milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/19/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing disputes

Complaint: In XXXX XXXX, I was given a {$1100.00} credit limit on a Sears credit card. I purchased a XXXX XXXX XXXX XXXX including a XXXX extended warranty for {$1100.00} from Sears, yet today ( XXXX ) I still owe over {$1200.00} for the same TV. I have never missed a payment on this card -- until XXXX XXXX when all of my creditors went unpaid due to a " bank 's error ''. My bank corrected the error and gave me a letter to submit to my creditors explaining the problem, in which I also sent XXXX to Citibank ( Sears ) too. However, some creditors waived their late fee, but still wanted double payments. In XXXX I paid my normal payment to Citibank. Then in XXXX I get a letter stating that I owe another XXXX payments plus late fees. I called Citibank and spoke to a woman name XXXX, I explained to her that I did not have the amount of money they were asking for and I would appreciate it if they would let me pay a lesser amount, ( over the minimum ), for about XXXX or 4 months to get caught up. They agreed to let me pay the lesser amount of {$50.00} at 10 % interest for 12 months, and then after the 12 months has ended, my interest rate will revert to the 25.24 %. I was told that I had to agree or the late fees would keep coming. Also, they would permanently close my credit card account and the payments I make will not appear on the Credit Bureau Agencies -- only that my payments are pass due. Does the law allow them to do this? I feel this is so unfair for Citibank to treat me this way and to deliberately not report the payments we agreed to for this card in order to hurt my credit further. 
This is the first time I have ever had a payment issue since I had this card except my inquiries as to why my balance was not decreasing. A few years after the account was opened, in a pinch, I used the card to purchase gas for my car once or twice, and XXXX of those times it was for only {$17.00} -- then about 3yrs ago I was able to purchase a {$140.00} or {$160.00} for a sewing machine. Other than that there was hardly ever " available credit '' for any constant use of the card, since the Balance remained over or above $ XXXX, even though I paid over the minimum amount due each month. I telephoned Sears on XXXX to inquire again about lowering my interest rate so that my account balance would go down and person I spoke to laughed and said " it 's a credit card, what do you expect ''. I told her I did n't expect to spend the rest of my life paying for a TV. And she added that the interest rate I have was the best they could offer me at that time. So, at that time I cancelled the Account Care insurance as well as the {$8.00} a month Accidental Life Insurance thru XXXX -- still no change in the account balance. 
I will appreciate any advice you can offer if you find or see another resolution to this problem. 
Thank you in advance, Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-07-2015 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: TO WHOM IT MAY CONCERN-THIS ACCOUNTIS REPORTING AS OPEN AND PAST DUE THAT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. 
ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Debt collection (Medical) with Capital Accounts, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On or about XX/XX/XXXX I received a letter from Capital Accounts claiming that I owe them {$190.00}. A month later I received another letter this time claiming that I owe {$190.00}. On XX/XX/XXXX, I mailed a certified letter to Capital Accounts information them that I am disputing the so call debt and that I am requesting validation of this debt and to delete and stop reporting false information to the XXXX credit bureaus. 

I was expecting to receive a letter within the 30 day window granted to me by the Fair Debt Collection Practices Act. Instead I received an undated one-line note, ( I believe the date was left out on purpose, unscrupulous behavior ) after the 30 day expiration. The one line note that I received from Capital Accounts is now claiming that I owe {$130.00} and enclosed within the one-line note is a statement ledger from XXXX aka in my case XXXX Again I do not owe any of these companies. XXXX was our family dentist, ( who we no longer affiliate with, due to unethical business practices ) was paid in full on XX/XX/2016 and therefore I do not owe them. 

On XX/XX/XXXX I mailed a second request to Capital Accounts requesting validation of this so call debt that I owe to Capital Accounts. Again my request was ignored because today I received in the mail another undated ( unscrupulous behavior again ) one-line note this time claiming that I owe {$130.00}. 

I have yet to received any debt validation from Capital Accounts showing that I owe Capital Accounts ( not a second or third party ) and how they calculate what they claim that I owe. I have never done any business with Capital Accounts and nor do I intend to do business with this company. I DO NOT OWE ANY MONIES TO CAPITAL ACCOUNTS OR ITS AFFILIATES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
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: XXXX 2017 was reported late 60 days past due.

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 03/19/2017 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WV).
Issue: Fraud or scam

Complaint: Wanted to buy a XXXX puppy. Found one from XXXX and contacted through e-mail. Price was good and they would include shipping. Dog XXXX, shipping XXXX. We agreed. They wanted money sent by XXXX, we did. Then XXXX contacted us and said we had to pay insurance for air flight of XXXX. This was not mentioned during the transaction for the XXXX because they were to pay shipping. They would not ship unless we paid the money and said if we did not pay the money the dog would be put in quarantine for nine months and we would be turned over for pet abuse. They wanted the money paid per XXXX. XXXX even called me at home twice coaxing me to pay the money ASAP and once the dog was delivered I would get my money back. I told them I did not have this extra money and could not send it. They kept calling and e-mailing telling me I had to pay this. I offered to pay by visa, check, or money order and they would not accept this. They only wanted XXXX. I looked up XXXX on internet and it showed this website originated in XXXX. So I would not pay. Later I went back to the website and it was taken down. I tried to get XXXX to send me a refund but they would not respond. Completely ignored my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Our household received a letter at our family address from Transworld Systems, a debt collection agency, attempting to collect a debt owed to XXXX XXXX by " XXXX XXXX XXXX. '' NO ONE in the household is named " XXXX XXXX XXXX. '' We DO NOT owe money to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: This complaint is in reference to a personal checking account that was opened during the year of XXXX XXXX. The account is currently closed. In addition to an separate checking account opened during XXXX. 

Approximately around mid XXXX XXXX, I walked into a Chase branch ( XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) to request a document that confirms that a series of Cashiers Checks were purchased and paid via my checking account. I was the remitter the check and XXXX was payable to XXXX XXXXe. I spoke to a banker within the personal banking section of the branch and presented copies of all Cashiers Checks and explained I needed a thorough research and investigation for legal purposes. I explained the narrative of my case and even advised I have a court trial in early XXXX XXXX.I left them copies of all the Cashier 's Checks and was assured I will receive this information in a timely manner. Some of the checks presented were acquired from XXXX XXXX XXXX, presently known as Chase bank. Since making this inquiry, I have not received anything by mail or a call from the branch. I tried to call customer service a few times, yet was unsuccessful. The branch claims they do n't have any records on their system and they forwarded this to the proper department that can handle these matters. I am a plaintiff of a pending civil litigation related to an illegal foreclosure. The defendant in the case is claiming these checks were never received nor paid to. It is imperative I receive these documents to present to court in a few weeks. Up to now, I have had a very challenging experience in retrieving them from Chase bank. I have attached all copies of these Cashier 's Checks for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Deposits and withdrawals

Complaint: I am filing a formal complaint about missing funds from my TD Bank Account. TD Bank did not post {$2000.00} from a federal refund to my checking account. However, they did post {$40.00} from a NYS tax refund. Instead of posting a refund, my account is missing funds. This is a clear violation of the Fair Billing Credit Act as well as other ethical business practices. For unknown, as well as unclear reasons, the XXXX Branch of TD Bank, located at XXXX XXXX XXXX, XXXX, NY XXXX, tampered with my account yet again in direct violation of corporate policy and US laws. It gave out my information out to third parties electronically in direct violation of company policies. Additionally, I am concerned with tampering of my checking account and savings account. TD bank also does not provide regular statements for Savings accounts. It only provides periodic documentation. It also does not take proper steps to investigate proper complaints from customers.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am unable to obtain my free Equifax credit report or score at all online. Equifax will not provide the report and I have no score data from them either. When I request my free credit report at XXXX, a message says that Equifax is unable to provide it and that I must send in documentation to prove my right to see my report. They want multiple hardcopies of personal identity documents in order to release my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2015 about Credit card () with U.S. BANCORP (PA).
Issue: Rewards

Complaint: I have XXXX XXXX Credit card from US Bank. I paid my annual fees ( {$75.00} ) for this card in XXXX 2015. This card offered bonus award night for hotel booking with XXXX XXXX hotel chain. However, US bank is going to abruptly end this benefit in the middle of year ( XXXX 2015 ). As a consumer I feel like I paid an annual for some benefit that I wo n't be able to use. I think US bank should refund my annual fees along with compensation for breaking their agreement in the middle of year. 

Following are lines from their agreement : '' BONUS AWARD NIGHT EXCLUSIVELY FOR CARD MEMBERS & ENJOY THE BENEFIT AFTER PAYING {$75.00} ANNUAL MEMBERSHIP FEE ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-07-2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Payday loan, title loan, or personal loan (Installment loan) with LENDING CLUB CORP (NE).
Issue: Getting the loan

Complaint: I applied for a lending club loan on XXXX XXXX. Lending club advertises a start to finish application process of seven days. After 8 days, no documents have been reviewed so I contacted customer service. Customer service advised me that the process will actually take up to 30 days to complete. I feel that Lending club used Unfair Deceptive and Abusive Acts or Practices in their marketing of this loan. Had I known the process would take a month and not a week I definitely would not have user their service. I would have gone to my bank instead. This has put me in a pinch and I definitely feel that this constitute a bait and switch. I ask for your help in remedying the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Credit card () with AMERICAN EXPRESS COMPANY (SC).
Issue: Customer service / Customer relations

Complaint: American Express turned us over to collection agency after we had been paying them in which they agreed to accept the XXXX a month and accepted the payments. I paid them off on XX/XX/XXXX and they cancelled my account, turned it over to a collection agency and they reported to credit bureau closed and unpaid on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX inserted collection on my credit bureau. Per letter sent to me by creditor a verification of debt was requested promptly on XX/XX/XXXX ( attached ). A letter to all XXXX credit bureaus was sent on XX/XX/XXXX. No response from XXXX has been received as of XX/XX/XXXX. A call to creditor on XX/XX/XXXX acknowledges receipt of letter dated XX/XX/XXXX for verification. They also acknowledge they can not verify accuracy of debt or date of XXXX delinquency. Per my records, this account was paid in full to the original creditor and the account was closed prior to XX/XX/XXXX. Per the Fair Debt Reporting Act, any debt reporting needs to be accurately reported and a verification of debt is required if requested by consumer. Furthermore, any debt with XXXX date of XXXX delinquency over XXXX yrs from the original debtor can not be reported to the CRA 's.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (CA).
Issue: Problems when you are unable to pay

Complaint: TD auto reposessed my car, sold it in auction and I paid the difference. Was told that this account will now be deleted from my report due to full settlement however, TD auto reporting this account on my credit report as an active reposession account with outstanding balance and I still keep getting harassing called with attempt to collect debt from my on this paid in full and setteled account. 
TD AUTO FINANCE Account number XXXX .... 
Recent balance {$6800.00} as of XXXX/XXXX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$6400.00} written off. {$6800.00} past due as of XXXX XXXX. 
In dispute cart XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Address identification number XXXX Type Auto Loan Terms 72 Months On record until XXXX XXXX Credit limit or original amount {$27000.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$500.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Reinvestigation information This item was updated from our processing of your dispute in XXXX XXXX. 

my numerous attempts to communicate with TD auto went ignored ... i recently received a letter from them stating they are not a debt collector but that I still do owe them on this account because of the purchase note i have signed ... when i questioned the funds from the auction sale of the car and what i paid to them i was told by TD auto that there was no record of payment of any kind which is why they are still collecting from me .... where did the money go and why do i have to pay twice or be harrassed to pay for the account i have previously settled ... is n't this illegal? ....

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit card () with BARCLAYS BANK DELAWARE (LA).
Issue: Delinquent account

Complaint: I paid this credit card off through money management a debt consolidation company. I even received a check for over payment of this account. It is on my credit report as missed/late payments.

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 01-04-2018 about Checking or savings account (Checking account) with COMMERCE BANK (WA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I experienced several problems while doing business with Commerce Bank over the past few months. 

1 ) I was not able to access my full account number online, or over the phone. I was informed that the ONLY way to access my full account number was to visit one of their branches, which are located in a small part of the USA, near XXXX XXXX. I was and am still out of state and unable to visit a local branch, and therefore, could not use the bank 's services. My access to my funds in the checking account was limited due to my inability to gain access to my full account number - the bank 's website only provides the last 4 digits of the account number. This hindered my ability to pay bills on time, resulting in negative financial consequences for me and my family. 

2 ) I was limited to sending only {$250.00} at a time using ACH, which hindered me from withdrawing my money from this checking account for an extended period of time. At this time, I had already decided to stop using Commerce bank for my banking needs, and intended to withdraw my money from the account. 

3 ) I was unable to withdraw the final {$100.00} from my checking account via ACH. I spoke with a Commerce Bank CSR, who informed me that to close my account and access my money, I would have to have a {$0.00} balance in my account. Withdrawing my money in person was NOT an option as I 'm out of state, and it was NOT an option via ACH. Thus, not knowing what else to do, and wanting to end my banking relationship with Commerce Bank and withdraw my money, I did n't see any other way of withdrawing my money other than using my debit card for a purchase I did not need. Withdrawing the money at an ATM would have resulted in fees and not being able to withdraw my account to {$0.00}, as ATM machines can not dispense XXXX cents, and thus I would not be able to bring my balance down to {$0.00} in order to close my account. I ended up purchasing an  XXXX gift card on XXXX in the amount of {$100.00} in order to bring my balance down to {$0.00}. 

During my relationship with Commerce Bank, I felt my money was trapped and illegally held by Commerce Bank, and my access to my money restricted by the bank 's rules. This has resulted in negative financial consequences for me and my family, and thus, I would like this matter looked into, and Commerce Bank 's practices investigated in order for this to never happen to any other person.

Company response to consumer: Closed with explanation