milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I received credit information regarding a background screening results for pre-employment. XXXX Mortgage XXXX has placed on my credit report that I have a XXXX lien mortgage agreement with them. XXXX indicates on my credit report that I opened an account with them on XXXX/XXXX/XXXX. I DID NOT sign a XXXX lien mortgage agreement with them. According to XXXX I have a XXXX lien mortgage that totaled {$90000.00} and I have a balance of {$62000.00} and I owe a past due amount of {$28000.00}. On my credit report XXXX indicates that in the prior 15 months I was 120 days late XXXX times. ( Due the math ). XXXX indicates on my credit report that I signed a XXXX lien mortgage to pay them {$680.00} for 120 months ( 10 yrs ). According to the credit report, I stopped making payments from XXXX XXXX so as a result it looks like I have made regular payments of {$680.00} for the past 12 yrs ( XXXX/XXXX/XXXX ) which totals my payments to XXXX to be {$99000.00}. Which I haveNOT. XXXX reports on my credit report that I stopped making payments as of XXXX XXXX. Since this was my last payment with XXXX I would like to review any payment records and my cancelled checks up to XXXX XXXX. According to XXXX as of XXXX/XXXX/XXXX I am 120 days past due. I had a XXXX lien mortgage with XXXX in XXXX on XXXX address and I had a XXXX lien mortgage with XXXX XXXX in XXXX on another address. XXXX resulted in foreclosures in XXXX and XXXX. In my opinion, I believe XXXX XXXX would not have allowed me to purchase another home in XXXX with a XXXX lien mortgage on my credit report with XXXX. At the time of that XXXX purchase I had a credit score of XXXX. Please investigate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NJ).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I received a letter in the mail stating that all my credit cards have been closed as of XX/XX/2018. I have no idea why. all my accounts are in good standing, ive never missed a payment, and i havent done any illegal activity whatsoever. I was stunned for this to happen to me. This is just a case of pure bullying by someone who has more power than me. now, i am without a bank account of any kind, and i am missing all the lines of credit that were available to me. How am i going to keep up with my daily expenses? I have no idea ...

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   debt and mortgage showing on my   XXXX   all  XXXX  matter fact i 've never bought a mortgage and   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 11-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I closed a XXXX XXXX credit card over two years ago, but it looks like I just closed it in the last month, which is inaccurate. I decided to close the card due to redundancy & less use, so I went through the process online with the website, and assuming the messaging was accurate and logging data I never even had to call to speak to someone, assuming the XXXX XXXX the brand propagated was accurate. 

I just confusingly learned from an auto-generated email about my account address being changed a.nd officially finally cancelling successfully, with a human being to confirm and everything. There 's a ~6 month gap of any communication to me regarding my card, thus indicating data loss likelihood and supporting my assertion that the card had been closed properly. I recall that the website was undergoing massive tech changes/updates/bugs during that time, so this mixup and any record of the event is only strongly supported by the subsequent 2.5 years of inactivity and {$0.00} balance. Regardless, the company told me they could n't file anything to resolve it internally or on my behalf, and informed me I would have to submit this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have repeatedly stated that I have been a victim of fraud. I sent copies of my ID info ( ss #, Birthday, and Drivers License, etc. ) requested that the credit reporting agency remove the various unauthorized inquiries and even a couple of accounts that I did not secure from my report. They have simply asked that I contact the original inquirer and ask them to remove. A a citizen I have the right to have only accurate credit reporting.
XXXX XXXX XXXX XXXX - XXXX ( continued to report this account as mine when it is not. I contacted Better Business and they reached out to XXXX and XXXX XXXX contacted credit agency to delete, but the account contiues to show up on my reports ) XXXX XXXX XXXX - XXXX ; XXXX ; XXXX ( These accounts are all inaccurate and I sent copies of my ID info to Credit Agency to delete these three account. three weeks later they just tell me that they have all been verified. It 's impossible to verify false accounts. I do not own a XXXX XXXX XXXX nor have had THREE XXXX in the past year. The credit agencies are not giving my accounts the attention needed since I have filed ID theft claims.
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Inquiries : XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ; XX/XX/XXXX- XXXX  XXXX XXXX XXXX ; XX/XX/XXXX- XXXX XXXX ; XX/XX/XXXX- XXXX  ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX - XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX - XXXX XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX-XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX-XXXX XXXX ; XX/XX/XXXX - XXXX XXXX XXXX  ;XX/XX/XXXX XXXX ;XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XXXX & XX/XX/XXXX; XXXX - XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX -XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ( this bank called me and I told them I did not authorize and they still have this inquiry on my credit ) ; XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 03-06-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (TX).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I had an existing 6-month grace period on my student loan account. When I applied for an unemployment deferment, it overrided my grace period, cutting it short. Now Great Lakes is saying I must pay up soon. 

Furthermore, I am in graduate school. 

I am publishing this information to the Consumer Financial Protection Bureau for others to see.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/2018, I called my bank USAA and said I needed to make a transfer but I did not know if XXXX app that they advertise through their website would be safe. I have always used XXXX for transfers and had no issue. The customer service representative said it was an app used by many banks in the US and it was a safe way for purchase, transfer etc. I felt much secure once the customer service representative said that. 

I made a transfer from my bank account through XXXX ( app that USAA advertise in they website ) for {$200.00} to purchase concert tickets for my daughter and I. After 5 minutes that passed and I had no reply from the seller, I called USAA and explain the situation. They said they were going to stop the payment and I would get a refund. 

After 2 weeks I called them back and they said they weren't able to give me my refund because the seller never contacted them back again. Obviously it was fraud and they could not protect me as a customer. I would like them to give me my refund as they stated in the first conversation I had with customer service. If they advertise a app, say it is safe to use and we are protected as costumers they should be able to honor it. So please make an investigation and help me get the {$200.00} back. 


Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Mortgage (FHA mortgage) with GUILD MORTGAGE COMPANY (MT).
Issue: Loan servicing, payments, escrow account

Complaint: For the past 6 years we have had an active mortgage loan with Guild mortgage. We had set up agreements with them regarding making monthly payments and another 1/2 a payment. They continue to state that they did not set this agreement now that it has come to our attention due to putting the house up for sale that they were not indeed applying this money but taking the payment and keeping the other 1/2 a payment in an undisclosed account. This year with graduation as a XXXX we elected to just go back to making monthly payments well we did not relize that over time each payment was slightly short a few dolars or cents. Instead of notifying us of this even though we were calling and physically talking to an employee working at Guild that was giving us the amount to pay they would just put the money in an " undisclosed account '' and repeatedly reported us to the credit bureau. When it came time for the final payoff as we are in the process of selling I received a payoff statement with all this reported late charges etc. No phone call nothing and we then received our credit report. I become XXXX when I saw what had been repeatedly reported as being late of payments. I called to discuss this matter and have continued to get the run around. I have received letters stating they would perform a correction with the noted credit reporting which has not happened. We are now being denied for a home loan because of what they have done to our credit. In 6 years I have paid every dollar and have worked for every XXXX. I feel as though they are destroying my life literally and when I tried to explain the current situation the loan individual literally laughed. I feel trapped and they stated they are in control which is more than clear at this point. I want the reported mistakes acutally taken off so I can more on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX   client  XXXX   XXXX  is a victim of identity theft. Someone used his information to apply for several credit accounts without his consent. Among these are  Barclays Bank credit card service. A formal dispute was mailed to Barclays Bank,  certified mail with return receipt     X/XX/2017   which  Barclay  Bank did receive. A recent credit report  X/XX/2017    still shows the  Barclays  inquiry listed with the credit bureau  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 01/30/2017 about Credit card () with PNC Bank N.A. (IN).
Issue: Closing/Cancelling account

Complaint: PNC opened a credit card and spelled my name wrong XX/XX/2016. Error went unnoticed until 2 payments were rejected after I tried to pay from PNC site. I contacted bank I was trying to get payments from and they told me they rejected them because name did n't match account. PNC then closed my account. I called PNC to try to get them to change name on account and they told me they ca n't do it on a closed account. I eventually got them to escalate the situation and they told me they would call me back. In the meantime this maxed credit card hit my credit report because I ca n't make pull a payment to it. and has tanked by credit score while I 'm in process of getting a new mortgage. PNC has refused to reopen the account based off their error. I have checking account besides this account so they 've pulled both my XXXX report and credit reports so if there was an error in my name it should have been discovered long ago. PNC is claiming name is wrong on my checking account too. It 's been beyond frustrating as I 've been on the phone with them half a dozen times and there 's never anything the person on the phone can do and that they 'll contact me with an update. I 'm hoping this leads to someone that can help me. At this point they 're defrauding me of money by opening an account on my credit report ( not even my name ), tanking my credit score and charging me interest and fees while giving me no way to stop it.

Company response to consumer: Closed
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I signed a Financial Disclosure For Reasonable And Affordable Rehabilitation Payments on my student loans with XXXX. XXXX XXXX XXXX, XXXX.. They based the monthly payment amount on my income. This has been being paid monthly since XXXX/XXXX/XXXX yet it is still showing as a collection that payments are not being made on with all 3 Credit Bureau 's. 
This is incorrect and needs to be fixed back to the date of XXXX/XXXX/XXXX immediately.

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 10-12-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with RFNA, LP (AL).
Issue: Struggling to pay your loan

Complaint: Republic Finance calls me everyday, sometimes twice a day and never identities who they are in their voicemails. Addirionally, they call from a different phone number every time they call. Most recently before inquiring about a debt collection, they offered me an additional line of credit as if they were masking the reason for their call. In addition to repeated phone calls, they 've also begun calling me at work as well as calling my family members. I do n't know how they got my brother 's cell phone number because I did NOT give it to them. That is unacceptable. I 've missed XXXX payment. XXXX! They 've called me every single day for a month.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Billing disputes

Complaint: I have a Bank of America- Visa Credit Card XXXX This card had a balance of {$2800.00} in XXXX XXXX. Because I was going to be traveling for 6 months into XXXX on XXXX XXXX, XXXX, I requested the monthly Visa payments be automatically deducted from my checking account which is also with Bank of America. I completed the automatic payment request with XXXX, at the XXXX XXXX XXXX of Bank of America located at XXXX XXXX XXXX XXXX, XXXX XXXX, Az XXXX. XXXX assured me that it was all set up with the payment arrangement of {$100.00} to be deducted automatically every month. We confirmed this with the Credit Card Department which received the information that same day XXXX/XXXX/XXXX. Keep in mind I was traveling -- Bank of America mailed me a letter dated XXXX XXXX, XXXX stating they were unable to deduct my monthly payment because the credit card account has a closed status. So, for 6 months the payment was not automatically charged as agreed -- -and I became delinquent on the Visa account. {$35.00} late charges for 6 months, along with more interest due to the balance going up each month. When I returned to the States, on XXXX XXXX, XXXX I read the letter that stated they were unable to charge my account automatically -- -I had not had my correspondence forwarded since I was traveling. How was I to know that the original arrangement was not followed through by Bank of America. Here is the kicker -- -when I returned I called Bank of America to see what could be done with the delinquent amount and if the late charges and any interest charged due to their inaccurate information the payments were not made. So, I called the collection department and spoke to a young lady named, XXXX XXXX, she stated she could submit an order to get the late charges reversed and refunded to the account but the account needed to be at a Current Paid Status -- I paid the amount past due of {$640.00}. to bring the account current. Once the payment of {$640.00} was processed and had gone through, she then retracted her statement saying she could NOT reverse the late charges because I had been past due in the past. What a joke this was on me -- made the payment and then once again, fraudulently, advised. One important statement she did make was that it does not matter whether an account status is open or closed the payments should be able to be paid automatically as originally was to be done. Please help, I am a XXXX year old, lady with a financial hardship due to illness and then for this to happen is not very professional on the part of Bank of America. Fraud on their part to take a consumer for more money.

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 12/29/2015 about Credit card () with JPMORGAN CHASE & CO. (OH).
Issue: Transaction issue

Complaint: In 2014 I was contacted by a company named XXXX and offered the opportunity to make money online with their XXXX online business. I paid them {$4600.00} for one years XXXX program and XXXX affiliate pages. I only received XXXX pages and a virtual XXXX download that disappeared from my computer. When I noticed that my XXXX was missing I contacted the company was told that they were relocating out of the country but would still honor their contract. Needless to say, they did not honor their contract. The services were not provided. I was ripped off.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Debt collection (Medical debt) with Strategic Alliances, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had  XXXX  in  XX/XX/XXXX . I had medical insurance and I never received a bill from the hospital concerning the  XXXX . Three years later, I received a notice from a debt collection agency stating that I had a balance due from the  XXXX . The balance was {$1100.00}. The debt collection agency has tried numerous times to contact me via phone calls and notices in the mail. On  XX/XX/XXXX , the debt collection company filed a claim against me through  my local county 's  magistrate court.   Last month, I obtained a copy of my credit report and the debt collection agency has placed the debt on my credit report as a collection. I do not owe this debt. I never received a bill for {$1100.00} from the hospital in the years following the  XXXX . The hospital where the  XXXX  took place has filed bankruptcy within the last few years and is under new management. I believe this bankruptcy has forced this new company to try to obtain monies from past patients.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 've been battling with XXXX XXXX XXXX since XX/XX/2016, pertaining to a Home Equity Line of Credit. This account was mishandled by XXXX XXXX XXXX, subsequently XXXX XXXX XXXX  agreed they would not attempt to collect any funds for this account and they released any liens against me an my wife pertaining to this account, however XXXX XXXX XXXX continued to report a past due balance on my credit reports and my wife 's credit reports for almost one year. My wife and I contacted the Credit Bureaus multiple times to remove the incorrect information. XXXX XXXX removed the incorrect information, however Experian and XXXX have continued to report incorrect information on our credit reports, this has been extremely stressful, extremely time consuming and has drastically effected both of our credit profiles. XXXX XXXX XXXX 's callous disregard for providing accurate information to Experian and XXXX is truly egregious and Experian and XXXX 's unwillingness to correct and/or remove the false information from our credit reports has been extremely frustrating.

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 06/24/2017 about Debt collection (Auto debt) with SUMMIT FINANCIAL CORP (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX/XXXX/2017 This car was volunteer repo Because I told them to come and get it because I did n't have a job

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 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (ID).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Multiple car companies and credit cards

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Credit card () with JPMORGAN CHASE & CO. (MO).
Issue: Balance transfer fee

Complaint: I transferred XXXX credit card balances totaling {$660.00} to Chase at a promotional 0 % APR for 12 months. At the time my bill was due I paid my card in full less the balance that was under 0 % promotion. I was subsequently charged an interest fee event though I paid the full balance that was subject to interest charges.

Company response to consumer: Closed with explanation