milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed incorrectinformationon my credit file from XXXX XXXX XXXX. this company is reporting an account that I 'm not aware of from XXXX which is claimed to have been openedby my XXXX XXXX. It is being reportedon my file as a duplicate account. I disputed with the creditor as well as the credit bureaus but has failed be removed. Because I have n't heard fromXXXX XXXX XXXX and it 's been over XXXX days I disputed with CFPB whom response was that XXXX XXXX XXXX did NOT respond to them as well. Now I have decided to add in the credit bureau to get my file corrected

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Mortgage (Conventional fixed mortgage) with TD BANK US HOLDING COMPANY (PA).
Issue: Settlement process and costs

Complaint: TD Bank changed the amount of transfer taxes on the day of settlement. 

TD Bank was disclosed the proper amount on the original purchase and sales agreement and only listed 1 % on the GFE rather than the 2 % listed on the purchase and sales agreement. On the day of settlement, they changed the amount to 2 % increasing my closing cost. There was never any change to the transfer tax amount through the entire process. 

TD Bank is stating they were allowed to make this change.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I previously had an investigation into accounts reporting incorrectly on my credit report in XX/XX/XXXX.  Equifax could not validate the debts and therefore removed them from my credit reports in XX/XX/XXXX.  Equifax has experienced yet another security breach. I noticed the items that were previously have reappeared on my credit report. There was no notification which is in violation of the FCRA. 

The accounts are 1 ) XXXX XXXX XXXX {$3400.00} 2 ) XXXX XXXX {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX is reporting a debt that is not mine, I never lived in the state or the address that the account was opened. The debt is {$400.00} and I have contacted both XXXX and the XXXX XXXX and has not received a response to my compliant.

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 02/15/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Settlement process and costs

Complaint: We purchased this property in 2002. Now we want to sell it and move to Florida due to health issues. We are unable to do this, as there are XXXX undisclosed liens on the house and no one seems to be able to resolve this issue. Both the closing attorney and the agent are telling me that they have no files or information that can help me. The only party who seems to have any records regarding this is the DMV where the XXXX liens are showing. The title company is not helping either ( letter attached ). Bank One ( seller of property ) has proved to be impossible to reach. The original contract states that they ( Bank One ) has granted a clear and marketable title. Please, help.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I reviewed my credit report from experian and saw that a telephone # XXXX is listed as my residence. This is a family residence and I do not live there. The correct residence telephone # is XXXX only.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2017 about Bank account or service (Savings account) with CITIBANK, N.A. (OH).
Issue: Account opening, closing, or management

Complaint: I opened a CitiBank XXXX Savings account with {$25000.00} on XXXX/XXXX/XXXX with new money to Citi. I opened the account under a special offer, which states that I will receive a {$300.00} cash bonus as long as the money is deposited between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. The deposit should also be maintained until XXXX/XXXX/XXXX. I met this requirement and kept the funds in the account until XXXX/XXXX/XXXX. After not receiving the funds, I opened a case with Citi on XXXX/XXXX/XXXX. The case number is XXXX. Since opening the case, I 've also spoken to several people who have been unable to help me. I 've spoken with XXXX XXXX XXXX ) on XXXX/XXXX/XXXX, XXXX XXXX XXXX ) on XXXX/XXXX/XXXX, and XXXX XXXX XXXX ) on XXXX/XXXX/XXXX. I do have screen shots of the account opening disclosures indicating the bonus has been added to the account and the terms and conditions. I have received very poor service from Citi. They have been unwilling to help me. They have also suggest going into a branch, which is impossible since there are none located in Ohio. I would like my account credited the {$300.00} that 's due to 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 non-monetary relief
Consumer complaint received 11/22/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Delinquent account

Complaint: I opened a Sears MasterCard over the XXXX while shopping at Sears. I made one time purchase only in the amount of {$340.00} on XXXX/XXXX/16 and paid balance in full XXXX/XXXX/2016. I closed the account in XX/XX/2016, never use same account for any other purchase, did not even activated my Sears MasterCard when it arrived. 

However, multiple unauthorized transactions showed on my Sears MasterCard statement after the account was closed. I called Sears MasterCard at least four time during past several months ( XX/XX/2016, XX/XX/2016, XX/XX/2016 and XX/XX/2016 ) to clarify the fact that my account was closed, none of the transaction was authorized by me. I was told every time on the phone, they will dispute the transaction and credit back full charges on my closed account. but months afterward, instead of credit back my account, I still have overdue on the account and affected my credit score significantly ( I was XXXX in XX/XX/2016, now only XXXX ). I called Sears MasterCard today, the phone ca n't evan go through ( seems line get disconnected ). 

I am extremely disappointed with Sears MasterCard by Citi. Feel like 1 ) my personal information leaked out during credit card application, which later on lead to credit card fraud. 
2 ) citi card / Sears MasterCard allowed fraud happen repetitively on a already close account 3 ) custom service system is a total disaster, completely disconnected : no record for prior customer phone call, no following phone call on already problemed account, not even answering phone call eventually ... 

I am requesting a fair and final response from Citi Cards / Sears MasterCard.

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 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: Obtained free annual credit report from Transunion on XX/XX/XXXX. The high balance in the report for a credit card was {$13000.00} from XX/XX/XXXX to XX/XX/XXXX with a credit limit of {$24000.00}. That is a utilization ratio of 56 % which is WAY more than the 30 % utilization ratio recommended for good credit score! That number is nearly double the correct value of {$6000.00} for month XX/XX/XXXX which is a utilization ratio of 25 % ... under the good credit criterion of 30 %. The report itself shows the account balance for every month between XX/XX/XXXX and XX/XX/XXXX ( see attachment 1 ) with the value of {$6000.00} for XX/XX/XXXX. I filed a dispute with XXXX bank about the high balance being wrong. Their reply was that they had provided accurate monthly data to Transunion and had no control over how Transunion stored and used the data. I then filed a dispute with Transunion about the high balance being wrong. Their revised report still had the value of {$13000.00} BUT also removed all the monthly balances which demonstrated that the {$13000.00} was wrong. I then refiled the dispute. The reply to the refiling was " VERIFIED AS ACCURATE ''. Attachment 2 shows the report dated XX/XX/XXXX shows the incorrect {$13000.00} with NO monthly balances to show the value is wrong ( see attachment 2 )

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 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Seterus, Inc. (ID).
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: On X/XX/2017 I submitted certified letters to the credit reporting agencies XXXX, XXXX and XXXX to investigate a mortgage being shown on my credit report. I also submitted a certified letter to the mortgage lender Seterus. I received responses from the credit reporting agencies but not from Seterus. The credit reporting agencies said they were not able to make any changes to my credit report. The mortgage is causing my credit score to be impacted severely due to late payments. The mortgage should be solely listed under my ex-husband and not under my name as I have not been responsible for it for over 6 years.

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 04-06-2017 about Credit reporting () with Experian Information Solutions Inc. (MS).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I recently visited Experian, XXXX, and XXXX websites and purchased the credit score and reports products. The issue is that when I apply for loan through a lender all XXXX credit scores were completely different and drastically lower than what the website showed compared to what the lender provided me with. I contacted the XXXX credit bureau 's and they told me my score was based off educational score which when explained to me did not make sense. I then contacted lender and went to there office provided the online scores from each credit bureau 's. The lender explained that scores would vary but should n't have varied that much. Experian shows XXXX actual XXXX ; XXXX shows XXXX actual XXXX ; XXXX shows XXXX actual 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 11-02-2015 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (WI).
Issue: Account opening, closing, or management

Complaint: Soon after I filed for Bankruptcy, I was denied full access to the USAA website with the words " According to our records you filed bankruptcy and we can not collect certain debts. To obtain access to your existing accounts you may log on by clicking proceed below. '' Printed in red every time I attempt to log in. 
I am then redirected to a stripped down version of the website, basically a mobile site, with my full account information including full account numbers visible to the public when I check on my existing accounts. 
They claim, they do this to limit the possible chance of USAA accidentally extending further credit to those who filed bankruptcy. I call that a lack of professionalism and they make their members pay for USAA 's inability to perform a minor task as USAA can accurately access any current or future member 's credit worthiness via the credit reports, as that is what they are used for ; they do not need to limit access and further humiliate their membership in such a way and continued practice will result in Discrimination charges against USAA. As they seem to be punishing anyone for falling on financial hardship and not being able to pay their debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: I opened an account with Bank of America on XXXX 2015. On XXXX I deposited a check from my XXXX account and they had the money within any problem. On XXXX XXXX I deposit a check for XXXX from XXXX too because my employer deposits my salary direct on XXXX. Well, XXXX paid the check to Bank of America on XXXX XXXX but now Bank of America is holding my money up to XXXX. I ca n't understand why they are holding my money if the check was paid to them. That 's unfair because I had to wait XXXX days in order to get paid from my company, it 's an abuse that they make me to wait XXXX more days

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I got paid this passed Friday XX/XX/17 and I 've been trying to use my app XXXX to cash out from my next check but they 're stating that my bank info is n't being sent to them. Im aware that my account is current but for some reason they ca n't access it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I received new credit cards ( old ones expiring XX/XX/18 ). Before activating these new cards I went to USAA member access to review charges, payments, interest and make an online payment. However, the XXXX XXXX was no longer listed among my other accounts. After, several attempts to access the account through alternate web site navigation I gave up and initiated a chat session. The USAA chat agent was unable to locate the account either and referred me to an XXXX  number. I explained it was not my job to find USAA 's lost signature visa account, would have my family switch to another credit card we have and that a USAA customer service manager could call me when / if they were ready to make it right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a collections notice on my credit report from XXXX XXXX. On XX/XX/XXXX, I called and asked them about it and they said that the collections was n't with them anymore. They recalled the collections back to XXXX, the original holder. I called XXXX the same day and made a payment to get rid of the debt owed. They explicitly said that it should not be on my credit report after payment. The problem is, the collections notice from XXXX XXXX is still on my credit report and I would like it to be taken off. I was given a clear statement from the XXXX XXXX  agent that they do not have my collections anymore and that it should n't be found on my credit report. As for the payment for XXXX, I have the confirmation number, XXXX, and the employee id, XXXX, of the man who explained to me the process above ( for removing the collections from my credit report ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Caliber Home Loans, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is follow up to a case already filed with the CFPB, that number is : XXXX. The response received from Caliber was inaccurate, as well yesterday they reported to XXXX that my mortgage is 30 days late. Attached is verification of the report and the lines below are the inaccurate statements in the response, both of which fall under the heading Requested Clarification : 1. It should be noted that it was an error on Caliber 's side that my account was taken off automatic recurring drafts for my loan and that specific statement would be reported to the credit bureau. 2. There was no attempt by Caliber to contact me on XX/XX/XXXX or XXXX as stated, this is simply a false statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2016 about Debt collection (Medical) with Capital Accounts, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The doctor messed up when billing the insurance, so they never received payment. Once I was notified, I set up a payment schedule and made payments until the debt was fulfilled. Then years later I find out I have a collection our from them for payments that were already made! What worse is since this was so long ago, I do n't have any documentation and they never provided me with recipes to verify my payments. Also, I believe this was done because I had a terrible experience at the office and posted a bad review online, so they " lost '' my payment to file a collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Debt collection (Auto) with BMW Financial Services NA, LLC (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Discussed my debt with my neighbor. Harassing me and my neighbors.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with PNC Bank N.A. (WV).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: THIS INQUIRY IS UNKNOWN, PNC BANK XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # XXXX PNC BANK XXXX XXXX, 2017 Unknown inquiry, please delete

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Late fee

Complaint: When I changed Chase credit payment ( always in full ) from monthly check to automatic bank withdrawal, Chase changed autopay settings from full payment to minimum payment. Although I was advised in writing in the consumer advice accompanying the card that this change is automatic, I never read it -- my fault not to read the voluminous fine print. Interest charges accumulated for a few days until I realized this had happened, changed payment details to full payment and persuaded Chase to refund the interest ( {$190.00} ) which they did. So far so good. But Chase reckoned somehow that there was a residual in the second month and, despite having been paid in full on time, Chase assessed a second interest charge ( {$140.00} ) on XX/XX/2016. This charge did not appear on a statement until XX/XX/XXXX and I did not notice it until XX/XX/XXXX. My argument to 2 different supervisors that, having refunded the first payment Chase should also refund the second, was rejected because they claim the 90-day interval ( XX/XX/XXXX from assessment to XX/XX/XXXX ) had elapsed. I claim that the interval should begin on XX/XX/XXXX when I was first notified, unsuspecting that there would be any late charges because all payments after XX/XX/XXXX were made in full on time. Chase expressed sympathy and I believe would have refunded but for the way they calculated 90 days. They refused refused to reconsider, we did not reach agreement and we left the matter unresolved, except they have the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX  claims that I have  XXXX  charge off credit cards in unknown, unidentified amounts. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

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 10/20/2016 about Credit card () with JPMORGAN CHASE & CO. (NV).
Issue: Other

Complaint: I accidentally made a credit card payment to a closed account. I contacted the credit card company regarding the payment. They Con firmed they received the payment and stated they have up to 30 days to return the money! It 's been 38 days and 3 phone calls and still have not returned my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-07-2016 about Mortgage (Other mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: My husband and I was working with our loan company to lower our house payment because they had raised it and we could not afford it. We sent all information, forms and bank statements to them and would not get back to us. It was always very hard to get in touch with our point person. They said they was sending out someone to evaluate the home. No one ever came. We received a letter that they were through with their evaluation and was ready to start foreclosure before sending someone out to our home.

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