milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-05-2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX XXXX XXXX The account was paid in full and I would like it removed from all three credit bureaus. This issue should have been resolved when final payment was submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I have contacted fedloan multiple times this year requesting documentation of dates and amounts of interest added to my loan since it began. I noticed earlier this year that my amount due had jumped significantly but there is no record of the exact amount added to each loan, when and why. They basically keep telling me to look in my online account even though I keep telling them, the information I am requesting is not available there. It is crazy to me that I have been unable to see an accounting of my loan since it 's origin. Please help. I contacted them in regards to this on XXXX, XXXX, XXXX, XXXX andXX/XX/XXXX and they have still failed to provide documentation of my loan. I have attached a copy of the XX/XX/XXXX andXX/XX/XXXX statements that are available to me online so you can see that my balance jumped by {$910.00} with no explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-10-2015 about Credit card () with BARCLAYS BANK DELAWARE (NC).
Issue: Other fee

Complaint: I was charged a finance charge by Barclay 's new XXXX when I made the last payment on time to the US Airways XXXX card that was closed by Barclays. I think this is a fraudulent finance charge on behalf of Barclays.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Settlement process and costs

Complaint: Chase Banks after 3 years of stress and uncertainty, and after declining XXXX all cash offers finally Approve a short sale offer on my home. If selling a home that I have lived in for 21 years is not stressful enough. They gave the funding date a week before XXXX. Now because of that I only a one day to vacant the property. This caused me a considerable amount of Stress, I 'm a year old XXXX, and just about had a XXXX. So then the buyers agent comes to the door of my house to have the locks changed. I tried to find an apartment but it is very hard especially during the holiday season.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Customer service / Customer relations

Complaint: On XXXX XXXX, I was trying to finalize the payment for groceries at XXXX when my card got declined. I contacted Capital One by phone and I was informed that my card was flagged with fraudulent activities. The attendant asked me several personal questions and asked me to confirm several purchases. After all confirmation, they informed me that my account would have to be CANCELLED and a new card would have to be reissued for my protection. The problem is that I am currently moving from XXXX to XXXX and this was my primary card during this entire time. With such being cancelled, I had NO CARD OR MONEY until the new one arrived. Besides all this incovenience, I had to wait in line at XXXX while waiting for Capital One to resolve the problem for almost 2 HOURS on the phone when they finally informed me that there would be no solution and I would have to wait until XXXX XXXX when the new card would be sent. With no other alternative, I had to cancel the FOOD purchase and return home since I had no buying power to do anything. On XXXX XXXX I received the card in the morning. I activated the new card and returned to Target to try to buy FOOD once again. When I got to the cashier, the card got DECLINED AGAIN!!!!! Once again, I called Capital One and I had to wait another 30min to be answered and be told that the card was flagged with fraudulent activities. Once again, I confirmed all my account information and all purchase transactions. The card was finally unlocked and I could finalize the purchase but this is simply unacceptable! I was left stranded in a new city by Capital One without any buying power and with my card locked for 72 hours besides all the long waiting time on the phone to be answered and to have any problem resolved. CAPITAL ONE IS LITERALLY THE WORST BANK EVER! I WILL TAKE THIS CASE TO COURT!

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Making/receiving payments, sending money

Complaint: I was looking through my account and noticed that a transaction that was suppose to be {$70.00} to my XXXX was a {$100.00}. I called the bank to file a complaint that was when I realized that they had taken out XXXX {$100.00} transactions that I did not authorize. I filed a complaint immediately and the Customer Service Representative stated that they would be removed. Well I just found out today that they reversed XXXX on the {$100.00} transaction even though they all XXXX transactions were from the same company and I did not authorize any of the transaction in the letter they sent they stated to found the transaction to be correct when it was not. I asked them to tell the name of the company and they do not know. How am I suppose to get my money back if they do not even know to whom and where the money went. I strongly implore that Chase put back my {$100.00} and any transactions fees because the transactions all came from the same company and I notified them as soon as I found out the transaction was not the the XXXX. Or the bank give the information on where and to whom this {$100.00} went to. They owe me that at least so I can try to get my money back and if Chase does not know who they are then it not a correct transaction and Chase needs to give me back my {$100.00} I never received notification by email of by mail that they were going to charge back the money to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
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: Hello I have been with this mortgage company for 12 years and I pay them every month, I disputed how they were reporting my information they have been effecting my credit score for years so I sent a letter to the bureaus to pay attention to my report and they still are neglecting to correct their mistakes. I will list mistakes now 1. High Balance is missing 2. Payment history showing 120 days late for over a year how is this mathematically possible? Does this sound right? The Limit is also missing.

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 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have not gave permission for these companies to run my credit : XXXX XXXX or Credco to run my credit. Please remove this from my reporting. Thank you so very much! 

XXXX XXXX has run my credit on these days : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credco has run my credit on : XX/XX/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 05/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau Incorporated (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX of Idaho turned me into CBI for a {$100.00} debt that I paid on XXXX/XXXX/15. They have refused to communicate with CBI that I did, in fact, pay the debt, and CBI subsequently calls me weekly, and has now falsely reported to the credit bureau that I owe the debt. I have been in communication with both the provider of services and collection agency to get this issue cleared up, and the provider of services is refusing to communicate with the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Consumer Loan (Title loan) with Select Management Resources, LLC (TX).
Issue: Charged fees or interest I didn't expect

Complaint: Ok I had taken out a Title loan for my paid off vehicle, However back on XXXX 2015 I had needed extension for a week, A gentlemen by the name of XXXX told me I could n't get an extension but I qualify to get an additional {$500.00}, IF I bring them {$340.00}, and he sold me on the Idea, when I get my taxes just paid it off. ( But I have n't receive taxes yet ) SO I took the additional {$500.00}, which was only {$160.00} difference. Now I am stuck paying {$410.00} a month just on interest alone. 
Now I ASKED FOR AND EXTENSION FOR FEBURARY AND THEY HAD GAVE ME 30 DAYS. 
I feel like if he would allowed me to get the extension in XX/XX/XXXX I WOULDNT BE IN THIS MESS, I AM SPENDING MY WHEELS JUST PAYING ON THE HIGH INTEREST RATE ... ... ..IN XX/XX/XXXX MY LOAN WAS DOWN TO {$800.00} NOW ITS {$2100.00} WITH {$410.00} INTEREST RATE ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have requested validation of the debt XXXX XXXX XXXX XXXX seeks to collect. I am not certain I actually authorized this debt for many reasons. I have not resided in XXXX, NE since XX/XX/XXXX this debt was accrued in XX/XX/XXXX. My wife is usually the responsible party for all medical matters as she is typically the one who takes the children to the doctor. The hospital had a bad address on file. The debt collector has been unable to furnish anything used to verify identity prior to providing services. The account information I have been shown does not have any of my personal identifying information. 

FURTHERMORE, the collection agency is trying to collect an amount that is inconsistent with the original creditor 's records AND they have re-aged the account to make it appear newer than what it actually is to cause maximum damage to my credit report. Both actions are violations of the FCRA and FDCPA.

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 06-08-2017 about Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: Hello - This complaint is against  Fifth   Third  Bank. This complaint is in regards to unfair business practices under the fair credit reporting act. This complaint is also in regards to fifth third bank engaging in unfair treatment and practices against minorities. In the past fifth third bank has been ordered to pay over  XXXX  for lending violations. While, this is not a lending violation it is a matter of fairness.     Fifth third bank accessed a 30 day late notice to my mortgage account after there was a mix-up regarding setting up automatic bill pay. Because there was confusion in the past, I was under the assumption that automatic bill pay was setup and there were no issues. However, that was n't the case. On  XXXX   XXXX ,   XXXX  , I call regarding the account and was informed I was 30 days late. I immediately paid the account and begin to investigate. The facts are ; 1. On  XXXX   XXXX    XXXX   - The fifth third agent said on a recorded line that the bank did not have a number to call me. She took my information and said she would update my file.   2. Fifth third bank never called me during the 30 days of  XXXX  to let me know the account was behind.   3. Fifth third bank send  1  letter - because I travel weekly, I did not receive the letter. Which is why a call or having bill bank established is critical 4. Fifth third bank indicated in written communication that they never called me 5. Fifth third bank called me regarding my loan for the first time in almost  XXXX  years on  XXXX / XXXX /  XXXX  . This is no coincidence.   6. The rep from fifth third bank stated that the late date could not be removed because it 's accurate and the bank made no mistake. However, that statement is false, according the fair credit act, a lender can correct or delete negative information reported.     I 'm asking that the 30 day late date be removed due to the following ; 1. Inaccurate information given to the consumer 2. Fifth third bank failed to call me regarding my mortgage. While they may not have to call, it 's the right and FAIR thing to do to keep customers from getting behind. Because the bank indicated I never received a call, I 'm asking that the bank assume responsibility for not doing all they could to protect me.   3. There was clearly a mis-communication between myself and fifth third bank regarding the automatic bill pay.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Debt collection (I do not know) with Penn Credit Corporation (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ThePENN CREDIT CORPORATION XXXX call my number at least XXXX or XXXX times everyday and as late as XXXX on Sunday 's I answer and tell them to stop calling but they continue. This has been going on fo at least 6 months. Many times it 's a recording.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. BANCORP (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received a phone call from a debt collector threatening to take legal action against me. She advised me that if I did not pay the amount owed, that a warrant would be issued for my arrest. She is using empty threats to collect a debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: on XXXX-XXXX-2017 i deposited in my account XXXX dollares from a customer in 3 checks of XXXX each the next day i checkd with the bank and they told me the funds were avaliable for me to withdraw when i tried to withdraw the money the teller told me that the bank will need to verify the checks with the other bank come back tomorrow and be able to withdraw funds for me but on the same day my online account was blocked my personal and business accounts were blocked and nobody told me anything about it not even a phone call telling me nothing and i really need the funds to take my family out of XXXX to XXXX because of the huracan irma is coming category 5 now i dont have money or debit cards or nothing i called the bank and they told me they have an investigator named XXXX doing some investigations i called this investigator 5 times and not respond from her now what do i have to do now if they were going to block my online account or cards why in the world i was not notified in the first place so i know what is the problem now i dont know what to do i have family kids without money and a huracan irma is coming to us we dont even have moneyfor gas to get out of here this is not the right way to handle customers at all i wish i can sue this bank for this kind of behaivor i am contacting you because under the law you are the ones that supervised and take the appropiate sanctions against this bank i want to know what to do as soon as possible since this huracan is coming please help me my life and the lifes of my family is in danger and XXXX XXXX is responsible for thank you XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Hours : Open today XXXX See more hours Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have contacted this company 2 times in writing requesting written proof of my signature showing that I owe this debt. I have waited over 60 days and have heard nothing from them proving this debt is mine. They are violating my rights by not being able to furnish proof of signature.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I wrote Midland Funding 30 days ago, they have not responded to my request for legal validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/21/2016 about Bank account or service (Cashing a check without an account) with U.S. BANCORP (MN).
Issue: Making/receiving payments, sending money

Complaint: I went to the bank the check was draw an off and asked to cash the check. It was Sunday XX/XX/XXXX and the check was dated for XX/XX/XXXX they declined to cash it because of the post date. I understand that banks consider a check good once it is signed and given to the recipients. Also any check cashed on Sunday would be on Mondays business as I understand it. Brcauce I start work before banks open on Monday this created a problem for me to address my needs

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 10/30/2015 about Debt collection (I do not know) with Direct Recovery Services, LLC (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received numerous phone calls over the past few months fromDirect Recovery XXXX XXXX XXXX, XXXX, NY XXXX. 

The phone calls are for XXXX XXXX. The collection agency leaves personal information about this debt and threatens to file legal action against this person. 

When I called to ask them to stop, they refused to provide any information, including the address to which to mail a cease and desist letter. I obtained the address information from a reverse phone number search. 

The phone calls are approaching the level of harassment. They come at all times of the day/evening. 

According to my caller ID, the calls come from XXXX. The phone number left to call is XXXX. The person says that her name is XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 11/17/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: Citibank somehow put me on my wife 's business account when neither she nor I asked for it, when I was never a signatory and never had access to it, and to top it all off it froze her out.We have been having problems with our accounts since XXXX of 2014.

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 04/28/2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: Unsolicited issuance of credit card

Complaint: I received a letter from Sears Credit Services. The letter informed me that I was sent information earlier ( I received nothing earlier ) and that if I did nothing by XXXX XXXX my Sears credit card would be changed to a Sears Mastercard. If I preferred not to accept the " upgrade '' I was instructed to call a telephone number or go to a website. I tried calling but it would not accept my card number either by entering by voice or telephone key pad. It then asked for my social security number! The website had no place to turn down the offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2016 about Credit card () with CITIBANK, N.A. (MI).
Issue: Other

Complaint: Macy's/DSNB is reporting the DOFD incorrectly, and has XXXX Charge Off dates on my XXXX and XXXX credit reports 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 05/23/2016 about Credit card () with DISCOVER BANK (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: There is currently a credit card on my credit report from Discover Financial. I have called several times in an effort to resolve the situation to no avail. The account in question is under my ssn # and another persons name, but also has me as an authorized user. I have never had a account with discover financial and i have told them this several times and i have been a victim of identity theft and i am still currently battleing the issues from this, and every time i talk to someone at Discover they say it will be handled and it never is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (FL).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: Dear Sirs : I am XXXX XXXX XXXX. I am trying to pay my Walmart credit card bill from 2013 and I called and was transferred to 10 different numbers. No one could find this account but it is in my credit and is preventing me from buying a house. I can't understand this?!?! If they can not find it then how am I supposed to pay it? This is ridiculous. Please help me. Either they have it and I can pay it or they don't and I don't owe it. Please contact me or them and let me know what I can do.

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl 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