milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2016 about Bank account or service (Checking account) with AMERICAN EXPRESS COMPANY (IL).
Issue: Account opening, closing, or management

Complaint: I have signed up for AMEX XXXX card back in XXXX, XXXX with a XXXX application. 
I have linked my XXXX Credit Card account with AMEX SERVE account and transferred {$70.00} They send me AMEX SERVE card. 
I have used my XXXX application several times until XXXX. After that i have stopped using it. 
Starting from XXXX, XXXX they have started charging me monthly fees {$4.00} without any notice. 
I came to notice this on XXXX XXXX, XXXX when i received Email from AMEX XXXX Team saying, " They have added {$50.00} from my XXXX account, because my balance was below {$25.00}. '' This is something not acceptable. 
First of all, They did not send me any notice, email, phone call, not even a physical mail or not even a single statement since i have opened account. 
If i would have received at least a statement in mail/email, i would have closed my account so that i wont get charged monthly fees for the service or card which i am not using at all. 
Please file a complaint and let me know what i have to submit as a proof. 
After i have received email on XXXX XXXX, XXXX, i checked account and saved all the statements and i came to know that i was charged $ XXXX since XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Consumer Loan (Installment loan) with NAVY FEDERAL CREDIT UNION (TN).
Issue: Managing the loan or lease

Complaint: I currently have 3 credit cards with NFCU, and all of the sudden NFCU turned off 2 of them. I called NFCU to see what happened and they stated they were turned off and my 30 day window to turn them back on had passed. I was not given no prior notification from them that this was happening. NFCU has a past of doing illegal things

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Consumer Loan (Vehicle loan) with UMPQUA HOLDINGS CORPORATION (WA).
Issue: Managing the loan or lease

Complaint: I am unable to get statements of account from bank, to validate my payments are actually going to my car purchase. Online statements were frequently unavailable " No accounts found '' and paper statements never get mailed. Bank states they 've got everything set correctly, but I still never get anything. Not even sure of exact loan type as the bank has yet to provide me any paperwork other than an account number.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: After reviewing my credit report I noticed that there were inquiries on my report that had n't come from me. I tried calling the companies and they said that I needed to contact the bureaus. I called the bureaus and sent multiple inquiry letters but they refused to investigate and remove the inquiries. They said that the burden of proof was on me and  I needed to contact the creditors. I even contacted the Presidents of the companies via email ( all who had a Representative call me very quickly ) but still did n't get results. I sent 609 letters requesting signed proof that accounts that I did n't recognize that the bureaus are reporting belong to me and each bureau just said  that they were mine but without any form of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Credit card () with CITIBANK, N.A. (WA).
Issue: Delinquent account

Complaint: Macys uses a company called MCCS for collections of accounts that are past due but not XXXX days past due. They use robocalling and most of the time no one is there. I am not the only one who is having this issue. The phone number they use is XXXX. I consider this to be harrasing. Macys statement on the bill is " A friendly reminder that your payment has not been month 's billing period. '' In my opinion this is not ethical business practices. On XXXX XXXX I received XXXX calls. This is unacceptable and harrasing for a bill that is XXXX days past due

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Shopping for a loan or lease

Complaint: Purchased a XXXX Volkswagen Jetta Sedan, used, VIN : XXXX from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX. 
Phone : XXXX. 
Purchased Mechanical Failure Service Contract dated XXXX/XXXX/XXXX for {$1600.00}. Issues with car from onset of purchase. Was told at time of purchase to bring back to dealership with any concerns. Did so, was informed the XXXX individuals that assisted me were no longer employed. They could not assist me. They wanted me to trade the car versus assisting me with the utilization of the warranty. 

Well due to mechanical issues and such, I have requested Capital One Auto Finance pick up the car as a XXXX repossession. This was done on XXXX XXXX, XXXX. The automobile insurance has been dropped and the tags returned to the state, but the car is still sitting in my driveway. 

Capital One states there is a legal issue in picking up the car as a XXXX repossession. I feel there was a breach of contract in the mechanical failure service contract. 

Please assist me in resolving this issue and understanding why the service issues were ignored by XXXX XXXX XXXX and why Capital One will not repossess the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: After speaking with the company, they agreed to take it off my bill. I then closed the acccount XXXX years ago myself. They did not close it. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: The school I was attending XXXX College suddenly closed on XX/XX/2016. the school works with a private lender called XXXX . Since the school unexpectedly closed I was unable to finish the XXXX program that I enrolled in. This lender still wants me to make payments on a this loan for the full amount when I am no longer in school nor did I finish the program. The school was issued {$7700.00} and only {$5000.00} something dollars of this loan was added to my tuition the remaining balance of the stipend checks that I refused were supposed to be sent back to the lender. When I contacted the lender they are telling me they never received any funds back from XXXX College. I have called numerous times and spoken with numerous agents regarding this matter and the agents keep stating that they still need a response back from XXXX and someone will contact me at a later date. I feel as if the school has taken the remaining money and has no intentions on returning. I can not get answers from the school as there is no one working there anymore to get answers on this matter and XXXX is stating that they want the whole amount on this loan to be repaid. In my school handbook it states that if the school unexpectedly that my loans would be forgiven. If you can please look into this matter I would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: APR or interest rate

Complaint: I have XXXX cards with Capital One, it was an attempt to rebuild my credit. This company business parctices and interest rates is slavery. I made XXXX cash advance a year ago and still am being charged interest on that. The interest that i pay for any purchase is well over my monthly payment. Its like a hole that you ca n't dig yourself out of. It 's ridiculous!! I do not use either card, and have not since last summer XXXX XXXX XXXX and still have no money for purchases due to the interest. Im being charged interest on making a payment too.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (IL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: I purchased a product for a trial period and after that I did not know I would be billed for payments and accessory product monthly. I complained to the company and the issued a return authorization for the product. During this time I informed Citibank of the situation ( XXXX XXXX ). I returned the item in XXXX. Provided Citibank with proof of the return. Citibank issued 2 credits for 2 recent charges, however the merchant charged me 5 times which meant I had 3 additional credits to be issued. I have contacted Citibank at least 5 times by mail, fax, phone and email from another internal department regarding those additional credits in XXXX XXXX. As of this date XXXX/XXXX/XXXX, Citibank has not issued credit. The credit amount is {$160.00}. Their delay has caused a hardship to me. I am not working full time and need that money to pay a mover to get my belongings rearranged in a storage facility because they were packed wrong and I can not get to items that I need for daily use.

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 05-10-2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (IL).
Issue: Shopping for a loan or lease

Complaint: I went into XXXX XXXX on XXXX/XXXX/XXXX to test drive a XXXX Mazda 3, the dealership never disclose their relationship with Chase Bank. The dealership was in a rush to sell me a car. The salesperson XXXX XXXX called me everyday for about 2 weeks. I spoke with XXXX from Chase and she told me the dealership was suppose to tell me that I would have XXXX inquiries instead of XXXX. I wanted to get my private student loans consolidated but due to number of inquiries by this dealership, I ca n't do anything. This is unfair to me. The finance XXXX from XXXX never disclosed that it was a part of Chase. I am client of XXXX XXXX XXXX and they advised the dealership should have told me that. I had XXXX inquiries from XXXX, it also affected my credit score. I also sent over the inquiries to the general XXXX, XXXX XXXX as proof. I do n't think its fair because I really need to consolidate my private loans to get a good rate. XXXX misled me because they did not disclose all of the information to me. I was told by XXXX XXXX Firm where I am a client that XXXX inquiries is too many and will affect my credit for 1 year and the entries will not be removed until XXXX XXXX. This is causing me a hardship. Why did n't the dealership tell me about the relationship between XXXX and Chase. Like I advise before I did have a recorded conservation with XXXX telling me that the dealership should have told me this information. I was sent a copy of my permission to have my credit pulled but I never received an answer as to why my credit was pulled XXXX times and I was never told about it plus I was never told the actual loan was approved by Chase. I was misled by XXXX, I also have proof that XXXX XXXX, sales consultant for XXXX called me everyday for XXXX weeks ( I have a copy of my phone records ). I will continue to complain until this resolved, I have XXXX inquiries on my credit report. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Upon reviewing my TransUnion credit reports I researched several incorrect *reported addresses and telephone numbers* listed as my personal contacts. One of the telephone numbers was the personal cell phone number of an employee seeking debt collections : XXXX ( Health Care Bill ) ... the employee 's name is XXXX, XXXX ( *reported number listed as mine ). Is this a legal procedure to provide my personal financial information to a medical collections/billing employee of a debtor? I truly feel violated in privacy and would like to know more about why XXXX personal cell number is listed on my personal credit report without my consent or permission.

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 11/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Adjustment Service, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have no recollection of this collection.DIVERSIFIED ADJUSTMENT. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Using a debit or ATM card

Complaint: I deposited {$400.00} cash in an ATM on Saturday night XXXX/XXXX/16. The machine ate my entire deposit giving me no cash back and a receipt saying to call my financial institution. I called Huntington immediately and a very rude employee named XXXX said there was nothing she could do and that I should call back Monday morning. I called Monday and was told that I should have filed a dispute on Saturday. Now I have to wait 2 more business days for an investigation! What am I supposed to pay my bills with!? I deposited cash for gods sake!

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Application, originator, mortgage broker

Complaint: My husband and I initiated the loan application process with Fifth Third when we found a house we wanted to purchase. They sent all of our loan documents ( with our personal/sensitive information ) to an address where we do not reside. It is lost, along with all of our information. Moreover, they have now fallen so far behind on the documentation that it is unlikely we will close as scheduled which could result in losing the house. I can provide detailed information to a representative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-11-2015 about Credit card () with CITIBANK, N.A. (GA).
Issue: Closing/Cancelling account

Complaint: In XX/XX/XXXX my bloomingdales card was compromised and some fraudulent activity occurred. I made a dispute and investigation was started. When I initially made this dispute, I also made a XXXX payment on my account. When I spoke to someone from the fraud department, they informed me that I would not be required to make any payments on my account until the investigation was complete. The investigation has now been completed and I was given credit back into my account. I went in to a bloomingdales department store on XXXX to make a payment and was told my account was closed. The sales associated connected on telephone with customer service who then informed that it was closed and error and she tried to reinstate it but could not because it was a sunday and the department she needed to reinstated was closed. She told me to call back on Monday.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/13/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I informed Macy 's of an account I did not have knowledge of until seeing it on my credit report. I disputed with the credit bureaus and they supposedly verified it. I took the next step and filed a BBB complaint as this is a serious issue. I filed the BBB complaint on  X/29 /2017 and  XXXX  from Macy 's executive office responded   XXXX  /2017. Her response provided the opened date of the account and notified me that it was being handled by the fraud department as of  X/21 /2017 which was before the complaint. She also notified me there was no physical copy of the application or signatures to validate the account. In addition she would not mail any fully itemized bills. She stated it can take up to 90 days. I called back on   XXXX  /17 and spoke to   XXXX   directly which she could not provide any assistance. She transferred me to  XXXX  in the fraud claims department who could not verify a phone number or an address. She stated there was no birthday appearing. She apologized and stated someone will mail you something to the correct address. My address was on the BBB complaint which they never once verified previously. Huge red flags.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian continues to report a judgement for a business account on my consumer credit report. This account was opened under my Federal ID Number ( see attached ), and I did not guarantee that it would be paid. Reporting this account to my consumer credit report is improper, and distorts my true consumer credit score. It has prevented me from getting credit on a number of occasions, and continues to scar my credit. 

The fact that the judgement was a business account and not guaranteed prohibits Experian from reporting it to my personal credit report. Yet, after three plus years of appealing to them to remove it, they have continued to violate my consumer rights by reporting inaccurate information on my report. The damage that it has/is doing must be rectified, 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 non-monetary relief
Consumer complaint received 03-12-2016 about Bank account or service ((CD) Certificate of deposit) with NEW YORK COMMUNITY BANK (NJ).
Issue: Account opening, closing, or management

Complaint: I am XXXX years old, in poor health, living with my daughter in XXXX, and unable to travel except with extreme difficulty. I 'm writing because I am a long-time customer of the XXXX ( I used to live in XXXX ), a part of New York Community Bank. On XXXX XXXX, 2016 a CD of mine in the amount of {$15000.00} matured and did not renew. I want to transfer the {$15000.00} to my XXXX XXXX checking account via on-line banking, as I expect to need that money for medical treatment purposes. I have been told by the bank that I can not do so on-line but, rather, must travel to my old branch in XXXX XXXX, XXXX in order for them to allow me to move the money to my checking account. Until I do so, the {$15000.00} effectively is frozen, and I can not access it. I believe this travel requirement imposed by my bank to be an unfair and illogical requirement ( the bank can easily verify my identity over the phone ), and an extreme hardship for me. It will take me all day to get to the branch and back home, and the long car will be difficult and in fact painful for me. I ask that you assist me in this regard by requiring the bank to allow me to transfer my own money to my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I signed up with Experian Credit tracker ( phone number XXXX ) on a trial basis thru an ad. They took XXXX a month from my checking account for 9 months without my knowledge. There ad and the way it is presented is misleading and I received nothing to let me know the money was being withdrawn monthly. I noticed it when doing a general review of my account. I telephoned they cancelled the service but of course refused to refund any money. There business practice is deceitful and manipulative. They pretend to service a customer need when in reality set the customer up for recurring monthly charges for a service not used and not aware of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-03-2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (PA).
Issue: Account opening, closing, or management

Complaint: On XXXX my bank called me to report suspicious charges on my debit card. I verified the charges were fraudulent and my bank suggested I go to a local branch right away for a temporary replacement debit card. The bank in the meantime cancelled my debit card. At the branch, the banker told me both my checking and savings accounts were compromised and that I needed to close them and transfer the funds into new accounts. The banker transferred the funds into new checking and savings accounts, but left the original accounts open with zero balance for the sole purpose of charging me unnecessary maintenance fees. I was led to believe those accounts were closed. The bank then charged me maintenance fees on XXXX of those accounts. Additionally, sometime between XXXX and XXXX, the banker or someone at the branch opened up a new unauthorized savings account without my knowledge and left the balance zero. This new account was opened fraudulently and criminally for the sole purpose of charging me maintenance 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 explanation
Consumer complaint received 10/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Had a debt with XXXX of MA that I paid in full prior to them sending it to collections. I got a collection letter from convergent outsourcing, a few weeks later in which I figured that it would get corrected from the gas co. I now notice that they are reporting to all XXXX credit reports as unpaid even after I called them. they are not correcting this for me.

Company response to consumer: Closed with explanation