milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-06-2015 about Student loan (Non-federal student loan) with AES/PHEAA (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have attempted to verify this account and to prove that it indeed belongs to me, but I have received no mail correspondence or verbal confirmation. All is I am able to see is a negative entry on my credit file. I have tried calling, sending certified mail letters ( XXXX ), but this company will not respond. It have been several months since I started an investigation on this company. I tried several numbers to reach this company. I called XXXX spoke with XXXX. He transferred me to the collections department. Who then sent me to XXXX XXXX at XXXX and got transferred to the business banking department, who could not help me and got transferred to XXXX. I spoke with XXXX who transferred me to the Education Finance department at XXXX Who stated they he could not find any account of me. This company has been asked several times to validate this account. They are reporting that I missed a payment in XX/XX/XXXX, but this account has already been closed since 2012. This account has been closed for XXXX years and they are now reporting on my credit I have a recent late payment. Their are reporting inaccurate and derogatory information on my credit file. Please remove the unverifiable derogatory information from my credit file. It has been over XXXX days. This information must be removed or I will escalate to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 've sent XXXX XXXX XXXX And Equifax multiple requests regarding removal of an old mark on my credit file regarding an old Student XXXX through XXXX XXXX XXXX that was paid/closed. 

Accordingly, I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way. 

I have attached copies of correspondance and a copy of a draft complaint which I intend to file if Equifax is unwilling to directly resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NE).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On my Experian Credit report there is an account that exceeds the 7 year time frame for reporting. XXXX XXXX XXXX first went delinquent per my credit report on XX/XX/XXXX and therefore should have been deleted effectiveXX/XX/XXXX and is still on there. This should be deleted effective immediately

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 04/23/2015 about Mortgage (Other mortgage) with Dyck-O'Neal, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Dyck O'neal inc has incorrectly reported me over 120 days late on an account that should NOT exist in the XXXX place. The account was XXXX on the completion of a Deed in Lieu on my cooperative residence. The Deed in Lieu NEVER occurred. The related mortgage was later satisfied in full via a sale of the property. XXXX of Dyck O'Neal was aware of the failure to close the DIL and still allowed the account to remain open harming my credit. Has has lied to me now on multiple occassions and has failed to have my credit reports corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Consumer Loan (Installment loan) with American First Financial Services, Inc. (LA).
Issue: Managing the loan or lease

Complaint: I have a account with American First Financial and due to a natural disaster ( Flood ) in XX/XX/2016 and circumstances beyond my control my account became behind in payments. I sent the company a agreement and check stating in exchange for payment in full they will agree to remove the account from my XXXX credit report. On the check I wrote in cashing this check you agree to remove from XXXX credit report. American First cashed the check but did not uphold the agreement and remove the account from my XXXX credit report. The company did not return the check or notify me that they would not accept the agreement. FCRA does not demand all accounts be reported therefore a company does have discretions and permission to remove any account it chooses on a credit report. I sent agreement letter and check and American First did not uphold the agreement or notify me prior to cashing the check that they would not honor the agreement. In cashing the check they accepted the terms of the agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax credit bureau is reporting " XXXX '' twice on my report, the account is the same, different dates only. 
I have notified " XXXX '' and Equifax, no response about my double listing, very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Bank account or service (Other bank product/service) with BANK OF THE WEST (CO).
Issue: Account opening, closing, or management

Complaint: I live in XXXX and I purchased a car in XXXX XXXX, when i purchased this car i recieved a bank loan from bank of the west. Everything was fine till I called the state of XXXX and asked them what I need to get my vehicle licensed. XXXX dmv is telling me that the bank is supposed to send them the title due to the title being a XXXX title, the bank on the other hand is telling me that the dmv is supposed to request a copy of the title from the bank. I 've called on several different occasions asking and the bank first told me they lost or misplaced the title. Then the bank branch XXXX called me and said they would be sending the title out soon, but two days before that i had a voicemail from bank of the west saying they sent the title out already. I 've been getting blown off by everybody i call with a different story everytime at this branch as well. The bank of the west branch is located at XXXX XXXX XXXX in XXXX, XXXX. I just need to have the bank quit telling me lies and send the title to XXXX County dmv in XXXX XXXX, XXXX and i can not get anyone to send it so i can be LEGAL driving my vehicle. the dmv will not give me a license plate until I have the title or they have it sent to them, there is no professionalism at this branch.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: On XXXX XXXX, I went to the TransUnion website to get a free copy of my credit report. I went to their webpage ( https : //www.transunion.com/ ) and clicked on a button called my credit score & report, which takes you to another page that is titled Be in the know with TransUnion- see your credit score now. I filled out the first page which asked for my name, address, bithday, and last four numbers of my SSN. I clicked on to the next page. This asked me for a user name and password, SSN, and then asked for my credit card information. I wanted my FREE credit report, so I tried to submit my request without entering an credit card information, but it would n't let me continue. I searched the rest of the website for a way to get my report without entering a credit card number, but I could not find a way. I decided to enter my card information and thought that it would warn me before charging for anything. But it did not. It automatically signed me up for their credit card monitoring and charged my credit card twice. I was able to cancel the service on the website, but after multiple calls to TransUnion, I was not able to get a hold of anyone to give me my {$19.00} back and warn them of this error. 

As far as I know, this was my only option for getting my credit score and I was not warned in a clear manner that I was enrolling for a paid service. When I went back to the website to double check that I had n't missed anything, I noticed that on the first page of the sign up ( that asked for my name, address, birthday, and last four of my SSN ) there was a picture on the side that looks like an ad that says, You have chosen : Credit Monitoring for $ XXXX/month. I think that is really sleazy business practice. 

I 've attached screen shots of the website.

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 12/16/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Chexsystems has a bank on my report that should n't be on there. They removed one bank but they did n't remove the other. They should have removed it. It does n't belong to me and I would appreciate them removing it. I am tired of going back and forth with them. I just want it 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 05/25/2017 about Credit card or prepaid card (Store credit card) with STERLING JEWELERS, INC. (CT).
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint: Kay Jewelers is calling me and my co account holder multiple times an hour from  XXXX  from different numbers from different locations in the country.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit card () with CITIBANK, N.A. (WI).
Issue: Credit determination

Complaint: On XX/XX/2016 I applied for a CitiBank credit card. On XX/XX/2106 I received a notice CitiBank was unable to complete my application because I have a security freeze on my credit history. 
When I had my credit freeze applied, part of the agreement was organizations I currently have a credit relationship with would not be affected. I currently have a credit card with CitiBank, so I have an existing credit relationship with them. Upon calling CitiBank, I was told they could not use old credit data to approve a new account. They can get new credit data anytime they want because of my existing credit card account. 

Rescinding the credit freeze involves considerable time and energy that I do not have. In addition, I would be required to pay to have the security freeze both turned off, and then back on again. According to the original agreement I have, this should n't be necessary. 
I called XXXX, the agency referred to by Citibank. None of the menu options apply to what I need, and as I 'm sure you 're aware, it is not possible to talk to a person at any of the credit reporting agencies to correct the problem. Further, the CitiBank representative I talked to would not allow me to escalate the complaint there. 
I ask that CFPB contact the affected organizations and require they abide by the Security Freeze agreement they entered into with me.

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 07/19/2017 about Checking or savings account (Checking account) with GOLDMAN SACHS BANK USA (KS).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: This company, Goldman Sachs Bank closed my account without any notice, no secure message, no phone call, no letter, literally nothing and not only did they close this account on me without notice, but it caused my main bank, XXXX to freeze my entire account again with ZERO notice of this happening. When I tried to resolve the issue I was told they had closed the account as of todayXX/XX/XXXX2017 but yet I still was given no reason why ... I do n't understand how banks can get away with this, its one thing to reject a customer but no they accepted my application I did nothing wrong ... I have only had at most {$1000.00} in the account at any time and what exactly did I do wrong? I demand an answer or I will consider legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Debt collection (Medical debt) with Professional Claims Bureau, Inc. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have received several bills from professional claims bureau with no explanation of what they are about. I have asked for an itemized bill several times 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 01/27/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: I deposited a {$5200.00} check at the branch on XXXX/XXXX/2016. The Branch manager that came to sign off on the check told me that it 's asking for a 7 day hold due to negative balance and past overdraw charges. The issuing bank for the check for the insurance company was XXXX XXXX and I told her I can go to XXXX and cash the check at the bank and deposit the cash do do n't have to wait 7 days, and then she said she would sign off for the funds to be available on XXXX/XXXX/2016. I asked her if she is sure, since I need to write bills and she said yes. On Monday XXXX/XXXX/2016 I called the Bank and asked why the hold was not released I was advised they are unable to release the hold until 5 business days after the deposit date and to call back Tuesday the XXXX/XXXX/2016. I called on Tuesday and was told to call back on Wednesday, so I called today on XXXX/XXXX/2016 and was still advised the hold will not be released until Friday XXXX/XXXX/2016. It has been already 7 days since the deposit and 5 business days and hold has not been released after I have been promised it would. I got another check from the insurance company and had to go to XXXX XXXX to cash the check and make a cash deposit of {$2800.00} on Monday XXXX/XXXX/2016 to cover the negative balance since the hold was not released on XX/XX/XXXX as I was promised and the account went negative and I was charged fees. The insurance checks were a payoff for my motorcycle and I 'm purchasing a new one with the proceeds I got. I want a refund for all overdraft charges on the account from XXXX/XXXX/2016, the date I deposited the check and I need at least XXXX of the funds to be available on Thursday XXXX/XXXX/2016 for my down payment. Otherwise, I 'm going to miss the incentive promotion that the dealer has going, XXXX off the value.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Earlier this summer of 2017, XXXX ( an agent located in call center Colorado ) and I agreed on a final balance due XXXX of {$46.00} after a discontinuance of the internet service ; however, XXXX continually sent me an incorrect balance, a larger-billed amount of {$56.00}. XXXX then decided to send my closed account to a collection agency named Diversified Consultants , Inc., who now reported the wrong amount and info on my credit files with all three major reporting agencies that negatively affecting my FICO scores unfairly. 
I have requested that XXXX & Diversified Consultants do promptly research and correct the balance as previously agreed, as I 'm more than ready to make a payment to XXXX or Diversified Consultants for {$46.00} as previously agreed. Subsequently, I request for written assurance that collection remarks which wrongly affect my credit score with all reporting agencies to be promptly removed. 

Thank you for cooperation from all involved parties

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I have been disputing late fees with merchant for over 4 months. Credit issuer changed banks, payment was submitted and returned. Contacted merchant and provided bank documentation showing returned and paid checks - was told by CSR that they would credit account of late fees due to their internal error in posting payments. I have called at least XXXX different occasions, merchant continues to charge late fees and refuses to credit the late fees all the while tacking on more late fees. 

Contact dates/reps : XXXX XXXX, XXXX XXXX @ " XXXX '', XXXX XXXX @ " XXXX '', XXXX XXXX @ XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
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: I have an account with Bank of America. I never use this card account but a few months ago, I transacted on XXXX and didn't realize that this card was used for that purchase.

As I never use it, I didn't check the outstanding balance. The company never sent me a statement. They never called me about the balance. I realized about the outstanding only after they reported a 30 day past due to the credit bureaus and my FICO decreased from 794 to 650. I immediately made the payment. They reported me to the bureaus for a past due of

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 09-08-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (NJ).
Issue: Deposits and withdrawals

Complaint: Paypal is holding my funds refusing to release and continues to not remove the hold time on my account even though multiple employees confirmed I was verified and shouldering have funds pending. This is punitive and without cause. I believe they are holding funds for the specific reason of doing night sweeps into interest bearing accounts to monetize the held fund from all their clients. I have now spent 2 months on tis issue and each time a payment is held I work with the service team to their to ensure I am verified and in good standing to not have a hold on my next payment. Once again they hold it. They are deceitful and dishonest. 

The best part of this whole situation is I just found out now each time i have called an requested the funds be released early, there staff is instructed to make a request. The request actually goes to the same department and know that they are unable to actually approve the request. This is done to stall the consumer to further help paypal fraudulently hold funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I went to XXXX for my personal training. My teachers for my classes were constantly switched, moved around etc. I did not receive what I signed up for at this college. I have been forced to find education within the body of my employer due to the college not teaching me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (KY).
Issue: Deposits and withdrawals

Complaint: I posted a car for sell on XXXX in XXXX. I was contacted by someone who claimed to be interested in buying my vehicle. They convinced me to give them my routing and account number so that they could make a deposit into my account. That person then deposited {$5000.00} into my account, then within one day withdraw {$5100.00}. I was banking with USAA, the bank did not place a hold on the check which is a common practice. USAA contacted me and notified me that they were conducting an investigation on my account and that they believe that I was being scammed. A few days later, I was contacted again by USAA and informed that my account had been suspended and that they found me responsible for the negative balance. I was a advised by consumer affairs to file a police report about the money that was stolen from my account. I filed the report and provided it to USAA. I was told by USAA fraud department that they would continue the investigation into my account and since XXXX I have not received any updates regarding the status of my account. When I contact them they refuse to provided me with any information. USAA now refuses to do any business with me and they have reported me as having a negative banking history with other banks as well. I do not feel that USAA conducted a proper fraud investigation into my account. I would like for them to have provided me with much more communication regarding me account. USAA was my primary banking institution and this incident has caused and continues to cause me financial hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation