milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: Chase mislead my expectations when I applied for their  Chase Slate card to p erform a balance transfer. During the application process they asked for the amount that I would like to transfer, and upon completing the application, I learned they gave me a lower limit than the transfer amount I requested. Obviously, credit card limits are based on a clients ' credit worthiness. So, why would you ask me for the amount I would like to transfer, if that does n't have any bearing on the limit I will get on the card? Now, I 'm expected to ask for a credit line increase which will count as a second hard inquiry, and again, it was n't increased to the amount I asked to transfer. In essence, do n't ask your potential clients how much they plan to transfer to yo ur Chase Slate card  because the card limit is not based on the transfer request, but on their credit history, like any other credit card! I expected to receive a balance transfer of {$6400.00} and was subsequently approved fo r a Chase Slate card with  a limit of {$2000.00}. I spoke to their representative, and they said I would have to ask for a credit limit increase and I was approved for a poultry {$400.00} ( new limit {$2400.00} ). In what way does this " balance transfer card '' ( misrepresentation of this product ) help me eliminate the entire debt balance I was hoping to transfer? Simply speaking, if you had n't asked for the transfer amount I would have like, this situation would be less frustrating because I now ha ve 2 inquiries a nd a reduce d credit score for a pro duct that mislead my expectations. Alas, thank you, for misleading me into completing the application for this credit card disguised as a balance transfer card.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WI).
Issue: Customer service / Customer relations

Complaint: I signed up for a credit card via XXXX XXXX. Once it came in the mail I was not happy with the terms so I did NOT activate it. I latter received a bill for {$75.00} dollars to cover an annual fee. When I called to complain they told me the card would be cancelled and I would not have to pay this 'fee '. This month I got another bill for for the same {$75.00} + interest. When I called to complain they told me it was a bank error and I would not be responsible for the account. Remember, they said that last month. Unfortunately the liars put a mark on my credit score. Are they kidding?! I did n't activate the card! They told me the first time I called this account was closed ant that I would not be charged. I am disgusted that my account is labeled delinquent. Then they told me this issue with my credit could take 60 days. I told them this is unacceptable. I cancelled this card that was never activated. Will this company be investigated? I do not believe this is fair business practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Deposits and withdrawals

Complaint: Citizens put a hold on money I deposited for more than their normal two days, they never notified me of the extended hold. They have released other checks I have deposited made out to my husbands business with the normal two day hold if they were going to have an extended hold they should have notified me or returned the deposit. They let me take cash out on the deposit and transfer money in to my savings account they put the extended hold on the account to collect ADDITIONAL FEES

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My name was incorrect on the bill and the credit account name was typed by a representative holding my license. Everything I tried to pay my bill they could n't find my account by name social security or phone. I tried XXXX 4 times to lay the bill. Finally it went to a collection agency and they called my phone and helped me take care of it. Bill went delinquent just because they would n't double check spelling with my license in their hand.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (AR).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: In spring 2014, I applied, and was approved, for the credit card offered by XXXX XXXX. I made a purchase and used the website to pay. I made another purchase not long after. I went online and submitted payment, just as I had before. 

However, a few days later, I went online to check my bank statement and the payment to XXXX XXXX had disappeared : it hadn't processed through. I called my bank. They recommended I reach out to XXXX XXXX. 

XXXX XXXX told me that my bank, with whom I had had an active account in good standing for over 9 years, had told them that the account information I had provided them with was incorrect. What the customer service representative said was that they had, in layman 's terms, been told my account didn't exist. 

For over a month, we went back and forth. I offered to pay with my debit card, but as it was associated with the checking account I had tried to use before, they said I couldn't do that. My mother offered to pay for me, as did my fiance. They refused. 

I now owe them upwards of {$500.00}. The original tab was approximately {$40.00}. I told them, the moment it became clear they were never going to let me pay, I told them to close the account. I never used the card after the second purchase. I can't fathom the interest rate that takes {$40.00} up to {$500.00} in 6 months, especially after I told them to close my account. 

I took some time away from the situation, as I was moving. Throughout the months between the time I told XXXX to close the account and today, I and my fiance ( who has power of attorney ) have made dozens of calls to the bank and made no headway. They absolutely refuse to take less than {$150.00}, which is over a fifth of my monthly income and more than triple the initial purchase. 

I don't believe I owe them this because they refused all of my attempts to pay my bill and also refused to close an account that wasn't in use, thereby driving the interest sky-high. 

My credit is XXXX, and some of it is student loan debt, which I am repaying, but a lot of it is this theft. I am XXXX and my income is limited to what the government has deemed my life should cost monthly. If my car needs repairs, or replacement ( yikes! ), if I need new shoes, if rent goes up, or something happens to my fiance 's job, I can't cover it unless I have the money in my hand. 

I want My credit score back.

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 12/29/2017 about Debt collection (Medical debt) with Bull City Financial Solutions, Inc (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am writing this complaint due to Bull City Financial not responding to my request for validation of this debt. I have written a letter asking for this information in XXXX XXXX with no response and I have also contacted them via telephone with no end result of receiving this information. They are still reporting this information on my credit reports and the 30 days to verify and validate the debt has passed. I would like for them to remove this information since they have not validated this debt in an accurate manner. Both debts are totaling {$280.00} from XXXX. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Credit reporting () with Experian Information Solutions Inc. (HI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is a Collection Account on my credit report that is over 7 years old ; XXXX XXXX XXXX for $ XXXX old XXXX bill. It appears the Collection Agency has illegally re-aged it. The date of last payment on this account was 16 years ago. I have attempted to dispute this with Experian ( I sent them a dispute form ) and they sent me a letter stating they wanted my Social Security number ( which I already provided ), date of birth, mailing address, etc. This is very critical information that I do not want to send in the mail and am confused why they would request this information when my dispute form clearly provides enough information to verify my identity. I feel they are using tactics to dissuade me from clearing up my credit report. By the way-the other XXXX credit reporting agencies do have this account listed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX, Equifax and XXXX are reporting misinformation On my credit report. XXXX XXXX should show a XXXX  balance On my credit report. I open this credit card with a cash deposit Of {$300.00} which XXXX XXXX never returned. This credit card Was secured with the {$300.00} cash deposit. XXXX XXXX is Reporting to the three credit agencies that I owe them {$250.00} Again I  owe them nothing and they owe me {$300.00} my deposit Which they never returned to me. 
XXXX XXXX XXXX should also show a XXXX balance On my credit report. I did a voluntary surrender of XXXX XXXX XXXX which was financed for {$7000.00} by XXXX XXXX XXXX. The total cost of the XXXX XXXX XXXX was {$9000.00}, I paid {$2000.00} cash down payment at time Of purchase. XXXX XXXX XXXX sold a XXXX  XXXX XXXX at a public auction for {$2000.00} for a net lost of {$5000.00}. 
XXXX XXXX XXXX reported to all three credit Agencies that I owed a deficiency balance of {$5000.00} still Owed on the car. XXXX XXXX XXXX sold the Car for under the Fair Market Value of the car, therefore I owe them nothing. They sold the car for under the Value That the car was worth. 
I want XXXX XXXX XXXX and XXXX XXXX Taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: For most of my life i 've used cash and never really knew what credit was growing up. Over the last year, I noticed some fraudulent items on my credit that i did n't open. They are all over the XXXX XXXX XXXX area and the local police department does n't want to seem to help because its hard to find them. My credit suffered, not like I used it anyways but still I do n't have a good start. I went on line a couple times to dispute stuff and nothing happened. Since having my report ran and talked with the federal trade commission they advised to submit documents to credit bureaus and negative source who is reporting. and to keep responses and when it was sent.

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 04-06-2016 about Debt collection (I do not know) with Financial Credit Service, Inc. (LA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I am being contacted by a collection company. I was at home when the call came in today. I answered. They told me who they are and they are trying to collect a debt for over {$3000.00}. They say I took out a loan with XXXX something, I ca n't remember what the XXXX word was. I have never taken a loan out with this company. 

I asked if it could have been through someone else years ago and the contract was bought out. The original caller said I do n't know and transferred me to legal. I again told her that I had never taken a loan out with that company. What company did they buy the contract from. She started telling me they have something from XXXX XXXX?. I said that 's not what I 'm asking. I want to know who I owe. I 'm not just going to send you money. I asked her if they have anything with my signature on it. She started telling me I owe XXXX XXXX. Again, I asked her do you have anything with my signature on it? 

Her response, " Go to court! '' and then she hung up. I 'm not sure what I 'm supposed to be going to court for.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On XXXX/XXXX/2017, {$2000.00} was added to my account at JPMorgan Chase. I called to report this fraudulent transaction. The CSR refused to take any information about the transaction as " Their system was not working ''. When I asked to talk to a supervisor the CSR hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XXXX XXXX XXXX three withdrawals were made from my USAA checking account using an ATM card. Others were attempted, but refused as my daily limit had been reached. USAA reached out to me by text, automated phone call, and internal messaging inquiring about these withdrawals. In all cases I stated the withdrawals were fraud. I had not visited the state where the withdrawals occurred, and had my debit card in my possession. No one is authorized to use my card officially or otherwise, and I only use the card for foreign transactions. I have never provided anyone outside USAA my PIN. 

Since my declaration that these transactions were fraudulent, I have tried on numerous occasions using the USAA App or phone to officially dispute the charges, to trigger an investigation and ultimately funds restored to my account. The App could not process the disputed withdrawals. When I talked to banking personnel beginning XXXX XXXX, and approximately five subsequent phone calls, they said they could not dispute the transactions within the USAA system either. They then transfered me to the USAA Fraud section. I reached the Fraud section once ( XXXX or XXXX XXXX ), and they noted that no fraud case had been opened for my transactions. After XXXX minutes, my call dropped. The XXXX other times I called, I was referred to Fraud, but the call would drop before I was able to talk to them. At least two times my waits were for more than XXXX minutes. On XXXX XXXX, I asked that my issue be elevated. I was put in touch with an Executive Resolution Specialist. She said my transactions had never been noted as fraudulent, and no investigation had been opened. She said she marked the three withdrawals as fraudulent, and that by XXXX XXXX, my funds should be restored. I pressed, based on past experience, for some documentation or other assurance that USAA had actually acknowledged my dispute of these fraudulent transactions. She said she would call back after confirming with Fraud. After about an hour, I received a call that hung up before I could answer. I called back to the Executive Resolution section. The new specialist read me the notes, saying USAA COULD NOT RECORD MY DISPUTE. They had an IT issue, and it would take until XXXX or XXXX XXXX before they could record that I disputed these fraudulent charges. I said this was unacceptable. I requested to speak to the next level of supervision, preferably an officer of the bank. The Executive Resolution Specialist said no Managers were currently available, but one would call me back by the close of business XXXX XXXX No one called or left any trace of trying to contact me by phone, text, or internal messaging. 

Withdrawals were for {$50.00}, {$50.00} and {$500.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
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: THESE INQUIRIES WERE NOT MADE BY ME. I WAS ASKED TO PROVIDE PROOF. IT IS THE RESPONSIBILITY OF THE REPORTING COMPANY TO PROVIDE PROOF. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 06-12-2017 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (NY).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I transferred my lease in  XXXX    XXXX   from my name to another  3rd  party. We finalized the paperwork on  XXXX / XXXX /  XXXX   and mailed to   XXXX   XXXX   XXXX  , the guarantor on the lease. I received a letter from  XXXX  dated  XXXX / XXXX /  XXXX   stating that I was financially clear of the vehicle. I then gave the car to the other party.     I recently learned that they have been hitting my credit with derogatory marks for missing the  XXXX  payment, although I received the letter from the company saying I had no further financial obligation ( I have attached copies of the letter, lease transfer, and a copy  of 1 of the 2 credit reports that indicate 30 days past due for   XXXX   ).      I then tried to log in online to view my account, which I could not do, " no active account ''. When I called in, they could not see the vehicle had even ever been leased to me, nor could they see any delinquency on my account. When requesting a follow up and an inquiry through their call center on  XXXX / XXXX /  XXXX  , they had no idea what I was talking about. I was told that they would only respond or investigate my claims if I wrote a letter, which I wrote yesterday,  XXXX / XXXX /  XXXX  .     This comes after 8 months.  EIGHT  months of them being difficult to answer or transfer the lease ... requiring countless emails, letters and phone calls to complete the transaction. The amount of extra payments I had to pay just in their reluctance to complete the process was outrageous. The only way I got that process handled is I wrote an email to their  CEO Executive  Office and someone there pushed it through.     The amount of financial harm this company has caused me due to their own processes is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Debt collection (Auto) with Ditech Financial LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A loan for a motor home was taken out in my name at Green Tree Servicing LLC. Payments were made for a while but stopped leaving a {$2200.00} balance. Over the last year I have spoken to various company representatives about this problem repeatedly telling them this is not my debt, who took out the loan and how to contact that person. To date they have refused to pursue the proper party and they continue to threatening me if I do n't pay this balance. They have been reminded many time that they do n't have my signature on anything.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Express Aviation (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I attended career point college for 17 days. They ultimately shut down. I did not complete one class or receive any credits from this school. I am now harassed by student loans for a loan I did n't even use. It was for over XXXX and over XXXX when when interest will accrue. This is unheard of to me. How do I owe something that was given to a school that shut down and I did n't get a chance to use or benefit from

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-02-2015 about Debt collection (I do not know) with Windham Professionals, Inc. (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I receive daily calls from a recorded message saying that they are looking for a named person who I do not know and that my telephone number and the persons name is somehow associated to my information. The calls are threatening if I do not return the call which I never have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian has repeatedly sent me purported statements to " confirm '' my address change. I have submitted no address change since updating my address to XXXX XXXX XXXX XXXX # XXXX ... It appears that Experian changes my address at their own discretionary whim, with absolutely no verifiable reason and against credit reporting and accuracy standards. The frequent unauthorized changes of my address can possibly communicate fraud to my creditors, current and/or prospective. This is ridiculous. At one point they even changed my address to a Kentucky address. The letter was actually stated in a manner, " confirming my request to update my address. '' When I asked for said letter that I purportedly sent to change my address to said Kentucky address, they never answered. Experian has also " admitted '' that there was a security breach via 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 06/30/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loan is with Navient ( XXXX XXXX ). The disbursement date was XXXX/XXXX/XXXX and the original loan amount was {$8200.00}. Since the first payment on XXXX/XXXX/XXXX, {$11000.00} has been paid on this loan and {$9200.00} has gone towards interest. This company has reported negitively to the credit bureaus untrue information, harrassed me via phone and email, lied about not receiving payments even after they received proof. The account is 5 months past due and I have made every effort to rectify the situation but they are unwilling to work with me. Ideally, I would like to settle but for a way less amount. I called Navient on XXXX XXXX, XXXX to make an offer of {$1000.00} and they countered with {$9000.00}. This is not something I can afford. Please help

Company response to consumer: Closed with explanation