milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/25/2017 about Bank account or service (Other bank product/service) with Alliance Data Card Services (IN).
Issue: Account opening, closing, or management

Complaint: Back in XX/XX/XXXX, I received a statement saying that Comenity Bank/Full Beauty charged me an annual subscription fee for an account I had not used in several months. I paid that charge because it was my fault for not ensuring the account was closed, and then called Comenity Bank/Full Beauty to officially close the account. However, in XX/XX/XXXX, I received a statement charging me a late fee, two days AFTER the payment due date. I called Comenity/Full Beauty to complain and was told that the fee would be taken off my account, and my account would be closed. I was told during that conversation that my account balance was zero and no payment was due. In XX/XX/XXXX, the same thing happened. I called again, and again received assurances that the erroneous fee would be removed, no payment was required and that my account would be closed. In XX/XX/XXXX, it happened again, and for the fourth time I called to have my account closed and the erroneous fee removed. THEN, I received notice from my credit monitoring service and Comenity/Full Beauty reported my account two months past due to the credit bureaus. This experience has not only made me highly critical of Comenity Bank, but of ANY business that chooses to use a bank with such poor follow-thru and attention to detail. I would not recommend them to ANYONE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/29/2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Thursday XXXX/XXXX/2016 I received a call from a number listed as my local court house. XXXX. I was told that I was being sued and needed to be served my papers for court the following day at my place of home. She asked me for my current address, and I gave it to her thinking it was for a legal matter. I asked the lady who was suing me and she stated she was n't sure the documents were sealed. She stressed the documents did have a mediation stamp and that means I can contact the attorney and settle before XXXX that day and not be served. She gave me the number to the supposed attorney whom I contacted immediately at XXXX And a gentleman answered the phone and I told him who I was he pulled me right up and explained my debt of {$680.00} that I could make in payments of half then and half in XXXX to settle outside of court. I explained I was just getting back from maternity leave and would only be able to make payment of XXXX and the remaining on the XXXX and XXXX of XXXX. He then transferred me to the payment center and a lady took my payment, She explained she would go ahead and send me receipt to my email immediately after. I waited and never got a receipt finally wrote and called the number back Friday and Saturday and was told they would get it to me as soon as possible. I finally got the receipt and noticed they had my current address, which no one has except the lady that called from the " court house '' so I got to thinking I wonder how they got my updated address. I decided to contact the court house this morning at XXXX and make sure everything was settled. I was informed by the representative from the justice of the peace that I never had a case against me and they would never even call me before they serve. So I have caught this company in a lie. They represented their selves with a legit phone number saying they were the court house in my county. So I am highly upset and will be filing complaints with everyone I can.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Bank account or service ((CD) Certificate of deposit) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MD).
Issue: Deposits and withdrawals

Complaint: I cashed in a CD XXXX XXXX in the amount of {$2400.00} and USAA said they would send the money to my XXXX on the XXXX. it never got there. I have been calling USAA and now they said is was not sent until the XXXX.. To day is the XXXX. and still nothing in XXXX account. I asked for interest on the money and they said they could not because I do not have a account there. All I get is the run around from USAA. They keep sending me from one person to another with no results

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/22/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (OR).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I signed up for a new checking account offer - Deposit {$25.00} to open the account then set up direct deposits of $ XXXX/month for three months. After three months of funding according to those terms, {$200.00} will get deposited into the account.

In the third month, after the first {$750.00} direct deposit went in but before the next {$750.00} direct deposit that would qualify for the bonus went in they closed the account without notice or reason. I called a local branch and they directed me to the 800 number because they couldn't see any reason as to why the account was closed.

After speaking with the 800 number rep, they said the account was closed due to no activity. However, I had {$750.00} deposits twice a month and {$750.00} withdrawals twice a month. Why the hard close? Why not a soft notice of " you're approaching our zero activity closure policy, please use your account more before xx/xx/xxxx date ''? 

This puts me in a frustrating spot because my company 's payroll has already been processed and now the {$750.00} will reject deposit if the account isn't opened. Beyond that it's bad will - the terms and conditions of the deal itself, not full on checking account terms and conditions, mentioned nothing about minimum activity or balances within 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 monetary relief
Consumer complaint received 09/21/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: This company is still reporting a account on my file after i been notified that i have been a victim of identity theft and that i have all the necessary paperwork filed and police reports to support my claim. I 'm in the process of getting a mortgage and this account is hurting me and it is being listed as bankruptcy. I also have a fraudulent bankruptcy filing that I 'm working with the courts and the government to get that issue rectified. I have been dealing with this issue for years now with all my personal information being stolen such as social security number, address, DOB, phone numbers opened under my name and bank accounts opened under my name. I request this company remove my name and social from this account immediately and mark it as fraud so if i choose to do business with this company in the future this issue wo n't stop me. I have attached my police reports and FTC fraud identity theft affidavit which has a letter from the government showing that my identity was stolen in a cyber hack also.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Credit card protection / Debt protection

Complaint: I found fraudulent charges on my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: Creditor affirm is being reported on experian as a {$3000.00} repossession opened in XXXX. It used to be reported correctly and all of a sudden it changed. I have a letter from the creditor stating this, as well as email 's from them. The correct information is that it was originally opened on XXXX/XXXX/XXXX in the amount of {$550.00}, payments of XXXX were to begin on XXXX/XXXX/XXXX. I have been making timely payments. It is not a repossession, Never late and i also have an account verification letter that affirm sent to me confirming all of this. I have sent this letter to experian, uploaded it multiple times to experian and disputed with this letter 5 times. Each time experian says the information will remain unchanged. It is an obvious error in experian 's system because the information they are reporting on the affirm account is the same information being reported on a different repossession account listed from another company on my credit report. Somehow the information is mixed up in experian system

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 07/18/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I deposited a check for {$5000.00} on    XXXX   XXXX  , 2017 and the che ck was deposited into my account. When I tried to withdraw the money I was told my account was being closed for expected fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Closing/Cancelling account

Complaint: Citi apparently issued a Citi Costco Card to me, never actually mailed it to me, and charged me for the XXXX membership and now they want me to pay the bill. 

I used to be a XXXX member with an XXXX card. I cancelled my XXXX membership a few months ago and never applied for a Citi Costco Card. They seem to have automatically issued a card to me based on my prior XXXX membership. I tried to tell them multiple times on the phone and they keep transferring me to various departments within their firm. I have wasted well over an hour dealing with this mess which I have no role in creating and it is not right to expect me to spend any more time dealing with this situation. 

Bottomline : Cancel the Citi Costco Card that I never applied for nor received, remove the XXXX membership charges and stop wasting my 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 04/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with QUICKEN LOANS, INC. (OH).
Issue: Application, originator, mortgage broker

Complaint: my refinance loan was denied because they said that I did n't make enough money, i made XXXX but they said they only would use XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (CA).
Issue: Managing the loan or lease

Complaint: I requested an extension for my car payment for the month of XX/XX/XXXX. American Honda finance told me they would call me back about it and it should be no problem. I received a call back stating I would need to pay the late charges associated with the account before I can be granted an extension. I made my full car payment that date which happened to be one day late. ( XX/XX/XXXX day ). They never reported it late. The next month ( XX/XX/XXXX ) I paid my full car payment on the XX/XX/XXXX day. American Honda reported it late 30 days. I disputed the XX/XX/XXXX late charge and American Honda came back saying it was validated and added XX/XX/XXXX late also. I have never made a 30 late payment for the XXXX cars I financed in my life time.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: There was a collection debt that has been recalled back by the creditor in XX/XX/XXXX, Equifax has not done nothing about it as of XX/XX/XXXX and still reporting it therefore affecting my overall credit score, I have filled a dispute with no results, when I try to access my account on the website I am always logged out, personal information on my account was changed by a creditor even after I submitted copy of driver license and social security card, there is no way to get a hold of the company customer service not on the website not over the phone, I was emailed links to see the investigation results but I can not access them because the link or the information is incorrect, I have searched online reports on complains about this company and find that time and time again thousands of complaints about this company from reporting to customer service, 1 ) why is this company allowed to report on persons/people credit report if they report incorrect information 2 ) why is this company still allowed to conduct business if they do not provide any customer service or the worst customer service in the world 3 ) why is this company allowed to conduct business if you can not access the information or dispute it I would like someone to provide information to me on how to have this company stop reporting on my credit report since the information they are reporting is incorrect, out of date

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company mailed me charges from another company who claims I owe an alleged debt that I do not. I do not have a contract or any legal binding documents with this company in which I asked for and they have not provided. I am not paying for something I do n't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquiries had been made. So I first contacted these furnishers of the inquiries, with a few giving me the runaround who conducted these inquiries and asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right.and some of these inquiries is listed on my credit report several times. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Vehicle loan or lease (Loan) with SCS Credit Corporation (IN).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: The XXXX had was used ran good for about 2 months after everything went bad to the point where the engine blew and they told me I had to pay XXXX XXXX for new engine could pay so they took my car and messed my credit up

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (NJ).
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: Ally closed account, reversed debt from {$400.00} to {$0.00} on XXXX/XXXX/XXXX, and removed all late marks on XXXXAll is fine with XXXX. Negative remarks need to be removed on 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 explanation
Consumer complaint received 06/23/2015 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (IL).
Issue: Taking out the loan or lease

Complaint: I had previously submitted a complaint against USAA with regards to my auto loan. I was promised a lower rate over than what I am being charged. In addition, the term should have been XXXX months with XXXX payments rather than XXXX months. As a result of that complaint, USAA offered to essentially refinance the loan with the correct terms since they could not fix the original loan. However, I paid for a gap insurance product on the current loan which is tied to the loan, not the vehicle ... so refinancing would have voided the gap insurance and since the new loan would have been a refinance rather than a purchase, I would not have been eligible for repurchasing the gap insurance. The USAA person who was responding to my complaint was supposed to look into this but she stopped responding and none of the issues were ever addressed. I am still paying the higher interest and the amortization period is still wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I received a  XXXX  form dated for   XXXX   from   XXXX   XXXX   XXXX   XXXX  . in regards a   XXXX   XXXX   XXXX   accoun t ( credit card ).  I have sent numerous letters all three credit bureaus and to   XXXX   XXXX   XXXX   asking for my credit report to be updated to properly reflect my balance as {$0.00}. As of right now,   XXXX   XXXX   XXXX   my credit report still shows a balance owed of {$17000.00 } ( this is not correct and is severely damaging my credit reports and credit scores ). I de mand action and my credit report be updated immediately. I also want a letter from   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . stating this will be fixed permanently within the next 30 days. They have had 4 years to correct the problem and I am still fighting this.

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 04-07-2015 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 was paid

Complaint: After being hospitalized and losing income I was evicted from XXXX XXXX in XX/XX/XXXX. I paid a settled amount in XXXX XXXX that was agreed on via a money order. I was told the item would be removed from collections and I would receive a letter from them showing a paid in full. Neither happened. 5 years later this continues to show up on my credit report and I ca n't rent an apartment because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TENET HEALTHCARE CORPORATION (FL).
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 XXXX XXXX FOR OVER A YEAR NOW HAS BEEN REPORTING ON MY CREDIT REPORT. FILED COMPLAINT IN WRITING AS WELL ONLINE AND HAS NOT RECEIVED ANY VALIDATION ON DEBT REPORTING. THIS DEBT CONTINUES TO BE REMOVED FROM XXXX/XXXX/ XXXX   THAN REPORTED AGAIN SHOWING MORE THAN ONE OF THE SAME ACCOUNT XXXX XXXX XXXX   HAS NOT SHOW LICENSE NUMBER NOR INFORMATION FOR COLLECTING IN MY STATE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am very unhappy I live on a very tight income and yet every time I call they give me options but options I can not afford. I had made a call on XXXX and spoke to a customer service representative that assisted me in regards to my loan. I went ahead and explain to him my situation I let him know that I can not afford to pay this loan my means are tight and I do n't make enough let alone I have to repay credit cards for being out of work for a year and a half. Let alone I am checking my credit on credit karma and find out that my credit score has dropped significantly and it 's all due to this loan I am in urgent need to have this loan forgiven, for I 'm not able to afford to pay this loan. I am struggling right now with my income and trying to catch up with my current bills. Please understand my situation it 's been hard since I graduated from University XXXX have not been able to land a good job with a good salary and I have to eat and I have to have a place to stay and I have to have my transportation. I urge you to please consider me for student loan forgiveness. I have very little income coming in and I pay rent I pay car note and I pay my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Payday loan debt) with CURO Intermediate Holdings (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a loan for a XXXX dollars at Speedy Cash. I lost my job and fell behind. I got another job and they had already sold it to XXXX XXXX XXXX. I paid them XXXX now XXXX XXXX refuse to remove this from my credit. I have called them and they stated that they are not able to remove it. They are still reporting that I owe them. This is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I had an odd message appear on my screen after answering my security question required for my Transunion credit report. Here is the attatchment of what I received as a message. Which resulted in me being unable to see my credit report for Transunion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation