milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have tried in writing and over the phone to get unauthorized inquiries removed from my Transunion credit report. These inquires are damaging my credit and the credit bureau states they are not allowed to remove THEM which further damaged my credit report. I disputed this information with both creditor showing on my report and transunion credit bureau and the creditors are confirming they do n't report any information to the credit bureaus. The FRCA states that the only permissible purpose for pulling someone 's credit is for firm offer of credit, employment, insurance and court order. None of the following are related to none of the aforementioned permissible so Im requesting the following be removed. 1. XXXX  XXXX/XXXX/XXXX, 2.XXXX XXXX XXXX XXXX/XXXX/XXXX, 3.XXXX XXXX XXXX/XXXX/XXXX, 4. XXXX XXXX/XXXX/XXXX, 5.XXXX XXXX  XXXX/XXXX/XXXX, 6.XXXX XXXX XXXX/XXXX/XXXX, 7.XXXX XXXX/XXXX/XXXX, 8.XXXX XXXX/XXXX/XXXX, 9.XXXX XXXX/XXXX/XXXX, 10.XXXX XXXX/XXXX/XXXX, 11. XXXX XXXX/XXXX/XXXX, 12.XXXX XXXX/XXXX/XXXX, 13.XXXX XXXX/XXXX/XXXX, 14.XXXX XXXX/XXXX/XXXX, 15.XXXX XXXX XXXX/XXXX/XXXX, 16.XXXX XXXX/XXXX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Bank account or service (Other bank product/service) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Making/receiving payments, sending money

Complaint: I was having difficulty accessing my accounts with Santandar through their online banking. I called the XXXX XXXX on the recorded line. After identifying myself through their automated system and changing my pin #, I was connected with XXXX, a represntative. I reviewed my difficulty with XXXX and he asked if he could ask me questions through public recored to confirm my identity. Although, I was confused why they would use public record as a means to confim my identity, but nevertheless I agreed. He asked me my name, address, and social security number. After a pause, he stated that he could no longer help me and that I needed to go to a branch. I was astonished that these were the " tough '' security questions that he asked and even more surprised that his service solution was for me to leave work and go to a branch. Clearly those questions are the very bare bones of identifying someone and I expected a deeper inquiry but received none. I asked to speak to a supervisor and XXXX stated that the supervisor would only state the same thing he did and that XXXX ( actually XXXX ) did not wish to take my call. I insisted and asked to wait to speak to a person in charge. i re-iterated that I did not wish to cause any trouble but wanted help to my issue and not deal with a branch. XXXX eventually picked up my call after the transfer and I reviewed my issue with her. She blamed the " system '' that her and XXXX use and stated their was nothing further to be done. I begged her to please ask me more difficult questions but they declined. I was open to alternatives to resolve this but XXXX and XXXX were not even remotely interested in exploring any other means. Remember, i was able to change my pin but they could n't ask me the amount of my HELOC payment. I told them that their service was poor and uncreative in spite of a basic request. I asked for her supervisor as I desired to provide sorely needed feedback and to explore further assistance if possible. I received no name, no phone number, no email to which I could address my complaint. I did receive a Client relations address to hand write a letter to. I also asked why she told XXXX that she did not wish to speak to me and or hear about my issue. She denied that that happened and in turn made XXXX a liar. Please remember this was a recored line, so there should be no dispute about any of this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 01/23/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: We think our mortgage company is asking for too much escrow money. Our escrow balance is currently XXXX. They are increasing our monthly escrow payment to XXXX. Which means my escrow balance after my XX/XX/2017 payment will be {$2100.00}. My total taxes and insurance are XXXX. XXXX of that is {$920.00} per month ; however, the bank is asking for XXXX per month. After I make my XX/XX/XXXX payment my escrow balance will be XXXX so even at the inflated amount of XXXX per month they will have more than 2 months worth of escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Consumer disputed a claim on Experian report submitted by XXXX XXXX XXXX. Consumer requested validation of information to be made and for Experian to conduct and investigation. Experian responded to consumer 's request for investigation without proper validation per FCRA law. Experian has not provided sufficient proof or information sufficient to validate this claim per FCRA. ( a ) The name of the creditor ;, b ) The person 's name they verified the dispute with ; ( c ) The address ; ( d ) The telephone number ; and ( e ) The documentation used to verify the dispute.There is NO address, name or personal information to substantiate this claim yet Experian continues to report this as belonging to consumer. This reporting by Experian, after consumer requested information is in violation of FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). Experian has violated FCRA law and consumer is entitled to recieve damages in the amount of {$1000.00} per violation. Consumer is entitled to punitive damages under 1681n of the FCRA due to Experian 's negligence, and willful noncompliance Consumer was denied credit for mortgage. Mortgage lender identified this one account wrongfully attached to consumer 's Experian report as the reason for denial. This false claim by XXXX XXXX XXXX does not appear on other CRA reports of XXXX and XXXX. XXXX XXXX XXXX has a complaint filed with CFPB and has failed to respond to CFPB since XXXX XXXX, 2016. XXXX XXXX XXXX has altogether failed to respond to consumer 's multiple written request for validation sent by Certified mail. Experian has altogether failed to conduct a proper investigation per FDCA to validate this claim.

