milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-05-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (WI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I had a store credit card with Sears ( CitiBank ). I paid my card off in full. The payment of XXXX cleared my bank on XXXX XXXX, 2017. I then received a bill for the XX/XX/XXXX billing cycle with a late fee of {$27.00}. I called the number on the bill and spoke to XXXX about why I had a late fee on my bill when I paid my bill off in full. She said it processed after the cut off date. I disagreed and told her it had cleared my bank and I was not certain why it had not processed sooner. She agreed to give me a credit on the late fee. I did receive the credit and received a XXXX balance bill for the XX/XX/XXXX billing cycle. Then I started receiving calls from Sears ( Citi Bank Collections ) for {$54.00}. I called and asked them what it was for and they told me I had n't paid my {$27.00} and charged me an additional {$27.00} late fee. I explained to them that I did n't have a late fee or owe the {$27.00} and in fact I had a {$0.00} balance bill in front of me. He basically told me I was lying and transferred me without an introduction to someone else who again told me I owed them {$54.00} in late fees. Finally after talking to the 3rd person she realized that I had two account numbers, and that when they sent me my new card and I activated it they did not transfer the {$0.00} balance over.she then sent me back to customer service so they could resolve the issue. On XX/XX/XXXX I spoke to XXXX and he said they had credited my account and I only owed my current balance on XXXX XXXX 2017 of XXXX. You can imagine my surprise when my husband called me on Sunday at work and told me Sears ( Citi Bank ) had called again. They also called me this morning about my {$54.00} late payment. I once again told them that I did n't owe the money and they should check both account numbers. The person I talked to today said oh I see your other account has a negative balance for {$27.00}. But his current account shows past due. He could not fix it and said he would put me on hold and try to get someone to fix it. So after another hour of dealing with these people, I was told someone would fix it and they hung up the phone. I also told them they should make sure that they did not report this to the credit bureau. They were unable to assure me that they did not but did n't think they did.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze and unfreeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. 

XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have a conventional loan through Seterus Inc. We pay our payments on time and recently submitted a request for cancellation of PMI. My understanding based on research and Seterus website was that we needed to have 20 % equity on the loan.      Following the appraisal I received a letter advising the value of the home based on the appraisal is {$470000.00}, our loan amount is {$360000.00}. So we have almost 23 % equity but they state in the letter that we need to have 25 % equity.     Are loan companies able to make-up their own rules? I thought the Govt mandated PMI cancellation with 20 % or more equity and on-time payments.     Also, the company states in writing their hours are  XXXX   XXXX  to  XXXX   XXXX  but when calling the number provided it states  XXXX    XXXX   to  XXXX   XXXX , are loan providers not required to be open when customers can actually conact them?

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/15/2016 about Consumer Loan (Vehicle lease) with U.S. BANCORP (CO).
Issue: Taking out the loan or lease

Complaint: traded in a leased vehicle during final months of lease term for an XXXX leased vehicle in XXXX, XXXX. All final lease payments and terms were paid to US Bank per their payoff demands in the transaction. I just received a property tax bill for the entire year of XXXX from US Bank ( on XXXX/XXXX/XXXX, more than 4 months after completing final payoff per US Bank demands ). Called US Bank to dispute, was told that I can do what I want in regards to the bill, they will submit report for non-payment to credit reporting agencies if I choose not to pay. Not willing to remove charge for property they have already received final payment on ( 4 months prior ).

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 08/22/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: APR or interest rate

Complaint: Capital One Bank USA has listed XXXX negative remarks on my credit report on XXXX supposedly separate credit cards showing 5 or more missed payments. All XXXX are showing closed from 2011. Capital One Bank USA continue to update this on my report to extend the time to stay on my report. This is a violation under the ( FCRA ) And under the Consumer Protection Act in the State of North Carolina. 

This negative information being reported has caused me to suffer on the condition of thousands of extra dollars in interest on several loans. I have also suffered stress and undue hardship concerning this matter. 

Capital One Bank USA has being sued in the past for such violations under Federal and State Laws, but this does n't seem to prevent them from further violations against Consumers of the United States. Capital One Bank USA pays the Credit Reporting Bureaus to use there reporting servers to violate laws online electronically. 

It 's possible they violating laws listed under ( RICO ) I ask the CFPB to investigate and demand Capital One Bank USA to stop any illegal practices and to abide by the laws on the books for such, also remove such negative information, refund me monies owed for damages that pertains extra interest I am being charged due to the negative information that they upgrade on a regular basis for the purpose of causing further stress and undue hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: On XXXX XXXX I went to capital one bank to open a 360 account, after I have close my regular checking account because I do not want to be changed as i have reassigned from my job to go back to school. I was told they are having a technical problem. I waited for two weeks and went back and was told the same thing and was ask to call back yesterday by XXXX. I did call back but the phone was have on me for two times. So I wonder why the discrimination. And why no answer to why I ca n't open a 360 bank account because it a better product that I need since am now a student.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Payday loan, title loan, or personal loan (Installment loan) with Monterey Financial Services LLC (MD).
Issue: Charged fees or interest you didn't expect

Complaint: On XX/XX/XXXX I called Monterrey Financial to find out why they were reporting the incorrect balance to my credit companies and the gentlemen explained that they report the actual balance with the interest and not what the actual payoff amount would be, we had a little argument about a {$85.00} fee that was to be waived and was never waived, I ended up telling the " account manager '' that I will just payoff my account and be done with them, we set up everything he confirmed payment will be taken on XX/XX/XXXX. On XX/XX/XXXX I get notification from my bank that a transaction was denied for Monterrey Financial. I  immediately called my bank and they explained that they denied it thinking it was fraudulent activity and they needed me to call and verify, they fixed the issue on their end so that Monterrey Financial could take the payment. They advised me to call back Monterrey Financial and have them re-attempt to take the money, which I did, but the other supposedly " account manager '' that answered was talking to fast confirming everything that the only thing I understood was {$780.00} and my pay off was supposed to be {$730.00} I asked they guy where did the difference came from and he said a recovery fee. I asked him why a recovery fee if my money was on my account and my back is just doing their job of stopping fraudulent activity and they were supposed to take their money on XX/XX/XXXX & not on XX/XX/XXXX, it is not fair that I get penalized for something out of my control. The guy would not let me talk and kept over talking me and only thing I kept on hearing that I authorize a payment of {$760.00} and I am trying to stop the guy to tell him I am not authorizing a {$760.00} payment and he just talking saying Ok you authorize the payment to come off your account today XX/XX/XXXX, I said one more time I am not authorizing that payment and he then said ok you authorize the payment for the XX/XX/XXXX. I ended telling the guy you are not authorized and I hanged up. I called back and asked to speak to someone above a account manager as everyone that I speak to every-time is an account manager, a lady named XXXX was nice enough to get me a leader named XXXX. XXXX called me back I explained the situation and she was very understanding and was actually able to resolve my issue and confirm to me that on XX/XX/XXXX the payoff of {$730.00} would be charged to my XXXX and she waived the fee. I want this dispute to be taken into consideration as I expect that a company providing services would not try to cheat costumers into authorizing payments without their consents and the gentleman I had the displeasure of dealing with today treat others with the same attitude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Debt collection (Other debt) with ERC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter at my current address requesting debt repayment in the amount of {$330.00} from ERC. I ignored it initially thinking that it was a scam until I seen it more than once and checked my credit report to see that it was indeed on there. 

I sent a certified letter to ERC on XXXX XXXX, 2017 requesting verification of this account. Not my surprise I, the debt was not verified. Instead, I received a printout on XXXX XXXX, 2017 with the amount requested but, with a XXXX logo. 

I mailed another certified letter to ERC on XXXX XXXX, 2017, requesting verification of this account once again. I included a copy of all original documents and requested for more details than some printout. On XXXX XXXX, 2017, I received the same exact system generated cover letter again and this time it was two invoice printouts. The first printout was the same as last requesting {$330.00} and then the other was for {$770.00}. 

Instead of spending {$7.00} to send another certified letter requesting verification, I 've decided to move forward with assistance. Thus far, I 've recently complained to the XXXX XXXX XXXX and CFPB. I do n't have anymore patience for this company and their lack of regard to the damage that this company is imposing on my life and without any verification. We all know how important credit is these days. At minimum, this company should be able to provide substantial detail about the accounts that are placed on consumer credit reports. This is totally unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had a total of XXXX student loans with XXXX XXXX XXXX that were transferred to FedLoan Servicing in XXXX XXXX. From then until XXXX XXXX, due to administrative issues and a period of unemployment, only partial payments were made and FedLoan Servicing correctly reported the delinquent status to the credit bureaus. The loans were consolidated in XXXX XXXX and the loans were retroactively placed in forbearance from XX/XX/XXXX-XX/XX/XXXX. Despite the loans having been placed in forbearance, indicating that no payment was due in that time period, FedLoan Servicing refuses to update their reporting to the credit bureaus. If no payment was due, then payments were not late and can not be reported to the credit bureaus as such. 

FCRA Section 623 ( a ) ( 2 ) requires information furnishers to report accurate information and to promptly update information that is no longer complete or accurate. Once forbearance was applied and my student loans were no longer in a late payment status, FedLoan Servicing was required per its statutory duty under FCRA Section 623 ( a ) ( 2 ) to update its no-longer accurate credit reporting. 

The FTC issued an advisory opinion ( Advisory Opinion to XXXX, dated XX/XX/XXXX ) regarding information furnishers ' responsibilities under FCRA 623 ( a ) ( 2 ). The advisory opinion states that Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct. '' FedLoan Servicing communication regarding retroactive forbearances states " If the forbearance was applied retroactively to cover a period of delinquency, any information previously reported to each nationwide consumer reporting agency will remain. '' However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (ND).
Issue: Other transaction issues

Complaint: Paypal is a site that allows consumers to send and receive money. Paypal also allows consumers to purchase items among consumers and hold funds in their systems for days before consumers can use the funds. I accepted a payment from a consumer on XXXX/XXXX/16 in the amount of {$210.00} and paypal released the funds to me on XXXX/XXXX/16. On XXXX/XXXX/16 paypal took the funds I had available and now they are being held pending an investigation, making my account go into a negative state. Ive also tried to delete my banking information off of paypal 's site as I wish to longer do business with them. They will not let me close the account which has my personal information nor remove my banking info. Paypal is a financial bully and sometimes charge your cards and withdraw money out of your account without confirming with with consumer first. And finally paypal does n't have a system what readily lets consumers know their prices and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (OH).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I had store accounts with XXXX  and XXXX. At some point these companies started using XXXX XXXX  for to process credit purchases. I check my accounts online frequently and have never seen any unfamiliar activity. 

Synchrony sends emails each month notifying me of the payment due date and provides a link to view my bill and make a payment. I had NEVER been late with a payment and always paid in fulluntil XX/XX/2017. I wanted to pay early because I was moving. However, Synchrony would not allow me to log into either account so I could see the bills/balances and make a payment. Since I was moving at the time, I had no internet service for approximately two weeks. 

Apparently they have been charging me late fees since they will havent been allowing me to log in! Yesterday I called to get answers. First I sat through nearly 5 minutes of recorded messages and push this for that recordings. When I finally got to a live person I was transferred FOUR ( 4 ) times, sitting on hold between each transfer. At one point, I asked for a paper statement to be mailed to me and they refused. Each time my identity was verified, but I never received answers to my questions. Frustrated, I finally hung up. 

I called back and paid off the XXXX XXXX card for the amount they said I owe. I have no idea if that was the correct amount. Today I will do the same with the XXXX card, again having no idea if the bill is correct or not. 

At this point, I would like Synchrony to just close every account that I may have with them. My credit score is and always has been excellent and I do not want to jeopardize that with their lousy customer service practices. Ill stick to XXXX or XXXX for my credit needs.

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 09/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have asked Transunion a number of times ( 4 ) to provide me with verification of documents for a Bankruptcy that they are listing on my credit report which I am unaware of. Per the FCRA they are to provide me with a signed document that contains my signature and they continue to reply with " the debt has been verified ''! In addition, they have not marked my credit report " disputed '' as I have disputed the item several times. I have n't been approved for loans because of this

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 08/21/2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.

Company response to consumer: Closed
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: these claims are not mind someone used my information i never lived in ohio these are fraud claims there reporting to lexus nexus and needs to be removed CLAIM 2 Claim Date/Age : XXXX / XXXX / XXXX ( XXXX - XXXX ) CLUE File # : XXXX Company : XXXX XXXX I Claim # : XXXX Policy # : XXXX Policy Type : PERSONAL AUTO Policy Holder : XXXX, XXXX Vehicle Operator : XXXX, XXXX Date of Birth : XXXX / XXXX / XXXX SSN : XXXX Sex : XXXX  Address : XXXX XXXX XXXX, OHXXXX Drivers License # : XXXX Vehicle : XXXX XXXX XXXX VIN : XXXX Disposition : N/A PAYMENTS BY CLAIM TYPE Amount Type Status {$1200.00} BODILY INJURY CLOSED {$2900.00} COLLISION CLOSED NaN COMPREHENSIVE CLOSED {$970.00} PHYSICAL/PROPERTY DAMAGE CLOSED Additional Info : N/A CLAIM XXXX Claim Date/Age : XXXX / XXXX / XXXX ( XXXX - XXXX ) CLUE File # : XXXX Company : XXXX XXXX XXXX  Claim # : XXXX Policy # : XXXX Policy Type : PERSONAL AUTO Policy Holder : XXXX, XXXX Vehicle Operator : XXXX, XXXX Date of Birth : XXXX / XXXX / XXXX SSN : XXXX Sex : XXXX  Address : XXXX XXXX XXXX, OHXXXX Drivers License # : XXXX Vehicle : XXXX XXXX VIN : XXXX Disposition : N/A PAYMENTS BY CLAIM TYPE Amount Type Status NaN BODILY INJURY CLOSED {$13000.00} COLLISION CLOSED NaN PHYSICAL/PROPERTY DAMAGE CLOSED Additional Info : N/A CLAIM 4 Claim Date/Age : XXXX / XXXX / XXXX ( XXXX - XXXX ) CLUE File # : XXXX Company : XXXX XXXX XXXX Claim # : XXXX Policy # : XXXX Policy Type : PERSONAL AUTO Policy Holder : XXXX, XXXX Vehicle Operator : XXXX, XXXX Date of Birth : XXXX / XXXX / XXXX SSN : XXXX Sex : XXXX Address : XXXX XXXX XXXX, OHXXXX Drivers License # : XXXX Vehicle : XXXX XXXX VIN : XXXX Disposition : N/A PAYMENTS BY CLAIM TYPE Amount Type Status {$3800.00} COLLISION CLOSED Additional Info : N/A

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Specialized Loan Servicing LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX # XXXX. 

SLS has admitted their error. Why do they need an additional 60 days to correct my credit report when they have admitted their error, and after admitting the error, reported me late to the credit bureaus. 

SLS is refusing to comply with the Fair Credit Reporting Act. They do not need 60 days to contact the 3 credit reporting agencies. A fax or an email takes 2 minutes. They are stalling, have poor business practices, and are refusing to comply with the Fair Credit Reporting Act. 

What are you going to do about this company?

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