milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: TransUnion..this agency had many incorrect spellings of my name, XXXX extra social security number on my file, many addresses I never lived, and many derrogatories that did not belong to me. 
I placed a fraud alert on my file and began disputes. To my knowledge the above mentioned has been corrected. 
My complaint today is in the dispute processes..transunion deleted XXXX loans XXXX loans of my high credits, my truck pd off in XX/XX/2014.they also deleted all but XXXX of my positive XXXX loan reportings. They wiped out my positive reportings and high credit seemingly to keep my score below XXXX. 
The bank that originally reported my loans claim they no longer report to transunion. Because of these deletions I cant qualify for any credit, keeping my score very low. 
Im sending pictures of the accounts they deleted unwarranted.

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 08/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a revolving credit account with XXXX XXXX My payment is set up on autopay where they take it directly from my Bank Account . Once a year they for no reason stop withdrawing the payment and do not notify the consumer. They then report it as a late pay to the credit reporting agencies. XXXX is a company that extends credit to people with low credit scores. I believe they use this practice to keep your scores low so that you must purchase from them. I contacted them about the issue they refused to resolve it or let me speak to a supervisor. I also disputed it with all XXXX major reporting agencies who did nothing.

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 01-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: In XXXX 2017 I applied online for the XXXX XXXX XXXX XXXX  and was approved along with a 7 month 0%APR. I was careful not to mark any boxes for things I did not want to participate in. I received the card end of XX/XX/XXXX which I filed and not charged. I received my renewal membership from XXXX that is due for XX/XX/XXXX. I decided that I will renew online but was not able to. It turns out that the XXXX XXXX XXXX credit card was charged for the renewal (which if I did not login to try to pay renewal I would have never knew I owed that XXXX since I never charged on it).I contact XXXX Live Chat as I was having to wait 55 mins for phone support, the only response I received is that I signed up for auto renewal. I went thru everything and did not see a box to opt in or out for auto renewal. After an hour I received an phone call from XXXX  customer service which the person named XXXX said that XXXX  charges that XXXX automatically  and the only way to opt out of that is to call us and ask us to remove the credit card. I asked for him to remove this and can I receive confirmation of this which he told me he can not provide anything but will make a note on the account...To me this feels deceptive that when I signed up I was not given the option to opt in or out for auto renewal. Instead Citi Bank and XXXX  took it upon themselves to force my XXXX XXXX to be charged without me having any knowledge including not even sending me an alert or email that this is scheduled to be deducted. I never experienced this with any other credit card and hope a review on these practices by XXXX and Citi is conducted.

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 03/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion has listed wrong information in my report. 
Attached files are my id, proof

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 07-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (IN).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: On XX/XX/XXXX I received an email alert from US Bank to notify me that the USPS had initiated an address change with their company. The alert contained the following message. " If you did not initiate the action noted above or need assistance related to this Security Alert, call XXXX. US BANKS ( XXXX ). '' Since I did not initiate this action, I called US Bank at the number provided. No account numbers were included in the email. I have multiple accounts with US Bank. The CS person at US Bank gave me the ridiculous excuse that they had written a new program within the bank, and that every account holder with their bank had received the same notice. Another person said that my accounts had been compromised and sent me new credit card numbers and cards for my accounts. Another person said that the USPS is always changing the last four digits of my Zip Code, and this is probably what happened. I asked the US Bank CS person what that change was, and he said he could not give me that information. He said the bank does not always know what the address change is, but it is changed. According to the Postmaster, XXXX, at XXXX USPS ( the branch office handling my mail ), XX/XX/XXXXSince I can view all alerts issued for my accounts, I checked the alert history. An address change alert had NOT t been issued for my account. On XX/XX/XXXX I received an informed delivery email from USPS indicating that I could expect to receive a piece of first class mail from US Bank. That mail again was a notice that the USPS had notified US BANK that there was a change in my address.The first class postcard contained this message. " If you did not initiate a change with the USPS, please contact us immediately at XXXX ( XXXX ) for consumer accounts ... '' I have not moved, nor have I initiated a change of address notification with USPS. I have previously in XX/XX/XXXX been a victim of identity theft. It is very distressing to be repeatedly notified by MY BANK that USPS is changing my address, when USPS denies that they have done so. There is a piece of mail today XXXX/XXXX/XXXX that I should have received from USPS that is from US BANK. Unfortunately my mail carrier gave that mail to another resident of XXXX, IN, and I do not know who now has further information about my accounts.

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 03-02-2016 about Payday loan () with Wilson, Riley & Associates (CA).
Issue: Can't contact lender

Complaint: Obtained a XXXX from XXXX XXXX that I defaulted on due to medical illness. On XXXX/XXXX/16 I received a call from an unknown Company stating " they would be coming to my home or place of employment to serve a Court Summons. '' They also stated they were retained by the creditor for collection process. The number referenced for callback is the same number this Male ( he gave no name ) called from. I called the number and no Company info was ever given. A male answered only stating " This is XXXX ''. I stated reason for my call and after some research XXXX says " you owe {$410.00} ''. I protested and stated I was aware I owed {$300.00} and I would only pay this amount. XXXX assured me I owed {$410.00} and stated " Do you have proof that 's all you owe? ". I informed him I had spoken with XXXX XXXX and was told the amount and it was {$300.00}. XXXX said " you agreed to pay surcharges, etc and you owe {$410.00}, it 's not fair for you to not pay your bill. ". I stated I 'm not dodging payment but I 'll only pay what 's owed. XXXX then became very upset, yelling and screaming, cursing at me and threatening legal action. I went to a local XXXX XXXX store asking for help ( I still had no idea of who the company XXXX worked for was ). XXXX an employee asks XXXX what company he was with and he repliex " XXXX you need to do your XXXX job and give the XXXX phone to XXXX XXXX ''. After this he yells more obscenities and hangs up again. I then call XXXX XXXX XXXX and speak with XXXX, she then gives me Midwesterns number and they give me XXXX number. I spoke with XXXX XXXX at XXXX and he advised me to call XXXX back because that company had the loan. XXXX gave me the Company name Wilson Riley and Associates. I call back but I recorded the calls. XXXX answered and as soon as he knew it was me he berates me " I do n't respect you XXXX XXXX, etc '' ( I wanted to upload recordings but system wo n't let me ). After 4 attempts being yelled at, called names I beg XXXX XXXX to help me and take my payment. I still to date have no legal proof Wilson Riley and Associates own my debt. A payment processed for {$310.00} on XXXX/XXXX/16 from XXXX.

Company response to consumer: Untimely response
Consumer complaint received 02-07-2018 about Debt collection (Medical debt) with Grant & Weber (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/2017 i sent a dispute letter. Grant & weber did not respond and the account was only on my XXXX  credit report and is now on my XXXX credit report as well. I do not have a contract with this company. The amounts are XXXX and 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 03/31/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Credit decision / Underwriting

Complaint: I received a letter from Nationstar Moartgage LLC, my current lender on an investment property located at XXXX, XXXX XXXX, XXXX XXXX, CA. The letter from Nationastar states that I could lower my monthly payment by {$160.00} with the same terms as my existing loan, and more importantly, with no costs to me. 

Because of the lower payment, I called Nationstar and talked to a loan specialist called XXXX. Once I started talking to XXXX, then I realized this is a " bait and switch '' scheme. He told me that my current loan is very favorable and can not get me a lower payment with a new loan. He then tried to get me to sign up for a new loan, with either fees upfront or a shorter term for a lower rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I had XXXX account with XXXX and it was closed and paid for. Then another account came out the blue for {$420.00} saying it is mind with a number i have never had. I have spoke with many managers, resolution specialist, supervisor, executives back in XXXX to get this resolved and after three months they 've agreed to remove this from my account. Well now this year of XXXX i still see this account in collections in my name. And they have no information to back this up that it was suppose to be removed back in XXXX. They have updating this information on my credit report which is illegal to do. I have been talk to rudely threaten and harassed about a bogus amount that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me, some with multiple dates of inquiries. I have had a security freeze on my credit report since XX/XX/XXXX due to identity fraud and request for anyone that pulls my credit that they should contact me. I sent certified letters on XX/XX/XXXX in regards to this issue and have not heard back from Experian and XXXX . They are all dated for the year of XX/XX/XXXX and XX/XX/XXXX. I would like for the below inquiries to be deleted. '' I have explained myself about my identity being compromised and a possible email being breached several times. I even had to call to remove addresses that I 've never lived. Please remove the below unauthorized and fraudulent inquiries or send me validation that these were authorized by me. Inquiries : 1. XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 3. XXXX XXXX  XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 15. XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 04/13/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (CO).
Issue: Unauthorized transactions/trans. issues

Complaint: I have been in a continued struggle with American Express Serve regarding a charge on my account. On XXXX XXXX a charge was placed on my account for the amount of {$200.00}. I was told by the merchant on XXXX XXXX that due to an issue with their billing system as well as several issues during my stay I would not be charged. I attempted to get the charge reversed and was even told by the assistant manager that she would reverse the charge but only the XXXX could process it. I was unable to resolve the issue directly so I then filed a dispute with American Express. I received an email asking for necessary information regarding my dispute which I provided as well as contacted American Express and explained the entire issue to a representative which I believe misfiled the dispute because then it was closed on XXXX XXXX because they said they did n't receive any info. I requested the dispute to be refiled and the dispute was n't refiled until a month later. During the entire process I spoke with numerous supervisors who on each call gave me a different story on my dispute but we 're all just excusses on why I was still waiting. I was also promised a provisional credit by American Express which was not honored. I then spoke to a representative and supervisor who told me that the merchant agreed to refund the charges which have not yet been refunded. Then today I spoke to a representative who told me that was also not true and that the dispute was still in progress even through it has been over three months since the charge was originally placed on my account. I also have all conversations with American Express recorded in compliance with my local state and federal laws when the representative promised a credit as well as being told that a refund was going to be issued.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (IN).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: I have three American Express Prepaid cards and two of them were declined by American Express and I was charged {$1.00} when each card was declined. I have n't tried to use the third card yet. I have called American Express 5 times and was hung up on twice by someone who can hardly speak English. When you call the number on the back of the cards you get an automated recording that does n't provide any options to resolve the problem. You do n't get an option to speak to a human. The two people I spoke to answered two other American Express customer service numbers. Two of the three cards have values of {$50.00} each and one has a value of {$25.00}. American Express gladly takes our money, but makes no effort to all us to resolve issues. I guess keeping my {$120.00} is more profitable than the 3 % they get when I use them. I am going to file a suit in small claims if they do n't fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Credit card () with WELLS FARGO & COMPANY (NJ).
Issue: Transaction issue

Complaint: To whom it may concern, On XXXX/XXXX/2016 I setup a one time on line payment of {$300.00} to make a payment on my credit card which is a Wells Fargo card. The payment was scheduled for XXXX/XXXX/2016 with a due date of XXXX/XXXX/2016. 
I logged into my account XXXX/XXXX/2016 to confirm the transaction and noticed Well Fargo withdraw {$600.00} from my checking account. Transactions XXXX and XXXX. 
I called and spoke with XXXX XXXX and was told Wells Fargo can not do anything until the transactions post and that I should call XXXX/XXXX/2016 to receive my {$300.00}. 
I asked how did this happen to which she replied, I do n't know, but can see that I setup just XXXX {$300.00} transaction. The horror began when I called back on XXXX/XXXX/2016. 
I was told by a manager, XXXX, I believe her name to be. I was told XXXX transaction will be reversed, but will have to wait up to10 business days for my funds to be returned to my XXXX bank account. Without any doubt in my mind had the bank inadvertently given me {$300.00} the funds would have been immediately withdrawn from my account that day. 
I explained I need the money to pay electric, water, phone, insurances bills etc. etc. XXXX reply was there is NO other option she could afford me and that I have to wait. That alone is atrocious. Being a husband and father of XXXX children, the cash was truly needed. With today 's technology I 'm sure the money could have been returned immediately. Or perhaps all banks work in this fashion, I do n't know. 
Essentially, Wells Fargo, in my opinion stole {$300.00} from my banking account without my permission, have no reasonable explanation as to how it happen and I have no option but to wait up to 10 days for my money. 
I placed my trust in Wells Fargo and was deceived as they basically turned around and as I feel stole from my account and forced XXXX option down my throat, wait for your money. 
Wells Fargo blatantly took my {$300.00} from my account and I 'm forced to wait up to ten days for Wells Fargo to return my money. I guess you can call it a small loan. If Wells Fargo did this to XXXX people over a ten day span which is easy to do, for I 'm proof of that, that would amount to a small loan of {>= $1,000,000}. Imagine what you could do with that amount of money of a 10 day period. 
I believe this practice is unscrupulous and turns innocent people such as myself into victims. 
Under no circumstances should this have ever happened and to hear Wells Fargo explain they have no reasonable explanation is absurd. 
I 'm writing this letter asking the banking committee to investigate this matter and put an end to this ridiculous practice.

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 03-04-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I had numerous issues with Navient ( XXXX ) from the start. From endless fees, to obnoxious harassing phone calls, extremely high interest rates, the list goes on and on. The representatives at Navient are disorganized and super hard to deal/work with. They are an extremely corrupt company! I always have problems with them making mistakes on my loan payments. They tried to withdraw even more money from my bank account that I had authorized and put my account in the negative. So many problems with Navient!

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I could n't get past the page that required me to present with accurate answers to questions regarding transaction information on my ssn in the last 4 years that I was populating accurate information for but ended up getting blocked out from retrieving the credit report on freecredit reporting website. I was trying to retrieve information from all XXXX credit reporting sites but equifax popped up questions that eventually blocked me out. I then tried retrieving specifically credit report from XXXX but that returned a message indicating my free credit report for the year was already retrieved from them. I have n't done this. Can you look into both - I want a credit report from all XXXX firms. Also if its any help, I am already a victim of aggravated fraud, hate crime, trade secret misappropriation and copyright infringements. Please help.

Company response to consumer: Closed with explanation