milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/19/2017 about Debt collection (Payday loan) with CURO Intermediate Holdings (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: ( incorrect issue type, could not find appropriate heading ) I paid off previous loan # XXXX on www.speedycash.com with a one time payment by debit card. I was unaware that this action would automatically save my debit card to the account for future use. Therefore when i renewed the loan, the debit card, in addition to my banking infowas listed in the loan documents. The loan documents indicate a saved debit card will be processed " early in the morning '' on the due date. Although I feel this is not a good practice being all financial institutions do not post direct deposits at the same time, my issue is that the website only allows you to change, not delete the debit card information. This is with a valid ACH bank authorization in place. The loan documents indicate the ACH can be canceled per customer request, but nothing is stated for debit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX it was reported that Equifax leaked XXXX XXXX consumers ' records in their possession. I have not been told if I have been affected, and my data is possibly vulnerable.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Debt collection (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: check smart is corporate office for Easy money in XXXX tn. At first the local Easy Money on XXXX XXXX in XXXX kept calling me XXXX times a day every day. Now the corporate office called check smart calls me every day including Sundays! I have sent them a letter requesting they contact me with correspondence and not to call me at work, but they are also calling me at work as well.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Problems caused by my funds being low

Complaint: I had a savings, checking and Business account with US Bank. I went to the gas station filled my tank with gas knowing I had money in the bank at the time. I only put {$30.00} into the tank. My account became over drawn. I was very ill for a few weeks dropped out of commission for a few weeks. Looked into my account after I was released from the hospital. They had put so many fees on my account I could not pay the money to get the account back in good standing. I tried reasoning with US Bank. They would not reduce the fees at all. When I called that measly {$30.00} dollars turned into {$340.00} in fees. They never paid any returned checks and I never bounced checks. They try to extort {$340.00} for a {$30.00} error. They have reported me to XXXX saying account abuse the info is inaccurate. They are the ones doing the abusing. This should be against the law. Check consumer complaints website you will find thousands of stories just like mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Please see complaint XXXX and the company response. They have not awarded promised airline miles from last XXXX. The letter they wrote after the first complaint said it would be resolved by today. It 's not. They have not given me the miles I earned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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 just viewed an updated score for my equifax credit report. Equifax removed 3 accounts that are in good standing which in turn caused my credit score to drop again. I dont no why equifax is removing positive accounts off my report. The accounts are XXXX XXXX XXXX   and my 2 XXXX  XXXX credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2018 about Checking or savings account (Checking account) with COMMUNITY BANK SYSTEM, INC. (NY).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX   XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX Home : ( XXXX ) XXXX XXXX   Fax : ( XXXX ) XXXX XXXX XXXX Cell ( XXXX ) XXXX XXXX XXXX Email : XXXX XXXX XXXX XXXX XXXX : XXXX   XX/XX/XXXX Dear Consumer Financial Protection Bureau : 1 . I filed a complaint against COMMUNITY BANK on or around XX/XX/XXXX, for elderly-financial abuse, theft, and fraud. This banks ' employees, involved with the organized-crime, aided and abetted an organized-crime member XXXX in stealing {$1.00}, 200.00 from me.

2. XXXX XXXX stole my {$1.00}, XXXX through a scheme of renting an illegal apartment aided and abetted by the local and state police ; so, they refused to file a police-report. When the local and state-police saw no other option, they filed the report ; but it was falsified.

3. The police-report looked like I have lived in the apartment and, then, the apartment became damaged ( by my use ) ; so, it was not fraud, but a landlord and tenant-dispute. when, in reality, XXXX XXXX   rented the said apartment with dozens of violations, said that he was going to fix it before he cashed my first month-rent and security deposit.

4. After fixing the apartment, he was supposed to give me a lease and the key. Then, he was going to cash the check for the said two months. This never happened. He cashed the check immediately after I gave it to him and never repaired anything. When I went to the bank and reported the fraud and scheme, they told me that they would not follow the law ; so, I could get my defrauded money back.

5. I, and an ocular witness, have seen the local state and police- officers at the local motel -- where people drink, rent rooms for a night or two, and eat. I dont know if XXXX XXXX or his family own the said motel ; but I do know that they are friends with XXXX XXXX and hang out where he does at the said motel.

6. After I found out that they hang out at the same motel and are good friends, the said police refused to follow the law and arrest the perpetrator for fraud XXXX XXXX. After I filed a complaint with the Consumer Financial Protection Bureau, COMMUNITY BANK retaliated against me and ran another scheme involving covering up parts of my rent-checks, at the new place where I rent.

7. I rented another apartment because I almost died of infections from XXXX XXXX 's illegal-apartment. After I got terrible infections from the said illegal-apartment, I went to the local XXXX-Hospital in XXXX, NY. There, coincidentally, two nurses and an Assistance Physician tried to XXXX me. I have a 911-Call and ocular witness.

Sincerely, XXXX XXXX XXXX, XXXX Citizen

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (LA).
Issue: APR or interest rate

Complaint: I had credit card debt with Bank of America while I was XXXX in the XXXX ( XX/XX/XXXX-XX/XX/XXXX ). After I separated from service, I noticed XX/XX/XXXX that my card balances were unexpectedly much lower. I called Bank of America to inquire about the reason for the balance change. They told me on the phone that they had incorrectly charged me higher interest than was allowed under the Soldier & Sailor Act and that consequently, they had lowered my balance to adjust what they had illegally charged. So I never saw this money - it was just fraudulent interest followed by elimination of fraudulent interest. After I filed my XX/XX/XXXX tax return, I received a XXXX from Bank of America with a total reported " income '' of ~ {$10000.00} ( the amount that they had adjusted my balance ). Again, I never saw this money, so I did n't think I should have to pay taxes on money that was illegally charged and then corrected. I just got a letter in the mail from the IRS stating that I owe {$2600.00} in back taxes because I did n't claim the Bank of America income. In my opinion, Bank of America made a mistake reporting this as income to the IRS and should have corrected it, but clearly they did n't, and now I am stuck having to deal with the IRS to explain the situation. All of this because I volunteered to serve in the XXXX and BoA messed up the interest charges on my 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
Consumer complaint received 08-06-2015 about Mortgage (FHA mortgage) with CITIBANK, N.A. (WI).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX I requested a loan remodification due to financial hardship ( I am a displaced worker attending school full-time ) with Citimortgage. I was told by my homeowner support specialists, XXXX XXXX and XXXX XXXX, that Citimortgage would report negative information to the credit reporting agencies regarding my account while the remodification was being processed and that after the remodification was approved and a XXXX day trial payment period was completed that Citimortgage would contact the credit reporting agencies to remove the negative information. The remodification was approved and I was advised that HUD paid my past due payment totaling {$6900.00} and escrow of XXXX a total of {$8400.00} and that a sub lien on my property must be satisfied before I can refinance or sale my home. I co-signed for a car loan for my son, co-owner of the property, in late XXXX of this year and I received several denial letters indicating that there were serious delinquincies on my credit report with XXXX. I requested a copy of my credit report with XXXX and it indicates that there was a maximum delinquency with Citimortgage of {$12000.00} for XXXX and {$6900.00} for XXXX. ( FYI homeowner support specialist also stated that my XX/XX/XXXX and XXXX payments would be included in the remodification and therefore I did not have to make those payments ) The delinquency period reported to the credit reporting agencies was from XXXX thru XXXX. I have contacted Citimortgage several times regarding this issue and this week I spoke with XXXX XXXX who stated that Citimortgage reports to the credit reporting agencies that the loan has been remodified and the delinquency has been resolved in situations such as mine. However, that is not what my credit reports reflects. XXXX XXXX stated that Citimortgage is a creditor and has no control over what the credit agency reports on my file when I advised her of what is actually reflected on my credit report. I also have a credit report from XXXX and it does not indicate that my loan was remodified and that the delinquency has been resolved. Therefore I am fairly certain that the same is true with XXXX. It is difficult for me to accept that a credit reporting agency would report any other than the information they receive from the creditor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (CA).
Issue: Application, originator, mortgage broker

Complaint: Applied for a loan of $ XXXX with U.S. Bank XXXX USB ) on a condo purchase of $ XXXX. Closing date set for XXXX/XXXX/2015. USB failed to meet closing on that date, failed to meet adjusted closing of XXXX/XXXX/2015, failed to meet readjusted closing of XXXX/XXXX/2015 and as of this evening, failed to meet latest closing date of XXXX/XXXX/2015. At all times, communication with USB has been XXXX with constant reassurances that everything is OK, but then communication ceases and goals are not met. In addition to having to explain " Domestic Partnership '' to a bank doing business in California, the most recent hurdle was telling me to change the purpose of the purchase from " XXXX Home '' to " Income/Rental '', which changes the interest rate that was originally agreed to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with USA DISCOUNTERS LTD ().
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: I financed some items from USA DISCOUNTERS in XX/XX/XXXX while I was stationed at XXXX XXXX in XXXX State. I started soon after getting calls at work asking to speak to my supervisor. A women called my office XXXX times a day telling my supervisor my account was late and how much I owed to them. I returned their call and asked them not to call my job. They continued to call and tell anyone who answered, my detailed info about my account. I talked to someone in the debt section and I was told that my account was n't over due yet but it would be in 30 days. I asked so why all the calls? I was told because my full payment was short by {$45.00} and if not paid I would be over due. I paid the money. Shortly after I was placed on orders to XXXX XXXX and sad to say, I was going through a divorce. I called USA DISCOUNTERS and told them my money will be short because I no longer have XXXX incomes. I fell behind on payments and I received a court sums soon after saying I was being sued in XXXX courts. I never bought any items in the state of XXXX and I was still stationed in XXXX. I sent a letter to the court stating I was in XXXX. I never hear anything back from them. This XX/XX/XXXX, I retired from the XXXX. My account was frozen by USA DISCOUNTERS because of the lawsuit. I can not get any money out of my account which is my retirement. They are trying to garnish my retirement. I was told by my jag office that it could not be garnished but seems like they were wrong. I 'm currently living day to day trying to make it on what little money I have almost just change now. My account is frozen and I have medical issues I have to take care of and bills to pay but I ca n't. Just need help trying to figure out what to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 11/18/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: IN RESPONSE TO BANK OF AMERICA N.A . STATED IN IT 'S LETTER DATED XX/XX/XXXX THEY STATED THAT THEY HAVE NOT FILED ANY COURT ACTION ON ME SINCE XX/XX/XXXX THAT IS A BLANT LIE, PLEASE SEE ATTACHED COURT DOCUMENTS THAT THEY HAVE IN FACT FILED NUMEROUS ACTION ON ME IN XX/XX/XXXX, AND PLEASE FIND ATTACHED CREDIT REPORT SHOWING THEY REPORTED AGAINST ME ALONG WITH XXXX XXXX SERVICE.IT IS IMPOSSIBLE TO DEAL WITH THESE PEOPLE THEY CA N'T BE TRUSTED.BOA FILING COURT DOC AFTER TRANSFERING THE LOAN.PLEASE ASK BOA TO EXPLAIN THEM SELF.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit card () with CITIBANK, N.A. (KY).
Issue: Payoff process

Complaint: I have had an account with Sears Card services for about 7 years. This past year, I discovered a fraudulent charge on my account. I reported it immediately and they promptly credited my account. Thereafter, it appeared to me that my account was credited beyond the amount I had disputed so I called to report it and they mentioned there was no issue. We had a sick pet which needed XXXX last fall and I used the card to pay for the fees. 
Having misplaced my card soon after or before the XXXX ( I can not remember ), they cancelled it and reissued a new one which apparently resulted in a myriad of charges related to the disputed charge in XXXX of 2016 either reappearing on my account or being credited to my account. There was so much back and forth with this XXXX charge that I honestly have no idea how much I should have owed based on the things I know I have used the card for that I feel like I have since overpaid the amount of initial credits to my account. I do not trust Sears at all. They performed an audit on the account a couple of months ago and swear it is resolved, but I am now also paying interest on the amount they had credited my account and since reversed the charges on. Those interest charges have been reversed one time when I called but appeared on my last statement. Overall, it is very shady and I wonder if this is a true error one off type of thing or if other consumers are experiencing the same issues.

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 02-01-2018 about Debt collection (Other debt) with Penn Credit Corporation (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a call from Penn Credit, a debt collector, in early XX/XX/XXXX saying I had an outstanding balance from the XXXX XXXX XXXX XXXX XXXX from a home I previously owned. I asked them to send me the bill, which they did mail to me. I then called them to explain that the bill is not my bill as the utilities were not in my name at the time of outstanding balance ( XX/XX/XXXX ). I explained that I rented that home to tenants in XX/XX/XXXX and they purchased the home from me in XX/XX/XXXX.  The water bill had not been in my name since XX/XX/XXXX. They were extremely rude and said that I was refusing to pay a debt. When I told them I would take it up with the XXXX XXXX XXXX XXXX XXXX, the person then hung up on me. This whole experience seems to be deceptive and fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX cable sent us a bill for service at a XXXX address on XXXX. We never lived there and disputed the debt in writing on XX/XX/XXXX with XXXX, XXXX, XXXX, XXXX, and XXXX. The credit agencies deleted from our credit report. In XX/XX/XXXX Credit Management sent us a collection notice and they had changed the address of the original charge to our correct address without any account info on the bill. Credit Management falsely made the bill look as if it were attached to our current address. We have never lived at XXXX in XXXX and I reported the incident as identity theft to the credit agencies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with John C. Heath, Attorney at Law, PLLC (KY).
Issue: Fraud or scam

Complaint: I was a dummy and paid for this service for 12 months ( XXXX ) at $ XXXX month. This company promised to " fix my credit ''. I complained about the process several times and they assured me that " most clients start to see changes after 90 days '', and then " most clients start to see changes after 6 months '', and finally " most clients start to see changes after 1 year ''

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: There is a acoount reporting twice on my credit contacted equifax to remove XXXX since its also being reported by XXXX. Was never removed

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: To whom it may concern ; I have a voluntary repo on my credit report. I have hired XXXX XXXX XXXX to fix my credit and try to get this off my credit report, but I have n't been able to do so..The company that keeps reporting is Santander Consumer USA. I feel as if the information they are reporting is incorrect and this is hurting my credit very badly! And my ability to finance anything. From my understanding the account started in XXXX but that is n't true. I bought this XXXX XXXX XXXX sometime in XXXX just before my son was born which was in XX/XX/XXXX. They keep reporting this on my credit and I know the statue of limitations has been passed a long time ago. I would like someone to do an investigation into this and all information about this account to be shown to me or the company I have hired to fix my credit, so that it can be verified by me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MN).
Issue: Credit decision / Underwriting

Complaint: I sold my townhouse at XXXX WI. It was suppose to close on XXXX XXXX, 2015. The closing Company requested a payoff on Tuesday XXXX/XXXX/2015. I requested the payoff on XXXX/XXXX/2015. I have called and the closing company ( XXXX XXXX, XXXX WI. ) has faxed and requested the payoff daily. I was promised it daily especially last Friday XXXX/XXXX/2015. I have still not received it. I can not pay off anything and they are charging me interest daily besides causing lots of problems. My husband an attorney called and they said they could not give him the payoff with the account number and my social security number. They refused to talk to him. 
The company is Seterus Mortgage. Loan # XXXX tele # XXXXXXXXThank you, XXXX XXXX ( XXXX ) XXXXXXXXOr you can contact XXXX XXXX WI. ( XXXX

Company response to consumer: Closed with explanation