milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/30/2015 about Bank account or service (Checking account) with BB&T CORPORATION ().
Issue: Account opening, closing, or management

Complaint: I opened check account with XXXX XXXX XXXX, XXXX TX on XXXX XXXX 2015 and the banker helping me with account clearly told that there is no minimum balance needed. I told him that I will be going to XXXX on XXXX XXXX. On XXXX XXXX, XXXX transferred my account to BB & T as BB & T bought all XXXX in Texas. BB & T says that they received my account from XXXX with a negative balance of {$59.00} and BB & T threatening me that they will charge off my account and report it for collection if I do not pay. XXXX says that they reversed {$59.00} charge ( {$25.00} for checks and {$34.00} overdraft fee ) as it is not of my fault to receive stale ( not usable ) checks and my account was transferred to BB & T with ZERO balance but not negative. I am sandwiched between these XXXX banks as XXXX and BT & T refused to talk to each other as they said that they are not allowed to discuss about customer accounts as they are separate banks. After several phone calls and several requests, XXXX gave me a ticket number for the case but have not heard back from them yet. Meanwhile, BB & T is threatening me via phone call that they will take further steps to collect {$59.00}. To avoid further complications and effect on my credit, I requested my nephew to pay {$59.00} into my BB & T account and requested them to close the account. 
I am a victim of the sale of XXXX to BB & T and it is totally unfair for both banks not to talk to each other to resolve the error and putting customer in great trouble to the extent of ruining their credit for no fault of theirs. 

I request your authorities to talk to these both banks and ask them to help me to resolve this issue. I am sure that there might be more customers in this situation and victimised.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: TransUnion File # XXXXXX/XX/XXXX TransUnion under Promotional Inquires has companies still inquiring on my credit report after I have filed and sign a notice of election form to stop all Promotional Inquires I filed back in XX/XX/XXXXand still see promotional Inquires

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 04-09-2016 about Mortgage (Other mortgage) with Statebridge Company (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: This attached document is a " Qualified Written Request '' ( QWR ) in compliance with and under the Real Estate Procedures Act, 12 U.S.C 2605 ( e ), ad Regulation X at 24 C.F.R 3500, and the Gramm Leach Bliley Act and it was sent to the servicer, Statebridge Company, LLC. Also, attached is a letter from the servicer received in response to the Qualified Written Request. Assistance is requested in obtaining a complete, full disclosure rponse to the attached QWR as is our right under the above act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On Friday, XX/XX/2017, I received in the U.S. mail my " Experian '' credit report dated " XX/XX/2017. '' On " Page 28 of 30 '' under the " Record Of Requests For Your Credit History '' column it noted that " XXXX Resident Screening '' of " XXXX, MA XXXX '' unlawfully accessed my " Experian '' credit report on " XX/XX/2017. '' On XX/XX/2017, I was on vacation in Hawaii. I am a victim of " Identity Theft. '' I then called up " Experian '' and they refused to " Delete '' this unlawful " Identity Theft '' entry off of my " Experian '' 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 non-monetary relief
Consumer complaint received 02/24/2017 about Consumer Loan (Vehicle loan) with ID Analytics, Inc. (FL).
Issue: Shopping for a loan or lease

Complaint: i applied for a car loan and the auto dealer received 2 credit reports, one from XXXX, which gave me a score of XXXX, and one from sagestream , llc which gave me a credit score of XXXX. i called sagestream numerous times to discuss the score i received but they failed to return my call. The address for sagestream is XXXX, california XXXX. The telephone number is XXXX. 
I would like this company to respond to my inquiry.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have filed several complaints against XXXX XXXX XXXX for the same issue. They admit that payments are falsely reported as late and then they correct it when I file a complaint only to go back and add the same information back to my credit report at a later date. This was just corrected on XXXX and then on XXXX they add the negative information back to my credit report again.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Debt collection (I do not know) with GOLD KEY CREDIT, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not know this company and never done business with them.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion LLC is not providing a correct mailing address for credit report disputes. Transunion 's website lists the address as " XXXX, PA XXXX '' : https : //www.transunion.com/customer-support/faqs/credit-disputes The USPS has confirmed that this address does not exist. There is no other address listed to which credit disputes can be mailed. Transunion is intentionally providing consumers with a false address in order to delay or prevent credit report 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 10/13/2017 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (VA).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: XXXX XXXX XXXX, Account # XXXX I received a letter dated XX/XX/17 form  XXXX stating that I owed them {$400.00}. The letter did not provide an explanation of what this charge represented. When I called XXXX I was told that the charge represented a personal property tax XXXX paid on the vehicle after I turned the vehicle back in. I requested that they send me a copy of the Personal Property Tax bill that they paid and they told me that they would not do that. I stated that I would not pay this invoice unless I received proof that they paid this fee. They again refused saying that obtaining this proof was my problem and said they would pursue collection. I then reiterated my position and told them I would be filing a complaint with CFPB if they pursued collection. To be clear I am willing to pay this bill if I am provided with proof of payment by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Other financial service (Foreign currency exchange) with JPMORGAN CHASE & CO. (NY).
Issue: Excessive fees

