milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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: on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX I mailed a certified dispute to Transunion, XXXX, XXXX concerning the XXXX XXXX XXXX/XXXX accounts reporting a series of late payments inaccurately. I requested the documents they had in their file at the time is sent letter to verify the late payments against my records and was sent a response the accounts were verified but no documentation. in XX/XX/XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late and 120 day late the 5 following months. in XX/XX/XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late and 120 day late the 5 following months. in XX/XX/XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late ... It is impossible for my account be current one month and report 90 days late the following month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (AL).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: Hello, I 'm the cardholder for this account. I have been double billed and also told by the credit card company to keep only card pay current and and I have been paying on the other yet I 'm still being charged more than {$50.00} in fees. I have tried several times to attempt these add have been constantly put off by the company. 
I must be given 45 days notice of rate, fee and finance charge increases. I was not given any notice my rate would change. 
Double-cycle billing is banned, which eliminates interest charges on debt you pay on time. As you can see by my documents I have been doubled billed.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: company keep calling me about another person debt on my job. They are very rude and want to argue with me when I tell them they have the wrong phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2017 about Checking or savings account (Checking account) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (TN).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I 've recently learned from XXXX that my credit report was compromised. All of my former employers have been deleted from my history. Someone address was listed on my report in Michigan. 

I 've never visited there, lived there, nor do I have family there to my knowledge. I need all of my supporting documentation from my account numbers ending with XXXX and any other accounts opened using my social security number. 

I was told my mail was returned to your bank, I need that I formation for tax purposes, with XXXX. 

Your last letter I received stated a check was received by your bank in the name XXXX XXXX. That is incorrect. XXXX XXXX XXXX never knew my maiden name, because I never used it with them. 

XXXX XXXX XXXX XXXX XXXX my former employer did n't know my maiden name, until I was under investigation by the FBI. They did n't know to use XXXX. 

You stated you are able to access my transactions from XXXX through XXXX. I need my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/19/2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Incorrect/missing disclosures or info

Complaint: Perthe requirements set forth by the FTC in the Civil Action XXXX. XXXX, MoneyGram and it 's agents are required and obligatedtoprotect the consumerfrom fraud and scams through conspicuous and prominent consumer warnings at locations offering MoneyGram products ( I will attach an excerpt from the finding ). 
I recently used a MoneyGramprovider, XXXX XXXX, to wire moneyand they ( XXXX XXXX ) didnot use any fraud warnings whatsoever ; no posters, no forms nor any receipts with warnings. Per a response I received from MoneyGram, the branch I used is supposed to warn the consumer and supposedly has fraud warnings on their verification receipts prior to sending ( confirmed by a letter from MG that I will attach ). I did not receive any sort of verification receipt with any sort of warning or fraud related info or questions ( I will attach my receipt I do have for reference ). Per discussion with the Division Director of XXXX XXXX they have fraud warning posters in their branches, however I have photographs of the branch I used and there are no warnings whatsoever. As a result of my ignorance and not being informed of the dangers of money transfers I was scammed out of {$2800.00}. Had I been informed of the dangers of sending money to a stranger I feel that I would not have done something that now seems so obviously stupid. I hold XXXX XXXX responsible as they were clearly negligent in their required duties to protect the customer. 
One last note ... a week later on XX/XX/XXXX XXXX XXXX from XXXX XXXX called me and asked if I could come in to fill out a form and answer some questions. He would not elaborate or tell me what the questions were or what the form was, just that the large amount I sent triggered a process that he forgot to follow. It is quite possible that this is the " fraud related questions '' that MoneyGram is referring to in their letter to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
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: I have disputed the XXXX XXXX accounts on my report multiple times. XXXX XXXX have not sent me a contract showing my interest rate nor my signature. According to the 609 ( a ) Credit if something cant be verify it must come off my credit. They will send me a summary of a account but they dont have no original documentation. I will be reporting them to the the Arizona attorney general in 2 weeks if this is not of my Credit report.

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 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized credit Inquiries on XXXX credit report a hard inquiry Institution Information WF CRD SVC XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX My information was compromised from XXXX   data hack. Someone was using my information identity

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 06-04-2016 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I pulled up my credit file with Experian and found a Law firm called : XXXX inquiring my credit report without my knowledge. 
I think these folks have been doing it for years. 
Experian XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX Experian XX/XX/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 08-12-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/17, I noticed a Misc Debt from my checking account, I have it set up as also direct Deposit, court order, for my Ex husband, he is not a authorized user on account. For monthly payments. I went to the XXXX XXXX, Nj bank, and they internal search, XXXX was Able to track it down at another Location, funds were being taken out, I never received a letter from the Bank or call, saying it was being Taken back out. This was done at another location with a withdrawal slip, at a teller booth. At first they said someone used by debt card and I took it out. I find this to be poor business handling in the Finacial Institute.
They said they would call me back, nothing yet on wht happen, I m afraid this person going to go back into my account. For they blamed me first, until they realized.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: The escrow on my mortgage increased by {$580.00} ( approx ) a month and I was not notified. Additional {$580.00} was paid on XX/XX/XXXX XX/XX/XXXX without notification or consent. This is a reoccuring monthly payment and would have been deducted monthly without my inquiry. The failure to to notify was acknowledged by an employee at Capital One bank on XXXX XXXX, XXXX after XXXX calls ( XXXX XXXX and XXXX XXXX ) and a failed attempt to have an analysis conducted by the Capital One Escrow Dept.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I received a call from Customer Service they are closing my account because I am well known in the     XXXX   XXXX  . I invest in   XXXX   and buy and sell it. The bank does n't want any customers who have anything to do with  XXXX . I 've had this account since it belonged t o   XXXX   XXXX   XXXX  .   They always treated me well and with no problems. As soon as Huntington  Bought   XXXX   XXXX  ,  they moved to close my accounts. I did nothing out of the ordinary besides deposit and withdraw money and it was n't any large amounts or very often. It is a shame that we in the   XXXX   XXXX   can not have any bank accounts because they close them any time they find out we are  XXXX  people. They also sent me a letter that says they are closing my account but conveniently omitted the reason because they are afraid to put it in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Credit card () with CITIBANK, N.A. (MD).
Issue: Customer service / Customer relations

Complaint: Dear XXXX, I wish I could stop reporting Citibank every year to you, but hey continue to be clandestine about my closed credit card account balance. They just send ACH date and amount to be debited. 
On XXXX XXXX, XXXX I called Citibank 's IRU re : the current balance of credit card account ending in XXXX. The amount is never listed.The rep told me the amount and that fee 's and interest had accrued. I challenge the amount which the rep said was {$1300.00}. Citibank has never listed the balance each time they ACH my checking account. To add insult to injury the rep told me I made payment arrangements on XXXX XXXX, XXXX. I have documentation going back to XXXX, XXXX. Unfortunately I had to report Citi 's ruthless and unfair consumer tactics ( XXXX other accounts were also involved ) to the CFPB. Due to the bureaus intervention, XXXX of Citi 's client liaison 's assisted with all of the accounts with affordable and reasonable payments.The closed credit card payments were reduced from {$170.00} to {$70.00}. 
I feel that, again, Citibank is taking advantage of me! I never know my balance after each payment. If the Citi rep told me the arrangements were setup in XXXX XXXX, it seems past payments were not applied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Credit card () with TD BANK US HOLDING COMPANY (NY).
Issue: Delinquent account

Complaint: XXXX XXXX XXXX acct, td bank should be deleted as they were paid in full over XXXX years ago and XXXX years ago charged off acct was a fraud acct and XXXX acct/XXXX was never late as they were ordered to change due date to the XXXX they took XXXX months to do that as the payments were made before the XXXX and XXXX acct was paid and closed over XXXX years ago never late delete this acct

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/29/2017 about Debt collection (Payday loan) with Advance America, Cash Advance Centers, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: they keep on calling my friends telling that they are XXXX court and I have a case and even said they are the pollice officer giving a friend of mine case number.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Debt collection (Payday loan) with Admin Recovery, LLC (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My outstanding loan with XXXX XXXX was passed on to Admin Recover LLC. I received a letter about the debt and responded asking for verification of the amount owed ( which I believed to be incorrect ). Before my letter was received, XXXX XXXX from this place called me, called my friends and called my family leaving information that I am in trouble if I do n't call back. I do n't believe he should be calling all of those people. He left me XXXX voice mails before starting to call all of these people and discussing my " case ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I applied for an auto loan with XXXX. The denial letter I got stated some, " whole or in part '', the reasons on how they based their decision. The reporting agencies are TransUnion, XXXX, XXXX and XXXX. The first part of XXXX reasons for denial was " could n't identify or confirm my personal information. I filed a complaint with TransUnion on XXXX/XXXX/2016 stating that my information was not up to date and a collections account is not mine. Originally XXXX had stated that the dispute ( samer reasons plus identify fraud issues ) I had with them ( XXXX ) were resolved. ( results from XXXX= deleted from my credit ) and that they ( XXXX ) would contact TransUnion and XXXX to do the same. TransUnion and XXXX has not. Ive attached the email from XXXX, the dispute results from TransUnion ( nothing was done ) and the XXXX report as to why they denied me. I have filed complaints with all XXXX reporting companies. XXXX, XXXX, XXXX, and TransUnion. My last dispute was with TransUnion on XXXX/XXXX/2016 The results for that dispute were unsatisfactory. The account disputed was still listed and more importantly they have old personal information ; address, name and employment information that hasnt been updated from 10 years ago.

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 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: An inquiry dated XXXX XXXX, XXXX is reporting on my credit. I did not authorize anyone employed by XXXX XXXX XXXX to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c )  and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the address of the company which was return as an un-deliverable address. Did not receive a response or proper resolution. On my XXXX report the company name is XXXX XXXX XXXX, On my Expieran report the company name is XXXX, XXXX XXXX, XXXX XXXX 

Also, I 've called and sent XXXXx a certified letter to resolve my concern. The only thing I 've received were continuously refusal to rectify this error.

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 06-08-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: FACTS : withXX/XX/XXXX for 12 Years. <P/>Every Two Years Had to fight to keep my bill from Spreading like ....
I am extremely disappointed in the " 100 % Bill increase each and every two years, '' they try to get over on consumers. This is very bad business practices disclosed or not. <P/>Before my contract is up I have to tell XXXX, I am leaving in order to get back a closer rate. My contract was coming to an end back in XX/XX/XXXX I had called them several times before that date to try to get my bill under $ XXXX month. <P/>When I saw XXXX XXXX ad and I left forever. It was exactly what I was experiencing with XXXX. <P/>I Switched over to XXXX - ( No Contracts ) I was send to Convergent collections for Agreement/ Contract breech by XXXX . <P/>I requested the Tape Recordings from XXXX on the day that they claim I was locked in another 2 years. I called XXXX yesterday and was forwarded to collections. I gave my personal information to Convergent Including my SSN to stop this matter on XX/XX/XXXX. Convergent told me I was not in the system on XX/XX/XXXX. <P/>
The next day XX/XX/XXXX I started receiving calls from Convergent. I was told they are attempting to collect a debt. I told them do not call me ever again but rather put it in writing only. Additionally, I told them dispute the amount and that I wanted proof of the contract by tape recordings with XXXX. I 've asked XXXX on four separate times for the proof of contract extension. <P/>I filed a BBB complaint yesterday when this still went unresolved. New York BBB. Complaint # XXXX on XX/XX/XXXX I will sue in small claims court each party separately if this matter is not closed. <P/>I am documenting each step of the way as I build my case against XXXX and the Collection company if need be. Please let both companies know there potential liabilities. <P/>Respectfully Yours, 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 11/19/2015 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I recently decided to sign up for a credit monitoring service so I could check and monitor my credit. My family is looking to purchase a new home in the near future. Upon doing this I noticed some collections that are of big concern to me and I feel are in violation of my rights. ProCollect is stating that I owe them {$270.00} three times on my credit report from a company called XXXX XXXX XXXX XXXX. The account numbers are Procollect # XXXX, XXXX & XXXX. In addition, all XXXX dates reported are for XXXX 2015. I have never visited this company in order to get XXXX bills for the exact same amounts. I have written ProCollect starting XX/XX/XXXX and they have not validated that I have XXXX medical debts for the exact same amounts with the same company. I can not get anyone from Physicians Emergency care when I tried calling to verify I have XXXX bills owed for the same amounts. Since ProCollect has not verified the accounts after 2 attempts by mail. My belief then is that they are in violation of the Fair Debt Collections Practices Act and the Texas Finance Code for placing multiple collections on my bureau for the same thing. Due to this it is my belief that they should be removed ASAP from my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have explained to the Company that I did not open this Credit Card and was not mine. Explained to them that I had contractors, construction workers at my home at the time, but could give any names, as I am not for sure who opened this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2017 about Bank account or service ((CD) Certificate of deposit) with BBVA COMPASS FINANCIAL CORPORATION (CO).
Issue: Account opening, closing, or management

Complaint: WENT TO CASH IN A 12 MONTH CD AND WAS TOLD THE GRACE PERIOD HAD EXPIRED. I WAS STILL WITHIN 10 BUSINESS DAYS FROM THE MATURITY DATE BUT THEY CHARGED ME A {$120.00} PENALTY ANYWAY. I TRIED TO CASH IT IN ON XX/XX/XXXX BUT THEY WERE CLOSED WHEN I ARRIVED AND THEY WERE ALSO CLOSED ON XX/XX/XXXX SO I CASHED IT IN ON XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Payday loan () with Enova International, Inc. (ID).
Issue: Charged fees or interest I didn't expect

Complaint: Since XXXX 2015 I have paid {$620.00} in interest and {$230.00} in fees on a {$1000.00} loan. My balance two weeks ago was {$700.00} something and today it is over {$900.00}. My payments come directly out of my checking account. This is absurd. What can I do?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation