milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-03-2018 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: This is the 3rd time reporting into this really simple dispute. ACCOUNT HAS BEEN OPEN AND CLOSED 5 or MORE TIMES WITH NO LEGAL EXPLANATION BY CREDITOR OR CREDIT REPORTING AGENCIES EXPERIAN XXXX  AND XXXX ALONG WITH THE THIRD PARTY REPORTING CREDIT XXXX AND XXXX XXXX ALSO REPORTING THE OPEN AND CLOSE DATES OVER AND OVER BUT MY AVCOUNT IS IN GOOD STANDING AND NEVER CLOSED BY ME THE CONSUMER. I AM NOT A FAN OF OPENING ACCOUNT PRACTICES THAT XXXX HAS BUT ITS AN ACCOUNT I HAVE FOR NOW. THERE IS NO OTHER RECOURSE BUT TO CONTACT ATTORNEY GENERAL AND AN ATTORNEY FOR DAMAGES. FAIR PRACTICES AND RIGHTS HAVE BEEN IGNORED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Debt collection (Payday loan) with Alliant Capital Management LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Callina A XXXX year old female home phone when asked not to.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Auto) with CarMax, Inc. (VA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I Trade in car with clear title that was send to me from that company.I told them i know longer have the car and for them to get in touch with the company I sign the title over to. for them to collect the balance they say i owe. They won '' t stop calling my cell phone and leaving messages. I no longer have that car it been gone since XXXX of last year.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (OH).
Issue: Application, originator, mortgage broker

Complaint: Our loan officer, XXXX XXXX, lied to us on two occasions. The first occasion began when my wife and I asked for our rate to be locked at 3.75 %. She responded the next day by saying that our rate was locked as of that day and that we would be receiving a form to sign to that effect. We waited a week before emailing again to inquire about the form as we had not yet received it. She responded that day by saying that our rate was locked but at 3.875 %. She wrote in her email to us that she thought that " we had discussed this. '' Of course, that had not happened. We had no email notification and no phone contact with her. I will apologize and withdraw this complaint if XXXX can provide so much as a phone record stating that she spoke with my wife or I during the week since stating that our rate was locked while referencing a document listing 3.75 as our rate. 

I contacted XXXX 's supervisor to have him correct her behavior. He did. However. No apology was given. And while we requested a new loan officer on account of XXXX 's behavior, our request was not granted. In fact, XXXX then called and left a rude and unprofessional phone message. 

On the second occasion that XXXX lied, our realtor was reviewing disclosures a week prior to closing and noticed that some closing costs were being billed to us. Our realtor emailed XXXX ( while cc'ing us ) to ask for an explanation as the understanding was that no closing costs were to be billed. As I saw no response from XXXX to our realtor, we emailed her asking for an answer. XXXX emailed back to say that she had already responded to our realtor in stating that they would be removed just prior to closing. This was a lie and our realtor immediately noticed and wrote her back to say that she had received no such response. When I emailed again ( while cc'ing XXXX 's supervisor ) XXXX responded by rudely stating that it was n't her responsibility to explain things to our realtor - completely ignoring the fact that she had just lied to our realtor, my wife, and I. 

Further, it was our understanding that we were to have received a final loan disclosure document 10 days prior to closing. We did n't see the final document until we were at the signing. We had to check whether or not XXXX had changed the terms of the loan at the signing. 

Our experience with XXXX XXXX and XXXX XXXX was extremely unpleasant. We will make sure that everyone we know and who will listen will know about our experience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Debt collection (Medical debt) with Credit Bureau of Bessemer, Inc (AL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: XXXX XXXX XXXX XXXX in attempt to collect a debt disclosed personal information about my health which is protected under XXXX. After the said violation, they provided information to a third party Credit Bureau of Bessemer. When I wrote them, they sent me a copy of the medical information which is protected under HIPPA. I notified them of said violation at which point they retained XXXX XXXX a law firm located in XXXX, Alabama. I contacted XXXX XXXX 's attorney of Record who is handling this issue XXXX XXXX XXXX via fax, email, and phone to no avail as she sent a letter stating that my HIPPA rights were not violated via their client 's collection practices. I informed her that the information sent to me to validate my debt was indeed a violation of my HIPPA rights. Once in receipt of said information, I got no further response nor even an acknowledgment of receipt. I was then sent a follow-up collection letter by their client XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have been a victim of Transunion inquiry issue. I reached out to the company and they refused to assist me with my concerns.

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 06/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have already submitt ed one complaint about Navient, bu t they have continued to handle my account in appropriately. I make extra principal payments each payment, which they have been putting on principal, but they are continuing to say I am ahead on payments due to this. The supervisor I spoke today said it is being marked as paid in advance. They have never once told me that was marked in t he 3  other times I have spoken to them, or offered to unmark it until I spoke to the supervisor today. They should not be allowed to just mark that with extra payments on principal without discussing it with the customer. That is a shady and unethical way to try to maximize the interest they are getting back on the loan.   Additionally, the payment for  XXXX  was sent on  XXXX   XXXX ,  2017  and then the payment for  XXXX  was sent on  XXXX   XXXX ,  2017  and the  XXXX  payment was  XXXX   XXXX ,  2017 . However, when the supervisor said he could unmark the paid in advance but then I had a payment due tomorrow,  XXXX   XXXX ,  2017 , so the other payments have not been applied correctly. Every time the payment is made a note is included saying the extra money is to go on principal and not to change the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Since my bankruptcy discharge, XXXX XXXX, 2016. I have disputed incorrect information on my credit reports through all three major credit bureaus multiple times online over the past 3 months. This is becoming very frustrating and although all XXXX XXXX 's with each complaint, did slightly alter some information such as " chapter XXXX '' when I filed chapter XXXX, the post bankruptcy reporting is not per the Fair Credit Reporting act. All XXXX of the accounts still showing as negative, charged off, are keeping my scores in low XXXX 's. As well at my debt to income isnt accurate. Please assist me in this step of my attempted credit repair?

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Bank account or service (Checking account) with BB&T CORPORATION (PA).
Issue: Deposits and withdrawals

Complaint: XXXX XXXX of Susquehanna Bancshares XXXX XXXX, filed false legal charges against me by not give me my Rights to a Substitute Check and not fully disclosing my terms the the XXXX Police Department at the time during the interview with the XXXX Police Deparment officer named in XXXX of Pa Docket # 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 11-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with COMMERCE BANK (NE).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I need help with understanding the legal/ethical practice of Commerce Bank repossessing my camper after I had filed for bankruptcy. I have not obtained a clear or accurate definition of how/what occurred. I had not had any contact with Commerce since XXXX, 2016. After receiving their letter informing me of the auction date, I called to inquire and have been given three pieces of information that seem wrong/unethical. 1. We did n't have a number for you. False 2. They could n't contact me due to my bankruptcy. 3. Reported that their documentation stated that I had personally asked to have the camper picked up. False. 
Please contact with any needed info/questions.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (NY).
Issue: Settlement process and costs

Complaint: I have applied for a Home Equity Line of Credit ( HELOC ) from Citibank.. I submitted the application in XX/XX/XXXX ; it took until XX/XX/XXXX to initially be approved. It took five monthsbecause my XXXX had a mechanic 's lien attached to our deed and Citibank dragged their feeton identifying this as the cause. The coop kept on stalling and finally admitted that the did not pay the {$55.00}. filing file to prove satisfaction of the lien. Citibank paid the {$55.00} and anticipated at closing I would pay them back and the XXXX would then reimburse me. 

I am XXXX. When I filed initially, I was making $ XXXX/year. Then that job ended, I took another job paying $ XXXX/year. By the time the lien was satisfied, my XXXX job ended and I then was working XXXX job making around $ XXXX/week. 

Since the process dragged on, Citibank asked me and my wife to resubmit our pay stubs. 
At the point we resubmitted, since my income had dropped, Citibank changed the acceptance to a rejection. 

About three weeks ago, I secured a full time job paying $ XXXX/year. We again submitted our pay stubs and we were asked again many questions. At this point, we are now at 9 months since filing the original HELOC application and, in my most recent conversation withCitibank, I was told to have patience. I indicated my patience has worn out. Since I had been underemployed and my son started College, I borrowed funds from my IRA in anticipation of securing the HELOC. I am quickly approaching the 60 days and the penalty period forrepayment of these funds is quickly approaching. 

In my opinion, I think this process should never had dragged out so long. If we had closedby XX/XX/XXXX ( which I think is reasonable ), I would still be at my $ XXXX/year job and we would not be discussing any issues of not having a high enough income.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company previously removed this account from my credit report. About a week ago THEY PUT IT BACK ON. They continue to try to collect a debt that is not owed. 2 years ago I tried XXXX for cellular service. The service left a lot to be desired and every month my bill would creep up. XXXX day I contacted XXXX to find out why my bill was continuing to get higher and how I would go about canceling my service. I was told by the representative that I would have to send in a letter canceling my service. Well guess what I guess the rep got annoyed with me because 15 minutes later my service was disconnected. No warning nothing. Phone was disconnected so I was without a phone for several days. 

Then all of a sudden XXXX is telling me that I owe them {$500.00} for an early termination fee? How is that when XXXX was the one who broke the contract when the summarily turned off my phones for questioning their business practices. I filed a complaint with the XXXX and in response I received a phone call from a very rude women at corporate. 

I was told by their CORPORATE that if I returned the phones they would waive the early termination fee. I was even provided with shipping labels to return the phones. So I returned the phones ( by the way they were older model phones and refurbished so we are n't talking top of the line phones here ). I hear nothing again from XXXX and I figured they received their phones back. Fast forward ... .I begin getting letters from this Southwest Credit stating I still owe XXXX {$510.00} for " early termination fees '' A. XXXX turned off the service NOT ME and XXXX the phones were RETURNED. Somehow this company or XXXX can not do their jobs properly and are harassing me and ruining my credit for no reason other than they are incompetent. 

I am a single mother and a XXXX veteran and am trying to move to a better paying job but will be unable to secure housing for myself and my XXXX XXXX XXXX son because of this incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not give permissible authorization for this company to check my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I 've been a victim of Transunion 's inquiry issue and they refuse to remove the inquiries after calling their customer service representative. Their customer service would not help and take care of the negative inquiries reporting to my credit report. 

For resolution : Removal of the following inquiries on my Transunion credit report immediately : XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/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 non-monetary relief
Consumer complaint received 04-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Alleged debt was from XXXX for a receiver that was lost while being returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/19/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent a letter to XXXX XXXX XXXX on XX/XX/2017 notifying them that the debt they were trying to collect on was reported more than 7 years ago. They have not sent me anything contradicting that and are still reporting this account as a collection account. The original creditor removed this from my credit report for the above reason.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: Wells Fargo decided to close my accounts for unspecified " security risks '' and then proceeded to remove my direct deposit which caused overdraft fees. They also reversed a deposit for a debit card dispute that had already been investigated and closed in my favor causing another overdraft fee. On top of that they're continuing to allow payments to come out of a CLOSED account so they can rack up even more overdraft fees on a CLOSED account. They're now calling me several times a day to collect money I'm not giving them. This is ridiculous.

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 06/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion shows XXXX open accounts in collection for medical bills originating at the XXXX ( {$1200.00} ) and XXXX ( {$650.00} ). XXXX these accounts are actually for the same bill. XXXX sent me correspondence stating that they would accept a reduced amount ( {$650.00} ) to satisfy the outstanding {$1200.00} bill. I paid the agreed {$650.00} directly to XXXX on XXXX XXXX, 2015. The cleared check is attached. Despite my resolving this account by agreement, Transunion still shows these accounts as open and in collection.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I have had immense difficulty in trying to freeze my credit with all reporting agencies. After the hack that stole data from Equifax, freezing my credit should be free across the board at minimum. Better yet, they should automatically freeze all credit until you unfreeze it.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Money transfer, virtual currency, or money service (Foreign currency exchange) with PNC Bank N.A. (IL).
Issue: Incorrect exchange rate

Complaint: On XXXX XXXX, 2017, I received a wire transfer from the sale of my company stock. The amount was XXXX euros, held in a French bank. 

Once deposited into my bank account ( at PNC ), it was {$86000.00} XXXX. This would put the exchange rate at XXXX EUR/USD. Additionally, PNC charged me a {$15.00} fee for the incoming wire transfer, which I am not disputing. 

However, the market rates were considerably higher at the time ( xe.com shows XXXX for that day - attached XEEURExchangeRate.png ). I had other work colleagues that performed the exact same transaction with their bank on the exact same day. The rates that they received were in line with xe.com 's rates for the day. My co-workers received as high as XXXX for their exchange rate. 

I contacted PNC on XXXX XXXX to dispute the exchange rate. The first question I asked the representative was to give me the current day 's exchange rate. He confirmed that it was XXXX. This is consistent with xe.com 's rates for that date. I then asked how I was given a rate much lower than the market on XXXX XXXX. He transferred me to another department ( the foreign exchange department ). 

This person confirmed that the rate on the date of transfer was XXXX. I asked how the rate could be so far off of the rest of the market, and was told that they did not know and could not provide more information. I asked how the person today could quote me XXXX as an exchange rate, and was told that he mis-spoke, and that his rate was not accurate. 

I sent my transfer to PNC because I counted on them to be comparable to other banks. In fact, their website states " PNC 's exchange rates for individual foreign currency orders are competitive with those offered by local banks. '' ( attached PNCExchangeRates.png ). Their rate was considerably lower, and if we consider XXXX a fair exchange rate ( based on XXXX 's rates for the day ), I was shorted {$3400.00}. 

So if PNC is not competitive, and there is no way to verify rates with them ( either before or even after a transaction ), then it seems that they are fraudulently misleading their customers to believe that foreign currency will be exchanged fairly.

Company response to consumer: Closed with monetary relief