milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: My complaint : TransUnion crediting reporting agency refuses to allow me to access my free annual credit report online. 
Background : In XXXX I enlisted the assistance of the Office of the Missouri Attorney General to gain online access to my TransUnion annual credit report. On XXXX XXXX, XXXX, I was able to access the report online. In XXXX I skipped TransUnion. On XXXX XXXX, XXXX I attempted to access my free annual credit report from TransUnion online. As soon as I entered my identifying information, TransUnion 's system displayed a message refusing online access. Several weeks later, I received an unsolicited paper copy of the report, which is unacceptable : I want online access. 
Here is how the CFPB can help me:1. Please find out why TransUnion refuses to allow me online access to my free annual credit report ; and let me know the answer. 
2. Require TransUnion to allow me to have online access to my report each year. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-06-2017 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: Account information incorrect

Complaint: XXXX XXXX XXXX is still reporting that I an outstanding debt on my consumer credit file. This information is not correct. I would like this account deleted from my credit file.

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 12-08-2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Problems caused by my funds being low

Complaint: I am being charge for XXXX overdraft transactions, each of {$35.00} by my Bank without me being responsible of such. Just because it was posted. I try to speak to my bank about it with no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (MA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I did not receive a XXXX bill for my Target store card. I called to request a statement. When it arrived, they had added a {$27.00} late payment fee. I submitted a billing dispute for the late fee and included a check for the {$190.00} undisputed portion.
They have acknowledged receipt of my dispute and the check has been cashed at my bank. However, they did not remove the {$190.00} from my account and have continued to levy interest and late payment fees as well as sending a threatening collection letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-04-2017 about Credit reporting () with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Bank of America sent me XXXX credit card offers checks for no interest for 12 months and 3 % transaction fee. I accepted the offer and deposited XXXX check into my account. They started charging me interest on both accounts. I tried to argue and tell them that this was 12 months no interest offer. They did not agree to remove the interest and said the offer was not valid if you deposit the check on your name. They said it had to be deposited on someone else 's name. I said If I had read that then I would have certainly deposited in my wife 's name and do an online transfer to my account. I said, there is no where written in the offer that I can not deposit the check in my name. They wrote me a written mail that it was written on top of check that the offer is invalid if deposited to your name. I requested a copy of the check to verify and confirmed that there was no such thing written on the check ( check and their communication is attached ). I tried arguing as this is a fraud and stopped making payments on both cards. Ultimately they ruined my credit history. Please look into this as I seriously need to buy a bigger house as my mother lives with us and i only have a XXXX bedroom house with XXXX kids, my wife and mother. I have attached their communication and copy of the check

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 10-03-2016 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (TX).
Issue: Managing the loan or lease

Complaint: TDAF IS REPORTING A NEGATIVE ACCOUNT ON ALL OF MY CREDIT REPORTS THAT IS OVER 10 YEARS OLD. IN THE STATE OF TEXAS THE STATUE OF LIMITATIONS IS 4 YEARS ON COLLECTING OLD DEBT. TDAF NEEDS TO REMOVE NEGATIVE ACCOUNT ENTRY ON ALL XXXX MAJOR CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NH).
Issue: Other fee

Complaint: I had a credit card with MBNA for a number of years without issue. Somewhere along the way the card was taken over by Bank of America. At some point, I contacted them concerning my 1 % points since I heard about their 1.5 % ... after a lengthy discussion, there seemed no downside to update my card. After accumulating points for years, I requested a disbursement of the 1.5 % and was then informed that the actual amount was only .9 % ... in order to obtain the 1.5 %, I had to use toward a travel expenditure ( if I had originally known, I never would have signed up since I do n't use that card for such expenditures as well as use frequent flyer miles when I do my minimal travel ). I wasted my spouses time who dealt with my mother-in-law in order to purchase plane tickets for her in order to use the 1.5 % points and then hassled with the whole reimbursement process from my mother-in-law back through my spouse. I pay my credit card bill in full each month. So my only XXXX credit card charges on my monthly invoice were for that travel and used my 1.5 % points to timely payoff the balance of my account in full. Bank of America claimed that I did n't make a minimum cash payment so charged me a {$25.00} late payment fee ( i.e. due date was XXXX, made a {$25.00} cash payment on XXXX and statement closing date was XXXX ) ... their rationale was that I had made a charge on the following month. Be mindful, there was no balance due and then paid off my account in full for charges in that billing cycle. I believe that Bank of America not only was deceptive when claiming their card was 1.5 % points when actually was .9 % as well as unfairly charged me a {$25.00} late payment fee when I had paid-in-full with the travel credits. Apparently they no longer want my business, even though I believe I have been an upstanding customer for nine years, since when I discussed the matter with them, they had no willingness to waiving the unreasonable fee. Thank you very much for your efforts at the CFPB to assist consumers with credit card companies unscrupulous practices in the past. With Appreciation!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-01-2017 about Checking or savings account (Checking account) with BB&T CORPORATION (NC).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On the XXXX day of XXXX 2017 at approximately XXXX I arrived home and spoke with my wife. My wife stated my XXXX year old daughter whom has XXXX had stayed up after she fell asleep and purchased over 60.00 dollars on XXXX merchandise. I notified XXXX and without question was refunded. I notified XXXX whom the charges went through and was notified the transactions were already sent to the bank as there were not enough funds to cover the cost. I called the Branch Banking and Trust. I notified them there were to be 10 charges on the account which would total over 50.00. I spoke with multiple individuals and was advised to contact fraud. I contacted fraud and was told it was n't fraud. I spoke with the representatives again and was told to wait till the charges hit and they would be removed. I then sent money into that account which showed in the account today. 8 of 10 charges hit the same date the funds showed available in the account. I was assessed XXXX in overdraft fees. I returned the call to BB & T and was advised they could n't remove the fees and sent me to the fraud department. Fraud started a case number and told me to go to the bank and sign the documents. I went to BB & T and signed all the documents and returned the call to BB & T. I was advised a second department receives the faxes and it would n't be resolved today. I notified the representative of the other 2 charges that has n't posted and I needed the fees reversed to cover the additional charges that were going to post. The representative with fraud stated they could n't do anything at this time. I called customer service once again and spoke with them. I was rude this time and was told they would get a manager for me. The representative returned to the call and stated the manager said he could n't do anything. I was not able to speak with the manager at that time only accept the message the manager told the representative. This is not the first time I have received an NSF fee or multiples on the same date money entered the account. I have always be advised the charges are to be deducted but the money is still pending even though I have the right to use the money that is pending. Its funny that when the money is in the account I can use it for purchases but I 'm not allowed to use it for transactions that hit the bank. This is a complete unethical practice.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Other

Complaint: I received a phone call from XXXX. It was from Card Services. I waited on the line to speak to someone to tell them to remove me from the list. A man answered,. so I told asked him to remove me and not to not call back. He proceeded to say, I dot want to. I said again, remove me or I will report you. He said, I do n't feel like it, Give me {$10.00} and I will then remove you. So I told him I would report him, again, and hung up. I am on the National DO NOT CALL LIST! When you try to call the number above back, it goes to an automated recording, saying the person you are trying to reach is unavailable!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2015 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Customer service / Customer relations

Complaint: Barclaycards wanted to verify my identity after I made a large purchase attempt with my Barclay Arrival Plus credit card. They demanded some very sensitive documentations, e.g. copies of SSN card, driver 's license to be sent. I sent those documentations to the address they provided and have n't heard from them for 35 days. I called in multiple times to try to solve this problem. But their customer relation team just rudely denied any alternatives and kept suspending my account. I tried to jump out of this frustrating mess by paying off all the balance on the account. And yes, they allowed me to pay them while keeping me from charging them. They are even going to charge the annual fee for the card that I ca n't use because they did n't allow a suspended account to be closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-06-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit card protection / Debt protection

Complaint: I have had a Macy 's American Express card for a couple of years. Out of the blue this week I received a letter from Citibank that I have been enrolled in a Credit Protection plan that I never agreed to ; and in order to avoid being charged I need to call Citibank. I have never knowingly signed up for such a plan and believe this to be fraud on the part of Citibank and XXXX XXXX. I have canceled the card, but it is my understanding that these " opt out '' programs are not legal

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 09/19/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I do not understand what or why I 've been filed with the following agency. I tried contacting them but I have to call during working hours Monday thru Friday. I ca n't because I 'm at work during those hours. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX *this number is wrong. The correct number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Upon inspecting my XXXX Credit Report for Hard Inquiries, I found several items that I had never applied for, in this order : TD BANK XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX. 

I never authorized these companies to pull my credit information, and have never filled out any forms or applied for any of their credit services, yet they have all made hard inquiries on my credit report. 

I 'm not sure if they are someone else 's accounts and being reported on mine, as my credit reports do not indicate that I have accounts with these businesses ; only that they are making hard inquiries on my credit report without my permission and damaging my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/16/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: XX/XX/2016 I opened a Citigold Checking account offering XXXX Thank You Points for meeting the requirements. The promotion code that I used was XXXX. I met all the requirement on XXXX/XXXX/2016, and confirmed via chat that I fulfilled the requirements on XXXX/XXXX/2016. The customer service rep told me that I would get the Thank You Points within 90 days. On XXXX/XXXX/2016 I contacted customer service via chat to again confirm that I was eligible for the promotion, and to find out the exact date the Thank You Points would post to my account. The rep told me that the points would post by XXXX/XXXX/2016 at the latest. On XXXX/XXXX/2016 I contacted customer service again through chat because my points has still not been posted. The rep told me that they will post by the end of the month ( past the 90 days that was in the initial agreement, most likely to collect another $ XXXX monthly free ). The rep then opened an investigation as to why I have not gotten the points. In the chat session, the rep confirmed that I was eligible for the promotion and that I would have an answer within 2 days. I still have not received an answer as of XXXX/XXXX/2016. I believe that Citibank is just stalling in order to collect another monthly fee. I searched online and I see that many people are having this problem with Citibank. I feel as if I was purposely lied to in order to open an account, so Citibank could just collect fees from me. I have upheld my side of the agreement and Citibank did not.

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 12/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We are behind by 1 day on our personal loan from Onemain Financial in XXXX Pennsylvania. They call myself, my wife, and my mother ( whom does not live with us ) normally 20 times or more per day each. They have been doing this for four months now. They use multiple numbers, we have asked for them to stop harassing us they always get their money it 's never more then 21 days late ( 1 time ) mostly 7 days late, because they do n't allow us to change our due date. We make our payment which is supposed to be {$240.00} but we pay {$250.00} to allo {$4.00} to go towards the principal. He keeps telling us we are two months behind, however we are not. The calls start the day the payment is due and continue until the payment is made. We have had legal action threatened against us for being 1 day late! He told me that there was a {$7.00} charge that causes their system to assume we are 2 months behind but since we pay {$4.00} more every month that charge should n't exist. It 's more then a " system '' thing they physically dial the numbers and intentionally harass us because we do n't answer their numerous calls after we tell them when we will make our payment A date and time is given but the calls keep coming 20 or more times per day each.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Delinquent account

Complaint: Chase is reporting a balance due on XXXX credit card accounts they charged off that is impacting my credit score. Chase is reporting 146 % utilization on XXXX card and 134 % on the XXXX card, both are charged off credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Student loan (Private student loan) with First Associates Loan Servicing LLC (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I took out numerous loans for XXXX school from XX/XX/XXXX to XX/XX/XXXX. This is in addition for loans for my XXXX and XXXX education. XXXX of the loans that was taken out for XXXX school was from XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX, 1st Associates became the servicer of this loan. I received only an e-mail notifying me of this transfer, with no hard copies or attached documents. I completed forbearance paperwork while completing my fellowship, but the loan came into repayment in XX/XX/XXXX. I made a request to go to interest only payments in XX/XX/XXXX, and I was told I would be mailed the paperwork to complete this request. It never arrived, and I continued to pay my bill. I then noted that my interest rate was rising quickly, now 9.22 %. I decided to transfer the loan to a more reputable company who requested my master promissory note. I called 1st Associates to request this document, but instead got a letter in the mail stating, " Unfortunately, due to administrative error, we do not have a copy of your original agreement. Original contract terms are digitally uploaded into fields of our servicing database at account onboarding, guaranteeing a permanent record of the account details. '' This statement seems to contradict itself ensure presence of a document that they can not provide. I called again to request the documents and was told a request had to be sent through " Upper Management. '' I tried to find any contact information for XXXX XXXX ( which I think stands for XXXX XXXX ), but only find links to legal aid related to this company. I fear this may be a fraudulent company and am requesting help ensuring this is a legitimate lender before I continue to make payments.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX REPORTING A DELINQUENT ACCOUNT STATUS ON MY XXXX XXXX XXXX XXXX. I SENT 2 NOTICES REQUESTING VALIDATION

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (Other debt) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have told them repeatedly that I work during the day and ca n't have my cell phone. They continue to call me 5 times a day, and they try calling from different numbers hoping I 'll pick up which is misleading and fraudulent. I ca n't pick up the phone if I do n't have my phone with me!

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (I do not know) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2016 at XXXX cdt Springleaf collections phoned and left a message that XXXX XXXX wanted me to return her call about a debt. This was a robo call. 
On XXXX XXXX, 2016 I wrote to Springleaf on their internet portal. I told them that I do not have a business relationship them and never have. I then demanded that they cease and desist from contacting me. They called my phone and did not leave a message. 
Today, XXXX XXXX, 2016 at XXXX cdt the same robo call from XXXX XXXX left a message for me. I want them to remove my phone number from their call list.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Bank account or service (Savings account) with SCOTTRADE BANK (CA).
Issue: Deposits and withdrawals

Complaint: After being personally frustrated attempting to resolve an account hacking that likely occurred at a result of Scottrade 's recent data breach, I can honestly say I felt a strong desire to warn others about Scottrade 's behavior. 

If you are unaware, Scottrade requires you to sign an " Arbitration Agreement '' and prohibits you or Scottrade from using a court and jury to settle disputes. Instead, you are required to file Arbitration. 

In my situation, after my account was hacked and hundreds of thousands of fraudulent trades took place, I took all of the steps as outlined by Scottrade requests. I even got XXXX different police reports, multiple notarizations, etc, however, Scottrade stated that they will not refund money as a result of account hacks. 

I asked Scottrade how I could utilize the dispute resolution process with Arbitration because Scottrade does not include details of the arbitration forum or how to initiate Arbitration and instead responds with boilerplate letters that the issue should be resolved in the appropriate forum. 

I had previously asked Scottrade for a copy of the arbitration agreement and they refuse to respond. 

It seems to me that Scottrate unscrupulously, requires customers to sign an arbitration agreement but does not provide details on how to initiate a dispute via arbitration, effectively shielding themselves from all potential disputes and firmly stripping the rights of customers away. 

I can not put this more simply, if there is any dispute with Scottrade, they will provide a lacking and unhelpful response ( to please regulators who count papers ) and then direct you to Arbitration while simultaneously refusing to provide any details about the Arbitration. 

Perhaps unsurprisingly, Scottrade has engineered almost 100 % protection from any liability as a result of their wrongdoing. 

Do not do business with Scottrade.

Company response to consumer: Closed