milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (MS).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Received a letter on  XXXX   XXXX ,  2017  to decrease credit line. It provides generic reasons for creditworthiness along with a  credit score d ated  XXXX   XXXX ,  2017 . This card carried no balance until a month ago when I put a hotel room deposit on it ... lowering the balance will negatively impac t my credit score - - so I want to challenge this decision to lower my limit.

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 05/27/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: 3rd party Debt collector is trying to collect wrong amounts on a credit account That I supposedly had. This debt possible could even be past the statue of limitations if I owned this account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Vehicle loan or lease (Loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MI).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Member Client XXXX worked with as a loan Bank Teller form USAA on or around XXXX XXXX, 2015, the teller made an inaccurate dollar withdrawal from XXXX XXXX XXXX XXXX  account in the amount of XXXX. The correct amount should have been for XXXX dollars as check states, the reminder payoff balance of loan should have been pulled from XXXX personal checking, XXXX check issue date is XXXX XXXX, 2015 a  number of attempts to work with USAA to correct concern failed short, and reporting non accurate information to credit reporting agencies and not adhering to Fair Credit Reporting Act. Security data breach concerns were raised because of the additional XXXX dollars removed from XXXX XXXX  account was consider fraud, inaccurate again the number should have been XXXX. The action of a USAA teller taking more out of a business account caused insiffient funds with XXXX and 30-120 day delinquency on my credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing a complaint on Equifax because I have sent them a request for verification of debt ( I am attaching the letter I sent on XXXX XXXX, 2016 ) on XXXX accounts which I dispute which are currently being reported on my credit file. I asked them to provide me with specifics about their investigation and for a written response to contain those specifics. 
{ XXXX } They have not, as of yet, not responded to my request. It is past the time allowed for them to do so, and I submit that they must delete these accounts from my report as a manner of course, in order to protect my rights as a consumer, under the FCRA. Please ask that they either send me the requested information immediately or remove the accounts listed in my letter. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian is denying my rights under the FCRA to dispute personal and account information. They continue to tell me they will not reinvestigate my dispute, but never complete the investigation to FCRA standards, i.e. Showing me proof of verification and how they verified these accounts and personal information. They have an incorrect name that is reporting on my credit file that needs to be taken off.

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 01-06-2018 about Debt collection (I do not know) with National Enterprise Systems, Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from National Enterprise Systems ( NES ) dated XXXX XXXX XXXX stating that I owe a debt of {$11000.00} to a creditor with which I do not have any debt nor account. I immediately replied with a letter stating that NES was mistaken, the debt was not mine, and I requested validation. NES responded with a letter dated XXXX XXXX XXXX and a copy of a barely legible judgement from a court in state in which I have never lived and provided no evidence that the debt belonged to me. The amount due was also increased to {$11000.00}. A search on the Internet reveals that there are many people with forms of my name and approximate age. This is a case of mistaken identity.

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 11/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (WV).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XXXX XXXX, I placed a payment of {$100.00} on my account with XXXX, which was over the minimum amount due on an account with the balance of {$3200.00}. On XXXX XXXX, I posted a second payment for the rest of the balance due of {$3100.00} that was the balance on the account on that date. On XXXX XXXX, after there was {$0.00} balance on my account, I was charged interest in the amount of {$44.00}, with that amount due during my next billing cycle. This was also after I had ONE late payment ( the only one in my credit history ) with XXXX, and they instituted a penalty rate on my card AND decreased my credit limit to make it appear that my card was maxed out, without notifying me, several months after the late payment occurred. This ended up hurting my credit score, when I otherwise had excellent credit and payment history.

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 04-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I owned the property which is financed by XXXX XXXX XXXX XXXX. I divorced and the ex-wife was awarded the property and all responsibility was placed on her for the mortgage of the property. Absolute divorce was granted on XXXX XXXX 2007. This is the only item that is negative on my report and I wish to improve my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (SC).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Opened account on XX/XX/XXXX, paid as agreed up to todays date of XX/XX/XXXX. 
Santander has refused to timely communicate or resolve the 4 missing payments to date. 
The dates of the missing payments are XX/XX/XXXX,XX/XX/XXXX and 2 payments combined on XX/XX/XXXX. 
Santander uses a 3rd party to process their payments ; XXXX XXXX speed pay. 
XXXX XXXX confirmed they processed these payments successfully, and certified/notorized bank statements have been provided as well. A complaint about this issue, but only the first 2 payments were involved, the payments from XX/XX/XXXX are completely seperate and new. 
Santander has had numerous similar complaints filed against them that are available on the internet. 
They are acting like thieves, not returning calls or communicating to resolve this major issue. 
My attorney has attempted to contact Santander, only to have Santander claim they needed a release to discuss my account, but a release was provided over a month ago, confirmed received by Santander, but still no contact. 
This behavior is unacceptable, and harmful to me, as my credit score went down over 150 points and lost income. 
Their policies are against the laws and need to be rewritten to comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: {$6000.00} of balance from XXXX XXXX, which was a different bank at that time, has been on my credit report for 7 years. I have tried to remove them but has not been successful. I am not sure if this belongs to me. I would like this balance to be removed my credit history.

