milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2015 about Bank account or service (Checking account) with TCF NATIONAL BANK (IL).
Issue: Problems caused by my funds being low

Complaint: TCF Processed debits before credits on my account and then charged an overdraft fee of {$37.00}. I specifically called TCF the very day the transactions were pending and they told me the credit from the deposit would process before the debit payments. In fact they did the opposite and the account was never overdrawn if credits were processed before debits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX accounts reporting on my credit report as delinquent -- XXXX from XXXX 's and the other from XXXX XXXX. I have disputed these accounts multiple times, but they nevertheless have not been corrected. 
The XXXX 's account does not belong to me. I have never had an account with XXXX 's. The account was opened in XXXX 2016, and apparently was never paid. The notation indicates it was charged off. I have also contacted XXXX 's advising them that this is a fraudulent account. 
There are also XXXX currently open XXXX XXXX accounts -- XXXX with a zero balance and XXXX with an approximately {$1600.00} balance. I disputed these accounts due to not recognizing them. While the matter was in dispute, XXXX XXXX reported these accounts as delinquent. I disputed each XXXX XXXX or five times over the past six months. Once I finally received verification from XXXX XXXX, I quickly paid both accounts. However, they are still reflecting past due payments. I was under the impression that creditors were not permitted to report an account delinquent while it is in dispute, and once the dispute is resolved, the creditor must give the cardholder an opportunity to make payment before reporting the account delinquent. The person 's name I was dealing with at XXXX XXXX is XXXX XXXX. Her number is XXXX ext 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 07/15/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: XX/XX/2015 I applied for a new Citibank checking account that had a promotion ( XXXX XXXX : XXXX ) to award me XXXX XXXX XXXX AAdvantage Miles after I completed certain requirements. After having opened the account I reached out to a Citibank Representative to confirm my account 's proper enrollment in the promotion and date by which I need to meet my requirements in order to receive the bonus XXXX miles. Attached is a copy of the terms and condition of the promotion that i received during the opening process of my application and also a copy of the confirmation of account being opened. Since then I have met all the requirements for the promotion and have also had repeated phone conversations with Citi Representatives that have confirmed my eligibility, and that i have had met all the requirements for the promotion. Yet after nearly 7 months i have not received my points. As a XXXX Year Old XXXX male I already feel being taken advantage of as a XXXX in many walks of life, now I have a reputable organization doing the same. How is it that I am required to hold my end of the bargain, but Citibank does not? After multiple conversations and confirmation from Citi Representatives now all of sudden Citi says I am not eligible? Citi is pulling a classic bait and switch on me and should not be able just walk away from promises made to customers for monetary benefits of their own. 
I am asking that Citi upholds its promise and award me the XXXX XXXX miles as deserved after having met all their terms and conditions.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I would like to be a part of the law suite for Equifax Credit security breach for mishandling and improper storage and safe guards on my personal information. I need to get information on this process. Lastly, an open fund up to 1 million dollars to cover any lost money or corruption, loans or other financial procedures open in my name by anyone other than myself as of today XXXX-17.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Debt collection (I do not know) with Midwest Recovery Systems (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have 2 collections from Midwest Recovery on my credit report that arent mine. Same amount same day. {$400.00} on XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (TX).
Issue: Received a loan I didn't apply for

Complaint: On Sunday XXXX XXXX, 2016 I was called by Cash Central in XXXX, Utah, a company I 've never heard of. The caller, a woman named XXXX, said that she was following up on an lending inquiry I had made online. I repeatedly told her that I never made any inquiry and I repeatedly asked how and where she got my name and number. She would not answer. I asked for a supervisor and was connected with a woman named XXXX. I told her that I had never contacted or even heard of Cash Central ever in my life and I demanded to know where and how they got my information. She would not tell me. The next day, Monday XXXX XXXX, 2016, I received an alert from my credit monitoring company XXXX XXXX, informing me that XXXX credit reports were taken out on me today : XXXX from Cash Central and XXXX from XXXX XXXX XXXX. I have not applied for any service from either of these companies ever and I want to know who is doing so in my name. I have filed a XXXX XXXX XXXX with XXXX on Monday, XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Consumer Loan (Vehicle loan) with Reliant Financial Corporation (CA).
Issue: Taking out the loan or lease

