milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (WI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There is an inquiry on my credit report from Wells Fargo, I called to dispute and was told they received the application drom XXXX XXXX. I called Lending tree and they said they don't work with Wells Fargo and that was an error. I just want it removed as I did not give permission for Wells Fargo to do a credit inquiry.

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 07/29/2016 about Credit card () with SYNCHRONY FINANCIAL (KY).
Issue: APR or interest rate

Complaint: Synchrony Bank purchased the BP Visa Card program and raised my interest rate to over 27 % on outstanding balance and purchases. I called customer service to request some explanation and a lower rate and they said they can do nothing. I am in a position where it is difficult to pay the balance right now, but I seem to be stuck paying a huge portion of my payment each month to interest.

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 09-05-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio Recovery is still hounding me about a XXXX XXXX REward Zone MasterCard account. The account was mine, HOWEVER, I had full coverage of payment protection plan for that account and completed the application for total dismissal of the entire debt due to illness and XXXX. I carried that insurnace on all of my credit cards, XXXX of which were XXXX at the time. I was working, contracted XXXX, became too ill to work and was put on total XXXX. I was found to be XXXX by the social security administration besides my XXXX doctors and you do n't get that unless you are nearly on your death bed, which I was. XXXX should have never sold my accounts as collections. They had all the information through the insurance company. This was from XX/XX/XXXX to XX/XX/XXXX even into XX/XX/XXXX by the time i took the year long XXXX. Although cured, I remain XXXX. XXXX and their insurance company kept losing my information, had my accounts a mess and none of the accounts should have ever gone into collection. I have suffered a great deal over all of this. I have told this to Portfolio Recovery numerous times over the past years. They could look at a statement of mine and see that I paid for the payment protection plan every month. They are now showing a balance of {$1500.00} on my credit report AGAIN. This has caused a great drop in my credit score. I am not denying the account I am disputing any balance whatsoever. Due to being a victim of XXXX presidentially declared disasters in XX/XX/XXXX, XXXX and XXXX ( FEMA disasters ) XXXX XXXX and XXXX XXXX from the floods in Texas, I have lost my home and any paperwork and documentation. My home is still unihabitable and there is no way to prove any of this as it is so old anyway. Portfolio Recovery already has a classaction lawsuit for their behaviors and I believe the CFPB filed a complaint. I received a postcard to complete in order to join the lawsuit so this type of behavior from them should not be surprising. I want this removed from all credit bureaus and any credit card companies that show credit scores. I will not deal with them on this type of level again and am not opting to join the class action suit so that I may pursue this myself if need be. This has kept me from being able to get a home repair loan so that I can live in my home again. I have lost everything except some clothing and a few odds and ends and my vehicle. Starting over at XXXX years old on very little income and being XXXX where I ca n't do much of the physical work myself is a nightmare. Thank goodness I was able to supplement my income a bit with online income but I am still in the low income bracket. They need to leave me alone, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Due to Equifax 's Security Breach, I have been checking my credit and trying to freeze my accounts. I have contacted the FTC and my bank ( XXXX XXXX ) who directed me to speak with Equifax which I have tried ( XXXX XXXX, XXXX ). The company has shut down/disabled it 's customer service line and its phone-based credit freeze ( XXXX and other numbers ). The redirected " incident '' call center ( XXXX ) is not technically Equifax, but rather a call center company, and can not answer any real questions about their services and what signing up for TrustedID Premier does. For instance, I have read that it waives my right to class action suit if I sign up. I have also read it auto-enrolls you in their service after a year meaning I have to pay for their mistakes! Absolutely absurd! 

There is recent news Equifax might give you a randomly generated answer for whether an individual was affected by the data breach. Because the FTC will not allow me to file for ID Theft unless I can confirm I was a victim or my ID has been misused, and because Equifax has indicated that they " BELIEVE I MAY have been affected '' by the data breach. ( how ambiguous is that statement from them by the way? ridiculous right?! ) If this is a randomly generated response, this is a clear violation of my right to know if my personal data and credit reports were leaked without my consent by this company. Its pernicious and misleading. 

I have also attempted to contact XXXX but their lines are also shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: On Wednesday, XXXX XXXX XXXX I tried to place a credit freeze through Transunion. Their process is unnecessarily convoluted and not at all reliable. First I had to wade through innumerable ads to use their own " lock '' service instead of the freeze I already knew I wanted. Then, instead of simply identifying myself and receiving a PIN on one simple page as with every other credit agency, I was forced to sign up for a Transunion account. 

The account creation process itself is an exercise in poor web site security practices, including silently truncating passwords over an arbitrary length, outdated " secret questions '', plain text entry fields for dates instead of date pickers, required manual formatting for dates, complexity requirements that are n't explained anywhere, and misleading or blatantly incorrect error messages. 

Once I fought through all that mess, I finally was allowed to actually request my credit freeze. After adding my payment information and answering the identification questions, I reached the standard commit page that warned me not to refresh the page or press the back button. Once everything appeared to complete and I was redirected to confirmation, the page at https : //freeze.transunion.comXXXX did n't even load! I now have no idea whether my freeze is in place or I have been charged for it. 

With everything that XXXX has done over the last several months, this sort of incompetence on a public facing web site of a credit reporting agency is simply gross negligence. And these agencies have the gall to charge us for their services.

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 08/28/2017 about Credit card or prepaid card (General-purpose prepaid card) with CITIBANK, N.A. (WA).
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint: Hello, I used a Citi issued prepaid card at a Citi ATM at the Citibank located at XXXX in XXXX, IL. 

I needed {$1800.00}, however, I did not know the daily limits on my card. I requested a {$1000.00} and the transaction went through. Then I requested {$800.00}. That transaction went through as well. I received XXXX receipts for {$800.00} and {$1000.00} debits to my prepaid card balance. I started counting the money to realize that I only got {$500.00} each time. Citi shorted me {$500.00} for the first transaction and {$300.00} for the second. I took the XXXX stacks of bills and the receipts and immediately went into the branch. They refused to review my transactions, did not count the money I got, and told me to call the number on the back of the card. This is a Citi card! They did not attempt to balance the ATM either. They said the Citi card I had is not issued by the retail side of Citi, and they do not service the drive-through ATMs - which are physically under one roof with them. That is serviced by yet another 3rd party. They called the prepaid card to see if indeed they debited the {$1800.00} as was stated on the receipts and confirmed that they did! At that point I am talking to an assistant branch manager and the branch manager who clearly do not want to do anything. They did not file a report, count the cash. They did nothing. The assistant branch manager pulled out a couple of binders and tried to read some procedure, then she just closed the binder. 

The branch manager also stated that I claim ( claim!!! ) that I gotten {$500.00} each time. The transactions happened minutes before this conversation. I offered for them to search me and my car as there was no time to have hidden the money anywhere else. 

No one apologized even once! They treated me like it was my fault, especially the manager himself. No one once assured me not to worry and that they have means to reconcile these transactions. Not once! 

I called the number on the back of the card. They indicated that they will provide me with the dispute form and they expect to be able to find the money, however, the process will take 45-60 days. What if I need the funds sooner? Now? There was no  concern about any potential hardship for me. It was an unbelievable experience.

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 03-01-2017 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Rewards

Complaint: Walmart sent me email promotion on XX/XX/2016 promising {$50.00} e-gift card within 10 days if I applied and was approved for their XXXX through Synchrony Bank. I applied and was approved the same day, XX/XX/XXXX. I received the MasterCard ending in XXXX. I have not received the {$50.00} gift card. When I call Walmart, the only response is that they are working on it. It has been well over 2 months.

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 06/22/2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: I have an HSA account with Bank of America. It is horribly managed.     I wanted to close it and transfer the money to another  HSA ac count, but was told I would need to pay a {$25.00} transfer fee on  XXXX   XXXX ,  2017 . This seems absurd 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 monetary relief
Consumer complaint received 10/14/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (IL).
Issue: Problems when you are unable to pay

Complaint: On XXXX/XXXX/2016 a complaint was lodge against ally financial inc for allege fraud via complaint # XXXX. Evidently this information was not pass down to its PAYMENT PROCESSING CENTER [ who letter was dated XXXX/XXXX/2016 ] who are threatening me with negative entries to the credit bureaus, this is in direct violation of Federal law, pursuant to [ 15 USC Section 1692c ( c ), ( e ), & ( g ) et seq. ] the same being violations of [ 18 USC 1512 ( a ), ( b ), ( 2 ), ( 3 ), and Section 1513 ] with fines of {$250000.00} or imprisonment not more than 10 years, or both '', this is a DEMAND NOTICE to cease all further communication with me concerning the alleged debt that I have disputed with ally financial inc. 's and ally financial inc. 's CFO ( CHIEF FINANCIAL OFFICER ) regarding this matter. The PAYMENT PROCESSING CENTER is guilty of dishonor of my exemption and Bond sent to them on XXXX/XXXX/2016 via registered mail they are also in violation of copyright infringement, breach of trust, and extortion ...

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 11-01-2016 about Debt collection (I do not know) with Midwest Recovery Systems (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I was told that I was being sued over an unpaid debt from 2012. They said I needed to turn myself into the sherriff 's office to avoid putting myself or others in danger. I have no idea what this is, but I know it 's a scam. The internet is full of complaints about this EXACT behavior, EVEN DOWN TO THE AGE OF THE DEBT ( 2012 ). 

They have called me repeatedly, as well as my XXXX year old mother who lives in a different state. They threaten and use any number of illegal tactics. 

Today this phony debt showed up on my XXXX credit report. I filed a dispute with them too.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed inaccurate information on my credit report with XXXX companies ( XXXX and transunion ). XXXX got back to me within 1-2 weeks and removed the innacurate information. Transunion has not done the same and they did an inadequate investigation and I have further disputed it. I have submitted to them proof where XXXX has removed the innacurate information but transunion sent me a letter where they stated that they could not find my credit report. I have submitted to them all of my information including the file number. They are delaying and denying my claims and they are doing so in a criminal and fradulent manner. I have contacted them 2 times by phone and 2 times by fax and they refuse to resolve my complaint.

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 07/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a a XXXX interest only loan with NationStar. After 10 years the loan converts to a 15 year amortized loan. There are two years left in the interest only period. There are no prepayment penalties. 
I now have funds to pay down the principal by XXXX. I called NationStar and they said I could do that but simply needed to submit a recast request. I did so and received a written reply that a recast was not " available ''. When asked on the phone why not, the agent was unable to answer and unwilling to transfer me to someone who could.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (CA).
Issue: Was approved for a loan, but didn't receive the money

Complaint: Between XXXX XXXX I did not get the money what do you want me to do that deposit some money in my account and you want me to get the money out of my account to purchase some XXXX cards and then I take the numbers and put into the system I never heard that before. Heroes the two phone numbers XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Mortgage (Other mortgage) with Ditech Financial LLC (ME).
Issue: Loan servicing, payments, escrow account

Complaint: we have been with green tree for 16 years they have harassed us from the being they have threated calling all the time, the were charging us extra saying it was for our property taxes and we recentally found out they were n't paying our property taxes we pretty much have been paying over a {$1000.00} a month for 16 years and still owe almost as much as we did when we started, this company needs to be shut down

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: This complaint is about the temporary lifting of a Security Freeze at TransUnion. In XX/XX/XXXX I established a security freeze at all XXXX bureaus. They have never been lifted. I have been very physically XXXX for over 3 years and require XXXX care. I especially need help to deal with matters such as this. In XX/XX/XXXX the XXXX XXXX XXXX XXXX XXXX CO destroyed 100 % of my home and belongings. Now my husband and I are trying to start rebuilding and as such need to obtain a construction loan. Using XXXX and XXXX web sites my husband was easily able to temporarily lift using my PINs for a date range starting now their freezes. The same attempt at TransUnion failed with a " system error ''. My husband has spent over XXXX hours on the phone over 2 days with more than XXXX different TransUnion people trying to get this fixed. Agents he reached were in XXXX and told him they ca n't fix the problem. They repeatedly attempted to transfer him to a " Special Handling Supervisor in the USA '' and it only sends him to a dial tone. He has gone thru this at least 5 times today. Each time he has to start all over with each agent with a litany of authentication and problem description. Finally he reached XXXX ( she said she was a USA Special Handling Supervisor ). She too could not solve the problem but could send some kind of paper document ( she said she had to print it ) to a " Maintenance Dept '' and that they will take 7 to 10 business days to figure out what is wrong and " hopefully '' fix the problem. This is no assurance that the problem will even be fixed nor will they tell us so in a timely manner. In the mean time we are stuck. When congress allowed the credit bureaus to create the Security Freeze process it was in response in part to the bureau abuses. Taxpayers and congress were promised that this would solve problems and be processed timely. Well, we needed to temporarily lift the Security Freeze NOW and TransUnion and their broken system that allowed a problem to get into my FROZEN credit file in the first place CAN NOT in a timely fashion make this happen. TransUnion has made it impossible for taxpayers to reach them in effective ways and also people who can timely fix problems with their system. They advertise and have sold a bill of goods to everyone that managing Security Freezes and Thaws could be done instantly on the web. This is clearly not so with TransUnion. This is causing delays at a critical time while we are already overwhelmed with problems. I repeat, TransUnion 's system will not allow us to temporarily lift a Security Freeze even though I have my proper PIN. You regulators need to take a closer look at TransUnion and why all of this is happening. Consumers are helpless to fix this and TU thwarts consumer 's efforts at every step.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Citi  Costco Anywhere   XXXX   Card   Billing Dispute Depart ment is not doing its job of resolving my issues.  Citi is favoring the merchant instead of me, its customer ( consumer ). I did not even receive an acknowledgment letter from Citi to indicate that the supporting documents have been received and that my dispute is being reviewed. I do n't know what their mind-set is, but Citi employees have to clean up their acts and do a better job. Perhaps, the Billing Dispute Specialist did not even read the whole dispute and all the attachments. How ironic that the employee 's title is " Specialist '' which means he/she is highly skilled and is expected to know ho w to resolve disputes.

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 05-10-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Making/receiving payments, sending money

Complaint: After having a banking relationship with Chase for many years, my checking account became used by someone utilizing ACH or international wire transfers. It may have happened after my computers got stolen during a burglary at my home just prior. At first I called the company, and they would not provide information, then Chase directly after the police had conducted their research. I was notified only transactions within a 60 day period would qualify, and although there were a few just touching, or outside that period, I understood the " timely manor '' issue. Even though, I was somewhat relying on the police to find the fingerprints, and catch whomever it was. 
The trouble began on my very first call XXXX XXXX, to report the fraud, the representative only took XXXX item down, to file as fraud. In reality we discussed about XXXX-XXXX transactions. At this point my account had been over drafted XXXX dollars! She told me within 3 days I would see a provisional credit during the investigation, and then paperwork to fill out. 3 days went by, and only XXXX credit was applied, and spent several hours with several reps, adding the additional money transfers one by one. They ( for some reason ) created a case for each item. 
I complied with their request for information, and the forms signed. I was issued a credit, later to find out, that there were still fraud transactions being processed through my account, from the same company. I called to notify them, and an agent in the disputes department, " XXXX '' decided that all these were valid charges somehow ( almost {$5000.00} ) even though I have never in my life performed an international money transfer. I explained about the break in, she stated she did not care, she was reversing every credit previously applied. I asked her why? It seemed very personal, she became angry, short, and rude, and told me she believed I did the transactions. It was a complete nightmare, of chaos, disorganization, and mistakes from representatives from then on, until my account was closed, without notice, because I told them they were violating the Fair billing act.

Company response to consumer: Closed with explanation