milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-02-2016 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (NC).
Issue: Deposits and withdrawals

Complaint: Hello, In regards to Bank Account # XXXX On : XXXX XXXX, 2016 XXXX XXXX , CA, XXXX - {$93.00} This charege appeard on my Bank Account . Once I noticed the charge, I immediately called Ally Bank and filed a dispute against this merchant of which I have never done business with. I 've never heard of this merchant. 
I had a new card shipped to me, and have not heard anything about this since. 
That is, until XXXX XXXX, 2016, when this appeared on my account : XXXX XXXX, 2016 XXXX XXXX Dispute XXXX ( Reversal ) - {$93.00} I called into your Bank and pleaded my case that I have not done business with this merchant, and do n't think that this company and Ally basnk should be ripping me off for almost {$100.00}. 
Your representative stated that she spoke with a girl in the disputes department and she told her to tell me that I should call my merchant and see if they would work with me. EXCUSE ME? 
I was then placed on anoher hold, while the rep, called over to disputes again. 
So, a girl named XXXX is 3-wayed into the conversation and says that the Bank sent a request to the merchant with the dispute. The merchant sent the Bank back documentation to prove that it is valid, which she had in front of her. An argument ensued when I asked XXXX to show me the documentaiton. She says that she will open up a SalesForce case to get the information. This proves that XXXX XXXX from Texas lied to me. XXXX changed her story 15 times, when I demanded her Managers name and phone number. She stated that she was the Manager as if she hired herself. I demanded her employee ID #, of which she refused to provide. This bank is XXXX-like. 
If Ally bank refuses to give me my funds back, there will be an Attorney Generals complaint filed against you. 
I will also obtain a re-finance and move my Car Loan someehere else. 
I expect this issue to be resolved immediately. After that I will shut my Bank account down with you. It 's such a shame that the relationship lasted only 1 year. I 'm glad your Bank finally showed its true colors. And I will advise others to stay away from your bank. Yes, I work at a large Corporation as well.And reputation means everything. I as well speak to customers over the phone in a call center, just like XXXX. 
Just wait. I will remain with 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 02/17/2017 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a phone call from XXXX stating they are attempting to collect a debt. They told me I have over {$10000.00} due to XXXX which was from an incident over 5 years ago that I had been told was resolved. The woman on the phone argued that I should check my credit report & then hung up on me. What I can I do to help get these people off my back? I live with chronic illness & the stress from their calls really gets to me & affects my health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Credit card () with DISCOVER BANK (VA).
Issue: Advertising and marketing

Complaint: We booked an accommodation for XXXX nights in XXXX through XXXX, based on the rate clearly indicated on their web site, namely {$99.00} per night. The reservation I.D . number is XXXX. There was a confusing email exchange with the host, XXXX, concerning the security deposit, which we understood to be an addition to the daily rate. So far no problem. But when the Discover Card statement arrived, to our shock and dismay, the rate came out to double the clearly advertised amount. 
We called the XXXX help desk, and had a texted chat with " XXXX. '' He was friendly, but inside his narrative was a lot of what XXXX XXXX would call argle bargle. Examples, from the printout of the exchange : " When you made your reservation and entered in your dates it should have given you a clear nightly breakdown '' [ it did not ]. " Your host had custom pricing on the days that you booked. '' [ what can that possibly mean, other than false advertising? ] " The nightly rate changes upon entering dates as different dates can have different rates similar to hotels. '' [ If so, they should be clearly shown at the outset, especially if they constitute double the advertised rate. ] The bottom line is that this is deceptive, false advertising, plus what we midwesterners call bait and switch. We had thought that the amount on the credit card statement, namely {$1000.00}, involved cleaning fees and deposits, but it was instead a pure ripoff. The host might indeed set the rates, but the web site should not clearly draw in customers with a phony, never-relevant daily price. The host 's command of XXXX is less than perfect, so I declined " XXXX 's '' suggestion that I deal directly with him. The host did not construct the web site, XXXX did. Thus it is their responsibility/culpability that is at issue here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Deposits and withdrawals

Complaint: My complaint is agents 5th 3erd Bank I have the bank on line option with my checking accounts, I do n't understand nor can I ever get an explanation on why my account on line seldom reflects the actual balance in my account. I have received many overdraft charges for this reason. On Monday XXXX XXXX I deposit my pay check for XXXX, on that day my balance said I had XXXX ( the deposit takes 24 hours to credit my account ) so I have XXXX, plus XXXX pending. I make XXXX credit card payments that equal XXXX. On Tuesday XXXX XXXX I check my account and I 'm overdrawn XXXX. My rent check had been deposited on Monday by my landlord, but it did not get proses until Monday night, it was for XXXX, now what I do n't understand is if my credit card payments and my rent check were proses on Monday night and I had XXXX plus XXXX pending, how could I be overdrawn? How is it that my online account knows I have XXXX pending but my actual account does not? They intentionally ignore the deposit that is going into the account, hit me with XXXX overdraft charges, then suddenly credit the deposit and withdrawal the service charges. How is it that they never credit the pending deposit first? 
My on line account knows that there is a pending deposit it shows me on my on line account, I feel that 5th 3erd does this totally on purpose to charge me an overdraft charge. 
I hope you can understand what I 'm saying, I 'm not the only person that sees this, that Bank has hundreds of complaints against it. Pleas help they have taken hundreds of dollars from me this way and it just does n't seem fair, they mislead or blog face lie via the on line banking.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: 2 years ago it appeared on my credit report, and received a letter from Chase Bank that it was opened several years ago for {$10000.00}. Payments were made for years then stopped. I've never had a credit card with them, it was disputed with XXXX and removed from my credit history within 24 hours. Now this company called XXXX has been calling, today was probably the 10th phone call, but the first time I spoke with them. They even called my mother 's home! Chase should contact them as well and pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I took out a payday loan with the XXXX XXXX in XX/XX/XXXX. The total loan amount was for {$1200.00}. Over the course of the next 7 months I paid back {$1800.00} ... which is way over the original loan amount plus interest. In the state of NC payday loans are illegal and I was advised in XX/XX/XXXX by the states attorney generals office that I only had to pay back the principal and nothing else. Because I had paid back the principal and interest I paid nothing else. I sent cease and desist letters and never heard anything else from them. Fast forward to XX/XX/XXXX ... 5 years later, a collection shows up on my credit report with XXXX XXXX for {$1700.00} from the XXXX XXXX! XXXX XXXX has never sent me a letter, phone call or anything for this ridiculous debt! This should be removed immediately from my credit report!

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 11-08-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I am writing about Chase bank 's refusal to return {$1500.00} that was deposited by me into an Overdraft Protection Account in XXXX of XXXX. They are now closing all overdraft accounts and state that they do n't have records from XXXX, and that if I ca n't prove that I deposited the money, they do n't have to pay it to me. In XXXX, the only way to have an overdraft protection account was to deposit money into the account. The original transaction was with XXXX bank which was bought by Washington Mutual in XXXX, and WaMu was bought by Chase in XXXX. 
Around XXXX, I asked Chase bank teller ( XXXX ) to close my overdraft account so that I could have the {$1500.00} available to use. She told me that I should not do so, " because you cant get accounts like this anymore ''. 
In XXXX XXXX, I went in to speak with Chase branch manager ( XXXX ) about closing the account and getting the funds transferred back to my checking account. The younger staff were not familiar with this old version of the overdraft account as the newer versions were unsecured lines of credit. Teller XXXX was able to verify that, indeed, the older account that I have was established by depositing funds into the account. After making some calls, XXXX stated that Chase does not keep records past 7 years. After making a complaint to Chase bank, I received a call from XXXX, Chase home office investigator, on XXXX XXXX, XXXX at XXXX. He stated that on XXXX/XXXX/XXXX my account was converted and a {$1500.00} hold was removed from my account. I told him that that did not make any sense as there was never a hold or conversion notification. He stated that he did not believe that I put {$1500.00} into the overdraft account and that since I can not prove that I did, I have no further appeal rights through Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Incorrect information for state tax lien. I have attached the delinquent tax list and my name or ss # is not there.

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 09/27/2016 about Consumer Loan (Installment loan) with Colony Brands, Inc. (NY).
Issue: Problems when you are unable to pay

Complaint: I was called on XXXX XXXX to make payment -at the time I did not have the money - 4 days later I called this very company to make full payments on all the companies they work through -call was recorded - I paid all my accounts that the customer service rep could see that had a balance - I asked about XXXX account and the lady said there was no balance showing. XXXX XXXX XXXX call me dunning me for a payment- I had made all my payments to my knowledge ( XXXX other companies- they sister with ) if the balance for XXXX themselfs would have been visable to the customer service rep that account would have been paid off also.Now after I have been verbally assaulted by XXXX of there debt collectors and told " good Luck with getting this off your credit report '', they had turned it over to a credit collector in TX - I have made it very clear to this company XXXX when I 'm able to pay the balance I would- I have been under going several medical procedures and treatments do to a car accident and I 'm barely squeeking by month by month on No-Fault insurance payments! This is why I tried to pay ALL of my accts XXXX XXXX because I knew I was going to be under going these treatments and money was going to be non existing - So now Company is Destroying my credit scores by reporting this to the credit agencies and I have worked my but off trying to get scores up so to better my living arrangements - they are illegally punishing me for there lack of available information for there customer service reps- Does it make since I would pay off all my other accounts but not this XXXX? I have proof of the payments made through XXXX payment center on XXXX they had the information avalible to customer service rep it would also have been paid off! I do not have money on demand at their error-I paid all accounts with my tax return money so this needs to be pulled off my credit NOW because this was and is their fault not mine!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN HONDA FINANCE CORP (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had leased a XX/XX/XXXXHonda Odyssey of which I was involved in a motor vehicle accident 1 year later that rendered the vehicle a total loss. The insurance company paid {$24000.00} of the {$26000.00} owed and after some payments I made, there was a balance inXX/XX/XXXX of {$1100.00}. Payment was requested in 30 days. As of XX/XX/XXXX, I reduced the balance to {$930.00}. The payments were accepted without any rejection or return of payment. Prior to the accident, I was never late nor missed any payments on the lease. <P/>Without any warning, Honda Financial Services sent me two letters dated XX/XX/XXXX and XX/XX/XXXX. I did not receive them until XX/XX/XXXX. The first letter said my debt was charged off for failing to fulfill my " contractual obligation '' and was being sent to collections. No explanation was provided for what this meant. The second letter, dated XX/XX/XXXX, said I had 15 days to pay the debt. Relying on the second letter, I paid it in full on XX/XX/XXXX and called Honda Financial Services on XX/XX/XXXX to have them remove the charge off from my credit reports. The representative was rude from the start saying they called and told me I had to pay it in full. I never received a call or letter prior to XX/XX/XXXX saying if I did not pay the balance by XX/XX/XXXX I was going into collections. He said they spoke to my wife, but she was never told that if full payment was n't made by XX/XX/XXXX, the debt was being charged off and going into collections. When I tried to explain the reasons for the delay and that I paid it off once I had the ability to do so ( which was also within the 15 days demanded in Honda Financial 's letter ) the representative 's response was " not my problem ''. He refused to remove the charge off and said I could not speak with a supervisor. The representative also denied having any information of Honda Finance sending me the XX/XX/XXXX letter that gave me 15 days to pay off the balance. I faxed it over to him but of course got no response. <P/>Based on their fraudulent and misleading representations my credit score was lowered 90 points. I was never advised that if I did not pay off the entire balance in 30 days that my account would be charged off or sent to collections. I never receive a final letter until after the debt was already charged off. I also paid off the balance within the time specified in Honda Financial 's letter and its response to me was essentially " we do n't care '' and " not my problem ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/30/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I contacted Midland Funding on XXXX/XXXX/2015 to dispute an item they placed on my credit file. I sent them a dispute letter asking them to provide me with information on this debt with my signature agreeing to this debt. XXXX days went by, they sent nothing. According to federal law and the FDCPA they were suppose to remove this item. They did not. Since they did not remove the item within the XXXX days given by federal law, I then sent them a letter on XXXX/XXXX/2015 asking them to cease all communication with myself, XXXX, XXXX, and XXXX. They have failed to do that as well which violates The Fair Debt Collection Practices Act. If they contact myself or ANY of the XXXX Credit Bureaus regarding anything concerning me I will immediately contact CA Attorney General XXXX XXXX directly as well as file a complaint with the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Late fee

Complaint: Citibank took over an old account ( Exxon ) credit card from 1990 and said interest has grown to over XXXX they kept calling and harassing me until I changed my number. 
Citibank said I owed XXXX before I canceled the card back XXXX, now they want all the interest money and have reported me over and over again to the credit bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/25/2015 about Debt collection (Medical) with AR Resources, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: AR Resources Inc contacted me on my cell phone on XXXX/XXXX/15 claiming to be a debt collector, but they would not tell me who they represented until I verified my PII ( including the last XXXX of my social security number ), which I would not do because I know I have no outstanding debts. They refused to tell me who they represent, so I told them that was against the law and they ended the call. Friday XXXX/XXXX/15 I received a paper collection notice in the mail from AR Resources Inc, claiming to be collecting on behalf of XXXX in the amount of XXXX. I did have XXXX claims for that provider, XXXX on the date of service they listed ( XXXX/XXXX/15 ), but the amounts did not match either claim, both which have been paid. I logged into my insurance website to review my explanation of benefits. The standard charges for services rendered that date were XXXX and the contracted rate between XXXX and the provider was paid on XXXX/XXXX/15 in the amount of XXXX. This company is trying to collect the difference between the standard fee and the contracted fee the provider would charge, which is fraudulent. That amount does not exist to be collected by anyone, as the contracted rate between the insurance company and the provider has been paid. They were aggressive on the phone and refused to identify themselves and now, they are trying to collect on a debt that does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Credit reporting () with ONLINE Information Services, Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a letter in the mail from the credit bureau and the information in the letter is incorrect, it belongs under my cousins name not mine.

Company response to consumer: Closed
Consumer complaint received 10-01-2016 about Consumer Loan (Vehicle loan) with Home Loan Center, Inc. (FL).
Issue: Shopping for a loan or lease

Complaint: I was exploring a refinance of my car loan and clicked on an advertisment for LendingTree to get an idea of rates. I was made to believe that I would see rates before I asked for my credit to be evaluated. I was only asked for the last XXXX of social security number, used when making soft pulls on credit but never hard pulls which require the full social security number, and never told that I would have hard inquiries placed on my credit report. Instead, LendingTree sent my information to several 3rd parties who then all made hard inquiries on my credit reports. I have XXXX from XXXX on my XXXX report, XXXX from XXXX XXXX XXXX - XXXX on XXXX and XXXX on XXXX - and XXXX each on XXXX from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian sent me a letter refusing to conduct an investigation of errors on my credit report because they said the letter was suspicious. I am attaching a copy of the letter I sent them to this e-mail, and there is n't anything suspicious about it. I even included copies of my 2014 XXXX and drivers license to verify my identity. They gave me an e-mail address to go to so that I could verify my investigation request XXXX. After entering in my information, they told me I had to mail in my request. Well, obviously, I 've already done that. They also gave me a phone number to call : XXXX. I called it, but I ca n't get out of the automated system and speak with a real person unless I buy something from them. The investigations are supposed to be for free.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a Credit Card with XXXX XXXX XXXX. after nearly 2 years of on time payments i made a payment with a work account which they rejected. No big deal BEFORE the due date i made another payment and not only did they close my account they reported me late on the Credit Bureaus. The payment was made XX/XX/XXXX ironically i made the payment XX/XX/XXXX and payment was not due until XX/XX/XXXX. You can never get anyone on the phone as my account has not been turned over to a " special deparment '' As i type this complaint i have been on hold for nearly 20 minutes trying to make a payment. Practices like this company go unchecked. They have committed an intentional crime not a mistake and i need help getting them to own " their '' mistake and correct my XXXX Transunion and XXXX In conclusion i was just HUNG up on while waiting to make a payment. Thank you

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