milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: My latest contact with Chrysler Capital was with XXXX at the XXXX if that is her name and what ever the XXXX is????? I have offered again to go over my complaint and they refuse. The XXXX CRA also are not doing a thorough investigation. Both Chrysler Capital and the CRA are just responding in a way to move the case to show there is something going on and that is it SOMETHING??? This is clearly an intentional act of willful intent to cause harm and is reckless. What is happening to me is NO different than what Santander USA was prosecuted for in Texas. I am not an active service member, However I am a XXXX American citizen. If someone would read all the documentation I am confident one would clearly see that Chrysler Capital has from XXXX XXXX and currently is WILLFULLY causing me harm. I have made a reasonable offer to pay the contract value for the car this allows all parties to move on with no loss. With the exception of the the countless hours I have had to log fighting for my rights. The XXXX, time away from my daughter, both XXXX and XXXX, the XXXX it has caused myself my daughter her mother has put us all a step back in an ongoing healing situation. The sad thing here is there are people within the organisation know exactly what they are doing. This is nothing short of terrorism for profit. I am BEGGING for this case be forwarded to ALL Governing agencies that are capable of granting me the FAIR request to get out from under the abusive control of Chrysler Capital and what ever needs to take place to remove the FRAUDULENT CREDIT REPORTING on myself and joint owner. with NO negative comments. Although I feel I should be compensated at minimum the Maximum amount awarded in small claims court for the obvious violations. I just want to pay of the principle amount get the title and move on. I PRAY that this be escalated to the highest level allowable so I can put this behind me. XXXX. The other thing I keep leaving out. When I first discovered the False reporting in spring of XXXX I had just started rebuilding after horrible time in my life. This triggered a DEEP cycle of XXXX I am prone to and I just XXXX and I let XXXX Credit Cards accounts I recently opened. As we all know the financial implications of that. I started dealing with this again in XXXX of XXXX with no resolution. This is what I believe Chrysler Capital feeds on keeping people in the subprime cycle. That is why I believe there business model is report late payments from a supposed missed first payment, so one ca n't refinance after six months, in addition to racking up fees. My account I believe is over XXXX XXXX Dollars overcharged.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Advertising and marketing

Complaint: American Express sent me promotional offers to open credit cards. I applied for the XXXX XXXX XXXX paid the {$75.00} annual fee and spent {$3000.00} in the first 3 months. The promotion said I would receive XXXX XXXX points for this activity. I never received the points and when I called to complain they just said I received bonus points in the past and therefore was ineligible. I also open an American Express Rewards card via a mailer. Once again the promtion stated I would receive XXXX reward points if I spent {$2000.00} in the first 3 months. The same thing happen. They said they had no record of this promtion on my profile and I was again ineligible. I also receive multi page ( XXXX pages ) mailers at least XXXX a month stating changes in their policies. I can hardly keep up with these changes and when you call to complain they say you need to read your credit card agreement. Needless to say I 'm quite upset with this company and plan to close ever account with American Express. I feel this company is mis-leading the public and their business practices should be reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Billing disputes

Complaint: For upwards of the tenth time in the last two years, I have made a monthly payment on my Bank of America credit card after the bill issued, and they failed to credit it for that bill, instead imposing a late fee, reporting me late, and requiring a double payment. This has been complained of to CFPB multiple times before, and yet it keeps happening. Here again I sit after having spent a half hour earlier this week during the work week trying to get it straightened out, then when that representative said he had it straightened out and credited back the erroneous late charge, on the immediate next bill it said I was late and required double payment. Very simply, bill issued XXXX XXXX, due XXXX XXXX, I paid it XXXX XXXX, and yet they do not credit the payment. This has happened seriously upwards of eight times, perhaps more., I have complained repeatedly to CFPB, spent HOURS on the phone with B of A, been told varying stories by B of A, but they just keep getting it wrong. This is now a chronic consumer finance problem with them bordering on intentional.

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 01/19/2017 about Debt collection (Medical) with BALANCED HEALTHCARE RECEIVABLES, LLC (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: On XX/XX/2016 at XXXX I received a phone call from the phone number : XXXX requesting I call and speak to a representative with Balanced HealthCare Receivables. Upon returning the phone call I am notified for the first time of this debt and its advancement to the collections stage. I paid the debt via XXXX ending in XXXX on XX/XX/2016 for the full amount of the debt. I requested a receipt upon payment and was given a difficult time obtaining a receipt. During this initial and first contact about this debt, I informed the collection agency about my new location in California, not Florida, and was required to provide a Billing Zip Code for my Credit Card. Which would notify the collection agency of my relocation, even further. This reasoning is supported by the following statement that is verbally given during every phone call and on every letterhead from the collection agency : " THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. '' Therefore, the collection agency has no reason to deny their knowledge of the " local time at the consumers ' location ; '' pursuant to Section 805.1 of the FDCPA. 

XX/XX/XXXX, after much consideration and receipt of the pay-in-full letter, with a plethora of grammatical and numerical errors, I decided that this debt is illegitimate and disputed it with my credit card company. I believe that Balanced Healthcare Receivables is not a professional entity, nor a financial regulation abiding organization. 

On XX/XX/2016 I, XXXX XXXX, received a phone call from the telephone number : XXXX at the time of XXXX PDT, which translates to XXXX EDT and covers all United States Time Zones in accordance with Section 1 for a call being placed at that time as " unusual ''.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2016 about Debt collection (Credit card) with Total Card, Inc. (OR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have I put forth good faith effort to contact this TCI, Inc and XXXX XXXX XXXX who TCI, Inc says they represent. I have put in a request for validation of my debt. It has know been over 90 days since last communications from TCI Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Delinquent account

Complaint: Constant calls concerning credit account which is a debt resolution program. Phone nmber calling from - 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 non-monetary relief
Consumer complaint received 05/29/2015 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company XXXX XXXX has been calling friends and family even people not associated or related to me. XXXX of the girls spoke to my son about a debt I supposedly owe, telling him information about this so called debt, and that I will be taken to court, they can and will attach my XXXX payments and all means necessary to collect this. She said " we have her social security number and everything, we want this paid. We can offer a settlement and he explained that I am on XXXX and she said that does n't matter, they can and will attach payment from that. She even went so far as to ask him if he would make the settlement payment for me. I have just been released from the hospital two days ago after suffering a XXXX XXXX on Sunday XXXX XXXX, 2014. I am sure they are not permitted to disclose any information except to me, but they went into great detail with my son. He was at work at the time. They also contacted my ex-husbands wife on her cell phone while she was at work. I am hoping that you can stop this harassment before it gets more out of control, and the fact that they disclosed information to someone other than me, meaning my son is unacceptable. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: CONSUMER : XXXX XXXXCOMPLAINT : TRANSUNION AND ALL CREDIT AGENCIES1. I AM TRYING TO BUY A HOUSE2. I TRIED TO GET MY FREE CREDIT REPORT AND WHAT MY FICOSCORE ISA : THEY CHARGED ME $ XXXX : THEY BILLED MY XXXX XXXX CREDIT CARD ANOTHER {$29.00} JUSTTO GET MY INFORMATION FREEITEM1. I THOUGHT ALL CONSUMERS RECEIVED A FREE CREDIT REPORT2. I THOUGHT TRANSUNION COULD NOT STEAL ANY MONEY FROM US. 
THEY STOLE FROM ME AND SAID, XXXX XXXX SO WHAT, YOU HAVE NO CONUMER RIGHTS WITH TRANSUNION. WE CANSTEAL ANY AMOUNT FROM YOU, IS THIS TRUEITRM1. I CANCELLED MYSERVICE TODAYAND SPOKE TO XXXX, EMPLOYEE NUMBER # XXXX AT TRANSUNIONXXXX-XXXXORDER # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Using a debit or ATM card

Complaint: I need help resolving a matter of fraud related to identify theft and compliance violations by Wells Fargo Bank. 
My husband 's identity has been stolen. Numerous fraudulent checks and electronic transactions have been processed from our checking account, savings account and credit card. We have filed a police report and an identity theft affidavit with the Federal Trade Commission. 
We reported the fraud to Wells Fargo as soon as we discovered it, multiple times. Wells Fargo failed to assist us or open claims after the first XXXX reports of fraud on our checking account and after the first report of fraud on our credit card. They did not open a claim on our checking account until our third notice to them on XX/XX/2016. 
Wells Fargo has made numerous errors, compliance violations, and has used false information to initially deny our claim. They supposedly escalated the incident to their Resolution Team on XX/XX/2016, however, we have had no contact from that department and it has now been over 15 business days. The bank has been negligent in helping us and has committed multiple violations of the XXXX Transfer Funds Act ( a.k.a. " Regulation E '' ; parts 205.6 and 205.11 ), such as erroneously closing the claim and failing to provide provisional funds. In addition, Wells Fargo is in violation of the Fair Credit Reporting Act by refusing to provide detailed information, requested in writing, about the transactions. We have been very cooperative and have offered to partner with them in providing as much information as necessary to investigate and try to track down the source of the fraud to help catch the criminal ( s ), but we seem to be getting nowhere. I would appreciate any help you could provide. I am attaching a document with details of events from XX/XX/2016 to XX/XX/2016.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I originally tried to submit my payment in  XXXX  through the my loan servicer 's web site for fedloan servicing giving my bank 's routing number and account number and it got rejected, then I sent the  XXXX  payment via my bank 's online bill pay on  XXXX   XXXX ,   XXXX   and  XXXX  's payment on  XXXX   XXXX  to their billing address that was provided for me and both payments were rejected by my loan servicer for " invalid payee address ''. I verified the payment address with both the rep on the phone and through fedloan servicing and the website states that I can use a third party bill paying service offered through my bank but they still refused to take the payments and now according to fedloan servicing I am 30 days past due

