milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-07-2016 about Credit card () with TD BANK US HOLDING COMPANY (GA).
Issue: Customer service / Customer relations

Complaint: I GOT MY ALLY CASH BACK XXXX CREDIT CARD ON XXXX XXXX. I HAD GIVEN MY CREDIT CARD ACCOUNT TO XXXX FOR MONTHLY PAYMENT. XXXX WAS TRYING TO TAKE MONEY ON XXXX XXXX, BUT THIS BANK REFUSE THEM. AL THOUGH I ACTIVATE THIS CREDIT CARD IN XXXX.BUT THIS BANK HOLD MY CREDIT CARD ACCOUNT WITH OUT INFORMING ME. I DO NOT THEIR CUSTOMER SERVICE. THEY DO NOT HAVE ANY RESPECT FOR CUSTOMER. ALTHOUGH, I MADE PAYMENT ON THEIR WEB SITE ON XXXX FOR FIRST STATEMENT FROM MY CHECKING ACCOUNT. THEY CAN NOT CONFIRM MY PAYMENT. THIS BANK DID NOT TOOK OUT MONEY FROM MY CHECKING ACCOUNT AS OF XXXX. GENERALLY, CREDIT CARD BANK TOOK TWO TO THREE DAYS TO WITH DRAW FROM OTHER CHECKING ACCOUNT. BUT THIS BANK TOOK MORE THAN A WEAK. THIS CREDIT CARD WAS ISSUED BY TD BANK, NEW JERSEY. I DO NOT APPRECIATE THEIR CUSTOMER SERVICE AT ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My wife has a XXXX XXXX XXXX sky miles credit card, her name is XXXX XXXX XXXX I was just an additional non responsible member, when I pulled my report I saw that they are reporting me like 6 times for the same card, I immediately requested they should take me of from this card completely, when I made them aware that they are listing me six times XXXX card limit and all maximized and its effecting my credit very badly they advised me it was a mistake on their end they will make sure to take it completely, they will just have me listed as XXXX time additional when in fact they left all the XXXX cards listen on my report and just saying that I was terminated. 
Thank you very much for you help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (Other debt) with CMRE Financial Services, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: THEY CONSTANTLY CALL AND REFUSE TO REMOVE ANYTHING FROM MY CREDIT REPORT AFTER I DISPUTED THE CHARGES. THEY ARE A THIRD PARTY COLLECTION AGENCY. 
I sent via certified mail, a request for your offices to provide me with proof of the debt you alleged I owed and not a computer printout, I would like to see papers with my actual signature of such debt and not a computer printout. In that same letter, I also included my Cease and Desist instructions. This is not my debt or it is a fraudulent account and it is not my account.
After verifiable delivery of my Cease and Desist & Estoppel by Silence letter ( via your office 's signature ) you continue to contact me. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense when I bring your company in front of a judge.
Not only have you ignored my prior requests for validation of debt also you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : And I do mean all 4 request not some. 

Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature ( Not a Computer Printout ) -License proof to collect debts in my state And a copy of my NYS Photo ID which is required to open this type of account

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX  SPLIT MY CREDIT REPORT INTO  XXXX  RESPECTIVELY!  <P/> TO KEEP THE  XXXX  FILES COMBINNED THEY SUSPEND  XXXX  ONGOING DISPUTES IN DATA BASE ( SEE ATTACHED )  1 ) .CO NFIRMATION NO. XXXX  DATED  XX/XX/2016 - STATUS PENDING 2  ) .CONFIRMATION  NO. XXXX  DATED  XX/XX/2016 -STATUS PENDING 30.CONFIRMATION NO. XXXX  DATED  XX/XX/2016 -STATUS PENDING ITS APPARENT THAT  XXXX  IN SUPER GLUING MY CREDIT PROFILE AND CREDIT FILES TOGATHER.

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 01/25/2017 about Bank account or service (Checking account) with FIRSTBANK (OK).
Issue: Deposits and withdrawals

Complaint: To Whom it may concern, On XXXX XXXX 2016 I went into my First Bank to see if my money was pending, like I always do. Yes, it was pending, I waited till the first when the funds would be available, to pay my bills like always. The money was there like my ex husband and I agreed upon, for the child support. I paid my bills, on the XXXX of XXXX, I was sitting in the parking lot of the library with my daughter, looked at my gas tank ( which was on E ) checked my bank account. ( It was XXXX XXXX on a Friday at XXXX. ) I looked at my bank account on my phone, the amount was XXXX as I sat there starching my head, I said to my self, " This has to be wrong! '' I logged out, logged back in again and said the same thing!! I called the bank, the representative checked all my information, kinda sounding nervous, put me on hold and got back to me, saying, " That he, ( my ex-husband, who is NOT affiliated with First Bank in anyway shape or form ) went into my account and said, " There is a check in my name go9ing into her account and I want it back! '' And the bank gave it back to him!! I feel sooo invaded, First bank did n't call me to even let me know that this happened, just let him go into my out personal account and let him take away all of my child support money and our children 's XXXX money. I was unable to pay my bills, I had to ask XXXX XXXX, to help us keep the utilities on. I was unable to pay my mortgage, again for the second time!! The First Bank manager wanted to see a copy of my divorce decree, which I brought over to them on the next day Saturday the XXXX. How can this happen? I have been doing this transaction of {$2100.00} for months, with this bank. I spoke with the vice president of the First Bank, and basically that conversation went no where. How can this happen, how can alll of these people get away with taking my children 's child support away from them?!?. 
Police report # XXXX call XXXX for the police reports there are 9 of them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Debt collection (Other debt) with CL HOLDINGS LLC (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XX/XX/2018 This collection account unlawfully appeared on my credit and I havent received any noticed from the collection agency. I am unaware what this debt is for and Im not responsible for this balance. I would like account to be deleted permanently without being sold or transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: JP Morgan Chase basically accuses me of lying about the procedure and the fact that we provided every single piece of documentation that they requested in a timely manner. I ( as well as the attorney that I was working with ) mailed everything piece of documentation that they requested and in a timely manner. They are also basically of accusing me of lying when I tell about a representative refusing to accept a temporary payment when I called to make one after making them for several months. 
I am completely XXXX at the defamation of character and the fact that they can XXXX us over and left us homeless by foreclosing and selling the house when the sale was supposed to be stopped and they sold it anyway and just get away with it. 
I have reported this matter numerous times hoping that someone will help obtain a satisfactory resolution and I will NOT stop reporting the matter here or with every organization that matters.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Bank account or service ((CD) Certificate of deposit) with SYNCHRONY FINANCIAL (CA).
Issue: Account opening, closing, or management

Complaint: Consumer 's Original Complaint : Mass interest defrauding the consumer, paying consumers short on interest XX/XX/XXXX, while their Statements say they have paid interest from XXXX/XXXX/2016 thru XXXX/XXXX/2016 they have paid 1 days interest short to every sinle consumer. while telling the consumer it is correct. I have finally reached a manager XXXX XXXX, who has now admited this is in fact the case. It has been my suggestion that they need to pay every customer the short payment immediately, and this should be correct going forward. I really believe Synchrony Bank should notify every consumer accordingly on their web Site. They keep calling me, and still argueing, their Web site does not work either most of the time, see XXXX consumer complaints on line APR is also incorrect should be 2.30 % not what they are paying at all. 

Consumer 's Desired Resolution : Pay me and every other consumer this short paid interest immediately without delay, and generate corrected statements. We are talking about so much defrauding of the consumer. Only when I said I am going to contact a class action lawyer did they get a supevisor, and she then admitted they had a problem Not only that they are telling customers they are paying a vcertain APR, and not paying that amount at all. This is on CDS and IRAS,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: PORTFOLIO RECOVERY ASSOCIATES -- Opened XX/XX/XXXX ( 4 yrs, 5 mos )  Account status -- Open Responsibility - Individual Original Creditor Name -- XXXX XXXX XXXX XXXX XXXX Balance - {$3700.00} This card was a SECURED credit card with XXXX/XXXX XXXX. I have tried repeatedly to obtain information on this account from PRA and have received none of the information requested. This account was requested to be closed on XX/XX/XXXX and was never used after that date, no payment was made after that date.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 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: Problem with personal statement of dispute

Complaint: I was not notified that my student loans were due back, and it has now affected my credit greatly. These loans are low balances that I have no problem paying back, but I would like to discuss a possible dispute with payment? My credit score that I 've worked very long for has dropped over  XXXX  points because of something preventable. 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 10-09-2017 about Debt collection (Other debt) with Monterey Financial Services LLC (WI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I took out a small loan with Monterey Financial to pay for a course that I am taking. I have a payment book and every month, I pay my monthly payment, {$160.00} + XXXX ( fee for paying online or via telephone ) on or before the first of the month. Per the contract that I signed and the payment book that I have provided to me by Monterey Financial, a late fee is not assessed until the XXXX of the month. On XX/XX/XXXX, I made my payment online on the company 's website. Several days later, I received a collections call stating that my payment did not go through. I did not have immediate access to the account that I paid from to check so, I made a payment on my credit card. The company not only double charged my credit card but, the original payment that I made on the XXXX was indeed, withdrawn by Monterey Financial from the account.

Another couple of days later, I received a collections call from a representative from Monterey Financial stating that my payment went through on XX/XX/XXXX but I owed a late fee. The woman became argumentative and disrespectful toward me when I read to her the portion of my contract and the payment book that states that your account is not considered late until the XXXX of the month. The woman then hung up on me. This past Thursday, my husband and I paid off the balance in full online. I received another threatening phone call from Monterey Financial. 

I am writing to CFPB because of three concerns 1 ) I did not pay any of payments late. All of my payments were made online and I received messages stating this. Monterey has a habit of waiting to collect the monies from the account. I feel that they are doing this to " justify '' collecting a " late fee ''. 2 ) I am concerned that Monterey Financial will overtake-without my permission- the full balance that I paid this past Thursday. 3 ) That Monterey Financial is falsely reporting to the credit bureaus that a late payment occurred when that is not the case. I am asking for intervention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Debt collection (Credit card) with TRANSWORLD SYSTEMS INC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: On XXXX XXXX, 2015 I received a letter from Transworld Systems threatening to garnish my wages if I did n't make payment arrangements to settle an old account, {$5500.00}. I spoke to XXXX XXXX, account manager, of Transworld Systems , Inc and he informed me that I needed to pay XXXX % before I could make any arrangements. I said I did n't have that amount of money and he insisted I contact my bank, or another bank, and request a debt consolidation loan ; failure to do so would require them to garnish my wages. My credit report shows this account as closed, owning XXXX. I contacted legal services and told to contact you.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX I filled Chapter XXXX bankruptcy in XX/XX/XXXX and 7 years have passed. By law you MUST remove the Credit card account from Transunion credit report. You have refused to remove the account and this is why I MUST fail a complaint. See info : Account Details Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1800.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$10000.00} Payment Status Payment Plan Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ XXXX Times 30/60/90 Days Late 0/0/0 Remarks Chapter XXXX ; wage earner plan account XXXX XXXX XX/XX/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 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with ALLY FINANCIAL INC. (TX).
Issue: Unexpected or other fees

Complaint: I purchased a car and the dealership paid off the incorrect amount on XXXX 2015. I called several times requesting that they fix it and I got no response. I told the collection agency I do n't have that car anymore the dealership is responsible and each time I tried to speak to someone they would never get back to me with an answer. Several months went by resulting in a delinquent account and ruining my credit over {$260.00}. I finally gave up and paid the bill but it has made it very hard to get approved for anything.

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 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I do not have a contract with this company. Therefore, they should not be reporting any inaccurate statements to the credit bureau ; According to section 609.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Student loans in my name with wrong address and amounts. I did not take out the loans and I 've explained to the credit bureaus and XXXX. They are both refusing to help me correct this matter. Both companies sent me letter stating they validated my claim. without letting me know hoe, who validated the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with KEYCORP (MD).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I received a credit card in the mail from Key Bank that I never requested in any way. They were totally unable to explain why this would have occurred to my satisfaction. I think they 're opening " fake accounts '' in the same style as XXXX XXXX. I would like this investigated and to hold whoever is responsible for it accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Medical) with GOLD KEY CREDIT, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This debt does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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: Filed a dispute Pursuant to FCRA as well as a debt validation letter regarding several accounts on credit report. Also a statute of limitation on collection companies. See the companies below ; 1.XXXX XXXX XXXX, 2. 2 XXXX XXXX XXXX and 3.XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2017 about Debt collection (Private student loan debt) with AES/PHEAA (MS).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX of XXXX I called XXXX to make payments on four XXXX student loans that I co-signed for my daughter. I advised that the payment the service agent quoted was incorrect. After being transferred to three different agents I was advised that the payment was correct and one of the loans had been in deferment and now due. Ask when did the loan come out of deferment they advised XXXX XXXX. I immediately advised that I was not aware and nor had the previous payments made XXXX thru XXXX was I told a different amount was due. I requested that they review the recorded conversations to confirm that I was never advised that the payment had come out of deferment and I paid exactly what the agent quoted. I made repeated attempts to get the notices re-aged but to no avail. XXXX XXXX I sent a certified letter requesting the history be examined, the letter was signed for on XXXX XXXX and as of today I have not gotten a response. The notices caused my credit score to tank and which subsequently resulted in my equity line being closed and the payment increased, XXXX closed along with an increase in my mortgage insurance and credit limit on another card slashed from {$3400.00} to {$250.00}. This has caused a total melt down and I have yet to get a response. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-06-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Portfolio Recovery Associates say that I owe them several debts. I did not agree nor did I sign a contact with them at any time. I have sent Portfolio Recovery Ass several debt validation letters and they have failed to provide me with adequate documents and a signed contract from myself stating that I agreed to pay them this alleged debt. Since Porfolio Recovery Associates can not provide this information I wish to have all of their negative remarks removed from all XXXX credit reporting agencies that is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (MN).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Opened a XXXX XXXX checking account responding to a bonus offer for {$200.00} after receiving a qualified direct deposit. 
Terms state : Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account. 
The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above. The account must be open with a positive balance at the time the bonus is deposited. 

My employer made a direct deposit of {$300.00} on XX/XX/XXXX and again on XX/XX/XXXX. Per the terms the bonus should have been paid within 60 days of XX/XX/XXXX which it has not been, as of XX/XX/XXXX. Bank has not responded to my secure message inquiring about bonus payment.

Company response to consumer: Closed with monetary relief