milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (AL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX I deposited my paycheck via an ATM. The ATM took my check but failed to offer a receipt, leaving me in doubt as to whether the amount was credited to my account. We had severe winter weather for the next 4 days, and most businesses were closed. On Wed XX/XX/XXXX I called the bank 's customer service line to ask why the deposit had not been credited. The agent confirmed that the ATM " did n't register '' my transaction. He started a " disputes process '' that he said would lead to my deposit being credited. I was surprised to learn that this would not involve any non-routine action by the bank. Instead I must wait until their next routine reconciliation of ATM deposits, which happens every 10 days. He was unable to tell me when the reconciliation would occur. I have waited and checked my account balance each day, hoping my deposit will be credited before bills come due. My wife and I called again today, and after many dead ends on voicemail, spoke to an agent in an undisclosed remote location who had nothing new to report. I finally received a call back from the local branch, in response to an earlier call. ( The bank 's customer service line does not allow contacting the local branch, and XXXX local numbers are not published. I would not have known how to contact them if my wife had not saved a business card. ) I learned that the local branch has means to retrieve the check and " manually deposit '' it without waiting for the routine reconciliation process. The branch employee acted promptly to find the check and deposit it. I still have not seen the deposit credited but am hopeful that it will happen within 12 hours. I was dismayed to learn that the routine ATM check may have happened 3 days ago but there was apparently no action taken about my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-10-2017 about Payday loan () with CURO Intermediate Holdings (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a payday loan for Speedy Cash for XXXX and my fees and everything went to XXXX, I was n't expecting those charges

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a loan financed through XXXX XX/XX/2015 but the car had a number of issues and I tried to return the car but the dealership did n't want to give me my money back. I tried to take it back prior to 30 days but to no avail. I refused to make the payment and knew that they would pick it up then and they did pick it up around XX/XX/XXXX ( 10 days after payment due ) at about XXXX some XXXX man beat incessantly on my door and demanded the keys and for me to remove anything that I had out of the car. I immediately cancelled the insurance and the registration with the DMV and XXXX XXXX XXXX. I expected to see a rep on my credit report and I would have been able to get another car but the finance company keeps reporting that there is an open loan and that it is current making it impossible for me to get a car loan. I have tried since XX/XX/2015 ( date I first learned of open loan ) and every month since. XXXX XXXX has been contacted several times and keep giving me the run around and the last time i contacted them was on XX/XX/XXXX and was told that the loan never funded and to contact the dealership. I am getting the runaround from both XXXX and XXXX XXXX XXXX in XXXX, Georgia. Lastly, Equifax is equally as complicit as XXXX and XXXX XXXX XXXX as they have perpetuated a lie by claiming that they verified with the source and that it is correct. The address of the creditor is n't even correct so I know they have n't contacted anyone. I also know that they profit from negative information so it is in their best interest to continue to promote this deceit.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not have that much information because it is at the beginning stage. I received a call from XXXX XXXX XXXX. Stating that i had an unpaid credit card from XXXX XXXX XXXX, and now it is in the collections stage. They said it was opened in 2015 on XXXX XXXX. This was the only information i received from them. After stating i was not going to confirm or deny any of my personal information over the phone they stated they would remove my number from the account. After I got off the phone i contacted the bank directly. I had them look up any information associate with my name and they could not find any such information. This company had my social information, but incorrect birth date and incorrect address. I looked at my credit report and no such charge was stated or occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Blakely-Witt and Associates, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XXXX 2009, I signed a XXXX lease with XXXX for my cousin. When the XXXX month term was up, I extended the lease for XXXX additional months, and she moved out when the lease was up. When I learned about the collection, I quickly contacted XXXX who verified that I did not owe them a XXXX. I 've attempted to contact BLAKELY-WITT in writing but I have not received correspondence form them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hi, I pulled my report and found out that there were late payments showing from the company below. 

XXXX XXXX  account number XXXX I was never late 30 or 60 days on this account when it was active.I figured it must have been some sort of billing error on their part. 

I have tried to take care of this matter with the creditor and the three credit bureaus and noone has yet respond. When I tried to resolved this matter the company keep stalling. I have been dealing with this matter for sometime now and you guys are my last option please help 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 05/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I noticed a debt collection on my Transunion credit report that was inaccurate. I disputed it and the following day I received a call from debt collector. When I questioned the debt, he became rude and disrespectful. He also used offensive language and threatened me. After speaking with debt collector I called original creditor to validate debt and they had no record of debt. I faxed the debt collector a validation letter and received a call from debt collector saying my 30 days were up. I never received any letter or call before I disputed debt. The dispute came back as VERIFIED, NO CHANGE. I called Transunion to question the results and I was told to dispute it again. Once again I received threatening calls from debt collector. After a couple of weeks I received result of dispute and once again it stated VERIFIED, NO CHANGE. Next I wrote Transunion stating " Under the provisions of the 1977 Federal Fair Credit Reporting Act, I hereby request that your agency prove to me in writing the accuracy of the reporting of this account. Under the terms of the Act and succeeding court cases, you have thirty days to prove to me the accuracy or you must remove the account from my Credit Report '' via certified mail. Soon after I received another threatening call from debt collector and same results from Transunion " VERFIED, NO CHANGE. This is FRAUD and needs to be removed from my credit report. My credit score has lowered and I have been trying really hard to have excellent credit.

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 03/23/2017 about Debt collection (Auto) with NELSON AND KENNARD (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: This collector comes to my home at night during the week and early weekend mornings in addition to random afternoons. They bang on my door and speaks threateningly to my family. They have been asked to not come back, yet they do repeatedly. I have it on video this person coming to my home near XXXX and banging aggressively on my door and ringing my door bell, awaking my and scaring my young children. This person peeks in through my windows and parks his car in front of my house waiting for me to come outside. This person has been instructed to not come back to my home, yet they do repeatedly, often before XXXX on the weekends and after XXXX during the week. I am scared now for my son to walk home from school because the threatening tactics being used. I have submitted a Cease & Desist letter to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (WA).
Issue: Managing the loan or lease

Complaint: I initiated the pay off of my auto loan on XX/XX/2016 via their website. On XX/XX/2016 the loan was officially closed. On XX/XX/2016 Chase pulled another loan payment from my checking account, via automatic payment, even though the loan was closed. It 's now XX/XX/2016 and I do n't have that payment returned to my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: I have sent at least three letters to XXXX, Experian, and XXXX in regards to a collection account from XXXX XXXX regarding the incorrect reporting of a collections account on my credit report. The account was resolved on XX/XX/XXXX. As of XX/XX/XXXX ( two months later ) it remains incorrectly reported. I have repeatedly spoken to XXXX XXXX who claims to have updated the account the day it was resolved. When I contact all three credit Bureaus, they say they have verified the account is correctly reported. They are reporting the balance as XXXX and it should be XXXX. Since it has been incorrectly reported for more than 45 days, I want the account removed completely from all credit reports.

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 12/21/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Somehow its showing that I have an debt with a circuit court, but when I went down there to the court they stated that they dont know why these judgements are showing on my credit report. This judgement does not belong to me. Along with numerous inquiries and open accounts without my consent such as, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: After the " Equifax Hack '' on XXXX/XXXX/XXXX, I checked XXXX website and this has me on the list of potentially affected accounts. To protect myself and others I decided that filing a complaint was the best course of action. My credit has a direct impact on my future and any breaches in the security can affect future applications for credit cards and loans for cars or houses.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX - I paid off my automobile loan in the summer of 2010. I  requested a copy of my credit bureau from XXXX, and to my surprise in the comments section ; Consumer Disputes ( disagrees ). I have tried on numerous occasions to have to removed however, after 8 attempts over the 7years. As a last resort I must contact the CFPB.

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 01/18/2017 about Debt collection (Federal student loan) with Student Debt Center LLC (AK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I feel scammed by Student Debt Service. XXXX. The woman asked me several questions regarding my student loan. I realized later she was asking these questions to access my Federal Student loan account.. In accessing my account, she changed my password. She also asked ( and I gave her ) my social security number. I have googled the site, Student Debt Center and the number is XXXX. She was going to charge me {$600.00} for her services.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I deposited {$150.00} into my citi Checking account that was opened XX/XX/XXXX per citi banking app on XX/XX/XXXX via XXXX at the same time a payment of {$35.00} was suppose to go to XXXX but it never got there. I called Citi Bank on Sunday XX/XX/XXXX inquiring on what happened to my money once I saw a NSF fee of {$34.00} hit my account spoke with two different reps when the first one couldn't understand what I was talking about and adsured me there is no missing money I requested a supervisior who informed me that money was infact missing and Citi bank was not paying XXXX. I was told on XX/XX/XXXX by a manager that the missing money would be refunded to me on Monday morning which is a lie for when the money did not hit my account on Monday XX/XX/XXXX morning I called back to Citi Bank who advisded me that the money maybe returned sometime on Monday XX/XX/XXXX but it may also go away since XXXX tried again for pull the funds on XX/XX/XXXX and since the {$35.00} was still missing it too is begining sent back to discover for NSF. Even though manager from XX/XX/XXXX call said I would not get another NSF charge. Now I'm fighting citi bank over {$35.00} they already shorted my account an additional {$1.00} they are theives and should not be trusted. Bottom line of the date and time of this submission I have yet to receive my missing money.

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 03/27/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Credit decision / Underwriting

Complaint: Mortgage Loan Number XXXX In 2003, my wife XXXX and I received a mortgage for {>= $1,000,000} at 6.5 % interest from Wells Fargo Home Mortgage Company. Wells Fargo Home Mortgage Company promised they would refinance our mortgage when the mortgage interest decreased by 2 % or more. Since inception of our loan, we were denied numerous times by Wells Fargo Home Mortgage Company to refinance our mortgage. They have used the following illegal tactics to avoid refinancing : 1. Refusal to accept written applications for mortgage refinance. Instead, will only accept verbal applications ( Inquiry ). Thereby, covering their trails of mortgage refinance denials. 
2. Listing refinance denials as application withdrawals to disguise mortgage refinance denials. 
3. Company management purposely put into place a plan to deny refinancing of jumbo mortgage loans, with the intent to exhort the excess mortgage payments to increase company profits, and executive bonuses. 
4. Company management purposely put into place a plan to cancel all jumbo mortgage loans held by racial minorities considering these loans as unacceptable risks ( Received this information from a confidential source within the company ). 
5. Company management purposely put into place a plan to deny refinance of all jumbo mortgage considered " Under Water '' ( Appraised Value considered less than the Mortgage amount owed ) We paid our mortgage loan on time ( never late ) every month for over a decade. But, could not get Wells Fargo Home Mortgage Company to refinance our loan until they had exhorted over a half million dollars from us. Then, they only agreed because we continued to write to their Board Of Directors complaining of their unfair and illegal practices. 

We are requesting Wells Fargo Home Mortgage Company be required to refund all of our excess mortgage payments with interest equivalent to the return of the XXXX during the same period.

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 03-09-2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: Good morning, I would like to get the hard inquires removed from credit reports. Can you guys assist with this? Some of these are old and are affecting my credit score. Any assistance that you can provide is greatly appreciated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: FROM : XXXX XXXX XXXX CASE BANK OF AMERICA! # XXXX ASUNTO : PURCHASE TRAVEL TICKET AT AMERICA AIRLINE!
My credit line with bank of america is of {$300.00} Since XX/XX/XXXX to present XX/XX/XXXXObviously to buy a ticket I have the necessity to Increase by myself The other amount to pay the ticket I. Had {$300.00} and make a deposit of {$80.00} to pay the ticket. Bank of america say Not, you will deposit extra money in you credit card but I solely see the {$300.00} ( LIMIT ) ... I TRY AGAIN AND DEPOSIT {$70.00} The bank solely see the credit limit. ( {$300.00} ) and not the extra deposit, because the ticket my option to buy the ticket was with a credit card and not check account.
The bank in some paragraf say that they can give extra money in emergency or other country road, etc. I think so- that I see it.
This impasse affected my health, I was worried, because I had enough money to pay my ticket, on the other hand my credit is acceptable - but they do not increase me maybe, by revenge, or retaliation for checking account in the pass. I recently went to pay {$860.00} the agent of employee of bank of america told me you do not have open checking account because you are punished for 7 years. They did not want to accept the payment, and I returned it to my house.

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 03-02-2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (PA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I filed a complaint on XX/XX/XXXX in response to a missing on-going extra payment we've been making to reduce Santander 's high interest rate. This has been going on since XXXX. We have been told that they are " escalating the issue ''. Unfortunately, there have been no follow-up calls as promised until today XX/XX/XXXX. I returned the call 60 seconds after it came in. After holding for an extended period of time, I received a voice message that the office was closed. This occurred 3 times -- before closing time. I called the general number. The individual saw who called me and indicated that he was unable to put the call through to the person because " the system wouldn't let him ''.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Debt collection (Credit card) with CL HOLDINGS LLC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The XXXX sold my account. In court filings with the XXXX County Superior Court, the listing for the Debt is XXXX The Debt Collection Agency failed to list themselves as the Plaintiff in the Service Notification. The Agency that if behind the lawsuit has a contact with XXXX. Please investigate this issue for me because they are set to garnish my wages after the Judge signs the Default. The Warrant said XXXX but the court document does not list any XXXX, it list XXXX. The XXXX County Sheriff Delivered the Warrant to me. Also, I am facing a decision by a judge without seeing that Jefferson Capital Systems , LLC formally served me with a warrant.

Company response to consumer: Closed with non-monetary relief