milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/14/2016 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Balance transfer

Complaint: I applied for a credit card with Fifth Third Bank which included a balance transfer of {$8500.00}. I was approved with a {$700.00} credit limit. I was not ok with the credit limit I was approved for as it was too small and completely out of line with my credit score of XXXX. I called and cancelled the card on XXXX/XXXX/16. On XXXX/XXXX/16 they pushed the credit limit up and processed a partial balance transfer of {$7600.00}. They did this after I had already cancelled the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (UT).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: Hello, I signed up for a XXXX credit card a few months ago as part of the checkout process. At the time I was interested in a few furniture purchases and was enticed by their rewards program. 
During the same period, I moved a new address and notified USPS of the change. 
However, I havent received the credit card, any statements or correspondence from XXXX since the beginning. Given the lack of communication, I was unaware of any charges that I may have to pay. 
About a month ago, I was performing a routine credit check on XXXX XXXX and noticed that my credit score has dropped significantly. I noticed that I had some late payments for XXXX. To rectify the matter, I called XXXX customer service and was forwarded to their collection department. I explained the situation to the involved personnel and attempted to offer payment of the intial charge and initial fee. In exchange, I requested them to remove late fees and fix my credit score. However, they refused to engage in any resolution other then full payment including late fees and no engagement on credit score fix. 

Hence, this is my last resort to get this fixed. I have had excellent credit with always on time payments. I am hoping to get back to that. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My request for a payment plan, for my private student loans through Navient, that would result in lower monthly payments was denied. There is no literature that is clearly and plainly available to borrowers describing the terms and limits of repayment options, which leaves borrowers confused and with little to no recourse if their request is denied, as mine was.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is reporting the same account XXXX on my credit report twice account number XXXX. This is a fraudulent account in which I am asking XXXX to please immediately remove. This account belongs to XXXX XXXX not XXXX XXXX. I have attached an incident report, report number XXXX. This fraudulent account has been on my credit report since 2007, which not only makes this a fraudulent account but also an old account. Again, XXXX is fraudently reporting this XXXX account twice. This account does not belong to me, please delete immediately.

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 12/19/2015 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (ND).
Issue: Using a debit or ATM card

Complaint: American Express debit card/Serve card has reduced my account by {$48.00} without any debits to incur this! My balance now reads {$2.00}. I believe it should read {$51.00}. The online balance was {$90.00} on XXXX/XXXX/15. I have a copy of this if you need it. Then on XXXX/XXXX/15 the balance was {$59.00} online. From XXXX the total debits = {$38.00}. I called the company yesterday and the guy who answered me denied there was an inaccuracy. He was VERY mean and TOO argumentative!

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: Hello, After the XXXX  data breach, I used the XXXX website to see if my SSN was impacted ( XXXX XXXX XXXX ). They confirmed that I had been ( although I 've read reports that their system is incorrect more often than not ) I have since been taking steps ( today, XX/XX/2017 ) to add freeze to all of my credit reporting accounts. Across the major three and additional 1one ( XXXX, XXXX, XXXX, and XXXX ), the process has taken me hours with only some success. 

My major complaint is that the time and cost of placing freezes has been arduous. I have already paid multiple institutions for placing the freeze ( XXXX  - {$5.00}, XXXX - {$10.00} ) and both require fees if I ever decide to temporarily lift the freeze. 

I am genuinely confused why agencies that I did not consent to giving my information to are allowed to charge me for them to keep my social security number safe. Why is the default that they can set their own policies with my personal information? Why is opting into a slightly more secure set up ( a freeze ) costing me time, lost income, and fees? 

I realize that I am bringing up a systematic issue, and not a particular one. Regardless, I believe the CFPB is the only organization that can help and I would love to know if that is possible and if there is anything you can do to help me and people like me. 

Thank you in advance for your help and thank you for all that you do!

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 11/19/2017 about Debt collection (I do not know) with Northwest Collectors Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is reporting a negative account on my credit report, and we do n't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. 
I tried resolving the issue with XXXX on XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Also, I sent the company a letter on XXXX/XXXX/XXXX asking for a legal contract and there was no response.

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 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: Trans Union, XXXX XXXX XXXX have allowed fraudulent attacks to my credit reports. I have lost more than 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 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I have mailed 4 certified letters over the past two years in regards to this matter. The most recent letter was mailed XX/XX/XXXX ; US bank has yet to respond nor fix the problem. I have been a model customer aside of my one mishap in XXXX. Since then I have paid every bill on time!

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 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (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: After finishing grad school my student loans came out of defferment. I received a call and i set up a income driven repayment plan. I was told i would that the plan would consolidate all of my loans into 1. However after missing 1 payment for the month of XX/XX/XXXX. The company retroactively went back and applied all payments while in the program as late. So after missing 1 payment for the month of XX/XX/XXXX. Navient reported 3 loans with missed payments for 3 months each for a total of 9 missed payments. XX/XX/XXXX i was enrolled and paid XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX was missed. and

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Money transfer, virtual currency, or money service (Traveler's check or cashier's check) with WELLS FARGO & COMPANY (CA).
Issue: Confusing or missing disclosures

Complaint: I have been a business customer of Wells Fargo since XXXX with multiple accounts, on Tuesday XXXX I received a letter from Wells ( attached ) and a cashiers check for erroneous fees with interest ( reimbursement for one of my wells accounts that was closed, I am still a wells business customer ) Because of the high amount of the cashiers check I called the number on the letter and on the cashiers check and they verified that it was correct. I am still a customer of wells so I went into a branch to speak to a banker about it, they contacted the wells department that issued the cashiers check and the branch manager ( XXXX, XXXX XXXX Branch ) spent 30+ minutes on the phone with the corporate office reviewing my account and they verified that the payment from wells was accurate and it was from the overdraft fee case. I asked for a reconciliation of the payment but they could not provide one but assured me it was accurate. I deposited the cashiers check into my wells business account and once the funds we released and cleared, I proceeded to make payment to creditors of mine and settlement agreements and I released the funds for those payments from my account. The following afternoon I logged into my wells account and found it was XXXX. The cashiers check from wells that cleared was removed by wells with no explanation. With my account XXXX over drawn, I contacted everyone possible and was told that the resolution department is looking into and that they believe it was a bank error and that it happened to hundreds of customers, finally a week later I received a letter in the mail with a " substitute check '' with a notation on it that said it is a legal document to be used in the same way the original cashiers check could be used. I called the automated phone number on the cashiers check and the was told that the item was reported as lost, stolen, or damaged and stopped. I did not report the item as lost stolen or damaged Finally yesterday I received a call from XXXX XXXX from Wells Fargo stating that it was an error but they will bring my account to a XXXX balance and send me a XXXX for the funds. This is appreciated but I am unable to undo the settlement agreements that I made with creditors once I was given the funds from wells Fargo via cashiers check.

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 05/18/2016 about Debt collection (Medical) with Credit Bureau Systems, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently check my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me with any services or goods. I feel that they placed this on my credit report without giving me proper notice which is afforded to me under the law according to the FDCPA 890

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Consumer Loan (Personal line of credit) with ONEMAIN FINANCIAL HOLDINGS, LLC. (FL).
Issue: Account terms and changes

Complaint: I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by SPRINGLEAF FINANCIAL SERVICES on XXXX/XXXX/2016 that I do not recall authorizing. Furthermore, I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: My loan is with Navient and there are several issues. They have XXXX sites and XXXX claim that my payments are different and in XXXX different areas there are three unique payments due. When I call they give me yet another amount due - none match whatsoever and the amount that actualy gets taken from my account is another amount. Nobody gives me an answer and I get the run-around every time. They say one thing and take out another. I make payments and they out them towards other loans that I did not request to pay off which are lower interest. This company is a scam and the people that I deal with are just taking orders without compassion for their customer. I recently got a notice for past due payment and they said it was due to XXXX - how is that my fault? I asked for a manager and they stated that there were no managers on staff at the time of my call which is XXXX on a Wednesday morning!!!!!! How is that possible. Again, this company is corrupt and is taking my money. I do not trust them and have been dealing with them for months now. Its not getting any better, but worse. i need help.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Payday loan () with Enova International, Inc. (MD).
Issue: Charged bank acct wrong day or amt

Complaint: First I just looked into getting a payday loan I never intended to receive any money at the time I wanted the funds just for reserve. I called Cash Net USA to pay off the balance I was told it was XXXX $ that was after paying XXXX that same day. I called to make the final payment of XXXX to it all of a sudden changed to XXXX. I was on the phone with the company for over an hour to get the loan resolved I was put on hold just for the lady to return saying that the payment could n't be processed that it needed a managers approval. Five minutes later she said everything was ok to paid then the total went up to XXXX in a matter of five minutes. I was told that it went through.. I logged onto my bank account to see that both charges processed through my back XXXX in the amount of XXXX and another XXXX in the amount of XXXX. I immediately called them back and they had no record of big transactions now I am fighting to get my money back he statement that I submitted via email which I was told to do was n't good enough.. these people steal people 's money!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Auto debt) with CREDIT CONCEPTS, INC. (WA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I purchased a used vehicle on XXXX XXXX XXXX less than a week later on XXXX XXXX XXXX, I discovered the car developed an engine tick. 

