milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a hard inquiry on my XXXX Credit Report on XXXX XXXX, 2017. This inquiry was not authorized by me. I contacted Syncb/jcp by mail and they did not send me a letter with proof that I authorized this Inquiry. I never received proof of a denial letter stating why I was not approved.

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 02/27/2017 about Bank account or service (Savings account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Citibank had a promotion requesting folks open a savings account and deposit money, maintain it for three months, after which customers would receive an account bonus. Through their promo page, I enrolled, opened the account, and maintained the required balance. Citibank has not deposited the bonus as promised. Their customer support appears to be totally in the dark and clueless about this.

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 11/27/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: All XXXX credit bureaus list XXXX state tax liens as active ; however these liens were both released by the state and I have a copy of the release documents from the state.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Other

Complaint: Account information was due to be removed from public record XXXX 2016 and is still on record.

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 09/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: The loan servicer makes it hard to pay back loans and it feels like they charge you more money than you actually owe.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (NH).
Issue: Unauthorized transactions/trans. issues

Complaint: I have a RUSHCARD through XXXX. I dont have acess to my paycheck. My paycheck waa supposed to go on the card. I can not even get throught to RUSHCARD to have them reverse my money back to my employer to get a papercheck. I just got married and because my paycheck didnt get added to my card oN RUSHCARD end. I lost a weeks pay plus couldnt have a honey moon! Im not happy. I need that momey to live. Just like everyone else who they did this too. I 'm hoping you can help me. I need my paycheck.i 'm canceling this card once I can get through to a person. Can get through to either it rings and hangs up. Or just hangs up. Ive been without pay simce XXXX XXXX. Please help me get justoce against this RUSHCARD!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2016 about Credit reporting () with EQUIFAX, INC. (MT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On XXXX, I obtained a copy of my credit report. Within that report was a Medical collection, Account Number XXXX, Date Opened : XXXX ; Balance Date : XXXX ; Balance Amount : {$360.00} ; Date of Status : XXXX ; and, Status : Closed. On XXXX, I wrote to Equifax indicating inaccurate reporting and to validate said alleged collection. On XXXX, Equifax responded with an entirely different account number ( XXXX ) ; Amount - {$410.00} and Balance as of XXXX - {$0.00} ). This is in violation of Federal Law due to inaccurate reporting. On XXXX, I again wrote to Equifax asking for validation of said alleged debt. Equifax again responded on XXXX, with the same letter that they sent to me on XXXX. On XXXX, I again pulled my credit report to find that Equifax is reporting the new information that they provided to me on XXXX and XXXX. In addition, my credit report has never been marked that this account is disputed. These are clear violations of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ACE CASH EXPRESS, INC. (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I keep getting phone calls about debt that has been settled and or out of date, or that I was not even aware of having. These same people are calling my elderly mother and father inlaw too. 
I have checked my credit report and none of the businesses are on it. They are trying to get me to settle out of court. 
He says he is with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I can not find a business at this address.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On XX/XX/XXXX I wrote a check to be given to my landlord by my roommate, It was dated the XX/XX/XXXX. on the XX/XX/XXXX I awoke to find that my account was overdrafted because the check was able to be cashed on XX/XX/XXXX, even though that date was not valid to cash the check. I was told by the the receiving bank that they had no problem taking the check which was not yet valid ( to my knowledge ). The drafting bank did refund the overdraft fee, but I feel as if this is insufficient protection to the consumer. I am a resident of FL. This practice is damaging not only to the consumer but to the reputation of banks and banking practices. If any other type of payment system/contract was handled in such a way, ACH for example, lawsuits would quickly follow and judgement awarded. I do not feel that my signature alone on a promissory note is sufficient and should only be honored on the date the check was intended to be deposited and not just accepted and executed because it is signed. To me that is as unscrupulous as changing the amount of on the check itself. It is a whole document, banks should not be able to pick and choose what parts of a check are important and which are not. My signature states that the check is good on the date promised, not before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: navient been with them since XX/XX/2011 being over charged & intrest put on my loans over charging

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: ON XXXX XXXX, XXXX I SENT A LETTER TO THIS COMPANY INFORMING THEM TO VERIFY THE DEBT AND INFORMED THEM TO CEASE & DESIST. THIS FOLLOWED THE CEASE & DESIST UNTIL XXXX XXXX, XXXX WHEN I STARTED RECEIVING PHONE CALLS AGAIN. DURING THE TIME IN WHICH THEY DID NOT CONTACT XXXX WAS IN CONTACT WITH ME & I DISPUTED THE BILLS DIRECTLY WITH XXXX. WHO IGNORED MY DISPUTE. I FEEL TAT ENCHANCED RECOVERY COMPANY, LLC VIOLATED MY RIGHT 'S BY STARTING THE PHONE CALLS TO ME AGAIN. ALSO IN THAT LETTER I INFORMED THEM I DID NOT WANT TO DEAL WITH A COLLECTION AGENCY THAT I WOULD DEAL WITH THE CREDITOR DIRECTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-03-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 'm filing this complaint because equifax has ignored my request to provide me with the documents that there company has on file that was used to verify the accounts I disputed. Be that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( a ) of the FCRA- they are required to '' ... promptly delete all information that can not be verified, '' that I have disputed. Please resolve this manner as soon as possible. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Prepaid card (ID prepaid card) with AMERICAN EXPRESS COMPANY (WI).
Issue: Managing, opening, or closing account

Complaint: I purchased an American Express Serve prepaid card from XXXX. The temporary card was activated successfully in-store and I loaded money into the card. This temporary card is supposed to be registered on the AMEX website to get a permanent card. However, I tried many times and everytime after I fill in all my information and card information the system says " Sorry we are unable to approve an account to you ''. The customer services are totally useless. They do nothing but keep saying that they do n't know but the " possible '' reason is that the system can not verify my identity. But I 'm 100 % sure that my information submitted is correct. They said nothing they can do, which is absurd. They also do n't offer the option that I send them my documents/IDs to manually verify. So basically I am not allowed to use their product.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (FL).
Issue: Problems when you are unable to pay

Complaint: I am late on my car payment and Regional Acceptance Corp has been calling at least XXXX of my friends yesterday. This is illegal in Florida to my knowledge and I would like to file an official complaint.

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 06/29/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax through a previous CFPB Complaint No : XXXX. Equifax was to remove and delete an illegal fraudulent account by XXXX XXXX XXXX. Upon completion of the Equifax , CFPB investigation, Equifax deleted the fraudulent account, but later restored the illegal account once the above CFPB account terminated. Equifax has 24 hours to delete permanently any XXXX account as informed in the previous CFPB Case. Now, this new Complaint is on another fraudulent account by XXXX XXXX XXXX XXXX which derived from the previous XXXX Loan account removed temporarily. See attached

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Debt collection (Other debt) with Receivables Performance Management, LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was under contract with XXXX XXXX from XXXX to XXXX I completed my obligation and sent the final bill on XXXX/XXXX/XXXX for the amount of {$100.00}. I included the final payment and the phone in the same envelope and sent the payment and the phone as directed by XXXX representative " XXXX " on XXXX/XXXX/XXXX The package was opened and the check was cashed by XXXX on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I rec a request for payment from XXXX for the amount of {$220.00} for the Phone I contacted XXXX and Informed Their customer service of the actions taken to return the phone and to make the last payment as required. XXXX stated they did not received the phone. I informed them of the procedures I took to complete my obligation of the contract.. It would make it very difficult to cash the check without taking the phone, Bill and Check out of the same envelope I received several correspondence from XXXX over the next several months providing them the same information. All correspondence with XXXX received after the contract was " this issue has been resolved ''. This was not true. I received several letters from XXXX XXXX XXXX { Collection agency ) company and informed them of the situation. No resolution from the collection agency. This agency stated it has to be resolved with XXXX and wanted a partial payment to resolve this. I refused to make any payment for Items that have been returned. Thank you 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 07-01-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree Servicing LLC has been charge me for PMI insurance months after months, although my principal balance felt below 80 % of the original loan. Not 20 %, My principal balance felt 80 %, Green Tree Still Charge me for PMI. I made many requests to Green Tree to drop my PMI. Green Tree Refused to accept my appraisal. Green Tree told me it needs my authorization for an appraisal, I told Green Tree, it does n't need my authorization, if am paying for the appraisal fee, I should choose my own appraiser. I asked Green Tree Why I can not choose my own appraiser? I did not get a response back. And it still charge me PMI fee every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: ON XX/XX/XXXX I DEPOSITED ACHASHIER CHECK IN TO MY CHASE BANK ACCOUNT IN THE AMOUNT OF XXXX. VIA ATM, ON DRAWEE XXXX XXXX CHASE RECHIEVE CASH FROM XXXX XXXX   FOR THE MONEY ORDER AND PLACE FUND IN MY CHECKING ON XX/XX/XXXX FUND WHERE AVAILABLE, ON XX/XX/XXXX FUND WERE SUSPENDED FOR REASON THAT ARE UNCLEAR TO ME, I LATER RECEIVE A LETTER. 
SAING MY ACCOUNT WILL BE CLOSE AND ANY FUND WILL BE MAIL TO ME. FOR MORE THEN A YEAR THEY HAVE BEEN TELLING ME THE CHECK HAS BEEN MAIL TO ME.IN XX/XX/XXXX I RECEIVE A LETTER FROM CHASE BANK STATING THE MONEY WASW SENT BACK TO XXXX XXXX PER THIER REQUEST, WHITOUT EXPLANATION.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (MD).
Issue: Application, originator, mortgage broker

Complaint: I applied for a refinance and it was consistently mishandled by the loan processor XXXX XXXX. When i applied for the loan with the loan officer XXXX XXXX he called customer service to stop my automatic payments that were being directly debited from my checking account. He gave me a closing date in XXXX. I was told that i would not make a mortgage payment for XXXX or XXXX and in XXXX my auto drafts would be turned back on by customer service. I was not notified of a closing date change. I was concerned because I did n't receive any closing information. On XXXX XXXX i emailed XXXX XXXX to ask what the status was she told me my new processor was XXXX XXXX. She forwarded my email to her. A week later she emailed me after my propose closing date and told me to make payments until i get closing documents in the mail. XXXX XXXX I contacted her asked for the status she told me my closing date was XXXX XXXX and not to pay XXXX mortgage it was already factored into the loan. She never contacted me to give me my new closing date. I informed her i already paid that month she advised my choices were to have my bank return the payment or they could return it after closing. I had the bank pull the payment back. I went To closing on the XXXX as planned. On XXXX XXXX they called and told me the loan was disapproved because i had a 30 day late on my account because my payment was returned. I would not have pulled they payment back if she did n't give me the option. I should n't have been given a 30 day late i closed before the payment was 30 days past due. She also told me the XXXX mortgage payment was already factored into the loan for the refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion, XXXX, and XXXX, are not following the Law, and are allowing XXXX ( because they pay these credit bureaus money as a member } to report improper information on my credit file. 
Each of the Credit Bureaus have received the verification information, and ARE NOT removing the bad information from my file.

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 02-08-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Could someone with knowledge of Case # XXXX please update me on the status of this case. Called XXXX with this case number and your representative told me there is no case with this number and he can only check cases in his department. HOW DO I GET A UPDATE ON THIS CASE OR DID WELLS FARGO CLOSE THE CASE FOR AN APPARENT REASON. Also want to know why the XXXX that was sent to my address in error and than sent to my sisters address in error. Wells Fargo is telling me that my address was the address that the person who's name is on the XXXX gave them.  This person never gave Wells Fargo my address to send the XXXX to. If Wells Fargo would  research  this issue Wells Fargo could provide me with an explanation as to why this error occurred instead of blaming it on the person who's name is on the XXXX..  Also please inform me how long my checking accounts with Wells Fargo have been opened and the status of these accounts such as over drafts or any other problems.  I also want Wells Fargo to  be aware I have recently closed a CD at Wells Fargo due to the fact you failed to research this problem and treat your customers with respect. AGAIN THE PERSON WHO'S NAME IS ON THE XXXX DID NOT GIVE WELLS FARGO MY ADDRESS AND HE  HAD NO REASON TO SEND THE XXXX TO MY ADDRESS.  One recent example from one you your representative when I called on a case was " IF YOU DO NOT FAX WELLS FARGO THE INFORMATION I WILL CLOSE THE CASE. YOU ARE THE ONE DEMANDING THE INFORMATION.  Nice way to treat a customer of of over 40 years.  Thanks for you help.

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 03/26/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been on a debt mgt program since XX/XX/2016 yet some of the credit card companies have been reporting me late. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and 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 11/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX LL Bean refunded XXXX to a Barclay 's XXXX Credit Card. This card was closed due to very poor customer service in XX/XX/XXXX. I have been trying since XX/XX/XXXX to get this refund and have been told I will get a check. Recently, XX/XX/XXXX, I followed up with Barclays and was told I would get a check and given case number XXXX. On XX/XX/XXXX, I called again and was told there is no such refund and the agent made a mistake and the cased number is invalid. 
I escalated this to a manager without resolve

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 12/30/2015 about Debt collection (I do not know) with Mandarich Law Group, LLP (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I am just at my wits end. I am being threatened with a suit by some huge Law Firm called Mandarich Law Group , LLP for a debt I have no knowledge of. I am a victim of Identity theft and I have lived at my current resident for several years and I have never received a notice from this law firm until now. 

In addition, they ( Mandarich Law Group ) claim they are collecting for their client who is XXXX XXXX XXXX whom I have never been contacted by, however they are a collection agency. The collection agency according to my credits says they are collecting for XXXX? 

Is this legal can I in fact be sued for something I know nothing about? I was never contacted by XXXX who is suppose to be the original creditor, nor have I been contacted by XXXX , XXXX who is suppose to be the collection agency collecting on behalf of the original creditor. 
I was only contacted by the law firm with a DEMAND letter dated XXXX XXXX, 2015 that I received on XXXX XXXX which they said in the letter I have 10 days to respond when I received the letter 10 days from the date of the letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit card () with U.S. BANCORP (DC).
Issue: Billing disputes

Complaint: Us Bank closed my credit card in retaliaition for reporting them to your agency. They have also denied my request for past statements, lied about the true balanced owed, lied about payments received, and lied about not receiiving documentation related to several disputes. 
I want the following charges outlined in the attachment removed from my account. I am also notifying experian of the retaliatory actions taken against me and a long trail of false statements provided to me by us bank as related to payments received, documents, and emails.

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 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Trans-union had a glitch in their system and they did not notify me any form of contact. The credit inquires needs to be removed from my report. Also, i see several inquires on my report for a car loan. I already had a car and never applied for any car loan last year. It shows I have XXXX inquires from a car application. Please advise.
Thanks

Company response to consumer: Closed with explanation