milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-12-2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (NJ).
Issue: Unexpected or other fees

Complaint: XX/XX/XXXX, received NetSpend Visa Prepaid Card as a gift XX/XX/XXXX,  contacted company to activate card. After going through the long process to activate, I was told that if I used the card as a " debt '' which I would have to, they would charge me {$2.00} for putting my pin into the machine. If I used the card with a " signature '' which I did not understand since you have to put a pin in for a debt card I would be charged {$1.00}. So this {$20.00} gift I received would only be worth {$18.00} or {$19.00} dollars. My benefactor had to pay {$2.00} to purchase the card and then I would not get the full benefit of her gift because the company would be taking fees. I told the company that I wanted the {$20.00} and they said they could send me a check in 7 to 10 business days. 
XX/XX/XXXX, I contacted the Department of Banking and Insurance in New Jersey and was told I have to contact the Federal Trade Commission and I asked for a telephone number. The number I was given was for a drug crisis center. Thanks, New Jersey. 
XX/XX/XXXX, I contacted the CFPB and was treated with respect and kindness. Thank you CFPB.

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 07-10-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (FL).
Issue: Managing the loan or lease

Complaint: XXXX XXXX XXXX XXXX Ally bank is a blatant liar. The letter she submitted dated " XXXX XXXX, XXXX '' is a complete fabrication, it was created in the same time frame as her letter dated " XXXX XXXX, XXXX ''. I have attached the actual correspondence that I received from Ally dated " XXXX XXXX, XXXX. ' This document can easily be validated by the barcoding, XXXX XXXX left that off the " suddenly discovered '' letter she back dated. 
If you read the real letter from XXXX XXXX of last year, it 's obvious that no further communication is needed or expected. The XXXX letters she submitted as my " final resolution '' of my complaint are an amateurish cut and paste job.

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
Consumer complaint received 05-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: portfolio recovery associates is trying to collect on I debt I do not believe is mine. They stated in the letter they purchased this bill in XX/XX/XXXX in regards to a phone bill not paid in XX/XX/XXXX they were not able to supply and address for this bill and the information they do provide is very vague. This debt would be XXXX years old if it was valid and according to the past history of this company I believe this to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I took a mortgage in XXXX of XXXX with XXXX and my then husband, for XXXX, the the best of my recollection. In XXXX, we separated, and he remained in the house covered by the mortgage. In XXXX, I had a XXXX Chapter XXXX which included the mortgage. XXXX stopped reporting it to all three credit bureau. Upon very bad advice from a lawyer, I quit-claimed the deed to him without him refinancing the loan. He then modified the loan with XXXX XXXX XXXX, increasing the term to 432 months from 360 months, and the amount to over XXXX from the original terms. I NEVER signed for this increase. XXXX XXXX XXXX, in XXXX, FL, states that they can modifiy the terms of the loan without my signature, and they have started reporting it on my credit report as of XXXX XXXX. The loan is already delinquent ( as of XXXX XXXX, XXXX, due for XXXX XXXX ). XXXX XXXX told me NOT to complain to the credit bureau, I did and Equifax already removed it but the other two have not. XXXX XXXX continues to report and I have been denied for two car loans because of " Excessive Obligations '' because the payment on this loan is {$3600.00} and I have my mortgage of {$1900.00}. The company stubbornly refuses to remove it from my credit report, and I will not be able to get a car loan or any other for the next XXXX years as a result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX have potentially negative on my account even doe i haven miss a payment. in XXXX XXXX XXXX contacted me and wanted me to send them paperwork for payment for XX/XX/XXXX and XX/XX/XXXX. i could n't and they was taking about taking my car if you take a look at my account from XXXX XX/XX/XXXX tillXXXX XX/XX/XXXX never miss a payment. I end up paying XXXX extra notes to catch up because i did n't have paperwork, now XX/XX/XXXX enough payment is missing. that potentially negative need to be removed. also my account started at XXXX XXXX and it still have n't move bal XXXX after 21 payment made please invastigated this company.

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 09/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In 2014 I rented a car from XXXX, XXXX in XXXX. During the rental period, without damage to the vehicle, the car experienced a flat tire. Upon return of the vehicle to XXXX at XXXX, XXXX, it was determined I was not at fault for the flat. There was no damage to the tire and this was admitted to by the agents to which I returned the vehicle, otherwise in perfect condition. Three months later, XXXX applied damage costs of nearly XXXX dollars to my credit card. I appealed to my credit card company and the charges were reversed. Since, XXXX has turned this debt over to a US collection agency. I am receiving up to 10 phone calls per day. They have not sent a letter to me to substantiate the charges as it appears they are required to. 

I have a perfect credit score and have never defaulted in any debt, nor even been late in payments. I feel that the charges XXXX has attempted to apply to my card post my rental were egregious and bordering on criminal. 

The collection agency has not corresponded with me other than an initial letter in which they asked for my explanation of the debt. They have not substantiated the debt by writing.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am lodging this complaint because Experian has refused to adhere to my request of providing me with the documents that they have on file that was used to verify the accounts that I disputed which in my eyes has not been properly verified and according to Section 611 of the FCRA they are required to delete any information that can not be verified that I disputed. Please resolve this matter as soon as possible. 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
Consumer complaint received 07-01-2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: Billing disputes

Complaint: We have AT & T Universal card for many years. My husband set up automatic withdraw account with them. We wanted to make sure the automatic withdraw account really worked. I called XXXX XXXX XXXX customer service and asked " Do we have an automatic withdraw account? ". The representative said " No, you do not have the automatic withdraw account. ". He send me the application form for automatic withdraw account. We mailed out a check {$1500.00} to them to pay for the bill. XXXX XXXX XXXX cleared the check onXX/XX/XXXX XXXX. They withdrawed {$1500.00} from my bank on XXXX XXXX. I called XXXX XXXX XXXX. They said I need to talked to my bank, XXXX XXXX. I talked to XXXX XXXX. They gave back {$1500.00} on XXXX XXXX. On XXXX XXXX, XXXX XXXX XXXX presented my check {$1500.00} to XXXX XXXX again and cashed out the money. I was so mad and called them. Finally they returned the money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Credit card () with U.S. BANCORP (OH).
Issue: Advertising and marketing

Complaint: In XXXX, a US Bank representative contacted me about my XXXX XXXX card with them and offered me a XXXX plus card. He stated they had a balance transfer option with 0 % APR that would save me a lot of money by transferring my Plus balance to. I informed him at that time, I was looking for a vehicle and did n't want a hard inquiry on my credit, so I would apply online after my search as I had a lot of home improvement projects coming up I 'd like to put on credit. In XXXX, I went ahead and applied for the Flex Plus and was instantly approved, I went through the motions of a balance transfer and my Cash Plus was not available as an option. SO I called and spoke with XXXX at their XXXX number and she told me I could get around the issue by going to my online account, selecting my card, entering the promo code XXXX and entering MYSELF as a payee. She said then funds would be sent to my checking account, at which time I could use them to pay off my current XXXX XXXX card and essentially get the balance transfer done that way. I thanked her, and when I went online to do it, I entered the info as she directed. I then received a notice in the mail that it was denied because I was an invalid payee. I called back and was informed they would not honor the balance transfer that I was promised, so I requested due to false and misleading information provided to induce me to apply and result in a hard inquiry on my credit, they close the account, and remove the inquiry. I was told a manager would call me back. No one called back after 3 days, I called in and was left on hold for more than 25 minutes. I called again and I was informed that the managers would call back. I explained i t had been nearly a week and no one was responding, she said it could take 3-5 business days. That time had passed. It has now been nearly 3 weeks and US bank refuses to respond to their deceptive practices that resulted in a XXXX point drop in my credit score which was XXXX at the time of my application and dropped to XXXX when I was approved. Had I known they would not honor the PROMISED balance transfer of my {$2000.00} balance on my Plus card, I never would have applied as my current plus card has a XXXX limit. My ONLY motivation for applying was the misleading and false solicitation by US bank promising me a balance transfer of 0 % APR on transfers and purchases for the first 12 months. I would like US bank to honor their original DOCUMENTED promise of a balance transfer, or, in the alternative, refund interest from last month on my current card and apply an interest freeze for 11 months to honor their original offer and promise of this promotional rate. US bank has violated the CARD Act and I am harmed by their intentional misrepresentations and refusal to mitigate or even respond to my complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Re : Request for Addition of Credit Information Dear All According to the Fair Credit Reporting Act, I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I am requesting that my good pay history with [ [ Creditor Name ] ] be added as soon as possible. The account has been open since [ [ XXXX/XXXX/XXXX ] ]. 
I have attached paperwork proving that the account should be reported under my social security number for your review. 
I understand that, " A consumer 's credit report should reflect completeness and accuracy within a reasonable time after notification by the consumer. '' I look forward to receiving an updated copy of my credit report reflecting this change. 
Thanking you in advance for your assistance. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CA).
Issue: Deposits and withdrawals

Complaint: paypal is trying to rip me off by transferring money from my bank account to my paypal account without my authorization. they have the worst customer service in the world! i just want to close my account but they wont allow me to do that!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2017 about Payday loan, title loan, or personal loan (Pawn loan) with CASH AMERICA INTERNATIONAL, INC. (OH).
Issue: Charged fees or interest you didn't expect

Complaint: To Whom It May Concern : Hello my name is XXXX XXXX and the reason for this letter is because I did business with XXXX XXXX. I pawn a ring few months back and I miss my final payment and the ring was surrender. So when call to ask about the ring they offer to sell back for difference price, then it supposed to be meaning it was 2 and half times more what it supposed to be, you only required to pay the amount of the interest and what you borrow from the company. The manager I was dealing with got very unprofessional because I was try explain the situation, I told her to show the policy that they can charge 2 and half of amount to buy back your product, she inform me that they dont have nothing that explain the policy.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TN).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage was bought out from XXXX by carrington. My family had a few bad financial months, and fell behind on our mortgage. I kept in touch with them and tried to make numerous XXXX payments in which they did not put towards my account, it went into a " holding '' account ( which I did not know ) when I called to make another payment they would not accept unless it was the full balance owed. I started saving money and calling weekly to make sure it would not be foreclosed on so I could pay the full balance. I finally had the total amount due and called to make a payment for my delinquent months. ( I had just spoken to a rep XXXX days prior ). They informed me that my home had already been sent to a foreclosure attorney a week prior. I explained that this could be true because I had just spoken to a rep XXXX days ago and I could make the payment. Long story short after the supervisor listening to her employee tell me all of the wrong information and that I had a few more days to pay and even saying wait till the XXXX month and pay that also -- that I would not be in threat of foreclosure she assured me that her employee did need more training and made a mistake but it would not change the fact that my home was in foreclosure. So now they will not take my payments and I have to pay reinstatement fees even though admitting her employee was wrong and gave false information. Now I am in fear of losing my home all because I relied on the workers to give me accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Mortgage (Conventional fixed mortgage) with MB FINANCIAL, INC. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage loan with XXXX XXXX Mortgage bank. The monthly amount I have to pay was {$1300.00}. This is made automatically every month. This bank was bought by MB Financial Bank on 2014. This bank raised my monthly payments to almost {$1500.00} without consulting or asking me about it. Even though I have make automatic payments every month, MB Financial is saying my amount due is about {$9000.00}. As you can imagine, the bank is not considering my monthly payment, so what are they doing with the money is deposited automatically? 
It is my primary residence and I am afraid of loosing my home. 
I tried to work with another bank to change my lender but they denied because the debt with MB Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was pulling my credit to looking into buying a home this year and I seen that there was quite a few unauthorized accounts on my XXXX XXXX, XXXX, Experian reports. I have not access my credit file since XXXX or XXXX and it seem as if someone use my personal information to access utilities and cable bills. I do not recognize these accounts that are listed on my credit file XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX ... I no longer live at the follow addresses I have been the victim of ID Theft so please remove the following address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX SQ, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 04/15/2016 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Deposits and withdrawals

Complaint: Someone fraudulently withdrew money from my savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Late fee

Complaint: I have an Amazon credit card through Synchrony Bank. They have a payment due date of the XXXX of the month. I paid my payment on the XXXX and they accepted it as posted on the XXXX of XXXX. The next day I am showing a {$35.00} late fee on my account. I called ( XXXX XXXX ) and was asked why I am waiting until the due date to pay my bill .... I told them because that 's when it 's due. They told me that if I pay on the due date that the system automatically charges a late fee and it stays on there for 36-48 hours. They told me I should pay two days before the due date. They admitted I was not actually late. The {$35.00} adds to my average daily balance and therefore to the amount of interest they charge me. Add that up over several XXXX XXXX customers and they are making a lot of interest on those pennies by adding a bogus late fee for two days. They do charge interest based on daily balance ( see attached documents ). I am charging them an overcharge fee of {$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 03/16/2017 about Bank account or service ((CD) Certificate of deposit) with FIRST NATIONAL BANK OF OMAHA (CA).
Issue: Deposits and withdrawals

Complaint: Dear Director : RE : Finance Company Consumer Complaint. / FNBO. / First National Bank of Omaha. 

Account Holder, Requested a Small Amount of Fund Transfer From FNBO, To Union Bank. 

Despite Requested The Transfer Days Ago, Fund Has Not Been Transferred. 

Finance Company, and Other Business Related Late Payment Fees ncuring, and The Consumer Very Concerned. 

Kindly Warn The Financial Company, Not To Intentionally Delay The Transfer, Please. 

Thank You Very Much, We Appreciate Your Business!!!! 

XXXX. 
XXXX, CA XXXX. 
XXXX. 
XXXX -- -- --

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: I had TD Bank checking account for long time and this account is charge off on j XXXX XXXX when I call and find out why is charge off. I find out TD bank line of credit was doing ach on XXXX which I did not tell to do ACH. line of credit was saying if I have any time retan the payment we cancel the ACH which is my payment was XXXX on XXXX XXXX after that stop doing ach on my account and a auto ACH start aging from my account on XXXX which bank do n't have any paper work. 
I do n't use this account from last year so I do n't check. without my knowledge how do I know bank doing ACH. now is charge off account and I do n't mind to pay the original amount but I can not pay any fee bank charge after wrong ach done. please call me for more detail. now recovery department was saying branch manage can refund all fee. when I call the branch manage she was saying she can not do it because of charged off account. I just want to get refund the all fee from bank charged to this account after XXXX XXXX and I will pay my balance to bank not any fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-06-2016 about Consumer Loan (Vehicle loan) with WHEELS FINANCIAL GROUP, LLC. (CA).
Issue: Taking out the loan or lease

Complaint: In XXXX, I was in need of a loan to move and the television and radio were inandated with advertisements from " 1-800- Loan-Mart XXXX '' I called and they offered me a " title loan '' for {$10000.00} specific to my XXXX Toyota Camry. The payment was and remains a staggering {$850.00} per month. Also, my ex-husband bounced a check to me in XXXX XXXX, which prevented making a payment so I called for an extension to which they repossessed my car, for the payment and charged me almost {$2500.00} to get the car back. The car was in the possession of an auctioneer only XXXX, which is where I retrieved the car from. I have been paying the {$850.00} monthly for over two years and the principle balance or payoff remains just a XXXX less than the original loan. What guidelines regulate the loan industry and why are they permitted to be rude, abusive and lend money like XXXX loan sharks?

Company response to consumer: Closed with explanation