milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/20/2016 about Credit card () with TD BANK US HOLDING COMPANY (IL).
Issue: Billing disputes

Complaint: Hello, I received an email on XXXX stating I needed to make a payment : Statement Balance : {$350.00} Payment Due Date : XX/XX/XXXX Minimum Payment Due : {$100.00} I not sure if they are charging me a late fee? 

How can Target report me for a late payment and send the account to collections when I have been paying the account. This has also lowered my credit score. I tried to talk to the company to correct their oversight, but they have informed me their is nothing they can do. 

I made a payment on : XX/XX/XXXX {$100.00} XX/XX/XXXX {$250.00} ELECTRONIC PAYMENT I received a letter that my account went to collections. I called the Target to correct the matter on XXXX. I was told that they will not correct their report to the credit Here is all my payment history : XX/XX/XXXX {$250.00} ELECTRONIC PAYMENT XX/XX/XXXX {$100.00} ELECTRONIC PAYMENT XX/XX/XXXX {$170.00} ELECTRONIC PAYMENT XX/XX/XXXX {$370.00} ELECTRONIC PAYMENT XX/XX/XXXX {$290.00} ELECTRONIC PAYMENT XX/XX/XXXX {$190.00} ELECTRONIC PAYMENT XX/XX/XXXX {$520.00} ELECTRONIC PAYMENT XX/XX/XXXX {$50.00} ELECTRONIC PAYMENT XX/XX/XXXX {$180.00} ELECTRONIC PAYMENT XX/XX/XXXX {$95.00} ELECTRONIC PAYMENT XX/XX/XXXX {$35.00} ELECTRONIC PAYMENT XX/XX/XXXX {$220.00} ELECTRONIC PAYMENT I 'm not sure if I have been charged a late fee but if I have I would like that money returned ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (CA).
Issue: Managing the loan or lease

Complaint: I had an automatic Bill pay monthly to pay for the car payment. I received an email from my bank that the payment was made. I checked my credit report one month later and it showed 30 days late payment reported to the credit bureau. I checked the payment history with ally financial inc and found out that the payment was reversed by my bank and I never had the opportunity to know about it to correct it. I immediately brought my account current and I asked Ally Financial inc to remove this negative item from my credit report bcz it was not intentional from my part and it 's the bank who reversed it without my knowledge, they refused.

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 01/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. ().
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: A review of my credit report has identified a public record dated XXXX/XXXX/XXXX. This public record is a civil judgment regarding a bad debt to a credit card issuer. While the original trade-line has been deleted and replaced with the judgment, the original Date of First Delinquency was XXXX XXXX. It is due to be deleted in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NY).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: On XX/XX/XXXX I had attempted to have a authorized charge of XXXX go through. I was noticed that the charge was denied. I proceeded to log into my account to see what the issue was. I had received no notification on my phone or email. By that, I mean that if there was unusual activity on the card, I would receive a notification. I log into my account and was shocked that my limit was decreased from XXXX to XXXX. I had received no communication of any kind that this would happen. 

I had called my credit card company to found out why my limit was decreased. I was told that due to my other accounts having high limits, that the XXXX report submitted to my credit card company was the reason my credit limit was reduced. I have made 100 % on time payments and explain that I was supposed to be notified weeks in advance, but the representative could not give me a clear answer. I have a store card with my credit card company where my limit went from XXXX to XXXX! For the store card, the only reason I need about it is that I had receive a letter from my credit card company on XX/XX/XXXX, two days after I already knew that my balance was decreased.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: i am probably one of the millions whose personal confidential information is part of the breach into equifax. i believe equifax should be held liable and responsible for each and everyone of the upcoming damages coming due to this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: XXXX/XXXX/15 I wanted to check my credit reports with all XXXX agencies. Trans Union was contacted regarding the differences in the number reported by them that varied as much as XXXX points from XXXX sources. 
I contacted them. They said they do not get or give numbers to other companies but rather send the Credit Report & that company does its own analysis. This is NOT what they say in their advertising or even on their reports. If they are not supplying the number that they - in this case Trans Union arrived at, then their advertising and representation is misleading and fraudulent. I not only asked that the XXXX fee be refunded ( only 15 days in ) but that they cancel any further services. They cancelled but would not refund. I should not pay for misrepresentation. There should be a disclaimer stating there is a different website for the required yearly credit report and that they do not provide numbers from other agencies, only data read by them. As the CFPB please look into this for me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Last month the fly-by-night outfit ( Nationstar ) that bought my mortgage tried to charge me late payments dating back a over a year to XX/XX/XXXX, which of course would be illegal. However, since Nationstar acquired my mortgage my payment has gone up and down considerably without notice, so I looked at my statements. I 've owned my house since XX/XX/XXXX, and the purchase price at that time was {$23000.00} plus closing costs and my current mortgage statement with Nationstar states that I still owe more than {$20000.00} on my house -even though there were times ( since XX/XX/XXXX ) that I made double mortgage payments on the principal loan. I would like the CFPB to investigate the entire life of my mortgage loan, looking for irregularities of which I believe there are several. My Nationstar Mortgage reflects nothing from my previous loan/mortgage with XXXX XXXX XXXX so it appears as though my mortgage began in XX/XX/XXXX instead of XX/XX/XXXX when I bought my house. Nationstar wants to charge me {$15.00} because they updated their website ; they also have {$5.00} and {$10.00} 'fees ' added to my account indiscriminately from XX/XX/XXXX onward so it appears that I never paid my mortgage on time. They also want to charge me {$25.00} to see a payoff amount or the entire terms of my mortgage. This was never the case when XXXX XXXX XXXX held my mortgage, I could see my entire loan at any time. I 've asked Nationstar about all of this but they refused to send me any information, is there anything you can do to help me? Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit card or prepaid card (Store credit card) with Atlanticus Services Corporation (TX).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: On XX/XX/2017 I received an email from XXXX showing I had opened a new account With XXXX XXXX for a XXXX XXXX XXXX XXXX credit card The application for this card was approved by Fortiva in the amount of {$5000.00}. A purchase was made the day the card was approved for {$4300.00}. I contacted Fortiva to advise them that I did not open this account. Fortiva representative said my credit was was checked through the credit bureaus and was approved. I in formed them that I have had a credit freeze on all three bureaus since XX/XX/2017 and that they could not have seen my report in order to approve the application. I also checked with all three bureaus to see if my freeze was still in affect and it was and also checked with all three to see if an inquiry had been made by Fortiva. Each bureau stated no activity on any requests from anyone. I contacted XXXX XXXX Fraud Dept. and explained the situation. They stated that my credit had been checked and again I told them it was impossible to to check my credit because of the freeze on all three bureaus. They still insisted it was checked. I informed them that someone in their company had to approve the application without checking my credit and they should investigate who approved it. On XX/XX/2017 I received the XXXX XXXX XXXX XXXX  credit card and I received a bill from Fortiva ( attached ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Account opening, closing, or management

Complaint: I have a XXXX email account where much of my personal business was transacted. Since XXXX of this year, if not sooner, I started to received fraudulent, hacked alerts for accounts utilizing my social Security number, name, address stated I have accounts and out money On XXXX/XXXX/2016 also have an inquiry from Capital One Bank. I have had this problem before and would like this inquiry removed from my consumer credit report as part of this anti-ID theft action I an taking to protect myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Barclay Credit Card- reporting my account 120 days late in   XXXX   2017 when in fact it was not 120 days late. This company has inaccurately reported my account late on several occasions, after the account had been clos ed. I have made several disputes and they continue to update inaccurately on this 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 explanation
Consumer complaint received 02/14/2017 about Credit card () with CITIBANK, N.A. (SC).
Issue: Credit card protection / Debt protection

Complaint: I have been getting charged fees on a so called XXXX percent 18 month promotion from Best Buy through Citi Bank credit card. No one every explained or notified me that even though there is no interest rate tied to the purchase that there is a service fee of almost {$25.00} per month for an unwanted debt protection plan. This adds up to an extra {$500.00} in fees in a 18 month period.

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 01/22/2016 about Credit card () with JPMORGAN CHASE & CO. (MN).
Issue: Delinquent account

Complaint: I currently have a billing dispute regarding my credit card. While the dispute was under investigation, the bank reported my account negatively to the credit-reporting agencies. Can it do this? 
No. Generally, if you have filed a proper billing error dispute, the bank shall not make ( or threaten to make ) an adverse report to any person about your credit standing. 

The bank also should not report that an amount or account is delinquent because you failed to pay the disputed amount -- or related finance or other charges -- while the investigation proceeds. 

Chase put a 30 day late on my credit reports. I have tried to get them to remove this and they refuse. This was not my fault because I never received any notification by Chase. I finally setup electronic statements and then received them. I have done everything I can to resolve this with them with no luck. I just want the 30 day late removed from my credit reports. If I was responsible and it was my fault I would take responsibility but this was Chases fault. Now because of this mark on my credit this has lowered my credit score and I was not the responsible party that caused this. As I stated before by past record never showed any late payments on any of my accounts. In fact in my entire life I have never had a late payment on any of my revolving credit card accounts with any company, that 's a fact. I am now XXXX years old and why would I do that now? Chase has been a great company and service until now and they refuse to work with me on this. 15 years with Chase alone and never XXXX late payment so why would I have XXXX now unless this was a unique situation and not my fault. Individuals should not be blamed for mistakes that Chase makes. Have them check all my accounts through them and not one has ever had a late payment. Why would I have XXXX late payment when my credit through them has been perfect. Why would they credit the late fee if they were wrong? Why is Chase so willing to ruin peoples credit with no consideration that I have been a customer of theirs for 15 years and never XXXX late payment? This pertains to account number ending in XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Loan modification,collection,foreclosure

Complaint: A hardship package was submitted to Wells Fargo on XXXX XXXX, 2015. Client was approved for a XXXX trial plan in the amount of {$2000.00} for payments due on XXXX, XXXX and XXXX. The escrow amount of the PITI payment was extremely high ( $ XXXX/month ). We asked several times for clarification from Wells Fargo on the breakdown of the escrow, but they were never able to fully explain why the amount was so high. We also spoke with XXXX XXXX and they provided a declarations page showing an amount that was much lower. The borrower subsequently fell behind on the trial payments due to the high payment ( {$630.00} more a month than the amount provided by XXXX XXXX XXXX. We tried to submit another hardship package so this can be appropriately reviewed but they told us that the only way we can qualify for a resubmission is if my income has been reduced. Client is still struggling to make his mortgage payment due to huge escrow payment.

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 09-04-2015 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Problems caused by my funds being low

Complaint: PNC Bank paid XXXX of my online checks a day earlier than I had scheduled it to be sent. When scheduling an online bill to be paid the actual field is labeled SEND ON and then you can click on a calendar and select a date. I selected my payment to SEND ON XXXX/XXXX/15. It cleared my account on XXXX/XXXX/15, creating a negative balance, so now I have incurred a fee of {$36.00}. When I called PNC Bank, I was told that their policies and practices are explained in the fine print, so they would not refund the fee. So evidently, somewhere the fine print reads, any check you request the bank to SEND ON a specific date, could possibly be sent much earlier and actually CLEAR your account before the SEND ON date you requested? Well is n't that a win-win for the banks. WIN ... .their operations do n't have to be responsible or intelligent and the language they use can be deceptive. WIN ... .they can charge a fee when a payment clears earlier and makes an account negative. XXXX are collected by banks through these fees and on processes the banks have DESIGNED to produce fees. As long as they disclose their inept practices and warn the consumer that their inept practices could cost the consumer, it 's all legal? If the consumer did n't bother to read and comprehend the XXXX page legal-eze that appears before they click to sign up for a service, then any nasty thing that happens is legally the consumers fault? Is it now even legal for banks to use deceptive language, like SEND ON?

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with QUICKEN LOANS, INC. (WV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Quicken loans XX/XX/2017 Did a hard inquiry on my report and said I told them it was fine, I was shopping around for a lower rate but didnt talk to anyone or meet, said I would get up to 3 free offers and when I clicked on them they han it and didnt think they would do that. Talked to them and said well you did and we wont remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A company called JH Portfolio is wrongly reporting a collection account on my credit file with all three national credit bureaus. XX/XX/XXXX a company named XXXX was incessantly calling me about collecting an alleged debt. I told them to contact me by mail. On XXXX XXXX, XXXX they sent me a letter claiming that JH Portfolio has hired them to collect money from me and that they were offering me 70 % discount on {$2300.00} I owe JH Portfolio debt Equities. So they were asking me to send them {$690.00}. I responded to XXXX letter asking them to validate their claim, which they never did. But to my surprise and without any notice, on XX/XX/XXXX JH Portfolio reported a collection account for {$2300.00} with remarks saying '' account placed for collection '' in XXXX/XXXX/XXXX and " Date updated '', XXXX/XXXX/XXXX. 
These remarks are strange since JH Portfolio Debt Equity appeared on my credit reports for the first time on XXXX/XXXX/XXXX and I am not sure who placed a collection account with them. JH Portfolio Debt Equities did not sent me a notice for {$2300.00} debt before inserting negative information on my credit file. On XXXX XXXX, XXXX I addressed them a letter asking for debt validation. Until now I have not heard from them but on XX/XX/XXXX they inserted new remarks on my credit reports saying '' account information disputed by consumer, meets FCRA requirements ''. How can account information meet FCRA requirements when they inserted negative information without prior notice to me and are refusing to respond to my request for validation?

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Debt collection (Payday loan) with Financial Credit Service, Inc. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Debt CollectionMy sister sent me a recorded message from a XXXX XXXX that threatened to serve her court papers at her home or job regarding allegations against XXXX XXXX for issuing worthless checks. I call the number, the representative answer the phone and she immediately asked me the name of my attorney and the attorney 's phone number. I attempted to request information on what the debt was for. The Rep said it was for finance charges for a payday loan. The debt was for Finance Charges for an online loan taken out in XXXX 2011, and that the company was fully prepared to press charges to the fullest extent of the law with Felony Theft Charges if the debt was not resolved. I asked what company and she said XXXX XXXX. She offered me a deal to pay that day but I explained that I had no money and an eviction notice in my apt . I offered to set up an auto payment for XXXX XXXX, since XXXX that elect XXXX pays get a lump sum on that day. She told me to call back. When I called back she said the company said no. They wanted the money right then and will press charges for Felony Theft to the fullest extent and Fake check writing charges which could have fines in the XXXX of dollars and up to 10 years in prison. They would send that info to the circuit courts and I would have a warrant issued. 
She said the sent letters and emails notifying me of this situation. The letters were sent to and old address XXXX XXXX XXXX XXXX, FL XXXX. I told her that I have not been at that address for years. She said Check you email. I explained to her that I had and I did n't find anything. I then requested some kind of documentation of the debt. I said, " would you please send me a copy of the debt? '' She said, No they wo n't cuz that would give me another 90 days and the company is prepared to file charges. If I could at XXXX. That day they would press charges for over XXXX in finance charges. I then requested a web address and account number so that I could at least look up the debt. She said, " no they did n't have XXXX because they are working for the attorney office. " I then asked if she be able to send it to my phone via text. She said, No, that they would not send anything. That I just needed to pAy the debt. I asked her if there was anyway I could verify the debt and that I am not refusing to pay it if I owe but I need to make a payment setup plan and I needed to make sure the debt was legitimate. She said no that they would n't send me anything. I then told her that I would have to get back to her. 

XXXX We received Arrest warrant against your name under ACT XXXX ACT XXXX ACT XXXXKindly call as soon as possible before the case is downloaded into the court XXXX order to get brief information about the case before you have any trouble atyour home or job. 
XXXX XXXX # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Bank account or service (Savings account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/12, someone withdrew {$5000.00} from my mother 's account at Citizen 's Bank at XXXX XXXX XXXX in XXXX XXXX, CT. The savings withdrawal slip was made out in the name of XXXX XXXX. That is not my mother 's name. It is XXXX XXXX. Supposedly, the bank did an investigation of this matter and said that everything was in order, but no one supplied the results of this investigation to my mother. My higher is XXXX years old. She has XXXX checking accounts, and had no need to withdraw money from her savings account. She has been in ill health over the past several years and is rarely out if the house. She did NOT make this withdrawal. 
I have attached a letter by XXXX XXXX, a friend, who wrote a letter to the bank and discussed the issue with the bank manager.

Company response to consumer: Closed with explanation