milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/19/2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: Recently I closed my checking account with U.S Bank. I have only kept my credit card open. Before closing my checking account, I had XXXX accounts open, a checking account, a savings account, a line of credit ( that I was able to use if I ever needed and whenever I had insufficient funds in my checking account ), and the credit card, which is still open. Last week, I received a letter from U.S bank saying that a transaction of {$87.00} had been debited from my closed checking account. I went to the nearest U.S Bank account and they refused to explain to me why this was happening. They just told me that if I did n't pay the amount that I would be sent to collection for this amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Other financial service (Check cashing) with First Data Corporation (TX).
Issue: Excessive fees

Complaint: My complaint is about TeleChek. I had occasion to visit my local urgent care clinic and since I had left my purse at a local restaurant I grabbed an old checkbook out of a drawer. When the bank notified me of my mistake I went back to the urgent care clinic and wrote them another check. I later learned that TeleChek was refusing to authorize my check and was told to contact them. When I told them what happened they demanded {$30.00} before they would authorize any more checks and also collected ( again ) the fee for the urgent care center, which I had already paid to the urgent care center. I tried to explain but was told either I pay or I can never cash another check again. When I asked for a supervisor I was told non available. I wrote telecheck and complained, asked what government agency was responsible for them and they told me the wrong agency. I finally found out the right agency, wrote to them, no answer. I feel like I have been blackmailed. I never contracted with Telechek. They are not my bank. I do n't understand what right they have to fine me for making a mistake except that they have the power to deny me ever being able to cash another check. Thanks for listening.

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 EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: These inquiries are not recognized and there are multiple of several or the time is up and they should be removed. At one time I had a fraud alert on my credit file in XXXX when some of these were done. XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/ XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX

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. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Today, XXXX XXXX, 2017 I became aware of the recent Equifax Security Breach. My identify appears to be affected by this breach based on checking www.equifaxsecurity2017.com though I did not sign up for their service. This is distressing and unacceptable as my information was divulged without my consent and opens me up to potential security risks such as identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX have a Account on my credit report Account Number XXXX Date Opened XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Commonwealth Financial Systems, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a phone call today from a lady in XXXX state stating they are a 3rd party legal and attorney service and wants me to give my phone number and address to them for a XXXX legal matter. I have not lived in XXXX since XX/XX/XXXX. I pulled my credit reports today and found this new collection account on my XXXX. Please remove this account from all XXXX reports.commonwealth financial systems acc XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXXCollection account. {$270.00} past due as of XXXXYour report number isXXXX Report date : 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 05-06-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: My son and his fiance wanted to buy a home together and needed a co signer. My wife co signed for them to buy this home. They moved in, my son then enlisted in the XXXX. After XXXX, he returned home to find out she had found someone new, and had moved out. My son could not keep up the mortgage payments and tried desperately to sell it. He found a buyer so he could satisfy the loan and the paper work got stopped. XXXX had put a lien on the home because of XXXX defaulted student loans. The lien will not be cancelled now until her XXXX XXXX student loan debt is all paid.Now the house sits empty, cant be sold but at the same time mine and my wifes credit is ruined. I am XXXX years old and on Social security XXXX and cant work. Why should our credit be ruined if we can not even sell the home because of a student loan from my sons fiance ( XXXX XXXX XXXX ), we are not related to this girl, we have no control over her student loans, but we are being penalized! I have tried getting this off of our credit reports but they wont budge. Like I said, cant even sell the home to satisfy this mortgage!! This has been through the courts I am to understand and forclosed on. I even tried talking to the bank, they will not talk to me.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX is reporting account incorrectly. The account info ... mortgage number and balance is inaccurate, and the status is showing 120 plus  days late. Someone else 's account. My mortgage was always current and is now paid in full

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 11-02-2017 about Debt collection (Other debt) with Recovery Solutions Group, LLC (CT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: on XXXX XXXX XXXX I received a call from a " XXXX '' at Recovery Solutions XXXX. He said I owed a debt to XXXX from 2 years ago. I told him I did not and I disputed it with them. 
He said " No problem, I will start the process to lien your home and property '' I asked if he were an attorney, he said " I handle all legal issues here ''. I said I wanted to talk to his supervisor, he said " I am who you talk to, no one else ''. I hung up he called back very nasty, I called XXXX, they apologized for him

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Credit card protection / Debt protection

Complaint: I have been a customer with Bank of America for over 16 years. I have a credit monitoring service that contacted me regarding possible Credit Card ( CC ) issues that will affect my credit rating. The card was issued by Bank of America ( BOA ) and according to them I was a co signer. According to them this was for my daughter and done XX/XX/XXXX. The report to my XXXX rating account was due to the card going overlimit ( Not for non payment ). I canceled the CC so further issues were not created, and requested they investigate the matter as I had no record of this. BOA sent me a Fraud application to my accurate address dated XX/XX/XXXX. Since I did not know anything about this card my daughter said this was her card and I told her I had canceled it and she could get another, and she needed to pay off the balance. I was never contacted again. XX/XX/XXXX I was offered a CC by BOA for a XXXX. I applied and was given a card with a 25 % interest fee. When I checked my credit report I found that BOA was reporting that I had not paid the questioned account we discussed XX/XX/XXXX. BOA had all the information to help correct the problem. BOA has not contacted me with a demand notice or any further request to clear the CC issue but they did kept sending to the credit report companies I was Not paying my bills. BOA now have a way of posting to my Credit account deficiencies I know nothing about but will still give me credit at high rates!! 
So a BANK of AMERICA can ruin a persons credit then offer them credit at much higher rates because of low credit scores that Bank of America inflicted on the consumer. I spent over 12 hours trying to get them to correct my credit report. I was advised that the CC was paid in full, I am not in cummunication with daughter but via third party told her to pay the bill - however BOA will not correct the damage to my credit rating. This is Bank fraud!!! - Nothing further was snet from BOA to me. I assumed that because the

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 08/16/2016 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This account was open as a result of identity theft. i have never had an account with XXXX or Pinnacle Credit Service. I have also sent XXXX Affidavits to both Pinnacle Credit Service and to all XXXX credit agencies who stated that Pinnacle stated that they verified that this debt belong to me. How did they verify debt with the credit agencies but have not verify the debt with me?

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Student loan (Non-federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My school is XXXX Unviersity, XXXX XXXX XXXX XXXX, XXXX, NY XXXX They contract their payments to Campus Partners, who just this month began charging XXXX per transaction, per loan to pay from my checking account. It is much more to pay by credit card. The only way to not pay those " convenience fees '' is to pay by check or automatic withdrawal. I ca n't do automatic withdrawal because I do n't always have that money available to pay and I need to have the ability to initiate the transaction. I ca n't pay by check because that is not how I handle my finances in 2016. I find it absurd that paying electronically for student loans is the " convenient '' and not absolutely standard option. I 'm incensed to have to pay and pay and pay, since I may have to pay in several transactions, incurring XXXX per transaction to pay my loan. ( +interest )

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I made a payment over the phone to Navient to my private loan account, which is the only one I 'm not in deferment for. They applied most of the payment to the deferred account and only {$9.00} to the account I 'm actively making payments on. When I was on the phone I was very clear on which account to apply the payment to.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For the past three years I have been going back and fourth with this collection company name Commonwealth Financial Inc. over a XXXX medical bills that they even said was n't mine but yet this is the third time after taking the bills off they put it back on and as of today once again they said that it 's not mine but it 's on my credit report again but the scary thing is they do n't have my social security number so when I asked how is it on my report I get no response.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: In the matter of : XXXX XXXX XXXX Chapter XXXX Bankruptcy Case No. XXXX Discharge Date : XXXX XXXX, 2014 After reviewing my credit report I have found information, which needs corrected. ERC is illegally reporting a collection on my credit report due to the account being discharged in my Chapter XXXX bankruptcy. Following the laws of the FCRA it is unlawful for the account to show a derogatory status on my report. I am also enclosing a copy of my discharge of debtor form following completion of my Chapter XXXX bankruptcy, discharged on XXXX XXXX, 2014. 

The account ERC is illegally attempting to collect on is as follows : XXXX XXXX XXXX. XXXX XXXX, IL XXXX Amount of dispute - {$240.00} Reference # XXXX Collection attempts on a discharged debt is a violation of the FCRA and a violation of the permanent injunction of my discharge. I am requesting that the item be deleted to correct the information. Thank you for your assistance with this matter. 
Here is the contact information for my bankruptcy lawyer XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Arizona XXXX XXXX : XXXX Fax : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX is reporting that I owe a debt of {$160.00} to XXXX XXXX XXXX. I do not owe XXXX a balance of {$160.00} and I have never owed a balance of {$160.00} to XXXX. I have reported this issue to the XXXX XXXX board and they contacted XXXX regarding the debt. A representative from XXXX sent myself and a state a letter in writing acknowledging the error. They have since submitted a notice to XXXX XXXX notifying them that I never owed a balance of {$160.00}. XXXX XXXX has received this notice and is continuing to report false information after being updated by the original creditor. The incorrect reporting of this debt is violating the FCRA and Georgia state laws. If XXXX XXXX does not remove this debt of {$160.00} I will be forced to pursue legal action against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with NETSPEND CORPORATION (WA).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: Recieved a XXXX XXXX card in the mail today in my name. The only phone numbers provided by the company - XXXX is an automated system that hangs up on you unless you provide a card number or SSN. I am not providing either to a company that is sending me finical accounts that I did not ask for. 

I have no way to contact them to see what this card is about, why, who, or when it was requested. 

I am not sure if they are planing to charge me the monthlyyearly fees associated with this card, as they are hiding behind an automated phone system. 

Associated names : XXXX XXXX XXXX XXXX Netspend XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Wells Fargo claims I owe an amount of {$7900.00} when in fact they sold the vehicle for much more and have already been paid for this vehicle. I would like to be provided validation or contract from this company. They have sold this debt to another company who are now getting paid as well. I would like this account moved permanently from my credit reports.

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 08-11-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted the XXXX about the debt ( {$75.00} ) in order to pay it off ( attempted 5 times and leaving voicemail ). They never called me back to verify debt or anything. So I take it as this debt is no longer liable by me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On XXXX XXXX, XXXX I noticed that my credit card limits had been decreased. My XXXX XXXX XXXX Chase Credit Card ending in XXXX went from a {$7000.00} limit down to {$3500.00} limit. Also, my Chase Slate credit card went from a {$3000.00} limit down to {$1500.00}. In years past the more money I spent on the credit cards the more Chase would increase my limits. More specifically I have a Chase Sapphire credit card which started off with a {$5000.00} limit and is now at a {$13000.00} limit which is Max to capacity. It seemed every six months Chase would increase the limit on the Sapphire card as long as I was spending and kept a balance on the card. Because I maxed the Chase Sapphire credit card out I was trying to be more budget conscious and responsible with the other cards. So, when I would use it I would pay it off. And now it seems because of this I am being punished and impacted negatively with the decreasing of my limits. I am also paying an extremely high minimum payment for the Sapphire card and interest rate. I contacted Chase on XXXX XXXX, XXXX to discuss why my credit limits had been decreased as I have not received a notice or even a phone call regarding the change. I was told the change was made due to many factors in my credit reporting history and a negative reports within the past 36 months On my account however, as I stated in years past the limits had always been increased as long as I was spending and keeping a balance on the cards. I strongly feel that this is not a fair practice as it will negatively impact my credit score which I am trying to repair and maintain. Moreover, when I reached out to Chase on numerous occasions regarding some form of assistance on getting the Sapphire card lowered I was basically told that I dont meet the requirements for any options for any of their programs but they did provide me with the consumer credit agency information.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Their representative keep contacting me at work and when I requested for a proof of debt they insisted they will send it but have n't. 

Additionally, when I told them I paid it off with XXXX they insisted I should go online and pay. They never provided me with a log in to their website or how I should access their website. This is n't a trust worthy collector and seems shady. 

XXXX keep saying they 've sent to a third party.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: For roughly 5 months I have noticed that there has been an incorrct credit report in regards to an auto loan I had taken with navy federal bank in XXXX. Whenever I made a payment it would not reflect on my credit score, therefore stating that i owe more than what i did. On my credit report it would also state that the last update was done sometime in XXXX XXXX. Approximately 2 weeks ago, I had called navy in regards to this issue and they made no efforts to resolve this issue. It has bought my credit score extremely low, and other creditors have lowered my credit card limit because of my credit score. My credit score currently says I owe XXXX. But my account balance with my bank says I owe XXXX which is the correct amount. I would really appreciate an investigation on this matter. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief