milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am filing a complaint with TransUnion,  XXXX , and  XXXX . After multiple attempts through mail, online disputes, and telephone calls I am unable to get unauthorized inquiries off of my credit report. I am sending out a certified letter one more time. If this does not work I will be contacting the Attorney General for further assistance. FCRA states that the only permissible purpose for pulling someone 's credit is for his firm offering credit, insurance, employment, or court order. With the different glitches that has been happening with the credit companies I feel that my inquire should be removed from my entire 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 02/21/2018 about Debt collection (Medical debt) with Western Mercantile Agency, Inc (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been repeatedly harassed by Western Merchantile Agency in XXXX XXXX Oregon for a debt that is not mine. They have contacted me multiple times via mail, which I have called each time and informed them they have the wrong person. They call me insistently and every time I inform them they have the wrong person. Finally, after months of harassment, I asked for them to send me documentation of this debt showing why this was mine. The information they sent me showed a different last name, different middle initial, different address, birthday, and everything. Only thing the same was the phone number, which is fairly new to me in the last couple years, which I let them know and they still refuse to stop calling and contacting me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My debit card was stolen and my identity. Someone called the bank and did a fraudulent claim on my account for a missing deposit. They also requested a limit increase on my debit account to immediately do a withdrawal of the temporary credit that was posted to my account. I immediately notified the bank when I noticed the unusual activity. I explained that I never authorized that activity and requested that they cancel the all transactions. I also filed a police report and requested that they view their security cameras to prove I did not do the withdrawals nor did I file the fraudulent claims done over the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Credit card protection / Debt protection

Complaint: Looking over my Best Buy credit card I noticed a fee for Debt Protection and they charged me just over {$23.00} for it. Wondered if it was a one time fee and it has been coming out every month for years. around XXXX if the amount stayed the same. I called and cancelled this but I have never nor would I ever sign up for this. I am an insurance agent and I understand the cost of insurance and this is very expensive stuff. They ca n't seem to supply me with my signature or authorization to start this. They just added it without my knowledge. Operator said it had been since 2011. Now I understand that I should look more closely at the statement but I figured the interest was just high and make online payments every month. If I had ever seen it I would have cancelled it. I never take free XXXX things because it is too hard to remember to take them off. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-03-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I have refinanced my home, with a payoff date of my mortgage with Ocwen of XXXX XXXX. Although the balance on their website showed as XXXX on XXXX XXXX they still processed a payment of {$1300.00} on this account that had a XXXX balance. Since I was not expecting this I was left {$700.00} overdrawn on my bank account, and had to borrow from another source. This morning when I called them the XXXX person I spoke to got testy with me and blamed it on the title company for the refinance. Luckily I was disconnected from her. I got another gentleman when I called back, and he said he would try to expedite my refund, but that it still could be 5-10 business days. Is that fair?

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: there is a bankruptcy showing on my credit report that should not be there. it was never done, the lawyer which filed it refuses to remove it. I learned about this when I was attempting to get a loan on for a car. it shows a bankruptcy was filed, but it never was, it never went to court and had never began or completed in any way and I need it removed. the lawyer that had filed it will not take any action, when i contacted them all they would do is send me a copy of the initial paperwork and the document stating it was not done. I have copies on my phone but am not able to transfer them onto here to submit.

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 08/20/2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: Due to my profession I have a complete understanding of a simple interest loan. Capital One Auto Finance rules would only allow me to pay exactly one month ahead or principal only payments. As I wanted to pay forward the loan I always made my payments on the due date one month ahead and paid more than the regular payment. The formula to figure the interest portion of my payment is standard on a simple interest loan and when you are paying on time and more than minimum, the interest portion of your payments should steadily decline and certainly should not fluctuate. When I questioned Capital One Auto Finance about this fluctuation they tried to say that it had to do with the # of days in between payments. This will only hold true if you pay sporadically which I did not do. I have since refinanced with another company and am now accurately seeing the dollar day rate go down. In going over my payment history with Capital One it is obvious that they did not accurately use the standard formula, therefore inaccurately charged me on the interest portion of my payment throughout the loan term.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The collection agency is Trident Asset Management. The original creditor was XXXX. In XX/XX/XXXX I bundled my XXXX XXXX, XXXX phones and my XXXX XXXX in a bundle plan. All was fine until XX/XX/XXXX when XXXX XXXX increased rates and we went back to cable. I cancelled my XXXX XXXX and continued my service with XXXX. After we sold our home in XX/XX/XXXX I get a bill in the mail from XXXX XXXX telling me I owed them {$240.00}. I called and told them it was paid to XXXX through the bundle. I called XXXX and asked if I owed any money and if there was a problem. XXXX said I did n't owe any money other than my monthly payment. In XX/XX/XXXX I check my credit report which says now I owe {$1000.00}. I disputed this amount. I did n't receive any letters. I called XXXX, who says I do not owe this money. When I called Trident, they hung up on me. I did speak to a rep later that day who told me to go to the website and pay but she did n't offer a resolution letter. I want this off of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was affected by the Equifax hack based on the information on their website. This has caused me to setup credit alerts and has caused me undue XXXX. I consider my personal information highly sensitive and valuable enough to require the highest security standards to protect it

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Other

Complaint: All I wanted for a resolution was to change the credit reporting to " Paid as agreed '' and please remove the " Charge Off '' from the three major credit reporting bureaus. This has impacted my FICO score and my credit worthiness. Please consider correcting this IAW Fair Debt Reporting Act. 
On XXXX XXXX, Resolution Specialist, Regulatory Complaints received my complaint filed to Consumer Financial Protection Bureau Case No. XXXX. Her research in her letter sent to me on XXXX was not accurate. The Recovery Team in XXXX stated they were not able to take any payment due on my accounts went to an outsource collection Agency were unable to identify the collection agency and recommended that I wait to hear from the collection agency. I never received any registered mail or there was no reporting of the collection agency on all three major credit reports. XXXX stated in her letter that in XXXX the accounts were placed with an outside collection agency XXXX. The accounts then were brought back internally to FIA Card Services in XXXX and the initial payment program from XXXX was reinstated. I have no documentation to verify this from Bank of America, FIA Card Services or the named XXXX. Further XXXX stated in her letter that my accounts never left Bank of America but the contradicting statement that the accounts were placed with XXXX so this validated my accounts were no longer with Bank of America or FIA Card Services! This explains why the recovery department was unable to take payment until the accounts returned full circle. I have been making monthly payments on both accounts. These accounts are being paid off and no balance owed has ever been " Charged Off '' or " Settled '' only " Paid As Agreed ''. So why am I the customer being penalized with the accounts reporting as a Charge Off which states uncollectable this is not a true statement! Please reverse the reporting to paying as agreed and this would satisfy my complaint. 

PS. Thanks for looking into this matter! I have been penalized long enough one would agree!! Not even certain if the balances owed is accurate and it has been nine very long years trying to get through this process! If I did nothing these accounts would of matured and fell off my credit report two years ago or we would of went to court but I was going about this with total honesty!

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 01/30/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I've had a student loan since 2002 with an original amount of {$34000.00} between two consolidation loans. I currently owe {$43000.00}. I've used the maximum amount of deferment and forbearances due to financial hardships. I wasn't advised that income based payments were an option, and as a result, 16 years later I owe {$8400.00} more than when I started. I've been charged {$950.00} in fees and {$11000.00} in capitalized interest. I've made a total of {$17000.00} in payments with only {$3500.00} making to principal. I think my loan provider has unlawfully advised me and unlawfully acted so that I would pay more for a longer period. I believe these actions to be predator in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Customer service / Customer relations

Complaint: In connection with a Citibank credit card, we submitted CFPB complaint number XXXX, to which Citibank responded more than XXXX months ago, as follows : " [ Citi ] sent a letter to the customer and advised that because we value his business, we applied credits totaling {$1000.00} for the difference. '' Citibank 's statement was false ; no credit was ever applied or otherwise given. 

Our original complaint stated the following : " Prior to XXXX turning over its XXXX credit business to Citibank, XXXX resolved an account dispute with us, confirming in a recorded telephone call that we were entitled to a {$1000.00} credit and that such credit would be credited to our account forthwith. Before the credit was received, the transfer of the credit card business by XXXX to Citibank was competed. Citibank thereafter repeatedly promised ( in recorded telephone conversations ) to make good on the obligation it inherited from XXXX and complete the {$1000.00} credit forthwith. Citibank inexplicably has repeatedly failed, and now refuses, to complete the promised credit in violation of both its agreement to do so and in default of XXXX ' similar promise to which Citibank succeeded to. Citibank has even had some phony dispute resolution expert named XXXX XXXX pretend to be seeking a resolution of the matter. His promised response was never forthcoming, and his failure and refusal to return telephone calls confirms Citibank 's continuing bad faith in this matter. The dispute is unresolved after more than XXXX months and countless hours of effort by us and unfulfilled promises from XXXX and Citibank. ''

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 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: Recently I requested that a collection account that was placed on my credit report be removed because it had not been " Validated ''. I requested that Equifax " Validate '' not verify this account and supplied them with the documentation that the company had sent me as validation of the debt. This documentation did not have anything with my signature on it or anything that I requested from them to validate the debt. None the less Equifax responds with they have verified the account. That was n't what I asked them to do again I asked that they validate it. The other issue is that a previous collection agency had place the same debt on my credit file and after requesting that they validate the debt, Equifax removed it and they to only furnished a bill as validation. So now I do n't understand how Equifax ca n't validate on collection agency but can verify the other based off the same information that was submitted to them. Seems to me that Equifax is practicing some illegal and unfair practices based on how they feel at the moment and not based on the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Payward Ventures Inc. dba Kraken (CA).
Issue: Other transaction problem

Complaint: Customer service does not have a contact phone number and takes an excessively long time to respond. 
Customer service is deceptive, unresponsive, and frequently inaccurate in their response. Multiple attempts at wire transfers failed to a previously authorized account. Inaccurate instructions were provided for 5 weeks in an attempt to resolve resulting in funds that are trapped with this supposed exchange. 
Inability to wire funds to New York State or Washington Site unavailable for over 10 days due to failed software update No ability to withdraw funds via manual check forcing additional fees to send money to another exchange if your bank account is in Washington or New York!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with ID Analytics, Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I applied for XXXX XXXX credit card which is issued by XXXX XXXX. I was denied for the credit card and I got a response letter on the mail. When i opened the letter i noticed on the bottom of the letter said that as of XX/XX/XXXX my credit score was XXXX. I was in chock, because i knew my credit score was n't that low. I knew my credit was around the XXXX. So I checked my credit scored and based on XXXX  information as of XX/XX/XXXX my credit score was XXXX. The reporting agency is XXXX XXXX XXXX. That was the reporting agency that XXXX XXXX  used to get my credit score.  XXXX XXXX. Provided false untrue and damaging information regarding my credit score, which lead the bank into an inaccurate decision. What they are doing is proving banks with false information, leading banks to inaccurate decisions. which is illegal.

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 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Upon receiving my credit report today, I noticed many bank/car dealerships had my info and I have no idea nor did I give my approval for my credit to be run not once but twice a piece in 2 days. XXXX hard inquires!! This issue has dropped my score tremendously and it needs to be taken care of. As follows Also attached photos. I have written to all places and received no response on getting it taken care or proof of reason to run my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Meridian Financial Services, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid in full. 

Collection agency violated section 15 U.S.C. 1692 of FDPAAsloduring discussion with agency they failed to provide accurate information despite my attempt to secure sameThey reported an inaccurate debt to credit bureau

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I asked multiple times to cancel PMI on my loan, and they continued to refuse. The only way I could reduce PMI was to refinance with a different lender, costing the time and expense of refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Transunion had a glitch in their system that violated the rights of consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is a violation and I am requesting that ALL inquiries be removed.

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 12-07-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Problems caused by my funds being low

Complaint: In 2013 I was charged over {$30000.00} in overdraft fees. It started slowly but snowballed due to the fees drawing my balance down to where other checks and debits were also assessed fees. I was given phone # 's to call of people who no longer worked there. I was always given the hope the overdrafts would be reversed. I have later learned that if I had banked anywhere else I would no have incurred any of these fees. Due to the practice of posting debits in front of credits. In all of 2013 I never bounced a check. The money was there for both the checks and the fees. On XX/XX/2013 they closed my account at the same time charging more fees. Shortly after closing my account they accepted a {$6000.00} wire and held it for a week and accessing fees before they released it. 

I have tried hiring a lawyer but no-one will go up against Wells Fargo. I had given up hope before my nephew who is pre law gave me your web address. 

Please Help! I lost my business over this. 
XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Progressive Financial Services, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX had XXXX cable service I installed the service XX/XX/2013 Returned Equipment on XX/XX/2013 Balance XXXX say I owe but they charged me for service 2 month after Return cable boxes, which means I was not provide any service and should n't have the XXXX months plus I was charge for none service I have paid them more than XXXX plus dollars and the show a balance of {$690.00} and the turned over to collection and the balance is with XXXX {$820.00} and the on my credit report is at {$830.00} XXXX different numbers and is causing me great harm, If given credit for XXXX mouths charged plus I would n't old nothing if I give proper credit and credit for what I paid to XXXX and why is there XXXX amounts due

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