milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-09-2017 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: i received rejection notice on credit card request with bank i just opened checking and savings accounts with. 
the information they provided leaves some questions as to what is going on with my credit report. 

the report was done by transunion. 
my credit score has dropped almost 50 points. 
I call the number that the bank gave me for transunion. 
as usual, from previous calls to them, you can not reach anyone to discuss you credit info with. 
I was one of the people whose credit files were breech with XXXX. I need to find out if someone is trying to use my social security number to open credit accounts or other things as indicated by the info bank provided. 

I can not reach anyone at any of the credit bureaus. 
Also, all they are trying to do is sell credit protection policies. 
I was asked if i wanted to enroll in a credit protection policy at least twice during the call. 

I need help in regards to stopping fraud and stealing of my credit info, but as i said, you can not reach anyone live at any of these credit reporting agencies. 
I have tried four to five times already

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 03-10-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: When credit bureau experian and XXXX are pulled by lenders XXXX is my credit score. I have more than 10 year 's of established credit. Also, for some time now XXXX states that credit files split into XXXX with that beingvsaid I have missing positive information on only my XXXX. I spoke to the office of consumer affairs and they advised me the credit splitting and not reporting years of established credit is an error with their database. Why should their error be at my expense?

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 Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I had a XXXX XXXX XXXX XXXX from Capital One, which was opened in XX/XX/XXXX. Capital One closed my account after having one delinquent payment in late summer of XX/XX/XXXX, which was paid only a few days late. The Bank did not close the account until approximately two months later and did not provide me with a written correspondence either USPS nor email. I learned of the closure by attempting to use my account. Before the closure of the account, I had responded to a GM/Capital One email advertisement that I did not want to receive promotional advertisements from XXXX XXXX XXXX in XXXX, LA because the dealer had been caught rolling back the odometers on used vehicles and I would never purchase anything from that dealership. I telephoned customer service inquiring the problems making a purchase and that was when I was notified the account had been closed. According to the XXXX XXXX XXXX allowed 5 % of all purchases to be credited to a rewards account in dollars to be used towards the purchase of a XXXX vehicle or service. Upon closure of the account, the consumer has up to 90 days to use the accumulated rewards at a XXXX vendor ; otherwise, the reward amount collected is forfeited. Keep in mind that the account was closed in good condition and current status. During the customer service phone call, I complained that since Capital One had closed the account without any formal notification and without cause since it was in current status along with my other three Capital Once accounts, Capital One was basically attempting to force me in to the purchase a new GM vehicle or lose the accumulated reward dollars that was just over {$290.00} & change. I demanded to speak with Executive Level Management because I was not in any financial position to purchase a new GM vehicle and since Capital One closed my account without proper legal notification, I demanded that the accumulated reward dollars be sent to me in the form of a check or credited to the balance of the account. My name and number was taken by the representative and informed me that I would be receiving a telephone call from an Executive Member within 48 hours ; however, that call never came and I have since stopped paying on the account because Capital One had committed consumer fraud and theft of a the accumulated reward dollars, as far as I was concerned. Since then, my financial status has fallen on extremely hard times and I am in the process of filing for bankruptcy still with an unsettled claim for XXXX XXXX XXXX Rewards paid to me. As far as I am concerned, Capital One has intentionally stolen my Rewards of just over {$290.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Checking or savings account (Checking account) with U.S. BANCORP (OH).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On or around XXXX XXXX, 2017 I opened a checking account with US BANK in XXXX, Ohio. 
I made a few small deposits into the account totaling around {$730.00}. 

I made a transfer of funds to another bank and was billed by mistake from XXXX. 

I then noticed US BANK reordered cleared transactions aka stacking to intentionally overdraft the account multiple times for the same charges. 

After much debate I cleared the charges with the account manager who made it seem like she was doing me a real favor eliminating {$72.00} in overdraft fees which I should not have received. 

A few days later XXXX XXXX mistakenly charged me twice for the same meal. 

As a result the Algorithm reorganized and reprocessed nearly 8 charges with 8 over draft fees of {$32.00} each for a total of {$250.00} SO FAR. 

I was made aware by a teller that I would be charged an ADDITIONAL {$25.00} fee for each overdraft fee or {$200.00} bringing the total to {$450.00}. 

The charges that were reorganized were processed from largest to smallest to create the greatest over draft fees. 

So a {$8.00} trip to XXXX XXXX now costs {$65.00}. 

This is my second attempt at using US BANK. Years ago they used a similar tactic to over draft my account, then sold my identity to an identity thief posing as a debt collector AND ANOTHER identity thief posing as a XXXX employee. 

This is a very sad and pathetic attempt from a business to make money. 

I would happily use this service if it were honest, however it is clear this is a complete money grab scam. 

I used the funds in the account to open a secured credit card with US BANK, which I will now be canceling. 

I plan to write US BANK executives, Attorney General, FBI, SEC and other regulating authorities. 

AGAIN THIS IS JUST PATHETIC!!!!!

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 08/17/2017 about Checking or savings account (Savings account) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: This is a follow-up to complaint XXXX, regarding account fees charged without notice to an account that had become dormant. In their response to my original complaint, FNB changed their story and admitted that they had not sent statements following the dormancy of my account. They admit ( though they denied it on at least two prior occasions ) that their policy is not to send statements for dormant accounts. Thus they can begin charging fees with no notice to the depositor. This can not be acceptable to CFPB, can it?

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing/Cancelling account

Complaint: I received this creditcard ending in XXXX at my request.. But I never activated it to be used. Icontacted them several times to CLOSE the account, but I 'm still receivingpromotions and statements

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, 2015 Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX, XXXX Acct # - XXXX To whom it may concern : In accordance with Federal Civil Rights Law, as stipulated by the Fair Credit Billing Act, you are obligated to comply with this lawful request for elaborated documentation for billing including charges and interest, as well as a FULL ACCOUNTING of where each bill was mailed, for the life of the account, or rescind these reports from every consumer reporting agency to which you have reported the same. 

Your expeditious and prompt handling of this matter is expected. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Bank account or service (Checking account) with PNC Bank N.A. (IN).
Issue: Problems caused by my funds being low

Complaint: I am on a fixed income along with my wife. We live paycheck to paycheck and often order necessities online. After it was determined that we would not be able to make all our payments for the month, we decided to put our student loans into forbearance. But for whatever reason, the loan payments were posted to our account on Tuesday, putting our checking account into overdraft. There were multiple other payments that were posted ( that I could not cancel, because they were pending ) on Wed and Thurs. By Thurs morning, the damage had been done. A total of ( XXXX ) {$36.00} overdraft fees were charged to my account. I 've worked with my bank to dispute the loan payments that were made in error. With PNC 's track record, I am confident that a few of these transactions were processed in such an order to maximize fees, such as was done to me previously this year. Because of the {$250.00} in fees I now do not have the funds for my car payment, and will be in the negative again next month ( perpetual cycle of abuse ) because I am on a fixed income. It 's a snowball effect, and we are being overwhelmed. This is abuse!!! We have our first child on the way and are trying to move into a cheaper apartment, and PNC is interfering with our attempts at a reasonable life! How long will the abuses continue? I demand reversal of ALL fees charged to my account IMMEDIATELY. These fees are obliterating any financial gains we have made. If no action is taken, I will take this up with an attorney and will alert everyone I know how PNC drains its customers and treats them as profit centers.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CO).
Issue: Customer service / Customer relations

Complaint: In XXXX XXXX, I received XXXX American Express ( Amex ) credit cards : Blue CASH and Blue Cash REBATE. I charged {$220.00} to the REBATE card. 

In XXXX XXXX, I found out that the REBATE card had an annual fee, so I cancelled it and arranged for the {$220.00} to be transferred to the CASH account. 

My next Amex statement was for {$220.00} to the REBATE account. I paid off that account on XXXX XXXX, XXXX. 

Amex notified me in XXXX XXXX that the CASH account had an outstanding balance of {$220.00}. I explained that I had made that payment to the cancelled REBATE account. I sent a proof of payment for Amex to conduct an investigation. I would not be able to use that card during the investigation. 

Amex called in XXXX XXXX ; the customer service person said " everything is fine, and you may use your CASH card again. '' I made a charge in XXXX XXXX. Then I was again notified in XXXX XXXX that there was an outstanding balance of {$220.00}. I sent another proof of payment, and they were to conduct another investigation. 

I received several robocalls In XXXX and XXXX XXXX demanding payment for a balance over {$300.00}, the original {$220.00} plus late fees and interest. I called Amex to remind them that my account was being investigated for the lost payment I 'd made in XXXX XXXX, and was told the investigation was ongoing. In XXXX XXXX, my CASH credit card was cancelled by American Express. 

In XXXX XXXX, I received a check from Amex for {$220.00}. Experian notified me via email that my credit rating was hit with a XXXX-point subtraction from Amex. In XXXX XXXX, I received a demand for payment of over {$400.00} ( balance due + late fees + interest ) with the threat of sending the account to a collection agency if I do n't pay that amount by XXXX XXXX, XXXX. 

In addition, in XXXX XXXX I discovered that I had paid over {$700.00} more than the balance due for a previous Amex credit card account. Amex called and opened a new credit card for me, promising that a check for the overpayment was " in the mail. '' I never received that refund due. 

I am beyond frustrated. I have written and called about that the {$770.00} credit due to me ; they deny even knowing about that account I had ( I have the account number and have provided it to them, but with no response ). 

Please help me to communicate with Amex about this untenable situation. I am willing to sue if necessary. 

I will need help in recovering the documentation for the {$770.00} overpayment. I got the account number and amount from my XXXX credit report online, but did not copy the entire report. I have not yet tried to retrieve those proof of payment documents, but plan to do so today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-06-2017 about Debt collection (I do not know) with Navient Solutions, LLC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX, 2017 This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on my credit files that is inaccurate. I never attended XXXX XXXX XXXX. I do not have a signed agreement/contract with you General Revenue Corp. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Please provide me with a copy of an updated and corrected credit report showing this item is removed for all 3 credit bureaus, I demand the following account be properly verified or removed immediately.
Name of Account : Account Number : Provide Physical Proof of Verification : XXXX / General Revenue XXXX Unverified Account * NOTE : Please also remove all non-account holding inquiries over 30 days old.
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 02/27/2018 about Student loan (Federal student loan servicing) with GREAT LAKES (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: My Federal loan was transferred to this company about 5 years ago. I logged in and set up auto-payments that would increase every year or so to help pay off the balance faster and unfortunately for me, didn't pay much attention to the account. My original balance was {$34000.00}. I have paid over {$9000.00} to this company for my loan, and now my balance is {$35000.00}. This interest rate must be the legal max, which is absolutely not what I signed up for. My estimated 'pay off ' is in 21 years and at that time I would have paid {$70000.00} for a {$34000.00} loan. What is my interest rate? No clue. Cant be found on the website after I log in ANYWHERE. I have a feeling I received some scam letter saying my loan was being moved to this company and fell for it. I am paying off this loan with this company today in full so I don't have to deal with this SCAM any longer. But I would love some answers and to find out if I can get my {$9000.00} back/applied to my loan rather then pocketed by this 'company '.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Bank account or service (Cashing a check without an account) with U.S. BANCORP (OH).
Issue: Using a debit or ATM card

Complaint: Approximately a half hour ago I visited a US Bank ATM/branch inside a XXXX grocery store. I left my debit card in the ATM slot too long and it ate my card. I immediately looked went to the teller who advised me to get my ID out. He retrieved the card, noticed I am not a US Bank customer, and advised that " by law '' they could not give me my card unless I am a customer. 

XXXX XXXX the branch assistant manager ( XXXXXXXXXXXX ) advised that this us because they do not know why it ate the card ( he was looking right at it ). He said it could be fraud or anything and even though Inhave an ID he wouldnt know the reason. I asked if he would know the reason if I were a US Bank customer. He said he would. Which also does not make sense to me. 

XXXX advised that he can assure they would destroy my card for me. 

Branch XXXX XXXX Assistant Branch ManagerWhy can he stand there and keep what is mine when literally a minute prior the ATM took my card and I have a drivers license? Why can he return the card if I were a USBank customer but not otherwise? What " law '' states that he can not return my card to me because he does not know why the ATM ate it, though apparently the " law '' allows him to if I were their customer?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My credit card company sold my XXXX debts for XXXX and XXXX to a company called CACH , LLC. A few months ago I contacted this company to pay this debt and spoke to a representative who assured me that If I paid the balance in full they would remove the debt from my credit reports. I told them to give a day and I would have it for them. I called back the next day and spoke to a new representative who told me that they would not remove the XXXX debts from my credit report and then my balance owed changed to XXXX dollars total. when I explained that the balance was not correct and I was also assured that my debt was supposed to be removed upon full payment of both debts, and that I wanted to speak to a supervisor, she hung up on me. Since that time I have been consistently calling trying to take care of this debt and I have not been able to reach anyone since.

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 12/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with GVA Holdings, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: these people started calling me on XXXX/XXXX/2015 about an illegal usury interest rate account, that they purchased from XXXX XXXX. XXXX XXXX does not have a license to make these type of transactions in the state of California ... ..I advised them that I will not pay {$900.00} in interest on a six month account and requested their license number..they have not provided it to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
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 have disputed with both  Portfolio Recovery Associates  and the credit bureaus for these accounts listed on my credit report by  Portfolio Recovery.  I requested debt validation from this company ( see attached ) and they were not able to provide me a summary of ALL account activities, nor did they prove that the statute of limitations had not expired for the accounts they are reporting. Additionally, they did not provide copies of any papers that show I agreed to pay what they say I owe that bears my original signature.     This company is a third party collection agency and is reporting that the accounts had terms of 1 month. I have NEVER did any business with this company, nor have I ever signed any contracts with them ; the reporting of this is in violation of my consumer rights ; this is inaccurate. My initial correspondence with them was a dispute. During the dispute process, they should have ceased all collection activity ; however, I received a letter from them again regarding payment. The documentation sent to my by the company ( see attached ) in no ways validate this debt as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Company contunes to keep calling stating I am being investigated they contune to call several of my family members muitlable times, even after they told them to stop.They have called my employer stating that I am being unvestigated and if I do not return there calls they will send the police. I have contacted the company and asked them to stop calling. This debt is from XXXX. They threaten to put leans on my automobile and ruine my credit. I asked for the company mailing address and they rufused I asked the name of the company and they stated it was XXXX. I do not know if this correct.

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