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 02/14/2018 about Debt collection (Other debt) with Gatestone & Co. International Inc. (MO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX XXXX said in print my account # XXXX for phone # XXXX was 'month to month ' on their billing site. Haven't had a contract in over 10 years. XX/XX/XXXX changed carrier. No place on billing site to say " stop service ''. XXXX XXXX XXXX continued to charge me a monthly fee even tho there was NO activity on my account. They sent emails, but i thought they were ads to induce me to stay a customer, as my account said it was MONTH TO MONTH. Assumed that means if you don't pay, you don't have an account. I did not realize the account was accruing monthly usage fees ( FOR NO USAGE ) until they sent a collections letter in XX/XX/XXXX. XXXX XXXX XXXX says a " pay as you go '' account is the only account stopped if the next monthly payment is not received, and that my " month to month '' account can not be stopped simply by no payment and no activity. There is NO WAY on billing page to stop service. XXXX XXXX XXXX 's service personnel confirmed that. Also said they could not get into my account b/c it had already been sent to collections. Called phone # on letter from XXXX XXXX XXXX, they gave me collections # which is GATESTONE XXXX which is connected with spurious business practices re collections. I offered Gatestone $ XXXX/month to pay off this ridiculous charge. Gatestone threatened me with immediate credit ruination if i did not pay $ 63/XXXX. XXXX XXXX XXXX uses DECEPTIVE BUSINESS PRACTICES as well as a spurious collection agency to collect these unearned fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Billing disputes

Complaint: File a complaint Credit reporting Filing against BofA I XXXX has had a credit card with Bank of America. I opened the card in 2003. I was given with a XXXX limit and have never been late on one payment. In fact the card has sat dormant for some time. There was a recent fraudulent charge from XXXX {$5.00} I have never used this card for XXXX in fact this card was not used for more than 6month prior to this charge. Because the account was dormant I did not pay attention to the bill as it should have had a XXXX balance if not for the When I did notice the charge Bank of America refused to remove it because it was over 60 days. I value my credit and tried calling to resolve this issue and got no cooperation in this matter I was forced to pay the now {$13.00} dollar bill due to late fee and was told that I could not dispute it because it was more than 30 days past due. The charges are not mine and I would like this removed from my credit 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 monetary relief
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My credit report shows a hard inquiry from  XXXX . I did not authorize this inquiry and would like it removed from my credit report   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX , 2016

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Late fee

Complaint: My Citi ThankYou Preferred Card statement dated XX/XX/2016 showed a balance of {$2.00}. I attempted to pay the bill electronically through the Citibank website as I always do for my credit card bill ( and many other bills ). I got a message saying that the balance was too small to be paid electronically. 
On my XX/XX/2016 statement, there was a {$.00} minimum interest charge and a {$2.00} late fee ( in addition to the other charges incurred for that statement ). I complained to the telephone and online customer service representatives, explained the situation, and asked for the interest/late charges to be refunded given the error message I got on the website ( and given that I have been a customer for 21 years, I have never had a late payment, and I maintain a healthy balance in my linked Citibank bank accounts ). The representatives refused to reverse the interest/late fees and said there was nothing they can do. 
I have continued to pay the actual charges being incurred on the card while this dispute has been pending. However, I have refused to pay any interest/late fees. 
The situation is absurd - I pay my bill electronically and on time all the time ( and have for years ). This time, the Citi website would not let me make the payment - that is a Citi issue, and not a me issue. And, I have been a longstanding and loyal customer for years.

