milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2016 about Consumer Loan (Installment loan) with TD BANK US HOLDING COMPANY (TX).
Issue: Managing the loan or lease

Complaint: I financed a mower over 24 mos@XXXX per month. After about 7 months they raised my monthly note to XXXX. I had put it on auto debit at my credit union for the XXXX, so when I received the monthly note from them, I just disregarded it since I knew it was being paid. I started getting late payment notices and fees around this time and called about them. They waived them twice, but never mentioned that I was n't paying the new minimum. I finally called when it was handed to their collection dept. and that was when I found out that my note had been raised. ( This was yesterday ) They said I had been notified and because they had already waived XXXX late fees, they could n't waive any more, so I am on the hook for $ XXXX+ of late fees. My frustration is that they have n't missed a single payment. The only thing they are out is " late '' fees for my not paying the new minimum payment since XX/XX/2016. I contracted for 24 payments of XXXX and I have held up my end of the contract. They are trying to extort hundreds of dollars of late fees for a trumped up increase of {$0.00} per month. I do n't want my credit rating damaged because of this, but it has been already. Unless you can help, I either pay up or face ruined credit for something I ca n't avoid. I do n't want something for nothing ; I just do n't want to get XXXX by a bank because they think they can. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-01-2016 about Bank account or service ((CD) Certificate of deposit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: WHILE BANKING WITH BANK OF AMERICA I ASKED TO SEE SIGNATURE CARD AND WAS DENIED. DISPUTING FRAUD THAT WAS DONE BY AN EMPLOYEE THE BANK FAILED TO RESOLVE ANY ISSUE INCLUDING THEM GIVING ME CHECKS WITH WRONG ROUTING NUMBER.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Unexpected or other fees

Complaint: On  XXXX / XXXX /  XXXX   I looked up the balance to m y American Express Gift Card,  and the record showed that it had been used fraudulently. I received this card months ago as a holiday gift, and it had not left my wallet.     The charge that I disputed was made at a   XXXX   XXXX   at  XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX , CA with a transaction date of  XXXX / XXXX /  XXXX   and a post date of  XXXX / XXXX /  XXXX  . The disputed amount was {$21.00}.     I contacte d American Express customer services, gift card division, and they said that my o nly recourse was to contact the merchant directly. The merchant could do nothing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: Privacy

Complaint: I attempted to access my account at Citi.com so that I could pay my balance. I have n't used the card in a while and could not remember my password. Their online password reset sequence asked for my full credit card number, the security code, and answers to my security questions. I could not remember the answers to my security questions. 
I called them and spoke to a representative. He asked me for all the same information and then told me he could not reset my password unless I could answer the security questions. Typically, prior to this point, I am offered the option to email me a password reset link. He said that was not possible. 
I finally asked him to send me a paper bill so that I could pay my balance. He again asked for my personal data. 
I am concerned about identity theft, since I gave them the PAN and security code at least XXXX times ( XXXX online and XXXX on the phone ). Also, not being able to access my account electronically at all is bad business and unacceptable to me. 
1. Should I be concerned about this? 
2. How will my FICO score be affected if I cancel this card? 
Thank you very much. 
Regards, XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Debt collection (Medical) with Westside Recovery Services, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Company sent me a copy of my old personal info being scratched out and replaced by someone info and then sent me a collection bill. I have not done any business with this medical office for the last 5 years!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I 've had way too many inquiries put on my credit report. After time and time the finance manager at the dealerships told me sending it out to all banks would only count as XXXX inquiry but they lied about that. Next, I have like XXXX plus inquiries on my report. I disputed them with all bureaus and it still came back saying this information is correct, which it is n't. I want the inquiries removed. I now ca n't get anything due to having too many of them.

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 11/22/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Problems caused by my funds being low

Complaint: I deposited a check at Bank of America on XXXX/XXXX/15 after XXXX XXXX, but I did not realize the check was dated XXXX/XXXX/15. The bank bounced the check on XXXX/XXXX/15, I think the money was available on XX/XX/XXXX but they decided to reject it. I deposited a check for {$1100.00} on XX/XX/2015 and was informed there was a hold in place for {$900.00} until XXXX pm XXXX/XXXX/15 and that I was told by XXXX of bank America that {$200.00} would be available by XXXX Saturday XXXX/XXXX/15, ( see attached account history for XX/XX/XXXX ) sometime Saturday the entire amount was put on hold and the check is now on permanent hold, ( see attached bank statement ) I am not sure when it will be available, when I asked XXXX of bank America why, he said it was in the risk dept, and to call Monday, I feel Bank of America is trying to generate fees and lying to me when I try to address my account problems, I have no funds in my account, and feel I am being treated in a arbitrary and capricious manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: # # # I HAVE BEEN DISPUTING THIS FOR 4 YEARS SINCE XX/XX/XXXX # # # # # This information has been disputed over and over again and has consistently been reported inaccuate! In XX/XX/XXXX, my loans were consolidated by XXXX XXXX ( dept of ed ) and placed in good standing ever since I am currently in repayment in good standing since XX/XX/XXXX. THESE ACCOUNTS WERE NEVER IN COLLECTION WITH AN OUTSIDE COLLECTION AGENCY! I have adamantly disputed and requested documentation from both experian and the dept of ed since XX/XX/XXXX these XXXX accounts in question ( XXXX ... ) dated XXXX XXXX have been reported numerous different ways concluding investigations over the years. Inititially, it was reported as a charge off, then a collection and also at XXXX point both a collection/chargeoff. ALL WHICH ARE INCACCURATE AND UNTRUE. These XXXX accounts consolidated on XXXX/XXXX/XXXX by direct loans in the amount of XXXX ( XXXX loans ). THIS IS THE MOST RECENT AND ACCURATE INFORMATION REGARDING THESE XXXX LOANS WHICH ARE NOW BEING REPAYED WITH A NEW LOAN SERVICER ( XXXX XXXX borrow ). They are not permanently assigned to government or was in collection in XX/XX/XXXX as reported in the payment history on my experian report. In fact, there is no other payment history being reported beside this negative info dated XX/XX/XXXX. 
# # # # # I HAVE AMPLE DOCUMENTATION CLEARLY INDICATING STATUS OF CONSOLIDATION XX/XX/XXXX FROM DEPT OF ED # # # #. In fact, just last month i disputed this inaccurate information again ( since XX/XX/XXXX ), I went to great lengths to provide documentation from creditor ( dept of ed, XXXX ) clearly stating both loans were consolidated, paid, and MOST UPDATED STATUS IS " CONSOLIDATED IN GOOD STATUS '' as a result of my recent dispute in XX/XX/XXXX ( report # XXXX ), onc account was removed and the other still remain as a negative account ( XX/XX/XXXX collection mark in payment history ). BOTH ACCOUNTS SHOULD HAVE BEEN REMOVED AND REPLACE WITH A GOOD STANDING OF " CONSOLIDATED XX/XX/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 06-01-2016 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Fair Collections & Outsourcing is currently reporting a collection account on my credit report from XXXX. I have no knowledge of this account and i have never rented an apartment from XXXX Apartments. The address has never been a residence of mine and i have no knowledge of this account with them. I was never given a XXXX to dispute the alleged account as well. This account does not belong to me and should not be reporting on my credit file

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 12-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My husband and I went to a couple car lots and told them to only run my credit with XXXX credit with XXXX creditors only. They ran it through XXXX. I DID NOT authorize that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have been disputing a collection account by XXXX on my credit report for several months. I have uploaded XXXX 's response indicating in response to a debt validation request that it has no information on the account. I have disputed this three times and also done a CFPB complaint against Equifax on this issue, to no avail. 

When I call Equifax and describe the problem, which is that Equifax refuses to conduct any meaningful investigation the representatives, usually in the XXXX launch into a script about the 30-day investigation period. 

Today, I finally reach a representative through three levels of supervisors in the US. Her name is " XXXX '' and her employee number is " XXXX ''. I told XXXX the problem and she stated verbatim that Equifax will continue to report whatever their customer continues to report no matter what. I replied in a recorded phone conversation : " XXXX, I want to be very clear on what you just told me because do not think what you just said is in compliance with the FCRA with regard to Equifax conducting an actual meaningful investigation. In fact it is likely the basis for the majority of complaints agaist Equifax with the CFPB. Assuming that I sent Equifax documentation from that a creditor or collection agent sent me in writing indicating they could not provide any information at all about on an account, but then that creditor comes back and verifies, Equifax will re-report and continue to report even if it is looking at documentation which clearly states the opposite? '' XXXX said, " Yes, that is correct. '' I have gone back and forth with the all of the credit reporting agencies on this point and NEVER would one admit to something like this. Instead, they all dodge the question by reading the script. XXXX has finally been the first person to step forward and honestly state what Equifax ' policy actually is. If you ever have hearings on this matter I am willing to testify to this and back up what I have said above.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Debt collection (Medical) with Receivables Outsourcing, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I went to the ER at XXXX XXXX XXXX after being XXXX as a pedestrian. I paid the bills that XXXX sent me. Receivables Outsourcing, LLC sent me a letter to collect. I asked for a printout of the charges which they sent me. I called XXXX and talked to both of their billing departments and they both said I have no outstanding debt. I called RO LLC and they refused to talk to me without me giving them personal information. I refused to give them my information until they can verify the debt is real from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (DE).
Issue: Deposits and withdrawals

Complaint: I am a current XXXX and also in the Military and work XXXX jobs and go to school XXXX I have had several issues pertaining to USAA Bank and paying my creditors accurately, they process the payment and then the creditor can find the payment. For example onwed eve XXXX XXXX a payment was made to XXXX with a confirmation number and they see the payment attempt and yet the money is still not posted to the XXXX account. Now my XXXX services are delinquent and suspended. 
USAA Bank also has for the past 3 months paid the XXXX and taken the money back as well as XXXX water for the past 3 months when their is Sufficient Monies in my bank account forcing me to accrue banking fees each time with USAA Bank and the creditors. 
When I call USAA Bank they cant find the money and accused me of using an old card that was cut up months ago moreover I can not speak to a Supervisor until XXXX hours later. 
This is very frustrating and would deeply appreciate your help in resolving this matter.

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 10-08-2016 about Debt collection (Mortgage) with JPMORGAN CHASE & CO. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The purpose of this complaint is to clarify the terms and accounting on my clients ' mortgage. My clients suspect that they may be the victims of a predatory loan. They have asked the lender several times for basic documents and accounting, but it has failed to provide this information. 
The debt originated with Chase in 2005 with a balance of approximately {$290000.00}. Over the years, my clients have received XXXX hardship modifications to the loan ( XXXX for unemployment and XXXX for XXXX ). These modifications included a forbearance period. 
As my clients began to receive statements from Chase, they were surprised to find that the new loan balance had grown to approximately {$310000.00} -- an amount greater than the original debt. They made inquiry to Chase but received no relevant explanation of the new balance. My clients then filed a complaint with the Arizona Attorney General 's Office, questioning if the terms of the modifications were predatory. Several days later, Chase sent notice that the debt was transferred to XXXX XXXX XXXX. 
Because of the actions of the banks, I suspect that there are unfair, predatory, abusive and/or deceptive terms in the loan or modifications. Further, because my clients have not been provided with relevant information concerning the debt alleged, they feel they can not make informed decisions about it.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Debt collection (Credit card debt) with CL HOLDINGS LLC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: As of XX/XX/XXXX, having the good faith belief that the small amount of information I received from the plaintiff '' ( Jefferson Capital Systems ) '' and plaintiff 's attorney ( XXXX XXXX XXXX ) ; might be accurate. I spoken with plaintiff and plaintiff attorney about reducing the debt amount from XXXX to what I agreed to the creditor '' ( XXXX ) '' in XX/XX/XXXX, for the amount of {$300.00} on a {$500.00} balance before class action lawsuit that was filed in XXXX, Ga for their predatory banking lending practices. I never received any notification so I assumed that my account was dissolved in the class action lawsuit, until I received correspondence from Jefferson Capital Systems stating they were suing me for a debt they claim to have rights to collect. When I reached out to plaintiff and plaintiff attorney upon receiving correspondence of a summon to resolve matter of debt in the amount of {$300.00}, neither was willing to work out anything based on the terms that was already presented to me by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been paying on my student loan almost XXXX years. They are saying my principal balance has only gone down {$390.00} after all this time. They say I have another XXXX years left before it 's paid off. The original loan was {$5000.00}. The principal balance is {$4600.00}. This is at 11.8750 % interest. It just does n't seem to add up. I have asked for a payment history, but have only receive a partial. XXXX XXXX was who the original loan was through before Navient took over. All the payment history that was with XXXX XXXX they have refused to give me. I have tried several times, but what they give me always has missing information or inaccurate information. They ca n't explain to me why this balance has n't gone down more than it has. I always get the run around with them and it always seems like they are hiding something. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Credit card () with CITIBANK, N.A. (TX).
Issue: Transaction issue

Complaint: A credit was applied from XXXX to my credit card account, dated XX/XX/2017. On XXXX, I used XXXX, on the CitiCard website and asked the credit balance amount, approx {$750.00}, to be sent to my bank account. This is the same bank account used to make payments for the credit card use. I was told it would begin processing on the next business day, XXXX. I called CitiBank on XXXX asking for the status of the credit balance refund request and was told the refund was initiated on XXXX. They could not explain why it was not initiated on XXXX even though I had not used the credit card since XXXX. I do anticipate the credit balance refund to be applied my bank account by approx XXXX based on their timing shared, on the second request. 

It seems the credit card company, in this instance a bank too, failed to execute the initial credit balance request and waited nearly 6 days, 3 business days, before they supposedly initiated the refund process. In the meantime, the bank continues to earn interest from my credit balance owed and I 'm sure thousands of others too. If indeed the refund request was initiated on XXXX, which I doubt since they lied to me on the first request, why should a bank/credit card company be allowed to hold a credit balance, in this case for 11 calendar days? 
1. When a customer has a credit balance for longer than 5 days, the bank should be automatically contacting the customer on how to proceed to refund the credit balance. 
2. My account history shows I requested the credit balance refund on XXXX, and therefore should have been processed on the next business day, XXXX. 
3. Credit card companies should not be allowed to delay a credit balance refund request if the credit balance is over a certain amount -- example {$250.00}

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 03/21/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (LA).
Issue: Problems when you are unable to pay

Complaint: Santander Consumer USA is reporting my car loan as charged off from XX/XX/XXXX-XX/XX/XXXX on all XXXX of my credit reports. I have disputed the account as reporting inaccurately with all XXXX credit bureaus and they claim that the account is reporting accurately. I have also sent Santander a letter about the fair credit billing act but I have n't received a response from them either. Santander had my vehicle repossessed in XX/XX/XXXX for 1 day because I paid what they claimed I owed them and the car was returned back to my possession. Since then I have made every payment on time and Santander has not corrected the inaccurate information on my credit report. How could the account be charged off when I have the vehicle and I am still making payments on the car. I also a proof from my online Santander account to show that I am current and still making payments on the car. A charge off only occurs one time and should not be reported to the credit bureaus every month for 2 years as charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX today at XXXX XXXX. Spoke to XXXX ; I asked if the they could remove an error from my credit report. I told her that under the FCRA section 604 ( a ) ( 3 ), this reporting does not fall under these terms use in this case : accessing my credit report was not for employment purposes, underwriting for insurance, eligibility for a license, investor, a credit transaction and so forth. 

I spoke to Experian and spoke to several representatives starting at XXXX XXXX today. The last person I spoke with was XXXX who advised me to contact XXXX XXXX. This error is preventing me from obtaining credit and to build towards getting a loan for a home.

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