milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/19/2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Customer service / Customer relations

Complaint: XXXX co-branded airline credit cards ( XXXX XXXX XXXX XXXX XXXX, Citi XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Visa ) offer free baggage checking to the primary card holder and accompanying passengers. But this benefit does not apply to non-primary cardholders flying alone, though they do possess their own co-branded card with their own name and a linked account number. On at least 2 occasions, my spouse, when traveling alone, was denied free baggage checking, even though she had the appropriate co-branded airline card. this is blatant discrimination against the 'little woman traveling without hubby '. These credit cards issued to by the non-primary cardholder are valid for any purchase around the world but can not be used for the benefit of free baggage checking when the non-primary card holder travels alone on the appropriate airlines. The fees for baggage checking seem to start at {$25.00} or more for each trip and would be even more with minor children traveling often with a woman not accompanied by her husband. I think all such fees should be disallowed and refunded to all spousal passengers who have had to pay for what would have been free if 'hubby ' had also been traveling. I blame both the financial institutions issuing the credit cards and the airlines for coming up with these restrictions. The fact that these restrictions are vaguely mentioned ( " all passengers traveling with you '' ) in the information sent with the credit cards does not make it fair or reasonable. Thank you for your attention to this matter. And I hope the CFPB manages to survive intact despite the desires of those who are so offended by a government agency protecting citizens who are victimized in financial matters.

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 01/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: always lived with parents never had my own place to have cable

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 03/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX OPENED AN ACCOUNT XXXX Saying it was necessary to put in my personal numbers to my cell phone this phone number ending in XXXX was never used there 's not a single call placed upon that nor did I sign any contract allowing them to charge me for this account which should never of been left open. they are attempting to charge me for a service I did not order did not approve and did not use and did not sign for Collection amount with XXXX approximately {$180.00} please call for additional information XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (SC).
Issue: Settlement process and costs

Complaint: I am entering this complaint because my husband passed away in XXXX 2009, XXXX yrs ago. The loan was in his name, not both names. He left everything to me in his will. The loan he had on the house is with Green Tree Mortgage. I have been trying to get the loan transfered in my name. The Probate papers and death certificate has been sent to them and they still say they ca n't tell me anything or put it in my name. I have given Green Tree permission numerous times for one of my family members to talk to them because I am XXXX and also XXXX and am XXXX yrs. old. I have been keeping the payments up ever since XXXX when he passed away. They will not tell me how much is still owed on the loan, or change the address for mail to come here because I am living with my son and his wife and have been since XX/XX/XXXX. I want to sell the house which and ca n't do that until it is in my name. I ca n't live by myself any longer because my health is declining. I ca n't afford an attorney because I live on a very limited income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was contacted by XXXX that a hard inquiry was on my credit report from Kohl 's. I found that odd because I've had a Kohl 's card for many years. I looked it up & saw that it said " a lender requested a copy of your credit report for a home retail loan. Every time you apply for credit, a " hard inquiry '' is placed on your credit report and it may stay on your report for 25 months. '' This is listed as coming from KOHLS/XXXX. A few weeks back I did apply for a credit increase online but it was immediately declined so I know credit was pulled then. 
I called Kohl 's today & asked about my credit being pulled today. They admitted it was but never told me why. They said they couldn't remove the inquiry & I'd have to talk to the credit bureau about that. I'm trying to rebuild my credit, I even told them that & that they were the ones that had to take care of the inquiry, not the credit bureau. They said they couldn't do anything about it. I had to talk to the credit bureau. I ended that call with no answers about why that inquiry was done and why they refused to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2016 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I want the credit bureau to verify proof documentation to me ( consumer ) via mail of all delinquent items according to FCRA page 35 statue 609-disclosures to consumers [ XXXX XXXX. statue XXXX ] information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to XXXX XXXX a ) ( XXXX ) [ statue XXXX ], clearly and accurately disclose to the consumer. If the XXXX credit bureau 's can not provide proof documents of said law FCRA requirements, I am demanding that any delinquent items be deleted from credit file.

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 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I pay for credit report access from  XXXX . They reported my score as  XXXX . I requested a loan and they reported an   XXXX   score of  XXXX . My bank offers free  credit score information. It said my Trans Union score w as  XXXX ,  XXXX   XXXX . Why the significant variations in my score? Why are the scores I paid for inflated or the scores reported to lenders undervalued? I feel like its intentional to offer me terms that would cost me more.

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 08-01-2017 about Debt collection (Other debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have a collection account listed on my credit reports by a debt collection agency RESOLUTION SERVICE, Collecting on behalf of XXXX. I am not aware of this contract and it does not belong to me. I requested verification of debt and account on XXXX XXXX, 2017 and the business failed to provide proof. Because of that, I am not responsible for the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My loans were purchased by Navient in XXXX XXXX 2017.  Navient purchased or transferred my loans from the loan servicing company XXXX. With XXXX I believe I was enrolled in the automatic debit program ( ACH ) that included a .25 % reduction in my interest rate for being enrolled in the ACH program. SO the interest rate of my loans serviced at XXXX was actually .25 % less. It seems as though loan companies may not be honoring this actual interest rate borrowers had with their previous loan companies? IS this legal? I am wondering about the legality of this purchase/transfer and the loss of honoring the real interest rate on loans that I may have had with XXXX? I am also concerned that other borrowers are being robbed of this option and I am wondering if you have a response to this? Please let me know if this is legal or if you need any more information from me. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Consumer Loan (Installment loan) with KEYCORP (MI).
Issue: Taking out the loan or lease

Complaint: We purchased a boat 10 years ago and had Key Bank as our lender. Over the past 120 payments, we have been paying late fees in amounts of XXXX. I had contacted them to get our payment date adjusted to avoid the late charges. They assured me they would do this. We recently fulfilled our obligation with Key Bank and based on our timely montly payments, we feel we should be reimbursed the late charges. We always paid our montly payment at the same time, we never missed any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (Medical) with TCAR Inc (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had insurance bills were paid and I called them and I 'm not on file

Company response to consumer: Untimely response
Consumer complaint received 04-03-2017 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (NJ).
Issue: Managing the loan or lease

Complaint: Account ending in XXXX. 
I wrote back to you regarding TD Bank car loan. After struggling to make monthly payment on- time due unemployment issue. I received two letter from TD Bank dated XX/XX/XXXX, saying Congratulation! your final payment is now due. please pay the amount indicated below by due date. total principal balance XXXX principal due XXXX financial charge due XXXX Late charges total XXXX. 
on a second letter i received from TD Bank dated XX/XX/XXXX, stated current due XXXX total amount due XXXX. This second statement raised into questioning. In XXXX I submitted a complain regarding extra payment beginning of the loan in total amount of {$410.00}. I was told that money will apply to the end of the loan. I called this morning I was told that money has been used into Principal. Now I 'm at end of making a final payment, final payment is more than regular monthly payment due to late fees. I would like to know about the excess payment I had made toward my account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: A collection account (  XXXX   XXXX  ) originally reported by  XXXX   XXXX   XXXX  was disputed by me. An investigation was made  to Trans Union  back in  XXXX  and was ultimately deleted from my credit report, as it was founded the account did not belong to me. In  XXXX ,  XXXX , I contacted a collection agency  (   XXXX   XXXX   XXXX   )  listed on my credit report to pay a delinquent collections account that was in fact mine from  XXXX  in the amount of {$140.00}. I made arrangements over the phone to pay that account in full and the collection agency  (   XXXX   XXXX   XXXX  ) agreed to remove it from my credit report. That was done successfully. Shortly, thereafter, upon checking my credit report for accuracy, I noticed that the disputed, previously deleted  XXXX   XXXX  account by  XXXX   XXXX   XXXX  for {$820.00} was now back on my credit report as a {$820.00} collection account by   XXXX   XXXX   XXXX    w ith a new account open date of  XXXX   XXXX . This is fraudulent and unlawful. As this collection agency appears to have resuscitated a confirmed deleted account on my credit report. I have continuously disputed this wit h Trans Union and they  have only added a comment to my credit file saying that the consumer disputes this account. That is not acceptable!! I demand to have this fraudulent account removed from my credit file.

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 07/25/2016 about Debt collection (Medical) with Russell Collection Agency, Inc (MI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: I was insured by state of MI insurance from an injury ( personal ) but the collections company keeps mailing out notices on a debt I do n't owe and it was supposed to be paid by the insurance company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2017 about Debt collection (Credit card debt) with Experian Information Solutions Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am contesting the account with XXXX XXXX XXXX. It is an account that was opened without my consent. It is showing a balance of {$840.00} with a {$500.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 168 % usage. I need Experian and XXXX XXXX XXXX to correct this account on my Experian report. I should not owe XXXX XXXX XXXX anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian Report and corrected.

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 08/30/2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I received a phone call today from the collection agency representing Ace cash payday place telling me that I have to give them a credit card or prepaid card today or they 're going to sue me I have iced them that I 'm XXXX and XXXX and if we can please have this conversation tomorrow when I 'm feeling a little better and I will have you know my information ready to provide and they said no they 're just going to take me to court and now that my dad will go from XXXX to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Medical) with BC SERVICES, INC. (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have pulled my credit report from multiple sources at several different intervals. I have seen accounts from the debt collector BC Services, and attempted to reach them in regard to settling the debts. I informed the collector that my interest in contacting them was to clear all accounts off my credit report ; I then asked the representative how many accounts total they had reporting to my credit. The rep I was speaking to ( whose name I did n't catch ) informed that they have XXXX accounts total on my credit and all are being reported on my credit. Upon calling back at a later point I was advised that there are only XXXX of the XXXX accounts actually being reported. This is a blatant violation of the Fair Debt Collection Practice Act, by the representative knowing that my attempts were to clear my credit report and then advising that an account not on my credit report is being reported.

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 07/18/2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (WI).
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint: Leased a   XXXX   XXXX   XXXX   from a local dealership who ran the lease through Ally. Turned the car in on a pull ahead program and the day we turned it in Ally electronically took another month 's payment (   XXXX   ) out of our account. Was told we would get that payment back since we no longer were leasing that vehicle. Ally just sent me a letter saying the lease was satisfied, but when I called them to ask about the refund for the month going forward they claimed they do n't owe me anything.   XXXX    fired Ally some time ago and  XXXX  claims this is just Ally getting back at them and they have no responsibility.

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 09/22/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: Asked XXXX to defer XXXX payments, was told I needed to bring my account up to date before they would

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 06/13/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (CA).
Issue: Trouble during payment process

Complaint: This involves account number  XXXX  SLS, the servicer, has repeatedly ignored my requests to remove  XXXX  late charges. I have asked SLS to change the due date from th e  XX/XX/XXXX of  each month FORWARD to the   XX/XX/XXXX of  each month to stop the confusion that has led to late payments. Those requests have been ignored. SLS services  XXXX  loans I have including the  XXXX  being discussed now. Several months ago, unsolicited, they offered to modify the other  XXXX  notes to interest only for an additiona l five yea rs. I expected they intended the offer will all  XXXX  notes. Again, my inquiries on this have been ignored.  <P/>  SLS  has refused to remove the late charges. The conduct of SLS is at best reprehensible if not criminal

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 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I stored my personal items at a friend 's house because I was homeless for a few months prior to relocating to college in XXXX, FL. I went to XXXX  XXXX XXXX on XX/XX/XXXX in XXXX, FL to be added to my aunt 's checking account as an authorized user and was told there was an account on my XXXX report from Bank of America that was reporting fraudulent activity at an address I have never lived at ( XXXX XXXX, XXXX, GA ). I filed a police report in XXXX, FL, where I currently reside, because I suspect the tenant, XXXX XXXX of XXXX, GA, stole my identity, then used my information to open an account without my permission. The account was opened in XX/XX/XXXX, according to XXXX report. I attached my XXXX with my Georgia address, the only address I've ever lived. 
Bank of America Replied stating they would not remove the account and expected payment because an individual walked into the bank on XX/XX/XXXX and opened an account with my ID. 
My ID and SSN card was stolen, as I stated above, and even after I provided XXXX XXXX with the identity theft criminal report case number from XXXX Police ( XXXX  PD Criminal Report # : XXXX ) upon request, the account still has not been 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 07/21/2015 about Credit card () with WELLS FARGO & COMPANY (NC).
Issue: Closing/Cancelling account

Complaint: I had a secured credit card account with Wells Fargo XXXX XXXX XXXX XXXX XXXX. I went to close my account on XXXX/XXXX/2015 because of personalXXXX XXXX. When asked why I was closing my account. I replied I disagree with your XXXX advertisements on TV. I find it offensive to me and my family. I do n't care if you are XXXX but I do not want it shoved in my face every day and expect my to accept it. They refused to close my account and return my money at first. I told them that was a violation of Federal Banking regulation. Then they stated they would close it but would take XXXX days to make sure there was nothing outstanding. I had already check it to make sure their was nothing outstanding. If I can check my bank account at home for daily charges why ca n't the bank do it while I was standing there? If I have to give them money to open an account ; why ca n't I get my money immediately upon closing my account? 

Thank you for your cooperation in this matterXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Deposits and withdrawals

Complaint: I am XXXX, a fraudulent charge for over {$2700.00} was made to my account and not made by me. I disputed this with Capital One 360 and I received a notice they were deducting the funds from my account on XX/XX/2017. They took the funds on XX/XX/2017 even though I have submitted an affidavit that the funds were not authprized

Company response to consumer: Closed with explanation