milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My credit report shows I have XXXX credit cards. BK filed XXXX/XXXX/2014. These older accounts should not be on my credit

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 10/14/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Account opening, closing, or management

Complaint: I was charged an overdraft fee when my account was not overdrawn. I went into the bank yesterday to ask if they would reimburse it and the banker was very arrogant, started yelling and making false statements about the account, and now, today the ban has called and wants to force my accounts closed. They are joint accounts in mine and my husbands name, and he did not say a word to them. I was the one who tried to resolve the problem about the overdraft fee. We do not want our accounts closed as we both have direct deposit and also have our home mortgage with this bank. Please help as I have done nothing wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Checking or savings account (Checking account) with KEYCORP (PA).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: I have submitted another request for this issue that was just closed without proper evidence under complaint XXXX. Again, KeyBank has failed to address that they continued to charge non-sufficient fund and return fees for an account that I closed in their branch. Note, I have had many discussions with KeyBank both in person at their branch, and via their call center in the XXXX. I am glad that KeyBank provided evidence of previous miscommunication with their XXXX center, resulting in a refund that they paid to me. I am not sure how or why this lack of communication continues to occur, but KeyBank has placed my name in XXXX for overdraft fees only, again sometimes charging as much as {$77.00} for a {$17.00} charge. My first question is specifically to the Consumer Financial Protection Bureau - is this legal? Is a company able to charge & XXXX for a {$17.00} return charge? Why, as a consumer, is KeyBank able to punish me for choosing to no longer do business with their bank and closing my account? As noted in my initial complaint, KeyBank has never paid a charge on my behalf, and my current balance with this organization is only from their service fees. My second question is for KeyBank - what responsibility do you take for not properly closing my account, as requested? Your response to my previous complaint was that you are taking no responsibility for your mistake, and continuing to assess overdraft charges for an account that was closed. In addition, how are you rectifying the situation with your call center? I am aware from speaking with your branch that many of your customers ( not only me ) have complained that your call center employees do not properly understand English, and I have a concern with how you are protecting my personal information when it is outsourced to another country.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Disputes have been removed from XXXX XXXX but not from Exquifax. How or when will they match or catch up? Do I need to repeat the process with each creditor?

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Contacted creditor " XXXX XXXX bank '' and they refused to talk to me because I am no longer liable for the account nor am I an authorized user on the account. 
XXXX XXXX XXXX, XXXX ) I have attempted to submit multiple claims through equifax and have been denied the ability to submit a claim due to lack of verification of my identity on equifax files. 

I have contacted the actual owner of the account and she verified on multiple occasions that I am no longer on the account. 
( Last contacted in XXXX XXXX ) I have had no issues with XXXX XXXX and the aforementioned credit reporting bureaus has had no issues removing my name from accounts where my ex fianc is the primary account holder and I was an authorized user for a brief period of time XXXX XXXX months XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2016 about Debt collection (I do not know) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of AFNI debt and I would like it removed as it 's reporting to the XXXX and negatively affecting me

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received my first contact about a debt collection in process in XX/XX/XXXX. I immediately disputed with the collection company and the original debtor in writing. As of XX/XX/XXXX I have not received a response from my letters sent in XX/XX/XXXX. This past week I had applied with a rental property to move into a new apartment and I ca n't because this collection was placed on my credit report in XX/XX/XXXX. I had no knowledge of the debt collection nor was I given the opportunity to dispute it, provided any of my rights to dispute, and my XXXX credit score when from XXXX to XXXX from XX/XX/XXXX to XX/XX/XXXX although I have paid down my personal credit cards and have had no late payments ever since XXXX. I pride myself on my credit and paying all credit card and debt obligations in a timely manner. I was also denied a credit card in XX/XX/XXXX and was n't provided the details of this debt collection except that my credit score was too low. This has extremely impacted me in a negative way and I need to have the collection debt removed from all XXXX of the credit bureaus immediately. I have opened separate disputes with them as well. I appreciate your help and any guidance. Thank you.

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 08/29/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (CA).
Issue: Account opening, closing, or management

Complaint: I sent a letter on XXXX XXXX, 2016, by US Mail to Citizens Bank in XXXX ( directly to XXXX XXXX, manager of the XXXX XXXX branch, with whom I had spoken previously ), requesting XXXX info on my late uncle 's account. I followed up a month later by telephone and was asked to email the letter, which I did. Numerous follow-up calls, emails, and letters went unanswered. It was not until I took my complaint to XXXX and XXXX that I got the desired result, more than 6 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (AZ).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: on XXXX/XXXX/2017 i opened a citipriority checking account for {$50000.00} with the promise to re ceive {$500.00} after 90 days if the {$5000.00} remained at that level. i couldnt open the checking account on line because i get my mail at a XXXX XXXX . this is because the post off at zip code XXXX does n't deliver the mail in town to my street address. and because my street address is not recognized by the post office i had to sent citipriority all sorts of documents verifying that i have a valid street address. so the account was opened on XX/XX/XXXX and i started receiving monthly statements. as ofXX/XX/XXXX i call the bank to question why i had n't received the promised {$500.00} bonus. on XX/XX/XXXX i received a letter stating unfortunately your account does not qualify for the promotion because your checking account was not enrolled in PAPERLESS STATEMENTS.no one ever told me any time along the process that i had to enroll in paperless statements. when i saw this deal on the internet i told a friend of mine in long beach ca and she went into the bank and opened the same checking account. she was told that she was n't going to receive the bonus for the same paperless statement problem. i have seen on the internet 4 other people with this exact problem.

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 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: Pertaining to the Report Number : To Equifax Dispute Resolutions Team, This is to advice your company of a potential lawsuit pertaining to your scoring system. Attached is a credit file from yesterday, with no changes to the file with a score of XXXX, and today, here is a different score XXXX. <P/>There have been no changes other than positive reporting, and updated positive account information so there is no reason this score should have dramatically dropped in that manner. I wish not to get the Federal Government involved, but I take my credit very seriously. If you have an individual at your bureau, going into my file, and conducting illegal reporting, especially pertaining to my addresses and personal information, I will not hesitate to contact the proper authorities as I do not authorize such individuals to do such things. There have been no changes with the exception of positive reporting, and I would ask that your bureau do a thorough investigation into this matter, as I do not wish to file a lawsuit. My score is not XXXX. <P/>I also opened an investigation on XXXX XXXX XXXX more than 30 days ago, that has yet to be addressed and removed. The other bureaus have removed the fraud collection, but equifax took way too long to remove it. I am in the process of trying to rebuild what so many have tried to ruin, along with my credit, that I was able to salvage from all of the identity theft, and other criminal acts that are being investigated. <P/>I also had a huge concern pertaining to my personal data being released to people who had no authorization to view it, or obtain any information, sale or trade anything pertaining to myself on my credit file. I attached a protective order validating that fact. It seems as though someone within that bureau has been trying to manipulate my credit report and it 's scoring, and that is illegal. Please see the attached protective order requesting this bureau and the others, discontinue with the sharing of my address information publicly as it violates a legal Court Order.
<P/>
For Example, XXXX XXXX reported to the bureau that the account was up to date on the XXXX, and then on the XXXX as you can see, someone went into the bureau system, and possibly manually adjusted the account and stated it was 60 days past due with a balance of XXXX owing and it was n't. Someone went back into the system today, and adjusted it to say 30 days past due {$300.00} when the account is not past due.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My Complaints are follows against : U.S. Bank, NA/XXXX XXXX XXXX 1. Per the attached scanned foreclosure letter from the Attorneys of U.S. Bank, NA/XXXX XXXX Loans, the terms of my mortgage Note/Loan originated by XXXX XXXX XXXX in XX/XX/XXXX has been changed from a fixed rate of 5.875 % to an unknown Adjustable Rate Note. This supports the fact that the loan documents and Deed of Trust have been separately casting serious doubt on XXXX 's right to foreclose. 
2. This loan has changed ownership more than 3 times namely : XXXX XXXX XXXX, XXXX XXXX XXXX, U.S. Bank NA, /XXXX XXXX XXXX ; and XXXX Master Participation Trust. The question of the day is who really owns my note and who has the right to foreclose on the note? There are so many inconsistencies using XXXX XXXX XXXX that flawed the originality of the loan, casting doubt on who is the real owner. 
3. Excessive late and other fees and U.S. Bank, NA/XXXX XXXX Loans practice of applying all my mortgage payments disbursed to it to these fees first. This unfairly practice leaves my principal to increase exponentially. This is " Pyramiding '' of mortgage payments. This negligent and unfair servicing and series of unapplied funds as you can see from the attached mortgage statement from month to month, my past due amount kept going up month after month. 
4. Now that I am asking too many questions, XXXX refused to accept payment and blocked my ability to make payment online until I have agreed to their Adjustable Interest Only payment modification for 5 years. U.S. Bank, NA/XXXX XXXX Loans have listed in the Court House and decided to sell through auction my property to the highest bidder on XXXX XXXX, XXXX. 
I need an urgent voice to stop U.S.Bank, NA/XXXX XXXX XXXX unfair business and illegal practices prevent them from illegally foreclosing on our house.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I signed up for a credit card with Best Buy some years back at the XXXX, Florida store location. I noticed I have been being charged for a " fee '' called Enhanced Debt Protection plan. This plan is approximately a dollar a day. <P/>I called Best Buy and wanted to report this as fraud for which I was denied this right with them saying I had signed up for this plan. I also spoke with Citi bank who the card is through and also asked to report this as fraud and they also denied me the right to file a fraud complaint saying because I had signed up for this plan. Again, I told them I had never signed up for such a plan. I also called this so-called Enhanced Debt Protection plan number and had them to cancel this immediately and informed them I had never signed up for any such plan and that these were fraudulent charges and demanded that I receive a full refund. I was told that they would cancel this plan but it would be thirty days before I would get a letter in the mail saying if I would get a refund or not. I asked for an address for Enhanced Debt Protection and a phone number and was given a post office box in Texas and was told there was no other physical address of phone number to reach them. <P/>I sent an email to the Best Buy XXXX, Florida store tonight asking for help in this matter as well. I asked that they try to find my application and make sure there was not a glitch or a mistake or that someone had made a change in my application. <P/>I have seen online, after searching for an answer to my problem to see if others had the same problem, where this was a problem for many and they have said they also never signed up for these plans. <P/>From what I have read online it appears that this has been going on for quite some time now. I want my money refunded. This is purely a fraud/scam. <P/>Also, there is no email to reach Best Buy corporate available on the Best Buy website. I am tired of calling and getting no where on the phone with people. I want to start putting everything in writing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Vehicle loan or lease (Loan) with HYUNDAI CAPITAL AMERICA (MS).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I was only late over 30 back in XX/XX/2017. I had on time payment untill I had a dispute. Then my report started showing 30 day late every month or more because of a XXXX dollar late fee That I wasn't notified of. I paid what the representative told me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (OK).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: It is my understanding according to the " Dispute '' rights in the terms and conditions of my XXXX XXXX XXXX that " all '' disputed charges will be credited until resolution has been reached. 

I believe following my initial request on XXXX via the XXXXXXXX XXXX website email which was for my account to be " Closed immediately '', that I should have immediately received a hard copy of my final " bill/statement '' for this account within approximately 30 days. I DID NOT receive a final " bill/statement '' and have not to date. XXXX XXXX continues to ignore fault while also continuing to add late charges and interest to the amount ( s ) in dispute. 

I feel like XXXX XXXX is " muscling '' me and trying to bulldoze me into paying for their mistakes and improper procedures. I seek your assistance in the resolution of this debate. 

Thank you.

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 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I h ad a conventional mortgage until recently. I was serviced by   XXXX   XXXX   XXXX   XXXX  . I  was in the process of selling the property, and there was also a modification in process. The first payment for the modification was due   XXXX   XXXX       2017     which I paid in a timely manner. The next payment was due    XXXX   XXXX   2017 w hich I also paid in a timely manner. When I contacted Equifax,   XXXX   and  XXXX , after selling the property in    XXXX   2017, to  make sure tha t  XXXX  w as no longer reporting the mortgage as having a balance, ( I sold it      XXXX   XXXX  , 2017 ), I  discovered tha t Ocwen had reported that two pa yments in     2017   as being late. This would be impossible. First, as I stated above, the mortgage was in modification status. And, the trial payment f or   XXXX   XXXX  , 2017, w as paid. In addition, I paid  XX/XX/XXXX  payment, even though I knew I was selling the house in a few days. Thus, there were NO Late payments paid in    2017.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was alerted that my account had been placed on a fraud hold. I contacted Synchrony Bank regarding my Banana Republic Visa to learn that they had allowed inappropriate access to my account to an unauthorized person and completed an address change. As a result, Synchrony Bank closed my account and confirmed all account details with me, including the correct mailing address. However, when the new cards were sent, with a new account number, Synchrony Bank sent the cards to the wrong address - the address that had been the cause of closing the original account. So, after closing the account to suspend access to my account Synchrony Bank was negligent in not ensuring that the correct address was used for the delivery of my new cards. Synchrony Bank has now had to close the XXXX account and open a XXXX account. They have refused to give me online access to my account rewards until XXXX billing cycles pass, despite the fact both accounts were closed because of their mishandling of my sensitive account details. Due to this oversight on their part, I asked for them to compensate me for a subscription to a credible identify theft program ( i.e., XXXX XXXX ) to assure me that they did not further compromise my personal details. They declined. Synchrony Bank and Banana Republic Visa have not demonstrated they are committed to ensuring this does not happen again, nor have they ensured that I am satisfied with the resolution they presented.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with HSBC NORTH AMERICA HOLDINGS INC. (MD).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have a XXXX credit card account with HSBC Bank USA, N.A. ( Bank ). 

During XXXX and XXXX XXXX, the Bank launched a new account servicing website for its personal ( consumer ) banking services. The website permits consumers to access and take action regarding numerous products, including deposit accounts and credit card accounts. As of XXXX XXXX, XXXX, at least, if not for the entire time since it 's launch, the new website effectively buries the option to make or schedule a payment toward a credit card account. It can only be accessed by clicking a small, inconspicuous " View Details '' hyperlink on the account servicing page to launch a legacy website that contains the payment option. See attached screen-capture. This is not obvious in any way. Additionally, the View Details hyperlink will only launch the legacy website IF the consumer 's web browser 's pop-up blocking option is disabled. 

I did not sustain any injury as a result of this extremely notable design choice or defect, but only because I was willing to wait over 40 minutes to access advice ( via telephone and " Live Chat '' ) from a customer service representative who explained how I could access the payment option on the legacy website. Other consumers, however, might have sustained injuries by not being able to make or schedule a timely payment toward their credit card accounts. It is inconceivable that the Bank could have launched the new website without including a clear option by which to make or schedule a payment online.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On some of the charges the name and other information is inaccurate, while some charges are not possibly mine due to the time they occurred and the amount. In XXXX I had all of my personal information with my ID, Social security card and some other things stolen along with my moms purse. And XX/XX/XXXX I was mugged and they took my wallet which had my ID, passport and Debit cards in it. I want to enroll in a monitoring service because my credit score is frighteningly low due to accounts that were either fraudulently opened or mistakenly charged.

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