milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
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: On XXXX XXXX, 2017 I sent a certified letter to Experian, XXXX, and XXXX on behalf of myself and my husband regarding a Bankruptcy listed on our accounts. Per the FCRA 623 ( a ) ( 5 ) requesting validation with the original creditor. I have contacted the Bankruptcy courts and requested policy information regarding the validation of the Bankruptcy court records, as the information appearing on our files is inaccurate and inconsistent. Per the Bankruptcy court they have not only not received any requests to validate this information, they do not validate this information and they only provide the case number and name on a bankruptcy. As such there is another couple within the same county we live with the same names as my husband and I and our information is frequently confused when we have gone to assess our personal property and have received mail for the other couple from the Tax assessors office in the past. I have requested copies of the documentation used to validate this information and it has been returned to me again as verified without providing documentation. Per the FCRA 609 ( a ) ( 1 ) ( a ) I am now turning to you for assistance in this matter. And request that unless physical verification can be provided to me all information obtained in these listings which is inaccurate, inconsistent and erroneous be removed from our credit files. Instead, I am in receipt of letters stating that unless I provide new information to support my claim they will not be re investigating this matter again. The investigation never took place to begin with.

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 12/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I traded my car in on the XXXX the company that we bought our other car from said they mailed the payoff in time. There is a negative balance for that account on my credit report. when I called the finance company they wanted me to pay. They said it was a late charge with fees. Yet the car company told me that they sent it off in time and they did their research and that it was there before the next due date. So it is showing as I owe them XXXX dollars on my report and yet when I call them they say I owe them XXXX dollars.

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 06/24/2016 about Consumer Loan (Installment loan) with Credit Central Holdings, LLC (SC).
Issue: Problems when you are unable to pay

Complaint: The company calls me non stop back to back and when I do talk to them they threaten to have warrants put agianst me and they threaten to have the police come to my house to arrest me

Company public response: Company disputes the facts presented in the complaint
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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: have been writing letters to this company for m ore than two years. I 've made several request for this company to investigate, re-investigate, requested copie s of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in place even thou gh TWO YEARS has already passed. Alll I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing at all.

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 02-07-2017 about Payday loan () with TrueAccord Corp. (KY).
Issue: Received a loan I didn't apply for

Complaint: Been receiving threatening emails from TrueAccord copy attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XXXX XXXX, 2017, I made a purchase on the XXXX XXXX XXXX US website for approximately {$100.00}. I paid with my Bank of America Cash Rewards Card. The transaction was denominated in US dollars. When the charge appeared on my card on XXXX XXXX, I was charged a foreign transaction fee of {$3.00}. This fee should not have been assessed, as I was paying on the US website of a company 's American division and paying in US dollars.

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 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The original credit or is  XXXX   XXXX   XXXX   XXXX  . The problem i have is that they are reporting incorrect information across my credit report. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act along with t he corresponding local state laws. As of right now they are in violation. I am writing to challenge the reporting and compliance of  XXXX / XXXX . On the   XXXX   report it shows the chargeoff done  in  XX/XX/XXXX , on the  Experianreport  it  shows that i was in good standing with them during that time. It also has no close date on   XXXX   or Experian. No high balance recorded on  XXXX  or Experian. No visible Account number, it is completely blocked out. On  XXXX , it has missing information and no payment history whatsoever.The last Activity on the account is inconsistent across all  XXXX  credit bureaus. I need this matter resolved.This is unacceptable. I have settled the debt with this creditior and feel this is highly unprofessional for them not to report the correct information. I reached out to th em on  XX/XX/XXXX  to ha ve  the account removed due to their inconsistencies. They asked that i fax over information of my credit report. I ask they fix and validate what they have on their end or remove this account completely from my credit report. Thank You

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 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX Ln # XXXX lists me as " Paid was 90 '' or delinquent 90 days. I was NEVER delinquent. I had applied for deferment. I called them to confirm they had my paperwork. They confirmed it. I called again later and then they stated they could n't find it. I told them to look again and they found it. The paperwork was turned in timely and before the deadline. The account has been transferred and is being reported multiple times. It should be removed due to inaccuracy and duplication. It is impacting my credit and I was denied a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Sir Madam Each month I receive statements ( demands for payment ) XXXX for the following month and XXXX for the month that has been paid but dosement acknowledge that payment. I want Chase Bank to stop sending us a demand for payment, for a period that has already been paid. Just to be clear we receive XXXX bills for every loan that we have. This is confusing and will eventually cause a laps in payment or an over payment. Which I want to avoid both they are blaming the federal government. I would like to have any payments already made to be acknowledged since we pay the stated amount before the statement is sent. If the statement amount has already been paid the statement should at least state that. This practice is bound to cause a mistake that will cost me money for a late payment or something like that. 
I would like to point out that JP Morgan Chase bank is a convicted felon, convicted by due process of law and as I understand they have admitted to these wrong doings. 
I also do n't think you the c.f.p.b. will not intervene in this case you people have been of no help in the past XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Bank account or service (Other bank product/service) with M&T BANK CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: My wife and I walked into the XXXX XXXX M & T Bank branch in XXXX XXXX, XXXX NY to close all of our M & T accounts on file ( for myself and my wife ). We clearly stated our intentions to close all accounts and move on from this bank. After a half hour or so, we had exchanged cash where applicable in order to zero out each of our XXXX accounts. The banker told us we were completely closed out. We left the branch that day under the impression all accounts were closed per our discussion with the bank rep whose name is XXXX. A few weeks later we discover my wife 's " overdraft line of credit '' was in fact left open ( against our wishes ) and was now showing a negative balance of XXXX {$60.00}. The banker only actually closed XXXX out of XXXX of our accounts ( left my wife 's " overdraft protection '' line of credit open, even though the checking account it was linked to was closed ). So we immediately call the branch and we 're initially told its not possible to close the line of credit without coming into the branch. My wife explained to the rep its extremely difficult for us to come to this branch as its not close to our residence. Finally the rep says she will close the account and mail us a bill for the remaining balance on the account ( telling us that they waived a late fee ). 3 weeks go by and we do n't receive anything so we call again. This time we speak with a third rep who tells my wife to mail in a check for XXXX {$30.00} which will close out the account and we 're assured the account will actually be closed this time. We leave for a one-week vacation and when we return theres a letter from M & T Bank which is dated 3 days before our previous phone call and states that there 's an overdue balance of {$1.00} which at this point is 50 days past due and that this has been reported to credit bureaus. Sure enough we check my wife 's credit report and now see XXXX delinquent account on her report. This is the first and only delinquency on her credit report and her score has already dropped by XXXX points. We 've spoken with the branch manager named XXXX who is currently researching the issue has told us he 's not exactly sure if this is the bank 's fault and can not promise a reversal of the negative reporting to the credit bureaus. We firmly believe if the first banker ( XXXX ) had simply closed the overdraft line of credit the first time we visited the branch ( as we had asked for and assumed had happened ) there would be no issue and nothing negative to report to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I have been with Chase since XX/XX/XXXX and they can see it in my credit report as an authorized user and was advised that it will help me get a credit card in the future. I applied and was denied. do to the faq of my average age of account ... so XX/XX/XXXX to XX/XX/XXXX did n't count for anything ... a called several times to verify and every chase customer told me that adding a person to my account will help them in the long run to get a credit card ... so why are you lying?

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Debt collection (I do not know) with National Credit Adjusters, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeatedly calls my job when asked not to

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Balance transfer fee

Complaint: I applied for a credit card balance transfer at 12.24 % after 18 months at introductory 0 % rate with a 2 % balance transfer fee with Chase Bank on XXXX XXXX, 2016 on a credit card I have had for a very long time that was recently paid off. I was requesting a transfer from a XXXX credit card I have through my credit union, XXXX XXXX XXXX XXXX. The expiration date of the offer was XXXX XXXX, 2016. It said it would take up to two weeks for the offer to process. I checked online and it showed my transfer as processing for a couple days, but shortly after the request I was unable to access the entire balance transfer section online, including the offer page and transfer status page. When I called yesterday after waiting the alotted two week period with no transfer going through, they told me it did n't go through due to suspected fraud and that they tried to contact me, and said they would not honor the balance transfer terms since they had expired. I could instead do a balance transfer for only 12 months at 0 % with 12.24 % after but with a 3 % balance transfer fee. I was never contacted either through email or phone about this suspected fraud and was as stated unable to access the area online before the phone call. When I went online immediately after the phone call, suspiciously all of the information was again accessible with just the currently active balance transfer offer available. 

I am concerned that they were doing some sort of bait and switch to get more out of fees and a shorter 0 % period. I told them I was uninterested in that offer at this time after the customer service rep offered to do the transfer with the current higher fee offer right there over the phone. I am also concerned that they are doing this with other customers as well, and I just wanted to share my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Student loan (Private student loan) with HEARTLAND PAYMENT SYSTEMS INC (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Just recently I received a threatening from ECSI. It was  never my intention no to pay the debt accumulated during the less than a month stay in XXXX. ECSI representatives did not present me clear explanations of my responsibilities, or benefits regarding repayment. I have done some researches. I did not receive FormXXXX from XXXX ; therefore, I was denied the opportunity to deduct educational expenses through my Income Tax on that year. Neither did I receive the usual Refund I was entitled while attending XXXX. I need to know what type of Student Loan I am in debt with XXXX, which could not be consolidated, as my other student loans were ; ECSI did not submit to me any type of information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (AL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: InXX/XX/XXXX, my husband made a purchase at an online retailer with XXXX. The credit card issuer is Barclay 's bank. I receive paperless statements, and went to my online banking system to pay them. This account is used once or twice a years. My online bank indicated I paid the bill on the XXXX of the month, which was outdated information. The due date apparently was the XXXX. The full balance was paid, 3 days late. In my mind, I paid the bill, and forgot about it. XXXX XXXX through Barclays Bank contacted me at my email, ( which I never received ) indicating that I did not pay my bill on time, and continued to assess late charges and fees. When I was alerted by XXXX, on or about the XXXX XXXX XXXX that this was on my credit report, I called Barclays, and settled the dispute with them. They erased all charges. I spoke with two different representatives that told me they could not contact the credit reporting agencies on my behalf, and gave me an address. I wrote a letter, and copied XXXX and XXXX. I received an email from XXXX, which is attached, and I can not open the response.

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 Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a Credit Card with XXXX XXXX XXXX. after nearly 2 years of on time payments i made a payment with a work account which they rejected. No big deal BEFORE the due date i made another payment and not only did they close my account they reported me late on the Credit Bureaus. The payment was made XX/XX/XXXX ironically i made the paymentXX/XX/XXXX and payment was not due until XX/XX/XXXX. You can never get anyone on the phone as my account has not been turned over to a " special deparment '' As i type this complaint i have been on hold for nearly 20 minutes trying to make a payment. Practices like this company go unchecked. They have committed an intentional crime not a mistake and i need help getting them to own " their '' mistake and correct my XXXX XXXX and Experian In conclusion i was just HUNG up on while waiting to make a payment.
Thank you

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 10/23/2017 about Student loan (Private student loan) with New Century Financial Services, Inc. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I enroll at XXXX XXXX XXXX XXXX in XX/XX/XXXX for a program starting XX/XX/XXXX ending XX/XX/XXXX. During my enrolling and attending classes at XXXX XXXX, I went out on a approve medical leave of absence from XX/XX/XXXX to XX/XX/XXXX. I went to school for about a week and a half before going out on leave of absence. I never establish a grade point average because I was out on leave of absence. I receive a letter from the college inquiring if I was planning to re enroll, I call my student XXXX and told him I was n't planning to re enroll because I was still in physical therapy and I was unable continue school in the future. Counselor said he would take care of the matter. I never receive any forms to state that I was withdrawing from XXXX XXXX.I did n't hear anything from the counselor, I receive a letter from XXXX XXXX XXXX representing New Century Financial Services , INC . I am being sue for {$6600.00} and I strongly disagree on this debt because the college never followup on their own Cancellation and Refund Policy. I dispute the claim. to date, found it necessary to hire a lawyer to resolve this matter. Any assistance on your part would be helpful. Thanking you in advance.

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 12-03-2016 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Credit card protection / Debt protection

Complaint: An unauthorized {$300.00} charge appeared on my Wells Fargo credit card on XXXX XXXX, 2016. The charge occurred in Florida at a restaurant XXXX XXXX while I was traveling in California. I immediately called to cancel my credit card and report the fraudulent charges. I then called the restaurant and they stated that someone purchased {$300.00} worth of gift cards under the name " XXXX XXXX '' ( not my name ). Clearly it was a fraudulent charge. Wells Fargo shipped me a new card, but the charge carried over to the new card. 

Wells Fargo first failed to identify the fraudulent charge, has been incredibly unhelpful in both their fraud and dispute departments, has not removed the charge or even attempted to contact the merchant ( to my knowledge XXXX/XXXX/16 ) but has billed me for my latest credit card statement including the unauthorized charge. When I called their fraud department they state " disputes is handling it '', yet when I call their disputes department they state " fraud is handling it. '' They said it would be resolved in XXXX10 days, but this process has continued for over four weeks now with no apparent care from Wells Fargo.

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 05/28/2015 about Debt collection (Auto) with BG Lenders Service LLC (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A man from BG lenders has contacted people oin my family related to a car loan that I 'm working to catch up on. He never leaves a name on a the card but shows up & calls many people in my distant family making threats against, slandering my character, ect. He goes by the name of XXXX ... Plz help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Debt collection (Non-federal student loan) with CITIBANK, N.A. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX, XXXX : Company called place of employment to inquire about debt owed. I returned phone call and asked to remove work number from their contact list. 
XX/XX/XXXX-XX/XX/XXXX : Company resumed calling employer, despite verbal confirmation that work number would be removed from contact list.

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