milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/28/2015 about Debt collection (Medical) with Palm Beach Credit Adjustors, Inc (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: call me to my job

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Bank account or service (Savings account) with ALLY FINANCIAL INC. (AR).
Issue: Deposits and withdrawals

Complaint: I opened an account with Ally bank. I made an initial deposit of XXXX. I established my online access. After less that a day, my account was locked for security reasons. After XXXX days of calling and talking to different people, I was informed my aunt needed to send a copy of my ID, SS card and a utility bill to an address that started with fraud. I never have been able to get an answer from anyone. No one has ever contacted me at all regarding this account. I have called the person who requested my informant no less that XXXX times and he refuses to call me back. I asked to get my money back and the answer was " we ca n't refund money until we know who it is going to ''. But the can take my money. I was assured the money would not be taken out of my account until this mattter was straightened out. Well it has been taken. I just would like to get my money back and wash my hands of Ally Bank

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 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Account Control Bureau (LA).
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: In XX/XX/XXXX, I disputed an account on my credit report directly with XXXX, XXXX  and XXXX   concerning an account with Account Control Bureau. At that time, Account Control Bureau sent me a handwritten letter stating charges from an apartment complex. This document did not contain my signature or any way showed any evidence that I agreed to take responsibility for this account. On XX/XX/XXXX, I sent Account Control Bureau a certified letter asking for debt validation of the account including a contract with my signature from the original creditor and proof that they are legally able to collect this debt. The certified letter was received by the company on XX/XX/XXXX. I have not received any response from the company concerning my request.

Company response to consumer: Untimely response
Consumer complaint received 01/17/2017 about Payday loan () with Rosebud Economic Development Corporation (AZ).
Issue: Charged fees or interest I didn't expect

Complaint: I am a XXXX year old grandma. In XXXX I was accepted for a XXXX loan which they said I could pay back in 2 years. My husband is XXXX with no medical insurance. I needed to get him some help. We are already XXXX in debt to medical with one income. I was desperate for my husband to at least get some medicine and he is also XXXX. I was led to believe that I would pay XXXX a month for 2 years. That was a lot but I could scrape it up because my I needed this loan for my husband. Come to find out it was XXXX a month which meant after 2 years on a XXXX loan I would pay back XXXX plus back. I could not do this. That is 220 percent and the loan did not say oay day loan because I would of know not to do this. I have no where to turn. Everyone I talked to asked if this percentage is legal. I did not know but we can not pay this back at this obscene rate. It is called Q credit and is funded by Rosebud XXXX XXXX XXXX. I guess this is all my fault but I never dreamed this loan would of caused me so much XXXX. On top of the critical condition of my husband and finances I am at a loss. I guess I am just an ignorant old lady. The offere came in the mail and I was desperate. I was told to call the Attorney Generals office and then Channel XXXX where they help people like me. I hope this company does not hurt anyone else. I made them stop charging my account at least as far as I know. I am really scared. I do not know what to do or where to go. I took the loan out for XXXX and paid XXXX. Now my balance is XXXX. When I talked to them about it they said " Well sure that is the interest ''. I told them I could not do this. They will be contacting me soon and I do not know what to do. My name is XXXX XXXX. I live in XXXX Arizona. My email is XXXXXXXXXXXX and my number is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX for assisted living. I just needed someone to know so that no one else gets hurt by this company. I heard that XXXX on your side could maybe help to. Thank you for your time. 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 07/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: ATTN CFPB : THIS IS NOT A DUPLICATE COMPLAINT, I AM FILING THIS COMPLAINT IN REGARDS TO MY PREVIOUS COMPLAINT. TRANSUNION RESPONDED TO ME THROUGH THE PORTAL, I THEN RESPONDED TO THEM THROUGH THE PORTAL, AS IT IS NOW XXXX XXXX, 2015 I HAVE NOT RECIEVED A RESPONSE FROM TRANSUNION IN REGARDS TO MY RESPONSE. TRANSUNION HAS NOW LEGALLY EXCEEDED THE TIME FRAME ALLOWED TO THEM ACCORDING TO THE FCRA LAWS. THE DISPUTED ITEM OUTLINED IN MY ORIGINAL DISPUTES MUST NOW BE LEGALLY REMOVED FROM MY TRANSUNION CREDIT REPORT. 
I am writing in regards to my original disputes referenced with the CFPB. I have disputed these alleged accounts information as inaccurate with Transunion, and Transunion has come back to me and stated that they were able to verify these alleged debt. How is this possible? Under the laws of the FDCPA, I have contacted each of the creditor listed on my credit report myself and have been unable to get them to verify that these are indeed my debt. 
I have previously enclose copies of my requests for them to Validate my debts, and the receipts showing that I sent these letter certified signature request. These debt are not mine and I was given no evidence of my obligation to pay these alleged debts to the creditor 's listed on my Transunion credit report.. 
The FCRA requires Transunion to VALIDATE the validity of the disputed items within 30 days. If VALIDATION can not be verified, Transunion is obligated by law to remove the disputed items listed in my original dispute. There is a clear case of unverified debt here, and I urge Transunion to remove these items before I am forced to take legal action. 
Transunion has legally failed pursuant to the FCRA, to VALIDATE the disputed items outlined in my original disputes and is continuing to list the illegally disputed items on my credit report I will find it necessary to sue Transunion for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue Transunion in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I would also like to request that a new fully updated copy of my Transunion credit report be mailed to me at the address listed above in this letter. 
As you can see I am keeping a very detailed record of all my correspondences with Transunion. 
I look forward to a speedy resolution of this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax data breach. I allege Equifax failed to keep their systems up to date which resulted in a massive data breach that affected approximately XXXX people including me! This put nearly XXXX of the XXXX population 's credit data at risk. The management of Equifax must be held responsible for this data breach!

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Debt collection (Credit card debt) with U.S. BANCORP (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: US bank has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting 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 non-monetary relief
Consumer complaint received 04/28/2017 about Student loan (Private student loan) with NELNET, INC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: i have repeatedly requested via phone calls and this forum for a complete breakdown and explanation of any and all payments received, fees charged, etc. on my loan.     i have received some paperwork but it does not include breakdowns nor explanations.     i 100 % disagree with the balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
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 sent verification to Experian from the The United States Bankruptcy Court ( District of South Carolina ) to show proof that : I challenged the accuracy, compliance and reportability of this listing. The United States Bankruptcy Court do not provide court records to credit bureaus or third party vendors. So how and from what source did they ( Experian ) investigate and or reinvestigate this information. I provided proof of the credit bureaus error in reporting. The public record should be removed. attached is the response and dates that were sent to me. I also have a problem with the time frame in which they said that investigated. All records, letters and proof is attached. The state that i need to have more proof the letter form the court is more than sufficient.

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 10-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: When I was first out of college and underemployed or unemployed the company consistently steered me towards forbearance and deferment, this took my loan balance went from the initial {$55000.00} to over {$72000.00} by the time I was able to get on my feet and find a good job. I feel like I would have been better served by a IBR or other program, but when it came to setting that up the documents would n't go through for on reason or another.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2015 about Credit card () with STERLING JEWELERS, INC. (OH).
Issue: Billing disputes

Complaint: Kay Jewelers in XXXX Ohio XXXX allowed my son to purchase a wedding band and a diamond band on my Kay credit card with out my knowledge/approval I brought it to their attention as soon as I noticed it on my statement over a year now they refuse to do anything about it, say it is my responsibility.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-12-2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (RI).
Issue: Problems caused by my funds being low

Complaint: XXXX I am writing regarding a previous complaint. I submitted the complaint ( 9 ) days ago. The # CFPB gave me for it is above. I tried to " CHECK STATUS '' but the page it jumped had no info. The complaint history - on a different page - states : Sent to Company. 

I received a phone msg. from the XXXX office on the XXXX or XXXX, asking me to call them. I have called ( 3 ) times. No other messages were forthcoming and my calls where not returned. I have no idea what the status is and my account and the fee money remains with the bank. 

The complaint is regarding fee and charges that were unfair and excessive. I post dated a check and it was cashed early with a {$6.00} short in the amount to clear it. Since the check was cleared EARLY, I received {$95.00} in fees. The fees are disproportionate to the shortage. The banks are allowed to charge outrageous fees. 

The account is a small business account. I paid out {$600.00}. to employees in cash because I could not use the account. 
Another fee was charged when a campsite establishment made an unauthorized use of a debit cards " on file '' and ( 5 ) days after our stay used the wrong card, caused another fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/13/2015 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Please see the enclosed XXXX statement for XX/XX/XXXX. My due date was XX/XX/XXXX and my account was paid on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX for XX/XX/XXXX. Therefore my bill was not late and please updates all credit reports with this information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I want to negotiate the credit card debt, but all I get is robo calls, I wish this debt collector would mail me so something so I can start paying the debt down, like other collectors are done.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I recently refinanced my mtg from Freedom Mtg to Freedom Mtg. On my closing disclosure, the initial escrow payment at closing does not match what was actually deposited into my escrow account. I called the title company and verified that {$830.00} was the initial escrow payment at closing. Freedom Mtg only deposited {$480.00} which caused a shortage to my impound account, and now they are billing me for the shortage causing my house payment to go up. I have been trying to get his straightened out with Freedom Mtg since early 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 12-03-2016 about Bank account or service ((CD) Certificate of deposit) with POPULAR BANK (CA).
Issue: Account opening, closing, or management

Complaint: i opened a 1 year CD with Eloan XXXX 2016 in the amount of {$200000.00} usd. i started receiving unknown deposits to my checking account from Banco Popluar-after researching, discovered Eloan /Banco popular same company. 

1. They hid the automatic deposit Externally transferring interest monthly to my personal checking, in " my profile '' section at very bottom -- that no one told me about. I had to make an expensive call to eloan from overseas ( which is so annoying that they have no other option like live chat or emails to handle customer service actions ) 2.Eloan would not do anything to rectify their actions. i finally could access my online account ( eloan had locked me out of & only option was to call in -another example of eloans horrible customer service ) I went into my now unlocked account & successfully changed it to " add to principal '' on XXXX XXXX 2016. I know it was successful because i did 2 steps to confirm & site said change was now confirmed in red type. 
3. On XXXX/XXXX/16 another deposit came into my personal account. ELoan undid the 2 steps i did online to confirm the change to the interest deposit to be " Add to Principal ''. 
4. I am disgusted with Eloans fraudulent business practices. I demand they add ALL my interest to my principal from XXXX 2016. To pay me the full compounded interest -- that they are trying to short change me. I never, willingly or knowingly authorized the external transfer of interest of my money.

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 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX   report and other furnished XXXX XXXX regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit  Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX, XXXX XXXX XXXX , XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX, XXXX XXXX XXXX, XXXX, OH XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
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 informed all of the credit agencies that the XXXX XXXX XXXX XXXX Account that the late reporting on my credit file is reporting in error. I was never late on this account. Please help me to get this inaccurate information removed from my credit 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 09/13/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: WellsFargo is charging overdraft fee on online transfers. It is impossible to transfer funds between account if the funds are n't available. I transferred {$520.00} that showed available after my direct deposit on XXXX/XXXX/2016 and was charged {$35.00} XXXX/XXXX/2016 as follow : XXXX/XXXX/16 OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$520.00} ONLINE TRANSFER TO XXXX EVER YDAY CHECKING XXXX {$35.00}

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax experienced a security breach that affects 143 million individuals. I checked their website ( https : //www.equifaxsecurity2017.com/potential-impact/ ) to determine whether or not I was potentially impacted, and the results say that I  am. 

I have requested a 90-day fraud alert to be set up so that I am aware of any attempts made at stealing my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Mortgage (Reverse mortgage) with AMERICAN ADVISORS GROUP (CA).
Issue: Trouble during payment process

Complaint: / On XXXX/XXXX/XXXX asked my banker { XXXX XXXX } to help me get a " payoff instruction '' from XXXX. After many minutes of phone frustration finally got to a recording allowing a voicemail where we could request a return call from them. NO LUCK. NO RETURN CALL.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Hello. On XXXX of 2017, I purchased a " Used '' XXXX. Before any purchase or my information was given, I informed the sales associate over 3 times I am approved by XXXX and I will be using XXXX since I have no care to look at any other options. The sales associate informed me I " have '' to submit a credit application through XXXX even though I had already created and submitted and was accepted by XXXX and that he " knows what he 's doing '' since it is the " credit process '' that will show XXXX approved me. Even when I submitted, the associate did not for once even show me other options ( even though I had no desire to ) and simply went through with my purchase. A few days later, I see a few hard inquiries, contacted XXXX for advice, and was informed what they had done should never have occurred and it was without my permission and shared that I should write to the Consumer Financial Protection Bureau to dispute this action that was wrongfully done as I had already received approval.

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 10-04-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX XXXX are fraudulently reporting on my credit reports claiming that I have a debt with old navy ( synchrony bank ) in the amount of XXXX. This credit card was fraud under my name as I did not open this account After numerous attempts with XXXX, they have not provided me with proof such as my actual signature in opening this such credit card therefore still not removing this account on my credit report. They continue to tell me they verified it was mine but no proof!

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 08/31/2016 about Bank account or service (Other bank product/service) with KEYCORP (NY).
Issue: Account opening, closing, or management

Complaint: KeyBank is taking over XXXX XXXX XXXX. I have a credit card with reward points that do not expire with XXXX XXXX. After the merger, points will expire if not used in 48 months. Details of this are hidden in the terms of contract. I feel that this is an outright theft of funds especially for people that do not read every detail.

Company response to consumer: Closed with explanation