milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2016 about Consumer Loan (Vehicle loan) with NAVY FEDERAL CREDIT UNION (NE).
Issue: Managing the loan or lease

Complaint: Each month my auto payment is due on the XXXX. The bank states I have ten days beyond this to make my payment before a fee is assessed. But the bank will make a fee assessment sometimes before the ten days. I will have the money in the account every month before the ten days. The bank goes in on the tenth day takes half the payment, charges a fee assessment and then takes the rest of the payment. If I have ten days then the fee should not be assessed until the eleventh day. When I contact the bank about reimbursing the fees they stare they can only reimburse XXXX time as a courteously but no more and this means ever not just that month. I have emails where they have stated this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Received letter out of the blue. Years ago, advise not to pa y one cen t. Now, at least 20 years later, a letter. Need advise Thank you

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 06-08-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: I deposit a check that was sent to me by a company, the bank cash it and three days later rejected and said I committed fraud. I would like to take this off because it looks like I committed fraud which i did n't it was with Bank of America

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The credit report shows a balance of {$250.00} that was already paid in full.

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 07/31/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY).
Issue: Fraud or scam

Complaint: I signed up via e-mail to perform an evaluation survey dealing with the transfer of funds via Moneygram to an XXXX XXXX located in XXXX. I received a check for {$2200.00} from a company titled XXXX XXXX XXXX located in XXXX via USPS Priority Mail express. I would take out my compensation of {$300.00} and {$50.00} for gas and transfer the remaining amount XXXX {$1900.00} XXXX less a {$50.00} MoneyGram fee XXXX MoneyGram total of {$1800.00} XXXX to XXXX XXXX. I cashed the check at my local XXXX Bank and did as advised. Subsequently, in a letter from XXXX Bank, dated XXXX XXXX, 2015 I was advised that the check that I cashed was " altered/fictitious '' and my account was going to be charged for the bad check. The check was a fraudulent check. Additionally I have filed a complaint with the XXXX Postal Inspectors Division and the Federal Trade Commission reference # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Omega RMS, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I cancelled this before 30 days - they failed to deliver and I paid XXXX for a month of this account. I told them and they cancelled this service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Debt collection (Payday loan) with CURO Intermediate Holdings (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The issue I was not notified in writing of this debt dated XXXX/XXXX/2013 until I reviewed my credit report and sent notice of dispute to XXXX XXXX XXXX XXXX. I made several attempts to call, spoke with XXXX and XXXX whom kept hanging up on me while asking to speak with a supervisor. They kept saying to submit a request in writing which I had and they saw it in their system. I called back and finally spoke with XXXX the ( supervisor ) whom also stated I needed to submit again in writing my request. I mention to her i did and she kept aying submit in writing and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA/HIPAA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS 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 03/29/2017 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I 've repeatedly requested investigation of a bankruptcy being reported on my credit report by Experian, XXXX and XXXX. This information is being provided by a third party and not a creditor. This information is not being reported by the courts, and should not appear on my report. I 've asked the bureau to stop reporting this information because the court is not a creditor, and they have not provided the credit reporting agencies with any information. I would like the credit reporting agencies to remove this information from my credit file permanently.

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 10/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NJ).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I opened a Citibank thank you premier card in XXXX XXXX. My whole experience with the card has been polluted with numerous instances where my card goes under review, I call up to resolve the situation, then it goes under review once again. Often this secondary review happens within hours after clearing the card. And each time, I have to spend hours on the phone to resolve the situation. This has happened almost weekly for the past XXXX months. When I call them they make promises that theyll call me back within XXXX2 business days. To no ones surprise, that call never comes, and I have to reach out to them again, only to have the same promises made, and the cycle continues. A little more than a week ago, I spoke to a supervisor who assured me that the issues are resolved and that this wont happen again. Foolishly, I believed the supervisor. To his credit, the card didnt go under review again until a week later, the longest time the card had not been under review between reviews. Alas, however, the review came. And after spending XXXX5 hours of phone time ( mostly in hold ) with them today, holding my XXXX so I wouldnt lose service in the bathroom, I am sitting here with promises of a call back that will surely be broken once again. This is beyond frustrating at this point. And I have not even been able to use my card so I may not be able to hit my minimum spend amount required to take advantage of their sign up rewards bonus. Speaking of which, I did not receive my thank you points for the second month of spending until I had to call the thank you points line to have them adjust it. I imagine that this hold is the reason for it. I anticipate that being the case with this month, once again.

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 02/19/2018 about Student loan (Private student loan) with JPMORGAN CHASE & CO. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Hello, I am currently being garnished by XXXX and XXXX a law firm in XXXX, XXXX XXXX. The debt they are claiming that I owe is almost 70,000 to XXXX XXXX XXXX, however I received a debt forgiveness from Chase bank who was the original creditor in 2014. I've sent over my corresponding documents several times to both the marshal 's office as well as the law firm, they never get back to me or give me a straight answer. I live alone and desperately need some direction as to how to make this stop.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I submitted a dispute via certified mail on XXXX XXXX 2017 to all 3 credit bureaus : XXXX, Experian, and XXXX. I disputed two accounts, XXXX XXXX and XXXX XXXX, stating I was no longer liable and requested they be removed from all three credit bureaus. I received notification from XXXX stating the accounts in questions were deleted from my credit file. I have also received notice back from XXXX were they are stated the information was verified, but not validated. I have not received any proof of the verification or validation regarding these disputes from XXXX  I have not received anything from Experian regarding this dispute and it has been over 30 days. I contacted Experian about the disputes and the rep stated she did not see where it had been submitted and for me to do it online or mail it in. I advised the rep that I had also faxed information, but she stated she did not see that information and maybe I needed to upload it. I have copies of all the disputes that were sent to all 3 bureaus and a copy of the certified receipts and the results from XXXX stating that these accounts were removed and deleted.

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 04-10-2017 about Credit card () with CITIBANK, N.A. (FL).
Issue: Credit card protection / Debt protection

Complaint: When I opened an account with Best Buy in 2002, I apparently agreed to a debt protection program when I opened the account that I was not aware of. I am gainfully employed and always have been and sincerely doubt Best Buy has my signature on file that I ever agreed to this program. I noticed this on my bill this month and called for an inquiry and was told that it was indeed when I was accepted for the card then. With all of the different portions of the bills regarding interest, etc, I never saw that, and I went to electronic billing years ago. As I am nearing retirement I am looking at my bills and what I thought was an insurance payment for an appliance was not. I have been paying over XXXX a month for something I have never needed for over 15 years. The only thing Best Buy did was to send me a letter to say they have cancelled it. Yes, I am wrong in not seeing it before. I use this credit card about 1 a year So I could recognize what the balance should be. I never looked at the detail of the charges. And Best Buy in 15 years never sent any reminder or option to opt out of this. I have a measly XXXX balance - go figure because of this. In this period I have paid XXXX in debt protection that I have never needed or never used. This is outrageous. I know I am neglect and looking at my bills however how many other consumers are being charged this - and per the description subscribed unknowingly when they opened an account. I want my money back - now I understand why I have not been able to pay off this bill while they continue to raise my credit limit. Shop there - no more.

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 12/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Please see the attachment and cover letter for the CFPB. As a description this case involves a debt collector and account debtor consistently refusing to comply with consumer Creditor laws. Enclosed are several communications from and to the debt collectors. The debt collectors which include a attorney firm moonlighting as counsel for the account debtors are threatening illegal seizure to the Consumers Private Personal Property obtained for personal, family, or household purposes, which can not be seized at any point, especially a debt collector.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (IL).
Issue: Trouble during payment process

Complaint: I am currently behind in my mortgage payments with PHH Mortgage. I live in Illinois and am currently sending my payments to PHH mortgage XXXX XXXX in XXXX, IL. Ive had problems in the past with PHH not posting the payments in the timely manner they receive them. Ive been shipping the mortgage pay via USPS priority two day mail. Ive made two previous complaints through this organization in the past. I recently mailed my mortgage payment to PHH on XX/XX/XXXX USPS priority mail. My tracking shows the XXXX XXXX. XX/XX/XXXX received the payment on XX/XX/XXXX at. XXXX. It is currently XX/XX/XXXX and PHH has yet to post the payment within a 24 hour time frame as they claim to do so with all payments they receive. My concern is this payment will not post within the legal time frame set by the state of Illinois. I did send an email to customer service alerting them that the payment was sent and received according to my documentation. My loan number is XXXX. A copy of the USPS receipt and tracking was emailed to PHH.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FirstPoint Collection Resources (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: First Point Collections Resources, Inc contacted me in XXXX 2015 regarding a debt I fully dispute. I notified them in writing on XXXX XXXX, 2015 that I disputed the debt, that I would never under any circumstances pay the debt, and to never contact me again. Since that debt First Point has made repeated telephone calls to my home regarding this debt, including one tonight ( XX/XX/XXXX ) at XXXX. These constant phone calls are harassment, and I want them to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Payday loan () with REGIONAL MANAGEMENT CORPORATION (TX).
Issue: Received a loan I didn't apply for

Complaint: I continually receive offer letters that include a " loan check '' for $ XXXX {$5000.00} from Regional Finance Corporation of Texas XXXX These letters are unsolicited and include a " check '' that could easily be deposited by anyone claiming to be me. 

These " loan checks '' are charging a XXXX % APR with a mandatory $ XXXX XXXX time fee ' and are incredibly shady about the terms of the loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Rewards

Complaint: I had a Citi Double Cash Mastercard and I was a very good customer, always paying my bill in full and never carrying a balance. Citibank suddenly closed my account XX/XX/XXXX and I lost {$100.00} in cash back that I was entitled to as a result of purchasing and then paying off {$5300.00} worth of charges in XX/XX/XXXX and XX/XX/2016. The DoubleCash card offers 1 % cash back when you make a purchase, and an additional 1 % cash back when you pay off the balance charged. I complied with these terms but I could not redeem my cash back because my account is closed. I have called Citibank about this multiple times but they say the account is no longer active and that my rewards can not be accessed. I feel that this is a gross violation of the terms of this credit card. Citi has blatantly seized my rewards for no reason, and if they are allowed to do this to me, they can do it to anybody on an arbitrary basis.

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 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have sent  XXXX  several certified letters concerning the false, bogus info they are sending to  the   XXXX    credit bure aus. They 're re-aging this account to keep this negative info on my credit file longer which is hurting me mentally, physically and financially.  XXXX  has violated laws under FCRP/FDCPA. If this account is not remove ASAP I will sue them for defamation and financial injury  (   XXXX  vs.  XXXX   XXXX  ) which carries a fine of $  XXXX  /per vio lation.   I never received any type of paperwork from  XXXX . I spoke to  XXXX   ( Customer Service )  ext.  XXXX  on  XX/XX/XXXX      XXXX   XXXX   he told me the address they had on file was a  XXXX   XXXX , Georgia address and on  XX/XX/XXXX     XXXX  I spoke to a   XXXX   ( Customer Service  ) t old me the same the same thing. I have NEVER lived in Georgia!!! I updated my address with  XXXX .    XXXX  told me the balance was {$12000.00} and the date the contract was sign was  XXXX . After speaking with  XXXX  she told me the balance was {$5900.00} and contract was signed  XXXX  She als o told me my last payment was  XXXX .  XXXX  is reporting false info which against the law. This is the reason they not replying to my certified letters!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Unsolicited issuance of credit card

Complaint: I had a credit card with Capital one which is opened in XX/XX/XXXX and has no activities since XX/XX/XXXX. I believed that I have cancelled it and cut the card. Anyway I have n't received any credit card or statement until recently in which it is said that I owned a balance of {$120.00}. I immediately checked my credit report from XXXX and found that scheduled payment of {$23.00}, {$23.00}, {$35.00}, {$36.00}, {$1.00}, {$1.00}, {$1.00} since XXXX XXXX and I also found that the payment of {$5000.00} each month since XXXX XXXX to XXXX XXXX which I never paid. Actually I am out the country since XX/XX/XXXX. I believe that they did this purposely in order to make my account active and then charge me some annual fee and penalty after my ignorance of this charging.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Original Complaint - was dismissed through this portal, and no action was taken. 
It is being repeated because, the account is inaccurate. 

I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. there is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal. 

The XXXX XXXX Tradeline 's XXXX XXXX Should be " Closed ''. It currently has XXXX - even though there is a published Close date, The Comments on this account are inaccurate. 
The High Credit, is inaccurate - You display XXXX, and the report shows XXXX. The comment say, XXXX - which is wholly inaccurate. 

Please look at both screen shots from your product. 

XXXX XXXX would have communicated that this account is CLOSED, as it published a Closed date and at the Consumers Request - in the comments.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XXXX/XXXX/2015 XXXX PM i filed Case number : XXXX requesting that XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX be removed from my file as ID theft victim not belonging to me. Equifax responded ; Equifax said : Explanation of closure Please be advised XXXX XXXX XXXX XXXX was verified to be deleted by credit grantor in case number XXXX. XXXX XXXX XXXX account number XXXX was deleted for the credit the file in case number XXXX. 
However it has again shown up on my report. i am requesting Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) and The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. They obviously are not willing to provide this which is even further illegal. The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ID Theft victim can request evidence of endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ), or settle in court with law suit. I intend to follow my right if this is not removed within 5 Business days pending any investigation or re investigation.

Company response to consumer: Closed with explanation