milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/23/2015 about Credit card () with U.S. BANCORP (GA).
Issue: Advertising and marketing

Complaint: Just applied for and received a credit Card from US Bank, we tried to make XXXX purchases over XXXX as XXXX are some travel points associated with the card. US bank wil not allow us to charge anything over XXXX, even though credit scores are in the high XXXX 's and we had a mortgage with US Bank until a few years ago, which was never late. US Bank also indicated in an email the following : XXXX Points per {$1.00} spent in eligible net purchases at XXXX XXXX hotels worldwide. 
Bonus Award Nights -- When you redeem Points for XXXX or more consecutive Award Nights, your last night is free. Plus:XXXX New Account Bonus : To earn the XXXX-time XXXX Purchase Bonus of XXXX Gold Points, you must XXXX make a purchase with your XXXX Premier Rewards Visa Signature credit card ( " Card '' ) within 90 days after your Account was opened. You may earn an additional XXXX-time Spend Bonus of XXXX Gold Points ( XXXX Gold Points for Platinum Rewards ) if you spend at least {$2500.00} ( {$1500.00} for Platinum Rewards ) in Net Purchases on your Card within 90 days after your Account was opened. " Net Purchases '' means authorized purchases of goods and services minus any returns or refunds, and does not include Advances ( as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements ), Annual Fee, convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, XXXX XXXX purchases, or transactions to purchase cash convertible items. Once you qualify for either the XXXX Purchase Bonus or the Spend Bonus ( collectively referred to as a " New Account Bonus '' ), please allow XXXX to XXXX weeks for the Gold Points to appear in your XXXX account. Neither New Account Bonus is available to applicants who have had this Card or another XXXX XXXX credit card product within the last 12 months. If your Account is not open for at least 6 months, XXXX XXXX and U.S. Bank reserve the right to deduct the New Account Bonus Gold Points from your XXXX account. 
They mislead us when we applied for credit card and now they will not allow us to charge enough to be able to use the benefit before the benefit goes away ... seems to me this is deceptive advertising

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Credit Management, Inc (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The account was paid in full and agreed to be removed from my credit history. However the account still remains on XXXX and XXXX. Please remove. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ( XXXX ) XXXX Placed for Collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$0.00} Date Updated : XXXX/XXXX/XXXX Last Payment Made : XXXX/XXXX/XXXX Original Amount : {$76.00} Original Creditor : XXXX ( Medical/Health Care ) Pay Status : & gt ; Account Paid in Full ; was a Collection & lt ; Date Closed : XXXX/XXXX/XXXX Date Paid : XXXX/XXXX/XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (RI).
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 am writing to register a formal complaint against  Citizen 's Bank r egarding predatory overdraft fees.  <P/> On the morning of  XXXX   XXXX   2017, I lo gged into my online banking account via the Citizen 's Bank smartphone application, at which point I learned my checking account was overdrawn by {$20.00}. Upon closer examination of my recent transactions, I discovered that Citizen 's Bank had levied  XXXX  overdraft fees of {$35.00} each against my checking account on  X/X/2017   , for a total of {$100.00} in overdraft fees.  <P/> My account was not overdrawn as of  XXXX   XXXX   2017. Ac cording to my records, my account had a positive balance of {$75.00}, nor were any pending transactions listed. Please note that Citizen 's Bank 's smartphone app does display pending and " on hold '' transactions prominently, and that no such transactions had been displayed.  <P/> I contacted Citizen 's Bank for an explanation. I was told by a representative named  XXXX   XXXX  that the most recent deductions and debits in my account had occurred in a different chronological order than that displayed in my online banking account, which had resulted in the first of the  XXXX  overdraft fees.  <P/> I asked  XXXX   XXXX  's supervisor, a woman who identified herself as  XXXX   XXXX , to waive the fees, and was told that although Citizen 's Bank could not be held responsible for the problem, the bank would be willing to refund  XXXX  of the  XXXX  overdraft fees - a strange solution to a problem they had supposedly not caused and could not be held accountable for.  <P/> Shortly after the conclusion of the conversation with  XXXX   XXXX , I learned that Citizen 's Bank had refunded  XXXX  of the  XXXX  overdraft fees, despite having not been explicitly instructed by myself to do so. Again, this seems strange, given Citizen 's Bank 's refusal to accept responsibility for this error. This fee rebate can be seen in the attached screenshot of my recent checking account activity.  <P/> Given Citizen 's Bank 's history of deceptive practices regarding checking account fees, I wish to formally complain about these unfair and predatory banking practices. My income is very modest, and to lose so much money to fees that could have easily been avoided had Citizen 's Bank provided me with accurate transaction records is not only utterly infuriating, but also completely unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Had credit report ran to obtain mortgage loan  XXXX  2017, was told I need to get dispute remarks removed. Immediately called all  XXXX  bureaus  XXXX , TransUnion, and  XXXX . Was told by each company that they would be removed. Waited 30 days and still showing on credit report. Called all  XXXX  bureaus a second time in   XXXX   2017 and waited another 30 days still dispute remarks are there. Called a 3rd time   XXXX    2017 and dispute remarks are still there. Even called creditors and no luck after being told they were removed.

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 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: This will be my 2nd request for an accurate update and to no avail has it been corrected on my credit report, nor updated.

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 06/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Columbia Recovery Group LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The company that submitted this debt is a new management company that took over a rental unit I was renting. I paid the full amount to the office staff in the crossing at the bay. The company fired the office staff and got a new name and new management and the submitted this collection in error where it was paid in full. I went to the office and spoke to the last office staff XXXX that was still there and she told me not to worry bout it will be removed. It 's not my fault she see the account paid in full. Original amount was XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage and a Home equity loan thru XXXX and it was bought out by BB & T and has been nothing but problems and I received several late fees on an extra account that I did n't know I had. My payments have changed and the terms of my loan have changed and they stated there is nothing they can do about it. I did not sign anything to acknowledge any of these changes just that my prior company has been bought out and nothing will be changed but where I send my payments. Unfortunately this could n't be further from the truth. My mortgage payment changed nearly {$300.00} more and my home equity loan has another account which I owe another separate payment on which I had no idea I now have XXXX accounts. I tried getting this rectified and I am told they can not just keep it as one account and any time I want to borrow money again from my current home equity loan it will draw from that other account as a cash advance and I will have 2 monthly payment which is not what I agreed to per my original contract. This has to be fixed. No one ever calls back and when they do they have no idea why they are calling and no recollection of any of our previous conversations which I always save on my phone. Please Help, thank you

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 05/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: ON or about XX/XX/XXXX CountryWide Home loans INC allegedly sold my note for my house to XXXX AS TRUSTEE FOR HOLDERS OF XXXX XXXX ARM TRUST, MORTAGE PASS- THROUGH CERTIFICATES, SERIES XXXX, but prior to that transaction I have evidence that has come forth by way of collateral file. A Deed of trust from CountryWide Home Loans INC transferring all beneficial interests to XXXX XXXX as trustee for the note the date this occured was XX/XX/XXXX. along with this DOT was a allonge endosed to XXXX XXXX. 
Somtime in the year of XX/XX/XXXX CHL decided to void out the allonge and stamp on the original note a blank endorsement so that they could allegedly sell it to the trust. CHL has commited mortgage fraud, spoilation of evidence, S.E.C. fraud that violates trust laws, these violations need to be investigated thourghly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Consumer Loan (Installment loan) with CURO Intermediate Holdings (TX).
Issue: Managing the loan or lease

Complaint: XXXX 2016 I borrowed {$200.00} from Speedycash using their online Installment Loan service. I have made several attempts to payoff the loan. Although the website publishes a way to payoff the loan at their website, my payment is not accepted. I have noticed my debit card has an incorrect expiration date so Intried to correct it but the response that is returned says the card number is already on file. I sent Speedycash an email to call me or fix the payment issue. I have received no response. I believe this is a deliberate attempt to prevent me from paying off my loan. 

