milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it vey difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible : 1. XXXX XXXX : XXXX XXXX, XXXX 2. XXXX XXXX XXXX : XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX 4. XXXX XXXX XXXX : XXXX XXXX, XXXX 5. XXXX XXXX XXXXXXXX XXXX, XXXX 6.  XXXX XXXX XXXX : XXXX XXXX, XXXX 7. XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX 8. XXXX XXXX : XXXX XXXX, XXXX 9. XXXX XXXX XXXX : XXXX XXXX, XXXX 10.  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 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX Transunion, and XXXX are reporting inaccurately on XXXX XXXX XXXX  account XXXXAfter repossession of a car in or about XX/XX/XXXX, the account was charged off for {$5800.00} in XX/XX/XXXXThe car had an auction value to reduce the loan indebtedness, yet it is not depicted in the balance histories.The charge off indebtedness increases from {$5800.00} in XX/XX/XXXX to {$9000.00}, the following month in XX/XX/XXXX.After dispute with all 3 bureaus XXXX says on the report, {$7100.00} past due inXX/XX/XXXX.In XX/XX/XXXX, the reports of all 3 bureaus say {$9900.00} past due.The Fair Credit Reporting act entitles me and is required by law to be accurate, complete and clearly depicted on my credit report.All 3 bureaus are inaccurate and incomplete in the reporting of the XXXX   account and are required to correct or delete the reporting.That has not been done in any of the previous recent disputes with all 3 bureaus.

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 10/29/2016 about Credit card () with KEYCORP (NY).
Issue: Transaction issue

Complaint: Key Bank requires online statements and payment in order to avoid a $ XXXX monthly fee. Because I have an older computer system that XXXX considers to be below its minimum standard for downloading the latest version of XXXX XXXX, my popup windows are not working to remind me of the calendar entry for paying my credit card. As such, I paid my credit card a week late. The Key Bank representative graciously waived the {$37.00} late fee but kept the {$.00} minimum charge to cover the additional interest, to which I agreed, because that is fair. As Key Bank, in an attempt to obtain prepayment of its outstanding balance, sets the next month 's payment as a two-month payment, even though the previous month payment has now been paid and late fee waived. I called Key Bank 's credit card customer service representative, who told me she nor her supervisor had the authority to modify the minimum payment to reflect the previous month 's payment. I have complained once before on this subject when I received this response once before, and Key Bank representative XXXX XXXX competently modified the minimum balance calculation manually. I am looking for this resolution again, but more important, I would like to solve this problem once and for all. I asked the credit card customer service representative, if I could schedule payments in the future when I receive my statement or, even simply schedule a recurring payment every month which will slightly overpay the payment as the balance is paid. Incredibly, I was told that Key Bank offered these features but no longer does so, features that other banks typically provide ( e.g. XXXX XXXX )! Accompanying this complaint are the two relevant screenshots, showing my attempt to set up a recurring transaction and how that feature is disabled once I enter the Key Bank Mastercard account as the recipient of the monthly recurring transaction. I would like to be able to make a recurring transaction because of my inability to receive reminders from my electronic calendar.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: The company XXXX said that that my bankruptcy was verified through XXXX and I have a security freeze on there they stated that they got the information from a third party company

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 Debt collection (Medical debt) with EQUIFAX, INC. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I collection debts on my credit report open dating back to XXXX when I was n't even born yet. I was born in XXXX. There are 20 debt collections from XXXX XXXX XXXX in my Equifax credit report amount range from $ XXXX {$1000.00}. I have talked with the original debt company which has no debt in their system dating XXXX. My father has the same name as me but he is the 22nd ( II ) and I am the33rd ( III ). He got out the military in XXXX from a result of being XXXX XXXX XXXX XXXX and was a patient at XXXX XXXX XXXX. I disputed the collection and results were having them closed but not removed and I have been fighting to have the removed through phone calls to Equifax, disputes through XXXX XXXX Account and XXXX XXXX  XXXX. The debt collection should be removed cause of inaccuracy. How can a person born in XXXX have a debt collection from XXXX??

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (PR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I did not find the right option for my complain, so here it is. 

This account was originally from XXXX XXXX now XXXX, I have requested many times the information to be investigated because I know about the Discriminatory Credit Card Practices against consumers that had a XXXX XXXX address and I am XXXX of them. Neither XXXX or this collection company Portfolio have changed/deleted the information. Every time I file a dispute in my credit report since the article came out, shows the information has been corroborated and remains. I have copy of my credit report and copy of your article dated XXXX XXXX, 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I requested that Equifax conduct an investigation of errors on my credit report over 45 days ago. They have yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Debt collection (Medical) with AmeriCollect (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: On XX/XX/2016 I was informed by XXXX XXXX, the Director of Efficiency, Compliance and Privacy at XXXX XXXX XXXX, XXXX that a debt that was placed with the firm, Americollect, INC would be removed from my consumer credit reports. It has not been removed by Americollect, INC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 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: Old information reappears or never goes away

Complaint: I 'm filling a complaint against  XXXX  credit bureau  XXXX ,  XXXX , and Equifax. I checked my credit at  XXXX    XXXX   which send me an alert that my credit score has changed. I checked my credit score on  XXXX   XXXX . My credit score had fallen very low from going  XXXX  to  XXXX   (   XXXX   ),   XXXX  to  XXXX   ( Equifax ) "  I was Mad ''. They are going old information that been remove d. One I do n't have a Bankruptcy. Second I do n't have a Tax Lien. I want all information re move " NOW ''. The information is attach to this complaint. I pay my bills on time and I do n't need false information against me or my family.     The Fair Credit Ac t ( 1970 ) 15 U.S.C -1681 The Truth in Lending Act The Fair Credit Billing Act 15 U.S.C -1681 State Status of Limitations The Fair & Accurate Credit Transactions Act The Fair Credit Debit Collection Act U.S.C 1692 - 16920

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: This is my second report with the cfpb regarding Capital One. I hold credit with Capital One and so does my father with this card. 
My father is undergoing a refinance with his home. I had several excuses of Capital One not taking off late charges when the card company was at fault of not processing my payment correctly. 
I had another excuse of due to the hurricane that the company is short staffed. 
I had attempted payments and phone calls three times to XXXX at Capital One 's Corporate office. Her number is XXXX. ( XXXX ) XXXX # XXXX. The Customer Service Department has threatened prosecution of non-payment to the credit card holder. I agreed several times before the due date to make payment arrangements, which Capital One agreed to {$30.00} several times.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I contacted Transunion on line to get a free credit report .i paid {$1.00} for this andgave my credit card info. I was offered " free '' credit monitoring.come to find out II was charged $ {$17.00} for the " free '' credit monitoring.this is deceptive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Other financial service (Credit repair) with Credit Karma, Inc. (NC).
Issue: Disclosures

Complaint: I have been locked out of my account with Credit Karma. I have contacted them several times, but I have been unable to get a reply within 30 days. It keeps sending me emails weekly with new updates, but they wo n't answer my request to unlock the account so that I done have access. I 've even gone to XXXX to try to send them a message, no response. Can somebody help 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 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX f/k/a XXXX XXXX XXXX XXXX received fraudulent information using my credit to secure a modification/refinance loan that belongs to my ex-spouse. All correspondence and documents were sent to an address I never resided/lived at. I have tried to resolve this issue, unfortunately to my dismay, this mortgage loan continues to appear on my XXXX and TransUnion Credit Reports.

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 06/27/2016 about Debt collection (Mortgage) with Ditech Financial LLC (MN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: We had a XXXX mortgage with HSBC.We received a Cancellation of Debt from XXXX dated XXXX/XXXX/XXXX on XXXX/XXXX/XXXX. Months later we received another copy of Cancellation of Debt which was dated XXXX/XXXX/XXXX. This form said it was corrected and stated the debt discharged was XXXX.The first discharged {$24000.00}. We heard nothing from XXXX or XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. At this time we heard from Ditech Financial LLC. 
Ditech claimed we owed $ XXXX+with late fees. We were able to get a loan modification on our XXXX mortgage due to my being forced to retire due to health issues and we could not afford our XXXX mortgage monthly payments. We are still struggling with our monthly mortgage payments and we heard out of a 4yr. silence that we owe for a XXXX mortgage. There is no way we can pay this back on our current fixed income.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Bank account or service (Savings account) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Account opening, closing, or management

Complaint: BBVA COMPASS is committing fraud by deliberately giving incorrect info on fees to consumers on phone. I phoned XXXX to ask for fees to close XXXX account open less than six months. Was told no fee. This is incorrect. Fee is {$25.00}. BBVA is deliberately misleading consumers so it can profit from fees.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Mortgage (FHA mortgage) with TIAA, FSB (MI).
Issue: Loan modification,collection,foreclosure

Complaint: My home was foreclosed on XXXX/XXXX/XXXX, today ( XXXX/XXXX/XXXX ) the mortgage company " Everhome Mortgage Co '' reported the forecloser on XXXX/XXXX/XXXX. This info is wrong and I have the sheriff sale paperwork to prove that. They are a horrible mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Debt collection (I do not know) with Receivables Performance Management, LLC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving calls from a company called RPM ( Receivables Performance Management ) for several weeks, claiming about a debt I own. I think they are either scammers or someone has given my personal information to them. I am an customer of XXXX insurance which was subject to a recent hack and data leak. 
They either call and hang up or leave messages. Most calls are on the weekends in the evening or early morning. The XXXX time I was able to talk to a representative they were unable to tell me what creditor or company was seeking payment from me. I hung up. I 've already checked my credit report and have no accounts in collection nor have I been turned over to collection by any of my creditor. I 've block the XXXX numbers they have tried to reach me at, but I still get voice-mail messages

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: APR or interest rate

Complaint: I have a credit card for our business with 5/3rd Bank out of XXXX, OH. I have had this card for over 10 years and in the past had done all of my business with 5/3rd until the 2008 housing crisis. At that time, I was trying to get another mortgage and a Senior VP at 5/3rd lied to me during those negotiation and was eventually fired for mistreating me. I then took all of my corporate business to XXXX Bank in XXXX, with the exception of this XXXX credit card. I have an excellent credit rating and I have paid on time for years. However, a month ago, I did not get my statement in the mail and before I realized that I had not paid it, my payment was 10 days late. The next month, I found that they had raised my interest rate from 9.24 % to 29.99 % just for being 10 days late. That is a penalty of {$220.00} per month! They have now informed me that this penalty will be in place for six months! Meaning that they are going to penalize me {$1300.00} for being 10 days late on XXXX payment. Clearly this is predatory. Certainly, they are trying to drive my business away. I have no problem with that, I just have a huge problem with how they are doing it. That is a lot of money for any small businesses and many would not be able to take their business elsewhere. This simply is wrong and I ask the CFPB to investigate this practice at 5/3rd Bank to see how wide spread this predatory practice is and how many businesses have been affected. Then I ask that you take action to get them to repay me and the other business victims for the money that they have literally stolen from us.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Using a debit or ATM card

Complaint: My bank is Capital One in XXXX XXXX, LA. I payed a merchant with my debit card. They ran it through as a credit card, but accidentally rang up the wrong amount. They immediately realized this, voided the charge, and ran up the correct amount. This was on XXXX XXXX. It is now XXXX XXXX and the original incorrect charge still shows in my account as pending. Because of this, that money is locked up. I have called the merchant and they say their system show the charge as voided. I called the bank, and they originally told me it would take XXXX to 3 business days. When it did not clear by then, I called again and they told me XXXX to 5 business days. They have nearly {$500.00} of my money locked up. I would like access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: This is rebuttal from Citi 's response. I did receive the letter however there was no payment history received!!! All I received which has been attached is only a typed letter from the company with date but there was NO evidence provided to back up the letter they mailed. I WANT TO SEE THE PAYMENT HISTORY. I was not asking about the release of debt I was asking for the actual payment history.

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 12-02-2015 about Credit card () with DISCOVER BANK (ND).
Issue: Identity theft / Fraud / Embezzlement

Complaint: For the past 3 months, I have been applying credit card from different banks and they all denied it. I signed up at credit karma to check my credit scored and I find out someone had used my social security to signed up credit card at Discover Bank. I called the bank to report the issue, they told me they will mailed me a report letter for me to sign and mail it back to them so that they can start their investigation. It 's been like 3 months now, no letter and I kept on calling them but they always tell me, they will mail it to me within a month but have n't received anything yet. The worst part is because they have my number now, they called me to inform me that I had taken credit card from them since XXXX XXXX, 2014 and I have n't made any payment yet. I want you to help me talk to them and resolve the issue so that, that thing will waive off from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (OR).
Issue: Loan servicing, payments, escrow account

Complaint: M & T Bank recently acquired my mortgage. I was notified by my previous lender. I did not receive any information from M & T bank until XX/XX/2017 by mail via a letter dated XX/XX/2017. Their payment system was non-functional until XX/XX/2017, 10 days after my payment was due for XX/XX/2017. I made a payment but had to do so between website outages which were explained to me as daily " maintenance '' outages. I have never encountered any banking website or payment website that has such frequent outages. 

On XX/XX/2017, I attempted to make my XX/XX/XXXX payment and again found their payment system non-functional. Although it allowed me to view my loan, attempting to make a payment redirected me to another site which redirected me back to my loan information page, providing no mechanism to pay. 

This will again force me to make a payment late due to the bank 's inability to accept my payment.

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 03/14/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (KS).
Issue: Unsolicited issuance of credit card

Complaint: I never applied for a credit card from Capital One GM Card yet one arrived in the mail with a $ XXXX credit limit. I do not want unsolicited credit cards ... ever.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am in a temporary re-payment plan with Navient and have noticed, my payment amount is for {$390.00} but when I login to the account, it shows my payment due is {$290.00}. I do not know what happens to this additional {$100.00} but what I do know is, I am afraid to call this lender and ask. Navient has me in a constant state of XXXX. Many of their customer service representatives have demeaned and debased me and I am uncomfortable speaking with them. My temporary payment plan is coming to an end shortly and there are no options available on their website about what to do, the website is directing me to contact them. I am not going to be able to afford a quadruple payment amount and am now quite concerned about the payment I will be making. If I make a payment amount, is it the true payment amount or is there another amount going somewhere else like the {$100.00}?

Company response to consumer: Closed with explanation