Complaint: I ordered XXXX XXXX yesterday ( XXXX/XXXX/2015 ) from Chase branch XXXX at XXXX, NY. The bank applied XXXX ( equivalently, XXXX XXXX per USD ) exchange rate, which is 11.3 % higher than yesterday 's close FX rate of XXXX ( equivalently, XXXX XXXX per USD ). This means I overpaid {$140.00} out of totally {$1300.00} to get XXXX XXXX. 

Misled by my past trust to Chase service, I only realized this ridiculous overcharge last night. When I called the branch manager today, he said there is nothing they can do. They follow a standard practice to mark their FX rate to retail customers. 

I feel the practice to mark FX rate 11 % higher than market close for retail customers is outrageous. Therefore I am filing this dispute, not solely to refund my own money, but to ask Chase to ( 1 ) Always disclose, orally and in all receipts, how many % the retail customers are over paying for foreign currencies comparing with FX market close ; ( 2 ) Disclose to public in past 10 years totally how much dollar amount did such overcharge accumulate ; ( 3 ) Apply a % cap on how much such over charged FX rate could be compared with FX market close ; ( 4 ) Investigate their internal practice of marking FX rate for retail customers and disclose the result to public.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Debt collection (Medical) with Professional Medical Management, Inc. (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Financial Recoveries collection agency ( XXXX ) reported XXXX disputed billed amounts to the credit bureaus both without my knowledge and after I made a payment. 

1 ) For a negative entry of {$100.00} they reported to the credit reporting services, I had never received their correspondence. As a result, I never got a chance to dispute the balance. I made the payment anyway despite my disagreement to the balance my medical provider XXXX XXXX ( XXXX ) tried to collect through Financial Recoveries. 

2 ) Financial Recoveries reported the amount of {$53.00} on XX/XX/XXXX to the credit reporting services even after I paid it through their automated system on XX/XX/2016. Not only that, immediately after I received the letter from them for this balance, I faxed a letter disputing the charge. They immediately sent me a copy of the original creditor 's bill which I disagree, I called them and made the payment regardless as I realized I was too powerless to fight the hospital and the collection agency. Still within a few days after I filed the dispute against the charge and after I made the payment, they still reported this to the credit bureaus. 

Their action was relentless and against rules and caused distress and negative impact on my perfect credit history.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Citibank N.A. back inXX/XX/XXXX closed 3 of my credit card accounts. ( 2 MC and 1 Visa ) account. The accounts were in good standing and had small balances due. A letter was received from the Executive Response Unit of Citibank , N.A . XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX. Then just yesterday I received another similar letter notifying me of the closing of a fourth account, a Costco Visa card, belonging to Citibank. No reason was given for the account closings other than the bank has the right to close my accounts at any time they choose to. <P/>I contacted them in writing and I received a response repeating the same information, the bank has the right to close the account at any time. No other reason was given. The AAdantage Executive card had a {$350.00} annual fee. I requested a prorated refund of the annual fee and this was denied. All account balances were promptly paid within terms. <P/>Additionally, back in XX/XX/XXXX, Citibank closed my personal checking account, a business savings account and two business checking accounts. They refused to provide me with any reason for the account closings. These accounts had be active and open for over 15 years. All of these accounts were in good standing. My business is a reputable company, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX and we have been in business since XXXX. We have never been involved in any fraudulent litigation, we are proud of the excellent business reputation we have in our industry.

