milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/31/2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I am XXXX XXXX XXXX. Have health issues. Provided my son a list of creditors, banks, a brokerage house. When I die, he 'll be able to communicate ; close accounts. Receive in return, outstanding investments. <P/>I created this policy at least a year ago. From time to time, contact creditors and such, to verify that the information I provided my son is accurate. <P/>XXXX XXXX XXXX, I entered Fifth Third Bank, XXXX XXXX XXXX, XXXX, FL XXXX. Ph. # XXXX XXXX. Communicated with XXXX XXXX, Personal Banker II. <P/>Ask that he update procedures ; what my son most provide / accomplish, to close my checking account when I die. <P/>Was informed, ''-Send a copy of the death certificate. '' I was astounded. Asked if it need be a copy or an original death certificate. '' The response, ''-A copy is fine. '' XXXX XXXX indicated that my son is the designated beneficiary.. Mentioned, ''-we do n't have his social security number. We 'll need that. '' Was told to come back after lunch as XXXX XXXX 's lunch hour approached .... some 30 to 40 minutes later. ( For the record, I am a seven minute ride, give or take from this office. ) Upon arriving home I reviewed my documents ; Fifth Third Bank ; Policies/Procedures. Discovered when I opened the account I was instructed, when my son contacts the bank to close the account, he must provide an Original Death Certificate, a copy of his drivers license and a notarized letter indicating he is the beneficiary. What he wants the bank to do to fulfill his requests. <P/>Upon returning to the desk of XXXX XXXX, I mentioned my discovery, as mentioned above. He replied, ''-well, yeah. That would be useful as well. '' When I asked why the person who opened the account did n't request my son 's social security number, he simply could not explain why. <P/>Upon leaving this bank, I went to a XXXX location. Shared with a representative what I mentioned to you. <P/>The Representative stated, ''-there is no reason why you would have to surrender your son 's social security number to him. '' Woa! <P/>I realized that my notes ; Policies and Procedures, concerning clearing the account, that XXXX XXXX did NOT indicate that my son must present his Soc. Secur. Card. <P/>THERE IS LEGITIMATE REASON WHY XXXX XXXX DEMANDED THE SOCIAL SECURITY NUMBER OF MY SON! <P/>I phoned Fifth Third Bank-HQ this morning. No one provided Policy & Procedures. Demanded that my son 's Soc. Secur. number be purged from 5th 3rd. computer. Was told I 'd be contacted within 24-48 hours. <P/>I stated that I receive a letter indicating my son 's Soc. Secur. number was purged. <P/>I AM horrified. Dejected. Believe I put my son 's security / life and his family 's in HARMS WAY! <P/>Help me! I believe I have been intentionally deceived. Do what must be accomplished. <P/>Thank you. <P/>XXXX XXXX XXXX XXXX XXXX, XXXX , FL XXXX Ph # XXXX XXXX Screen name ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I disputed the account several times by stating validation that I signed paper work with your company to show a collection on my account. I faxed over a letter asking them to remove it and she stated that the letter just goes in a file and this was submitted by XXXX XXXX XXXX. I told her that this should have been reported by XXXX XXXX XXXX and not there company. South West credit system in the amount of {$780.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TekCollect Inc. (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Called wanting XXXX $ forwarded them an email from original company demanding debt stating I only owed XXXX $ still calling saying I owe XXXX $ and something now.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Disputed XXXX negative items on my credit, XXXX XXXX and Acount XXXX XXXX and outcome was that would deleted from my credit reports with all XXXX credit units. still is reflected on reportAlso a dispute about XXXX and the First Mark XXXX. These car where given to exwife in divorce court, but she will not refinance under her name, but she is pay for them. Need to be removed from credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with John C. Heath, Attorney at Law, PLLC (CA).
Issue: Fraud or scam

Complaint: I have several inquiries on my credit report. I also have charge offs that should be removed from my credit report. I have spoken with XXXX XXXX about my score to no avail. I do n't know my credit scores from all 3 credit bureaus XXXX XXXXXXXX XXXX and XXXX. I would like for all of the credit inquiries to be removed as well as the charge offs and paid off credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a hard inquiry from XXXX XXXX that I do not recognize or authorize from XXXX of 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 12-11-2016 about Credit card () with DISCOVER BANK (VA).
Issue: Other

Complaint: Discover credit needs to be investigated for fraud, and bait and switch practices. There is no {$0.00} fee charged each year, despite the attached online statement made by their company. Fees ARE indeed charged each year by Discover, they are exorbitant, and they continue to lie about it. This is a discriminatory practice, and it is unlawful. Discover should not be allowed to make this statement, as it is a lie. Discover does indeed pull a bait and switch on the consumer as a result of this front page statement, and continues to advertise incorrect information to an unsuspecting public. 
This continues the complaint I made about Discover Credit on XXXX XXXX, 2016 ; to date have received no reply from Discover to my complaint, and in fact, continue to be ignored by Discover Corporation regarding my email dated XX/XX/2016.This is a bait and switch complaint. It will continue to be this way until I receive a correct settlement of account for my credit card balance for Discover credit minus the yearly fees that their company supposedly does not charge. I need the corrected balance minus the exorbitant fees that I was charged was all that I requested. This request as per XXXX/XXXX/2016 continues to go ignored. Why?! I do need an itemized statement sent by US Mail, so I can settle this account. Thank you for your assistance in this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: synchrony XXXX  is refusing to correctly update my credit utilization ratio in a timely manner so that they can control peoples credit and lives. They also are stopping me from copying and pasting my payment history somehow as evidence.

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 11/27/2017 about Vehicle loan or lease (Lease) with SANTANDER CONSUMER USA HOLDINGS INC. (VA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: To Whom it may concern : I previously had a lease with XXXX XXXX from XX/XX/XXXX to approximately XX/XX/XXXX for a XXXX XXXX XXXX XXXX, which is now free and clear of my name. During the period of the lease I received numerous billing inconsistencies from XXXX XXXX, stating time-and-time again that I owe them additional money for fees associated with personal property tax that the county bills the leasing company, and they in return pass the fees on to me for payment. After receiving the personal property tax bills from XXXX XXXX, I remitted payment for the specific amounts in question for each bill I received ( attached ). However, after paying the tax bills to XXXX XXXX I continue to get letters from them stating that I owe money for the tax bills. I have tried several times to resolve the dispute for well over a year now with no success. The latest letter ( attached ) states that I owe them {$4000.00} for taxes, with no itemization as to what the actual money is for, other than it 's for personal property tax. Earlier in the year when this came up I went to the county to pull the personal property tax records for the vehicle, and then compared those amounts to the electronic payments that I made to XXXX XXXX for those amounts ( also attached ). Moreover, the money they are seeking now does n't add up to the total amount of tax owed for the vehicle which makes the case even more perplexing. 

I 've attached the latest letter from XXXX XXXX along with the county tax records for the vehicle with the corresponding tax payments I made to XXXX XXXX during the period in question. I would appreciate the CFPB intervene to help resolve the matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I HAVE ATTACHED MY DRIVER LICENSE FOR NAME SPELLING AND ADDRESS PROOF. ON MY CREDIT REPORT I HAVE FRAUDULENT NAME SPELLING AND ADDRESSES ALSO SOCIAL SECURITY NUMBER VARIATION THAT IS NOT MINDS. I EVER GAVE ANY ONE CONSENT TO USE MY PERSONAL INFORMATION IN ANYWAY. I HAVE ATTACHED MY CREDIT REPORT WERE THE FRAUD IS SHOWING.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (DC).
Issue: Account opening, closing, or management

Complaint: I enquired at an ATM about my account balance, at TD Bank. I now see that I have been charged {$3.00} for the enquiry. There was no warning at the ATM machine that I would be charged. When I called TD Bank to complain the person who answered agreed that this is XXXX of their more obnoxious, non-transparent fees but he could not do anything about it. Can you look into this ludicrous fee and the lack of transparency. Thank you. The account is a TD Business Convenience Plus account, although I understand now from the bank that it applies to other banking products at TD Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-08-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I went to the Suntrust Bank in several locations where I was being followed by XXXX Men and Women discussing my bank account and making false allegations about my personal life. I have a block on my debit card on which I do not know why. Can you help me? I am being harassed about issues that I am having with the XXXX. They are trying to make it look like I have major problems with causing XXXX XXXX to make allegations about me and my mental fitness. I need access to my bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They place repeated robo-dialed calls to my cellular telephone, sometimes as many as XXXX in one day. Each time I answer, the computer voice asks me to hold while it connects me to an agent. The dates and times of the calls are:
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Under the FCRA, my credit report is supposed to reflect information that is 100 % accurate. As it stands, my credit report is reflecting inaccurate addresses, names, accounts, etc. The accounts in question are tied to addresses that are not mine. I have sent numerous disputes and will move to file a lawsuit for the damage the inaccurate reporting is causing if it is not rectified immediately. I have sent countless letters, disputes, uploaded my ID to each Bureaus Corresponding website, mailed proof and still inaccurate reporting of my name, address, and accounts are reporting on each of the reports. None of the reflected, " defaulted '' accounts showing balances could personally locate any files with my namesake and information, so how are each of the bureaus reporting? What is the method of verification? If this can not be furnished accordingly via signed contract bearing my signature, they must be deleted immediately. XXXX is not a reliant source for updating credit reports with unverifiable information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2016 about Consumer Loan (Vehicle loan) with U.S. BANCORP (IL).
Issue: Shopping for a loan or lease

Complaint: XXXX XXXX I was talked into applying for a used car loan. 

XXXX, The assistant branch manager and XXXX XXXX XXXX, the branch manager guaranteed me that this would only be a soft hit to my credit. They told me they would do a soft hit, come back with an offer, then if I accepted that offer they would do the hard hit. I 'm trying to get my credit and everything in line to buy a house, so I did n't want my credit touched. I 've never heard of it being done this way but the XXXX girls swore up and down it will not affect my credit so I gave them my information. In the next day or two I seen they put a hard hit on my credit. I spoke to XXXX XXXX who said the policy must have changed and she can have it taken off. I filled out the form to get the hard hit taken off and was told it would be taken off within the week AND to stop worrying because they do this all the time. 

XXXX XXXX I seen the hit was still on my credit. XXXX XXXX has me fill out the same form again and said she 'll call me Friday, which did n't happen. I called her the following week and was told she 'll call me tomorrow, which did n't happen. The next week I called her again and was told I have to wait 30 days ( from the day I filled out the XXXX form ) for something to come in the mail. XXXX days later I never received anything. I spoke with XXXX XXXX who is the distract managers assistant. XXXX spoke with XXXX XXXX who said I was given the wrong form to be filled out. In order to take this hit off my credit I need to mail them a statement of what happened, my social security number, and a copy of each of my credit reports that show the hit. 

-I 've spoken to a manager of US Banks customer service and XXXX branch managers at other local locations, they all told me that they have never done soft hits and do n't know why I would have been told this. So I was lied to. How many people do they say this to but do n't check their credit so never know? 
-It 's been XXXX months and I 've had to basically chase this branch manager down to get answers. 
-US Bank already has all my info, but now I have to mail them the same info and more.

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 11/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have sent Trans Union numerous requests asking them to please investigate and correct some accounts in my credit report/file that are reporting incorrectly and they are not responding.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I contacted Equifax to dispute XXXX debts that were n't mine. They never sent me notification the dispute was properly investigated. They simply stopped sending me e-mails telling me they were working on the dispute. I checked on the website but was denied the ability to view the results. This was different than a previous address dispute that was handled in the same manner. In that case I had no problem viewing their results. When I called on the phone, they simply said the creditor verified the debt but would not tell me how or provide me any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit card () with KEYCORP (NY).
Issue: Credit card protection / Debt protection

Complaint: On numerous occasions I have called to fix my Key Bank online banking because they locked it out when they merged with First Niagara. I provided my full social so they could pull up my account. Apparently that 's not enough to verify my identity. I proceeded to provide my address on file, as well as my date of birth .... I was told that still was n't enough. They proceeded to ask me more " Public Record '' questions, which most of these questions did n't even apply to my life. After answering them I was told they still could n't verify who I was and could go no further in this call. I asked for a supervisor and at first was denied this. After asking 3 more times she placed me on hold. I held for over 20 minutes and finally had to hang up because no one came back. They are now charging me late fees and more interest because I can not pay my bill and they wo n't allow me to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Consumer Loan (Installment loan) with Enova International, Inc. (VA).
Issue: Taking out the loan or lease

Complaint: never took a loan with cashnet

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SECURITY FINANCE CORP (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: During the Month of XX/XX/XXXX, I made a request for a goodwill adjustment of my credit. I've continued my account for the past 8-10 years with only one payment past due during either XXXX XX/XX/XXXX My request for a Goodwill adjustment was denied. I always acted reasonably with my account. My wifeXX/XX/XXXX onXX/XX/XXXX, at which time I inadvertently missed a payment. I have been and is still current on this account since my inadvertent error. I simply think this creditor is being unreasonable in this instance due to my long credit history with them which proves my creditworthiness.

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 07-05-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have recently settled a debt in collection. I am trying to dispute the collection as already settled. I have tried submitted a dispute online but the verification information I gave was incorrect. Now, Equifax says I need to fax in my dispute. There is no fax machine available to me and this negative collection item is damaging my credit. I would like to dispute the item as settled but I can not move forward with the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Debt collection (Credit card) with The Bureaus, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In XX/XX/2016 I was a victim of Identity theft. Once I found out about this I filed the proper complaints with the FTC notified XXXX of the ID theft. I provided them with the reports and they closed the account. They then sold the account to this company who is now refusing to provide a dunning letter, accept my ID theft report or even validate the alleged debt after sent a letter demanding validation. The statutory time frame for validation is 30 days that has passed and no response. There answer to me over the phone is that they do n't have to validate anything, your not a lawyer you do n't know what your talking about and then offer me to settle the debt for pennies on the dollar. I have stressed to them that this is not mine and they do not care. They said XXXX would not have placed it with them if it was not my debt. I sent a do not call letter and they still call. I sent a debt validation letter that they ignore.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XX/XX/2016 I disputed inquiries on my credit report. TransUnion sent me an updated credit file dated XX/XX/2016 with XXXX inquiries still reporting that I disputed. I have not given permission to XXXX XXXX XXXX XXXX, or XXXX to pull my credit report and I do n't know what procedures were used to get my report. As of today XX/XX/2016 the inquiries are still being reported.

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