milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-10-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: I deposited {$800.00} cash into a Chase bank ATM, where I have an account, on XXXX/XXXX/15 at XXXX. I received a receipt that said the ATM has experienced a technical problem and to go into the branch. I did that and was told they did not know where the money was and that they needed to file a claim and they would be in touch. I did n't want to leave the bank not knowing where my money was so I said that was n't good enough. I said I wanted to close my accounts and withdraw my money. In the meantime, the branch manager XXXX XXXX was glaring at me over the glass, so I asked her what she was looking at. She then walked over and told the employee I was working with that she did n't need to deal with me and to call security. We both looked at her like she was nuts, and I asked her why would she call security when i just wanted to withdraw my money. She then instructed her employees to walk away from me and leave me in the cube and not tend to my request. She then told me she was calling the police. I do n't know if she did, but they never came and neither did security. I then called the XXXX number on the card and was told the {$800.00} credit was pending and they were going to investigate the deposit and find out where it was and the phone rep said I could leave the bank, which I did, and that she was escalating it to their executive team based on the behavior of the branch manager. 

Thursday, XXXX XXXX, rolls around and I attempt to use my visa check card at a vendor and it is declined. I attempt to do it again on Friday, XXXX XXXX, and declined again. I call the bank and am told that the account is on hold due to 'fraudulent ' activity. I received NO notification from the bank and have no idea what this is about. I walk into the same branch and ask them, they send me to a banker who tells me that the bank has elected to close my account but the money is frozen due to the claim I made on Monday and the funds will be sent to me via check ON OR AFTER XXXX XXXX!!!! 

I called the executive office where I filed the initial complaint and reiterated my dismay at being retaliated against by the bank. I had REQUESTED TO CLOSE THE ACCOUNT on Monday and was DENIED the ability to do that. Now they close it and FREEZE access to all of my money??? I have {$2.00} in my wallet and no access to my money. 

I want to file a complaint against this bank for harassment, unfair treatment, and STEALING MY MONEY!!

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Vehicle loan or lease (Loan) with Byrider Franchising, LLC (OH).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I am not liable for this vechical anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (FL).
Issue: Managing the loan or lease

Complaint: I have XXXX issues with Springleaf Financial. First issue, I am not receiving statements from this company, they state that statements are a courtesy to the customer. They reported me 60 days late last month after I supposed did not make payments on the account. Which is ridiculous, why would I be late on a loan after building a relationship with this company for over 10 years? 

I believe the reason, that I am not getting statements is that the branch manager, XXXX XXXX, is discriminating against me is because I filed a complaint with the FTC this year, when her employees would not stop calling me at work. I have cell phone records and emails where I told her employees not to call me during my work hours. 

There was no reason that they could not call me on late evenings at Springleaf and tell me that my payment was due. I would also like to add that for the majority of this loan, I have paid additional on my monthly payments. On at least, XXXX they have misapplied my payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2015 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a home equity loan with SLS, formerly XXXX XXXX XXXX. I entered into a loan modification with them in XXXX at a monthly amount of XXXX. They continue to show a suspense amounts on my statements usually of XXXX and always past due amounts, My first payment in XXXX was applied to principal and should be to interest, and I have called repeatedly and written to their corporate offices as told to by their customer service dept to get this reapplied. 

I always call the automated system and on XXXX the total amount due per them was {$630.00}, which I paid on their automated system from my account at XXXX Bank, which should have brought me to XXXX XXXX due until XXXX XXXX. I just got a statement dated XXXX which says I owe {$1200.00} by XXXX, and {$580.00} is past due. How can I be past due that amount if I paid everything current as of XXXX per their system. When I was told by their customer service person XXXX to write to the corporate office XXXX cash apps XXXX to get the first payment applied correctly, it has never happened.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: TransUnion Is the only credit reporting agency reporting an old student loan debt reference number XXXX. It is being reported as a tax lien satisfied with XXXX dates on the account. XXXX date says XX/XX/XXXX, the other says XX/XX/XXXX. This student loan was first reported deliquent in XX/XX/XXXX, which means it was eight years ago! By law this should be removed. I tried mailing a request to remove based on statue of limitatiions for reporting. And the response from TransUnion was simply, that they checked and account was verified as being mine?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Debt collection (I do not know) with Adler Wallach & Associates, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been a victim of identity theft for 5 years now. I have such a hard understanding what is going on with my credit. It is so unfair when somebody just takes your information and uses it for their purpose. I owe XXXX dollars to creditors that I never heard of. I now ca n't get school loans, personal loans, payday advances or credit cards. It truly has put a damper in my life. I also have problems with my divorce because my husband and his family have XXXX me up using my name. I used to love my life but now I hate it and feel so alone. I have n't opened up anything since my car loan from XXXX XXXX. But credit reports are saying something different and now my whole life is altered and I 'm very unhappy because I ca n't fix it and I 'm having such a hard time disputing these errors

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Bank account or service (Other bank product/service) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Deposits and withdrawals

Complaint: I transferred money into the wrong account, I called Navy Federal Credit Union as soon as it happened ( XXXX EST ) and was told that I could not get my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/25/2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (NJ).
Issue: Using a debit or ATM card

Complaint: This is ridiculous and unacceptable. My card got STOLEN, and XXXX & TXXXX Bank made no attempt what 's so ever to contact me through phone, or direct message to my mt bank account. This is crazy I ca n't trust a bank to help me, when indeed my card got stolen and funds taken out!! Of course the transactions were processed correctly, because the money came out the atm, but not into my hands!! I am complaining about my money being stolen, and I need my money back asap!! I work too hard, and with my dad just passing away all this is crazy! I will need resolve to this problem soon, because I will seek further means to get my money back. This is bad business, and banks practices in not helping their customers new or old!! I will contact the consumer financial beraeu, and keep going from there to get my resolve. I am here waiting and thinking the bank is helping me, and instead you do n't notify me until I called or messaged you guys. SICK! YOU WILL HEAR FROM ME EVERYDAY, until this fixed. They said they sent a letter the XXXX that I never got! They did n't call or anything for additional info, they say 10 days to issue a credit, but do their process in 3 days dending your claim.How is that right. I dint have a police report, because the kid who stole my money got fired on the spit for stealing. They have all these terms that as a customer you have XXXX liability for fraudulent charges, yet nothing is done to help me. At that they keep charging my account fees! How is this right in any way?! I will pursue them everyday until I get my stolen money back.

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 07/22/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is an address on my equifax credit report where I have NEVER lived. 
How can I find out why this address is on my report?? 
It is a XXXX Illinois address and I have NEVER lived in XXXX Illinos or Illinois. 
Hope to hear something soon??? 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX XXXX foreclosed on our property XXXX XXXX, XXXX, the credit report shows the foreclosure occurred in XXXX. We have documentation to prove the date of the sheriff sale. We were told to vacate the property XXXX XXXX, XXXX. We are trying to clean up our credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Checking or savings account (Checking account) with ALLY FINANCIAL INC. (NJ).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I opened a account with ally Bank in XX/XX/XXXX. I had maybe {$14.00} dollars in the account. I live half the year out of the country. My room mate has opened a ally Bank account as well. And he two spends time with us in XXXX XXXX. XXXX XXXX. Anyway. On or aboutXX/XX/XXXX-XX/XX/XXXX. My Ac king was suspended. They asked for a copy of my drivers license to fraud@ally.com. Which I sent. I have had nothing happened since. I called. I emailed nothing can be done. 

XXXX XXXX Ally Bank Checking 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 01/30/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My husband filed Chapter XXXX, which was discharged in XXXX 2015. XXXX, XXXX was contacted by trustee, but did not respond. We have tried to get them to correct our credit reports ( this debt was fully discharged ). They continue to misreport.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Payday loan debt) with Meridian ARG Inc. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I was left a message on my voicemail from XXXX XXXX stating that they have sent information to my address from 9years ago about an alleged XXXX XXXX debt and they will be pressing charges for check fraud. I called the number left with the claim number she left me and was asked to provide my SSN for verification. I refused. I told them that I do not owe any debt to XXXX XXXX. I need verification of this debt. I let them know that I need to speak with my lawyer before anything happens. My phone number has not changed in almost 20yrs. If they wanted to send me a bill to my current address, I 'm very easy to find. I was told that they will just put the information in and I can explain it to a judge.

Company response to consumer: Untimely response
Consumer complaint received 10-01-2015 about Debt collection (Mortgage) with Resurgent Capital Services L.P. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Resurgent obtained the right to collect on our mortgage. On XXXX XXXX, Resurgent agreed to release the lien within 30 days after we sent them {$5700.00}. They have not released the lien. On XXXX XXXX, they said that I had to pay them by XXXX XXXX, or the deal was off and I would have to " renegotiate '' with them. When I tried to explain that the cashiers check had to come from Florida and be mailed to them, their representative, XXXX, raised her voice and harshly let me know that was the final word. I told her that I would get the check to her as soon as I received a letter committing that the payment was payment in full and the lien would be released within 30 days of receipt. On the XXXX, we had received nothing. We called every day and were continually assured by both XXXX and her supervisor XXXX, that the letter was in the mail. On the XXXX, I spent money I did n't have to get an online fax account. On the XXXX, XXXX faxed me a letter which met my criteria and I put the check in the mail. They received it on the XXXX of XXXX. On the XXXX of XXXX, I received the letter from them which bore the date of XXXX XXXX. The letter had been franked on the XXXX and accepted by the post office on XXXX XXXX. I think the letter was backdated and they intended for me to get the letter after the XXXX so they would have an excuse to demand more money. Alternatively, if I had been foolish enough to send the check without their written commitment to accept it as payment in full and release the lien, they could have demanded more money. The letter states that the paperwork will be sent to me but Kentucky law states that original paperwork has to be sent directly to the county clerk 's office, with copies to me within 30 days. I did not know that at the time, but I do not think I am responsible for telling them their legal obligations. I called them several times today trying to straighten this out. XXXX was surprised today when I told her that Kentucky required the original paperwork be sent to the Clerk. XXXX finally told me she would look into it and told me she would call. I waited 15 minutes past the time she said she would call and then called her. She was at lunch. Her supervisor has been " in a meeting '' all day. This is typical of the way this company operates. Tomorrow I will send them a copy of applicable Kentucky law along with mailing and contact information for the XXXX County clerk here in Kentucky. Please incentivize them to end their coffee break and do their jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Bank account or service (Other bank product/service) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Deposits and withdrawals

Complaint: I have a business and I got a XXXX to handle my credit card processing.I had a bank account at Citizens Bank.At the beginning of XXXX 2016, my credit card machine broke and I could no longer accept credit cards.I XXXX called XXXX on numerous occasionsonly to be given the run around.They continued to take money out of my bank account, I complained to Citizens Bank but they did nothing to help.I had to close my old account and open a new. 
XXXX is still trying to take money out of a closed account, even though I cancelled their service .They took money out of my account even though there was no credit card activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had XXXX service many years ago, I had their service long enough to not be on a contract before we decided to discontinue service due to constant billing issues. When I checked my credit, I saw a company named, Convergent Outsourcing with a total amount of {$1200.00} with the original creditor XXXX. This is not only an incorrect billing issue, but it is TOTALLY erroneous and XXXX KNOWS it! they sold my account and applied false billing towards the account! I was NOT on a contract, nor did I owe a final balance as I was told when I canceled services several years ago. Convergent purchased this erroneous account and put this amount on my credit a while back and it was deleted from my credit. Convergent has put this debt back on my credit when it was already deleted. Please explain to me how this can happen? This needs to be taken off my credit NOW and NEVER allowed to be placed on my credit report again!!!!!!! you can not charge someone ETF when they are n't on a contract, NOR, should you be able to put a debt on someone 's credit report when it was disputed and deleted off someone 's credit in the past. Convergent Outsourcing should be fined and I should attain a monetary settlement at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Other financial service (Debt settlement) with Special Financing Company, LLC (OR).
Issue: Fraud or scam

Complaint: I was contacted as soon as I graduated in XXXX by a company that claimed they could provide a specialized service to lower my student loan payments. After explaining everything to me it seemed to make sense so I agreed to give them my information and pay {$2000.00} for their service. They instantly started the payment process and informed me I would pay {$98.00} a month from that point on. I later found out through my student loan provider that this is a free service I could have applied for myself in just a few minutes. I have paid {$600.00} of the {$2000.00} balance so far and stopped making any further payments. This particular company has been very difficult to contact to ask questions and has minimal online presence to check my account status + payments and things of that nature. Hence, why I feel they are fraudulent and should be recognized for their " services. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Late fee

Complaint: Kohls Credit Card - Late fees added XXXX times, for only XXXX late payment ( one day because of the time zone difference ) method of refunding late fees taken off the total balance ... still leaving the increased payment that has to be paid or get ANOTHER late fee, etc, etc, etc. 
I have been trying to resolve my account for the past few months ... I retired from my job and moved since XXXX, and since my income is now reduced and I am a senior on a fixed income, I have n't been able to get wifi in my home yet as I am still paying off moving expenses. I ended up making a payment in XXXX 1 day late because of the time zone difference ; when I logged in later at the public library to check on my account I saw I had been charged a late fee. I called to let them know the circumstances, but by then they had tacked on another late fee because I only paid ( on time ) the usual payment of {$39.00} and it had evidently gone up to {$64.00} with the late fee, which then made my next payment {$99.00} ... so I called and talked with several CS reps and finally was able to get the fees refunded and the payment back to {$39.00} as I double-checked with the rep I was talking to, XXXX, I think. Well, I made my {$39.00} payment and now they say I owe XXXX! I very frustrated! ( This is the message I sent Kohls online cs message center ) ( this is what they wrote back ) CompletedMemo : Thank you for contacting us regarding the minimum payment for your Kohl 's Charge account. I appreciate the opportunity to review your concern. Upon review, I have found that your payment was due on XXXX of each month. Please be aware that late payments may cause your minimum payment to be higher. Additionally, the minimum due is the sum of 1 percent of the balance plus the periodic interest charge and late fees billed on the statement for the minimum payment is calculated or XXXX dollars ( or the total balance if less than XXXX dollars ) whichever is greater. I hope you find this information helpful. We look forward again to serving you again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/28/2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Incorrect information on your report

Complaint: my previous mortgage company, SLS, reports on my credit report " foreclosure proceedings started '', i ended up settling and doing a short sale. my report should show short sale, by leaving the foreclosure proceedings started on there, it precludes me from getting another mortgage for 7 years instead or 3-4.

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 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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