milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/26/2016 about Prepaid card (Gift or merchant card) with U.S. BANCORP (CO).
Issue: Fees

Complaint: I am a Colorado resident. I have a {$100.00} Visa gift card that had not been used in a while, so I went online to check the balance. The online service showed a remaining balance of {$38.00}. Then I looked at the activity. It only showed back to XXXX/XXXX/2016, and showed a {$2.00} inactivity fee had been charged each month for the past six months. I have no way to know how far back these fees go. This is obviously not the full history, since no purchases were shown and there is no way to get to a balance of {$38.00} in {$2.00} increments. Colorado Revised Statute, Section 6-1-722 and Section 38-13-108.4 prohibits expiration dates and service fees, dormancy fees, inactivity fees or any other fee. The back of the card states, " U.S. Bank will deduct from your balance an inactivity fee of {$2.00} per month after 12 consecutive months of inactivity except where prohibited by state law. '' I called U.S. Bank and described the situation ( although I forgot to mention the incompleteness of the online activity information ). The person I spoke with placed me on hold to check what their rules are, and when she came back she informed me that the card was not issued by a Colorado bank and therefore is regulated by federal law, which permits the fees. I believe that my state of residency is the governing authority, and I said so. The customer service representative simply told me that is the law and there is nothing she could do. 

The card was purchased in Colorado and given to a Colorado resident. If federal law rather than Colorado law applies here, I will drop my complaint ; however, I would maintain that the " except where prohibited by state law '' phrase on the card is misleading in that case, since there is no indication as to which state that would be if it 's not the state where the card is purchased and used.

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 10/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Nevada Credico, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Collection agency has failed to provide debt verification notice as it was required by FDCPA for me to dispute the debt. I also called to the agency and mailed them to validate the debt.

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 03-08-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Mortgage (FHA mortgage) with Selene Finance LP (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I would like to lodge a complaint regarding Selene Finance, to whom my mortgage with XXXX XXXX XXXX was sold. My payment in XXXX XXXX was 'credited wrong ' and took three phone calls and a letter to resolve. In the interim, the missed payment was reported to the credit bureau, and still, after establishing that it was paid, shows up as 'unknown '. This month, I called in my payment four days before it was due, and today, a week later, nothing has been debited from my checking account nor posted to my account on their website. Upon calling them, my call from XXXX is recorded to make the XXXX payment, but 'does n't look like it was completed '. I asked if it were submitted again today if it would show up as being paid last week as requested on the first phone call, and was told that no, it would be credited with today 's date. 
Additionally, I have completed a Chapter XXXX, which was discharged in XXXX XXXX. The mortgage was paid outside of the bankruptcy and no payments since its inception in XXXX have ever been late. Selene will disclose no information to me because 'it 's handled by the bankruptcy department ' and needs to be requested by my lawyer. 
I now have no confidence whatsoever that payments made on time will be credited properly, and as the Chapter XXXX has been closed, I would have to re-engage the lawyer for communications regarding a mortgage that was never part of the bankruptcy to begin with. " Losing '' two payments in less than two years is ridiculous and I feel I have no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit card () with BARCLAYS BANK DELAWARE (NC).
Issue: Late fee

Complaint: My Barclays credit card payment was made on XXXX/XXXX/2016 in the evening. I began receiving collection calls from Barclays bank about a pass due balance because my payment was not made by XXXX. I ask Barclays to please make an exception and waive the late fee. The is not typical credit card payment policy. People tend to forget this little fact about this particular credit card. Barclay card refused to waive the late fee. My position is that the payment was made on the due date, a cutoff time of XXXX is just their way of extorting additional credit charges from account holders. Subsequently, Barclays continues to add late charges onto my card balance. This alleged pass due balance was created by Barclays. I will not accept, nor acknowledge the late engineered late charges generated by them. This card was aligned with XXXX, now American airlines. The half price airline voucher they issue annually as a perk is never usable or accepted by the airline for XXXX reason or another. I am asking CFPB to review Barclays Bank credit card collection practices and to have this bank remove the late charges they keep tacking onto my credit card balance. I have closed my account with them due to their terrible customer service. I am always left on hold for over 15 minutes when I ask for management staff or disconnected and ask to re-verify my Identify after I have already entered that information when I placed the call. I have been denied service when I refuse to do so. I feel they use these tactics to discourage their customer to dispute issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX from this agency called to collect an amount that he claims I owed to a prior landlord. This amount is in dispute. The landlord engaged in deceptive business practices and violated the XXXX XXXX XXXX by failing to provide services such as running water. XXXX XXXX repeatedly attempted to question me after I requested that he stop asking me questions. He threatened me with negative action against my credit rating and implied that other bad things would happen to me and my credit. Again, I told him that I was in a legal dispute with his client, but that did not keep him from harassing me with additional questions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
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: XXXX  has had an item on my credit report for longer than the allowed time. This account was opened in  XXXX  and was paid off, however this company continued to change the account number and each time created a different line of credit to the point where it looked like I had  XXXX  cars with  XXXX . After speaking with them and informing them that this account is inaccurately being reported as opened in  XXXX  when all the contracts state  XXXX . They removed the other accounts yet left an incorrect account on my report that shows opened in  XXXX . Furthermore this account was paid in full and yet they have it being reported as a repossession. I have filed dispute after dispute with the agencies and they have never investigated thoroughly to see the account was opened in  XXXX  and not  XXXX . This mishap is causing this to still appear on my credit report and is making it hard to maintain my security clearance because time after time they are wondering about a toyota account opened in  XXXX  and all my documents show  XXXX . Please remove this, there is no balance owed to the company and this vehicle was pif yet they reported it as repossessed. Please just remove this item so I can move on and it can stop interfering with my military career and security clearance. I previously spoke with  XXXX   XXXX   XXXX  regarding this issue and was promised resolution but have yet to see it.

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 09-09-2017 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: Since XX/XX/2016 .... pretty much a year ago, I have tried to have fraudulent and unknown accounts and errors deleted from my Experian credit report. Per the advice of a Experian rep named XXXX in special services, sent in my police report and nothing has happened and I can no longer reach him. 

I have some huge concerns about the following fraudulent accounts and need them to be removed asap .... they are also referenced in my police report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 01-01-2018 about Money transfer, virtual currency, or money service (Virtual currency) with SHAPESHIFT AG (GA).
Issue: Money was not available when promised

Complaint: I had {$200.00} that I wanted to invest into Ripple ( XRP ) with. I usually use ShapeShift. This company is supposed to be a very reputable and trustworthy cryptocurrency exchange. However, I recently noticed that they have been keeping peoples money for profit. This is a disgusting activity to take part in especially when you are running a service where trust is of utmost importance. I have yet to receive my XRP and I believe they are holding my money as a way to make them some extra cash. I am not ok with this and I demand that something is done. They do not deserve customers or business if this is the kind of operation they want to be running.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I request that the CFPB investigate Citi 's failure to properly handle and investigate a fraudulent and unauthorized charge that was made on my Citi account ( ending in XXXX ) for {$3500.00} on XX/XX/XXXX ( see Exhibit A in attachment ). I have been the victim of a fraudulent scam that has caused significant emotional and financial hardship to me and my family. I am being charged for XXXX XXXX License from the XXXX ( XXXX ) that I never agreed to purchase and that was never issued to me in my name. For more information about the fraudulent charge, please see the billing dispute letter and accompanying exhibits A through M attached below. 
XX/XX/XXXX, I called a Citi representative and notified them of the fraudulent charge on my Citi card of the fraudulent charge on my XX/XX/XXXX billing statement. I was told by a Citi representative on the phone that they would investigate the matter and refund the charge. Pending the investigation, Citi credited {$3500.00} back to my account on XX/XX/XXXX ( see Exhibit B in Attachment ). On or around XX/XX/XXXX, I received a letter from Citi notifying me of the pending investigation ( see Exhibit C in attachment ). XX/XX/XXXX, as a result of their investigation, Citi provided me with a copy of a letter from the XXXX explaining that the " license was issued '' despite the fact that I never received or was issued a license under my name ( See Exhibit D in Attachment ). On XX/XX/XXXX, I submitted a second written billing dispute letter in which I again explained that I was charged for XXXX licenses that I never agreed to purchase ( See Exhibit E in Attachment ). On XX/XX/XXXX, I filed a third billing dispute to Citi requesting that Citi investigate the matter and provide me with documentary evidence of the unauthorized transaction pursuant to 12 CR 1026.13 ( f ) ( 2 ) ( please see attached dispute letter and accompanying exhibits A through M ). 
In response to the second and third billing dispute letters, Citi has failed to provide me with a written acknowledgement of my letter ( 12 CFR 1026.13 ( c ) ( 1 ) ) and has failed to provide me an explanation that sets forth the reasons for Citi 's belief that the billing error alleged by the dispute letters is incorrect in whole or in part ( 12 CFR 1026.13 ( f ) ( 1 ) ). They have also failed to provide me with copies of documentary evidence of the unauthorized charge for {$3500.00} ( 12 CFR 1026.13 ( f ) ( 2 ) ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is wrongly reporting late payments on my credit reports for my secured credit card. They should remove the late payments or delete the Account in it 's entirety. Ask Transunion to delete the account asap.

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 12-08-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I have been charged several over drafts fees with in the last 3 months the total is XXXX of over drafts fees which is outrageous. 4 of them I will be responsible for. td bank are scammers. its like I was forced to sign up for the overdraft protect plan. because live from check to check and I need to pay my rent and feed my child. how will I be able to provided for my child I will just like my money back from td AND IAM GOING TO CLOSE MY ACCOUNT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/18/2017 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: Account information incorrect

Complaint: I mailed   XXXX   proof that my student loans were not 90 days late as they have reported and they have yet to fix their mistake!

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 08/18/2016 about Mortgage (Conventional fixed mortgage) with TRUHOME SOLUTIONS, LLC (PA).
Issue: Credit decision / Underwriting

Complaint: I was hospitalized in XXXX, XXXX and XXXX of 2016. Because I was hospitalized I immediately contacted my mother to contact my mortgage company. The set up a modification program for me during this time. I met all obligations that they ask and my mortgage is current. They reported me 30, 60, 90 days late to the credit bureau. I am disputing this because it is affecting my credit score. I am selling my current home to satisfy the original terms of my loan. However, I can not get financing because my credit score is XXXX and no one will work me until my score is XXXX. I believe if my mortgage company did not report me as late, and I met their agreement, my credit score would reflect higher than the minimum requirements of XXXX to work with another lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Requested debt validation from Hunter Warfield for an apartment complex that I have never lived in, and the account that was listed in collection in my credit report. The response from the debt collector was a request of a copy of my Social Security Card and Drivers Licence. Since they could not properly validate the debt or even prove they were dealing with the correct person. Sent them a XXXX letter informing them that they did not properly validate the debt per FDCPA and requested they remove the account from my credit report and refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am disputing an account with Experian that is showing as collections with a company I have never done business that does not belong to me. Experian needs to delete it. It is not on my XXXX and XXXX 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 10/18/2016 about Debt collection (Medical) with General Service Bureau, Inc. (IA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Continuosly/Repeatedly calling my cell phone at work about a debt I have been paying on. I have asked several times to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Bankruptcy

Complaint: Synchrony Bank Financial is reported my XXXX XXXX/ XXXX charge-off account to the XXXX credit bureaus as open and currently XXXX payments late and delinquent. This is illegal because i have filed chapter XXXX bankruptcy in 2012 and i have been forgiven of this debt. they way in which they are reporting is affecting my FICO score tremendously, making my bankruptcy irrelevant. They refuse to correct it and delete it and the lying credit bureaus keep verifying it as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-04-2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I requested a copy of my free credit report from the XXXX agencies, I have received reports from XXXX and XXXX but nothing from Equifax. This is not the first time that I have requested my report from Equifax and did not receive it. I am being ignored by this agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SECURITY CREDIT SYSTEMS INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In 2007, I only registered spring semaster @ XXXX for total tuition of {$5000.00} but I withdrew all my classes before semaster stated. After a year later, the bursar 's office mailed me a bill stating I owe them {$5000.00} unpaid college tuition. I called them right back and told them I withdrew all the classes prior to semaster start date, I did n't attend any classes at all and should n't pay it. 

Since then, the debt collection agency keep calling me at work, home, even on my cell phone. I did not give out any of my numbers. They making threats to levy my bank account and put a hold on my paystubs. Especially this year, when this person named XXXX XXXX from Security Credit Systems XXXX XXXX ext XXXX did boiler room harrase me by calling my work and cell phones everyday. He made threats to me telling that he will put a hold on my paystub until the debt is paid in full and levy against my bank account. He even asked my new home address so he can send more debt collection mails. I am really scared right now and do n't know what to do. This is not my Debt since I do not owe the school anything. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (Other debt) with Perfection Collection (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This company "Perfection Collection” XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX is has been reporting an alleged debt on my credit file, that is inaccurate and unenforceable. They are a third-party purchaser I notified them in writing on XX/XX/XXXX to remove the information. They are still reporting the debt as open contract that begun in XX/XX/XXXX, when in fact this contract begun XX/XX/XXXX (see attached). In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment (OCGA 9-3-24). The Fair Credit Reporting Act, or FCRA states that most negative items must be removed from your credit report seven years from the first date of delinquency. This account is (14) years old there's hasn't been any payments made on this account since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 'm a victim of identity theft. The following XXXX credit card account is listed on my Trans Union, XXXX and XXXX credit credit report and it 's a fraudulent and unauthorized account. I never applied for the following XXXX credit card account : XXXX. Someone stole my personal information and identity, and fraudulently applied for and used the above XXXX credit card account. The XXXX credit card account do n't belong to me, because I did n't apply for the 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