milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted Experian about 9 Inquiries that I have NO knowledge of. They always come back with the same MUMBO JUMBO, " it's suppose to stay there for 2 years. No, not when I didn't apply for it. I did NOT apply for credit with these companies and I DID NOT give any company PERMISSION to run my credit. The inquiries need to be deleted IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Late fee

Complaint: My credit card company charged me {$26.00} for late fee on a {$20.00} interest at the end of this billing cycle. My due date used to be on the XXXX but they moved it on the XXXX without my knowledge. The law says that a credit card company for instance ca n't charge you more than {$25.00} for late fee if your interest is {$25.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I contacted XXXX XXXX at XXXX on XX/XX/XXXX inquiring about an extension on my loan so that I may be able to get the account current. I was informed that I must pay XXXX to be awarded an extension and my next payment of XXXX would be due XX/XX/XXXX. This would give me an extension for XX/XX/XXXX and XX/XX/XXXX payments and put my account current for XX/XX/XXXX. I was given confirmation # XXXX On XX/XX/XXXX XXXX XXXX XXXX XXXX was debited from my bank account to pay the required XXXX ( XXXX processing fee ) for the extension. 
XX/XX/XXXX XXXX XXXX Online payment was debited from my bank account XX/XX/XXXX XXXX XXXX Online payment was debited from my bank account My financial institution was bought out, so I am having trouble located the XX/XX/XXXX and XX/XX/XXXX payments. I can find this information if requested. 
My credit report shows me 60 days past due for XX/XX/XXXX and 30 days past due for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. According to the phone call and payments that I made these payments should be marked as on time.

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 07/29/2016 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (AZ).
Issue: Settlement process and costs

Complaint: I had been working with SLS or the past two years. While working with SLS I made my monthly house payments on time so that if the loan was not approved I would still maintain my house. My original loan was through XXXX XXXX XXXX. Apparently they sold my house loan to SLS. I had applied for a HARP modification on my home. I have waited almost two years with numerous phone calls and resubmitting documents, rude behavior, and promises. I was finally approved for the Tier II loan and had made the payments as agreed. While in the process of making the payments and paying as agreed with the modification approved my home was sold to XXXX. I was not notified by SLS that they had sold my loan, but they were still accepting my house payments until the loan sold on XXXX/XXXX/2016. XXXX purchased my home and has filed documents for me to vacate my property at XXXX XXXX XXXX. The Bank wants me out of my house. They have already took my property and Deeds of Trust and I have not been notified to vacate by the courts. I did as required, made my payments as agreed and sent in all documents. But for SLS to sell my home from under us is wrong. We were not delinquent. SLS has not been faithful and truthful on their parts, and are very rude, and disrespectful on helping. Each phone call is a different lie, or they ca n't find the documents or never received. I have had to submit documents more than three times on some occasions. I need help on getting my house back. My husband and I are XXXX XXXX. My husband is XXXX and I am XXXX in a few month. We have no place to go, we do not have the funds to hire and attorney, or moving expenses. How can SLS sell our home when we was current in our house payments. Please help us. I can mail or fax documentation copies as requested. I believe we have been removed from our home illegally. There tent to be an on going situation with SLS and XXXX committing fraud on taking homes from people. In the area I live it is called flipping homes and I believe I have been the victim of the scams. Some months I had to pay extra {$300.00} monthly payments above the {$1100.00} house payments. Plus, I had to pay closing cost in the amount of {$650.00}. With HARP Loans I were told you did not pay closing costs. 


I Desire that SLS go back and buy our home back from XXXX and finish our loan with us. We did not breach our contract. SLS sold our loan to XXXX without making them aware they had approved us for a Loan Modification. We want XXXX and SLS to review their documents and give back what we have worked hard for the past 15 years or so.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: My most recent Wells Fargo bank statement includes a generic statement : " We can close your account at any time... We may but are not required to allow you to leave on deposit sufficient funds to cover outstanding items to be paid from your account '' There are no reasons given as to why my account may be closed at any time. This statement probably appears on all Wells Fargo statements, but is not backed up by any documentation. The irony is that in a previous paragraph, it reads : " Thank you for being a loyal Wells Fargo customer We value your trust in our company... '' My question is : How can a federally regulated bank get away with making what to me is a harassing statement without backing it up by documentation?

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 12/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: XXXX closed all XXXX of my credit cards ( XXXX personal cards AND XXXX for my small business ). The closure notice cited too many credit inquiries, despite my card account having been successfully opened over a month ago. I had XXXX inquiries on the cited report on XXXX XXXX, XXXX, and XXXX alone were XXXX! If inquiries were the real reason, they would have denied my last card on the XXXX/XXXX/XXXX! 

I think XXXX closed my accounts because I overpaid my credit card balance by ~ {$500.00}. I did n't know at the time but read later that overpaying your balance upsets them! 

Crazy how they my perfect record of making exact payments to XXXX is overlooked, by paying extra! 

I have done nothing wrong and this irrational action by XXXX will adversely affect my credit score and report. I am really disappointed in XXXX 's actions as a bank, as I was previously a satisfied customer and always recommended them.

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 10-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XX/XX/XXXX Chapter XXXX Bankruptcy petition # XXXX was filed in Hawaii and included creditor XXXX XXXX for an unknown amount ( guessed {$540.00} ). 
XX/XX/XXXX Chapter XXXX Bankruptcy discharged # XXXX including XXXX XXXX debt. 
XX/XX/XXXX - XXXX XXXX has continued to forward discharged debt to collection agencies. This debt has been disputed multiple times including asking the creditor ( XXXX ), debt collection agency ( XXXX ), and the credit reporting agency to remove the collection item.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (Medical) with Io, Inc. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My son and I both go to XXXX as regular patients. We both are under my health insurance. I am a federal government employee with excellent health benefits. I keep receiving harassing calls from receivable management in XXXX Virginia saying that I owe bills to XXXX. I went onsite and while at XXXX I was told I do not have a balance nor do I owe a bill. XXXX does not allow patients to be seen if a balance is owed. I received a notification on my credit report stating that XXXX is being reported by receivable management I was very upset but because I 'm going through security clearance I paid it. I need this investigated because they clearly are n't sending bills to my insurance company and there is a disconnect I 'm not receiving bills and I do n't owe any I received another call today for XXXX from this receivable management this is fraudlent and becaus inpaid the first bill they are trying again. This needs to be deleted from my report I was told if I pay it and request in writing the XXXX would be deleted and it has n't now they are asking for XXXX

Company response to consumer: Closed
Consumer complaint received 07/26/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX, TX XXXX Account Number Num : XXXX XXXX : CFPB Case Num : XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report. These items I 'm disputing also is listed bellowed as an attachment. You could see the account information as it appear in my credit repot. 

Enclosed are copies of enclosed documentation, such as Letters supporting my position. Please reinvestigate this these matters delete and correct the disputed item as soon as possible. I have attached copy of all the correspondence regarding this issued with XXXX XXXX. 

Due to the age of the account was closed on XXXX XXXX, XXXX with a zero balance. It has been more that 8 years. The company has reported to the bureaus, to remove the account from the credit report. 

Thank you for the opportunity to clarified this issued. 

XXXX XXXX Dear XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT, XXXX Account Number Num : XXXX XXXX : CFPB Case Num : XXXX Attachment of the credit Report

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 05-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I discovered a negative account for XXXX, for nearly XXXX in rent on my credit report as of XXXX. I contacted XXXX once I saw a negative account in my credit report. They responded that they had no lease for me for XXXX. I contacted National credit System immediately and asked to look into it., in XXXX/XXXX/XXXX. I have not had a response so far. Until this is resolved no one will rent to me and my children. I get to sleep in a car. I definitely feel a negative impact for this fraudulent account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Debt collection (Auto) with CREDIT ACCEPTANCE CORPORATION (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Debt was included in bankruptcy and my wages are being garnished for it now.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was affected by the recent Equifax security breach and Equifax believes that my information including social security number, driver 's license and address may have been compromised. Though I understand Equifax was a victim of the hack, I entrusted them to keep my personal information safe and secure.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Student loan (Non-federal student loan) with KEYCORP (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Rec 'd letter back from XXXX from a person named XXXX. She states that the education loans have a cap of 25 %. Math is black and white. The loans I have have a 48 % interest rate. It is now my understanding the they can compound interest until they get to 25 % and then they have to stop. This surely would be in the best interest of the young adults with school loans, car loans, mortgage payments and babies mouths to feed. It surely would be in the best interest of our country to have educated people and who were n't afraid of loans like they are of bad marriages. If you can do Math, you can figure out, not like XXXX, from XXXX, that the loan I am a co-signer on is 48 % interest. Here are the figures : Original Loan Amt : XXXX. Total Amt Paid : XXXX. Remaining Balance : XXXX. And if the cap is 25 %, then all I owe is XXXX, and that is all I am going to pay, not XXXX!!! And for all the school loans, several people need to be hired to re-calculate this criminal usery and injustice to this generation who are raising families. My desired solution is to have my loan recalculated to 25 % interest rate, and everyone else 's school loans re-calculated to 25 % interest rate. By the way, most interest rates can not exceed 22 %. Thank you for doing something about this atrocity. This is an abomination to our next generation.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Payday loan () with CURO Intermediate Holdings (TX).
Issue: Charged fees or interest I didn't expect

Complaint: I was charged a great amount of interest and was not aware of it.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Mortgage (FHA mortgage) with GEORGE MASON MORTGAGE, LLC (VA).
Issue: Closing on a mortgage

Complaint: First, this complaint does not fall into any of the categories you gave me to select from. This complaint has to do with my rights, or the lack thereof, in connection with selling my home located at  XXXX   XXXX   XXXX ,  XXXX , VA  XXXX . As a seller, I 've been told that I have NO rights to be advised as to why the closing for the sale of my home has been delayed REPEATEDLY. How can regulations put in place by  a Consumer Protection Bureau pr ovide rights to a buyer and not the seller? My home went on the market  X/X/17    and an offer was submitted to me on  X/XX/17    with a pre-approval letter from George Mason Mortgage. I accepted the offer the same day (  X/XX/17    ) based on the fact that the buyers had been already pre-approved. The pre-approval letter quoted a closing date of " on or before  X/X/17    ''. Late in the afternoon of  X/X/17   , I called my attorney 's office to find out if all was good and was told that the closing had been moved to  X/XX/17    with no explanation. On  X/XX/17   , I found out that the closing had been moved to  X/XX/17    with no explanation. On  X/XX/17   , I found out that the closing had been moved to  X/XX/17    with a comment made by the buyers real estate agent that " the employer had been slow verifying the purchaser 's income but they now had the verification ''. On  X/XX/17   , I found out that the closing had been moved to  X/XX/17    with no explanation. Now I find out that the closing MAY take place on  X/XX/17    but no one is even sure about that. This could go on forever. What are my rights and what recourse do I have? My attorney tells me that I only have recourse if the reason for delaying the closing is unreasonable - however, because the CFPB has said I have no rights to know why the delay has occurred, then how will I ever know if the reason was unreasonable? This agency needs to protect my rights as well. Please let me know what my rights are and what else I can do.

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 06/30/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid the debt and ca n't get them to send me a receipt. I have called almost everyday since XXXX/XXXX/16.

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 12/28/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian is reporting inaccurate information on my Credit report and said information does not belong to me. Experian has re-aged the inaccurate information on my credit since 1998 and is in violation of several federal laws. The information does not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Payday loan, title loan, or personal loan (Installment loan) with GVA Holdings, LLC (CT).
Issue: Struggling to pay your loan

Complaint: I am having trouble making the payments I borrowed  XXXX  but the interest rate is 720 % I will have paid over {$7000.00} when done the {$400.00} payment every 2 weeks is making it difficult to keep up with my mortgage and bills I need to pay

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is a credit account showing up on my credit reports that don't belong to me. The account is XXXX with a balance of {$8000.00} this account doesn't belong t me and needs to be removed off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
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: I had signed up for a internet dating site called XXXX on XX/XX/17 and the charge was {$65.00}. I found that the site was posting fake ads - there were several ads with the exact same personal introduction. Example : XXXX XXXX XXXX XXXX, CA I think Im pretty easy to get along with. I think its because I like to listen just as much as I like to talk. People find it easy to communicate with me and I think thats a big reason why. 

XXXX  XXXX XXXX, CA I think Im pretty easy to get along with. I think its because I like to listen just as much as I like to talk. People find it easy to communicate with me and I think thats a big reason why. 

I tried in good faith to resolve this with the merchant with no success. I therefore, submitted a dispute with the credit card company. I supplied the above info twice and the reply was that I had not submitted proof to validate the dispute, namely proof of cancellation of the purchase. I was not disputing the charge based on the issues of cancellation/non cancellation but on the quality of the product.

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 Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Payoff process

Complaint: I have a care credit card account which I use solely for my dog when she has XXXX ( XXXX ). I had my account down to {$1900.00} and when I went to make my usual {$100.00} payment today, my balance has shot up to over {$2500.00}! I was shocked and called and their answer was that the payments ( when CALLED IN ) you can verify which deferred purchase I would like the money to be credited to. I have had this account for YEARS and have been making payments that I assumed was going towards the oldest deferment. To my shock and disgust, it was not and literally it is entrapment, then they tacked on {$580.00} which should of been avoided due to my bigger than suggested payments. It is extremely unfair, she admitted to me that this information is NOT on the statement, nor website where I make my payments. obviously, had they told me, this would of been avoided all together. I was furious when I did get her to tell me that there was XXXX purchase that was deferred and only had a balance of {$27.00} but unless I called and told them this was the XXXX to put the payment towards, it would of tacked ANOTHER {$350.00} on soon. This information is nowhere for me to see to decide what I should pay, she said it is listed like purchases on a credit card then it drops off ... really? I feel angry, tricked, and I want care credit to know my eyes are wide open and from now on I will call them every payment made and keep XXXX of their people busy telling me any and all purchases and when the maturity date is so I can finally,,, after three years of wasted {$100.00} payments not getting properly credited, now I know why I ca n't seem to make any headway with this account. I recently went paperless assuming all the proper information regarding my account would be listed and it is not. Very unhappy with this situation. I am a single mom with XXXX XXXX and a mortgage, {$580.00} is a ton of money to me ...

Company response to consumer: Closed with monetary relief