milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Th e Macy 's   XXXX   XXXX  Credit Card account was overpaid  and Citi blocked the account. After requesting a refund, Citi refused to refund citing " security review ''. This is directly violating the Truth in Lending Act : Per regulation Z, 1026.11. ( a ) ( 2 ), Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; Banks are required to refund the overpayment upon request within 7 days.

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 12/28/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On XXXX I contacted the creditor XXXX to settled this account. They referred me to a collection company that collected my payment settling this account in full. I contacted the original creditor today to see why they have n't updated my credit file and they referred me back to collection agency. The collection agency is NOT reporting this debt. The company XXXX is the one reporting it. I strongly feel they are the ones to update my balance to show XXXX since they are reporting this old debt.

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 10-07-2015 about Consumer Loan (Installment loan) with JPMORGAN CHASE & CO. (NY).
Issue: Taking out the loan or lease

Complaint: Current HE Loan with Chase was coming to term. Property address is XXXX XXXX XXXX XXXX NY XXXX. We began the refinance of the loan if mid XXXX. Chase rep is XXXX XXXX XXXX XXXX XXXX. Chase was given all of the documents requested and that was fulfilled by XXXX. During the month of XXXX XXXX called to state there was a " missing payoff from when the original mortgage was with XXXX Bank which was taken over by XXXX BANK. She has contacted them and they found the loan was satisfied and will expedite the information to them. This will take 7-10 business days. '' She informed us that she is remaining in contact with them. On Wednesday, XXXX XXXX XXXX left a voice mail stating " TD has not sent the information they said they would. The existing balance of {$130000.00} is due from us by Wednesday XXXX XXXX and there is nothing they can do. '' When contacted and told we were never asked to obtain that document and in fact we were told we satisfied the request for all materials, she stated it is not Chase 's job to get the loan satisfaction and they were doing us a favor. 
I called TD Bank today and finally spoke to XXXX XXXX is mortgage servicing. He was extremely helpful. He stated there is no request from anyone at Chase and he even had his supervisors look into it. We placed a conference call to XXXX XXXX at XXXX and she did not pick up. XXXX XXXX left a detailed voice mail and told her to contact him asap and she could email her request since one is on file.

Company response to consumer: Closed
Consumer complaint received 12-08-2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Other

