milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Problems caused by my funds being low

Complaint: Santander Bank charges a $ 5 monthly fee whenever the " value '' checking account average daily balance for the month drops below {$500.00}. That 's OK and clearly described in their terms. The problem is that they post the fee on the first day of the new period, the day after they send out the statement for the period for which the fee is levied. This means that their customers checking balance is {$5.00} less than the customers expect, and for those customers who live on the edge, might result in hefty overdraft charges. I believe that sticking those unfortunate customers with those onerous overdraft charges as a result of a month long delay in notification of a {$5.00} service fee is the exactly what the bank intended. 

There should be a requirement that requires banks to post any monthly service fees charges on the last day of the monthly statement period so that they are included in the monthly 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not take my credit report and private information 's security seriously enough, and clearly did not do their due diligence in auditing their security systems that protect my privacy, liability, and my finances. This has real effects on a lot of people, myself included. Equifax has stated they believe my data has been compromised during their recent cyberattack, and this is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STATE FARM BANK, FSB (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: State Farm Bank is incorrectly reporting a 30 day past due on all of my credit reports for XX/XX/2016. After disputing the report with the credit bureaus it came back as " being verified '' by State Farm Bank. My payments were due on the XXXX of each month. A payment was made on XX/XX/2016 which is 21 days past due not 30 days past due as being reported for XX/XX/2016. Also this account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: I submitted a complaint to cfpb ( # XXXX ) inXX/XX/XXXX. It was corrected. Now, todate, I have the same problem re-existing on my credit report. I have sent letters to  TransUnion and to XXXX but had trouble disputing on line with XXXX. I have old statements showing the situation was fixed. XXXX  confirmation number is XXXX showing that {$350.00}. from XXXX was satisfactory and that the account is " closed. '' Whereas, on my credit reports, they state that amount above was never paid and is open and is still in collections. This is wrong. XXXX Account No.  XXXX - date opened:XX/XX/XXXX. This has a 0 balance is a closed account. It is shown as a " derogatory mark '' on my credit. 

Can you please help me rectify this again? 

Thank you for any of your help. 

Sincerely, XXXX 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 05-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: All address ' listed except XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Are not mine

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 09/23/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CT).
Issue: Making/receiving payments, sending money

Complaint: this is add on from my previous complaint with JP Morgan Chase Bank. the week when i found out about JP Morgan Chase Bank placing a pending closure /freezing my funds on my checking account. 
I went to the XXXX XXXX Chase Bank Branch, spoke with bank rep, manager, then Bank Rep manager branch called JP Morgan Chase Bank corporate, discuss my issue, stay in there for an hour. after all the discussion with Chase Bank branch manager, I should not be worried about the bills payment i had issued drawn to my checking account. all issued bills payment are going to be paid by Chase Bank via my checking account regardless of the pending closure/ freeze funds. 
& gt ; no worries ... 
Well that did not happen. XXXX was XXXX of the merchant i issued a bill payment. Since the bill payment was taken back by JP Morgan Chase Bank which made it worst. XXXX place my account on a limit status & gt ; No online payment, no credit or debit payment. all payments must be paid on XXXX kiosk at a location for a year. 
This is an outcome from jP Morgan Chase Bank actions. This is not my fault & lt ; i spoke to XXXX but damage has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (FL).
Issue: Charged fees or interest you didn't expect

Complaint: Company Speedy Cash onXX/XX/XXXX amount of {$310.00} Speedy Cash on XX/XX/XXXX amount {$260.00} Speedy Cash on XX/XX/XXXX amount {$310.00} Speedy Cash on XX/XX/XXXX amount {$290.00} Speedy Cash on XX/XX/XXXX amount {$300.00} Speedy Cash on XX/XX/XXXX amount {$310.00} I have disputed these loans several times through the credit disputes and this creditor keeps me in debt of these loans that I have not taken out.. I took out a loan in XX/XX/XXXX that was paid off and I also took out a loan XX/XX/XXXX that was unpaid because I have not straightened out these other fraudulent loans on my credit.. I have asked this company several times to remove or show proof that I applied for these loans or even received any money from these loans but they would not show proof or any documents.. I have been trying for years to resolve this issue .. it is tearing my life and credit apart.. I keep disputing but no avail. the credit bureaus have incompetently filed a dispute but they have not resolved the matter or gotten any proof from the company. Please have this company remove these fraudulent loans from my credit or show any documents showing this was me.. I filed an identity theft on my report also but that did not resolve the issue either

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (Federal student loan) with Navient Solutions, LLC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was contacted by their company to consolidate my loans, the man on the phone said it was the right thing to do and he cared about my problems. I was already paying another company {$5.00} a month, but was told consolidating with their company was the way to go. The man on the phone said it was easy and would walk me through all the steps on the computer. Of course, it was not easy and took much longer than expected. The man spoke very quickly ... I had little time to think about the decisions I was making, I just would click the buttons and move on. I chose the REPAYE payment plan which showed that I should only pay about XXXX-XXXX dollars per month as I make XXXX per year and care for my invalid mother. Now I have received a bill from their company for {$400.00} per month! One is already overdue! Worse yet, I went to the Dept. Of Ed. website and my student loans have appeared to double!!! As their company AND the previous company are showing me owing them both for the same student loan! I thought I was doing the right thing, I wanted to get my loans in order after years of neglecting them ... but this company has taken my trust and used it to their advantage! I will never be able to make these payments!

