milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-03-2016 about Bank account or service (Checking account) with U.S. BANCORP (MN).
Issue: Account opening, closing, or management

Complaint: I am steady receiving harassing, threatening and abusive telephone calls and death threats from U.S. Bank debt collectors for a debt and checking accounts that was opened up in my name, illegally and fraudulently. I have never applied or opened a checking account with U.S. Bank. I am a victim of identity theft.

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 02/16/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX account is being reported as 1st date of delinquency as XXXX 2015. The account was paid in full well before that date so how can the 1st date of delinquency be XXXX 2015. please have them delete the whole XXXX account /file from the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CT).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: My Discover account was closed, ending in XXXX, fairly recently. However, there is a credit balance in the amount of XXXX which needs to be sent via check as I had requested. I chatted with a live chat rep in regard to this, was told a request was made to have check sent. I believe this chat was on or around XXXX, possibly XXXX. I checked the account today, XXXX, the balance in the amount of XXXX is still showing as a credit. I do not believe it was taken off as of yet and or a request for check processed yet. Prior to account closure, a dispute was filed for an item not received, an XXXX purchase ... I suspect this may or may not be holding up the check request as it may be still awaiting resolution. This purchase, in the amount of XXXX, made on or around XXXX, was not received. The seller was notified via XXXX but has not replied. Either way, I do need a check sent for credit balance ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Debt collection (Medical) with Simon’s Agency, Inc (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The Simon 's Agency in XXXX XXXX put a medical debt that my ex-husband is responsible for in the name of my XXXX year old child. They have relentlessly called my personal cell phone and sent letters to my address where my ex-husband has never lived. They also suddenly changed tactics and decided to put the debt in the name of my daughter. When I called they refused to change the name to the father of the child who is listed on the health insurance and who 's address is listed on the insurance ( I have nothing to do with and have never had anything to do with this insurance ). I spoke to XXXX XXXX about this matter and they called Simon 's Agency to change the name to the father, but Simon 's refused to change the phone number or address so I will continue to get the bills and phone calls. I just received a phone call XXXX mins ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Other

Complaint: Chase is discontinuing my XXXX XXXX credit card because I did not use it for an extended period of time. I am not disputing that. My issue is they did not contact me earlier to tell me if I did not use it would not be renewed. I was never given a warning that I needed to use it or lose it. I called to state my case but was given no consideration for it to be renewed even though I used it now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: An inquiry on my report was not authorized

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Deposits and withdrawals

Complaint: i was charged an overdraft fee twice by bank of america when i did not sign up for the protection. One of the fees was for a debit transaction for netflix on XXXX/XXXX/2016 On or about XXXX/XXXX/16, I was charged an overdraft fee for a check. The check was paid even though i had a negative balance at the time, and i paid to stop the check.

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 07-10-2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Making/receiving payments, sending money

Complaint: Sought medical service from XXXX XXXX, whose doctor prescribed medical prescription.The product was defective, XXXX XXXX was advised not to submit any further debits to my account and Suntrust was advised to block any such payments from XXXX XXXX. However, Suntrust allowed XXXX ( XXXX ) payments of {$160.00} to go thru contrary to my instructions to them. XXXX, XXXX and XXXX, 2014

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was contacted through mail by   XXXX   XXXX   stating that I owe d Synchrony B  ank/ PayPal Extras MAsterCard {$4200.00}. I asked for an investigation into the account because I had not set-up a PayPal Extra 's account. I re ceived from  XXXX  a stack of old statements which told me nothing about who had opened the account or who had made the purchases. I contacted  XXXX  and they said that was all the info they had. I, then, contacted Synchrony Bank disputing the charges and requested they look into the matter. After months without word, I became worried because of my pending divorce and I thought it would look bad on me for having debt that was n't being paid. Therefore, I made an electronic paym ent ( c heck #  XXXX   )  to  XXXX  on  XXXX   XXXX ,  XXXX  in the amount of {$150.00}. The next month,  XXXX   XXXX ,  XXXX , {$150.00} was debited from my checking accou nt (  check #  XXXX  ). On  XXXX   XXXX ,  XXXX , another {$150.00} debit was made to my checking account  ( ch eck #  XXXX   ).    On  XXXX   XXXX ,  XXXX , I received a letter from Synchrony Bank informing me that an investigation had been completed and had been resolved in my favor. After contacting  XXXX  and Synchrony Bank, I was told by Synchrony Bank to put a request in writing, to them, seeking a refund for the {$450.00}. On  XXXX   XXXX ,  XXXX , I had  XXXX  Law Fir m ( pe r  XXXX   XXXX   ) s end a letter on my behalf to Synchrony Bank requesting full restitution. As of  XXXX   XXXX ,  XXXX , I have not received restitution nor have I been contacted by Synchrony Bank.   I thank you for your help in attempting to resolve this matter.  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 explanation
Consumer complaint received 07-10-2015 about Debt collection (I do not know) with Universal Recovery Corporation (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: this debt just showed up on my credit report have no ideal who this company is have not received any notice via mail nor do i remember doing business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Mortgage (FHA mortgage) with U.S. BANCORP (TX).
Issue: Struggling to pay mortgage

