milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: I have an overdraft account with TD Bank. The statements come the first week of the month with a due date the last day of the month. I will pay the balance in full by mid-month and receive a statement the following month with an interest charge even though no further draw has occurred and the previous balance was paid in full. They claim that their policy is to bill on an average monthly cycle. So even though 3/4 of the month has XXXX balance they are still collecting interest for that time period. Interest should only be calculated while a balance exists. This system makes it nearly impossible to pay in full.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with fraud alerts or security freezes

Complaint: I have been trying to freeze my credit due to the Equifax breach and have been unable to do it online and over the phone. It 's frustrating that these companies have access to so much sensitive information, have placed so many at risk, and have made it so difficult for the public to actively protect their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: On XX/XX/2018 I paid the amount of {$3200.00} to XXXX from a " Balance Transfer Convenience Check '' from my XXXX credit card account. 

The check was in fact cashed by XXXX on XX/XX/2018 and XXXX provided me with a copy of this cashed check with XXXX XXXX XXXX account number stamped on the back AND so there is no doubt that they RECEIVED and CASHED this " Balance Transfer Convenience Check. '' However, they refuse to post it to my account. To aid in the process I faxed them # 1 Their cashed check # 2 The proof that it had also posted as a balance to my XXXX account However, they just keep saying : " That they did not receive the fax ( even though I faxed it 3 times ) and that they still have no idea where their cashed check is. I am now paying interest on the {$3200.00} but it remains not credited/posted to my XXXX and I can not seem to find a resolution with them.

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 03-08-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: I made a reservation at a resort for ten nights in a " lagoon view '' suite and paid for it with my Chase Sapphire Preferred credit card. When I arrived and checked in, I found out that the room I had been given had XXXX twin beds and I requested a king bed. They told me there were no other rooms available that night but that the following day one room would become available which had a king bed. The hotel staff advised me that this room was on the first floor and I checked with them twice to make sure that it was the same category of room, and they confirmed that it was. It turned out that the room to which I was transferred did not have any view whatsoever of a lagoon, just the opposing building and some trees. I tried to resolve the issue with the merchant through XXXX different channels ( XXXX online, XXXX in person ), as well as posting a review online concerning the issue. The merchant did not respond at all to any of the online communications, and the person I spoke with at the resort said something like " that 's just how we categorize the rooms, lagoon and ocean view '', referring to the XXXX sides of the building, as if there was no problem with falsely advertising the room to have a view that it did not have. 

I subsequently took up the issue with Chase, providing them with a description of what had happened. First they incorrectly " investigated '' a different charge, and then they requested additional documentation from me, which I provided. Eventually, I spoke with a member of the credit card 's dispute department who claimed that because I had not left the hotel premises for the duration of the stay, that Chase would provide no remediation, even though the room description did not match the room I received and the merchant had not been responsive to repeated attempts to resolve the issue. The representative confirmed as accurate my understanding of their claim which was that, as long as I did not physically leave the hotel for the entire 10 nights, it did n't matter whatsoever what the hotel did or did n't do -- no billing adjustment would be provided by Chase. It is my understanding that this policy violates the Fair Credit Billing Act, which is supposed to protect a consumer from " charges for goods and services you did n't accept or that were n't delivered as agreed. '' Among the documentation I had provided to Chase for the dispute investigation were XXXX photos of the room 's ( lack of ) view, the original booking confirmation which explicitly states that it was a reservation for a lagoon view suite , and excerpts from the hotel 's website describing the wonderful views that are supposedly part of this room category. This establishes quite clearly what service was agreed to ( a " lagoon view '' suite ) and what service was received ( a " not lagoon view '' suite ).

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Other debt) with Recovery Management Solutions LLC (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a voicemail this morning from  XXXX   XXXX  a t Recovery Management Solutions.      I returned the call and  XXXX   XXXX  informed me that a civil action was going to happen soon for a debt of {$840.00} which was incurred in  XXXX  to   XXXX   XXXX  . I explained that the contract in question was fulfilled as of  XX/XX/XXXX . I further explained that the collection amount was for a contract renewal which I had not requested and for a service I never received. In  XXXX  I went through BBB mediation and the amount was subsequently removed from my credit report by  XXXX   XXXX .      XXXX   XXXX  informed me that  XXXX   XXXX  had no right to do this, that the company he represents now owns the debt, and that they could take action to make the charge appear on my credit report again. He informed me that I had until Tuesday to respond to an email he was sending and he would then decide whether or not to take civil action.     I sent the following email : " I do not acknowledge this debt.     The terms of the contract were fulfilled. The amount in question is for an " auto-renewal '' that occurred after the initial 36 month term of this contract. This auto-renewal occurred despite multiple requests to cancel any further services.     Through Better Business Bureau mediation for an amount owed, the company agreed this was an invalid charge. Complaint #  XXXX .     Given that this is not a valid debt and that the statute of limitations is in force, I would ask not to be contacted about this again.      XXXX   XXXX  ''

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: ACCORDING TO THE CFPB -- REGARDING HARD INQUIRY ANY RELATED INQUIRIES MADE WITHIN A 14 DAY TO 45 DAYS WILL COUNT AS ONE INQUIRY.THIS ALLOWS YOU TO FIND THE BEST DEAL ON A AUTO LOAN. 
THIS WAS NOT APPLIED TO ME? I FILED A COMPLAINT TO HAVE THIS CORRECTED AND I WAS TOLD " THEY CAN NOT REMOVE INFORMATION ON MY CREDIT REPORT '' WHICH I DID NOT ASK THEM TO DO. I WAS REQUESTING THAT THE RELATED INQUIRIES MADE WITHIN THE 14 TO 45 DAY PERIOD BE COUNTED CORRECTLY AND CHANGED. IF THIS IS THE RULE, WHY DOES THE CREDIT REPORTING AGENCY NOT RECOGNIZE THIS AND APPLY IT TO ME.

ALSO I MUST ADD ... .THERE SHOULD BE A LAW THAT LIMITS THE AMOUNT COMPANY 'S A CAR DEALER CAN TRY TO FIND TO FINANCE A CAR. I WOULD THINK AFTER THE FIRST 10 WITH NO LUCK ... .SHOULD BE A RED FLAG ... .SELLING A CAR TO SOMEONE WHO CA N'T AFFORD IT, SHOULD BE CONSIDERED A PREDATORY LOAN, KNOWING THEY ARE SETTING UP SOMEONE TO FAIL SHOULD BE A CRIME.

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 07/13/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (IL).
Issue: Problems when you are unable to pay

Complaint: When I got divorced I assumed my car loan and a personal loan. My ex-wife assumed her car loan and a personal loan. After we were divorced for awhile she filed for bankruptcy on her XXXX loans. She did n't make her minimum payments for the bankruptcy so the loans came out of bankruptcy for her to pay on. She is n't paying on the car, it was repossessed, and now the bank is coming after me. This debt was hers to pay per a court order. I am being harassed by the bank and it is ruining my already damaged credit. They are threatening to turn this in as income under my name. My ex-wife is n't getting any notifications from the bank. Her bankruptcy also showed up on my credit as her personal loan was written off as a bad debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I sent a certified letter to XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I requested a signed agreement and other supporting documentation. They in return provided me with billing statements which does not prove that I am obligated to pay them. They have/are reporting delinquent information to the credit bureaus which I am asking to be deleted. Documents are attached.

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 01/15/2018 about Debt collection (Other debt) with McCarthy, Burgess & Wolff, Inc. (TN).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I call this office in an effort to settle the debt in around the first week of XX/XX/XXXX. I acknowledged the debt. However I was met with harsh language and threatening comments. After much harassment and threats I made an agreement to pay {$100.00} per month starting XX/XX/XXXX.and a payment of {$60.00} in XX/XX/XXXX was agreed upon. He stated that if I break the agreement I would lose what I paid in. On Thursday XX/XX/XXXX he { XXXX XXXX } called back making threats that I need to get a lawyer and there was no agreement made, and there was nothing in writing, and that the debt was due in full that day, and no other arrangement will be accepted that it must be paid in full. He continued to be little and speak harshly to me still denying that there where any prior arrangements. 
He has made several derogatory statements making my efforts to reason with him impossible I do not want to put up with being yelled at and him raising his voice in a confrontational manner. I have never been disrespected in this manner before. Also I had a recent letter stating that I had other options of paying this debt but he refused to acknowledge the letter from the original creditor.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (NJ).
Issue: Account opening, closing, or management

Complaint: Hello, I went into XXXX XXXX XXXX to pen an account, and I was caught off guard when the banker asked me if I was in the military.I responded no, because I have never been in the military nor do I ever plan to be. Two days later I went to XXXX Bank and attempted to open an account and I was advised that there is a theft alert on my social security number.I immediately went into to panic mode as I am moving out of the state XXXX in five months and do not need this stress. I immediately thought my identity had been stolen, I then went home and called XXXX. XXXX stated that they have no report of identity theft. I then called XXXX who explained that there if an XXXX XXXX freez on my social security number.The representative then apologized because clearly I am not on XXXX XXXX and the addresses did not match up with whomever actually needs the freeze, and gave me a resolution to solve this issue with experian only. XXXX XXXX XXXX stated this XXXX XXXX report came from CHEX SYSTEMS. I am requesting this be removed as I am and have never been in the military. I think this is huge mistake for the person who needs there info protected because that means his info is not frozen as he requested and its a huge inconvenience towards myself.If necessary I can provide verification of that. Chex systems also has a prior address incorrect, it has been documented as XXXX XXXX XXXX XXXX, XXXX Nj XXXX when the correct address is XXXX XXXX XXXX XXXX XXXX, XXXX Nj XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Debt collection (Credit card) with Atlanticus Services Corporation (TN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX, XXXX I was served with a civil warrant with a court date of XXXX XXXX, XXXX from XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX ( Original Creditor is : Tribute ). After several failed attempts to contact XXXX XXXX XXXX XXXX by telephone, on XXXX XXXX, XXXX I filed a complaint with the XXXX trying to collect information on the account before I had to appear in court. On the night of XXXX XXXX, XXXX they replied to the complaint where I did n't receive access to any documents from them to verify the account until XXXX XXXX, XXXX AFTER my court appearance. Therefore, not only did XXXX XXXX XXXX XXXX never provided me with any information regarding the account before they filed the suit against me but they also did n't give me adequate time to verify the account information before the account was turned over to the attorney 's office. I also believe that XXXX XXXX XXXX XXXX is reporting false and inaccurate information on my credit report. The account number they show on my credit report does not match the account number they filed the suit against me on but the original creditor 's balance and dates match my credit reports prior to XXXX/XXXX/XXXX. I do n't have my credit report for XXXX & XXXX that date could actually be an earlier date. They are reporting a opening date of XXXX and the original date the account was open was XXXX XXXX. They are also reporting from XXXX XXXX XXXX XXXX a monthly payment of {$33.00} that I have n't paid. The last payment I made was on XXXX/XXXX/XXXX of {$33.00} which is reflected on the Statement of Account Activity that they provided to me after my court date. Additionally the balance on the suit filed is : {$940.00} which reflects the balance on Tribute statement dated XXXX/XXXX/XXXX and continued at that balance until XXXX XXXX at which time XXXX XXXX XXXX XXXX increased the balance to {$1100.00} which was after they turned the account over to the attorney to have the suit was filed against me in XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
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 am writing this letter in regards to my account listed above which has been closed for the last 7 months and wanted you to please review and see if it is possible to remove my final payment as a late payment. I understand that i was at fault and am asking you to please review my account as i was in good standing throughout the term of this loan process. I know i made a mistake and processed my final payment a few day after the required date but this was an honest mistake as i was paying early on my loan and thought i had time to pay. I tried to pay early and more than what was expected each month to bring my payments down as well. I was wrong and need you to please consider removing my final payment as a late payment. I hope that you would understand and try to help me out as i am really desperate and need your assistance. 
Thanks in advance for you help

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 08/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I called Wells Fargo today to make a payment with the same account information I make it with every month for the past 5 is years. I verified over 5 pieces of information like I do every month and have been doing for the past 5 years. Today they refused to take my payment from the account I gave them verifying the routing number and the bank name. The manager stated she would notate my account to make it more difficult for me to call In and make future payments even though I had correctly verified all the information where my payment was coming from.

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 08/17/2016 about Credit card () with BARCLAYS BANK DELAWARE (NC).
Issue: Rewards

Complaint: On my Barclays XXXX Red Mastercard, I was given an incentive to earn XXXX XXXX XXXX miles by spending {$500.00} or more XX/XX/2016. I did just that, spending {$500.00} in XXXX, {$500.00} in XXXX, and {$500.00} in XXXX. My XXXX statement even shows the miles as having been earned ( " Bonus or promotional miles earned this period + XXXX '' ), but the miles never posted to my XXXX XXXX account XXXX XXXX XXXX. My account was by closed by Barclays in XXXX, which I accept is their right ... .but the miles I had already earned by completing their bonus spending incentive should be mine to keep.

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 09-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MS).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX/XXXX/2015 Payment XXXXBank of America, N.A. XXXX TX XXXX $ XXXX is a copy of the transaction, I paid {$280.00} to bank of America on XXXX XXXX, 2015 after they billed me XXXX, XXXX, XXXX, XXXX for total {$280.00} which, I tried to explain each time that I called to let them know, this account had been settled in XXXX br discharged XXXX 2015. They reported each of these months on my credit report stating that I was not paying. I only paid out of XXXX from harrassement. 
I called bank of am and spoke to several reps who did not try to understand the XXXX heloc was included in the bank ruptcy. They began billing like this was a new account. 
Please refund {$280.00}. 
hic

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX  I send a certified letter to the credit bureaus stating I received a copy of my credit reports. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I contacted the credit bureaus and all   XXXX   credit bureaus refuse to remove any of the inquiries off my credit reports. The FCRA states that the only permissible purpose for pulling someone 's credit is for ; firm offer of credit, insurance, employment, and a court order.

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