milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
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: Called XXXX XXXX on XXXX/XXXX/XXXX concerning return of an over payment of XXXX, customer service representative took down my routing and account number from my checking account and mentioned that I would have the money credited back to my checking account within XXXX business days. As of today XXXX/XXXX/XXXX the money has not been returned to my checking account. 

XXXX/XXXX/XXXX I spoke to a second rep from XXXX XXXX XXXX XXXX XXXX who informed that an investigation would be started and that this process could take another XXXX to XXXX business days to investigate. This form of business is unfair to the customer especially if the situation was turned around and I had owed the money.

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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: RE : Confirmation # XXXX I 'm complaining because Equifax have failed to comply with, furthermore wilfully ignored, my requests to provide me the documents that their company have on file that was used to verify the accounts that I wrote them to dispute. On XXXX XXXX, 2017, I sent them my dispute letter requesting that they verify all data for the disputed accounts and I 've yet to receive anything of the sort. <P/>Because its been well over 30 days and they are unable to verify the accounts, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely, the accounts I wrote to them to investigate and verify since XXXX XXXX, 2017. <P/>I beseech you to resolve this matter with urgency as my character is being defamed by their wilful non-compliance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (MS).
Issue: Trouble during payment process

Complaint: My mortgage was owned by PHH mortgage and was sold to XXXX in XXXX XXXX. The balances on the mortgage statements provided by PHH and XXXX do not match. I have made several attempts to have this corrected with XXXX however they are telling me they are not responsible for the accuracy of the balance provided by PHH when they purchased the loan. XXXX XXXX 's history and PHH 's history are not the same, XXXX XXXX is showing " restricted corp adv adj '' with amounts paid but balances are not reduced. My balance with PHH does not appear to have been credit correctly or timely from XXXX, large chunks of payments are removed and applied as " escrow or subsidy deposits '' These issues are present on both the PHH loan history and the XXXX history, however the issue that most concerns me is the fact that XXXX XXXX is saying I owe fees and charges that were not listed on the PHH loan history or statements from PHH. In XXXX, I received payment assistance from the XXXX XXXX XXXX ( XXXX XXXX ) and in XXXX, I did a modification with PHH. I am not sure the funds received during the XXXX were applied correctly and the modification amounts do not appear to be consistent.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Bank account or service (Checking account) with AMERICAN EXPRESS COMPANY (OR).
Issue: Using a debit or ATM card

Complaint: Went to XXXX Bank ATM to with draw money. Said call financial institution. Tried XXXX other times with different amounts. Stated the same " call financial institution. 

Called American Express they said the ATM show money was disbursed. I never received money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/31/2015 about Debt collection (I do not know) with FX Quick Cash, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A debt collection company XXXX XXXX using several different phone numbers continues calling my house for a debt that is not mine. The phone number they are using currently using is XXXX but they have called using several different numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Debt collection (Credit card) with National Check Bureau, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was sued by XXXX XXXX. I do not know when. I talked to National Check Bureau about this, they collected the debt. XXXX says we opened a account in XX/XX/XXXX. We were in a repayment bankruptcy. We do not use credit cards. They said they tried to notify us but they were always behind on the address, although I was employed and the address was available. The case number is XXXX. Social is XXXX. They got a judgement for {$2400.00}. We did not know until they garnished his paycheck in XX/XX/XXXX. I do not believe I owed them anything and if I did, why would they wait ten years to collect. Just so the interest was XXXX XXXX dollars higher.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed, with all XXXX reporting agencies, items I feel are not being reported legally or are erroneously reported.I attached all of the dispute letters. They, agencies, have not delivered or supplied any or all of the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA. I demand these inaccurate and or incomplete items to be removed from my files immediately. 
Thank You. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: When I first found a new collection on my account from XXXX XXXX for a XXXX bill that I never had I immediately started disputing it. But every time I did they would just send me a copy of a bill that had my name on it. No signature or social security number provided. When I tried to tell them that this is not my account they just continually replied that the debt was valid. Which it is not. I have been trying to talk to them for over a year now about it ; And they refuse to cooperate with me or show me anything besides a bill that had my name on it. This is tremendously impacting my credit ; And this need to be addressed 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 03/31/2015 about Credit card () with JPMORGAN CHASE & CO. (DC).
Issue: Credit card protection / Debt protection

Complaint: I had a FirstUSA credit card for a very long time. Somehow in XXXX or XXXX XXXX, Chase took over and issued my credit card statement without giving me a notice. I have never received a chase credit card and the customer service claimed that after Chase and FirstUSA merged, they tried to send me a card but was returned. Chase charged me interest about $ 50- {$60.00} a month from XXXX XXXX until today. In XXXX XXXX, I sent out {$1000.00} payment so my balance reduced to {$3300.00} in XXXX. After this XXXX statement, I did NOT receive any account statements. Instead, Chase sent me a letter saying that I authorized them to deduct $ 100 monthly out of my XXXX Bank account from XXXX XXXX. I do NOT recall that I have ever given such authorization and Chase bank refused to provide any form or proof. Moreover, after the allegedly end month of the authorization in XXXX, Chase continuously cease $ XXXX {$60.00} a month without giving me any statement or notification. I found out about this in XXXX XXXX and I stop XXXX Bank from making any further payment. Chase bank customer service team start calling me on Saturday morning and keep sending me mails about the returned payment, but still did NOT provide any statements or authorization form that I requested long ago. 

Chase failed to notify me that they were taking over FirstUSA 's credit card business. 
Chase claimed that they could not mail me the card because they do not have my address, but they can send me all the debt collection related mail to the same address without any problems. 
Chase failed to prove that I have authorized payment between XXXX XXXX. 
Chase failed to provide account statement and failed to notify me the remaining amount of my debt, which cost me additional interest over these year.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I recently applied for a mortagage and the company declined my app because of my credit score. The notice from the comapny stated that my score was XXXX but Experians own website stated my score was XXXX which reads as fair on experians scale.

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 08/23/2016 about Student loan (Non-federal student loan) with KEYCORP (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I previously filed a complaint that was being disputed but has had no resolution so I am filing this complaint. I have a loan with Key Bank and they have been the absolute worst company to ever work with. I have other student loans elsewhere and have had XXXX XXXX XXXX and I am currently a customer of XXXX and Key Bank far outpaces any other company as the worst company I have to deal with. I have tried to lower my payments for a long time at this point because I can not afford the ridiculous payment which is over {$450.00} right now. I can only afford about $ XXXX- {$150.00} a month and I desperately want to make my payments but XXXX has now made me work with a third company who has a restricted number because they are so shady. They already use one company to take care of the loan, Key owns the loan, and now they have hired another company with the sole responsibility to call me 5 times a day to harass me. This company 's predatory practices are beyond ridiculous at this point. I want to pay my loan and eventually I will have a higher paying job ( or my wife will have a higher paying job ) but we do n't have the ability to afford payments right now. I, like so many other students, feel like I was taken advantage of whenever I went to school and was not told that I would be harassed constantly and would have to pay more than half of one of my paychecks a month to student loan companies. My income will not allow me to pay the loans but Key Bank does not care about people which has been proven every time I call them. Please, someone help me actually be able to pay my loan and prevent this company from attempting to take over and ruin my life. Thank you for any help you can be.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have written Experian numerous times asking for this to be addressed to no avail. 
XXXX XXXX # XXXX is not a collection/chargeoff. The car was repossessed and I paid to get it back. 
I need this information corrected to show the XXXX balance and date paid/closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: My complaint is against Capital One credit card services. Back in XX/XX/2017, I decided to apply for another credit card. Not realizing that my credit report was destroyed by Capital One. I assume before I head plaque for credit, that my credit was good. Knowing I have never been late with any of my payments to Capital One. That I also had no other credit card. I felt that I've been with Capital One for years and paid all my bills on time as promised. So never once, did I imagine that my credit report was no good. 

After some time has passed, I decided to apply for my annual free credit report. Just to see what was going on and what was causing my credit report not to be any good. I looked on the XXXX, XXXX, and XXXX. 

When reviewing my credit report, the only thing standing in my way, was Capital One reporting delinquency. However, the report is ready complicated and had a lot of conflicts in there. First, it says paid on time as a agree for the past 3 years without a problem. However, in is comments in there, Capital One stated I was delinquent with my payments. On one part, it says I'm delinquent. On the next part says, I pay on time. Very conflicting. How can Capital One say one thing, and on another part of the report says something else? 

Keep in mind I paid my credit card bill on time and have never been late in years. I only have one Capital One credit card. Which is called Capital One Journey.That I had all these years. I also do not receive a statement in the mail and have not received a statement in the mail for years as well. So if there was any problem I would not be aware of anything. Knowing I do not receive any statement. Then again how can there be a problem, if I pay on time and never went past the due date. 

However, I always went by the due date that Capital One said will always be my due date. For the as long as I own this credit card. I've been paying on time and have never missed one payment. That is good for a young person like me. 

If there was any problem with my account, I never once received any letter from Capital One. I never once received any calls from Capital One. I was never told my Capital One, that my payments are late or were never processed. 

