milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ACS Education Services (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: ACS, the student loan company is reporting my loan as past due for the months of XX/XX/XXXX and again for XX/XX/XXXX. Payments for both months were made in a manner that would ensure the payments would be made before their 2 to 3 day processing period. The payments, however, were never posted and the student loan company proceeded by reporting me and damaging my perfect credit standing. Calls to the company go unanswered and my credit disputes are never resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/XXXX i was apartment searching and i was denied for a property because they told me i had an eviction after trying to explain it was n't me i still got denied they then told me on my XXXX report it was reporting two different but similar names : also address that do not belong to me after getting my credit report i then seen in fact what was told to was true. i then contacted transunion sent proper identification drivers license, social security card to prove in fact that was not me. i was assured that it was removed. Im apartment searching again just out of curiosity i log in an what do i see again that same name and address that i thought were removed around XX/XX/XXXX. This false inaccurate information hurts me from living where i choose to live, and damages my name. i need it off my report for good this time as they promised in 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 explanation
Consumer complaint received 12/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are the inquiries that I want deleted from my credit report. Your customer service would not help and take care of the negative inquiries reporting to my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax failed to adequately protect my personal information. According to their website equifaxsecurity2017.com, I am listed as a potential victim of the Equifax information breach. I am not a customer of Equifax, but have had credit checks run on me through Equifax. In addition to failing to protect my information, Equifax failed to promptly inform me of the breach. Secondly, I should have been contacted by Equifax to inform me of the breach. Equifax should not assume that everyone follows the news. Finally, Equifax is now charging me to freeze or monitor my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I disputed the response from Equifax on my first complaint ( # XXXX ). I requested that my personal information be corrected and the formerly known as and addresses be deleted because it is crossing information on my credit report. If you review my case, you will see I submitted my request on XX/XX/2016, Equifax response, and my proof of identification. Their response did not have anything to do with my complaint, and now I am requesting another complaint against them improperly updating my personal information. Since then, I did receive another letter from them updating my legal name but still have me incorrectly formally known as and previous addresses still incorrect. I have attached the new case number and proof of them still not correcting my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Advertising and marketing

Complaint: I opened an Best Buy Citi XXXX card in XXXX XXXX, 2016 with the understanding that I had a 0 % promotional balance for 12 months. I was keeping a balance on the card because of the promotional rate and used the card to buy a computer from Best Buy. 
A few months later I used the card at a non-Best Buy store. 
I received a bill after that which charged me interest. 
I called the company wondering about why I was being charged interest and they told me it was from the non-Best Buy purchase. 
I told them that I was never told that other purchases would end up getting an interest charge. 
I paid the other purchases off with {$700.00}. which I was told more than covered the amount. I confirmed with them that I would not be charged additional interest after that because I wanted to make sure that the next bill would not have interest on it. 
I just received the new bill and they charged interest on it. When I called Best Buy Citi Visa, they told me they could not remove the interest. I escalated it, and still nothing could be done. I asked for any surveys to give feedback, and there was none. I asked to escalate further, and there was no one. I was so frustrated with the customer service, marketing, and communication that I closed the card immediately because I could not trust it. When I closed it, it was the same person, so there were no checks and balances to allow me to give feedback. I have felt very mislead about how the card is being represented and am very concerned about the internal process surrounding Best Buy Credit Services. It appears to be to purposely misleading about the interest rate conditions and fees so that we will be forced to pay the interest if we keep the card. I will not trust Best Buy and it 's partnership with Citi after this experience. I am also very weary of any Citi cards from this point on.

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 04/26/2017 about Checking or savings account (Other banking product or service) with JPMORGAN CHASE & CO. (CA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I  am one of two truste es that are trying to close accounts for the trust in a trust, funds are at Chase Ban k I am in    XXXX   and the other trustee is in   XXXX   XXXX   chase will not release the funds they said that both trustees must be in the bank at the same time in  person.I a sked if the documents can be sent   XXXX   XXXX   to be notarized and sent back to the bank so I could sign the documents chase refused they said that the other trustee must be in person so sign documents, I feel that is not right as trustees we have been signing documents on line and notarized signatures for other accounts from other  banks.The bank is in   XXXX   XXXX   on     XXXX   XXXX   manager  name  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MA).
Issue: Wrong amount charged or received

Complaint: My brother decided he was going to use PayPal to send me the rent and bill money he owed me for last month. He mistakenly checked the box for " goods & services '' when asked by the PayPal process. Once his transaction began to be processed, PayPal sent me a notice claiming that I had " {$850.00} '' coming to me in the form of an " eCheck. '' Then, after receiving a notice that the eCheck had 'cleared, ' I went to my PayPal account to find that they had deducted {$25.00} from the {$850.00} for reasons that were unclear. When I complained, they sent me their fees policies to read. When I could n't find a reason that justified the action, I replied. I have heard nothing since. After discussing the incident with my brother, we have determined that they must have deducted the money from the transaction because he checked the " goods & services '' box. What we do n't understand is, why would they deduct for this service and not the identical " Send money using your bank account for free '' service '' And, why is there not a confirmation with the receiver as to whether the transaction is indeed for " goods & services '' before abjectly penalizing the receiver for it? Also, is it not fraudulent to state to the receive via an email that they have " x '' amount of dollars coming to them, show a pending transaction under the " Activity '' section of the site that confirms the " x '' amount with a line item for " fee '' of {$0.00} underneath, but after the transaction has 'cleared ' the fee magically turns into " XXXX percent of the transaction amount? '' This is textbook grift!

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Bank account or service (Checking account) with DISCOVER BANK (NJ).
Issue: Deposits and withdrawals

Complaint: DISCOVER BANK KEEPS ASKING INFORMATION ON MY TRANSACTIONS AND THEY OFFER COMMENTARY ON THEM. MY TRANSACTIONS ARE MY BUSINESS. THEY NEED TO LEARN TO MIND THEIR OWN BUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with HUNTINGTON NATIONAL BANK, THE (OH).
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 Sunday, XX/XX/XXXX, I received a text from Huntington Bank about a possible fraudulent charge. The transaction was declined. I went online to look at pending charges and found two transactions before that had been charged to my account that were fraudulent charges. The Transaction dates were on XX/XX/XXXX and XX/XX/XXXX. I called customer service immediately. The customer service rep on the phone agreed that it was strange the charges were done on the East coast ( a place i have never been. ) They claimed they could not do anything till the transactions had hard posted. They also said they would immediately send me a new card. I was a bit on edge, because another credit card of mine had fraudulent charges a few months ago ( discover ), but the fraud charges were immediately taken off. It was a simple process that was resolved within 5 minutes of me calling. It seems Huntington Bank was going to put me through a lengthier process. They claimed this process was similar to another big bank. 

I kept being persistent and kept calling customer service. On Tuesday, XX/XX/XXXX, the transactions had finally hard posted. I called and they put me the fraud department. They said i would probably receive a provision credit within a week and that they would immediately send me paperwork to fill out. 

The current date is XX/XX/XXXX. I have checked the mail every day and have found no credit cards or fraud dispute papers. The fraudulent charges are still on my account. Everytime i call, the company seems to give me the run around and is prolonging the process. All the paperwork, replacement card, provisional credits, issues of resolve have not processsed at all. There is nothing, but silence from the part of Huntington Bank. 

the fraudulent charges ( which the customer service reps seem to acknowledge is fraud ) are posted on post date XX/XX/XXXX trans date XX/XX/XXXX Wawa XXXX XXXX XXXX , FL reference number XXXX for {$100.00} post date XX/XX/XXXX trans date XX/XX/XXXX XXXX XXXX XXXX XXXX, FL reference XXXX for {$99.00} the third fraudulent charge that was not processed matched the XXXX XXXX above. They acknowledged that was fraudulent, but refuse to do anything about the ones that have gone through.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Trouble during payment process

Complaint: These lying thieving crooks at Ocwen has crosssed the line ; but on second thought, I do n't think it is Ocwen. Ocwen 's Attorney, XXXX XXXX filed provided false information of ownership to a company called XXXX, and they broke into my home ; broke my door ; ripped up my carpet ; and tried to have my utilites transferred to their name. They told XXXX that they filed foreclosure ; aka stole the home on XX/XX/XXXX ; but the attached letter from Ocwen 's Ombudsman said that they would have a written response by XX/XX/XXXX. These guys are a joke ; that is no longer funny. We filed a Police Report ; and they are filing charges of Theft By Conversion. Ocwen 's Attorneys XXXX XXXX hope that we go to Civil Court to resolve it ; but we are NOT. That ' s just billable hours in front of a clueless Judge who is part of the problem. The Punitive Damages will come later in a Federal Court ; after the criminal issue. We are working with Law Enforcement ; both local and Federal ; and at the right time will get an Investigative Reporter involved to expose all of this mess. We are also contacting our Congressman and Attorney General. As Veterans, we are tired of hearing thank you for your service ; and continously going thru this known crime. This Company, Ocwen that has been sued AGAIN for Theft Of Homes, aka Illegal Foreclosures ; and has been banned by 25 States need to be shut down ; so If they want to thank us for our Service, then hold these crooks accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are false names, addresses, inquiries, and credit account information that are not mine and/or I do not recognize. Initially, I tried contacting the creditors to clear up inaccurate information but I was ignored. 
Adverse accounts have falsely reappeared/posted on my credit report in error. I 've already disputed these items with Experian and their response was that " that items have already been disputed and we ( Experian ) will not investigate them because we are only required to furnish information of activity that has been reported to us ( by the creditors ). '' My credit report was obtained illegally because the companies who viewed it did n't have the right to do so, therefore, inquires should n't stay on my report. Experian is required to follow up with the creditor. " If the credit bureau does n't get a response either, it has an obligation to remove the disputed inquiry. Legally, the credit bureau must respond to you within 30 days. '' I have reported these creditors to CA Dept. of Business Oversight. Experian has failed to comply with their obligatory investigation. 
I 've learned that Experian is not interested in fixing inaccuracies. If they were, they would have done something about it long ago. I 've discovered that the reason it is difficult for Experian to fix inaccuracies is because doing so is contrary to what their objectives are ; to satisfy the furnisher of the information ( creditor ). 
I am requesting Experian to investigate the inaccurate information that I 've disputed with them and I want them removed by suppression technology so that they will not falsely reappear.

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 03-02-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen continues to report to my credit bureau erroneously. In XXXX I purchased a condo on what I now know to be an XXXX purchase loan package. The condo foreclosed in XXXX XXXX. Under XXXX. XXXX XXXX, I am protected from anti-deficiency on purchase loan. After repeated efforts to clear this since XXXX, Ocwen continues to report it as owing and delinquent. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Debt collection (Medical) with CHS, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: SCA Credit Service, XXXX, Virginia, is falsely reporting to XXXX and XXXX that I owe a medical debt ( {$76.00} ) that I do not owe. I am a XXXX XXXX XXXX Veteran, and my medical care is 100 % free at the XXXX Medical Centers. SCA Credit Service is communicating to the aforementioned credit reporting bureaus that I owe XXXX XXXX this debt. SCA 's false reporting has negatively impacted my credit report, and caused my credit applications to be disapproved. Please help me correct this problem ; I have already filed grievances to the credit bureaus unsuccessfully twice.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: I recently placed a fraud alert on my credit file that indicates anyone who runs my credit needs to call me. I have pulled my credit report and noticed that there are inquiries on my report that I did not authorize nor was I notified that my credit was being pulled and this action violates my consumer rights. I have reached out to all XXXX credit bureaus numerous times about this situation to notify them that my credit was pulled without my authorization. These inquiries are fraudulent inquiries and should be removed from my report. I have not received a proper response from neither of the credit bureaus from my disputes about this matter. Only a letter stating their " definition '' of an inquiry, but no factual evidence that these were a result of my actions or that i called before the credit was being accessed. Please remove these inquiries from all XXXX of my reports. 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 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/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, 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 09/19/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My husband had retired, right after he retired, within two weeks I was let go from my job for fribious reasons. This is during at time the company I was working for was under major Law Suite for firing XXXX ( XXXX ). They have introuded my computer, my cell phones, my personal bank account. They contact anyone that is attach to my personal financial affairs. My Mortatage company and the company XXXX plan I have. 
I am writing this early. I may not be able to do this later please call me XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Debt collection (Medical) with APEX Asset Management, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: this debt was discharged from a bankruptcy and I would like apex to remove this item from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I took out a mortgage from XXXX XXXX in XXXX. I had a loan modification with XXXX XXXX in XXXX, XXXX. At that time I received a modification agreement from XXXX XXXX with dates that my interest rate would change. The documents states that all other parts of my mortgage would remain the same. I have a PMI schedule from my original loan that states that when my loan reaches a balance of {$220000.00} that my PMI payment would reduce from {$210.00} per month to {$43.00} per month. Shell point mortgage refuses to lower my PMI to this amount. When I have repeatedly requested this, they sent me a document that I have never seen, showing an effective date of XXXX that states my PMI payment is {$210.00} until XXXX when it reduces to {$43.00}. Shellpoint mortgage continues to charge me {$210.00} per month for PMI. When I requested that they credit me back the additional {$2.00} that they have charged me the entire time, they have ignored my request and have not even addressed why they are charging me more than the original amount that both my and their documents show. I feel that this is fraud. They are refusing to honor my contract.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The following are incorrect inquiries on my report. I did not authorize these. 

XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/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 explanation