milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-02-2015 about Bank account or service (Checking account) with U.S. BANCORP (MO).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX XXXX, 2015, I attempted to deposit {$800.00} cash in the ATM at the US Bank location at XXXX XXXX XXXX in XXXX XXXX, MO. The ATM was unable to complete the transaction and issued a receipt with a toll free number to call. I received an e-mail on XXXX XXXX at XXXX XXXX stating the deposit transaction completed. The money was still not showing in my account. I called the toll free number, as advised by the branch manager, and started a Reg-E claim. At this time I was told that it would be XXXX business days before my {$800.00} deposit was reflected in my account. My fianc called and tried to speak with the manager because this incident occurred at another US Bank in XXXX and the branch manager was able to issue an instant provisional credit. I still do not have the money in my account, even though I provided the e-mail showing the transaction was completed. I have been advised that they would reverse any NSF fees, but I fee they should also compensate for the inconvenience and interest, as US Bank would charge. This has been a horrible disservice to me and my family as our rent check will be returned and while the account is overdrawn, I have {$50.00} cash to fee my family of XXXX. We should not be inconvenienced due to US Banks faulty equipment. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Account has been removed from my credit report for some odd reason. Account is open and I made a payment XX/XX/XXXX. Account has been reported as derogatory for XX/XX/XXXX. Account also is not reporting the proper balance and available credit. This is damaging to my credit score for all 3 credit bureaus.

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 05/24/2015 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Credit card protection / Debt protection

Complaint: This complaint is regarding Synchrony bank. I have several different accounts with Synchrony bank that was transfer from GE. However, when I obtained the accounts in the store, I was told I could get XXXX insurance. When I got the cards, I notice no XXXX insurance paperwork. I contacted the credit cards company and was told they do not offer XXXX insurance. So I was upset but felt there was nothing I could do. However, I recently got an Amazon card by the same bank, and I was offered XXXX insurance. I then search to see if Synchrony bank provided for other cards and came across the lawsuit against GE/Synchrony bank. Based on what I read, I saw they need to offer XXXX insurance. Back on XXXX/XXXX/14, I went out on workmen 's compensation for almost seven months. I was still forced to pay all my credit cards and when I went back to work, was late and received fees. Because my first XXXX paychecks I did not get paid because I was caught up on all my insurance. I had called Synchrony bank and was informed they could not help me and to pay the bill. Also told me well you have no interest to worry about. But if I ca n't pay the bill then I get hit with a late fee. My credit cards are XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX and recently added XXXX. I hope that CFPB can help me with this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a XXXX for the year 2015. The balance on my credit report should be {$0.00}. The debt cancelled on the XXXX shows {$10000.00} on my credit report it 's almost {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XXXX/XXXX/15 I mailed a dispute letter and an investigation request for XXXX items on my credit report with Experian by certified mail, which they received by certified mail on XXXX/XXXX/15. Experian sent me back a form letter which seemed to me to be both threatening and insulting and a blatant attempt to avoid investigating the items in a timely manner. I believe the attached documents reflect that the dispute item was sent to them correctly and in the form they require. I did not respond to the form letter, as my accountant advised me this would delay the investigation, which is what they wanted. I have since received responses from the other XXXX bureaus, but none from Experian, which indicates they decided not to investigate my complaint. I believe this a blatant violation of the Fair Credit Reporting Act and was an effort to intimidate and coerce me into not pursuing the correction of faulty information on my credit report. I wish to file a complaint against them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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 disputes on XXXX and XXXX of XXXX and have not received anything but the standard its been verified letter from only one of the bureaus. Not once did any of the credit bureaus send me verifiable documents showing that these accounts should be on my report. These accounts I have disputed should not be on my report and I want them removed immediately if they can not furnish me with the documents I have requested. As a consumer it is my right under the Fair Credit Act to request 100 % viable proof that those accounts disputed belong to me. If this is not done, the credit reporting agency MUST DELETE THE ACCOUNTS. I am asking that the accounts listed in my disputes to XXXX XXXX - XXXX and Experian be deleted immediately as they have taken well over the time frame and have not provided me with any kind of proof whatsoever.

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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
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: There is a collection account on my credit file for {$380.00} from a professional credit management. I have disputed this item several times because I have no knowledge of this account. I requested validation of this debt and never received 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 explanation
Consumer complaint received 01/22/2017 about Bank account or service (Other bank product/service) with REGIONS FINANCIAL CORPORATION (LA).
Issue: Account opening, closing, or management

Complaint: i had a {$500.00} revolving line of credit with Regions bank. I paid it satisfactorily and decided to close it. i opened the line of credit XXXX and closed it XXXX the account number reporting on XXXX , XXXX , and XXXX XXXX XXXX XXXX. they call me still 3 to 4 times a day to try and collect on the balance that has been closed for the last 4 years. i have proof that it is paid in full and closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Sierra Holdings LLC (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently purchased a car through a dealership, XXXX XXXX. A few days after purchasing the vehicle the company who financed the vehicle, XXXX XXXX XXXX, called asking about the deal, where I was informed that the down payment XXXX XXXX asked for was double what I was suppose to pay. After clearing up that issue the week continued. After a week of documentations not being handled, returning the car for break issues, coming to the location about 4 times, and calls not being returned, the dealership gave me a call and asked me to come into the location to sign a missing document. When I arrived at the location I was informed that the finance company backed out the deal because of the down payment issue. I was told by the " finance manager '' that it was my fault the company back out because of the down payment issue. After reminding the man that he was the one who told me and my boyfriend, upon signing the contracts, to bring in the additional {$500.00} two weeks later, I asked to speak to a manager in a position over him. He informed me that they ran my credit again without my authorization and I had no choice, but to either pay the new doubled down payment and higher note through another company or give them the car in a few hours. I left the dealership and called the finance company who informed me the truth. The company had backed out the deal because the company sent over a warranty with someone else 's signature not mine. I also declined the warranty upon finalizing contracts when they asked if I wanted the warranty, they still proceeded to add the warranty after I left the dealership, without my knowledge. The finance company did send the warranty part of the contract, with my disclosed information on it. Also, after deciding to go look at other dealerships. I was informed by a few dealerships that XXXX XXXX " shot gun '' my credit everywhere, adding numerous inquiries to my credit. Two dealerships would n't offer to run my credit because of the numerous inquiries. The salesman from XXXX XXXX, then called me and told me to bring in the car his manager is leaving and that " they are doing me a favor. '' The manager would not even speak to me personally when coming in to get a refund. They made me speak to a salesman who never played a part in any of the issues & contracts, who basically tried to make me settle on two more contracts. I denied both contracts and opted to deal with another company.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (NC).
Issue: Closing/Cancelling account

Complaint: I had a checking account and credit card with HSBC USA. In early XX/XX/2015, I called HSBC USA to cancel all my accounts with them. They closed only the Checking account, and left the credit card opened. As a consequence, a remaining balance of a few dozen dollars was on my card a few months before I realize it. I had automated payment from checking to card, but after they closed my checking, no payment arrived on the card account. 
HSBC USA never contacted me about the card account. I contacted them many times, but since I closed my bank account with them, they did n't want to help me and correct there mistakes. 
As a consequence, I have a delinquency posted on my report that cost me a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NY).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I opened a XXXX 's credit card account on XX/XX/XXXX for the purchase of a mattress. 
On XX/XX/XXXX, I had not yet received a statement or physical credit card in the mail. XXXX 's does not allow online management of your credit account without inputting the credit card number online. Without the card, I was unable to do this. 
On XX/XX/XXXX I called XXXX 's and made a {$250.00} payment and informed them that I had not yet received the card. I was told that day that a new card would be issued. 
On XX/XX/XXXX I received a letter reflecting that they company had wrongly applied the recent payment to the wrong account. That letter references an account number ending in XXXX. 
The following day I received a statement in the mail from XXXX 's that shows an account number ending in XXXX, and that does not reflect the payment. 
On XX/XX/XXXX I called XXXX XXXX credit services. I was told that they have record of the {$250.00} payment and that no payment is due at this time. I re-stated the fact that I am unable to manage my account online because I still have not received the physical credit card in the mail. I was told that the credit cards are delayed because of bad weather in XXXX. 
My problems to be resolved are as follows : 1 ) The account has been open for nearly 2 full months and I have yet to receive the credit card.

2 ) I do not know what my appropriate account number is.

3 ) I am unable to manage the account online and ensure that payments are being applied appropriately, as the online account requires the input of the credit card information, which I have not received.

4 ) I do not have any written evidence provided from XXXX 's reflecting the {$250.00} payment that was made on 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 09/25/2015 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credit Control. LLC at XXXX calls constantly to collect a debt from someone Ido not know.

Company response to consumer: Closed
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Debt Recovery Solutions, LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I contacted Debt recovery solutions about a medical debt that was put on my credit report several years ago. I wrote them a letter explaining that this was not my debt and it was identity fraud, i asked for proof this was my debt ( i had XXXX at the time which would have paid for any dr visits or hospital visits ) i sent a police report to this agency as well, and the debt was still not removed. They never showed me any proof this was my debt because its not. 

I filed a complaint with XXXX and the debt was removed, the company has added this debt back several time under different collection names but when contacted it is the same agency. XXXX is allowing this company to destroy my credit report after they have removed the collection several times.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: I have had LARGE FEES and DOUBLE CHARGES on my accounts for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Amsher Collection Services, Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I   check my credit report once a month to make sure that all of my accounts are being reported correctly. In  XXXX , I noticed a random collection company by the name of Amsher Collection services reported a collection on my reports with an acct # of  XXXX . It states that I owe   XXXX  . I do not have  XXXX  nor have I had their services in over 7yrs. I then started to get phone calls from this company. I spoke with them and informed them that I did not open a   XXXX   account and I do not owe them. I told them the account is fraudulent and not mines. The rep also quoted me some fraudulent address that is not mine. I have never received any letters from  XXXX  or Amsher Collection.
I have contacted all   XXXX   credit bureas regarding this fraudulent account. Since,   XXXX   and   XXXX    have completed their investigation and removed this account.
  XXXX    however has not removed this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have a creditor who pulled my credit report without my permission. TransUnion wants me to approach the creditor and get permission to remove the hard inquiry. TransUnion is also asking for a personal statement to remove the hard inquiry ( I am OK with this request ). There is no process to remove fraudulent hard inquiry on credit report on their website or by phone call. Spoke with customer service and supervisor at TransUnion. TransUnion will not provide evidence that the creditor pulled my credit report legitimately or had permission. This is double standard. TransUnion is asking me to do the legwork of contacting creditor and getting a letter but they will not do the investigation themselves nor provide evidence that the creditor pulled my credit report legitimately. This inquiry only shows with TransUnion. No other credit bureau shows this information. I need help with removing the hard inquiry on my credit report with TransUnion. I do not feel that I should have to contact creditor, get a letter, do the investigation and waste my time when the issue was created by the creditor/TransUnion. Thanking 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 04/24/2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed items that do not belong to me because I am a victim of ID theft and the credit reporting agencies still have items showing on my credit report as negative.This is effecting me with me getting life insurance and employment. I have also contacted each creditor and I sent supporting documents as proof that my personal information was used in a tax fraud scam.

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 09-06-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (PA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Re : XXXX XXXX store credit card account through Comenity Bank, interest-free promotional plans. 

On every Comenity Bank XXXX XXXX monthly statement are these instructions : " You must pay your promotional balance of $ XX in full by DD/MM/YYYY to avoid paying interest. '' If you follow those instructions provided by Comenity Bank XXXX XXXX on your monthly statement " to avoid paying interest '' and you have more than one promotional balance, you will definitely NOT pay off your balances in time to avoid paying interest. Those instructions are totally false and misleading. 

When you send in a payment on your Comenity Bank XXXX XXXX account, even if it is above or in addition to the minimum monthly payment due, they split every payment among any other promotional balances you have. 

For example, if my Comenity Bank XXXX XXXX statement says I have a promotional balance due today of {$100.00} and I send them {$100.00} today, I will NOT avoid paying interest on that promotional balance if I also have another promotional balance ; they will split that {$100.00} among any other promotional balances I have. 

If I want to pay off the {$100.00} on that promotional balance due today " to avoid paying interest, '' I must actually send Comenity Bank more than that. Comenity Bank does NOT explain this anywhere on the monthly statement. I would have NO way of knowing how much money I actually need to send today to pay off that {$100.00} balance. 

There is nothing on the monthly statement explaining this allocation of payments in general. Furthermore, if customers who have more than one promotional balance follow the instructions that are provided by Comenity Bank on their monthly statements, none of them will ever receive the promotional " offer. '' Comenity Bank is offering interest-free financing and appears to be providing misleading instructions which can actually ensure that customers will not benefit from it. Appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Since   XXXX   XXXX     I have been trying to get validation of debt from  XXXX  antander Consumer Usa through all  credit bureaus so far no luck. This major error is affecting me on making a major purchase for house on  XX/XX/2017      XXXX   mail me a completed investigation removing t his Auto Debt but t he account was not removed from   XXXX   and  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Credit reporting () with Experian Information Solutions Inc. (DC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX has placed a collection on my credit file dated XXXX XXXX, how can you place a collection on my credit file for XXXX XXXX and I paid this account with XXXX on XXXX XXXX so please inliting me how can you pay a bill in XXXX XXXX and now you put a collection on my credit file in XXXX XXXX saying a collection XXXX XXXX so how can a collection be placed on my credit file for XXXX XXXX and this account was paid back in 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