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been disputing a public record since XXXX 2012. I do not know the supplier is with Transunion or others. I would have contacted them directly to remove the false record. When I successfully had another bureau remove it I had assumed all other reporting agencies would follow suit. I fear I am only requesting removal form the known XXXX bureaus and others XXXX still maintain this falsehood. 
I am requesting this bureau to notify their supplier after they remove it form their records. and XXXX other reports that should be removed. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Source Receivables Management LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I pulled a copy of my credit report and saw that this company was reporting a XXXX debt. I sent them a debt validation letter to see if this account was indeed mine and they replied with a simple letter just stating what the balance on the account was. That does not prove this account is mine. I sent another letter on XXXX XXXX stating to please prove the debt is mine with something that has my signature on it or a contract and they have not yet replied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: HI I was released from my ex husbands business irs income tax and Minnesota taxes when I filled out innocent spouse forms. It was from my ex husbands business that my name was never on. This was never my debt. On the credit report it states either paid or released ... on your companys credit report I noticed there is nothing stated?? I would like the lien information completely deleted from my credit report. The other XXXX credit agencies, XXXX and XXXX have completely removed the lien information off my credit reports. I would like you to do that as well ; since IRS released me from this debt and it is not my debt. thank yhou

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Advertising and marketing

Complaint: I had received a postcard in the mail from Citibank, encouraging me to sign up for their Citigold account, and offering me XXXX frequent flier miles for XXXX if I : signed up for account, spent {$1000.00}, and made XXXX bill payments through Citigold. I learned after my miles failed to be processed that Citi meant that you have to make a payment through their bill pay system ( e.g. bills can not be paid through the debit card ). However, it never stipulated in the advertising or anywhere that I could find that you must make these payments through the bill pay system as opposed to the debit card. As you can see from the attached document, it is not at all specific. I argued this to Citi, via telephone and electronically, but they wrote back to me repeatedly that they would not honor the offer terms. Money was lost as there is a monthly account maintenance fee that Citigold charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (Medical) with Phoenix Financial Services LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have Disputed this account since it came on my report XX/XX/2017. I am not the owner of this account. I even called and they said I would have to file a police report to have the collection removed. This is really hurting my credit. I am a teacher and I can not have false collection on my report. 

PHOENIX FINANCIAL SERV Outcome : Updated - The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (DE).
Issue: Late fee

Complaint: Capital One suspended my credit card and charged late fees to it for what they claimed was " fraud activity ''. I spoke with the bank and they said that " one of the credit bureaus had alerted them of fraud activity '' ... but would not say which one. 
Capital One opened a new account for me and moved the balance of {$740.00} to that account. But they added late and services fees bringing the balance up to {$800.00} for issues that have NOTHING TO DO WITH ME. There is no fraud on my account and they will not give me anyone to contact or which bureau suggest that fraud existed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I need my credit report updated with all my information because everything has been paid through my Chapter XXXX Bankruptcy case XXXX. XXXX Tn

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 EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Re : XXXX XXXX XXXX, Account number XXXX To Whom It May Concern : I would like to dispute the validity of XXXX XXXX XXXX XXXX Account number XXXX. I continue to dispute the validity of this account. This is my Third dispute for this account located in this correspondence are Copies of the certified letters and the proof of delivery of the Dispute. I request that Equifax please delete this account from my credit report. <P/>Thank you Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (IN).
Issue: Problems caused by my funds being low

Complaint: I have been banking with USAA for about XXXX years. I have disputed the order of transactions several times but it continues to happen. For example, I will make a purchase and the funds will be available and the money taken out of my account. Then a few days or a XXXX later the transaction will appear to have overdrawn causing a fee and the transactions will be out of order. It seems transactions are out of order for the convenience of the bank taking out bank overdraft fees. That causes of slippery slope of fees because the bank takes out money that is n't supposed to be taken out. That leaves the unknown of where the funds went that was taken out when the purchase was made. USAA is either stealing out of my account and charging fees or something.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Back on XX/XX/XXXX my mortgage was in the process of foreclosure, however during negotiations thru my attorney and XXXX XXXX XXXX 's attorney a resolution was reached to pay the back charges due and resume normal activity with mortgage, with no foreclosure and we remained in the home. This was completed sometime in XX/XX/XXXX. So for 6 years I have since made all payments as requested and per monthly statements I receive. Tax 's and Insurance is up to date. The last reporting date on my credit bureau, shows XX/XX/XXXX, and shows current under " payment status ''. But " account status '' shows " closed '', when the balance is XXXX from XXXX when this was worked out through XXXX XXXX XXXX, so balance as dropped as shown, I am not being given credit on bureau since XX/XX/XXXX, and this reports on XXXX and Trans Union. I have called many times but can not get this resolved, and always have to speak to a automated person, or be transferred to someone else who can not help me, except they say " it takes time for updating '' Really? its XX/XX/XXXX, a year and half, since they lest reported. I am not sure why it stopped reporting, as it was reporting current payment but with a closed account?!? I am confused, and need this corrected.

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 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a large amount inquiries that I didnt authorize or have knowledge of. My information was leaking and my private information was leaked and since this breach I recently pulled my reports for the first time and was alarmed at all of the hard inquiries that I was not responsible for nor did I authorize. I submitted a police report and the credit bureaus refuse to help. I am aware that reporting fraudulent information on a credit report is illegal. And this is hindering my ability to obtain credit.

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