milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-04-2017 about Credit card or prepaid card (Government benefit card) with Comerica (MD).
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint: on Saturday, XXXX XXXX, 2017, I visited a XXXX XXXX ATM machine in XXXX Maryland, where the funds did not disperse from the ATM. I 've called over 10 times to XXXX XXXX for assistance with submitting a claim. the company has hung up on me all 10 times. I went to the nearest XXXX XXXX bank to submit a claim, and was turned away as the claim has to initiate from the XXXX XXXX. these are government issued, protected funds and this company is not helping me recover what was taken from the atm machine

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: In apr of 2017 I made a partial payment of {$300.00} to XXXX XXXX and then within and week or two made another partial payment for another {$300.00} to XXXX XXXX again. They are reporting that I am XXXX days late making a payment when in actuality they do n't report anything to the credit bureaus because I filed bankrupt. I do realize they say the payment should have been made by the end of the month so they do n't report, but they have contradicted themselves now thus making my credit bad. I 'm just asking for a forgiveness letter since I have been a good customer and have not been in troubles with them. One person at XXXX XXXX tells me I 'm not late another says I am late. which one is it. I would like the situation rectified so that I can move forward rebuilding my credit. Thank you.

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 UNITED SERVICES AUTOMOBILE ASSOCIATION (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On or about X/XX/2016 USAA Savings Bank incorrectly reported me to XXXX XXXX XXXX that USAA closed my checking account for cause. This is wrong. I closed the account due to lost checks. USAA did not suffer any monetary losses. I demand that this be removed from my XXXX XXXX report. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2016 about Credit card () with Pressler & Pressler, LLP (NJ).
Issue: Delinquent account

Complaint: The original credit card was with XXXX and went into collections in XXXX with XXXX XXXX. In XXXX, XXXX XXXX using Pressler and Pressler filed the judgement # XXXX in XXXX XXXX NJ against me on XXXX/XXXX/XXXX. This is outside the state statue of limitations that a judgement can be filed against me in the state of NJ which is 6 years. I have asked for the original paper work that was used to filed the judgement and Pressler and Pressler is refusing to provide this information. Please help me have this removed ASAP as this is keeping me from closing on my new home on XXXX/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 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On  XXXX   XXXX ,   XXXX  , I realized my identify was stolen because I received mail forwarding confirmation from the  XXXX  that I did not initiate. I also received a credit card confirmation from  XXXX   XXXX   XXXX   that I did not apply for. I immediately reported it as fraudulent so my mail was only forwarded for 5 days, I contacted the credit bureau and placed a fraud alert on the  XXXX  services, Experian,  XXXX  and  XXXX  My family and I are now moving. So I changed my address on some credit card s, one of  them  XXXX   XXXX  in particular. My son was attempting to buy gas and he was prompted to enter the zip code. He entered our current zip code instead of the new  one beca use he did n't know I changed the address. This action put a hold on all of the cards. I called  XXXX  on  XXXX   XXXX ,   XXXX   and they explained that they could not release the hold because a fraud alert is on my Experian file and the contact information that I supplied did not match. The cell number I use to authenticate, was 'close ' but not correct. So, the  XXXX   XXXX  cards have a freeze until I reach Experian to verify and correct my contact information. I can not reach a person to help me at Experian. It 's just a menu and none of the options fit my situation. I have tried a few times during different times of the day, but my call is never routed to a person. Please help.

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 02-12-2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I had some late fees and interest on the card and I called XXXX XXXX, the issuer of the XXXX XXXX  XXXX store card. They have agreed to remove the late fee and told me I was only obligated to pay the interest of {$12.00} which I did right away. The call took place on XX/XX/XXXX and the credit card billing cycle ended on XX/XX/XXXX. Instead of removing the late fees right on that date, XXXX waited till XX/XX/XXXX to remove the fees which resulted in accruing another late fee of {$26.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I currently have  XXXX  inquires on my credit report that I have not given consent to.    1. O n   XX/XX/XXXX    XXXX /  XXXX   XXXX   XXXX      XXXX   XXXX  l , Fl.  XXXX   2.  On   XX/XX/XXXX  a nd   XX/XX/XXXX  Cr editor contact details    XXXX     XXXX   XXXX  , Ca.  XXXX  3.  On   XX/XX/XXXX    XXXX   XXXX    XXXX , Pa   XXXX   4. On  XX/XX/XXXX    XXXX   XXXX    XXXX , Pa  XXXX  5. On  XX/XX/XXXX Certified credit report  XXXX , Ca   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 11-06-2016 about Debt collection (Medical) with Receivables Management Partners, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Sent a letter to verify debt to Financial Control Services for XXXX. They sent a letter with only XXXX lines as a verification. The letter is not its.used but just shows the total THEY say I owe. The letter says they consider it accurate. I believe this does not meet the requirement and need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Consumer Loan (Installment loan) with Conn's, Inc. (TN).
Issue: Problems when you are unable to pay

