milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-09-2015 about Bank account or service ((CD) Certificate of deposit) with SYNCHRONY FINANCIAL (MA).
Issue: Deposits and withdrawals

Complaint: In XXXXXX/XX/XXXX I purchased a 12-month Certificate of Deposit for {$250000.00} from Synchrony Bank ( then called GE Capital Bank ) from money which came from the sale of our house, which would be needed in XXXX, XX/XX/XXXX to pay the large capital gains tax on the house. I sent instructions to Synchrony Bank to immediately transfer the money when the CD was mature to my checking account at XXXX XXXX XXXX, and I provided them with a voided check with the bank routing number and my account number at XXXX XXXX XXXX. Synchrony Bank sent the money with an incorrect account number to XXXX XXXX XXXX on XXXX XXXX ( this bank error was acknowledged by the supervisor at Synchrony Bank, XXXX XXXX, telephone XXXX XXXX XXXX extension XXXX ). The money was returned by XXXX XXXX XXXX XXXX Synchrony Bank on XXXX XXXX because of the incorrect account number. Synchrony Bank, through XXXX XXXX, acknowledges receiving the money on XXXX XXXX but as of now, over XXXX hours later they " can not find '' the money ( the amount missing is {$250000.00} ) and it has neither been returned to my account nor sent to the correct account at XXXX XXXX XXXX. Numerous phone calls to XXXX have been met with the claim that they do n't know what happened to my money, that they are working on it, and that there is no one I can talk to at the bank who can solve the problem. It is now likely that I will not be able to pay my income taxes next week and will thus incur significant interest and penalties on the tax owed ( over {$200000.00} ). I am now retired and have minimal income and no other way to raise this money. I have been treated very poorly by Synchrony Bank both in their incompetence in using an incorrect account number and in their alleged inability to fix the problem or to find my money even though they acknowledge it is somewhere in their own bank system. This amounts to negligence, incompetence, and possibly fraud and will have a materially harmful effect on my wife and me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Not reporting positive Credit Card Payments.

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 08/19/2016 about Bank account or service (Checking account) with U.S. BANCORP (OH).
Issue: Problems caused by my funds being low

Complaint: In XXXX 2016, I called US Bank regarding checking account. I asked them to stop all automatic withdrawal 's going into this account. I spent over a 1 and 1/2 hours on the phone with a representative who assured me all auto drafts were stopped. In XXXX and XXXX 2016, somehow I was again hit with payments from companies that I did not authorize. When I called and spoke with the representative I was told that I never called in and they could not do anything. I have made payments on the account to get the overdraft taken care of but US Bank has been adding interest and late fees to an account that supposedly has charged off or is closed. At this point, I am confused because now ( XXXX/XXXX/2016 ) I received a statement that has minimum payments of $ XXXX/mo due on the XXXX XXXX and I can rack up late charges if I do n't comply! When the account was closed it was {$350.00}. Today, the bill I have in my hands says I owe a whooping {$880.00} for a checking account and my statement says if I do n't pay by XXXX XXXX, 2016 I will get a {$20.00} late fee. How is this possible a bank can keep adding charges to a checking account that should have been closed? How long can a bank add unnecessary fees to this account trying to bleed money from me? I am willing to pay the {$350.00} ( personally, I should NOT have to pay a dime since I requested stop payment on this account before these charges were even added ) but anything more that than is absurd. They company is unreasonable and I hope that someone in your office can help 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 explanation
Consumer complaint received 09-12-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have never done business with this company and do not have a contract with them and never will I want this account to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have two ( 2 ) tax liens listed on my credit file ( s ) with TransUnion and XXXX that DO NOT MEET the Enhanced Phase 2 ( PII ) Personally Identifiable Information standards for Public Records Reporting. These PII standards as outlined by NCAP and available publicly on the CRA 's websites, specifically TransUnion 's own site states that Public Records MUST Include : Full Name, Address, Social Security Number and/or Date of Birth. I have filed disputes with both TransUnion & XXXX and included documentation showing that these tax liens do not meet the PII standards and must be removed immediately from my files with them. The disputes came back as " Verified ''??? The " Official '' Copies of the tax liens : DO NOT provide my FULL NAME, DO NOT provide my FULL SOCIAL SECURITY NUMBER, DO NOT provide A CORRECT ADDRESS and DO NOT provide my DATE OF BIRTH. Since the records DO NOT PROVIDE THIS DATA they must be removed from my credit file ( s ) with TransUnion and 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 02/22/2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (TX).
Issue: Managing the loan or lease

Complaint: I have a loan with Chase Auto Loan for a XXXX XXXX XXXX. However, on Thursday, XXXX XXXX, XXXX. I was contacted by a Vendor of Chase Auto Loans at phone number XXXX on three occassions XXXX, XXXX, XXXX hours. which, I dismissed all calls because no messages were left on my phone. I felt that they were telemarketer calls. At XXXX I received a text message from my ex-husband ( after 11 years of divorce ) stating that he had received a call from a lady, named XXXX who claimed to be a skip tracer on the details of the repossession of my XXXX XXXX XXXX, she violated my privacy. She told him that he was XXXX of my references on the loan and that my son was a co-signer both statements were untrue. It digusts me that she would tell such blatant lies. 
He then got in touch with me and told me what he was told. My ex-husband is a XXXX XXXX and will assist in pursuing a resolution to Violation of Privacy matter. The vehicle is no longer in reposession status. 
I have serious reservations that anyone who chooses to can violate someones privacy without any concious for doing the wrong thing. I feel if this was done to me, it 's happening to many others who never file claims.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: no contract with this company! I do n't not owe them

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Vehicle loan or lease (Loan) with FC HoldCo LLC (PA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: My car note was recently acquired by  Flagship Credit Acceptance  from  XXXX   XXXX . As I 've done with  XXXX   XXXX , I set up auto pay for my loan, over paying weekly in excess of the monthly payment. Everyday, EVERY SINGLE DAY, no less  than 6-8 ( SIX TO EIGHT! ) times a day, Flagship calls to collect  money I do not owe! Flagship sends me emails weekly to acknowledge the deductions yet they harass my family and me by endlessly calling our home phone as well as my cell. I 've attempted to block these harassing calls but they keep calling from different numbers ; either a  XXXX ,  XXXX ,  XXXX  or  XXXX . This has to stop! I AM NOT BEHIND IN MY PAYMENTS! As a matter of fact, I am OVERPAID.

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 04/15/2015 about Payday loan () with QUICKEN LOANS, INC. (NV).
Issue: Can't contact lender

Complaint: Quicken Loans obtained XXXX ( XXXX ) HARD Inquires from XXXX and XXXX Credit Reports Bureaus without my written consent ; consequently, these XXXX hard inquires lowered my credit score for future financial assistance. 

Quicken Loans XXXX Customer Services representatives XXXX XXXX ( XXXX ) XXXX XXXX and XXXX XXXX XXXX XXXX ) XXXX Ignored my request to REMOVE their Quicken Loans name from my XXXX and XXXX credit report files.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Ongoing saga of fraud malice and deceit from verizon. MY 1st complaint exposure of there sloppy deceptive ( commonplace ) practices starts in XXXX 2015, to you and FCC. These clowns have fraudulently used my personal information to create, harass, insult my intelligence. This putrid company of lying thieves, proclaims I owe ( XXXX ) balances!!!!! There is ( XXXX ) outrageous XXXX and deception in my credit files, with this derelicts at experian and transunion. Equifax is the only one using XXXX, can see this is duplicated fraud and harassment. These putrid lying thieves at verizon claim I owe them {$320.00} and {$980.00}?! # Idiots deceived XXXX collection agencies to come at me with a bill for {$980.00}. NOW this ( ruse ) to harass and deceive ( XXXX ) accounts. OUTRAGEOUS, when has ( any ) creditor claimed XXXX seperate balances, same account/complaint of deceptive billing practices to mask there worthless excuse for ripping off ( OVER ) XXXX from there own customers. I do n't owe verizon anything, they lied cheated me with there fraudulent ( cramming ) overcharges cryptic balance forward billing deceptions. Example I checked my statements these thieves claimed they gave me my proper credit for a deceptive billing for {$170.00} pre-charging early termination fee, for trying out a ( worthless ) un-saleable product, there google tablet, Other charges column, these XXXX recharged me the ( SAME ) {$170.00} pre-charged early termination fee. This is why I am fed up with this XXXX company. 7 years of aggravation, manipulated, confused billing.

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 01-12-2016 about Bank account or service (Savings account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I opened a citibank saving account, because there was a {$25.00} promotion around XX/XX/XXXX or XX/XX/XXXX. I contacted citibank many times and it seems citibank does n't want to honor this promotion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/14/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: To whom it may concern, I attended XXXX XXXX University from XXXX XXXX XXXX XXXX. I had taken out a loan with XXXX XXXX, who became Navient, so that I could finish my XXXX academic year. I began to repay the loan while serving in the XXXX ( XXXX XXXX ) for four years. Once I separated from XXXX XXXX I checked my balance and it had gone up from the moment that I began payments during my XXXX XXXX term from XXXX XXXX, XXXX XXXX XXXX. The interest rate that I was being charged was above what an XXXX XXXX military member should be charged, and I was not informed that my payments were not even covering interest ; which would result in my principal loan amount increasing even though I was making monthly payments for 4 consecutive years. If any additional information is required please contact me at : XXXX or at my cell : XXXX XXXX XXXX XXXX. Thank you for your time. Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Using a debit or ATM card

Complaint: Today, XX/XX/XXXX, I attempted to use my Wells Fargo debit card at a XXXX grocery store located in XXXX, Texas. I had successfully used my card about a hour before at XXXX located in the same strip mall. In an attempt to pay for my groceries, I swiped my debit card. I was told the transaction was not authorized. Despite the fact, I had well over the amount in the account ( even after the previous XXXX purchase ). The check out person suggested that I try again, which I did. XXXX again, the transaction would not authorize. So, I used a debit card from another bank, which did go through. 
When I called Wells Fargo, to inquire what happened, their explanation was that they were concerned that I had been to XXXX previous to using my card at XXXX. So, without a text to my cell or a call, they blocked my card. In response, I explained how I was at check out with a cart full of groceries, not knowing why the card was blocked. The Wells Fargo rep again, just repeated that it was because I had shopped at XXXX previous. Is this something that they do to all of their customer 's accounts? My husband and I have been Wells Fargo customers since XX/XX/XXXX, why the hyper diligence regarding me using my debit card? 
In addition, before the customer service rep would speak with me, she required me to give my XXXX Wells Fargo credit card identification info! The credit card is not linked to the debit card 's checking account. It is an entirely separate account. She asked for this info even after I gave her the identification info regarding the debit card account, as well as the last XXXX digits of my social security number. 
Should I assume that for some reason I was deemed a person of suspicion? How do I know if and when my card will be subjectively blocked? I understand Wells Fargo, like many banks, take fraud related measures to protect accounts, but if Wells Fargo wish for its customers not to shop at XXXX using their debit card, they need to make a public statement. Otherwise, they position themselves as having final say as to where I can spend MY money. 
I would really appreciate an explanation as to their reasoning and if this type of action is within their legal rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (HI).
Issue: Problems caused by my funds being low

Complaint: My Credit Card Payment was drafted from my Savings account, not my Checking account resulting in XXXX {$35.00} overdraft fee and XXXX {$35.00} returned item fee. I called Wells Fargo on XXXX/XXXX/2016 and they said the best they could do was refund 75 % of the fees, and i would have to call the credit card department and get them to authorize 100 % of the fees to be reversed. I said i did n't have time to be transferred at this moment because i was at work and would take the 75 % until i could call the credit card department. I called the Credit card department today and they refunded me there {$27.00} returned payment fee and informed me that they could n't authorize my saving account to be refunded at 100 %. I got transferred back to the savings department that informed me i had already been refunded all i was allowed. I told them I was suppose to have 75 % of both {$35.00} dollar fees reversed, but they reversed 75 % of XXXX fee and 50 % of the other. I asked if i could just get 75 % of both as i was promised and they refused. I asked to speak with a supervisor and the Wells Fargo Representative said they couldnt refund anything more because i had already accepted the partial refund. I believe the whole cause of the overdraft was bank era and i have proof that my savings from the last 6 months was never drafted for my credit card payment. thank you for hearing my complaint.

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 06/16/2016 about Debt collection (I do not know) with Prince Parker & Associates (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Prince Parker and Associates has been repeatedly calling me to collect a debt they allege is from XXXX XXXX XXXX. When pressed, they say they received the " file '' from XXXX XXXX XXXX in XXXX XXXX for a debt from XXXX! I am not an XXXX XXXX XXXX customer, but I was, and I was until later than XXXX. Any bill from XXXX should have come to my attention in XXXX, and at the very least I should have been informed when I discontinued service with XXXX XXXX XXXX, around XXXX or XXXX, I think. When asked why the first notice of this debt comes from a questionable collection agency 10 years post alleged debt -- they say " call XXXX XXXX XXXX. '' I therefore believe the debt is pure fiction, and that the collection efforts are a fraudulent attempt at nuisance money. Plus, XXXX XXXX XXXX should not be allowed to sell whatever spurious information they have that allows companies like Prince Parker to " defend '' their actions in pinning debt on people completely unconnected to the original 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 02/22/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Trouble during payment process

Complaint: This is in reference to complain No. XXXX. They continue lying about this issue. They want to talk about something is been talked for over 15 times. The only thing that are doing is gaining time and keep sending letters about dead lines I have to meet, when I requested communication on writing the denied it, they only thing write what is on their convenience, the rest is meaningless. I was a XXXX employee, now work for XXXX XXXX XXXX, and this time my hopes are in the Government since you are the only ones who have the power to stop to this madness. My only possession is this house I been paid for over 14 years and they want it either way.

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 03/20/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: XXXX filed a judgment on me that was not properly served to me. I own this company nothing. They are saying I owe them {$990.00}, which I do not. The judgment was not properly served by a HUMAN, I received this in the mail, never receiving any statement from the court system saying when my hearing was scheduled for, so I was not able to properly represent myself. This debt is absolute bull. I owe this company not one penny! They have harassed me, refusing to provide me with proof that I signed a document indicating I owed money to XXXX. This is absolute robbery and I am requesting something to done to these criminals for taking money from hardworking people to benefit their corrupt business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-07-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I looked over my credit report and I found errors. I sent a dispute letter asking them to investigate the errors along with a photo copy of my California Drivers License. They sent me a letter requesting a copy of my Social Security Card and many other documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: Credit bureau must provide physical verification of original signed contract, according to FCRA 609 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Debt collection (Other debt) with ERC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: 1. I called this company to find out what this mystery knick on my credit report was. They said I had an outstanding balance for XXXX XXXX XXXX from XXXX or XXXX. ( which means they are incorrectly reporting the time of this debt and it should already be expired and not subject to posting on my credit report ) 2. They did not have the correct address on file. ( I updated them on the phone call ) They had an apartment number that does not exist in my building. They had one number. Like XXXX XXXX XXXX. Every apartment in my building has 3 digits. example # XXXX or # XXXX. I have never received any mail regarding this debt and was completely unaware anyone was trying to collect it. If I had It never would have reached collections. 
3. XXXX XXXX is billing for return of equipment which was returned to their driver when they came in to set up a couple months later. I absolutely dispute the balance of this bill and had I known they were trying to collect it I may have fixed this inaccuracy years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Payday loan () with Big Picture Loans, LLC (ME).
Issue: Charged fees or interest I didn't expect

Complaint: I applied for and was Granted a " Big Picture '' payday loan. I was not however informed of the finance charges and fees associated with the loan until after I had " verbally & Electronically '' signed the document. I feel I should have been better informed of the trouble I was getting into. As the loan stands they 're going to charge me 866.2449 % int. fees, and Will end up paying back {$1400.00} on a {$300.00} loan.

Company response to consumer: Closed with explanation