milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/27/2017 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint: Regarding the complaints Case # XXXX. US bank did not being honest about my case and they lied to me and to you. Thinking that I will go away and you can closed this case because they responses.
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1. Took them 12 days to refunded my own money instead of federal regulation of 10 days. From X/XX/17- X/X/17 2. The day I notified US BANK my transactions was still in PENDING status. If they looked closely it is so obvious it was a fraud transactions.
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a.Transactions being XXXX miles from where I lived.
b. ATM fee balance inquiry at other network for {$2.00}.
c. non us bank ATM DENIED FEE for {$2.00} d. ATM card was in my procession.
c. I was a long time customer.
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3. Because of 3 of my bills being returned due to US bank refused to pay it knowingly that it was a fraud and now I am being charged late fees from my cable and water company.
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I am just a little guy who do not have money laying around for this type of injustice. US bank did have to go by the book if they have a heart. They have the power to pay while the item in PENDING status but they choose not to. They never returned my phone calls after several attempts.
To added the insult to my injury. This account was suppose to be a free checking account. After US bank took over they did not honor the old agreement and now I am being charged with {$7.00} monthly fees. I want my {$50.00} that was charged from my cable and water company. I want US bank to send an apology letter to them so they will refund the late fees that caused by incompetent from US bank.
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Sincerely, 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 07-07-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Although I have filed bankruptcy and this was discharged in XXXX 2014, I am still battling with the credit agencies and creditors to reflect accuracy - this inhibits the ability to move forward and gain a credit history ; which was the ultimate goal of going to this extreme. I am simply trying to face forward and establish some positivity out of a horrendous situation. However, it has been months and they seem to discredit my claim. This is why I turn to this portal and request some assistance they may take a little more seriously ... thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (LA).
Issue: Using a debit or ATM card

Complaint: THERE WAS AN AD SHOWING THAT THERE WAS A FREE TRIAL AND I ONLY PAY THE SHIPPING COST. I PAID THE {$4.00} FOR SHIPPING. ON XXXX XXXX, XXXX THERE WAS A CHARGE FOR {$97.00} FOR XXXX AND A CHARGE OF {$99.00} FOR A PRODUCT CALLED XXXX. I NEVER AUTHORIZED THESE CHARGES. THEY USED MY DEBIT CARD NUMBER AND I WAS CHARGED FOR THESE PRODUCTS. I FILED A DISPUTE WITH ACE ELITE AND THEY REFUSED TO CREDIT MY ACCOUNT. I NEVER RECEIVED THESE PRODUCTS AND I 'M ON A FIXED INCOME AND THEY ARE SAYING THAT THE PRODUCTS WERE DELIVERED. ALSO THERE IS A CHARGE OF {$92.00} ON XXXX XXXX, XXXX FOR A XXXX WHICH IS ANOTHER CHARGE THAT I DID N'T AUTHORIZE. I 'M BEING CHARGED FOR PRODUCTS THAT I 'VE NOT RECEIVED. I FOLLOWED PROPER PROTOCOL AND ACE ELITE IS SAYING THAT I RECEIVED THE PRODUCTS. THESE PEOPLE HAVE SCAMMED ME AND I WANT MY ACCOUNT CORRECTED. I HAVE NOT RECEIVED ANY OF THESE PRODUCTS AND I LIVE FROM CHECK TO CHECK. THESE PEOPLE GOT MY CARD NUMBER AND NOW I 'VE GOT TO SUFFER BECAUSE OF THEIR SCANDALOUS MAKING CHARGES TO MY ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX and XXXX was included in bk XXXX XXXX of virginia. They have transferred or sold debt to collection agency which in return is on my credit report in collections status. They stating the info is correct and will not remove out of collection or off my credit report. Now I getting collection mail for accounts that was discharged thru bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/26/2016 about Payday loan () with CURO Intermediate Holdings (TX).
Issue: Charged fees or interest I didn't expect

Complaint: I took loan out for {$350.00} I have paid about {$900.00} in interest and fees and they have debit my account {$460.00} to pay off loan which I have stopped payment. I did not authorize this payment. I was not informed when loan was taken out that payments I was making were only for interest and did not go towards loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (IL).
Issue: Trouble during payment process

Complaint: While working through the Loss Mitigation process, I was offered a sale opportunity of my property. During the process, I continued with the Loss Mitigation efforts in case the sale did n't close. At the time of closing, the payoff statement that I was given was deemed to be short and funds were held up. The short payoff was due to the loan proceeding to Foreclosure after it had been deemed complete by Quicken loans. This constitutes dual tracking. I submitted a request that all notes and a complete itemized list of all costs and fees incurred be mailed to me at my new address. This was submitted nearly 2 months ago and still has not been complied with. Please investigate this process and advise me of the outcome. My loan # with Quicken was XXXX for XXXX XXXX  The property address was XXXX XXXX XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
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: XXXX XXXX XXXX has claimed that Account ending in XXXX has been charged off {$4000.00} I have requested that they send me validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. 
Letters were sent on XX/XX/18, XX/XX/18. At the time these credit cards were opened, i had just gone through a Ch.7 Bankruptcy and did not open new cards. These cards must have been opened fraudulently and against my name and without my approval.

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 05/30/2015 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (KY).
Issue: Managing the loan or lease

Complaint: I borrowed approximately {$11000.00} from Springleaf Financial. A couple months later I made a call to pay the entire balance off. The lender told me if I would leave a small balance they would report to my credit to improve my score. I asked if the interest would be on the balance only because I no longer needed the money they lent but did want a higher score. They agreed and told me I would not owe any payments until XXXX. I paid them {$10000.00} that day leaving an {$1100.00} balance. Statements were sent with no details of interest except {$0.00} due. Now years later they want to charge me interest on the entire XXXX. In other words they want to charge over {$7000.00} interest on a balance of {$1100.00} loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/16/2015 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is not responding to any of my requests to investigate and remove accounts from my credit report that were opened fraudulently.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (UT).
Issue: Loan modification,collection,foreclosure

Complaint: This mortgage was aggressively marketed to us by Washington Mutual Bank in 2007. Over the past several years I have discussed this matter with them and many individuals, inside the former Washington Mutual and, now Chase, Bank 's. I have spent many many hours learning about the situation. I have had many real-estate and legal processionals look at the situation as well. 
I reluctantly, negotiated a loan modification with Chase bank. This modification resulted in XXXX separate mortgages. A " new principle balance '' of {$380000.00} and a " deferred principle balance '' of {$170000.00}. Language in the modification very specifically states that " provided I am not in default under the terms of this agreement and I pay my Note in full ( XXXX ) any time more than 30 calendar days after the modification Effective Date, and ( XXXX ) PRIOR TO THE APPLICATION OF THE ENTIRE DIFFERED PRINCIPAL REDUCTION AMOUNT, I SHALL BE FULLY VESTED IN AND ENTITLED TO THE UNAPPLIED AMOUNT OF THE DEFERRED PRINCIPAL REDUCTION AMOUNT AND THE UNAPPLIED AMOUNT SHALL BE DEDUCTED FROM MY PAY OFF BALANCE. This can be found on page XXXX of the attached document, the last paragraph on the page. Some XXXX wanted to buy the home and the Bank has refused to comply with this part of the agreement signed by the bank and myself. I have retained an attorney and will be pursuing legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: This company has sold the account and so they will start calling and harassing me. XXXX is out on the CCard company. Now they sent to a collection agency. They would not speak to me because I had filed harassment to this company. They would call startong at XXXX and not stop all day.

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 06-01-2017 about Vehicle loan or lease (Loan) with American Credit Acceptance, LLC (CA).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: I am reporting this len der ( American Credit Acceptance LLC ) for Usury, concea lment of documentation, and Deceptive/Fraudulent Lending Practices. On or about  XX/XX/XXXX  I purchased a car at the  XXXX   XXXX   XXXX . The lender wa s American Credit Acceptance LLC. T he interest rate on the loan was 28 %, however the dealership explained to me that I could always make a payment to Principal only in order to pay the loan down faster. In the following days I spoke with  American Credit Acceptance direc tly and asked them about the terms of the loan and also if payments could be made to Principal only. They confirmed to me over the phone that Principal only payments were accepted. From this point I have always paid the car note on time using their online payment system ( which charges an abusive and additional  XXXX  dollars per month to use ). On  XX/XX/XXXX  I calle d American Credit Acceptance to  ask again if I could send a payment to Principal only and was informed I could. I then mailed them a {$7000.00} cashiers check from my credit union with the words " Principle only '' plainly written on the check. The payment posted to my account on  XX/XX/XXXX , but to my dismay they took interest from the payment. I immediately called the Lender to voice my concern but was told sternly that no matter what they had told me before, they would not adjust the payment because they do not accept Principal only payments. That same day I received a return call from the lender acknowledging that they had previously told me that the accepted Principal only payments, however regardless of their previous statements, they no longer accept them. Upset, I contacted the  Dept. of Consumer Affairs who then referred me to the State Dept. of Business Oversight. The DBO ex plained to me that this lenders license, number  XXXX , was revoked in the State of California on  XX/XX/XXXX   ( n early 1 year before I signed the loan contract ). For these reasons I contend that this is a fraudulent loan established on deceptive terms at an interest rate that amounts to usury in t he State of  California. I have been diligent to keep up with these abusive payments and my credit worthiness is at stake. I believe this company is deliberately making the repayment of this loan through excessive fees and a loan shark interest rate oppressive to myself, a vulnerable borrower. I am concerned that this unlicensed lender may have many other victims in the state of California.

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 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a foreclosure with XXXX XXXX 4 years ago and they continue to report it as a missed payment every month even though the house was sold 4 years ago so on my credit report it looks as though I 'm still missing payments and in arrears

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 08/29/2016 about Debt collection (Auto) with Vital Solutions, Inc. (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A creditor sent me a fraudulent bill for {$1800.00} in XXXX XXXX. I sent the creditor a letter to cease all communications and confirmed that I disputed the charges. See attached letter. The letter was sent certified and the United States Post Office records confirm it was received by the creditor. 

Recently, I received a letter dated on XXXX XXXX, XXXX to attempt to collect the fraudulent charges. According to the Fair Debt Collection Act, a debt collector can not contact me since the original creditor was notified. Note that this is INDISPUTABLY a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (VA).
Issue: Using a debit or ATM card

Complaint: Dear Sir/Mdm : I have paypal accounts and I load money into my accounts. Then for no reason, they shut me down. Uptil today, they hold my funds for more than three months. 
It is also outrageous that they made Paypal Robots keep sending me formatted replies. Your Robots keep saying : " your account is limited indefinitely and an appeal is not possible. " Please note : 1 ) I never submitted a so-called " appeal '' ; 2 ) What I request is no business relationship with Paypal, i.e., I refuse to keep an account with Paypal, no matter it is " limited indefinitely '', limited definitely, or whatever. 

As I stated from the very beginning, I want my accounts closed and my money returned. I contacted them over ten times with no meaningful response ( now it is no response at all )! 

Thank you for your help with this matter. 

Sincerely, XXXX 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 02/25/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I did a settlement with my Navient account through the collection agency XXXX XXXX XXXX. I paid the settlement and received confirmation that it was paid. 

Navient is refusing to send me a XXXX form which they are required to do by law. I need this form to file my taxes. Navient told me they are n't sending me the settlement form because I did n't pay a higher settlement amount, after I called their customer advocate department repeatedly requesting that they mail my XXXX. The collection agency agreed to my offer on Navients behalf, and confirmed that the settlement had been finalized. 

I have no problem with the collection agency. But Navient themselves have refused to give me my XXXX form by mail, and the reason they say they wo n't give it to me does n't make any sense. They said I should have paid more on my settlement. But they agreed to the settlement that their collection agency accepted from me on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Vehicle loan or lease (Loan) with Westlake Services, LLC (NH).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: On Thursday XX/XX/XXXX I mailed a check to payoff my vehicle. I included an extra day of interest, whereas they would not receive the payment until XX/XX/XXXX. 

At XXXX XXXX in  California on XX/XX/XXXX they received the payment, and I have confirmation from the USPS in regards to who signed for it and at what time Westlake did not apply the payment until the XXXX and are trying to charge me a daily interest rate of {$7.00} On XX/XX/XXXX they were showing that I owed {$29.00} and I contacted them. I was told that the matter would be taken care of in 24 hours. On XX/XX/XXXX they are showing that I owe them {$7.00} and it will continue to climb daily until they figure it out. 

The payment was received on the day that I paid them through, it is not my fault they did not post it immediately even though they claim that they post payments on the day they are received. 

Until this matter is resolved I will not receive my vehicle title

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TX).
Issue: Problems when you are unable to pay

Complaint: i defaulted on a auto loan at ally bank on XX/XX/2013.i noticed recently that every 3 or 4 months they remove the negative entry off my credit report and a completely new entry with a small change in the balance will appear a couple of days later, sometimes only penny 's in difference. therefore restarting the time statutes back to seven years.they constantly do inquiries on my credit reports damaging my score.if the loan was charged of f on XX/XX/2013, why do they keep tinkering with dates, balances, etc.after 4 years in Texas they can not legally sue in court that is why ally bank keeps renewing the credit entry as a new debt with a new balance and a new time statute.this kind of activity does not seem legal to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Debt collection (Medical) with Capio Partners, LLC (TN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was billed an enormous amount from XXXX XXXX XXXX. I received the first statement XXXX XXXX, XXXX. I sent them a letter on XXXX XXXX, XXXX explaining the exorbitant charges which were not in line AT ALL with what should have been charged. I did not receive a response until XXXX XXXX, XXXX from XXXX stating that the charges were billed appropriately XXXX XXXX XXXX. I then received a letter on XXXX XXXX, XXXX stating that the account was reviewed and that I still owed the {$1100.00}. I sent payment of {$160.00} on XXXX XXXX, XXXX. Since that time I have received XXXX communication from ANYONE about the balance. I just, today XXXX XXXX, XXXX, received an alert that my credit score dropped XXXX POINTS! When I checked my credit report from XXXX, I saw that I had an outstanding collections from a company I had never heard of in the amount of {$1000.00}. I called this company and they stated they sent communication on XXXX XXXX - WHICH WAS NOT SENT! I took care of the debt today, but this should NOT be on my credit report or negatively affect me as I had NO knowledge that this was even an issue or should have been collected once I did not receive ANY communication after a payment was made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian Credit reporting. I filed 30 complaints on this stuff and here is shows up again. Serious Delinquency, past due and other negative information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (I do not know) with Orions Management Group, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: The number XXXX keeps calling my employer trying to collect a debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (AZ).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I received a message from XXXX XXXX XXXX XXXX stating I have a complaint against my name and social security number and a warrant was going to be issued at XXXX tomorrow XXXX/XXXX/2015. This is a collections agency/ law office and I 've been ignoring they 're prior calls.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: LAST YEAR BACK IN XXXX I HAD JUST RECENTLY ASK FOR A PAYMENT PLAN BECAUSE THE SCHOOL NEVERED FOUND ME JOB SINCE I GRADUATED BACK IN XXXX. BUT I HAVE BEEN IN FINACIAL HARDSHIP & WITH XXXX KIDS IS HARD. THEY PUT ME ON A PAYMENT PLAN WHICH I WAS PAYING {$50.00} DOLLARS A MONTH THAT THEY SAID THEY NEVER RECIEVED FOR 3 YEARS STRAIGHT AND THEY STOP CALLING. SO WHEN I FILLED MY TAXES THIS YEAR THEY TOOK XXXX DOLLARS FROM ME. I DONT KNOW WHAT GOING ON I NEED HELP PLEASE.

Company response to consumer: Closed with explanation