milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/23/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I went to try and get a apartment for the XXXX time because i am ready and i got declined because they said i had broken leases. I have never rented a apartment in my life. I am XXXX years and now my credit is jacked up. I thought back of what could have happened and my whole life was stolen from me i have to get a new everything. I really need your help please contact me!!!! Im too young to be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have written countless emails and sent faxes requesting TransUnion to fix my address over the past 2 months. During a conversation on XXXX XXXX with, XXXX XXXX, I was told that the address was fixed but it still appears incorrectly and is preventing me from monitoring my credit with my preferred monitoring service. I have TransUnion monitoring service and it is incorrect in that service as well. My address should read : XXXX XXXX XXXX, XXXX, MD XXXX. Transition has address listed as : XXXX XXXX XXXX XXXX, XXXX, MD XXXX because I was forced to place numbers before the address in the online dispute form. Please fix the address so that it appears correctly for monitoring purposes with TransUnion, XXXX XXXX, XXXX, etc. 

I was told in writing by TransUnion that it was the law to allow anyone to pull my credit and I have no defense against random pulling of my credit report. I was notified in writing by TransUnion that my credit file is basically public record and anyone may pull the file without my permission or knowledge. TransUnion has their own interpretation of the legislation that governs credit files and the sometimes sensitive information it houses. I do not agree with anyone at anytime being allowed to pull my credit without my permission or knowledge nor is it legal or permissible under the FCRA. I am requesting again with for the XXXX XXXX inquiries to be removed from my credit report. Please see attached for supporting documentation from 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 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Dear CFPB : When I went to check my Credit Report and FICO Score I noticed that I had over 13 late payments for my mortgage. I have an automatic payment plan with my bank that pays this mortgage payment on time every month for the past 10 or so years.
<P/>
I sent a RESPA Letter to   XXXX   XXXX   XXXX   XXXX   and when I received their response it was incomplete but showed that when then took over   XXXX   XXXX   XXXX   Account 's ...   XXXX   XXXX   XXXX   XXXX    was receiving payments but NOT posting them timely to my mortgage account. In addition,   XXXX   XXXX   XXXX   XXXX   withdrew every penny I had in escrow to cover fees that they said I occurred for the 'late payments '.
<P/>
I asked them to correct this information over a year ago and refund the escrow monies. I have not heard a word.

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 04/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In addition to complaint ending XXXX, I have XXXX other accounts that are with XXXX XXXX XXXX XXXX that I am current on that are showing XXXX60 days late. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit card () with CITIBANK, N.A. (CT).
Issue: Billing disputes

Complaint: I went to XXXX with my family on XX/XX/2017. A male staff member at the resort was caught by me and my XXXX year old daughter, XXXX, and he was blushing. This caused my daughter to be afraid and not want to go to the food court again. Later in the trip while I was away from her and my XXXX year old, while they were in the arcade, another man was caught standing behind her in what was an attempt to speak to her. I interjected, and the man said he " had no children or grandchildren, but it was too late to start now ''. I asked XXXX to call security and they responded that it was probably nothing and they would call security at the end of the shift and document my concerns. When I spoke to the manager at XXXX, they said that this was nothing they would apologize for. I then put in a dispute with Citibank, since the vacation was charged on my double cash card. They then came back to me and stated they wanted a letter from XXXX stating I was owed a credit. I do n't understand this.. I am disputing the bill because I did not get vacation. XXXX 's own web site shows that there are contractual rules for non-disruptive and non alarming guest behavior --. But then Citi turns around and says they want something from XXXX -- whom I clearly identified as a party that is non-apologetic -- that they want a letter from them stating I am owed a credit. This of course, will not happen because after being presented the final bill, XXXX called me to say that I owed an additional {$300.00} for purchases they missed when they gave me the final bill. And now that the dispute of {$670.00} or the {$3900.00} I charged is not going through -- and Citi wo n't assist me with it -- I am now over my credit limit. Why have a dispute group if they are just referring me back to the merchant?

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 12/22/2016 about Payday loan () with Big Picture Loans, LLC (MD).
Issue: Charged fees or interest I didn't expect

Complaint: I have made multiple payments on a payday loan that I took with Big Picture Oans out for {$700.00}. Since I 've been paying none of the money has went toward the loan or fees, it 's only been going towards interest which does n't lower the amount that 's owed. The interest rate is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a Bank of American account that become delinquent and then charge off for XXXX. On XX/XX/XXXX, I paid the full balance and closed this account with Bank of America. Bank of America updated the balance to paid with a XXXX balance on XXXX and XXXX. XXXX  did not update the balance to reflect this change so I sent a dispute to XXXX. On XX/XX/XXXX, I received an alert from XXXX monitoring that showed the investigation was completed and the account was verified and reported a delinquent status for the balance that I have already paid. I then tried to initiate a dispute online but the system will not allow me to. I have attached a check showing that the amount was paid and debited out of my checking account on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2015 about Credit card () with CITIBANK, N.A. (MI).
Issue: Other fee

