milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-07-2017 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: To whom this may concern, I am a victim of identity theft and I have previously reported this to Chexsystems, the FTC, Local Police, the CFPB, and others - however - despite multiple attempts to contact Chexsystems I have not gotten a response from Chexsystems and negative known to be false information continues to appear on my report. However, whats worse is that Chexsystems has failed to following the rights, as explained on Chexsystems ' own website here : XXXX Specifically, at least the following violations have occurred : 1. ) Chexsystems has not initiated an investigation into my disputes and continues to request unnecessary information as an excuse for not investigating. 2. ) Chexsystems has not provided me with a copy of my credit file in or provided me with a response to a dispute within the allotted time. 3. ) Chexsystems has not included my " brief statement '' on file, meaning I am being denied my rights to dispute information that Chexsystems has failed to remove or properly investigate. 4. ) Chexsystems has not resend my file to financial institutions who previously obtained a consumer file with disputed and known to be false information. 5. ) More generally, Chexsystems has given me the " run around '' and has refused to assist in the understanding, disputing, or management of their consumer files. Given this situation, I am requesting Chexsystems promptly remove all previously disputed information and send a response via registered or tracked mail to XXXX XXXX XXXX, XXXX XXXX, California, XXXX, USA. I have experienced missing mail, which is also in my previous complaints to Chexsystems and thereby believe this requires the use of tracked or registered post to avoid the sensitive information from getting stolen and to confirm delivery. Should you have any questions or concerns, please contact me at XXXXXXXXXXXX or via mail to the address above.

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 03/25/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I settled a debt with XXXX XXXX XXXX XXXX XXXX and filed a complaint with CFPB because they had not updated all three credit bureaus. At the time Experian showed the debt as settled and the other XXXX bureaus did not. After XXXX XXXX XXXX informed Experian, they updated the status of this debt to " legally paid in full for less than the full amount '' as requested, but now they note on my credit report every month a simple NEGATIVE for this debt that was settled in XXXX 2014. 

No specific reason is given for the recurring NEGATIVE on this debt. I wonder if this practice is in accordance with the FCRA, and if this continual NEGATIVE mark is retaliatory and is harming my credit rating unfairly. 

I would like this account to show that it was settled nearly two years ago, and request that these continued NEGATIVE marks be removed from my Experian 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 non-monetary relief
Consumer complaint received 05/24/2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (WI).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a Santander checking account with their {$220.00} bonus offer  (  promotion code  XXXX  ). I met the direct deposit requirements and have not received my promotional bonus.

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 06/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was trying to get my credit report from transunion and it did n't let me print it on my computer. so when it turned to a different page I went back to try to print it but it said error and I was n't able to print my 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 08/27/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (NY).
Issue: Fraud or scam

Complaint: I came to warn you about a website hosted under XXXX XXXX XXXX. 

I provided a Western Union for XXXX USD under the name of XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He receives payments for services he does n't provide. I was a victim of fraud yesterday and my order was not successfully completed. Western Union acknowledged the cash pickup and I was left without my service. 

He has a XXXX account under investigation with the same name XXXX XXXX XXXXXXXXXXXX. He set in motion a western union payment yesterday through my email where he convinced me to pay and continues to request for more money for services he did not complete as early as XXXX XXXX XXXX XXXX XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I went to XXXX and I have a small federal loan that I can manage each month ( {$65.00} ) I also was duped into private loans and when I called XXXX XXXX they said " we have options do not stress go to school. '' I moved out of state had a hard time with jobs and filed chapter XXXX. My attorney was an idiot and kept dragging his feet and because of this I defaulted and he would n't file other paperwork for me. Someone please tell me how I will pay off XXXX on XXXX a year. This is n't a joke nor did this need to happen. Some people really need help and need this removed in bankruptcy.

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 EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I received a letter indicating that an account has been sent to collections.I expressed several times that i never received a credit card from these companies and before I take legal actions about this matter I would like for them to resolve this matter.I dont shop at these stores and im not interested in shopping at these stores.I just want my credit to be repaired XXXX XXXX XXXX XXXX XXXX ....

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I was a victim of identity theft, disputed my credit reports because of so many unidentified accounts. I have identified my accounts, and sent the identified account information and balances at the time to all three credit reporting companies. I have been attempting to correct my Transunion account because my whole credit report was completely erased. I have contacted Transunion by phone and mail to correct the issue with no response or rectification.

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 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am repeatedly having problem 's with XXXX, investigating and deleting this fraudulent address from my credit file. I have contacted XXXX several times requesting that they investigate a fraudulent P O Box address listed on my XXXX Credit file. I have called them and been given the run around. I have written disputes, and been advised that they could not honor my request. In addition some of the information that I am disputing in my XXXX  Credit report is attached to this address. This is not nor has it ever been my address.

