milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/27/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I would like to know how does the credit bureau maintain your credit score. I paid off several credit cards last month and I see that the accounts are showing paid in full on my report. However, my credit score is extremely low and I recently tried to refinance my car and was given a higher than usual interest rate, which should have been the reverse since I paid off the majority of my loans and credit cards. I need to know how do the bureaus keep reporting low credit scores when it 's obvious the debts are paid. I have no collections, no judgements and few inquiries. I once read that credit bureaus make more money when people have low credit scores. If this is such, then the whole fair credit reporting act should be thrown out the window when Credit Bureaus are allowed to report inaccurate scores.

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 01-01-2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: on XXXX XXXX, 2016, I saw my experian credit report and notice a fraud statement that did not pertained to me. I did not write nor call experian and ask them to put a personal fraud statement on my credit report. I can say that someone used my information without my consent. But i never asked the credit bureau to put a fraud alert, which included a personal statement that I did not add to my credit report, and the credit bureau listed a old phone number that I had 5 months ago

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been getting repeated calls from the same number. Finally when I answer a man asks me to verify personal information and does n't disclose who he is, who he represents, or what he is calling about. Finally he says its about a debt ( I have no outstanding collections on my credit report ) but wo n't disclose the nature of it until I verify several pieces of personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Closing/Cancelling account

Complaint: I opened an account with capitol one in XXXX XXXX. I had a max balance of {$300.00} and slightly went over. After complaining to capitol one directly about the extraordinary extra charges that they were putting on my account and would not work with me, I stopped paying on the account and allowed it to go into charge off state and avoided paying it while they charged interest and charged it off at {$700.00}. 
XXXX XXXX I received an additional account on my credit report from around the same time in XXXX that I was not financially responsible for. I contacted capitol one and asked for this to be removed and filed a complaint with them. They in turn sent me paperwork saying that it was correct and it was from my XXXX XXXX account and not the one that I was n't financially responsible for. After consulting with a few different agency and them putting inquiries on my credit report I finally located XXXX that was willing to sit down and help me. 
I contacted capitol one in XXXX XXXX and asked for the account that I was not responsible for to be removed from my credit report and to make a settlement with the other. Capitol one agreed to remove the other from my report and sent me an email with the settlement offer of {$450.00} and the account is considered settled and no further collection efforts would be made. I am under the understanding that once I paid this, the account would show closed and {$0.00} balance with it automatically being removed from my report due to age in XXXX XXXX. 
I went back to the person that agreed to help me and we got online and filed disputes with all XXXX credit bureau in regard to the above accounts. After the disputes were made capitol one removed the account that I was not financially responsible for reluctantly. They also showed my original capitol one account still being in collections/charge off state with a balance now of {$250.00}. I disputed this account AGAIN with the credit bureau 's and provided a PDF of the settlement agreement. Capitol one submitted their claim and denied my dispute. Now I am contacting CFPB for help on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 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: Information belongs to someone else

Complaint: Experian is ignoring my numerous requests to investigate and remove two accounts from my credit report that do not belong to me.

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 12-11-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I made a purchase of {$48.00} on XX/XX/XXXX using my XXXX XXXX card. On XX/XX/XXXX It acquired a finance and late free charge of {$28.00}, this was due in part to the fact that I had been issued a new debit card by my bank and could no longer make payments using my existing account. On XX/XX/XXXX After calling, XXXX was able to credit me {$15.00}, which brought my balance to {$61.00}. 

On XX/XX/XXXX I made a payment of {$48.00}, brining my overall balance to {$13.00} plus a minimum charge of {$1.00} which was assessed on the account on XX/XX/XXXX. This brought my total outstanding balance to {$14.00} with a due date of XX/XX/XXXX. 

On XX/XX/XXXX I paid the total outstanding balance of {$14.00}. However, on XX/XX/XXXX I was charged another minimum charge of {$1.00} ( which I was never notified about ), followed by another charge of {$15.00} on XX/XX/XXXX, {$1.00} on XX/XX/XXXX, {$20.00} on XX/XX/XXXX, {$1.00} on XX/XX/XXXX. All these charges bring to me to a current overdue balance of {$52.00}. 