So as far as I am concern, I was on time with my payments. I did everything right. So my credit report should reflect that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/16/2016 about Bank account or service ((CD) Certificate of deposit) with SYNCHRONY FINANCIAL (OR).
Issue: Deposits and withdrawals

Complaint: I have several CDs in Synchrony Bank that mature on various dates. I gave instructions to the bank to close my CD account that matured on XXXX/XXXX/16 and transfer the funds on maturity date to my bank account in XXXX XXXX XXXX. They are holding my money despite asking the to close my account 2 -3 times over phone as well as sending them e-mail thru their own website ( secured mail ). 
This is not the first time. They did it in XXXX & XXXX 2016. I will not be surprised if they do it again on XXXX/XXXX/16, when my another CD matures.

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 08-07-2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: On XX/XX/XXXX I accessed my online banking account to view a payment that was scheduled to be paid from my CA, to my car company ( XXXX XXXX ). My online banking did not show that a payment wasdue to come out, so I set one up -- never getting a notice that 2 payments were scheduled for the same company on the same day. On XX/XX/XXXX, I received an email notification that 2 payments had been  processed. I immediately called XXXX and was told to have a stop payment placed. I went to my local branch immediately and was told that a request for a stop payment was sent and would be stoppedon XX/XX/XXXX. This process did not occur in office until XX/XX/XXXX, as which time the payments were already in XXXX XXXX possession. A dispute was placed by my local branch to attempt to recoup those funds, however, I was told that since the stop payment had an order dated XX/XX/XXXX and the funds were processed  on XX/XX/XXXX that the stop payment failed and would not be processed. My acct is never negative, I 'm never overdrawn. I do however, have overdraft protection with my savings account -- which they drained for fees and to cover other payments that I have come out bi-weekly. My local branch was kind enough to refund what charges they could, but my account still remains negative. So, I 'm not out ~ XXXX because of 5/3rd 's negligence and poorly designed customer website. I 've been re-routed multiple times to many different divisions to no avail. I would like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward, Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I have a credit freeze on my credit with Equifax. Recently, I went to purchase a new vehicle and asked Equifax to do a temporary Freeze Life which should have cost me {$10.00}, but instead was charged {$40.00}. I 've recently spent the last day and half trying to get reimbursed for the {$30.00} overage to no avail. A simple solution would be to have my Credit Card company not honor the charges, but I know that Equifax will then place a {$30.00} charge off on my file. When I call their toll free number I 'm connected to an Offshore Representative who transfers me to the U.S who in return transfers me back to an Offshore Rep. It would really be nice for all Executive Officers to go through this process, oh well, does n't hurt to dream.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (KY).
Issue: Loan servicing, payments, escrow account

Complaint: My escrow check was applied to my mortgage balance in error. Wells Fargo raised my payment amount by almost {$200.00}. I received a notice in the mail and it post marked XX/XX/2017 stating that my payment would increase on XX/XX/XXXX. I called to try to resolve this over the phone and was told it could take up to 30 days. They refused to admit error even though they know my payment is pulled bi-weekly and the check I mailed in ref escrow was the only check I mailed in the last 3 years.

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 12/17/2015 about Credit card () with DISCOVER BANK (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am having work done on my house and checked my Discover Card account to see if the flooring company had charged me for anything after ordering my materials. I saw a couple of things on my account that did n't look right. When I looked further there were XXXX companies and a number of transactions that I had not been involved with. I called Discover Card and they put me through to their fraud department. The companies were XXXX, XXXX XXXX, XXXX 's XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX. Discover cancelled that card.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (IN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: American Express called my mom about my account being delinquent. She told than I do not live there and tried to give them my phone number. They would not take it. They then tried to bully her into making a payment. She told them no and since they would not take my phone number she said she would call me and relay the message. Then she got a letter in the mail saying they took money out of her checking account. Her checking account information has never been associated with my credit card. This is totally my credit card I got an additional card with her name it for her to use as a supplemental card in case I needed her to. She has never used her card. They used her information that I gave them and looked to see if she had a card of her own which she does. She has had her own card for over 20 years. They then got her checking account information and took the money without her consent. They stole her money. They said they put  the money back in my checking account and when I asked them why they would do that then they came back and said they ain’t a check out to my mom already and that she should get it by the XXXX of this month. She kept saying do t worry. Well it is too late for that. My mom has had to borrow mo eu so she could pay her bills. They said they wanted $XXXX paid on the XXXX  of XXXX I paid $ XXXX and they still took that much out of her account and then they stole another $XXXX. That is not not right!

Company response to consumer: Closed with monetary relief