milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/19/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: In  2015 I was trying to build up my credit so I applied for a card through Walmart, I got approved for a card with a {$500.00} dollar limit, my first payment made online went through fine, when I went to pay it again they charged me a  XXXX  dollar fee. I was only paying a little over half the bill due to a small lack of funds at the time but I had hoped to be able to pay the other half with my next check. I only had a little over {$60.00} dollars in my bank account so I thought to pay {$30.00} on my card, when I went to check my account balance the next day it shows that they took out the whole {$60.00} even though I had only stated in the payment to pay {$30.00}. I thought maybe it was a one time only thing since I was paying online, so the next time went to make a payment online I checked and sure enough I got charged again. I was struggling with funds due to a small lack of some income that had stopped temporarily. I just quit using the card at the time and made no more payments. I had planned on paying it off with taxes the next year but by then it was with a creditor. I do not remember reading anything in the fine print of charging any kind of online processing fee, I know several people who have had cards through Walmart and ha ve had no problems,

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 07/23/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: We were charged for a recurring service by Experian that we never signed up for. Our account numbers are XXXX and XXXX. They refunded us for one month but two months of charges remain ( {$19.00} x XXXX people x XXXX months ) = approximately {$80.00} total

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am in the process of disputing several inaccurate items on my credit report which has taken several months to resolve. While attempting to access my report via Experian, I have been denied access to my records. This is highly frustrating and the website informs me that I now need to buy a report from them. I am not interested in spending money to correct errors and omissions on my report just to benefit Experian 's profits. I have tried several times over the course of a couple weeks to no avail.

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 04-04-2018 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: Account information incorrect

Complaint: I need some help, there is an inaccurate account listed which is FALSE information and I have brought it to the attention of XXXX which I received there response stating they aren't going to help unless I provide them with supporting documents which how would I have if it is inaccurate and false information listed on MY personal credit file and TransUnion how can they report inaccurate data like this how can one be current as of XX/XX/2012, 30 days XX/XX/2012 and XX/XX/2012 charged off. This account which is false XXXX XXXX   XXXX needs to 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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a security breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hard inquiries where made on my account that i did not authorize. I have called both XXXX, Equifax and creditors all parties have been unwilling to resolve my issues 1 ) XXXX XXXX XX/XX/XXXX 2 ) XXXX November 16,2017 3 ) XXXX XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX XX/XX/XXXX 8 ) XXXX XX/XX/XXXX 9 ) XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2015 about Bank account or service (Checking account) with First Data Corporation (OK).
Issue: Account opening, closing, or management

Complaint: I have tried for 7 months to close my First Data Merchant Services account. When I do actually get a human on the phone, I just get the " run-around, '' and different answers. They promise to return calls and do n't. They wo n't respond to emails. The have dozens of unethical ways to keep XXXX from canceling. They continue to charge fees and once a person finally threatens them are told they will have to pay a {$500.00} termination fee, but they keep the person paying their monthly fees. Very unethical. The Internet is filled with others who have the same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: We are submitting a complaint against PENNYMAC XXXX mortgage company. They faithfully took our mortgage payment for over 1 year, always paid ON TIME. At the beginning of 2015 we received a bill totaling approximately {$15000.00} due to insufficient escrow and a statement that had our taxes at over {$24000.00}. INCORRECT!! We called to inform them that the taxes they have are wrong and even provided tax statements from our local township that had our taxes listed at between $ 6,000- $ 7,000/year. They stated that they had paid the township much more than the township states they actually received from them. They state that they were able to obtain a refund of THEIR money that was overpaid but it still left an error on our account for which they are trying to bill us approximately {$2000.00} in order to bring our account up to date which they will then refund to us. ALL calls to Pennymac have resulted in nothing but delay, poor customer service, inability to rectify this problem in a timely manner and now they have put us in collections and have affected our credit for THEIR error. We have continued make our monthly mortgage payments and have faithfully been calling asking for them to resolve their error only to receive harassing " automated '' notices and NO actual assistance or resolution. We are seeking legal counsel for the issues with this company and have noted MANY similar consumer complaints online with many of the same complaints. This company appears to be conducting itself in numerous unethical ways and has the poorest customer service we have EVER experienced ANYWHERE. We desperately need investigation, assistance and intervention to rectify this issue and have the company resolve their errors and restore our credit. Please help!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have written to all XXXX credit report agencies and to XXXX XXXX over 90 days ago regarding a credit card issued by them that is currently been reported on my credit report. I am still waiting to get a respond from them. I need this to be removed from my report because of the negative impact it is having on my report. In my letter to XXXX I asked them to provide me with a proof that I open this account. I have not receive a respond from them. I need this item to be removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter from my Chapter XXXX Trustee that stated that Ocwen was paid {$530.00}. I reviewed my payment history, and it does not look like Ocwen Credited this amount to my account anywhere. I am attaching a copy of the letter so that you department can review it to validate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Mortgage (Conventional fixed mortgage) with FirstKey Holdings, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: To Whom, First I tried to just get my taxes and Ins turned back to me denied tried to do a refinance with XXXX got taken for XXXX to find out my house has dropped another XXXX since XXXX and no refinance done but I owe XXXX more than what my house is worth now. Tried to get help through my mortgage denied again and they are trying to charge me for fees at XXXX I have not paid and do n't need to pay they said they where going to take it off but never did talked to them till blue in the face but kept and still getting the mortgage payment on time for now its is hard to do at times but find a way by selling things I have worked hard for. First Key denied me they say I have a Senior mortgage attached to me since XXXX XXXX by XXXX XXXX I have never known of a senior mortgage I do n't owe this at all but I have talked to XXXX they told me to get with XXXX I did they said they take care of it but did not solve the problem. I have no equity in my house now and ca n't afford to to repairs needed done some as I slowing find the way to get money together. First key mortgage have had during the time trying to get help through them got a few calls from there customer service with like threaten action for my payment for they said they have not receive my payment this is 3 days after and after arguing with them to check again for I have made the payment on or before the due date plus Im suppose to have 16 days after but not with them. What can be done I have great credit and work hard to pay my bills with not much left for gas and food. I need a little help with this problem thanks

Company response to consumer: Closed
Consumer complaint received 07/31/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WI).
Issue: Credit decision / Underwriting

Complaint: This is too complaint case # XXXX.I XXXX XXXX placed a complaint with you in regards to the closing escrow surplus from selling my house on XX/XX/XXXX. The amount I have due to me is {$2700.00}. I received a letter the Ditech Financial LLC. dated XX/XX/XXXX. They stated that they did transfer my funds but they have not. The money is not in my bank account. 
As to the reference in the letter from Ditech Financial, LLC about them sending out a check to me on XX/XX/XXXX to the address XXXX XXXX XXXX XXXX, XXXX, WI XXXX. I gave them my new address before they said they mailed this check out. Also if this check went out to this address I would have gotten it because this is my sister 's address. Ihave checked my on line banking account and they have not transferred my money. Now this is after Imade the complaint. I 'm still waiting for them to pay me.I have not been paid {$2700.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am writing to request that a debt be removed from my credit report as it 's been seven years since the date of last activity.

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 05-06-2017 about Credit card or prepaid card (Store credit card) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Somehow My father accidentally added me as an authorized user on his credit card at  XXXX   XXXX . I was never and have never been involved with his  XXXX  account and never had anything to do with it. I never signed anything or was asked if I desired to be added to the account. I have since had myself removed from the account but it still effected my score. It shows a drop from the  XXXX  's down into the  XXXX  's and has affected my ability to get an addiquit house loan.  XXXX  removed me from the account but my credit report still shows that I was responsible for the account for some period of time. I need this to be removed from my credit report entirely because like I said I never authorized any such thing and I feel like whoever processed this without my permission has done something entirely illegal. What would keep me from walking into a  XXXX  and telling them that I want to add  XXXX   XXXX  as an authorized user on my account and affecting her  credit score . It just does n't make any sense. I know this was a misunderstanding and my father never intended to add me so that is n't the issue, it 's just my credit report that is the problem.  XXXX   XXXX  has done what they can and removed me from the account, I just do n't know how to make the credit report agencies understand that I was not ever involved at all

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 08/26/2016 about Bank account or service (Checking account) with PNC Bank N.A. (IL).
Issue: Account opening, closing, or management

Complaint: This complaint is connected to the first complaint I made in regards to PNC Bank. Today my mother and I received a call from an agent who works for PNC Bank. He was asking questions about what the complaint was about and he was using falsehoods and confusing lengthy statements to try to explain what the bank has been doing. When I closed my bank account ( which was in XXXX XXXX 's name and Social Security number since she used to be my payee but no longer is ) I said I closed the account due to " blatant fraud ''. 
A company named Simply Be, who uses comenity bank, has told me that my refund ( which is {$29.00} as opposed to {$36.00} due to shipping fees ) was sent to pnc bank and Simply Be says that it is not their policy to accept any returned money from PNC. PNC tells me that they never received the {$29.00} and if they had received it, it would go back to Simply Be and they will not mail out any checks for a closed account. The money was put into the account on the XXXX ( the PNC account ). The PNC account was closed on last Saturday. No one knows where that {$29.00} went.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I submitted a complaint to XXXX, Transunion and XXXX about some errors that I found while looking over my credit report. For some reason XXXX failed to investigate my disputes. I sent another letter out and got no response. Im not sure how XXXX  comes up with this FRAUD DISPUTE suspicion. XXXX and Transunion verified these accounts that I know are inaccurate. I read some information online and found out that under the FTC I can dispute all inaccurate information on my credit reports. Am I right? Again I am disputing the follow accounts after noticing several errors 1. XXXX # XXXX This collector has re-aged this account. Please remove. Please remove 2. XXXX # XXXX The date of delinquent is misleading and incorrect. Also this account shouldnt have a balance. Please remove 3. XXXX XXXX # XXXX I have reached out to this company with no response. The balance, date opened and the payment history is incorrect. In addition this account should not have a balance. Please remove. 

I know that mistakes happen but it should not happen at my credits expense. Thanks for your time. 

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 06/22/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage has been totally messed up since XX/XX/XXXX. There are two payments missing from XX/XX/XXXX. Told me I would be approved for modification but they foreclosed me 6 months later after telling me I was denied one week before foreclosure. Forced to file chapter XXXX to save home. Could n't afford payment so bankruptcy was dismissed. XX/XX/XXXX Wells Fargo contacted me saying I was now apvd for modification and in a panic I signed because it would save my home and remove my exhusband. After finding out my ex was not removed from original note I read the final papers that added in XXXX plus in fees with a balance {$10000.00} more than when I purchased home in XX/XX/XXXX. Now I face another hardship and durning mediation the rep for Wells Fargo wanted permission to go ahead with forclosure even though I had an app with XXXX. He stated I was going to end up having to file chapter XXXX anyway which was very unprofessional, sarcastic, and very untrue. I was given more time but this shows me Wells Fargo is not trying to help borrows they are trying to force everyone into chapter XXXX so they can add fees that should not or has not been needed. I received a letter stating I was charged almost {$4000.00} on XX/XX/XXXX for forclosure attorney fees. We did not go to mediation until XXXX and I was given 60 days at this time. After all the lawsuits ; this lender is still performing illegal lending practices and breeching privacy due to providing my ex with the history of payment when he is NOT on the deed of trust or mortgage loan, just the note.

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 03/29/2017 about Bank account or service (Other bank product/service) with ONEMAIN FINANCIAL HOLDINGS, LLC. (FL).
Issue: Account opening, closing, or management

Complaint: SPRINGLEAF FINANCIAL SERVICES made an unauthorized credit inquiry to my XXXX credit file

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently requested a copy of my credit report and noticed Equifax has reported inaccurate account XXXX on my credit report that does not belong to me. I have disputed to them directly pertaining this issues.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Debt collection (Medical debt) with Retrieval-Masters Creditors Bureau, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: AMERICAN MEDICAL COLLECTIONS is saying I owe {$1600.00}. I am a XXXX XXXX, XXXX XXXX XXXX Veteran. All of my treatment is received at XXXX XXXX XXXX XXXX XXXX. Additionally, I have XXXX and XXXX XXXX XXXX XXXX. This company is harassing me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Both XXXX and Transunion failed to provide free credit reports and claimed technical difficulties.

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 03-07-2017 about Mortgage (Conventional fixed mortgage) with GOLDEN EMPIRE MORTGAGE INCORPORATED (OR).
Issue: Application, originator, mortgage broker

Complaint: I refinanced with XXXX and their parent company Golden Empire Mortgage. It was made clear to me there would be no points. Later, they added thousands of dollars in points buried in the documentation.They did n't contact me by letter, email or phone. I 'm not a professional so it slipped past me especially since I was told there would be no points. The added fees were hard for someone like me to spot or even look for as a result. I consider this bad business practice and a dishonest way to handle the process. I would like they way it was handled investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (NJ).
Issue: Fraud or scam

Complaint: My name is XXXX XXXX and as of XXXX XXXX I am unable to access my funds from Rushcard that 's all it needs to be said I have my money and they wo n't let it go and its been 10 days.They say it 's a glitch in the computer

Company response to consumer: Closed with monetary relief