Complaint: I had a Sears Card ( Citi Card ) that i never used that Sears charged a snowblower warranty charge to. I never got a bill from Citi Card but months later i got a " my account is delinquent '' call which i then informed Citi Card that i never activated the card and it was still sitting in the envelope and that Sears charged the wrong credit card. The Citi Card Manager and Customer rep were able to remove XXXX of the XXXX month late fees and i paid the entire bill off while on the phone with them and also closed/canceled the card since i never used it nor was i going to use it. This is XX/XX/XXXX. XX/XX/XXXX i got a call that i owed like {$14.00} or {$18.00} for additional fees on this account that i fully paid off and closed. The customer rep was able to remove {$10.00} or {$14.00} but had to put a request in for the remaining {$4.00}. He saw the account activity and said it was a problem with Citi 's system and that i t is not my fault that after closing the account the system was charging me additional fees. Apparently the request for the last {$4.00} did not get approved as i was called by a collection company, XXXX XXXX XXXX today. This is ridiculous that after XXXX months i am still having to deal with Citi Card 's system issues and {$4.00} on a fully paid for and closed account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/28/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Credit decision / Underwriting

Complaint: We are in the third month of the mortgage loan process with no end in sight. We are purchasing a home and the seller will not extend the contract after XX/XX/2016. We have quickly responded to any documentation needed by the lender and we are still waiting for loan approval and loan documents. We have also been told that the loan interest rate and costs will have to be changed after we were told that they would honor their original commitment.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Consumer Loan (Vehicle loan) with PNC Bank N.A. (NY).
Issue: Managing the loan or lease

Complaint: I financed a car through PNC bank. I was required to open a PNC bank account when opening the loan account and keep a minimal balance there to cover the loan payments. As a responsible consumer I also singed up for automatic transfers from the bank account to the loan account on the payment date. 
After the first month, I noticed that there were XXXX transfers out of the bank account. This also caused me bank fees for the overdraft. I contacted PNC bank to complain. I was advised that I probably made the payment twice. I said that this was not correct, as I had only scheduled it once. They said that they would reverse the extra payment and fees. 
The next month, PNC again withdrew the payment twice. This time they also charged me a {$30.00} fee on the loan ( I assume because of the reversal ). 
I contacted PNC again. This time they told me that PNC automatically withdraws money from my bank account. I told them that without my permission it is fraudulent to do so. They said that it was in the contract. I said that they never advised me about the automatic transfer ( without my permission ) the first month and had they done so, I would have cancelled the auto pay that I set up. In addition, right after receiving the car, I had contacted PNC for a copy of the contract as I wanted to make sure I had the full copy, and there was no mention of an autopay in the contract that they mailed me. 
PNC said that they would look into it and reverse the charges. I have not heard back since. In addition, in order to reach them, I have had to call many times, send many email, and they rarely reply. What they are doing is Fraud and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Seterus Inc. is the service provider for my mortgage. I applied for a HAMP modification in XXXX and was offered a streamline modification by Seterus in XXXX. At the advice of XXXX they told me to start the streamline offer until we hear from XXXX. Apparently I have been approved. Since then, I have called to get answers on why their ( Seterus ) system has not updated my loan and they have hung up on me, put me on hold for long periods of time, and given the complete run-around when I ask direct questions. I was told by someone there, that the new modification was deleted by an unknown source and I was out of luck and if I missed payments on the streamlined offer, I would be foreclosed on. I also asked to speak with supervisors on every occasion and was rudely told that was not going to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion is incorrectly reporting a loan account as open with a balance despite being contacted by both me and the creditor, XXXX XXXX XXXX XXXX, and notified that the account is paid and closed. 

I 'm attaching the most recent letter from the creditor that the account is paid and closed.

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 05-12-2016 about Bank account or service (Other bank product/service) with SUNTRUST BANKS, INC. (VA).
Issue: Making/receiving payments, sending money

Complaint: SunTrust Mortgage deposited/cashed the check earlier than the date written on the check, then caused an overdraft fees charged by my bank. 
Our monthly mortgage due deadline is on XXXX XXXX, 2016. I mailed a check in the first week of XXXX, but I made the check dated on XXXX XXXX, 2016. SunTrust Mortgage cashed/deposit the check on XXXX XXXX, 2016. Because there were insufficient funds in the account on XXXX XXXX, 2016, our bank charged a {$30.00} fee for overdraft. 
I went to our bank and our bank told me that SunTrust should not bank that check until XXXX XXXX, 2016. I then called SunTrust Mortgage and tried to resolve this matter. All I was told that SunTrust Mortgage processed the payment electronically on the date the payment was received thus there was no way SunTrust Mortgage could do to prevent such thing happen again. 

Here is the problem, the customer/consumer, in our case, could mail the payment a few days later, then SunTrust Mortgage would charge a late fee if the mail arrived late than the due date ; if the customer/consumer mail the payment early but date the payment before the due date, when SunTrust Mortgage can cashed/deposit the check regardless the check 's date whether it is for yesterday, tomorrow, next month or next year, just because it is process electronically. On the other hand, if any consumer tries to bank a check is dated for tomorrow, any bank in the US will not allow such check to be deposited or cashed until tomorrow. How come SunTrust as a bank can be treated or practice differently. I believe SunTrust Mortgage 's practice put all consumers at great disadvantage and we as consumers are at lose end no matter what and we have no way to assert our rights. I do n't believe this kind of practice is done by SunTrust Mortgage only, and I am not the only disadvantaged consumer/customer. 
SunTrust or any other bank can definitely do something that is not taking the advantage of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (NV).
Issue: Loan modification,collection,foreclosure

Complaint: We stopped making mortgage payments starting in XX/XX/XXXX after my wife lost her job. Due to income setback we requested a loan re-modification with OCWEN Mortgage. We started working with a real estate agent who assisted with the paperwork. Once OCWEN was satisfied with the documents they kept requesting, they set trial payments of {$1100.00} for 3 months then the payments would drop to {$1000.00} till XXXX. OCWEN called stating the 3.75 % interest rate will be changed to 3.875 % and the payments will now be {$1200.00} and they have no knowledge of the {$1000.00}. When asked who required the change the rep stated it was the V.A. I checked with the V.A. and they stated they have nothing to do with this and that they have not had a report from OCWEN since they took over the loan from XXXX XX/XX/XXXX. We do n't believe OCWEN should be able to change things after documents were signed and notorized.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Consumer Loan (Installment loan) with Focus Holding Company (CA).
Issue: Managing the loan or lease

Complaint: I have never had an account with the XXXX cable that my debt originated from. They sent my case to Focus RM collections, and I ca n't get a hold of anyone to resolve the issue! I 'm so frustrated and confused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Payday loan, title loan, or personal loan (Installment loan) with Risecredit, LLC (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Sent dispute to company and never received a response back. Letter was sent certified.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I have had immense difficulty in trying to freeze my credit with all reporting agencies. After the hack that stole data from XXXX freezing my credit should be free across the board at minimum. XXXX yet, they should automatically freeze all credit until you unfreeze it.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX used inadequate security countermeasures to protect my most sensitive personal information. As a result of their lackadaisical attitude to online security, my most secure personal information has been compromised. 

Now I must pay to put a credit freeze on my account -- this is unacceptable. Almost half the citizens of the United States have had their most sensitive information compromised. 

This is a clear example of the need for more government safeguards on Equifax and other financial reporting agencies. They have collected my personal information without my consent, safeguarded it improperly, compromised and distributed all my information, and now are attempting to profit off their own failings. 

This is as wrong as it gets.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NM).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Hello, I had a high balance on my American Express Credit Card in XXXX XXXX. I made 3 payments as follows for the month of XXXX : Friday, XXXX XXXX - {$130.00} Monday, XXXX XXXX - {$130.00} Friday, XXXX XXXX - {$11.00}. XXXX These 3 payments totaled {$11000.00}. At this time American Express charged another {$200.00} in interest. I called an spoke with a rep of the company on Friday, XXXX XXXX and she stated she would have this charge refunded on my account because of the 3 payments made in less than a month. 

The following week I checked my account and saw that the amount had not been refunded. I called and spoke with another rep on Tuesday, XXXX XXXX and he stated that nothing was notated on my account and they would not be honoring the credit. Furthermore, he stated all that was entered from the call on the XXXX XXXX was the rep " entered something '' and it was " denied ''. 

I paid off my account with the company and the stated they would credit the interest charge as there were 3 payments and now they have no record of this promise. I find it hard to believe that there is no recording or better detail of the call to what I was promised. I found that the company is gouging and attempting to gain any dollar amount from a consumer even when they pay them almost {$12000.00} in a month.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Advertising and marketing

Complaint: On XXXX I reviewed the suggestions on increasing my open credit accounts. Since I had only XXXX reported account ( I have little credit, to date have been a cash and carry ) and I was looking to expand per the suggestions on XXXX. American Express Blue was a suggestion for people like me. So I applied and lo and behold I was denied for too few accounts. I voiced my concern to American Express that they were advertising on a site for people like me then denying me for the very thing I applied to them for. This is a tragedy XXXX and American Express XXXX should be in sync for what they advertise as the product being touted to the consumer. Very dissatisfied and concerned. False advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Debt collection (I do not know) with Armcon Corp (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt collector calls me everyday, not just once a day, but multiple times a day, including weekends. They ask for XXXX different names that I have no connection with, and do not know. They are very rude over the phone, before I can explain to them that they are calling the wrong number, they hang up and I can never explain it to them. When I call back to see what they are calling for, they will not tell me who they are and what company unless I first tell them my information. So I had to backtrack their phone number to find out who they are. 
They company is Coachella Valley Collection Service Located in XXXX XXXX, CA Phone number : XXXX

Company response to consumer: Closed
Consumer complaint received 02/15/2017 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have notice per credit report that XXXX XXXX reports that I owe XXXX for cellular services. I have never had an account with XXXX. They have not sent me any documents nor was I provided a contract with my signature or acknowledgement of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief