milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/21/2017 about Credit card or prepaid card (Government benefit card) with Comerica (KY).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: On  XXXX   XXXX ,2017 I noticed an unarthorized transaction was charged to my account for {$300.00} I immediately called direct express to make them aware and find out how did something like this happen the lady looked into the account and seen it was clearly compromised as the undocumented company tried to also take another {$490.00} out as well she canceled my card told me they would investigate and cure the issue I ca n't remember if she told me the investigation process but I know I received a letter about my dispute saying it could tak e 45 to 90 b usiness day 's however in my case I didnt believe it would take that long 45 days came and they put the money back on my account only to snatch it back off I noticed when I went to pay an already overdue bill I figured it was a mistake as I called thinking it could be simply fixed I was then informed that it was a provision credit that was put on there that could be snatched back off with no explanation I was in disbelief as I cried like a baby on how was I going to feed my kid 's and pay my bills the lady who was very rude told me to call local food bank 's which insulted me for the life of me I ca n't understand why must I be made to suffer longer for something that can easily be seen as a hack this card company is horrible and has horrible ratings from the   BBB    with so many customers who experience the same issue 's I just want my money back and to close my account as I  feel un eased violated and I no longer trust them with my finances ple ase help

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Today I received letter from this company informing that they had received a inquiry from me concerning an account that I owed them. I made no such inquiry and I do not know them

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I bought my wife a ring and put it on a credit card with TD Bank was making payment and also put it on auto payment on the website. 

2 months later supposedly I miss a {$15.00} payment Im trying to buy a house for my family and this happens.. TD Bank didnt not want to work with me at all. 

This needs to be off my credit and I already paid off that credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/20/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SUNTRUST BANKS, INC. (DC).
Issue: Application, originator, mortgage broker

Complaint: I received a quote for a  10/1  ARM in the amount of {$700000.00} at a rate of 3.325 %. A rate lock agreement with this rate was signed. A few days later, I received an email stating the rate would no longer be honored and it was being increased to 3.475 %. The bank stated they had not done their due diligence in determining which types of loan rates I would be eligible for. I had selected the bank for its low rates and the rate should have been honored instead of providing a bait-and-switch once I completed an application and signed a rate lock agreement. No one should be subjected to this type of predatory lending.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NJ).
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 payed my balance off in full. I called the company to confirm this. They told me it was paid off in full. I was not aware that they claiming that they received the payment late in spite of sending the payment on time. I was travelling and out of the country so I was unaware that there was a {$25.00} dollar fee that has destroyed my credit scoer. So in spite of having paid the balance in full and confirming it. I was charged a late fee and was unaware.

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 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My loan was paid off by another lender to Wells Fargo and they are still listing this debt as charged off and closed. They agreed to reflect this debt as paid in full and remove any negative items but continued to show this debt negatively impacting 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 01-05-2017 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have disputed these issues so many times and still no outcome, first I am a man, my last name does n't change Experian has XXXX names on my credit file that are NOT mine which are XXXX XXXX XXXX and XXXX XXXX My name is XXXX XXXX XXXX, there are so many business inquires listed on my personal credit file. When I apply I use my XXXX so they should not be listed on my personal credit file. Experian has never once investigated my complaint. 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 explanation
Consumer complaint received 11/16/2016 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (LA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was forced into a loan situation using Peaks Loans instead of the XXXX loans i wanted to use while attending XXXX. I would like to get out of these loans but i can not get a loan to consolidate the payments at a lower rate than the 11 % i am being charged now. This company has alos reported that my loans were past due at times that they were n't and would randomly report that i was 90 days past due and then the next month state that i was current. This would bounce around like this for a while and i could not get anyone to discuss with me about the amounts and why they were the way they were.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Ca n't receive my credit report because of information on my credit report is not accurate I am a victim of I 'd theft which has been reported many years ago with the IRS and other government agency and still my information is being stoking for cars mortgages and loans that I never had or applied for ... I 've tried calling the police for a complaint and they we 're no help instead they blew me off what is my next step to fixing this issue?????

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 11/18/2015 about Credit card () with U.S. BANCORP (PR).
Issue: Closing/Cancelling account

Complaint: My credit card accounts with US Bank were all frozen and later closed, $ XXXX worth of reward points were confiscated with no notice. I have never paid late or broken any of their terms and conditions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Debt collection (Medical) with Merchants Credit Corporation (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I paid the bill ( I have a transacted check to prove this ) and they are still sending me letters. despite my sending them a copy of the check in question. they are assessing fees on the and interest on the bogus charges.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (Federal student loan debt) with COAST PROFESSIONAL INC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XX/XX/XXXX, Coast Professional llc sent my employer a US government wage garnishment order. I responded with a copy of my list of schedules in which they were included on XX/XX/XXXX. This company has instructed the payroll associate at my place of employment to mail the payments to the National payment center for the department of education, not XXXX XXXX. The Department of education has canceled my account and I was told that if I have any questions regarding my account to call XXXX XXXX. XX/XX/XXXX XXXX XXXX   was contacted by me per the Department of Education, who did not notify me that they were taking XXXX XXXXXXXX of my federal taxes, nor did they notify the IRS, and the Department of Treasury who told me that the Department of Education does not have to notify me yet I have proof of my discharged debts that have been forwarded to them and a letter from the Department of Education stating that no delinquent account could be found with my name or social security number. yet, there are no records of any of my money, my wages are being garnished by a collection agency that has been included within my bankruptcy and, neither the Department of Education of XXXX XXXX will give me any answers or answer inquiries about my money. The Department of Treasury has not investigated my social security number or the companies involved in my bankruptcy. I am not at fault for individuals incapable of doing their jobs or clerical errors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Mortgage (Conventional home mortgage) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On or about XX/XX/XXXXvia email I was offered a 3.2 % 7/1ARM on a 30 year XXXX loan, not believing it I asked for email verification that that was the correct rate, XXXX XXXX of Huntington bank assured me it was. At that point I ok 'd her to pull my credit report and move forward with the loan. After she told me that actually she had made a mistake and the rate was really 3.9 %. She then promised to remove the credit pull from my record ( all in email ). Having harmed my credit the next place I had pull my credit gave me a less desirable mortgage where her intentional and willfull bait and switch could and did do serious damage to my financial future. I also have no evidence that this is n't a common occurrence at Huntington or with this terrible loan officer in particular and would like it further investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There are certain items or accounts on my credit report that should not be there. Some of them are over 7 years old. Thank you for your time and consideration to read this.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Arkansas State apparently initiated a tax lien against me for tax year XX/XX/XXXX. I was told by two government officials that since I filed my taxes from an Arkansas address inXX/XX/XXXX, they assumed I owed Arkansas tax for XX/XX/XXXX but I did n't live nor work in Arkansas in XX/XX/XXXX. I wrote the governor and got notice that the lien was released but it 's still on my credit report, making my score in the " poor '' range.
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I disputed it with one of the credit reporting agencies but they said it was being reported correctly so they could not remove it.
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I never owed the tax so the entry should be vacated, removed from my credit report.
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I contacted XXXX  County ( Arkansas ) and they said I had to contact the State. I contacted the State and they said they are not the ones to remove it. I have no idea how to get this removed.
<P/> XXXX County Court {$8200.00}. Filed XX/XX/XXXX, Released XX/XX/XXXX.
XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX.
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Bad enough they took 5 years to actually report it making it harder to document the issue. The IRS has my XXXX and can plainly see I did n't work in Arkansas. How does one prove one did NOT live somewhere? Like I can get a copy of my lease from ( now ) 10 years ago?
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I want to buy a house but it 's impossible with this incorrect tax lien on 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 07/26/2017 about Vehicle loan or lease (Loan) with Westlake Services, LLC (WI).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: On XXXX XXXX, 2017, I had an appointment with XXXX XXXX XXXX to fix my coolant system problem. Unfortunately, I found out my vehicle was impounded at a near by police station. I contacted XXXX XXXX XXXX to let them know about the situation and to retrieve the vehicle so that it can be fixed. On XXXX XXXX, 2017 XXXX XXXX XXXX  retrieve the vehicle from the impound and I was told that there would be a XXXX dollar towing fee to get the vehicle back. I advised XXXX  the sales manager that I would be down the weekend to pick the vehicle up. I arrived at XXXX XXXX XXXX XXXX XXXX, 2017 at XXXX XXXX thinking that they were just closing, but they closed at XXXX. I spoke with XXXX he said that he was thirty mins away on his way home. I again advised him that I would be back the following weekend. I called all threw out the week trying to see what time I can come and pick the vehicle up. I never got a hold of anyone receiving the run around. I made my car payment of about 300 dollars on XXXX XXXX, 2017. I contacted the bank west lake financial about my next payment and to see if they could find out what was going on about my vehicle. I was told that XXXX XXXX XXXX purchased the contract back on XXXX XXXX, 2017 with a ACH back from the bank and that my account with them was closed. XXXX XXXX XXXX advised the bank that there was never a contract on the vehicle. I was sent via text message to refinance the vehicle from sales manager in the amount of XXXX dollars. The bank also refunded my car payment to XXXX XXXX XXXX. This fraudulent experience I received was very unsatisfactory. Both the bank and XXXX XXXX XXXX were giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I received information from XXXX ( XXXX ) XXXX XXXX-Senior Case Manager ' stating that a violation had occurred with my mortgage. The " Deed of Trust '' and the 'Note '' had been separated by NationStar XXXX I was told by XXXX XXXX that a law firm by the name of XXXX XXXX XXXX ( XXXX ) could fix the issue for {$4000.00} and it would take four months to resolve. XXXX XXXX state that my rate would be lowered to 3 % and all late payments forgivened. I need to know ifthis is true or is this a scam!

