milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion is reporting incorrect information on my credit report. I have disputed this information several times. I was informed that transunion needs 30 days to verify or delete the incorrect information. I keep receiving letters in the mail from transunion stating they need an additional 15 days. According to legal advice if the company does not respond to them the item is to be deleted from my report. I keep disputing the following information that is reporting incorrectly : Teachers Federal credit union acct # XXXX is reporting twice as " Discharged through chapter XXXX bankruptcy '' This totally false and incorrect as I never filed for chapter XXXX bankruptcy. The next item is XXXX ... ..this account was PAID in full 2 years ago ... .I have written letters/contacted XXXX ( which is no longer in business ) so I contacted the collection agency they sent me to. I should have never been put in collection to begin with as this debt was paid in full. ( The collection agency had agreed to remove this debt as it was verified through whom I do no know as I mentioned earlier XXXX is no longer in business ). It has been agreed it will be removed from my report. ( Upon checking my credit report again today it is still reporting ). Capital accounts is the next item that was to be removed off my report. I had contacted capital accounts and it was verified it was to be deleted. This account was deleted from another credit reporting agency but not yet from Transunion. I keep disputing this information and it just remains the same which is affecting my credit score in a very negative way and affecting me in obtaining substantial credit. I am submitting this complaint as I have spent hours and days trying to resolve this. I am also complaining about transunion as to the fact when I call them I am told that my report is being held under another department. ( Fraud dept ) ... ..I get transferred to speak to a human in the fraud dept and all I receive is an answering machine. I 've sent proof to transunion and the mail is returned to me. I am complaining about this credit reporting company as it is getting very fustrating in trying to correct this wrong information.

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 09/28/2015 about Consumer Loan (Vehicle loan) with DriveTime (TX).
Issue: Problems when you are unable to pay

Complaint: On XX/XX/XXXX I voluntarily repossessed a vehicle with drive time. On XX/XX/XXXX that showed on my credit as a charge off for {$8900.00}. Drive time contacted me on several occasions asking me to settle the account, I declined. In XXXX XXXX drive time reported XXXX late payments XXXX, I was able to remove these from my credit report because I disputed the inaccurate information. On XXXX of this year XXXX Drive time again reported a late payment. Now, the account was closed in XXXX of last year. I spoke with the credit bureaus and they agreed that this act was in violation of the fair credit reporting act, however they refused to remove the false information. Drive time is attempting to prolong its time on my credit by reporting on a closed account knowing that it can stay on my credit for seven years after the last activity. I am working with a home loan program that looks only at the last two years of credit and therefore this account would not be a factor in determining my eligibility for a home with them if they are not allowed to falsely report activity. I am asking that the account be removed from credit in all XXXX bureaus because the company has proven to be irresponsible in reporting information. I have proof via prior credit reports that this account was closed and charged off XX/XX/XXXX. upload screen shots of said proof

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (GA).
Issue: Trouble during payment process

Complaint: I received notice in XX/XX/XXXX that my mortgage would be transferred or sold from CitiMortgage to XXXX XXXX. I told my wife that I wanted to just go ahead and pay the thing off to avoid any mix-ups or hassles related to the transfer. We only had about 8 payments left on a 15 year. We utilized their online payment system and paid it off in XXXX increments with the last amount showing XXXX. We tried to pay the XXXX but could only pay XXXX so it left one cent remaining. I assumed they would deduct this penny plus whatever made up fees they claimed from our {$1200.00} they owed us from escrow. I also received a notice of Our records indicated your mortgage has been paid in full. Please be aware you are responsible for all property taxes and insurance. Thank you for your business! when I logged on to make sure that things were done. I thought cool, they will now mail me the escrow balance check. 

My understanding is they have 30 days to settle the escrow. They then went forward with transferring the mortgage to XXXX XXXX and I have now received a letter stating Our records indicate that as of today, XX/XX/XXXX, your monthly mortgage installment which was due onXX/XX/XXXX, in the amount of {$2100.00} has not been received. I first called XXXX XXXX and they stated that they did show a balance but did not understand why I received the letter. The advisor also stated that my credit would not be marked for 60 days because it was a mortgage transfer and they would look into it. It was also my understanding that my load was not going to transfer to the new provider until the end of XX/XX/XXXX. I called CitiMortgage and spoke to a supervisor on XX/XX/XXXX and was told I could not pay off my mortgage using the online method and I had to request a payoff and that is why the load was transferred. 

I feel that Im being bullied and will likely have to pay a late fee of {$96.00} because I owe XXXX cent on the mortgage and it was late even though they have {$1200.00} of my money that they were obligated under the Real Estate Settlement Procedures Act to return to me within 30 days. 

Please help with this time wasting madness. 

Thank You Very Much.

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 02-11-2017 about Debt collection (Medical) with Omega RMS, LLC (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: OMEGA RS reported a collection account in my name with XXXX XXXX credit bureau without sending me notification of debt and the notice of right to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Customer service / Customer relations

Complaint: I have a Banamex USA credit card. I recently called the company to complain about my credit card strip not working. In addition, I also spoke about difficulty with my pin not working. I was mailed a new card but I am unable to use it. I 've called the company numerous times during regular business hours and I get a recording that tells me to call back during business hours. My concern is that they are unresponsive and they have access to my bank account information ( monthly payments ). I 've called and I 've emailed Banamex USA ; I do n't know what to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I had an auto loan with Wells Fargo Dealer Services - XXXX XXXX XXXX. During the course of the loan, WFDS added XXXX insurance to my loan, which increased my monthly payment. I kept making my monthly payment. It was showing I'm late, short, they repo my car! 
Not once but twice! The problem exists 2 fold : 1. Adding on a product which I did not sign up for thus making me delinquent. 
2. I make my payments at Well Fargo Bank, but they say they are not WFDS. They operate under Wells Fargo to the consumer, but in their eyes they are two different companies. That is fraud in it's self? 
I have been contacted by attorneys from PA. to jion a class action suit. But, I told them NO, I want to give WFDS an opportunity to settle it. 
WFDS sent me a letter in XX/XX/XXXX - we owe you {$1500.00}. A check will be awarded. 

I have NOT RECEIVED ANY CHECK AS OF XXXX XXXX, Can you help me? Also, under the TDPA don't I get triple damages and I'm a Senior citizen, they have ruined my credit. It's a mess.

Company response to consumer: Untimely response
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: i reached out to XXXX and experian and asked them to remove inquiries that i did not authorize and they said that i had to reach out to creditors. I reached out to the creditors over two months ago and most of them said that they will remove inquiries. Almost 3 months later and the inquiries are still there

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 03-02-2016 about Bank account or service (Savings account) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: In XXXX, I had savings account and XXXX CD 's with CIT Bank ( XXXX. XXXX XXXX, XXXX, MO XXXX ). These accounts were closed in XXXX. I waited and waited for XXXX XXXX. Finally, on XXXX XXXX, XXXX, I called CIT Bank ( CIT ) and discussed this matter with XXXX who told me that all XXXX 's were mailed on XXXX XXXX, and that the XXXX should be coming soon. I waited and waited again, but, no XXXX until XXXX XXXX when I called CIT Bank again and discussed it with XXXX who blamed it on the post office. I then asked XXXX to overnight to which she agreed. I told her that CIT is closed for me and I am not allowed to do business with the bank. I waited again and looked for it every day. 

On XXXX XXXX, XXXX, I called XXXX again and discussed it with XXXX who gave me the shocking news as follows : A ) The XXXX was mailed on XXXX XXXX and not on XXXX XXXX as promised, and B ) The XXXX was not mailed by overnight mail as promised but by ordinary mail. It is beyond my understanding that why CIT will abuse its customer in this fashion. First CIT violated IRS law by not mailing XXXX by XXXX XXXX. Second, CIT promised to overnight. CIT did not overnight, nor CIT informed that the XXXX will is being mailed after 4 days by ordinary mail. 

It should be noted that CIT terminated all my accounts in XXXX and I cut me off from the bank business ( another story that is irrelevant here ). I will submit ( by fax ) the termination letter for your information and action. I had no access to the information on the web site due to termination of my accounts. I had to cancel my appointment with my tax accountant 3 times. I will probably get XXXX around XXXX XXXX or XXXX. I may not be able to file my tax return within the time since I have an overseas trip coming soon that I can not postpone or cancel without losing hundreds of dollars. I will cost me extra money ( {$150.00} to XXXX ) to file addendum tax again. I want CIT to pay this cost amounting to {$150.00}. 

How can a bank delay XXXX delivery and get away with it is beyond me. CFPB should not tolerate this kind of behavior. CIT has made my life miserable causing extreme frustration, economic loss and loss of my precious time. Their license should be cancelled. They keep on violating XXXX law repeatedly. 

I am a XXXX American who feels extremely helpless. I just can not take any more abuse. CIT has put me and my wife to tears. Your help will be God sent. 

Sincerely yours, XXXX XXXX XXXX Attachment : Termination letter to be faxed later ( I do not know the fax no. )

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Debt collection (I do not know) with Navient Solutions, LLC. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Two days in a row, people have called me telling me that the government has placed a file with them and they want my date of birth or other identifying information. When I ask who they are, they tell me the can tell me only their names. Any legitimate response would include a name and company name. They refuse to do this. During the third call in 10 minutes this morning, a woman told me this is from General Revenue Corporation. I asked her to send me a letter before making harassing phone calls. She asked for my address. 

Calling repeatedly within a short time frame is harassment. Refusing to identify themselves and their employer when asked is shady. There are too many scams that begin with demands for personal information. I 'd pay a bill if they sent it - my address is easily available. I will not tolerate another morning of this kind of harassment.

