milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/29/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: It has been two years and equifax does not allow me to pull my credit report. They told me that it is in the Dept of consumer affairs indefinitely. It has ruined my life. I can not shop for a mortgage or car or anything. And it is very difficult. They allow a thirty minute window for someone to pull it and then that window is closed. 
Please tell them to release my file. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mn XXXX acct XXXX checking XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX mn XXXX on XXXX XXXX 17 brought balance to XXXX gave him my cash card to cut up.he cut one slice opposite strip to slide in machine.he kept asking if I wanted direct deposit and I said NO I WANTED TO CLOSE MY ACCOUNT. I CALLED XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX.SHE SENT ME A LETTER DATED XXXX XXXX 17 SAYING MY CHECKING ACCOUNT ENDED XXXX THAT IS M, Y ZIP CODE.MY ACCOUNT PIN WAS CHANGED AFTER I LEFT THE BANK.i HAVE HAD THIS ACCOUNT FOR 30 YEARS.i ALWAYS USED THE ORIGIONAL PEN. I NEVER CHANGED THE PEN I DO NOT WANT DIRECT DEPOSIT I DO NOT WANT TO EVER BANK WITH WELLS FARGO AGAIN I WANT MY ACCOUNT CLOSED.i DO NOT HAVE A BANK CARD.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2018 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (OH).
Issue: Other transaction problem

Complaint: XXXX XXXX, 2017 I sent {$650.00} to friend in XXXX XXXX XXXX. The Western Union office in in XXXX XXXX XXXX. When he went to bank to receive the money, he was told there was NO transaction! A few days after, friend AND a customer service official from XXXX XXXX XXXX emailed me about this incident. Was told that the bank was HACKED, by XXXX terrorists AND the XXXX have hacked 10 banks in XXXX, including XXXX. They only HACKED Western Union accounts. I called Western Union about this incident # XXXX got the run around. THEN found a web site for Western Union problems XXXX one of the clerks gave me a NEW email address that I DID NOT receive from phone operator. I sent numerous emails about this issue, referring to incident # XXXX given me by Western Union. NO REPLY 'S from Western Union. Then I made a claim with state Attorney General 's office, believing the weight of the office would make a difference. Little did I know the Attorney Generals ' office informal Dispute Resolution process is voluntary and involves compromise. Western Union would NOT resolve this issue, according to email from Attorney Generals office

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I 'm sorry to keep bothering the CFPB with all my credit problems, but being XXXX XXXX XXXX XXXX XXXX and XXXX XXXX I have no choice. I call the credit bureaus and they get frustrated with my XXXX, and my writing looks like chicken scratch.everytime I look at my credit report I find more and more wrong.i found a reaged account in my old XXXX XXXX account with experian.i do n't want to wait any longer than I have to to put this ordeal behind 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 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I purchased a car in XXXX 2015 for approx {$12000.00}. I have a loan through my bank, XXXX XXXX XXXX XXXX, and I have been making on time payments for two years. This is not reflecting on my credit report. I have dealt with my bank for the past 6 months, at which they are telling me it is out of their hands, and has to do with the Credit Bureaus. I contacted XXXX and I was told it was my banks fault. My bank tried contacting XXXX, and they said they are unresponsive. I have worked very hard to have this loan and build credit. I have invested a lot of my time and energy into addressing this matter, and after a year of not getting anywhere I am now seeking other methods of help to get my loan to show on 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 06/23/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problems caused by my funds being low

Complaint: My account is overdrawn because it has overdraft protection and a surprise renewal was processed when the account was overdrawn. When I asked chase to remove the overdraft protection I was told that it would not prevent checks and/or debit transactions from posting to the account when it is already overdrawn. Seriously, do n't I have more control over my own account than that? If my account is overdrawn I do NOT want anything else paid until I get the account back in the black.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: Is reporting a late for XXXX account # ending in XXXX for XXXX XXXX Kindly remove this late as I had 30 day window to pay this bill from the due date of XXXX XXXX XXXX. Payment had to be received within the 30 day window from that date and was. 
Payment was made on XXXX XXXX, XXXX only 24 days after bill date. All in accordance with FDCPA. 
Attached are bills and payments for this account. 
After this complaint XXXX and XXXX, EXP, XXXX have updated a late to XXXX XXXX. 
But in XXXX XXXX payments were on time. 
Thank you, XXXX XXXX XXXX # XXXX D.O.B. 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 01/18/2018 about Student loan (Private student loan) with AES/PHEAA (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: OnXX/XX/XXXX my student loan service was transferred to AES. Previously my loan servicer was XXXX. My XXXX bill was paid electronically to XXXX ( {$300.00} amount ) and cleared thru my bank on XX/XX/XXXX. My loan was transferred to AES as stated much earlier, XX/XX/XXXX. My account was then handled by AES and I also paid them {$300.00} for XXXX.bill, not realizing at the time that XXXX cashed my payment, 2 weeks later. I have called XXXX  many times and they told me they would be forwarding the {$300.00} to AES which apparently has n't happened. AES has denied seeing any additional payment. Both companies will not tell me what happened to my additional payment of {$300.00}. I have called both companies and both tell me to call the other. XXXX has been adamant in saying they they transferred funds but it has n't happened. And they have been somewhat hostile with my questions. Any info would be helpful. 

Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/16/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: I previously reported issue with CFPB. The same unethical practice has happened again despite receiving a letter indicating they were changing their policy in XX/XX/XXXX. I suppose it has n't happened yet and they are still processing transactions high to low instead of order they are received. But what really concerns me is that today on my statement there is a line item that says {$35.00} " debit card authorization ''. I have not used my card so when I called to inquire they said it was an overdraft fee. Talk about deception. I was concerned someone used my card but instead it 's the bank disguising fees!

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit reporting () with FIRST ADVANTAGE CORPORATION (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I applied for a position with XXXX XXXX XXXX ( XXXX XXXX XXXX ). I authorized XXXX to obtain information from a third party, First Advantage consumer reporting agency. First Advantage reported inaccurate information on XX/XX/XXXX. XXXX sent a letter to me dated XX/XX/XXXX that they may rescind my job offer based on information submitted in the report by First Advantage on XX/XX/XXXX. XXXX told me I had 5 days from XX/XX/XXXX to contact them to dispute the accuracy of the First Advantage background report. I contacted XXXX by email and phone on XX/XX/XXXX and told them that the information received in the background report by First Advantage was incorrect and that I was disputing the accuracy from First Advantage to XXXX as well as First Advantage. I then contacted First Advantage on XX/XX/XXXX and put in a dispute ( dispute # XXXX & XXXX ). On XX/XX/XXXX, I received an email with a copy of a letter dated XX/XX/XXXX from XXXX that XXXX made a final decision to rescind my job offer. This decision was made before they even received the updated dispute information from First Advantage. First Advantage completed their report on XX/XX/XXXX. First Advantage did not even submit the update information to XXXX until XX/XX/XXXX. On the original background report dated XX/XX/XXXX, First Advantage reported outdated negative information to XXXX that was more than seven years old on my criminal background. They reported inaccurate information on " Search Type-Felony and Misdemeanor Record Search '', Case # XXXX, " Case Date '' was outside the seven year search period as requested by XXXX. Additionally the " Sentence '' was reported inaccurately. First Advantage submitted update to XXXX on XX/XX/XXXX after XXXX had already made their final decision to rescind my job offer and did not even bother to review nor consider the mistakes made by First Advantage because they had not received the updated report submitted by First Advantage to XXXX on XX/XX/XXXX. I believe that because of the inaccurate information submitted by First Advantage on my criminal background on the 1st report, this caused XXXX to make a biased decision on my character which caused my job offer to be taken away. I also think that XXXX made an unmerited decision without the correct information of my background history and gave me the impression based on the letter I received from Human Resources Client Manager, XXXX XXXX that the final decision to rescind my job offer would be based on the updated information received from the consumer report after the dispute was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On behalf of Citibank, a debt was settled through XXXX XXXX , XXXX . Some months later, XXXX XXXX XXXX , XXXX tried to collect the same debt. I wrote to XXXX XXXX explaining their error and received no response. XXXX XXXX continues to send mail demanding payment. 

Attachments : 1. My letter of explanation to XXXX XXXX 2. XXXX XXXX 's demand for payment 3. Settlement letter from XXXX XXXX 4. Canceled check sent to XXXX XXXX with reverse stating " For Deposit Only, Citicorp Credit Services ''

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 10-11-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The addresses on the credit report were said to have been removed but are still reporting. My name is also spelled incorrectly.

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 07-04-2015 about Mortgage (Home equity loan or line of credit) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted a complaint about CAPITOL ONE, regarding Home Equity Account # XXXX on XXXX/XXXX/2015. This is an addendum to my previous complaint. 
Please see the letter attached, which I am sending to Capitol One today. It details the arbitrary changes they have made to my account since my conversations with them last week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2015 about Debt collection (Payday loan) with Concord Resolution Inc (Closed) (KY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Received several harassing phone calls from persons saying they work for Concord Resolutions , Inc in XXXX NY ; however they gave a number unrecognized by XXXX XXXX or XXXX for me to call back. Caller stated that they had a client who named me as a person of interest in a legal matter. So I called back and they stated I owed a payday loan from XXXX 2013 from XXXX that was sold to their client XXXX in XXXX 2013. I asked why did it take so long and the representative stated because they tried to resolve the matter and I never responded. I have always responded to any debt I have. Apparently they called my brother and my mother ( I never give out their information nor list them on anything ) so that is a red flag. But the person stated they are going to garnish my wages if I do not make arrangements with them within 48 hours. If no response then they would send it for further legal action to be completed including jail time.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have disputed with the bureau about a bankruptcy in file. They informed me that XXXX have them the information. XXXX in formed me that they did not share any of my information with and credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Privacy

Complaint: I presently have a credit card with Best Buy ( Citibank is now the lender for this card ). I am presently late with my payment due to a change of salary from my primary employment ( which is struggling ). The issue I encountered with the bank is this morning they contacted my parents home asking to speak to me regarding my credit card. My mom who just was released from the hospital after a month took the call. First of all I do not live at my parents home. My application DOES NOT have my parents number listed as a contact. I do know how they obtained this number. I have been a customer of Citibank for approximately 18 years - holding several checking accounts with them. This branch went into my personal banking files where I know I listed my parents as a reference. I understand a credit division has the right to contact me in this instance, but I DO NOT feel they have the right to " fish '' into my personal banking information and obtain a family members number. Is n't this against the Fair Debt Collection Practices Act? I would appreciate any investigation into this matter. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a loan with XXXX XXXX XXXX. I set up and auto-pay online. I assumed all was well until I received notification that my account was delinquent. They never emailed me on this matter even thought they do have my email address. They said they called but never reached me. The moment I found out about this I rectified the issue. Now my credit report shows a 30 day delinquency even thought their website failed to process my auto-pay. I have a 30 year credit history with no delinquencies. I would like this resolved due to the error on their side and their lack of contacting me to give me a chance to resolve the problem prior to going to the credit 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 10/21/2017 about Debt collection (Other debt) with Duvera Billing Services, LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On the date of XXXX/XXXX/XXXX I had transmission work done on my XXXX XXXX truck by XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX, XXXX, CA XXXX, XXXX, independently owned XXXX XXXX. My total cost of the repair was {$3700.00}, I paid {$1200.00} down, which me a balance of {$2500.00} The owner told me about this company called XXXX XXXX and if I could pay them off in 90 days I would not be charged any interest, he told me the interest was high but failed to mention it would be 152 %. I never got a written statement disclosing the finance charges, the next thing I knew they took a payment from my account without my consent. They send me an email right when they where taking my money. 
Company name is XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, ( XXXX ) XXXX I was told by my legal representative to contact you concerning this 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 10-06-2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (LA).
Issue: Loan modification,collection,foreclosure

Complaint: 1. bought a house ten years ago. With recent flooding events in my area, I discovered the reason my house took on water was because my den, sunroom and carport are all built on unreinforced concrete ( no rebar ). Engineer assessment determined it structurily unsound and the only solution is demolition and rebuild. Have contacted mort. company and they want all kinds of info, banking, salary, tax forms, IRS forms, etc. Although I can afford my mortgage, there is no way I can afford demolition and rebuild. I asked them to go with a Short sale, or Deed in lieu of Sale. If I ca n't afford the work to be done, I will have to walk away from my mortgage. Either way I lose. Can anyone advise or 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 02-12-2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (OR).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XX/XX/XXXX, I paid a bill on my XXXX 's credit card early using my bank account. I also had autopay active from a different credit union account. Although XXXX 's autopay says that autopay will be adjusted not to exceed the statement balance, they nonetheless tried on XX/XX/XXXX to debit my credit union for the amount of the bill that I had already paid and owed nothing on. My credit union account did not ( nor did it need to ) have the funds needed to pay this non-owed amount, so I was charged both a {$27.00} fee by XXXX 's and three separate {$25.00} fees by my credit union. These fees were the fault of the XXXX  's credit card for billing me twice for the same bill. When I complained to XXXX 's on XX/XX/XXXX, they refunded my {$27.00} fee. It was only later that I discovered the {$75.00} in credit union fees XXXX 's had caused to be incurred, so I complained about these in another message dated XX/XX/XXXX. I was asked on XX/XX/XXXX to mail or fax them a copy of my credit union statement to request a refund. I did so. When I found no change had been made, I contacted them again on XX/XX/XXXX and asked for an update. They informed me that my request had been denied because they " do not refund overdraft fees '' ( although the fees in question were in fact return charges, not overdraft fees ). When I reminded XXXX 's that the fees were entirely their fault due to their mistaken billing of my account, they provided no assistance. The point of all this is that XXXX 's is at fault for billing my account mistakenly and causing fees to be charged to me and they will not make it right. Furthermore, if they were not going to help with this, they ought not to have requested that I waste time and postage mailing them a credit card statement that they were just going to throw away.

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