milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/16/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: JCP  Credit Card abusive tactics : On   XX/XX/XXXX   I purchased several items with the credit card and pay the bill in cash before leaving t o Puerto Rico for  several weeks.     When I returned it was already past due. I tried searching for my receipt and I was unable to find it.     They called from multiple numbers with a per-recording stating that I was going to be recorded. They did not identified them self when I asked. There is a lot of fraud going on with these types of calls so I did not provide information or payment. These calls were at all hours from different  XXXX  numbers or area cods.      JCP c redit ca rd ( Synchrony Bank ) de creased my credit limit from  XXXX  to to the amount I owed plus the over charge fee, in order to hit me with additional charges. So instead of just reporting a late payment, by decreasing my credit limit they charged the highest fee and damage my credit twice.     Instead of {$45.00} dollar credit, I ended up paying aroun d  XXXX  JCP ta  kes  no responsibility and just tells you to call : Synchrony Bank  XXXX   XXXX   XXXX .  XXXX   XXXX   ,  OH  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 03-08-2016 about Mortgage (Other mortgage) with M&T BANK CORPORATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Back at the time that XXXX sold our mortgage to M & T Bank, we have had nothing but problems. On XXXX XXXX, 2015, I received a letter from them that my mortgage was being raised by {$400.00} a month due to them not takinig care of the insurance the way they should. They received information 6 months before and put it in a file until they felt like it was time to review everything. I contacted them about this and there was nothing that they were willing to do in order to correct it. They said that it is policy and that we have to live with it. This put a financial strain on us anyway due to my partner 's health and my daughter who is in XXXX due to neglect in a group home that almost killed her. She has moved back home for us to take care of the rest of her life due to XXXX XXXX and the XXXX. M & T bank has always been a huge disappointment and we had never even heard of them until our mortgage went to them without our knowledge. M & T has never been on the side of the consumer. It is all about the almighty buck to them. I would not recommend them to anyone ever.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I AM UNABLE TO OBTAIN CREDIT FROM ANY SOURCE SINCE COMPANIES WHO REQUEST MY CREDIT HISTORY RECEIVE NO HITS ON EQUIFAX OR XXXX. THEY ARE TELLING ME THAT I DONT HAVE ANY CREDIT. I 'VE HAD MY SS # FOR OVER 2 YEARS AND HAVE AN OPEN CREDIT CARD IN GOOD STANDING ORDER WITH XXXX AND HAVE A SCORE OF XXXX IN XXXX. I NEED TO KNOW HOW I CAN FIX THIS SINCE I NEED TO ESTABLISH CREDIT HISTORY BUT I 'M UNABLE TO DO SO IN THESE CIRCUMSTANCES

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Debt collection (I do not know) with Northstar Location Services, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a call on my cell phone from Northstar Location Services out of XXXX, NY. They were attempting to contact my niece who does not live with me and with whom I have not spoken in many months. Within a minute of that call, they called her mother. They also called the landline of her Grandmother and Grandfather and both of their cell phones within minutes of the other calls. My niece did not give out our numbers as contact numbers. The debt collector told me he found our numbers by doing a search. I have never heard of all a person 's family members being called related to an adult 's debt.

Company response to consumer: Closed
Consumer complaint received 10-03-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (RI).
Issue: Deposits and withdrawals

Complaint: Unknown withdrawal from my account for {$220.00} send through XXXX. What do I do? I believe someone has access to my account. Will I be able to review a refund?

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 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hi, My Credit report show old collection which was close on XX/XX/XXXX. Since then no update has been happen, Even today its showing pending balance of {$3300.00}. Due to this my credit history is bad, and many time I rejected for personal and housing loan. Also paid almost 6.5 % interest for car loan. That time I was not aware root cause. 
Because of this issue I been denied for housing loan, in XX/XX/XXXX. That time house cost was XXXX, now same house cost increased to XXXX. Loan was denied at the time of disbursement, before that I paid initial token moth XXXX. After 2-3 months follow up I lost the deal. Since then I paid almost XXXX/month rent which is total close to 75000 plus. 
When I apply for personal loan then I realize the root cause of denial.

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 02/23/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS PAYMENTS WERE NEVER MADE ON THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am complaining about how XXXX is handling a mistake that they made which is affecting my credit, as they are not making any effort to resolve the issue after several months of attempts by me to get to resolved. All of the effort is on me to get them to fix their mistake. I already had XXXX service in XXXX with XXXX lines. After making sure the service worked OK, I ported my XXXX XXXX numbers to XXXX. In XXXX XXXX, I wanted to add a XXXX line to my Family Plan, where a XXXX line would be only {$10.00} per month, plus the cost of financing the cheapest smartphone ( adding about {$5.00} per month XXXX. I did this in a store. They made a mistake and created a new account instead of adding to my existing account. When I realized this, I called to get it corrected. Instead of moving the phone and service over, they billed me for the phone and calling plan in its entirety, as though I wanted a new phone and a one month plan. Even after XXXX months, that barely comes to {$170.00}, but their billing to me was for a single month of service and the phone. I called again and thought it was resolved. Meanwhile, the XXXX line was working on my Family Plan. Then, in XXXX XXXX, I got a collection notice. I will summarize the rest in saying I made literally hours of calls multiple times, and in XXXX cases got escalated to " supervisors '' that said they understood and could resolve the issue. Nothing has been done. XXXX reps claim that the charges have been " validated '', meaning they did nothing to look into it. XXXX isolates that credit group from the public so there is no way to speak with them, and there is no way to get it resolve. I have sent a written dispute and they changed to yet another collection company ( that is owned by XXXX ), and they are offering no time to resolution nor anyone to contact. After XXXX months and hours of my time, my credit is still affected and I can not make a home purchase. Their reps have no clue what to do, and their hidden " accounts receivable '' or " collection '' group does nothing. This should not be legal, and their mistake should not be my burden to exert such effort for. If I charged them how they charge me, they should owe me about {$150.00}. I am filing a complaint because there needs to be repercussions for this sort of behavior. My only other option appears to be suing them, but with that, there is no record of a consumer complaint. I have paperwork supporting my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Bank account or service (Checking account) with KEYCORP (WA).
Issue: Account opening, closing, or management

Complaint: I opened a new checking account at Key bank after I received a mail saying if I opened a new account and set up direct deposit, I would get how much cash credited to my checking account. 
I waited and waited, after I opened the account [ and did everything they told me to do ], but no credit appeared in my account. I inquired many times by phone and in person, every time I was told [ in XXXX, XXXX, and XXXX ], just be a little more patient, it will come. But it has been 5 months since I opened the account, no credit was received. Finally the last few days, when I called the bank I was told no credit was forth-coming. I wasted a ton of time, I feel very cheated by this bank! 
Do n't know how many other people, they did the same thing to?

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (NY).
Issue: Problems when you are unable to pay

Complaint: I finance a car with Kia Motor finance, sense XXXX until now. They been accusing me of non-payment. They been charging me late fee with three to five days late. They not suppose to been charging unless I 'm ten days late. It 's been going on for years they been robbing me out. Every single month of this year I 'll been paying them, and they claim I have n't. I even did a three-way call with my bank to them to proof payments was made. They constantly keep calling me sending threaten letter that they going to repossess my car if I do n't pay them but I did. They keep harassing me by phone everyday, I 'm becoming so stress of they lies. It 's been XXXX dealing with them, I need your help if possible. so they wo n't repossess my car from they wrong doing and dumb mistake. Honestly I believe do n't owe they no more money, after late charging that I had paid and it was n't 10 days late. XXXX month they claim I did n't pay them at all. But they forgot they had gave me a grace period and they using that against me. This after I loss my job in XXXX XXXX, but I still been paying some how some way its a shame making pay unnecessary late charges, they robbing me. So far I gave them {$15000.00} dollars, for the past five years, but they got me for only XXXX saying I owe them {$4000.00} dollars more and the loan will be paid up. My car was up for XXXX XX/XX/XXXX brand new when I brought and now I 'm paying for more then what it worth dealing these rotten people.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. ().
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: citi bank customer service supervisor XXXX very rude to me. I asked for she honor her promised me to match the offer XXXX bonus mileage back after XXXX spending on my Citi Busniess AAdvatange credit card. but she denied it to 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 non-monetary relief
Consumer complaint received 07-01-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problems caused by my funds being low

Complaint: To whom it May Concern, I, XXXX XXXX, hereby declare that I have been a loyal customer of bank of America since 1998. I have changed accounts four times for security reasons, but I never left my bank. It has been about ten months or so since that the overdraft fees that bank of America charges have become outrageous. Bank of America reorders debit card transactions/e-bill payments and withdraws in various ways ( usually placing the higher amounts first that will leave customers with negative balances XXXX, therefore ; the average client will be left with more than a few costly overdraft fees. Every time I have called to complain about how my available balance changes from day to day, the supervisors and customer representatives tell me that the automatic system rearrange transactions in different ways. Sometimes the automatic system will process larger transactions first and others the system will not process transactions correctly over the weekend. Consequently, on Monday morning the average costumer will be surprised with a bunch of overdraft fees. I have asked supervisors and customer reps to amend the mistakes that the automatic service makes. Some managers will waive a few charges. Others, like the last supervisor I spoke with will tell me that if I balance my account using my phone or a computer, I am destined to pay overdraft fees every week. If that is the truth, why does bank of America promotes mobile applications, online banking usage and online statements? Then, to make it more ridiculous the supervisor told me that if I kept doing my balance using paper and pencil and comparing it with my online balance, I was also destined to be charged hundreds of dollars in overdraft fees. Supervisors keep talking about the automatic service and blaming it for all overdraft fees like the automatic service is an electronic device that ca n't be handled by human beings ( it has its own mind ). My sister who was a loyal customer for XXXX years of Bank of America left the bank because of the same reason : Bank of America is rearranging deposits and withdraws anyway they want, so they can make millions charging overdraft fees. Something has to be done to stop Bank of America for charging overdraft fees in order to increase costs to average consumers for their benefit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/18/2018 about Debt collection (I do not know) with American Coradius International LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: American Coradius International has been calling family members and harassing them about a " XXXX '' credit debit they say I owe. I do n't have a XXXX account, I 've never had a XXXX account and I 've never had XXXX credit. I am a victim of identity theft. In the past two years several accounts were opened in my name after my identity documents were stolen from my apartment. I have attached a copy of the police report to this complaint as well as copies from other creditors that did their own independent investigations and found I was a victim of identity theft and the FTC Affidavit of identity theft. I will attach XXXX to this complaint to inform them of the complaint. 

American Coradius International is not to contact me by phone again or make any attempts to reach me by phone again.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Debt collection (I do not know) with Debt Recovery Solutions, LLC (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received XXXX threatening letters from Debt Recovery Solutions, LLS, with a contact name of XXXX XXXX. Both letters claim they purchased my debt from XXXX, a place in which I have NEVER had a credit card or any type of debt. In both letters, they prompt me to pay immediately, etc., at the bottom there is a spot in which you can enter your credit card number for payment, and you also have the option to pay online. This is an extremely unfair and bullying type of practice. Plus this debt is not even mine. If they are going to send out letter such as these, is it legal to send this type of letter without including legitimate proof of the debt?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have been communication with XXXX XXXX XXXX for the past few weeks requesting written proof that my debt has been paid off and they keep ignoring my requests. They keep telling me to call in three business days and when i call they still deny to provide me with proof and tell me to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Student loan (Non-federal student loan) with DISCOVER BANK (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Hello, I graduated from XXXX XXXX XXXX in XXXX NY in 2004. I have been paying on the loan for the past 12 years, have paid off very little principal, the interest is adding too fast. I would like to get these loans forgiven because the school has gone out of business, the degree has no accreditation and no respect in the work world. I was defrauded by this company. I have federal loans from XXXX XXXX, and private loans with Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I recently received a notification from a credit monitoring site I utilize that new information was added to my credit report. Upon further investigation I noticed some discrepancies being reported by a collection agency called XXXX XXXX XXXX. There was an amount and open date change for this previously disputed account, which from my understanding is called " reaging '' and is illegal according to the FCRA. XXXX XXXX XXXX added a new collection account to my credit for a previously disputed and removed account with XXXX XXXX. This account was resold and is now being reported by XXXX XXXX XXXX incorrectly and without any proper validation. I have enclosed photos of the previous and current information being reported by these collection agencies. I would like to have this account reviewed and removed from my credit report immediately due to inaccuracies and illegal practices.

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 12/16/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with DISCOVER BANK (CA).
Issue: Getting a line of credit

Complaint: Told me it will fix my credit but denied me still and waisted my time I need to be having my credit fixed with real reasons of why I should have stuff in my credit

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I discovered that I was the victim of identity theft on XX/XX/2015, most likely due to the XXXX breach. I immediately placed a fraud alert on my credit reports and called the creditors. I also requested copies of my credit reports from the XXXX CRAs. I filed a police report on XX/XX/2015, as well as an FTC Complaint. 

I mailed a letter on XX/XX/2015 to Equifax, detailing the information on my credit report that was due to identity theft. This included: XXXX revolving accounts/credit cards that were not mine, XXXX inquiries that were not mine and that I did not authorize, and an address that was not mine. I based this letter off of the FTC guidelines and included the following as enclosures: the police report, the FTC Identity Theft Affidavit, proof of identity, my credit report identifying the information to be corrected/blocked, and a copy of FATCA 15 U.S.C. 1681c-2. I requested that the fraudulent/incorrect information be blocked with XXXX business days, in accordance with FACTA. 

I mailed the letter to Equifax certified mail, return receipt requested, on XX/XX/2015 It was signed for on XX/XX/2015, according to the return receipt. On XX/XX/2015, I received an automated email from Equifax, stating that my reinvestigation was started and that it could take up to XXXX days to complete. I checked my credit report on XX/XX/2015, and found that all of the fraudulent/incorrect information was still being reported. I called Equifax that day and was transferred many times before being connected to the fraud department. I explained that this was not a regular FCRA dispute, but a FACTA dispute resulting from identity theft. I cited FACTA 15 U.S.C. 1681c-2 and stated that the information should have already been blocked, as it was governed by a XXXX day timeline, not a XXXX day timeline. I was told that they were waiting on a response from the creditors. I explained that this was their responsibility, not the creditors, and that it had to be blocked while they investigated. However, the Equifax representative repeatedly said there was nothing they could do at this time and offered me the address to their legal dept. 

As of this date, XX/XX/2015, the items continue to be reported on my Equifax credit report, 16 days and 12 business days after receiving notification. I am in need of a new car, but I cannot apply for an auto loan with these fraudulent accounts and inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2015 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (NC).
Issue: Account opening, closing, or management

Complaint: Alleging unlawful fraudulent Conduct,Bank accounts,Stocks Bonds,Escrow accounts,Arch payments,ect

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