milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX of XXXX I became ill and went into the hospital and was going to be off of work for an extended period of time. I knew I would not be able to make my car payments so I volutarily surrendered my vehicle to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX. They were not happy but they accepted the vehicle, auctioned it off for far less that it was worth ( it was a XXXX XXXX XXXX XXXX. They sold it for XXXX and applied that to my XXXX loan and left me with a XXXX balance on my credit report. when they realized I would not be working they wrote off the loan completely. Some time passed and I returned to work a couple of years later. In XXXX of XXXX they had listed on my credit report that the amount I owed them was {$9900.00}, thirty days later in XXXX of XXXX it increased to {$13000.00}. I have not had possesion of the vehicle since XXXX of XXXX, how can they continually charge me for the vehicle? Also they list on my credit report that I " failed to make my payment '' each month for the past two years. How can they do that when they have written off the loan? As of XX/XX/XXXX I now owe them {$14000.00}! It's all on my credit report and it goes up every month. They have charge me over 50 % of the original figure of {$9900.00} in a matter of 12 months! I feel they are being vindictive because I defaulted on my loan and I would like this information purged from all of my credit reports and and additional reporting agencies like XXXX and thier affiliates. This is outragous and can't believe that this is even legal. I can be contacted at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX, SS # XXXX you have my permission to use my information and contact them to discuss this matter and try to resolve it.

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 12-02-2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (NY).
Issue: Account opening, closing, or management

Complaint: Approximately 6 months ago, my employers payroll account was hacked into and stolen all of our personal information was stolen. Identity theft has several accounts open. One was thru Navy FCU. I called several times to have this account closed due to identity theft. Everytime I spoke with someone about it, supposedly they closed the account and they were going to send out an affidavit to complete and send back ( never received ). Last call was one month ago about this situation. And I am still receiving monthly statements in the mail and have not received the affidavit. Also when this account was open, it put a hard hit on my credit score. Not happy. If I closed an account esp due to identity theft, I should not have to call every month when I receive a monthly statement to find out it HAS not been closed.

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 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Payment made on XX/XX/XXXX from XXXX Checking account XXXX XXXX calls XXXX XX/XX/XXXX @ XXXX to say payment is late I state above. XXXX XXXX representative advises me to file a dispute with XXXX XXXX XXXX Banking Dispute with XXXX XXXX payment XX/XX/XXXX XXXX reaches out to XXXX XXXX XX/XX/XXXX ( XXXX will not speak to XXXX without Subscriber ) XXXX XXXX stated they will not speak to XXXX without me XXXX closes dispute XX/XX/XXXX. Sometime in early XXXX called XXXX XXXX with me, XXXX XXXX XXXX XXXX banking customer service to try to resolve issue, representative stated that payment would be applied to mortgage payment. I called XXXX XXXX onXX/XX/XXXX @ XXXX XXXX minutes transferred multiple times stated payment would be applied to mortgage XXXX payment made with XXXX XXXX at XXXX XXXX location XX/XX/XXXX XXXX XXXX XXXX NY XXXX from XXXX XXXX ( did not state his name ) left voicemail on XX/XX/XXXX @ XXXX stating to return his phone call. XX/XX/XXXX collection department called @ XXXX ( 29 minutes call ) stating that my XXXX XXXX XXXX is in delinquent status, I stated all the above. Representative was very rude so I stated I would rather call XXXX XXXX directly to rectify. The same day, I called back XXXX XXXX and spoke to customer service representative XXXX XXXX & XXXX on the phone XXXX minutes being transferred back and forward Payment directly debt from XXXX  account # around the same time ( will show on past XXXX statement ) XXXX was able to get XXXX XXXX XXXX on 3 way and payment was applied XX/XX/XXXX XXXX left voicemail on XX/XX/XXXX at XXXX p.m. stating that they will be mailing out a paper check for the balance that should have been applied to the XXXX XXXX XXXX. Paper check was dated XX/XX/XXXX ( see attached ). Received check from XXXX for overpayment that should of been applied to mortgage dated XX/XX/XXXX received check on / around XX/XX/XXXX which I deposited into our XXXX account via mobile banking on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Credit card () with CITIBANK, N.A. (GA).
Issue: Other

Complaint: I am hereby writing to you with respect to the Citi Prestige card ( card number referenced above ) and the Annual Companion Ticket. 
I became a Citi Prestige card member on XXXX XXXX XXXX. Upon joining at this time, we received documentation from Citi Prestige indicating the applicability of the Travel Companion Ticket and its conditions ( refer attached ). 
XX/XX/XXXX, I was advised of some changes impacting the Citi Prestige card, one of which was to the Annual Companion Ticket. However, the documentation which I received from Citi Prestige ( refer attached ) indicated that the Annual Companion Ticket for travel to any worldwide destination and XXXX % savings on airfare must be booked within a year from your first cardmember anniversary date. 
When I read this, I was of the understanding as clearly stated in this communication that I would have until XXXX XXXX, XXXX to make my booking and be eligible to utilize the Annual Companion Ticket. 
In light of this on Sunday evening XXXX XXXX, I called Citi Prestige to understand the booking process for a trip I have planned for later this year with my wife. To my shock, the customer service representatives who spoke with me said that I was not eligible for the Annual Companion Ticket. What was also perplexing about this was that when I inquired as to why I was not eligible for the benefit, I was provided different reasons by multiple representatives, none of which made any sense including one representative who indicated to me that it was perhaps me who was n't comprehending the 'changes are coming to your Citi Prestige Card document even though this document clearly indicates the Annual Companion Ticket for travel to any worldwide destination and XXXX % savings on airfare must be booked within a year from your first cardmember anniversary date. 
In this respect, I will be filing a complaint with the Consumer Financial Protection Bureau and furthermore, I would like to highlight my disappointment in the customer service I have received with regards to this issue where I have been made to feel like I am the one in error. I am U.S. permanent resident who moved to the U.S. in XX/XX/XXXX. I have banked with Citibank since this time and also held a Citi Credit Card since XX/XX/XXXX and I have never been so disappointed in the Citi service, and ultimately their representation of their product. 
In summary, I hereby kindly request that Citi Prestige uphold my eligibility for the Annual Companion Ticket as is stated in their communication.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Thank you for taking the time to read this letter, and I hope your day is going well. I 'm writing because I noticed that my most recent credit reports from TransUnion, XXXX, and XXXX contains multiple collection items on my credit reports from XXXX even though they are over 7 years old and actually scheduled to be removed in XX/XX/XXXX. If you noticed from the attached file the reporting dates are different and inaccurate this alleged account is from when I was in college which was over 13 years ago considering I started college in XX/XX/XXXX and graduated in XX/XX/XXXX. So considering the time frame either way the items are between 9-13 years old which is passed the 7 year mark.

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 08/24/2017 about Debt collection (Other debt) with The CBE Group, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I ordered cable service thru XXXX XXXX XXXX (XXXX) and canceled the service in less than 5 business days. At the time the XXXX service was ordered, XXXX advertise no charges if service canceled within 30 days. I spoke with a XXXX representative back in XX/XX/XXXX who assured me that my balance was XXXX, thereafter on XX/XX/XXXX I received a letter from The CBE Group stating they are attempting to collect a debt in the amount of $XXXX. They have reported this false debt to the credit bureaus. The CBE Group stated that in order to cancel the debt I will need a letter from XXXX XXXX XXXX. I was on the phone for an hour with a representative at XXXX XXXX XXXX {XXXX  ID#:

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I filed bankruptcy, and my 2 year window is up to apply for a mortgage loan. My discharge date was XX/XX/XXXX. all three credit bureaus have the incorrect date in there system, that reads XX/XX/XXXX which is not correct. This has caused me to get turned down by two Lender 's and my credit score has dropped tremendously because of this and this is affecting my way of living. My goal this year was to be in a new home by now i should have been Closing on my new home, but that is not the case. I talked to XXXX over the telephone and they assured me that they had the dates correct on there end. It was very hard to get in contact with XXXX and transunion because they do not have a direct telephone number. I even had a lender to reach out to all three credit bureaus and i signed a authorization form for them to update or take the incorrect date off of my reports and they told my lender that they updated it, so she ran my credit again like a month later and the same thing is just sitting on my report. This really anger 's me because now i have extra family and i stay in this 2 bedroom apartment. Please help us to fix this simple issue. I have uploaded the form that i filled out to send to all three credit bureaus..

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 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a account reporting from  XXXX   XXXX  on my Experian  Credit File . I have written/called them several times asking for written verification of this account and each time all they say is the account is verified but they wont tell me how it was verified and have not provided me with anything in writing.

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 06/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: Universal Premium Fleetcards / Mastercard   XXXX   UPF auto signs up their clients into programs ( in this case a percentage of our bill going to planting trees ). I have never heard of this program nor did I sign up for it. {$57.00} was charged to our account. They credit it IF you discover it and IF you call in to get them to credit it. However they credit takes 2-3 billing cycles or 30-45 day s. If they have  XXXX  clients they fraudulently sign up, at {$57.00} each, that 's $  XXXX  they control for  XXXX  ... at 1 % interest, they just cleared {$570000.00} for fraudulently charging clients. This ca n't be legal, can it?      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX  XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/27/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Problems caused by my funds being low

Complaint: I am a former employee of Wells Fargo. While an employee, I had all of my accounts there per the firms requirements. I left about a year ago and moved my investment accounts, but kept my checking, XXXX accounts and mortgages with Wells Fargo. I had a PMA account which would have a fee, but due to my having all my accounts there it was waived and ATMs at other institutions were credited back. Recently Wells Fargo sold their XXXX accounts to XXXX Bank. In doing so, my account was free at Wells Fargo and now has a monthly fee of {$3.00} a month without notice or ability to modify. Additionally, Wells Fargo no longer counts the balance of my XXXX towards my total balance at Wells Fargo which subjects me to monthly fees of {$30.00} a month and I no longer get the reimbursement for using non Wells ATMs. What bothers me the most is I was not notified in advance, and I have sent XXXX messages to Wells with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Credit card () with CITIBANK, N.A. (NC).
Issue: Late fee

Complaint: I have a credit card account with Best Buy and their processing issue caused my payment to show up as late even though I provided proof that I sent the automatic payment within the needed time frame just as I had for the previous year. They have added negative items to my credit report due to their error and I would like them removed. I feel that their business practices made it so that my payment would show as late and they could collect a late fee they were not entitled too.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have tried on multiple occasions in my dealings with both the Fraud department and most recently the Office of Consumer Affairs to have them change my current address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Unfortunately, in my several attempts to upload the necessary pages of my lease, apparently the online system to which a consumer is to upload does n't work. Henceforth, I am trying to utilize the method to get this rectified accordingly. I am attaching a few pages of my lease for verification purposes and would appreciate someone reaching out to me to let me know if in fact additional documentation is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was recently the victim of identity theft via a massive data breach last year with my former health care insurance company, XXXX. I received a bill for cell phones purchased in my name from XXXX in XX/XX/XXXX of last year and immediately called and reported it with XXXX in XXXX 's Fraud Department on XX/XX/XXXX. She helped me report the account as fraudulent as she assured me the account was marked as " fraud '' and closed. I have continued to receive bills from XXXX and now also received a collection notice from GC Services Limited Partnership. I called XXXX to inquire about why they would have turned over a closed fraud account to a collection agency, and I could not get through to anyone via telephone in the XXXX Department for help. I was referred to a website dispute form to fill out and submit, by All Clear ID ( a credit monitoring and assistance company hired by Anthem to assist their ID theft victims ). This dispute form states clearly that XXXX has 30 days to respond. When I spoke to XXXX XXXX at GC Services Limited Partnership, she said that she can place the account in a dispute status only until XX/XX/XXXX and then it will be reported at all credit bureaus. Since I can not obtain my police report for a week, it would seem that XXXX has made it impossible for me to remedy this situation that I am completely not responsible for, in time to prevent my credit from being affected. I am now forced to seek legal remedies from XXXX due to their unethical practices and refusal to help me in any way other than a process they have devised to allow them to take advantage of anyone who has been victimized by fraud. I have been victimized by Anthem 's lack of data protections for it 's customers, and now I am being victimized by XXXX for an account that I did not open.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (RI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax security breach - cyber attack has now placed my identity at risk. Equifax is suggesting we place freeze XXXX only good for 90 days XXXX and is offering a 1 year fraud protection account but the information obtained in the hack includes social secuity numbers and other information that will have a much longer shelf life! It is crazy to me that their company has placed my long-term financial future at risk but they are only accepting that mantle of responsibility for 1 year and offering what I consider to be ongoing laborious responsibility on our - the victim 's - shoulders. I am a tax paying citizen and feel like there should be some government intervention to ensure Equifax is accountable. I know this is unprecedented but I do not believe that I ever " signed up '' to allow a credit agency to warehouse my personal information and if they did so, without my explicit permission ( which may have indicated that I accepted whatever resulting risk ), then they should also have the responsibility to protect the information. A breach of their security means, they 've not only put me at risk but also expect me to be fully responsible to ensure the information stolen is not used inappropriately fir the rest of my life!

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (MI).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Chase  is deliberately manipulating transactions so they can collect insufficient fund fees. My apartment complex is always slow in depositing my rent check, So I watch very closely when it is removed from my account. As of last night  XXXX   XXXX  the check had n't cleared yet. I get paid by direct deposit. Today  XXXX   XXXX . This morning I hav e 2 i nsufficient fund fees. One transaction was there and had cleared no problem. If this check was " in my account during the business day '' as they claim I would not have been able to fund a bill off their bill pay site at  XXXX  that  XXXX . Nor would I have paid another bill because my account was low. Additionally earlier that day I stopped by the ATM checked balance and everything was fine. I would not have taken money out if they check was there. They have done this in the past and refunded the fees without a problem. Once they caught it on their own and reversed the fees. Second time I had to request it. Their claim is I have already been reached the maximum refund allowed. They always do this right when they know I get paid the next day. Tired of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/26/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Settlement process and costs

Complaint: I have recently accepted a trial mortgage modification with Nationstar Mortgage. They are a XXXX company, although they did not disclose that in the initial offer. The three month trial period is over and they have sent me the final documents to sign. The letter that accompanied the loan document offered an extension if necessary. I have made two attempts to request an extension due to business travel. They gave me a deadline of XXXX XXXX, 2016 and I will be away from XXXX - XXXX for business. I was unemployed for almost five years, working jobs that kept me below poverty level to get by ... it was so bad, I was on food stamps. In XXXX, I finally got a permanent job and now would like to get back on track with my payments. I need to focus on this business trip and keep this job. I also need to speak with a family friend who is an attorney who will review the document for me, without charge, but he is busy with court dates and it will take time to connect with him. 

When I called to request the extra time, I was spoken over, yelled at, and never given a straight answer as to whether or not I may have the extension I requested. The document is ambiguous and I need time to have it explained to me and understand fully what I am signing. I kept asking for a simple yes or no and the rep just kept talking over me, arguing with me, asking me why I need so much time. I need time to research what I am getting into and it is not unreasonable to request the extension, especially since they allude to it in the letter. The last two reps have been male and very aggressive. The conversations were recorded ( so they say ). It certainly does not make me feel confident about entering into a business transaction with them.

Company response to consumer: Closed with explanation