milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-11-2016 about Bank account or service (Other bank product/service) with ALLY FINANCIAL INC. (MN).
Issue: Account opening, closing, or management

Complaint: I have a hard inquiry on my credit report that I did not authorize. I did send them a letter but it came back undeliverable.

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 08/27/2017 about Debt collection (I do not know) with NCB MANAGEMENT SERVICES INC (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt is being reported by the credit bureaus as being owed by me. I have sent two letters - XXXX/XXXX/XXXX and XXXX/XXXX/XXXX - to this collection agency requesting verification that the debt ( {$3000.00} ) is mine, including my signature agreeing to this debt. This collection agency responded to the first letter saying, but not providing proof, that this is my debt. The second letter has not been responded to. I am requesting that since they can not provided indisputable proof ( my signature ) that this account be removed from my credit reports and that this collection agency cease and desist from trying to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2015 about Credit card () with TD BANK US HOLDING COMPANY (MD).
Issue: Billing disputes

Complaint: Target Card did not process an electronic payment of the full balance properly. Thereafter, they assessed fees and interest to the account. I paid {$50.00} to avoid further fees and interest, which was accepted. Thereafter, I attempted to pay the full balance again only to be rejected again. This failure on Target 's part has also resulted in " returned payment fees. '' There is no trouble with my bank account, which has the money with which to pay. The issue is with Target failing to properly accept my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We had our home loan servicing transferred from XXXX XXXX Mortgage to PennyMac effective XXXX XXXX, 2015. 
We paid our mortgage of {$2600.00} to PennyMac and they acknowledge it. When I go to their " new '' website, the only have applied the Principle and Interest totalling {$1700.00}. The balance of {$890.00} which should be applied to escrow is missing. When I contact PennyMac I get to a call center in Texas who tells me it is there, although on their website it shows zero. When I ask for documentation they say they do not have E-Mail ( Really, in 2015??? ) and can only send a snail mail letter. My complaint is that there is no one and no way to contact anyone at PennyMac to discuss this. I tried to reach their office in XXXX Ca and I am transferred back to the Texas Call Center.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I have been a loyal customer with Chase bank for a number of years. After making a series of purchases that I had the funds for according to my available balance, I was charged three {$35.00} dollar overdraft fees when the merchants charged the money several days later. In one instance a bill I paid on XXXX/XXXX/XXXX did not get taken out until XXXX/XXXX/XXXX. I know that other banks such as XXXX have been sued on the grounds of accumulating charges in order to assess more overdraft fees and this may in fact be a similar case. 

When explaining the misleading available balance and my frustration with the excessive {$100.00} dollars in overdraft fees, the representatives called me a valued customer although there was nothing that could be done by the first respresentative. I explained that I understand if all three cant be reversed but at least two or at least one would have made the burden a little less.

I waited nearly 30 minutes to speak with a supervisor who quickly informed me of my value but there was also nothing she could do about the charges. When asked how am I a valued customer when there was nothing that could be done, the representative changed the subject and restated there was nothing that could be done. I would appreciate someone looking into the matter and I am happy to bring relevant charges against the bank institution for their financial misrepresentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/31/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Item purchased : XXXX XXXX XXXX XXXX Camera + 18-135mm USM + 70-300 USM + 50mm 1.8 II- SAVE BIG Date : XX/XX/2017 On the above date, I placed a {$1600.00} purchase for the items above and upon its arrival, I realized that the order was missing the camera but however beared most to all of the accessories. Thus, I contacted XXXX immediately with hope that they would have been able to resolve the issue at hand and was asked to file a police a report. I filed the police report and received confirmation that they had received the report. After weeks of waiting for a resolution, I decided to dispute the charge with Chase. I was issued a temporary credit and was educated that they would investigate and make a final decision on the temporary credit at a later date. XXXX,2017, the temporary credit was reversed because per chase the merchant provided proof of delivery and that I did not provide the requested police report to the merchant when asked. Two things have confuses me throughout the entire so called chase investigation of the chargeback ; I was never asked to provide any proof that I did file and send the police report, and the fact that they made their decision solely after the seller provided to them proof of delivery when the original claim was not about the item being delivered or not because the item was indeed delivered but instead of all the ordered being in the box only partial of the order was fulfilled.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Debt collection (Medical) with Senex Services Corp. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Financial aid through the hospital forgave account balances in full. Removal of owed debts are now XXXX balance. Senex Services Corporation have failed to respond to my notices regarding removal of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit card or prepaid card (General-purpose prepaid card) with Empowerment Ventures, LLC (TX).
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint: UniRush prepaid card I have been fighting over 2 weeks to have my pay check released from RushCard ( deposited XXXX/XXXX/XXXX ). The run around you get going through management is unethical behavior for any business. I sent statements with my signature as requested, I was told on many different conversations with management that my check would be released over night, and it has been two weeks and still no check!! The unethical behavior is holding a check for the return interest the company receives on the money while the customer suffers with the results of GOOD FAITH/BAD FAITH POLICIES. 


Another response I made to RUSH card a few days after the 1st statement above. 


I am aware of the deposit amount that I ca n't seem to gain access to after 2 weeks of waiting for a canceled dispute. I have been waiting for a suspension on my account to be removed. The Disputes dept. refuses to release my funds even though they have received all requested documents from my husband XXXX. I am about to lose my car because I ca n't use my account. I have been told everyday for the last 2 weeks that it will take an additional 24-48 hours before resolution. It is not fair that I have been with your company since XXXX and this is how you treat a loyal customer. I am not able to sleep which is starting to affect my ability to work or function for that matter when your sitting up all night waiting for a Tow Truck to come and take your property simply because my card company ca n't close out a case that has been ESCALATED EVERY OTHER DAY!

Company response to consumer: Untimely response
Consumer complaint received 12-10-2016 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Identity theft in XX/XX/XXXX/XX/XX/XXXX when I was XXXX produced an account which a debt collector is attempting to obtain a judgement on in court

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Settlement process and costs

Complaint: Bank of America has been in the process of foreclosing on my home for 7 years and the previous bank foreclosed on the property XX/XX/XXXX. Bank of America has acknowledged the prior lenders foreclosure as of XX/XX/XXXX. Bank of America has removed the mortgage trade line that has showed lates on my credit for 7 years, however the title to the property is still showing in my name with the XXXX County Assessors office.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My Mastercard with USAA was compromised, and I was a victim of Identity theft. I was checking online for a statement since I did not receive one for the current month and there were many charges from XXXX listed. I never made ANY of these charges, and my concern is why did n't the USAA Fraud / Security department alert me to these charges. I have had the Mastercard since XX/XX/XXXX, and have NEVER purchased anything thru XXXX. The first charge was on XXXX XXXX, XXXX and continued thru XXXX XXXX, XXXX. There were XXXX charges to XXXX XXXX, totaling over {$9000.00}!!! When I called USAA, all I got was : " gee, I 'm sorry. I do n't know how that could have happened. You must have fallen thru the cracks! '' How can I have confidence in a company that does not monitor accounts? All but XXXX of the charges have been credited, the account was closed and I have received a new card. But there are XXXX remaining charges from the same XXXX XXXX, totaling {$1400.00}. I have tried 4 times to get someone from USAA Fraud/Security to correct these charges. First on XXXX XXXX, then on XXXX XXXX, then on XXXX XXXX, and finally today on XXXX XXXX. After being " On hold '' for 20 minutes each time, I spoke to a rather incompetent agent who merely said " Wow, there 's alot of charges and credits. I 'm sure it will be fine. '' I still have {$1400.00} outstanding that I did not charge. He did n't know what to do, so I asked to speak to a supervisor. After being " On hold '' again for about 7 minutes, he said he 'll take care of it. What?? I want to speak to a Supervisor. He said they 're too busy now and will call back. That was 4 hours ago. I am very upset and frustrated with USAA, who portrays itself as an aid to military- ( my husband and daughter are military. ) The fact that this happened in the first place is very upsetting, but the fact that USAA is not trying to resolve this is more concerning!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/25/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: the Sallie Mae web site is difficult to make online payments. The loan account numbers do not all show up in loan summary. I have to click on other loans to have them appear. Then the previous loans disappear. This site is difficult for me, and I have had too may years of experience with student loans. My last month payment was reversed, I did n't reverse it, the bank did n't and Sallie Mae did n't either. But, I paid a late fee because of it!! HELP!!! I fear that when my son graduates in XXXX, the site will be difficult for him and could result in loan default. PLEASE help fix this mess. I dislike having to work with these private loan companies. Then, trying to get an answer from customer service is exhausting. I asked to speak to a supervisor and was put on hold for 30 minutes. I HUNG UP! I have better things to do with my time.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I wanted to receive my free annual credit report online. Went to annualcreditreport.com and chose TransUnion as the company to receive my report from. This transferred my request to the TransUnion website where I could only get my report by PAYING {$1.00} for the report and score. {$1.00} is not much but I do not want to give out my credit card information as it has been compromised several times, so I could not use the website. Called TransUnion customer service. They said I could use the phone service ( having to give my Social Security number over a cell phone, not secure either ), or write. If TransUnion will not give the free annual credit report online, then that should be noted via annualcreditreport.com. I believe TransUnion is making it difficult to get a free credit report on purpose. Please investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hello I am wondering why my Kohls and Cabelas account show up as Derogatory information on my credit report. My Kohls card I use and pay off so I do n't know why they should harm my credit score. My Cabelas account should be closed, I do n't even have a card for it anymore. I called Cabelas the  first week in XXXX 2017 and asked them if I still had an open account with them, I gave them all my information and they told me that they had no account with that information anymore. So I took that as my account was closed and no longer active. That should not be harming my credit score. I have no balance, I have had no late payments, nothing. Can  you please help me get these off my account as something bad. Yes I have a lot of student loans, but I pay them. I do n't need an account I do n't even have harming my score for the future. Please help. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (I do not know) with Meade Recovery Services, LLC (UT).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Meade Recovery Services has been sent XXXX requests in written correspondence to the address they themselves provided. XXXX requests for validation of the amount reporting on my credit report of XXXX have been sent via certified mail, both of which they refused to respond to. I have attached XXXX request sent certified mail on XX/XX/XXXX, as well as a cease and desist notice when they failed to respond. In order to validate this " account '' and the balance reported as owed, Meade Recovery Services violated my legal right by failing to provide me any documentation whatsoever, which has been requested in writing twice since XX/XX/XXXX. I provided updated contact information to hopefully help facilitate getting the documentation I needed to be able to know what this account was, and dispute it if appropriate. Meade Recovery Services violated FDCPA regulations by 1 ) failing to provide documents to validate, including date of service or services provided, and 2 ) by continuing to collect or threaten legal action if it 's not resolved without first providing the validation as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I wrote Experian by certified mail on XX/XX/XXXX for at least the XXXX time, regarding the erroneously reporting of an item from XXXX XXXX Bank XXXX Acct. # XXXX ). I have made NUMEROUS attempts to resolve this issue with Experian but to no avail. In my letter I sent them all the documentation that I have from XXXX XXXX 's credit protection program showing where this bill was paid by XXXX credit protection in XX/XX/XXXX. I purchased the protection from XXXX XXXX which covered payment of the account balance due to my becoming XXXX which occurred during my protection plan period. Today, I received a letter ( XX/XX/XXXX ) stating that the information had been " updated ''. I obtained a current copy of my credit report from Experian that shows no changes were made. This information is incorrect and damaging my ability to obtain credit. I do n't know what else to do but to turn to the FTC for help. Please help me in getting this erroneous information removed from my credit report. Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My father passed away in XX/XX/XXXX. He owned a house whose mortgage had been sold XXXX times in XXXX years. The final mortgage holder was Ocwen Loan Servicing , LLC . The mortgage was upside down, so we decided to let the house foreclose. Through our estate lawyer, we requested a deed in lieu of foreclosure in XX/XX/XXXX. Since then, I have recieved monthly bills and calls until XX/XX/XXXX when they finally sent the paperwork to do the deed in lieu. I signed it in the presence of my lawyer and witnesses. My lawyer XXXX it to Ocwen in the envelope they provided. During all that time, my sisters and I received at least XXXX letters and XXXX or more registered letters about paying the mortgage. There was not enough money in my father 's estate to do so. I told Ocwen that at least XXXX times on the phone and more times in letters from my lawyer. In XX/XX/XXXX, I got a letter requesting that I purchase hazard insurance for the property. My lawyer sent them a copy of the signed deed in lieu papers and reminded them that I do not own the property anymore. The property was vacated in XX/XX/XXXX and Ocwen did an inspection and changed the locks in XX/XX/XXXX. Today I received another notice about purchasing hazard insurance. 

No matter what we do, they keep trying to get me to do something with this property. Also, my lawyer has requested a final statement from them, so that I can close out the estate account and pay a few other bills that ca n't be paid until Ocwen gives me the final statement. They have ignored this request. How do I get this matter closed? I keep having to pick up registered letters and pay lawyer fees for letters to Ocwen, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I moved out of my apartment XXXX/XXXX/XXXX and in XXXX I received a bill from a debt collector requesting payment of {$350.00} from XXXX XXXX XXXX stating that the XXXX & XXXX disconnect date was XXXX/XXXX/XXXX at the same location that I had moved from. I had never received any bills attempting to collect from XXXX & XXXX in three years until I received this collections bill in XXXX. I contacted the collections agency and advised that I turned my service off with XXXX XXXX XXXX on XXXX/XXXX/XXXX, they advised me to get proof that I had moved, I got the proof from the leasing property management that shows the date I moved and mailed it to the collections agency. I called one week later to verify that they had received the document and they advised me that XXXX XXXX XXXX still wanted them to collect and to keep it as a valid debt due. I called XXXX & XXXX and was told that they do not accept proof such as a letter from the leasing company documenting that I had moved. I asked them to pull the record of the call where they were to disconnect the service and I was advised that they could but most likely would not do it. Even with proof that I was not residing at the apartment, they refuse to help me and are attempting to collect a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (I do not know) with Strategic Alliances, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: received a letter from XXXX XXXX XXXX XXXX concerning a debt from XXXX XXXX XXXX for XXXX i spoke to them on 3 occasions concerning the issue. i informed them that this was do to fraudulent transactions. the debt collector was only concerned with getting a settlement of XXXX regardless of the issue. i also asked them for everything they had from XXXX XXXX but received nothing from them. they have ignored my request to dispute this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (MI).
Issue: Account opening, closing, or management

Complaint: I filed bankruptcy back in 2013 and the check system is showing that I owe on some checks that were taken care of in my bankruptcy

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing statement

Complaint: Contacted customer service that my statement does not contain a Minimum payment warning table that shows how long it will take to pay off the balance making only minimum payments, as well as the payment amount required to pay off the balance in 36 months. They stated they are not required to provide any such 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