milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/26/2016 about Credit card () with UBS BANK USA (LA).
Issue: Arbitration

Complaint: On XXXX XXXX, XXXX, I rented a car for use in XXXX, XXXX, from XXXX via my XXXX membership. I declined insurance with the belief that my visa card covered any accident liability. Unfortunately, I found out when I filed an insurance claim that visa does not cover car rental damage in XXXX, along with XXXX other countries. 

If I would have known about this, I would have have purchased car insurance. I am an informed consumer, and I do not bet. I would never drive a car without insurance, in fact, it is probably illegal, and XXXX should have not rented me a car without insurance. 

I feel that this exclusion information was not easy to come by. On a search of visa 's policy on this, I found this at https : //usa.visa.comXXXX # XXXX " Effective XXXX/XXXX/XXXX. Please note : This benefit is available on all XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Rewards cards. 
Protect against collision and theft. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Rewards cardholders receive Auto Rental Collision Damage Waiver coverage for damage due to collision or theft. 
Benefit at a glance Collision and theft coverage on auto rentals. 
To activate coverage, complete the entire rental transaction with your eligible XXXX card and decline the collision damage waiver ( CDW ) coverage if offered by the rental company. 
The Auto Rental Collision Damage Waiver ( " Auto Rental CDW '' ) benefit offers insurance coverage for automobile rentals made with your Visa card. The benefit provides reimbursement ( subject to the terms and conditions in this guide ) for damage due to collision or theft up to the actual cash value of most rental vehicles. '' Nowhere does it say that there are exceptions to this coverage. 

And specifically, I found this on the webpage of my personal XXXX card issuer : http : //financialservicesinc.ubs.comXXXX/UBSVisaXXXX.html http : //financialservicesinc.ubs.comXXXX " Auto rental loss/damage coverage Up to {$50000.00} " Nowhere was it noted that it did n't apply to cars rented in XXXX until I got to this website : XXXX : XXXX " This benefit is available in the United States and most foreign countries XXXX However, no benefit is provided for motor vehicles rented in XXXX, XXXX, the XXXX XXXX XXXX, or XXXX XXXX. '' I have sent my complaint to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX UBS Bank XXXX - Disputes XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Car Rental dates : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX to XXXX XXXX I was XXXX to XXXX XXXX with the XXXX XXXX under XXXX XXXX XXXX. During my XXXX a XXXX XXXX XXXX Bank credit card in XXXX, MD was activated in my name, and use without my knowledge, consent or authorization. I submitted a letter to the bank and a police report. The bank removed the information from my credit report. At a later date the credit card companies reinserted previously deleted information regarding this account. The amount was small {$250.00}. 
I had no knowledge of the transaction, The discrepancy is impacting my credit score. 
I want this report removed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Mortgage (Conventional home mortgage) with Sortis Financial, Inc. (NY).
Issue: Struggling to pay mortgage

Complaint: In XXXX I took out a mortgage loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$480000.00}. I was promised a low interest rate and a low monthly payment, as advertised. On XXXX XXXX, XXXX, there was an assignment of mortgage filed with XXXX XXXX XXXX 's office. The assignment of mortgage assigned the mortgage from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX, XXXX XXXX XXXX, XXXX, XXXX started a foreclosure against me for the amount of XXXX, which is about {$91.00} from the original mortgage 3 years earlier but I already had paid over {$160000.00}. How is that possible? I am a victim of the housing crisis and I feel that there is fraudulent element to what is happening to my mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (Medical) with MFP, inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company has added several medical collections to my credit file, I have disputed and requested validation. I feel this is inaccurate data and request validation

Company response to consumer: Untimely response
Consumer complaint received 03/25/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GU).
Issue: Loan modification,collection,foreclosure

Complaint: My XXXX XXXX spouse and I purchased a home from family in XXXX XXXX. We were sadly over charged after a second, pricier appraisal. Also, our mortgage lender, XXXX XXXX XXXX XXXX, was seized and closed by the federal government. Bank of America assumed our mortgage. Since XXXX XXXX the insurances and taxes in our area have soared. Many homes around us did not rebuild and still are boarded up. Because of this we owe more than the home is worth. We XXXX XXXX to XXXX in XXXX XXXX. We have been lucky to have renters until now. We are having trouble finding tenants and/or selling the home without losing so much money. Could you please help me understand our options at this point. We lose money every month on this home and it is very stressful. Next month I will start paying house notes out of our own pocket if we can not find a tenant. We would love to sell the home. I attended a Roundtable event with XXXX XXXX XXXX last XXXX. I remember her mentioning a type of forgiveness if the home was a short sell due to military moves. Please advise.

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 08/14/2015 about Bank account or service (Other bank product/service) with Fidelity National Financial, Inc (FL).
Issue: Making/receiving payments, sending money

Complaint: Back on 2005, We refinanced our home loan with XXXX XXXX, and Fidelity NationalTitle Group was our title company, and we never got the HUD statement at the time of closing and when we finally received a copy of the HUD1, and disbursement ledger it shows with out our signatures and also it reflects that the sum of {$51000.00} as paid to us from the closings preceeds. We have not recollection of ever receiving or negotiating a check in this amount from Fidelity National, and the reason that I 'm filling a complaint is because Fidelity and XXXX XXXX wo n't help. 
I respectfully request a invesigation into this matter and demand a proof where the funds are. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Debt collection (Payday loan) with National Credit Adjusters, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Nation Credit AdjustersXXXX XXXX XXXX - XXXX XXXX XXXX, Kansas XXXXThis company is harassing me at my place of employment multiple times a day after repeated requests to stop contacting me there. I have never received any written correspondence, nor have they been able to verify any information about the debt, only my home address and an arbitrary account number. The first man I spoke with on the phone told me he was sorry they contacted me and he would have my name removed, but I am continuously receiving phone calls from his associates. They have even gone as far as to leave detailed messages regarding my personal business on our company voicemail that all of my fellow associates have access to. I have paid this in full to the original lender, but they will NOT cease their collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are several account that I have been trying to get removed because they are paid off account and then resubmitted to my credit. XXXX XXXX XXXX XXXX was paid off and still the all XXXX Credit Company want show it XXXX Also XXXX XXXX has reported on my reports after all their equipment has been returned and there is no unpaid balance on this account. XXXX XXXX is another account that was paid off back in XXXX in full and they had some fraudulent activities with in there company and they have added to my report again after it has been paid off. In fact they have the same account on my reports twice and I ca n't get the credit companies to correct them. This has been a ongoing issue for me and I am just trying to get someone to resolve these issues for me because it does n't seem as though the credit companies care or want to do the right thing. I have reported this to the Alabama XXXX XXXX and they still want send me proof of these debts nor will they remove them. I was informed by a mortgage company that there seem to be some inaccuracy and that I needed to contact the consumer finance department to get some resolute. I hope and pray that you can get me the answer I need to correct these error that are ruining my credit. Thank for you help and hopefully these issues can be resolved soon. Unfortunately these account are very old account and I do n't have the necessary paperwork to send but I have asked several time for these companies to validate these debts and they want.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: As you are well aware ~143,000,000 people 's personal identification was leaked via improper security at Equifax . I am " likely '' one of these people, as stated by their website.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I Mailed A Mult iple Inquiry re moval letter to Equifax on   XXXX   XXXX   XXXX   by certified mail in order to dispute information, in regards to  XXXX  hard inquiries that are being reported on my credit report. They Received my letter on   XXXX   XXXX   XXXX   and " completed '' my request on   XXXX   XXXX   XXXX  . The request that I submitted included  XXXX  hard inquiries That are NOT factual, Unauthorized and fraudulent ( as I have now placed a fraud alert and security freeze on my report for unauthorized use of my info ) and yet I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access, if you believe this was unauthorized contact the creditor ''. According to the FCRA rule s, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, The credit reporting agency must delete the disputed information from its files. The fact that I received a response 2 days after their receipt of my certified letter, you can assume no that they did not actually investigate the matter as required by LAW from them under the Fair Credit Reporting Act. I plan to purchase a home this year and having this many hard inquiries on my credit report displays as a sign of financial trouble and that is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for the hard inquiries that DO NOT belong to me. I did not sign for anything and I do not have accounts with these creditors. This is unfair practice by Equifax with no concern for my credit worthiness as a consumer and a clear violation of my legal rights under the FCRA. The following inquiries are the ones being disputed.        XXXX   XXXX     XXXX     XXXX   XXXX      XXXX      XXXX   XXXX   XXXX     XXXX     XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX     XXXX     XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX    XXXX   XXXX    XXXX   XX/XX/XXXX    XXXX   XXXX     XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Mortgage (VA mortgage) with M&T BANK CORPORATION (CA).
Issue: Closing on a mortgage

Complaint: On XX/XX/XXXX we closed escrow on a new loan with a lower interest rate. 

The new mortgage company is XXXX XXXX. 

Our previous lender, M & T Bank, was paid off by XXXX XXXX with the closing of escrow. 
However, on XX/XX/XXXX, M & T debited another monthly payment of {$1300.00}. 
This was a normal payment amount on the original loan. 

I called M & T Bank on the same day, and they admitted it was an error and I would be refunded the full amount in 10 days, XX/XX/XXXX. ( ph XXXX I called M & T Bank today, to confirm the refund which I was expecting but never received. They said they are preparing our refund now, and we should receive a check by XX/XX/XXXX. 
This is creating a financial hardship. I gave M & T the permission to debit my checking account ( XXXX XXXX XXXX XXXX - XXXX, CA XXXX ) and they compromised our family financially through their incompetence. 

I am attaching documents reflecting the closing of the first loan ( settlement ) and payoff to M & T Bank effective XX/XX/XXXX. And debit from my checking on XX/XX/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 08/25/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: I reported this issue before and Bank of America enterprise department denied my claim. I am sending this out again, with an official stamped police report regarding my claim. Within the month of XXXX 2014 my wallet was lost/stolen, someone used my card to access my bank and deposited a fraudulent check. Took money out and everything else and used up my account til flagged by bank of america. I was denied a few times when I put in for a dispute, and I am writing this again because I 've sent the bank an official police report that was submitted by the officer who took my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Other debt) with ERC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX continues to attempt to collect a debt in the amount of {$73.00} that was a result of identity theft. I disputed with them and the credit bureaus. sent both the collection agency and bureaus a formal request and the police report asking that the item be removed from my credit reports. It was deleted but recently readded without notice and caused me to be denied for credit. I have suffered damages because of this and asking you to assist in properly addressing the matter and resolving it immediately. This is a violation of the FDCPA and the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Billing disputes

Complaint: This company is so unwilling to work with the middle class person, whom works XXXX part time job to support XXXX young children. The company did not even offer any type of assistance programs, or even let me use the credit card security benefit plan since I fall well within their guidelines to have the debt removed. The company did not even send out letters, or offer programs to get back on track.

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 05/23/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MN).
Issue: Money was not available when promised

Complaint: On XXXX XXXX, 2014 Paypal " limited '' XXXX of my accounts with them, which is a friendly way of saying they locked the money in them and wo n't give me access to it. Although they refused to explain why they did this, they did tell me that my money would be available 180 days after they " limited '' my accounts. Now that 180 days has passed they 're still not letting me withdraw my money. I have {$1000.00} locked away in XXXX account and {$990.00} locked away in the other account. Can you send them a friendly reminder to follow their own terms and conditions and release my funds to me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 notified Experian by faxing them a copy of some inquires that is on my credit report that I asked them to dispute and they only sent me a letter stating the reason the inquires are listed on my credit report. I tried to contract Experian numerous of times only to be told that my account is handled by a special agent department that I can never get ahold of anyone due to long hold time then by the time I do get a hold of someone I 'm told that they can not dispute inquiries. 


XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXs XX/XX/XXXX XXXX XX/XX/XXXXThese are in inquries are needed to be disputed and deleted off of my credit report and I need Experian to assist this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XXXX XX/XX/XXXX 60 days past due as of XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 30 days past due as of XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 explanation
Consumer complaint received 11-11-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Billing disputes

Complaint: I was overcharged for a rental and I never swiped my card or signed for the charge, yet my Capital Once credit card is being charged for an extra {$100.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/18/2015 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I contacted them about removing XXXX collection account from my credit report that reached the 7 year mark and need to be removed from my credit report. Instead of getting removed, the status got changed along with the amount of time it is staying on my credit report to 2020. 
The credit agency doing this is Experian. I have the XXXX item being investigated that is connected with this account, hopefully they will do the right thing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit reporting () with EQUIFAX, INC. (WV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am in receipt of a letter dated XXXX/XXXX/2015 from XXXX XXXX BANK. Paragraph one ( 1 ) states that credits score is one of the factors that they use in calculating an interest rate and have provided me with the credit scores they used in assessing my application. Credit scores provided are as follows : XXXX XXXX ( XXXX ) ; EQUIFAX- XXXX ( XXXX ) ; and XXXX ( XXXX ). Scores have increased since last week. However credit bureaus continue to report the same adverse key factors that were reported to the XXXX XXXX XXXX XXXX on XXXX, XXXX Bank on XXXX/XXXX/2015, and XXXX XXXX Bank on XXXX/XXXX/2015. Having reviewed each credit bureaus credit report, line by line, I find that information provided does not support these adverse key factors. I find it appalling that creditors continue to accept the credit bureaus information as gospel. Attached are letters that have been submitted to dispute these adverse key factors. The credit bureaus only responses to disputes are the credit reports which do not substantiate these adverse key factors. Customer does not have any say so in the decision making process. Why are these credit bureau allowed to dictate what a customer can or can not have?

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Most recent report of inability to use past payment activity feature of online account management occurred on  XXXX / XXXX /  XXXX  . I requested a past payment activity report of ( 2 ) YTD.

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