Complaint: I took out a title loan on one of my vehicles. I was in an urgent situation and needed the money right away. I borrowed money on the title of my XXXX for around {$3600.00} in XX/XX/2015. 
Due to a domestic dispute, the vehicle was sold to a 3rd party right out from under me. Because the vehicle had a tracking device on it, I was able to get the car back. I was charged almost {$780.00} in repossession fees to recover the vehicle, and was told by XXXX that they would not tell me where to recover the vehicle until I paid it. I paid it immediately and was told where to go to recover the vehicle. I was also required to pay an additional {$140.00} to an auto storage company before they physically release the vehicle back to me. After I recovered the vehicle, XXXX put a repossession on my credit report and when I asked them to remove it, they said they would but to date, the repo remains on my credit report. 
I noticed that the balance on the loan was not going down so I requested a loan payment history. I noticed that there were additional fees added to my loan balance, including doubled repossession fees that were added to my bill. My wife went in to make a payment and inquire about the additional fees, noticing that the balance was going up and was the same after almost 15 months. My wife spoke to a man named XXXX, who assured her he would review the payment ledger and call her back the following week. That call never came. Altogether, I believe there are additional fees of approximately {$1100.00} that are being extorted from me. The interest rate was 96 % at the beginning of the loan and was reduced to 60 %. I have attached a copy of my latest monthly statement which does not reflect the interest rate on the statement. I am trying to pay the loan off by adding additional money to the regular payment, but I believe the balance of the account should be no more than {$2300.00}. I would like the CFPB to look in to these unlawful lending practices and help me get away from this dis-honest loan sharking company. I went into this loan with my eyes open and I take responsibility for that, but I draw the line at extortion. I do not owe these additional fees and if I am forced to pay them, I want it on the record. I have attached the loan payment history for your review and have marked with highlight the additional fees that I believe are illegal. 

I would like this company to be advised that they are not allowed to extort unlawful fees and for them to be required to reduce the loan balance by the amount of the additional fees they padded on to my account. Here is a link to show how many unhappy customers they have and their unethical consumer practices. 
XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/31/2016 about Debt collection (I do not know) with Adler Wallach & Associates, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never received a notice of right to dispute this collection account I am not sure what this is for. I have sent a letter to the company disputing the collection account found on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I went through a bankruptcy and came out with a negative balance for my insurance and taxes against my home after 5 years with interest. I request a modification and it took close to two years and the loan was only modify by adding the balance back to loan and the rate stayed the same and I ask why the rate stayed the same I was told that the modification was to ketch me up not make it comfortable. My payments was XXXX and thru my trial modification XXXX a month. Now I am asked to pay over XXXX a month. I also found out that a lean was put on my property.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have called and written numerous time to Equifax about hard inquires on my credit report. I do not have an knowledge or remember having these companies pull my credit or applying with companies. Equifax has stayed these inquires are factual and to contact the creditor. This inquires are not factual.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I paid for credit card my minimum payment in time. XXXX XXXX, 2017 I received a letter from Capital One Bank, they are closing this account, because of usage and violations of the Capital One Customer Agreement.
I called to them and I spoke with representative, but he/she put me chine-line to talk numbers of unresponsable workers on phone, ask me verifications nothing more or less. I ask to explain what exactly I did wrong to violated they our agreement. Can you sent me to study.
I sent them a promissory note, and XXXX ( XXXX XXXX XXXX ) to discharge my debt.
This remedy government provide for us to use for our protection and it is absolutely lawful.
I processed a payment from Straw man account on my name XXXX XXXX XXXX, with my SSN XXXX. This payment was reversed. The Bank don, t have the right to restrict my right to use any account on under.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Mortgage (Other mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My problems started when my mortgage company Carrington Mortgage Services LLC returned my XX/XX/XXXX payment. I called when I saw it was returned to my bank account and immediately may the XX/XX/XXXX payment in or on XXXX XXXX. The payment was not debited for 7 days I made the XX/XX/XXXX Payment in or around the XXXX XXXX. 
They are threatening me with Notice of intent to foreclose by mail and certified letter. They are holding one full payment not partial payment in Unapplied funds. I made both payments with a representative on the phone with Carrington and followed up on the phone. 
I feel they are pushing me to foreclosure and not accepting my payments

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: ok on XXXX I have to declare bankcrupcy chapter XXXX while having a WellsFargo mortgage and the reafirmation proccess on this mortgage was not completed on time and ever since the bank has refused to report my payments with the XXXX credit bureaus even though I have never been late or missed a payment since I took out this mortgage in XXXX. 
What recourse do individuals in this situation like mine have? it is been very hard for me to refinance to take advantage of lower interest rates currently avialable to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Sold accounts from the original creditor still shown on the reports with duplicate purchased accounts from the new creditor. All accounts reporting late even though deferments were applied for and approved

