milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Transunion is listing an inaccurate DOB on my credit file. I logged into their system in order to dispute it, and they do not allow customers to dispute this information. Otherwise, I would dispute it and would upload a copy of my birth certificate or my driver 's license.

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 01-09-2017 about Debt collection (I do not know) with Bull City Financial Solutions, Inc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is a collection agency by the name of Bull City reporting on my credit an account for {$300.00}, claiming I owe this amount to XXXX XXXX. This account does not belong to me and it 's affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Student loan (Private student loan) with DISCOVER BANK (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I believe that Discover is raising my interest rate because I am making extra payments. I believe they are penalizing me for making extra payments. The letter I received from them stated, " the Monthly Payment Amount has been recalculated to ensure your loan is paid in full at the end of its scheduled repayment period. '' They have a set period of time that they want me to pay the loan and they have a set amount of interest that they expect to receive, so when I pay extra they raise the interest rate to accommodate the change in order to get the desired interest rate at the end of the scheduled repayment period. When I did not make any extra payments, my interest rate never increased. I am trying to pay the loan off early, but I can not when they keep raising the interest rate. They are preventing me from paying the loan off early.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In   XXXX   in was subjected to fraud. I contacted my creditor ' ' s (   equifax,  XXXX  and  XXXX  ) to file a indentity theft and to get my accounts taking cared of. They did so in   XXXX   XXXX    XXXX  - {$470.00},   XXXX   XXXX  - {$1000.00}   XXXX   XXXX   {$580.00} and  XXXX   XXXX  {$810.00} was deleted off of my credit reports. In  XXXX  these  XXXX  acconuts were updated and added back to my account. I contacted the  XXXX , equifax and  XXXX  to explain to them these are not my accounts they never were. These accounts where made under fraudulent pretenses that I had no knowledge about. I stated these same accounts were deleted in   XXXX   due to myself being subjected to fraud.   XXXX   stated it was disputed before and verified and there is nothing they can do. They told me to file a complaint by the FTC regarding my accounts.  XXXX  and equifax stated they would submit another dispute, that 's was in   XXXX   XXXX   but nothing has been deleted. These accounts are still on my credit report and they do not belong to me. I demand these accounts be removed from all  XXXX  of my credit files so that these fraudulent accounts can stop hendring me from proceeding with my government job.   Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit card () with JPMORGAN CHASE & CO. (TN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: chase bank fraudulently opened thousands of amazon consumer credit cards in response to a {$50.00} promotion that amazon ran in XXXX of 2016. The {$50.00} was paid to anyone requesting an amazon credit card, whether or not credit was approved or denied. a credit card was fraudulently opened in my name, even though the address provided was XXXX i had not lived at for 11 years. chase was negligent in not checking obvious errors in my application as well as errors in thousands of other consumer applications for credit for amazon credit cards in response to this promotion. i would like the XXXX to open a class action suit against chase. at minimum chase should provide free credit checks with all XXXX credit bureaus for two years for all consumers who were harmed in order that they can monitor the ongoing fraud. i also believe they should pay compensation for the damage resulting to consumers credit due to their errors and omissions that allowed this fraud to take place. i contacted the FTC who suggested i file a formal complaint with your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I called JP Morgan Chase on XXXX XXXX, XXXX to report an unauthorized transaction from a merchant ( XXXX XXXX ) on my credit card. The claims agent listened to my claim and said he began to fill out a form to submit to XXXX. The agent asked the last time I spoke with the merchant about the issue and what the merchant said. I asked him why he needed this information and he stated he needed to put a date into the form for the form to be submitted. He said the form states that I, the consumer, needed to contact the merchant and a date needed to be provided. I said I did n't have that info., so he just made up a date for the form. After putting the made up date into the form, the process continued and I was given appropriate provisional credit. 
I am writing this complaint because it is a clear Regulation E violation to require a consumer to contact the merchant before submitting a Reg E claim to the bank. This claims agent was lenient and allowed a date to be made up, but it should not matter. The form should not require a date and the consumer should not be made to contact the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I received a loan for a used XXXX in XXXX with Santander for around $ XXXX. It was a joint account with my XXXX that co-signed. My XXXX and I were splitting the payments. I had the car for XXXX of years before I decided I would like to trade it in for a different vehicle to work on lowering my monthly payments. When I went to trade the car in for a new car the dealer ran the report and found out the car had a XXXX XXXX and was worth {$0.00} on a trade in. When I bought the car, this was not disclosed to me nor on the sales receipt or paperwork. I was unaware of the XXXX XXXX at time of purchase, again it was not disclosed in anyway. After I found this out I went back to the original dealer that sold it to me, but they were out of business. Makes sense as I believed I was scammed and wanted retribution for the bogus sale. Since that was a dead end, I called and talked to the loan company Santander to see what could be done about them giving me a $ XXXX loan on a car with a bad title, but didnt get anywhere with that and of course they said there was nothing than can do for me. after that, I contacted multiple XXXX, but it didnt get anywhere since the dealership was no longer in business and could not be found. During all of this my XXXX became XXXX and XXXX XXXX. I was on my own with the car and payments. Up to this point we have been paying on a car for XXXX plus years that in retrospect is n't worth a penny. Since the car was not worth a dime. I could not trade it in, failed attempts to sell it because of the title, and not being able to afford it without my XXXX around I had no choice but to let Santander come and take it in XXXX. I should have surrendered it, but I didnt, I do n't know if that would have made a difference. Surrendering the car was unfortunate as I had made enough payments to cover the cost of the car and then some. All that was left to pay was the interest. I was a victim of a scam or fraud. Paying over $ XXXX for a car that was worthless with a bad title. I have the origianl bill of sale that has no mention of a XXXX XXXX It is not currently in my possession but can be submitted at a later time if needed. Santander should never have approved a loan for over $ XXXX on a car that is not worth anything with a bad title and not informing me. I would have never went through with this purchase, I am a victim of a scam and bad business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-09-2016 about Credit card () with CITIBANK, N.A. (NV).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I cancelled my previous Citi Costco card earlier in XXXX XXXX, 2016 after a call from Citi fraud for a charge for XXXX cents. I was told there were no other suspicious charges. I was told to check my statement for any other suspicious charges. There was a cash ATM withdrawal for {$600.00} from XXXX XXXX that same day. I was told it would be investigated. I got a call on XXXX XXXX from Citi from a XXXX number saying they were investigating my case and wanted my social security number, and asked to send my wife 's and my driver 's license by fax. I told them to email me as it seemed suspicious. They said they would email to my gmail address on file. I did not hear anything for 2 days and called the citi customer line on XXXX. The agent I spoke to said that no one from Citi had contacted me and it was likely fraud. He told me to report it. I reported it to my credit monitoring agencies and put a complaint with the FTC and Social Security Administration. He also told me that the charge of dollar XXXX was resolved and I would be credited the amount back to my account. I signed up for extra ID theft monitoring based on what he told me that it was likely ID theft. 
You can imagine my surprise when I logged into my account on XXXX XXXX, 2016 and saw that the investigation was closed and I was liable for {$600.00} + charges. 
I make XXXX a year and as a household we make XXXX a year. I nor my wife do not need to withdraw cash from an ATM with a credit card. We are not stupid to pay a {$35.00} charge for withdrawal from an ATM. We had not even set up a PIN for cash withdrawal. 
The only reason we have this card is because we have Costco and this is their new card. 
I called on XXXX/XXXX/2016 and was told the Citibank Security Ops dept was closed. Apparently no one else can help me. Thus I am filing a complaint with the CFPB. 

Sincerely 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 08-11-2016 about Payday loan () with ACQ Holdings, LLC. (MO).
Issue: Charged fees or interest I didn't expect

Complaint: I asked XXXX in XXXX XXXX KS. for a payday loan of {$100.00} they sent me {$400.00} then took out {$300.00} and charged me {$10.00} for taking it out. Then my bank got overcharges i had not the money to pay so i said i would take the other {$300.00} and they put in {$400.00}, and then {$530.00} and now i am told i owe {$900.00}. I sent an email stating i can not pay that. And now they want to offer me another loan to get out of this loan. I am so confused and i do not know what to do. It is to my savings account which i want to close but can not because i am being overdraft {$26.00} that i do n't even have because they keep sending it through. What are my options please help 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 05-04-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Hello, I have a student loan with  Navient  for approximately  XXXX . I have a family member who co-signed on the loan for me and I have been trying to get him removed. When they pulled my credit report there is an old judgment from  XXXX   XXXX  from    2011. I had  my wages garnished until the loan was paid in-full and closed. This is the ONLY thing negative on my report. I desperately have been trying to get this removed and have had no success. It 's been 7 years! Do n't they have to remove it at   7  y rs? I will do whatever it takes to get this removed. It has cost me my relationship with my brother and his family.   Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Mortgage (Conventional fixed mortgage) with SUN WEST MORTGAGE COMPANY, INC. (NM).
Issue: Application, originator, mortgage broker

Complaint: I am a homeowner XXXX years old with excellent credit. In a nutshell I was told I qualified for a mortgage if I sold my home as I wanted to change locations. My home sold and then I was told I needed 2 years of income verification '' from the same source ''. I have 45 years of verified income, from various sources. My credit score pushes XXXX. I have very little other debt ( $ XXXX ). The issue seems to be that I sold my business in XXXX 2015 and am receiving monthly payments from that sale, BUT they have only been paid for 5 month, not 2 years. SOOO now I have no home and am told I must wait another 18 months to get a home loan. I add insult to injury I am a XXXX vet. What the XXXX is going on with this country? What can you do to help me own a home?

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have XXXX loan modification agreements with Chase, finalized in 2013, after my hardship and bankruptcy filing.The bank offered a concessionary rate compared to market rates to reduce the recurring debt service. The difference between the concessionary rate and the market rate for the life of the loan was capitalized in the form of " Deferred Principal '' to be paid at the end of the life of the loan. The " Deferred Principal '' was 7.3 % -7.6 % of the outstanding principal at the time of the loan modification. I am now selling my property ( closing next wek ). Chase 's demand statement requires me to pay XXXX % of the " Deferred Principal '' -- a predatory practice that penalizes the borrower as a Prepayment Penalty. My understanding before the loan modification was that the " Deferred Principal '' was to be earned by Chase over time. Therefore, the " Deferred Principal '' was to be prorated on the basis of the time the loan has elasped compared to the loan maturity. Chase used a fine print -- half hidden from the eye, i.e., not in bold letters -- to lay the trap for an equivalent " Prepayment Penalty ''.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I receive many offers for credit cards & other financial products & services from Experian via the internet. my site is  XXXX  XXXX  XXXX . I am the only person with access to my accounts or online banking, other. I respond with an application. I am always denied credit. I have excellent credit, I have existing credit cards. I am a theft victim at my primary bank,   XXXX   XXXX   XXXX  , the theft was acknowledged, it occurred from  XXXX 16- XXXX 16. I was in a facility at the time. there was theft at the teller window of my bank. this has been notorised and submitted by a judicial of the   XXXX   circuit court   XXXX   XXXX   florida  usa. t he presiding judicial is h. judge   XXXX   XXXX   the attorney is  XXXX   XXXX ,   XXXX   XXXX  ., he can confirm I have excellent credit. I am a long term victim of credit card theft & credit denial, & other financial criminal acts & hate crimes.

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 03/20/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (VA).
Issue: Account opening, closing, or management

Complaint: Paypal blocked my account because I signed in from a foreign location. I am a XXXX and am abroad almost all the time. I called their resolution center several times, answered all the security questions successfully, and reset my password. All to no avail. In frustration, I asked that my account be closed and that my credit balance of {$93.00} be returned to my bank account on record ( it is the same account I have been using for years ). In true XXXX fashion, paypal refused to close my account because it is blocked ( by them ) and referred me back to their resolution center which was unable to resolve the problem. I emailed them several demanding that my account be closed and the my funds be returned to my bank account in the US that they have been using without a problem for year. They are crooks and I will never do business with them again but I need help in closing my account and getting my money back. They ca n't just block valid accounts willy nilly.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: 1 ) XXXX, XXXX : TransUnion account CLOSED on XXXX XXXX but showing Late payments to present time. Error is affecting my credit! 
2 ) XXXX : TransUnion account is OPEN. It should be CLOSED on XX/XX/XXXX. Error is affecting my credit! 
3 ) XXXX : TransUnion account is OPEN. It should be CLOSED on XX/XX/XXXX. 
sTransUnion said they had in open investigation and it would be resolved on XX/XX/XXXX. Well it 's Monday XX/XX/XXXX and nothing has been done the error 's still appear on my credit report. 
Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Mortgage (Other mortgage) with BAYVIEW LOAN SERVICING, LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: How do I get Bayview to leave me alone? 
With XXXX, I heard from them once a year with an escrow statement. Then they sold my mortgage & I 'm inundated with mailings & phone calls. 
From all the stress, I got confused & missed a payment. Efforts to make it up resulted in even more confusion & contradictions so I sought help from XXXX. 

Through the intercession of their housing counselor, arrangements were made & scheduled with my credit union. There 's XXXX left & then the XXXX payment will reportedly be about {$750.00}. 

The calls continue as well as constant mailings. They include registered letters to apply for help for which I know I do n't qualify. Without a car, it means needless trips to the post office. 

Is there any recourse or will this harassment be part of my future?

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Closing/Cancelling account

Complaint: I closed this account when the balance was XXXX in 2008.This bank continues to add interest and keeps the account open.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion has re-inserted XXXX twice on report.also fraudulent inquiries ( 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 04/17/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: InXX/XX/2017, a fraudulent charge was made on my XXXX XXXX store credit card account using an in-store lookup by a person unknown to me, who also made charges at 4 other stores using in-store lookup as well. I immediately notified all the merchants about the fraudulent charges. All of the companies, except XXXX XXXX, investigated the fraud claims and proved it was not me that made the charges. XXXX XXXX has continued to close my fraud claim and try to say it was me that made the charge. Over the last year I have provided them with everything they have asked for to prove it was not me, including filing a police report. I have repeatedly been denied by their fraud department, and finally had to escalate to their Executive office as the fraud department refused to investigate further. For a year I have asked them to review the in-store video against my drivers license picture and they will clearly see it's not me. They have refused to do this and just keep making excuses and closing the case. I have sent multiple packets containing my proof that this was fraud but they will not resolve this issue. I have been a loyal Customer for years, and my history with them should show the type of customer I am. A year this has been ongoing and I am still hitting a brick wall with them. I need help in getting this matter escalated, as they have told me that they take claims from third party agencies more serious than from the actual customer affected by the fraud.

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 06/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX charges were after equipment was returned

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation