milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have XXXX companies that are calming that i have an outstanding close balance with XXXX that was for the same past due bill that was on my report and last year previously deleted off at the beginning of the year. 
XXXX company is XXXX XXXX XXXX, and the other XXXX is XXXX both have amounts of XXXX and XXXX ... I think the last company sold this account to a different creditors and they put it back on my credit report. under different names. 

can you please help me get this off my credit please

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX sent me to collections for a bill for services that were never rendered. XXXX was also extremely aggressive with monetary threats to get me to agree in the first place. I feel coerced into the initial agreement, and sending me to collections for a bill for services that were never rendered is absolutely illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Debt collection (Medical debt) with Richland Holdings, Inc. (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On or about  XXXX   XXXX ,    2017, I recei ved a letter from AcctCorp of Southern Nevada regarding a collection of alleged medical debt. On  XXXX   XXXX ,  2017, I se nt a letter certified mail to AcctCorp of Southern Nevada requesting the following : - Breakdown of any and fees including any collection costs and medical charges.   - Copies of any and all  XXXX   XXXX   XXXX   XXXX  bills, documents and correspondence in your possession.   - Copy of my signed contract with  XXXX   XXXX   XXXX   XXXX  authorizing release my medical information to ACCTCORP.   - Copy of any and all contracts between ACCTCORP and  XXXX   XXXX   XXXX   XXXX  as set forth in, but not limited to, T itle 45, 164.502 ( e ) and 164.504 ( e ) of t he Code of Federal Regulations. - Cease any credit bureau reporting until the debt has been validated by me.   AcctCorp of Southern Nevada failed to provide the information I requested as per the Fair Debt Collection Practices Act, and Tit  les 45, 164.502 ( e ) and 164.504 ( e ) of the Code of Federal Regulations.
In addition AcctCorp is in violation of HIPPA and my privacy has been violated according to 45 CFR 160.103 as AcctCorp is in possession    of my private medical records and history without my express written consent.   AcctCorp of Southern Nevada is also in violation of the FDCPA ; having posted the alleged debt on my credit report prior to responding to the requests made in my letter to them, dated  XXXX   XXXX ,    2017. A copy  of the letter is attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On XXXX XXXX, XXXX, our bank, XXXX XXXX, charged the regular monthly maintenance fee for our checking account of {$11.00} - being we could not afford to cover that fee at the time and the bank 's policy is to not charge overdraft or negative balance fees for deficits resulting from monthly or annual fees, we left the negative balance of - {$10.00} until we would be financially able to cover it. On XX/XX/XXXX, unknown to us at the time, a {$1.00} XXXX transaction ( which we thought was charged on our " XXXX '' debit card, also with XXXX XXXX ) came through our checking account, our balance became - {$12.00} and the XXXX item was returned the next day. In the process, XXXX XXXX charged a {$37.00} overdraft fee also on XX/XX/XXXX, in direct violation of their policy to not charge overdraft or negative balance fees for transactions under {$5.00}. We left a voicemail regarding this for our banker, XXXX XXXX, who is also the branch manager at the XXXX IL branch where maintain our accounts. We received no response, nor did her voicemail indicate we should contact an alternate contact ; we left 2 further voicemails without a response from XXXX XXXX or anyone at XXXX XXXX until this morning, XX/XX/XXXX. In the meantime, the {$1.00} XXXX transaction was resubmitted on XX/XX/XXXX and was subsequently returned today, along with another {$37.00} overdraft fee assessed against our checking account, again in clear violation of XXXX XXXX 's policy. The voicemail which XXXX XXXX left for us said that she had been in meetings the end of the week of XX/XX/XXXX and then out of the bank until today, the fees were charged being the account was already in negative status and she could not do anything in regards to reversing either of the {$37.00} fees. Our contention is this is a convenient way to bypass their own policy being the deficit was due to their own fee which their policy is to not charge for and take advantage of longtime account holders ; also, her lack of timely response, nor listing of an alternate contact on her voicemail while she was out an extended length of time, nor enlisting a bank associate to address this issue in a timely fashion, is also convenient way to incur fees which should not have been charged. Had the first fee been reversed, we would have covered the - {$12.00} deficit plus at least an additional {$1.00} for if the XXXX transaction was resubmitted in a cash deposit or bank account ( immediate funds ) transfer, and so the account would be no longer negative nor caused the second overdraft. To reiterate, these fees were both charged in cases in violation of their stated policy to not charge overdraft or negative balance fees for transactions under {$5.00}, nor for deficits occurring as a result of a charge of their monthly or annual fees,

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: All XXXX credit reporting companies, XXXX, transunion, XXXX ALL created a new credit history file for me when I changed my name. My SSN remained the same. I am a XXXX woman and I was having trouble getting credit after my XXXX. When I looked into it I found that all of the credit reporting companies had XXXX files for me. XXXX under my old name and XXXX under my current legal name. I am still in the process of getting this corrected, which means having them merge the XXXX files. They had instructed me to ask all of my old CC and bank loan companies to re-report the information with my corrected name. The ones that would, did but, it STILL did n't show up on my credit report. The merging of the XXXX files for each credit reporting company is where I am now. It has been a HUGE time consuming process. Many days worth of time spent on the phone to correct this issue which NEVER should have happened XXXX. XXXX they should have just started reporting my new name and new credit cards as part of my existing record based on my social security number. If I had an issue with it, i.e. if someone else had this happen they would see it on their credit report and dispute it. So, why is n't this the default? Being a XXXX person in this society is hard enough. Why do we have to start our credit history all over when we are just trying to live as ourselves. I do n't think most XXXX people would go through the long wait times on the phone and the getting run around ... when they have XXXX records that should just get merged. If I had n't had credit monitoring from before my name change and after I do n't think I would have noticed what was going on ... well not as fast. ALSO, regardless if someone is a XXXX. If someone starts using another person 's SSN with whatever name they want, they can build a credit history. So, this is making it easy for someone to create a fake identity / life. 
Please see about getting the credit reporting companies policy changed with regards to SSN and names. 
Thank you. 
A XXXX year old XXXX woman with XXXX credit history from when I was a XXXX and 2 years as a XXXX. Once my files are merged I will finally all XXXX of credit history that I deserve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On XX/XX/XXXX I logged into my online account for my credit card with USAA. 

I clicked on a promotional offer for 0 % interest on a balance transfer. The offer was ending on that day, XX/XX/XXXX. 

I followed the steps and completed the balance transfer. 

The balance transfer went through but I did not receive the promotional rate. When I called USAA, I was told that the money did not post to the USAA account until a few days later thus missing the deadline. 

USAA does have the disclaimer that the deadline for money posting is XX/XX/XXXX but as an electronic offer, I feel that it was misleading to even still have the offer live on my account on XX/XX/XXXX if it was already going to automatically miss the deadline. If anything, when I clicked on it they could have easily given me a message to inform me that the transfer could take more than one day and would thus miss the offer. I received no notification of this and feel that I was duped into taking an offer that was really already null and void. USAA should have disabled the link earlier to reflect the true deadline for this offer. They could have also informed me in some other fashion that although my balance transfer was conducted through that link, it actually did not qualify for the promotional rate.

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 06/23/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (PA).
Issue: Deposits and withdrawals

Complaint: I deposit my pay check automatically. I monitor my account daily. Here 's the issue : when I make a transaction. It appears on my statement as pending. and my balance indicates the deduction amount. Say I have {$1000.00}, pay {$100.00} my balance shows as {$900.00} and so on. 
so I only spend what I have available. I do n't spend more than what I have. What Chase is saying is that the merchant when a trans action is pending the amount is put in reserve. 
if the merchant does not process the transaction within 5 days. The reserve is place back into my available balance. However my available balance does not indicate the reserve added back. so I had {$1000.00}, spent {$100.00}, have {$900.00} available, spend the available {$900.00}. on other bills, and then the original transaction of {$100.00} is posted, They are saying that I am overdrawn and are charge me a fee of {$35.00} so I 'm asking what happened the {$100.00} deducted from my original {$1000.00} balance. So my balance go down with every transaction but never goes back up when the pending transaction is reinstated back into my account. They say they do n't indicate that on my statement. How can I keep track of my money when not all the transactions are not indicated in my account statement. They are pulling some XXXX here and need a forensic examination of how Chase list the transaction on a costumer statement. Please advise on my next step. I 've had enough and I 'm getting the run around from Chase with no clear answers as what happened to the deducted amount from my balance. 
also transactions disappear from my statement, Case in point. I spent {$100.00} on XX/XX/XXXX. My statement indicates the transaction the same day and my available balance is reduced by {$100.00}. 
the merchant post the transaction on the 20 5 day from the original transaction. By this time I I have depleted the remaining balance. so now I 'm overdrawn. What happened to the {$100.00} and the original transaction on XX/XX/XXXX is nowhere to be found on my statement I have a receipt from the merchant dated XX/XX/XXXX. Some is going on here and they been pulling this for quite sometime. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-06-2015 about Payday loan () with Green Trust Cash, LLC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: i am paying weekly payments through direct deposit from my bank for about a month now on a XXXX dollar loan, yet my payoff amount due is still higher than the original amount I received

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: The home loan was transferred from XXXX to Caliber Home loans in XXXX XXXX. In XXXX XXXX, XXXX Caliber Home Loans filed a motion to cancel the foreclosure on my XXXX real property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX loan number XXXX. I made application for a loan modification. Despite the servicers motion to cancel the foreclosure sale the foreclosure sale was held by surprise. I have attempted to save my primary residence for my XXXX children. I have been told I have to vacate the house now. When I asked about relocation assistance monies and a move out date I was not given an answer. There is a pending appeal and pending eviction. The appeal attorney name is XXXX XXXX XXXX XXXXXXXXXXXX The eviction attorney name is XXXX XXXX XXXX XXXX. My first request is to follow up with the loan modification. My second request is to be given a XXXX XXXX, XXXX move out date with relocation assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (Medical debt) with Action Revenue Recovery, LLC (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Without proper notification a bill was added to my credit file by XXXX XXXX XXXX in the amount of {$130.00}. This bill has been back dated to appear as if it has been on my credit report since 2014 when it has not I check my credit on a daily basis. I have never done business with this company, I have never received a bill from this company yet they were able to add a bill from 2014 to my credit file willfully violating its obligations under the FCRA. This item must be deleted immediately or I can pursue damages.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I investigated XXXX XXXX XXXX XXXX credit card about 30 days ago. The item was removed from my credit report. As of today XXXX XXXX credit card is appearing on my report once again.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The Equifax breach has exposed my personal information to the public, leaving me vulnerable to scams, identity theft, and fraud, in addition to countless hours of work trying to mitigate the damage and protect myself, having to prove to creditors that my identity has been stolen, and further unpredictable hours of work and stress caused by this breach. 

Equifax should not have the opportunity to store any of my information without my permission. The entire concept of me having no say over who has my information and what they do with it runs counter to what I would like to think Americans believe is their right to privacy. It is already bad enough that we have no control over this practice ; the idea that the companies entrusted with this information are not competent is really a step too far. 

The US Government should immediately restrict Equifax and any of its subsidiaries from any access to Americans ' private information. Banks, who are sure to suffer immeasurable losses from fraud caused by this breach, should cease all relationships with Equifax. Finally, Equifax leadership should be stripped of power and held liable for the breach they did not work hard enough to prevent.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Pioneer credit Recovery, Inc who is working on behalf of XXXX, has been calling my home and cell number nonstop. They have threaten to call Social Security to have my Social Security Check taken away. They have threaten to take money from my bank account without my permission. They obtain my husband cell number and told my husband to fax over his XXXX so that the can garnish his tax returns. I called XXXX XXXX XXXX XXXX XXXX to inform them of the harassment that I was receiving from Pioneer. They advised me that its not that problem to call Pioneer or file a complaint. So that what I doing filing a complaint because it is against the law to do these scare tickets to people

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Debt collection (Mortgage) with M&T BANK CORPORATION (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: After reviewing a copy of my annual credit report, I have noticed that I have XXXX closed mortgage accounts placed in my file which is causing my credit to be less than mediocre. Because I was not equipped with my rights as a credit consumer at that time, I had no idea that there was anything I could do to fight this. 

Neither of these debts have been verified or validated for me and if this is correct, I have absolutely no knowledge of the amount owed, if I wanted to remedy the problem. 

It is known that both M & T Bank and XXXX have predatory lending tactics aimed at minorities, therefore, I hope hope that they ae not attempting to take advantage of me as a single XXXX mother of XXXX children ( ages XXXX and under ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Student loan (Private student loan) with DISCOVER BANK (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I have received numerous phone calls f rom Discover Student Loans. T hey keep calling from the following number  XXXX . When I do answer the call no one speaks and they just hang up. I had to block this number due to the repeated calls.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have notified XXXX XXXX and Capital One bank via mail that there are some unrecognized/unauthorized inquiries on my credit report. The inquiries are dated XX/XX/XXXX & XX/XX/XXXX. I have not gotten any responses from Capital One bank or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The creditor is capital one. They are reporting that I owe {$150.00}. I settled the balance in XX/XX/XXXX. They reported it as unpaid in XX/XX/XXXX. They are refusing to update the credit bureau. I called capital one numerous times and they will not correct the records.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Payday loan, title loan, or personal loan (Installment loan) with WELLS FARGO & COMPANY (IN).
Issue: Problem when making payments

Complaint: Acct :  XXXX   XXXX   XXXX   XXXX  Payment was iniatted and completed o n  XX/XX/XXXX .    XXXX  Internal transfer occurred in approx.   XX/XX/XXXX  Auto paym ents were disabled, due to unkown reasons.   XXXX  Customer,  XXXX   XXXX , reported difficulties making payments.   XXXX  Other payment attempted for varying amounts but were not successful. We believe that  this may be a  wells fargo system issue. Attempts to clarify with Wells Fargo were non-conclusive to date.   XXXX  Currently, the account is is collections and has adversely affected th e credit score of both the owner (   XXXX   XXXX   ) and the guarantor (   XXXX   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 02-11-2017 about Consumer Loan (Title loan) with WHEELS FINANCIAL GROUP, LLC. (CA).
Issue: Payment to acct not credited

Complaint: Attached is email communication from XXXX XXXX LoanMart rep ( XXXX XXXX ) threatening me with a repossession order for a payment that was mailed XXXX/XXXX/17. 

First, and foremost I 'm not fresh off a XXXX, am still a customer, and a LEGAL tax paying law abiding citizen who happens to also be a consumer. I will/am NOT going to be communicated with in a threatening demeaning degrading manor by ANY institution, or XXXX representative who is, or has probable ties as a friend, or family member to illegal immigrants in this country, over a {$260.00} monthly loan payment being sent in later than the payment date!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I hand delivered a cease and desist letter to Conn 's XXXX XXXX, XXXX, AZ and the manager accepted it. I have filed a complaint with the Arizona Atty General in regards to deceptive sales practices and this C & D letter was to inform them that I was disputing the contract and would not be paying it. I demanded them to cease collection calls. Since receiving that letter, I have received XXXX harassing phone calls from their collections department. When I informed them of the C & D letter, they acknowledged they had received it. Today, XXXX/XXXX/2016, I have received XXXX harassing phone calls from them while at work.

Company response to consumer: Closed with explanation