Company response to consumer: Closed
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: unauthorize transaction of result of identity theft & fraud police report # XXXX & fraud police report # XXXX attached

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Hello, This complaint is about Re-Aged XXXX XXXX/XXXX account. 
I signed up for an XXXX XXXX store card sometime in XX/XX/XXXX. I bought a house and move in XX/XX/XXXX.  At this time, I called XXXX XXXX and asked them to update my address. However, I think the representative forgot to update the system or for some reason, XXXX XXXX kept sending bills to my previous address so I never received them. I rarely used my XXXX XXXX card so didn't realize I was missing a bill from XXXX XXXX. Instead of contacting me by any other method such as a phone call or an email about this unpaid bill, XXXX XXXX decided to close my account and reported this on my credit report. Initially, the Date of First Delinquency of this account was  XX/XX/XXXX  or XX/XX/XXXX, since at that time I missed my first payment. However, in my recent credit report, this date has been changed to XX/XX/XXXX. and XXXX XXXX keeps reporting it every few year. This is a malpractice under Section 623 ( 5 ) ( A ). 

I received a call from XXXX sometime in XX/XX/XXXX about this debt, and I agreed to pay it off if they would take it off my credit report. The agent agreed to it, so I paid the amount with an interest. However, instead of removing this account from my credit report, XXXX XXXX re-aged the debt and keeps reporting it on my credit report every few years. The original debt/bill was only for {$48.00} dollars. I paid over {$58.00} with an interest.

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 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NE).
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 reports an incorrect debt collection to the Credit Reporting Agencies (CRAs) with an open date ofXX/XX/XXXX. This is an invalid debt collection, and an invalid date, and it needs to be removed from my credit reports immediately.I have tried to resolve this issue with XXXX XXXX multiple times via phone calls (XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX), emails (XX/XX/XXXX and XX/XX/XXXX), and written letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX). XXXX XXXX continuing to report this inaccurate debt collection has directly led to me being denied for credit cards (XX/XX/XXXX), auto loans (XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX), and has increased car insurance quotes XX/XX/XXXX).XXXX XXXX claims that I was refunded $XXXX on XX/XX/XXXX and another $XXXX on XX/XX/XXXX. I refuted this claim by sending XXXX XXXX my XXXX and XXXX bank account statements proving that 1) there was a $XXXX  withdraw from XXXX XXXX and 2) I never received the $XXXX in return to my bank account on or around XX/XX/XXXX or XX/XX/XXXX. In addition, XXXX XXXX XXXX claims that I received receipts for two separate $XXXX returns on XX/XX/XXXX. I again supplied XXXX XXXX XXXX with my XXXX bank account statement proving once again that I never received these returns on or aroundXX/XX/XXXX.Lastly, XXXX XXXX XXXX also inaccurately reports the date this inaccurate collection. They claim a date of XX/XX/XXXX. The last instance I was even at XXXX XXXX was XX/XX/XXXX. That is 13 months earlier than the date they are reporting to the CRAs.In addition, I have tried resolving this with XXXX, Experian, and XXXX. I have sent all three CRAs my bank statements clearly proving that this XXXX XXXX debt collection is completely inaccurate and needs to be removed IMMEDIATELY from all of my credit reports.Attached you will find screenshots of my bank statements proving that I absolutely paid the $XXXX and a definitely NEVER received a $XXXX. XXXX XXXX's debt collection needs to be removed from my Credit Reports immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax is reporting XXXX collections and showing the creditor or debt collector as " Unknown ''. If it is unknown then how can they possibly be reporting this? How is this accurate, verifiable information? My research on the Fair Credit Reporting Act shows that this is illegal in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I asked for my yearly credit reports from XXXX XXXX XXXX, XXXX Equifax online. I never received any of the reports. I did this in XXXX and around XXXX I checked with all to see if my annual reports of hard copies had been sent to me. The hard copy reports had not been sent, but XXXX XXXX, and Equaifax stated they had been sent, but I never received them. XXXX would not even let me check to see a status unless I bought a XXXX look to see if it was there. I have till this day not received any of them, and I have a dispute I want to check with Equaifax, and they will not even let me see my report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I submitted a dispute on XX/XX/2017 with Transunion through XXXX XXXX. My dispute is over the validation/verification of my Bankruptcy. Since it has been over 30 days I want the Bankruptcy # XXXX removed because Transunion has not provided proof of validation of the Bankruptcy # 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