for almost XXXX week before I proceeded to make the purchases on my PNC Cashbuilder Credit card ending with XXXX which included gift cards from XXXX, XXXX and XXXX. On XXXX XXXX, with the card balance showing zero online, I called the customer service to check with a XXXX who confirmed to me that if the check has not been returned within XXXX hours, the chances are that the payment from XXXX was successful and went through. I checked the account again XXXX. XXXX and it was still XXXX balance. 

However on XXXX XXXX, when I checked the account balance, it was {$7500.00} ( XXXX + XXXX )! With my XXXX raising, I called CS ( got transferred to dispute dept, then Payment Resolution for more than an hour ) to find out what 's going on. I was told the check was returned ( AFTER 12 DAYS ....! ) So I asked WHY WAS THEIR NO INDICATION ON MY ACCOUNT THAT THE PAYMENT WAS PENDING ALL THESE WHILE SO I COULD HAVE DELAYED OR NOT MAKE THE PURCHASES AT ALL? AND IF THE CARD CO. KNOWS HOW TO ADD " PENDING CHARGES '' TAB TO THE PAGE, WHY COULD N'T THEY HAVE ADDED ( " PENDING PAYMENTS '' TAB ALSO TO ALERT CUSTOMERS? OR HOW ARE WE SUPPOSED TO KNOW IF A PAYMENT DID N'T GO THROUGH BEFORE IT 'S CHARGED BACK TO THE ACCOUNT? 
This Company turned out to be a scam, I did my due diligence to protect myself and wished that PNC did the same for its cardholder.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Credit card () with NAVY FEDERAL CREDIT UNION (SC).
Issue: Billing disputes

Complaint: I tried to refinance my truck through XXXX to get lower payments. They denied me because they said I have a delinquent account with Navy Federal Credit Union. I have a credit card with Navy Federal Credit Union I have been trying to pay off, and always make my payments WITHIN 30 days of the due date. Usually my payments are made within 10 days because of the date my military pay check comes in versus the date they have for my payment to be due. I always make my payment on the XXXX of the month and the due date is on the XXXX of the following month ( ie : due date is XXXX XXXX, I make payment on XXXX XXXX when the military pays me. ) The reason I took out the credit card was because last year I hit financial hardship and had to pay for my moms bills because she was in a XXXX and out of work, as well as had to pay for a surgery for my dog who was in an accident as well. I 've spent the past year playing catchup and finally have caught up bht I always made my payments on the credit card within 30 days so it would n't be considered delinquent. However, somehow Navy Federal Credit Union made the account delinquent and reported it, so now it is having a negative impact on my credit that I worked hard to obtain and build. I can not refinance my truck to make my payments lower to save more money because of a report that was made before the 30 day period. I would like to find out why this was put on my credit report and see if I can get it taken off because it is negatively impacting my credit. I have a car payment, a mortgage both of which are always payed on time to the day, as well as have a small loan with another compan that is payed on to the day. No other bills are late either. The only account there is an issue with is the navy federal account that reported delinquent without thirty days and whom charge me double interest rates that make it hard to make any headway on the card. I am XXXX military and am coming on my XXXX year in. Refinancing a truck I make payments on on time should n't be an issue but it is because Navy Federal Credit Union is holding my account delinquent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit card () with NAVY FEDERAL CREDIT UNION (MD).
Issue: Delinquent account

Complaint: Hello, I have a credit card account with Navy Federal Credit Union opened around 2012. I believe in the last few months I been receiving collection letters considering this account. I was SURPRISED because this account ALWAYS been paid on time never late. I reach out to Navy Federal and they stated that they did not have any information on me in their system. I give another representative my access number and he contacted his manager and they stated that my access number does exist. But this negative information is reporting on my credit reports. Can someone please help me in this matter it feels like I 'm going in circles.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. BANCORP (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I was contacted by a XXXX to contact XXXX with a file number XXXX. I contacted the number and everyone i talked to was rude. The voicemail stated that there was a case with my apartment complex. The XXXX person I talked to was XXXX XXXX every time i asked a question she was rude. She stated that I was going to be served today and I looked on the county website for any court documentation and there is none. She stated that they have the right to garnish my wages and that information is being sent to my payroll department when I get served. She stated that in Ohio debtors have up to XXXX years to collect a debt and they are requesting that all my bank accounts are closed immediately and I wont be able to open a account within the next XXXX years. They said XXXX has tried to contact me. They said the FDIC is looking to sue me and have no problem doing it. He said they will put a lean on my car and they see based on my credit report that I have been making the payments and I have a nice job so why not sue you. I asked about the date the compliant was filed in court and i was put on hold then a guy named XXXX XXXX. As soon as he got on the phone he started saying since you want to be diffcult in the state of Ohio we have the right to collect the debt up to XXXX years you will never get away from the debt. You have a good job so we are going to sue you if I dont pay large amount by XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Consumer Loan (Vehicle loan) with United PanAm Financial Corp. (TX).
Issue: Problems when you are unable to pay

Complaint: I have advised this company several times no contact at my employer or references. They disregard my request. On XXXX, I advised a representative of me waiting for my XXXX. I was n't certain on date. My instructions was to follow up on XXXX. Prior to follow-up, they were contacting references. The notes in their system did not match our conversation on XXXX. They did not take proper steps to review the call per my request. I spoke with a XXXX and XXXX that works there as a supervisor and I was verbally abused by both. I spoke with a representatives today prior to XXXX and she accepted the arrangements. He refused to honor previous arrangements and threaten to repossessions my vehicle. I just paid {$700.00} on XXXX. I owe {$140.00} to complete XXXX. My due date is on XXXX of each month.I advised him I will have current by XXXX. I can make {$150.00} a week until current which will be {$600.00} and my payment is {$430.00}. This is ridiculous. I have several emails sent to this company pertaing to the issues discussed. 
XXXX called a 3rd party number after the company was advised not to call. 
XXXX called a number that he was not advised to call that belonged to a 3rd party. 
He was argumentative regarding who answered phone. He was not willing to accept or attempt arrangements on the account when I paid {$700.00} on XXXX. He advised me no auto companies allow their customers to make late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2016 about Student loan (Non-federal student loan) with DISCOVER BANK (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: discoverstudentloans.com alleged that I had a sixty day late on a loan on which I am a co-signer. Unfortunately, I was probably that late but not due to any delinquency on my part but due to their not contacting me to let me know I was late. I am trying to have this blemish expunged because it was their fault. They have been unresponsive and have failed to provide documentation about this matter. 
When they got a hold of me I paid and was current with the loan until my son went back to school. 
My contact with them to resolve this was riddled with misinformation, wrong addresses, wrong social security numbers, and the list goes on.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX SHOULD NOT BE ON MY CREDIT FILE. IT HAS BEEN REMOVED FROM THE CREDITOR. AFTER MY DISPUTE WAS SUBMITTED XX/XX/2017 AND INVESTIGATION WAS CONPLETED. I RECEIVED A CONFIRMATION LETTER OF REMOVAL FROM THE CREDITOR XX/XX/2017.IT WAS REMOVED BY TRANSUNION.THEN PLACED BACK ON MY CREDIT FILE FOR UNKNOWN REASONS. ALSO LISTED AS A COLLECTION. WHICH IS INCORRECT

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 07-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with reekside Recovery And Capital Management (KY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I received a call from someone who said I needed to call another number so she could stop from sending legal papers to sue me. I called that number and the person was so abusive, he had me in tears and said I could pay at a discount but had to pay that day or legal steps would be filed. This bill was supposedly for a XXXX home security system that was at my daughters house and I had unsuccessfully tried to settle two years ago. This call happened on XX/XX/2015. The number I was told to call was XXXX. I feel so stupid and this whole situation has been tough on me. I should have known better. I paid with my credit card because I was so intimidated. Now I feel devastated.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint: A penalty fee of $ XXXX/mo continues to be assessed for excessive time by Bank of America despite {$50.00} minimum balance kept in my BA checking account ever since I inadvertently let the checking account balance go below BA 's arbitrary minimum balance ( account was NOT overdrawn ). I have been waiting an excessive time for cessation of this " penalty ''. 

No doubt I am not the only customer being " penalized '' unjustly. Please confirm, investigate, and enforce refund of this $ XXXXmo " penallty ''.

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 08/14/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax keeps verifying a bankruptcy but the courts are advisnig me they are not giving Equifax any information so I want to know how it is being verified and I simply do not want them to open another dispute to say it is verified again! 
I am super disturbed that only Equifax continues to list the dismissed bankruptcies as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, Equifax has no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you Equifax must delete this information from my credit report and send me an updated copy when this action is completed. Considering that this does not require an investigation, In advance I would appreciate your their within 14 calendar days from receipt of this correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX XXXX and EXPERIAN has failed to produce any documentation that shows that alleged XXXX - XXXX XXXX XXXX has named alleged XXXX XXXX, as assignees, nor have even shown that the original accounts has any knowledge of this actions, or that the original alleged XXXX- XXXX XXXX XXXX has even given all rights and control.EXPERIAN continue state that they have verified the information when I sent them a letter disputing the information 2 months ago. 
If XXXX - XXXX XXXX XXXX did assign the debt to a third party-XXXX, XXXX - XXXX XXXX XXXX would then lose his rights to collect later. This means that probably took a tax credit, an insurance write-off, or some such action that automatically makes XXXX XXXX unable to collect the debt after that point. Collection agency XXXX XXXX does not have the original agreement with my signature. I never attended any college. According to the Fair Credit Reporting Act section 609 ( A ) ( 1 ) ( A ) the credit bureaus have to get physical verification of the original consumer contract for any and all accounts they post on a credit report. Electronic dispute notices ( XXXX ) received by was handled by its " XXXX ''. 
I Noticed they never had a single person actually investigate any of the XXXX and it never contacted me by mail on their way of investigating. No proof.They stated their position was that it had no responsibility to do anything because its computer " investigated '' the dispute when it reviewed the information in system and compared it with the information supplied by the XXXX XXXX and EXPERIAN. 
EXPERIAN said that they have verified all accounts. I need to have them send me a copy of what they used to verify the accounts attached. The ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) If they do n't have it please remove it. I have no knowledge or signed account level agreement with alleged collections agency- XXXX XXXX or original alleged 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 01/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Issue : {$6.00}, XXXX XXXX XXXX/game charges on my American Express credit card over a 7 day period by an XXXX year old child ( XX/XX/XXXX thru XX/XX/XXXX ). 

Starting XX/XX/XXXX, I have been unemployed and underemployed along with a very expensive divorce in XX/XX/XXXX. Therefore, I have been steadily trying to climb out of debt. In XX/XX/XXXX, I was finally able to refinance my house and pull out some cash and paid off my American Express Credit Card of {$7200.00} on XX/XX/XXXX. There is no way that I would approve {$6200.00} of XXXX  game charges. 
In XX/XX/XXXX after my payoff, my ending balance was {$130.00}. I approved my XXXX year old nephew to play a XXXX game for approximately {$24.00}. XXXX sent me an email and I confirmed the approval. 
However, as noted in the issue, the charges totaled {$6200.00}. My current understanding is that as the game is played you can go to higher levels and over the 7 day period of playing the game there were over 200 XXXX charges. These charges were as small as {$4.00} to over {$100.00}. 
Once I found out I called XXXX. It was after a 24 hour period so they sent me to XXXX. I have been working with XXXX customer service via their XXXX number. Every time I call, I get a different person. I have over 50 letters they have sent because they handle every charge ( over 200 ) as  individual issues. I have documented two letters for the dispute. 
I am not certain how many charges they have removed permanently and how many they have not. Every time I call, I get a different person and no clarity where I stand as a whole except they would not remove all charges and my current bill is over {$5000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I SPOKE WAS XXXX XXXX XXXX SHE CAME INTO THE XXXX DISTRICT OFFICE WHO WISHED TO MAKE A FRAUD REPORT. 

XXXX XXXX RECENTLY OBTAINED HER CREDIT REPORTS AND THERE WAS TWO FRAUDULENT ACCOUNTS OPENED IN HER NAME WITHOUT CONSENT ( XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX ADVISED ME THAT SHE CONTACTED THE CREDIT BUREAUS AND FRAUDULENT CREDITORS NAMED ON HER CREDIT REPORT. 

THE FRAUDULENT COMPANIES ADVISED HER TO GET THIS POLICE REPORT SO THE FRAUD CAN STOP. 
THE CREDIT BUREAUS ADVISED HER TO SEND POLICE REPORT TO THEM ALSO. I ADVISED HER TO PLACE A FRAUD ALERT ON HER PERSONAL INFORMATION JUST TO BE SAFE. 

I PROVIDED XXXX XXXX WITH THE CASE CARD OF THIS REPORT FOR HER RECORDS.

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 04-01-2017 about Debt collection (I do not know) with Midwest Recovery Systems (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: They claimed I owed a doctor. I paid them ; gave them my routing number and checking account. They said they would remove the debt from my credit history. I did not check ... 

They said I would receive an email. No email. So far, no money taken out, but now I am subject to identity theft. 

Company is Midwest Recovery, and they can not be reached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In eith er  XX/XX/XXXX  or  XX/XX/XXXX  I appl ied for a credit card wit h    XXXX   XXXX   / XXXX /  XXXX   A ccount #  XXXX . I then had a medical issue and went to the hospital followed by an extended stay for  XXXX . In   XX/XX/XXXX  I w as made aware by    XXXX   XXXX  / XXXX  that my account was past due {$130.00}. These charges were for a {$75.00}  annual fee followed by late fees. I told the representative that I was in the hospital and #  1 NEVER RECEIVED THE CARD AND # 2 NEVER ACTIVATED THE CARD. When I questioned the represen tative as to how they could charge me without ever activating the card the representative agreed that this was a mistake and apologized and told me not to worry about any charges, that my account with the company would be closed and balance brought to {$0.00}. Althou gh   XXXX   XXXX  / XXXX /  XXXX    updated the balance to {$0.00} on my credit reports they are still reporting a 30 day late payment o n my credit for     XX/XX/XXXX   . I tri ed calling them again and even contacting the  XXXX  credit bureaus  (  XXXX   XXXX  ,  Equifax, and  XXXX   ) but, the late   payment is still there! How can this company report a   XXXX   day late payment for a card I never received and NEVER ACTIVATED and ruin my credit!!! I 'm trying to buy a house and they are causing me undue harm. I 'm going to have to extend my lease instead of buy a house all because of this companies fraudulent activity and scam of trying to get money from me without me ever activating the card. Please help me get them to remove this late payment of my credit report. This company is a SCAM and the reason I 'm not in my own house right now!

Company response to consumer: Closed with explanation