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 09/25/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Account opening, closing, or management

Complaint: I recall seeing statements from Wells Fargo but I never recall opening an account with 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 06/23/2017 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: Reporting company used your report improperly

Complaint: i contacted a phone number because i wanted to get the first time home buyer grant they told me to call another number i did and they asked me for my id and ssn after that i received an email saying that they approved me for a home loan but nothing about the first time home buyer program they checked my credit score and my wife credit score without our authorization we are allready qualified with a lender i dont understand why this people pulled my credit if we didnt ask for the we wanted to get the grant for the money for first time home buyer they lie to us so i want to make a complaint if you can contact me in XXXX will be great

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Checking or savings account (Checking account) with CHARLES SCHWAB CORPORATION, THE (FL).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I received an email in XX/XX/XXXXadvertising that " Charles Schwab is offering a bonus of {$200.00} for using your High Yield Investor Checking account. You must do the following : Enroll in direct deposit by visiting our site.

Establish and make direct deposits totaling {$2500.00} or more before XX/XX/XXXX. '' I completed the requirement and it stated that " The incentive deposit will be deposited into your High Yield Investor Checking account byXX/XX/XXXX. '' I have not yet received the bonus.

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 12-06-2017 about Debt collection (Medical debt) with Capio Partners, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I am getting bills and letters and now on my credit report from XXXX XXXX XXXX and CAPIO PARTNERS LLC. This collectors are apparently for XXXX XXXX. This who the debt was with. These 3 accounts were paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/24/2015 about Student loan (Non-federal student loan) with National Budget Planners of South Florida, Inc (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I applied for the national student service forgiveness program ( XXXX ) they are from XXXX California. They had me pay an admissions fee for them taking care of my account ( XXXX dollars ). i have been paying XXXX dollars a month since XXXX.They have done nothing to help me and have actually hurt me and my credit severely! I had no contact with them til i learned that my credit was severely impacted. The information they had ( email, telephone number, address ) were all wrong and they were not updating my information to the federal student loan people. So i was no receiving any information that i needed to know. i had called to see what was happening and they told me i needed to renew my account after a year. well it had only been 6 months. I was told that i had to send in my pay stubs in ( i faxed them ) order for them not to send my information to the credit bureau. Well that was also a lie, that night i checked my score and it had dropped XXXX pts. Ive sent this company my pay stubs, my information, my social security number as well as my bank account number. In the process they were not communicating with the XXXX XXXX XXXX, who are my actual loan holders, so i learned that i was supposed to be making payments and i never did because this company told me they were handling my account. So on my credit report i was told that i was 120 days late on payment, when in reality i was told that i would not need to make a payment. NBP put a forbearance on my account which the federal loan services noted they did. I was also told that after 10 years of paying ( NBP ) i would have all my loans forgiven. well that was also false because i do not qualify for that type of forgiveness.They are a fraud and never give you the information you need. They told me i could get the public loan forgiveness program when i only qualify for XXXX of the XXXX requirements for this program. It makes no sense to pay a company to help you maintain your loans when they just hurt you in the process. The federal student loan services have helped me understand why this company did what they did and now i think it needs to be noted that they cant keep doing this to students who are struggling to pay for their loans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have submitted multiple requests of TransUnion to delete two tax leins ( released tax leins ) as it does not meet the minimum requirements as detailed in the latest credit reporting changes in XX/XX/XXXX. 

Beginning on XX/XX/XXXX, the three major credit bureaus, TransUnion, XXXX and XXXX, will no longer report tax liens or civil judgments with incomplete information on individuals credit reports. Again, as of XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information as follows : Minimum reporting of : ( 1 ) Name, ( 2 ) Address, AND ( 3 ) FULL Social Security Number and/or date of birth ; That being said, I attached a copy of both NC Revenue State Lein Release letters and NEITHER of the letters maintain the required MINIMUM information and thus must be removed from my TransUnion credit report. 

XXXX and XXXX have both removed the 2 leins from my credit report based on this info, BUT Transunion refuses to delete the items and be in compliance with the new credit reporting law. Therefore, I have no choice but to file a formal compalint with you so that they can remove the released tax leins from my TU 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 03-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Last month, I called in to request the annual fee be waived on this card because my level of use of it didn't justify the fee. The fee had been charged in the current billing cycle.

The representative told me that wasn't available but I could perform a product change to a no-fee card ( XXXX instead of XXXX ) to get the annual fee refunded. This is a standard way of refunding an annual fee at all credit card issuers including this bank. Fast forward to today where I called in to ask why the annual fee refund hadn't been refunded. Unfortunately, a poorly trained representative tried to tell me that this wasn't a policy and an option as the fee was being charged because of benefits I receive with the card. It didn't sway her that I was no longer getting these benefits because I had a product change to a no fee card instead of a cancellation despite them being equivalent in receiving benefits you pay for, that the fee is always charged in advance so the fee was being charged for future benefits I was never going to receive, that this is standard practice of all credit issuers including Capital One, especially within 30 days and that is what I was told when I performed a product change and wouldn't have done it otherwise. I am fed up with this bank as it has gone downhill due to greed where I can't even talk to an agent online and now this deliberate deception. This agent engaged in completely insane circular logic that is probably a pattern now to frustrate consumers and get them to hang up and give up.

Company response to consumer: Closed with monetary relief