milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: Credit report shows extremely vague public records ( no details ) that I am unfamiliar with. I understand that as of XXXX 2017 public records are not even supposed to be on credit reports. I contacted TransUnion about this about a week ago and filed a dispute. I recently received an email from TransUnion that the results of their investigation were complete. I called into a representative since I could not log into website and told that the public records were still on my report. I asked why and representative told me that he could " refile my dispute ''. I told him that first of all the information is vague on the public records and is n't true that public records are not even supposed to be on credit reports. The representative agreed with me. So why is it still on my credit 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 non-monetary relief
Consumer complaint received 01/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I would like to have my loan dismissed. My previous school XXXX I attended before returning to school for a XXXX degree is no longer open and I should not have to continue making payments. These payments were consolidated into XXXX loan along with my schooling for XXXX. I believe this loan should be dismissed all together or forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Making/receiving payments, sending money

Complaint: I have recurring bill payments being handled by Bank of America being set to XXXX. Beginning XXXX/XXXX/XXXX payments were made by bill payment every two weeks and sent by corporate check ; XXXX payments to be exact. For other payments in my bill payment with Bank of America since I because a customer all my non-electronic payments made via bill payment were made by corporate check. My payment scheduled for XXXX/XXXX/XXXX to XXXX was made by personal check drawn on my XXXX. This action was taken with out notice to me, causing me harm. In my option this was a calculated action of the part of Bank of America to cause myself and other customers harm. The action is a deliberate move on the part of the bank to increase NSF fees which are probably dropping due to the increase use of electronic payment and the drop in personal checks being written. Although their bill payment agreement says that they have the right to send by electronic, corporate check or personal check, the established delivery method over years with the bank voids this and requires that they provide proper ADVANCED notice to me as a consumer. I have been harmed by this negative action and forced to spend additional funds to purchase adequate software to maintain a proper check register because I can no longer rely on the on line banking function provided by the bank to know my balance. I do not write checks out of my account, I do not own any checks for this account. The actions taken by Bank of America are discriminatory and predatory because they adversely impact on lower income customers who maintain low balances. The fees charged have a greater impact on customer like myself who can lest afford to have to pay these fees. According to my XXXX records all my payments scheduled for XXXX/XXXX/XXXX will be going by personal check they are no longer doing electronic payments even.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/13/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Advertising and marketing

Complaint: After month 's of a barrage of marketing material for Citi Advantage ( XXXX ) XXXX Card to replace my XXXX XXXX card from a different bank, I accepted their offer for their card. As part of this deal they promised XXXX additional bonus points if I used the card within 3 months of opening it. In early XXXX XXXX XXXX ) I received a marketing piece in the mail from them that on the front page stated, 'Last Chance Earn XXXX Bonus Points. ' In early XXXX. I charged {$3600.00} on this card, which I paid off in XXXX ( XXXX ). 
I recently reviewed my account and did n't see the XXXX bonus points credited so I emailed them. I received a response that my offer had expired, so no points would be credited. They did not respond to my questions about their early XXXX marketing material and my 'Last Chance ' to earn these points. 
Honestly, I may be outside they claimed 90 days from when their card was issued, I ca n't imagine by too much as I did put this card away for my XXXX shopping. However I submit that their marketing material induced me to use their card, which clearly stated it was my 'Last Chance. ' I also think they know they are wrong and probably have thousands of other customers like me who now are just a little bit unhappy with their Citi XXXX XXXX XXXX card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Shopping for a loan or lease

Complaint: Applied for an auto loan with Capital One Auto Finance and was approved for {$23000.00} then after reviewing bank statements they dropped it to {$12000.00} even though my bank statement showed around {$86000.00} in annual income in the form of bank deposits and electronic deposits so they must have only been calculating one method of deposit and not both. When I called to try and negotiate the deal the loan offer had expired the day prior and a new application needed to be submitted and upon submission they then declined the loan and the reason they informed me was due to an eviction, liens that do not exist on any bureau report and are completely false and i was never informed of where they got that information and was told I could dispute it via mail if I chose to.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit card or prepaid card (Store credit card) with WELLS FARGO & COMPANY (AZ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XX/XX/XXXX, I made a recurring payment of {$100.00} to my XXXX XXXX XXXX Credit Card to satisfy my payment due on XX/XX/XXXX. However, the minimum payment amount was actually {$100.00}. I failed to realized that my payment amount had increased after a recent purchase. In late XXXX I received a collection notice stating my account was past due. I called the collections department to confirm they had received my XXXX payment that cleared my bank account two weeks prior to the due date. I was informed of the payment shortage and acknowledged that I failed to adjust my monthly recurring payment after a recent purchase that increased my balance. I stated that I would make a one off payment immediately to bring the account current ( a {$30.00} payment posted to my credit card account on XX/XX/XXXX ). I asked the representative to reverse the {$27.00} late fee as a one time customer service gesture. The representative agreed. On XX/XX/XXXX I logged in to my online account to check the balance for a promotional financing offer that I knew was expiring soon. At that time I noticed that there had been no adjustment made for the {$27.00} late fee that was assessed on XX/XX/XXXX. On XX/XX/XXXX I called customer service to explain the issue and spoke to three different representatives who stated that there was not record of a promise to waive the fee and furthermore they would not be able to reverse the fee. I even requested to have the fee reversed on sheer principle since I 've been a long term customer, have never been late and always pay my promotional financing in full before they expire ; all separate from the fact it 's quite egregious to charge {$27.00} for a {$7.00} partial payment shortage. I was finally transferred to a resolution analyst who stated someone would review and get back to me before XX/XX/XXXX. At this rate, the expense that they 've incurred via several phone calls that were each in excess of 10 minutes and the value of time I 've personally spent - far more than {$27.00} has been exhausted. This issue could have been easily resolved and I 'd be a happy customer with the first call, I 'm ok with the oversight and the need to make a second call but at this point the lack of service is unacceptable.

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 04/21/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I disputed information, no valid debt confirmation was recieved within the period allowed by law. the information is still reported on my Credit and has not been removed

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (I do not know) with I.C. System, Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: IC Systems ( XXXX XXXX XXXX ) has called my home phone number multiple times since XX/XX/2017 looking for an " XXXX XXXX XXXX XXXX '', a person who does not live at this home. Has demanded multiple times confirmation of this address, as well as previous addresses.

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 11-07-2016 about Payday loan () with Enova International, Inc. (TX).
Issue: Charged fees or interest I didn't expect

Complaint: Customer ID : XXXX CNU Cashnet calls my phone 6 times a day i have my phone log save constantly harasses me. I am on a credit management plan and they do not want to wait for payment. She keeps harassing me to borrow money to pay them. She has called my work phone several times and I advised her not to

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (WV).
Issue: Deposits and withdrawals

Complaint: I received a letter dated XXXX XXXX, 2016 ( the " XXXX XXXX Letter '' ) from JP Morgan Chase Bank , NA ( " Chase '' or " the bank '' ). A scan of the XXXX XXXX Letter is enclosed herein as Exhibit # XXXX. I have had a checking account with Chase for over 15 years. On XXXX XXXX, 2016 I checked my balance by using the bank 's text message service. The text message response from the bank indicated balance of {$1700.00} in my account. A copy of the text message I received from the bank is enclosed under Exhibit # XXXX. On XXXX XXXX, 2016 I went in person to the bank 's branch in XXXX XXXX XXXX ( the " XXXX branch '' ). The teller at XXXX branch informed that I have {$1700.00} in my account. A copy of the receipt the teller produced is enclosed as Exhibit # XXXX. On my request the teller withdrew {$1700.00} from my account. A copy of the receipt the teller produced after withdrawing {$1700.00} from my account showing the remaining balance of {$0.00} is marked Exhibit # XXXX. The XXXX XXXX Letter alleges that my account has been overdrawn. Evidence described above and presented herein demonstrates that my account has not been overdrawn. I disputed these allegation by sending the bank a letter via XXXX CERTIFIED MAIL No XXXX XXXX XXXX XXXX XXXX that included all Exhibits stated in this complaint ( the dispute letter ) and asked that the bank reimburses me for excessive fees the bank has charged my account for the allegedly overdraft. The bank has ignored my dispute letter and charged my account with numerous fees including allegedly Insufficient Funds and Extended Overdraft fees. My XXXX XXXX dispute letter clearly stated that I dispute these allegation and notified the bank that should the bank continue to charge my account with these unjust fees I will have no choice but exercising my legal options. XXXX XXXX XXXX, 2016 at about XXXX a bank representative made a harassing phone call to my cellular phone, demanded that I pay money to the bank, and threatened that the bank will report me to debt collectors and financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX is showing a negative account being reported from 2012! this should not be on my report.

Wells fargo delear services is also doing the same thing Please erase files off of my report. Account is being shown inaccurately and hurting my credit report. 

I am a hard working individual that never misses a payment. All of my bills are paid on time. I can show my credit report to verify. 

I will attache where my dispute was approved after a through investigation from another bureau. Both accounts have been deleted from other bureaus. 

Please help me. Many Thanks

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 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (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: XXXX is reporting an account that was showing a XXXX  balance last month is now reporting a balance of XXXX the account is XXXX XXXX XXXX XXXX. This account was reporting XXXX now its reporting with this balance it made my score decrease by 55 points. This should have never happened. I fully expect XXXX to correct this wrong information and report like it did last month as an account with a XXXX balance. It took me months to finally get this account corrected and now its back to square one. Having this wrong information reporting is causing me a hardship with obtaining substantial credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Debt collection (Credit card) with CITIBANK, N.A. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was paying out a credit card with a balance of {$580.00}. It suddenly had an increase of & gt ; {$200.00}. I told them it was incorrect, but they refused to listen. This is a Best Buy credit card issued by Citibank , N.A . They are now calling my work about 10 times a day. The front office worker is getting very upset. Everyone has told them to stop calling, but they wo n't. This is serious harrassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2017 about Debt collection (Credit card) with NAVY FEDERAL CREDIT UNION (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is a credit card and loan that is reported on my credit report as closed and charged off, After making deposits into my account with Navy federal they have illegally withdrew {$2300.00} from my checking and savings account, Without prior knowledge! I am a single mother and XXXX XXXX student. I 'm not receiving much income and now will be put out of my home due to this negligence. No one informed me of these illegal practices!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Debt collection (Medical) with Receivable Solutions, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX XXXX XXXX showing for {$55.00} Original was purchase by Receivable Solutions and I paid in full {$400.00} on XX/XX/XXXX for all medical bills to Receivable Solutions for this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
Issue: Taking out the loan or lease

Complaint: This is NOT a duplicate complaint. 

This was my original petition : '' OneMain Financial- Pay Status and rating key are conflicting. Contradictory and inaccurate. Demanding that OneMain Financial request account deletion from all credit reporting agencies ( XXXX, XXXX, and XXXX ) '' Please note my attachment. It clearly notes and backs my claims. You will notice descrepencies in XX/XX/2011. The Rating Key is coded as a charge-off XX/XX/2011, yet the Last Payment Remark indicates that the account was Charged Off. This is contradictory. Because of such, it is erroneous credit reporting and therefefore I am demanding that the account be deleted from all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I wanted to write you a formal complaint letter with regard to my loan modification. My loan was sold from XXXX to Caliber early this year. I completed an application for a loan modification following the sale. In XXXX, I received a proposal for a trial period of XXXX months. The problem was that monthly payment was the same as my previous, and the proposed terms was not a modification at all, but rather a 5 year interest only payment arrangement. During this time I was out of town for work, when I got back I immediately called Caliber homes to discuss that this was not a loan modification and that the monthly payments needed to be lowered, as due to divorce and other hardships I fell behind on my mortgage payment. However, I also stated that with the right loan modification, I would be able to make regular payments as I have good stable income, been with same company for XXXX years, and I want to keep my home and stay in my home with my XXXX kids. 
Caliber informed me that there was nothing else they can do, because I have missed the XXXX week deadline for appeal, since then I was trying to work with HUD, and other mortgage counseling agencies, with no results. 
I want to insist that Caliber homes review my file and hopefully provide a real land modification. 
I am still working toward and want to find a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: This is my second compliant. I keep getting stall tactics & alternate methods of not being held accountable. I have sent the credit bureau all the information from my direct dispute with the data furnisher and the CRA has ignored my request to remove items which are being reporting inaccurately, are unverifiable, are incomplete or are untimely. I 've sent them correspondence through CFPB & via certified mail & still they 're claiming they dont have enough information to remove the inaccurate information. I 'm resubmitting my request to have these items removed from my report based on the FCRA. I 'm including everything which demonstrates my timely response & methods used to verify the accounts which they claim to have verified ... The following accounts have not been able to provide me with any information these accounts belong to me nor have I received anything reflected they are reporting correctly : 1. XXXX XXXX XXXX # XXXX Please delete 2. XXXX XXXX # XXXX Please delete 3. XXXX XXXX XXXX # XXXX Please delete I would like them removed 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 explanation
Consumer complaint received 05-09-2017 about Debt collection (Auto debt) with Vital Solutions, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Vital Recovery Services , a debt collection agency, keeps calling me to collect on a matured auto lease. I have informed them multiple times that the account has been paid in full and closed ( which I confirmed with auto fina nce company ), but t hey will not listen and keep calling to hassle me. I told them to contact the auto finance company directly to sort out the issue, but they have refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On X/XX/18 Equifax raised my score six points, On X/XX/18 Equifax decreased my score six points. Equifax states that I hace used 250 % of my credit. Balance is just XXXX on a XXXX XXXX with credit line of XXXX Doing the math, it does NOT make sense. The credit line Utilization is only 4.5 %. I have been trying to contact them via internet dispute and phone calls. No success. Equifax have not been reporting my scores accurately and hurting me in the sense I am being senies credit. I ask, to contact XXXX XXXX and all the Proof is there. Dates,  Account balances. I demand for ALL my credit be reported accurately according to FCRA secrion 609.. And also ask Equifax to fix their wwbsite dispute page that doesnt work. I understand that under FCRA, Equifax has 30 days to respond to this dispute/claim. My Fico score should be above XXXX and Equifax is keeping me down. The proof is there. Equifax needs to contact XXXX XXXX and correct the issues and report correct info on my profile. 
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Called my work and my wifes work. Saying they were going to send me a subpoena, If I did n't call them with in the hour. I called them and they are telling me they are issuing subpoena to me and my wife. They claim to have sent me paperwork on this three weeks ago, I received nothing. I asked them to send me the document again they claim to not have the document anymore. They offered me a payment plan of {$990.00} on time or a 5 time payment plan of {$330.00} or they would have to send me a subpoena today. I told them to have the local Sheriff deliver it to my home address. The gentlemen got upset and hung up on me. This dept is over 12 years old and this is a third party dept collector.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation