milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-05-2015 about Credit card () with DISCOVER BANK (CA).
Issue: Privacy

Complaint: I am very upset with Discover as both myself and my family have been harassed by this company. My bill for this month was due on XXXX XXXX, but I did not get paid until today, XXXX XXXX, so I was going to be late on my payment and have to pay a late fee. This is an understandable situation considering I am in the process of moving so I did not have my usual extra savings to cover the bill. Unlike other banks who respect their customers and would wait a considerable amount of time to start repeatedly calling to collect the money, Discover Card was blowing up my phone non-stop with multiple calls from them daily within the first week of my payment being past due. Although that is upsetting, that is not my ultimate concern. My privacy has been violated by Discover cards and their employees because I received multiple calls from my mother ( who does not live with me, who I do not have listed on my Discover card as an authorized user, and who 's phone number I have never disclosed to Discover card ) telling me Discover was also harassing her, calling my parent 's house multiple times a day impeding my fathers business calls in order to try and receive money for this payment, that at this point was n't even XXXX weeks late. Does that seem a little ridiculous to any one else? Because I am completely appalled at the fact that they somehow found my mothers number, and without my consent, called her to receive money that she does not owe. There should have been absolutely none of my information disclosed to someone who is not on my account. Even if they somehow obtained my parents personal number, there is no reason that when my mother answered the phone, again someone who is not listed as an authorized user on my account, that she should have even been told that my account had been over drafted and had not been paid for that month. Then my XXXX mother who has enough financial issues of her own felt obligated to pay this past due amount ( payment made on XXXX XXXX, 2015 ) to avoid being continuously called and harassed by the Discover company. Overall, I am very displeased and angered by this occurrence and I would definitely not recommend Discover to anyone. My privacy has been violated by this company, and both my parents and myself have been continuously harassed after a bill that was due less than XXXX weeks ago. I am going to be canceling my card once it is paid off and sticking with my primary bank XXXX. I am looking for a resolution to this unfortunate situation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-01-2016 about Bank account or service (Checking account) with U.S. BANCORP (IN).
Issue: Problems caused by my funds being low

Complaint: Bank state that I had overdraft protection when I had never asked them for that, They said they had mailed me a letter XX/XX/2015 telling me I had it and I had not responded otherwise so I accepted.

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 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EARLY WARNING SERVICES, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I became aware that several credit and checking accounts were opened in my name without my approval, consent or knowledge. From 2016 until present I have not applied for or opened any new checking or savings accounts whatsover with any bank. I bank with XXXX XXXX XXXX which I opened in person in New York. Every other bank account and inquiry on my XXXX and Early Warning Services report is a result of fraud. I did not even live at the addresses that were given to XXXX or Early Warning Services. I am attaching a copy of my photo ID, birth certificate and my current lease showing where I actually lived during this time of identity theft. The only account that is actually mine is with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Account opening, closing, or management

Complaint: I had a loan through a bank that was discharged and cancelled and I paid taxes on the amount as income. However they are still reporting the charged off amount on my credit report as a XXXX dollar balance on my charge off when the debt was cancelled and not owed anymore.

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 01/25/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: at trans union it is different than any other credit report it is reporting that XXXX and XXXX and XXXX are bad accounts but they are not they were paid in full and closed by me

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 03/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Ad Astra Recovery Services Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Upon ordering my annual credit report I noticed the company Ad Astra on my file. The entry was from a " XXXX '' account. Ad Astra was sent letters to verify and validate the debt, but I never received documentation to validate nor verify the debt. Additionally by law consumers should receive Dunning Letters so that they may dispute a debt in question. To my knowledge, Ad Astra Recovery has never forwarded a Dunning Letter to my attention and my address has been the same for over 4 years now. 

The company has not provided any information including the original contract with Ad Astra. I do not have a contract with Ad Astra.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Credit line increase/decrease

Complaint: I applied for credit line increase and I was denied because the bank told me that 's I had a previous credit card back in XX/XX/2004 and I explain to bank of Americ I did n't open this card and send me a fraud packet and I never received it and I called again and they could n't find any records that I applied for credit line increase or a credit card I feel like this is n't right nor its fault I currently have the secured credit card and I made all my payments on time and early and I do n't get rewarded for my hard work and they wont increase my credit line I explain to bank of America that my credit score is XXXX and I do n't have any outstanding debts on my credit report I want a credit line increase and they refusing to do so

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 09/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: I filed a complaint against Wells Fargo because I was told on numerous occasions that when a payment is made on my credit card and I am currently under a promotion ( 0 % for 18 months ) that the minimum payment goes towards fees, interest and higher rate portion of account first. Makes sense. what they failed to mention is because I was due for {$110.00} minimum payment and I made a {$5000.00} payment that the difference would be applied to lower interest first. reason? they explained that I should have made minimum payment of {$140.00} first. Then cut another check for {$4800.00} and then the monies would have been distributed differently. they also informed me that the agent who took the payment on XXXX XXXX should have explained this. the section under terms and conditions for their credit card is below ( WELLS FARGO Generally, we will apply your minimum payment first to lower APR balances ( such as Purchases ) before balances with higher APRs ( such as Cash Advances ). Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones. ) They failed to mention that payments made in excess means writing another check separate from minimum payment. Had I been made aware that I should have just made the minimum first this would have saved me a lot of unnecessary interest. I have expressed my concern with several people who have similar promotions and they were not aware that making an enormous payment that covers the minimum payment is not the same. They were not aware that 2 payments are necessary. This is outrageous and I am going to pursue this matter.

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 10-11-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: After sending the attached letter to Experian I received a response stating that Experian had contacted the company reporting the information I disputed ... ..and instructed them to review all information we provided concerning the dispute, verify the accuracy of the information, and provide us a response to your dispute, and update their records and systems as necessary. 
I have never given written or verbal consent ( as required by FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) ) to the Bankruptcy court, XXXX XXXX or any other party to share any public record information they might have on me with any Credit Bureau or anyone else ; including 3rd party suppliers of information. According to the FCRA, only information which has been Validated as true and correct can be reported on my credit file. Third party " verification '' does not meet the legal standard of validation, but, is merely heresay. Heresay can not be the basis for reporting an item on my credit file under any circumstance. A validator must have first hand knowledge of the information being validated. It is obvious that a court clerk or anyone else looking at a computer record and passing on that information as being " Validated or even verified '' does not meet the standard required by the FCRA nor by an abundance of court cases. While the information reported on my credit report has been challenged on its authenticity and its accuracy ; it is obvious from the Bureaus response, that they have no interest in listening to that dispute based on their acceptance of " verification '' as being legitimate. Therefore, I am asking you to investigate the way in which Experian conducts its " validation '' process

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 11-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I write Transunion in XXXX and tell them no dispute for XXXX accounts XXXX and XXXX. But my mortgage person tell me they still in dispute. I NO DISPUTE. Please change this!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are several items appearing for medical which are inaccurate and false information. I have tried several times to request validation and nothing has been sent. How is Equifax able to keep these on my credit file? I need help XXXX Accounts # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2015 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XX/XX/2015 I sent a letter informing Fifth Third Bank not to process my payments. electronically anymore. This letter was sent certified mail and I had the receipt from where I sent the letter certified mail on XXXX XXXX, XX/XX/2015 My receipt shows that Fifth Third Bank received and signed for the mail on XXXX XXXXXX/XX/2015. In that same letter I enclosed my mortgage payment for the month of XXXX in the amount of {$1700.00}. Fifth Third Bank cashed that check on XX/XX/2015 it cleared my account. On XXXX XXXX, XX/XX/2015, which is more than 3 business days after they received my letter, Fifth Third Bank tried to make an electronic transfer in the amount {$1700.00} which is also an incorrect amount for my mortgage payment. This is clearly a violation of the Electronic Funds Transfer Act 12 CFR 1005.10 ( c ) ( 1 ) Consumer 's Right to Stop Payment. This states that " A consumer may stop payment of preauthorized EFT ( electronic funds transfer ) from the consumer 's account by notifying the financial institution orally or in writing at least 3 business days before the scheduled date of transfer ''. As a result of Fifth Third Bank trying to complete an EFT for an amount to cover my mortgage which had already been paid, I was charged {$30.00} from my bank with who I hold my checking account ( XXXX Bank ) for insufficient funds. Now Fifth Third is calling me and trying to collect additional money as well because the check did not clear. I have called and talked with several representatives who are either refusing to help ( just trying to collect more money XXXX or saying they can not help. I have explained to them that my mortgage payment for XXXX is not due yet and XXXX representative was saying the EFT that they tried to process was for the XXXX payment. I have explained to them I will continue to pay my mortgage monthly but by check and I will no longer use EFT. Fifth Third Bank should also have to reimburse me {$30.00} to make me whole as a result of my insufficient funds charge with XXXX due to them violating Federal Regulation regarding the Electronic Funds Transfer Act. I have copies of the letter mailed, as well as the certified mail receipt PS Form XXXX, Domestic Return Receipt if they need to be provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/14/2017 about Student loan (Non-federal student loan) with NELNET, INC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Hello, Im writing to express the difficult transition in the transfer of my private student loan from XXXX to FirstMark Services. I have been paying this account since XX/XX/XXXX, without falling behind on my payments. I had been using an online account to make these payments. As of XX/XX/XXXX my loan was no longer being serviced by XXXX, which I just found out XX/XX/XXXX and immediately paid the entire amount past due. 

During this transition I never spoke with either party that this was happening. Never receiving anything in the mail or by phone. I did search and find several emails from FirstMark services in my junk folder after I had discovered there was a transfer. The website I had been using to make payments ( XXXX ) has/had no messages informing me of this transition. I discovered what had transpired by contacting XXXX on the phone because I have been unable to make payments via website or automated phone system. When trying to make payments on the account it displayed there is no minimum payments due. I should have called sooner to investigate the disapearance of my loan, and for a few months I just assumed that I was ahead of my payment schedule which is why there was no minimum due. 

After calling around finding the new location of my loan I was informed that I was only days away from defaulting on a $ XXXX/month loan that I 've never missed payment on prior to this transition. 

I hope there is someway to fight the late payments filed to creditors since I work very hard to my debts and maintain a healthy credit score. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Debt collection (Medical) with Pressler & Pressler, LLP (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I had a debt with a hospital in New Jersey for copayment of insurance for a back operation I had in XXXX of 2016. Before I could try to work this out with the hospital, the matter was turned over to a law firm in New Jersey by the name of Pressler & Pressler. I have attempted to contact Pressler and Pressler and no one will return my call. In the interim they have entered judgment against me and have been contacting my employer to find out if I work at my job so that they may issue a wage garnishment against me. They have called my employer on two occasions and during each call have refused to identify themselves -- only asking if I work there. My employer has advised me of these calls. This has caused great embarrassment to me as it is a personal matter and I feel that my privacy has been invaded by this law firm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (PA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: To : XXXXXXXXXXXX ; I called in to put a STOP Payment on an ACH authorized payment and told the XXXX Customer Service representative exactly why. He replied the fee would be XXXX XXXX for the bank to STOP and reverse payment. I told him since I am calling in advance to STOP it ahead of time so that it would not have to be reversed. He then agreed to waive the XXXX and STOP the ACH from taking from my checking account. Then today XXXX/XXXX/XXXX I called to check my balance and it said XXXX. I called in at XXXX a.m. Another Spanish customer Service representative told me my account would be credited the fees from the overdraft and XXXX and quickly transferred me to the claims department to cover up their mistake. They made me submit a claim after they never reversed it and charged extra fees. The claim number they gave me was # XXXX. 
They were supposed to STOP payment ahead of time.. Days ahead of time. Why they are making me submit a claim for their mistake does not seem like proper bank protocol.

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 03-06-2017 about Debt collection (I do not know) with Crown Asset Management, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In the month of XX/XX/XXXX I reviewed my credit report from XXXX, and found a hard inquiry from Crown Asset Management , LLC ( C.A.M. ) dated XX/XX/XXXX for a purpose unknown. 

In response to the Inquiry made by ( C.A.M. ), I mailed Crown Asset Management , LLC ( certified mail ) a request for Validation on XX/XX/XXXX and noticed they received my letter ( attached ) on XX/XX/XXXX. 

Crown Asset Management , LLC had no permissible purpose in accessing my credit report and their action of obtaining my credit report constitutes a communication and 'collection action ' under the Fair Debt Collection Practices Act, ( C.A.M. ) had also failed to send me a notice of my right to dispute within 5 days of their first communication violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

I disputed the entry made by ( C.A.M. ) with XXXX and received a letter from XXXX in response to my dispute indicating that I need to contact the company that is responsible for the inquiry. Crown Asset Management , LLC also violated the Fair Credit Reporting Act ( FCRA ) in obtaining my credit report without a permissible purpose. 

It has been 34 days and have received no reply from Crown Asset Management , LLC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I applied over the phone to get my yearly free credit report from all XXXX reporting agencies. All three sent back a letter, stating that I would need to send a copy of current Driver 's License, a copy of a Bank statement and Utility bill. I sent this info out and received my credit report from XXXX and XXXX. I then called Transunion to ask about the delay and was told that they were unable to read the copies I sent out. I had copies for myself and had no problem reading them. I then sent out XXXX copies of Driver 's License and Bank statement ( which were copied in color ). I was told this time that the Driver 's License could not be accepted because I had it longer 2 months. Which make not sense at all! So now I am left unable to get my report from Transunion.

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 12/29/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Billing statement

Complaint: I have a CareCredit credit card through Synchrony Bank. I used it 3 years ago to pay for dental work for my friend. We set up the account to autopay from his account every month until the balance was paid of in 2012. The account has not been used until I had to have dental work done in XXXX. I got a statement from Synchrony with the my balance info and scheduled the first payment to be sent from my bank account. Unfortunately, my friend 's old account info was still retained in Synchrony 's system and they then took over {$700.00} from his account to pay the balance on my CareCredit card. I called their customer service line and they told me to look at my statement and I would find where they told me they were going to do that. That information IS on my statement but it is not on the first page, or the second page but down at the bottom of the XXXX page. I realize it is my responsibility to read and I should have read the entire statement but, as an employee of a financial institution and knowing we are required to put certain information up front, in bold and where our customers can readily SEE and UNDERSTAND that information, I feel that Synchrony Bank has totally FAILED in that regard. My friend stopped payment on the charge from his account ( so he could make his house payment! ) because Synchrony could not reverse the charge in a timely manner ( up to two weeks ). My other credit accounts that are autopay SAY that on the FRONT page. Synchrony should have to change their statements to do the same.

Company response to consumer: Closed with explanation