milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax lost my information in their breach. In response I had to immediately put a freeze on all the credit reporting sites, which cost over {$30.00}, not counting the massive potential for use of my PII in financial or other matters and the time and effort it would take to resolve such issues.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Debt collection (I do not know) with WELLS FARGO & COMPANY (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Wells Fargo has been harassing me for the last 10 years about one of their customers who used to have my phone #. I 've researched their customer and given the WF agents a plethora of info every time they have called me and asked that my # be removed from their database. 
Each time ( 1 call a week for the last 10 years ) the agent says they remove my # but they dont because they keep calling. This is unacceptable behavior

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 04/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Not my account

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I pulled all XXXX of my credit reports and My first mortgage with XXXX acct ending in XXXX is listed as well as my XXXX mortgage with XXXX XXXX XXXX Bank acct XXXX as being charged off on my Bankruptcy case # XXXX NVA dated XXXX 2009. I have never had any mortgage on my bankruptcy. I have contacted all XXXX and they have not removed this false information my mortgages are current and in good standing

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I sent in Information to Dispute 2 creditors listed below : XXXX acct # XXXX XXXX acct # XXXX And did n't receive any information nor documentation that the Items were verified, but a letter from Transunion stating that the creditors will remain ion my report. I sent the same letter to XXXX and these Items were removed from my report. attached is a copy of my 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 06/22/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Attempting to dispute issue with Equifax credit reporting company but have been unable to process. 
This account was Legally paid in full for less than the full balance several years ago through XXXX XXXX. 
On XXXX/XXXX/16 I submitted a consumer credit complaint but the issue was only corrected with the XXXX Credit Reporting Agency still showing on my Equifax & XXXX Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Consumer Loan (Vehicle loan) with DriveTime (FL).
Issue: Managing the loan or lease

Complaint: I purchased and financed a car from Drivetime in XXXX Fl in 2013. They have not honored their agreement to report this financed purchase to the XXXX main credit bureaus. I have made repeat calls on this issue for over one year and it still has not been resolved. I have them deduct my loan payment directly from my checking account but they still feel the need to send me payment reminders to pay my loan every month. I get a different answer every time I call with a different promise to resolve the problem. I saw the legal action you have taken against them so I thought you might be able to assist me in this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XXXX XXXX XXXX, I received an alert from my Chase Banking App saying I had a low balance alert. Upon reviewing the transaction history on my phone, I discovered an unauthorized transaction was made to empty out almost every thing from my account and was withdrawn from an ATM less than 5 miles away from my house. This withdrawal occurred at XXXX XXXX. However, during this time I was not in the city where the transaction took place and actually have receipts showing that I was in another city all night camping out for a release of an electronic. During this time, I made a transaction on my XXXX Card at XXXX PST. After, discovering about the unauthorized charge, I called Chase immediately and requested for the card to be cancelled and filed a claim for fraud. After almost 3 weeks of review, with no word from Chase, they  decided to reverse my claim causing my checking account to be overdrawn on XXXX XXXX XXXX. I spoke with 2 representatives over the phone, they both told me since the transaction had been made with my PIN, the charge was authorized, and they could not help me further with my case. As a response, I visited the Chase branch that the money was withdrawn from, requesting for a copy of the receipt for the unauthorized transaction and if it was possible to review the security footage of the transaction taking place. They were only able to get the receipt for the transaction, and was told surveillance footage can not be reviewed without a subpoena or by a peace officer. I was then told again that I would have to resolve my case through outside means. I have since filed a police report for the fraudulent charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NISSAN MOTOR ACCEPTANCE CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is not a duplicate complaint ; the issue from February was NEVER corrected and still shows as derogatory on my credit thus impacting my credit score, caused me to get an increase of APR % on two credit cards, and delayed purchase of a home. THIS HAS BEEN over 60 days with NO result. I allowed plenty of time to correct my CBR!! This has to be resolved IMMEDIATELY and I want a copy of the correction!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: based on information and belief this is not my debt. I never received any notice of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (OH).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I have an ongoing dispute with Suntrust Bank regarding unauthorized use of my debit card. Im waiting for $ XXXX+ to be returned to me that was stolen. I filed the initial claim over 3 weeks ago. Still waiting for credit. I received a letter from them today that theyre closing my account. So, they claim to have a zero liability policy. However, if you actually need to file a claim, their zero liability policy seems to disappear. AND they close your account on top of that. Thats some way to treat a customer. Or ex-customer as it is. Now, at this point, I really couldnt care less that they closed my account. The way Ive been treated I would have done it myself. I just want my stolen funds returned to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I am in receipt of a letter from XXXX XXXX related to my previous CPFB complaint. 

I am not satisfied for two reasons : 1. As of XXXX XXXX, 2017 XXXX PST, The account has not been brought to XXXX  as described in the letter sent to me on XXXX XXXX, 2017 via the CPFB. I called into and spoke to XXXX # XXXX in the Account Protection area to compel XXXX to reverse the charge. 

2. The response did not indicate how an account closed for fraud protection was allowed to incur a charge after the account was closed by the bank. The explanation that " XXXX allowed, not us '' is insufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (Credit card debt) with DISCOVER BANK (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: A Certified letter was sent and received by the company on   XXXX   XXXX   The letter stated that I had complaints about the reporting of some items on my report. I also have a record of them calling before  XXXX . They never responded back to my letter on time and also failed to mark my report as disputed on time. They have violated the FDCPA and FCRA. Looks like up to {$3000.00} in violations.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: I had a auto loan with Santander USA. I paid the balance of the loan in full in 2013 and received the car title, however Santander repeatedly calls " in an attempt to collect a debt ''. I have explained at least XXXX times that my loan is paid in full and keep asking to be removed from their call list. I am told each time that I would be removed, just to find that they continue to call. The latest call was received this evening.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (LA).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen stalled our modification in many, many ways over a span of 8 months leading to them building up ridiculous fees on their behalf. Stalling tactics included : lack of instructions for filling out their paperwork, lack of instruction by phone for their paperwork, when asked several times, the changing of case representatives to make it more of a hassle when you talk to someone, dragging their feet after paperwork is turned in ( months ) just to then be informed there 's an error. The list goes on!

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On several occasions, I mailed letters to all XXXX credit bureaus. 

XXXX I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

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 I also forwarded a letter from the creditor for XXXX XXXX bank about alleged late payments. They were unable to verify my late payments and forwarded me letters to send out to each bureau, they refused to update the account. 

Address XXXX XXXX XXXX XXXX, XXXX NY XXXX IS NOT MY ADDRESS Address XXXX XXXX XXXX XXXX NC IS NOT MY ADDRESS XXXX I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

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 I also forwarded a letter from the creditor for XXXX about alleged late payments. They were UNABLE TO VERIFY my late payments and forwarded me letters to send out to each bureau, they refused to update the account Address XXXX XXXX XXXX XXXX, XXXX NY XXXX IS NOT MY ADDRESS Address XXXX XXXX XXXX XXXX NC IS NOT MY ADDRESS Transunion I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

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 ( they submitted a letter of removal to the credit bureau and they still have n't removed this ) XXXX XXXX XXXX : XXXX/XXXX/XXXX XXXX XXXX : XXXX/XXXX/XXXX I also forwarded a letter from the creditor for XXXX about alleged late payments. They were UNABLE TO VERIFY my late payments and forwarded me letters to send out to each bureau, they refused to update the account Address XXXX XXXX XXXX XXXX, XXXX NY XXXX IS NOT MY ADDRESS Address XXXX XXXX XXXX XXXX NC IS NOT MY ADDRESS Due to the delay of the credit bureaus response, I have been forced to freeze my accounts until this matter is taken care of. 

I am an XXXX XXXX Service Member Currently XXXX to XXXX since XXXX XXXX. I had my power of attorney take care of the credit matters and they have n't gotten any response. It is appalling that serious matters like this are dealt with no sense of urgency and nonchalantly. Please contact me at the earliest convenience to deal with this matter. 

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 non-monetary relief
Consumer complaint received 06-07-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (PA).
Issue: Using a debit or ATM card

Complaint: I am an account holder at TD Bank. I requested a withdrawal from my brokerage account XXXX to be credited to my debit card at TD Bank. I spoke to a customer service representative at XXXX, and I was shown evidence that the withdrawal and instantaneous deposit to my checking account was completed. I went to the TD Bank branch office on XXXX and XXXX Streets and they told me they have nothing in pending transactions or otherwise to reflect that fact. Also, I write to complain about TD Bank 's policy of not abiding by XXXX standards in accounting which specify First-In, First-Out accounting or First-In Last-Out accounting, but rather by the " size of the transaction, '' in overdraft protection. This practice is unacceptable because the balances on ATM receipts do not reflect the balance by their method and the result is a charge of {$35.00} every time the consumer withdraws from the account. For example, an ATM receipt may reflect a {$20.00} balance, and the consumer may withdraw {$10.00} based on that statement only to XXXX that TD Bank 's " records '' do not match their statement and the consumer is defrauded out of {$35.00} each time a withdrawal down to {$0.00} occurs. I will attach proof of my withdrawal from XXXX and instantaneous credit to my TD Bank debit card as well as proof of such fraudulent charges as associated with overdraft protection, known as " Debit Card Advance ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: My account at Union Bank of California is XXXX. This is a business checking account. I have a mastercard cash card. On XX/XX/XXXX a charge of {$2200.00} was run on the charge via mastercard to " XXXX '', which is a division of XXXX. I did not make this charge, and immediately disputed it. I went to the office of the bank several times and discussed this with them and filed a complain in writing. I spoke with XXXX XXXX, XXXX. A month has passed now. So far all I have gotten from them is excuses, but there appears to be no plan to ever return my money. 

Once they realize that a charge is fraud they should return the money right away. There is no question that this charge is fraud. I did n't buy anything from XXXX. 

When I go to a bank and make a deposit it is to keep the money safe. It is their responsibility to keep it safe. Union bank seems to feel no obligation to me, as a depositor, to keep my money safe. I am very unhappy. If they do n't want to protect my money they should not be in the banking business.

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 06-06-2016 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Application, originator, mortgage broker

Complaint: I 've had the worst customer experience in completing a refinance on my home from CapitalOne, TWICE. The first time around the loan officer completely dropped the ball and did not answer any of the questions related to my loan and as a result it was closed. No one ever contacted me to inform me that the process had been terminated and I only found out when I called to get a status update. After complaining and escalating the issue to a manager, I was assured that I would be placed with a more " seasoned '' mortgage consultant who would ensure that all my concerns were addressed and help me to close on my loan. I was required to reapply again and the process went smoothly until my new loan officer failed to return every single phone call and email I made to request a status update on my loan. At this present moment I have no idea what is going on with the process and both the loan officer, her assistant and manager are unable to be contacted! The customer service at Capital One is awful! Its ridiculous that after I 've shared tons of private and financial information I can not get even XXXX response!!

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Debt Recovery Solutions, LLC (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XX/XX/XXXX I discovered XXXX XXXX XXXX XXXX XXXX for {$660.00} and {$690.00} had been re-inserted into my credit file. They are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. This has been open for a few years now after they took me by ambulance after a car accident and I have tried telling them numerous times that I had health insurance. I have never been billed for that hospital stay or 2 ambulance rides I 've had since then. Because I HAVE health insurance, I HAD it then too. This keeps dropping my credit as they reinsert it without notification or answers. My car accident was i believe in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PNC Bank N.A. (NJ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I made a big mistake taking out a  PNC CashBuilder  card ( which is anything but cashbuilding ) a few years ago. This card has caused me nothing but grief charging a Cash Advance fee of 22.74 % plus a purchase APR of 18.74 %. I do n't even know where the Cash Advance came in to the picture. I never used a Cash Advance. I contacted a rep and he told me I was only making the minimum payment of {$210.00} per month, which is also incorrect. Actually, the bank has been taking out {$280.00}. automatically pe r month out of my account for a few years now and when I told him to look it up, he could n't understand it either. He told me to remedy this I should pay {$3000.00}, which I am afraid to do. I really need help with this.

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This acct is closed/charged off satute of limitations has ended!!!! Iam no longer responsible for this account!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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: I wrote to Equifax vi a USPS Priority ma il with a delivery date of  XXXX / XXXX / 2017 . In that letter I asked them to verify under the  FCR Act, section 609 ( a ) ( 1 ) ( A )  an unverified item on my credit report which was   XXXX   XXXX    XXXX  and   XXXX     XXXX    XXXX   XXXX  . On  XXXX / XXXX / 2017  Equifax came to the conclusion that the items were mine without sending me any physical verification that the debt was mine. In my letter I specifically asked them to verify by sending me physical verification of the original signed consumer contract with my signature on it because anyone paying for their reporting services could fax, mail or email in a fraudulent account, because by law (  FCR Act, section 609 ( a ) ( 1 ) ( A ) ) if i ask  they are suppose to comply. I never recieved any proof that the debt was mine only a copy of their completed investigation which did not include any physical proof.

Company response to consumer: Closed with explanation