milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2017 about Checking or savings account (Savings account) with CIT BANK, NATIONAL ASSOCIATION (GA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I OPENED MY SAVING ACCOUNT WITH CIT BANK ON XXXX XXXX,2017.THEY PROMISED ME BONUS AFTER THREE MONTHS OF OPENING ACCOUNT. SO FAR I DID NOT GET ANY THING FROM THEM. THEIR CUSTOMER SERVICE IS VERY BAD & ONE HAS TO WAIT FOR LONG TIME. IT LOOKS LIKE A SCAM TO ME.THIS BANK IS NOT TRUSTWORTHY AT ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am filing a complaint with  XXXX ,  XXXX , and Experian. After multiple attempts through mail, online disputes, and telephone calls I am unable to get unauthorized inquiries off of my credit report. I am sending out a certified letter  XXXX  more time. If this does not work I will be contacting the Attorney General for further assistance. FCRA states that the only permissible purpose for pulling someone 's credit is for his firm offering credit, insurance, employment, or court order. With the different glitches that has been happening with the credit companies I feel that my inquire should be removed from my entire credit report.

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 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I placed a call into Kohls credit card customer services on the XX/XX/2018. I called into customer service due to my neighbor brought me a letter from Kohls stating my bill was delinquent. I called into customer service and discovered your company had the wrong address for me. Therefore, this is the reason I never received my bill from Kohls in months. The first representative told me that she understood and could get my address updated. She also stated she could either waive {$50.00} or waive {$110.00} in late fees on the account due to me not receiving my bill. I decided it would be best to have her waive the late fees. However, she said I had to pay the full balance upfront for her to waive the fees. I asked to speak to a supervisor because this was unreasonable because that I never received my bill from your company. I then asked to speak with a supervisor who was beyond disrespectful. 
I spoke with him to see if I could get some type of resolution and go back to making minimum payments how the account is normally set up. In addition, advised him the last representative agreed to waive the fees because I never received my bill. He went on to tell me that he was not waiving my fees even though that is what the first representative told me. I asked him how it is that one person says one thing and another person says another. He made it very clear that he was not waiving any fees. I explained to him that I was just calling trying to get my account rectified being that I was not sent a bill. I recently had a similar issue with another credit card company and not only did they waive the fees but they also did something called a renege to bring my normal minimum payment back in additional update the CBR agencys since I never received my bill. 
I am very confused as to how your company has someone like him working for the company. Its like he already had it set in his mind that he was not trying to understand where I was coming from as a customer. I am very upset as to how I was talked to as a customer. I am writing a complaint and trying to get resolution since when I called customer service I was talked to in a very condescending and disrespectful way.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Debt collection (Medical debt) with I.C. System, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Verified that the collector that is reporting on my credit is not licensed in my state of Florida. I did call and speak with the representative to verify my debt and that if they are licensed they informed me that they were and still attempted to collect.

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 07-03-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On several occasions ( XXXX ) I 've asked Experian to delete the record which shows a delinquency to XXXX account # XXXX. This request is based on the Florida Statute 95.11 which explains that no record should be reported beyond 5 years after the final payment made to the lender. 
The last payment made to this lender before the account charged off was in XX/XX/XXXX and it was sold to a debt buyer who settled the debt with me. Therefore, as per Florida Statute 95.11, the account should have been deleted no later than XX/XX/XXXX. Not only have they failed to delete this item timely but they 've actually continued to report it even after being notified, by me, more than twice that it should be deleted. 
Recently, I was turned down for a job which paid in excess of {$75000.00} per year because of this record they stubbornly continuing to report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Account opening, closing, or management

Complaint: On XX/XX/2016 at XXXX I spoke with a representative at Bank of America regarding a charge on my savings account she then informed me that XX/XX/2016 I was given a courtesy XXXX month {$5.00} fee waiver as my account had change that I will be charged a monthly service fee of {$5.00} if I did not transfer {$25.00} every month or maintain a minimum balance of {$300.00} in my account. XX/XX/2016 I did contact Bank of America to inquire of a charge on my savings account I was informed that if I conducted more than XXXX transactions within a billing statement I would be charged a service fee. I was not told at that time that my account will be getting a six-month waiver fee as my account would start being charged {$5.00} a monthly service fee if I did not again transfer {$25.00} to my savings account from my checking or maintain a minimum balance of {$300.00} in my checking account. On XX/XX/2016 I went ahead and also closed my savings account I also stated that I will be going into the bank the following day to close out my checking account as well. I have been a long-standing member of with Bank of America and for a company to change its policies on its consumers without notifying them is wrong and also unprofessional. A savings account should not have fees or conditions as its name is stated clearly as what it 's for savings, not being charged a monthly fee because I am not transferring a certain amount of dollar or maintaining a certain amount of dollar in that account.

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 07/26/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/16 Ditech received a {$2000.00}. principal payment from me. My check had " Principal Payment '' written on it. When I checked online, I noticed that the payment had been posted as the XXXX/XXXX/16 mortgage payment. I called Ditech on Monday XXXX/XXXX/16 to advise them that they had posted my payment incorrectly. The representative advised me that they would need three business days to make the adjustment/ correction, and that I could check back to confirm that the correction has been made. 

As of today, XXXX/XXXX/16 the correction has not been made. 
Is n't it the lender 's responsibility to post payments correctly? Once notified about the error, how much time does the lender have to make the correction? 
Thank you

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (NY).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I purchased a XXXX XXXX XXXX on XXXX XXXX, 2017, that was advertised for {$5900.00} however I am being charged double and the down payment was {$500.00} however the dealer lied to the bank in order to get a sale that the down payment was {$1000.00}.

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 07/31/2016 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call My number and Automated machine service uses the following recording and asks for XXXX. if this is not XXXX please press 2. 
Once pressed 2 the menu says " To wait until XXXX gets to the phone please press 1. If this is not XXXX 's phone number and you wise to remove the number from the list please press 2 '' I press 2 Since I am not XXXX and I have this number already for a year. machine says " To be removed from the list you must hold the line to speak to a customer representative ''. SO I hold. and Hold and hold for over 30 minutes and A customer representative never gets to the phone. 
This has been happening for quite some time over and over again and its annoying. I am a business man and I need my phone for my business purposes.

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 07/28/2016 about Credit reporting () with FIRST ADVANTAGE CORPORATION (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: After disputing my criminal background history with the background investigation company they still report inaccurate negative information to perspective employers. The company failed to verify that the information matches completely with all my personal information given. They also failed to acknowledge ( FCRA 605 ( b ) ( 3 ) ; in which the length of time to report negative information, which is supposed to be a length of 7 years for negative information and unless the position applied for also will make over the amount of {$75000.00} per year, per FCRA laws and regulations. The company also investigated beyond the 7 years I agreed to within the credit reporting application and reported information beyond the scope of my signed authorization to investigate with the annual income limit. The investigation company also failed to comply with FTC laws and regulations with the reporting of the information to verify that the factors of the crime is " disparate impact '' and " not job related and consistent with business necessity '' before making a decision or informing the perspective employer.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Went online to look for repayment options at the department of education website. While trying to apply for income driven repayment, I accidentally applied for a consolidation. The website still provided me an IDR form that I printed out at the time ( thinking I had just completed that part, not a consolidation ) and sent to XXXX to request the income driven repayment. XXXX responded within days of the request outlining the new payment arrangement and provided no indication that they were no longer servicing my loans. I went out of town for a week for my grandfathers XXXX ( can provide evidence through flight receipts and obituary ), when I returned home I had some mail indicating that fedloan servicing was now handling my loan and I had 10 days to reverse this. I was unable to contact them during that period, but attempted to contact them within 15 days to determine my options and figure out how I had made the mistake. I first spoke to a young lady that just kept repeating that she was documenting my complaint and that it was my fault for esigning and she ca n't help. I get transferred to a " supervisor '' who claimed he would file a request with the department of education to let them know my concerns and attempt to have the loan moved back to XXXX. He also advised me to send in the IDR because it was not likely the Department of Education would address my mistake by unconsolidating the loans. The IDR was sent to fedloan servicing in XX/XX/XXXX, stating I would hear back in 10 days or sooner. Took them more than a month to deny the IDR, siting first that they were missing " Page 2 '' of the IDR when I called. The rep also told me they " resolved my complaint '' as " unsubstantiated ''. This rep also claimed they did not send anything to the Department of Education as they had claimed. They did not contact me in regards to this complaint. Yesterday, they called me during work hours, after I asked them not to, to let me know the IDR was incomplete. This time, they claimed they were missing my income information. Keep in mind I sent them the same documents 2 times that were received and processed successfully by XXXX in a matter of a few days. Fedloan Servicing is clearly intentionally " missing '' documents to not allow students to enter repayment plans. Furthermore, I feel deceived regarding the consolidation in the first place. I feel like practices employed ( lying about contacted dept of ed, lying about what is " missing '' from the request, continued calls during work hours ) are unfair and deceptive in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My dispute with Transunion is improper credit information. I settled an account with a lender for less than the original amount. The account is closed and paid in full. However Transunion has XXXX account in collection. the account was paid there is no collection. I believe it should say, account closed settlement for less than the original amount. That was the banks decision to settle with me. When a bank settles that is essentially a new contract. The credit reporting agency should not have the right to list an account as in collection if the bank settles on a different amount and the account is closed. I believe all accounts that are settled for the less than the full amount should not be a negative thing for a consumer. If the consumer in good faith paid what he could and the bank agreed on a new term to close then its closed. These types of settlements should not remain on a credit report as collections of negative for seven years.

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 07/20/2015 about Debt collection (I do not know) with SIMM Associates, Inc. (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: these XXXX have been calling our phone # for over 2 years for some woman named " XXXX XXXX '' not anyone to do w/us, not us, and they refuse to go away and say you are lying they are attorneys sometimes they say they are the police, and they know " where you live. '' They are absolute XXXX. Sick and tired of them calling, threatening. You can not get rid of them, they are garbage that should be in prison.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Credit card () with JPMORGAN CHASE & CO. (CO).
Issue: Credit line increase/decrease

Complaint: I have had several cards in good standing with Chase and recently had my credit limits cut by 70 %. I understand that Chase must manage its risks in extending credit and may reduce credit accordingly ; however, a drastic decline of credit to just above the outstanding balance creates a hardship to consumers as it directly impacts my credit score as my percentage of credit used goes from 30 % to 100 %. In order to object to the bank 's decision, I had to have my credit pulled again negatively impacting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-07-2017 about Debt collection (Credit card debt) with NORTHLAND GROUP INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Company sent me a collection letter mid XXXX XXXX, 2017 and when I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the reference number furnished on the letter. She was unable to speak with me as the information didnt match. The call somehow disconnected and I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have no knowledge of this account. I 'm asking for proof of validation obtaining my signature that I owe Northland Group not whomever this debt was purchased from. I have had fraud alerts, etc yet somehow account after account keep being opened in my name but with the wrong social. validate this account or stop collection and consumer reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: For years I have disputed the existence of the inaccurate account on my credit file listed by XXXX   XXXX. I am the victim of identity theft. I have corresponded with this company numerous times with no positive recourse.

I NEVER had an account XXXX 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 non-monetary relief
Consumer complaint received 03/20/2017 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (NY).
Issue: Fraud or scam

Complaint: Paypal processes payments between buyers and sellers, and they claim to be protecting the buyer against fraudulent sellers ( misrepresented used goods ). When there is a problem, they do n't review the case carefully, and they lacksadaisically inform the buyer that s/he needs to foot the bill for the return shipping and tracking information, even when it is between foreign countries. They have an insurance program to cover these types of disputes, but they do NOT make any of the information available to the buyer. They try to trick the person into paying the bill. I think they are indifferent and lazy, and in this way they passively foster and foment fraudulent activity among predatory sellers. 
Buyer beware, do not use paypal outside of ebay because ebay will protect you buy paypal will absolutely not. PAYPAL = negligence

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I signed up for Equifax 's XXXX XXXX XXXX on XX/XX/2017. This was after being told I was XXXX of XXXX XXXX people " possibly compromised '' by their so called data breach announced in XX/XX/2017. 
The service was offered free with the promise of a credit report copy, a credit lock on my personal credit report, and credit monitoring from the three major credit bureaus. 
After my registration, their site stated it would " take a few days '' for credit monitoring to begin from the other agencies. It has now been FIVE MONTHS. Their web site still states the same thing and you can not talk to a live person in this country about this issue. They use call centers outside the US and hide behind " no reply '' email accounts. 
I will NOT discuss private personal data with a non USA citizen in another country. 
I also signed up for XXXX 's XXXX XXXX credit monitoring in XX/XX/2017. This was because Equifax had not come through as promised. They too promised credit monitoring and the ability to put a lock on my credit report at my discretion. Immediately after signing up, I was told a lock could NOT be activated and told to call a customer service number which is a call center outside the US. Again, I will NOT discuss my info with non citizens outside this country. They were given all my info during the registration. I am unable to lock my credit reports from two agencies and starting to see signs of fraud and identity theft. I believe these two agencies are in this SCAM together.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Debt collection (Medical) with Medical Data Systems, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Medical Data Systems recently reported a medical collection on my credit report. Prior to the appearance of this debt, I never received my notice of my right to dispute.

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 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Unauthorized Inquries were removed from my credit report then reappeared weeks later. This is my 3rd time addressing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: You have XXXX XXXX listed twice on XXXX/XXXX/15 ... you penalize me for inquiries and the count them twice

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief