milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/26/2018 about Checking or savings account (Checking account) with TCF NATIONAL BANK (MI).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: TCF was the bank that I had my small buisness account with for the last 4 years, they have recently went to online digital banking and so when I pull up my account to watch funds I see a running balance, that is not accurate, they hold funds and then they return checks even while the funds are there. They recently the week of XX/XX/XXXX thru XX/XX/XXXX paid and returned 90 percent of my payroll checks, even while having funds in there, I had employees say that they had the funds and then the money was taken away 4-5 days after the fact. It has cost me from TCF as well as abank charges that my employees incurred. The management at the bank could not even make sense of why there were so many returns, I think these banks are taking advantage of people. It saddens me, and I went and closed the account, but in the end over 4 years, they have cost me around 3000.00 in return fees, that there is no reason things should have been returned, there needs to be better laws on these instutitions. 

Shameful XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-07-2016 about Consumer Loan (Installment loan) with Resurgent Capital Services L.P. (TX).
Issue: Problems when you are unable to pay

Complaint: The debt documented in the Public Record, XXXX and owned by LVNV Funding LLC has been satisfied, Settled in Full. Documentation is attached. Credit report continues to show public records as unsatisfied and the lien has not been released.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Outrageous threatening vulgar calls, repeated from Cavalry regarding a debt that was purchased from XXXX. They called me on my cell, and at all hours, some times as late a XXXX. When asked to stop calling me they just continued. During a severe illness I gave them banking information to take payments before I realized what I had done and was able to research this account balance, found I did n't owe it and told them to cease taking money from my checking. But they continued to take my money after I told them to stop, that I did n't owe this debt. I sent notification in writing telling them to stop calling and stop debiting my checking account but they continued. After reconciliation I found they claimed I owed was paid off and I have proof of payment. I ended up having to close my checking account to stop them from fraudulently stealing my money. We are going to court and I hope the Judge at the very least dismisses this case and gives me a refund. They changed their name several times as well from Cavalry Collections to Cavalry SPV LLC to Cavalry SPC I LLC. The methods are less than circumspect they are vulgar, threatening and harassing and need to be investigated and stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received my " Experian '' credit report dated " XX/XX/2017 '' in the U.S. mail. On " Page 27 of 32 '' under " Record of Requests for Your Credit History '' in falsely is noted that " XXXX '' unlawfully accessed my credit report on XX/XX/2017. IThis is not mine. I am a victim of Identity Theft.

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 05-12-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On  XXXX  of this year, I sent for a free cream item and only had to pay shipping cost. So this offer had popped up in my email and i paid with my check card.The company of course had my name and address to send me the free product. It had also asked for my phone number. S o three w eeks later in  XXXX  the company charged my account with  XXXX . I did not sign up for this. So I called chase bank and told them what happened and they put the money back into my account. They, bank  manager ,  XXXX   XXXX  gave me a new check card and said it was a scam. So I thought the problem was resolved.  XXXX  also stated the farm out your information. So on  XXXX   XXXX   Chase b ank without my permission, did an unauthorized transaction to this same company for  XXXX . I went to the bank immediately and  XXXX  the bank  manager was th ere. I told him what had happened. He said the claims dept. would handle it, there was nothing he could do. Well I sat there for over an hour and got nowhere. Then when I got home I called the bank and no one would help me. They said the company sent them paperwork that said I had a membership, well I do n't and I finally got the paperwork this week. There is no signature, the papers are bogus, all they have is my name and address which they would since i got the free cream. No one will help me, I did n't authorize this transaction.This is stealing.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Debt collection (Medical debt) with Grant & Weber (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XXXX/XXXX/17 Grant & Weber XXXX XXXX threatened to damage my name and credit, then they falsely reported to the credit bureau damaging and attacking me and my wife 's credit even after I explain this was a derogatory account.

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 04-03-2017 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I requested Experian correct the status of a XXXX second mortgage account reflect " closed '' status, to be corrected to " paid as agreed status, '' accurate as of XX/XX/XXXX. 
XXXX reported a charge off " CO '' XX/XX/XXXX ; according to the XX/XX/XXXX attached Experian credit report, the account was scheduled to return to a positive status XX/XX/XXXX. A payoff settlement of $ 100 monthly for 5 years was paid as agreed. 
Now the creditor ( XXXX ) reported it charged off for the second time in XX/XX/XXXX, resulting in a second derogatory hit on my credit report. This charge off status was reported during short sale XX/XX/XXXX. 
See Experian report from XX/XX/XXXX reflecting the XX/XX/XXXX charge off previously, which already dropped credit score XXXX points 6 years ago. To do so twice is punitive, preventing those paying in good faith from recovering.

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 03/15/2017 about Credit reporting () with SANTANDER CONSUMER USA HOLDINGS INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. Two letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings. 
SANTANDER CONSUMER USA XX/XX/XXXX SANTANDER CONSUMER USA XX/XX/XXXX SANTANDER CONSUMER USA XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Vehicle loan or lease (Loan) with FORD MOTOR CREDIT CO. (MI).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: The prior week Ford Motor Credit and I made a verbal agreement to make a payment at the end of the month exact date tbd I was to call the following week and they would then administer an extension on to the end of the loan to bring the account on track. I was to call them with the exact date. They continued to call and bullied me and treated me less than professional, continuing to call, over and over again after out discussion. I stated that I was in the process of credit recovery and possible bankruptcy they continued to call me obsessively in a threatening manner, and then issued a repossession order and took my car. I 'm a Ford employee I work at a secured Ford facility all my information is readily available. I have had a 26 year good standing relationship with this branch of my company. I called Ford Credit and they gave me a number for the redemption center, which was incorrect. So I called back to obtain it again, and now nobody answers. Repetitive calls with no answer. Ford stonewalling to make things more costly and unpleasant for the consumer. Same on us, I have legitimate reasons and never have defaulted nor do I intend to, XXXX as my witness I will leave the United States of America if I do!

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Student loan (Non-federal student loan) with SOUTH CAROLINA STUDENT LOAN CORP. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: This is a written dispute regarding a previous credit card account that reported me 30-days past due for one month 's charges. My recent credit bureau score report labeled 'Account 30 days past due ' that I am requesting to be reviewed and expunged. 
XXXX XXXX & XXXX : 30 days past due in XXXX 2013. This account was a part of my college loan package. Quarterly payments were made. There was miscommunication as to a late fee accrued of {$6.00}. I had spoken to them at that time regarding this late fee and avoiding being reported to the credit bureau. Large amounts of loan payments had been consistently made, I was not aware of the {$6.00} fee that was apparently accrued. The billing services did supposedly remove this fee at time of the quarterly payment, which was paid in full represented by the statement at that time. They did not subsequently remove the late notice and the time continued to accumulate, even though the quarterly statement was paid. They of course retained the idea they were not responsible for this error and unwilling to entertain any modification. The account was paid off and closed very soon thereafter. This is a perfect example of why millions of college students progress into more debt, dealing with loan companies with irresponsible behavior and now involving wasted work time and money of submitting a complaint. I did speak to this company directly, as well as submitting a complaint through the credit score bureau, neither of which providing benefit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hello all, This debt is based up on my XXXX XXXX which I stopped using it two months after getting it. Now, I receive this debt with an amount of XXXX USD even though I had the XXXX XXXX device at home. I would like to receive details of the amount that the company XXXX XXXX XXXX XXXX XXXX XXXX is asking me to pay. I will appreciate receiving information about it. The letter was received XXXX XXXX,2017 from Transworld system Inc based on the debt had with XXXX XXXX XXXX XXXX. Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Unsolicited issuance of credit card

Complaint: I have asked for Bank of America to provide me with a copy of the authorization agreement to prove I requested the account to be opened in my name. They have n't sent anything but billing statements which do not legally prove I requested the alleged account to be opened in my name and a letter I will attach.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Credit reporting agencies not providing a updated credit report with update scores. Not deleting negatives wordings, and collections after Bankruptcy XXXX XXXX, Texas Federal Judge Discharged bankruptcy XXXX on XXXX XXXX,2016. This is a major Retaliation and Discrimination against me as a XXXX Military Veteran. There is many errors on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I opened my first credit card to establish a relationship with USAA in XX/XX/XXXX. When I received my credit card it had an inaccurate name on it ( Last name started with XXXX instead of XXXX ). I chose not to activate this card with inaccurate information. Unknown to me, there was a {$14.00} shipping charge when I opened the account, which I never received a bill for ; neither in my mailbox nor an email informing me my bill was ready ( which was the case when I had an activated credit card with USAA ). Because my information was inaccurate and this account was never activated, I never assumed an issue when I never received a bill for this account. I checked my credit report in XX/XX/XXXX, and to my surprise found XX/XX/XXXX- XX/XX/XXXX late payment status for {$17.00} on this account. I immediately called customer service and paid the overdue {$17.00}. If I had any knowledge of the {$17.00} (! ), I would have paid it immediately. I have never missed a payment and I most definitely would never ruin my credit over {$17.00}. I have asked for credit reporting to be corrected for my account that portrayed inaccurate information on my card, that was inaccurately charged to an account that I never activated, and of which I was never accurately notified of my {$17.00} debt. Additionally, I immediately paid this {$17.00} debt when I, through other means than USAA, discovered this {$17.00} debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/18/2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (WA).
Issue: Struggling to pay mortgage

Complaint: My mortgage was sold to XXXX XXXX by XXXX XXXX and serviced by Rushmore Loan Management. My previous complaint to CFPB was to be sure that XXXX XXXX sends all my loan modification documents to Rushmore. C Today after sending email, leaving VMs to Rushmore to know the status of my modification, I talked to XXXX who continuously told me that they received only the XX/XX/XXXX package. Which was shocking so I told XXXX that I will be filing a complaint because I had a letter from XXXX XXXX stating that they had transferred all documents. He told me to speak to XXXX XXXX who is my account manager, that he was only reading whatever was on the notes. 

Then few minutes later I called XXXX XXXX phone number and was redirected to XXXX who confirmed that they received the XX/XX/XXXX modification transferred by XXXX XXXX and that Rushmore is working on my modification and that XXXX would return my call in next 1 or 2 days. 

I had left a VM last week to XXXX, sent her an email this weekend and left another VM this morning. Last week, XXXX ( @ Rushmore ) told me over the phone that XXXX was my account manager. Today XXXX told me that XXXX XXXX is my account manager

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (Medical debt) with Credence Resource Management, LLC (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: > Two ambulance rides were provided for a Veteran on  XX/XX/XXXX  by   XXXX   XXXX   of Indiana.
> Two claims were submitted to the VA for payment : #  XXXX  and #   XXXX   > VA paid #  XXXX  o n   XX/XX/XXXX in amount of {$300.00}. EFT #  XXXX  VA paid #  XXXX  on  XX/XX/XXXX  in amount of {$290.00}. EFT #  XXXX  >   XXXX   XXXX   claims to have no record of payment for #  XXXX  ; and sent Credence collections agency to seek payment from the Veteran directly. Previously, another collections agency was also hired to seek payment for both claims from the Veteran.
> Despite being given the Electronic Funds Transfer number, the Tax ID to which it was paid - #  XXXX  and the bank account to which it was transferred -  XXXX  Acct. - XXXX ,   XXXX   XXXX   refuses to acknowledge payment and has only placed this account " on hold '' rather than closing this claim.
> As a result of this process, the Veteran has suffered severe stress and has had his credit damaged for a debt that he was never responsible for and a debt that was satisfied by the VA as documented.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2017 about Credit card () with CITIBANK, N.A. (PR).
Issue: Unsolicited issuance of credit card

Complaint: Costco Wholesales in XXXX XXXX offered a Credit Card with XXXX XXXX. I had the credit card for years without any problem. Costco decided to change their agreement to a Citi Card and to send a new credit card over mail. I received the letter that they were changing to Citi and I had no interest into using the new Citi Card provided by Citibank, so I cut the new card ( broke it ) and throw it to the trash. As the card said : " Call XXXX XXXX to activate your card '', and I had no interest into activating that card, I never called for activation and I never used it. I expected the obvious to happen : that having no activation in the card ; No One was authorized to charge anything to that account ; I never authorized it 's use! It 's my credit and only I am entitled to authorize its use! Surprisingly, Costco charged it 's annual fee to that account, and instead of Citi telling Costco that there is no active account because I never authorized the use of that account, Citi is making me liable for such fee plus their charges! -- So convenient for them to charge fees on an account that I did n't even know it was unfairly and abusively activated. So I complained to them, they said they close everything, and now I just received another letter that after their investigation, they are reopening the account and charging me. Can you help me understand my rights? I believe this is at least unfair, deceptive and abusive. If I never activated such credit card, how am I supposed to be expecting to pay them any bills?

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 10-10-2017 about Student loan (Private student loan) with Performance Settlement, LLC (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: On Friday, XX/XX/XXXX, I received a call from XXXX XXXX, a sales representative with Performance SLC. After a brief conversation about loan forgiveness and consolidation we began the initial paperwork. After completion, I was given three business days to cancel the contract. On Tuesday, XX/XX/XXXX I contacted XXXX and requested a cancellation form via email. I needed more time to review the process and contract. He connected me to his supervisor, XXXX XXXX XXXX who insisted he would send me the emails. He never did and the application was processed to my federal student loan provider, even though I 'd verbal canceled. To this day I was never sent any cancellation paperwork that theyd agreed to be send. I 've called and called since this had initially happened and over the last three days ive called countless times to still recieve no answers. On Monday, XX/XX/XXXX I called  customer service who eventually connected me with XXXX XXXX, a compliance manager, who said he would handle the problem and email cancellation paperwork and more information. I now have not received a thing from him as well. They processed my application and never sent me cancellation forms though I called and verified cancellation within the 3 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been trying to enroll in an income based repayment plan for 2 months. The first time I tried the loan company said they needed my tax information when typically in the past they electronically obtained it. This year, ironically I had to submit the document by mail, email or fax. I faxed the information and they wrote me telling me they could not enroll me in a program because they did not receive tax information. So I resubmitted an application to enroll in the plan and they said I was approved but told me I needed to fill out the, application again! My  XXXX  payment is due on   XXXX   XXXX   and it appears as if they are stalling me on purpose to ensure that I reach repayment status and end up in default. I can not afford to pay {$2000.00} in repayment. This is unfair to me as a borrower. I am depressed and going to see a psychiatrist because of this issue. This will ruin my life and I will certainly be in default by the end of the year if I can not enroll in this program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation