milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-10-2017 about Debt collection (Credit card) with Credence Resource Management, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: To Whom It May Concern : REF : Intent to file suit : violation of the FCRA and the FDCPA I have sent XXXX previous letters to you, all via the CFPB portal to ensure proper delivery ( see all previous complaints filed ) requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that this accounts information is invalidated and that you violated the Fair Debt Collections Practices Act by ignoring my requests to investigate this account. My previous letters all sent via the CFPB portal stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX County District Courts for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and the FDCPA and intend to pursue them to the maximum. 


CREDENCE RESOURCES : PLEASE BE ADVISED THAT I WILL NOW ONLY ALLOW YOU 3 BUSINESS DAYS FROM THE DATE OF YOUR RECEIPT TO REMOVE THIS INVALIDATED ACCOUNTS INFORMATION FROM MY PERSONAL CREDIT REPORTS! IN THE EVENT OF CONTINUED NON COMPLIANCE WITH THE LAWS SET FORTH, YOU WILL LEAVE ME NO OTHER ALTERNATIVE BUT TO FILE MY LAW SUIT AGAINST YOU FOR CONTINUING TO KNOWINGLY AND DIRECTLY VIOLATE THE LAWS! 

I AM NOW ALLOWING YOU 1 MORE OPPORTUNITY TO REMOVE THIS ILLEGALLY ACCOUNTS INFORMATION FROM ALL XXXX OF MY PERSONAL CREDIT REPORTS ( XXXX, XXXX, AND XXXX ) I anticipate your response. 



Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (GA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: On  XXXX   XXXX ,    2017, I completed a balance transfer using a promotional check sent to me via mail by Discover. I  receive them all the time but never took advantage of one until now. I transferred my balance and made my first payment. After realizing that the payment was higher than it should have been I contacte d Discover. O n  XXXX   XXXX ,  2017 , I spoke with  XXXX  in the Ohio location. After placing me on hold for several minutes she found that the reason I was charged additional was because the check processed was allegedly for a regu lar cash advance only a nd not the promotional offer. She said that they place  two  types of checks in the envelope-both  cash advance and bala nce transfer. I explained to her that this is misleading and confusing to a consumer for them to place both types of offers into the checks. I am sure that several others have made the alleged mistake that I have made before if they were not careful. I asked  XXXX  what could be done to resolve and she said that there is nothing that can be done. After almost 8 years with this company, I will be transferring my balance to a legitimate, ethical company ( i.e. my personal bank or  XXXX   XXXX  ) and closing out this car d. Discover 's practices a re deceptive and I feel so disgusted that they would take advantage of me in this way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: I leased a XXXX XXXX XXXX. I had to pay my first lease payment when I leased the vehicle. XXXX XXXX is stating they are reporting all payments to all major credit bureaus. When I got my annual credit report this year, I noticed my first car payment was not reported on my TransUnion Credit Reporting Agency. In addition to my first car lease payment was not reported on my XXXX Credit Reporting Agency. I first attempted to repair the inaccuracies with XXXX XXXX XXXX, who sent me a history report that shows a first payment was made of {$320.00}. In XXXX I disputed the inaccuracies with TransUnion Credit Reporting Agency and with XXXX. I received my TransUnion Credit Report dated XX/XX/XXXX. My first lease payment is still not reflecting on my credit file, which also makes it appear as if I owe XXXX XXXX more than what I owe. I am due to turn the car in on XX/XX/XXXX. My last payment is XX/XX/XXXX. All I want is my fair credit reported correctly. I made a {$320.00} payment to XXXX XXXX XXXX on XX/XX/XXXX, yet the payment is not being reflected on all major credit bureaus. TransUnion placed a REMARK on my file stating DISP INVG COMP CONSUM DISAGRS. I requested a dispute, so that my first lease payment made on XX/XX/XXXX of {$320.00} would reflect correctly and accurately. Please investigate this matter thoroughly. This is an isolated incident, that may possibly constitute identity theft of some sort.

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 01/25/2017 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/2016 I submitted a debit card dispute from my XXXX purchase in XXXX, XXXX. When I got home from XXXX, I read about all these XXXX scams in XXXX-where I purchased from their factory. I read articles that jade is enhanced for mass production and called XXXX and there is no way to tell if the jade is real or not. No one in my XXXX group bought any jade. Only I made a purchase at the jade factory in XXXX. I was concerned that I 'd been taken for granted by my tour company-who admitted that the tour guide was no professional. Now that I got back from XXXX, XXXX, I realize even more that emeralds are a form of jade. And emeralds have to be very dark and polished to be considered a precious stone that is worth the money I paid. When I hold the jade pendant up to the light, you can see through it. That 's not real emeralds or jade. Rep, XXXX XXXX, gave me a temporary credit. Now USAA wants their money back and USAA knows I am traveling again overseas to XXXX because U go through their USAA Explore and TRavel Agency in XXXX, AZ. I feel USAA is retaliating against me for complaining and closing my bank accounts. I closed them because of the fraud charge from XXXX/XXXX/2016 that was not resolved and I felt was an inside job at USAA. I attached the proof that USAA wants their money back but can not find the merchant 's rebuttal. In fact, I can guarantee that USAA ( who usually only has ten business days from the date of the dispute ) is retaliating against me. It makes me very angry. I 'm afraid USAA will re-open my account to make me pay for the {$110.00}. I believe I argued for less but XXXX or XXXX wanted me to get all my money back. THey exceeded their ten business days investigation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I feel this issue is a negative impact on my account the bankruptcy was never filed in court it never went through any legal actions i feel the company does not want to help me by removing this issue off my account it is interfering with me getting things for me and my son and i just wish for them to remove it off my account if you look into the issue you can see that it never proceeded with anything

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 02-05-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: Somebody cashed a fake check with a fake signature ( which the bank did not catch ), emptying my account and now Wells Fargo refuses to refund the amount stolen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Section One : FALSE OVERDUE NOTICES I am making a request for your office to determine why I am receiving letters stating that my mortgage payment is overdue and I am now being charged a late fee? 
Attached is an affidavit from my bank showing that all my payments from the past have been received and posted prior to the XXXX of the month since XXXX XXXX. 
2. Please find out what are my monthly payments? I have been sent a notice of {$950.00}, {$660.00}, and now {$740.00}. I would like to see the math on all of the above figures. How did my loan go from {$790.00} to {$950.00}? I would like to see the math. 
After a refinance in XXXX of XXXX, I have been making payments of XXXX. This is an FHA loan and includes principle, interests and hazard insurance. I have a 100 % tax abatement given to me by XXXX Country for persons who are XXXX and over and beneath a certain income since XXXX. 
3. I have also been sent a statement for late payments for the previous month for {$1500.00}. How was this tabulated? 



Section Two : ESCROW ACCOUNT/UNAPPLIED FUNDS 1. I finally found out last month there was some type of unapplied funds of XXXX. Why are these in an unapplied fund bucket? Where did the {$220.00} go of the XXXX? I have never made a partial payment. What check number was this? Please ask them to provide the check number ( see bank report for check numbers and payment ). I have never paid a partial payment. Please ask them to provide the check number and why money is missing.

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 03-09-2017 about Bank account or service (Savings account) with CITIBANK, N.A. (NM).
Issue: Account opening, closing, or management

Complaint: This is a complaint about a promotional bonus not being credited, in violation of the terms and conditions provided to the customer ( me ) at the time of enrollment. 

I opened a Citi Savings Plus account in XX/XX/XXXX after enrolling in a promotional offer, offer code XXXX. Per the terms and conditions provided me at the time, I expected that my account would be credited with {$300.00} within 90 days of XX/XX/XXXX if I deposited {$25000.00} to {$50000.00} by XX/XX/XXXX and kept at least that balance through XX/XX/XXXX, which I satisfied. However, 90 days later ( XX/XX/XXXX ), the {$300.00} promotional bonus has not been credited. 

I have called CitiBank customer service to give them an opportunity to rectify the issue, but they claim that the bonus failed to credit because the offer was " targeted ''. However, the terms and conditions PROVIDED TO ME AT ACCOUNT ENROLLMENT do NOT state any such contingency, and hence that excuse can not apply. In fact, I even received an enrollment confirmation ( of which I took a screenshot along with the terms and conditions ). Despite this evidence, Citi is refusing to credit me the bonus ( citing the " targeted '' excuse despite it being absent from the terms and conditions ), and hence they have failed to uphold the terms and conditions to which I agreed at time of enrollment. 

To preempt a possible response from CitiBank, they MIGHT respond to you claiming that the promotion was " targeted '', but that excuse is invalidated by the evidence I am submitting, namely the enrollment confirmation and complete terms and conditions on which I based my decision. 

I would like to emphasize that I signed up for this savings account SOLELY because of the promotional bonus, and in good faith that my satisfaction of the terms and conditions would result in my being credited the {$300.00} reward. I therefore submit this complaint seeking to enforce the terms and conditions that Citi provided me ( upon which I based my decision to do business with them ), and thus be credited the promotional bonus described in those terms. 

Description of attachments : * CITI SAVINGS OFFER SCREENPRINT.pdf '' -- screen capture taken on XX/XX/XXXX showing enrollment in the promotion ( top of first page ), terms and conditions upon which I based my decision to open my account, and the offer code ( bottom of second page ) * " citi savings plus statement [ XX/XX/XXXX ] .pdf '' -- statements for the account in question showing satisfaction of the terms and conditions.

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 09/18/2017 about Debt collection (I do not know) with Dobberstein Law Firm, LLC (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Dobberstein Law XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Phone : ( XXXX ) XXXX Lawsuit filed against me and I had no idea about the debt. Dobberstein sent all information to the wrong attorney. I am represented by XXXX XXXX in XXXX, WI. Dobberstein sent any notices for collecting debt to XXXX XXXX, who is not my attorney. There is currently a court hearing for a judgment filed against me in XXXX XXXX. I was not aware of the case until I received junk mail from lawyers to be represented in court. They have violated my rights by sharing my debt information with someone other than me, my spouse, or my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (FL).
Issue: Taking out the loan or lease

Complaint: I was informed by mail that my car loans financed by Ally was increased because of my XXXX background. I received XXXX letters ( packets ) in the mail about a class action lawsuit that is being persued against Ally, stating that I may receive compensation for their unlawful practice. There is a time limit ( XXXX ) that must be met. I 've sent the forms, and about 3 weeks later, I received a post card from Ally Settlement Administrator stating that they did not receive the forms. I have called XXXX times, and was told that I would be receiving another packet to fill out and send. To this day, XXXX/XXXX/15, I have yet to get it. What do I need to do? This has been ongoing since XXXX. I have the dates, times, and the persons ' names from when I 've called. Seems to me that they are letting the time lapse. Please help. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion had errors in education and employer, and locked me out when trying to update for my " protection ''.

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 03/24/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CT).
Issue: Problems when you are unable to pay

Complaint: Santander Consumer USA is taking advantage of the XXXX. Santander is charging excessive interest and fees to their consumers. They also coerce their consumers into buying products that are not required. They would constantly call multiple times a day. If you do n't answer the phone for a period of time to " Keep In Contact '' they will do " research '' and find friends and relatives and call them to get you to call them back. The payments that you make barely touch the principle balance on your loan, especially if your late on your payment. When you make your payment they charge a processing fee which we were not informed of when signing the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Clients applied for a loan modification XX/XX/XXXX and were advised XX/XX/XXXX that they had been denied assistance. They then received a notice of intent to foreclose XX/XX/XXXX included in that letter was a loan modification agreement dated XX/XX/XXXX. The hearing was set for XX/XX/XXXX. The letter they received had a HAMP Tier II loan modification with payments starting XX/XX/XXXX. When they received the paperwork they contacted the lender and the lender advised them to send the loan mod back in and they would honor it. However, when they did get it turned back in the lender said it was too late and denied them the assistance. We immediately applied again XX/XX/XXXX and XX/XX/XXXX trying to get the loan modification. The lender then stated that they could not get another loan modification for 24 months from the XX/XX/XXXX loan modification even though they were never made aware of the agreement until XX/XX/XXXX.They are asking that the lender honor the loan modification that was supposedly offered to them XX/XX/XXXX. They are asking for proof of receipt of the loan modification paperwork as well. They received the paperwork XX/XX/XXXX ; however, the letter was dated XXXX. When they contacted the bankruptcy dept XX/XX/XXXX they were advised to go ahead and send over the paperwork and they would honor the loan modification. Once they did this the lender said it was too late. We resubmitted the loan modification package XX/XX/XXXX and they were turned down again stating they had had exceeded the maximum number of loan mods allowed by investor.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I sent a complaint back in XX/XX/2016 ( complaint number XXXX ) to One Main Financial and after the complaint they changed the account and begin sending letters and the last one sent threatened to sue me if I do n't pay. After the first complaint of them calling me at work and getting me in trouble and switching my account and now threatened to sue me. They have and are in complete violation of the Fair Credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: I do n't believe I had this account with bank of america in 2014 as recorded on my record for account abuse with a charge off of XXXX dollars. Would like to see prove of this account. I have never been to Missouri to any bank

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 02/25/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This debt has been disputed and it was found that original collection company did not have sufficient information to validate debt so item was removed from my credit file. However, they sold it to another agency, ERC and if is now reporting again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called XXXX XXXX Cap on XXXX/XXXX/XXXX to ask them why they have accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my Equifax credit file without my authorization, I did n't get a response nor did they help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2015 about Bank account or service (Checking account) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NY).
Issue: Problems caused by my funds being low

Complaint: Even though the balance on my checking account reached zero, bank continued to pay out funds instead of making a notification of " insufficient funds '' and then charged my account fees of {$37.00}. The total is now close to {$1200.00} and since I have direct deposit of my Social Security check, they took all my money for the month of XXXX and now I can not buy food or pay rent or pay my utility bill. The Social Security check is in the amount of {$XXXX} so now they say I still owe them {$480.00}. I did stop direct deposit. But I still have no money for new eyeglasses or food or even laundry. As of right now, XXXX XXXX, 2015, I should have a positive balance of about {$720.00} in the checking account to pay my above listed expenses. I do n't know what I will do when my food runs out or if ConEd turns off my electricity. When I opened the account, I specifically told the bank officer that I did NOT want credit of ANY kind, especially any kind of draft balance protection. I said that if the balance reached zero to refuse the transaction. I NEVER write checks so refusing the transaction on a debit card is XXXX way for me to know when I run out of funds. The problem Bank is Peoples United Bank [ XXXX ] and the problem started shortly after XXXX XXXX, 2015

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/26/2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This account has been disputed in the past. This account was never late in XXXX. Also, the account balance appears to be updated in XXXX. The account itself was allegedly transferred/sold long before XXXX ( estimated XXXX ).

Company response to consumer: Closed with explanation