milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2017 about Payday loan, title loan, or personal loan (Title loan) with MB FINANCIAL, INC. (NC).
Issue: Problem with the payoff process at the end of the loan

Complaint: This summer in XXXX, N.C. I purchased a new motorcycle from " XXXX XXXX XXXX XXXX " and used their recommended lender ( instead of my XXXX Bank,  where I use to live ) to speed up the closing process. 

The bank I used was MB Financial Bank, XXXX XXXX XXXX XXXX, XXXX IL,  XXXX. XXXX XXXX. My loan number is XXXX. My last four SS digits are XXXX. I reside in XXXX, N.C. 

In attempts to transfer this loan to my bank, XXXX XXXX XXXX XXXX, I was told by MB 's customer service that I am not allowed to obtain even a COPY of my title until the loan is paid off. Further, if I wanted an email with my 10 day payoff it was necessary to make a written, signed request via fax. 

I made this written signed and faxed request ( Which I view as unnecessary ) and have not got a response 24 hours later. XXXXXXXX XXXX ( and all banks ) will not write a loan unless they have a copt of the title. 

As you can see, MB is doing everything in their power to prevent customers from pulling their loans to another bank. This is harassment and predatory and does not reflect standard and customary banking practices. 

I am further writing the Federal Reserve, State 's Attorney General 's office and my N.C. Motorcycle dealer to advise them of the people they are dealing with.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Equifax continues to report an account without a credit card name or creditor information and I do not recognize the death nor can I follow up to find out if it is accurate or in accurate. Course I believe it is in accurate and that no such account exists in my name and would like to see proof and name of original creditor along with valid proof that the account belongs to me. 

The FCRA requires such information be displayed correctly. This account does not display three of the four points required by law as of XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Equifax is reporting incorrect personal info on my credit report which includes : Incorrect names, incorrect and ou  tdated addresses, and incorrect employment info.
FYI There is no apartment " A '' at my address. Should remove incorrect employer information.
I 'm retired.
I have contacted Equifax and cfpb about this complaint subsequently equifax sent me a copy of my credit report with my personal information omitted (? ) so I was unable to confirm any updates.
Through a third   party I was able to view my equifax credit report and found out equifax is still reporting false and/or really old personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (OH).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened an account with Wells Fargo on X/XX/2017 with a new account bonus of {$150.00}. The bonus required two things. <P/>1. Two ( 2 ) mobile wallet transactions for a cumulative amount of {$10.00} or more 2. Ten ( 10 ) debit card transactions Then you would get a {$150.00} new account incentive. <P/>They authorized my XXXX XXXX credit card two times for an opening deposit of {$25.00} each. I got the account number and deposited additional funds and completed the requirements over a week ago. <P/>I sent them a message inquiring about the terms of the promo and to make sure I qualified. I got a reply listing the terms of the promo that was applied for when my account was opened. <P/>Their terms included a few things which were not fulfilled on Wells Fargo 's end. <P/>1. They never took the opening deposit ( which they authorized 2x ). 2. They allowed me to open an account with this promo code and stated successfully it was applied to the account for me to earn on the approval. <P/>With both of these not happening I have been told I am ineligible for the bonus. This is something that is very misleading and not fair in any capacity. 1. If there is a promotion and you let someone apply for it and tell them they are eligible then you need to honor the promotion. 2. They blatantly messed up when they did not take my opening deposit and no one admitted that was their error which it was.

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 12/17/2015 about Debt collection (Medical) with R & B Corporation of Virginia (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: most of my medical bills was in my bankruptcy and was discharged its hurting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Payday loan, title loan, or personal loan (Title loan) with TMX Finance LLC (GA).
Issue: Charged fees or interest you didn't expect

Complaint: I entered into a car title pawn loan with TitleMax of Georgia for {$10000.00} on  XX/XX/2013    and made {$33000.00} in payments yet I still owe {$9100.00}. I was mislead about how long it would take to pay the loan back at payments of around {$750.00} per month. When I complained about not being able to pay down the balance, TitleMax stated that they would drop the rate but it did n't help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Other debt) with United Consumers Inc (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Recently I received a notice from   XXXX   XXXX   that a new item had appeared on my credit report. When I checked, it listed an account wi th United Consumers ( acc t. #  XXXX   ). I contacted United  Consumers and spoke to  XXXX   XXXX  who told me it was a charge of {$180.00} due to  XXXX   XXXX   XXXX . She said that it was for natural gas charges owed on a previous address. I told her that I had my gas with   XXXX   XXXX   XXXX  and that when I moved, all charges were paid and my deposit was returned because all charges were paid. She explained to me that  XXXX   XXXX   XXXX  provides natural gas to   XXXX   XXXX   XXXX , and that even though they were always charged on  one bill, upo n termination the bills were separated. I never received a bill from  XXXX   XXXX   XXXX , or I would have taken care of it at the time. I asked  XXXX   XXXX  why I had not been contacted and she said they had sent a letter to my old address and had " assumed '' that it had been forwarded. I told her that I was willing to pay, even though there was no proof offered that I owed the debt, as long as it could be pulled from my credit report. She said that they are not able to pull information from my credit report that  XXXX   XXXX   XXXX  are the only ones that can do that.   I then contacted  XXXX   XXXX   XXXX   XXXX   to discuss this ( original acct #  XXXX   ). I  spoke with  XXXX  and explained the whole situation. She seemed sympathetic but said that this would have to be handled by the " back office ''. I asked her if there was anyone I could talk to and she told me that I could only send my complaint to the back office via  XXXX  XXXX  XXXX . I sent them an email with my concerns and request on  XXXX / XXXX /  XXXX  . I have yet to be contacted by anyone regarding my request. I have since looked to find any office information where I can handle this in person, but  XXXX   XXXX   XXXX  has no public offices listed. It is very difficult to take care of an issue when the only possible way of dealing with it is to contact ( via faceless email ) some so-called back office.   I am not trying to get out of paying a legitimate debt, but I was not properly notified and given an opportunity to take action. I am willing to pay what I owe, but due to the circumstances believe that it should be pulled from 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 05/18/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed a dispute with XXXX ( mailed ), XXXX ( mailed ), & Equifax ( online dispute & supporting documents were uploaded ) regarding XXXX , XXXX inaccurately reporting an OPEN collections account with a {$740.00} past due balance. The account should reflect " CLOSED, Paid collection, Zero dollar balance ''. Documentation included with my dispute : A copy of the carbon papers from my check book for XXXX checks totaling {$740.00} for the same account # they are reporting. I also included print out pages, for both checks, from my Bank Account Details page which verified the Original creditor XXXX ( XXXX XXXX Bank ) accepted Payment In Full when they cashed both checks totaling {$740.00}, for the same account number XXXX , XXXX is reporting as past due {$740.00}. 

As a result of my disputes, a comment was added to my credit file that I dispute the account but the account status was not corrected to reflect " CLOSED, Paid collection, Zero dollar balance ''. XXXX , XXXX is still falsely reporting an Open Collections account with a {$740.00} past due balance. XXXX, XXXX, & Equifax received the same aforementioned supporting documentation that I am uploading with this complaint along with a copy of my disputes with each Credit Reporting Agency. 

As a resolution, I am requesting either XXXX XXXX XXXX correctly report the account as " CLOSED, Paid collection, Zero dollar balance '' or DELETE the account. 

Note : XXXX XXXX XXXX Bank ( was Formerly known as " XXXX XXXX Bank - XXXX '' ) and currently reports as " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I recently pulled a copy of my credit report and to my surprise I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... XXXX so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (KY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: First of all, I have XXXX complaints for the SAME thing from XXXX on my XXXX credt report and it 's on XXXX once. Secondly, I called XXXX to tell them to cancel my service, since my husband had passed away and he was the one who had used it. They did not cancel when they were supposed, and their service was not even used during that period they 're charging for. What really burns me up, is that I had been a customer with direct for more than XXXXXXXX years, and they treat their loyal customers this way.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I applied for a home loan and a bunch of accounts listed on my credit report are not mine. They are only listed on Transunion and not on XXXX or XXXX. I have called Transunion 5 times and 4 times I am told that there is no record of my previous calls and 1 respondent " XXXX '' said that they sent out letters to the bank and the banks responded that the account are mine. I finally got the representative ( all in XXXX ) to transfer me to a USA representative who again responded that there is no record of my calls, but figured out that my social security number is incorrect in their system and would take 2 to 3 weeks to fix. I started this process on XXXX with them and it is always weeks away for a fix and then they claim that there again is no record of anyone calling. Can someone please help me get the numerous accounts ; which are actually in great standing, taken off of my Transunion Credit report ; so that I can buy a home? The bank says that I am paying out more than I am making on these accounts and reportedly own a few homes. I never owned a home. The Transunion people told me that I was supposed to contact the banks listed on the credit report and dispute the incorrect information with them. I called all 7 banks and they all said that I am not listed on those accounts and nothing to do with them and redirect me back to Transunion. Again, some of these accounts list {$200000.00} homes ; XXXX fully paid off and another with half of the loan paid ; no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am trying to sell my home. I am in escrow. My loan was sold to Select Portfolio Servicing. SPS has such poor systems that they could not answer any questions about the loan for 2 weeks. Then they are unable to generate a payoff quote for another week. The SPS call center was completely unable to help and could not provide any info. Banks should not be allowed to offload the cost of their poor systems onto consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit card () with PAYPAL HOLDINGS INC. (KY).
Issue: Credit card protection / Debt protection

Complaint: I made a purchase online with a company that took Paypal Credit and felt secure shopping because of that and in fact used my Paypal Credit line to purchase XXXX worth of dresses. Of the XXXX dresses I ordered only XXXX came, XXXX were a small and I ordered XXXX and XXXX of the XXXX was ripped in the front of the dress. The seller will not send a prepaid shipping label to ship them back and the cheapest rate I could find so far is XXXX to ship them back to seller in XXXX. Paypal gave me XXXX and stated they have to be shipped back before they can make my balance XXXX and will keep the seller paid until I ship them back and the seller confirms they received them. Paypal says I can not use the XXXX Postal Service bc the seller can receive them and say they did not. I have to use XXXX XXXX and a rough quote has been XXXX and that was an estimate. I do n't feel it 's fair that I have to pay the remaining shipping for items not the right size and damaged and PayPal is not backing me in this ... ... .the last thing the seller in XXXX emailed me was instructing me to use the XXXX XXXX XXXX and do it asap. This whole purchase has been a nightmare ... ..Paypal is very aware of the situation has basically in a nutshell said " you need to ship the items back and prove to us you have '' until then the seller will remain paid and you have a balance you have to pay us ... ... ... I will nit be paying them, I have dresses I ca n't use and do not feel it 's fair to pay the high shipping cost to get them back to seller and yet they have been paid and will remain paid according to Paypal Credit unless I do ship back to them

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Debt collection (Credit card) with CITIBANK, N.A. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Please refer to your compliant number XXXX concerning, among other offenses, harassing robocalls asking for the card holder to establish an automatic charge to our bank account. All facts described in that complaint remain the same. CITI has developed some method for circumventing the call lock on their number. The credit card account was never activated therefore and the balance consists of disputed transactions and accrued interest which were reported to CITI on XXXX/XXXX/16 as soon as the transaction were discovered. The balance is not a legal debt and the account was never accepted or established by the named card holder. Therefore, there exists no legal basis for the debt and thus no basis for the harassing calls. In addition, circumventing our call blocking system demonstrates a pattern of harassment. PLEASE CORRECT THE LAST XXXX OF THE SSN ON THE ORIGINAL COMPLIANT. IT SHOULD BE XXXX INSTEAD OF XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Please see paragraph 6, on this uploaded motion presented to Puerto Rico US Bankruptcy Court by XXXX XXXX XXXX ( XXXX ). 

Here XXXX indicates to the court that debtor ( me and my ex wife ) as of XXXX XXXX we were in arrears by 71 payments. Therefore if you subtract 71 months from XX/XX/XXXX, XXXX, it will bring the delinquency to XXXX XXXX. 

Experian is reporting this account as First becoming delinquent on XX/XX/XXXX. This is incorrect as it then would have been only 43 payments in arrears from XX/XX/XXXX, not 71. 

Therefore this account have been reported longer than 7 years from when it first became delinquent. XX/XX/XXXX and is in violation of 15 USC section 605 ( 4 ) Please order XXXX to remove this account from my Experian report and permanently STOP further reporting this account to any Credit bureau.

Respectfully XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (WA).
Issue: Problems caused by my funds being low

Complaint: To start, I have repeatedly asked Wells Fargo reps to opt me out of overdraft protection ( as I had been repeatedly enrolled into it automatically ). This finally happened last year when I was told that occasionally charges would still go through ( due to " systemic '' issues ), and if that were to happen, I should come into the branch to get any overdraft charges reversed. This happened once on XXXX, three times on XXXX, and twice on XXXX. I went into the bank to get these overdraft charges reversed and was told something new, that overdraft protection only applies to charges that are made from my debit/credit card and not to charges routed through the bank account like checks. Since the charges were made from my XXXX card, which routes through my bank account, my account was overdrawn. Additionally, after Wells Fargo initially approved the charges ( against what I had been told would happen ), they then cancelled the payment the following day. When I asked why the bank first approved the payment and then cancelled it, I was told by a rep that Wells Fargo " tries to be helpful '' by " giving me until the end of the day to cover the cost of the charge. '' When I said that first approving the charge and then cancelling it was not helpful ( I would have no reason to put money into the account if it is not supposed to be overdrawn, and in this case I was not notified that an overdraft charge was approved until the next day ) I was told, " That is how banks work. '' When I pressed on this issue, and asked why does n't this bank just not approve charges if there is no money in the account, I was told " That is just not Wells Fargo 's policy. '' It got even worse from here - after Wells Fargo initially approved and then cancelled the payment, XXXX ran the same XXXX transactions, which were again approved, again incurred fees, and again cancelled at the end of the day. This racked up a total of {$350.00} in overdraft fees, only half of which the bank reversed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (CA).
Issue: Managing the loan or lease

Complaint: I have XXXX hard inquiries on my credit report. For both companies, I did n't apply for credit with them. 

These are the companies : XXXX, TX XXXX ( XXXX ) XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was recently going through my bank statements after a charge was denied and I knew I should have had the funds in my account. After finding out that I had a fraudelent charge on my account I started going through my past statements and I discovered that over {$7000.00} Had been stolen. I filed a claim and waited on a response. My claim was denied because they say my actual card was used in the withdrawals that took place. How can this happen? I know no one ever had my card in their possession. And it had charges from a casino and other states I have never been too. I want my money back asap.

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 Debt collection (Medical) with Overton, Russell, Doerr and Donovan, LLP (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Overton, Russell, Doerr and Donovan, LLP have been attempting to collect a medical debt even after the debt which was the result of an error in insurance billing was straightened out. At no point have we owed XXXX XXXX XXXX any money. The co-pay was paid at the time of the visit. The " debt '' was the result a billing error on the hospitals part. The issue has been resolved. The hospital assured us they contacted Overton, Russell, Doerr and Donovan, LLP but they continue to send us threatening letters stating our credit will be effected if we do n't pay a debt we do not owe. We have been very cooperative with Overton, Russell, Doerr and Donovan, LLP in attempting to clear up this issue. They for some reason refuse to leave us along and are threatening us with our credit.

Company response to consumer: Closed with explanation