milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I 'm unable to open either a business and or personal account with XXXX XXXX XXXX and I 'm completely confused as to why. I 've had no record of abuse with XXXX XXXX XXXX and I 'm being treated unfairly and would love to be a XXXX XXXX XXXX Customer.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AL).
Issue: Account opening, closing, or management

Complaint: I opened an Everyday Checking Account with Wells Fargo, that was supposed to be free of operating costs, and used it for a while. Without my knowledge, the bank started charging me XXXX $ monthly fee from XX/XX/2016 and swallowed XXXX $ in total in fee and started showing me negative.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit card () with U.S. BANCORP (FL).
Issue: Other

Complaint: On XXXX XXXX, 2016 I logged in to XXXX and submitted credit limit increase application. The application did not ask for a social security number and there was no notice whatsoever of a potential credit inquiry ( See attached screen shots ). I have multiple cards from other financial institutions and some require and inquiry ( either hard or soft ) while others do n't. A " soft '' pull does not impact credit score, a " hard '' pull does. Their inquiry was a hard pull. I was under the impression that this process would either need a soft inquiry or none as there was nothing specific in the application. While going through this process with my other credit cards, they all specified what kind of inquiry would be required. 

I previously contacted Elan financial Services and asked them to contact XXXX and have this inquiry removed immediately as it was unauthorized. My request was denied. 

I mentioned it to them that It would be beneficial to your customers and their organization to update the verbiage on the online application so it clearly states that a " hard '' inquiry will be required. Appreciate your attention in this matter. I have exhausted all other options to try and get this addressed. I have called multiple times, contacted transunion and Elan Financial Services in trying to get this resolved.

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 10-10-2016 about Debt collection (I do not know) with CITIBANK, N.A. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I pulled my credit today ( XXXX/XXXX/16 ) through my XXXX XXXX account and noticed that XXXX credit inquiries had been made against my account through the creditor " CBNA. '' They made XXXX hard credit inquires on my account that occurred XXXX/XXXX/16 & XXXX/XXXX/16. I never once applied for any new lines of credit, nor did I approve any creditors to run my credit for any reason during XXXX 2016. There should be XXXX credit inquiries made against my account during those dates in XXXX 2016 so I have no option but to assume this was a fraudulent act.

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 04/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (GA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I have been using  Discover Scorecard to track my FICO score for a little while now and my score has been steadily improving. I was on the Discover site and saw where it says to see " my offer ''. It also stated that it would not affect my score. I put in my name and last four digits of my social, knowing that I already have an account with them. When I submitted that information, I was directed to " My offer '', the Discover It card. After completing the application in is entirety and EVEN choosing my card design, my application was DENIED and when I checked my credit score , my score dropped due to that particular inquiry being added. There website is misleading. Particularly the wording of " Your offer '', letting me choose my card design, and stating that it wo n't affect my credit. i am working so hard to repair my credit and this is just devastating. I called   XXXX   and explained what happened and asked that they remove the inquiry, the representative told me that I had to call Discover Bank directly and that they would be able to remove it. When I called  Discover , I spoke with a supervisor named  XXXX  who claimed they could not remove the inquiry even after I explained that it was misleading. I asked to speak to HIS supervisor because I was tired of being lie to. He told me that there was n 't one  available and that one would be there at   XXXX   XXXX   eastern standard time. That was at   XXXX   XXXX  . He asked me for my callback number. I gave him the number ( the same one on my application/account ) and here it is   XXXX   XXXX   and I have still not received a call yet!

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NV).
Issue: Problems caused by my funds being low

Complaint: I open account with chase bank in Nevada I had over {$10000.00} in saving and small checking account over {$5000.00} aftera few checks. then I did not have any activity in my account. I let mymoney stay in bank with combined of checking and saving over {$14000.00} I was very busy to remodeling my future property forbusiness I decided to check my account for balance to open newbusiness account. I notice that chase bank was deducting $ XXXXfrom my account every month clos to a year. 
I called the bank. the said they can only give me Three monthsback not any more. go to branch and talk to them. 
I did as they guided me. but the branch did not do anything. 
I had no choice to close my account and lost {$500.00} to chaseBank even the employee first refused to give my money back. 
and close the account for because I told him that I am going tocomplain through face book, internet, any where I can and have myvoice to be heard. then he said now since you said that call thisnumber and get your money from them. I showed reaction. and toldhim you need to pay me now and I have no desire to have anybanking with chase at all. therefore I closed my account with $ XXXXlose and left the bank that supposed to keep my money safe. 
instead they stole my money. I like to know what is my option. 
Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been more than patient when dealing with the credit bureaus and their so called investigations. I have requested that documents showing that these below accounts are mine - and who they have spoken to regarding proof that each XXXX of these accounts are mine. My efforts have been ignored and I would like it resolved immediately

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 10/13/2017 about Debt collection (I do not know) with NRA Group, LLC (ID).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a debt collection notice from National Recovery Agency It states that I owe XXXX XXXX Idaho XXXX. I contacted them about this and ask, Who in XXXX XXXX? they told me by law they could n't tell me. I went to the XXXX XXXX Court House Clerks office and they knew nothing about this. I went to the Attorney Generals office ( scam division ) they knew nothing. They did tell me that by law they have to tell me who they are collection for. I called the National Recovery Agency back and advised them on what I had done, and that by law they were obligated to tell me, they refused. I explained to them that XXXX XXXX has over a million people and hundreds of businesses, that I 'm not going to make out a check to you for XXXX without knowing who or why. They still refused. I sent them a certified letter stating this ( for about the 10th time. I also let them know that if this shows up on my credit report I will turn this over to my Attorney and file a complaint with the Attorney Generals office which I did as the put on my credit ( XXXX ) I contacted XXXX and explained the situation and they took it off my credit report immediately. I do n't mind paying if I owe, but to how?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: I got a loan from Regional Acceptance Corporation address XXXX XXXX XXXX XXXX NC XXXX. The loan was for XXXX and with an accumulating interest of XXXX that was in 2011 now they still want me to pay another XXXX to pay off for car which I brought. I talk to them and gave an offer they refused and demanded that I pay or they want to reprocess the car and after they sold it I will still owe the differences. I paid a total of XXXX for a loan of XXXX, although, it was not a fair deal but that it what I could do at this time. I would like to file a complaint against this corporation so you can assess and evaluate the situation for a fair result. Awaiting for your answer, thank you, a suffering customer

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXI had  my full tax returns taken by XXXX XXXX first and navient the next 2 years. I called and got transferred. No answers. I am finally back on my feet. Getting a home again. The financial hardship this caused me is indescribable... how do I fix what they did?

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Debt collection (I do not know) with PAYPAL HOLDINGS INC. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently received a debt collection letter for a debt through PayPal. I have not had an active PayPal Account since 2007. I contacted PayPal about this, and they said I do not have an active account with them. 

So I am sending a dispute letter requesting verification of this debt. 

I did some research, and it appears they are sending this letter out randomly to current and former PayPal account holders. It appears it is a collection scam. XXXX So I am filing a complaint before they try and hurt my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: XX/XX/XXXX applied for XXXX XXXX by Chase Bank credit card. 
XX/XX/XXXX called in regarding for application status. 
The rep told me I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: First of all, I was notified that the Califor nia Tax Board had an  order to collect {$140.00} for registration fees. I was planning to catch up on those fees at the end of the month.       I started  XXXX  with a balance of {$49.00} the bank withdrew {$49.00} and left me with   XXXX   on  XXXX   XXXX .   I then had a service charge of {$25.00} for negative balance, ( which they caused )  XXXX   XXXX  they charged me with an overdraft fee of {$35.00} I then had an auto payment of {$19.00} I then had an auto payment of {$2.00} I was left with a negative balance of {$57.00} I believe that there was no court order for the amount of {$49.00} therefore Bank of America 's actions were in error.

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 04-03-2017 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Transaction issue

Complaint: Because XXXX erroneously charged me XX/XX/XXXX for a XXXX membership that I did not want and have never asked for, AMEX has not understood nor acted properly when I have assured you that your credit to my account simultaneously with XXXX 's credit has continued to show as a DEBIT over and over each month for {$99.00}. ( If you will review the attached statements and letter from XXXX ) AMEX has determined this to somehow be a debit that I now owe. Just remove your credit and this should leave a XXXX balance. However, over the past year - late fees and interest have continually been charged which is illegal on a disputed amount. 
On my XX/XX/XXXX statement - payments are shown for the balance with new charges of {$190.00}. There is no explanation of what this {$190.00} represents. Do you know? I can not follow your continual month to month charge of {$99.00} to my statement even after you agree to my dispute. 
As you can see from the attachments herein, nothing has been purchased and every transaction shown is your company trying to force me to pay you for NOTHING of value received by me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Galaxy Capital Acquisitions, LLC (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am a XXXX year old XXXX XXXX Veteran, over XXXX XXXX. I have XXXX and XXXX as well. I suffer from XXXX XXXX which has contributed to severe XXXX and serious XXXX issues. My health is very poor and my future is bleak! 

I have received a communication from XXXX XXXX XXXX telling me that I owe {$6700.00} from XXXX through Galaxy Asset Purchasing LLC, the original creditor. However, they will accept {$1000.00} in full settlement of this account. I have no knowledge of this charge and do not believe this bill is mine. 

Thanks in advance for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX/XXXX XXXX and the collector for this account, XXXX XXXX XXXX XXXX .... are wrongfully appearing on my TRANSUNION CREDIT REPORT. 
IN ADDITION XXXX XXXX XXXX .... IS wrongfully appearing on my credit report. 
I have NEVER ORDERED ANYTHING from these companies.EITHER someone has used my information to order or it is an error of the company.Also I have never received any product or merchandise from these companies.All 3 accounts should be immediately removed 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 01/18/2018 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (CO).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Closed my checking account with {$290.00}, as well as a savings account, in account on XXXX XXXX, 2017 over eChat. Never received my funds from either account. 

Contacted BMO Harris over the course of the past 3 months almost every 2 weeks via phone and echat. Finally got a resolution on my savings and was emailed a stop payment form which I faxed back and received a re-issued check in the mail. 

Have attempted numerous times to get the same resolution for my checking account.

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 08-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: 1 : 12 CFR Part 1026.11 ( a ) ( 2 ) and ( 3 ) violation. Multiple requests have been made via 1- ( Customer Service Telephone call ) ; 2- ( Customer Service Telephone Number which gives this option ; 3-Certified, Notarized written request XXXX and XXXX sent to XXXX XXXX XXXX XXXX, KY XXXX and XXXX XXXX XXXX XXXX XXXX , SD XXXX received XX/XX/XXXX, and XX/XX/XXXX respectively. 12 CFR Part 1026.11 ( a ) ( 2 ) and ( 3 ) violation does not list any exceptions and specifically states : " 1026.11 Treatment of credit balances ; account termination. Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : Credit the amount of the credit balance to the consumer 's account ; Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; " I have complied with " within seven business days from receipt of a written request from the consumer '' and now am afraid of retaliation for asking for my due rights per this statute. Macy 's credit card customer service number has not really been any help with continued follow up requests : greater than 1 hour hold times ; no explanation is given except to write and ask for one ;  credit balance amount has multiple times been provided by customer service implying that this was an amount owed not a credit balance ; efforts to charge down the credit balances have been verbally granted multiple times but the card does not work even for small fast food meal purchase attempts. No calls have been received from Macy 's credit card except as a follow up on declined charges for identity verification and verification of attempted charge with the card still not working after the call. Additional payments to clear up supposed pending transactions have resulted in a larger credit balance and the pending transactions have dropped off because they were in fact not pending transactions but declined transaction.

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 12/22/2015 about Credit reporting () with Credit Karma, Inc. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I did not give XXXX XXXX to run a credit report to get service. I 've tried to get this off my hard inquirers Did not give permission. Please remove. Show me proof or remove from credit report please

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 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have contacted Equifax numerous times and the final time was X/XX/2017, about not being able to access my credit file. I was told that information was incorrect in my file and that i would need to send a copy of my Social Security card and Drivers licence. I have complained and called many times regarding not being able to access my information. The Customer service agent began to read out information that was totally incorrect in my file. I believe that the information contained in my credit profile is wrong and unauthorized. I asked to have unauthorized inquires and unknown addresses removed in a letter that was previously sent to Equifax. I never received a response regarding that letter.
This poor handling of my personal information has made it very hard for me to obtain credit and move forward with a positive quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted transunion and customer service would not help and take care of the negative inquiries reporting to your credit report. They are as follows ... XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX  XXXX Inquiry from XXXXXX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, and XXXX XXXX Inquiry from XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have been contacting Equifax for months and they have not sent me ONE LETTER back! My Equifax credit file just disappeared. I read online where they like to do this to consumers that dispute things with them. I am just another victim of their vengeance. They are robbing me of letting me see my consumer information and robbing me of investigating the illegitimate things on my report with them. The attached documents i never received any response letters from them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (FL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I do n't understand why PNC charges so much for late fees. I can see them charging just one late fee but a later at {$36.00} everyday plus a {$21.00} late fee plus {$7.00}. I just do n't think that right, because I was one time, every month I have had no money because of the late fees, of course they do n't care about this domino effect. I have tried calling them and complaining numerous times. They have not complied, They only tell you to get a pen and paper ledger. No how about you listen to your customers and stop charging them high amounts, I did not receive a phone call or any information. They do not reach out and contact you to even monitor your account, so paying anything extra is a waste. I wish someone would call me and actually grant some kind of justice against all these fees charged and set the mark on the right path with a loyal customer. Do what 's right PNC!

Company response to consumer: Closed with explanation