milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/13/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (DC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On my Chex Systems Reports ( even up to now ) there shows a balance due to XXXX XXXX for {$800.00} ; this balance due has been discussed with XXXX and resolved as arising out of fraudulence and XXXX XXXX HAS XXXX OUT THE BALANCE DUE = THERE IS NOW NOTHING DUE TO XXXX, I CAN OPEN A BANK ACCOUNT AND AM IN GOOD STANDING. 

I have written Chex Systems regarding this to update and remove me from their list, because XXXX has XXXX out the old balance and I no longer owe anything ; I have provided lettres written to me by XXXX and everything - yet Chex Systems claims that they have called XXXX and verified the debt as still open and not resolved, they have also claimed that the letters I have forwarded them are not valid/legit/altered, and refuse to clear my name and remove this from my report. 

I am now attaching yet ANOTHER letter that I have received faxed over DIRECTLY from XXXX - in which one can CLEARLY read and see that everything has been XXXX out resolved. 

Chex Systems DOES NOT have the right to claim that the writing is not clear, CAN NOT claim that this is not a valid lettre, and XXXX has commented several times to me before that they can find no record of Chex Systems EVER having contacted them to validate my case ( and that if they had of done so, the entrance in Chex Systems would have been corrected/removed ). 

Chex Systems, like any reporting agency, must follow the rules of the FCRA regarding anything that is reported and then rectified due to Fraud/ID-Theft. Per the FCRA regulations I demand that Chex Systems stop playing games and, per the FCRA regulations, YOU - CHEX SYSTEMS - IMMEDIATELY OBEY the law and remove this XXXX entry from my report per the letter attached and per discourse with XXXX VALIDATING/VERIFYING that the unpaid balance has been resolved to XXXX and satisfied. 

YOU, CHEX SYSTEMS, ARE OBLIGED AND MUST obey the law - I do not know who you think you are, but if you do n't update my file appropriately and with the proper expedience ( within 4 business days, per the FCRA regarding cases of Identity Theft/Fraud ) I 'll pursue you in court with my lawyer in XXXX as well as a local attorney there in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have come to the conclusion that the credit bureaus are violating my rights under section 1681 and that they have received the following : NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. I had previously sent my XXXX and XXXX rounds to the bureaus with no resolution, and round XXXX on XXXX/XXXX/15 and round XXXX on XX/XX/XXXX. I receive the same response each time saying " verified '', and yet section 609 ( c ) states that I am allowed disclosure of the documentation used to " verify '' the accounts. They refuse to provide the documents as well as their method of verification ; the results they send state that I can request such and then they deny this. The accounts I am disputing do NOT belong to me. In addition, there are multiple addresses on my file that do not belong to me ; therefore, I am positive they belong to someone who has used my information in one way or another. I have attempted to contact each creditor and have not resolved with them either. I am going to have to resort to suing the credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Credit line increase/decrease

Complaint: I had a Capital One credit card since 2010, and I never got any credit line increase. At the same time my credit line with other XXXX companies increased from {$800.00} to {$6000.00}. I requested credit line increase few times and they rejected it every time with really stupid explanation. Last time they said it is because I was making too small payments. My monthly minimum payment is {$25.00} and I was paying {$60.00}. I never missed any payment, and my credit score is really good. I feel discriminated because no matter what I do they do not want to increase my credit line. Last year my account was paid off and they still did not do it, so it is not because I have a balance on it right now.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Debt collection (Credit card) with Cohen McNeile & Pappas, PC (KS).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I am writing on behalf of my sister. She is a permanently XXXX veteran and has n't owed a credit card since XXXX, and the highest limit on her card at the time was {$500.00}. She received a letter from XXXX XXXX on XXXX XXXX. I recognized the number on the letterhead from our phone logs, all we knew until this letter was that it was an autodialer that would play classical music for 15 seconds or more on our voicemail 2 to 3 times a day. The letter claims that she has a XXXX XXXX balance of over {$5000.00} ( no information from which bank they are representing nor dates pertaining to when this card was opened/closed/etc., that they are willing to settle for an undisclosed amount via check, cash or money order by XXXX/XXXX/XXXX or else the full amount is going to be withdrawn from her bank account. 

First problem is her funds are exempt, her only income is social security and VA compensation. Second problem is that as far as we know we have not gotten a subpoena to go to court, so if there is a default judgment against her account, we were not given an opportunity to come to court to protest the debt, if this debt even exists. Third, 10 days to respond, pay up or else does n't sound like a legal statement for any law office to mail out to anyone. My sister does not have a lot of money and not physically or mentally able to deal with this. Any withdrawals by this firm without giving us any time to validate or dispute the debt, would be devastating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit card () with SUNTRUST BANKS, INC. (VA).
Issue: Billing disputes

Complaint: Suntrust Cardmember Services refuses to allow me to dispute future, recurring charges to my credit card.

