milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/27/2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Billing disputes

Complaint: I brought appliances from XXXX XXXX XXXX XXXX ... .and opened up a store credit card from them. They approved me and said I would get a card and Bill in the Mail. I never received the credit card but I received the bill around a week ago so I wrote a Check for {$350.00} and mailed it Certified. ( I want to pay the total bill off ASAP. ) So today I get a call from the bank that issued the card and they said I owed a payment. They had not received a payment. I told them they received the payment I had tracking and I asked to speak to their supervisor.I know they received the payment on XXXX/XXXX/16 because I was able to pull the Certified ( tracking ) information up from the Postal Website. I was not given a supervisor because these customer service agency was in XXXX.Annoyed now I told them I would file a complaint and I wanted my payment to be posted to by Bill ASAP. 
the Certified Mail # XXXX was received XXXX/XXXX/16 with a check for {$350.00}

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 10-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have like XXXX or XXXX credit cards on my credit report that when I applied the terms where unclear so I cut them up and never used them now they are trying to use up front fee 's as a balance that I owe even thou as soon as I received the cards I called them and canceled them and never used them for instance a XXXX card that when I received they had already charged the card XXXX for processing fees I canceled them as soon as I got them and read the terms now they are adding interest and making derogatory marks on my credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with RoundPoint Mortgage Servicing Corporation (GA).
Issue: Loan servicing, payments, escrow account

Complaint: We have a mortgage with Roundpoint Mortgage Servicing. Apparently the escrow balance changed which changed our monthly payment. Roundpoint has debited our XXXX checking account for the old amount, but will not apply this to our payment. They have not called, emailed or otherwise contacted me or my wife. Now they have added a " late payment '' fee and consider the account overdue and " in default. '' I have emailed them over 20 times on their site and they have not read or responded. 
I have called and left messages as per their instructions and nobody has called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have very little credit history, so when I try and request my credit report it wo n't let me because my address, current employment is not up to date and it has little credit history to validate as well. I just want to correct my address, and that I do not have an employer now, but I now receive XXXX as my monthly income now. I have also disputed quit a few open accounts on my report for various reasons and they are suppose to be investigating that but I have not heard anything.

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 08-11-2015 about Bank account or service (Checking account) with M&T BANK CORPORATION (DE).
Issue: Using a debit or ATM card

Complaint: M & T Bank allowed XXXX to charge my debit card in the amounts of XXXX on XXXX/XXXX/2015 ( XXXX late fee ) & XXXX on XX/XX/XXXX ( XXXX autopurchase ) I contacted the bank and advised these were unauthorized charges and disputed the charges. I was given a provisional credit for the charges only to have it reversed and M & T sending me a letter stating the charges were not in error. They also send me a invoice for a purchase my daughter had made on XXXX/XXXX/2015 for XXXX with her amozon account information and email address. Not my account nor did I made a purchase from amozon anytime this year. The book was purchased using my daughter account with amozon and other means as this was not a purchase with my debit card nor did I authorize the withdraws and still am disputing these charges. M & T Bank 's representatives stated many times because XXXX has my account information from a prior purchase they can withdrawn the funds from my account? How can they take money from my checking account and the bank allows this without my authorization just because they have my information. M & T sent me a invoice to show me the reason for the charges was a purchase on XXXX/XXXX/2015 using XXXX XXXX account at amozon in the amount of {$26.00} dated XXXX/XXXX/2015 and shipping slip for XXXX/XXXX/2015 and they reversed the credit for a book that my daughter must have bought with her debit card ( no charge on my account for a book on XX/XX/XXXX or XX/XX/XXXX for the initial rental. I do n't think because the company had my information they should take it out of my account because we have the same address and they assume I have a book? This is not my purchase. The bank should reverse the debit to my account from amozon and not allowed this to happen. I want my money taken from my account returned as they took it without authorization to do so just because they had my account information? That does not make it ok

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Second Complaint about lowering my FICO score drastically when Equifax, XXXX and XXXX   show all the same information and XXXX  and XXXX did not drop my scores by 57 and 58 points respectively on the first ( XX/XX/XXXX ) and second report ( XX/XX/XXXX ). 

They are doing NOTHING about this, will not discuss it with me and this is the second time in two weeks they have dropped my score 56-57 points for no reason. 

This is very harmful for my credit rating and the fact that since XX/XX/XXXX, I have worked diligently to pay off all my credit and reestablish myself with excellent credit and reports. 

I was one of the breached with Equifax and keep a close eye on what it going on on their site and this is totally unfair and they should have to answer to YOU and ME.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This account was removed from all XXXX reporting agencies by your agency help me in the pass. and every year its put on my credit report every year and it has been removed 3 times

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Debt collection (Credit card) with Convergent Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Convergent Outsourcing Inc Is contacting me by mail to collect a debt I do not owe as I am a victim of Identity theft. This is not my account.

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 05/31/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (TX).
Issue: Trouble during payment process

Complaint: I reached o ut to CitiMortgage o n  XXXX / XXXX /   17  to make a bi-weekly payment on my mortgage and to stop the automatic draft that was to come out. This was initiated due to there being  a 50k pl us hold on my checking account. I did this for the next several weeks up until  XXXX / XXXX /   17  when the hold on my checking account was finally removed . CitiMortgage never did st op the payments from being drafted per my request when I made them over the phone for the next several weeks. I acquired numerous fees, some of which have been removed. I sent correspondenc e to CitiMortgage regarding  payments missing from the account on  XXXX / XXXX /   17  and sent them proof of them, but I have yet to have had it resolved. When I corresponded with people on the phone, they could not even match up the payment history that I printed from there website with what they were using. To make matters worse, I received a letter from them on  XXXX / XXXX /   17  saying they were removing me from the equity builder that I had been in  since the 90s per my request. I had not requested this since the lien had been removed from the checking  account. They would not do it when I had asked to stop the payments. I am not yet trying to be put back in the program and am making payments over the phone. I still have yet to have all of my payments credited to the account and no one has addressed the concern faxed to them on  XXXX / XXXX / 17 .

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 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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: Company failed to send verification documentation bearing my signature a requested to prove that I actually owed or ever owned this account and just sent letters stating that they verified the information. The information was also once showing it was removed from my credit reports only to be later paced on there again at a later date.

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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am writing to dispute an inquire fraudulently pulled in my name. I am a victim of identity theft and did not authorize this inquire .I am not responsible for any charges made to this account if any if open. 
Please delete this inquire immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent request that provide proof I applied for this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2017 about Payday loan () with Tribal Lending Enterprise, Inc. (MI).
Issue: Charged fees or interest I didn't expect

Complaint: CONSUMER LOAN AND ARBITRATION AGREEMENT Lender : Golden Valley Lending , Inc . 
XXXX, XXXX, CA XXXX Phone Number : XXXX Fax Number : XXXX Consumer : XXXX XXXX, MI XXXX Loan Type : Installment Loan Number : XXXX TRUTH IN LENDING DISCLOSURE ANNUAL PERCENTAGE RATE FINANCE CHARGE AMOUNT FINANCED TOTAL PAYMENTS The cost of your credit as a yearly rate. 
The dollar amount the credit will cost you. 
The amount of credit provided to you or on your behalf. 
The amount you will have paid after you have made all payments as scheduled. 
760.6361 % {$1500.00} {$500.00} {$2000.00} Amount of Payments When Payments Are Due XXXX {$170.00} XX/XX/2017 XXXX {$160.00} XX/XX/2017 XXXX {$160.00} XX/XX/2017 XXXX {$150.00} XX/XX/2017 XXXX {$140.00} XX/XX/2017 XXXX {$130.00} XX/XX/2017 XXXX {$130.00} XX/XX/2017 XXXX {$120.00} XX/XX/2017 XXXX {$110.00} XX/XX/2017 XXXX {$100.00} XX/XX/2017 XXXX {$100.00} XX/XX/2017 XXXX {$92.00} XX/XX/2017 XXXX {$85.00} XX/XX/2017 XXXX {$77.00} XX/XX/2017 XXXX {$70.00} XX/XX/2017 XXXX {$62.00} XX/XX/2017 XXXX {$55.00} XX/XX/2017 XXXX {$47.00} XX/XX/2017 XXXX {$40.00} XX/XX/2017 XXXX {$32.00} XX/XX/2017

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 10/29/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I made an XXXX appointment with the XXXX XXXX XXXX in XXXX on XX/XX/XXXX, and XXXX XXXX XXXX refused to do the ear cleaning and referred me to an XXXX, although it was not urgent, and she should have been able to XXXX. I did not go to the XXXX, as I knew it would be more expensive, and so I used up XXXX sets ( XXXX ) of the remaining XXXX sets of XXXX that I had left over that I had purchased in XX/XX/XXXX. The XXXX sets cost about {$100.00} and are no longer available. XXXX failed to tell me in advance that I would be charged if she refused to do the ear cleaning. She did not give me a bill and failed to tell me that I would be charged when she refused to do the ear cleaning that I specifically made the appointment for. I later received a bill dated XX/XX/XXXX, for {$76.00}, after Medicare paid the first {$12.00}. As there was no way to call XXXX, I called the XXXX customer service, and I was told that a supervisor would call me, but no one did call. After I received the 2nd bill, I called again, and they had no record of my having called the first time, and again I was told that a supervisor would call me, but no one did. After I received the 3rd bill, I went in to talk to XXXX and her coworker, and she seemed to agree that I should not have to pay, but she could not reverse the bill, so she emailed her supervisor who was supposed to call me but did not. Several weeks later, I received a letter from XXXX XXXX XXXX from the XXXX XXXX XXXX office in Rhode Island. As she does not take calls after XXXX California time, and I do not get up that early, I left XXXX phone messages for her requesting an email address so that I could explain in writing why I do not owe XXXX anything, but she never responded.So on XX/XX/XXXX, I mailed her a XXXX page written letter. The next day, I received a bill from XXXX 's collection agency, Transworld Systems Inc. in XXXX, PA. I called the same day and left a message explaining that I do not owe XXXX anything, and now they have sent a second bill. On XXXX XXXX, XXXX XXXX illegally called me at XXXX and left a phone message. I left a phone message for her that she needs to stop billing me for the fraudulent charge. Medicare defines Insurance Fraud as " One form of insurance fraud is when a provider bills medicare for services you never got ''. As a result of my bad experience with XXXX, I will never use a XXXX XXXX XXXX, and I will never shop at XXXX again.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Credit reporting () with Experian Information Solutions Inc. (SD).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: On XXXX XXXX, I went to XXXX to view free credit reports I am entitled to received XXXX time ( per CRA ) per year. I successfully viewed my XXXX and Experian reports. I also selected the purchase option to get my credit score from both of these CRA 's. My Transunion experience was fine : simple, transparent and provided me with what I wanted/expected. I paid the one-time fee and received my score. 

My Experian experience was not fine. Although I have worked in the XXXX for over 20 years, I did not notice Experian 's " fine print '' that by getting my score for {$4.00}, I was also enrolling in a program that was free for the first month and then I would be charged {$19.00} per month after that. Today, I realized I had a {$19.00} charge on my credit card ( posted XXXX ) for Experian 's monthly {$19.00} fee for whatever " service '' I apparently enrolled in. 

In my line of work, I follow the CFPB closely. I know that credit reporting has been a big area of focus and produces a high number of consumer complaints ( some fair and some unfair I 'm sure ). 

When I called Experian to ask about the {$19.00} charge on my credit card, and to bring forward my concerns about the " automatic '' enrollment in some " service, '' the representative was professional and helpful. He immediately canceled my membership but would not refund the {$19.00} fee that had already been charged to my credit card - essentially saying it was a " legitimate charge. '' I 'll admit, I may have missed reading some disclaimer or fine print when I thought I was just getting my Experian score for a one-time fee of {$4.00} on XXXX. 

However, if I 've made this mistake, I am very confident many, many others have also made the same mistake and 1 ) have n't noticed the credit card charges yet and/or 2 ) do n't know what to do about it. That is why I 'm writing to you today. I made it clear to the Experian representative that I talked to that I was going to contact the CFPB because the " automatic enrollment '' as a " revenue generator '' for Experian was not, in my opinion, an appropriate or " consumer friendly '' way to generate revenue in today 's highly regulated environment. 

For the record, I have no personal or professional connections with anyone at Experian or XXXX - not currently and not at anytime in the past.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/17/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (WA).
Issue: Shopping for a loan or lease

Complaint: 0n XX/XX/2016 I applied for a XXXX dollar debt consolidation loan through XXXX. I was then directed to one main financial where it said I was prequalified for that loan. after I filled out my information I was approved for a secured XXXX car loan. I did not apply nor do I need a car loan. this is deceptive and did not apply for a car loan. I called one main credit disputes and was told I could not have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Mortgage (FHA mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (IL).
Issue: Application, originator, mortgage broker

Complaint: Hello, My Name is XXXX XXXX and I am a home owner with a mortgage through HSBC. I have never missed a payment on my mortgage and was late XXXX due to a mistake. I am in dire straits. I am having to XXXX XXXX to pay XXXX, and things are getting tight, I have been trying to get my mortgage refinanced at as low a rate as possible with no PMI since XXXX 2014. I have lost XXXX. Your assistance would be appreciated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My student loans on my credit report are not reporting accurate payment details or information. The pay history is not accurate or complete. The account details are not reporting in chronological order or in a timely fashion. I would like the pay history update or deleted if not correct

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CITIBANK, N.A. (PA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint: I am a victim of identity theft. I received a letter in the  US  mail fro m Macy  's on  XXXX   XXXX ,  2017. Th e letter advised that my recent request to obtain credit had been denied. The letter was addressed to me under my maiden name. I immediately contacte d Macy 's Cust omer Service to advise I did not authorize the request for this credit. I requested a copy of the application details to be mailed to me. I was advised I needed to contact the New Accounts Department which was open M-F  XXXX  -  XXXX  at  XXXX . On Monday  X/XX/17   , I contacted  Macy 's N ew Account Department, I was informed I needed to contact an alternate department at  XXXX . At  XXXX , I spoke with  XXXX  who advised the request for credit was not processed because I have a security freeze on my credit file. I requested a copy of the application,  XXXX  confirmed with her supervisor it would be mailed within  7-14  business days. I sent a written letter following up to my request for records and mailed it certified mail, tracking #  XXXX   XXXX   XXXX   XXXX   XXXX  whic h Macy 's r eceived on  X/XX/17   . Since I received no response from  Macys,  I sent a second letter to request a copy of the application on  X/X/17   , tracking #  XXXX   XXXX   XXXX   XXXX   XXXX , which  Macy 's rec eived on  X/XX/17   . Both mailings included copies of my FTC Identity Theft Complaint and the face sheet referencing the Police Report I filed relating to my identity theft. As of today,  X/XX/17   , I have not received a written response from  Macy 's regarding the application details. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am entitled to the business records relating to the fraudulent request for credit. The law directs these documents are provided to victims of identity theft at no charge, and without requiring a subpoena, within thirty ( 30 ) days of my written request. I am filing to complaint due to Macy 's not responding to my request.

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 12/15/2017 about Credit card or prepaid card (Gift card) with U.S. BANCORP (AZ).
Issue: Unexpected or other fees

Complaint: got gift card from friend. Used it today at XXXX XXXX.  meal with tip came to {$8.00}. 

Verified charge correct with XXXX XXXX in amount of {$8.00}. 

Contacted uS BANK and they said their XXXX card adds 20 % to any charge at restaurants. regardless. NON of their packaging states this ANY where. 

This is a deceptive practice and a form of fraud. Regardless of the fact that they will correct the dispute AFTER 8 WORKING DAYS. WHAT A RIPOFF. 

WHAT A XXXX RIPOFF!!!!!!!!! 

I HAVE CONTACTED ALL MY FRIENDS AND ASSOCIATES OF THIS DECEPTIVE PRACTICE, AND ADVISED TO NO LONGER USE ANY VISA GIFT CARD FOR ANY PURPOSE.

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