milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
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: To whom it  may  concern : I am disputing a late payment that was reported by  USAA Savings Bank  back in  XXXX -2016, Credit Card number :  XXXX  ( I believe the bill was for  XXXX  2016  ). The reason for the dispute is because I did not receive a bill at the time when my credit card was charged due to moving in  XXXX  2016  from  XXXX   XXXX   XXXX   XXXX , Texas  XXXX  to  XXXX   XXXX   XXXX   XXXX , Texas  XXXX .     Furthermore, when I finally received a bill forwarded from my old address in late  XXXX -2016, I immediately notifi ed USAA of my new address where I then paid bill in full. I then escalated matter with USAAs management team where they updated my new address in their database. While speaking to a USAA manager, I then asked if they contact their credit cardholders when a bill is late and she advised they do not call cardholders for late payments. The manager explained that it was my responsibility to notify USAA when I moved and I advised that I just had moved and was going to notify USAA but was busy  moving. Additionally, I told her that I did n't even know that I had a bill outstanding as the company that charged my card had my account number.     It is also important to note that prior to this late payment being reported by  USAA, my credit score was i n between  XXXX , which is a perfec t credit score rating t hat has taken my entire life to earn for being a responsible person who pays their bills on time. Since then, my score has substantially dropped by over  XXXX   XXXX  points due to USAA not notifying me of the past due bill.     Enclosed, please find a copy of my lease from when my lease was executed in  XX/XX/XXXX 2016. However, I did not move into my new address until late XX/XX/XXXX  Any further questions, please feel free to give me a call.     Yours truly,  XXXX   XXXX   XXXX   XXXX   XXXX  Email :  XXXX  XXXX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: VIOLATES HIPPA AND CRA

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 10-08-2016 about Bank account or service (Savings account) with MB FINANCIAL, INC. (IL).
Issue: Problems caused by my funds being low

Complaint: Family account was established XX/XX/XXXX for those family members who were not able to pay full prices for all future family reunions. So XX/XX/XXXX after the markets fell, and we could not go on family reunion trips regularly, I ask the bank what amount was need to keep account open. Myself being the treasurer of the family club fund left {$290.00} the amount I was told in the MB Financial Bank in XXXX XXXX IL. In between that time my sister XXXX XXXX whom was the name on the account had moved, there was no mail forwarded to new address from old address so, long story short they deducted all funds over the course of the five years. Now present day we went to go close out the account was told we ca n't get any of our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit card () with CITIBANK, N.A. ().
Issue: Unsolicited issuance of credit card

Complaint: Citibank obtained my name, date of birth and address and pre approved an {$8000.00} ready credit card. I do not know where they got my personal details since this an am American Credit card company and I live in XXXX. They then kept offering me unsolicited credit card increases to the amount of {$25000.00} without checking my income or any verification. They then applied a credit rate XXXX times the amount of what the original rate was. I tried to cancel several times and they refused. They eventually lowered to rate to keep me as a customer. I have complained in XXXX but not much was done due to FOS being bias and on the bank side, they have reduced what is owing but they did target me because I was in my early XXXX 's.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Equifax waited an unacceptably long amount of time before notifying the public of their failure to secure my personal information and the personal information of many others. 

Equifax did not reach out to the affected users despite knowing already who has been affected. 

A credit freeze should be free but especially in this instance where many people 's credit has been put at risk by the very company who charges the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX, I called Caine & Weiner and spoke with XXXX. She informed me that if I were to set up an automatic payment arrangement, I would avoid the account being reported to the credit bureaus. I set up an arrangement that day-confirmation number : XXXX. They collected money via my checking account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; with that last payment being XX/XX/XXXX. 

On XX/XX/XXXX I received a credit monitoring alert that Caine & Weiner had reported my account to the credit bureaus. This had a very negative impact on my score and was the very effect I was trying to and told would be avoided with the automatic payments. 

On XX/XX/XXXX I called Caine & Weiner and spoke with XXXX. He informed me that XXXX did not place the hold on my account that would prevent it from reporting negatively. He stated that it was an error on Caine & Weiner 's behalf and that he would speak with a supervisor to delete the file from my credit report. 

As of XX/XX/XXXX it is still being reported as negative. I have not received any communication from Caine & Weiner regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: THIS IS REGARDING A XXXX/CITIBANK CARD ACCOUNT THAT WAS DISCOVERED EST. XX/XX/'17 SHOWING BEING REPORTED AS NEGATIVE ON ALL THREE CREDIT BUREAU ACCOUNTS OF MINE. THE ACCOUNT REPORTED IS LISTED AS " XXXX '', WHICH WOULD BE THE LAST XXXX OF THE FULL XXXX ACCOUNT. I DO NOT HAVE TE FULL ACCOUNT NUMBER.. 
In late XX/XX/2017, I contacted the FTC who advised me to send a certified mail letter to XXXX/Citibank that demanded XXXXhat they verify the validity of the account by providing a copy of my original signature for my examination and comparison. I made a mistake demanding the 7-day limit to comply, which should have been instead 30-days. However, the FTC said that it did not matter because XXXXCitibankwould know that if they failed or refused to comply within 30 days, then the regulations force the creditor to immediately .and permanently and completely purge/delete the reporting from all three credit bureaus. 

I also contacted all three credit bureaus rewarding this specific matter, but only XXXX XXXX has cooperated to delete the reporting. XXXX and XXXX only make the statements that " has been verified by creditor, but 'debtor ' disputes ''. That statement does nothing for me in a situation where the account should by FTC regulation have been long ago deleted. I've been fighting this for more than 150 days, much longer than the statuatorilyt required deletion after 30 days after XX/XX/2017 -- when XXXX/Citibank were notified by fax and certified mail.

See the several pages of PDF attachments with yellow my highlighted comments and clarifications.

THIS MATTER IS REALLY DAMAGING ME, AS I HAVE NO OTHER NEGATIVE CREDIT ISSUES, AND OTHERWISE QUITE A CLEAN, POSITIVE CREDIT REPORT. I AM ELDERLY, HAVE NOT FOR 10+ YEARS NEEDED TO USE CREDIT, BUT NOW HAVE A REASON TO DO SO -- -BUT XXXX/CITIBANK AND XXXX  AND XXXX  ARE SERIOUSLY IN MY WAY.

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 02-06-2016 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Around XXXX XXXX XXXX called my cell phone and asked me why I did not pay my capital one card today and what will it take to settle this debt today. I told them I do not know what they are talking about, and they proceeded to ask me why do n't i want to pay the debt I owe. I told them I do not have a capital one credit card, they wanted my social security number that I refused to give them, the person who they are looking for is an XXXX something year old person I told them its not me and they finally agreed to remove me from their list. I come home and the home phone rings same company once again I told them I already told you to remove me from your list this is harassment whomever your looking for does n't live here, they said OK verify your social again i refused they told me they would remove me from their list. They stopped calling for a few weeks and now this week they started calling again every day they call me trying to tell me I owe them capital one debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Debt collection (Credit card debt) with DISCOVER BANK (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Previous claim # XXXX. I have repeatedly told Discover they are not allowed to contact and discuss my information with my mother and she continues to receive weekly harassing calls from Discover. I have told Discover the only number I can be reached at is my personal cell phone yet they keep calling my mother trying to collect from her.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Problem with fraud alerts or security freezes

Complaint: I have tried tried to unlock and unfreeze my credit file since XX/XX/XXXX. I have talked to 28 customer service representatives and my file is still locked and I can not make my purchase. I have almost 14 hours on the phone and I still do not have my file unlocked to make my purchase. This is insane.

The XXXX XXXX people do not know what they are doing and apparently Equifax doesnt either I would be in this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: In XX/XX/2009, I graduated and had {$60000.00} worth of private student loan debt. Among majority of Americans, I too were jobless. For a solid year, I did n't have work or the means to pay the amount due for my loans. I took an entry level job, {$XXXX} an hour ... 

XXXX put me in forebearance. Two years later they sold the debt to Navient and my original XXXX balance turned into $ XXXX. I tried to get on a plan to pay down the balance but they wanted $ XXXX a month and would not take any less. They would n't consolidate the loans which all had variable rates ranging from XXXX % -XXXX %. I made a payment of {$1300.00} a month ( as much as I could on my poverty level salary I was receiving. Even with those minimal payments they took action against me, defaulted me, and are currently trying to sue me and ruining my credit so I ca n't even rent a place to live! The loans to date are up to $ XXXX and they ca n't prove to me why or how! I ca n't discharge, appeal, nothing! I 'm drowning and do n't know where to go or what to do! Navient is an evil company not looking out for American students!

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent in a couple dispute letters for some collections that are not mine. I have never been to these place the hospitals on the collection companies books. Nothing has been done and when I call the collection companies they threaten to sue me! why ... I never had treatment and if I did my insurance would have covered it and a co-pay I also have money for that. I 'm hoping the credit bureau will do their best to help me bc i 've already tried disputing and nothing has happened. I uploaded the documents requested thx

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Mortgage (Conventional fixed mortgage) with TD BANK US HOLDING COMPANY (DE).
Issue: Loan servicing, payments, escrow account

Complaint: TD bank held a payment as unidentified funds because my escrow account adjusted, and therefore marked me 30 days late for a mortgage payment instead of shorting the escrow account balance by {$39.00}, I tried to communicate with TD bank but no one there would discuss the situation with me other then they think they are correct

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XXXX I sent an affidavit of hardship letter via email to mortgage servicer, Select Portfolio Servicing , Inc. and although I received an acknowledgement from SPS, I was told they had not received my affidavit. I had mentioned my XXXX in my XXXX/XXXX/XXXX letter. I believe this is the reason they claimed to not to have received my email. I realize that I was probably too detailed as to what happened, but I was trying to let them know just how close to XXXX I was. I finally sent SPS another letter dated XXXX/XXXX/XXXX and did not mention the XXXX and they accepted that letter. 

We are now trying to send in another Request for Modification Application ( RMA ). I mentioned the XXXX again without all the details except for that I thought that SPS was the reason because I have not been able to work since XXXX of XXXX. I feel like that this is a good reason for financial hardship. I mentioned it again and am sending a copy to the Consumer Financial Protection Bureau so that they can be a witness of my letter and that I did receive an acknowledgement from SPS. I do not expect a response from SPS I just need a witness to the correspondence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Payday loan () with Delbert Services (PA).
Issue: Charged fees or interest I didn't expect

Complaint: You took out the loan with Western Sky Financial XXXX XXXX XXXX. The original loan amount was {$2600.00} on XXXX XXXX, 2012. I was charged an APR of 139.12 % daily. I have already paid {$6100.00}. XXXX back on this loan. I live in Pennsylvanian and payday loans are illegal. I did not know this at the time that is was not legal for them to charge me this excessive amount of interest. I have paid {$3500.00} over what was originally borrowed but I still receive calls from them daily requesting payment of a balance of {$2000.00}. This new balance is only because they have reduced the illegal interest to 6 % daily. I do not believe I owe this additional amount because I have already repaid my loan and a fair amount of interest on that loan. When I took out the loan they misrepresented the terms and conditions on the loan. According to those terms I would have had to pay back {$14000.00} for a {$2600.00} loan! I would have never agreed to this if the terms were clearly explained.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (MA).
Issue: Taking out the loan or lease

Complaint: I accepted a loan from Castle Payday of {$1000.00} on XXXX XXXX. I was informed my XXXX payment would be due on XXXX XXXX, 2015. On XXXX XXXX, 2015 my personal bank account was debited {$500.00} for a service fee for CastlePayDay. I was not informed of such an absurdly large service fee on a {$1000.00} loan nor did I accept or authorize the service fee be deducted from my bank account. Had I been made aware of service fee that equals 50 % of the loan amount, or half the loan value, I would not have accepted the loan initially. I called the company asking 1. ) what {$500.00} fee was, 2. ) why is it so large 3. ) i was not informed of nor did I authorize the service fee be deducted from my account. I requested Castle Payday to reverse the transaction and credit my account back the {$500.00}. CastlePayDay refused my request. The charge to my personal banking account with XXXX was then overdrawn because of the unanticipated transaction by Castle Payday. I have filed a Statement of Unauthorized Electronic ACH Payment with XXXX Bank. Attached is additional supporting information. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Credit card () with SYNCHRONY FINANCIAL (NM).
Issue: Cash advance

Complaint: Synchrony Bank acquired my BP account from XXXX. I had transferred a balance to XXXX on terms of 0 % interest. Each month since their acquisition, Synchrony has added completely fictitious " purchases '' and " cash advances '' in the account, on which they charge interest. It is a small amount -- {$1.00} this month, but it is clearly fraud. I have tried to get it straightened out. Sometimes they refund the interest charge and sometimes they do not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/24/2017 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: XX/XX/XXXX XXXX XXXX ran my credit twice without authorize.Would Like this to be Deleted!!!! 
XX/XX/XXXX XXXX XXXX, I had never applied for this. I believe I 'm a Victim of inquiry issue.I Would Like this to be DELETED!!!! 
XX/XX/XXXX XXXX XXXX XXXX, I never applied for this. I believe I 'm a Victim of Inquiry. I Would Like This to be DELETED!!!! 
XX/XX/XXXX, I have never applied for this, I believe I 'm a Victim of Inquiry.I Would Like this to be Deleted!!!! 
XX/XX/XXXX, I have never applied for this, I believe I 'm a Victim of Inquiry. I Would like this to be Deleted!!!!

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 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Hello, I have been facing nothing but trouble when attempting to have Trans Union remove public record information that they are reporting through a third party source without my consent, which is unlawful. I have made numerous attempts to have them remove stated item in my public record section on my credit report with them.

To no avail, they have not once complied with my request to verify with direct source and are continuing to send information back as verified with no accountability of the direct source. I have not, nor have given anyone from Trans Union or their third party reporting services, any written consent or permission to have my information listed.

My credit report and scores have taken a major hit, and are continuing to impact me negatively. Trans Union is causing beyond due stress and harm and are continuing to break the law and will not assist me with correcting the matter at hand.

I have attached copies of Trans Union 's stated reply, which they have not complied with my request of direct verification. I also have contacted and received letter from stated source that they do not report or have given any information to Trans Union, which would result in a direct violation of FCRA and Breach of Privacy Laws.

I have attached letter as well for review and also a copy of certified receipt that Trans Union has received all documents for removal request and have not complied to request per law for removal.

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