milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (AZ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have a My Best Buy Visa Credit Card through Citi who partnered with Best Buy for this promotional credit card offer. I had recently set up an automated payment for the minimum payment due, which on XX/XX/XXXX and and XX/XX/XXXX I was quoted as owing a minimum of {$110.00}. One feature to this credit card is the deferred interest that was unknowingly applied to my automated minimum payment amount due, so I was charged {$630.00}. I was not made aware of this amount due other than a statement notification quoting this amount, received onXX/XX/XXXX, however had received 2 notifications later that month, shortly before my bill due date, quoting the {$110.00}. This issue has caused me a lot of strain, overdrafting my account, delaying other separate payment obligations, and time out of my entire day to resolve this issue to no avail. I spoke to their associates of this discrepancy and they are unwilling to provide a refund of the excess amount. I feel like there is nothing else I can do. I feel bullied around by a financial company that seemingly can do whatever they want, up and change my payment, and don't even have to duly notify me. I please ask if you can in any way offer assistance and insight in this matter, as there is no agreement I can come to with my financial institution in this matter. I thank you so much for your time and understanding.

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 12-10-2015 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: After contacting Equifax to get a dispute taken care of, my name was changed by them because a collection agency told them the name on the account was wrong. They sent them no proof, just said that they knew it was wrong because of the account name they had. When I received the results from Equifax and noticed this, I called Equifax to try to get the name put back on there correctly. They stated that they had to have proof from me ( copy of driver 's license, social security card, passport, etc. ) before they could changed the name. I asked them if they had proof from the collection agency that my name was what they changed it to and they said no but that they had to have the correct name to report to them. When I called back in XXXX, 2015 they had XXXX separate names listed. I told them then that XXXX of the names was wrong and was never my name. They said ok, XXXX names would stay. I accepted that because I was n't sending them anything through the mail for proof. When I received this new information on XXXX/XXXX/15, the other name ( which was the correct name ) had been taken off entirely. I requested that Equifax put the correct name back on there and they said they could not do so without sending the proof mentioned above. Again, I asked how a collection agency could change my name without this information when, I, the account holder could not change it without this information. They said they must have proof from information they had. I stated then they did n't have proof or they should have shown it to them ( Equifax ) as well. They refuse to change my name without these copies and I refuse to send it to them because I do n't want it falling into the wrong hands. 

It is up to them to prove why they changed my name. I have had no problems with any other credit reporting agency. I have no problem sending this information to a legitimate company but do not know why I should have to prove who I am when the collection agency had NO RIGHT to change my name in the first place. They had the correct name on the account when I called in to dispute the last problem. They should have NEVER taken it off without contacting me, either by mail or e-mail. 

I would like to have the correct name put on there and the other removed in its entirety. Please advise what my options are. Like I said earlier, they are the ones that removed the name WITHOUT MY PERMISSION and without any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I recently sent a letter to Experian, requesting the removal of unauthorized inquiries from my credit report. I did not ask for removal of the inquiries I had authorized. I received a letter from Experian stating all inquiries had been verified which is impossible considering I did not authorize these inquiries and have never heard of these companies. The FCRA states : the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The inquiries in question do not meet these requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I was impacted by the Equifax security breach and want to place a freeze on my credit. The fact that I need to PAY money to freeze my credit to fix this giant error by a company that clearly does n't care about it 's customers is just terrible. The American people should get free credit freezes/unfreezes in general.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: I am writing you because while checking my most recent credit report I noticed that there was a published record of a Tax Lien in the public record section of my credit report, now what I believe and what I have been told by the IRS is that an indivisuals personal tax information is NOT PUBLIC INFORMATION, so Im not sure why this would even show as it does to be Public information, so Im writing you this letter in fear that someone has misrepresented themselves to be me. In addition, the IRS agent explains that the IRS does not verify or give out a persons personal identifiable information like social security numbers, complete names or date of birth to any THIRD PARTY. I have recently sent a letter to TransUnion dated XX/XX/2018 asking them to verify the tax lien on my credit report, according to the FCRA if requested they are to give me the information on how this information was verified, as of today they have not. While speaking to the IRS Agent, they advised me that the IRS does not report any personal tax information to any credit reporting agency and that the IRS does not even have a subscription to report to ANY of the credit reporting agency. Also according to the recent litigation rule handed down says that the three bureaus, XXXX, XXXX, and TransUnion have all announced they will be removing tax liens and civil judgments from credit reports where incomplete information exists, according to the XXXX XXXX XXXX, a trade group that represents them.

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 01/23/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: From XXXX of XXXX to XXXX XXXX I lived in the income restricted property, XXXX XXXX XXXX in XXXX, FL. XXXX of the lease addenda stated that if my family size or income changed, I was to report it immediately, and if the income exceeded the allowance, I was to move out within 30 days or by the end of the lease, whichever was sooner. I married, my family income rose, exceeding the allowance, I paid my prorated rent and submitted the 30 day notice, but the manager refused and returned my check and told me I was going to be liable for the remainder of the lease. I continued to proceed with moving out, and when management filed for eviction, I responded and requested an amount to pay into the court registry. However, their unethical lawyer claimed I never replied to him ( he actually never picked up the response I sent via certified mail, which was eventually returned to me. He motioned the court for a default judgment without notifying me, and when I called the court to find out when the hearing was, they told me that the judge had already issued a default. I subsequently filed to vacate the judgment, showing proof that I 'd been denied due process, I was granted a hearing, argued the case myself, and won. The court ruled that I had acted according to the terms of the lease and granted my motion to vacate, ordering that I send the original prorated amount I attempted to give the manager. I actually mailed the check prior to receiving the signed copy of the court order, and still have the certified mail receipt indicating that it was received. Nevertheless, the management company had reported a debt of {$1500.00} to each of the XXXX credit bureaus which they have not only never removed despite my disputes, but most recently reported to Equifax last month. Apparently the collection agency and/or management company is still misrepresenting this, and the credit bureaus are taking their word for it that I owe them this money. They list the account as " opened '' on XXXX XXXX, XXXX, which was 3 months after I moved out of the apartment and two weeks AFTER the court vacated the default judgment. What do I need to do to get this fraudulent report off of my record? Can I sue them for this? Can they be fined? This is n't an oversight ; it is intentional. I am attaching the following documentation : the original Order of Court 's Default ( XXXX/XXXX/XXXX ), Order Vacating Final Judgment ( XXXX/XXXX/XXXX ), Notice of Hearing ( XXXX/XXXX/XXXX ), Order on Defendant 's Motion to Vacate Default Final Judgment ( XXXX/XXXX/XXXX ), the stub from the money order I used for payment ( XXXX/XXXX/XXXX ), and the XXXX Postal Service Return Receipt for the rent ordered by the court, signed by XXXX XXXX 's manager on XXXX XXXX ( the hearing was on XXXX XXXX ; I mailed it the next day ). I want this removed from all XXXX credit bureaus. Your assistance will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My XXXX XXXX was awarded the credit card debt in our XXXX per the XXXX decree XXXX XXXX XXXX XXXX. When I had access to the joint funds, I had paid these and had the accounts in good standing, but since the XXXX, he has neglected to pay them, and it has dropped my XXXX XXXX significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Payday loan, title loan, or personal loan (Pawn loan) with CASH AMERICA INTERNATIONAL, INC. (NV).
Issue: Property was damaged or destroyed property

Complaint: On XXXX. XXXX, XXXX, I renewed my pawn contract with XXXX XXXX XXXX XXXX XXXX and the due date was extended to XXXX XXXX, XXXX. On the due date, I made full payment of US {$140.00} to redeem the pawned goods, an engagement ring ( 14K gold ) given by my boyfriend in XXXX who later became my husband until his death in XXXX. After about an hour, the pawned ring could not yet be located. The customer service personnel named XXXX took my celphone # and promised to call me once the item is found. Shortly after stepping out of the office, I returned to retake the money paid since the pawned ring was not handed to me anyway. XXXX gave me back the US {$140.00} earlier paid & erased the annotation " all ready paid '' written on the pawn contract. A male officer then wrote on the same pawn contract the words " missing will find. '' Until now, I received no call or letter from the company. I dropped by their office on XXXX XXXX & XXXX, XXXX but still there has been no update of the lost item.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Our SUV damaged XXXX/XXXX/15. Ins. XXXX XXXX XXXX subtracted $ from payment because we had " a lien on the car ''. Never any loan for it, never a lien or ever used as collateral, so I contacted Experian to check. Screen came up immediately with all details, including my credit score and reports from all three. Not being aware of the extra charges, I had thought what appeared on the screen was my lawful yearly information. So, I closed the screen. When I accessed my XX/XX/XXXX statement from XXXX XXXX. I saw a charge On XX/XX/XXXX of {$39.00} and another separate charge of {$1.00} ; On XXXX/XXXX/15 further charge of {$21.00}. When I Called to complain, I was told that because I had been given my credit score and all reports from the XXXX credit checkers I had spent {$39.00}. She then carefully asked if I had a {$1.00} which was charged for the yearly report. The {$21.00} was for membership in Experian after a free trial of one month. 

I did not ask for or sign up for membership and did not ask for credit score or all XXXX reports, they were just there. No joy from Experian. I vented my frustration and anger on XXXX and found a wealth of others with the exact complaint. 

This complaint seems to be a common practice and is designed to charge the public a lot of extra money ; even should it be not technically illegal. 

I want justice, I want the practice stopped. People should be told plainly, what they will be charged if they get the credit score number and if they should look at the other companies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/28/2016 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts, names, and addresses I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 07/18/2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: 1st Bank :   XXXX   XXXX   XXXX   they proposed me monthly 3 time trial period payment of {$1700.00}. I was very excited for this and was ready to pay my monthly mortgage to keep my home. After I made those trial payments   XXXX   XXXX   XXXX   transferred my loan to a company called  XXXX .
2nd Bank :  XXXX  started a foreclosure process on my home right away. I was very surprised they did that as I was under a loan modification and have already paid the trial period payments in total of {$5100.00} for the three months time to the previous bank,   XXXX   XXXX   XXXX   I then contacted them asking why they said you are past due for a long time and we will sell your home. They told me I could apply for loan modification and maybe I can be reviewed. After a couple of months sending them all requested documents I have finally approved for a loan modification. They offered me another 3 month trial period payment in the amount of {$2400.00}. I was very shocked to see that the amount went up from the previous offer I received from   XXXX   XXXX   XXXX  . I was very unhappy to the increase in the payment but I had no other option because   XXXX   said if I did not pay and agree to this amount they will foreclosure on my home. So I paid the 3 months trial period payments in total amount of {$7400.00}. And once again after paying I got transferred to another servicer Fay Servicing, who is doing the exactly the same thing.
3rd Bank ; Fay Servicing is my current company now. Same story as with the other banks. I have to redo the loan modification process all over again. I have submitted all documents to them but they still have me under foreclosure which is set for  XXXX / XXXX /2017,  XXXX   XXXX , 2017. I just do not want to be on the streets with my family. Ive paid out of pocket 2 times already to   XXXX   XXXX   XXXX   and  XXXX  in total of {$12000.00}. I dont want to pay out of pocket again just to be scammed for my money that does not go towards anything.
I have given Fay Servicing all required documentation and they have agreed that they have a complete RMA packet they have sent my RMA packet to underwriters for review but the sale is still scheduled for  XXXX   XXXX , 2017. Fay Servicing will be in violation of the Homeowners Bill of Rights Act if they proceed with the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Debt collection (I do not know) with WELLS FARGO & COMPANY (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: For more than six years, XXXX XXXX and its subsidiary, XXXX XXXX XXXX, have tried to wrongfully and unlawfully collect a number of alleged XXXX-party debts from me. 

As a XXXX-party, bulk debt buyer and debt collector, XXXX XXXX and XXXX XXXX XXXX have knowingly and intentionally engaged in business practices that are in violation of state and federal law. 

In every effort to collect an alleged debt from me, XXXX XXXX and XXXX XXXX XXXX have made material misstatements of law and fact. 

XXXX XXXX has worked to collect an alleged Wells Fargo Bank account that continues to ignore the fact that the alleged, XXXX-party debt is barred by the statute of limitations. 

XXXX XXXX wrongful and unlawful statements, practices and acts have caused personal, professional and financial harm to me. 

In 2015, XXXX XXXX continues to ignore the law and settlement agreements. 

Shame on XXXX XXXX, its executive team and its shareholders.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2015 about Credit card () with DISCOVER BANK (PA).
Issue: Rewards

Complaint: On XXXX, I signed up for a double cashback promotion that Discover had offered to its existing cardmembers as well as new cardmembers. Yesterday, I chatted in to make sure it was still on my account. To my disbelief, the chat representative told me they did n't see anything about it on my account and that I had never called in to add the promotion to my account, which is false. I know for a fact I called in, but they oddly have no records of it. I chatted in a month or two ago to confirm ( but chat was a separate issue ) and they confirmed I 'd receive double cashback XX/XX/XXXX. I called in today and was told the same as yesterday. All I want is the promotion I was promised months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Other transaction issues

Complaint: On Thursday, XXXX XXXX, 2015, I completed an on-line transfer of funds intended for a receiver in XXXX in the amount of XXXX. I received notification that my transaction was on hold. The reason given was that the receiver 's name was similar to someone in the system that was n't allowed to use any financial institution. It was requested that I send in identification information for the receiver along with the receiver 's relationship to me. When I explained that I did not have the receiver 's ID info ( photo of driver 's license ), the conversation changed. I was told that WU could not refund my money until they had that information. I requested at that point that the transaction be cancelled because I did not have that information nor should WU demand that " I '' get that for them. Now, after several attempts to speak with someone that could handle this situation, I still have no resolution and my money has not been refunded to my account. WU continues to demand that I send in the receiver 's information because of government regulations/investigation. I was speaking to a customer care rep that actually hung the phone up in my face as I was trying to get more information and understand why my funds could not be released. I am extremely frustrated and disappointed that WU would require me to send in someone else 's information. According to the terms and conditions for residents in XXXX, refunds should be made within 10 days. It is now Monday, XXXX XXXX, 2015, and I have no resolve to this situation. Refunding my money should not hinge on someone else 's situation. I provided WU with my information. I was made to feel that I was being investigated. I simply sent money to a person. I have nothing to do with the situation that I 've been thrust into. Every time I call WU, I am on hold for a very long time, then when someone answers I am transferred to another department and all I get is the run around. I 've received different information from everyone I 've spoken with. It is absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: I am a victim of ID Theft, I had two accounts from Wells Fargo XXXX XXXX. I would appreciate a letter from Wells Fargo. I would like to find out if I am included in the law suit with Wells Fargo.

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