milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2016 about Bank account or service (Savings account) with MB FINANCIAL, INC. (CA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, I received a letter from MB Financial Bank that was dated XXXX XXXX. This is relevant because it was time-sensitive. I was given 30 days from That date to respond. The letter was regarding Unclaimed Funds / Property that was due me. They asked for verification of my address and last four digits of my SS #. On Monday XXXX XXXX, I called and spoke with Customer Service, as well as a woman IN the XXXX department where the letter originated. I was assured that upon receipt of verification of my information and copy of State ID, that I would indeed be sent the check. I sent all info in the envelope They provided with their address including Dept. name XXXX. I know it was received. I called this morning to inquire. They would not speak to me, but Through Customer service, Denied they had even heard of me. The information I sent also included my phone #, e-mail address, and foolishly, a copy of my SS card .Customer service said they would " call me ''. I was ON the phone! why would they not only deny knowing anything about the letter, but not have the courtesy to speak to me. Tomorrow will be 30 days from the date of MB 's letter. I do n't want them claiming I did not respond in time. And shared this concern with the customer service woman., who assured me she would make sure that would not happen. She seemed as baffled as I am. In my conversation with the woman in XXXX on XXXX XXXX, they even told me where, locally, I could pick up the money. It had been sent, along with other deposits to a local Check Cashing store. Before I sent the information, I brought the letter to the store. They said the check was returned quite some time ago, and the bank should send it to me. In MB 's letter, was also included the ck. #. THEY contacted me, so why now are they denying all of this.?

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was talked into taking out XXXX loans to attend XXXX ( a XXXX XXXX  campus ), I was able to repay and now my credit is damaged. ( Between XXXX ) A few years ago I received a letter that my principal balance was reduced by XXXX, my new balance was XXXX. Was told to continue to make payments at the time I was not able too. Then called XXXX to try and make payment arrangements and with XXXX XXXX who claimed they were not aware? I am willing to repay my loan. Over the years they continue to send me letters requesting re-payment now with years of interest added on. I would like help like help with loan forgiveness. They were not honest about the process and for the loan and they did not allow refunds owed to students that could have covered the loan cost. Thank XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Credit card () with JPMORGAN CHASE & CO. (AZ).
Issue: APR or interest rate

Complaint: Last month I paid off the entire previous balance ( {$1500.00} ) and new balance ( {$11.00} ) of my Chase credit card ( a total amount of {$1500.00} ), 11 days before the statement closing date, bringing my balance to XXXX. However, this month I received a bill for interest on the previous balance that was paid off in its entirety ( Balance : XXXX, interest charged to me and due by XXXX XXXX, 2016 is {$11.00} ). My understanding is that if you pay off the entire balance before the statement end date, then no interest should be charged on the purchases. This is how it works with my Chase Southwest Credit Card and XXXX Credit Card. I called Chase 's customer service line twice tonight. The first time the woman was not helpful and argued with me and did not have very good English. I then told her I wanted to cancel my credit card and she made up some excuse that there was a long 10 minute wait to get transferred to someone else who could cancel my credit card. I then hung up with her and called back to try to get someone else and she also did not have good English and told me that all of their systems were down and to call back in 1 hour!! What is going on!!? This seems like fraud to me and I would like this investigated. I do not feel that I should have to pay interest on a balance that I paid down to XXXX 11 DAYS BEFORE THE BILLING CYCLE END DATE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/17/2017 about Debt collection (I do not know) with American Collection Systems, Inc. (OH) (DC).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: The latest date was XX/XX/XXXX ; however call several times daily and weekly looking for daughter. 

Have shared there is no additional information we have to offer and that we do not have contact information. 

Made repeated requests for caller to stop calling. 

Callers also identified that daughter was " running a business out of home connected to number ''. This information is false, inaccurate, and did not request to know nature of call - however this was provided.

Company response to consumer: Untimely response
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: Equifax has allowed an unauthorized inquiry to be placed on my credit report and I 've disputed it twice, with no assistance. On XX/XX/XXXX and XX/XX/XXXX, I disputed an unauthorized inquiry from a company called XXXX XXXX XXXX. It 's a company I have no knowledge of. My disputes were received in letter form.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Credit card () with JPMORGAN CHASE & CO. (WV).
Issue: Other

Complaint: Overcharged by credit card issuer- Chase Bank , credits improperly posted as a debit rather than credits. Spent over 8 hours on the phone. The bank owes me money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PRESTIGE FINANCIAL SERVICES INC (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Received credit reporting alerts and XXXX is displaying a 30 days late, deliquent, Missed payments account on my Prestige Financial Services vehicle loan account # XXXX. Issues was resolved with loan lender and lender stated no negative reportings. Federal Government complaints was filed against Prestige. I am XXXX XXXX and Retired.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (NC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: HSBC BANK Acct # XXXX Status : CHARGE-OFFThis account was reported in XXXX 2008 as being the victim of identity theft ( Police Report # XXXX ) and all information was sent to them via certified letter and via Fax. It has been nearly 8 years since this occurred, and I am still riddled with issues in their reporting and that they 've " charged off '' the account. I have contacted them on several occasions requesting they provide proof of ownership ( signed documents ) and that all charges were legitimate. In each instance, they have never responded. I have disputed these entries on my credit files and they are continually updated with inaccurateinformation. 
In the past 60 days, I have once again sent correspondence to both XXXX and the creditor requesting validation of acct ownership. Each time, they do not provide anything other than an electronic verification that what information they have is correct. When I dispute the accounts to show that fraudulent charges were made on the account, I 'm told that the creditor will not respond and that I need to speak with them. 
I have done all I can do to get this resolved. The only thing that the creditor and XXXX are doing when I dispute these items is to verify my name, SSN and account status - NOT FRAUD CHARGES. 
By law, they have not responded with evidence and appropriately within 30 days to the legitimacy of the charges and have not provided any response or evidence they are investigating the nature of the charges associated with my former acct. In doing so, they 're in violation of the FCRA laws and must remove all entries of this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Debt collection (I do not know) with Sherloq Group, Inc (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received a call from an " Unknown '' caller, which they said was being recorded, regarding a debt that they will not verify until I provide my birth date and last XXXX digits of my social security. I said I would not provide sensitive information prior to understanding where the debt came from, as I have not received any prior notice to owing anyone anything. I asked to speak to a manager and was sent to a voice mail that did not list anyone 's name or number.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My identity was stolen between XX/XX/XXXX-XX/XX/XXXX. As a result, multiple accounts were opened and used without my knowledge. Navy Federal CR UN was one of the accounts listed in my identity theft report. There was fraudulent charges on my personal checking account, my business checking account, an auto loan was taken out, and my credit card was compromised. I reached out to Navy Federal several times about my business account in which Navy Federal charged my business account over {$750.00} in fees due to the account being hit with multiple ACH attempts. The car loan and credit card are still present on my credit reports to date. I was told by Navy Federal to file a police report and send it to them to get these accounts removed from my credit reports. They have yet to respond and it has been over 3 weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I went through the student loan rehabilitation program. After my 9 months of payment and my loan being sold, the agreement was that the derogatory marks regarding the student loan would be removed ... in fact the contract explained that the original credit line would be removed entirely. I submitted online dispute with Experian ( X/XX/17 ) and the results came back of which did not include deletion of the credit line. Please review the last line of the document submitted.

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 12/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MD).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I paid off my Citibank AAdvantage Mastercard in full on XX/XX/XXXX. I checked and rechecked the balance to make sure that I would pay off the card free and clear. Two days ( on XX/XX/XXXX ) after I had paid off the card, Citibank charged me {$35.00} dollars in interest on the XXXX balance. I was unaware of this additional fee. I thought I had paid off the card so I stopped paying on the card. Over the next 2 months Citibank added two additional late fees so that I now owe {$100.00} all in fees on the account. I called them and tried to explain that I had no idea about the extra interest charge. They claimed that it was up to me to check the balance on my account. But I had tried in good faith to pay off the card and was n't aware of the fee. They said I should have read the fine print on my credit card agreement. Who does that?!! I agreed to pay for {$71.00} of the fees, but do n't even think I should be liable for that.

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 04/15/2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is ignoring my requests to investigate, verify and remove some accounts from my credit report that do not belong to me.

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 11-11-2016 about Credit reporting () with ONLINE Information Services, Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX continues to place a collection account on my credit report. I have disputed this several times and they have previously removed, only to insert it back on my report again. The account is something regarding " online information services '' to which i have never had an account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2017 about Debt collection (Payday loan debt) with NAM National Arbitration and Mediation (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: filed for Bankruptcy in XXXX. Still getting call from collection agency attempting to collect on XXXX XXXX loan. Have a XXXX form sent from XXXX XXXX for cancellation of this debt. Received a call from XXXX Service.wanting me to pay this. spoke with XXXX XXXX XXXX, phone XXXX they called XXXX. Then on XXXX received a call from XXXX XXXX with XXXX XXXX saying I was being sued for check fraud by XXXX XXXX. Explained to this person that this has been canceled in bankruptcy, also faxed the dept cancellation form from XXXX XXXX. What can I do to stop these call. Every XXXX XXXX months I get these calls. XXXX phone XXXX. Your help is appreciated.

Company response to consumer: Untimely response
Consumer complaint received 02/28/2018 about Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Trouble during payment process

Complaint: At the end if XXXX I received my mortgage escrow analyse. It appears that there was a shortage of {$800.00} on my escrow account. My payment was going to go up {$150.00} this year which I could not really afford. I called my mortgage company on XX/XX/XXXX of this year to ask about the shortage. They told me they mistakenly had left off my home owners insurance payment and that caused the shortage. They told me I could repay it back with in 24 months. I told them do that and that I would also like the bank to pay part of that shortage because it was their mistake. Throughout XXXX they never changed the repayment to 24 even after several phone calls and they refuse to reimburse for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Payday loan () with BlueChip Financial (CA).
Issue: Charged fees or interest I didn't expect

Complaint: These people are not licensed to conduct usury interest rate business in the state of Ca. XXXX charge a Interest rate of over 800 % XXXX These people have taken advantage of my age XXXX, thinking that I would pay, this usury interest rate of 800 % or more, from my social security check. I can not pay that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello, My name is XXXX XXXX XXXX. I am XXXX years old. I am a senior citizen. I am an XXXX veteran of the United States of America. I object to being treated like this. 
My Identity was stolen to open credit cards, get cars, set up utility services and cell phone services and other things that I have not been aware of. 
This needs to stopped. 
I am demanding that all of these fraudulent account be removed from my name and reports with your agency immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-09-2017 about Credit card or prepaid card (Store credit card) with LENDING CLUB CORP (UT).
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: this is as far as what happened XXXX XXXX XXXX at XXXX Utah, I am totally disappointed as this institution has the way to convince take advantage of the money of the parents, my daughter XXXX who attended to this XXXX XXXX from XXXX XXXX to XXXX XXXX I have not seen any change progress in their totally deficient in math and reading, my daughter grades with a totally low grade. The only thing that my daughter was taught was divisions that is it. 
They do not have trained teachers or a better teaching method for the student. 
Now they according to their record that my daughter took 73 hrs those 73 hrs is nothing based on what? they fix the hrs on their computer on their convinience, my daughter did not learn anything, I flatly refuse to pay XXXX dollars as the manager told me that I would have to pay that is not fair, I am a single mother I do not have financial resources to pay. 
I feel that they are stilling my money in combination with this XXXX XXXX XXXX phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (Auto debt) with ALLY FINANCIAL INC. (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX, I bought a used car through Ally Bank that I later totaled in XX/XX/XXXX. When I purchased the car, I also purchased the GAP insurance, which is supposed to pay off any remaining balance not covered by insurance. It did not pay off the balance. Two years later, Ally sent me to collections. XXXX XXXX XXXX XXXX sent a letter offering a settlement amount, which I accepted. I started my payments XX/XX/XXXX, to pay the settlement amount of {$1500.00}. In my agreement with XXXX XXXX XXXX XXXX, I agreed to pay weekly payments of {$25.00}, till paid in full. I mail the payments out every Friday, my payday, and I write the account number on every check. Two weeks ago, I received my envelope with my check Return To Sender, Undeliverable. I figured I had written the address too sloppy or something. I then put that envelope stamped Return To Sender, that {$25.00} check, and the current weeks {$25.00} check into another envelope to send back to them. I did not want them to think I was breaking our settlement agreement. This past week on XX/XX/XXXX, I received a letter with one of my checks ( number XXXX ), saying that they were unable to verify a valid account. They were requesting additional information, such as my name, account number, address, etc. Before check XXXX was returned, check numbers XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have cleared. Check XXXX has been returned to me. Check numbers XXXX and XXXX have cleared since they first received check XXXX. As of today, XX/XX/XXXX, check numbers XXXX, XXXX, XXXX, XXXX have not cleared and are still in their possession. Is this debt finally paid in full? And if they don not have a valid account, where did the checks go that were cashed, and where are the checks that have not cleared?

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 02/19/2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I 'm trying to get my credit report from Equifax. I got some weird questions that I have done nothing with said company to open a mortgage, bank card, etc. and it said I failed the security check for these stupid annoying questions.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Consumer Loan (Installment loan) with Admin Recovery, LLC (FL).
Issue: Problems when you are unable to pay

Complaint: Collection agent left a voicemail at my place of business on an extension that I use. The voicemail message indicated the attempt to collect a debt on behalf XXXX. The voicemail greeting does not state my name or make any reference to me individually, and the voice mail messages are accessible to the entire office.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I applied at XXXX XXXX XXXX XXXX and was denied opening an account. I was not given a reason instead I was sent a letter from XXXX XXXX XXXX in regard to account that I had with USAA which was closed by USAA without notice to me. The account status according to early warning is closed and no balances are or were owed upon the closing to the account. Since then my name and social have been submitted and I am unable to open a new account with XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was recently denied credit because DCI is reporting several accounts that are either a result of identity theft or mistaken identity. Explained that I had a XXXX wireless account years ago and it was paid in full spoke to several reps who said they could n't not help me that I had to dispute it with original creditor. They gave me the contact number and the original accounts numbers. Spoke to several reps, XXXX could n't locate the accounts and the other XXXX said that the accounts go back to XXXX not XXXX and that I had to dispute it with the collection agency. I wasted an hour trying to correct a serious mistake on my credit report and got nowhere and dealt with rude and careless individuals who was n't trying to assist me in getting this corrected. I 've suffered damages because of these accounts and I have disputed them with the credit bureaus as well but they continue to verify the debt when in fact they are not mine and neither party could validate such. They continue to shuffle me back and forth and neither company has resolved the matter.

Company response to consumer: Closed with explanation