milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: X/XX/2017 Customer Service - General Inquiries | Dispute Department XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir or Madam, I am writing to you today to explain an incident that occurred on my account regarding the statement dated XXXX XXXX, 2017. As noted, my payment was delinquent in excess of 60 days. In XX/XX/XXXX, I paid the account in full, but due to XXXX  inaccurate payoff amount, the account remained with an outstanding balance. Thus, I assumed my payments were being made in a satisfactory manner even though they were not. XXXX reported Late Payment delinquency to the credit bureaus, and decided that it was not their fault. We think otherwise as it is XXXX XXXX error that caused this issue.

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 05/21/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (VA).
Issue: Account opening, closing, or management

Complaint: I opened a bank account at Citi ( CitiGold checking account ) with a publicly available bonus code that would grant me a specific bonus ( XXXX Thank You Points ). As soon as I opened the account, I sent a Secure Message asking if the bonus was tied to my account, and the response from Citi was a confirmation of such. Upon completing the requirements, I then sent another Secure Message, where Citi replied stating that my bonus points would post within 3 statement periods, just as the promotion stated. I was told the points would hit my account no later than XX/XX/XXXX. XX/XX/XXXX, I reached out to Citi where I was told I would not be granted the points. This is a complete reversal of what I was told by their own personnel, which is why I felt it necessary to reach out.

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 04/24/2015 about Prepaid card (Government benefit payment card) with Blackhawk Network Holdings Inc. (TX).
Issue: Managing, opening, or closing account

Complaint: I signed up for Pay Power XXXX Visa card to get a refund of my tax return from XXXX online and upon receiving my card and calling to activate it, I discovered they had a block on my card. I correctly verified all information and was advised my XXXX XXXX Visa card would take 3-5 days to release the block. Why when I verified all information accurately? I offered to send a copy of my ID and SS card to ensure I am the person I say I am and was told it would still take 3-5 days to release my funds and I would not be able to activate my card. I received the card in the mail on XXXX/XXXX/2015 and was told the block was put on there 2 days prior while the card was still in transit. I was denied a supervisor, hung up on XXXX, and cursed at. When I attempted to go online to activate card it stated that the card number was not valid. It was never stated that there would be a block placed on the card before I even received it. I feel as though they are trying to cheat me out of my tax refund. I was told XXXX different stories by customer service and if I passed all the identity verification then why I am still being denied access to my funds? I was told that the block could be released today if I passed the identity verification. Then I was told 3-5 days. This is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
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: XXXX XXXX XXXX XXXX Installment Loan # XXXX Date Opened XX/XX/2017 This account in showing 30days late for XXXX, however it has never been late

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Credit card () with PNC Bank N.A. (FL).
Issue: Transaction issue

Complaint: I paid a company named XXXX {$5000.00} on my PNC card for services i did not receive.i was repeatedly promised that they would provide me with a website which would be profitable.i trusted them only to be left empty handed.my payments and signatures were obtained under false pretenses.they were using deceptive marketing practices which are unlawful and warrant a full refund. I previously filed this complaint and with the CFPB and was just informed that they could n't find the company. There must have been a mistake because you were able to find PNC last time I filed a complaint with you. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2015 about Credit card () with PAYPAL HOLDINGS INC. (MA).
Issue: Customer service / Customer relations

Complaint: A couple months ago, I was completing a transaction online and using my PayPal account was an option. As part of the checkout process, I was asked for my name and birth date. I thought they were updating their records. I came to learn they were issuing me a credit line for {$5000.00} through PayPal Credit, which I did not want. I was annoyed by this, but not enough to do anything. Instead, I resolved never to use it. I would opt out in favor of the credit card they had on file. XXXX day, about a month ago, as I was signing into my PayPal Account to complete another transaction, I was automatically checked out with PayPal Credit for {$15.00} and some change! I was not given the option to opt out. I paid it in full, contacted them immediately and told them that their lending practices were deceptive and predatory and that I wanted them to cancel the card. Instead, they sent me a return email, asking me to contact them to discuss the issue. I called on XXXX and cancelled the card. 
I consider myself fairly savvy and for this to happen to me means that it could happen to anyone. Basically, PayPal Credit co-opted a portion of my good name and credit without my knowing it. Now, I have to take a hit to my credit score for closing the account. 
I understand that they were fined {$25.00} XXXX in the spring for this kind of behavior. There are those who do n't think it was nearly enough! That is apparently the case, as I am living proof that the practices for which they were fined continue.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with BB&T CORPORATION (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: BB & T - constant calling harassing us about wanting fees from our son who had XXXX inactive student accounts from years ago. ( They just now came up with {$80.00} in " fees ''. ) He made the negotiated payment and yet they still call and harass us. Now started calling his cell phone while he is at work. This has got to stop. BB & T is harassing us 3 to 5 times a day over an old, inactive student account. Our XXXX year banking history with them apparently makes no difference

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (OH).
Issue: Settlement process and costs

Complaint: After issuing us an initial Closing Disclosure on XXXX/XXXX/2016, US Bank Home Mortgage increased our Cash to Close amount from {$13000.00} to {$14000.00} by issuing XXXX additional closing disclosures which increased the costs and fees that we needed to pay on the loan at close. It is importantly to note that NONE of these subsequent closing disclosures honored the required three business day review period before our closing date of XXXX XXXX. 

Their blatant disregard for the new Dodd-Frank regulations was apparent when I complained to our loan officer on the afternoon of the XXXX and then talked to his manager on the morning of the XXXX after an additional {$500.00} fee had been added the morning of the XXXX. During my call with his manager on the XXXX, I requested that they honor their original cash to close amount due to the three business day review period in the Dodd-Frank Act and they responded that if I did not provide the full cash to close amount from the second XXXX XXXX disclosure that they would not process our loan ( and thus my wife and I would be in breach of contract with the selling party ). Their deliberate coercion and bad faith in lending through the last-minute fees was obvious when I found that the final version of our closing disclosure decreased our total amount to close by {$53.00} because they had EXCEEDED the legal limit they could charge us in the previous closing disclosure. 

Also, this loan was begun long outside of their required 45-day processing period, had originally had a closing date in XXXX and the loan had left underwriting on the XXXX of XXXX. Thus, there is no defense or excuse possible for violating the three day review period requirement. Instead, it appears to have been done entirely based out of either gross negligence on the part of US Bank Home Mortgage or a calculated approach to take more money from their customers. 

Through the attached e-mails and closing disclosures, it is CLEAR that the regulations were NOT followed and left my wife and I in a situation where we had to either pay the increased amount or be in breach of contract and risk a lawsuit of close to XXXX dollars. This caused us great distress and anxiety and thus we are filing this compliant to ensure not only justice for ourselves but more importantly for all of the other people who have also fallen victim to US Bank Home Mortgage 's gross negligence and belligerence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (WA).
Issue: Managing the loan or lease

Complaint: Kia finance created XXXX accounts for my loan. I was unaware of the XXXX accounts and continued making payments under the initial account, though payments under XXXX account numbers show I have not missed a payment. They have sent me letters saying I am in default and am risking repossession. I have bank statements, as well as the combined account statements that show I have never missed a payment. I have been charged late fees, when payments have not been late. I have been unable to resolve this with Kia after months of attempts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Chexsystems provided false information on a credit report to XXXX bank who denied opening a bank account. The information concerning XXXX was part of a bankruptcy and not a charge off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I believe I am a victim of identity theft. Every year that I try to get my free annual credit report it tells me that my data does n't match even though I have been using the same social security number all of my life. Its also keeping me from getting a past XXXX from one of my jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I believe that someone stole my identity and this loan belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: To whom this may concern : Recently I received a new credit inquiry reflecting on only my Equifax report, which was not me. It seems my credit was ran on XXXX XXXX for a XXXX XXXX. ( XXXX ) account. I reached out to Equifax, XXXX XXXX and XXXX to see what 's going on and to also set up fraud alerts. I figured I would contact Equifax first, as they are the only company showing this recent inquiry. After speaking with Equifax and setting up alerts on my account, they could n't help my issue, but instructed me to contact XXXX XXXX, as they will need to send in an electronic request to remove the inquiry, as they are supposedly the ones who pulled the credit. Equifax claims that the company who initially pulled the credit profile are the only people who can remove the inquiry, by submitting an electronic request letter to Equifax. After speaking with Equifax, I then contacted XXXX XXXX to see who attempted to open an account with my social security number. Finally after being transferred around with XXXX and speaking with several XXXX reps/managers, nobody was able to find any information on me at all. They searched several different ways to try to locate something on me. Whether by name, social security #, address, etc. they still could n't find anything at all. They also told me since they ca n't find any account info on me, they would be unable to send the electronic request letter to Equifax to remove the inquiry because I am not even a customer in their profile. I said, Ok I appreciate your help I will contact Equifax again. After so many phone calls back and forth hearing the same thing over and over 10+ times, I finally gave up. I 've called Equifax numerous times and put in about 6 disputes for the same credit inquiry issue, but they keep insisting that I contact XXXX XXXX to and have them send the electronic request for removal. After speaking with XXXX again many times, they are still unable to locate any info and/or send the request because they do n't even know who I am. I am hoping to get this simple inquiry off my credit report. NOTE : I recently applied bankruptcy about 2 years ago and only had 3 total inquiries on my account since. The bankruptcy lawyer needed to run my credit, which was one inquiry. After doing bankruptcy, I was told to get a secured CC. So, I applied or a XXXX secured credit card, which I did n't get..so that was 2 inquiries already. Finally I tried again for a XXXX XXXX secured card and got it. I should only have 3 inquiries on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: On XXXX XXXX, XXXX, I received a call from Navient, the entity handling my school loan. During this conversation, I was told they made a mistake in calculating the interest and in order for them to adhere to the ending date for my loan, they need to change the monthly payment from {$790.00} to {$1700.00}. The ending date for my loan is XXXX XXXX, XXXX. There is only 7 months left remaining on my loam, which I have been paying since XXXX. The {$1700.00} payment is to begin XXXX XXXX, XXXX. I requested a copy of the promissory note/contract, justifying their actions. Initially, I was told they would not be able to locate it because it was so old. I insisted they provide a copy and I was told they would mail a copy to me in 7 to 14 days. I have not received it. I also requested they terminate the Auto Pay feature. They agreed to do so. Yesterday, I received a letter from Navient stating I will be charged additional interest because I terminated the Auto Pay. The letter did not provide any information as to the amount of additional interest. In the same envelope, another letter stated there could be other options available to repay my loan by extending the repayment period up to 10 years. I also spoke with a supervisor at Navient, who confirmed my payment will change due a mistake they made in calculating the interest. Navient gave me less than 30 days notice concerning this drastic change in my loan payment and they have not provided any documentation to support their action. Their internal appeal process takes more than 30 days and can take up to 90 days, which does not allow me sufficient time to dispute their actions before the outrageous payment of {$1700.00} is due.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (UT).
Issue: Loan servicing, payments, escrow account

Complaint: I am getting charged insurance on a VA loan that already has insurance on it.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have sent multiple letters and have made numerous phone calls regarding the collection item from XXXX XXXX XXXX XXXX. acct # : XXXX  that appears on my Equifax credit report. I have documentation from the collection agency and phone call verification stating that they have requested Equifax to remove the collection from my report as it is and has been paid in full for sometime. To this date, Equifax has not been in compliance as the collection item still appears on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (NV).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I used an ATM at the XXXX XXXX in XXXX, Nv, on XX/XX/2017 to withdraw funds from my account at Wells Fargo bank. I obtained the funds, but the next day discovered that I had been charged a " Balance Inquiry '' fee of {$2.00}. This was above the expected fees of {$2.00} from Wells Fargo for using a NON-WF ATM and the fee of {$2.00} from the casino for the money distribution. 

I believe that this additional fee is unwarranted, and just an attempt from Wells Fargo to get additional funds from its customers. I knew I had the funds in the account and did not want an " inquiry '', I just wanted my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX XXXX, I sent a registered letter ( XXXX XXXX XXXX XXXX XXXX XXXX ) to Experian Credit at XXXX XXXX XXXX, XXXX TX XXXX, enclosed with a letter was a copy of a XXXX, the registered letter was received by Experian on XX/XX/XXXX per USPS Tracking website. The letter regarded XXXX XXXX acct # XXXX, and the balance of {$1900.00}. I have disputed the validity of this account on several occasions asking for written documentation pursuant to Sec. 609 but never getting it only to say the creditor verified the information as correct. In this letter I sent a copy of a just recently received ( XX/XX/XXXX ) XXXX from XXXX XXXX ( creditor ) which showed the date of indentifiable event as XX/XX/XXXX, and an " AMOUNT OF DEBT '' as {$1500.00}, so how did this ever previously get verified? Now today on XX/XX/XXXX, after more than 30 days after my most recent letter I called Experian to find out the status of the most recent dispute, I spoke to a customer service rep by the name of XXXX ( may not be spelled correct ) of TEAM IMPACT. after a brief hold was informed she was able to locate my sent documents but they where NEVER forwarded so a " DISPUTE '' was never opened nor sent to the creditor for verification but NOW, today XX/XX/XXXX, would be sent and it could take 30 more days. I explained thats why things are sent by registered mail and the 30 days starts when received, she went on to say, she went in and corrected the balance to reflect {$1500.00}, when I explain they where in violation of the FCRA, she had nothing further to say. At that time I asked to speak with a supervisor, the CSR took my contact information and said no supervisors where available at the time, I asked when I should expect a call and she said within two ( 2 ) hours, needless to say the time came and went without a return call.

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 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: It looks like my name and credit report is mixed in with another person of the same name. I am  XXXX   years old  and have no credit history at all. On my credit reports it shows i have a credit card and that I have reported  XXXX  as a place of residence, which I have never lived. It is causing me to be denied for secured credit cards to begin building my credit because nothing is matching up correctly with the information provided.

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 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax wrongly believes a tax lien #  XXXX  from the  State  of Michigan for {$3800.00} on my credit report belongs to me when really it wa s ( w rongly, but that 's another story ) issued to my deceased grandfather.     I submitted a dispute with Equifax on  XXXX   XXXX     2017  that was essentially denied when they " verified the information ''. I had other disputes with  XXXX   XXXX  and   XXXX   that both went positively and they have removed the item.     I have a copy of the lien, a copy of both my and his license, and his social security card. I would be glad to verify any information as soon as possible.     Thank you

Company response to consumer: Closed with non-monetary relief