milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: I received a promo mailer for {$200.00} to open up a new checking account ( which is attached ). I went into the branch with the mailer and opened the account. Before leaving I verified that I had met all the requirements to receive the bonus, which the account rep verified. It 's been over a year and I have not received the bonus. I went in to the branch twice to ask why it has n't posted and they could n't tell me why, but said they would " look into it ''. I also called the customer service number and submitted an online secure message through Region 's website and received the same response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit card () with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Closing/Cancelling account

Complaint: On or around XXXX/XXXX/XXXX i contacted Huntingon Bank to remove myself as an authorized user on a friends credit card account ( XXXX XXXX ). In XXXX XXXX I was assigned account number XXXX. The Bank did remove me as an authorized user on the referenced account, but is showing non willful compliance to have this account removed completely from all XXXX credit bureaus. I sent a credit bureau dispute form to all XXXX credit bureaus and was told that they will not be removing this account from credit report and it will remain 7-10 years. I am in the middle of purchasing a home and with this showing on my credit, it has affected my chances for loan approval.Huntington Bank supervisors show no compliance. Huntington Bank under federal law must remove an account from credit report in which the account does not belong. Every other bank has honored my request and has fulfilled the federal law requirements

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
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: I had my windshield replaced by XXXX XXXX XXXX on XX/XX/XXXX, I filed a dispute for {$500.00}. I believe on XX/XX/XXXX or XX/XX/XXXX because I did not receive a receipt or warranty information for the work. I did not recieve a receipt until XX/XX/XXXX and only after many phones calls and still did not receive the warranty information. In the meantime I discover that the windshield leaked and the wipers were hitting the side of the car. I scheduled XXXX XXXX XXXX to return and XX/XX/XXXX, to repair. They did not show up until after XXXX XXXX and it was to dark for them to work. I then rescheduled for XX/XX/XXXX, they were a no show. I have phone records where I tried to call, they blocked my calls. I have a total of 23 phone calls made to XXXX XXXX XXXX. My credit card was billed by XXXX XXXX XXXX XXXX the warranty information I received was from XXXX XXXX XXXX. 

On XX/XX/XXXX, I had XXXX XXXX XXXX XXXX replace my windshield they found the following problems, Left and right side outer moldings were bent and damaged, top passenger side area dented, top of windshield seal missing glue leak detected. glass was to close to frame, windshield not savable. 

On XX/XX/XXXX I filed a complaint with Bureau of Auto Repair ( BAR ) Tracking Number XXXX BAR is also investigating and finding a number of problems XXXX XXXX XXXX is not register with them, the XXXX or the XXXX XXXX XXXX XXXX. The address given XXXX XXXX XXXX, XXXX is XXXX XXXX and they claim they do not know anything about XXXX XXXX XXXX After much research discovered XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX and XXXX XXXX XXXX is XXXX XXXX XXXX # XXXX, XXXX, CA not sure about the connection between these companies. BAR is investigating On XX/XX/XXXX, received a letter from Bank of America requesting documentation I replied thru their website. Since then they have given a number of excuses, such as I did not give the merchant a chance to fix the problem, I have phone records where I called 23 times. I had two schedule appt that he did not show. BofA needed a second opinion letter on letter head describing the problem I fax 2 letters ( see attached ) and now the the time frame is expired. They gave me the response date of XX/XX/XXXX which is a Sunday. The owner of XXXX XXXX XXXX XXXX was on vacation and I faxed the letter on Monday XX/XX/XXXX and again on XX/XX/XXXX Bank of America Case numbers XXXX and 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 monetary relief
Consumer complaint received 09/16/2015 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have tried to apply with several lenders and they all tell me that my Equifax report is blocked. I have spoken to Equifax and they deny that the report is blocked. That said, it clearly is blocked because I am getting the same response from several lenders. The lenders can not access the report at all.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Debt collection (I do not know) with Carter-Young, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have contacted Carter Young many times to inform them that the account that they are reporting on my credit file do not belong to me. I have submitted Fraud Affidavits to them and they still refuse to remove this account. I have no obligation to pay them for this debt. It is not mine and I have never open an account with them or any other facility in regards to this debt. Please assist me in getting this debt remove from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Medical debt) with Certified Bureau of the South, Inc (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I believe I have been a victim of identity theft and I attempted to dispute this information with the  XXXX  credit bureau. The items I have disputed do not relate to any transactions that I made or authorized. Pursuant of the FCRA and the FDCPA, I now exercise my lawful right to question the validity of these debts your agency claims I owe. I understand the collection agency is suppose to suspend all collection activity until they provide me with some info abut this debt. Through my dispute with   XXXX   they claimed this account was proven as valid and remain on my credit report without providing me with any information about the debt such as an original bill or something with my unique signature on it. I dont believe   XXXX   is truly investigating these disputes and are playing with consumers ability to obtain credit. I am just now realizing the importance of credit which is why I am just now going over my credit report and for these companies to play with consumers livelihood like they are doing is just not right. The information that I am concerned about is as follows ; Collection agency : Certified Bureau of So Col Original Creditor :  XXXX   XXXX    XXXX   XXXX   Opened :  XXXX   XXXX ,   XXXX   Balance : {$230.00} Collection Agency : Certified Bureau of So Col Original Creditor :  XXXX   XXXX   XXXX   XXXX   XXXX  e Opened :  XXXX   XXXX ,   XXXX   Balance : {$83.00}

