milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was never formally notified about a store credit card account past due and it went 90 days before I found out what had occured. I then called the credit reporting agencies for guidance and they advised me to work it out with the creditor. I called and explained my situation several times and the last time we spoke they said they were looking into it. The next communication I received was a cancellation of my credit card due to non payment, in the middle of my dispute. I then tried to get resolution and find a way to get my account reopened but all they would keep telling me was to try to open a new account. No help at all. I was going to speak to a lawyer but thought I could work it out on my own. It was never resolved and I am still very upset. I later found out this was all caused by a {$6.00} credit card charge that I was unaware of because I was not receiving any statements!! I have boycotted the store ever since. I would like to get the credit card account reopened ( because of the long credit history I had with it ). And also, have the derogatory account status reversed. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Consumer Loan (Vehicle loan) with NATIONWIDE ACCEPTANCE CORPORATION (CA).
Issue: Problems when you are unable to pay

Complaint: I surrendered my vehicle in a bankruptcy that was discharged in XXXX of last year. The lender has refused to pick up the vehicle after repeated calls. I could n't afford to keep the car registered so the California XXXX put a levy on my bank account via the California Franchise Tax Board. I have {$0.00} in my bank account and no one will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am filling a complaint against Equifax credit. I have submitted documentation to Equifax numerous times over the last 2 years and have had no resolution in the matter. I have provided documentation on a tax lien that was satisfied two years ago and they refuse to remove from my credit report. They state the reason they will not remove the tax lien is because they have a retention rule that keeps it on my credit report for 10 years and the only way to remove is if the court will electronically send a letter stating the acceptable removal of the account. Upon communicating with the courts they do not provide the letter requested by Equifax and they have already sent a letter of satisfaction to Equifax. I have done this with the other two credit companies XXXX and XXXX and they have removed it from my credit report and Equifax refuses to. This matter is severely hurting my approval for a business loan I have applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: this unknown account needs to be removed from my credit report because it is causing me and my family a lot of stress. thank you XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms Date Opened XX/XX/XXXX Account Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/XXXX Balance {$6100.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$6100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing statement

Complaint: Macy 's American Express Credit Card ( " AMEX '' ) failed to deliver my e-statements through the XXXX XXXX XXXX Bill Pay for three months in XX/XX/XXXX. During those three months, AMEX continued to incur and accrue interest and penalties on my account. On XXXX/XXXX/XXXX, I had phone conversations with XXXX different AMEX customer service representatives attempting to resolve the situation. During one of the phone conversations, a representative indirectly refused to mail me the missing statements ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and my request to speak to a supervisor was denied as well. In addition, some of the key information provided by the XXXX customer service representatives during the phone calls was inconsistent with the information listed in the XXXX XXXX XXXX XXXX/American Express Credit Card Agreement regarding the billing statement. 
My AMEX credit card account was opened in XX/XX/XXXX. Since then, there has been no change to my AMEX account and account number and the XXXX XXXX XXXX Bill Pay and e-statements through XXXX XXXX XXXX. On XXXX/XXXX/XXXX, I paid the cumulative interest and penalty of {$100.00} in the XXXX, CA Macy 's Department Store to stop the AMEX account from continuing to incur interest and penalties while the complaint process continues. 
As of today, AMEX has not delivered my missing statements. Please see the attached personal statement and supporting documents for details.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently ordered my credit report from XXXX and noticed that there were a few inquiries that I did n't recognize or authorize : XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these are the inquiries that are unauthorized and unrecognizable. I called and spoke to a representative and he stated that there was nothing that he could do to help me. I put an fraud alert on my credit report for XXXX and XXXX for reasons like this.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Rewards

Complaint: I have had a cash back credit card with Citibank ( Citi Dividend Card ) that allows you to earn XXXX % every quarter on different types of purchases. It advertised XXXX % cash back when you use your card at The Home Depot and any home and garden store between XXXX XXXX and XXXX XXXX 2015. I made a {$620.00} purchase of an outdoor canopy for my backyard at XXXX, which sells home and garden merchandise and is a direct competitor of Home Depot, on XXXX XXXX, but was denied the XXXX % cash back because they claimed XXXX was a wholesale store and not part of the promotion. I believe this is false advertising on the part of Citibank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/27/2017 about Mortgage (Conventional fixed mortgage) with TIAA, FSB (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I just refinanced my mortgage with Everbank. My loan went through and the old mortgage was paid off. But in the time between the payoff and the automatic payment of my XX/XX/XXXX mortgage ( which was not supposed to be paid ), the bank took out the monthly payment, a mistake on their end, and instead of refunding that payment to me, they applied it to the new mortgage. I told them that I wanted the entire amount that they owed to me to be refunded. I am still waiting. They are telling me that they can only refund a partial amount. It was their mistake, and I want all of the money owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Debt collection (Other debt) with CITIBANK, N.A. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: this debt was paid in full but is still being reported as a collection and a late payment

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 10/21/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: My Bank over charge me twice for Overdraft fee which is not right.

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 08-03-2015 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Account opening, closing, or management

Complaint: My late aunt opened a simple savings account in trust for my brother at Capital One Bank in XXXX. She passed away in XXXX and I have been trying, as POA, to get the account closed and a check issued. I have had a great deal of trouble with the bank in what should be a simple transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Credit card () with SYNCHRONY FINANCIAL (IN).
Issue: Other

Complaint: I was never late in paying my GECRB/Shaw. The account was on autopay set up through Synchrony Bank and that had been the mode of payment since establishing the account. I paid the account off in XXXX. I do n't know how they can justify destroying my credit by stating that I was 30 days late, four times for account number XXXX and that my account was closed by grantor. My credit score has dropped at least XXXX points because of this false reporting to all XXXX credit bureaus!! When I call and wrote ( certified mail, twice ) Synchrony Bank they refused to take this enormous mark off my credit. That account has a zero balance and was closed at my request. This behavior is not in good faith and I dispute the last report to the credit bureau. Please investigate and remove the late payment from XXXX and XXXX off 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 explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: They told me they couldnt access my account because of a creditor & I have nothing on my report! Just call back and see if you can access it then!

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 09/14/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (LA).
Issue: Application, originator, mortgage broker

Complaint: Dear SirsUS Bankloan numberXXXX XXXX XXXXI am writing to you because I have some concerns with this " MISTAKE '' by US BANK .. '' DISTRESS OR FRUSTRATIONS '' Yes we did a short sale, due to my a unforeseen Illness in myself and I could not work in XX/XX/XXXX, We did not buy nothing for over three years, just made sure we repair our credit. 

because of US Bank mistake we have higher Auto insurance, we could not even get renter insurance, because of itwe are now paying higher interest rates on our vehiclesIn XX/XX/XXXX we started the process of buying a house After 5 years of waitingwe paid for escrow ( non refundable ) XXXX we paid for a home inspection ( XXXX ), we paid for appraisal ( XXXX ) to be done and a HUD inspector ( XXXX ) because we were trying to get a foreclosed house and get a XXXX loan. title work. because on XXXX XXXX XXXX report it only states paid in full.. but in cyber world it was showing pre foreclosure so we were denied the loan. My loan officer told me it was something about a house in pre-foreclosure But I told her it was a Short SaleSo we lost that house, I paid all my new debt, per my Loan officer next time we should not have a problems, just your Autos on our credit with over 19 % interest rates because of our creditso I waiting XXXX months this time, the same house came back on the market, we put in a offer and put in our money to escrow this time XXXX non refundable and another appraisal XXXX because the other XXXX had expired, I new I was going to get the house, I was approved for a conventional loan, But I had some Disputes on my credit report I had to undo those and my loan office said had to run XXXX again and it came back " approve with caution '', because of a pre-foreclosed on credit.. 
now I called the US Bank, I called I pleaded I explained I had my paper work I talked to over XXXX people in customer service .on a conference call with the XXXX XXXX XXXX XXXX and US Bank , still not fixed talked to loss mitigation, faxed at least XXXX faxes showing cash sale deed and my husbands credit report ..they told me they could not do nothing they only kept there records for XXXX years that no body could help .. 

Why writing to you I need to be compensated for all the money I have had to pay out for US Bank mistakes, But the moment I reported to the XXXX, Now XXXX US Bank have " Customer Advocacy Specialist " all the sudden why did they not tell me that from the beginning I lost a lot of money and time because of US bank mistake the customer service they were rude, and would not let me to talk to a manager, telling me do this! do that! that it could not be done unless I disputed it, because of this I lost the house again and I am very upset about this .. 


XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: OCWEN mortgage has done to me what they did to consumers who have lost their homes. I have been to small claims court XXXX and prevailed each time, however OCWEN has not stopped forecloser notices and fees I do n't owe them. They have just appealed the Judges small claims courts ruling where I prevailed with a {$6300.00} award. OCWEN refuses to stop reporting delinquent credit reporting. They have ruined my credit since this nightmare began in 2013. I tried refinancing with another lender and OCWEN refused to provide a payoff. My complaint against Ocwen is that they have imposed unauthorized fees, multiple abuses in the mortgage servicing process, to date continue to place my mortgage payments in escrow account and last month put my mortgage payment in a suspense account, so my payments show delinquent, and I am in default according to their records, and charged multiple fees for certified letters, inspection fees and other fees. This all began when they began escrowing for insurance I was already having debited from my bank account.This resulted in more late fees and my principle payments not being applied by OCWEN. Once OCWEN acknowledge confirmation of insurance they began duplicating my insurance payment to XXXX XXXX. I read about the class action suit and see they are still doing what States have sued them for. I need my credit restored and them to bring my mortgage current. Both times in small claims court I have proven their wrong doing, yet they refuse to correct my mortgage, and now appealing the Judge 's order. Money is tight and they know attorney 's are costly that I will have to hire an attorney for the higher court. Please help ... we liked our lives back and to keep our home. OCWEN has had XXXX different attorneys from the same law firm, and each does n't know what transpired in the prior court proceedings.Their lawyer XXXX reprised against me by canceling my monthly statements, bullied me, threatened to take my home, and I have limited access to their customer online site, due to the delinquency, that does not allow me to make online payments, that other OCWEN customers have access to. This litigation has gone since 2013, and during our litigation they continue to bill me for certified forecloser notices, when they are at fault. What they claim I owe them varies, by phone, correspondence, and their online site. The Judge had OCWEN customer service on speaker that demonstrated what the OCWEN Attorney was alleging was not what OCWEN customer service stated via phone in the courtroom, that in fact there were not XXXX delinquent payments, that payments were placed in suspense and escrow accounts and would be corrected. OCWEN attorney 's put a gag order on OCWEN customer service not to communicate with us further. We are desperate to resolve this, we ca n't buy cars or get any loans due to OCWEN. The stress has affected my health during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: All 3 major credit bureaus have illegally hoarded my personal information without this consumers express written consent, pursuant to the 1974 privacy act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the fair debt collections practices act, all 3 bureaus mulishly and collectively shared this consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions and a host of others.
Fair Credit Reporting Act False and Misleading Practices Truth and Lending

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 03/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I only have XXXX credit card with XXXX. XXXX cards with XXXX different balances are showing up. one needs to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I had two transactions that are a result of {$35.00} overdraft fees applied because of transactions that are under {$10.00}. On XX/XX/XXXX I made a transfer transaction from my second checking account to the primary checking account. I transferred {$30.00} to my primary account. A {$6.00} purchase was made and my balance was {$23.00} for some reason I was charged a {$35.00} overdraft fee when my SSA direct deposit was posted on XX/XX/XXXX. This action could not be explained by the Bank. On XX/XX/XXXX a transaction came in for a preauthorized debit of {$10.00}. I made a deposit on XX/XX/XXXX XXXX where it showed a -XXXX where a overdraft fee was not applied. Shortly after I made the deposit a overdraft fee was applied but the account shows a {$15.00} balance that I thought was available.I tried to use the available balance to make a purchase and was declined. I contacted the bank and request a courtesy of returning my money and was told that I I will be charged a overdraft fee which was applied later in the day and a follow up overdraft message was sent to my phone shortly after. I understand their procedure but why not send a reminder that you have a negative balance and to make a deposit. The bank used to do that in the past but they are so hungry for taking money from people that are on a fixed income and I can not afford to give the Bank overdraft fees on a monthly basis. I would like to be advised if I can possible sue for not making customers aware of negative balances and choosing to charge overdraft fees any time of the day without warning. This resulted in a transaction that was denied because I was unaware of the overdraft charge until I called and discussed with the Bank. Shortly after speaking with the Bank they decided to send a overdraft message to my phone but it was too late I thought I was in the positive. Please help. Citizens Bank repeatedly charge overdraft fees and take away from customers that are on fixed income and deliberately taking money for overdraft fees.

Company response to consumer: Closed with monetary relief