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 09/21/2015 about Debt collection (Non-federal student loan) with The CBE Group, Inc. (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Called my wife on her cell. About a student loan my FATHER DECEASED SINCE 1991 took out. Perhaps for my education. She somehow had my SS data but wrong birth date etc. But again kept calling my wife. Saying wage garnishment XXXX etc. Then asked income questions AND wanted paystubs. 

How did she get my wife 's number. Never met my father. Just seems odd

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GU).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: On XXXX XXXX, XXXX, I filed an Identity Theft Complaint with the XXXX Attorney General Office, XXXX, and my banking institutions as there was someone who had access to my XXXX credit card account to pay for monthly credit reports from XXXX from XXXX XXXX to XXXX XXXX. 
In addition, I received a letter from Navient on XXXX XXXX informing me of my rights as a borrower. I shared with the AGs Office that I believed someone would use the information from XXXX to apply for a student loan. 
I called Navient and had written to them of my concerns. On XXXX XXXX, I received a billing statement indicating that I owed {$320.00} unpaid principal from an old XXXX XXXX loan of XX/XX/XXXX. Navient is contending that the loan was an outstanding balance from an old student loan of XX/XX/XXXX. I informed the customer service representative that I had paid off that student loan in XXXX. I personally had called XXXX XXXX in XXXX and the customer representative approved the amount of {$20000.00}. The balance in XX/XX/XXXX was {$20000.00}. I then borrowed a personal loan from a local lending institution to consolidate my outstanding loans, one of which was this XXXX XXXX loan. In no way was this Navient loan mine. Navient disagreed. I then asked that if, in fact, it was my loan why was n't I contacted. Navient shared that the only address it had was an old email address. The former mailing address was no longer owned by me. I do not believe Navient was unable to contact me. The old mailing address was a post office box. The post office would have forwarded all my mail to my new address which is situated in the same building for 30 years. I am in fear that someone used my personal information to concoct this loan to pay off someone else loan. Navient has not responded to my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I reported suspicious activity on my credit card in XXXX to chase bank also informing them that my card was missing. The suspicious activity was reported prior to the transaction clearing. Chase will not credit my account for the fraudulent charges to my account of {$8700.00} My Chase bill shows the following XXXX/XXXX/2016 Debit Card Transaction IMAGEXXXX XXXX XXXX XXXX XXXX X XXXX ( EXCHG RTE ) + XXXX ( EXCHG RTE {$8700.00} First of all XXXX x XXXX = XXXX not XXXX Chase is now trying to use my confusion about the matter ( which mathematically makes no sense ) to say that I 'm somehow at fault, or changing my story because I originally though it to be an overcharge. 
Chase will not contact the merchant for proof of this transaction, even though there have been multiple fraudulent transactions reported from this merchant. I do not feel it is safe to use a debit card if this type of fraudulent activity is not protected.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: After the housing market bubble burst, my husband, XXXX, went from making XXXX figures to stick figures ... .i asked Navient/XXXX about my options ... they suggested forbearance. I was on consecutive forbearance since XX/XX/XXXX I believe because they said that was my only option. I began paying XXXX XXXX in XX/XX/XXXX and then Navient took over. I have tons of late fees and interest to where my balance is above what I borrowed. My account number is XXXX. My XXXX repayment plan i started is to end in XX/XX/XXXX. I can currently afford what I am paying now but in XX/XX/XXXX I '' m not sure what I will do. I have loans from XXXX at XXXX University XXXX Pennsylvania and for one year of tuition at XXXX University XXXX XXXX XXXX in XXXX Pennsylvania. Navient wo n't pull my payment history from the days when I was paying XXXX XXXX so I ca n't download that history of payment. At one point i owed just {$34.00}, XXXX ... now it 's {$43000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I am a XXXX assisting a client with a modification. There are XXXX issues that are complicating the modification process stemming from new company/servicer procedures at Chase. First : The rep I have been dealing with has been very courteous and informative ; however, due to the " new company policy '' the direct phone extensions have been XXXX and other reps who answer my call are no longer allowed to transfer me to the case rep. which is making things very difficult as I have to explain the situation to multiple people ; many who are not as trained as well. This is a new procedure that has just taken effect over the last 2 weeks. Second : Although we have used the XXXX Loan Portal in the past when dealing with Chase, none of the reps in the modification department seem to know how to access those documents and I have had to resort back to faxing them in.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (Other debt) with CURO Intermediate Holdings (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX  is trying to collect on a debt for a title loan account via   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . I do not recall ever having a title loan through this company and have tried repeatedly to get proof the debt belongs to me by requesting a contract from  XXXX   XXXX  bearing my original signature.  XXXX   XXXX  has been unable or unwilling to provide this information. I have reported to all  XXXX  credit bureaus that  XXXX   XXXX  has been unable to provide this information and the debt still remains on my credit.  XXXX   XXXX  is also reporting false information on the date this account was opened. According to the statement I was sent, it was opened in  XX/XX/XXXX   and  XXXX   XXXX  states it was opened   XX/XX/XXXX  . Per the Fair Credit Reporting Act, changing the date the account is opened/closed is agains t Federal  Regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (Credit card) with Alliance Data Card Services (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am getting calls from an "unknown" number and when I answer they hang up and call one more time. It's always two calls in about 5 minute intervals.This has been happening for roughly 3 weeks now and recently when I answer the second call they tell me who they are calling for.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Andrews & Cox, P.C. (IN).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: After an Emergency Exemption Hearing on XXXX XXXX, 2016, plaintiff attorney XXXX XXXX XXXX of XXXX asked to meet with my wife and I in the hallway. When we asked the questions, " Why did we not know about the lawsuit? '' and " Why does n't your office return phone calls? '' XXXX XXXX got very defensive and told my wife XXXX XXXX XXXX, " I know what you do for living. I can have you arrested for calling my office. '' XXXX went on to ask about all of the complaints filed against them from the XXXX Office, to which XXXX XXXX stated, " I 'm licensed in XXXX states. You have no idea how powerful I am, I know people and I know where you live. You better be watching over your shoulder. I WILL hurt you, and destroy your business ''. XXXX reached in her bag for her phone, and he tried to take it out of her hand. When she turned to avoid his grab, XXXX XXXX tried to grab a folder out of my wife 's hand, which contained the complaints. She backed up and told him not to touch her or her things. So, he grabbed her wrist and said, " Let me see what 's in the folder. '' XXXX pulled away from him, visibly shaken, and said to XXXX XXXX, " We 'll see you in court. '' We immediately filed a police report with the XXXX XXXX XXXX XXXX XXXX. XXXX # : DP XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Credit card protection / Debt protection

Complaint: I paid for a facility for my daughter with mental health care issues for 3 months and the last month the provider moved my daughter against her will to a low-level facility causing her extreme emotional trauma resulting in a XXXX. I paid {$5500.00} for the month and the provider paid {$2000.00} for the unauthorized house they moved my daughter to. I am asking to be refunded the last month. I DID NOT RECEIVE THE SERVICES I PAID FOR-

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 01-03-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have provided documentation to all the XXXX reporting agencies and only Equifax has chosen to leave the tax lien, which was found to be an error by the state of XXXX, on my credit report. I have done everything that I can do on my end to resolve this issue. Please assist me in anyway that you can.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Deposits and withdrawals

Complaint: I am so tired of Bank of America and their way they do banking - fed up beyond belief ... you can not imagine my frustration - I 'm done with you guys unless you refund those fees at once. This is the XXXX time in 6 months that I have to lodge a complaint. When I awoke yesterday morning ( Thursday ) my account had gone in the negative by {$8.00} or so. At approximately XXXX XXXX or so I transferred the difference from my business account to bring me to a XXXX balance ( well within the XXXX XXXX cut off time ). As I now work night shifts, I checked my account several times, including at XXXX where the balance was {$0.00} just where I left it. At XXXX XXXX my direct deposit went through and after a transaction I had {$830.00}. Did n't feel the need to check it again but did before I went to sleep ( which should 've been XXXX minutes ago ). What I saw caused my blood to boil and frustration is thru the roof - Bank of America charged me XXXX - in the total amount of {$70.00}!! I know the bank is doing things different because my roommate is going thru this exact same thing with his account ( which he too lodged a complaint ). I am taking this to social media next - this can not be the way to keep your customers - I have been XXXX for just under 10 years and am completely fed up!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-07-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Other

Complaint: Capital One is FRAUD! I have contacted them in the XXXX, MD Branch & Written letters! 
I had theft on all my capital one credit cards- Business & Personal were taken and used XXXX XXXX XXXX XXXX exp XXXX XXXX XXXX XXXX XXXX exp XXXX now the Business was removed from my credit report after contacting you but personal is reporting false!!!! I have also paid off my auto loan with them to get rid of capital one completely from my life since they careless to help me! That reports still owed! I do not trust them and they 're reporting false on my credit reports! They closed an active Justice account that was current and then reported that as well. I want them to remove the false reporting and fix the situation and help me! They charged XXXX in fees on a checking account that was compromised too, we need to further investigate them I bet others are taken advantage of too!

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Bank account or service (Checking account) with AMERICAN EXPRESS COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: MY account was closed with American Express bank, but i never received the money that was in my account, there was about XXXX dollars still in my account when the account was closed, and i have yet to received the money and its been MONTHS

Company response to consumer: Closed with explanation