milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-10-2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (OH).
Issue: Charged fees or interest you didn't expect

Complaint: I got a personal loan for XXXX in XXXX I am still paying on this loan of {$250.00} a month the loan has went to three different companies each time I ask him when this loan will in they do n't even know I keep on getting the runaround I was told that the interest would be paid off in five years I know I made a mistake I just wanted anybody can help me

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Debt collection (Non-federal student loan) with AES/PHEAA (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Me and my mother had this as a joint loan and my mother settled it and paid it off.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had a XXXX XXXX Account opened in XXXX and the last time used my account before I closed it was XXXX XXXX. My account was paid in full at the XXXX XXXX in VA in full. XXXX reported my account to the credit reporting agency as paid in full. I checked out my credit reports in XXXX of this year and XXXX have my report showing negative information. I called XXXX XXXX Department to rectify this issue and they stated that will update my credit reports with the correct information.

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 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This complaint concerns XXXX XXXX XXXX XXXX XXXX Account No. XXXX As per our conversation on XX/XX/XXXX, XXXX XXXX XXXX represented that upon receipt of my last payment on the above referenced that they would remove any delinquent/derogatory status from my consumer files as maintained by XXXX, XXXX, and XXXX consumer credit reporting agencies. By payment on XX/XX/XXXX, I satisfied my obligation to XXXX XXXX XXXX with my last payment. Nevertheless, the continue to report my account as delinquent/derogatory status from my consumer files as maintained by XXXX, XXXX, and XXXX consumer credit reporting agencies contrary to our XX/XX/XXXX agreement.

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 07-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (WA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: OnXX/XX/XXXX a BILLING ERROR, letter of validation was sent to Citi credit card. I received no response. On XX/XX/XXXX I sent a second notice. I received a threatening letter stating they will report my account onXX/XX/XXXX. They also stated my account was valid without any correspondence or proof. Under the FCBA I have exhausted my administrative rights. The law states they have to acknowledge within 30 days. 90 at the most! It has been well past 90 days and all I 've received as of todayXX/XX/XXXX are copies of some account and threats stating they will report my account to the three credit bureaus as delinquent. I know my rights! This is fraud!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have been disputing incorrect information for months now. I have information previously saved where inquiries were not on my report when I logged in last and now it 's showing as a hard hit more than once. They 're also reporting wage earner accounts as past due and late, as well as stating it 's a open account. XXXX inquiries fell off my credit report and my credit has gone down. I have pictures and recordings and Transunion and XXXX basically puts what they want on your credit. I have sent them information in a few times and still no results. The attachment that is shown below verifies I have no past due accounts and now my credit report says that an old account is past due.

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 05/18/2015 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I recently sent XXXX letters over the last XXXX months and I do not feel as though Experian has helped me the consumer at all. I even sent them proof that the XXXX account was paid in full and they have not bothered to update this account for me. I do not feel as though they have even bothered to investigate the accounts that I have questioned. They have not bothered to send me an updated credit report either.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: TD auto finance has an auto loan showing as open, past due, & with a balance. I filed Chapter XXXX bankruptcy including the vehicle. They now have the vehicle. I notified them to have it updated but nothing has been done to correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am filing a complaint with your company due to the false reporting of invalid information and credit reporting errors. The accounts listed below are charge off accounts. I have sent in proof multiple times with your company stating that they have been updated and corrected. In a charge-off as you are aware, the company writes off the debt and then the balance is XXXX. You clearly show here that the accounts have not been updated and are still reporting false information. I also have highlighted them in the attached credit report. You are in violation of the FCRA and need to address this XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$5400.00} XX/XX/XXXX {$5400.00} CHARGE-OFF {$2500.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4900.00} XX/XX/XXXX {$4900.00} CHARGE-OFF {$2300.00} XXXX XXXX XXXX XX/XX/XXXX {$7000.00} XX/XX/XXXX {$7000.00} CHARGE-OFF {$6000.00} XXXX XXXX XX/XX/XXXX {$6100.00} XX/XX/XXXX {$6100.00} CHARGE-OFF {$5100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Bank account or service (Checking account) with U.S. BANCORP (MN).
Issue: Account opening, closing, or management

Complaint: I have faxed and mailed US Bank numerous letters, police reports and copies of personal identification information in regards to me being a victim of identity theft and someone stealing my identity to open up fraudulent checking and savings accounts in my name. XXXX Bank refuse to remove and clear the fraudulent accounts from under my name, date of birth, social security number and Minnesota drivers license number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Credit card () with ARVEST BANK GROUP, INC. (OK).
Issue: Billing disputes

Complaint: My wife & I purchased a 'travel club membership ' on our Visa after being told by the salesman that we could use it for our XXXX we take XXXX for XXXX work. Since my wife works for an airline I told him we did n't need it for our personal use but would be interested if we could use it for these trips. He assured us it could. As our documentation shows, we were given promises that did not materialize. So i began to call and complain, and demanding a refund and being told it was beyond the 3 days allowed by law - rudely at that - I finally took them to small claims court in XXXX, XXXX, and won a judgment. Since this company is a 'scam ' and knows how to work the system, they have multiple offices in XXXX , XXXX , and XXXX that i know of. Trying to get a physical address and trying to collect is nearly impossible. So I asked Visa to reverse the charges. I have my Visa through Arvest Bank, which uses Security Bankcard Center. Initially they reversed the charges ( Arvest did ) but then they called and said Visa will not reverse them since I had a judgment and might collect double payment so I needed to pursue through the courts. Per my attorney i was told to press Visa to reverse the charge. They refused saying it was past the 'statute of limitations ' of when the charge was made. The travel co. would n't refund and cancel because they said it was past the 3 days, yet it was during that first week I was trying to use their services before finding out the empty promises. They also complained to Visa saying I used the services. I tried getting quotes for airfare, rental cars, etc. and the only thing I could use was a rental car - and that did n't save me any money from what I could get elsewhere. A far cry from spending over XXXX for these 'special discounts. ' This travel company goes by " XXXX XXXX '', " XXXX '' or " XXXX '' - all of which have a lot of bad complaints online. I only which I had researched it before we bought!

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (Credit card debt) with TD BANK US HOLDING COMPANY (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This Target Credit Card was charged off at {$580.00}. I have not received any debt validation letters or anything verifying that the account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Credit card () with BARCLAYS BANK DELAWARE (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Fraud charge on credit card for product never received. 
BarclayCard Services XXXX. XXXX XXXX XXXX, DE XXXXXXXXmerchant - XXXX, XXXX XXXX, XXXX ) XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: XXXX XXXX Client Liaison, Citibank XXXX Response Unit Reason of review : Problems with ach deposit, managing deposit Checking account ending in XXXX Monetary Loss : {$2600.00}. Preferred solution : Refund of my balance {$2600.00} Per OCC Case # XXXX and CFPB Case # XXXX RESPONSE The deposit in question that Citibank feels does not belong to me ... You have stated that if i believe it does belong to me, for me to send documentation. I am sending the documentation that shows the deposit does belong to me and was sent to my checking account. thank you for you time, i have left many voice mails and tried calling different channels but have not gotten a response. I appreciate your assistance in the matter and look fwd to getting this resolved as soon as possible. I hope that this information reaches either you or someone that can see my information and my verifying documents and see that this has been one big mistake on Citibank part and can refund my balance since my bank account was already forced positive balance closed for no reason i hope to be recieving the refund in form of check in the mail for my remaining balance that does belong to me from Checking account ending in XXXX. Account has been closed. The deposit amount in question was withdrawn as other description and not refunded or allowed for my use I HAVE ATTACHED THE DOCUMENTS THAT SHOW THE PROOF THAT THE DEPOSIT DOES BELONG 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 monetary relief
Consumer complaint received 01/15/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: After several attempts to get my annual free report I was finally able to access the Experian url I received in the US mail that would offer the report. After entering their " secret special questions '' I was denied my report again and there was an option to send them money OR re-submit, again a request by mail. I want my free report.Is there anybody to enforce 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 non-monetary relief
Consumer complaint received 10-02-2015 about Payday loan () with Big Picture Loans, LLC (IL).
Issue: Charged fees or interest I didn't expect

Complaint: I got a loan from castle pay day loan, at time I recived the loan I was given a quote of XXXX dollars for a loan of XXXX they have taken XXXX dollars out of my account 3 times, iam assuming the loan is paid off, .When I looked at the account its stating I still have a balance of XXXX called them they tell me I still owe XXXX .This will be XXXX for XXXX loan at the time when I reuested the loan I changed my mind, an did not tell them to send it, 2weeks later it was in my acc.So I figured ill keep it an pay it off but now they are trying to get triple of what they quoted me. I need help..

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I did not file for bankruptcy. I went on to XXXX and got the documents that was filed and it does n't have my name nor does it have my correct address. This is not mine. They keep verifying that this is mine but it 's not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Debt collection (Medical) with Midwestern Health Management INC (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: NorthWest Financial Services or XXXX XXXX now has my debt from XXXX XXXX XXXX. I am unaware if those debts have been charged to my insurance. Along with that I was making payments to XXXX at the time they turned me into NorthWest ... I have asked for a payoff amount ( discounted ) Northwest is unwilling to work with me and has threatened to charge me very large amounts of interest until I pay it off. I am willing to pay but not being threatened to be charged tons of interest when I barely have the money to pay it off in the first place. Thank you XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with RIA FINANCIAL (TX).
Issue: Money was not available when promised

Complaint: I use Walmart 2 Walmart money transfer service to send money to my brother when needed. XXXX 2017 he called, asked me to send money which I did. Later that day he called to say that he could n't get the money & that I had to call a number. I called the number which was the compliance department, answered all their questions and was told that my brother was restricted from receiving the money and the gentleman refused to tell me why. After a lengthy conversation of trying to get an answer other than your brother is restricted, I asked for supervisor, I was told the same thing that my brother was restricted without any further explanation. Same day, I went back to Walmart got my money refunded and sent funds via XXXX ( no problem ). During the week, I called the compliance department, after a lengthy conversation and answering all of their questions, was told my brother was restricted. Called back & got someone on the phone, this time I asked if my brother could send a picture of his ID cards because someone was using the same name. We texted a picture of VA ID & his state ID card so they could have on file. Four times I 've tried and now in XXXX, it 's the same problem..no reason other than he 's restricted, maybe someone has same ID, too many people using the same last name, what will the money be used for and after talking with a supervisor my brother 's restricted and they 're investigating the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen Loan # XXXX XXXX XXXX CA XXXX After giving us an approval letter with an approved net, Ocwen is now claiming they want a higher net. They will not tell us what that net is. Instead of giving us an answer, they are further delaying this short sale by claiming that the US Treasury is the one that determines their Net Present Value ( the definition of which make no sense in and of itself and Ocwen is refusing to explain to us. ) They are refusing to give any kind of timeframe that the underwriting team will be finished with its review, and that they refuse to respond to our phone calls and voicemails. We have to contact the Ombudsman 's office to get ANY response whatsoever from Ocwen. 

The US Treasury has NOTHING to do with this file. It is not government backed. 

WE ARE TIRED OF BEING LIED TO -- -- -- -- -- -- this file is a private pooled group of investors and Ocwen is DELEGATED to make all decisions on the file.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Good Afternoon, I am reaching out to the CFPB due to not being able to get inaccurate information off my credit reports. I have reached out to 2 of the 3 Credit bureaus XXXX and Transunsion to resolve this matter. Not only is this information incorrect on my reports but it is causing me a hard time trying to obtain credit. I am in the process of becoming a Homeowner in XX/XX/XXXX and this negative impact is causing delays. I understand that the credit bureaus may be busy during the XXXX, but as a consumer under law they must report correct accurate information. Listed below are the credit inquires from both credit bureaus XXXX and Transunion that I did not authorize. 

This is my second request in regards to this unauthorized inquiry from your company that had been placed on my credit report without my permission As you no doubt are aware, the credit reporting agencies regard inquiries as a statement of fact and will not allow a consumer to dispute them. The CRA 's maintain that if the inquiry is on file then the company listed did in fact view the consumer 's record. 
I am writing this letter since the Fair Credit Reporting Act ( FCRA, Title 15 U.S.C. 1681 et. seq. ) prohibits anyone to view a consumer report absent a 'permissible purpose ' ( see specifically 1681s-3 ( b ) ). 
I don't recall applying for credit with you. 
Please explain in detail your purported permissible purpose giving you access to my credit file. In the event no such permissible purpose exists, please arrange for payment of no less than {$1000.00} ( XXXX XXXX DOLLARS ), payable to the name listed above. 
Also be apprised that, in the event you fail to promptly and fairly address this serious matter, I will pursue my legal remedies as provided for under the FRCA. Specifically, Title 15 U.S.C. 1681n & 1681o which provide harsh penalties, including statutory and punitive damages, costs and attorney 's fees in appropriate cases, for non-compliance with the FCRA XXXX 
Your timing is crucial so I would greatly appreciate a response from you within thirty ( 30 ) days for the presence of this inquiry is doing serious damage to my credit report and is inhibiting my ability to obtain necessary credit. 

Please immediately forward a letter indicating your intention to delete the inquiry or a copy of the original signed application. 


XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX +  All Banks XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Bank account or service (Checking account) with Xerox State & Local Solutions, Inc. (PA).
Issue: Using a debit or ATM card

Complaint: Money never returned promised otherwise. Nobody even looked into my case, i have emails from numerous representives telling me many lies and controdicting one another.

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