Complaint: I purchased my home through U. S Bank three years ago. I have never been late on my mortgage. My income dropped quite a bit which is causing me to struggle to pay my mortgage. I had a couple of charitable organizations help me, therefore my mortgage is still current. 
I asked U. S Bank for Loss Mitigation help or a modification. They are just giving me the runaround. First they said they were processing it, then they stated that they ca n't help me because my mortgage is current and must be behind at least three months past due. 
That is ridiculous and sound like they are just blowing me off. Please help me.

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 08-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My ex XXXX in XX/XX/XXXX and had an out standing balance on his student loan. The Jude ordered that I was not responsible for his college debt when we divorced in XX/XX/XXXX. In XX/XX/XXXX I started receiving notices that I was delinquent on MY student loan. I called Navient and sent letters explaining that this was not my student loan, that it was my husbands who had XXXX. I also mentioned that the judge had ordered that I would not be responsible for his debt. Navient told me it was infact my loan, for my XXXX XXXX  education. I was never enrolled in college let alone XX/XX/XXXX!!!
I need help with getting this dismissed for breavement.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Problem with fraud alerts or security freezes

Complaint: My wife and I have been victims of identity theft. Someone stole our SS # and filed false XXXX XXXX XXXX returns on us. 

We live in the state of Oklahoma. The law in Oklahoma indicates we can freeze, unfreeze and refreeze credit without a cost. 

I tried to go online today to freeze our credit with TransUnion but they offer no option to freeze credit with the entry of a police report number or to upload the police report. My next step was to call them in hopes I could get this accomplished rather quickly and simply by phone. 

In my discussion with a person residing in XXXX who I could not understand, they again tried to have me provide my credit card information to freeze my credit. I informed them that I had been a victim of ID theft, had a police report and the law in Oklahoma allowed me to freeze our credit without cost. They refused to freeze our credit but instead required that I mail them a copy of the police report. 

After being asked to speak with a supervisor, again who I could not understand, I was told I had to mail them the police report. 

It would appear TransUnion is attempting to make this process as difficult as possible so as to avoid the placement of a credit freeze on our accounts. I find this totally unacceptable. In today 's society it would be very simple for me to upload a copy of the police report from my computer but there is no option to do this.

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 11/29/2017 about Checking or savings account (Other banking product or service) with Automatic Data Processing, Inc. (NJ).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: I had a flexible spending account with ADP. I would put XXXX toward my medical bills each year. In XXXX I had a filling filled and my XXXX gave me a receipt. XXXX did not accept the receipt because it was n't itemized. I then sent the explanation of benefits from my insurance company. I thought that it was set. However it was n't. And I lost the XXXX dollars from the XXXX plus everything that was left on my flexible spending account because they locked my account until I could produce a itemized bill that was not an EOB. This was about XXXX dollars. It stung but I swallowed it. 
In XXXX I planned to have a child so I signed up for XXXX XXXX. This time putting XXXX dollars are the card since I knew my care would be expensive. I also spoke to my drs and was assured that I could get an itemized receipt for services. I tried to use my card and was told the card was still locked pending the receipt for XXXX. I explained that I had forfeited XXXX dollars then and that I could not get a receipt at this point. XXXX then told me it would not matter, as I only have 1 year to submit a receipt. So I asked how do I resolve this and fee my funds. XXXX told me that I could not and that all XXXX dollars would be forfeited at the end of the year. I got my company HR involved but they could not help me either. 
I then called a few class action suit attorneys but did not have the time once my daughter was born to follow through. There may not be much you can do for me, but I hope this does n't happen to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I have had a morgage with PNC for many years - recently I am going through a bankruptcy and was required to do a modification on the loan as i was behind several payments and needed to get the arrearage put back in loan and perhaps lower the interest I have submitted a XXXX page document with everything required then PNC said that the didnt receive a whole bunch of documents that i clearly had faxed to them so I resent all required documents by certified mail signed receipt required - i received the signed receipt back from PNC after several weeks i didnt hear from them so i called them and they said that they never got anything but that they could not contact me as im in bankruptcy PNC is trying to foreclose on this loan and yet every time i submit documents they say they didnt receive them! 
they also said that they sent a letter to the trustee of the court letting them know what they needed - but the trustee of the court is not the correct place to send that letter - they need to send it to me and my BK attorney they keep saying they cant/ wont talk with me as im in XXXX XXXX my BK attorney has sent them several letters giving them permission to talk directly with me they have now rejected the modification that i submitted XXXX plus pages of paperwork for based on " not getting required documentation " and that i have to resubmit everything frrom scratch eventhough they have a lot of the documentation already on the XX/XX/XXXX there will be a hearing to foreclose on my loan so i am scrambling to get all paperwork together again! 
i can only think that they are either very inefficient and sign for documents that dont make it into the right department, their emploees do ot know what they are doing as the give me incorrect information or they are manipulating things to deliberately prevent me from getting a modification review so they can foreclose i recently made a payment of XXXX $ to start clearing up my arrearage but they show no kind of helfulness at all to help me in the process of getting the documents to them - in fact they make it as difficult as possible every time i speak to someone there they tell me something different -in deed- last week they told me they had all the paperwork / this week they say they didnt get it! 
i left a long message to a supervisor on monday asking for help to clarify things -today is wednesday havent heard back - i refuse to lose my home because of their communication issues i need someone to help me get a handle on the situation

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Credit reporting () with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Paid account for wellsfargo on my report, please remove

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 02-05-2018 about Checking or savings account (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Hello CFPB I recently applied for a Premier Checking account with XXXX XXXX XXXX. The account was approved on XX/XX/XXXX. I then deposited XXXX dollars into the account and had no further activities since the account was approved. I found out yesterday that I can no longer access my account without any notice or explanation from HSBC. 


I called customer service today on XX/XX/XXXX and was finally told that due to " rules of deposits '', HSBC has decided to close my account with no further explanation or possibility to resolve. I can not possibility imagine that depositing XXXX dollars into my HSBC account has violated any rules for deposit or wronged the XXXX XXXX. Note there is absolutely no requirement for minimum balance level, and my account was already properly approved. I had absolutely zero activities since my initial deposit of XXXX dollars. 

Further, when I called customer service, the client relationship manager refused to have me talk a manager and informed me that HSBC is unlikely to do any business with me in the future! I mean I am now banned from opening any accounts with HSBC. If they don't want to do business with me, they don't have to approve my account in the first place. 

If HSBC is so negligent and improper for dealing with US customers, I sincerely hope their Charter be reconsidered for this country. 

Best, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX XXXX has my XXXX XXXX as XXXX as reported by Experian, this is totally wrong! Therefore, I was charged a high deposit to establish service with XXXX XXXX. I called every number to speak with someone at Experian and all I get is automated and no customer service. My score is XXXX, and I have had to put out more money on deposit than I should have. XXXX XXXX won'y take any responsibility on the matter so I have zero help on both ends.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Debt collection (I do not know) with Element Global Services (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX XXXX called my home number listed allegations filed against me and failure to contact her will result in legal action. the name given ( XXXX ) is not anyone that resides in our home, currently or previously. We do not have any outstanding debt, or allegations against us.XXXX. number stated it is a debt collector and kept me on hold ( probably long enough to get my office number ) and then told me the person at number XXXX is not available, please leave a message.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: TransUnion has a wrong name XXXX XXXX XXXX listed and several collection items which are listed which are unknown. I have requested several times these things be removed and nothing has transpired. Please help

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 04-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Chapter 7 bankruptcy from over 10 years ago on Trans Union. The information was pulled from a third-party reporting and I was told by the court they do not report therefore it needs to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax removed several fraudulent accounts from my credit and then they out the fraudulent entries back on my credit. I have been going back and for the with this company for almost XXXX months now about this issue. I have sent them an id theft packet and I supplied them with a certified police report along with some XXXX card in the police records department. 

Also they have blocked my credit so that I no longer have access to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I 've worked for XXXX for almost 10 years now. When the public service plan was advertised I contacted XXXX XXXX to ask if I was eligible. I was told no because I 'd consolidated my loans already. So I left it at that but still participated in the IBR plan. Last year, I thought I 'd just check again. This time I was told that yes I would be eligible, but would have to transfer my loan to the government directly, and the almost 10 years of consistent repayment would be erased. Had the XXXX XXXX Rep explained that I would have to move my loan from them, I 'd be in a different situation. I feel like that information was withheld on purpose.

Company response to consumer: Closed with explanation