milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I got a credit card from  US B ank, the  XXXX   XXXX  card. I pay an upfront fee, and get a credit limit. All perfectly ok. But I use the card daily pay it off every few days, and unknown to me I 'm blocked from using the card after paying it off twice witin my time period even though I have plenty of available credit on my card and not been late once. I was never told I was capped out on using the card AFTER I 've paid it down to {$0.00}. They sell the card based on the points you should be able to accumulate by using it, but then secretly do not tell you that you can accumulate points by using the card once you reach some random specified limit. I would not have paid the {$60.00} sign up fee to use a card that limits my use if it in such a manner where it 's paid off appropriately and I STILL can not use 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 06-07-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have been working with Experian for several months now and for the most part that have been responsive but I dont understand the responses they sent. I am simply asking for the removal of the late payments on a few of my accounts and they keep responding saying that the information has been 'verified ' but no other information. I am confused because I am sure that the information the are recording is not at all correct. For one thing XXXX has removed the XXXX Bank card because they found that they could not match my information with the ones they had on file and I thought that all of the bureaus report the same information so if XXXX removed it, why doesnt Experian? There is also a XXXX XXXX Bank account that has several late payments I dont think should be there. There is an XXXX account that XXXX deleted because they couldnt find evidence that the account was mine so why wont Experian? This goes back to me feeling like the bureaus are all reporting the same information and its confusing to me. I also see they added a collection from XXXX that doesnt seem to be on any of the other bureau so I am surprised that this is on here at all. There is no evidence of past due history or proof of sale or anything ... .I dont know where this came from at all! I really need some help here.

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 08/26/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I had a Student Loan with Wells Fargo from approximately summer XXXX XXXX XXXX a semester before graduating from XXXX College. I finished my XXXX XXXX in XXXX XXXX. 
Wells Fargo sold my loan to XXXX and I am currently in default and they want to garnish my pay or take money from any income tax returns by XXXX/XXXX/XXXX. I did not get a job from the courses I took which I am paying for. What steps do I need to make for the settlement? What documents do I need and where do I send it? 
XXXX XXXX XXXX : My address : XXXX, XXXX XXXX XXXX, NY 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 03-03-2017 about Consumer Loan (Vehicle lease) with Radius Global Solutions LLC (NV).
Issue: Managing the loan or lease

Complaint: I finished a car lease with no late payments. But they are charging me for a little dent as small as my nails for {$660.00}. It is unfair. I think the most they can charge me is say thank you for giving the car back almost new with a very little tiny dent. It 's very natural over two years of usage. I also suffered poor air conditioning for over two years and their service department kept denying the problem.

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 07/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have an item from XXXX XXXX out of XXXX XXXX, CA they are reporting that I owe almost {$2000.00} on an apartment lease and yet they will not provide the lease agreement. I know that I did not sign a lease agreement with them everything was under my wife 's name at the time and it should not be reflecting my credit at all. If they choose to place this on my credit report than they should be able to provide proof that I owe the debt. I have requested copies of said lease agreement from both the apartment complex and the collection agency and neither have responded to me. I feel that if they claim to have a debt with my name associated with than I have the right to at least see the proof behind 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 03-03-2017 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (CT).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage servicer does not correctly advise POA actions. Forms are not properly prepared to include POA instructions as a result forms can be sent in XXXX to 4 times before it is in the correct format they need. XXXX is a very common status with this mortgage servicer. As a mortgage servicer they need to get their at together. They are number at inconveniencing their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with STERLING JEWELERS, INC. (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: The third party company XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX for Kay Jewelers contacted my daughters cell phone in order to contact me for a Debt that over nine years old well exceeding the statue of limitations in XXXX of four years. When I contacted them they threated by stating to sue for an amount triple of the original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Credit reporting () with Experian Information Solutions Inc. (WI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Reporter to credit agency is XXXX. They inaccurately report rental property addresses on property that I own to be personal residences of mine. Makes me look like I have lived in XXXX different places, many times simultaneously. Have tried to dispute with Experian, and update failed to address the disputes. possible XXXX issue is XXXX reporting utility billings as loans, where credit limit is {$0.00} and balances are listed as greater than loan limit. 
At this time, these uncorrected errors are costing me thousands of dollars per year in property insurance costs as insurance companies ( XXXX and XXXX XXXX ) have begun incorporating credit score into premium rates.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Payday loan () with ACE CASH EXPRESS, INC. (WA).
Issue: Charged fees or interest I didn't expect

Complaint: My loan was sent to collections without my knowledge. Has charged additional fees

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Debt collection (Payday loan debt) with COMMUNITY CHOICE FINANCIAL, INC. (TN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have had a problem with this loan company from day one. The tellers did not fully understand the loans themselves and did not properly explain the loan. I brought this to the attention of the store manager and district manager and I was given a {$200.00} rebate towards my account that was suppose to erase any late fees and finance charges. I was told on XX/XX/XXXX that the loan would be on track with payments of {$160.00} every two weeks. I continued to make my next payment on XX/XX/XXXX in store of {$160.00}. On Wed XX/XX/XXXX they left a voicemail on my work phone and I called the store back and the teller couldn't tell me why my account was in collection and I told her to not call me at work and she stated she would note the account. I called back to speak with the manager XXXX on XX/XX/XXXX and she states that a payment was missed on XX/XX/XXXX, a payment in which the corporate office told me was not due bc I switched loans ( from monthly to biweekly ). On XX/XX/XXXX they drafted my account for the second time at a higher amount {$170.00}. On XX/XX/XXXX XXXX called me on my work phone and I stated to her that I asked that I not be called at work. 

Company : Easy Money 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 06-11-2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: medical bills were paid by my insurance company few years ago but cmre finance has in collections and they appear on my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: On XXXX/XXXX/2015 I ordered a XXXX for a XX/XX/XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, XXXX. ( I was the first person to order this kit according to XXXX Customer Relations person-XXXX ) The product arrived and I gave it to the mechanic to install. It did n't fit so I reported it to XXXX who directed me to their supplier ( XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX ) who replaced part of the XXXX that did n't fit because it was too large. While speaking with XXXX they told me they had never tried to actually install the kit on the car it was advertised for. The XXXX set of parts did n't fit either so I contacted my credit card company CITI Bank XXXX # XXXX telling them I did n't want to pay the bill until the problem was resolved. They agreed for a month after which time I received a letter ( XX/XX/XXXX ) saying the creditor -- XXXX had refused to extend the payment. I wrote a letter explaining the situation but CITI Bank wrote back threatening to turn me in to XXXX credit bureaus as delinquent on the account. I paid the {$1100.00} to CITI Bank in order to prevent being reported for bad credit in spite of the fact that the issue has never been resolved. Currently the XXXX set of XXXX products has been returned to XXXX for analysis. In the meantime I have spent XXXX of dollars on mechanics trying to fix my car. A fair resolution would be some sort of sanction on CITI Bank since they refused to place any merit on my side of the dispute. Also, I expect XXXX to reimburse part of my labor costs since they sold a defective product ( They have now stopped offering it ) that had never been tested on the car they sold it for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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 tried multiple times, with no success, to get validation of a debt being reported on my Experian and XXXX reports. I have contacted Experian, XXXX and XXXX XXXX XXXX for validation, however, the only thing I continue to receive are updates to my disputes that the account has been verified and updated. I have yet to receive documentation, as requested from either party. I 'vebeen trying for two months now with no success. I 've sent US Certified Mail to all three parties on  multiple occasions. In addition to me trying to get these two accounts being reported by XXXX XXXX XXXX deleted from my credit report, there has been a third account added to my report, with an open date of XX/XX/XXXX that was not on my report prior to XX/XX/XXXX. I am not sure why this account was added to my report. The account numbers are # XXXX in the amount of {$1900.00}, # XXXX in the amount of {$500.00} and the third account # XXXX in the amount of {$2400.00}, which is the total amount of the two previous accounts added together. XXXX XXXX XXXX added a third account to my creditreport combining the two totals from the previous accounts and now, it is showing that I have three outstanding accounts with this company. Not only has Experian, XXXX and XXXX XXXX XXXX failed to provide me with written documentation as to the validity of this debt, they have also not provided me with documentation as to how they went about verifying the debt. I do not believe that the debt can be validated and am asking that all three negative entries be deleted from my credit reports immediately. 
Finally, I checked the North Carolina Department of Insurance website to see if XXXX XXXX XXXX  had the permits to collect on this debt and they do not.

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 03/17/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian ... this agency had 2 extra social security numbers that were not mine. They had my birth year wrong.they had 12 different/incorrect spellings of my name and many derrogatories that did not belong to me. They have my address associated as a business Ive never heard of. 
I placed a fraud alert to my file and began disputing the above. To my knowledge the above mentioned has been corrected. 
My complaint today is that in the dispute processes, Experian deleted ALL of my positive reporting histories. XXXX XXXX loans on my high credit truck note pd off XX/XX/2014, and XXXX positive reportings from XXXX. They literally wiped out all of my credit and I dont even rate a score. 
The bank that originally reported no longer reports to Experian. 
I think, in all fairness to me ... because they deleted these accounts unwarranted, that they should put them back on. My score is XXXX because of these deletions, I cant even quqlify for a credit card to build credit..I was even turned down a secured credit card. I have tried to handle this through Experian but they refuse to repair this mistake solely made by them for me to suffer. 
Im sending pictures of the accounts deleted ... and a letter with copy of my high credit reportings from the bank which they only report to XXXX now..so they say.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Transunion refuses to provide me my free annual report. This has been a problem for the last 5 years. Transunion does not allow me to view my report online.

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 03/21/2017 about Consumer Loan (Vehicle lease) with BMW Financial Services NA, LLC (NY).
Issue: Managing the loan or lease

Complaint: BMW Financial services has erroneously reported a late payment on my credit report, specifically the XX/XX/2017 payment. They are under the misconception that the payment was made on the 31st day. It was not the payment was made online at the BMW website two weeks prior. They have told me verbally as well as in writing that I cancelled that payment. I did not. I did, however, make a payment online which BMW must have failed to process correctly. If there is a computer " glitch '' on their part and they see the payment as cancelled by consumer it hardly seems fair that I should have my otherwise excellent credit places in jeopardy. Your attention and assistance is greatly appreciated in receiving a satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: I filed a complaint with cfpb against Ocwen and was led to believe that cfpb would pursue that company and make them repay monies they illegal took from an Escrow account. I was told by cfpb that I would have a response by XXXX/XXXX/15. It is now XXXX/XXXX/15 and I have not heard from either. 
I guess you guys just accept complaints and do nothing about them. Just another new, but not novel bureaucracy to inspire hope but deliver exasperation. 
Thanks a lot people for putting my taxpayer dollars to good use, once again. 
Case # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received an email displaying a dept store statement which had an inaccurate balanced on  XXXX / XXXX / XXXX . I called the dept store and spoke to an agent and told her that I did not place that large purchase for {$850.00} at    JCPennys o n  XXXX / XXXX / XXXX . She corrected the balance and said that she will send me a new card. I went to   XXXX   XXXX   and checked for any other fraudulent activity and noticed on that same day,  XXXX / XXXX / XXXX , there were  XXXX  other hard inquiries done without my consent that someone else had did . SYNB/OLD NAVY   XXXX / XXXX / XXXX  &  XXXX   XXXX / XXXX / XXXX . I also noticed an inquiry from SYNCB  XXXX / XXXX / XXXX  from  XXXX   XXXX   XXXX   XXXX  was done without my consent. I tried calling but I could not get through.

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 04-07-2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: # XXXX XXXX XXXX XXXX. - dispute claim and asked for a signature to prove it was mine -nothing # XXXX XXXX Bank Credit card - called & said card was used in XXXX XXXX I was never in XXXX at that time and cards had been destroyed 2 years Prior?

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Bank account or service (Checking account) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT).
Issue: Using a debit or ATM card

Complaint: I went to People 's United bank branch in XXXX XXXX XXXX on XXXX XXXX, the rep let a customer walk right up after the other customers and I were waiting for 20 minutes or more. All I did was ask how can someone just walk to the front of the line and a teller named XXXX said in a very nasty manner because another bank sent her here and I said she can just go to the front of the line. Well another bank sent me there I did n't just go to the front of the line. I then asked her why she was getting Nasty her tone was very rude, when another teller by the name of XXXX jumped right in our conversation and the rep at the business counter that was assisting the customer jumped in the conversation as well. I believe her name is XXXX it was hard for me to see her name tag. They were unprofessional arguing in front of other customers with me until another older lady in line came and told them she agreed with me. They started going back and forth with her as well. The customer then said I thought the customer was always right. I 've been banking there for over 15 years and I did n't deserve this treatment for asking a basic question nor did the other customer. I would like something done about this or else I will have no other choice but to stop doing my banking there or any other peoples bank branch. I hope to receive a response I 'm a supervisor in customer service and would n't dare to treat my customers in such a horrible manner. Maybe because no manager was there is why this happened since I have never experienced this before, there should always be a manger or someone there who knows how to treat customers. At least XXXX other people experience problems with the reps and they were all requesting a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX retail had pulled an inquiry on XXXX/XXXX/XXXX without permissible use or authorization by me. They so not have permissible purposevti access my credit file. There is no proven valid need as defined under FCRA, and they can not show an agreement between end user and I.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I pulled my credit report and noticed a hard inquiry dated XX/XX/XXXX.  This inquiry was not authorized by me.

Company response to consumer: Closed with explanation