milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 have been dispute this information since  XXXX . An account from  XXXX  University  XXXX   XXXX  showed on my Transunion report for  XXXX . I went and viewed a full report and Transunion stated I had an unsecured loan from  XXXX  with  XXXX  University. Ive never taken out the personal loan with them. I called and spoke with Transunion and asked to have the situation investigated in  XXXX . I asked for information as to who they spoke with and how they verified their information. I still have not received any info as to how they verified it. I also told them ( Transunion ) they needed to update or delete incorrect information and the rep told me that  XXXX  was their client and pays them to report information.I spoke with  XXXX  and they verified that it was not an unsecured loan but a tuition bill. This is a tuition bill from  XXXX  not  XXXX . Transunion and  XXXX  University continues to damage my credit report by reporting this as an unsecured loan and that this bill is from  XXXX .  XXXX  University was paid in  XXXX  by a student loan.They were paid in  XXXX  of  XXXX  which is why I got a refund check. I recorded the call with Transunion, I have the documentation from  XXXX  showing it was a bill and not a unsecured loan and an email showing I had financial aid.

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 12-10-2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (OH).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: In XX/XX/XXXX I leased a new XXXX XXXX XXXX, the leasing company was Ally. When the lease matured in XX/XX/XXXX, Ally offered me a discount to purchase the vehicle. I decided to take them up on their offer and was directed to XXXX, Ally 's lease buyout and processing company. I entered into a agreement In XX/XX/XXXX with XXXX and Ally to buyout the lease and re-finance the vehicle with a 60 month loan. I agreed to the Financing arrangement ( again with Ally ),  and the he loan was approved in XX/XX/XXXX. It was funded on XX/XX/XXXX. My first payment was due on XX/XX/XXXX. My next payment is due on XX/XX/XXXX The problem is that XX/XX/XXXX/Ally has NEVER processed the title of the vehicle over from the leasing company ( Ally ) and i have not received any paperwork regarding the transfer of the title in order to register the vehicle with the State of Ohio. Ohio still only recognizes the leasing company as the owner of the vehicle when in fact that lease was closed on XX/XX/XXXX and I am now responsible for paying Ally for the vehicle. The current registration expires on XX/XX/XXXX and I can not renew the registration without a new/updated memorandum Title from XXXX/Ally. After XX/XX/XXXX I will not be able to drive the vehicle legally. HOWEVER, I am will still be responsible for making monthly payments on a vehicle that I will soon not be able to drive. I have been trying since XX/XX/XXXX to get them to send me the Title memorandum and have sent several emails and made numerous calls to Supervisors at Ally and XXXX all of which are being ignored.

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 07-01-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2015, I provided notice to citibank that a vendor charged my card without authorization. To date, the complaint remains outstanding. Last week, I was told an investigation had not even begun. Between XXXX XXXX, 2015 and the date of this complaint, I have contacted citibank by e-mail, by phone, and through their online secure messaging system - yet I still do not have resolution to this unauthorized charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Debt collection (Mortgage) with Weltman, Weinberg & Reis Co., L.P.A. (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Recived a letter stating that I have a lawsuit filed against me in the XXXX judicial district court in XXXX XXXX, Michigan. XXXX Bank, XXXX successor by merger to XXXX Bank, plaintiff XXXX Myself XXXX XXXX XXXX. Case # XXXX in witch I called and there is no case filed ... By said debt collector Weltman Weinberg & Reis co XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX a XXXX XXXX XXXX XXXX. Is attempting to collect a debt that at the time I was in debt to XXXX bank, loan was secured by collateral said property. We lost our house do to fire. The property was sold in a sheriffs auction do to taxes we could not afford. XXXX bank was notified of the sale and stated that they showed no interest in the property 's. The loan was for {$7500.00} and the property sold for {$40000.00} and they should have been payed at the time of sale to cover the debt before the title could have been released and cleared. Sale took place one year and five months a go. I have atempted to in the past make payments at the bank and payment was refused ...! I now am XXXX and do not have an income. It so states in my contract that the loan was set as a mortgage and the property was used to secure the loan ... I feel as tho I am being harassed and that this collector has and is sending me false documents in attempt to collect funds I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have a Platinum Card from XXXX XXXX, which does not have a preset limit as many charge cards do n't. For that reason it is not really easy to calculate the credit utilization on the card. As a shortcut Experian has the solution by taking the ever highest charge on the card as the limit. So because I charged the card for XXXX in a certain month they set the limit and such. So if XXXX accepts to charge higher they should set the limit to that new value. In my case though they froze it XXXX. The card was charged XXXX - instead of updating the limit as XXXX they reported the account as above the credit limit. When I complained about this they create a dispute with XXXX, although I told them XXXX is not at fault, it is their calculation that is faulty. However they will not listen to me. This month I had XXXX charge on the card, and on Experian I am above the credit limit while XXXX will say there is no such preset limit. Talking to their support is like talking to a wall. Experian needs to see they are not above the laws and regulations and correct their mistake. Either they have to remove the credit limit on that account or the have to update it with ever highest charge on the card like XXXX and XXXX do.

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 05-02-2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: XXXX. 
Every time in attempt to obtain my free annualcreditreport from XXXX the sites CAPTCA codes do not propperly display XXXX 's or XXXX 's. You cant tell the diffrence between an O or a XXXX, or a XXXX or an i. If you are unlucky and fail 3 times your locked out. 
More frustrating is the fact that the credit file questions are completly wrong or their systems are down. You are forced to call the " Big XXXX '' to figure things out. When doing so you are being solicited products. This has to be by design! By LAW they are required to provide a FREE credit report each year via the web interface! What is will you do to improve your Captca code module and what will you do to audit the big XXXX 's web interface success rate vs failure ( mail ) the big XXXX must have their systems up to accept requests, as their internal systems sure seem to work. 

Attached is a screen shot of experian 's bad list of credit file questions that do NOT pertain to me. When I choose none of the above their system fails or says system down.

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 Navient Solutions, LLC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Navient is reporting a 90 day late payment on my credit report that is incorrect. I have sent letters to Navient and the credit reporting agencies with no success. I was never late on the account and the account is in deferment. It is impossible to have a late payment on the account when it is in deferment. As well as if I was 90 days late I would also have to be 30 and 60 days late but that doesnt show, just an incorrect 90 day late payment. This is showing up on 4 accounts which is affecting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: i disputed court information in my credit report with Trans Union credit Burea on XXXX/XXXX/2016 did not hear from them until XXXX/XXXX/2016 the took longer than 30days

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 11/27/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: On Wells Fargo 's online banking website, there use to be running totals for each transaction on the checking accounts, savings accounts, and on the platinum visa credit cards. Wells Fargo recently redesigned their online website, and now only have a running balance per transaction on their savings accounts, changed the checking to only daily running balances, and completely removed any running balance/total at all from the platinum credit card accounts. With no running totals for what is owed on the platnium credit card accounts, customers no longer have a way to check and balance their grand total. Wells Fargo can literally put any grand total as owed without customers being able to check if it 's accurate unless they go back to the beginning of time with their account and calculate each transaction by hand. Not only is that a huge issue for customers, but Wells Fargo 's online records do n't even go that far back. So customers are just supposed to trust that their total is correct. It seems very suspicious that Wells Fargo would due away with this feature, especially in light of all of the fraudulent activity going on with Wells Fargo in the news. I would think it 's illegal to due away with that feature and give customers no way of checking their grand total owed on their credit card? I feel it really needs to be looked into and investigated. A Bank should not be allowed to remove data like that and expect customers to just trust their grand total owed without any way of confirming it 's accurate.

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 08/18/2015 about Debt collection (Medical) with Collection Information Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection Information Bureau reports to the credit bureauan account for {$36.00} and {$70.00} unknown to methereby preventing me to get a mortgage and forcing me to pay the debt

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have expressed difficulty with maintaining payments, but have been told there is nothing that can be done to lower payments. They 've said I am ineligible for any assistance, lowering payments or offering a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: So a few weeks back i went into my local td branch to get a new debit card made and to deposit cash, while i was inside i delt with a few different individuals at the branch in XXXX nj. I was assailed verbally while explaining that i didnt agree with a few service fees i was being charged, the bank had not only changed my account status from student to non without notifying me ( which changed the minimum account balance from XXXX to XXXX $ ) but ALSO changed their overdraft fees to make them more stringent, so that even if you made sure to bring the balance to XXXX $ the same business day, they would still charge you XXXX DOLLARS the following business day PER transaction regardless of how the account closed on the day it was over drawn. So i tried to reach someone at a corporate level, noone was to be found, was given the run around verbally, told noone would be available and then eventually told i would receive a call back from a rep within 24 hours, that of course didnt happen. So essentially i was told to shut up and pay the fees even though i was arguing that thety were unjust seeing as how i never received any literature on the policy changes and or signed off on anything, in relation to terms of agreement. the answer from them was literally, oh well it was posted on our website, WHICH is an unacceptable response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/13/2016 about Debt collection (I do not know) with Account Control Technology, Inc. (FL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: The individuals from account control technologies have spoofed the caller ID to say it is my mom. When I click on the phone number information it states the number is found in my moms work email.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: I was promised a promotional offer by Citibank in connection with opening a Citigold checking account. I met the required criteria stipulated by Citibank, of which I have documentation. After meeting the criteria, Citibank confirmed that I had done all that was required to receive the promotional XXXX XXXX XXXX miles and that the miles would be rendered within a certain amount of time. That period of time elapsed long ago. I sent additional messages and made additional calls and Citibank still has refused to perform as promised. 
Citibank tricked me into signing up for the account by promising a promotional offer they never delivered. They collected the fees from me for the account each month while stringing me along promising to render the miles. I believe they did this knowing that they would not give me the miles but wanted to continue to collect fees from me for the account. I want Citibank to perform as promised and deliver the XXXX XXXX XXXX miles.

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 04-05-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a judgement on my XXXX and equifax account and I have stayed with my parents since 2010.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: this account XXXX is paid in full the original date it was past due makes it told old to report on my credit I have asked before for a full payment history my contract and the letter of assignment

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
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Member since 1982. Even states it on the credit card ( document attached ). Age of account is listed as a couple of 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 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Accounts have been separated multiple times, i am a XXXX and my social security number and name keeps getting merged with my XXXX sibling whos name is very similar to mine, our social security numbers are very close as well. I can not access anything and the credit reporting agencies think i do not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CT).
Issue: Account opening, closing, or management

Complaint: XX/XX/XXXX I filed chapter XXXX bankruptcy -- chase bank was in the original filing. my paycheck went direct deposit and cleared the arrearage but a few weeks later the account -- same account number that was declared went back into a negative status. I have been fighting back and forth with them for months and I am at my breaking point. I want to know how to sue? this account is in the bankruptcy and chase is now violating federal law. for over a year I have not been able to get a bank account because of this and I have to take this to the next step

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Multiple inaccurate changes and updates to credit report going to all three bureaus is causing unnecessary lowering of my credit score by XXXX XXXX ( XXXX ). I am requesting that my credit report from all three credit bureaus be reviewed by XXXX XXXX and updated correctly to the score that I had before the issue mentioned. My score should be re-evaluated to show 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 explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax recently got hacked because of there lack of cyber-security. Now I have to go through the hassle of tracking my credit score and sign up for monitoring because of the potential my information could be sold and utilized to get loans, credit cards, and other financial gains for a identity theft criminal at the expense of my credit score. How I am I supposed to coup with this? I need financial reimbursement for time and money spent to maintain my security against identity theft. Equifax should be dissolved and the money should be given to the citizens of the united states of america.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Just filed for a bankruptcy and I got a discharged but some accounts do not show that they are in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Closing/Cancelling account

Complaint: Disputed last paid XXXX, on ( XXXX ) credit bureaus, company came back with XXXX as there date. XXXX C/R XXXXshows XXXX late payment XXXX, account listed as open credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (Mortgage debt) with NAVY FEDERAL CREDIT UNION (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: As a result of the actions by Navy Federal Credit Union ( NFCU ), which include their blatant violation of your very own Consent Order File No. XXXX, before the ink was completely dry. 
The NFCU violations not only include your item # 76, their corporate, collections and mortgage personnel went to violate stipulations throughout your court order and clearly after your court actions concluded. Please see the attachment as well as sending me whatever documentation you need from me to grant you legal consent to subpoena any and all of my NFCU bank ( credit union ) records as a result of receiving my endorsement signature. 
Although I was planning to accept an offer for a new career opportunity or me and my family, I was compelled to incur a tremendous financial loss wen selling my property in a normal sale, with subsequent elements of mortgage fraud by the greed and collusion of the following persons : Broker XXXX XXXX, License ID : XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX , XXXX , CA , XXXX and Salesperson XXXX XXXX XXXX , License ID : XXXX, XXXX XXXX XXXX, XXXX XXXX , CA , XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, both of whom conspired to each defraud me out of {$8700.00} each for a total of {$17000.00}. These actions include a devastating delay in real estate services while XXXX XXXX travelled to XXXX while I waited for her to return and complete her job. 
The violations of NCFU contributed to the result of diminishing the preferred amount of time I needed to find suitable buyers for my house which was worth far more than the lowered selling price.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation