milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-03-2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: To Whom It May Concern : I would like to dispute the validity of XXXX account XXXX. The following is a list of incomplete inaccurate information contained in XXXX account XXXX. 
1. Account opened in XX/XX/XXXX however no payment history from XX/XX/XXXX-XX/XX/XXXX 
2. Account sates no last payment. Account states first delinquency in XX/XX/XXXX. However, payment shows payment received in XX/XX/XXXX. No account history from XX/XX/XXXX current. 
I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? 
Thank you Sincerely,

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 09/15/2015 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (GA).
Issue: Deposits and withdrawals

Complaint: On XXXX, I initiated a {$900.00} online bill pay transaction with my bank, Ally Financial Inc., to be received by XXXX XXXX XXXX XXXX for a loan installment on XXXX. On XXXX, {$900.00} was debited from my account and I thought everything was cared for. On XXXX and XXXX, I received emailed correspondence from XXXX XXXX XXXX advising that payment had not been rendered. Upon checking email on XXXX, I immediately contacted Ally. Initially, I was told that someone other than XXXX XXXX XXXX may have intercepted the check and cashed it. Further conversation yielded that the check had not been cashed, but rather the payment was mailed on XXXX and it takes 7 to 10 business days for the payment to be received by the payee. When pressed on why the payment was mailed on XXXX, the representative corrected her statement and shared that the payment was mailed on XXXX. I requested to speak with a supervisor to share my dissatisfaction and received yet another explanation of the events. 

Since no payment has been rendered, XXXX XXXX XXXX has levied a {$25.00} late fee on my account. To quickly rectify the situation, I requested that funds be wired from my Ally account to XXXX XXXX XXXX. I was informed that it would take 3 business days for the {$900.00} that was debited from my account on XXXX to be returned. I then inquired as to why it takes 3 business days to return funds from a check that was never cashed back into my account and was told " That 's just how long it takes us to process this. '' This is completely unacceptable and I demand satisfaction ; the bank should not be allowed to arbitrarily hold my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-09-2015 about Debt collection (Medical) with TH Professional & Medical Collections LTD (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: XXXX., Monday, XX/XX/XXXX15I was just at my desk and received a telephone call from a medical collection agency XXXX regarding an account I have had with them since XX/XX/XXXX this year. I was asked initially to verify my date of birth, which I did not do immediately. When I asked for the identity of the person calling me, the lady on the telephone responded with asking me the same question about my date of birth. I refused again, stating that I was not trying to be rude but did not feel this type of call to me at my place of employment was appropriate for them to contact me. The lady then asked to be transferred to the XXXX XXXX department of my employer. I did give her the general telephone number to call but did not transfer her. I also did verify my date of birth to her, although I am sure she had that information on her computer screen in front of her. The telephone number that showed up on my caller ID is ( XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have sent several letters/disputes to Trans Union, XXXX, and XXXX about incorrect information currently on my credit report. I have not gotten any responses. I am very afraid that someone has been using my information and opening fraudulent accounts. The Only Names, Addresses, & Employers that should be listed on my Credit Report are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former Adress XXXX XXXX XXXX XXXX, XXXX  XXXX Current Adress XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employer : 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 02/13/2017 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. ().
Issue: Other transaction issues

Complaint: On XX/XX/2017 i saw an unauthorized transaction of XXXX on my credit card with the description " *PAYPAL ''. 
I instantly logged into my PayPal account and filed an " unauthorized claim '' for that transaction. 
On XX/XX/2017 PayPal told me through email that the transaction was unauthorized and refunded the total amount in my account ( not my card ). 
In the next days PayPal permanently limited my account ( too risky for them ) without give me the possibility to withdraw that money to my card. 
Why refund me if you do n't let me take my money back to the card? 

I called them and the phone guy told me that PayPal sometimes holds the money for 180 days to cover any chargeback or claim. 
I NEVER received a payment on my PayPal account, i created it only for online shopping. 
There are no incoming transaction and they know it. They can check my transaction history in 1 minute. 

At the moment they are holding my money for absolutely no reason. I CA N'T receive chargeback or claim because i simply have n't received payments. 
This is an abuse. I do n't care that my account is permanently limited, but let me withdraw my money.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PNC Bank N.A. (PA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XXXX XXXX, XXXX, I was charged a late fee on my PNC credit card due to an automatic payment failure on the PNC 's part. Once I noticed the failure, I manually paid the balance on XXXX XXXX. I called PNC and talked to them about the error but they would not remove the late fee. I set up the automatic payment feature to avoid these types of issues and now due to their system failure, I have been charged {$25.00}. I am requesting my {$25.00} late fee be removed. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Screening Reports Inc. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: SCREENING REPORTS RAN MY CREDIT ON XXXX TWICE IN ERROR!

Company response to consumer: Untimely response
Consumer complaint received 09/26/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Loan servicing, payments, escrow account

Complaint: My complaint is against Bank of America. Due to my loss of job during the great recession we were working with them to refinance our home loan in 2009. While making our " new payment '' they were reporting it to the credit bureaus as NOT being paid and ruined my credit. While we did eventually refinance the loan they stuck me with {$17000.00} of unpaid back payments and my credit is damaged. I am current on all debt and all mortgage payments are up to date with NO late payments reported since Bank of America lied to us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Experian refuses to refund charges to my credit card for a membership I canceled 39 minutes after I was notified of it. They continued to bill my credit card for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX even after I clearly rejected their membership on XXXX XXXX, 2016. They have denied my claim and my appeal saying I never canceled the membership. Hopefully the attachment showing the e-mail proves my case if it attached correctly. I understand I 'm not the only person having problems with Experian. I think this is how they make their money. They are not honest and upfront. They should be honest and explain in better detail what they are doing or trying to do behind your back. I never logged in or used their services in any way. I ignored all their e-mails and attempts to get me to log in or use their services.

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 09/30/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The following personal information is incorrect on my credit report. 

Wrong names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached is a copy of my DL, SS Card and utility bill so you can see its wrong.

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 10-11-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On XXXX XXXX a check was sent to Navient via certified mail. The check arrived and was withdrawn from the account the the XXXX. The check had the account number in the memo line. After not seeing the payment post on my account, I contacted Navient and was informed that they dont have record of the payment. They requested a bank statement to confirm the money was withdrawn. I refused to send a statement as the check was written from a business account and I find it ridiculous that the company was able to deposit the check and now expects me to send more financial documents.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit card () with BARCLAYS BANK DELAWARE (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX 2016. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. There was a {$6.00} or so interest that moved over from the previous month after I paid my card off and honestly did not know there was a balance. I contacted you guys and paid my card off right away.

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 12/24/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Credit card protection / Debt protection

Complaint: I suffered a job loss XX/XX/XXXX. I have been a loyal cardholder of Citi for 20 yrs and opted in for their Credit Protector program for XXXX credit cards with Citi and had been paying this for over 4 years. I submitted a monthly form to utililize their Job Loss benefit which covered just my monthly payment every month. In the current terms it stated after 24 months the company would cancel my balance if continued job loss occurred. When my 24 months passed, I got a letter indicating I do not qualify any more as their change in terms for the program upgraded XX/XX/XXXX so I will not be applied the benefit after 24 months. This was devastating as I clearly could not continue making the monthly payments as unemployed. This is complete fraud and a scam to those in need of the benefits they advertise and offer.I called several times to verify this and spoke with supervisors who were unhelpful and a total disregard of my situation. After being a loyal cardholder for 20 years, they offered no assistance or consideration. I did not know who to report this to of if it is even legal to remove services or change services and mislead you into believing the customer is at fault! I would like to report this as Im sure several other cardholders fell into this trap as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I started a saving account with Bank of America ( BoA ) a few years ago and deposited {$60.00}. Just recently, the account showed closed out and empty with XXXX balance. I called the XXXX number and representatives told me the account was closed and that a check was sent to me. I never received a check so I went to BoA and inquired there and they said that the bank charged me for services and that the money is all gone. I never knew of any charges and never used the account accept to be a savings account for my grandson. Now what do I tell my grandson about his money?

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 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Affidavit of Demand by XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, FL, XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

FTC Identity Theft Report Number : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX my credit report is showing inquiries from CBNA company. I did not authorize these inquiries and would like them removed immediately from my credit report. 

Name of Company - CBNA Date of Inquiry Type of Business XX/XX/XXXX CBNA XXXX XXXX XXXXXXXX XXXX XXXX, SD 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 01/25/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (VA).
Issue: Application, originator, mortgage broker

Complaint: I reached out to Green Tree in hoping to get some answers on a home loan. I was contacted by XXXX XXXX in the XXXX, NJ office. I gave him my social security number, income, address and all necessary information to run my credit. 

He replied back to me with my credit score and that he would get back to me with a financial plan. 

I waited over 5 days to hear back from him, meanwhile the realtor is awaiting this information. I had to send him a follow-up email on the status. 

He stated, " Good luck, you will need it. '' I then got upset because his customer service skills were horrible. I advised him I would never deal with him or Green Tree due to his poor communication skills. 

At XXXX, he then sent me another email stating, " I truly apologize. I did n't like the tone of your email and gave you a nasty reply. It was childish and I was wrong. So I am sorry. I had a rough day, your email set me off, and I made a mistake. 

I thought we did try to help you. If I recall, you said there were items on the report that were n't yours. We sent you a copy of the report so you could see what was on there. We could n't do anything based on the report and your resulting income to debt ratios. So I thought we tried helping you by letting you know what was on there, and apologize if you think we did not. There 's nothing I can do to remove those items. You will have to get in touch with the credit bureaus to see why they were showing up. That seemed to be the main issue and you will have that issue with any lender, as those items will continue showing up on your report. 

Again, I apologize sincerely and hope you have a good night " I am writing you this email so you know what type of employee XXXX is. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX DC, {$480.00}, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, {$7000.00}. I been receiving harassing and threatening phone calls of abuse, death threats, profane language, threats of arrests and taking legal action against me repeatedly from the above debt collectors. I have sent cease and desist letters to the above debt collectors via USPS certified mail, informing the debt collectors the account is fraudulent and unauthorized, and requesting for them to stop calling and writing me about the above reference and fraudulent accounts. The debt collectors from the above creditors continue to call and send me letters. This is a serious breach and major violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law. The above creditors are in violation of the ( FDCPA ).

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 05-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (SC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: My wife had applied for a  Chase Marriott Rewards Card in  late  XXXX    XXXX  , which identified an {$85.00} annual fee would be charged on each anniversary, however when we received the card and activated it on  XXXX   XXXX , there was already an {$85.00} fee posted to the account. My wife contacted  Chase imm ediately on  XXXX  at approximately  XXXX  EST and provided the Customer Servic e Agent per mission to speak with me, her husband. I spoke with  XXXX , from  Chase, at len gth regarding this issue.  XXXX  was not very helpful because she kept saying that I was claiming that the terms stated the first year annual fee was waived, however this is not what I was suggesting at all, so after  XXXX  stated that she could not waive the fee then I requested to speak with her Supervisor. I then spoke with a  Chase Supervisor and stated th at the terms state the annual fee is charged on the anniversary but does n ot state it will be charged at activation or will be charged for the first year. I asked the Supervisor if she could  point me to the verbiage in the Terms where it states the annual fee would be charged at activation or in the first year, and after being placed on hold for what seemed to be  XXXX  minutes or more, she came back on the line and read the Annual Fee verbiage, which does not state it is charged upon activation or in the first year. She basically claimed that the word " annual '' means that it would be charged immediately, even though it clearly states that it is charged on the anniversary.   I expect more from  Chase,  a s one of the l argest banks in the  XXXX , and ask the CFPB to please provide stricter guidelines for banks to communicate the specifics around annual fees.   Thank you in advance.    XXXX   XXXX

Company response to consumer: Closed with explanation