I will make another attempt Friday, XXXX XXXX because another fee will be due Monday, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This complaint was resolved as identy theft 5 years ago by the FCC. Now I 'm getting notices again. I do not know what to so to stop this

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I found a collection record in my credit report for {$35.00} without any notices from XXXX XXXX XXXX in XXXX XXXX 2014. They said the only way to remove it from my report is to pay if off. I paid it off but it 's still show in my record.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Other transaction issues

Complaint: On XXXX XXXX I attempted to use PayPal to transfer money to another PayPal ccount as I have done many times in the past. The website has been updated and rather than the usual transfer, PayPal interpreted my request as a request for an e-check issued on my bank rather than transfer from my PayPal account. There were insufficient funds in my account to cover an e-check because I had transferred the money to my PayPal account. My bank charged me {$30.00} for the insufficient funds transaction. I contacted PayPal through their dispute resolution process explaining the problem and asked them to cancel the E-check. Today XXXX XXXX XXXX ), I received a second notification that my bank had charged me a further {$30.00} as PayPal had made a second attempt to withdraw funds from my account. 
I also attempted to contact PayPal through numerous telephone numbers they provided for customer service ( Including the XXXX PayPal provided in their email response to my disput request ). All of these numbers answered with the message " You have reached a non-working number ''. 
i also made a second attempt to transfer money between PayPal accounts. The transaction was sucessful, but failed to display a confirmation page to review the details of my transaction before confirming it. the transaction just went through without the intermediate page. 
There seem to be several problems with this experience .... 
1 The PayPal website apparently misinterpreted the payment type I requested, initially costing me a {$30.00} penalty from my bank. 
2 PayPal acepts no responsibility for potential problems in their new website. 
3 PayPal provides no real-time human help for customer problems or disputes but provides several non-working telephone numbers giving the impression that they provide such a service ( e.g. XXXX XXXX XXXX ). 
4 PayPal ignored my request to cancel the erroneous transaction and incurred a second {$30.00} penalty for me by ignoring that request and submitting the payment request to my bank a second time. They also do not provide a feature on their website to cancel the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: No!!! 
They didn't address none of my issues!!! 
I have police report for the fraudulent use of my personal information. This particular increase did not pertain to me that inquiry range of from XX/XX/2017 to XX/XX/2017. 

This is illegal for anyone to apply for credit using my information. I want proper verification for the use of my personal information. This company has sold my information to a company for profit against my consent ... 

Noting was done to resolve this.. I request probably removal of all increase in this range. Because my information was used illegally ... 

Police Report # XXXX XXXX Police We understand that they do not want to remove because they recieved money for selling my personal information. But I was not informed on the use of my identity. 


Recently received email saying complaint closed. They haven't provided any proof of verification they are just saying they had permission. But if you didn't get information from me personally then it is illegal to sell my information for profit with out my approval, permission, or request. Therefore this information is totally false! 

After speaking with creditors they haven't attempt to even gain the information need to even prove this claim. They just taking it upon themselves to say its verify with no contact to creditor nor any documentation to prove they had the right to sell my information!!! 


I will like to Opt out any promotional programs that they use to sell my information with out my content. Take me off this listing because I've never agreed to this use. 

I demand immediate removal of all inquiries and false accounts from my statement

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 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a loan with XXXX XXXX XXXX. I set up and auto-pay online. I assumed all was well until I received notification that my account was delinquent. They never emailed me on this matter even thought they do have my email address. They said they called but never reached me. The moment I found out about this I rectified the issue. Now my credit report shows a 30 day delinquency even thought their website failed to process my auto-pay. I have a 30 year credit history with no delinquencies. I would like this resolved due to the error on their side and their lack of contacting me to give me a chance to resolve the problem prior to going to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In   XX/XX/XXXX  I  discovered that my credit report was showing a 30 day late payment fro m Wells Fargo Dealer Services  from   XX/XX/XXXX . I n   XX/XX/XXXX  I mai led in my monthly payment for the correct amount ( {$290.00} ) and ON TIME (   XX/XX/XXXX  ). W hen I received my   XX/XX/XXXX   bill/statement, I discovered that my new bill was for {$410.00}. At that point I looked at my checking account and discovered that someone had incorrectly entered the   XX/XX/XXXX  check  amount for {$190.00} instead of the amount the check was written for. I immediately called  Wells Fargo Dealer Services.  I explained to the customer service representative that I talked to what had happened and even asked them to look at their image of the check and they could see it was written for the correct amount. The person I spoke too acted as though it was n't a problem and told me just to mail in the next payment as usual, to which I did. The next payment was mailed i n on  XX/XX/XXXX  a nd for the amount of {$410.00}. At that point I never thought anything else about it, and only until I checked my credit did I discover that W ell 's Fargo had w rongly reported to the credit bureaus that I was 30 days late on my payment.  <P/> After discovering this, I immediately filed a credit dispute with all  XXXX  credit bureaus as well as contacting  Wells Fargo Dealer Services. I  was told b y the Wells Fargo Customer Services Representative that I should fax a letter along with my   supporting documents to their Credit Report Dispute Resolution Unit. I did exactly that, sending them a letter as well as a copy of both the   XX/XX/XXXX  and  XX/XX/XXXX  checks as well as the dates that both checks were pro cessed through my bank. This was faxed to them on   XX/XX/XXXX . On  XX/XX/XXXX  I   received a letter from t he Credit Dispute Resolution Unit ( Wells Fargo ) stati ng that they verified that the information submitted to the credit reporting agencies was accurate and asking that if I had any cancelled checks or other records I should sub mit to Wells Fargo. I  HAD ALREADY PROVIDED THE CANCELLED CHECKS WITH PROCESSING DATES IN THE INITIAL COMPLAINT. I called  Wells Fargo again, a nd asked to talk to someone in th e Credit Dispute Resolution Unit. I was told that they were correspondence only, and there w as no one I could actually talk too. I then asked to speak to a supervisor and apparently I have been put on another dispute resolution case. Each of the  XXXX  credit bureaus have apparently updated their information to show the payment amounts for   XX/XX/XXXX  and  XX/XX/XXXX but the 30 day late payment has remained, apparently   becaus e Wells Fargo has "  verified '' their 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 10/17/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX XXXX I deposited a total amount of {$1800.00} to an ATM outside of Chase located on XXXX XXXX and XXXX XXXX, XXXX, AZ. I was only credited for {$1200.00}, I have filed a claim for the missing deposit of {$600.00} but it was denied. The claims department directed me directly to the branch that mishandled my deposit, while at the branch no one could help and directed me to the Police department to request a subpoena and consent form in order to get copies of my deposit receipts and transcriptions of my calls to Chase claims. The police department had no idea what I was talking about and directed me back to the bank. The second time around I was highly upset and spoke to a manager at Chase on XXXX who was able to get me copies of my receipts which showed the discrepancies of missing funds but could not help me recover it. The manager told me to fax the receipts to Chase which I did but in return to only tell me they did n't receive anything. On Thursday XXXX/XXXX/XXXX I filed a claim with Chase Executive Office claim # XXXX as an urgent request but still nothing has been done. I have exhausted all options and am really upset that this bank is stealing my money at no fault to me. I ask for your assistance in recovering my funds as my bills have been delayed due to the lack of funds on my account. I am beyond disappointed on the mishandling of my account and money.

Company response to consumer: Closed with monetary relief