milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/24/2017 about Checking or savings account (Checking account) with U.S. BANCORP (IL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: This complaint arises from the unauthorized use of my debit card for two withdrawals of {$800.00} each ( for a total of {$1600.00} ) on XX/XX/XXXX and XX/XX/XXXX, respectively. These unauthorized withdrawals took place from ATMs in XXXX, Wisconsin and XXXX, Wisconsin, while I was in Illinois where I reside, mere days before my wife went into labor with our son. After I learned of the withdrawals, I contacted my bank, U.S. Bank, to notify the bank of the fraudulent transactions. U.S. Bank asked me to submit a written statement describing the fraudulent activity. Per the bank 's instructions, I submitted a written statement of the fraudulent activity dated XX/XX/XXXX.
By letter dated XX/XX/XXXX, a mere week after I submitted my claim, U.S. Bank sent me a letter stating it had completed its so-called " investigation, '' and in conclusory fashion, denied my claim. U.S. Bank 's shocking letter claims that its investigation " indicates that [ I ] authorized the transaction ( s ) by providing the PIN and card or similar access '' to a non-account holder. 

U.S. Bank 's conclusion is incredible. First, U.S. Bank fails to explain who it concluded that I purportedly authorized to use my debit card, why I would have authorized someone else to drain my account of {$1600.00}, or even a single fact on which its conclusion is based. Second, I was nowhere near the XXXX or XXXX area on the relevant dates. 

After I received U.S. Bank 's denial, I reported this matter to the XXXX, Illinois Police Department. However, the police department stated that it does not have the resources to pursue an investigation into who depleted my bank account, especially since the unauthorized withdrawals took place in Wisconsin and they do not foresee being able to make an arrest in this case. 

In addition and importantly, a representative of the local U.S. Bank branch that I frequent notified me that several accounts were affected after an ATM skimmer had been installed at one of the ATMs that I use, thereby stealing various account information. However, U.S Bank has failed to adequately monitor unusual debit activity such as the out-of-ordinary activity that occurred on my account. 

U.S. Bank 's nonsensical and conclusory assertions denying my claim for the two unauthorized transactions are entirely without merit and should be reversed.

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 01-12-2016 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Billing statement

Complaint: In XXXX 2015 I paid this card off leaving a zero balance. In XX/XX/XXXX I placed a small order on easy pay of 3 payments of {$19.00} for which I never received statements and forgot about in the holiday rush. 

On XX/XX/XXXX I received an email from myfico that my credit score was dinged and they were reporting me 30 days delinquent. I immediately contacted them to advise I was not receiving statements and paid the balance in full requesting that all fees, late payment credit reports, my credit limit be restored back to what it had been. To date they have only reversed XXXX late fee of {$35.00}. 

I multiple accounts with Synchrony and have never had a problem. I certainly would not default or be late on a $ 20 monthly payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/27/2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have requested my free credit report from all XXXX credit bureaus. I have received the reports from XXXX and XXXX. Equifax has not submitted my credit report after XXXX requests made via mail. I have submitted valid documentation to Equifax which includes XXXX form, Social Security card, driver 's license and a copy of my utility bill. I have mailed requests to Equifax XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15. As of this date, I still have not received my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2018 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company as not validate this debt and has a negative mark on. My credit report Ive asked them to respond with the signed agreement for the account and they have failed to do so, now the account is not mines and they need to remove ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Student loan (Private student loan) with SLM CORPORATION (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Only HALF of the amount I paid to Sallie Mae through my OnlIne Bill Payment Service through my bank was actually credited to my loan. Prior to this incident, I had no problem with the FULL amount of my payment being credited to my loan. 

XX/XX/XXXX - {$25.00} paid and deducted from my checking account, only {$12.00} credited to my loan XX/XX/XXXX - {$37.00} paid and deducted from my checking account, only {$18.00} credited to my loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax reporting incorrect information. specifically, a negative XXXX XXXX account that is not mine thus impacting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Money transfers (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (IL).
Issue: Fraud or scam

Complaint: We attempted to purchase camera equipment via a Website XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. After receiving an invoice from alleged company we completed Wire Transfer as requested. Subsequently found evidence that site was a scam and attempted Recall of wire transfer. Transfer occurred between our account at Chase Bank and identified account at XXXX XXXX. Recall not complicated as Chase refuses to provide Hold Harmless Document to XXXX. We have supplied notarized evidence of Scam and our understanding is XXXX has frozen assets in receiving account

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Unsolicited issuance of credit card

Complaint: Chase sent me an amazon.com credit card that I did not request. When I called to inquire, they asked if I had aver had a Chase account. I said that Chase bought my bank a long time ago, but that I had closed the account. They implied that the card may have been sent to me as a former customer. I asked that they close the account and they said that they would. When I checked my credit report a month later, it showed an inquiry from Chase ( dated before I received the card ) regarding a loan or credit application. ( The type of inquiry that could affect my credit. ) The card did not show up on my credit report one or two months after receipt. I am concerned that the inquiry could affect my credit rating and annoyed that I had to use two of my three annual free credit reports to be sure that Chase closed my account as promised. It also is annoying that I had to spend so much time on this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2017 about Consumer Loan (Vehicle lease) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (FL).
Issue: Shopping for a loan or lease

Complaint: I have been fighting with Harley Davidson Financial Services since I was convinced by a misrepresentation of costs associated to finance a vehicle with them was done with me in 2012. Simple saying, I realized that this company is squeezing me with an absurd interest rates and I am simple tied with them to pay an absurd of interest. Which almost will make me pay the amount necessary to purchase XXXX of the vehicles at the final of the term. They had been irreducible and inflexible in almost every attempt I have done to solve the issue. I offered even returning the vehicle for them but the losses at my side of doing so is simple unacceptable. I am trying to renegotiate the loan with them at a reasonable, accepted interest rate or have a offer to purchase of return the vehicle that would be reasonable and fair. I already filled two different complains with the state of Florida financial services but they simple gave me the same responses I got directly from the company. I am pretty upset and feel myself unprotected, mistaken and frustrated. But I will not give up on my rights as a customer. I do n't know if because English is not my first language the sales person took advantage on me convincing that the terms were reasonable and fair at time of purchase. I am attempting to find finally a resort to protect my rights here with this agency

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (I do not know) with WELLS FARGO & COMPANY (TN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Calls to both my cell and home phones from a Missouri number, ( XXXX ) XXXX. A recording threatened to serve papers on me at my place of employment. I called them a total of 31 times trying to get information piecemeal before the different agents hung up on me. They called their company " XXXX '' and I could hear other collectors in the background following the same script as the one I was speaking to, verbatim. They mentioned Wachovia, with which I have not had an account since 2007. Each time ( at least 15 ) that I asked what type of account and the court jurisdiction where the action was being filed, they told me I was rude, or I was lazy and could n't take care of my debts, once even that I 'm not a good XXXX. They never would, or could, answer my questions. I do n't believe I owe Wachovia, now Wells Fargo, anything. IF I ever did, it 's way beyond statute now. If I truly do legally owe them anything, I will happily pay it. XXXX is either a phishing scam, or a sweatshop debt collector trying to extort money on legally unenforceable debts.

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 03-11-2016 about Mortgage (Conventional fixed mortgage) with Alabama Housing Finance Authority (WA).
Issue: Loan servicing, payments, escrow account

Complaint: ServiSolutions is my servicer. They paid taxes of {$3300.00} on XXXX/XXXX/XXXX for parcel # XXXX. My tax bill for XX/XX/XXXX was {$590.00} and my property parcel # is XXXX. This error created a negative balance in my escrow account. I received my statement and contacted them in XXXX XXXX to correct the error. It was not corrected until XXXX XXXX, XXXX when they paid {$650.00} on the proper tax parcel. This payment came out of my escrow account and included a {$45.00} penalty for late payment and {$23.00} interest charge on late payment. 
They did an escrow analysis at the beginning of this year and determined I owed a lot of money for the negative escrow balance which was inappropriately withdrawn. The escrow payment has gone up to {$490.00} a month from {$110.00} a month in order to fund the inappropriate disbursements. 
I have contacted them multiple times to fix the escrow account and my payment. They are telling me they will not credit my escrow for the amounts they fraudulently disbursed but are waiting for the county to refund them the first tax payment. Until then, they will not adjust my payment to the appropriate amount and will not accept any payment other than one that includes funds to cover the negative escrow.

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 06/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with REGIONS FINANCIAL CORPORATION (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XXXX   BUSINESS CARD -One of o ur cards was fraudulently duplicated and used pumping gas for total a amount of {$810.00} in the months of  XXXX  and  XXXX   2017 , while the original card was in our possession. Once we received monthly statement of charges from  XXXX , we promptly reported the fraudulent use to  XXXX  on  XXXX   XXXX , filling and faxing to  XXXX , their fraud investigation unit the form they had faxed to us.   It took more than 60 days for  XXXX  to issue partial credit of {$720.00}, while they have charged interest and penalties of {$360.00} on {$810.00} fraudulent charges which we are not responsible for and they refuse to credit {$360.00} back to our account.   We have called the customer service of  XXXX  and they say even though we are not responsible for the fraudulent charges, we are still responsible for Interest and Penalties.   This absurd and abusive practice  be one of th e biggest oil companies in the United States.

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 07/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: My originally loan was with XXXX XXXX, the loan was sold to NAVIENT. I paid an amount upfront so I wo n't have a payment until XXXX. I have been repaying my loans since XXXX, I graduated at XXXX. Every time I had asked them to provide me the total interest I paid, they referred me to a loan consolidation so they can charge more interest. My original interest was 3 %. I asked them many times to provide me a discounted payoff options to no avail. As of now, I do not have the information of how I still have $ XXXX and change remaining making payments for so many years. I would like cfpb to look into my loan accounts and provide me this information as Navient has not. Also, why would n't they offer a payoff option so one can cut their interest rather than inviting us for forbearance, consolidation, etc where it adds to the interest rate? This seems to be a highway robbery. Please look into this for me. Much appreciated. XXXX XXXX Tel : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX did an unauthorized hard credit check on me without my knowledge, as i have found out since that they do so often that they usually have an open class action lawsuit against them for it. I called XXXX telling them to remove it. They said that i had to dispute it with XXXX XXXX or some other website with a Transunion credit report since thats the one that participates in their unseemly, unethical behavior. I have reported it 2 times with XXXX XXXX with no response or investigation to either request that i have been told about. Of course there is no way to contact Transunion, that i have ever seen published, unless it to buy a product. I have been dealing with this for 2 months with only an oh well response from XXXX and my credit score went down 15 points because of this. Unacceptable from XXXX, Transunion and XXXX 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 09/27/2016 about Payday loan () with GVA Holdings, LLC (OK).
Issue: Charged fees or interest I didn't expect

Complaint: Took a payday loan from a company Called North Cash. Their interest rate is like borrow money from a Loan shark. It is not right they treat the consumers like that. My loan was {$1500.00} dollars with a payment of XXXX twelve installment payments. That is insane an not right. I do n't understand why the interest rate is so high and why I ca n't pay them XXXX every two weeks. It 's not right.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: i was in XXXX when my car was lost stolen at XXXX XXXX my card was used fraud in XXXX which i never went i called and sent plane ticket to regions they still not credit my money

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 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Byrider Franchising, LLC (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I filed bankruptcy XX/XX/XXXX this debt was discharge and XXXX continues to do hard credit checks without my authorization XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX these are just some of the times they have run my credit without my authorization I want it stopped immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Debt collection (Medical debt) with Medical Data Systems, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I requested a paper verification through the USPS because there are 3 debts on my credit report that I know nothing about. I never received the verification. I then contacted the company to request the verification verbally. 3 different reps stated that they would not send out another verification because company policy is that if the first verification sent out is returned to sender they will not send out another one. I advised her she could fax or email me the verification as well. She said they will not. I attemped to do a pay for delete so that way I can just get it off of my credit and they will not do that either. I need verification that they will not send to me. I advised I did not know about the debt and that I could not have signed anything since I don't live in NC. I haven't lived in NC since 2014. They will not send me out verification.

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 11-10-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I do n't have any documents waiting on a paper stating that I have XXXX balance in the mail the bank said it should receive it within 5-7 business days

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 12-02-2015 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Ive been request detailed information from Central Financial Control AKA Syndicated Office Systems in regards to an alleged account they continue to report on my credit reports, I 've contacted the XXXX to get help with this company and they did n't respond until months later after my request. I 've been sending letters to this company since XX/XX/2014, they removed XXXX other accounts that were on my credit reports but want remove this XXXX. I 've contacted the original creditor ( XXXX XXXX XXXX XXXX ) and they never responded to my many request to them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. BANCORP (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Continuation of CFPB complaint # XXXXDebt is over 15 years old. I received a call from XXXX who stated he is going to file a law suit against me for {$6000.00} that he claims I owe US BANK will file suit in XXXX XXXX Maryland. He stated I signed something extending the collection date ( I did n't sign anything ). His number is XXXX. I DO NOT OWE ANYTHING TO US BANK AND I AM BEING HARRASSED BY THIS DEBT COLLECTOR!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Settlement process and costs

Complaint: My husband passed away the first part of XXXX 2016 and I 've been trying to assume Mortgage but NationStar Mortgage is being very difficult to do this. My name is on deed but not Mortgage..We leave in a " Joint Tenancy state with the right of survivalship '' but lender does n't seem to care. I have provided lender with all they have ask for and still I 'm waiting. Ii contacted them back in XXXX of 2016 and also sent them the certified death certificate but nothing seems to get them moving. They say they will call me back, they do n't. 
They say they r sending paperwork for me to sign, they do n't, I 'm at a loss as what to do next.. I 've want to refinance the loan once it 's in my name, and now rates have gone up! 
Please help

Company response to consumer: Closed with explanation