Complaint: Harassment/abuse I receive on average 8-10 calls per day from Conns trying to collect a payment from me. I have asked them to quit calling but I have had no luck. I blocked their number and that worked for awhile but then they started calling from different phone numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On my Equifax report i have inquiries that i did not authorize or have knowledge of XXXX XXXX on XXXXX17, XXXX XXXX XXXX on XXXX17, XXXX XXXX on XXXX17, XXXX XXXX on XXXXX17, XXXX XXXX/XXXX on XXXXX17, and XXXX XXXX on XXXXX17. XXXX XXXX on XXXXX17, XXXX XXXX on XXXXX17 and XXXX/XXXX on XXXXX17

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Bureau Collection Services, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: CBCS had XXXX accounts for XXXX and XXXX bank. I sent money and the debt was not paid. XXXX claims I still owe {$100.00} and XXXX XXXX XXXX took {$110.00} from my bank account. When I called CBCS they claimed that I never had accounts with them. I can not show the payments as it was debited from a XXXX XXXX card that the employer ( that I no longer work for ) used to direct deposit my pay. XXXX claims that they do not generate statements for the payment because I no longer use the card and it was too long ago.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Took what I thought was a private loan from XXXX XXXX out in 2006. The college recommended XXXX XXXX. My credit report now show XXXX as my servicer and XXXX XXXX as my lender. No original loan paperwork has been sent to me. My credit report has multiple loans showing. Same amount same loan number appears to be duplicate. 
Loan is now showing as a FFEL when it was private. Loan is over 10yrs old. I have disputed to no avail. Did not apply for a XXXX XXXX loan with XXXX XXXX or XXXX. My college recommended XXXX XXXX for a XXXX XXXX dollar personal loan. I have graduated and can not find a job, I would like to have this removed

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 12-04-2015 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian continues to indicate that XXXX County lien XXXX was paid. IT WAS NOT PAID. Instead, the lien was filed in error by the State of Alabama and eventually canceled. However, Experian refuses to correct the reporting despite multiple submission of documents indicating the correct status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have requested Chex Systems on numerous occasions to remove the the reported information from XXXX XXXX XXXX XXXX and each time it is removed and then re-instated. I have sent a police report, and an FTC Affidavit as these accounts were opened without my authorization. Please remove all inquiries from this credit union and remove the reported information again.

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 02-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call from XXXX with Sunrise Credit Services on behalf of XXXX. Stating that I owe XXXX plus dollars for an account in collections. If I dont make the payment immediately legal action will be taken. I explained that I have lived at the same address since coming into the country and I have not had cable services since receiving my SS # in XXXX 2015. I sent them a letter requesting to verify that the debt is mine. I have yet to receive, this information. I have never used my bank accounts to pay XXXX anything, I have never had an account with XXXX. Im not sure if ss # are recyled or not but Ive been having the same issue with aother accouts appearing that have nothing to do with me. I have supporting documents from the FTC and XXXX Police Department.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: LVNV IS REPORTING A COLLECTION TO MY CREDIT REPORT FOR THE PAID OFF CREDIT CARD.. MY NUMEROUS ATTEMPTS TO REACH THEM TO REQUEST THE VALIDATION OF THIS ACCOUNT OR DELETION WENT IGNORED AND THIS IS STILL DAMAGING MY CREDIT. PLEASE HELP AND REMOVE THIS FROM MY CREDIT REPORT IMMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Confusing or misleading advertising or marketing

Complaint: I logged onto Transunion website to place a lock on my account and the account of my wife on XXXX XXXX, XXXX. We were successful in placing the lock on my wife account, but two days later we received an email indicating that we had subscribed to credit monitoring for $ XXXXmonth. We did not want credit monitoring. I subsequent phone call and being on hold for 45 minutes we were able to get this subscription reversed on XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (I do not know) with Blitt and Gaines, P.C. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I was sent via XXXX a letter from BLitt and Gaines for wage assignment in XXXX with a court date of XX/XX/XXXX. I went to court on that day and the lawyer for Blitt and Gaines stated my employer XXXX did NOT respond to the lawyers request for wage assignment and my case was to be forwarded to XX/XX/XXXX. Yet my wages are being garnished with NO court judgement against me. The lawyer stated to call my HR employer and state to them to respond to their request so that it can finalized in XXXX. I called Blitt and Gaines and the rep stated to be as of XXXX XXXX their office STILL DID NOT receive any type of notification from XXXX ( my employer ) to their request. I also stated to the rep at Blitt and Gaines I went to court to state my case and she told me it does n't matter anyway you do n't have any right to appeal the decision, it is just an option for you to show up and nothing can be done. XXXX did n't send me any notification of garnishment until XXXX the day AFTER I went to court. When trying to speak to representative at XXXX I asked to speak to a supervisor the rep there transferred me to someone else who was not a supervisor. I then asked to speak to a supervisor which the woman put me on hold for 10 minutes stated there was no one available and then hung up on me. I called back and was hung up again.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Us Bank Home Mortgage, XXXX XXXX XXXX, XXXX, KY XXXX, is engaged in fraudulent practices when it comes to processing principal reduction payments. 
This has happened to me always for the last 5 times. Here is the the illegal scheme :1-I make a principal reduction payment in addition to regular monthly Home mortgage payment. 
2-However instead of applying the the extra payment to reduce my principle, they keep the money in their account for applying to future monthly payments. 
3-However their next month 's statement still shows monthly payment is due next month. This fools us thinking that all the excess payments were applied to principal reduction but in reality, it just stays in their pocket w/o reducing my principal at all. 
As a result the above # 2, they are unfairly charging me more interest on my Home mortgage ( and keeping the received extra money with them as interest free loan ). 
This seems illegal to me and after every such incident call them and they reapply the payment to principal reduction. 
It seems illegal, unethical and fraudulent and may be impacting lots of unsuspecting people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: On XXXX XXXX, 2016, I paid TransUnion {$1.00} for my credit report. I did not ask for anything else. However, they charged me {$29.00} for a subscription I did not sign up for PLUS a {$19.00} recurring fee.

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 05/24/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I previously submitted disputes with Experian Credit Bureau because they were reporting my mortgage with XXXX XXXX, XXXX as being closed with a {$0.00} balance. My mortgage was opened in XXXX with a variable 30 year rate. I currently make monthly payments of {$570.00}. In XXXX XXXX Experian updated my account, however they made matters worst by changing the account type from mortgage to personal loan. My efforts to correct the new inaccuracy have been unsuccessful. In XXXX XXXX my Bankruptcy was discharged and I hoped that all information would be correctly reported to all XXXX credit bureaus since I verified that XXXX XXXX was notified by the courts. To my surprise, nothing changed. I spoke to XXXX at Experian on XXXX/XXXX/XXXX, she was unable to help me and stated that no supervisors were available. I am desperately attempting to improve my credit and resume a comfortable life. I can not do that if vital information is n't being factored into my FICO score. Good credit is a necessity in life and I 'm being robbed of that opportunity because of the sloppy, inaccurate reporting of Experian. I am only asking that they be forced to do their job. Thank you.

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 11-05-2016 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (AZ).
Issue: Managing the loan or lease

Complaint: 1 ) Obtained Ford auto loan - both of us with XXXX credit scores, made XXXX payments on time. 40 years of sterling credit/NOT XXXX LATE PAYMENT. 
2 ) My husband signed up for paperless, payments were made monthly online and on time. 
3 ) My husband died and I continued to use his log in and made the payments, in addition to notifying Ford Credit of my contact information and his death. 
4 ) I made the final payment on time, with a typo ( they are claiming ) for exactly {$100.00} less than the required final payment. I did not realize it was deficient until my credit score plunged by XXXX points. I immediately paid the {$100.00}. 
5 ) No notification to me ( even though they had my email and home addresses along with my cellular ) that the partial payment was " late '' as the account had been placed in the " death committee '' and I could not obtain information regarding the late payment. This was even after submitting his death certificate along with my appointment by the Court as his personal representative and my passport information. 
6 ) After hours on the telephone over a several day period to different departments, I finally convinced them that I was the person with the responsibility and right to information. They were going to send me proof of the 5 years of payments and my early submission of the final payment, even though it was deficient by an innocent error. I HAVE NEVER RECEIVED ANY INFORMATION FROM FORD CREDIT AFTER MY REQUEST ALMOST 2 MONTHS AGO. 
-Is the credit providing company required to send " late payment '' notification? 
-I know that Ford Credit will allow a " forgiveness '' to an unusual late payment for good credit. I could not get to them in time because they closed out the account during the time I was in the " death committee '' and before I could convince them that I had the right to work with them. They kept transferring me to the " committee '' that would not speak to me or give me any explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AR).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: I applied for a credit card at XXXX XXXX as of XX/XX/XXXX and was approved. ( purchase was for about {$980.00}, CC credit limit {$18000.00} I waited for many weeks but never received the Credit Card ( CC ) to this day XX/XX/XXXX I called/emailed XXXX XXXX many times that I did NOT get the CC but they told me " NOT their business ''!!! Than I got a Statement from XXXX XXXX/Bank of America Therefore, I called Bank of America several times to inform them that I did NOT get the CC : First day they told me they made a mistake and they did NOT send the CC but they demanded payment! 
Another day they told me they will NOT mail-send the CC anymore for an unknown reason and NOT disclosed reason and demanded payment, I informed them that I did NOT receive what I asked/applied for and since they made a mistake by not mailing me my CC that I am NOT paying if I do NOT get my CC!! 
I also informed them that I made many inquiries at XXXX XXXX looking for my CC. 

Next Bank of America started harassing me with their phone calls ( calling me via their machine about so far about 100 times ).

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