milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I 've been trying to submit complaint about some accounts are my credit report. For some reason it 's like the credit bureaus are not taking my disputes serious at this point. I 've spoken to a consumer right 's attorney and he 's telling me i have a case against the credit bureaus. I 've decided to submit complaints before taking that step. 

The following accounts are incorrect XXXX XXXX # XXXX This account is inaccurate. Please verify this account to make sure that EVERYTHING is reporting correctly. 

Office Of The Attorney Gen # XXXX This account is reporting inaccurate. The balance is incorrect. If you do VERIFY this account please provide me with the steps you used to verify it. Who did you speak with, time and date or Please remove this account. 

XXXX # XXXX I have NEVER been late. Clearly this company has made a mistake. Please remove. 

XXXX Credit Card Clearly this company has made a mistake. I never asked to be an authorized user on this account. 

I know that mistakes happen but it should not happen at my credit 's expense.

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 02/21/2017 about Debt collection (Medical) with R.M. Galicia, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This payment was settled with the hospital directly and Progressive Management Systems has not verified the collection. They have provided no contracts, signatures, or other documentation confirming the debt is verifiable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problems caused by my funds being low

Complaint: On Friday evening, XXXX XXXX, after XXXX ET, I made XXXX transactions to my Chase Bank Checking Account, which put into overdraft. Today, Saturday, XXXX XXXX, I was preparing to restore the balance in my account, when I discovered that I have XXXX overdraft fees. I called the bank, and they informed me that they define the closing of a day as XXXX ET, rather than the closing of the branches. This is contrary to baking regulations, which according to those I read, define the business day for a bank as the time of closing of the branches, not XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I want to reopen the dispute case with XXXX XXXX MD {$870.00}, I received defective ( open box ) unit and returned it back to the merchant on XX/XX/XXXX2017 via UPS ( agent XXXX ) Tracking XXXX, since then I have been trouble obtaining credit refund from the merchant see attached document, proof of return and credit requests, As a result I dont have the merchandise and i have been doubled charged by citi bank.

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 08/22/2017 about Debt collection (Medical debt) with SYNCHRONY FINANCIAL (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I went to a dentist and was offered the Care Credit Card I did n't know about a 6 month promotion or that the card had security on it that was {$50.00} per month. I made my usual requested payment and the balance got higher and higher along with the monthly payment. I have called them on several occasions closed the account had the card security taken off. All I can afford to pay is {$25.00} per month only for the services I received I explained this too them. I get call after call letter after letter.I stay on hold for hours and nothing is resolved. I will pay for the services I charged but not for the other interest and fees.

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 03/19/2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (OR).
Issue: Loan modification,collection,foreclosure

Complaint: I am a homeownership advisor with XXXX XXXX. On XXXX/XXXX/15 I submitted an RMA to SLS and received fax confirmation. I called today to check its status and was told that it had not been received.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Debt collection (Credit card) with CITIBANK, N.A. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I missed my XX/XX/XXXX payment for my Macy 's credit card which was due XXXX XXXX.. Macy 's had been calling me repeatedly since then at least 5 times a day. I 'm always punctual with my payments. I miss one and they start harassing me everyday. I do n't think they is a need to call me repeatedly everyday

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 06-11-2016 about Credit card () with STERLING JEWELERS, INC. (MI).
Issue: APR or interest rate

Complaint: In XXXX 2016, I opened a credit account with Jared The Galleria of Jewelry. I went to the store on XXXX XXXX in XXXX MI. The card is through Sterling Jewelers. I was told by the associates who helped - there were XXXX different employees assisting me that day - that if I opened the account it would have 0 % APR for the first 12 months. So, I purchased my engagement ring and XXXX wedding bands with service plans for about {$2000.00}. My first statement had no interest charges. However, my XX/XX/XXXX and XX/XX/XXXX statements applied a 24.99 % APR. 

I called the phone number on my statement and was told that customers have to make a XXXX % down payment to get the 0 % APR for 12 months. However, this was never told to me in the store when they sold me the credit account and jewelry. 

I was told I can have the 0 % APR but I have to make more than a {$400.00} payment to have it. I feel as though I was deceived into applying for a line of credit without being provided all of the information. I would not have opened the account or purchased anything from them if that was the case. Their return policy is only 30 days so I ca n't even return the jewelry anymore. I feel like a bait and switch was used to con me into something I now can not get out of. 

I feel that employees should be responsible for the information they provide to customers, before they are trapped into an account they ca n't get out of. I 'm paying about {$45.00} a month in interest for something I was told would be interest free. I want the interest already charged to be waived and for the account to have 0 % APR for 12 months like I was told it would when they asked me to apply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problems caused by my funds being low

Complaint: I am XXXX of the small church, The XXXX. 
Our church is a customer of the bank Chase, account NO. -- XXXX, account name : XXXX. 
The bank has caused our complaint since XXXX. 
We found a serious problem in our account : The checks that we had issued and the bank had paid in XXXX were used again in XXXX, the bank paid to someone ( XXXX ) about {$1800.00} ( four checks ) from our account. Even though the name ( XXXX ) of " pay to '' was written over the original names that they were already used. We guess an employee of the bank used the used checks. This problem came from the chase bank 's mistake 100 %. 

