milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/17/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Citi Cards initially advised my XXXX 2017 payment was never paid. I received a letter stating now it was received, but was 30 days late. This is false. Company is refusing to take responsibility and remove these late payments. I have never made a payment outside of 30 days. I would like to know what other federal regulation agencies that I can contact to finally get to the bottom of this issue. 

THIS IS A NEW COMPLAINT, WHICH ADDRESSES THE CLAIM THAT I WAS 30 DAYS LATE.

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 03/28/2018 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Several attempts made dispute XXXX XXXX with all 3 bureaus from the time frame of XX/XX/XXXX to present. All agencies responded that the account was verified. I then requested each agency provide physical proof of verification that was used to verify account as of date no documents have been received as of yet. I went a step further to request directly that XXXX validate the collection account reporting on file. This request was sent certified mailed confirmation shows it was received XX/XX/XXXX. However as of date XXXX has failed to validate debt, respond to my request and they continue to report inaccurate information that I have no knowledge of.

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 02/28/2017 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (GA).
Issue: Account opening, closing, or management

Complaint: I opened a basic checking and saving account with Wells Fargo. I was told I would have no fees. After several months I noticed I was being charged a $ XXXX monthly fee from my savings. When I disputed these charges I was told I needed to make a minimum balance or minimum transactions which I was not informed of when I opened the account. They refused to refund the fees.

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 09/21/2017 about Mortgage (VA mortgage) with Caliber Home Loans, Inc. (MD).
Issue: Trouble during payment process

Complaint: Caliber Home Loans holds the mortgage for my principal residence. For unknown reasons, and without notice or explanation, Caliber paid approximately {$14000.00} to XXXX XXXX and the State of Maryland. The property tax bill was only ~ {$2500.00}. No explanation for the egregious over payment has been provided. Instead, Caliber contends that I am responsible for its error.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (IN).
Issue: Adding money

Complaint: I added money on XXXX/XXXX/15 and the money is still not available. When I call customer service it says my card has not been activated when in fact it has. I still do not have my money an its XXXX/XXXX/15 and NO ONE ANSWERS CUSTOMER SERVICE #

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-07-2015 about Credit card () with SYNCHRONY FINANCIAL (AR).
Issue: Billing disputes

Complaint: I have had a credit card with JC Penney 's for over a year, and while it was great at first, my account was recently taken over by Synchrony Bank. Since then, I have noticed that several times when I pay my bill online, Synchrony will wait more than 72 hours to withdraw funds from my bank account. Because of their delay and the fact that I am a college student who lives more or less paycheck-to-paycheck, there have been a few times that I had the money when I authorized Synchrony Bank to take my payment but they waited so long that by the time they withdrew my money, the money was no longer there because I have had to buy groceries or pay another bill that was due between my JC Penney 's bill due date and the time Synchrony takes out the money. This results in my account not having sufficient funds, and when Synchrony tries to take the money after 72 hours or longer they can not withdraw it, and they end up slapping a {$30.00} fee on my credit card bill, along with increasing my minimum payment ; because of their behaviour, my minimum payments have gone from about {$30.00} a month to a current minimum of {$82.00} dollars. When I called customer service to discuss this with Synchrony, they did nothing to resolve the problem and simply demanded that I pay the {$82.00} by XX/XX/XXXX. I pointed out that when I use pay my other credit cards, the payments are withdrawn in less than 72 hours, and when I asked the customer service associate, someone named XXXX, about this oddity he provided no explanation other than to defend his employer. He then dismissed my call, saying that I needed to call another number. When I asked if this was customer service, he said that it was n't, even though the automated phone system directed me to him after I chose to speak with customer service. 

Now Synchrony has closed my account and is demanding that I continue making payments on the amount I still owe. Effectively, they have bad business practices and are punishing me for their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Capital one has reported a XXXX to the irs but on my credit report its stating that I still owe a balance I have disputed this on several occasions and they have yet to change my charge off amount to XXXX if they reported as a write-off.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rash Curtis and Associates (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been threaten with a law suit and I constantly receive calls from Rash Curtis Associates at least 2-3 times a day sometimes 4 and I have asked them not to contact me. 

I did business with an Attorney back in XXXX and he was fully paid. I received a notice from Rash Curtis Associates in XX/XX/XXXX, alleging I still owe the firm that is no longer in practice a debt of {$18000.00}. The notice states the debt was for services rendered on XX/XX/XXXX which is more than 7 years old. I also advised the rep that I paid the debt in full. 

He agreed it was paid in full but told me I was late on my payments to the firm and the balance of {$18000.00} is the interest that has incurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Debt collection (I do not know) with Pono Ventures Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt can not possibly be mine. During the times that this company is reporting " Date Opened '' and " Date of Status '' I was XXXX in support of XXXX to both the XXXX XXXX XXXX at XXXX XXXX California and XXXX XXXX. I have disputed this account in the past and received no results.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Student loan (Private student loan) with Navient Solutions, LLC. ().
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: This is the 2nd time I have had Navient do this to me, I did n't bother calling them this time because I basically get told last time " it is what it is, deal with it ''. They have notified me 2 months ago that they were taking over my XXXX student loan bill ( ONE bill around $ 8k with a 5.8 % interest on it. I have just looked at my Navient account this morning ( XX/XX/2017 ) and can see that they have finally shifted my student loan from XXXX to Navient and they have conveniently turned ( again ) my ONE loan at 5.8 % interest into FIVE DIFFERENT loans with 6.5 % interest on each! How is this legal? I got notification that they were going to take over my one loan at 5.8 % interest, never did they tell me they were going to change that one loan to 5 and tack on a 6.5 % interest to each!
As I said, this is the 2nd time they have done this to me. I finally was just able to get it almost down to 2 loans ( there is around {$500.00} left on one that I was hoping to pay off this month ) from 6 different loans with them from the last time they did this. I 'm really distraught at this point and crying for help.
I also now live in the XXXX which makes it terribly difficult ( and even more costly ) to send money as I have to send the money to my parents, pay them an additional {$20.00} to take that money ( their bank charges them ) and pray that nothing happens to them because XXXX forbid they have an accident, pass away, etc. leaving me unable to pay Navient who insist constantly making it more difficult for me to pay my loans.
I am near tears here, is there anyway you guys can help? I am not at all trying to get out of paying my student loans, I know I went to school and am happy to pay the loan back at a reasonable rate, but I feel like I am constantly being kicked down by these guys and their back-handed methods of trying to find more ways to get money out of me.
I really appreciate any help or advice that can be given. Thank you for taking the time to consider my post above and please accept my sincerest apologies for the long winded-rant. I just find this really distressing. I look forward to any sort of advice/help that can be provided.

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 Fidelity National Information Services, Inc. (FNIS) (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XXXX XXXX XXXX reported fraud to my report on chexsystems a few yrs ago. When I found out last summer XX/XX/XXXX I called XXXX and they stated that they never reported i had fraud and that my account I had with them was closed because it had a negative balance. I then contacted chexsystems to remove the fraud report and they said they would investigate. 30 days later i recieved a mailer stating they needed more time and I have not heard from them since. 
The night of XX/XX/XXXX I tried to open a debit account with XXXX XXXX and I was denied because of fraud with Chexsystems. So they obviously never investigated nor removed the fraud defamation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX, XXXX, and equifax are reporting an unverifiable bankruptcy on my credit report in the amount of {$0.00}. Every time I call XXXX, XXXX, and equifax to dispute the bankruptcy they always tell me that they verified it through the courts. I went to the louisiana bankruptcy courts to see if that was true and they insured me that it was not true. The louisiana bankruptcy clerk informed me that the courts do not verify nor validate any information to the credit bureaus. She also prepared a letter to send out to me so I could have it in writing. When I called equifax and XXXX to inform them about the incorrect information they told me. They said they verified it through pacer so I emailed pacer to see if they verified anything and pacer also respond to my email stating that they do not verify anything, I will attach the email to this complaint. After getting the email and calling the XXXX to follow up with the bankruptcy dispute the guy who answered my phone call was foreign so I couldnt understand him so I asked for the u.s special handling department. A supervisor in the u.s department took my call and told me she couldnt tell me exactly how it was verified. I informed her that she was violating the FCRA laws by keeping that information from me. She then told me they may have verified it through XXXX so after talking to her I emailed XXXX to ask them how do they verify bankruptcies. They said they verified them through the courts, i then emailed XXXX back and informed them that I had spoken to the courts and they do not verify bankruptcies. When XXXX emailed me back they did not respond directly to the message they had me to call them. Upon calling XXXX and explaining why I got in touch with them they told me that was incorrect information and that they do not have the right to verify bankruptcies. XXXX, Equifax, and XXXX have constantly lied to me about the bankruptcies and gave me false information about verifying the unverifiable bankruptcy. XXXX, equifax, and XXXX are in direct violations of the fcra. Equifax, XXXX, and XXXX is reporting the unverifiable bankruptcy through hearsay of some sort and that is also a violation. XXXX, equifax and XXXX can not continue to violate my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied in XXXX with XXXX XXXX XXXX XXXX for assistance with applying for a forbearance on my home mortgage XXXX where I lost my income. I was XXXX on XXXX XXXX 2015. XXXX my finances were exhausted XXXX. I applied with Chase Bank 's Forbearance program immediately after the injury as it was offered to " Help homeowners '' until Financial changes allow my return to some financial stability. 
After waiting XXXX months and no response to our forbearance application with Chase we turned to XXXX for help. XXXX counselors have helped us compile all the documentation for the submission to the bank for the past XXXX months. 
After XXXX submitted the packet, Chase responded with requests for paperwork we submitted, some multiple times. I received phone calls directly from the bank as well, asking for what I previously submitted. The bank then subsequently sent me an entire application packet directing me to submit as if we were never working with the XXXX the bank the past XXXX months. 
This week I received an email from a loan modification expert that is not connected with XXXX and I am not working. The bank contacted her to discuss my case, a case that she is not connected to in any way. Chase Bank contacted an agent from a company that I am not working with and in my opinion violated my right to privacy by disclosing information to a third party without my permission. 
I would like assistance to filing a complaint for this violation and also file complaint that Chase has, and is delaying my modification thru their actions of misappropriating my paperwork as well and not responding to prior application I filed delaying this process now 5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Calls up to 11 times per day, but hangs up when I answer, or never leaves a message. I work swing shift, so they call either when I 'm asleep, or at work, where I can not answer their calls. Cease and desist letter sent a month ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2017 about Checking or savings account (Checking account) with EARLY WARNING SERVICES, LLC (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 have submitted several disputes to Early Warning Services ( consumer ID XXXX, ) XXXX XXXX regarding two accounts being reported as account risk by XXXX XXXX XXXX XXXX. The accounts listed do not contain my social security number or address, yet despite several disputes being filed, EWS has replied consistently that they were able to verify the information as accurate and belonging to me, which is obviously incorrect, and they are refusing to remove this information.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Checking or savings account (Savings account) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: TENS OF THOUSANDS OF DOLLARS MYSTERIOUSLY DISSAPEARED FROM MY ACCOUNT UNBEKNOWNST TO ME. AND AFTER NUMERIOUS ATTEMPTS TO OBTAIN ANY BANK STATEMENTS AND FRADGULENT CREDIT CARD PURCHASES FITH THIRD BANK REFUSES TO RELEASE TO ME MY BANK STATEMENTS ... ..AS IN NO BANK STATEMENTS XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX I WAS UNAWARE THERE WAS AN INSTITUTION I COULD CONTACT TO PROTECT ME. BANK ACCOUNT NUMBER IN QUESTION XXXX. XXXX. AFTER NUMERIOUS ATTEMPTS TO RETREVE THESE STATEMENTS .... NOTHING. PLEASE HELP ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (TX).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: This formal complaint is against Nordstrom Credit Card. I have never ever been late on this Nordstrom account. 

Between XXXX and XXXX XXXX, I specifically visited and purchased numerous items from Nordstrom XXXX in XXXX, Texas where I reside. I was specifically going out of the country for 3 weeks and specifically asked an Assistant Manager by the name of XXXX, in person at the cashier stop if returning items where sufficient to meet the minimum payment due. Her exact response to my face was " yes, it XXXX take XXXX hours to process the refund. '' The amount of the refund was MUCH GREATER than the minimum payment due for XXXX payment, thus I comfortably left the Nordstrom XXXX store with return receipt in hand knowing a much greater minimum payment in a form of a credit due to returns would be applied to the card. 

Since this date, Nordstrom has violated the Fair Credit Reporting Act XXXX FCRA XXXX for erroneously reporting negative information directly due to their employee telling me facts which were wrong. 

They should see the history of the entire account since inception and see I am an exceptional customer, continuously purchase from Nordstrom and Nordstrom XXXX for years and absolutely ALWAYS pay on time for years. 

I have retained counsel and before we file a lawsuit, my lawyer suggested a complaint be sent to the Consumer Finance Protection Bureau, the Attorney General Office here in Texas and also the FTC. As of XXXX, XXXX XXXX, XXXX, all 3 complaints have been submitted. 

I am giving Nordstrom until XXXX XXXX, XXXX to completely remove the late payment from my Credit Reports due to their employee error and so they immediately stop violating the FCRA and causing willful damage and costing my much higher rates now and in the future with other creditors '. 

Thanks for your time. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Checking or savings account (Checking account) with FIRST CITIZENS BANCSHARES, INC. (MN).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: XXXX   XXXX   sold their banks to  First-Citizen s Bank & Trust Company  ,  XXXX , NC. My direct deposit on  XXXX / XXXX /   2017 was not   received, causing an overdraft of {$37.00} and I was charged a fee to high for a program I was part of, paying {$7.00} a month fee. If I was over drawn I was charged an aditional {$2.00}. My account is {$190.00} overdrawn. Why were the ccustomers NOT notified.  <P/> I am changing to another bank and receiving a check from the company that pays me   2x a month.
<P/>  I was unable to go into my investment acoount to pull mony out on Friday  XXXX ,  2017. It was  too late in the day when I discovered  XXXX  was sold.  <P/> I had Banked with   XXXX   XXXX   for  10 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 monetary relief
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Violation of Fair Credit Reporting Act 623 ( a ) Responsibilities of furnishers of information to consumer reporting agencies/ ( a ) Duty of Furnishers of information to Provide Accurate information ( 1 )  Prohibition ( A ) Data furnishers are prohibited from reporting information with actual knowledge of errors ... ... 

After checking my credit reports, I noticed a 30 Day from Wells Fargo from the month of XX/XX/XXXX. 

1. On XX/XX/XXXX, I sent Wells Fargo a handwritten letter ( attached ), certified mail ( return receipt attached ), stating that I made several Credit card payments for the month of XX/XX/XXXX. I sent them two copies of proof of payment along with transaction ID numbers. 

2. On XX/XX/XXXX, I received a letter from XXXX stating they verified the account information as accurate ( attached ) 3. On XX/XX/XXXX, I received a letter from XXXX  stating they verified the account information as accurate ( attached ). 

4. On XX/XX/XXXX. I received a letter from Wells Fargo stating the information they supplied was correct. 

5. Therefore, on or about XX/XX/XXXX, I sent a notarized Affidavit ( attached ) to Wells Fargo with my Drivers license, certified mail ( return receipt attached ) stating that I made several payments to my credit card in XX/XX/XXXX and I was not 30 days late on my account. 

6. Additionally, I sent more notarized Affidavit, certified mail ( attached ), to XXXX and XXXX   asking for method of verification. 

To date, Wells Fargo has not corrected their obvious credit reporting error. 

I am supplying two proofs of payment for the month of XX/XX/XXXX and proof that the payments were debited from my checking account from Wells Fargo in XX/XX/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