Complaint: XXXX, MD XXXX XXXX XXXX, 2016 Manager CBR Department Macy 's Inc. 
XXXX, OH XXXX XXXX : Macys Amex account : XXXX Macy 's Card : XXXX Dear Manager : I have been a loyal shopper and upstanding card holder of Macys and CitiBank for quite a few years now. I have never been delinquent. I prided myself in having a credit score above that XXXX beacon mark due to my XXXX businesses, XXXX of which relies on my credit score to XXXX. I also have several mortgages for rental properties and real property I own outright. A vast port folio you can say. 
That being said, I usually pull my credit reports ( all XXXX ) every 3 months faithfully to stay on top on any issues that may arise. Needless to say I neglected to do so 4 months ago and so when I pulled it 30 days ago, I saw these credit accounts dangerously delinquent and the reason that I was told did n't make since. On around early part of XXXX I called customer service to find out why and spoke to XXXX, I believe, and he stated that the charges were due to residual interest. I had paid both of these account off 6 months ago and they both showed a {$0.00} balance on my XXXX account and Macy 's account. XXXX told me that he could not do anything so i requested a supervisor, manager, director, Vice President or President and told that I was willing to go up the chain of command to get this fixed asap. He stated that he would get a Manager to call me back but will On [ click to select a date ], I contacted Macys Credit and XXXX account via email and phone to request that my order be cancelled and my money refunded. Macys Credit and XXXX account would not agree to refund my money, insisting that the merchandise was on the way. n [ click to select a date ], I again requested that my order be cancelled and my money refunded, but I did not receive a response from the company. I have not yet received my order. 
I have enclosed a copy of the bill with the disputed charge highlighted, and copies of my email correspondence with Macys Credit and XXXX account. Please investigate this dispute and provide me with a written statement of the outcome. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX 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 monetary relief
Consumer complaint received 11-04-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I have a business checking account with Chase Bank. Everyday, there will be revenue coming in and payment going out on the account. And always banks subtract payments and then later credit my fund from revenue from my credit card processing. 
So there is a problem, when my bank balance runs low. The payments that come in first will use up the balance. And every single transaction after that and before the revenue comes in, {$34.00} fee will be charge on each transaction. And I knew my revenue will cover the payments.They are often not big expenses, but few dollars or few cents. For example, my credit card processing company charge processing fee on daily bases. So, a XXXX cents processing fee overdraft will cost me {$34.00} for the bank to pay for me. Even though I know my revenue which will come in short after will have cover all that. 
Last month, the month of XX/XX/XXXX, more than {$500.00} fee was charged on my account. And almost every month there are XXXX-XXXX fee on overdraft fee. 
I called Chase customer service, they say they ca n't refund. I visited the branch located in XXXX XXXX XXXXXXXX. at XXXX California. They said they could not do anything and explained the reason as fees charged for the month and show up and individual charges. 
I tried to opt out the overdraft protection feature. But Chase still charges overdraft fee for all the scheduled payment like the credit card processing fee I mentioned above. So there is no way to avoid this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Credit card account for The XXXX XXXX via XXXX is suddenly listed on my credit report, dating from 2003. I do not currently and have never had a credit card from The XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (Medical debt) with AmeriCollect ().
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AMERICOLLECT INC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was in the process of disputing an incorrect balance, {$400.00} with XXXX due to them misplacing equipment that was turned in after I canceled service with them. In the process I was turned over a collection company, Enhanced Recovery Company ( ERC ) and they placed the account with all XXXX credit bureaus. After tracking down the equipment, my balance was corrected, {$110.00} and paid in full. XXXX was suppose to send me a letter/statement as proof of the balance of my final bill and paid in full status so I can send to the Credit Bureaus and ERC to have this account removed/deleted entirely from my credit report but I have not yet received it. However, the balance has been updated with the XXXX credit bureaus as {$0.00} but it should not even be on any of my XXXX credit reports. If you would so kindly assist in this matter. It is negatively affecting my credit scores greatly. Payment confirmation number is XXXX paid with XXXX Rep. XXXX. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Both reporting agencys report a address for me as XXXX XXXX XXXX XXXX, Pa. XXXX. This is not correct!!! I do not, nor have I ever had or used this address. I do not know if someone has tried to get credit using my information!! This has me very concerned. Thank You for your time!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had a payment due to XXXX XXXX on XXXX. I initiated a payment ( which cleared on XXXX ) however they reported that the card was over the limit, however had the payment not been on hold it would have never been over the limit on the reporting day. I contacted the company and all three bureaus with no assistance.

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 01-06-2016 about Consumer Loan (Vehicle loan) with U.S. BANCORP (CA).
Issue: Managing the loan or lease

Complaint: Late charges imposed unfairly by lender : Late charges of {$29.00} were imposed by US Bank on my car loan in XX/XX/XXXX and XX/XX/XXXX. I mailed the payments to the bank at no different times those two months than in the preceding five months since the loan was initiated, yet in the previous five months the payments were recorded as received no later than the XXXX of each month, but in XX/XX/XXXX and XX/XX/XXXX, they were recorded as being received on XX/XX/XXXX and XX/XX/XXXX. 

When I called the bank 's customer service number, the representative I spoke to said there is " processing time '' involved between when the bank receives payments in the mail and when they get posted to customers ' accounts - usually a few days. I protested that it was unfair to impose late charges on customers if the bank does n't record them as received on the date they actually are. The representative said she was n't authorized to reverse the late charges but would forward my complaint to a supervisor who would be, and that the supervisor would get back to me. However, no one did get back to me and no action was taken to credit my account for the late charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Debt collection (I do not know) with Tebo Financial Services, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Previous Case Number XXXX I was told in the above mentioned case in XX/XX/2016 that this information would be deleted from my credit files and it remains. I have contacted XXXX with the AUD number and they still tell me there was never a request made to delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-05-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have contacted Portfolio Recovery Associates on several occasions requesting that this debt either be validated or removed from all XXXX of my credit reports. Portfolio Recovery Associates has failed to provide me with adequate validation. They have yet to provide me with that they have been assigned to this debt by the original creditor or any original documentation from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan servicing, payments, escrow account

Complaint: My home equity loan is being reported as unpaid, late, and and still open. This account was forgiven by Bank of America due to the lawsuit from the Department of Justice. The account is damaging my credit score drastically and I have sent letters to Bank of America twice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Consumer Loan (Installment loan) with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Managing the loan or lease

Complaint: I had a personal loan with HFC beneficial. This loan had an extremely high interest rate. In XX/XX/XXXX I was XXXX. Due to medical bills an inability to work I fell behind in payments. I tried to negotiate a lower payment and make arrangements to pay with the creditor and they refused to help me. Prior to this time payments were made in a timely fashion even when they closed the brach that I usually made payments at. They continued to add fee after fee and added XXXX more years to this loan. This was a predatory loan. They used to charge {$12.00} just to make a payment online. Now my credit report is ruined because of the unfair billing practices of this company. Eventually I think this loan was transferred to XXXX XXXX. This loan was paid in full in XX/XX/XXXX. 2 years after it was originally supposed to be paid off. No explanation was ever given to the additional charges and I believe I was forced to pay fees that were undue. This company preyed on people who were desperate and then overcharged them.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Experian, XXXX and XXXX will post a a collection Agency 's 'collection ' on a consumers credit report without validating whether or not the Debt is valid. an assumption is made the Consumer is guilty and getting invalid debt collections off a report takes repeated efforts. Also, All XXXX credit reporting agencies, will allow a collection record that has been sold to another debt collection company to remain on the record even after dispute they generally will not remove the old record so the report contains XXXX records of the same debt allowing the scoring to be even more impacted. Our legal system maintains innocence until proven guilty given the priority given to credit scores and reports the above need to be fixed. Collection agencies have their place, however due diligence should be completed prior to any account showing up on a credit report. XXXX items just showed up on my credit report From XXXX XXXX and associates with XXXX different amounts that do not even look familiar to me. 
Legislation should be changed to give the presumed debtor the 30 day window to either validate or pay the debt prior to it hitting someones report. Assumptions are being made that the consumer was given that opportunity to question the debt and in many cases this is not correct. XXXX XXXX is notorious for placing things into collections 10 days after the XXXX was due and the entry is immediately placed on the the report has been hit and and mail arrives from the collection agency after the bill was paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Debt collection (Medical debt) with American Credit Bureau, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: The doctors office charged me for procedures that were paid for that were done by specialists. XXXX paid them and another office for same procedure. also took my co pay in cash stated they would email receipt. I contacted XXXX legal department on this office and also XXXX XXXX. I also contacted there billing office for XXXX XXXX XXXX. They continue to be rude and ruin my credit. I stopped goinmg to them after wrong medication and billing issues. This has been the 6 collection company that wont stop calling and threatens me. XXXX legal dept is working on this care. Iam XXXX with XXXX XXXX and other XXXX and am ununable to get financing for procedures that will save my quality of life cause of this collection opn my credit bureau and the time it has taken for XXXX to fix it.

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 02-03-2018 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX has continued to report an outstanding debt on my credit report. For over seven years I have asked for verification of this debt and account and have not received such proof. Further, they harassed me and threatened me, phoning at home and at my work for years. This inaccurate debt account continues to be reported on my credit report. 

It appears XXXX XXXX is now RESURGENT CAPITAL SERVICES. 

C/O RESURGENT CAPITAL SERVICES, XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NC).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: This loan was provided by college, as XXXX XXXX, then it ended up being Navient Loan. For the last two years I have set up several times payments that I ca n't really pay but struggle to make payments. Each time we pay for a period they call and want to increase the payment. I ca n't pay what I 'm paying and I explain how do they expect me to increase the payments. I have several other loans to pay and is having a hard time paying my rent, my car note and other bills. The more I pay on this loan the more it grows. I need help. They call constantly from XXXX XXXX to XXXX XXXX. Saturday through Sunday. The last call I got was on Wednesday, XX/XX/XXXX. It 's to the point that I 'm afraid to answer the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX I call Wells Fargo about something on my online account. After talking about it, I said I take care of it and would follow up tomorrow XX/XX/XXXX.
OnXX/XX/XXXX. I returned the call to Wells Fargo to let them know I did correct he problem. Well they said they had to ask me questions to verify and release the block on my account. So they asked me questions about myself and said it was not a match. So now they had to ask me more questions. I remembering this happening several times before. 
They have my money and are asking me questions about my life and determining ifs its a match or not. 
How dare they play these games with my money. They do n't know me. 
They claim there questions about me is based on public data. Public data. When I responded to there public data questions, they have the nerve to say no match. Are you kidding me What kind of game are they playing with my money. They can not have the right to withhold my money based on public data information. They at no time ask me whether the public data information they have on me is true and they use this information to determine if they are going to remove a block on my money. This has to be wrong and illegal. They at no time told me they have thoroughly researched this public data information, cross referenced checked it with me and others and know for a fact this public data info is true or false and then they ask me these questions and tie my access to my money based on these questions. That 's wrong and bad business

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