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Specialized Loan Services has been using unfair accounting practices to charge usurious fees, and also to claim I am 60 days late. I have spent days on the phone, much of it on hold for hours and hours, often getting hung up on after investing half a day, and each new person I speak with can not tell me directly the status of my account. Even their employees ca n't make sense of their internal ledger. When interest rates change, and my monthly payments is updated, I am not notified. Months pass and my automatic payments continue diligently, until one day I receive a notice to foreclose on my home. Shocked, I call them and, eventually discover I have a new payment amount, arrive at an agreement of what I actually owe, and make an additional payment to cover the differences and fees to become current. Many months later, as this has happened on several occasions, their accounting somehow shows something completely different. 
I am told that I missed payments. I have bank verification proving that I did not, but they insist, because of their bizarre accounting, that I am wrong! 
I am getting nowhere and I am beyond frustrated. It would not surprise me to learn that some of their methods are illegal. The hour minimum " hold '' times, rude representatives, muddy accounting, and the mysterious disconnects are very discouraging. By discouraging frustrated customers who are trying to resolve a problem, more fees will be generated - meaning more income for SLS.

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 02/25/2018 about Debt collection (I do not know) with First Federal Credit Control (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX, SSN # : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX MEDICAL PAYMENT DATA Dear XXXX   XXXX  XXXX XXXX XXXX I am writing to dispute the following information that appears on my [ XXXX or XXXX AND XXXX  ] consumer report : Dispute : " XXXX   XXXX XXXX XXXX " File Number : XXXX " I don't recognize the accounts in question. 
" I'VE BEEN MADE AWARE OF SAME NAME REPORTING " I HAVE NO KNOWELDGE OFNTHIS ACCOUNT Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX DEBT IS NOT MINE, SIMILAR NAME TO MINE WRONG REPORTING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Attempted debt validation as of XX/XX/XXXX, company has failed to validate debt and later added to my credit report harming my person. Without debt validation they have refused to remove said debt from my report, it is still showing up and being detrimental to my overall score as of XXXX 2017. Has sent numerous letters attempting to collect debt since XX/XX/XXXX, refuses to remove from my report, and was unable to validate  said debt. I have never had a contract with XXXX XXXX, XXXX and therefore do not owe this company a dime!

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: To Whom It May Concern : A system error has resulted in a negative credit report that I hope to get amended. 
I leased my car in XX/XX/XXXX and was making timely payments through XXXX ' own online auto-pay function. All payments were credited on time with no issue. An internal error resulted in two payments being pulled for XX/XX/XXXX. Subsequently, I suspended the XX/XX/XXXX payment. A second internal error cancelled the auto-payment function with NO notification. As you can imagine after 2+ years  of automatic payments, I did not check. There was absolutely no email, phone or written contact by XXXX. 

XX/XX/XXXX I received the first contact from XXXX that my payments were now late. Immediately the balance was cancelled and set up to date. Unfortunately, despite not receiving a call, email or letter prior to this my credit report was negatively impacted. I reached out directly to XXXX to attempt to clarify the situation but they were no help. 

Once my records are reviewed you will notice I have worked very diligently to make timely and responsible payments and maintain a clean credit report. I am aware that there are individuals that intentionally miss payments and try to manipulate the system. I would not be wasting my time or your if this were the case. Please remove this negative report from by credit score as I should not be faulted for a system error.

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 04-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have not been able to make my payments on several occasions. I was not made aware that there were other options other than forbearance. I continued to make monthly payments, but after the forbearance ended, my payments were not enough and they turned me in to credit agencies for not making payments ( even though I made auto payments monthly ). I was not aware of this for several months. I had excellent credit, but now my credit has gone from XXXX to XXXX because they listed me as non payment on XXXX loans for several months. I am still not in a payment plan based on income b/c I just read about them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (Credit card debt) with Genesis Lending (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have repeatedly have called my work and now have called my teenage kids and have scared them tremendously. They have called every day for the last XXXX months and as of XXXX/XXXX/XXXX called my kids.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I am disputing the debt collection practices of " XXXX '' and their associated debt collector, " The CBE Group , Inc. '' In XXXX of 2015, I closed my XXXX XXXX account, and settled the final bill over the phone. I was told by the agent that the bill was settled. In XXXX of 2015, I received an email from XXXX stating that I had a balance on my account. I explained to XXXX that the " early termination fee '' was incorrect, the agent said it would not be applied, and the situation was resolved over the phone. 

