milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-10-2017 about Checking or savings account (CD (Certificate of Deposit)) with KEYCORP (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: A collections attorney has frozen funds in my CD account at Key Bank.   They obtained a judgment against me without proper service and I am in the process of having that reversed.   The debt came from unpaid bills from my previous employer that went bankrupt. I was not a owner in that company but I signed the checks. The collections company did not have success going after the bankrupt company thus they came after me.   When I received notice that Key bank has been instructed to freeze funds, I called the owner of the food supplier and questioned why he did this since he knew I was not a principle of the company that owes him. I told him that they froze approx. {$30000.00} and I do not have that money in my savings account. He contacted me the next day via text message that I lied and I have {$200000.00} in my account. That  XXXX  is my investment CD not savings yet how does the collection agency and their client know that I have $  XXXX  in my Key Bank CD?   I called  Key  Bank and they would not discuss the situation with me thus I have chose to file a complaint about my bank and how my personal info was given to the collections agency?

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Mortgage (FHA mortgage) with State Home Mortgage (GA).
Issue: Loan servicing, payments, escrow account

Complaint: When I purchased my home, I used the Georgia Dream program, which gives {$5000.00} towards closing costs and down payment. I was told it would be a 2nd lien on my property, but that it would go away after 5 years. I just learned that it does not go away and has to be paid back upon refinancing or selling of the property. I have spoken to other people who signed up for this program and they also thought the lien would go away after 5 years. There is not enough information online regarding the Georgia Dream program and I could not look this up to verify it. It is not fair to market something like this only to find out later that it has to be paid back unless you stay in the house forever.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: There was several accounts reporting on my credit file that did not belong to me. These accounts are reporting as a result of identity theft. I submitted the credit agencies with copies of a police report earlier this year and these items are still 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 non-monetary relief
Consumer complaint received 06/28/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The bill collectors in charge of collecting my XXXX XXXX XXXX now carried by XXXX XXXX called me every single day, often times multiple times per day- in XX/XX/XXXX-through approx. XX/XX/XXXX. I had no idea that time was illegal until now. I can order statements from my cell phone company to confirm this occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Mortgage (Conventional fixed mortgage) with CARDINAL FINANCIAL COMPANY (UT).
Issue: Settlement process and costs

Complaint: I applied for a refinance with Sebonic Financial/Cardinal Financial on XXXX/XXXX/15. It took 3 weeks to receive an appraisal, rescheduling 2 times prior to signing closing. But my biggest concern is that I never received a closing disclosure document prior to the notary coming to my house. I did not have time to review my responsible charges. I feel there were incorrect charges on the document. I did not sign and the notary did not leave a copy of the document at my house either.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have over 42 inquiry on my credit reports with all 3 reports.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My identity was stolen a few years back and I just learned that there are still a lot of hard inquiries and accounts on my credit that are n't mine. I had filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Recently attempted to call and confirm another police report sent to Experian. 
Their current stance is we have not recived it ... .. 
XXXX requested a police report dated within the last 30 days so I submited this also to Experian to request FCrA 605b block of information. This nightmare had been ongoing for 3+ mo with them and despite numerous attempts to get hem to follow FCRA laws they refuse. They keep opening investigations. They refuse to supply me with method of verification and continue to place me at an unfair advantage when requesting credit. 
I ca n't get approved for a mortgage due to this account and it 's causing my entire family XXXX and hardship. I have every intention on pursuing legal actions if I do n't get this resolved. 
I am opening a duplicate complaint so I can submit the most reason police report. 
Experian had already recived ID and proof of address from recent disputes related to XXXX different addresses and XXXX name variations.

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 02/16/2017 about Credit card () with TD BANK US HOLDING COMPANY (NV).
Issue: Late fee

Complaint: I attempted on several occasions to obtain assistance with the late fees on my account which were incurred while I was in the hospital from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX with Target Card Services DBA TD BANK. I have spoken to the following agents : XXXX, XXXX, XXXX. Supervisors : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
I have never been late on this acct since I opened this acct until I landed in the hospital. I requested only XXXX Late fees to be waived of {$38.00} and {$36.00} and they refused as I was more than 30 days late.. I have never had this issue with none of my other credit card accts until this one. They are extremely rude, unprofessional and have on several occasions violated UDAAP. This is not a professional way to be running a bank in this capacity. They refuse to allow me to speak to anyone in charge above their phone supervisors.. I have offered to fax my hospital paperwork verifying this to be true. and the bank refused to remove my late fees and review my documentation. have other accounts with other banks and never had this issue before and this is quite disturbing. Not to mention these agents have committed many UDAAP. This is something that needs to be seriously investigated as they do not think they have to follow any laws as nothing applies to them except their made up policies which they said they can change at anytime with no notification to the customer. I completely disgusted with this organization. I would not call them a bank after they treat their customers the way they have.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I noticed on my XXXX report an inquiry that I did not authorize from Citibank NA., BEST Buy Dated XX/XX/2017.

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 12/22/2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: A man called my wife in the morning from " XXXX '' XXXX. He basically disclosed to her that they were suing me for a debt that i have with ace cash express. I called this number to speak with them personally. The man never gave me his name and he never mentioned what " XXXX '' stands for. He started of by telling me he was an attorney of some kind and they were taking legal action against me for a fraud i commited. When i asked him to send me a letter to validate my debt he got angry and started to threaten me with a lawsuit and then started yelling at me telling me " a real man should pay his XXXX debts '' and for me to " pay my XXXX debts '' and hung up on me. I called ace cash express to confirm the debt that i owe to them and i do, but when i told them the story they stated that those are bad collection attempts and ace would never sue me for a debt. So i called XXXX again and i asked for the guys name and what the company abbreviation was and he never told me his name nor the actual name of the company. My wife was very frigthened about this and has caused an uproar about this. Please help us resolve this matter. If these people are harassing us, how many have fallen victim to these threats. thank you kindly for your time and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX, XXXX and Equifax are allowing XXXX XXXX XXXX  to report false information on my account, and is allowing XXXX XXXX XXXX  to keep peoples account open even though the accounts XXXX XXXX XXXX XXXX and account XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Bank account or service (Other bank product/service) with SANTANDER BANK, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: A LOCAL MAN STOLE FUNDS FROM ME AND MY MOM. HE JUST PLED GUILTY - HOWEVER I AM HAVING A HARD TIME FROM THE BANK TO RETURN THE STOLEN CHECKS/ MONEY. THE CRIMINALS NAME IS XXXX XXXX - HIS SENTENCING IS XXXX/XXXX/16

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXPERT GLOBAL SOLUTIONS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was a victim of fraud. I did not apply for any credit with the company and I realized It was I looked over my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Application processing delay

Complaint: My husband and I are longtime customers of Chase. We applied online about two weeks ago for a Chase credit card. In the past, we have received an instant decision which has also always been positive with a large credit limit. This time a message appeared saying it would be reviewed and that Chase would get back to us. When we inquired at a Chase branch, the representative was not engaged and said she had no notification of our application status in her system. I also registered my comments on the Chase website. 
I still have not heard anything back and would like to know the status of our application. Perhaps that 's not too much to ask of a bank that is the size of Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There were suspicious hard inquiries about my credit that I did not authorize. It happened XX/XX/XXXX and XX/XX/XXXX.  I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast 7 hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXX car dealership in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX off right now at the same time and I wan na take this in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Unauthorized transactions or other transaction problem

Complaint: Using the   XXXX   XXXX   app, it pu ts two or three s mall deposits into my account, which my bank is supposed to put back. But my bank has not returned the amounts yet.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problems caused by my funds being low

Complaint: On XX/XX/2016 my checking account at Bank of America had a positive balance of {$1100.00}. During the day XXXX electronic debits were presented for payment. They were in the following amounts : {$1400.00} {$33.00} {$6.00} {$.00} Rather than post the XXXX smaller amounts to my account first, which would have been covered by the positive balance, Bank of America, in an effort to create Overdraft Fee Income, posted the largest item first, thereby creating an overdraft balance, them posted the remaining XXXX items. 
The result was the charging of XXXX overdraft fees of {$35.00} each rather than XXXX. 
On XX/XX/2016 another electronic debit for {$7.00} was posted and another {$35.00} overdraft fee was accessed. 

This is an egregious process. To begin with, why did they post the largest item first? Next, its unconscionable to charge {$35.00} for a sub {$10.00} electronic debit. There is no credit risk since they paid the large item and only created {$330.00} overdraft. I have been a customer of the bank for over 10 years. 
Had they returned the item, I would have only been accessed {$35.00} instead of {$170.00}!

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 monetary relief
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX  FAILED TO UPDATE XXXX LOAN NO.XXXX, THIS ACCOUNT WAS DISCHARGED ON XX/XX/XXXX. UPDATE TRADELINE AS A DEBT CANCELLATION OF XXXX. PAID CLOSED CANCELLED.

ALSO, XXXX XXXX XXXX   NO.XXXX WAS REPORTING PAYING AS AGREED NEVER LATE PRIOR TO THE BANKRUPTCY OF XX/XX/XXXX.

RE-INSERT XXXX XXXX XXXX NO.XXXX. PAID IN FULL VER LATE AND CLOSED.

LASTLY, XXXX XXXX XXXX IN AN INVALID TRADE OF XXXX.

UPDATE STATUS PAID IN FULL, CLOSED/TRASFERRED TO RCS. XXXX IS NAMMED IN BANKRUPTCY XX/XX/XXXX AND DISCHARGED XX/XX/XXXX.

DELETE ALL HARD INQUIRIES FOR THEY ARE INCLUDED IN BANKRUPTCY.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have asked numerous times not to be contacted by XXXX and that they only communicate with me via US Mail. The company is contacting me several times a day via a Robo dialer. When I answer the phone they often hang up on you. The calls are originating from a call center in XXXX. I keep being told they will no longer contact me on my company cell phone but they still do. The debt collector often states they are on a recorded line but will not identify themselves until they try and verify all the personal information. I told them they were not authorized to contact this number.

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 08/29/2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (MS).
Issue: Managing the loan or lease

Complaint: I leased a brand new vehicle and in XXXX 2016, the vehicle was in a collision deemed a total loss by an adjustor - other party at fault. The at fault party 's Insurance company XXXX XXXX XXXX XXXX indicated they would pay balance in full and complete settlement with Toyota Financial Services. Federated Insurance company paid balance except for {$660.00}. Toyota Financial Services indicated that they were working the settlement out with the insurance company. I never heard back from Toyota regarding the issue and when I called Toyota Financial Services customer service line and input my account information, the prompt indicated " This account is closed '' and that there was no balance. Toyota Financial Services called me on Thursday, XXXX XXXX, 2016 ( 3 months after my last contact with them ) at XXXX XXXX and left a voicemail asking me to return their call and that it was urgent. I called back on XXXX XXXX, 2016 at XXXX XXXX and spoke to a customer service representative who said : " I do n't know why that person called, your account is closed and you do n't owe anything so you can disregard that voicemail. '' I then received a letter stating that I owed the remaining balance on the vehicle. Before receiving this letter, I was never notified that there was an outstanding balance nor was I notified that I had to provide any additional information to Toyota Financial. I called Toyota Financial Services on XXXX/XXXX/2016 at XXXX XXXX and talked to a Total Loss Representative who told me that if I could not provide a copy of an " Evaluation Settlement Breakdown '' and Police Report to Toyota Financial Services by XXXX XXXX, 2016, my account would be charged off to collections. This was the FIRST notification I received from Toyota Financial Services from XXXX to XXXX, and the first notification ever that I needed to provide additional information to Toyota Financial Services, on top of the fact that XXXX of their customer service representatives told me " your account is closed and you do n't owe anything. '' Furthermore, the insurance company representative XXXX XXXX indicated that she told Toyota Financial Services during the settlement that they do not give out copies of Evaluation Settlement Breakdowns, but I was never notified by Toyota Financial Services that there was additional information I needed to provide to them. I feel the treatment from Toyota Financial Services is very unfair, especially the fact that they waited until XXXX XXXX and one week before the charge was passed to collections XXXX to notify me that if I did not provide information that the insurance company was supposed to provide. I also feel deceived because a customer service representative who works with Toyota Financial XXXX 's customer support XXXX earlier indicated that my account was closed and that I did not owe anything, only then to have Toyota Financial Services come back and say I owe {$660.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: RE : Complaint # XXXX XX/XX/2017 D.O.C. 
XXXX XXXX XXXX XXXX in my previous complaint I did not adequately explain my complaint. 
I believe the 15 or so inquires in question was not counted as 1 deduction from my Credit report as it should be, because it was for the same type of purchase with in the 14 day window as allowed by law. I believe they were counted as individual inquiries, deducting points as such. please investigate and send me an updated Report. 

Thank you, 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 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: hi, i paid my entire XXXX XXXX debt off three months ago. it was {$600.00}. i sent the copies of the money order to transunionin in XXXX, PA immediately following. 
XXXX XXXX only raised my credit 100 points. my credit is supposed to increase 200 points. 
i called XXXX XXXX and i dout they are going to do anything.

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