milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/13/2015 about Consumer Loan (Title loan) with CHECK INTO CASH INC. (KS).
Issue: Lender repossessed or sold the vehicle

Complaint: Check into Cash XXXX have started to call my neighbors and their caller ID clearly showed Check into Cash, XXXX. They have requested my neighbors contact me. My neighbors were clearly embarrassed to do so. Although I have not lost my car yet I know that they want a very good car they loaned on the cheap. I am XXXX ill and over the last month have been extremely XXXX XXXX bills take precedent over a 179 % loan at this time. I had informed them that making a XXXX mile round trip was at times going to be impossible and was informed " we only accept cash payments ''. The pressure I am under beyond description. I have already, in interest payments alone, paid them more than what I borrowed. I just will not end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/28/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (SC).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I have a long history fighting my bank ( BBT ) trying to OPT OUT of overdraft fees. In fact, previously, I could 've ( and should 've ) filed prior complaints regarding their irresponsible actions. But I let it slide each time because the fees were n't excessively crushing and they promised me the mistake would n't happen again. Today that changes. I called in early XX/XX/XXXX of this year ( did n't record the exact date, but they have the date in their system ) and pleaded with them to opt me out of overdraft fees. I called the BBT branch located in XXXX on XXXX XXXX XXXX and spoke with XXXX XXXX, I believe ( XXXX ). She told me that she was n't allowed to opt me out of overdrafts with her over the phone, BUT she told me she would make an exception for me and that she would opt me out over the phone. She said that all I had to do was " come into the office sometime in the future and sign a paper ''. Fast forward to XX/XX/XXXX and XX/XX/XXXX and I find out I was charged for {$210.00} in overdraft fees, resulting from XXXX purchase ( XXXX subscription {$14.00} ) which caused my account to go to - {$5.00} ( approximately ). I was charged {$210.00} for this overdraft, even though BBT policy states {$36.00} per purchase going into the negative. I went to the XXXX branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke to XXXX XXXX ( I had lost all faith in the bankers located at the XXXX address ). I described to him this entire situation and he looked up my records in his computer. He read out to me the following statement from the records he had regarding me and the phone call I had with XXXX XXXX : " Client was told he was opted out ''. XXXX XXXX  had proof right there in his system that I had been told I was opted out, even though it obviously was n't true due to my {$210.00} in overdraft charges. He still did n't provide me with a refund, and he told me he had to forward this information to his " back office located in XXXX ''. This meeting with XXXX XXXX took place XX/XX/XXXX at approximately XXXX. I received an email from XXXX XXXX on XX/XX/XXXX " Hey XXXX, sorry for the late response. Regretfully it was deemed by the back office not a bank error. They said they spoke with the manager of the XXXX branch and that they said you were told on a number of occasions that you would have to go into a branch or ATM in order to Opt Out. I am sorry. If you would like that manager 's name I would be happy to get it for you. ''

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 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed with Experian a couple of times, I feel like they 're not properly investigated my dispute. And all they 're sending me every 30 days is a credit report no letter about the information about my investigation of my dispute. I have asked for them numerous times.   Account :   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 explanation
Consumer complaint received 11/28/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of 2016, I was given incorrect information from my bank ( XXXX ) in regards to whether a mortgage payment to Seterus would clear. XXXX told me that the payment would clear. The payment ended up not clearing. XXXX has acknowledged that this was their error in writing. After reaching out to Seterus numerous times, I was not able to get a clear answer in regards to why the payment did not go through i.e a supervisor told me that it was not due to insufficient funds it was due to a typographical error. I received misinformation from Seterus every time I called constantly for a month. Due to this the XXXX payment was applied on XXXX XXXX, 2016. 1 day late from the 30 day reporting guideline. They record all of their phone calls. I have requested several times that they produce the recorded conversations that I had with their reps. I am confident if anybody heard these conversations it would be clear that the late payment was due to their inability to give me accurate information in regards to my account status. To make matters worse, I am currently in the middle of a refinance on my home and this 30 day late has raised my interest rate almost .50 percent. This will cost me XXXX of dollars over the life of my 30 year mortgage. I have tried contacting Seterus several times in regards to this matter. Their reply has been " We apologize for giving you incorrect information '' however it is our policy to report accurate information to the credit bureaus '' and we deem the information we reported to be accurate. '' If anyone listened to the incompetent people working for Seterus on their customer service lines it would be clear that they are unsuitable and unfit to be a mortgage servicer for XXXX and XXXX XXXX mortgages. This company should be thoroughly investigated on there customer service practices. It just cost me XXXX of dollars due to the inability of Seterus to service my loan fairly and accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (FL).
Issue: Money was not available when promised

Complaint: Reference ID : XXXX. Its been over 180 days. I tried adding my bank but it would n't allow me. I tried requesting a check, but it would n't allow me. It seems like system is having difficulties verifying my phone number. I have {$390.00} in my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX, Transunion Deleted all of my inquiries. I recently checked and my inquiries are back on and my credit score decreased.

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 all 3 Credit Reporting Agencies via USPS on several occasions asking them to provide me with the " ORIGINAL '' signed documents sent to them by the original creditor/furnisher for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX # XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$8600.00} Under Federal law the Fair Credit Reporting Act ( FCRA ) requires the Credit Reporting Agencies ( CRA ) keep the " ORIGINAL '' signed documents submitted by credit reporting agencies/furnishers on file. Under Federal law FCRA Section # 609 also requires CRA to verify " ORIGINAL '' signed documents to validate the validity of the account before they report in to the consumers credit report. Section # 610 of the FCRA requires the CRA provide the consumer with the " ORIGINAL '' signed documents submitted by the credit  reporting agencies if it is requested in writing, within 30 days of the written request. I have been requesting the above mentioned documents since XXXX 2017 and have yet to receive ANYTHING from the Credit Reporting Agencies. I am once again asking XXXX to provide me with the " ORIGINAL '' signed documents submitted to them by XXXX XXXX XXXX in the amountof {$8600.00}. If the Credit Reporting Agencies can not provide me with the " ORIGINAL '' signed  documents I demand that they delete/remove this account from my credit report. If this account is not removed my credit report within the allowed 30 day period my next course of action will be to hire an attorney and file a law suit. Any attempt to collect this debt without validating it violates the Fair DebtCollection Practices Act ( FDCPA ). The law is very clear to the civil liability and the remedy available to me for the " negligent non-compliance '' ( Section # 617 ) if the Credit Reporting Agencies fail to  comply within the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: We are consumer whom purchased three vehicles from XXXX XXXX XXXX and financed all three. XXXX wrongly accused us of not paying for the last vehicle. We took XXXX to XXXX  and State Court in XXXX XXXX Georgia. The XXXX XXXX XXXX found a pattern where XXXX received the payments and failed to post them along with not posted those XXXX Bank paid as they received them. The law firm of XXXX and XXXX in State Court decided to file a Voluntary Withdrawal admitting we were not responsible for the debt! We need your assistance with XXXX XXXX XXXX of XXXX. We are being held down with low credit score and fighting this since XX/XX/XXXX. We have a way to buy a home and new careers but XXXX doing this ruins our lives. WE MUST XXXX, being held hostage and using XXXX and Experian has proved to be very difficult and filing complaint after complaint with each bureau with our complaint going unresolved. Each time even though we have their Attorney 's Withdrawal XXXX XXXX of XXXX and XXXX nothing is being done, We sent correspondence to XXXX XXXX an XXXX Analyst whom refuse to give a last name or number. They even tried to hire XXXX XXXX until we sent the Withdrawal from their Counsel. We are needing our credit and our scores not a run around as we have experienced. XXXX is often rude and you get no where when asking for a Supervisor nothing gets resolved. Experian is evasive and tells you they are removing it and never does. We have the proof look it up XXXX filed XX/XX/XXXX by XXXX and XXXX. We really need your help we have work to resolve the biggest problem to get our scores where they need to be. We must work quickly as often time leads to more people such as ourselves. Homeless and needing resolution long over due our family.

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 04/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are the dates this Finance Company check my credit without my permission. Ive reached out to this company multiple times with no luck. This is a auto finance company, I have not given anyone my permission to finance anything with my credit nor have I applied for any finance loans. Ive been back and forward with the credit bureaus working on my credit fraud case. So Im contacting this company directly to have these inquiries removed and or deleted off of 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 non-monetary relief
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Hello, I attempted to make a payment online to XXXX on XX/XX/XXXX. The online system had an error which stated Please enter a valid routing number. I tried to make the payment through the XXXX, phone, computer, and XXXX to no avail. The automated system was also stating the same information, therefore the payment could not be made without speaking to an actual representative. I called the next morning, XX/XX/XXXX, at XXXX XXXX when the company opened and explained the situation. The representative I spoke to on a recorded line stated there was a computer error with their systems the day before. She took my payment over the phone and explained there would be no reporting late due to this information and it was only 9 hours past the due date. I went to refinance on XX/XX/XXXX and was advised that XXXX put a 30 day late on my credit report due to their error. I called the company immediately and ask for them to remove it as a one time courtesy. I emailed and sent a letter with the same request and I received a response stating I would have an answer within 3 business days. I then called back and asked for a supervisor and was denied the name and opportunity to speak with one. This has been a constant occurrence with this lender. You can not speak to anyone regarding your concerns and get very generic answers to questions that come at the end of the mandatory time.

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 03/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Dear sirs, My issue is with a XXXX  Visa Credit Card, and Citi Double Cash Card, both issued by Citibank N.A. On XX/XX/XXXXof this year, I attempted to contact Citibank to request assistance in furnishing me with access to view my credit cards online.

On XX/XX/XXXX at approximately XXXX XXXX I was transferred to 'XXXX ' and remained on hold for more than 40 minutes without a response. I was then disconnected.

Later that afternoon at approximately XXXX XXXX I was again transferred to 'XXXX ' and waited on hold for 47 minutes and gave up.

After another 20 minutes, and the assistance of a XXXX  employee, I was connected with a 'Supervisor ' at XXXX. After a lengthy delay, he said that he had performed the actions necessary to grant me access to my account. Unfortunately this was not correct, and he made no changes to my account.

My issue is that the customer support for both the XXXX  Visa Credit Card and the Citibank Double Cash are so poor that any reasonable person would have capitulated, and they effectively do not provide these legally required services.

I am asking the CFPB to investigate the lack of access to credit card information provided by Citibank.

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 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 08/24/2015 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: Dear Regional Acceptance, I included the following documents : RAC Payment Admin - EZPAY - Phone Payment Confirmation Notice # XXXX am disputing a missed payment currently reflected on my credit reports ( attached ). 
On XXXX XXXX, 2014, I made an EZPAY Phone payment on my account in the amount of {$470.00} Confirmation # XXXX. However, in XXXX of 2014, my account was reported to the XXXX major credit bureaus missing ( XXXX ) payment. 
Please see the attached confirmation and please report to the XXXX major credit bureaus ACCURATELY as NO MISSED PAYMENTS since inception of the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ID).
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: On  XXXX   XXXX ,  2017  I submitted letters to  XXXX  requesting that personal information that is NOT mine be removed from my credit report as well as inquires. I provided the police report, a copy of my social security card and drivers license as instructed.      XXXX  addressed just a few items of what I requested and stopped investigation on the other items.     This has made it very hard for lenders to help me to obtain a home using my VA home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian Credit Union continues to report false information regarding a utility bill with XXXX. For 6 year they reported the opening date of the account as XXXX2009 with the account closing, due to a last payment XXXX/XXXX/2009. Additionally, the report date is wrong. The account was opened for 5 months and closed post XXXX refusal high rates despite a XXXX issue with faulty air conditioning. 

Currently, they are reporting the account as a loan that was taken out in 2009. The term of the loan is reported as one month. The loan is also reported as derogatory. This is despite the account being paid in full. 

-Additionally, the below noted are still being reported on my account despite letters for removal despite letters from collectors for removal. 
* {$60.00} paid medical bill, XXXX {$220.00} XXXX ( XXXX Collections ). * {$750.00} 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 non-monetary relief
Consumer complaint received 12-03-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Our mortgage was sold to XXXX different banks. XXXX of the was Bank of America. They sold it to XXXX XXXX XXXX. Now they want to foreclose on us without giving us an opportunity to solidify the debt therefore by allowing us to have an affordable payment plan according to our budget.

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 03/23/2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Transworld Systems , Inc keep calling my cell & home number all hours, using different numbers. Askingfor my social securitynumber and other personnal info. I asked them to send a bill if I owed something, they refuse. 
I have no outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Other debt) with GC Services Limited Partnership (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In the very end of XX/XX/XXXX into XX/XX/XXXX I switched two lines from XXXX to XXXX. I went through the buy out program of XXXX where they will pay up to XXXX dollars per line that switches to them off the final bill from the previous phone company. The only things I needed to do was to turn in my old XXXX phones and obtain those receipts from XXXX and then once XXXX made the final bill, take that online and plug in the info for the buy back. Over the next two months I went in to multiple debates with XXXX both in person and over the phone over this bill. XXXX initially kept telling me that the bill was not yet available and to wait till the next billing cycle and then when it would come I would receive the same answers. XXXX had also locked me out of my own account months prior to switching to XXXX and would not allow me to see my bill break downs and would only accept money for bills. I spent hours and hours on multiple phone called with XXXX both before switching and after attempting to get access and they were almost entirely of no help. No matter how many people I talked to on the phone, they for some reason were unable to give me access to my own phone account so I could see why and where my charges were coming from. Fast forward a couple months after switching to XXXX and attempting to get the final bill with no luck and suddenly I receive a notification in the mail that I was sent to collections by XXXX for not paying my final bill. This is the bill they refused to give me and that I now apparently owed something close to XXXX dollars. I obviously immediately contacted XXXX and learned that not only had they sent me directly to collections without sending me the final bill but they also had only ever switched over one phone account and still had the other account still open obviously unused for many months and racked up with fees and charges for not paying it. I am still in dispute over this with them and this just adds to the already large issue of them throwing me into collections.

Company response to consumer: Closed with explanation