milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 contacted XXXX to dispute that they are inaccurately reporting that I was late in XXXX and XXXX  2011. Please help me to get these late payments removed from my credit report. I was never late to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TransUnion is reporting my XXXX student loans multiple times as closed accounts, transferred accounts & delinquent accounts giving a false total of XXXX bad accounts. Their newest reporting caused my credit report to dive by XXXX points in 30 days. In truth, the XXXX accounts have been transferred to a new company & are all in positive standing. They are also reporting different spellings of my name that need to be removed ; I have never requested credit under the other variations. TransUnion has been doing this to me for yeeeeeeeeeeeaaaaaarrs. I 'm pretty fed up with their unfair reporting.

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 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Capital One has reported that my credit card is overdue and that I have missed two payments. They have sent this information and as a result my credit score has dropped significantly. I explained to CapitalOne that I am a member of the United States XXXX XXXX and that I was unable to make payments due to being away from home for extended amounts of time. Also I was not aware of the autopay feature when I applied for the card. I believe that CapitalOne took advantage of this and as a result my account went delinquent. I have never missed a previous payment and I am a loyal customer.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (IL).
Issue: Application, originator, mortgage broker

Complaint: When shopping for a home mortgage U.S. Bank made multiple promises to us as first time home buyers which made us select them for a loan over XXXX XXXX. These promises included covering 1 % of the mortgage interest rate for the first year, providing a 0.25 % reduction in the mortgage interest rate for having a U.S. Bank platinum account, and submitting the loan through the Illinois Housing Development Authority for the first time home buyer assistance program. The US Bank mortgage officer stated that US Bank is the only bank which can underwrite for the IHDA loan program in the state. None of these ended up being applied to our account. US Bank even failed to submit us to the IHDA first time buyer program.

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 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The account I 'm requesting to be deleted from my credit file is from back in 2012 it was a timeshare loan the account was closed and reported that it was paid with a {$0.00} balance. Please delete!!!

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 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have XXXX companies on my credit report that should not be on there. I have XXXX credit card and have never applied for a XXXX, XXXX, or CITI card in my life. I think this is fraud but I do n't know who to contact. 

XXXX ACCT # XXXX XXXX XXXX XXXX XXXX, FL XXXX Unpaid balance : {$70.00} CITI-XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Unpaid balance {$26.00} XXXX ACCT # XXXX XXXX XXXX XXXX CITIBANK XXXX XXXX XXXX XXXX XXXX, SD XXXX {$26.00} XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX Unpaid balance {$130.00}

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 10-11-2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (WA).
Issue: Trouble during payment process

Complaint: I have had a PMI with PNC Bank XXXX formerly XXXX XXXX ) since XXXX. I 've recently had an nationally certified appraisal on my property and realized the value has now exceeded the necessary 80 % Loan-to-Value amount. I reached out XXXX/XXXX/XXXX to PNC Bank to proceed on removing PMI and was informed that PNC Bank is requiring me to conduct an appraisal through an appraisal company they own and pay an appraisal fee that is twice the normal amount. They refused the nationally certified appraisal and are denying my ability to remove the PMI I qualify for until I pay their fee. I cited that none of the mortgage/closing documents say I have to use PNC Bank 's appraisal company. They agreed that there is no language or binding agreement, but that they have instituted this policy and will not budge.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This item was previously disputed by CFPB ... 
XXXX removed the collection charge of {$260.00} from my XXXX credit report. However, now Enhanced Recovery placed a collection charge on behalf of XXXX for {$260.00}. This item is not a viable item because I returned my device and paid the account in full and provide documentation on the previous complaint # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2017 about Consumer Loan (Title loan) with CURO Intermediate Holdings (NV).
Issue: Can't stop charges to bank account

Complaint: I XXXX XXXX have been in XXXX. My XXXX is at XXXX and I have a long road to recovery. My daughter had reached out to you about rapid cash. I have an account with XXXX XXXX XXXX in Nevada. Rapid cash refuses to respond back to me or my daughter countless times. I have intent to pay but I am a VA member and they do n't cover all the hospital expenses I need. If rapid cash is unable to temporarily suspend it, They will drain my account and I wo n't afford my recovery expenses. I have submitted a claim to my bank. And now I am writing you as well I do n't want them to take my truck and I only want a temporarily hold on my debit card and ach from them until I 'm out of the hospital My case worker can be contacted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2017 about Credit reporting () with SANTANDER CONSUMER USA HOLDINGS INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Had an auto loan with Santander USA open in XXXX. Voluntarily surrendered in XXXX. 
Vehicle was sold on XXXX/XXXX/XXXX yet Santander USA has reported late payments from XXXX until XXXX. In XXXX they reported paid on time- which is the same time that Santander USA said they sold the debt. 
After they received possession of the car and they sold the vehicle, how can I be liable and charged for late payments?

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Credit card () with U.S. BANCORP (CA).
Issue: Rewards

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX CC : US Bank Executive Office XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : CFPB Case Number XXXX ( Archived ) CFPB Case Number XXXX ( Disputed herein ) Illegal US Bank Business Practices Account numbers XXXX, XXXX, XXXX, XXXX To Whom it May Concern : I am writing to dispute the US Bank ( " the Bank '' ) response letter dated XX/XX/XXXX. On XX/XX/XXXX the Bank closed my credit card accounts and illegally seized my points without justification in violation of state law. 

1. The proposed settlement of {$480.00} represents a mere 50 % of the value of the seized Flexpoints, which are worth XXXX cents per point when redeemed for travel. 

2. The Bank violated XXXX Civil Code 1747.85 by closing the referenced accounts without prior notification. While the law does provide exceptions if the " cardholder is unable or unwilling to repay obligations, '' there is no evidence to support that claim. In fact, I have supporting documents which expressly contradict this claim and demonstrate the creditworthiness of the consumer at the time of closure. XXXX Civil Code supersedes the language found in the cardholder adhesion contract. Thus, the unilateral closure of accounts and seizure of points is without justification. 

I respectfully demand the reinstatement of all credit card accounts and the associated reward points. I intend to assert my rights until all accounts are restored or a more equitable settlement is offered. 

Thank you for your continued cooperation in this matter. 


Sincerely, 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 monetary relief
Consumer complaint received 06/19/2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (NY).
Issue: Struggling to pay mortgage

Complaint: I am contacting the CFPB as I know what my mortgage servicing company is doing to me is very unfair and I can only imagine how many other homeowners they are hurting. I had fallen behind on my mortgage payments XX/XX/XXXX after I had a XXXX. This loan servicing was transferred from XXXX to Freedom Mortgage as of XX/XX/XXXX but I had been mailing my payments to the previous company so I didnt even realize I was late. I had quickly applied for a loan modification with Freedom Mortgage to constantly be requesting documents we already sent and confirmed. My modification request was closed out at least 9 times from XX/XX/XXXX through just recently on XX/XX/XXXX. My wife is a contributor as well and the reason we were declined before the HAMP program ended was they stated they could not verify my wifes income taxes. We explained with explanation letters she does not file taxes because she was only receiving XXXX. We were told to send in a new XXXX with he box checked for non-filing, two weeks later, we followup to be told that is not acceptable, they need the other box checked to verify returns. I sent both to be safe. Two weeks later, we were told no, they can not verify my wifes social security number even though we submitted the Social Security award letter and XXXX. Each and every time the review was closed on their end, it was due to a new reason. This most recent review we submitted a complete package on XX/XX/XXXX. I called on XX/XX/XXXX and was told they need the bank statement that was just available on XX/XX/XXXX which I quickly sent on XX/XX/XXXX. Today I called Freedom and was told the review was closed out on XX/XX/XXXX for not receiving the requested bank statement. I always scan and email my documents. To make matters worse, I am unable to drive after the XXXX which left me mostly XXXX with little use of XXXX XXXX of my XXXX so I have to call taxi 's to bring me to pick up bank statements and then to scan to the bank which is going on a few times a month for 25 months now as I started t his process when I was only one month delinquent. I could have been making mortgage payments all these months but they just will never give me a decision. Only play games with a XXXX borrower who is now in foreclosure.

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 12/22/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (DE).
Issue: Making/receiving payments, sending money

Complaint: Problem Setting up Bill Pay via Chase Online - ThiS is similar to complaint but involves Chase Bank USA. Received an auto loan from XXXX XXXX XXXX XXXX. Got loan on XXXX XXXX, XXXX and the first payment is not till XXXX XXXX, XXXX. Having just finished with a bankruptcy plan I wanted to get payments started around XXXX XXXX. I called and they would not back up first payment date from XXXX XXXX and then I wanted to make a payment early and none of their automatic payment features allowed me to make a partial first payment ( except mailing a snail mail check ). Which I did and I have now already seen how consumer unfriendly this XXXX finanical institution is and how high the fees will be to make a same/next day payment. So then I logged onto my Chase USA checking account o start an auto debit through the bill pay and Chase did not have them as a an available bill pay vendor and said they would have to send a paper check to XXXX. Really? This is a big banking corporation - previously XXXX or another. The all seem to be in cahoots as they want you to pay a HUGE fee to pay a simple interest loan - in which every day adds on more interest. Really come on - this is not proper ; how are folks supposed to get on the right financial path when BIG banks continue to take advantage with huge payment fees. How is making a payment so expensive and not immediate debit/processing when paying your loan early or before a due date. I have mailed a check today XXXX/XXXX/XXXX and lets see how long it takes to post to my account.. I am very upset with XXXX and Chase ( since unable to autodraw from checking account ) while they have automated electronic check payments with EVERYONE. Account number XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed this item several times XXXX XXXX XXXX XXXX This account has a XXXX that is past 7 years old. Experian is violating my rights and violating the FCRA laws. Please help assist me with this complaint. My next action if not resolved will be contact my local State Attorney Generals office.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/15/2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Credit card protection / Debt protection

Complaint: I filed a dispute with my credit card at XXXX and they " lost '' it saying i " lost '' my rights. Then I got a phone call saying since they found it, they would be re-asserting the dispute process. I got my money back and confirmation in writing that the final dispute had been decided in my favor back in XXXX. Then, in XXXX they are saying they are going back on their initial decision, but I was already told since they lost the initial dispute and we were still in the time frame and the merchant did not respond that the money was mine permanently. At this late date saying they went back on their final decision seems suspect -- -the letter dated XXXX XXXX, is more than two months after the final chargeback was made. It is an illegal abuse of th dispute process. The doctor lied about me and said my dispute was illegal, which is n't true. He made up something in his head that should not affect your decision. To go back on your initial decision and then hold me responsible over XXXX months later. XXXX has repeatedly lost my disputes and they admittedly lost this one as well. However, the final chargeback was issued already. This is an illegal use of the dispute process. I do not owe the {$1000.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-01-2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (FL).
Issue: Money was not available when promised

Complaint: MY our case XXXX. My account has been limited on XXXX XXXX,2017 and I have {$850.00} in there. I was told that my funds will be on hold for 180 days and I will be able to withdraw then. Please release my funds its been 180 days since I 've been waiting

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Problems caused by my funds being low

Complaint: I was charged an overdraft fee by Bank of America, even though when I checked my account online it was not overdrawn until after the fee was applied. When speaking to a Manager on the phone, I was informed that it was a specific transaction that overdrew my account. Upon hanging up, I immediately checked my account to find that, according to my mobile banking app, that transaction left me with {$55.00} in my account. This is not the first time Bank of America has charged me an overdraft fee when the only charge that put me below a {$0.00} balance was the actual overdraft fee. This is, however, the first time they have absolutely refused to refund me my money. It was suggested that I explore " keeping a check ledger. '' It is also convenient that {$50.00} transferred from my online savings account, which stated they 'd transferred the money on XXXX/XXXX/16, did n't appear in my Bank of America account until XXXX/XXXX/16 - after they 'd charged me the fee.I suggest that Bank of America not charge people for overdrafts that have n't actually occurred. 
I have opted in for an email notification anytime my balance goes below {$25.00} or is overdrawn. However, at XXXX XXXX I was charged for an overdraft but was n't notified via email by BoA until XXXX XXXX. 
Any help you can offer is appreciated.

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 Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CT).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: This complaint is about fraudulent charges to my XXXX card, which I believe were placed in a scheme involving Citi personnel. OnXX/XX/XXXX as I paid my card online, an ad for " oil capsules for hair '' for {$9.00} popped up. On impulse, I ordered them. They arrived but I did n't like them. However, the XXXX statement had an UNAUTHORIZED {$89.00} charge. I called Citi to report the fraud. The Citi agent '' XXXX '' stated it was for " XXXX 's XXXX XXXX '' ( in AZ ; I am in CT! ). She insisted that my order for oil capsules CONSTITUTED AN AGREEMENT to all charges made by " XXXX 's '' or " CaringWorks '' the capsule supplier. I objected and " XXXX '' agreed to reverse the charge ( she did XXXX, and replace the card. However when I used card # 2 the {$89.00} charge reappeared. I called " XXXX '' again and told her this was fraud. THERE WAS NO CONTRACT to allow these charges. After 3hours of my protesting " XXXX '' said she must consult " security '' ; after I waited, " XXXX '' came on but said I had agreed to the charges. OnXX/XX/XXXX I paid {$410.00} on the card, for American flightsXX/XX/XXXX, which were not listed, ( only {$600.00} non-itemized fraud ( Documents attached ) I need to have this scam cancelled.

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 01/16/2017 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (LA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Navient is still reporting derogatory credit information to the XXXX credit bureaus after the private student loans were defaulted for more than XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have notified  XXXX  on many occasions that this account do not belong to me. I have also informed them that this account was opened as a result of identity theft. But they have not removed this account from my credit file. I need your assistance in getting this matter resolved.

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

Complaint: Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

My family 's mobile account was also hacked on XXXX XXXX, 2017 causing all our devices to be locked out from our access. This took 4 days to resolve and we had to cancel all credit cards that were tied to the account. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated a minimum of {$250.00} for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (I do not know) with Experian Information Solutions Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have been trying to work with All the Credit Bureaus for a long time i have followed the law and it states that they have to come back with proof or delete the things on my credit and they are not working well at all with me. I am honestly tired of them doing this to me. They are really abusing the system on not working well with me and not following the law.

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