milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Bankruptcy listed on my credit reports. The bankruptcy was dismissed due to improper management by XXXX. The case did not go to confirmation trial.

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 02/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with PNC Bank N.A. (IL).
Issue: Settlement process and costs

Complaint: I have a mortgage with PNC bank. I also have the property in land trust. Land trust was opened at the same time the mortgage account was opened with the bank 's agreement. I 'm trying to refinance the mortgage, and everything has been approved. I have to remove the property from the trust before I can refinance. I need PNC bank to sign direction to convey as Collateral Assignee to be able to remove the property form the trust ( this is a standard procedure ). PNC is refusing to do it. It 's been 3 weeks already trying to explain to them why this is needed. I have explained, my mortgage processor, the title company representative and nothing has worked. I was told by the bank that they are wasting their time with me for nothing, because i 'm trying to leave their bank. They are holding me a hostage to their service. I ca n't leave them, because they are not letting me. I need help, please. I 'm talking to one person at the escalation team and it seems like he has no idea what I 'm talking about, he is just a middle man that pushes cases and has no idea how to explain it to the proper people.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with CORELOGIC INC (OK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. Two letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings.

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 02-02-2017 about Credit reporting () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Both XXXX and XXXX have several inaccuracies in their reports -- they are either still showing accounts that have been fully paid off or accounts that have considerably lower balances that what is reflected in their reports. The accounts that I am disputing are : Bank of America XXXX XXXX XXXX XXXX XXXX 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 02-05-2017 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: APR or interest rate

Complaint: I recieved promotional checks from Chase XXXX to transfer balance at no interest until XXXX 2018. I used the check for approx XXXX. I recieved my first statement with purchases of XXXX plus the new promotional balance. I paid XXXX to cover the 3 % interest of the check and the bal of the purchases expecting the bal of that payment after applied to purchases to be applied to the promotional bal. To my surprise on the next statement I was billed interest of XXXX. Now it 's not the XXXX I am concerned of, but the princible of the interest charge itself on the purchases which I did cover. I called Chase and was told that I was charged interest because I did not pay off the entire balance of the purchases with the promotional balance. So in essence even though I paid off the complete balance of purchases with additional incuded to cover a portion of the promotional balance plus the initial interest fee of 3 % for the promotional check, they are still charging interest. As I understand and how I have expierenced this with other CC companies, if I pay my full purchase balance of that month, there should be no interest and the difference is always applied to the promotional balance. XXXX CC as example. I have a promtional balce running with them currently I feel this is fraud as the promotion advised no intererst, but then they are expecting you to pay the full balance at the month end regardless if it covers previous months purchases, otherwise pay interest on the purchases amount regardless if you pay enough to cover that amount. Totally mis leading and in my opinion FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Late fee

Complaint: I was charged a late fee on my account even though I have automatic payments on, and to pay when statement is received, and a payment is on the statement with the late fee. 
The charge has been reversed, but I would suspect that this would happen to many consumers at the company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit card () with TIDEWATER FINANCE COMPANY, INC. (TX).
Issue: Billing statement

Complaint: Tidewater finance has been reporting inaccurate credit information on my credit report and I have disputed their reporting several times only to get nothing resolved. This company continues to violate law and sabotage my credit reporting causing me unfair credit denials because of their updates it appears that I have a current derogatory account which is false. It is federal law that any interest charged on an account is required to send out a monthly statements and they repeatedly change the account owed on my credit and do not send out any statements.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my mortgage with XXXX approximately XX/XX/XXXX, account # XXXX. There has always been a 15 day grace period with no extra charges incurred if paid within that time frame with this and every mortgage I 've ever had ( since XX/XX/XXXX ) including XXXX. On XX/XX/XXXX XXXX passed the servicing of this loan to Nationstar, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX account # XXXX. To date, they 've failed to pay my Property Tax on time, and now they 've informed me they will now be charging me a {$9.00} " Processing fee '' if I fail to pay by the XXXX of the month. I spoke with " XXXX '' from the account escalation team. She was adamant that this was not a " Late '' fee, but rather a " Processing fee ''? Curious. If that was so, this fee would always be charged regardless of the date so long as it was in the 15 day grace period, no? XXXX explained that most mortgage Servicers are banks, but Nationstar is not and thus uses XXXX XXXX for mortgage payments, thus they charge this 'fee '. This company, through it 's business model, is disguising this fee as a " Processing fee '' when the reality is it is a 'Penalty Fee ' or 'pre-late fee ' for not getting it to them a week earlier than the XXXX. This changes the conditions of my loan by accelerating the late payment date from the XXXX to the XXXX of the month. I do not agree with this action and it was clearly NOT part of the Loan agreement I entered into with XXXX. If this company wants to participate in the servicing of mortgages it must play by the same rules as everyone else or I should be able to op-out of XXXX 's transferring the servicing to them.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Debt collection (Other debt) with Credit Protection Association, L.P. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: A collection account just appeared on my credit file, this is unknown and NOT mine. I called this company, gave them my full name and last four of my social and my personal information isn't even in their system. How can this happen. This needs to be removed ASAP

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 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Steward Financial Services LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I contacted the company concerning inaccurate information reporting to the credit bureaus. They provided me with all payments that were made on my account and when I called them wanting to know why are they reporting payments being late per the documents that were provided by there company. I was advised they were not changing the information. Im discussed with the way this company is treating there clients.

Company response to consumer: Untimely response
Consumer complaint received 12/19/2015 about Debt collection (Medical) with Arcadia Holdings, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Dear Sir or Madam, I received a collection later from XXXX XXXX XXXX XXXX on XXXX/XXXX/2015. 
I responded back to XXXX XXXX XXXX XXXX on XXXX by registered mail ( delivery proof attached ). I explained that the accounts listed are already paid in full as agreed and attached copy of checks paid to XXXX XXXX clearly mentioning the billing account number and final payments. 
XXXX XXXX XXXX XXXX. never responded back to debt verification request. 

I checked my credit report on XXXX and found that XXXX XXXX XXXX XXXX has reported XXXX accounts in collection. I reached out to all three credit agencies multiple times with all payment documents but still see these derogatory listings on my credit report. Every time, I sent the communication to credit agencies XXXX XXXX, XXXX, XXXX XXXX they responded back with 'debt verified ' response. 

I look forward to getting the justice in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Billing disputes

Complaint: I bought XXXX airline tickets using credit card .but after three days get emergency ca n't fly on the dates .so I call credit card and did disputes. 
After few days they send me letter in mail explain to me about dispute. 
That 's was give me XXXX credits for XXXX airplanes tickets and they will process the dispute. 
I call that credit card to let them known l do n't want to loss that money if you ca n't getting the money so I could Chang that date for the tickets with airline but credit card company told me it 's no proces and we credit your account and that 's finally, l said that letter do n't say she said discard that letter. Month later get changed on my statement for that XXXX tickets and send me a letter telling me we ca n't get your money back. So I call the credit card but their answer was we are very sorry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/23/2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (DC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This is an original account fro m Chase en ding in  XXXX .   The debtor,  XXXX   XXXX , is in  a skilled    XXXX   XXXX   receiving  XXXX  and thus is not able to make payments or pay the debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Advertising and marketing

Complaint: Chase card advertised sign up bonus of flyer miles/points. I qualified and the online account shows the rewards as 'earned '. My airline flyer account and airline customer service say the points have not been credited. I have been desperately calling/emailing both Chase and the airline to resolve this issue for more than a month to no effect.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: While attempting to finance my education at XXXX Schools I was told I would need a co-signer. I asked a friend to co-sign my private education loan. My friend agreed, when finalizing the financing I was informed the student loan would need to be in my co-signer 's name and not mine. I was assured that as soon as I finished the schooling, I would be able to transfer the student loan into my name. After completing the program, the financial institution refused to transfer to my name.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On  XXXX / XXXX / XXXX , The bank withdrew funds from a savings account account owned by my husband and I. The withdrawal, which totaled  XXXX , took a total  XXXX  from our account and made the account negative in the amount of  XXXX .     This withdrawal stems from an event where my husbands brother, who is on   XXXX   XXXX   due to   XXXX   XXXX  , deposited a check for another person, into my brother-in-law 's checking account for  XXXX  on  XXXX / XXXX / XXXX  and then withdrew those funds a few days later, after the check cleared and paid the funds to the person who he thought was legally entitled to the funds.     The bank subsequently debited my brother-in-laws account for the funds paid out because they claimed the check appeared to be forged.     When contacted about the debit placed on my husband and my account, the bank stated that they did so due to my husband being an additional signatory on his brother 's account.     My husband 's only dealing with his brother 's account was to deposit funds to the account after cashing his brother 's  XXXX  check and paying his brother 's bills. My husband told the bank representative that opened his brother 's account, that his association was to be limited to only adding funds to the account.     The check that was deposited into my brother in-law 's account was issued by  XXXX   XXXX  and made payable to an individual and a law firm. The back of the check is signed by someone that appears to   be one of the payees and my brother in-law, there is no endorsement by the law firm.
It is quite obvious that the bank failed to properly process the check that was deposited into my brother in-law 's account, making it a   third party check that was not properly endorsed. No funds should have ever been paid out, especially on a check that large.

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 06/25/2015 about Credit card () with WELLS FARGO & COMPANY (DC).
Issue: APR or interest rate

Complaint: I 've been trying to get my APR correctly reflected to the 6 % as required by law underneath SCRA and the company is refusing to adjust after, numerous email, calls and letters.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Payday loan, title loan, or personal loan (Installment loan) with CITIZENS FINANCIAL GROUP, INC. (IA).
Issue: Problem with the payoff process at the end of the loan

Complaint: I bought a new XXXX with XXXX through Citizens One Personal Loans back in XXXX XXXX. The phone was returned to XXXX on XXXX XXXX, XXXX do to a defect. XXXX informed me that they would take the phone back for a full refund and I purchased another phone and a new loan started XXXX XXXX, XXXX with my brand new phone. <P/>Citizen One sent me a letter stating my account # XXXX was closed and would be credited back to my credit card within 5-7 business days. After this time I called and spoke to a representative that told me the claim was not processed and she was not sure why. She transferred me to her Supervisor XXXX which told me he would rush the claim and it would be credited back to me no later thanXX/XX/XXXX. Today is XX/XX/XXXX and the credit has still not been issued. <P/>I 'm done fighting with them, I have records that state I would have my money back 5-7 business days from XXXX XXXX, XXXX. It 's now XXXX XXXX. Way past the date the credit should have been issued.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2018 about Debt collection (Medical debt) with Qualey Law Group, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX XXXX has yet to refund me for the debt that I have paid me. XXXX XXXX from XXXX XXXX talks crazy and does not return any answers to the debt. I had an attorney by XXXX XXXX XXXX in which could not get documents for months and had the run around game by XXXX XXXX. I have text messages from my attorney stating the issues with XXXX XXXX XXXX XXXX. 
Now XXXX XXXX XXXX XXXX has hired or By XXXX XXXX XXXX to Qualey Law Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX In which nothing has been done and 2 US Registered Letters have gone out to XXXX XXXX XXXX in regards to the court documents XXXX copy that the money is paid. As to that XXXX XXXX did not give the correct credit as stated by XXXX XXXX XXXX XXXX shows as a credit. 
There has been since XX/XX/XXXX this bill has been paid it is now XX/XX/XXXX and I still show active on this Garnsihment and money is owed to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX. It has been well over a year XXXX and there is still an inaccurate account by the name of XXXX XXXX XXXX along with several errored inquiries looming and are in the attachments section. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Asked to lower payment what they said it was going to be was double they said XXXX. They are charging me XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My student loan lender is not applying my payment to the loan but only applying it to the interest.     Originally, my student loan was with  XXXX   XXXX  and now it is with Navient. The original problem was while I was in school they would immediately start to ask for payment during breaks and add interest even though I was in school. They never removed the erroneous interest. But now the issue is that none of my payments are being applied to the loan and are only going to interest. That means I will never be able to pay off this loan. When I contacted Navient, they said something about daily compound interest and that I should pay more than the note and that would be applied. That seems illegal to me.     I am finally back at a point in my life were I actually have a steady job and can make payments. When I was unemployed and broke there was no help anywhere. I tried to get a loan modification and was denied. While the loan was on deferment  XXXX   XXXX /Navient would constantly drop it out of deferment and place it on forbearance so they could add interest. And they would not remove the interest they added again erroneously. I now know all this is predatory lending. These so called clerical errors are n't errors at all but a way to steal from the customers.      XXXX  's education did not help me at all. All it did was put me in debt that is impossible to pay. I work in an industry totally different from these loans that I owe.     I am a  XXXX   XXXX   XXXX  Veteran and feel like my country has abandon me. Can you please help me with this?

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX and Equifax is showing XXXX XXXX on my Credit report.. I have never had an account with XXXXXXXX XXXX and the credit bearues refuse to remove them

Company response to consumer: Closed with non-monetary relief