milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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 previously had an auto loan through XXXX XXXX opened in XXXX. In XXXX of XXXX I was in an automobile accident, the other driver was at fault, she was cited for running the red light and speeding. Her insurance company paid over {$8000.00} off on the car because it was a total loss. I had purchased GAP insurance with the vehicle and the cost of that product was built into my loan agreement, original dealership was XXXX XXXX XXXX of XXXX, GA. After her insurance company paid, that left me with a lingering balance of about {$1300.00}, which the gap insurance I paid for was supposed to cover. The account was then to be paid in full and closed. Instead, they opted NOT to apply my gap insurance, an NOT to reimburse me for paying for a feature they would not allow me to use. The account is still open, and accumulating more fees since XXXX. The current amount they have me owing now is {$2100.00}. This has been adversely affecting my credit with all three agencies.

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 01-07-2016 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: Scottrade a very 'discount ' ( emphasis added - you get what you pay for ) brokerage house and data sieve has provided me with some of my worst banking and employment stories. 

For starters, in XXXX, XXXX, and XXXX, Scottrade was victim of numerous repeated cyberattacks. The cyberattacks, which compromised Social Security numbers, security questions, bank details, and personal information was disclosed by Scottrade two years after it was internally reported as a problem. In fact, Scottrade only acknowledge the hack because the FBI make the hack public and Scottrade did not want to be seen as hiding information. 

In all regards, Scottrade was negligent in failing to exercise reasonable security precautions and failing to comply with industry standards for storing confidential and private personal information. 

Scottrade 's actions and/or omissions occurred despite prior warnings, including prior incursions of their network by third parties, who conducted fraudulent stock trades using Scottrade 's customers ' accounts, and even fines from government agencies concerning its system 's security procedures and oversight. - All of this and Scottrade still refused to fix their security systems. 

If Scottrade had heeded warnings and taken necessary precautions, it could have prevented the breach or at least predicted it much sooner and reduced the harm to its customers. 

If there is anything to take from this, it is that Scottrade 's operates a very " discount '' brokerage and omits basic tenants of good faith, cybersecurity, and basic customer service. In fact, in appears Scottrade 's only concern in this matter was how to bury the situation with the least amount of money burnt. And this goes to the heart of the issue. In XXXX and XXXX, when Scottrade was informed by employees and security experts of their cybersecurity failures, Socttrade chose not to fix those vulnerabilities and instead chose to pay large bonuses to its executive and managers. 

It truly is no wonder this business is continuing to see double digit percentage declines in customer satisfaction and retention.

Company response to consumer: Closed
Consumer complaint received 10-10-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: We went to www.equifax.com to order a personal credit report product that supposed to provide XXXX credit reports from Equifax XXXX along with XXXX credit scores for XXXX fee of {$39.00}. After we set up personal information and provided our XXXX debit card number, we were charged the amount of {$39.00} immediately XXXX we verified this when we signed in to check our balance in our checking account ), this amount was immediately debited from our checking account available funds, however, the product was never delivered because of a post identification verification process. The system communicated that we had to call to be verified thru the telephone. My complaint on Equifax is that the company site is set up to withdrawal money from a person 's checking account/debit card XXXX what ever form of payment is provided by the customer ) with out delivering the product. Equifax needs to ask the computer generated identity verification questions first, for some reason, if the consumer fails to answer the verification questions, then Equifax should not immediately charge the consumer for a product that will not be delivered. When we followed the instructions to contact Equifax to be verified by phone, the first representative was rude and she hung up on us. We had to call back and speak to a different representative who communicated that the charge was in process of being reversed but it will take 24-48 hours XXXX business days of course, all this happened on a XXXX so we will not get our money until 4-5 days later ), however, again, this should not have happened. Equifax has had a negative financial impact on our funds. Lastly, the second representative had the nerve to try and sell us another Equifax product that cost XXXX and she guaranteed that it will be delivered ... .This is astronomical and comical that she had the nerve to try and get another payment from us before Equifax had reversed the first XXXX. Equifax , we are consumers that do not have a lot of money, please fix your website so that consumers are not charged for a product that will not be delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: I was targeted for an offer for XXXX AA miles if I open a new citi gold account and pay XXXX bills as well as use the debit card for at least {$1000.00}. I completed the requirements and CITI confirmed that I met all the requirement and would be receiving my miles within 90 days. The 90 days passed in XXXX. I have submitted several requests to CITI for my miles and have yet to receive 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 non-monetary relief
Consumer complaint received 03/13/2018 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (HI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My mortgage was with a company called XXXX XXXX XXXX XXXXXXXX. On XX/XX/XXXX my mortgage was transferred to Freedom Mortgage. Sometime in XXXX Freedom Mortgage informed me that I now needed to buy hurricane insurance, which was not required before. I called them and they convinced me that I had no choice in the matter. I immediately called my insurance agent and she immediately added the required hurricane insurance. Today I received a letter dated XX/XX/XXXX telling me that they received the updated wind coverage, but they are going to charge me for wind coverage from XX/XX/XXXX to XXXX/XXXX/XXXX if I don't buy or prove coverage for that time frame. It is now XX/XX/XXXX. I should not have to pay for coverage for a time that has already passed. Nobody needs coverage for the past. They are going to charge me almost {$150.00} for something that can never be used. This is not right. They have already caused me an additional {$1000.00} a year and now they are just trying to rip me off. Please help! 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 explanation
Consumer complaint received 04/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion has refused to delete incorrect hard inquiries to my credit report after a glitch within their system. I have called and filed disputes. Inquiries : 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 12/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (MN).
Issue: Loan modification,collection,foreclosure

Complaint: Statement from our Listing Agent : XXXX XXXX, The XXXX XXXX XXXX. We initiated a short sale XX/XX/2015 with US BANK. At no time were we informed by US Bank that a sheriff sale was in the process of being scheduled for end of XXXX XXXX. Owners were served a sheriff sale notice XX/XX/2015. A complete file, which includes all required and requested documentation, including an appraisal ( ordered and completed by US Bank ) was confirmed as being received with file being moved to processing on XX/XX/2015. This is after numerous times where documents were sent and confirmed as received by US Bank and later re-requested. On XX/XX/2015 I sent an email and was able to reach our assigned contact manager XXXX XXXX. She did not give me a reason as to why the sheriff sale could not be postponed, she did say she would check with her supervisor on getting file accelerated which should allow us to proceed with short sale in the event we are not able to close prior too. She went onto say she was n't sure if the file would qualify for acceleration which I found perplexing due to this new imposed timeframe and the file status being complete. She also said she had no updates from processing department and no additional documentation was required at this time. I confirmed that we continue to a cash buyer as well as a back up buyer in place ( purchase agreement provided as part of file ). On XX/XX/XXXX, XXXX called ( potentially an auto dial or required scheduled call ), it appeared she needed to familiarize herself with the file and had no updates for me aside from that she felt a short sale would n't get done in time? I asked her if file had been accelerated and she said no and furthermore we had also not been assigned a processor or negotiator. This is week 4 that nothing has happened on file since confirmation of complete package was received, except for US Bank to serve owners with a sheriff sale notice. It was disconcerting at the lack of familiarity she had with file when she advises she is only point of contact. She would not provide contact information for the processing department but did elect to share that her supervisor XXXX XXXX sits right next to her.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/28/2016 about Debt collection (Credit card) with Dominion Law Associates, P.L.L.C. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: consumingIn XXXX we talked about my debt. Then they call me again in XXXX. 
Using treating language, and failed to notify me of any court dates. 
I am retired and live on a fixed budget. I told them this but they persist and got a Judgement of 6 %, that they charge anytime they like. Plus change me for the court case, so all the money I pay was consumed by their tactics. Some of what they do should not be legal or allowed. If I am paying then they should not be consuming it up with legal fees. They company who hired these crooks is responsible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have tried several times, to have information pertaining to state Tax Liens removed as the credit bureaus are reporting the information incorrectly. On several occassions, the response from XXXX and Experian is that the accounts were verified and are correct. This is untrue as I have letters from the State XXXX stating that the debts are satisfied and has been for over XXXX year now. Understanding that the credit bureaus pays third party sources to scout public information, I feel and according to FCRA rules, it is the Bureaus responsibility to ensure that accurate information is furnished on my credit reports. The Bureaus have failed to meet this obligation, even after several requests to investigate and remove these public records. Someone has to hold these bureaus responsible. It 's extremely easy for any creditor to add information to a consumer 's report, but is the hardest of tasks to have the information removed or even properly updated, which is truly unfair to consumers like myself, whom are trying to start over and build my 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 11/15/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Consumer Name : XXXX XXXX XXXX Date of Birth : XXXX XXXX, XXXX Consumer Social Security Number : XXXX Consumer Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX There is a fraudulent credit inquiry on my credit report submitted by XXXX XXXX XXXX on XXXX/XXXX/XXXX. 
In accordance with the Fair Credit Reporting Act, an entity may NOT procure a consumner report, or cause a consumer report to be procured, unless the consumer has authorized in writing authorization in the procurement of the report. 
It is my legal right do demand immediate removal of such credit inquiry by XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX from all credit reporting agencies. According to FCRA 616, Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] can and will be enforced. 

If XXXX XXXX XXXX feels otherwise, provide all forms of communication proving the credit inquiry authorization directly to myself, the consumer, XXXX XXXX. It you can not remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
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: I had a dispute on my card for {$16000.00}. The merchant credited {$14000.00}. On  XXXX   XXXX ,   XXXX  , I received a letter fro Chase which said : " We 've issued a temporary credit to your account for the {$2200.00} in dispute. If interest was charged on this transaction, your account has been credited for it as well. '' See attached. I have just received my statement - the first since this letter. There is NO credit for the {$2200.00} or the interest. I have now spent  XXXX  minutes in  XXXX  separate calls to get this fixed but can not. In the first  XXXX  calls the agents spent  XXXX  minutes reading the " notes '' and then my call dropped. I can not resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I owe capital one a little over XXXX dollars. I gave notice over the phone that I would not be able to make payment for next three months. then a week later I started getting XXXX six calls a day and when i answer no one is there. i call back the number XXXX XXXX and it is capital one but there is no way to talk to any XXXX. very frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Credit card protection / Debt protection

Complaint: We have Macy Credit card since 2009. This week, we received a letter from Citi Bank that stated we are ENROLLED in Credit Protection program. You have to call # to cancel the enrollment. We thought that this letter is a scam so we called Macy directly about it. We talked to the manager and complained that this is un-ethical business practice selling & charging customers service w/o their approvals. The manager offered connecting me to Citi. I told him that I am your ( Macy ) customer - not Citi. So you ( Macy ) are ok with this practice. He offered again to connect me with Citi Bank. 
So basically Macy knows of the un-ethical business practice from Citi and did NOT do anything to protect its customers base. No comments from the manager ... and again offered to connect me to Citi for cancellation. I told him that you just lost a customer. 

We are cancelling Macy card.

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 04/27/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (OH).
Issue: Account opening, closing, or management

Complaint: I attempted to make a payment using my mobile PayPal account on my phone. When I thought I had sent the payment I was enrolled in the PayPal Credit program and the very small payment ( appr {$22.00} ) was paid by a " pre-approved '' PayPal Credit. I would n't have even know I was enrolled unless I had received an email " Congratulating '' me! I NEVER intended to enroll and there was no XXXX verification step to confirm I wanted to. 
The problem is, I am in the process of securing a mortgage and trying to maintain a high credit rating. PayPal through this process has submitted a " hard '' credit check on my credit report which could hurt my credit rating as well as my ability to secure the loan!

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MO).
Issue: Problems when you are unable to pay

Complaint: I had a car loan with Santander that default back around XXXX 2011 and the car was repossessed. Santander is claiming the the car was damage but the time they saying it was damage it was n't in my possession. The damages that they said I cause to the car cause for the value of the car to be less then what it should have been and they was n't able to profit from it to the point the they break even and I do n't own any money and also its affecting my insurance rating. when the company they hired to repossess the car it was at XXXX and my car was park in the driveway behind my mother car and they move my mom car and had her car turn side ways in the driveway and on the neighbors grass and also my car was half way in the driveway and on our grass and they had the tow truck on our lawn and even destroyed our lawn also

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On or around XXXX-17 I noticed that account that were discharged in bankruptcy were still showing on my credit report. I no long wish for my personal information to be available through XXXX XXXX, Equifax, XXXX please opt me out of any and all commercial services available to the public or Third party companies. The following companies and information is list in error on my credit report : XXXX XXXX XXXX # XXXX, Please delete error. This account XXXX XXXX # XXXX was in a Bankruptcy please delete error. I was under the impression that bankruptcy information and date was being removed from credit reports if that can be updated that would be great so I can refinance my home. These account XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, are listed wrong please delete bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My credit report from Transunion shows a collection from XXXX, collecting for XXXX. I have not had a XXXX account in about 13-14 years. This is outside the statute of limitations

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 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In the spring of last year I received a business call from Citizens Bank ( RSBC ) in the evening to discuss student loan refinancing options. After briefly discussing my options and potential loan amounts, the customer service representative said they would have a specialist in their student loan department contact me at a later date. After the call I decided I did not want to pursue refinancing with Citizens Bank. Upon review of my credit report this year ( free credit report requested from XXXX XX/XX/XXXX ) I saw that Citizens Bank pulled hard credit without my permission on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (IN).
Issue: Managing the loan or lease

Complaint: When I ended my car lease, the car was inspected. It has been determined by Ally that there was excess wear. The charge was for {$180.00} plus {$12.00} sales/use Tax on Maximum Early Excess Mileage and Wear Charge Total of {$190.00}. ( we did not use all of our miles ). First of all, I believe that it is illegal in Indiana to charge sales tax on labor. Secondly, I have disputed the issue of multiple scratches and the bumper cover excess charges. I believe that this is retailitory measure action taken by Ally against the dealer because they have changed financial institutions for their leasing agreements. In addition, I believe that Ally my be attempting to take advantage of unknowlegeable senior citizens. As of XX/XX/2017, I am paying this disputed charge under duress, I do not want them to be able to endanger my credit score, and I hope that this complaint will provide financial reimbusment.

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