I brought the car back to the dealership for them to repair the vehicle, they told me it needed a new timing belt, water pump, and tensioner, they charged me {$500.00} for the work which I later found out was NEVER done, the car was picked up on XXXX XXXX under the assumption it had been fixed. 

On XXXX XXXX, the engine overheated blowing the radiator on the car. After taking it to a dealership to determine what was TRULY going on with the car. I was informed that the radiator blowing was caused by a warped engine block and ignition coils were firing into the cooling system which caused the car to overheat and blow. They found no evidence of a repair to the timing belt or water pump, the only thing they found was an obscene amount of stopleak in the cooling system which was put in by XXXX to stop the engine tick but caused the radiator to ultimately explode in the end. 

The reason for my CFPB complaint. Was that I called Credit Concepts before getting any repairs done on the car, before I made a down payment, and before I was actually obligated to pay for this car they lied to me over the phone and told me I was, they said that if I did n't pay my payment because I could n't afford the over 10k in repairs on a XXXX car, they told me they would sue me, garnish my checks and damage my credit if I failed to make a payment. I told them over the phone that the dealership lied to them and I never gave a down payment and they still refused to work with me and just continued to keep threatening to sue me, garnish my wages, ruin my credit, and make my life miserable. I am now over 17k in debt for the repairs on this car and the loan itself. The car is only worth less than $ 2k USD with the blown engine it was sold with. I have attached a picture of my phone call history and hi lighted the 3 calls made where they continuously threaten me and refuse to work with me. This entire business is built and run off of ruining innocent people 's credit. I told them I had a less than XXXX XXXX XXXX  infant they put my life and my child 's life in danger. 

I was told by Credit Concepts that all calls are recorded and stored, if they are refusing and denying having access to the calls hi lighted in the attached documents they are purging and deleting evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I signed up citi checking account last XXXX for promotional sign up bonus. Basically I need to deposit $ XXXX new money within 30 days of opening the account. Within 90 days, {$400.00} sign up bonus should be posted in my checking account. However, it has been more than 4 months but the sign up bonus still has n't been posted. Contacted citi many times but it takes forever to give me an solution. NEVER TRUST CITI!

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 11-04-2015 about Mortgage (Other mortgage) with Real Time Resolutions, Inc. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX 2015 a short sale file XXXX lien holder ( Real Time Resolutions ) submitted the file to the investor ( was told XXXX XXXX XXXX ) for possible approval of the short sale. Since then we have been waiting for their answer. We have been waiting over 2 months. In eight years of negotiating short sales I have never seen an answer take this long.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I HAVE NEVER HAD A " TIMESHARE '' WITH ANY COMPANY- I HAVE DISPUTED WITH EQUIFAX SEVERAL TIMES IN REFERENCE TO A COMPANY NAMED XXXX XXXX XXXX THAT HAS MY SOCIAL AND IS REPORTING AN ACCOUNT THAT DOES NOT BELONG TO ME. I HAVE FILED A POLICE REPORT AND THEY REFUSE TO COMPLY WITH THE AUTHORITIES.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: Copy of my letter to the bank -- which was sent to XXXX instead of the XXXX branchTo whom it may concern : I 'm not sure if this email should go to you or not. But you have a branch here in XXXX XXXX, XXXX that is known to be the worst branch in the city of XXXX XXXX. There 's always a long line with XXXX or XXXX of you banking staff either talking to one another and socializing. Yes, I understand that you want your customers to start using online banking or better yet, the ATM machine. Well guess what? The ATM machine was broken today. 

None of your banking staff had the common sense to think that maybe that new teller needs help with the XXXX people in line -- using their lunch time to bank! 

So just to let you know. Terrible customer service. We all stood in line for over half an hour to put our money into your bank. Wow. This bank was a better bank with awesome customer service when it was known as Washington Mutual!

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Credit card) with Atlantic Credit & Finance, Inc. (OR).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I was contacted b y Atlantic Credit and Finance i n  2015  regarding a credit card debt I owed to  XXXX   XXXX  Company.   We resolved the debt and I paid a settlement in good faith in the amount of {$10000.00} on  X/XX/15   .   I took this money out of my 401K.   My complaint is that I was not told this would be considered income by the IRS and the State of Oregon.     As a result, this created an additional tax burden for me and I had no way to arrange for additional withholding since I did not know the amount of debt " forgiven '' would be counted as additional income.   IF I would have known the complete impact of the arrangement I agreed to, I may have preferred to make other arrangements.     I was led to believe there would be no further consequences to my finances once I paid the agreed upon amount. This omission by Atlantic and their representative constitutes bad faith and misrepresentation.     I am still dealing with the IRS and State of Oregon on this issue and it continues to cause financial hardship.     I would appreciate you investigate this action by Atlantic.

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