I do not feel like it is my responsibility to pay the remaining balance, when my total balance was paid off on XX/XX/XXXX. They are alleging that the addition of the {$1.00} minimum charge on XX/XX/XXXX is what rendered my account overdue and triggered the subsequent charges to be assessed to my account. When I called and spoke to a representative I was told that " minimum charges '' are assessed on accounts on the fifth of each month. That charge was not on my account on XX/XX/XXXX and account activity shows it was applied on XX/XX/XXXX. In the past the " minimum charge '' had been added to my statement on XX/XX/XXXX and XX/XX/XXXX but in XX/XX/XXXX, conveniently, it was added on XX/XX/XXXX. 

I tried my hardest to satisfy my account with XXXX XXXX all while coping with a mother who was XXXX of XXXX. When the average consumer looks at the account activity page which is supposed to help cardholders it is very confusing to understanding how charges are being applied to the account and what the true outstanding balance is. XXXX XXXX is penalizing cardholders by assessing late fees on XXXX balances. XXXX XXXX assesses charges without showing the true outstanding balance which misleads consumers who are trying to pay off their cards. I am not responsible for the total outstanding balance as it is made up of charges by XXXX XXXX and not reflective of any purchases made using the card.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have written to XXXX on a minimum of three occasions requesting proof that this account is mine. I have no recollection opening an account with them and certainly did not fail to pay any amounts owed. They have not sent me a copy of the written agreement which supposedly I signed nor have they provided me with a pay history from the beginning of the alleged account opening. This charge off is harming my credit profile and score.

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 01/31/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (HI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Prior to XX/XX/XXXX, my husband and I had credit cards ( gold ) from American Express, but administratively, the card is in my husband 's name with myself named as a second card holder. In XX/XX/XXXX we inquired about getting our cards upgraded to platinum. We were told that the primary card holder would get a platinum card for an increased annual fee of {$550.00} but my card would need to remain a gold card unless we wanted to pay an additional fee of {$170.00}. The only way that I could be the platinum card holder ( instead of my husband 's ) was if we closed my husband 's account and opened a new account under my name. We were told if we opened the one platinum card under my husband 's name that we would get reimbursed the {$150.00} we paid to access the XXXX XXXX on XX/XX/XXXX as well as have immediate access to their XXXX  credit deal ( up to a {$15.00} credit for using XXXX ). Neither the {$150.00} reversal or the {$15.00} credit was provided. I called XXXX  back in XX/XX/XXXX and stated that per my previous discussion with their customer service line I would like to close my husband 's account and open a new platinum account credit card in my own name with my husband as the secondary holder. At that time I was told that we were misinformed and that the secondary card would be free. Based on this information I agreed to sign up for a second platinum card - and stated multiple times throughout the call that I was only doing so because it would be free ( or at least just cost {$550.00} per annum in total ). While I have seen the marketing / customer information regarding a second card costing {$170.00} - I was specifically told that I was going to be free because I would not be getting ALL of the benefits of a platinum card holder, but I would get access to the airport lounges and would have a new card issued to me. Upon seeing a charge of {$170.00} for the second platinum card in XX/XX/XXXX I realized I had been charged, both in XX/XX/XXXX ( for a prorated amount of {$100.00} ) and XX/XX/XXXX, after being told that I was being signed up for the card for free. I called American Express to complain. They wouldn't do anything about the charge in XX/XX/XXXX but stated that they would remove the charge of {$170.00} that was incurred in XX/XX/XXXX. I asked that they review the taped recording of the original discussion to prove that I was lied to in the initial call and they agreed. They have not followed up on this request to prove that the XX/XX/XXXX expense was incurred in error. I have yet to have either the XX/XX/XXXX or the XX/XX/XXXX expense reversed on my credit card bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Im a victim of Transunion inquiries error and I have XXXX hard inquiries from someone else.

