milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-06-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is still listing an account that is past the 7 year reporting period. 
XXXX, account number XXXX. Experian is the ONLY credit bureau that is still reporting this account.

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 06/14/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: The company   XXXX   XXXX   is trying to verify our account and has not done so in a timely matter therefore keeping us from accessing borrowing money from them. They 've been trying to access our account since  XXXX   XXXX  it is now  XXXX   XXXX  and they have the option of us contacting the bank or filing a complaint so that we can be able to borrow the funds.

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 04-01-2015 about Mortgage (Conventional fixed mortgage) with Altisource Portfolio Solutions, S.à r.l. (AZ).
Issue: Settlement process and costs

Complaint: First, the problem was not with XXXX XXXX XXXX, it was the seller ( Altisource ) and the Title Agency ( XXXX XXXX XXXX ). From the beginning I felt it was like a shell gave, every email was from a different person, based in XXXX, and the company name was different. I was scheduled to close on XXXX XXXX, 2015. Due to lack of response from the title company ( which I was forced to use due to the online foreclosure purchase process ) the settlement statement to XXXX for final approval was sent late thus missing the scheduled close date. The Close of Escrow was XXXX/XXXX/15 they did n't get the statement to XXXX till late on the XXXX. Then the loan docs were not received by the notary for my signing till XXXX on the XXXX. In the meantime I had wired my closing funds and XXXX wired the remainder of funds the same day. By the time they actually recorded the deed and closed the transaction it was XXXX/XXXX/15 six days late. Then they did not return my excess closing funds for another five days. Lastly, the costs the Title Company charged were significantly higher than the local companies charge. The inability of the title company cost me, they delayed my ability to move in on time, causing me to stay in a hotel since I had packed my belongings and was out of my apartment and I had to pay interest from the XXXX to the XXXX on the loan on a home that I did not own at the time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Debt collection (Medical) with CREDIT BUREAU OF NAPA COUNTY, INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/14 I underwent a XXXX procedure ( XXXX ). Prior to the procedure I was assured by XXXX that my insurer, XXXX, would cover all expenses, including XXXX, as long as the XXXX bill was no more than {$400.00}. I was further assured that this had not been an issue in prior procedures. Base on that information, I anticipated that my XXXX bill would be covered. 

Since that time, I have received constant demands for payment of {$2200.00} from XXXX XXXX XXXX XXXX. I had no choice in the selection of this XXXX, who is an out-of-network provider.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Consumer Loan (Vehicle lease) with Dealer Funding, LLC (GA).
Issue: Problems when you are unable to pay

Complaint: I Had accident the XXXX denied my claim but I was tryna arranged payments with dealer they close yo account has repossession

Company response to consumer: Untimely response
Consumer complaint received 06-11-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (PA).
Issue: Other transaction problem

Complaint: On  XXXX / XXXX / 2017  a money transfer of {$1500.00} was sent to   XXXX   XXXX   XXXX   XXXX   XXXX   vi a Western Unionim  error. I calle d Western Union within 1 hour of the funds being sent to request a transfer to the correct company. Western union stated it could take up to 48 hours for the transfer to process, so then I request a refund and that would also take up to 48 hours. I call   western un ion on  XXXX / XXXX /   17  to see if the refund was available and they said  XXXX  had not replied to the refund request. I called  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    and  XXXX   XXXX   XXXX   has no record of the transfer of money seeing that I do n't even have an account with them and the account  number that was sent on the transfer does not even match their account numbers. I sent a fax of the western union to   XXXX   XXXX   along with the sequence number, and they have no payments in their system. Western Union ref uses to refund me the amount that was sent to the incorrect company. I have no account now or in the pass with  XXXX   XXXX   XXXX   or any of it 's affiliate s. Western Union  repersentive have stated that they have sent multiple request to  XXXX   XXXX   XXXX   XXXX   XXXX   since  XXXX / XXXX / 2017  (  at least 3 emails ) and have not been replied to.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am victim of identity theft and have informed Experian that I filed FTC report and can they remove fraudulent accounts 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 01/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CO).
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: On XXXX XXXX, 2017 I received a letter saying that my dispute was declined because my evidence ( opinion from second merchant ) was not as described or correct. I went back to the second merchant and received clear proof that what the first merchant ( the charge on my credit card ) did was wrong and not as described. It  shows that whereas the first merchant says they rebuilt the transmission, they actually put in an old transmission, which was the reason the transmission was shifting hard, which shows that the problems were caused do to the work performed by the merchant. This is clear indication that I was fraudulently charged for services I did not receive. 

I have tried contacting Citi about this but no one has contacted me back. I was told someone would reach out to me regarding this dispute, but no one did. Today, XXXX XXXX, I was told that call volume is too high. Citi is not supporting me in this difficult transaction, because the merchant broke my car and his faulty service left me without a car for weeks ; I lost a lot of money and the merchant did not perform the services he said he did. Citi has an obligation to support me because I am the customer. The merchant has deceived, lied, and defrauded me out of my money and citi needs to remove both of these charges for XXXX on the diamond preferred and XXXX on the simplicity card, because I have gotten the proof they have requested. This has been a long and tedious process and I would like for citi to not help the business rob me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
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: To Whom It May Concern, On XX/XX/XXXX I decided to purchase a roundtrip plane ticket with XXXX XXXX from XXXX to XXXX. The plane ticket was purchased at around XXXX local time. Early the next morning I realized I had to change the timing of one of the flights and called to make the change. I was told by the phone representative there would be a change fee. I inquired about the fact that whenever Ive flown another airline I was able to change or cancel my flights within 24 hours for no fee. I asked about canceling the whole ticket and rebooking online. I was told there would be a cancelation fee as well. With a feeling of remorse and feeling disgusted, I relented and paid the fee. This occurred before XXXX on XXXX XXXX, XXXX, a mere 12 hours after the booking. The total amount for the change fee was {$560.00}. <P/>Some time after this, when meeting with a colleague who is a lawyer, he pointed and explained to me how theres a US law that explicitly states that ANY airline, domestic or foreign, that is traveling TO or FROM the US must allow 24 hours free cancelation to whoever books a ticket originating or departing from the US. After learning this I was outraged. I called XXXX XXXX demanding a refund for the change fee and was told no. I decided to dispute the change fee transaction with American Express, the company I decided to charge that transaction with. I submitted a written explanation along a copy of the US law. I was told no. I resubmitted the information a second time along with another explanation and was told no over email. I cant get a hold of anybody from the disputes department, and theres no way anybody can pass a message. I decided to cancel this specific account with American Express and Im becoming an advocate for people not to use their cards. However, they are not proceeding in the correct way since they are not siding with me in this particular case, a US citizen following US law. My goal with this complaint is to hear directly from American Express fraud and disputes department with an explanation of why they are not siding with me and not following US laws and regulations. It is amazing that a foreign company is ripping off a US citizen, and the American company responsible for helping me is siding with a foreign company. <P/>Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-10-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The account in question has been reported since XX/XX/XXXX as delinqent and equifax have it as XX/XX/XXXX which it worng and the statue has expired to report the accounts. 
The reporting dates are diffrent than my Experian report by years of 5 plus. 
XXXX XXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Problems caused by my funds being low

Complaint: I had a fraudulent charge on my account from a service i had canceled. I called U.S. bank to ask for a stop charge because my account was overdrawn. He agreed to stop it but it was never stopped. The charge went through and i was charged the XXXX dollars. I called back had the XXXX $ refunded but there charge caused me to have XXXX more overdraft fees. They agreed to refund XXXX of them because it was there mistake but not the third because i had agreed to pay the XXXX $ for the stop charge that never went through. The overdraft fee is keeping me in the negative and will have more overdraft fees by tomorrow morning even though i had depositied XXXX dollars cash into my account to cover the cost of my purchases. they are charging me several over draft fees for a service they said they would provide but never did. I have no control over the situation and they refuse to refund me the total amount they have basically stolen from me. I have direct deposit and can not avoid my next check being half of what it should be, which is tomorrow XX/XX/2016. They say its there policy not to refund all overdraft fees, even though it was there mistake that put me in this situation.

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 10/18/2017 about Checking or savings account (Checking account) with U.S. BANCORP (CT).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I am filing a complaint against US bank for mistakenly denying my {$200.00} bank bonus. In summer XXXX I opened a new checking account with US bank, and there was a promotion associated with new accounts at that time. You can find the details of that promotion below, U.S. Bank is offering a {$200.00} bonus when you open a new Silver Check, Gold Checking or Platinum checking account and complete the following requirements : Enter promotion code on sign up or give it to your banker ( you can request a code via e-mail or text ) Complete XXXX or more recurring direct deposits totaling at least {$500.00} OR complete XXXX or more U.S. Bank XXXX Pay transfers of {$25.00} each or more within 60 days of account opening The Fine Print Checking Package Offer A minimum deposit of {$25.00} is required to open a U.S. Bank XXXX checking account. 
To earn the {$200.00} bonus offer, open a new U.S. Bank XXXX XXXX XXXX XXXX, Gold Checking Package or Platinum Checking Package between and including XXXX XXXX, XXXX and XXXX XXXX, XXXX. 
Present your promotion code to a branch or XXXX phone banker or enter it online at account opening. 
Additionally, you must complete XXXX or more recurring direct deposits totaling at least {$500.00} OR complete XXXX or more U.S. Bank XXXX Pay transactions of {$25.00} each or more ( you are responsible to ensure sufficient funds are deposited to cover bill payments and enrollment in Online and/or Mobile banking is required ) within 60 days of account opening. 
The checking account bonus will be deposited into your new consumer checking account within 60 days of direct deposit or XXXX XXXX verification, as long as your account is open. 
Bonus will be reported as interest earned on IRS form XXXX and recipient is responsible for any applicable taxes. 
Offer may not be combined with any other checking account bonus offers. 
Offer is not valid if you have an existing U.S. Bank XXXX checking account, had a U.S. Bank XXXX checking account in the last XXXX months, or received other U.S. Bank bonus offers within the past XXXX months. 
XXXX U.S. Bank employees are not eligible. 

In XXXX I met the requirement by using the billpay service twice. But the bonus was not credited to my account. I contacted the bank about this issue, but the representative was trying to disqualify me for bonus reasons.

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 07/22/2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian credit bureau has been putting false information on my credit report for over ten years. my attorney and I worked with their XXXX XXXX in XXXX Texas who works in the special services branch to correct these problems recently I was notified that my mortgage VA refi was denied due to alleged fraudulent reporting by experian to the lender. 
these false reports included showing false hard credit inquiries where experian double counts credit applications for the same car purchase on the same date as XXXX inquires when XXXX if from the dealer and XXXX from the credit union on XXXX XXXX, 2014. 
second they show fraudulent hard credit inquiries from equifax credit bureau that is being done by other companies that i have never applied for credit and experian is doing the same thing. 
3. the show too high balances on accounts yet their same report shows my credit utilization as being less than XXXX percent.. 

4. level of deliiquency on accounts when there is no delinguency. I notified experian of my dispute with wyndham resorts and diamond resorts for timeshare loan fraud and breach of contract. these were XXXX to IRS long ago and my property was confiscated by both companies in excess of {$200000.00}. 
5. they report length of time too short yet I have had my XXXX bank credit card for 13 years and never missed a payment. experiena reports only 7 years which is totally false. 

6. credit balances to high but that is n ot true either. .this has been going on for over a decade and is violating my rights under the FCRA XXXX allegedly to keep me in the subprime mortgage mortgaeg with a substandard credit score using falsified information. 

7. maintaining credit history for decades or years that should be removed or drop off my credit file. 
8 removal of my statement placed in my file that I am a XXXX veteran from the XXXX XXXX. 
9. reinsertion of data removed years ago that has been reinserted and maintaining lender inquiries from companies I have never done business with or credit applications 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 non-monetary relief
Consumer complaint received 04/30/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (WA).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I signed up for the Target  Red Card tha t is supposed to be a debit card. They sent a credit card. This is now a new credit product on our credit bureau that I do not want. Target is able to close the card, but not to remove it off our credit bureau. They also will not take away the commission that the Target associate received for fraudulently opening the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/27/2017 about Mortgage (VA mortgage) with LoanCare, LLC (TN).
Issue: Trouble during payment process

Complaint: Re : Loancare loan # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX, XXXX XXXX XXXX I am fully up to date on my mortgage payments. I have {$2400.00} in my escrow account ( see attached statement ).

My mortgage servicing company, Loancare, failed to pay my city property taxes. 
I have been calling them multiple times, beginning in early XX/XX/XXXX, to verify my taxes have been paid. Customer service repeatedly told me they would take care of it, but as of today, XX/XX/XXXX, they have not paid them. 
I had to write a check for my city property taxes in the amount of {$830.00} and take it to the city clerk myself today. 
I should not have to pay my property taxes myself, when there is plenty of money in my escrow account. And when I repeatedly asked them to pay my city property taxes. This is fraud, as far as I 'm concerned.

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 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: After checking my credit report from all three credit bureaus ; Trans Union, XXXX and XXXX, I noticed a negative remark on my credit report from XXXX XXXX. I then immediately contacted them by phone and was praying this was some random mistake and they would correct it. I soon find out that I both times, for 2 separate accounts, I have applied for these credit cards but was never notified of even being approved for any of these credit cards. I had them immediately shut down those cards, but was told one was already closed, and to start an investigation. Then I was told I can reapply for another XXXX credit card but we will close this one account and mail you a check for the difference. 2 agents told me the same story. After waiting a week, no check nor any phone calls or emails, nothing! Someone was using 2 different XXXX credit cards in my name and making payments for them, in my name, for over a year on one card and over 2 years on another card. XXXX 's Security and Fraud department promised they would start an investigation and they will not hold me liable for any unauthorized charges pending the investigation. I waited over a week and I received no mail or contacts from no one about these accounts. Since then I have called numerous times and transferred to many different agents. There has n't been no notes in the account for over 45 days now. Nothing has been done about these 2 accounts I originally applied for but never received. Just today I spoke with a XXXX, who would not provide me their employee ID or extension, and said they will escalate this matter immediately and that someone would call me back today. No one has called me back. I 'm wondering now who are the real fraudsters here? The people who have been using my cards I 've applied for or XXXX? Yet every time I call they try and verify that this is really me, why have n't did this when someone been using my 2 credit cards? And all the payments that were being made to these accounts, who get that for free? XXXX? I will be reporting them wherever I can. They record my phone calls but no records of what they have promised me? I will now be the one telling them, this call will be recorded, just to prove a point how crooked XXXX is.

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 Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: We are in receipt of the response from XXXX dated XXXX/XXXX/15. 
Unfortunately they have not " deleted '' from my TransUnion Credit file the " Collections '' Activity INACCURATELY reported XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2015 about Consumer Loan (Vehicle loan) with LOBEL FINANCIAL CORPORATION (CA).
Issue: Problems when you are unable to pay

Complaint: I no longer owe this money to lobel they sold it to a third party .so if they sold it how can I how them.i have contected lobell and they have no info.all they tell me is it was sold to a third party what does that mean it has been on my credit report as wrong info I also notifed my credit report agencys they do n't help..

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