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (NJ).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I XXXX XXXX XXXXXXXX XXXX., was looking earn some extra cash and a company name XXXX XXXX XXXX. So, for me to advertise there logo there willing to pay for both of my vehicles .They sent me check, I waited 3to 4 days to clear at PnC bank in XXXX XXXXXXXX XXXX nj.i spent some monies by second was told check had no funding. So I called the XXXXXXXX XXXX XXXX XXXX XXXX., and was told that no one ever contacted them.if they would 've been contacted, they would 've know the check was fraudulent check and this would not had happen. An P.n.c. bank is charging me for the entire check.why I 'm I responsible when it 's there job to clear the check.i do n't work at the bank.thanks in advance for prompt assistance in this situation. Sincerely XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (MI).
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 refused to correct the incorrect data they put in my Credit Reports due to their sloppy record keeping. 
My loans have been paid off since XX/XX/2007, yet they are reporting my account as late. 
I have tried to get this issue resolved with NELNET for months now, and so far, they have been useless in resolving and or fixing their own mess. 
I am reaching out to you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: i contacted a phone number because i wanted to get the first time home buyer grant they told me to call another number i did and they asked me for my id and ssn after that i received an email saying that they approved me for a home loan but nothing about the first time home buyer program they checked my credit score and my wife credit score without our authorization we are allready qualified with a lender i dont understand why this people pulled my credit if we didnt ask for the we wanted to get the grant for the money for first time home buyer they lie to us so i want to make a complaint if you can contact me in XXXX will be great

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 06/14/2016 about Mortgage (Home equity loan or line of credit) with Statebridge Company (IL).
Issue: Loan modification,collection,foreclosure

Complaint: RE : Loan with Statebridge Company # XXXX The above mentioned loan was in the name of XXXX XXXX, my mother. I, XXXX XXXX, was trying to payoff her bills, because of her XXXX and later her death. I was never on this loan. The beneficiary of this loan was a XXXX XXXX with XXXX children named. I being the XXXX was paying my deceased mother 's debt, which included the above referenced loan. The XXXX mortgage that I was paying was with XXXX XXXX, which I always paid on time. Then, XXXX XXXX sold the loan to XXXX XXXX, again with no problems and always on time. In XXXX 2015, XXXX XXXX sold the loan to Statebridge Company, and here is where it gets crazy. First there was a credit on my account saying that I overpaid. Then in XXXX I sent Statebridge a payment of {$1200.00}, in which, Statebridge returned the check a month later, but I had already sent out XX/XX/XXXX 's payment. I called XXXX XXXX numerous times, but NEVER received a response from her. Finally, I contacted Statebridge and spoke to someone else, who informed me that the loan matured and the total amount was due. When I asked for some help to resolve this, Statebridge flat out refused to help me, stating that my name was not on the loan. So then, I was forced to get a loan, in my name, with XXXX XXXX XXXX to pay off my mother 's loan. After I received the payoff letter, XXXX turned around and recorded on the credit bureaus, that XXXX XXXX was in default of XXXX months, on a loan that was in XXXX XXXX ' name. Also, XXXX told us that we could go online to file under loss mitigation, when in fact, there is no such place on their website to file such reports or complaints. Because of Statebridge 's falsely stating that XXXX XXXX is in default, XXXX XXXX XXXX is stating that my loan with them is fraudulent and is now being investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. Someone stole and used my credit cards and made fraudulent and unauthorized transactions on all 3 of my credit card accounts. My entire credit limit was used and all the transactions are fraudulent and unauthorized. The following credit card accounts are lost/stolen : XXXX XXXX XXXX credit card account, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX credit card account, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX credit card account, XXXX, the accounts are lost/stolen and all of the charges/transactions are fraudulent and unauthorized.

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 11-04-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX They will start calling first thing at XXXX then the calls are repeated every hour or numerous times each hour. I would say it started on XX/2017. I have tried to talk to the company and let them know when I would send a payment in but the phone calls wont stop even though I have spoken to a representive, Im just like I just talked to someone from the company why are they still calling non stop. I know Im over due with my account/ Bill but now the calls are becoming harassing/ annoying in where I cant sleep.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Credit card protection / Debt protection

Complaint: I received a letter from Citicards regarding Citi Payment Safeguard Classic an optional program for which you are charged a monthly fee to protect my card in the case of job loss, XXXX, or loss of life. This was the first time I had heard of this program, but the letter stated I was enrolled in the program. I called the number provided to cancel and inquire if charges had been made to my account. I talked to XXXX different people after being transferred multiple times. First I was told the charges began in XXXX, then another representative said it was since XXXX when I opened my account. This all was without my knowledge or agreeing to this program. I have been unemployed twice during this period and hospitalized. I could have used this benefit in each situation. After being assured I was canceled from this program I asked to be refunded the money and file a complaint. No person was available to talk to me, I was given a XXXX address and told it was going to take 30 days for my inquiry to be acknowledged. No phone number exists fro me to follow up on my claim as XXXX the customer representative told me they do not even have a number connected to the XXXX. Her concern was whether the phone calls had been handled correctly, not the issue I was trying to resolve.

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