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 02/23/2017 about Credit card () with DISCOVER BANK (MD).
Issue: Customer service / Customer relations

Complaint: WHERE DO I START? I WAS WITH MY WIFE UP ON THE XXXX OF THE XXXX IN XXXX TUESDAY AFTERNOON WHEN DISCOVER CARD DECIDED TO SHUT OFF MY CREDIT CARD FOR NO GOOD REASON! INSTEAD OF DOING THE RIGHT LEGAL & ETHNICAL THING OF CALLING ME ; THEY INSTEAD TAKE IT UPON THEMSELVES TO " PLAY XXXX '' WITH MY CREDIT PURCHASES. I THEN CALLED THEM BACK IMMEDIATELY TO CONFIRM THAT I AM THE PERSON MAKING THE CHARGES ; THAT THIS CREDIT CARD HAS NOT BEEN STOLEN. WHEN I DID CALL BACK, I WAS ASSURED BY THE CUSTOMER SERVICE REP. THAT THE ACCOUNT WOULD BE REINSTATED. THEN I TRIED TO CHARGE SOMETHING ELSE & GOT THE SAME SURPRISE " DECLINED CARD ''. I CALLED BACK AGAIN!! THIS TIME SAME PERSON ASSURED ME MATTER WAS BEING CORRECTED? THAT THEY WOULD ALSO PUT A " TRAVEL ALERT '' ON MY CARD? THEN AGAIN I TRIED TO CHARGE, THEN GOT SAME SURPRISE! DURING THIS WHOLE TIME, MY RELATIONSHIP WITH MY WIFE WAS WORSENING BECAUSE OF THIS " XXXX ''! I CALLED BACK AGAIN, THIS TIME SOMEONE APOLOGIZED? THEN REASSURED ME THE PROBLEM WILL BE FIXED NOW? THEN I LEFT THE BUILDING GOING DOWN THE XXXX FEET ELEVATOR DESCENT FROM XXXX! WHAT A RIDE! THEN WE GO TO A NEARBY VENDOR, I WAS DECLINED AGAIN? I CALLED BACK AGAIN THIS TIME FURIOUS, THIS REP. TOLD ME A TOTALLY DIFFERENT STORY THAT THE CARD CAN NOT BE USED FOR ANOTHER 48 HOURS??!! THAT WAS IT FOR ME!! THANK XXXX I BROUGHT ABOUT $ XXXX CASH WITH ME TO XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with LEXISNEXIS (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My name is XXXX XXXX XXXX and XXXX XXXX is on my Credit report and i want her OFF, she even had a different social security number. I want her off now! She has really XXXX up my credit check and is invading my security. this has been since the year 2000. I tried getting her off before but know one has taken care of this ugg.. my home # is XXXX my email is XXXXXXXXXXXX my home # XXXX. Let me know what else I can do to get her off. she has ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (MO).
Issue: Unauthorized transactions or other transaction problem

Complaint: On XX/XX/2018, I attempted twice to purchase {$100.00} in ETH from CoinBase.com. Both transactions were cancelled by the bank and while no digital currency was added to my account, {$200.00} was debited from my checking. {$100.00} was eventually returned to my account, leaving {$100.00} still owed to me. I have since contacted support and received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Consumer Loan (Vehicle loan) with SUNTRUST BANKS, INC. (GA).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, XXXX, we turned-over our XXXX XXXX XXXX to a XXXX dealership, in the process of participating in XXXX court-ordered buy-back of XXXX vehicles. That program provided for a cash-payment to us ( made, through XXXX Bank, via EFT ) and a settlement payment to the vehicle 's lien holder, SunTrust bank. Because the buy-back process was protracted, and because we were forced to continue to make payments on the loan in the interim between agreement with XXXX and the actual buy-back closing, the amount actually owed to SunTrust on the vehicle at the closing was substantially less than the amount due to SunTrust on the loan. Specifically, XXXX XXXX XXXX paid a total of {$1200.00} to settle our loan, when at that time only {$220.00} was actually due, in total, on the loan. After several subsequent inquiries to the bank about that payment, we have, finally, been advised that the remaining amount due on the loan of {$220.00} is shown as paid, and the loan is closed. However, the overpaid amount of {$990.00} has not been remitted to us, but is " scheduled '' to be paid, via check, on XXXX XXXX. In response to our request that the Bank explain the extraordinary delay in remitting payment to us, we were informed that the Bank had to ensure that the " funds cleared ''. 

Very simply, our complaint is that, by XXXX XXXX SunTrust Bank will have been in possession of {$990.00} in those very obviously overpaid funds for more than 30 days ... well in excess of any reasonably determined " fund-verification period '', and that they are, in fact, illegally and unreasonably delaying refund to us.

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 02-06-2017 about Student loan (Non-federal student loan) with SLM CORPORATION (NE).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I 've had XXXX private student loans through Sallie Mae since XX/XX/2011, and had my checking account linked to my Sallie Mae account for automatic withdrawal each month. Sallie Mae 's system, however, refused to charge my bank account each month and therefore by the time I noticed my payment was late, Sallie Mae forced me to pay late fees each time. When I would call Sallie Mae 's customer service to speak with a representative, I was either hung up on multiple times or transferred to incorrect departments. 

When my income dropped drastically, I was forced into forbearance instead of adjusting my month payments. Even when I did pay the {$100.00} forbearance fee, I was called daily by their collections line stating that my payments were late. 

I feel like Sallie Mae has failed me at every step of the way. They were never willing to work with my situation and made my jump through unnecessary hoops to even begin problem solving.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from XXXX XXXX XXXX. I have never heard of this bank or done business with this bank. This item is a result of fraud.

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 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have 2 bank of america credit its closed but the reason is CONSUMER XXXX.i was pay off and no balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Student loan (Non-federal student loan) with AES/PHEAA (NE).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I was added as cosigner on a student loan through   XXXX    XXXX   XXXX  in  XXXX . When I fiiled out my portion of the paper work I adde d three stipulations for the loan : 1 Interest would be paid during school to avoid a Higher amount of principle at the end of school. 2 I be notified if the loan payment is late. 3 do   not put the loan through if the stipulations are not agreed to by all parties.   XXXX   XXXX    XXXX  took my information, removed the stipulations, forged my signature on the note and pushed the loan through. they then sold the loan to  XXXX   XXXX   XXXX  and then   National Collegiate Trust.    The  loan is serviced by  American Education Services a nd despite 11 years of attempting to resolve the fraud with AES I am still unable to get any where. My credit has been and continues to be effected by the false reporting and including my name on a loan I did not agree to or sign for. I have spent over  XXXX  hours on the phone, sent in a fraud packet in  XXXX , contacted the governors office in  XXXX  and  XXXX  and Inspector Generals in both states as well. My credit is still effected. NCT and  AES are  the only negative marks on my credit history since  XXXX . I have maintained a perfect record of paying off my debts including  XXXX  of my own student loan fees. I have no problem paying off what I owe but I will not have my credit  held hostage  or give in to extortion on a loan I did not agree to or sign for.    Consent to publish the description of what happened? Consent provided My loan is Non-federal student loan ( Private, alternative, other student loan )  Issue Getting a loan : Qualify for a better loan than offered

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: In XXXX XXXX I bought a house and made a mortgage agreement with XXXX XXXX XXXX. Ever since I made a recurring payment instruction to my XXXX XXXX XXXX against the monthly mortgage amount. The payment was done smoothly every month with no problem. In XXXX XXXX The loan has been transferred from XXXX XXXX XXXX to XXXX XXXX They advised us while we were on our vacation overseas. Our monthly payment continued to go to XXXX XXXX XXXX which they supposed to transfered back to XXXX during the transition period. XXXX XXXX XXXX already did that but XXXX did not reconcile the account immediately and took some time to do so. When we got notified with the problem on our return, we made extra payment and sorted the problem. We have asked XXXX to draw their complain about late payment from our side. We have proven to them that money has been transferred from our bank in regular base and it is not our problem. XXXX agreed and supposed to fix their claim against late payment from our side. Apparently XXXX did not withdraw the complain from their side. hence the credit report has been negatively affected without any legitimate cause.

Company response to consumer: Closed with explanation