milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2015 about Bank account or service (Other bank product/service) with U.S. BANCORP (NC).
Issue: Deposits and withdrawals

Complaint: I received a XXXX day late notice on my credit that was reported by US Bank. I disputed with XXXX and XXXX but was told the credit was validated. I was sent to collections for a balance of {$2.00} from an overdraft protection charge from my reserve line credit account. First of all I paid my reserve line in full in XXXX of XXXX and requested it to be closed. I was then charged a {$5.00} overdraft protection fee in XXXX XXXX. Based on their Deposit Account Agreement I had the option to authorize an " opt in '' from my reserve line for overdraft protection but never approved or authorized US Bank to draft from my reserve line for my checking account. The {$5.00} fee was taken from my reserve line and applied as an overdraft fee for my checking account. I included all documentation to show the transactions. I never received any calls of the fee nor emailed or mailed statements. US Bank took the fee out of my account without authorization and ended up crediting back my account the balance and late fees in XXXX of XXXX ... XXXX years since I requested it to be closed. US Bank is also unwilling to correct my credit score as they said the XXXX notice ws valid ... they did remove the XXXX day notice. US Bank has been unwilling to work with me to get this corrected and I feel they reported incorrect info to the credit agencies even after I pointed out their error. Their intentional deception of credit reporting has damaged my credit history and thus would not allow me to qualify for a home loan. I was also told that US Bank could have provided a coutesy removal of late notices but did not contact them in time ... US Bank is deceptive in the credit practices and has taken steps to harm me since this was reported to the CFPB. I also contacted the president of US Bank but XXXX XXXX was unwilling to protect the customer and is willing to allow his company to conduct deceptive and harmful collection and credit practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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: CRA is in violation of FCRA, FDCPA and Metro 2 Compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (IL).
Issue: Taking out the loan or lease

Complaint: On XX/XX/2016 the above documents, XXXX pages total, were mailed to Chief Financial Officer, XXXX XXXX XXXX to Ally Financial XXXX XXXX XXXX, XXXX XXXX. These documents. minus XXXX pages, were stamped Accept for Value, they were also endorsed with my XXXX File # XXXX XXXX Treasury Account #. These documents minus the XXXX stamped pages, XXXX pages total, were returned on XX/XX/2016 in the return letter sent by XXXX XXXX, XXXX XXXX Ally Financial. A XXXX of justice has taken place : 1. Full Disclosure ( I was not told that I was actually creating the credit with my signature ) 2. Equal Consideration ( they brought nothing of value to the table and so have nothing to lose ) 3. Lawful Terms and Conditions ( was actually based on fraud ), and 4. The signatures of both parties ( corporations ca n't sign because they have no Right or Mind to contract since they are soul-less legal fictions, and no third party can sign a contract on their behalf ) ***DULY NOTED : ITEMS XXXX-XXXX WERE NOT RETURNED BY XXXX XXXX , FRAUD INVESTIGATOR FOR ALLY FINANCIAL XXXX XXXX XXXX, XXXX XXXX IN A CORRESPONDENCE DATED XX/XX/2016 AND RECEIVED ON XX/XX/2016. THESE DOCUMENTS WERE MAILED TO ALLY FINANCIAL ON XXXX/XXXX/2016 TO CHIEF FINANCIAL OFFICER, ALLY FINANCIAL XXXX 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 08/16/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax is reporting an account that was previously deleted from my credit report from XXXX, and sold to XXXX XXXX. and they started reporting the account on my credit report without sending out any notices in writing as required under FCRA and FDCPA. I have disputed these alleged account several times alone with documentation showing that this account was previous deleted from my credit report. I contacted XXXX to request verification of the debt after I saw it on my credit report and asked them why they did n't notify me before they placed these alleged accounts on my credit reports. I have documentation that shows a zero balance from another company that had these alleged accounts. I want these alleged accounts removed and not resold to another collection company so it can be placed back on my credit report. The Collection company is also in violation of changing the dates of these alleged accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: on my credit report it shows comenitybank/XXXX as an open account. but this account has been closed for over 6 years.right after this is another XXXX account that is closed. it is the same account. 
incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Debt collection (Auto debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT WITH XXXX XXXX ACCOUNT # XXXX, APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 reporting, credit repair services, or other personal consumer reports (Credit reporting) with GREAT LAKES (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Hello, I hope that someone could help me, I am trying to get a delinquency off of my credit report. I had spoke to someone in XX/XX/ and they had faxed over a forbearance form that should of been for a year and it was sent to me and i submitted it, i know found out that it was for a month and this is the reason why my account went into delinquency from XXXX. I have spoke to the credit bureau, the dept of ed told me to contact great lakes because my account was sent to them when i contact great akes they sent me back to the dept of ed, from there back to great lakes, In XXXX I spoke to great lakes over different times i was told to file a dispute and they would fix it then they didn't. I called back and a representative transferred me to manager which name was XXXX she was very nice but my issue was not resolved because they sent me emails. I do not know if i received them i cant remember but after filling my forbearance and confirmed that they received it i thought i was good. I now still do not have the issue resolved because of me getting the wrong forbearance formed sent. I would like to be helped this is really effecting my credit report and me buying a home for me and my children and i really do not know what else to do. Thank you very much for your time and help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Closing/Cancelling account

Complaint: Went overseas XX/XX/XXXX taking only XXXX credit card : Capital One. I went out of my way to research the best card for travel, especially in terms of rental car insurance and other travel benefits. At some point after being in XXXX I received email that they were sending me another card as they were updating to chip cards. I called and to tell them ( although they already had notice I was overseas ) that I was not at that address and could they send overseas ; I was then at a hotel in XXXX XXXX, XXXX. They said they could send overseas by regular mail. I told them that was not a safe, smart or responsible thing to do and that by the time it arrived ( if it ever arrived ) I would probably not be there. I pleaded to send via XXXX at my cost. The said they would not. Of course I never received the card. I called their customer service several times to say I had not received the card. I was assured my card was still good " till XX/XX/2016 ''. I went into hospital when in XXXX and card was declined. Hospital would not complete treatment until card is approved. Spent over an hour on the phone with them at hospital and finally got payment approved. XX/XX/XXXX I was able to return to US. Before leaving XXXX called Capital One to verify that card would still be honored -- I needed it to rent a car once in US etc etc and again, it was my only credit card. I was assured the card would be honored -- this time I was told it would be honored indefinitely not just till XX/XX/XXXX. Landed at XXXX, took shuttle to XXXX XXXX where I had a reservation and card is declined! Called customer service and they said I should be using my chip card! I explained why I did not have a chip card and explained the assurance I was given before leaving for the US. Agent was able to verify I was given erroneous information by their agent. I asked what they can do to help me, ( esp. as I was in this dilemma due to their errors ) and that I was stranded at XXXX. Even after much pleading, trying to reason with them, they said there was nothing they would do. I ended up getting XXXX to accept a Visa debit card I was also carrying. Just before dropping off car in XXXX I accidentally scraped the rear door and punctured a tire with a rock bordering a parking lot. Only then I realized although I had put it on a Visa card, I had no rental car insurance. If I would have not been given erroneous information by Capital One, or if they had sent me the card overseas as I pleaded, I would not be in this problem. As it is I am waiting for XXXX XXXX to tell me how much I owe them. I imagine it will at least be several hundred dollars.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/14/2017 about Credit card () with Alliance Data Card Services (CA).
Issue: Late fee

Complaint: Upon checking my XXXX Comenity Bank account on XX/XX/XXXX, after notified by a text from XXXX on XX/XX/XXXX and XX/XX/XXXX, I saw a list of late fees and minimum charges on my bank account, totaling up to {$84.00}. This charge should not be here in the first place since I have always make my payments on time ( please check all the statements from before as well as all my credit score if you can get it ). I have scheduled my payment for statement of XX/XX/XXXX ahead of time and selected pay on the due date, which is XX/XX/XXXX. However, the system only posted the payment on XX/XX/XXXX. I would not know this payment was late and only posted in XX/XX/XXXX until Comenity Bank contacted me via text on the XX/XX/XXXX and XX/XX/XXXX. ( I do not touch this account unless I know I have made purchase with it ) I have contacted collection department of Comenity Bank and escalated the issue to upper management, spoke with XXXX and she could removed part of the fee but not all the unjustified charges off my account. 
It is obvious how credit card company 's only way to make their profit is by incurring high dollar charges under various reasons. In this case, the online banking system used by Comenity Bank is at fault, in which it wrongfully posted the payments 2 DAYS later and incurred unnecessary charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been in contact with Navient as well as XXXX, XXXX and XXXX. XXXX has removed some of the accounts but there are still 5 posted on my credit report. XXXX and XXXX have refused to take any of the 6 accounts off of my credit report. I have never signed any agreements with Navient. I have nevwr had a loan with this company. I sent notices since XXXX of 2017 to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I went to the school which is now out of business and have no cerrtifications nor am i qualify to get a job in the field for which i went to school for. i am having problem XXXX the rent, and i had to return to school to get a better job to pay off my debt

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (SC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I received a statement from Citi Bank stating I had a balance due on my Credit Card. I paid the balance in FULL by the due date. I then received a statement with a balance. I contacted Citi bank and they said " that was the balance due from the time they mailed the statement to the time they received payment ''. I did verify that they did receive my payment before the due date. If thats the case, how will I ever pay this off? I go online, my account says " Balance Due '' and provides a due date. If I pay it in full by that date, it should be satisfied. They continue to bill me interest charges. I pull the bill online to get the most up to date information and pay that. Then I receive a bill for interest. I have tried to resolve this with them even by calling and trying to pay in full over the phone. NO LUCK!

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 07/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Law Offices of Stage & Associates PA (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Attorney XXXX XXXX has been sending several threatening foreclosure letters before the date granted by her client XXXX XXXX XXXX HOA for the amount of {$780.00} due no later than XX/XX/XXXX. This payment was paid in full sent on XX/XX/XXXX USPS certified returned mail and was available for pickup XX/XX/XXXX. My check # XXXX {$780.00} was endorsed by XXXX XXXX XXXX HOA president XXXX XXXX on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX HOA dues. I explained to XXXX XXXX that I have a statement from XXXX XXXX XXXX HOA with due date XX/XX/XXXX {$780.00}. She stated her letter dated XX/XX/XXXX for {$820.00} due by XX/XX/XXXX superseded XXXX XXXX XXXX HOA letter dated XX/XX/XXXX for {$780.00} due by XX/XX/XXXX. I am not an attorney but it seems against the law for XXXX companies to collect on the same debt and I believe XXXX XXXX is in violation of the FDCPA. I do believe Attorney XXXX XXXX should have waited after XX/XX/XXXX to start her legal proceeding which would have been understandable. However, Attorney XXXX XXXX continued her collection efforts on a difference of {$44.00} without verifying the accuracy of the debt. To make matters worse, on XX/XX/XXXX I received a voicemail from Attorney XXXX XXXX illegally disclosing that XXXX XXXX XXXX received my payment but she is still collecting on the balance of {$120.00} and that needs to be paid to prevent her from putting a lien of foreclosure on my home. To my understanding XXXX minus XXXX equals XXXX not XXXX. I also received XXXX more letters threatening foreclosure letters from Attorney XXXX XXXX demanding {$390.00} by XX/XX/XXXX and {$760.00} by XX/XX/XXXX. At this time, I have sent Attorney XXXX XXXX a certified letter disputing this debt. I feel I am being harassed by Attorney XXXX XXXX on a debt that was paid in full by the timeframe given by XXXX XXXX XXXX XXXX. At this time, I am in need of your assistance to stop the Law Offices of Stage and Associates, P.A. XXXX XXXX from placing a foreclosure lien on my home and to stop her aggressive attempt on collecting on a debt that I feel I do not owe. I have a copy of all documents mention above and my saved voice mail from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been making payments on my federal student loans since XXXX XXXX. Navient continues to utilize my payments towards interest more than principal even though every month I make more than the minimum payments. After contacting Navient several times, the only answer I can seem to get out of everyone is that they do not know how much will be applied toward interest or principal until after I make the payment and they can see it under my account history. After telling me to look on my monthly statements how much is actually going to each part of my loan, I then go back to my monthly statements and that information is nowhere to be found. I ask Navient to help me find this information on my statements and all their representative can tell me is that she said it 'may ' be located there but that does n't mean it has to be. I have also asked several times for some type of spreadsheet or printout so that I can see ahead of time exactly how much of my payments are being allocated toward principal v. interest and have repeatedly get told I can make one myself but they do not provide that. 

Most recent call was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have requested my credit report from all XXXX agencies. The first time, I tried to do it online and I experienced computer errors, the 2nd time, I called in and followed the pronts. I only got XXXX of the XXXX and when I asked Transunion again, they said they alreadyeady sent me a report. I do not have a report from Transunion and I advised them of that and they still have not sent me my free annual credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: DPT OF TREASURY XXXX XXXX XXXX XXXX, XXXX, XXXX.XXXX XXXX. PUT XXXX CHARGES THAT I PAID AT VA HOSPITAL THE DAY I GOT MED THEY HELD EACH OVER AND PUT THEM ON MY CREDIT PROFILE AFTER I HAD PAID THEM STATING PAYMENT AFTER CHARGE OFF/COLLECTION /PAID COLLECTION. I NEED MY CREDIT I HAVE. THIS IS CREATING ME PROBLEMS OF BAD CREDIT. PLEASE HELP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FOR {$72.00}, XXXX FOR {$56.00}. BOTH PAID BY CHECK AT VA XXXX. I NEED THESE REMOVED TO IMPROVE MY CREDIT. WHEN BILLED I PAY MY BILLS. PHONE:XXXX. I STILL AM FED LAW ENFORCEMENT OFFICER FROM XXXX. NOT AFRAID TO PUBLISH WHAT I HAVE AS ALL INFO SEEKERS ARE ACCOUNTED FOR BY XXXX, COMP ID BY THE SECURTIES I HAVE.

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 11/27/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Other

Complaint: Walmart/synchrony bank account XXXX. Opened XXXX. My acct was closed on XXXX 2011 because it was delinquent then in XXXX I set up a payment plan of XXXX payments of {$100.00} every two weeks to pay off my credit card debt. My credit reflects that the account was charged off and sold to a collection agency. This debt was paid in full and should have revered been sent to a collection agency. This account is reporting inaccurate information and I would like it to be removed from all XXXX credit reports. I will follow up with a complaint to the Florida XXXX and the Florida office XXXX for a complete investigations and account records.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: The bank placed my check deposit on hold for a week. I deposited a check on XX/XX/XXXX, but the bank would not make the funds available until XX/XX/XXXX.
I have contacted the bank multiple times to resolve the issue, to no avail.

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 11/14/2015 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (DE).
Issue: Taking out the loan or lease

Complaint: I took out a loan with One Main Financial and they said that my payment was going to be {$180.00} dollars a month, but when I went online to look at my account summary my payment was only {$130.00} a month. I called them to asked about it but was told to call back, and I called back and was told that they would call me, but I never got that call

Company response to consumer: Closed with explanation