In the months following, I received no email, phone call, mail, text or other communication from XXXX. In XXXX of 2015, I realized that I had a collection on my account ( only after checking my credit report ) for the months of XXXX 2015XX/XX/XXXX 2015, which negatively impacted my credit score. Because I never received notification of the collection, XXXX and CBE violated the FDCPA - XXXX U.S.C. section XXXX XXXX XXXX ) which states : " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section .... 

( XXXX ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer ... 

( XXXX ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. '' -XXXX and CBE violated XXXX XXXX. XXXX XXXX XXXX ) ( XXXX ) because they conspicuously attempted to collect a debt, but did not attempt to contact me by any means, even though they had my email, address, and cell phone number ( my XXXX wireless number ). 

-XXXX and CBE also violated XXXX XXXX. XXXX XXXX XXXX ) ( XXXX ) because they failed to make any initial written communication at all.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Payday loan () with ZARVAD III S.A. (NV).
Issue: Charged fees or interest I didn't expect

Complaint: I have been paying {$180.00} a month through direct debit withdrawal from my checking account for several months on a {$600.00} loan. The {$180.00} a month was an " Extension '' that I thought was installments to satisfy the original loan. This company has received {$2000.00} in fees on a {$600.00} loan and I still have a balance due. They did send me a contract that I agreed to in haste and did not clearly understand. Although I understand payday loans, how is it fair business to charge this amount on a {$600.00} loan? This equates to over 300 % interest in just an extension fee??? There should be a cap on what they can charge you for fees.. {$180.00} a month as an " Extension Fee ''!! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Consumer Loan (Installment loan) with SANTANDER CONSUMER USA HOLDINGS INC. (SC).
Issue: Managing the loan or lease

Complaint: Santander Consumer USA somehow put my loan on auto pay when I have been paying by check since opening account. They withdrew an extra {$320.00} from my bank account in XXXX and XXXX of this year, causing {$140.00} in overdraft fees. I have been trying to get all my money back for month and everyone I call, they have excuse or need more information. They now owe me {$460.00} as s month has passed so another payment became due. They have embarrassed me at bank as I do not normally go in hole and I have n't been able to pay other bills and killing my credit! I work XXXX jobs and NEED MY MONEY BACK!

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX has put a false collection report against my credit. They are saying that I owe them {$690.00} for equipment that was not returned. When I cancelled our service with XXXX I took the equipment we had ( boosters to help with the cell signal in our home ) to a XXXX store for them to send to their warehouse for return. I received a bill from XXXX after this and explained that I had returned the items to the store. XXXX claims they never got them. I contacted the store 3 times and the manager assured me that the items had been returned. The first time they were sent to the wrong warehouse but they were tracked down by the shipping tracking number that the store had. The manager said it would take XXXX takes to get this updated. I tried to explain this repeatedly to the collection agents that called me but they were rude and just wanted money that I do not owe them. I have a voice mail from the manager of the XXXX store stating that these items were returned as requested. I do not owe this money to XXXX and from researching complaints online, there are thousands of other people that are experiencing the same thing with XXXX. They should not be allowed to get away with this type of scam. This is the second time that XXXX has put this on my credit report. I disputed it the first time and it was removed and then they gave the claim to another collection agency and the phone calls and harassment started all over. This is just plain wrong!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Prepaid card (Gift or merchant card) with CITIBANK, N.A. (CT).
Issue: Managing, opening, or closing account

Complaint: I received a Citi bank Visa pre paid visa card as a rebate from XXXX XXXX. The card had an extremely short expiration date of 6 months. The funds in the account were removed once past the expiration date. Per Federal Regulations I believe the card should not have had an expriation date under 5 years. I have contacted Citi bank who refuses to re instate the funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: I have a spark business credit card with capitalone and want to increase the credit limit to avoid to use personal credit card for business purpose. 

Since the limit is low, when use more than 10 % of credit limit will start decreasing the credit score. I have over {$150000.00} in credit limit on my personal credit cards. But I am not able to increase my credit limit with my spark business credit card. 

Please explain the reason provided : 1 ) Credit bureau information is missing or unavailable ( what is missing? ) 2 ) Recent use of this account 's existing credit line has been too low ( what is the correct use? ) 3 ) Your average monthly payment has been too low ( what is the correct amount? keep in mind I am using the balance transfer 18 months 0 % with 3 % fee, I have not interesting in pay the full balance in less the 18 months )

Company response to consumer: Closed with explanation