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 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been trying to get XXXX XXXX XXXX to remove inaccurate credit reporting information for over 4 years. Recently, because of an investigation by the credit report agencies and Education Ombudsmen it was discovered that my mail forwarding address from XXXX XXXX, when the loan was transferred to XXXX XXXX XXXX, was inaccurate. I have never lived at the address listed from XXXX of XXXX and did not receive mail at my correct address during this time. As a result XXXX XXXX put my account as delinquent without any notification having been received. My account has since remained in good standing. I have tried to have this resolved NUMEROUS times filing disputes, talking to supervisors, and even getting the Ombudsmen involved to no avail. XXXX XXXX XXXX always says that the reporting information is correct when in fact it is not. This violates the Fair Credit Reporting ACT which I have made them aware of numerous times. THEY ARE NOT COOPERATIVE AND DO NOT PROVIDE ACCURATE INFORMATION. This has caused me great financial distress. I have been denied auto loans and could not secure housing because of this on going issue.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NJ).
Issue: Fraud or scam

Complaint: Rushcard has refused to release my money from my direct deposit for over a week now. I spoke to numerous reps and none of them have a answer on when i will recieve my money. This has caused a hardship for me and my family. Its my money and they have no right doing this. Please help me for my pain and suffering by loosing mote money by not being able to get to work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (IL).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: I received a notice from my stock trading company stating that I was denied an account due to insufficient funds because I did not have a monthly income to qualify for the account. I looked at the letter and noticed that the had my yearly income incorrect so I called them to correct that issue and when I did a few weeks later I received a credit card from the brokerage that I did not apply for. A week later I realized that the banking institution I use for my day to day transactions which holds my credit card balance was XXXX out??? How did that happen? I did not know where the balance went, who paid the balance or where it was transferred to, XXXX disappeared from my Military Banking institution without my knowledge. A month later I logged into my trading  brokerage app and found the balance was transferred to a credit card I did not apply for and furthermore, I did not AUTHORIZE ANY TRANSFER. They transferred the account balance, charged me a fee for the transfer and raised my APR. I contacted them to ask them who authorized the transfer and the customer service told me that I authorized it but could not prove ( to date ) who authorized a balance transfer. I was then transferred to their fraud department and they did an in-house investigation, a month later I received a letter of denial saying that they did not find any fraud and that I was still responsible for the credit card balance. I spoke with customer service and the fraud department on a three way call as to where the customer service representative said that my complaint resides with the fraud department to which the fraud department said they would send a letter that I would need to have a notary witness the letter upon the return to their department, I also paid for it to be certified upon receipt that they had received the letter within the time frame they put on the letter. Now I keep receiving calls from their customer service saying that my balance is seriously overdue and that the account is about to go into collection. This company has ruined my credit status from XXXX now down to XXXX due to their deceit. They transferred a balance from the my banking institution that I used to transfer money into my trading brokerage. This is not what I applied for nor did I approve to take on a transfer fee and allow them to raise my interest rate, why and who would be stupid enough to accept such a transfer? No one and thats why the illegally did the transfer and now there has been late fees incurred to this fraudulent account in access of {$2500.00} and they hurt my credit score. Please investigate this fraudulent practice of theft.

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 08-03-2015 about Student loan (Non-federal student loan) with Campus Student Funding, LLC (NV).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I attended XXXX XXXX, XXXX, NV XXXX, and received a private student loan with payments to be made to XXXX XXXX, during and after completion of my studies. I subsequently learned that my payment obligations have been transferred to Campus Student Funding ( CSF ), as a result of DOE finding XXXX was engaging in bad practices. Furthermore, I came across information that private student loans were to be discounted, yet CSF is still seeking the full original loan amount.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Using a debit or ATM card

Complaint: I HAD MY WALLET TAKEN FROM ME AND THEY TOOK {$2000.00} OF MY BANK ACCOUNT AND WHEN I CALLED MY BANK TO REPORT IT THEY SAID THEY WOULD TAKE CARE OF IT AND THEY TOLD ME THAT THE BANK CANT NOT LOSE THIS MONEY LIKE IT WAS MY FAULT MY WALLET WAS TAKEN FROM PURSE ALONG WITH ALL MY CREDIT CARDS AND ID. AND MY BANK WELLS FARGO DENIENED MY CLIENT AND NOW I AM OUT {$2000.00} I WANT TO KNOW WHAT PROTECTIONS DO I HAVE AGAINST FRAUD AND HOW CAN MY BANK IN 1 DAY COME TO A DENIAL SO QUICK AND JUST LET ME LOSE THAT MONEY I NEED HELP IN THIS MATTER IT IS NOT FAIR AND I FEEL THAT WELLS FARGO DOES NOT STAND BEHIND THEIR CLIENTS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (WI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent request for validation of debt. I have a certified mail receipt. Company has failed to respond in accordance to FDCPA guidelines. I have demanded the removal of the item with still no response. I would like the item removed immediatly.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is submitted because of deceptive practice by Transunion credit reporting. First, I went to apply for a rental house and I pulled up my free credit reports on XX/XX/XXXX. First thing I notice on the Transunion report that I was delinquent by 30 days on my auto account loan ( installment loan ) with XXXX XXXX XXXX XXXX for the month of XX/XX/XXXX. I paid off my Auto loan on XX/XX/XXXX. I  promptly put in a dispute to Transunion, first I tried to do it online and upload the documents and then the computer told me I could n't upload documents. I was using XXXX browser which does n't support XXXX anymore ( same on XXXX XXXX ), so I went and pulled up XXXX XXXX and was able to load the document and got the a message saying that I had to submit this via mail because my dispute is not supported via online. I called Transunion on XX/XX/XXXX and they said that the information they receive is reported directly from my bank. Okay, so on XX/XX/XXXX, I promptly called XXXX XXXX XXXX XXXX and spoke to their loan servicing department which reviewed my account and stated that they DID NOT report to Transunion, they use XXXX and I have no late payments. So here is my dispute status " We have discovered that your request requires additional manual processing. As a result, online delivery of your dispute resolution is unavailable at this time.You will receive a mail soon with further instructions. '' I called to Transunion and told them what the credit union said and that if I want to add that information to the dispute it would be and extra 10 days to review. Huh? So what I want to know is how does this company get my information, they have now? They taken my FICO score down to XXXX and I ca n't do anything about it. It is like they are making things up so you have to check and pay for your FICO score and credit report a couple of times. If my Credit Union does n't relay this information about my accounts, how do they obtain this information? Do they make it up? Are they fishing for business? Now they have wreaked my credit score and I ca n't speak to anyone who conveys the English language without me trying to decipher what they really mean.

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 04-09-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I first contacted equifax by phone to dispute several inquiries on my credit report and I was n't allowes to dispute the inquiries by phone. I was told I could dispute them online or in writing. I disputed them online and the investigation was completed the same day. I was told that the inquiries were factual. The inquiries on my rwport werw not the result of any request made by me. They did not investigate my dispute. I also contacted the creditors to have them removed and they directed to request the inquiries be removed by the credit reporting agency. Tge inquiries are affecting my credit standing. I understand that inquiries that I initiate will remain on the report. I only want tbe ones that were not initiated by me removed. 
Thank you and I wiuld appreciate assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Debt collection (Credit card debt) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I ordered a knife from XXXX XXXX XXXX, XXXX XXXX WI and used my XXXX XXXX CREDIT CARD to pay the {$13.00}. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX, TX XXXX, keeps billing me for {$13.00} each and every month. I have called XXXX XXXX at XXXX and voiced my concern and they said they would take care of the matter. Now I received a letter demanding {$26.00} that I do not owe. XXXX XXXX is threatening to diminish my almost perfect credit record. 
I have never missed a payment with XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation