milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/17/2017 about Prepaid card (Payroll card) with NETSPEND CORPORATION (CA).
Issue: Managing, opening, or closing account

Complaint: I am the son of  XXXX   XXXX . I opened a net spend account some time ago. I also opened an account with my mothers permission  XXXX   XXXX . As I take care of all her financial issues. I am the sole provider for her.   On  XXXX   XXXX  , 2017 my  sister  XXXX   XXXX  came to  XXXX   XXXX  and took my mother to  XXXX   XXXX  California.   Several days later after my mother left with my sister I received a text message stating that her card  was stolen/lost. Fi rst my mother is illiterate and can not spell and or explain herself as she had a   XXXX    XXXX .   then several days after this I received another text saying that you have been unsubscribed from our system. My mother does not know how to use a computer. This is my sister pretending to be  XXXX   XXXX . Thi s is Fraud.    Then days later I received another text saying that my account had been block for fraud.    XXXX   XXXX  sister  XXXX   XXXX  had called net spend pretending to be  XXXX   XXXX  and said that money was transferred from her account into my account. Yes it was with my mothers Permission. My sister  XXXX   XXXX  is into elder abuse and trying to get my mothers money.   I have on numerous occasion called net spend and spoke to several people about this matter and someone was suppose to call me back and no one has. My account has been blocked and I have not been able to pay my bills, My sons tuition was due last week in the amount of  XXXX  AND I CAN NOT PAY IT AS YOU HAVE MY ACCOUNT BLOCKED. No ONE HAS CALLED ME BACK and they said two days it has been a week and no one has called me. Every rime I call netspend they keep me on hold saying they are going to call me back i n two days. NO ONE  ahs.

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 07/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Credit Services Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt collector is using a creditor that does not exist in an effort to collect a debt from me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I applied XXXX XXXX card on XX/XX/XXXX. According to the offer, I should get XXXX bonus starpoints after I spent XXXX in 6 months. On XX/XX/XXXX, I confirmed with XXXX that I have met the spending requirement for getting the XXXX bonus starpoints. However, XXXX only gave me XXXX bonus starpoints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: ChexSystems continues to deny my application for banks regardless of countless amounts of inaccurate information and future dating old, fictitious accounts, preventing me from opening new accounts and collecting revenue from their business model of " check credit repair '' I am making sure this is a public complaint. 

Company will respond back asking for my social security number but cfpb advised against putting down my social security number. Inaccurate info with Chex systems. Scam organization

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Bank account or service (Savings account) with SUNTRUST BANKS, INC. (GA).
Issue: Account opening, closing, or management

Complaint: Greetings, I am having a problem with the SunTrust Bank in XXXX XXXX, Ga. The problem involves the branch at XXXX, XXXX. and the branch located on XXXX XXXX. I had a safety deposit box at the one on XXXX which I closed out XX/XX/XXXX due to my retirement and inability to travel on base. I returned the keys and transferred the box to the XXXX location. After this the bank at the base continued to bill me through XX/XX/XXXX for {$45.00} a month. My wife thought the bill was from the XXXX XXXX. branch and paid it for the last 3 years When I rented the box on XXXX XXXX, I also opened a savings account which they deducted the rent annually. When the amount in the account dropped below the rental amt., they deducted the balance and created a overdrawn situation. They, in turn, have charged me a penalty along with some type of interest charge for approximately {$50.00} and are currently saying I own {$110.00}. In calculating the penalty, they have pyramided the bill which is against the law. 
I have closed out the box on XXXX but was told, I could not close the savings account because I still owed {$110.00} even though my wife has made three {$45.00} payments on the base box which I did not owe. They made the withdrawal and applied the penalty after the fact without notifying me and providing me a chance to pay the {$75.00} rent. How is overdrawing a savings account an acceptable procedure? 
I want the {$110.00} balance removed and the overpayment for the three {$45.00} payments or {$22.00} refunded to me. As can be seen in the supporting documents, I was not given credit for two {$45.00} payments. These should have been posted to the only account I had opened, the savings account at the SunTrust located on XXXX XXXX. in XXXX XXXX, Ga..

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 03/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Paid an account IN FULL within grace period in the amount of {$1300.00}. On next statement, had an " interest charge '' of {$3.00}. Wrote a letter to the XXXX XXXX XXXX, Bank Of America ignored the letter and did not respond. Had to call in, resulting in extreme inconvenience, customer service representative was confused about the charge - checked with supervisor and declared that the charge would be removed. I asked if this was an error, the reply was " it looks that way ''. Bank appears to be disorganized, does not answer mail, there is NO option to contact bank electronically by e-mail or secure message, the ONLY option is the dreaded " call center '' during THEIR hours.

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 07/22/2015 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Transaction issue

Complaint: My wife, XXXX XXXX, and I are the victims of a fraud committed by XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) on XXXX XXXX, XXXX in violation of the Consent Order entered by New Jersey Division of Consumer Affairs against XXXX XXXX, In re : XXXX XXXX XXXX XXXX, XXXX Div. of Consumer Affairs ( XXXX XXXX, XXXX ) ( effective through XXXX XXXX, XXXX ). By way of complaint against XXXX XXXX and its sales representative, XXXX XXXX ( " Sales Representative XXXX '' ), XXXX XXXX and I state:1. On XXXX XXXX, XXXX, we test drove a used XXXX XXXX XXXX, XXXX XXXX, bearing the Vehicle Identification Number ( VIN # ) XXXX ( " XXXX XXXX '' ), at XXXX branch at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. 


2. We later purchased the same XXXX XXXX from XXXX for a total of {$22000.00}, including more than {$14000.00} in credit from my wife, XXXX XXXX J.P. Morgan Chase & Co. Small Business Credit account. 


3. Before purchasing the XXXX XXXX, my wife and I noticed an orange image on the car 's dashboard ( " Orange Signal '' ). During the test drive of the XXXX XXXX, we asked Sales Representative XXXX what the " Orange Signal '' represented since we had never purchased or owned a XXXX XXXX before. In response to our inquiry, Sales Representative XXXX represented that the " Orange Signal '' light was due to the fact that : " The car needs an oil change. Just take it in for an oil change and that light should go off. '' Sales Representative XXXX further represented that even if the orange warning light indicated a more serious problem, we could simply take it to the XXXX dealer and get it fixed under XXXX XXXX " bumper-to-bumper '' warranty or any other warranty we chose. 
4. XXXX XXXX 's claims were false and fraudulent. At the time XXXX and Sales Representative XXXX made the above representations to XXXX XXXX, both knew : ( A ) That no used car warranty for the XXXX XXXX XXXX would cover identified, preexisting conditions of the car, ( B ) That the orange warning light indicated a serious problem with the XXXX XXXX emissions, which would not be fixed by Sales Representative XXXX suggestion of " an oil change, '' and ( C ) That XXXX XXXX and XXXX XXXX would likely not purchase the car if they realized the problem with the XXXX XXXX engine because they had stated to Sales Representative XXXX that they " hoped the orange light did n't have anything to do with the engine, '' which prompted Sales Representative XXXX suggestion of " an oil change. " 5. When we took the XXXX XXXX to our mechanic immediately after the purchase, he informed us that there was a serious problem with the car 's interior emission system, which was indicated by the " Orange Signal '' we had asked XXXX XXXX about. It cost us more than {$1200.00} to repair and XXXX XXXX XXXX XXXX and Sales Representative XXXX now refuse to pay the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Debt collection (I do not know) with Allied Collection Services, Inc. (Nevada) (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX XXXX I received an alert from my credit monitoring service of a negative account with allied collection services of nevada reporting on all XXXX credit bureau in the amount of over {$400.00} with the original creditor of gentle breeze dated in XXXX. I never heard of any of these companies nor have I ever conducted business with them nor have I ever received any written correspondence from these companies regarding this fraudulent account prior to it being placed on my personal credit reports. I was never given the opportunity to request validation and because this company has placed this invalidated information on my credit files, they are in violation of FCRA and FCRA. I pay my bills on time and have n't had any derogatory items on my credit reportscore in years.

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 10/27/2017 about Debt collection (I do not know) with Miller, Stark, Klein and Associates (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I have received XXXX voice mail messages over the past couple of days. They were automated and difficult to understand. I basically heard part of my name and they said it was an urgent matter regarding my social security number. I do n't have any accounts in collection so I assumed it was the wrong number. Today I received a message from " XXXX '' from MSK & Associates Mediation. He said my social security number, name, and XXXX were involved in a " concerning matter ''. They also said they attempted to contact me at my home address which is not true. They are threatening to get a warrant for my arrest and contact my place of employment and/or immediate relatives. This concerns me because I do n't know what " debt '' they are referring to and I am worried that they have my SSN and other information. The contact number is XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (Payday loan debt) with CURO Intermediate Holdings (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: This debt has been included in Bankruptcy case XXXX. It is still showing up on my credit as an open collection.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with ALLY FINANCIAL INC. (NJ).
Issue: Problem with customer service

Complaint: Ally Financial had agreed to take off all 5 late fee 's ... 
On my XXXX and XXXX I am being hit with 5 late fee 's which there customer service at Ally Financial agreed to take off. 


They agreed To Take off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have been making all my 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 09/28/2016 about Debt collection (Medical) with Hollis Cobb Associates (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: This company continues to call my daughter, who is now XXXX but was XXXX at the time of her XXXX. Despite giving them my phone number on numerous occasions and my listing as the responsible party for finances on the account, they have never contacted me, but continue to call my daughter. Today 's call was a " XXXX XXXX '' who threatened that police would come to our house and take her to jail if the debt was not paid in full over the phone to him. I contacted the company and despite being able to pull up the account without me giving them any information, they denied that they had ever had my contact information. My daughter is XXXX and now XXXX by the way she was spoken to and the threats made by this company over the phone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Problem : In XX/XX/XXXX, Navient changed my Billing and Servicing address without my request, knowledge, or consent, to collect a bill on an open account. After contacting Navient, they responded that " they had the right to do so '' and were not obligated to send me a bill. They provided me a copy of my billing history which shows the change of address, again, without consent nor request, and the address where the bill was changed to was not correct either as it was missing the Apartment/Unit Number. I have resided at the same address since XX/XX/XXXX and have never moved. By not receiving account statements from Navient, i was not notified for three months about the status of the account, which caused it to report to the credit bureaus as an account that was late over 120 days. Navient does not have the right to change a customers billing address in their system on an open account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: trying to get my credit score. they are asking me questions to verify my identity. but i can not answer their questions about my current mortgage and credit cards because i do not know anything about them. someone has stolen my identity and is using my credit, but i ca n't get a copy of my credit report to find out what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I Called XXXX XXXX today X/XX/2017 in regards to an account balance showing my my credit reports, there was no account listed in their system for me. The reporting address for the alleged debt is XXXX XXXX XXXX, XXXX 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 explanation
Consumer complaint received 04/15/2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Account opening, closing, or management

Complaint: I have held an XXXX XXXX account with Merrill Lynch for over 35 years. The bank has now indicated that it will close this account. As I am a non-resident this will involve be in substantial loss as I will have to pay tax at the rate of 55 %.

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 10-08-2015 about Consumer Loan (Vehicle loan) with REGIONS FINANCIAL CORPORATION (AR).
Issue: Managing the loan or lease

Complaint: I purchased a XXXX Volkswagen on XX/XX/XXXX and was financed by Regions Bank. My first payment began XX/XX/XXXX. To date, I have requested by phone, email, and postal mail that someone from that company to please send me an itemized statement of all payments received and have not received any response. The car payments was not initially behind until XX/XX/XXXX. I could not understand how the car payments had become behind. I had made several payments in cash at the local branch banks and they were not all calculated correctly even after I submitted receipts of payment. I even emailed the accounts manager at the local branch in XXXX XXXX and there have been no adjustments. This company is continuing to take my money and then report me to all three credit bureau 's as consistently late. I need help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-01-2015 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My dispute is against Caliber Home Loans. Caliber used to service my mortgage loan, but it has since been traded to another company. I was reported late in 2014, once in XXXX and once in XXXX. I have spoken with them and they stated they would research and resolve the issue, but to no avail. I 've sent them supporting evidence, but to no avail. XXXX is the only agency reporting this derogatory information. It is my right to have my credit report match. Please note, I had n't missed XXXX payment prior to this loan being transferred to Caliber. I experienced many issues while they held my loan.

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

Complaint: Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Debt collection (I do not know) with Persolve, LLC - Legal - Series 2 (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Despite my written request to them, the company has failed to provide me with validation of an account they had reported on my credit report, They have persevered with reporting the account on my credit report in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX at XXXX XXXX I called XXXX XXXX at XXXX XXXX XXXX and spoke to XXXX EXT : XXXX to inquire about the late payments that occurred on my account after the account was closed. XXXX Advised that she could not see any of the late payments that have been posted onto my account. Upon doing an annual credit check I noticed that I had 2 late payments for the months of XX/XX/XXXX and XX/XX/XXXX. My account was closed in XX/XX/XXXX due to a motor vehicle accident that left my vehicle totaled and my account was closed in XX/XX/XXXX. I wrote the company to dispute the 2 late payments that had been put on my account after my account had been closed and instead on XX/XX/XXXX they posted another late payment to my account for the month of XX/XX/XXXX, 8  months after the alleged late fee occurred which caused my credit score to plummet almost XXXX points. Further more the name is reported inaccurately on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Checking or savings account (Checking account) with KEYCORP (SC).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Department of labor sent me a direct deposit. To my checking account keybank closed my account.i been trying to collect my balance for three months everytime i call keybank tells me that they dont have to talk to me.i just want my money.my account didnt have a negative balance .i dont understand i just want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (IL).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint: Recent  Netspend Account closure : I have had a Netspend account for the last few years. Recently, while going through my transaction history, I noticed a few unauthorized transactions. I contacted Netspend and filed a dispute. Netspend  conducted an investigation and ruled in my favor and returned the funds. However, no sooner than they refunded the money, they closed out my entire account, without explanation.

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