milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (OH).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Fidelity Rewards Visa Signature deprived me of my lawfully earned cash rewards by depositing my cash rewards to phantom account. I have 12 accounts at Fidelity including two checking accounts. Ironically, Fidelity deposited my cash rewards on two prior months into the account I provided automatically. For the period ending XX/XX/XXXX, Fidelity deposited my cash rewards into a phantom account I know nothing about. And this came after I complained about a customer service rep. Fidelity gave me XXXX rewards points due to the unprofessional behavior of their rep. Now my account has been tampered internally by a Fidelity VISA employee. I want my full rewards points and any applicable penalties and interest by law. This is a clear case of retaliation by Fidelity 's rep and fraud by someone within their organization

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 11/23/2016 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Delinquent account

Complaint: I disputed an item on my credit reports with Chase Bank with a verification letter dated XXXX XXXX, 2016 and my letter was received and signed for by Chase Bank on the XXXX XXXX, 2016 [ Certified mail with their signature confirmation card ] Account # XXXX : Bal {$1400.00} [ Charged-Off ] I have retained a copy of their signature and date of receipt, as well as time-stamped copies of my credit reports showing that Chase Bank have violated the fair credit reporting act, section 623 ( a ) ( 3 ) by not placing the disclosure on my credit reports within the required 30-day period.The 30 days required disclosure expired on the XXXX of XXXX. 
As Chase Bank have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, Chase bank must now remove this item from my credit reports, which they are refusing to do. 
Can you please let Chase bank know that they 've violated a federal law and should immediately remove this item from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Payday loan, title loan, or personal loan (Payday loan) with QC HOLDINGS INC (MO).
Issue: Can't stop withdrawals from your bank account

Complaint: Five unauthorized ACH transactions were made to my bank account on XX/XX/XXXXfrom this company. Two for XXXX and three for XXXX. I did owe the company for an overdue loan, but I believe taking money from my bank account without my prior knowledge is illegal.

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 04-11-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : 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 I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " XXXX ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 05-02-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Midland Funding claimed that a credit card debt was mine, but neglected to provide documents to me proving that debt was mine, nothing with my signature, only documents showing statements and payments which I have never made Midland took me to court and I was set to be able to provide my documentation, when I arrived for my court date I was told the case was vacated and it was found in Midlands favor based on the documentation the judge received from Midland , I never received the documentation even after requesting it through the courts and paying a fee to file the request I also was not even able to state my case at all, never got to stand before the judge The court documents I received showed that the the court notice was sent  to Midland, but  the box for " defendant '' was not checked, I wasted my time away from work to go to a court case that never took place

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (DE).
Issue: Rewards

Complaint: I took out my Bank of America credit card to pay all of my wedding expenses, with the expectation that I could pay it back after my wedding ( from the 0 % 12 month APR ) plus get a small cash back bonus from my purchases. I 've used the card for over {$5000.00} worth of wedding expenses, and have XXXX points. I am getting ready to pay off the card now that my wedding is over, and I am trying to redeem the points. 

When I took out the card, I was mislead to believe that the rewards acted as cash back. I did n't realize that the rewards were to be used to credit travel expenses only. I called BAC several times to try to redeem the points ; ticket # XXXX was created to have my points redeemed for full cash value as a one time courtesy due to this confusion, which equates to {$270.00} ( vs. the 60 % or so that was originally quoted to me ). Then, when I called in today, I was told that they can not honor this redemption at all. 

This is a great example of a credit card company offering a misleading, hard to use reward system. I entrusted BAC to help pay for my wedding and was lured in by a ridiculous, misleading reward system.

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 01-02-2018 about Payday loan, title loan, or personal loan (Payday loan) with SUN LOAN COMPANY INC. (IL).
Issue: Can't contact lender or servicer

Complaint: they will not give me validation of the debt and never told me or called me about the debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Jp morgan chase hired debt collector to file a law suit against me regarding my credit card debt. The debt Collector got a judgement against me to collect property, wages, bank accounts etc. i became aware of this because my bank funds were gone today XXXX/XXXX/16 The attorney general in XXXX states and XXXX filed a case against chase for these unfair practices and won the case last year. The debt collector chase hired has n't stopped their unfair collection practices eventhough case against chase has been won and chase is not abiding by the settlement agreement/order against them as they havent stopped this debt collector. I called the attorney that seized my bank account and they claim to be unaware of the case against chase nor to desist collection for chase. I told them i was filing a claim at the attorney general because of the lawsuit against chase snd the attorneys secretary said to go ahead. 
i have been harrassed by them in numerous ways in the past with phone calls and people waiting for me outside my house during the time i was getting XXXX and had to be XXXX at home. 
The amount claimed due to chase was never properly verified by chase nor rid chase notified me that the debt was being sold. 
I got into a situation of not being able pay chase due to their predatory interest increase. I was dealing with battling XXXX, then unemployment and divorce. My home is being foreclosed on too. At some point i remember informing chase i was going to file bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (MS).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XX/XX/XXXX I made a payment on my car note of XXXX. I received an email onXX/XX/XXXX stating that my payment had been made and giving me a confirmation number for the payment.
I also received a mailed statement from my lender stating that I had made the payment, dated XX/XX/XXXXFive days later, onXX/XX/XXXX my lender, Ally Financial, stated that they had not been paid, as they had neglected to take the funds given to them on the day that they were given, despite the fact that they had issued two ( 2 ) written notices stating that they had been paid.
They have now begun credit collection activities against me, including calling my work phone number ad nauseam, Monday through Friday, sometimes seven to eight times a day.
When the money was available for the payment, the payment was made. Ally sat on my transaction for nearly an entire week, and did not take their payment, although they stated and confirmed with a confirmation number that they had.
Now, I am in arrears and owe penalties which seem to have been the aim of the company, to obtain more funds than the payment amount, or by the negligence, or laziness of their employees, I now owe said penalties, and am in danger of losing my vehicle.

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 04/20/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I was trying to short sell my home. I called and asked about the process. The employees kept saying the lost paperwork, someone passed away so they had to start over again ( SEVERAL TIMES ). I was told I could NOT do a short sale I had to do a deed in lieu, however, I contacted my attorney and she told me that was n't true. She stated everyone has a right to first try to short sale my house. I went to meet a potential buyer and I was n't even late on my payment and the door knobs were already broken, so I couldl n't even get into the house. There was some property management company sign on my window. I was dealing with a realtor and he got so angry with  one of the  workers they were cursing at each other and she hung up in his face. Finally I had a buyer for the short sell and they told me well you only h ave 2 weeks  before your time runs out to do a short sale so we ca n't do this and told my realtor sorry we would n't be able to close in enough time so, the house went into foreclosure. I can have both realtors contact whomever needs to be spoken to. I also file a complaint on the website when this happened, but heard nothing back from anyone

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have been trying to get from Bank of America a satisfaction of mortgage from a mortgage that was paid off in XX/XX/XXXX. I originally received a satisfaction from the FDIC back in XX/XX/XXXX, but it was never filed at my county clerks office, so it still shows outstanding. LaSalle National Bank was the last bank it was assigned to. As per XXXX XXXX in the FDIC, since XXXX was acquired by BOA it is their responsibility to do so. They have refused giving different answers every time I contacted them to do it.. XXXX XXXX asked to have someone call her to get an explanation, but they refuse. I was told by BOA that XXXX XXXX has to get me the satisfaction, but they are no longer in business. When i received a letter answering my complaint to BOA they wanted a payoff, which I was able to get from XXXX XXXX in the FDIC.. After that was sent in it still was not enough.They said it wasnt paid to BOA. Of course it was n't. I have attached all the paper work from XX/XX/XXXX to XX/XX/XXXX.. The best part of this is that I found about this while I refinanced my mortgage through BOA. The title co gave an exception, that is why the refinance went through. I do n't know where else to go to get this done before I pass on. I need this satisfaction so my children call sell the home after I pass on..

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 12/19/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have contacted Experian and told them to remove an erroneous address that I have never lived at and it has not been removed. They stated that a collector reported it. However, I do not know of a that collector. I do know that this address is not mine. All the other XXXX credit bureaus changed it and deleted that address to match the address where I have been living at for 25 years or more. But, they chose not to and I feel like it is in violation of my constitutional rights and the FCRA. 

They need to remove XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX and/or XXXX XXXX XXXX, XXXX, GA, XXXX I XXXX the # XXXX address and it does not even exist.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2017 about Credit card () with SYNCHRONY FINANCIAL (KY).
Issue: Closing/Cancelling account

Complaint: I have had an excellent credit history with my Old Navy account with Synchrony Bank, and they sent me a letter one year ago lowering my limit due to a low credit score. Then they sent a letter now closing my account, saying they decide to close it due to my negative reports on my credit report and too many accounts. I have not given them permission to continually check my credit report like that. AND, my card has been at a XXXX balance, paid off, for at least three months.

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 04/14/2017 about Mortgage (Conventional fixed mortgage) with WESTERN UNION COMPANY, THE (NM).
Issue: Loan servicing, payments, escrow account

Complaint: This is a disputed response to previously filed claim against Paymap and Western Union CFPB Complaint Number XXXX. 

Paymap issued a stop payment for the re-issued check in the amount of {$520.00} after it was deposited XX/XX/2017. My bank issued a notice of returned deposited/cashed check due to return reason : Stop Payment by Paymap Inc. Attached is the stop payment notice I received from my bank. I was not able to collect promised amount due to the above reason thereby I am disputing Paymap 's response. I called Western Union/Paymap 's Corporate Headquarters at XXXX, and provide the Western Union Reference # XXXX but there was no one to answer my call despite several trials. 

I am formally submitting a compliant to have Paymap re-issue the payment of {$520.00} in the form of Cashiers Check issued to the correct pay to the order of : XXXX XXXX as originally disputed on claim. Mail payment to : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (Credit card) with GCFS, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am filing a complaint against greater California financial services because they are illegally trying to collect on a XXXX XXXX credit card debt that is not valid and also past its statutes of limitations. The credit card account was charged off seven years ago and it is not shown as reported on my credit report as of XXXX/XXXX/15. When the company first contacted me last year, they misinformed me who they were staring they were a law firm as a scare tactic. Since then, I have written a cease and desist letter along with a zombie debt letter but they continue to demand payment. Not only are they saying I owe this debt but they are claiming I owe XXXX the amount of the original debt. The original amount was {$12000.00} and now they claim I owe {$24000.00}. I am in the process of re-financing my home but can not move forward without resolving this matter because the company has a lien against me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of the completion of the investigation. 

Thank you for your assistance in this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Trouble during payment process

Complaint: Well, I just filed a complaint recently about Bank of America. Well we got a letter from XXXX XXXX My husband did call her she apologized etc. Well she said she needed more time to look into this she told my husband she would call him Wed,XX/XX/XXXX She said between 2 and 3 yes he carved out a time at work and waited for a call, guess what, no phone call We get a letter Friday XX/XX/XXXX " apologizing '' saying she needed more time. First of all a poor way to do business That is like I make an appointment and do n't show up and then send a letter or a email 2 days later. Poor customer service. Mean while my husband went to to the local bank of american and spoke to the manager and he agreed, he could n't get away with sending a letter saying he missed an appointment. Meanwhile she claimed in her notes she called, todayXX/XX/XXXX She did n't call and if she did no voice mail.She promises to call but does not. Bank of america seems to be known for lying. My husband had his phone on all day. Meanwhile we still got 2 different payments and nobody can answer our questions. One payment is XXXX and XXXX I can praise the bank manager XXXX nice guy, If we honestly do n't hear soon from bank of america mortgage, our next trip is to XXXX NC to the main bank. <P/>I will keep on complaining and complaining until someone answers our questions. We are tired of promises they do not keep. Poor customer service.

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 09-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I never lived outside the state of XXXX except for when I was in the XXXX and then it was not in the state of XXXX. XXXX was in XXXX and my XXXX was in XXXX and I was station in XXXX. I never lived in XXXX. I reported this to the credit bureau once before.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-08-2015 about Mortgage (Home equity loan or line of credit) with HSBC NORTH AMERICA HOLDINGS INC. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: Relocated to Ohio in XXXX with a job transfer. It was not a smooth transition and because of many circumstances out of our control, the move cost us XXXX and a lost home. The transfer was voluntary therefore, the company did not reimburse charges. In XXXX, we found that we were trying to recoup our monies lost and was contacted by a broker with HFC, what he explained to be a Home Equity Loan sound as though this is what we need. It would consolidate our debt into XXXX loan in the amount of {$20000.00}, and it would be paid off in XXXX years. I contacted HFC aka HSBC a couple years ago to inquire as to why the loan is going on XXXX years old and the balance is {$21000.00}. I was told that this was a credit card with a high interest rate which incurres interest monthly. Because of the job market in XXXX Ohio, I have been unemployeed ( layed off ) XXXX times since XXXX ; I allied for a hardship modification with HFC and was approved in XXXX XXXX. I am still getting late notices for the original montly amout and when I call in I am told they do not know why their system has not changed things nor why the total amount is not going down other that THIS IS A DAILY RATE INTEREST BEARING LOAN. How can we ever take care of this? I feel this was a deceptive practice from the first conception of this loan and I am sure we are not the only ones this has happened to. What can we do?

Company response to consumer: Closed with explanation