milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX / XXXX /  XXXX  ,  XXXX   XXXX   XXXX  filed a credit inquiry without my authorization. I have n't had any need of purchasing a car and this is a fraudulent inquiry that I would like taken off of my  XXXX  credit reports. I 've already reached out to them directly but to no success.

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 12-11-2017 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (KS).
Issue: Received a loan you didn't apply for

Complaint: I have been contacted repeatly for 2 months three times a day by speedy cash. they call using a call spoofer with the name XXXX XXXX. I have told them on several occasions that I never took out a loan with their company and for the to stop calling. I sent a cease and desist contact letter on the XXXX of XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Now all over a sudden they produce a XXXX merge report with XXXX score now XXXX points lower since yesterday. Unreal. XXXX I 'm speaking of. I noticed that they are not all on the same sheet of music when it becomes to reporting my current good stand revolving accounts. I need an explanation from XXXX on how can I go from XXXX to XXXX in one day with no explanation ... I have made no inquiries and no transactions. This is crazy ... please investigate all XXXX to find out what they are doing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Debt collection (Credit card) with CITIBANK, N.A. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My issue is with a Home Depot credit card. I fell behind on payments and then made a payment to pay all pass due amounts. Soon after that they suspended me from making direct payments on the Home Depot website and would not accept payments over the telephone. I was contacted by XXXX and given the option to pay XXXX in full to clear the account. I paid the XXXX in XXXX of 2015 and thought all was well until I received a call from XXXX in XXXX of 2015 stating I now owe XXXX. Each time I spoke with the company they insisted I owed the money. I requested explanation of the balance in writing but to date have not received a detailed explanation in writing. They only tell me it is because of interest. To date this account balance has grown from XXXX when I paid it off the debt according to paperwork sent to me from XXXX, to XXXX according to the XXXX representative I spoke with today. My last communication with this company was XX/XX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: Additionally, I have a  Fraud Victim Alert in  place with all  XXXX  credit agencies due to being victimized in  XXXX     2016. It is an extended Alert purported to be in place for 7 years ( 5 according  to  XXXX  agency ). I continue to receive Unwanted marketing with pre-approved credit.  XXXX  told me this is not supposed to happen with  a Fraud victim Alert in   place. This has necessitated me to have a locking mailbox as an extra pre-caution, and continues to this day unabated. In fact today I received  XXXX  new catalogs which I did not request. How does this happen? What does the alert do, if not prevent 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 03/19/2016 about Payday loan () with Big Picture Loans, LLC (NC).
Issue: Charged fees or interest I didn't expect

Complaint: I have received a loan for XXXX associate with red rock tribal leading for {$600.00}. I told them over the phone I agree the pay {$750.00} total with the interest included. I already pay two payment one for ( XXXX ) and other for ( XXXX ). which is a total for ( XXXX ) so far. The payment comes out of my account BI-weekly. I was misleading information fees and total repayment amounts. I found out that I have to pay 5 payment for ( XXXX ) for the interest charge on the loan before I start to pay on the principle on my loan. I would be paying XXXX total on a {$600.00} loan which I never agree to. The customer service was difficult to receive help from them. I feel like this is a SCAM and they can not answer my questions and they are very difficult to talk to over that phone. they never stating or implying that the finance fee was a one-time charge instead of an ongoing interest charge.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Prepaid card (General purpose card) with Blackhawk Network Holdings Inc. (IN).
Issue: Fraud or scam

Complaint: This is my second complaint. My first ended up being Case number : XXXX. Blackhawk provided a weak partial response saying they were investigating over two weeks ago, and my money is still locked up. I can not access any funds in my account, and this has been the case for over XXXX months now.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Student loan (Federal student loan servicing) with Utah System of Higher Education (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: UHEAA ombudsman employees have been applying all principal payments to my interest and unaccrued interest which is incorrect, changing expected payoff dates to XX/XX/XXXX in which all four loans expected payoff dates should be 36months/ year XX/XX/XXXX, illegally deleting each indivual monthly payments ( paid towards principal balances ) ( All interest owed was paid off ) ( UHEAA ombudsman added/ applied all interest back towards all four principal balances knowing that borrower had paid off all the accrued interest applied to all four loans since XX/XX/XXXX ( Unsub/Sub loans ) and XX/XX/XXXX ( Unsub/Sub ) at 6.8 %. Combined four loans total should be XXXX and not over 10k when all monthly payments are doubled and unacurrued interest is added into my monthly payments. Overage payments are to be applied towards principal balances not applied towards interest. Interest should not be higher then principal payments unless I missed payments. I have never missed nor Ben late on monthly payments. When I informed UHEAA of the countless errors they are making, in response to my complaint the errors would be corrected on each of my four loans, instead they apply unacurrued interest calculating from expected payoff dates XX/XX/XXXX and applying it towards all four loan balances. Illegally changing dates, moving monthly payments around to other loans. One balance higher then the other they would go in and remove payments that have been applied or applied incorrectly and apply it to another loan with a small payoff balances ; then turn around and add more unacurrued interest to all four loans again.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (KY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: {$1500.00} XXXX XXXX billing sent to collections, while in talks with original billing company. When I first received a call from Wakefield attempting to collect on outstanding debt on which they added {$300.00} of interest to. After a couple of phone conversations with Wakefield, within the first month of the first contact with them, Wakefield asked that I send in a formal dispute with name, explanations, offered amounts, ect. I faxed the letter next day as well as certified mailed a copy to them, which they received two ( 2 ) days later. I never received one more phone call or mail correspondences since, and still have not to this date. 

Not until I had my credit report run was that it has been brought to my attention that I had a outstanding collections on my credit report from Wakefield, which has been active for 8 months, and is noted as under dispute. 

But Wakefield never responded to my dispute letter ( faxed & cert mailed ) nor have they ever contacted me again to collect. 

Note : I never said that I did n't owe anything, my insurance company first billed this as " IN-NETWORK '', showing I owed {$170.00} that was rejected by original medical billing company. then insurance billed at member rate for " Out-of-Network '' that was rejected. I did n't choose my anesthetist for my procedure, I did choose a IN-NETWORK doctor and Medical facility to have it done. I was firm in my dollar amount that I considered fair for the outstanding bill from the very beginning with both the original biller as well as Wakefield & Associates. 
Never was any document provided stating that Wakefield had the right to add interest to the amount, & XXXX response or follow-up regarding my dispute letter faxed/mailed. Then reported the debt to the credit bureau and has never made any contact attempts since disputed eight months ago.

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 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: My credit reports show a delinquent mortgage from XXXX from a company called XXXX. 

This account was not opened by me, this account is fraudulent. 
I never had a mortgage with XXXX.   
In XXXX XXXX  demanded payment, and I refused. 
After hiring a lawyer, XXXX acknowledged fraud. 
Dispute was resolved OK.  
But credit agencies are still reporting this as a delinquency, holding it against me. 
This is incorrect, unfair, and unjust.  

Note that XXXX was found guilty of other cases securities fraud, and the company shut down. 

Details:   
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX
Date Opened: XXXX
Responsibility: Individual Account
Account Type: Mortgage Account
Loan Type: CONVENTIONAL REAL ESTATE  MTG
Date Updated: XXXX 
Payment Received: XXXX Last Payment Made: XXXX
High Balance: XXXX
Pay Status: Current; Paid or Paying as Agreed
Terms: XXXX per month, paid
Monthly for 360 months
Date Closed: XXXX
>Maximum Delinquency of 120 days in XXXX for XXXX and in XXXX for XXXX<

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Transaction issue

Complaint: We used autopay to pay off our statement balance with FIA Card Services, a XXXX XXXX XXXX card. However, the payment was returned ( never applied to the account and never debited from the checking account ), and we were charged a return payment fee. There was no late payment because we had already submitted the minimum payment due. We called on XXXX XXXX, 2016 to make the payment in full again and to get reimbursed for the return payment fee ( the fee was eventually reimbursed ). We submitted a payment over the phone on XXXX XXXX, 2016 to the credit card through FIA Card Services. The new payment was never applied to the account balance, but the transaction still shows on the checking account, which is also through XXXX Those funds are now missing, and the FIA Card Services website shows " You can not login to FIA Card Services. You do not have any open accounts. If you believe this is an error, please contact customer service at XXXX. '' We called the number and waited on hold for XXXX and half minutes and were unable to speak to a representative. The card account is now with XXXX XXXX XXXX, however they do not have a record of the account balance yet.

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 10-12-2015 about Bank account or service (Checking account) with BB&T CORPORATION (TX).
Issue: Problems caused by my funds being low

Complaint: I have been a customer with this bank for years and for the most part I have not had any problems, until recently. I began reviewing my account statements after I received a notice that my account was over drafted over {$700.00}. I will be honest in saying that I have unintentionally over drafted my account in the past and have been able to bring my account in the positive within a reasonable amount of time. When I reviewed my statements, I started by reviewing the balance and charges from XXXX until recently. I would subtract the charges shown from the balance provided on my statements. Often times when I was charged an overdraft fee, there would still be available funds in the account. I have been charged {$36.00} overdraft fees for charges well under {$5.00}, the smallest being a {$0.00}. I know difference between an available balance and posted balance, still according to my research, a lot of the overdraft fees I was charged was done in error. The way BB & T explains how they process payments and the difference between an available balance and posted balance seems very deceptive. Based on the numerous complaints I have reviewed, I am not the first customer to have this problem. My account is utilized for various reasons and BB & T has put me in great financial trouble with other institutions I pay using the funds that are deposited in this account. I contacted the customer number XXXX to resolve this, both times the line disconnected. I only decided to submit this complaint as a last resort when I checked my bank statement to find out I was charged {$4.00} for contacting the customer service number in order to resolve my problem. I would like to remain a customer with this bank, but I do not agree with how I have been treated and taken advantage of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 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: AN INVESTIGATION INTO THIS COMPANY WAS OPEN WITH EQUIFAX IN REFRENCE TO THIS UNVERIFIED ACCOUNT. THE COMPANY ALSO HAS BEEN NOTIFIED BY CERTIFIED MAIL AND HAS NOT YET REPSONDED. EQUIFAX AND THE ALLEGED CREDITOR IS REPORTING SAME ACCOUNTS TWICE WITH RESETING THE TIME AS FOR THE DISPUTE AND ACCOUNT AGE AS WELL TO DOUBLE REPORTING. WHILE IN INVESTIGATION. IM SURE EQUIFAX IS AWARE OF THESE VIOLATION. AS WELL THEY CONTINUR TO REPORT MY NAME WRONG FOR I HAVE SENT THEM INFORMATION REGUARDING MY TRUE IDENTITY, FOR I DO NOT HOLD AN SR,

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Checking or savings account (Other banking product or service) with SYNCHRONY FINANCIAL (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Synchrony Bank has sent evidence of accounts with the purpose of transfering IRAs This is also not recognized as a valid account established by myself. The IRA is not one I have been informed of.The company is stating an agreement must be completed by me but also is the listed bank affiliated with PayPal Corporation.

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 03/18/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I asked for full investigation including verifying all information which they did not do. Date Opened is not correct, where is the proof. The last activity date of XXXX 2013 is incorrect, the last payment was XXXX 2013. FCRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was a victim of   XXXX   XXXX   inquiry issue '' . i called them XXXX / XXXX /2017 to   make them aware and to see the steps that I need to follow. customer service would not help and take care of the negative inquiries reporting to my credit report.
 XXXX  had a server error, where the company had deleted a ton of inquiries from consumer credit reports, then proceeded to reinsert those inquiries back to the consumer credit reports.   XXXX   failed to follow the legal procedure to actually do so. They removed all of my inquiries and placed them back and I want all of them removed because they didnt follow procedure.

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 WELLS FARGO & COMPANY (VA).
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: In XXXX 2014, A divorce decree was signed for my ex and I on grounds of adultery by him. The settlement gave ex the home in Illinois, and he was supposed to remove my name off the home/loan. I sent a copy of this decree to the mortgage company requesting my name be removed off the VA Loan which my ex is the VA loan holder. I have not lived in the home since 2014. I 've signed a quit claim deed for the property to allow him to refinance or remove me from the financial obligation but he did NOT refinanced and the home is NOW in FORECLOSURE. I have a job where my credit must remain intact. I 've contacted Wells Fargo AGAIN to no avail. I want to buy a home and keep my job and need help removing this blemish off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I had attempted to pump gas using my debit card, but my card had been denied. I double checked my account balance to make sure I had funds available and I did have funds, but left confused as to why it was denied. I decided to call Wells Fargo after work and in calling them I saw that within a matter of hours, I no longer had funds. In reviewing the charges, I saw non-sufficient fund fees charged. I called Wells Fargo and asked them why these charges were made. They explained that I had over drafted the account. At this point I noticed charges made at XXXX ( {$150.00} ), XXXX ( {$260.00} ), XXXX ( {$45.00} ) & XXXX ( {$65.00} ) that myself nor my wife had made. These transactions all occurred on XX/XX/2018. At this point I submitted my complaint to Wells Fargo. Previous to this whole situation, I had requested a new debit card because my current card was unreadable, but never received it. This was also explained to Wells Fargo on my initial phone call. In Wells Fargo 's final investigation, they deemed that I or someone else that I had authorized had used my card. I tried to explain that none of these charges were mine. I filed a police report to offer further proof. Wells Fargo sent me a copy of the signatures used to make the purchases and none matched mine. The person who used my debit card fraudulently had even tried to use the stolen debit card at a Wells Fargo ATM. Wells Fargo has rejected my request for them to review their cameras to confirm that this was not 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 02/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with WORLD ACCEPTANCE CORPORATION (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: World Finance and I settled in XX/XX/XXXX and agreed that I would pay {$75.00} a month to settle my balance. I have been doing as such. This arrangement was made in XXXX County, GA. They have since filed a suite in XXXX County to garnish wages because XXXX County will not accept them. Again, I have been paying to my agreement. I have called the office to rectify, however, they do not respond at all. I believe that this behavior from them is being taken against me because I requested that they remove inaccurate information from my credit report. World Finance reported as a judgment when there was no judgment because we settled.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Recently an account that was previously listed on my credit report that had been deleted reappeared without proper notification.This account appeared on XX/XX/XXXX on my Experian credit report in the amount of {$1500.00}, and also on my XXXX credit report on XX/XX/XXXX. I was not properly notified which is supposed to be mandated according to the FCRA. Also the information was not certified to be correct.

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 08-11-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: My bank all of a sudden send me a letter stating that they are closing my account. When I asked them what happened, the reason was " it 's a business decision ''. I understand that they can do that, my concern is what happened that triggered it. 

They did leave my business account open.

Company response to consumer: Closed with explanation