milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/27/2016 about Bank account or service (Checking account) with FIRST NIAGARA FINANCIAL GROUP, INC. (NY).
Issue: Account opening, closing, or management

Complaint: The purpose of this complaint is to expose how First Niagara Bank covertly charged " analysis service charges '' to its customers as a predatory tactic after acquiring XXXX banks in XXXX. These charges were not agreed to between the lender and its new acquired customers nor were customers notified of this change. 

On XXXX XXXX, XXXX, First Niagara Bank acquired XXXX XXXX bank branches in upstate NY affecting XXXX households. I was using XXXX as my bank for my business account at the time. 

From XXXX XXXX through XXXX XXXX, First Niagara Bank charged my company over {$3700.00} in analysis service charges. These charges were not part of my original XXXX account agreement and I did not agree to pay these when the bank was acquired. 

These fees are predatory in nature and a tactic used by First Niagara to make the former XXXX banks more profitable and justify their acquisition costs ; these fees created additional financial surplus at the expense of the customer. Further, customers were not given sufficient time to find a new bank or given the opportunity to move their business with a notice of the new fees. 

I have made several attempts to address this issue with my local branch, but was told that they could not help me. I have also contacted First Niagara Bank and met with a regional representative. Several months have passed and the Bank has ignored my complaint. 

Had I been given notice of the fees, I would have immediately moved my business to another bank as I did not agree to the " analysis service charges '' when I opened the account. However, by the time I discovered that I was being charged, I was not in a position to change banks. My business was in the startup phase, which made it too risky to split revenues and pay vendors out of XXXX accounts. 

I hope that this complaint will be taken seriously and the situation rectified. Additionally, I believe that this issue should be escalated to a class action complaint for all XXXX families who were negatively affected and who did not agree to pay these fees when the acquisition occurred. First Niagara was opportunistic at the expense of their new acquired customer base and bank customers must be protected against predatory fees when an acquisition occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
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 accordance with FCRA 605B, I requested a block of information on my Experian, XXXX, and XXXX credit reports that are fraud, including proof of identity ( Drivers License and Social Security Card ), Identity Theft Reports and police report XXXX XXXX XXXX and XXXX XXXX XXXX, detailed identification of the fraudulent accounts on my credit report with copies of credit report, and a detailed letter stating the information on my credit report is fraudulent and not related to any transaction authorized by me. 

Accounts included : - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX ( previously determined to be fraud in XXXX XXXX XXXX Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

These letters were received by each credit reporting agency by Monday, XXXX XXXX, XXXX via USPS Flat Rate with Tracking. 

It has exceeded the four ( 4 ) days allowed to block and remove the identified information from my credit report, and it has not been blocked. 

In addition, XXXX account determined to be fraudulent and removed from my credit report in XXXX XXXX are now showing up on my credit report again over the past two weeks. Once an account is determined to be fraudulent, it should be blocked from my credit report unless written notice is provided by the credit reporting agency and creditor that the account has been found valid and accurate accompanied by account verification documentation. This notice and information was not provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint: I OPENED CAPITAL ONE CARD IN 2011, IT IS A PREPAID ACCOUNT. I GAVE THEM UP FRONT {$300.00}, IN EXCHANGE FOR XXXX CREDIT LIMIT CREDIT CARD. AFTER XXXX XXXX, I MADE A PAYMENT ONLINE THAT WAS NOT PAID BY BANK. WHICH CAUSED MY CARD TO GO OVER LIMIT BY {$300.00}. TODAY I CALLED TO MAKE A PAYMENT AND WAS TOLD CARD WAS CLOSED. I REQUESTED THAT THE {$300.00} DEPOSIT GET APPLIED SO I COULD PAY THE ADDITIONAL AMOUNT OWED. I WAS TOLD I ONLY PUT UP A {$50.00} DEPOSIT AND IT HAD BEEN APPLIED. 

I ASK TO SPEAK WITH A REPRESENTATIVE IN MANAGEMENT, AND WAS PUT ON HOLD FOR AN HOUR. PLEASE HELP SO I DO N'T GET XXXX OUT OF MY {$300.00} DEPOSIT.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Problems caused by my funds being low

Complaint: Over the past realationship with US BANK they have prevented me from making a deposit to pay for items that have not posted in anyway visible to me the day of only after the item ca n't be paid for via me can I see it they post during XXXX an XXXX and that 's not even banking hrs. 5 minutes after I get the notice in my online mobil banking ledger that would Be 5 min too late. I eat a {$36.00} FEE that was charged the next day??? YES! They are not consumer friendly they want there fees and refuse to hear out the unreasonable bank tactics.

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 06/22/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: On the date of XX/XX/XXXX, I made a phone conference to customer service of Equifax and they told me that I did not have any record of me because all of my credit report mixed up with my sister and my sister has same First name and Last name, but different Middle name, different social security number and different date of birth. Therefore, they asked me to fax the copy of my ID and SSN. On the next day, I faxed all of my documents to them. However, I checked with them after three weeks later ( XX/XX/XXXX ) and they told me that they did n't receive it so they asked me to fax it again and check back after 48 hours. On XXXX, I checked back with them again, they said they still did n't get it and asked me to fax again with another fax numbers. Then they asked me to check back after 48 hours again. On XX/XX/XXXX, I called them again and then they told me that they did n't receive it and ask me to fax it again. On the same day, I mailed my document with express mail. On XX/XX/XXXX, I checked back with them, they said they did n't get my fax and they also told me that they need 7-10 business days to find my mail. Equifax is the only one Credit Union that did n't have my credit report. XXXX and XXXX both had my credit report and did not mix up my report with my sister. I really wonder how Equifax solve the problem of customers because they prefer customer to fax the document to them, but they never get the information from the fax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a XXXX XXXX Credit Card online acct. That provides a FICO Score and Summary through TransUnion. My Fico Score shows XXXX with description : " Lack Of Recent Installment Loan Information '' Their is " Insufficient Activity '' information about your " Installment Loans '' FYI : I do not have any Installment Loans.. 
In XX/XX/XXXX I had a personal loan but I paid this acct off and closed the acct in XX/XX/XXXX. It is Inactive. 
I would assume My Fico/TransUnion would have that documentation in there Data Files. Why would Lenders be interested in a closed/paid acct with no activityI have XXXX credit cards XXXX closed..XXXX openThank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing/Cancelling account

Complaint: I have had a Bank of America credit card for over 13 years ( taken over from many more years prior with MBNA ). This card has a fixed rate of 5.9 % that originated from before Bank of America acquired the card. Over time I had acquired a number of rewards points as well which were unused. I have historically had a very good use and payment history. Recently I paid down the card to what I thought was a {$0.00} balance. I attempted to use it recently and it was " declined '' causing me embarrassment and inconvenience. I called customer service and after a 30 minute wait was told the card was closed. I did not ask the card be closed. I was told the reason for closure was a " business decision ''. I was also told there had been an approximately {$29.00} balance on the card for the previous 2 mknths that I had not paid. I never received a bill for the balance nor did anyone contact me via telephone. Because I thought the account was paid off I did not expect to get any billing statements and thought nothing of it. Given my extensive history and good relationship I would have at least expected some sort of contact, even a letter, none of which I received. I believe in fact that Bank of America was looking for a way to get out of a low and fixed rate contract which they would never offer to other clients and made a " business decision '' to close it in violation of the contract ( and keeping me from knowing of the outstanding balance to ensure they had a " reason '' to close it ). They have denied me my reward points and use of a favorable credit card all for their own benefit. I believe the account should be reinstated with the same terms and conditions. Lost money listed is my estimate of the rewards points value. XXXX exact value.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with QUICKEN LOANS, INC. (ME).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX I paid {$190.00} in escrow shortage to keep my monthly payment unchanged. It was applied to my principle instead, which I discovered on XX/XX/XXXX when the lender demanded I pay more each month to cover the shortage. On XX/XX/XXXX, I spoke to a Sr. Resolution Specialist who promised to fix the error in 5-7 business days. On XX/XX/XXXX, I got a call from the lender 's collection department. A check of my account showed that I was nearly {$3000.00} in arrears! I have never been late with a payment in the almost 3 years I have had the mortgage. I could also see that I was being charged {$37.00} for advances and fees. Since then, I have spoken or chatted online with 7 other people, all of whom are polite and apologetic and promise that 1 ) my account is being worked on, 2 ) I am not in arrears, 3 ) the {$37.00} is being removed, and 4 ) my credit will not be affected by this. On XX/XX/XXXX, the lender reported me to the credit agencies and my score has been reduced from XXXX ( excellent ) to XXXX ( fair ). This week, I have received 2 notices, one offering a " payment reduction '' so I can get " caught up '' and the other threatening foreclosure. I can not get the lender to fix my account. They promise everything and deliver nothing. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Payday loan debt) with CNG FINANCIAL CORPORATION (MO).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: I,  XXXX   XXXX , took out an installment/payday loan at the Check 'N Go location at  XXXX   XXXX   XXXX ,  XXXX   XXXX , MO  XXXX  in  XXXX    XXXX  . The hours where I work got cut down, and I have been having difficulty paying the payments. This company began calling the place I work,  XXXX   XXXX , on days I was not at work, and my manager asked them to stop. Then today,  XXXX / XXXX /  XXXX   they called again, and I told them that I was not allowed to receive phone calls here. I am actually not even employed by  XXXX   XXXX , I am a temp worker through  XXXX   XXXX   XXXX . I finally had to hang up on the lady,  XXXX . Then another person from Check 'N Go called back almost immediately. I told the man again, that I can not receive personal calls at work, and not to call again. They immediately called over and over while my manager told them to stop each time. They told her that they could call whenever they wanted, and would keep calling. She tried reporting this to the corporate office, so far with no results. I may very likely lose my job over this. Please help me.     Sincerely,  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MO  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: FHA Loan-short sale, FHA requires that I am late on my mortgage payment to be considered for a short sale. 
Due to medical issues, job change and increase in expenses ( due to medical issues ) our family experienced a hardship and was forced to be late on mortgage payment please see attached FHA bulletin stating it is a requirement to be late on my mortgage payment. I am unable to secure a loan now when my family is more financially more viable. I am being discriminated against due to a government requirement to be late on a. It is imperative we are able to secure a new loan to move forward with our lives and maintain a standard of living after going through a hardship.

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 05-12-2016 about Student loan (Federal student loan servicing) with ACS Education Services (MS).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My loan was paid off by a servicing company, ACS. I applied for a military deferment as to not accrue interest. I submitted all of my paperwork with my XXXX as well as proof of XXXX XXXX XXXX. The deferment was denied and they will not uphold their own policy. When I tried to speak with them about it, they told me to call the Department of Education. The DoE stated they have no bearing on deferments. When I called back and asked to speak to a manager, the representative gave me a last name and stated I do n't know any supervisor 's first name. I told her that 's impossible for her to not know her supervisor 's first name. I asked for her name and she refused to give me her full name as well. She told me the application was denied because my order did n't say war on my XXXX. I told her that no one 's XXXX say war as we are not in any major wars right now and the operation that we fight in can not be printed on any electronic documentation. But my XXXX stated that I was in support of an operation. They have the Department of the XXXX XXXX as the heading and it says I went to XXXX. She then went on to tell me that it does n't state what you did in XXXX. I told her ma'am, that information is classified and no orders state this either. They will not uphold their own policy and guidelines. She then went on to say well, we can put you in forebarence so you will still accrue interest. She still could not explain to me how I do not qualify for a deferment and their policy states any XXXX XXXX member in support of a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I was denied a checking account when I recently moved here to Texas because of incorrect information on my Chexsystems record. I was not aware of this information and it is also extremely old aside from being blatantly wrong.

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 10/20/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: My bank Wells Fargo Bank offers an " Alerting '' service on my accounts. I opt to get notified via email and text message for overdrafts. The message is titled " Overdraft Protection Advance Notice ''. That implies that I will be notified in advance and I will have the opportunity to correct my balance in order to avoid overdraft fees. However, those " alerts '' are only sent the day after the charges are actually charged to my accounts. This is blatantly deceptive and should result in a class action law suit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/15/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I dispute this being on mycredit report, due to I wasmiss lead at the time thishappen. They lied to meand have treated meunfairly ever since. I triedto make payments andthey were charging memore interest than Icould pay. In 2011 I fileda complaint with XXXX XXXX Complaint # XXXX. Please removethis from my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have filed a dispute previously and received communication from the company, however, my initial concern, that I did NOT receive notification from company '' prior to this being placed was not discussed in their responds to my dispute. I have not received any calls or voice mails from this company and the letter that they provided never reached me, the address that is on the letter that they have attached to my previous dispute is not a valid address for me, I have also had my mail forwarded so had they placed a correct address, I would probably have received it and would have been able to deal with this accordingly. AGAIN, the address listed on the letter that the company provided on my last dispute, IS NOT a valid address, there is NO LOT number on it, therefor it must not have been placed into a mailbox or forwarded to me. Also I had disputed with the initial company When I vacated the premises concerning the owed rent. I have NOT received any information from them concerning ANY type of fees. How am I supposed to receive ANY information, if THEY have listed an incorrect address. Therefor, I am once again requesting that this be removed from my credit report and that if there is something truly owed, that I be provided with an itemized statement of what is owed so that I can review and either dispute charges or make payment arrangements if I feel that the charges are accurate. I am not trying to get out of my obligation if there is truly an obligation, however, I am requesting that this be removed from my credit as I have never received anything from either company due to their error in placing the correct address and that the process starts fresh with them sending me the itemized list of charges owed. 

I am attaching a copy of the letter that was provided to me with my last dispute that reflects that this is not a correct address.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no idea why this debt is being collected on a bill that was from an alleged traffic ticked from 1999. Not only do I not owe it, but it is from more than 17 years ago and the statute of limitations has passed. Not only is there no evidence or proof that I owe it, they refuse to acknowledge that they can not collect it and they refuse to stop sending me letters to my work and home when I have told them not to call my work phone and cell phone. I do n't have a home phone and therefore they refuse to stop. I just want them to stop contacting and threatening a civil action on my phone and telling me I could get XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Credit inquiries unknow thief incorrect important information

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