milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have auto inquiries on my credit score that I never gave my consent to

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I HAVE CALLED THE CREDIT BUREAUS AND THE CREDITORS AS SOON AS I FOUND OUT ABOUT THE FRAUDULENT ACCOUNTS : ( XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX BANK XXXX XXXX # XXXX XXXX. I WAS ADVISED TO GO TO THE POLICE STATION AND REPORT THE IDENTITY THEFT, WHICH I DID AND I HAVE SENT THE POLICE REPORT TO THE CREDITORS AND ALL THE BUREAUS AS PROOF OF IDENTITY THEFT. I HAVE DISPUTED THE ABOVE ACCOUNTS AND THE CREDIT BUREAUS HAVE RESPONDED BY NOT REMOVING THE ABOVE ITEMS. THE ACCOUNTS ARE FRAUDULENT AND THEY SHOULD BE IMMEDIATELY REMOVED. I HAVE ATTACHED THE POLICE REPORT AS PROOF OF FRAUD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2017 about Bank account or service (Other bank product/service) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Account opening, closing, or management

Complaint: 1 -On XXXX XXXX, I received an email from 5/3 Bank stating that a {$250.00} cash bonus would be earned if one would " Deposit {$25000.00} or more in new balances into a new or existing Relationship Money Market account by XXXX/XXXX/XXXX. '' The other condition listed was that the balance would need to be maintained until XXXX/XXXX/XXXX to earn the bonus. 
2 - On XXXX XXXX, a deposit for {$25.00} was made. 
3 - Statement covering from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX did not show bonus. 
4 - A call to the phone number listed in the original email resulted in my being told I should receive a call by XXXX/XXXX/XXXX to let me know of the status. That call was never received. 
5 - A visit to the " XXXX XXXX '' branch where this account was opened and the required deposit was made led to a bank employee calling on my behalf. The employee was told that I would not receive the bonus. 

That is basically the situation. If any further information, documentation, etc. is needed, please contact me. Thanks in advance for your help in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/22/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 explanation
Consumer complaint received 03/21/2017 about Credit card () with CITIBANK, N.A. (DE).
Issue: Delinquent account

Complaint: I purchased two dresses from Macy 's totaling {$260.00}. Bill was due XX/XX/2017. I returned both dresses on XX/XX/XXXX for full credit which XXXX out the balance - and with enough time to be reflected on my next bill. But, when the next bill came in there was a Late Fee of {$27.00} and a Delinquent account status even though the bill clearly shows full credit of the previous month 's balance. There were NO interest charges -which means their system knows it was paid in full - but still applies a late charge and delinquency. Nothing was owed - the full balance from the previous month was XXXX out. I called and they told me I had to pay even though the full credit covered the balance. I advised the agent that paying would have caused a credit balance of {$260.00} and she said no it would n't??!! Then they told me I had to pay the new charge made on XX/XX/XXXX of {$37.00} to remove the late fee and delinquency even though it is not due until XX/XX/XXXX. I asked for a supervisor who told me the same thing and stuck to the same story??!! Then I tried to use their online system which is so horrible to use - the chat function does not work - the email system provided an auto response with no information on when they would get back to me. They are ruining my perfect credit score and trying to make me pay the {$27.00} late fee. Please help. This is a scam - who pays when there is NO balance? How many others have they charged a late fee to when no balance was due? The fact that no interest charges were applied shows that this system is flawed.

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 Alliance Data Card Services (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hi, I have some hard inquires in my credit report that I didn't ask for, accounts that were closed on good standing that look open and some collections that are not looking accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WY).
Issue: Application, originator, mortgage broker

Complaint: Mortgage loan specialist asked for 2 years of tax returns which I provided to them on behalf of my husband. Next she had my husband sign a XXXX form which requests transcripts of those tax returns from the IRS. I realize the mortgage process does this to ensure that the documents I submit have not been altered. However, when I read through the XXXX document it was prefilled to request 4 years of transcripts from the IRS. Not only did it request XX/XX/XXXX and XX/XX/XXXX which the bank VERBALLY said my husband would need to provide to them in order to approve the loan, but it also requested XX/XX/XXXX and XX/XX/XXXX transcripts. I asked the Mortgage processor if they needed 4 years of tax returns and she assured me that they did not. I then requested that they would have to change the prefilled form to reflect only 2 years of transcripts before I would sign and she refused. She said there was no way to change the form. I told her that someone in the Wells Fargo online e-forms department had access to that form and it shouldnt be hard to change it, but again, she refused. I told her that was dishonest on the part of Wells Fargo to verbally request 2 years of tax returns and then in printed form give themselves permission to 4. If they verbally say they do not need 4 years of my tax returns then I feel it is criminal behavior for them to provide a form that is PREFILLED that requires a signature in order to proceed, that gives them access to 4 years of financial records. This is a total breech of privacy and I feel Wells Fargo should not be able to continue this criminal behavior.

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 05/29/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Application, originator, mortgage broker

Complaint: Why is the Federal Government supporting the new 3 % mortgage downpayment products recently being offered by Wells Fargo and XXXX? This is exactly what caused the housing crisis bubble which caused the 10 year depression we are just recovering from. There is no way that XXXX XXXX and XXXX XXXX should again be involved in underwriting these risky loans ... .Your organization should be fighting this new movement back to risky loans and business practices on the backs of taxpayers. I have already written my Senators and Congressman to step in and escalate this new movement so it 's more transparent to everyone ... ..please have someone in authority do something before it gets out of control ... and we all know it will! 
Regards, XXXX NC

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 02-08-2017 about Credit reporting () with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Bank of America changed the status of account from closed, XX/XX/XXXX to open, late as of XX/XX/XXXX. Score plummeted as a result.

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 05/20/2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This Collection age ncy Company Cavalry Port h as failed to provide proper verification of the account they brought from  XXXX   XXXX   XXXX . This company has not and could not provide information like documents bearing  my signature that I owe ( {$540.00} ) to them or to any company. I want signed  documentations from this company saying that I owe the amount they are trying to collect. I have written letters  to Cavalry Port about providing proof of documentation bearing my signature that the account belongs to me. They said the account was sold to this company Cavalry Port. Dont matter the original creditor have the same account number as the   collection agency.  XXXX  and  Cavalry Port different companies have on my credit report. I feel they are trying to be smart by having the same account number under two different com panies on my credit report which neither provided proof of documentation bearing my signature stating that I ow e ( {$540.00} ) the n all files under my name and my social security number on my credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it doesnt prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had  XXXX ,  XXXX , and   XXXX    to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report. A person or person should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court In my state and city to clear this matter up with this company. I want validation of this account bearing  my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted immediately. I will be suing the company if no validation is proven bearing my signature for ( {$5000.00} ) in damages 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (CO).
Issue: Delinquent account

Complaint: I had a credit card through USAA, it was an XXXX XXXX card. I have always paid the credit on time and usually pay more than the minimum balance, so they have a minimum payment of {$00.00} due each month. XX/XX/2016 they put a minimum payment due of {$15.00}, of which I was not aware of because I have not had a minimum payment due in over a year and beyond. On XXXX XXXX, I got a phone call from a USAA collection agent requesting me to pay the over due balance. I paid the balance in full and requested them to reverse the 60 day late payment on my credit report. They refused to reverse the derogatory item from my credit report. I have not had a minimum payment due on this credit card for a very long time, so, I never thought they would install a {$15.00} minimum due. Therefore, I do n't feel this is a fair way to treat a consumer who has always paid this credit card on time. I want to file a complaint on how USAA 's no minimum payment due for many months / years and to instill a minimum due without alerting the consumer is not fair treatment. This {$15.00} minimum due that is 60 days late will now greatly impact my credit score, again which is not fair to me the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Credit card () with U.S. BANCORP (CA).
Issue: Credit determination

Complaint: Hello Dear CFPB I want to share my experience and complaint regarding very unfair and bias way i was treated by US BANK and there employees a specially XXXX XXXX in Fraud Department. On XXXX XXXX XX/XX/2015 I received offer from US bank to apply Cash plus Visa Signature card. After a lit bit thoughts i decided to apply as i did not have any relationship with US BANK and wanted to start because the card had a lot of reward and other perks. After applying my application went directly to FRAUD department which was really very weird and i surprised for me. making long story short i contacted Us bank and was Welcomed by VERY RUDE Disrespectful person name XXXX XXXX who was from beginning start accusing me that i will take this card spend and never pay them back even though i have VERY exceptional credit and I 'm very responsible borrower having just used 2 percent of my total available credit NEVER been Late and doing all my best to Never have any delinquent or negative mark in my credit. XXXX XXXX start making assumptions that im high risk that i have available credit and and because i do n't have balance XXXX day i might take all credit available to me spend and never pay back. I have great job great credit and i was treated very very biased and i do n't afraid use word maybe even discriminated. I ask him politely to speak to supervisor and he did n't wanted to transfer by saying on behalf of supervisor that supposedly he would tell me same thing but after me pressing him he finally transfered me where i left message and never got all back. Couple days later i received this letter the reasons of my application denial which is completely false all reasons. i attached to see all of them and also im happy to send my updated credit bureau with XXXX XXXX which shos i have VERY EXCEPTIONAL CREDIT the same credit which they rated XXXX score XXXX they denied me credit based on all false injustice reasons. Im giving my consent to please investigate and know the TRUE on my behalf dear Consumer Financial Protection Bureau. All this process was VERY UNFAIR BIASED AND IM SURE I WILL CLEAR MY NAME BECAUSE MY CREDIT CARD APPLICATION WAS NOT SUPPOSE TO BE IN FRAUD DEPARTMENT IN FIRST PLACE. Please assist me to find justice and to credit equal access to credit based not on any type of XXXX religion or national origination but based on facts and the facts are i have as i stated very exceptional credit great job and income and still my application goes to fraud department for no resaon. thank you very much

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Checking account fees. I had {$9.00} available in my checking account. So I deposited a personal check to my checking account of {$250.00}. Bank of America released the funds for me to use immediately. So I used them. Two days later on   XXXX / XXXX /20  17 t he bank decided to place a 10 day hold on that check. This caused my account to now be " overdrawn. '' At this point, they charged a {$12.00} fee for transferring funds from my checking account to cover that  ( after 20 minutes o n the phone with a supervisor, I got that {$12.00} fee reversed ). There was not enough in my savings account to cover all the amount overdrawn, so after 5 days of being overdrawn, there will be a {$35.00} " extended overdraft fee '' charged that they said ca n't be reversed. From my perspective, the bank released the funds for me to use and took them away 2 days later just so they could charge me more fees and tell me there is nothing I can do about it. This feels like a purposeful entrapment policy. Also, the check is good and the funds will eventually be released. It 's just the fees I will be charged in the interim.

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 08/18/2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had a strange bankruptcy. My attorney filed a Chapter XXXX that was converted to a Chapter XXXX. Before the Chapter XXXX could be finalized I had a change in income and voluntarily went back to a Chapter XXXX. The Chapter XXXX was voluntarily dismissed. I received no benefit from the Chapter XXXX. Because it is public record it is being shown on my credit report. Lowering my credit score. I completed the Chapter XXXX and all chapters are closed. The XXXX has dropped off my credit report but they refuse to remove the Chapter XXXX for ten years. This is unfair. I did n't benefit in any way from filing the Chapter XXXX and that is n't fair credit reporting. I have the paperwork from the courts saying neither party shall be harmed. I did exactly what the court ordered me to do. I submitted the paperwork showing this and how all the dates coincide. There was only one true bankruptcy. It was completed and discharged. XXXX dropped it off my credit. Equifax said no. XXXX is pending.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Mortgage (FHA mortgage) with MONEY SOURCE, THE (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX I bought a house. I do not speak English ( someone is helping me right now ). The house needed work but I was told by seller and the person working with the seller that it will be finished. However I was guaranteed that the certificate of occupancy was fine and they will finish while I lived there. The seller bought the house in XX/XX/XXXX for {$48000.00}, and sold it to me one year later for {$300000.00}. There was no realtor, and no attorney. The person working with the seller was XXXX XXXX. He plead guilty of a XXXX mortgage fraud in XX/XX/XXXX. He filled all my mortgage documents, he also applied for my loan. I have a video recording of me speaking with him, as well as an online chat in XXXX regarding my mortgage. He guide me through the whole process and I thought he was helping me. At the end it was a scam and the house was unlivable. The appraisal was never done. I have requested a copy and the lender can not find it. I am sure that the seller and XXXX XXXX made it all up with help with the lender. It took me 3 months to fix the house and get permits to be allowed to live there by the city. I had to take loans for {$15000.00} to pay as well as paying my rent. I was unable to pay my mortgage. Now I am in foreclosure. I can pay my mortgage, but the lender will not let me apply for a modification. I was taken advantage off. I want to stay in the house. I can pay my loan. All I need a fair chance for a modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Debt collection (Payday loan) with Clearview Resolution Services (TN).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: Clearview Resolution Services XXXX lied to my daughter, by saying she would be required to attend financial education classes at {$50.00} per class for several weeks if she did not pay {$500.00} XXXX. This was a XXXX loan, and my daughter was now XXXX. My wife used a credit card to make payment for my daughter. They provided no information by mail or email that there was any class requirements or judgements.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Mortgage (Home equity loan or line of credit) with PHH Mortgage Services Corporation (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my home & was given funds to make a principal only payment on my 2nd mortgage. My 2nd mortgage is with PHH Mortgage. I make my regular payments to this company through my bank bill pay system. If you want to make an additional principal payment you must submit a check & a payment coupon. The regular payment ( from my bank ) was received by PHH on XXXX, the check I sent for principal only received XXXX. Because the check was processed first they took my regular payment out of that & applied the remainder to principal! When my bill pay payment came, they applied it to XXXX! When I was trying to talk to the agent this morning, she said that is the way it goes & I told her that no, the bank needs to reverse the payment for XXXX & apply it to XXXX & credit my account for an additional $ XXXX in principal payment. This company has been completely difficult in all dealings for about 10 years. What, if anything can I do? They say this " reversal '' can take up to 30 days!

Company response to consumer: Closed with explanation