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 02/19/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Late fee

Complaint: citi bank is charging me {$1.00} interest on an account that is paid in full each month. my payment is due on the XXXX of each month and they are saying i made my XX/XX/XXXX payment late as they they received it on Monday XXXX XXXX. my due date was on a sunday. it is my understanding that state and federal law say when i payment is due on a sunday they can not charge a late fee or interest until after the next business day. Citi bank says state and federal law does not apply to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-11-2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: ACE Cash Express has repeatedly made threatening and harassing phone calls to me, my family and my former employer claiming that they are suing meet in court if I do n't pay back an alleged debt of " XXXX within 24 hrs of this notice. '' I will be attaching XXXX such email that was sent to me on XXXX XXXX which claims they will be suing in court for " {$6300.00} plus legal fees '' if I do n't comply within XXXX hrs. While I have borrowed from ACE a few times in the distant past ( the last date I remember being in 2012 ), they have always electronically removed my principal and fees from my bank via ACH on the due date automatically. To my knowledge, I do n't owe them any current or past due debt. In the past when I have borrowed from them I have only ever borrowed a maximum of {$300.00}, which is the maximum amount a payday loan company can lend legally in XXXX so it would be legally prohibited for them to lend me an amount that would make my debt the alleged {$540.00} even if I had wanted them to. Furthermore, my understanding of XXXX law is that even in cases of an agreement made " in bad faith, '' the maximum amount that can be sued for in civil court is " treble damages '', which would clearly be substantially less than the " {$6300.00} plus legal fees '' that they are threatening me with. In the past week or so, I have received concerned phone calls from my mother in XXXX, My father XXXX and my supervisor from my former employer XXXX because they each received phone messages from what they were led to believe was a government agency or lawyer threatening legal action and criminal charges against me regarding this alleged debt. In each case the phone message received included a " docket number '', and my parents and former supervisor were genuinely concerned that I was in some sort of serious legal trouble. A " docket number '' and " case number '' are also included in the threatening email from them that I am submitting to you. The email also claims that they are forwarding a copy of their claim to my employer " to make sure they take swift actions '' against me and threatening that " your salary and all your wages ( will be ) confiscated. '' These are clearly illegal collection practices that violate my consumer rights. This is not the first time I have had such threatening emails or phone calls made to me, members of my family, or even my employer, but it is the most recent.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've disputed this information with both Equifax and notified them each time that i am a victim of identity theft and they have refused to block or remove these accounts after I provided all required documentation. I am at the point where I will take them to court if neccessary as well as the creditors for failure to remove this information. I do NOT CARE that these accounts are positive and that they are not hurting my credit file - they do NOT belong to me, I did NOT open them, I did NOT apply for them. In addition, I had requested the actual proof, physical firsthand knowledge that verifies that these belong to me and I did not receive anything. Pursuant to section 609, the credit bureaus MUST have the physical documentation in their files PRIOR to even reporting the accounts which means that they # 1 already have the " proof '' and # 2 section 609 makes available to me all documents in my file for me to review. Section 605B states that these accounts must be blocked and investigated and I can see that none of this has occurred. I also do not see the required notice of dispute on my credit file which means that they are also in violation of section 623. These are the accounts that must be blocked and do NOT belong to me : These are the accounts resulting from identity theft and need to be blocked and then removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are resulting from fraud : XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Vehicle loan or lease (Loan) with World Omni Financial Corp. (FL).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint: I applied for a car loan when my credit score was excellent. They had a 0 % offer advertised. I was not offered this loan but a higher amount. 

Why did I not get the special offer?

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: Due to an audit, my state tax authority submitted an " order to withhold '' to my bank. Not the most fun thing to happen, but perfectly reasonable. Part of the order was a {$100.00} fee. The shocker came when I contacted the state tax authority and discovered that the fee had nothing to do with them - they do n't attach fees to " orders to withhold ; '' imagine that - the fee was being charged by the bank. My state tax authority agreed to reduce the amount of the order - really, they were more than courteous and reasonable - but could do nothing about the fee. Ultimately the fee turned out to be more than the order. The bank released the remainder of the order back to me, but kept the fee. 

I 'd really like an explanation of why a {$100.00} fee ( that in my case was more than the legal order from the state tax authority ) is reasonable and appropriate. What costs does the bank incur that are covered by that fee? Do they have some employee somewhere that gets paid {$100.00} for the XXXX minutes it takes to review the order manually and push some buttons? Is there a human being involved at all? 

Like many other types of fees, this XXXX is far more injurious to someone with a low bank balance than someone with a high XXXX. Someone with a balance over XXXX figures would barely notice a {$100.00} fee. On the other hand, someone with a balance over XXXX figures would barely have noticed the amount of the legal order issued by my state. I have never had a balance like that, so a fee of {$100.00} literally means that I have to scramble to make sure not to overdraw the account. ( Which would result in a different set of fees. ) These fees are practically calculated to suck the life out of people that have very little money on which to survive. 

I understand that the bank is providing a service, and that they exist to make a profit through their services. I do n't begrudge them fees in general, but ca n't they charge fees based on the average balance? In any case, a fee of {$100.00} seems excessively high. 

The other, less annoying, problem : according to the state, the bank should hold the affected funds for 10-15 days. My bank DEBITED the funds in less than XXXX. Really? They needed that tiny amount of cash right away?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-06-2017 about Debt collection (Mortgage) with Ditech Financial LLC (CT).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: An attorney is trying to collect money deposited with the clerk of the court as compensation for the taking by the town of a small portion of the collateral property under eminent domain. The mortgage was discharged in bankruptcy in 2011 and therefore the bank or its representatives such as this attorney may not legally collect these funds to pay down the debt. The mortgage holder had been previously contacted regarding this issue and advised me that they did not have a department to discuss legal issues with and that they were unable ascertain any course of action in the matter. Now that there is money to be had, they want to step in with their attorney and grab it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The Law Offices of Gerald E Moore & Associates, PC (CO).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: I just received a call from Gerald E Moore and Associates on a supposed debt ( which i thought was taken care of about 6 months ago ). I spoke to a man named XXXX, this was for an Apartment that i lived in and moved out of about 2 years ago. I lived in the apartment for a little over 5 years, and had a roof leak issue the entire time i resided there. I explained to XXXX i had faxed in my dispute documents about 6 months ago ( it may have been another agency ) and assumed it was taken care of as i have n't heard anything. I explained in detail what happened and he told me my dispute was n't valid and they were " moving the account forward '' I asked him what moving forward meant and he said he was not an attorney and does n't know. So then stated that i wanted to send in my dispute to him and he said it didnt matter that my dispute was not valid, and they were moving forward with the account. I was stunned I explained that I had already done this and he said he had no record of it. I told him it would take me until this evening to get my emails and pictures compiled and sent. He then again tells me it would n't matter as my dispute was not valid. I did some research and have found this and the fact that they are supposed to look at my dispute. If i am disputing they have to give me a chance. They are not i am just being told over and over by him that I DO NOT have any option but to pay or have my account " move forward '' -even though he could n't tell me what that meant when specifically asking. This was very sad an frustrating here i am thinking I am going to be sued over something I do not in fact owe. Yet he is telling me I have no recourse. I need help. They gave me a file number which i can provide if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NH).
Issue: Other transaction issues

Complaint: I used Paypal to pay for an online order placed with XXXX on XX/XX/XXXX. I returned XXXX items from that order to the store on XX/XX/XXXX for a total credit of {$210.00}. I also returned other items to the store from other orders on XX/XX/XXXX and saw the credits post to my Paypal account on XX/XX/XXXX. However, the {$210.00} credit still has not posted to my account. XXXX confirmed the return was processed on XX/XX/XXXX. I contacted Paypal via phone on XX/XX/XXXX and they opened a dispute. However, after I submitted the evidence showing the receipt from the store showing the return of {$210.00}, XXXX emails from XXXX indicating the items were returned, and 2 other emails from XXXX stating the credit was processed on XX/XX/XXXX, Paypal closed the claim on XX/XX/XXXX ( which their representative opened on their end with incorrect information ) and did not credit my account or provide any explanation. Thus, I am still owed {$210.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/19/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: On XX/XX/XXXX I ordered 120 checks from Bank of America delivered to my address. The tracking information indicated that the checks were delivered to my address on XX/XX/XXXX. The checks never came. On XX/XX/XXXX, I contacted Bank of America to void the checks. The representative declined, stating that they could only issue a 12-month stop payment on the checks, after which they could be used by anyone who had access to them. I would then be able to issue another 12-month stop  payment ( assuming that I remembered in a year that I had these checks floating in the ether through no fault of my own ) for a {$30.00} fee ( again for a problem that occurred through no fault of my own ). I said that I wanted the checks voided. They declined. I asked for the situation to be escalated to someone higher up. The representative declined, and instead offered that I could also close the account and reopen a new one -- which would mean that I 'd have to reprogram any automatic payments associated with the account and routing numbers. This is preposterous, because it is common sense that banks should have a way to void checks they failed to deliver to paying customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (NV).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: I purchased my leased XXXX XXXX XXXX on XXXX/XXXX/XXXX at XXXX XXXX XXXX through Toyota Financial services. The lease ended XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX Toyota Financial Services withdrew {$200.00} out of my checking account when they had no contract what so ever to do so. The lease ended the day before. I called them to get my monies back and they insisted I caused the problem by not turning off auto payments through them. Why would I need to turn off the payments when I had paid off the loan.They would not reverse the non authorized charge and stated I would have to wait for a check in the mail. This is flat out stealing!!! Please stop them. I asked to talk to a supervisor and was jacked around by some punk named XXXX that lied about being a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Other debt) with The CMI Group, Inc. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Furnishing of un-verified and un-authorized accounts to credit bureaus and/or consumer reporting agen cies.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Checked my credit report. I see some of my old accounts that were discharged but so accounts are not showing.

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