milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-04-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a judgment in a court of law in my favor against XXXX XXXX. Equifax and XXXX XXXX claim that this is still my debt although a judge has declared that it is not. The " investigation '' that equifax performed is inadequate and XXXX XXXX is not complying with the findings of the court. This case can be found online at the website for XXXX County Illinois. I do not understand how a bank and a credit bureau can defy a court judgment

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX, XXXX On the XXXX of XXXX XXXX all of my inquiries were removed and were put back on my report the XXXX of XXXX XXXX. 
Equifax is required by law to inform me within 5 days of reinsertion that they are adding anything to my report and since Equifax failed to notify me, they have broken the law. 
Equifax has violated my rights under the FCRA Section 611 laws! I have called several times and representatives were belligerent and unknowable. 
I have proof of the removal and reinsertion from XXXX XXXX, Equifax Total, and various credit card online reports. May I remind you that it merely costs {$30.00} to file lawsuit against Equifax, and that to avoid having to do that, I am simply requesting a removal of all inquiries and derogatory account that was removed/deleted and reinserted without notification. 

Delete account : 1 ) XXXX XXXX XXXX Delete Inquiries : 1 ) XXXX XXXX ( XXXX XXXX, XXXX ) 2 ) XXXX Bank XXXX ( XXXX XXXX, XXXX ) XXXX ) Credco/Quicken ( XXXX XXXX, XXXX XXXX 4 ) XXXX XXXX , XXXX ( XXXX XXXX, XXXX ) 5 ) XXXX ( XXXX XXXX, XXXX XXXX 6 ) XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX 7 ) XXXX XXXX Bank XXXX ( XXXX XXXX, XXXX ) XXXX ) XXXX ( XXXX XXXX, XXXX ) 9 ) XXXX ( XXXX XXXX, XXXX ) I can see very clearly that they were deleted and reinserted which dropped my score dramatically. It was a mishap in Equifax 's system and while unfortunate, this was not due to anything in my control yet I am being penalized for it with a negative effect on my score. 
I do n't care about XXXX party credit monitoring services, about glitches or any of that. I do know my rights and I know that per FCRA Section 611, you broke the law. 

Please send me a written confirmation that you have complied with my requests. 

Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: A state tax lien was placed on my credit reports for all 3 CRAs. The Lien does not meet the new reporting guidelines ( does not contain SSN or birthdate ) So I would like it removed from XXXX, Experian and XXXX. I am in the process of filing amended returns on all of these as the original return was calculated incorrectly.

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 07-12-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: Hello, I opened a CitiGold checking account with Citibank on XXXX XXXX in response to a promotional offer rewarding XXXX XXXX XXXX miles when fulfilling some basic requirements ( {$1000.00} in purchases and 2 bill pays ). I contacted citibank via secure message and they confirmed that I fulfilled these requirements in XX/XX/XXXX and that I would have to wait 90 days to receive my bonus. 

After waiting and occasional checkins I was told to wait and be patient. After contacting them for an update I was told on XX/XX/XXXX that I would not be receiving the bonus because I was no eligible. Obviously I felt misled so they opened and investigation and promised an answer in a couple of weeks, but over a month later I still have n't heard anything. They still continue to charge me monthly service fees on the account ( {$30.00} ) while not holding up their end of the deal. I feel cheated and used as I had to open up a Citibank XXXX XXXX credit card to receive this bonus .... Any advice you could give in regards to my situation would be greatly appreciated. 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On  XXXX   XXXX  I dispute d 2 common wealth accounts that was listed on my Experian report In which one account was rem oved but the other remained. I send the validation letter with a return receipt to make sure it was received. I have no knowledge or record of the common wealth account being reported on my report. I have disputed this unknown medical account with the reporting collection agent and havd no valid response. I requested for physical proof of verification to this alleged account that is being reported on 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 non-monetary relief
Consumer complaint received 01/28/2017 about Debt collection (Credit card) with TD BANK US HOLDING COMPANY (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I called XXXX & XXXX and was told the account reporting on my credit file does not match my address or my identifying information yet Target/TD is still reporting on my credit file. My address : XXXX XXXX XXXX XXXX KS XXXX. I 've been a victim of identity theft many years ago and I have submitted yet another police report.

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. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted XXXX XXXX on XXXX/XXXX/XXXX and asked them why they accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my TransUnion credit file without my authorization, I did not get any help from them.

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 05-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX sold my mortgage loan to SLS ( Specialized Loan Servicing ). My payment amount keeps increasing. They say it is because I have an ARM loan and there was a deficit in my escrow account of {$910.00}. Originally, it was {$1800.00} back in XX/XX/2015. I was told they would divide this amount by 12 months and that would be added on to my original payment ( the last payment was {$1200.00} ) which would be {$82.00}. I have paid this since XX/XX/XXXX and now I receive a letter that says I still owe the original {$910.00} from XX/XX/XXXX and NOT pay this on the monthly payment!!! 
This can not be because of the ARM interest going up every month. Not that much. 
I have only received 2 late payment coupons but not received a payment invoice, coupon, etc. from them yet, I have called asking for one since the inception of the loan. I just send a check to an address in Colorado. 
I am XXXX years old and my social security does n't even cover the original amount of the payment let alone all the increases. My credit is bad so I can not go get another loan but have always made my mortgage payments on time for XXXX years except to these people because I send the wrong amount not knowing what the right one is. 
Please help me. I do not know what to do.

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 03/25/2017 about Credit reporting () with BYL Collection Services (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This account does not belong to me. I reside in California and it stating this account was for gas services in XXXX XXXX Nevada. I disputed this with XXXX and XXXX and it was only updated and I was not provided with any information on how this debt was validated. I want this investigated and removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (MI).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I am a member of PNC Bank and on XXXX XXXX, XXXX I noticed that there was a {$7.00} fee classified as a calculated service charge on XXXX/XXXX/XXXX. I called customer service and was surprised to find out that my account terms that I had opened XXXX/XXXX/XXXX had changed XXXX/XXXX/XXXX. The bank only notified me of the change by inserting the change on XXXX XXXX, XXXX online statement that I had overlooked. There was no notification that the terms that I had agreed to had changed by mail, branch, email, or phone. No separate notification or message through the online banking system. I feel that they should have tried more or sent out notifications or text message. I was charged the {$7.00} fee 4 separate times out of 6 months. The bank agreed to waive the fee twice. So I am out a total of {$14.00} plus the time to call them to straighten it out and file this complaint online.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/22/2016 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Problems caused by my funds being low

Complaint: Capital One Direct Banking claims they never received a deposit of {$170.00} money order by mail which was sent a week again and I did another moneyorder for {$170.00} priority mail, now they are returning my items but they are affecting my credit. The post office advised it was received but the bank now claims they do not have it. I need to be able to pay my bills but according to the the person I speak today advised no deposits since XX/XX/XXXX but I received a direct deposit to the account on XXXX/XXXX/16, I do not believe, I have been a customer for 10 years but they are causing my credit rating with the return items. The money orders have not been cashed yet but that does not mean they did not receive them. I want all return checks fees plus my {$340.00} credited to my account otherwise I file fraud charges against them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Debt collection (Other debt) with We Collect Inc (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I sublet an apartment in XXXX Oregon. I paid a deposit. I paid my rent.The job that I was in town for ended.I gave my notice to the landlord which was 30 days. The cash deposit that I paid to the landlord covered the remaining month. Fine. I have had negative reports to my credit.A company called the Atlas Financial is harassing me daily. This matter gets resolved then a month later another debt collection company springs up like mushrooms after a rain storm. I am really tired of being harassed. 

This is for an apartment that I lived in for a month and paid 3 months rent on. 

To make matters worse, the company that I rented from no longer owns the building. It seems to be owned by someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Closing on a mortgage

Complaint: XX/XX/XXXX closing. XXXX mortgage amount .The process started several months before date of closing. we were told that our FHA mortgage would have to have PMI and after 5 yrs or 20 % equity, the pmi would fall off. Apparently the rules changed on XX/XX/XXXX that year and we are locked in to paying for the life of the loan. I feel that we were misled and coaxed into signing for the pmi with the impression it would fall off. I also feel since our loan process started long before the change we should be held to the original parameters of the pre- XX/XX/XXXX fha guidelines. 

This probleme came evident when discussing whether to refinance or not because we were coming up on 5 years/20 % equity.

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 01/19/2018 about Debt collection (I do not know) with United Collection Service, Inc (FL) (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ATTENTION DISPUTE DEPARTMENT UNITED COLLECTION SERVICE, INC Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious UNITED COLLECTION SERVICE, INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX XX/XX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Dear Sir/Madam : Loan # XXXX I am asking for your assistance with resolving multiple issues with M & T Bank. The attached letter to M & T bank lists the issues that remain unresolved despite several attempts to resolve them with M & T bank and XXXX Mortgage services who is the mortgage service company. 

The loan defaulted and foreclosure proceedings was stopped when a modification agreement was offered by XXXX and was accepted and successfully completed. Now M & T Bank is not honoring the modification agreement monthly payment amount. M & T has suddenly increased the monthly payments from {$3100.00} to {$5200.00}. Also, I believe that M & T bank is not deducting the legal and other fees discharged in my bankruptcy discharge obtained on XX/XX/2015. 

Your assistance will be greatly appreciated in resolving these issues with M & T Bank and hence saving my home.

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 03/29/2017 about Credit card () with U.S. BANCORP (NC).
Issue: Closing/Cancelling account

Complaint: After my husband was tragically killed, I canceled our XXXX credit card issued by U.S. Bank, submitting the required death certificate. When I sold a car some months later, XXXX XXXX sent a partial premium refund of XXXX to the last card used, which was this credit card. Even though the account had been closed, US Bank accepted the refund! Now they are requiring me to jump though hoops and submit testamentary letters to get the refund, which they promise within 90 days. I am moving in two months, and the post office will not forward mail from my XXXX XXXX because it is part of a larger entity and considered a business address. because I have no control over when US Bank will send this check, I have no assurance of receiving it after I move to California. 
1 ) Credit card company should be prohibited from allowing any activity on an account that has been closed! 
2 ) On active accounts, they should be required to pay interest at the same interest rate they are charging that particular customer on any credit balance in their possession, with an additional late fee of {$35.00} if the refund check has not been mailed in 60-days. 
I am sick of their predatory practices.

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 05-07-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NC).
Issue: Problems caused by my funds being low

Complaint: I depositid a cheque at a Wells Fargo branch, I was told then that they needed to verify the check before dispersing funds. A few days later i saw funds in my account. I had some debts im trying to clear so i clear it. A day later i tried to use my card to do business i was told my card was declined. I called the bank customer care and they told me that my card was declined because something was wrong with the check. I as why was i informed of this and i didnt get an answer. A few days later i was told that i needed to pay back the money that was taken from the account, I ask why was the cheque verified if there was a problem they told me that was my responsibility. So they told me there was a scam going on like that so it seems as if i was scammed. I asked then if you guys knew this why didnt you verify the cheque properly, based on the fact that it was a large sum on the cheque, i didnt have no moneyin the account and my account was only a month old. I was told that the fund shouldnt have been dispersed base don those stated reasons. I was told by a banker that he would look into the situation and get back to me. It has been 2 weeks and i havent heard from him. Recently recieved a call from collections that i need to make payments because my account was in over draft. Now i have been asking questions and no one answered and no clarification, I also know if the bank had did there job i wouldnt have been in this situation and they dont want to take no responsibility. All i have gotten from them was a disrespectful customer care agent, poor service and collections streesing me and i aint working. So i was told by a legal aid lawyer to report the situation to the commisioners of banck and that site directed me here so im making a compaint hope to hear from you soon

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 04/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have attempted several times to get my credit report from transunion. I sent in proper id and still am unable to receive my report from them. This is affecting me in obtaining credit.

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 12/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Note : Grandpa'sspacebarisbroke.Facts : XXXX, XXXX @ CALSTATfor $ 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 monetary relief