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The inquiries, which appears on my credit report from Exeter Finance datedXX/XX/XXXX/2017 does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Account opening, closing, or management

Complaint: Capital One refuses to make an exact direct transfer amount from my IRA XXXX accounts to XXXX. I began the process in XXXX 2015 and since XXXX XXXX, my attempts by e-mail, letters, and telephone, in concert with XXXX meet continuous resistance from this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I went to XXXX XXXX and recieved little to no government assistance for some unknown reason, considering I was not dependant on my parents at all. This forced me to turn to private loans. Now, I have almost XXXX in private student loan debt. The monthly payments are {$1200.00} and I can not afford to live. Even after making this payments on the loans, my interest is 9 % ,8 %, 7 % interest so that the loans continue to get bigger. I own two businesses and would otherwise be doing well for myself. I have called, emailed, sent in letters to the private loan companies, only to have them raise my rates instead of lowering them. There is no end in sight, I would have to be making XXXX per year just to live a normal life. Where is the protection on these loans? Why ca n't I refinance them? 

The fact of the matter is this, this rock is too heavy to lift because it causes me to have a horrible credit score. Bad credit = no loans to buy a house or get money to start another businesses. It 's a vicious cycle and I have exhausted all of my options. I can not refinance them because no one will lend me a better rate because of my credit ( even though I make every payment on time ). 

Please help me do something, anything to get out of this debt trap I am in. It has caused me to tell everyone I know to forgo college until this fraudulent behaviour is fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (GA).
Issue: Struggling to pay mortgage

Complaint: SLS is attempting to foreclose on my home with a fraudulent robo signed assignment. 
The assignment was created after the cut off date of the of the pooling and services agreement filed with the United States Securities Exchange. I also removed XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Series as my Attorney in Fact with XXXX Co because I want due process of Law which I am entitle. I have sent a QWR, and a debt validation letter, and neither has been responded to.

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 02-09-2018 about Debt collection (I do not know) with Real Time Resolutions, Inc. (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Due to misunderstanding and clerical errors of this account, I am requesting validation of this debt. I never received proper notice for this debt. I was notified by XXXX in XX/XX/ that this account would be tranferred to RTR on XX/XX/. I received two account statements from RTR. The first time I spoke to RTR was XX/XX/. I wanted to settle a debt that I supposedly owed. Unfortunately, at that time I was unaware of my rights.After five days of initial contact, RTR should have informed of the name of the creditor to whom the debt is owed, a statement of dispute, correct amount owed. In short, my consumer rights. I do feel RTR is taking advantage of me by not properly informing of this debt. I deserve to know my consumer rights. Overall, RTR account handling is unfair, deceptive and unorganized. I have no problems with the customer service reps.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2018 about Vehicle loan or lease (Loan) with Bridgecrest Acceptance Corporation (IN).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: There are a couple of issues with this loan : 1. The car is a lemon. They sold this car to me XX/XX/XXXX for over $ 14k. Trade in value for this vehicle on XX/XX/XXXX is $ XXXX. I have tried to trade this vehicle in and even refinance it to get a lower interest rate several times and it is impossible to get anyone to even look at it. I still owe almost $ 12k on this vehicle over 3 years after purchasing this car. 

2. I do not believe that payments are properly being applied to interest and principal. I do not see where my down payment was even applied to principal when I first took out the car in XX/XX/XXXX. This payment was reversed out of their system and it appears that I was paying monthly payments as a down payment in XX/XX/XXXX.

3. I got behind on making payments in XX/XX/XXXX and had asked several times that Bridgecrest assist me with getting caught up. I was unemployed from XX/XX/XXXX-XX/XX/XXXX and then got a full-time job at the end in XX/XX/XXXX. I asked for their assistance with a forbearance or something that would keep me caught up and they refused to help until finally a call to a rep in XX/XX/XXXX got me caught back up and paying on schedule. I was still making payments throughout XX/XX/XXXX. They reported me late to the credit bureau 6 times in XX/XX/XXXX and I do not believe they should have if forbearance options were available the whole time.

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 06/23/2016 about Debt collection (I do not know) with GMA Investments, LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Summit Receivables is trying to collect a debt that my relative owes. In order to get me to call them back, they are making false claims that my checking account has been hacked. I have proof of the following voicemail messages left by Summit Receivables : XXXX/XXXX/16 ( XXXX p.m. Central Time ) : " This is XXXX from Summit Receivables. I 'm contacting you regarding an automatic withdrawal that was authorized on your checking account and I just need to verify some information for security purposes. I can be reached at ... '' XXXX/XXXX/16 ( XXXX Central Time ) : " This is XXXX from Summit Receivables again. Still trying to get in touch with you to verify some information on this automatic withdrawal on your checking account. Please contact me back at your earliest convenience so we can confirm that you DID authorize this transaction. You need to contact me back at ... '' XXXX/XXXX/16 ( XXXX Central Time ) : " Hi. I 'm calling from Summit Receivables and I 'm currently conducting an audit on your file in my office. It seems that you had a conversation with a representative here in another department and some of the notes kind of put you in a negative light. I really wanted to speak to you to give you an opportunity to respond on your own behalf and to let me know if there was anything that I can take into consideration before I do turn in my recommendation. I do n't have a lot of time to try to make contact with you so I 'd really appreciate a call back as soon as you get this message. Let me give you my number ... '' XXXX/XXXX/16 ( XXXX. Central Time ) : " This is Summit Receivables. I 'm calling regarding a letter that went out to you that may concern you. I did want to talk to you briefly. Give you a chance to respond to this letter. Do give my office a call as soon as you get this message. I did want to give you a chance to respond to this on a voluntary basis. I do have to render a decision on this file very soon so it 's very important that you do return this call as soon as you get this message. You can reach me at ... ''

Company response to consumer: Closed
Consumer complaint received 11/28/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (TX).
Issue: Unexpected or other fees

Complaint: Hello, currently did business with PayPal for over three months for my XXXX XXXX. PayPal has closed my account due to I was on an authorized person on another account for the company I was employed with to speak with PayPal for that account. I do not work for that company anymore. 

I personally do not have any money that is owed to PayPal. PayPal said that you will need to hold my money for 90 days. I explained that XXXX has 30 day money back guarantee so why would keep the all of my XXXX on orders that had been shipped and no issues for over 45 days? PayPal said its their policy to hold all your money in case of returns. My Case with PayPal is Case ID Number : XXXX PayPal has closed my account due to my name on a account that I used to work for last year. 

PayPal is holding XXXX of my money and will not return my money. PayPal is not a bank. Nor is it a FBIC accredited. So how can they hold any funds? 

I have spoken with PayPal agent in late XX/XX/XXXX they said it should be released to you. 

I have called them back to see about my funds being released back to me. I explained the situation to to agent about sending my money and she was very rude to tell me I will have to wait because the credit cards have over 90 return for charge backs. 

PayPal has said they I will have to wait 120 more days till I get my money. 

I have waited over the normal time that should be released to me. 

This situation is standard for them, they do this to everyone. here are just a little sample of the issues caused by them. https : //www.paypal-community.com/XXXX Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Oportun Financial Corporation (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have sent letters out multiple times and nothing has been done to address my issues. 
I have not received any correspondence from the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My loan servicer has incompetently processed my documents, provided me with false information, and incorrectly denied me the payment plan I requested to receive which has resulted in XXXX of dollars of interest incorrectly accrued to my student loan debt. Fedloan servicing has caused me financial stress through a lack of accountability in their processors, and I have spent several hours on the phone and over a year writing correspondence to attempt to correct this issue to no avail. I have exhausted many alternatives trying to deal with their bureaucracy which has accomplished nothing except tacking on XXXX of dollars to my principal. So now I seek external accountability measures to redress this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Debt collection (Credit card) with CITIBANK, N.A. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I purchased a washer/dryre from Sears in XX/XX/XXXX. I made regular payments and was never late. In XX/XX/XXXX, I made a payment on the due date and was immediately turned over to collections. With the proof that the payment was not late, I contacted Citibank and demanded that their mistake be corrected. When I tried to make my next payment, I was unable to do so because a survey came up that demanded ansers to questions that had nothing to do with my online account. The survey requested a home phone number which I did not have and they had my cell phone number. I was locked out of my account. I had sent 20 emails, which I still have. They were all blocked and none of my calls were returned. I received no paper statements and when I tried to access my account, I was unable to do so. I then sent them a check for payment in full for the last balance I could access. My check was returned to me with no explanation. This account was then turned over to collections in XX/XX/XXXX. It did not say that it was for Sears and after many calls to different collection agencies I was refused the information as to what account this debt was originally for. I refused to give my private info and pay a debt when I could not get the name of the original creditor. This month I received another letter from XXXX XXXX with all of the information for this account and it was the first time I was told that it was from Sears. I paid the balance on this through the collection company which was less than the check I had sent to Sears 4 years ago. This is ridiculous and should never have gone to collections. I have since called citibank and they have said they have no record of this account. I have been put throuhg a huge hassle and had my credit negatively affected by their poor customer service practices. I still have every email and letter that I sent to them. They never tried to resolve this matter with me directly.

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 06/24/2015 about Credit card () with SYNCHRONY FINANCIAL (SC).
Issue: Credit line increase/decrease

Complaint: Synchrony Bank is the ABSOLUTE WORST!!!!! I have had some cards through GE Money prior to Synchrony Bank buying them out. Each year, I would get a credit limit increase through GE Money without having to request for XXXX. Once Synchrony Bank stepped into the picture, my credit limits have decreased to where it looks as if I am using 100 % of my credit. I have a JCPenny card that had a credit limit of {$4600.00}. I had n't used my card in a XXXX of months and recently made a small purchase. Today, I received a letter in the mail from JCPenny stating that my credit limit was being lowered to the current balance on my card which is {$200.00}. I am beyond infuriated! This is taking a huge hit on my credit score! I do not understand why and how they are able to do this to people! Do they not realize that this is affecting consumer 's well being? I hope something is done about this company. This has got to stop!!!!

Company response to consumer: Closed with explanation