milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I feel i'm a victim of identity theft because someone attempted to apply for items in my name. I went to file a police report but they told me because nothing was stolen only an attempt that I would have to file a complaint with the Consumer Financial Protection Bureau in order to get a solid resolution and report to the bureaus. 

XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX AUTO - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX FIN - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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 06-10-2016 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Rewards

Complaint: I received a letter on XXXX XXXX that was dated from XXXX XXXX from Wells Fargo. It stated, " we reviewed and found an unusual volume of purchases and/or payments made using this card. '' And it continued to say, " if it continues beyond the receipt of this notice we will close your account and your rewards balance will be forfeited. '' I completely stopped using the card altogether. At this point, I had {$3500.00} in rewards that were earned during this billing cycle and I did not want to risk losing them so I did not use the card again. My credit card balance was more than {$24000.00} at this time with a total limit of {$25000.00}. I was basically maxed out and absolutely needed to make a payment so I did not risk adverse action from other creditors if I allowed the total balance of {$24000.00} to report on my credit reports. So I made a payment to get the balance down and this payment was the only activity on the card after receiving the letter. 

Wells Fargo closed my account anyway and I received a letter dated XXXX that stated, " per the warning notice we sent, we closed your account on XXXX. You can no longer make transactions with this account and your rewards balance has been forfeited '' Wells Fargo clawed back rewards that I earned legitimately after sending out a warning letter, to which I obeyed, and cited the warning letter as the reasoning behind the closure. 

I have read some of Wells Fargo 's responses to other complaints and Wells Fargo does not need to inform me that my CURRENT rewards balance is {$0.00}. I know that it is {$0.00} as of today. It was {$3500.00} before my account was closed and Wells Fargo forfeited them.

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 01-06-2016 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (UT).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: First I never received a notice of rights to dispute. The only letter I received said that I owed a debt and I could no longer write checks at all and had to pay this debt plus a fee. The address they had was incorrect and not where I live and I have not lived at the address in over 4 years. In order to be able to write checks, I sent in a post dated check to this company. I post dated the check to reflect XX/XX/XXXX. The company cashed this check XX/XX/XXXX. Due to this I received about {$200.00} in over draft fee 's because of them posting a post dated check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/23/2015 about Credit card () with AMERICAN EXPRESS COMPANY (MA).
Issue: Closing/Cancelling account

Complaint: Ensure that closed account # XXXX is reported as closed to all credit bureaus. I am no longer a holder of this card/card closed. Account is still marked open on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have had a Discover card for 25 years and have always paid my account in full and on time. In XXXX XXXX 2017 I became the court-appointed conservator for my father who is currently XXXX years old and has no income other than Social Security. Two years ago Discover sent him an offer for an unsecured personal loan for {$35000.00} which he took. He sent the money to XXXX XXXX because he was involved in a gold scam. On XX/XX/XXXX I received a notice from Discover ( see attached ) suspending my charging privileges because of an unpaid personal loan. I NEVER took out, signed for or received money from Discover Personal Loans. Discover, according to XXXX, has decreased my credit score from XXXX to XXXX ( see attached ). I feel Discover was negligent in offering an XXXX-year-old an unsecured loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2017 about Debt collection (I do not know) with Bronstein & Weiss Arbitration (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My family members keep getting harassing phone calls from a XXXX XXXX, stating he has filled a lawsuit against me and I need to contact him, before he submits my court order and all this is stated on a third party voice mail .. I call XXXX a get nothing but voice mails

Company response to consumer: Untimely response
Consumer complaint received 07-09-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Deposits and withdrawals

Complaint: I deposited a {$2000.00} check at my local Bank of America branch in XXXX, AZ on XXXX XXXX, 2015. At the time of the counter transaction, the teller assured me that the funds would be available next day XXXX XXXX XXXX ). On XXXX XXXX, the funds were available as promised. I proceeded to use some of the funds that were made available. At some point on XXXX XXXX or XXXX, the deposit was placed on " hold '' by BOA without any notification to me. My inquiry to the BOA " risk department '' resulted in me being told that the deposited check for XXXX had been returned by XXXX Bank. My research into that fact on XXXX XXXX indicated that the check had processed successfully from XXXX Bank to BOA, and that it had never been returned as indicated by the BOA risk department. Seeking an explanation for both the delayed " hold action '' and the deceitful misinformation, I re-visited my local branch in XXXX, AZ. The branch manager, after reciting the numerous regulations and bank policies which authorize BOA to do whatever they want, agreed to contact the " risk management '' department and get an explanation for me regarding the " returned check '' excuse offered earlier. Surprisingly, they admitted that the check had not been returned ( as conveyed to me earlier ), but rather that the " hold was placed due to other risk factors involving the deposited check and my account ''. As a consequence of the " delayed hold '', numerous debits bounced/were reversed and fees incurred. In the final analysis, the hold was confirmed by BOA for XXXX days, and no explanation or apology provided for ( a ) the initial unauthorized assurance of the funds availability, XXXX b ) the " hold '' without notice, or XXXX c XXXX the misinformation conveyed to me regarding the returned deposit that never happened. It seems that BOA employees are not expected to speak the truth when asked a direct simple question. Although the action by BOA has resulted in a modest financial loss to me of only about {$2500.00} XXXX fees, reversed transactions, associated penalties from creditors for reversed transactions XXXX, it certainly exposes the true character of a bank which I have been using for ten years in 4 states.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TransUnion has reported misinformation concerning possibly auto loan and mortgage loan.

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 08-11-2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (UT).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have over {$2000.00} a month I am currently supposed to pay in student loans. I am in the income based repayment plan for my federal loans, but my private loans have not been able to work with me XXXX XXXX and Wells Fargo XXXX. I have already files a complaint with XXXX seeing as I have tried everything and am now forced to pay them every month, leaving me unable to make other payments to survive. However, Wells Fargo does have a income based repayment plan, which I was very excited to be a part of. However, after I sent them everything they needed to see if I qualified they told me that " even if we reduce your payment to {$1.00} a month, you still would n't be able to afford it ''. Therefore, they did nothing and I am required to pay near {$700.00} a month to them. I have tried offering to pay $ XXXX/loan a month, but they will not take it and say it will still charge off. I am left helpless, hopeless and unable to function. I am begging for help. I desire to pay my loans, as I am the one who took them out, but I ca n't survive this way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I see this company called XXXX pulled a hard credit inquiry I only have an XXXX and XXXX credit card. It should n't be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: These XXXX individuals contacted me with deceptive collection practices claiming that I had an outstanding debt that they were taking me to court or filing in court. The first time I advised the individual to give me his contact information and to only correspond via court documents within the confines of the Code of Civil Procedure. Another contacted me about a year later stating the same thing. I have received no court documents and they violated the State of Texas XXXX by sending Electronic data as they sent these emails. Data that had nothing to do with me or my email account. They attempted to breach into my account and load it with emails from XXXX dating websites and I begin receiving emails from places that I never signed up to receive documents for.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted  XXXX   XXXX  wit h two lett ers, which first was mailed  XXXX   XXXX ,  2017  and second one on  XXXX   XXXX ,    2017 requesting Identity Theft Block in accordance with Section 605B of the FCRA and they clearly are refusing to block all the information I sent them by mail twice, with USPS Certified Mail with Return Receipt. They sent me a letter stating the declined due to eith er : a ) Been made in error, b ) is a misrepresentation of material fact relevant to the request to block. I have no idea what they mean in ( b ), but this definitely is not an error. I am a victim of identity theft and do n't understand what this is about. I want these block with accordance to Section  605B  of the FCRA.    XXXX   XXXX  is clearly violating my FCRA rights. I am uploading both letters I mailed them and the return receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Problems caused by my funds being low

Complaint: I have a checking account with Chase Bank. They have deceptive ways of showing my available balance. Sometimes all of my pending charges are subtracted from my available balance. But sometimes a pending transaction will appear on my list of transactions, but will NOT have been subtracted from my available balance. Such that, I believe that including all my pending transactions, I have enough money in my account to cover everything. But then my account can become overdrawn, because my available balance was actually lower than what the bank represented it as being. Then they are able to charge me an overdraft fee. I understand that I have a responsibility to keep my own ledger of my transactions, but frankly, that 's why I have a modern, online banking account, so that it can do it for me. If I simply take a cursory look at my account balance, and see that a charge is listed in my pending transactions, I assume that it is reflected in, and has been deducted from, my available balance. Especially if I have XXXX pending transactions, which is very common considering how often I use my debit card. Because in the columns where it displays the withdrawal/deposit/balance for each item, if a transaction is pending, it does n't show you the balance column. So unless I add up all XXXX transactions and compare that to the actual available balance, I would n't know that I did n't have enough money to cover my account. It 's just misleading. I have been charged {$10.00} overdraft fees twice now, which is n't an exorbitant amount, but it 's the principle of the thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-10-2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (PA).
Issue: Problems caused by my funds being low

Complaint: I made several purchases again from XXXX. ; XXXX posted as normal and for some reason XXXX posted late and caused a bank charge of {$38.00}. There is another bank charge for a car loan that I missed a deposit which is my fault but they charge another late fee {$77.00} total. I have no control over when items post. I understand that but there has to be exceptions. The money was there but the posted thing is hard to understand. I am on a fixed income and there is no more until XXXX. How about stopping this {$3800.00} until then so I can have some money to live with for next month? You have made plenty in fees this month. This is my last not to customer service : " Regarding account : XXXX - I understand that but there has to be exceptions. The money was there but the posted thing is hard to understand. I am on a fixed income and there is no more until XXXX. How about stopping this {$3800.00} until then so I can have some money to live with for next month? You have made plenty in fees this month. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: CItizens Bank NA was the defendant in a Class Action Lawsuit several years ago https : //www.citizensoverdraftsettlement.com/The short story on the case is : Citizens was processing checks presented before the deposits were credited, causing XXXX of overdraft fees. Then if that was n't enough Citizens " sold '' all the fake debt to a " XXXX Party '' collection agency ( XXXX XXXX XXXX XXXX ) who now appears on all XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Credit reporting () with HireRight Solutions, Inc. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am applying for companies that use Hire Right background checking services. I would like to retain a background check on myself through this service. They wo n't let you retain your own report unless a company has requested a report on you. But by then it is too late and I will have lost the job.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: After reviewing my credit report, I found that my account had a medical obligation from XXXX XXXX XXXX, XXXX for {$210.00}. I am very aware of any payments that are due and make timely payments, so I was shocked to see this account. 

I do not recall any contractual relationship I had with this organization and all of my medical bills are normally paid by my insurance. 

In my attempts to find out more from this organization, I found out that this company is not bonded in the state of Texas according to Section 392.101. It prohibits a third party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the office of the Secretary of State. XXXX XXXX XXXX state that they are associated with another company but no designation of this fact is shown in the State of Texas database. Also the company failed to provide information supporting their claim. 

According to the FDCPA, the organization is to validate the debt, but I have not received the documents necessary to prove that this organization is owed the alleged obligation. I 've tried to work this situation out with the third-party collector and no information was forwarded. I needed to see an Exclamation of Benefits ( EOB ) and also a signed document showing proof of services provided to me. XXXX XXXX XXXX, XXXX failed to provide the information but it in violation by ruining my credit by putting on my credit report an unsupported tradeline. I tried to get information from this organization via the Better Business Bureau and received no information to this date. 

I request that XXXX, Equifax and XXXX remove this tradeline from my credit report as the organization in question has not provided information to support their claims of indebtedness, collection, or ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (AZ).
Issue: Trouble during payment process

Complaint: I had mailed on XX/XX/XXXX, in the amount of {$240.00}, for the house payment, without their statement and their envelope, which I had not received. Enclosed in the envelope was a note and my check number XXXX. Today, I called their call center and a XXXX indicated that my check has not been received and had the audacity to say that all of my correspondence keeps being returned from the Post Office, which is a lie! They offer no remorse. <P/>Here we go again, another game play from these people. This has been happening since, XX/XX/XXXX. No matter how nice I am to these people, they are always playing games. These employees are playing with my money and a possible foreclosure, due to their irresponsibility and failure to take action. <P/>Their business practices are not professional, nor compassionate. Their actions are not, as such, unprofessional. I have never received an apology for any of their negative comments, nor action to offer to assist me on anything.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: The basis for my dispute is Capital One '' XXXX was required to notify me prior to XXXX, or no later than XXXX days after The basis for my dispute is " Capital One '' Capital Onewas required to notify me prior to XXXX, or no later than XXXX days after furnishing the negative information to credit bureau reports, in writing ... under such section 623,  subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation you complied with this requirement, which is a violation of the FCRA & FDCPA. 

Also, Capital One failed to give me my " Mini-Miranda '' XXXX days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC , and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve Capital One is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under TDCPA. XXXX v. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (I do not know) with Pressler & Pressler, LLP (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: Pressler and Pressler has sued for a debt I do not know about. They are now garnishing my pay. The court papers that were issued to my employer showed the wrong address listed. Please help me. I do not know what deb is owed and when the debt originated from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation