milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/19/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NE).
Issue: Shopping for a loan or lease

Complaint: The company pulled my credit without my authorization. The inquiry is reflecting on my   XXXX   and  XXXX  Credit report. I have never done business with this bank before nor have I sought any of their products or services.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Equifax has refused to remove a voluntarily dismissed Chapter XXXX Bankrupty filing ( reference number : XXXX ) from my credit report causing me prejudice and damage. The filing was voluntarily withdrawn by myself and dismissed by the court therefore it was never a bankruptcy and should not be adversely affecting my credit report. My creditors were not harmed in any manner by the filing nor the withdrawal/dismissal and they did not experience any financial loss whatsoever in any manner therefor this item should not be allowed to cause me prejudicial damage.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian is reporting incorrectly a payment amount on my XXXX XXXX XXXX Credit Card. I have provided a snap shot of what is currently being reported. The report is reflecting a payment amount of {$27.00} which is incorrect and needs to be {$0.00} as the other two bureaus are accurately reporting.

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 12/27/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XXXX XXXX XXXX I paid XXXX XXXX XXXX in full for the balance of {$560.00} on XXXX XXXX I received a letter stating that I owe {$14.00}. XXXX when I try to call to ask about this outstanding amount I was given three different telephone numbers and on each number I had to wait a minimum of 15 minutes before someone arrived to tell me that I had to call yet another number. 

1. XXXX told to call MCM direct 2. XXXX told to call the collection department 3. XXXX Seems like they are not being forthcoming in resolving my account. I can see them adding fees and interest to this charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/23/2016 about Credit reporting () with EQUIFAX, INC. (HI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: XXXX XXXX 2016 -- XXXX YOUR COMPANY ( ANNUAL CREDIT REPORT ) PRACTICES FRAUD eg. Equifax GAVE NO FREE REPORT ; must call or send info. XXXX GAVE NO FREE REPORT ; must call or send info. and XXXX GAVE NO FREE REPORT. IN FACT CHARGES XXXX AND CHARGES MORE IF THE SERVICE THEY GIVE IS NOT CANCELLED. YET THEY DID NOT ACCEPT MY CHARGE CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been on track with PSLF payments since XXXX under an income driven repayment plan with federal loans. My last ECF was submitted on XX/XX/XXXX and as of then I was on track with 56 qualifying payments on all of my loans with 64 payments remaining. Out of the blue, I receive a message in my inbox saying " Payment Tracking Starts Now '' which is what you receive after they process a new ECF for you. However, I had not sent in another ECF since XXXX. When I opened it up, my qualifying payments had been REDUCED from XXXX to XXXX adding 4 years to my loan payments. This is egregious. I called the company and the rep said he could see my payments and they were qualified but he had no idea why this would happen. He was submitting for review which could take 60 days before I hear back. This seems to be a common practice with this company ; for no reason at all my qualifying payments were recalculated out of thin air and they tried to rob me of close to 4 years of payments. I have already had one complaint with this company because they miscalculated my payments. Now it has happened again and is much worse. This is unacceptable. I have attached the last direct debit bill I have for XXXX showing the 56 qualifying payments for PSLF on all my loans. I have also attached the incorrect " surprise '' recalculation of my payments dated XX/XX/XXXX. 

I am resubmitting due to mistake with previous complaint 's attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: hi i had a chapter XXXX bankrupsy back in 2006 due to a divorce. i have been rebuilding my credit ever since. it has been almost XXXX years, when will this bankrupsy come of fof my credit report? i thought it was after XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Other

Complaint: I had disputed a late payment in 2012 with capital one account ending in XXXX. I had done this before but never took the time to look into the statements or billing information until now. I uploaded all of the information I had and got notification that I was indeed correct and the 1 late payment would be removed. However it got removed off of XXXX ad then put back on. When I spoke with the rep. He said that I would have to dispute it again because the next billing cycle was updated and the credit card company is still showing the one late payment. I thought that was the purpose of disputing to have the incorrect information removed not put back on every time the credit card reports your payments. I am a single mom who is working full time and going to school. I have put a lot of time and effort into this dispute to now have to do this all over again. Please help me.Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XX/XX/XXXX, A recurring payment in the amount of {$110.00} .00, caused my checking account to be overdrawn and a fee in the amount of {$35.00} was assessed. On XX/XX/XXXX, i deposited the amount of {$560.00} however Wells Fargo only released part of the funds until days later. <P/> On the same day i deposited the amount of {$560.00}, Wells Fargo charged an overdraft fee in the amount of {$170.00}. I understand that a bank may charge the account for over draft fee, however the amount charged was excessive and not in accordance with Federal Laws. The account had only been overdrawn two days when the excessive amount of {$170.00} was debited from my account. <P/> On XX/XX/XXXX, a fraudulent transaction from XXXX was debited from my account twice yet i have not made any purchases. These two transactions are fraudulent in nature, not even XXXX has a history of these purchases.

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 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have contacted TransUnion several times over the last two months that an inquiry and address ( never lived in Colorado ) listed on my credit report XXXX is incorrect. I have faxed and mailed verification with my Drivers License and Social Security Card. The company ( XXXX XXXX XXXX ) listed an address I have never lived at and the number listed as a contact for them is disconnected. I have never done business with this company. TransUnion continues to tell me that I need to contact the Department of Education to have the inquiry removed even though I have stated the number listed is disconnected and they refuse to remove this incorrect information. 

I have also disputed the Tax Lien and that has not been removed.

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 12-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar doubled my payment based upon an error in their escrow analysis. 
XX/XX/2015 they increased my escrows for property taxes to {$330.00} a month. 
My property taxes are only {$730.00} every 6 months. or {$120.00} a month. 
I have tried in vein to get this issue corrected and I have proof that Nationstar was made aware of the issues in written correspondence dated XXXXI have offered to make principal and interst payments but was advised that I need to get escrows corrected first. 
Now i am four months behind. They have no record of my issues and have started a foreclosure action. They also sent in a crew to winterize the property and they did damage.to my property. 
RESPA doesnt allow Nationstar to collect that excessive amount of property taxes. And obviously this type of service abuse shows that predatory lending still exists

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 TRANSUNION INTERMEDIATE HOLDINGS, 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: My issue is that I have 2 accounts XXXX XXXX & XXXX  XXXX XXXX that are this reporting negative credit information and the 7-year rule is in effect. Both accounts in question 1st became delinquent over 7 years ago. I disputed this with all 3 credit bureaus and not only did they not fix the problem, they also didn't properly investigate the matter. Not even the creditors were able to verify what we requested. 

My complaint today is with XXXX, Transunion, and XXXX. Hoping to get this resolved and appreciate your help.

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 03/27/2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (SC).
Issue: Loan modification,collection,foreclosure

Complaint: I was denied assistance for mortgage relief when I attempted to apply. Citifinancial does not participate in the mortgage relief program that was sponsored by the federal government. My state received funds for mortgage relief through the S.C. help program. I was denied help because citifinancial does not participate. I was also denied adequate deferment. Citifancial was also very rude to me, unprofessional, and uncaring. Other individuals have experienced the same difficulties that I have. Citifinacial wanted to foreclose on me and others for a profit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (DC).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I opened a business checking and savings account with Wells Fargo in early XX/XX/XXXX. I received an email onXX/XX/XXXXsaying thy closed my account and it was set to {$0.00}. I had {$9200.00} in checking and {$5200.00} in savings.
I called to see why my account was closed and they only could tell me that the account needed more information and I need to go into a branch.
I went back to the branch I opened the account at XXXX XXXX XXXX XXXX, MD XXXX. I spoke with XXXX XXXX Case # XXXX. He found out that the gentleman who opened my account did n't do so correctly and he is no longer there.
He said they sent a check to a UPS address with no mailbox in XX/XX/XXXX. I never received that check with my funds.
I was told that in order to stop payment on the check that is lost I would have to pay around {$300.00} because of some surety bond. I should n't have to pay for something that was n't my fault.
My business funds have been tied up for 2 months. I 'm not getting any answers. I email and call XXXX and the branch manager ( XXXX XXXX ) everyday. They say they are waiting to see if it 'll be in return mail.The district manager called me 1 time. Said he would call me back the next day but never did.

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 08/30/2015 about Debt collection (I do not know) with Financial Corporation of America (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: someone called looking for me and said they were leaving a private message.and I should call this number if it is in error. XXXX XXXX XXXX. The body of the message said " This is Financial Corp of America attempting to collect a debt. " I do n't owe anyone anything. The number then left was XXXX, which is the number recorded on my caller id with a name of " unavailable ''. Furthermore I have n't received anything in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I make bankruptcy i call the bank they say i dont have record the i dont owing anyone money

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: I have repeatedly contacted XXXX  as well as transunion about a collection company. ( XXXX XXXX XXXX ). In XX/XX/XXXX I filed for bankruptcy. In XX/XX/XXXX I received a discharge. XXXX is a debt that was successfully discharged. However XXXX changed the effective date of debt to reflect as if the debt accumulated post bankruptcy. The collection account appeared on my credit 8 months after bankruptcy dates XX/XX/XXXX. I have submitted at least two investigations with transunion and was told to forward a copy of the discharge to insure that the original debt was discharged. I have submitted those documents and still it's on my report. I've submitted the same paper work to XXXX on three different occasions both mail and fax and each time they've claimed to not receive them. Please help.

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 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX / XXXX /2017 I received a letter in the mail from   XXXX   XXXX   XXXX   XXXX   for reasons unknown to me! I do not do ANY business with this institution! I opened the letter and it stated that i had made a recent application for a deposit account. I have done NO SUCH THING! I have never opened Or filled out any application for them! I DO NOT know how they even got this information. It says in the letter a credit score and soft inquiry have been made. None of which I did or gave anyone permission to do ...
<P/>
I do not know why this is happening I know this company is in the news for setting up fraudulent acoounts and I am positive this is what has happened to me! I do n't want this to affect me negativly with credit agencies but they have no right to open any account or get a credit report when i havent asked for it!
<P/>
The letter is from   XXXX   XXXX   XXXX   XXXX  .   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , SD Please make this company remove my name from their data base and remove any incorrectly reported info from my credit report!

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

Complaint: Equifax was recently hacked and criminals obtained sensitive information about my person, potentially including my name and past addresses, as well as my social security number. I had to find out about it through an online forum thread rather than any direct contact from the company. Equifaxes own website confirmed that I was most likely affected by this breach of cybersecurity.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My complaint does n't really fit your categories. My credit score is high but in my opinion it should be the very top number. My concern is how the credit agencies decide on my credit score. I have never been in too much debt, have always paid any and all bills on time and I am rarely in debt for anything. Because I do not have a credit balance on which I must make payments ( which I certainly have in the past ), points are deducted. Because I have applied to various things ( in the most recent years ) for preapproval for a home loan and my credit is checked, points are deducted. I do not understand why I am penalized on my score because 1 ) I have no debt and 2 ) someone or some entity has checked my credit score. Why am I not at the highest possible rating? I 'm penalized if I have debt and penalized if I do n't have debt. Something is wrong with this system.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Debt collection (Auto) with ALLY FINANCIAL INC. (CO).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I answered the phone call and when I explained that the car is actually my sisters and she 'd be the XXXX to contact for payments. The collector yelled at me in an extremely aggressive manner that he 'd be calling me again and hung up before I could finish explainin I 'd call her to see what was going on. I feel extremely attacked for aggressive tone of the phone call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Closing/Cancelling account

Complaint: I opened a Gap credit card on XXXX XXXX, 2010. I had years of good payment history, however, soon after moving to XXXX, XXXX, despite notifying them of my new address, they were sending my bills to a XXXX XXXX that was in my mother 's name, in XXXX. I contacted them many, many times about this issue, and had previously submitted a complaint against them. I tried working with them, and they pushed me to make my payments online, but I explained that I paid all my accounts with checks, and did n't feel comfortable using their online platform to make payments. There were several attempts on my part to get my address corrected, and get my statements sent to my home. Each time, a rep assured me that the issue was corrected, but then I would never receive my statements. Finally, they contacted me to say that they were closing my account. I have 5+ years of history on this account and a good limit, all of which were good for my credit score. They closed my account because I missed some payment, but I missed those payments because they did not send them to me, and I could n't review them. Having this account closed negatively impacted my credit history. Now that the account is closed, they have finally figured out how to send my statements to the right place, and I 've been paying on time, like I always had, before this was an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Bank of America Account # XXXX In 2014 I opened an account with Bank of America because my Bank in XXXX  had no location here in XXXX. 

About 5 days later Bank of America closed my account and accused me of Check Fraud. I have not been able to open an account in 4 years. 

I have been with my Bank - XXXX for over 35 years and have never did anything fraudulent nor have I ever wrote any bad checks. 

Bank of America accuses me of writing checks to myself in an account that had no funds. This is not true. The bank has clearly over reacted. 

I wrote a check to CASH ... this is a normal process when wanting cash to yourself vs another person. I overdrew the accout by approximately {$7.00} or so. It's been 4 years so I can't remember exactly. But when I realized it I immediately put that money right back in the bank account to cover it. But the bank was quickly to close the account and accuse me of fraud. 

The bank could have talked to me about this before they made such a drastic decision. When they close the account within 5 days the bank owed me money I did not owe them any money. The account was overdrawn by few dollars only for about a day before I made a deposit to cover those few dollars. 

We are talking no more than {$10.00} or less. I would think if I wanted to write fake checks I would write them for larger amount not just a few dollars. 

The situation has preventing me from getting an account anywhere for 4 years now. XXXX wants to charge me {$450.00} to clear the situation up. But I am not paying them that for something I didn't do. 

I would like Bank of America to remove the consumer report and clear my records so I am allowed to get a bank account. 

Bank of America contacted me but letter in 2014 after the Consumer Financial Protection Bureau contacted them. However, I was never able to connect to the person named on the letter - I just kept getting voicemail after voicemail so I never was able to reach out to speak to a person at Bank of America.

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