milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2016 about Debt collection (Payday loan) with Citi Management Group, LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: this Company call me an also my job about a payday loan in 2010 f i own a loan why they calling me know. leaving me messeage on my phone Im tird of these call an my boss is fed up too. they saying they can take my wage take me to court an ect. they call me with a number then they call with an unkown number they keep saying they going to process the paper work they few day later they call again about send money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (Credit card debt) with Continental Finance Company, LLC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid off a credit card bill several years ago owed to XXXX XXXX XXXX XXXX ( continental fiance ) now anther company has been harassing me and contacting me saying I owe this debt and threatening legal action and saying if I do n't call them back they are going to sue me I told them to send validation of the debt which they are yet to send simply because they are scam artist. They are now calling my place of employment and my cell after telling them not too and that they could only correspond with me through mail and written documentation. As I stated this bill was paid several years ago. A woman has been calling as well as guy pretending to be lawyers

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Checking or savings account (CD (Certificate of Deposit)) with BANK OF THE WEST (CO).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: In XXXX, I tried to open a credit card with my bank ( Bank of the West ). I had no credit history, so they suggested I take out a loan ( that I did not need ), and pay it back to build credit. They would n't give me the loan either, without me putting the full amount of the loan in a CD to use as collateral. I saw this as a way to pay money to the bank to build credit, and reluctantly agreed. 

This year ( XXXX XXXX, after the full term of the loan and the CD, I tried to close the CD, only to find that it had been automatically renewed and I would n't be able to withdraw the money until XXXX, unless I paid an {$80.00} fee. The manager explained to me that a letter had been mailed and that after the letter was sent out, I had 15 days to physically come into the bank and close the account. I have a couple major issues with the way this transaction occured : 1 ) It was not clearly communicated to me in XXXX that the XXXX would automatically renew, and even if it was, this is an absurd practice. Clearly, as the CD was only used as collateral for a loan and generated essentially zero interest, I would not want to renew the CD.

2 ) I was not able to use online banking to close the CD, and the reminder was sent to an old address. Although I had updated my addresses for my checking account and credit card, the reminder was sent to the old address, guaranteeing that I would not see it within the 15 day time period. There was also no email or electronic communication. If I had been able to close the CD online, this might have been avoided.

3 ) The manager at the local branch told me that I " need to take responsibility for my accounts '' even after she said people in my situation came in " all the time '' wanting to close their CDs that had been automatically renewed. If this is happening " all the time, '' maybe it is time to change the practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/20/2018 about Debt collection (Auto debt) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently received a wage garnishment from Union Bank through a default judgment. There are three issues with this action taken by Union Bank which causes the filing of this complaint ; 1 ) The debt was NOT mine, this can be proven by the fact I was removed from the auto purchase by Union Bank due to my excessive debt at the time and most important this fact is proven in U.S. Bankruptcy Court filings and credit reports before and after the default judgment in 2010. All Union Bank loan statements reflect only my ex-wife 's name. 
2 ) The debt was " charged-off as bad debt, profit and loss write off '' ... this is reflected prior to the default judgment and reflected in credit reports I possess ... and most important THIS IS TAX FRAUD.

3 ) Union Bank knowingly filed documents in Superior Court to obtain the default judgment and directed other entities to garnish my wages.

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 02/21/2018 about Checking or savings account (Checking account) with Knight Adjustment Bureau (MD).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: ACCOUNT IS SHOWING ON MY XXXX REPORT. THIS IS FRAUD AND WAS A RESULT OF IDENTITY THEFT WHICH I HAVE SUBMITTED POLICE REPORTS TO XXXX. THIS ACCOUNT IS NOT MINE. PER YOUR " INVESTIGATION '' YOU SAID I REPORTED SOMETHING TO THE BANK. I NEVER REPORTED ANYTHING AS THIS ACCOUNT, I DID NOT OPEN IT. YOU SAY THIS ACCOUNT IS NOT SHOWING IN COLLECTION IN MY CREDIT REPORT. WELL I HAVE ATTACHED WHERE IT IS. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Hi i had just recently turned XXXX XX/XX/XXXX and wanted to begin building my credit by starting a contract plan with XXXX. They denied me and sent me a letter informing me of my credit score : XXXX. I am not sure why is it XXXX because I have no payment history, never gotten any loans out or anything. I attempting to receive my annual free credit report from the XXXX credit agencies, annualcreditreport, creditkarma etc. In the third step of identity confirmation I am asked security question as to which credit agency or bank I got my supposed home, auto and school loan from XX/XX/XXXX. XX/XX/XXXX I was only XXXX years old and it is impossible that I have any loans, which then denies me access to my credit report ; it says they are " unable to retreive my report at this time ''. I have taken hours calling each agency bureau, the annualcreditreport, my bank XXXX and the consumer protection bureau. All of them have given me little to no insight. I had no other choice but to turn on a fraud alert on my credit report to be proactive if it is the case of an identity theft crisis and someone got loans in my name XX/XX/XXXX. Still no one can help me see my credit report that I have never gotten to see myself and no help from Experian to talk to a representative, its all an automated machine that had no option for assistance. I am left with my last hope of figuring out my credit status so I can fix it if needed or just understand how my score came to be, by filing a complaint to get a response and further guidance.

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 11/28/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (OH).
Issue: Unauthorized transactions/trans. issues

Complaint: My card was stolen and I filed the complaint with American Express and they have not refunded the money I lost during the event nor made any additional contact with me

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-05-2016 about Mortgage (Conventional fixed mortgage) with CITYWIDE HOME LOANS A UTAH CORPORATION (UT).
Issue: Application, originator, mortgage broker

Complaint: When I contacted the broker, I was told loans could process in as little as 8 days. When I asked if they could insure 21 days I was told absolutely yes. I am now being told 30 days at the best. 
Initially, XXXX % down was agreed upon. After committing to use their program, I was informed that XXXX % would need to be placed down. 
EVERY SINGLE PROMISED DATE HAS NOT BEEN MET. There has been delay after delay, all blamed upon other entities but, it seems to me there has been little or no sense of urgency to resolve until I get a hold of them at the end of the day and then it is too late for that day. I constantly receive promises that are not kept. The loan processor does n't work every day so there are days where no updates are forthcoming. 
In summary, I feel I was led into a loan and once I was vested in it there has been lack of communication and no sense of urgency to fulfill their promises. 
I advise anyone working with this office to be cautious about what they are promised.

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 01/23/2017 about Credit reporting () with Diversified Consultants, Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an account from Diversified Consultants stating the original creditor is XXXX listed on my credit report stating the open date is XXXX. This is not my account. I have had XXXX for 2 years. I never received a dunning letter from Diversified Consultants and have called and written letter to Diversified Consultants and XXXX numerous times with no resolution. This account needs to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NE).
Issue: Other

Complaint: The monthly amount due on my credit card is inconsistent. My monthly statement gives XXXX amount. The online banking alert of credit card payment due ( an email from them ) gives a different amount. I 've contacted them several times to correct this, but the problem still remains. The final straw was this evening when I called again, and politely but pointedly asked for some action to be taken. I was transferred to another department which had already closed for the day. A horrible way to treat a customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: WHILE WORKING ON MY CREDIT CARD ACCOUNTS TO SEE THE MONIES THAT HAS BEEN SPENT I CAME ACCROSS XX/XX/12 XXXX XXXX XXXX CHARGE OF {$2600.00} A CHARGE I DID NOT HAVE ANY CONNECTION TO. I CALLED TO REPORT IT TO XXXX AT NAVY FEDERAL XXXX. XXXX I SPOKE WITH XXXX AT THE BANK AND SHE TOOK THE XXXX CLAIM SHE SAID IT WOULD TAKE ABOUT 90 DAYS TO RETURN MY MONEY AFTER THEY ARE FINISHED THE INVESTIGATION. I GAVE HER ALL THE INFORMATION I FOUND ON THE WEB ABOUT IT WAS A SCAM, AND THE PHONE NUMBER AND THE BUSINESS NEVER ANSWERS. SHE WAS NOT VERY NICE. SHE ASK ME WHY DID ID JUST FIND IT. I EXPLAINED I WAS SEARCHING FOR MONEY I HAD SPENT IN THE PAST 5-6-7- YEARS. 
I AM NOT ASKIING FOR ANYTHING BUT MY MONEY RETRUNED TO ME. 
THIS WAS A SCAM AND I WAS THE VICTIUM. I WANT MY MONEY CREDITED TO MY ACCOUNT. YES I MISSED THE CHARGE BUT IT IS STILL A FRAUD AND I WANT MY MONEY RETURNED TO MY CARD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with 1st Franklin Financial Corporation (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The collector calls every other day, and sometimes daily! They show up at my house and leave bots send me letters, etc. I have spoken with them and let them know I am currently in a financial situation and I will try to do the best I can! They have threatened with suet and threatened to have wages garnishes from my check I told them that I was going to make a payment but I ca n't go a day with out them calling or showing up at my house at random times and when I do make a payment they harass me in the office if I make a partial payment they decline it and say it must be a full payment before they will except

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Deposits and withdrawals

Complaint: I Deposited a check from my brokerage account vanguard a XXXX dollar company into my wells fargo checking account on XXXX/XXXX/16 XXXX told me the funds cleared on XXXX/XXXX/16 yet wells fargo would not release the hold until XXXX/XXXX/16 .I called there help desk to ask why and was told that 's just our policy and i should go to my branch i did on XXXX/XXXX/16 and spoke to the branch manager who called her supervisor that stated the funds had cleared all there accounts on the XXXX/XXXX/16 my question is why is a bank that is under federal investigation for fraud allowed to hold customers money without paying interest and or releasing there funds to them.Is this just another example of cunsumer fraud that needs to be investigated.

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 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: The  XXXX   XXXX  is reporting several incorrect items on my  XXXX ,  XXXX  and Experian credit reports. First,  XXXX   XXXX  is reporting that there was payment activity in  XX/XX/XXXX    (  XXXX   ),  which the last payment made was in   XXXX  . Second, it is reporting that there is a monthly payment of {$2100.00} which the monthly payment is {$0.00}. The Home I have contacted  XXXX   XXXX  several times about identity theft and provided copies of police reports and fraud affidavits but in response instead of removing these fraud accounts -  XXXX   XXXX  reports these accounts as " new derogatory '' accounts which artificially lowers my  credit score.      The  XXXX   XXXX  is reporting this false information to illegally extend the 7 year reporting period, and is trying to keep these on my credit report an additional  two  years which it legally can not do.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I read about the Equifax Data Breach on XX/XX/2017. 
I checked my info with the equifax breach site to see if i was impacted ( I " may have been. " ). 
I followed steps outlined at ftc.gov to contact the reporting agencies and put a fraud alert on my file, which should require anyone initiating a new line of credit to call me before doing so. 
I followed the instructions to get my free annual credit reports to review and ensure nothing out of the ordinary ( nothing yet ).

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Checking or savings account (Other banking product or service) with NETSPEND CORPORATION (MD).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Deceptive Practices regarding receiving my direct deposit payroll on my prepaid debit cards My direct deposit 's always post to my accounts every two weeks on a Friday per my alerts from netspend. I have a copy of my job payroll disbursement schedule. My pay was released on XX/XX/XXXX, everyone in my office received their pay on Saturday, XX/XX/XXXX.

Netspend is supposed to give consumers immediate access to their money, ppayroll direct deposit 's once it enter into your accounts. 
NetSpend Corporation promised consumers immediate access to their funds with no holds, no waiting, representations deceptive. 

Immediate access? Not so fast, alleges the FTC. NetSpends ads were replete with claims like No Waiting! and Use your card immediately.

The upshot? People who loaded funds onto NetSpend cards often had to wait and wait and wait to access their own hard-earned money. The FTC says those delays resulted in severe financial hardship to consumers, including evictions, repossessed cars, and late fees on bills. 

NetSpends business practices were at odds with its marketing claims. cards, failed to live up to that promise. Netspend use XXXX to deposit funds into customers accounts. I 've called Netspend 5 times already, XX/XX/XXXX. 

I attached my employer payroll disbursement schedule.

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 06/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (TN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Frequently called asking for the contact info for my " legal counsel ''. Have not responded to my multiple requests for detailed documentation that I owe this debt. Have continued to call and leave threatening and vulgar messages even when I requested they not.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Debt collection (Medical) with Receivables Management Partners, LLC (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX XXXX is reporting under 3 credit bureaus duplicate accounts that they have not verified

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Late fee

Complaint: I have a HH Gregg credit card account and thought that I have been making on time payments since I pay on the due date, which is the seventh, of each month. I noticed that my balance was not reducing in the last few months and that the minimum payment fluctuated tremendously. I spoke with a customer service agent who told me that I was being charge a {$38.00} dollar late fee for paying on the due date, and there were XXXX charges of this on my account. The representative removed the last charge but refused to discard the other charges. I was told that the payment had to be paid two days in advance of the due date in order to be considered on time. I told them that there was no notification of this through their automated system or on the statement, and I have never heard of such a policy with any other company. The representative continued to state the same thing and left me no recourse to resolve this, even after I requested to speak with a supervisor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/28/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Managing the loan or lease

Complaint: Capital One took an unauthorized payment from my account for the amount of {$540.00}. my Auto payment is {$400.00}. they used my banking information and when I asked for it to be refunded it took 5 business days to have it returned to my banking account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The name XXXX XXXX XXXX XXXX us not my name

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a public record listed on my file that Experian is reporting such as a bankruptcy which is inaccurate and incomplete. The federal laws requires that the credit agencies provides mechanisms to ensure that each item in my credit file belongs to me and is accurate and complete. I have requested from Experian numerous times for validation which is competent evidence bearing my signature, name, address and telephone of each person they have contacted to validate this Bankruptcy and they have failed me only to return stating that is has been verified without any proof. I have letters from The Federal Bankruptcy Courts saying that they Do Not report to the consumer reporting agencies but yet they continue to say they have verified it through the courts and I know they do n't because the information is inaccurate and incomplete.

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 04/17/2015 about Bank account or service (Other bank product/service) with BNY MELLON, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: The Bank of New York Mellon offers a Heath Savings Account. On their website they provide Electronic Funds Transfer to make deposits into the HSA account electronically from your bank or credit union. I made an EFT deposit into my HSA using the Bank of New York Mellon HSA website on XXXX XXXX, 2015. My personal bank account was debited on XXXX XXXX, 2015 for the amount. As of today, XXXX XXXX, 2015, my HSA Account at the Bank of New York Mellon does not reflect the EFT deposit despite the fact that they have had the funds for XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I do not agree with the XXXX. Review the attached documents very carefully please.

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