milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2017 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: So I had an account with US Bank over 10 years ago. Now in 2017 they are trying to put me into the XXXX XXXX and freeze all my accounts and I owe them {$1300.00}. Im a working man who works check to check and can not afford to have this happen. I was over drawn on the account by about a dollar, and then they charged me a ridiculous amount for the overage charges. Now 10 yrs later after forgetting about it, they are having a legal company contact me and tell me that Im going to get my accounts frozen and I have to pay! US Bank is trying to ruin me 10 years after something that I had forgot about, and for a {$1.00} overage. I am hoping to get This resolved so I either only have to pay what I was over 10 years ago or just not {$1300.00}

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 08/16/2015 about Credit card () with JPMORGAN CHASE & CO. (CT).
Issue: Billing disputes

Complaint: I went to the XXXX XXXX website to purchase tickets. They had an offer for a Chase XXXX XXXX card which would take {$50.00} off the ticket price in the form of a statement credit. They showed how much the net cost would be. I applied for and received the card, and purchased the ticket on XXXX/XXXX/15. When I received my statement, there was no credit. I contacted XXXX and they referred me to Chase. Please see attached e-mail confirming that I am due the credit. I filed a dispute with Chase on XXXX/XXXX/15. They have not responded except to confirm receipt. My payment is due XX/XX/XXXX and although I know I do n't have to pay the disputed amount, they can still charge me interest and fees on it. they say they may contact me by letter for more information - I think that is a stall tactic to take this beyond the date my payment is due so I will either pay the whole thing or they can charge me more.The offer was clearly a come-on designed to get me to apply for the card ; now they are refusing to honor the deal. Can anyone help?

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Ideal Collection Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was renting an apartment at XXXX of XXXX in XXXX, FL XXXX. Upon leaving I verified that the account was paid in full. Now, 5 years later, a collection agency is posting gative information. 
Ideal Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I disputed but the information was not removed. I called Ideal and they gave me the run around and are not immediately forthcoming with any information. I called XXXX at XXXX and it was sold thus they have no information. 

This collection is false. I paid on time every month and was fully paid upon leaving. The Ideal agency is not forthcoming with information. 

I want this information off my record. 

Being as it was 5 years ago I no longer have receipts or any such thing. 

My XXXX and I are XXXX and this is very stressful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Customer service / Customer relations

Complaint: Yesterday ( XXXX/XXXX/2015 ) I contacted Capital One to advise them that I would be paying my credit card balance in full by XXXX or sooner. The agent confirmed to me XXXX TIMES that my card would be re-activated and available for charges once the payment is made ( see attached ). 

I made the payment that same day. 

Today, Capital One informed me that MY ACCOUNT HAD BEEN CLOSED as of XXXX/XXXX/2015, and that it can not be re-activated.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Payday loan, title loan, or personal loan (Payday loan) with Credit Service of Logan, Inc. (TN).
Issue: Problem with the payoff process at the end of the loan

Complaint: The contract was taken over the phone and the company advised that I would receive a copy of the contract which I did not. I received a {$500.00} loan and the payoff was {$620.00}. I calculated the number of payments made and noticed I paid {$850.00}. When I contacted  XXXX   XXXX  they informed me that the withdrawals on my account would continue until   XXXX   XXXX   XXXX     which would have me paying them back over {$2000.00} on a {$500.00} loan. The representative advised me they only way I could stop that is to pay them an extra {$620.00} which I refused. I closed my bank account to prevent any further withdrawals because I have paid over the amount agreed and was not provided a copy of the contract which outlines I would have pay the balance in full as oppossed to installments and they certainly did not outline that clearly in the phone conversation or else I would not have agreed to take out the loan. Please assist me with having this company cease and desist with all collection and reporting activity concerning this paid loan.

Company response to consumer: Untimely response
Consumer complaint received 12/27/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (OK).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have XXXX collections on my credit report that have been added by companies that I have never had an account with. One is XXXX XXXX and the other Is called LNLV Funding. I have never opened an account with either go these institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX  's client  XXXX   XXXX  is an identity theft victim. Someone used his information to establish a Target retail account without his consent. Target was provided all needed dispute information  X/X/17    via certified mail, return receipt, which they received   XXXX    . During that time Target has continued to report this fraudulent account to our client 's  XXXX  and  XXXX  credit reports as a late account. Mr.  XXXX  has contacted Target on several occasions to inform them of the reported fraudulent account and the fact that its late status has had a negative impact on his credit reporting information ; each time he is told Target will correct this information however as of this date  X/XX/17    that has not happened. In addition Target has failed to notify our client of the results of the dispute as is their obligation to do so within a maximum of  45 bu siness days of receiving the dispute information. Target is in violation of the FCRA concerning and my clients federal consumer rights concerning this account.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX FOR ANY TYPE OF TITLE LOAN. THE LOAN THAT THEY HAVE BEEN REPORTING, THEY REFUSE TO IDENTIFY THE ORIGINAL CREDIT AND AMOUNT OWED.

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 EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: After working on my credit from XX/XX/XXXX to XX/XX/XXXX. My credit score went to approx. XXXX. In XX/XX/XXXX I was car jacked in XXXX on my way to XXXX, XXXX to start a new job with the State of XXXX.on XX/XX/XXXX. I had personal papers and belongings in the car. From that point on I did not do any derogatory things to my credit. I believe the last time I did was in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Credit card () with STERLING JEWELERS, INC. (PA).
Issue: Billing disputes

Complaint: I have been dealing with Kay Jewelers recently over constant lies to me and misinformation. When i signed up for 12 months interest free financing i new it was on that particular item, 4 months later i bought another item not included in the 12 months free program and i asked will that mess up my interest free financed item they said no, well it did because at the end of the 12 months my balance was way higher than should be and i was charged back fees. their excuse was i was late multiple times which there lays another problem, anytime i missed or was late i called and paid it asap and asked each time was there a late fee and i was told no. they then said they can refund part of my account, {$160.00} dollars than after it posted they recharged it. i have called them numerous times. they will not help, they say they will look into and call back and i have been waiting on the calls, some of their tactics should fall under predatory lending since they told me i didnt owe any late charges when they knew i did and they knew that would cause me to not be at a zero balance at the 12 months as well.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Bank account or service (Checking account) with PNC Bank N.A. (FL).
Issue: Account opening, closing, or management

Complaint: question on PNC loan app. ask what is my race? why? discrimination issue.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AE).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company refuses to issue my 2014 year XXXX. I am a XXXX XXXX service member, serving an overseas assignment, that I had to request my CPA to file an tax extension since I can not get this tax document from my loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint against Trans Union, because Trans Union has ignored my repeated request, to provide me with the documents that their company has on file, that was used to verify the accounts I disputed. Being that Trans Union has gone past the XXXX day mark and can not verify these items, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to promptly delete all information which can not be verified, that I have disputed. Please assist me in making Trans Union obey the law and delete this unverified information 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 11-10-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There has been a collection added to my report on all XXXX bureaus, that does not belong to me for {$890.00}. The collection company is XXXX XXXX collecting for XXXX XXXX XXXX. I have been doing searches on the company name, XXXX XXXX XXXX, and I keep seeing SCAM, FRAUD - lawsuits by states - cease and desist orders from states. I have filed disputes with XXXX of the bureaus and I will call the XXXX. I have worked so hard on my credit and I 'm just sick that I have to spend all of this time chasing down a fraudulent report. I 'm reporting this in hopes of clearing it up and to provide information, as I suspect I 'm not the only one this has happened to. Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: I am requesting Bank of America to review the decision on closing the account. I still have credit card with Bank of America and asking to allow me to have checking account. Previous checking account was closed on risk matter. 
I am having troubles with paying my bills with credit card from another account. Last time I entered incorrect account number and I thought that I paid the bill, but transaction did not go through. Bill due date passed and this resulted with credit score went down. 
I do want to keep Bank of America credit card. I am asking Bank of America to allow me to open new checking account. This would relieve all troubles I am facing with paying bills for credit card. 
Credit card : 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 08/18/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (AZ).
Issue: Managing the loan or lease

Complaint: Good Morning, I would like to file a complaint against Wells Fargo Dealer Service : Account # XXXX Collateral : XXXX Toyota Camery Amount Paid : {$9200.00} Wells Fargo Dealer Services was paid in full by XXXX using Draft # :XXXX and mailed to Wells Fargo Dealer Services via XXXX XXXX on XXXX XXXX, XXXX by XXXX. Customer Receipt # : XXXX XXXX XXXX XXXX XXXX. This was signed for upon receipt at Wells Fargo Dealer Service Payment Center at : Wells Fargo Dealer Service ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Proof of tracking of payment via USPS tracking # : XXXX, which was received on XXXX XXXX, XXXX at XXXX 
This is destroying my credit as they have reported " Non-Pay '' for almost a year now. 
Please take this off my credit report. 
Sincerely Submitted, 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 02/18/2017 about Credit card () with SYNCHRONY FINANCIAL (NM).
Issue: Credit card protection / Debt protection

Complaint: I received a Lowes credit card in XXXX with a beginning balance of {$3000.00} and continued making monthly payments up until XXXX which is when my spouse lost her job. I informed Lowes of what happened and offered to lower the monthly payments I could afford. I began making payments of {$54.00} to {$100.00} and after 5 months I asked for a balance update and discovered I made a small dent on my balance. I asked Lowes why my balance was almost the same? Lowes responded that only XXXX of my monthly payment goes to my balance and the rest goes to their interest. Lowes also said not to make large monthly payments because anything above the minimum will go to interest alone. I informed Lowes that I never agreed to such a high interest which they said I did. Lowes offered to help me make payments on my account and never mentioned a high interest account. Lowes only said to make minimal payments of {$54.00} a month until spouse gets another job. I stopped making payments over the minimum and my balance as of today is {$1600.00} after 8 years of steady monthly payments.

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 01-05-2017 about Credit reporting () with CITIBANK, N.A. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I addressed fraudulent activity on my account with Citibank, XXXX XXXX. Sent an affidavit to their location in XXXX Texas. Sixty ( 60 ) days later received a Return to Sender in the mail. 
There is no location or new mailing address noted. Please investigate as I do not feel an adequate and full investigation was performed of my concerns, ie., misbilling, unauthorized use.

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 11/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I Have been attempting to get reviewed for a loan modification And have submitted a complete package but I am not getting answers or any communication from our single point of contact XXXX XXXX at extension XXXX even through several messages on her machine and have spoken to other home preservation specialist XXXX with extension XXXX and claimed he would send a message for our SPOC rep to contact regarding the modification. At this point I am desperate, I am afraid ASC/wells Fargo is setting me up to lose my home. Please help me get through this tough time with the servicer

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 Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have several items on my credit reports that have been disputed with Experian, XXXX, and XXXX. I have been ignored on some disputes, and sent generic non-personable responses on others. The FCRA ( section 611 ) requires that credit bureaus provide me with the method of verification upon request from the consumer, and within 15 days of request. I am aware that the XXXX credit bureaus typically handle disputes internally by using 3rd party software such as XXXX, and rarely contact the original creditor directly. I am concerned about the validity and accuracy of your recent investigation of disputed info that is reporting on my credit report. I requested an investigation because I felt the items were not being reported legally. I have since received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation regarding the following accounts : 1. XXXX County Magistrate- ( XXXX docket # 's XXXX/XXXX/XXXX ) 2. XXXX- # XXXX 3. XXXX- # XXXX ( sent you a request to delete and you have not deleted ) 4. XXXX- # XXXX 5. XXXX- ( # 's XXXX,XXXX inserted XXXX with XXXX different amounts, XXXX ) 6. XXXX- # XXXX 7. XXXX- # XXXX 8. XXXX- # XXXX 9. XXXX- # XXXX 10. XXXX- # XXXX 11. 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 non-monetary relief
Consumer complaint received 06-10-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (SD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company calls me repeatedly throughout the day, every day, of the week. From morning until night. They have never left a message. They use multiple numbers to call me from. It interrupts me at work. it interrupts me at home while I care for my young son. I have answered XXXX in the past but nobody communicated on the other line. They call XXXX times a day for months now.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Student loan (Non-federal student loan) with Wetsch Abbott Osborn Van Vliet PLC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I now have a judgement against me from XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX for private student loans totaling they say for {$130000.00}. That is the lump sum they want or {$800.00} a month payments which I can not afford either. I have tried working out arrangements with them and at first they would take a {$100.00} a month but since I was not able to right then and I asked for paperwork for proof of my payments they wont accept that now they want those big amounts. They also wanted to raise my payments each year by a bunch and I could not say it was okay because I am unemployed and due to circumstances I will not be able to return to work. I have XXXX children to feed, cloth, and raise I simply can not afford that so I am begging you for help!!! These private student loans are killing me and others and shortly my Federal loans are coming up. I am currently on a financial hardship for them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (TX).
Issue: Managing, opening, or closing account

Complaint: My complaint is against Rush card. I have not been able to access my money or use my card since XX/XX/XXXX. I 've made multiple phone calls, sent multiple emails, sent multiple messages on social media, and here it is XX/XX/XXXX, and I am still without my money. I 've been contacted by a representative XXXX time, and that was on XX/XX/XXXX, after I was advised to send a direct message on XXXX. The representative had no resolution for me and advised that she did not know when the issue would be resolved. You ca n't get any answers from anyone, meanwhile this has had a huge impact on my life. I have now had to pay a XXXX deposit to my electric provider because I could not pay my bill by the shut off date. Rush card is not providing any help to their customers, and these issues are not resolved as they say on social media.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-10-2016 about Mortgage (FHA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Fifth Third has been nothing but difficult when dealing with them. A few years ago I had to have a modification ... it took a year for them to actually help me. After a year of first them stating that they " had all the documents '' then getting a letter stating that they did n't get everything and I had to start over. I had retained a lawyer but they were shut down by the FTC - then suddenly Fifth Third did my loan modification within days However they had to do a " buy back '' but would n't tell me why. Flash Forward till now ... I again lost my job and called them within a day because on their website they state you do n't have to be late to get help. I called before I was late, then I received a notice stating they could n't do a modification. I continued paying my mortgage but again, without steady employment as I thought ... it became difficult. So I have resubmitted my application 2 times ( one was an appeal ) they have rejected them with different reasons but offer a short sale. I have tried and tried to get in touch with my Specialist at fifth third ... but he will not contact me. I have sent an email to their VP of the Mortgage Modification department ... Nothing. I have left messages ... nothing except for automated calls telling me my mortgage is late! I just need help and information yet they are unwilling to even answer my questions. I have my emails, correspondence, timeline of all events and the stomach issues to prove how terribly upset I stay.

Company response to consumer: Closed with explanation