We claimed the bank to return our money {$1800.00} to our account XX/XX/2016 ( claim No. # XXXX ). But the bank did not even though we have asked every week. They are repeating, " wait ''. The branch bank : No, XXXX address : XXXX, TX XXXX We think the bank must return our money at once. We need the money.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This item is past the Fair Credit Reporting Act statute of limitation. XXXX was closed and paid properly in XXXX. It is now XXXX XXXX XXXX. Can you please remove it from my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Mortgage (Other mortgage) with PNC Bank N.A. (FL).
Issue: Application, originator, mortgage broker

Complaint: My name is XXXX XXXX myself and My Husband have been house shopping for about 6 Months. We hired a realtor to show us Homes. We finally settle on 1 that had been Foreclosed and was on the market for about 9 months. We decided to purchase that 1. We made an offer and the Bank ( PNC/XXXX/XXXX ) ACCEPTED OUR OFFER. Upon signing a contract we gave them an Initial Deposit of {$5000.00}. The realtor directed us to a Finance company the he uses for loans. Upon submitted documentation and sending in all required information we discovered we were doing a Conventional loan not an FHA. In which we thought we were doing an FHA, The lender inform us that the seller only wanted to go Conventional after weeks of getting information to her. Then I said Inform me my credit score had to be a XXXX to qualify now my score was fine with the initial contract for FHA. all i needed was a XXXX score. Then she call an inform me that she would willing to help me pay off my credit cards and bring balances down an dispute XXXX collections that i had. I did everything she ask me to do. Stated to me this will make my credit score go up. I ask her XXXX why dont we just go FHA Iam a first time buyer, she said no the seller Bank wants a Conventional loan. So I was pleased about that because Intially that is what we spoke about. Shortly after making all the inquiries on my Credit and those hard pulls bought my credit score down. So discuss moving from XXXX because she could not make it work. I spoke to realtor an inform him i was going to shop elsewhere, I Begin working with another Financial Entity and She email PNC/XXXX/XXXX -XXXX an inform them that she will be working with them on closing my loan and explain to them that she needed more time to do Title Search, Apprasiser, Survey etc. And they said we will give you more time if You give us {$5000.00} more dollars and NON-REFUNDABLE MEANING IF YOU CANT CLOSE WE GET TO KEEP YOUR {$10000.00} DOLLARS. I told them NO just send back my {$5000.00} I am not going to pay them {$10000.00} NONREFUNDABLE FOR 2 WEEKS. That is ridiculous and they want me to sign a letter of release so that they can keep my {$5000.00} These Banks are still taking advantage of the Consumer trying to take money that we work so hard for. I need your assistance and Help Please

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit card () with CITIBANK, N.A. (WA).
Issue: Billing statement

Complaint: My Citicard balance was sent to me via email and it did not look right. It was {$1000.00} more than it should have been. I tried to access my account and it did not let me in. 
I called the fraud unit and got a run-around since I do not have a telephone with an account plan. We just got a US pay-as-you-go cellphone. Most importantly, I just returned to the US after 10 1/2 months in XXXX where we keep our sailboat. The credit card company knew we were in XXXX XXXX XXXX XXXX and that I used that card to pay the marina charges. I also told them of other recent travel charges that could be on the card. They would not give me any information, implying that I might not be the card 's owner. They still insisted they were protecting the card holder. Well, that 's me! My husband and I are retired and in our XXXX, living on our XXXX sailboat, now in XXXX. We returned to the US on XXXX XXXX, 2015. My internet access in the US is better than in XXXX. I immediately sent a letter to CitiCard complaining about the service. If I could learn of the unwanted charges, I might be able to determine who had access to the card number,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: After my private loan, rate reduction plan expired I was offered a renewal by email pending my financial statement. I supplied my financial statement as requested and received more emails threatening to return to {$5000.00} per month payments if I did not renew. After calling to inquire, I was told that the interest rate would be doubled for the renewal, raising my payment beyond the unaffordable payment of $ XXXX/mo I was already paying for the {$270000.00} in private navient managed loans. I lieu of my other private loan payment of {$240.00} per month for a {$26000.00} loan, and payments to DOE for $ XXXX/mo on a {$500000.00} note, as well as other credit cards of $ XXXXmo, and car payment of $ XXXX/mo, a larger payment would not allow my family of size XXXX, with a XXXX wife, to eat or pay for childrens insurance nor educational expenses. When calculated without the private loan payment my disposable monthly income is currently {$210.00} dollars. I make an adjusted gross income of {$65000.00} per year and my wife is unemployed, as she provides childcare to our XXXX and XXXX year olds. My next resort appears to be bankruptcy, and I realize it is a barely even a temporary solution.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (NC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Individual from this company has contacted someone I know looking for me and has called their phone number multiple times a day for several weeks. In doing so, said individual from this company has shared my information without my permission and they also provided information regarding said debt to this third party.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (Payday loan debt) with CNG FINANCIAL CORPORATION (MS).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: In the first week of  XXXX  the   XXXX   XXXX   XXXX   called and threaten to have me arrested if I did not pay  XXXX  on  XXXX   XXXX  and  XXXX   XXXX . The person was very demeaning and rude and told me I would go to jail. Then even called my work.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Attempted to get the debt verified from FCO. Sent several letters to FCO the collection agency requesting the proper documents. When FCO would only state that the debt was accurate. We went to a lawyer you gave us insight into the law regarding the collection in Maryland regarding apartments putting collections on people 's credit report. We then again sent letters to FCO with the new information gained from the lawyer and found that the collection agency was again still breaking the law and was in violation of the Fair Credit Act. We then sent letters to the Credit Agencies where they removed my husbands collection but not mine. What do I do now?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Debt collection (I do not know) with Cohen & Associates (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: On or about the first and second week of XXXX XXXX I received phone calls from debt collectors who claimed that I owed a {$6000.00} debt to XXXX XXXX. I had a bank account with XXXX XXXX that I closed more than seven years ago and when it was closed I owed no money. I have not had any other account with XXXX XXXX. I received a " Notice of Bank Levy '' in the mail from the same debt collector : XXXX XXXX XXXX, XXXX XXXX. That notice contains my SSN and date of birth so I can not upload it for this complaint. I told the two callers that I receive SSD and have no other income. I do have a bank account with XXXX XXXX XXXX and am worried that someone may try to attach it, although the levy notice has no case number, court name, and was not signed by a jurist although " enforcement order '' is printed in red ink on the notice. I have received a phone call from another debt collector who claimed that a XXXX XXXX used my XXXX XXXX  account PIN to withdraw funds from a XXXX XXXX account and that is why I owe the bank {$6000.00}. I have no knowledge of any such incident.

Company response to consumer: Untimely response
Consumer complaint received 08/31/2015 about Payday loan () with Amscot Corporation (FL).
Issue: Applied for loan/did not receive money

Complaint: Amscot did not allow me to get a cash advance because I did not have my current pay stub on me but allowed someone else to get one who was in the same situation. I have gotten cash advances with Amscot before and have always paid them back as agreed. I was not claiming to make a crazy amount of money or even asking to borrow a lot but I was still refused. At Amscot the rules only apply to certain people when they feel like applying them. They refused me because that 's what they felt like doing at the time. Rules should apply to EVERYONE or else it should n't be a rule.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Payday loan, title loan, or personal loan (Title loan) with LENDMARK FINANCIAL SERVICES (OH).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: On XXXX XXXX, XXXX a lump sum payment of {$1400.00} was made to Lendmark Financial Services. The following month we ( XXXX and XXXX XXXX XXXX received a statement indicating there was a system update and they could only provide us with the next scheduled regular payment. This statement did not indicate the most recent payment of {$1400.00}. In XXXX XXXX, XXXX XXXX received a XXXX XXXX notification that the XXXX account had been removed from her credit report. In XXXX XXXX she contacted XXXX because her credit report had not been updated. The clerk at the local office indicated the problem would be rectified. As of XXXX/XXXX/XXXX the account is being reported with an incorrect balance of {$2900.00} with the last date reported as XXXX XXXX. The last payment indicated is XXXX XXXX and the status of said payment is unknown. The amount reported is not indicative of the lump sum payment or the subsequent XXXX and XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Payday loan () with ACE CASH EXPRESS, INC. (FL).
Issue: Payment to acct not credited

Complaint: XXXX ID : XXXX CASE FILE # : NT - XXXX LOAN INFORMATION PAST DUE AMOUNT - {$980.00} CREDITOR - ACE CASH SERVICES Accounts Department of Cash Advance has decided to mark this case as a flat refusal and press legal charges against you. 


You are going to be legally prosecuted in the Courthouse within couple of days. Your S.S.N is put on hold by US Government, so before something goes wrong we would like to notify you about this matter. 

Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict action against you. Your salary wages will be garnished too. 


THERE ARE XXXX SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$3900.00} and will be totally levied upon you and that would be excluding your attorney charges. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 

Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And this is to notify you that this notification will also be sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 

If you want to resolve this matter then immediately contact us thru email or call us at ( XXXX ) XXXX between working hours XXXX XXXX to XXXX XXXX ( EST ) Ace Cash Services Phone : ( XXXX ) XXXX Department of Law & Enforcement ( ACS ) Copyright ( C ) 2015 ACS | Privacy | Terms of use

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 Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian data breach revealed a number of addresses in their file which they called residential of mine but were actually workplaces, my former wifes address, etc. they alsoreessed a huge number of reports on me despite a freeze I requested due to a data breach at a prior employer. I am noe being turned over to collection agencies and I want it to stop.

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