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 09/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Synergetic Communication Inc (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: 4 times I have asked this company to not call my number. The person who owned my cell phone number before me has debts and it has n't been there number for years! At this time I am very angry

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which Capital One charged off {$3900.00} on XX/XX/XXXX and sold to a 3rd party collection agency I am requesting validation made pursuant to the Fair Debt Collection Practices Act that this company is representing that I owe money to them and threatening legal action is a violation of the Fair Debt Collection Practices Act. This contract was CANCELLED when they charged off my account on XX/XX/2017 and sold to a third party collection agency. You must request that all credit reporting agencies delete the entry. 

Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 )

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (KS).
Issue: Managing the loan or lease

Complaint: I had an existing loan with Ally Bank with a remaining balance. I traded the vehicle in and financed the new vehicle through a different bank. The balance with Ally Bank was cleared when I completed my trade in on XXXX/XXXX/2016. 
Ally Bank then took an automatic payment on XXXX/XXXX/2016 from my checking account on file with them, even though the remaining balance on the loan was XXXX with XXXX scheduled payments, per their website. 
When I called them, they stated I should have called them to cancel auto pay for my loan with a XXXX balance remaining. There is no option to unenroll from autopay on their website.

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 01-10-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Other

Complaint: Last Year I was XXXX shopping for my family on XXXX, I used XXXX different credit cards. I belive I started XX/XX/2015, I purchased a lot of products, I used my XXXX card, capital One and my XXXX XXXX card. When I got my first bill it said the date then XXXX *my product and amount of the charge.I assumed this was ebays billing method. I did n't think anything of it, I 've never shopped on line before. I had a dispute with a man named XXXX XXXX, so I contacted XXXX over it, and all of a sudden I began getting threats on my XXXX. From this man Very Nasty ... .I did n't know XXXX XXXX being sent my credit card charges from XXXX. So when I desupted, the charge against this man, XXXX locked down all my charges.And I did n't know until my tee shirt man called me and asked me to release his {$180.00} I owed him ... Than I continued to get threats from this man. Thats how I found out who paypal was. I did not have an account with them. So it became a big mess. XXXX then gave this man my real name, address, phone #, business address, and phone # there as well. He threatened to come to my home and it got really bad. I saved his emails, and emailed XXXX as well and saved them in my arcives.Need less to say my computer was hacked and they disappered. I do n't beilive this is legal, and I ca n't imagine them, giving my charges to another company, yet release my personal information..Thank you for your time

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-08-2016 about Credit card () with AMERICAN EXPRESS COMPANY (MD).
Issue: Late fee

Complaint: On XX/XX/XXXX I was charged {$39.00} for a " delinquency charge on {$490.00} '' and another {$39.00} for a " late fee for 45-day past due balance ''. Both of these fees were assessed on XXXX and both were for the same balance due. So really, they 're charging me a {$78.00} late fee. The amount of these charges were disclosed on the prior statement received and I was n't able to find any mention of a " delinquency charge '' in their online help system. When I spoke with their online chat agent I was told that I was 60 days past due and 45 days past due, even though the balance was from a single charge and their statements are released once a month.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Struggling to pay mortgage

Complaint: Dispute to  XXXX    The terms proposed by Ocwen/ XXXX  are unacceptable and do not reflect the current market. Per my original CFPB complaint  XXXX , they also do not align with the policies and procedures as setforth by Dodd-Frank Wall  Street  Reform and the Consumer Protection Act. This is absolutely ridiculous that  XXXX  would wait this long ( since   XXXXXXX   ) to give the same offer ( {$40000.00}  Cash  Contribution or {$80000.00} promissory note ) and we up the sale price by {$22000.00}. Our counter offer needs to be discussed ASAP as we have a ratified contract and a buyer that has been patiently waiting. Can you setup a conference call with Ocwen/ XXXX , preferably with someone who has the authority to approve our counter offer on the spot? Do you have any suggestions how we can escalate this matter? What are our other options? I ca n't see how foreclosure would give Ocwen and   XXXX   a better deal. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Bank account or service (Checking account) with E*TRADE BANK (VA).
Issue: Using a debit or ATM card

Complaint: I tried to use my debit card from Etrade at the US Postal Service. It was declined twice with the response to contact Etrade. When I called to inquiry. It turns out that Etrade limits purchases at the post office to less than {$100.00}. I can not purchase, with my money, at the postal service because Etrade will not let me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Previously under monthly {$5.00} in come based repayment plan with creditor for {$7000.00}. Loan debt. Account transfered to navient creditor.Now receiving bills saying i owe $ XXXX.asked for documenta to continue monthly plan with no response. Currently only ma ke XXXX $ an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Mortgage (Conventional fixed mortgage) with TD BANK US HOLDING COMPANY (CT).
Issue: Loan modification,collection,foreclosure

