milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/13/2015 about Bank account or service ((CD) Certificate of deposit) with ALLY FINANCIAL INC. (MI).
Issue: Deposits and withdrawals

Complaint: This is an urgent complaint against Ally Bank. I had an IRA ( traditional retirement account ) certificate of deposit ( CD ) with Ally Bank. It came due last month. Ally Bank has confirmed that it closed my IRA-CD on its maturity date last month per routine and correct prodedures. But Ally has not -- and will not -- return my IRA money to me. I have contacted Ally Bank customer service many times, spoken to many people. They can provide me with no evidence that a check was sent to me. They stall, give excuses, refer me to other people in customer service who do n't know how to resolve this. I AM REQUIRED BY IRS to rollover these funds into another traditional IRA asap. Otherwise, I will face tax consequences -- IRS will consider this a distribution instead of a rollover and make me pay income taxes. I have signed forms at Ally Bank saying that this is a ROLLOVER. No one at Ally Bank seems to understand the urgency of this situation. I have requested repeatedly to speak with the expedite dept, the loss prevention dept, the fraud department, the corporate office, etc. at Ally Bank. No one at Ally Bank customer service will allow me to speak with anyone with authority to resolve the problem and find where my retirement funds are. I am shocked that a bank will not return a customer 's money upon the maturity of a CD. I wonder if a bank employee has stolen my IRA money, as Ally Bank can not find the funds. Time is of the essence. PLEASE HELP!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: XX/XX/XXXX vehicle was repossessed for XX/XX/XXXX payment even thought we discussed that payment being made XX/XX/XXXX. I have not had this trade line reported accurately since XX/XX/XXXX. It shows up as paid/closed. I contacted XXXX XXXX and the bureaus and they did nothing saying the company has undergone a systems update since XX/XX/XXXX and it would be accurate XX/XX/XXXX. NOT ACCEPTABLE. I recently incurred my 1st late payment when I tried to trade in the vehicle. I learned it was sold to me as a lemon. I was provided fraudulent car facts, and at the time of purchase the car was worth about 3000 well I paid XXXX already only the care and the company is asking that the loan be bought to XXXX for a mod meaning I was charge {$26000.00} for a {$3000.00} car. I made the XX/XX/XXXX payment with the understanding that I would get the MOD but when I did the company started throwing numbers my way asking for more payment. I am just done. I mean One you haven't reported that I paid you ... I could have had my mortgage last year had they accurately reported now that I'm over this predatory loan and need it modified you repo the car saying you will report the repo in XX/XX/XXXX/What happened to the current payments for all of XX/XX/XXXX and all of XX/XX/XXXX. This is simply unfair. What needs to happen for the consumer to be fairly treated?

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I FINALIZED A MORTAGE MODIFICATION BY MAKING THE THREE TRIAL PAYMENTS ON XX/XX/XXXX, MY NEW PAYMENT STARTED XX/XX/XXXX, I HAVE BE MAKING THE PAYMENTS TIMELY FOR THE NEW REDUCED AMOUNT, THE COMPANY REFUSES TO SEND ME THE FINAL MODIFICATION PAPERS AND IS NOW SENDING ME LETTER OF PARTIAL PAYMENT AND LATE FEE FOR THE PRIOR AMOUNT BEFORE MODIFICATION. THE COMPANY IS FAY SERVICING XXXX NMLS ID # XXXX XXXX TX XXXX. THE ACCOUNT IS UNDER XXXX AND XXXX ACCT # XXXX XXXX NY XXXX MY CONTACT NUMBER AT WORK M-F XXXX OR CELL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I called   XXXX   XXXX   XXXX   XXXX  and spoke to  XXXX . I called in response to the written letter that this company sent to me. They said that the debt I had disputed was valid. I looked up my receipt from  XXXX . Not only is the amount owed incorrect. On the bill they sent me there was unreturned equipment which my  XXXX  receipt show was returned. I used to work for  XXXX  and I know as a matter of fact that  XXXX  is well known for charging for service after the disconnect date as shown on the bill that was sent to me. I disconnected service on    XXXX   XXXX  , 2017 and returned  all of my equipment as well on that day. Also my receipt shows my current bill amount that was not the same as Convergent says I owe. I have tried during my call to get them to talk to me about the bill which they themselves said was not mine as my social security number did not match and told me to call  XXXX . When I called  XXXX , they told me to call Convergent. I want to make sure that this bill does not ever show up again on my credit report. I have attached all the documents to show the 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 explanation
Consumer complaint received 08/24/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX I deposited a check at Chase Bank for my Chase account using the ATM machine. The check deposited was a check from a company owned by me but from another bank ( other than Chase Bank ). The following day I attempted to use my ATM debit card from Chase and was told the charge was declined. I immediately logged into my online banking and saw the deposit made the prior day was showing as a " pending '' deposit. On XX/XX/XXXX( XX/XX/XXXX) I personally went to the Chase branch to discuss the issue and was told the Chase Bank review process identified the deposited check ( from my own company ) was placed on a hold until XX/XX/XXXX ( 11 days from the date of deposit ) because it appears the check may not clear. I explained it was from my company and there was more funds in the account than the amount of the {$2500.00} check deposited. The branch manager at Chase said he would call another department at Chase and try to get resolution and he would call me. About 45 minutes later the manager called and said there was nothing he could do the hold was placed by Chase in the review department. Today, I received a printout from the bank where the check was written and the check cleared that bank on XX/XX/XXXX. I went back to the branch and presented the written documentation. The branch manger also called the other bank to verify the check number, amount and the date the check cleared ( XX/XX/XXXX ). The manager then attempted to release the hold but the Chase Bank system would not allow so he said he would again call the department at Chase and call me back later in the day. He called back and now said Chase informed him that it appeared the check I deposited may be a duplicate check number and they would not release the hold. I called Chase Bank and after speaking with two representatives was told the same story and they would not release the funds until XX/XX/XXXX. Hence, my complaint against JPMorgan Chase Bank. The end result is that the funds cleared my business account on XX/XX/XXXX, XX/XX/XXXX and I have no access to my funds ( {$2500.00} ) until 8 more days ... ... so that will result in me being unable to make payments or pay bills from my Chase account and possible automatic withdrawals being denied. It is completely unjust for a bank to withhold funds for 8 days after the check cleared the other bank and it was verified by representatives of Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Prepaid card (Gift or merchant card) with PAYPAL HOLDINGS INC. (OH).
Issue: Unauthorized transactions/trans. issues

Complaint: I fully used an eBay gift card of about {$500.00} to make a number of purchases on eBay at the start of XXXX. As the balance was completely used I discarded the original gift card with the gift card number and I did n't keep a record of the gift card number. The seller of XXXX items did n't ship the item and then processed a refund back to PayPal for {$17.00}. PayPal then immediately debited the refund from my PayPal account and credited it to " eBay Gift Card Services ''. After three hours on the phone with several different PayPal and eBay agents neither of the businesses are able to help me understand how I can get the original gift card number back again to use the refund. In the guise of setting up XXXX way calls between me, eBay and PayPal I was transferred from PayPal to eBay and vise versa 3 times with the initiating agents then dropping off the line so that I needed to verify my identity and start over again and again explaining the issue to both PayPal and to eBay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2017 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (CA).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: I disputed charges on 6 cards around XX/XX/XXXX by phone and followed up in writing. See attached copy of letter for details. I have yet to receive credit for the fraudulent charges. Your records will show that these fraudulent charges were reported within 90 days of occurrence by phone and by mail. Please explain to me why I havent received credit for the other fraudulent charges. I can be reached at XXXX, XXXX or mail address above. Last contact was letter sent by regular mail on XX/XX/XXXX. As of XX/XX/XXXX no response received from 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 monetary relief
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: For whatever reason, this account has been nothing but a nightmare. My account was somehow " delinquent '' and showing as so on my credit report but in fact was due to XXXX XXXX system and error. I brought this to their attention multiple times, they agreed and accepted this fault and removed the info. I just got a notification that I have a new delinquent account because they for whatever reason put these old " negative '' remarks on my credit report which caused a major issue with my score.

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 03/21/2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax is not allowing me to see my credit file and my credit score because they put my credit file in the consumer affairs department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I filed a dispute against the merchant XXXX for merchandise that I returned with tracking proof for the amount of {$2900.00} that was returned in XXXX. Capital One initially agreed it was proof and would assist me in the dispute. Capital One later lost the documents even though United States Postal Service supplied proof the documents delivered to the address Capital One specified. Capital One agents told me they do n't have the documents and wo n't acknowledge proof they received it. They then said they will look at documents I send but will not help me at all. Another Capital One agent said they will give me the benefit of the doubt and reopened the case. 2 Days later an individual by the name " XXXX '' closed the case and refused to help me. Capital One has received all the documents they requested but wo n't assist me anymore because I did not reply in time. However, I have replied in time by mail in XXXX. I also have a letter stating I am able to reply by XXXX/XXXX/2017 which Capital One wo n't address. Capital One is required to protect me under Visas International protection laws. I have now been scammed out of both the merchandise and the funds I used to purchase the merchandise. Capital One is engaging in fraud by delaying me several months reviewing my documents then closing the case after months saying too much time has passed. They will not elaborate on what this means considering I replied in time and are assisting the merchant in fraud even though they have a responsibility to protect consumers from unjust and immoral billing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Debt collection (Medical) with I.C. System, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I filed bankruptcy and it was discharged in XXXX 2015. IC System Inc is still showing as an open collection account on my credit report with no balance or account number on it. Remarks are Bankruptcy chapter XXXX, bankruptcy discharged.

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 04/14/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problems caused by my funds being low

Complaint: Chase charged XXXX overdraft fees for XXXX check for {$1200.00} that overdrew the account. The acount has reverse positive pay and the item should have been pending for review before payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I reviewed my credit report and saw a collection item from AFNI Inc. which I was never aware of and never received any kind of correspondence. I disputed the item through the XXXX credit reporting agencies and this company responded to them in record time that these items are valid which is untrue. I then sent a letter via certified mail in XXXX and got absolutely no response. Yet instill this collection item is still currently on my credit report and causing me to be denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: In the past month alone, I have received almost XXXX offers for a new credit card that is " preapproved '' by capital one. Concurrently, I have been absent of anticipated and expected mail from other parties, in addition to numerous other signs and symptoms of financial abuse. ( Mail fraud being most severe, as it is considered a federal offense ). It seems apparent that CapitalOne, no less than excises unlawful practices in interstate debt collection. I have been consistantly seeking employment since XXXX, and I believe CapitalOne may be merely XXXX party involved in detaining my ability to gain lawful, gainful employment.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I opened up a Citigold checking account with a promotion of XXXX XXXX XXXX miles. The code for the promotion was given to me by a Citi chat representative and I confirmed with Citi that the code was properly applied to my account. They replied and ensured me that as long as I meet some spending requirements, I would receive the miles within a certain period of time. After completing the spending requirements, I contacted Citi to confirm that all the requirements for the promotion were completed and at this point, the representative informed me that it was a targeted offer that I was not supposed to receive.

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 12/15/2015 about Credit card () with WELLS FARGO & COMPANY (OK).
Issue: Billing disputes

Complaint: Double-billed for XXXX transaction by Dillards, XX/XX/2006 & XX/XX/2015. 
Transaction # XXXX. 
Payment deducted from credit card ( {$100.00} ) on XX/XX/XXXX Payment pending ( {$100.00} ) for XX/XX/XXXX. 
Informed by Dillards that pending transaction would be nullified on XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Debt collection (I do not know) with United Revenue Corporation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I SENT A LETTER TO THIS COMPANY ASKING THEM NOT TO CONTACT ME. IT WAS A LEGAL LETTER BELIEVE IT IS CALLED A CEASE AND DESIST LETTER. TO THIS DAY THE COMPANY STILL HARASSES ME ABOUT THE ACCOUNT. I CANT HAVE THIS MAN. I WORK OFF SHORE ALOT AND I DONT EVEN KNOW IF THIS IS MINE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan modification,collection,foreclosure

Complaint: We applied for a modification and were told by phone we were removed from review due to " affordability. '' But no additional information was provided verbally or in writing. This occurred XXXX 2015 Wells Fargo Home Mortgage Services. We then went to a housing counselor who submitted a second request for review in early XXXX. We then received a letter stating no changes were indicated sufficient to warrant a review and that no review would occur. Our counselor called the servicer and was told we should have received at XXXX page document detailing the reasons for decline. We did not, but requested it be resent. At that time, XXXX XXXX, 2015 we were told to contact the " Re-entry '' department and be screened for possible reopening or our request. During that conversation we were told that the payment was less than 31 % of our gross monthly income, but that our fixed social security income does not match that shown by the bank. They tried to explain that the income is grossed up because we have no tax liability. This is unfair and since we never see any additional money as a result of this, losing our home over imaginary money should not be possible. We were denied a modification, not given a reason, and when pressed the reasons were not accurate. Our monthly income is XXXX, our house payment is XXXX and this does exceed the 31 % ratio the program is based on. We should be reviewed again and the actual income received utilized to make this determination. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Our Private Mortgage Insurance Disclosure form signed at closing ( in 2014 ) states that we can request to have our PMI cancelled once the principal balance of our loan reaches 80 % of the original value of the property. We have paid the loan down to 80 % and met all the other conditions listed on our disclosure form ( except getting a new appraisal, but plan to ). However, Freedom Mortgage sent us a letter stating the following, " A Loan-To- Original-Value ratio of 80 % or less ( original value is considered the lesser of purchase price or original appraisal ) and a current property value at least equal to the original property value. A new appraisal demonstrates a Loan-To-Current-Value ratio of 75 % or less for loans aged between two and five years. '' When I called to speak with someone about this letter and how my PMI disclosure does not mention any criteria on age of loan or 75 % LTV ratio, but instead says that I can make the request to have it removed at 80 % as long as the home value has not decreased or automatic termination of PMI at 78 %, they informed me that the rule is 75 % since we have only been in our loan for 2.5 years. I have called Freedom Mortgage several times to get clarification/resolution on this letter and every representative just reads the letter and repeats it to me. I have also asked for a manager/supervisor to review my closing documents and call me back so that I can get PMI removed but have yet to hear back from anyone.

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 03/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Transunion seemingly did little to no investigation from what I can tell. It does not help that they add a character limit for explaining your complaint regarding an investigation. 

My account with XXXX Bank went from good standing to bad after this " investigation '' which is bad for the lawsuit that XXXX XXXX forced on me as what I perceived as intimidation due to the potential financial costs. 

I do n't see any inquiries by Transunion about the card being NEVER used, about XXXX Bank listing me as never having made a payment even though XXXX Bank lists a balance and upon calling Transunion the person I spoke with in XXXX was not able to help much other than offer a 37 day investigation for something I tried to correct him on.

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 07/28/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX sent this debt to Jefferson Capital Systems for collection. My father has the same name as me and I believe this may have been my father and mother 's issue. I have received multiple " settlement '' offer type letters and notifications. I explained to the collection agency that is is not my debt. I even offer to make a payment of {$150.00} to get rid of the debt and hopefully remove from my credit report. This has been going on for over two years now. I want this charge either removed or resolved and the item removed from my credit report from all known credit reporting agencies.

Company response to consumer: Closed with non-monetary relief