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 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: i was proofing my annual credit report mail to me there was XXXX hard quiry i know nothing about or authorize i called credit bureau and tried to fix this with live rep for credit bureau live rep stated i need to call the company and ask them to contact us to remove iquirys i call companys all 6 and basically told go pound sand back and transfer till system disconnect

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Portfolio Recovery Associates is calling and mailing letters regarding debt that has inaccurate balances. I 've made several attempts to settle these accounts with them, but they are attempting to force me to pay money that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Marlette Funding, LLC (SC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: I didnt open this account and now have a loan that I did not ask for or signed for or initiated, this is wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I got a new b of a card XX/XX/XXXX.  I have been trying to make a payment that was additional to my automatic payment.  after 3 days on hold and several transfers, I am hold for a supervisor , I think rep  just put the call mute.   Could find the information I provided XX/XX/XXXX  for the addiction payment. 31 minutes on hold.  I can't get this issue resolved.

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 10/14/2015 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Balance transfer

Complaint: The Chase Freedom card offered a great deal for a 0 % APR balance transfer. We had about $ 2k in leftover wedding expenses that I decided to transfer over so I could take my time paying it off. Meanwhile, I used the card on our XXXX honeymoon, mistakenly thinking that it it did not have XXXX transaction fees. When I returned and paid off the " honeymoon balance '' in full, they only applied half of my payment to the balance and the other half to the 0 % APR balance.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Money transfers (International money transfer) with XOOM CORPORATION (NV).
Issue: Fraud or scam

Complaint: I transferred money via Xoom.com in the value of {$100.00} plus {$4.00} transaction fee for a total {$100.00}. It was supposed to be paid in the XXXX in the value of dollars. When the person went to pick up the money the receiving bank wanted to pay it in pesos. The person refused the transaction and it was never completed. Xoom.com charged my account the full amount of {$100.00}. That is not correct they never gave us the money but yet took it out of my account. This is called robbery. I want my money put back into my account. The receiving bank even sent Xoom.com an email advising them that the transaction was never paid out. Yet they still refuse to give me back my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-08-2016 about Debt collection (Payday loan) with Midwest Recovery Systems (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midwest Recovery Systems recently added themselves to my credit report as a collection agency. No info was added about the original debtor. After several attempts to contact the company, I finally spoke with XXXX XXXX whom advised he is a manager. He informed me that the debt is for a payday loan from 2012, which was received from a company named XXXX XXXX. He then advised that the debt was bought by his client, being XXXX XXXX XXXX XXXX. I worked with Maryland 's Dept of Labor, Licensing, and Regulation, whom informed me that payday loans are illegal in MD. They also instructed me not to pay the loan and informed me that they would be seeking legal recourse against the many lenders that are illegally lending to MD residents. I thought this nightmare was over, but now this company is hurting my ability to purchase a home and move forward with other plans for my family as this blemish is bringing my credit score down. I am requesting assistance in removing this issue and learning how to make sure this issue does n't happen again, in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar hired XXXX XXXX, and they broke into my home and caused damage under the guise of property preservation and winterization. Nationstar knew the house was already winterized. They allegedly left the door they broke to my home open to the elements for 6 months and damaged door lock assemblies throughout, as well as tampered with my water pump in the basement which required servicing to repair by a professional.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Trans union removed  7  inquiries off of my credit report and added them back without sending a written notification of them being placed back on my 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 01/28/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: SPS loan servicing has misled us into believing that our hardship review was being processed and underwritten and only required some time in order to review. Since XX/XX/XXXX we 've asked of all the documentation that was needed to complete the review and within 2 days we complied. We have proof of receipt of all documenation remitted was received by SPS. A week later a redundant set documents were requested. We established that these documents had already been remitted but SPS indicated that this was not in their control and that our processing for review would be denied should these redundant documents not be resubmitted. We were told on XX/XX/XXXX that all documents were in and that the loan was in underwriting. This was confirmed by XXXX XXXX the manager. Today, we were informed that this loan was not in underwriting by XXXX XXXX and that another set of redundant documents consisting of pay stubs was needed. We communicated that these documents had been sent in and confirmed received two weeks ago. We are now concerned he that SPS has intentionally misplaced our documents and is intentionally delaying our loan modification review in order to cause us to lose our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
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. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Dpt Treasury Closed ReportedXX/XX/XXXX XXXX XXXX Closed ReportedXX/XX/XXXX Us Dept Vets Closed Reported XX/XX/XXXX Us Dept Vets Closed Reported XX/XX/XXXX Us Dept Vets Closed Reported XX/XX/XXXX Diversified {$340.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$390.00} OpenedXX/XX/XXXX XXXX XXXX {$640.00} Opened XX/XX/XXXX

Company response to consumer: Closed with explanation