Complaint: Contacted at my place of employment, by TD Bank collections department after numerouse ( and documented ) requests to contact me on my cell and not my employer. Background : In XXXX of 2015, prior to the XXXX XXXX mortgage payments due, I contacted TD Bank requesting asssistance on my mortgages ( both XXXX & XXXX ). I have all the emails and have recorded all phone calls ( after disclosing I was recording ) in which it is clear I directed TD to call my cell. On XXXX/XXXX/15 I received an email, from a co-worker saying that an XXXX XXXX from TD was calling different departments at my employers trying to reach me. When I returned the call, TD told me that they had no other contact information for me. Again, I can support with emails and recorded phone calls, my contact information of my cell phone. I again asked TD not to contact me at my place of employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-10-2016 about Credit card () with CHARLES SCHWAB CORPORATION, THE (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I filled a claim with Charles Schawb bank regarding fraud on my bank account in XXXX. There are over XXXX worth of charges to XXXX on my account with I did not make or authorize. The claim has been denied and upon notification from the bank I was provided with a document from XXXX which shows all of the charges on my card. That document shows, that my card was manually entered on all transactions except one ( which the card was swiped ) There is a name on the room that is not mine and the signature is not mine. These are fraud charges and need your help in getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: My name is XXXX XXXX XXXX, I open a credit card with bank of america a while back. The term and condition of the credit card is zero interest for a certain period of time, ( I think it was 18 months no interest though the duration is not relevant in this discussion since this is about fraudulent charges by the bank ) as well as no annual fee. About a year ago, I was charged an annual fee by bank of america against the term and condition of their own credit card sign up, then afterward, when I have a balance of XXXX on my credit card account because I pay off all my balance. Bank of america automatically charge me an automatic payment of {$25.00} when I do not owe them any money ( which actually result in a negative balance in a credit card showing the bank basically steal my money ) and then they wrongfully charge me a non process able fee because they could not fraudulently steal my money with wrongful charges. These problem are still not resolved, but due to so many criminal and unlawful action on my credit card account by bank of america, the very company issued the credit card, I tried to close my account. Bank of america refused to let me closed my account at first, while continue placing fraudulent charges on my account. When I finally able to close my account with bank of america, they report a negative remark on my credit report for not paying them for a balance created by their fraudulent charges on my account which affect my credit score.

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 01-09-2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am a XXXX year old man trying to hold on to my home. I was two months behind when I contacted XXXX XXXX around XX/XX/XXXX at Nationstar bank trying to set up a payment plan. After about an hour or so being on the telephone we hammered out a payment plan : The agreement is as follows : XXXX payment for {$290.00} Confirmation # XXXX : XX/XX/XXXX payment for {$1000.00} Confirmation number XXXX, XX/XX/XXXX payment for {$1000.00} confirmation number XXXX. 
Prior to the confirmation of the payment arrangement by Nationstar I had to be qualified on on the telephone. Per Nationstar instructions a telephone call had to be made every two months to set up the automatic payments going forward. I contacted Nationstar who gave me a confusing answer about my payments, Nationstar said they were returning 3 payments back to me of {$1800.00}? According to the payment plan which I have kept, Nationstar should have received the aforementioned payments of {$290.00} and {$1000.00} which does not equal {$1800.00}, because I have never received a escrow analysis I have no idea what the lender is holding in my escrow account to be applied to my payments. 
Nationstar in my estimation is trying to take my home illegally, despite the fact that I made arrangements with them to pay back my loan, Nationstar is breaching our agreement, and I am to old and frail to fight back.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Other financial service (Credit repair) with John C. Heath, Attorney at Law, PLLC (IL).
Issue: Customer service/Customer relations

Complaint: On Saturday, I started receiving text messages out of the blue from XXXX. It says it 's from Lexington Law regarding a recent credit repair form I had submitted and to call XXXX. I have never sought out that company nor submitted any kind of credit repair form. I researched Lexington Law online and called the number given on their website -- different from the 800 number. The representative said if that was true, I would have seen a {$14.00} charge on my account, which I have not been charged. I have repeatedly received text messages from that number for days now, as well as multiple calls per day from the phone numbers XXXX and XXXX. The voicemail is a robot saying it 's someone from Lexington Law calling about my recent submission. Today, I tried to forward the text message to report as spam to XXXX. They said because it was a short code, I needed to text STOP. I got a reply back saying it will take 24 hours. I have auto-blocked the two phone numbers as well.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   XXXX   XXXX   XXXX   pulled my cred it three  times in  XXXX  of  2016 .     I did apply to refinance my truck loan in  XXXX     2016  but, I do not understand why my credit was pulled  three ti mes? For the same loan. I have disputed these with all  XXXX  credit agencies and wi thin 24  hours I am being told these are factual.     I have been told by the credit agencies that if the inquiries are all within 14 days, it will not adversely affect my   XXXX   score. The irony here is that  XXXX   XXXX  declined me for a credit line increase on my credit card because I had too many inquiries.       Transunion :  XXXX / XXXX /   2016,   XXXX / XXXX /   2016,   XXXX / XXXX /   2016,   XXXX / XXXX  /2016      XXXX   XXXX    XXXX / XXXX /   2016,   XXXX / XXXX /   2016,   XXXX / XXXX /   2016    XXXX   XXXX     XXXX / XXXX / 16 ,  XXXX / XXXX / 16 ,  XXXX / XXXX / 16

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