milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2017 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: EXPERIAN is illegally and unlawfully reporting information on my credit file. I 'm asking for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form XXXX XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have 30 days to responded to my request. I also need EXPERIAN to present a certified final forensic audit in accordance with XXXX in accordance with basel XXXX accord and XXXX. I also need them to present these documents from the following vendors/creditors : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and 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 08/30/2016 about Credit reporting () with EARLY WARNING SERVICES, LLC (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Im disputing information listed on my Early Warning report in regards to XXXX Acct # XXXX. Early Warning failed to accurately investigate said information and refused to removed invalid incident dated XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: after disputing a inaccuracy on my report, with proof attached equifax claimed they contacted the reporter and the reporter claimed the account was still open and in collection : see attached equifax responce. they did offer me a service for XXXX to expedite my dispute. they reported to the cfpb they had not contacted the reporter. i submitted a copy of their response to me to the cfpb showing the falsehood. now im seeing a XXXX point drop on my equifax score! Is this retribution? see other attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Problem with fraud alerts or security freezes

Complaint: I am having difficulties retrieving my credit file and applying for credit. I have requested multiple times to have the extended fraud alert removed from my file. However, for some reason, the CRAs continue to display this alert. The alert is causing undue delays in retrieving my own credit reports and acquiring needed lines of credit. PLEASE SEE THE ATTACHED FILES TO SEE MY FORMAL REQUEST FOR REMOVAL OF THE EXTENDED FRAUD ALERTS.

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 10-12-2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Billing disputes

Complaint: A third party vendor incorrectly billed a monthly recurring charge for internet services to an American Express account. Months earlier, I had changed the billing to another credit card, which they successfully billed for almost a year. For some reason, in XXXX 2016, they mistakenly billed the charges to the American Express card, which I had physically destroyed before then. The vendor could not explain why they used the old information, but acknowledged that they did. They then billed me correctly on the new card. No services were provided to me by the vendor from any charges to American Express. I gave this information to American Express. After a few rounds of phone calls and emails, they agreed that the charges were incorrect. The vendor was ultimately paid on the correct card, and they agree that I do not owe them any money. American Express, at XXXX point, also agreed. Unfortunately, that happened on a phone conversation, which I did not record. They did send me a letter indicating the dispute was resolved. 
I assumed that was the end of the matter but I foolishly failed to keep the letter. There was peace for a few weeks. Then American Express collectors from XXXX began calling me at home and on my cell phone trying to collect the nonexistent debt. I answered the phone for their calls and I contacted the company several times to try and explain to someone who could understand. Now it has started again, with the callers threatening that my credit may be adversely affected. I told them all that my wife and I have a credit rating of XXXX ; we pay our bills on time. Now the billing and collections calls have started up again. I 'm a XXXX and do n't have the resources of American Express. They have wasted untold amounts of time and money chasing a debt that does not exist. But because they have the apparatus in place, they can pursue the matter, taking my time, even though I have not avoided communicating with them to sort things out. I seem unable to convince them, however, that I do not owe them any money. Can you please help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The is in relation to the recent Equifax security breach in XXXX  2017.
My complaint includes the following items : 1. Equifax improperly used my personal credit information that allowed data leak 2. When attempting to check for the impact using https : //www.equifaxsecurity2017.com website they appear to be giving random answers, for example, I submitted the same information twice and once got " not affected '' answer and the other one resulted in " might have been affected '' answer. Both inquiries have been placed on XXXX XXXX, 2017.
3. Equifax failed to notify me about the breach ( even though they have my up to date contact information ) and I had to find out from news sources.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I need to file a complaint against XXXX for illegally re-aging my credit history for an account that is reporting wrong info to my file. I have not been associated with the account # XXXX XXXX for over 7 years. the information is updating so wrong each month. this account has no balance nor activity for over 7 years and overtimes that I dispute it it comes back verified, active, open and still showing inaccurate lates. It is even showing that I am still " OK '' each month but I DO NOT HAV ETHIS ACCOUNT OPEN NOR DO I HAVE A CAR WITH THIS COMPANY! How are they dong this? I asked for all the testaments and the late to be verified and have received absolutely nothing. I even filed a complaint with XXXX and this company does not exist in your database. I feel very used by XXXX, they are careless in their reporting and have done me no justice in providing me with a correct investigation that is required by FCRA law. This company does not exist and these informations can not and have not been properly verified. This account is reposting incorrect info each month and its hurting me. I have had no late in XX/XX/XXXX or XX/XX/XXXX as XXXX is repeating, this account was not in my possession than and the statue of limitations have expired as this car was returned during my XX/XX/XXXX Bankruptcy!

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 12/17/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease

Complaint: My name is XXXX XXXX and I current, y have a major issue with the Credit Reporting being done by Santander USA. I currently opened met loan with them in XXXX. Since then myself and my husband have only had XXXX ( XXXX ) late payment being reported as of XXXX. At that time I truly was n't 100 % sure it should have been reported because I truly paid it on the XXXX, which would be 30 days not 31 days. Now that I have disputed that late reporting, for XXXX there now stating they have found more. Since, they want the best thing for my interest the are not going to add the additional payments. My dispute I have is I call in number out days prior to making my payments, and also ask the Customer Service rep to please confirm my payment will not be late. Now there coming back with all this false data. Any other type of loan I have you can still pay on the date your payment is due prior to cut off time for the company.. Can you please tell me who I can speak to in regards to getting assistance with this matter.. I am in the process of refinancing my home and this is a major impact that they have been reporting incorrectly as well as updating the bureaus incorrectly. I have proof of that as well ... I want to know how can a creditor report you late on the XXXX day and give Customers 30 full days. They are not following the full statement from the Credit Breau ... Now they want to threat me that if I continue to question them they will add all incorrect information that had previously reported correctly ... 

Can someone please call me first thing tomorrow @ XXXX this is very urgent. 
Thank, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are 3 unauthorized credit inquiries on my credit reports from CAPITAL ONE AUTO FINANCE from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did not authorize any of the inquiries from those dates.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: In a recent dispute, Experian stated the recent balance was updated to {$6400.00}. They also verified that the information you are reporting was verified. How is this possible? 
They are allowing this company to furnish an incorrect balance. The balance needs to show {$0.00} because this account was paid in full by the asset protection insurance attached to it. Please correct to {$0.00} or delete this account immediately. 
This is a false and misleading tactic used by the creditor and is it illegal.

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 10-01-2015 about Consumer Loan (Vehicle lease) with BMW Financial Services NA, LLC (FL).
Issue: Taking out the loan or lease

Complaint: This is an official complaint on BMW Financial Services XXXX XXXX. Approximately around the month of XXXX 2014 I traded in a XXXX Lease at the XXXX XXXX BMW dealership. Upon communication between these two institutions XXXX dealerships ) it appears that the payoff amount gathered was incorrect and grossly miscalculated. The amount supplied by XXXX XXXX XXXX to BMW Financial was short approximately {$6500.00}. At the time of the transaction taking place none of this information was disclosed to me as these XXXX entities communicated with each other accordingly as their processes are internal within the financial departments. Therefore, due to their lack of accuracy and efficiency I have an outstanding delinquent amount due that is being reported on my credit. I have made numerous attempts with the credit reporting agencies, along with numerous communications with both dealerships XXXX XXXX XXXX & BMW Financial XXXX to no avail. This is seriously placing a blemish on my credit report and as a business owner this is also inhibiting future growth and expansion. 
Your prompt attention to the severity of this complaint would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX {$850.00} I have never heard of this ... ... this is NOT mine

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Credit line increase/decrease

Complaint: I contacted Shell Citibank XXXX XXXX. I called customer service. I asked them about a credit limit increase if it was a soft or a hard inquiry. I explained I was going to go for a major purchase and I ca n't have any hard inquiries on my credit. They said they could not answer this question. They said since you have a fraud alert to fill it out online and they will contact me before they pull the credit whether its soft or hard. This did not happen it was a hard pull the next day. I spoke to several supervisors the XXXX XXXX I spoke with said it would take up to 10 days to remove it. This did not happen. I dealt with citi executive response I spoke to a woman named XXXX XXXX she can be reached at XXXX. She did nothing at her level to resolve the issue. She said because I filled out online with my income what I was told to fill out by customer service. That I authorized my credit to be ran. She did nothing to address the negligence and incompetence of the company representative misinforming me. She does not even care I might be denied for my large purchase because of this inquiry. I think this is a very dirty tactic that they play. I have allready filed a complaint with the ftc also. I am sick and tired of companys not being held accountable by people who work for them and misinform customers. Everything was all done over the phone. My credit was pulled once through XXXX. XXXX no longer allows you to dispute through the credit bureau only with the creditor.

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 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Yesterday i received an email from XXXX XXXX stating that there was a major change to my credit report. I looked into this, and there was an inquiry from something i have never even heard of. Barclay Bank had issued a inquiry to my account without my consent. I tried calling Barclay Bank, and they were very unhelpful. They told me i had to call XXXX  to dispute the issue. Okay, so I tried calling XXXX. XXXX told me i had to get Barclay to send me a letter of deletion so that i could then forward it to XXXX, JUST so they can remove the inquiry from my credit report.I tried calling Barclay back and they told me they couldn't send me the letter until it was disputed These are alot of hoops to jump through for someone who didn't ask for this credit inquiry, and neither company is helping me out. Each one is just essentially telling me to go to the other to make progress so there for there is nothing i can do. I did not apply for a loan or a new credit card through Barclay Bank and to my best knowledge, it is actually illegal for them to pull my credit report without my consent.

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 07-11-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with SYNCHRONY FINANCIAL (AZ).
Issue: Charged fees or interest you didn't expect

Complaint: Beginning of XXXX I called to tell them that my payment would be a few days late and I would like my DUE DATE moved later in month as we get paid always toward end of month.
He told me no problem. There MIGHT be a late fee but call back if there is and they can remove it. I received a bill for {$130.00} instead of the usual minimum payment of {$77.00}. I called and they said they see my call saying it would be late, but the rep did NOT make a note about reversing the late fee given my explanation of medical emergencies with my husband. They not only charged me {$38.00} LATE FEE but also {$17.00} in EXTRA INTEREST. I am ALREADY paying interest and that sounds like too much for one month payment. It should like it would be breaking usury laws of some sort. It sounds like they have a limit of the late fee and just decided to make up something for extra charges. Very unfair. Unethical at the very least.
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2. When I went to make a screen shot of account summary I noticed I have paid {$600.00} in interest during the past 12 months ... that seems excessive as well. I hope someone will check into this. I can send more documents if needed.

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 03/31/2017 about Bank account or service (Savings account) with PENTAGON FEDERAL CREDIT UNION (PA).
Issue: Deposits and withdrawals

Complaint: I am a XXXX. I have paperwork to prove this. As a result of my fulltime status, i get XXXX and XXXX from the VA veterans affairs due to my military service. I get regular scheduled payments to my PenFed Credit Union Bank Account. This morning my XXXX did not show up. I called the bank to ask why and they said it was not entirely sent and they gave me a statement that lied to me. The Va claims they sent it out and the bank must have redirected it somewhere else. 
I need assistance in this fraudulent situation that is ruining my life

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 06/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Good Morning, I Am filing a complaint against Synchrony Bank for not holding true to their word on telling me that a credit that was put back to my account is permanent. On XXXX-17 I seen that a credit was put back on my account. On XX/XX/XXXX I spoke with a person online from the credit card company. They plainly told me in writing, which I have, that my dispute credit was PERMANENT. <P/>On XX/XX/XXXX I received a letter letter telling me that it was provisional, however I had already been told twice that it was permanent. First by the chat rep and second by a manager. <P/>I am holding Synchrony Bank liable for their actions. I am not willing to accept anything other than the credit as permanent since I had already been told very plainly that it was permanent.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: equifax had my information which was collected and then shared with others without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My home was flooded with Hurricane Harvey. I requested forbearance with Bank of America. I have come to learn these months of rebuilding my home, my mortgage is being reported negative.

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 02/20/2017 about Bank account or service ((CD) Certificate of deposit) with SLM CORPORATION (TN).
Issue: Account opening, closing, or management

Complaint: I have CDs with Sallie Mae Bank. XXXX CD matured XXXX/XXXX/17. I received no notification by mail but representatives insist I was sent an email. In reviewing all accounts for federal tax preparation I found XXXX for many accounts except Sallie Mae which must be retrieved online only. In retrieving XXXX I noted a CD matured 11 days previously and called Sallie Mae the first day it was open after the discovery. They simply say their policy is to have email only notification which one must agree to when establishing an account and since I contacted them at 11 days instead of the 10 day window I had no recourse except automatic renewal or pay a 3 month interest penalty. I understand policy but although I get a monthly email that says log in for account update I find no email showing renewal information plus a monthly repetitive email with the same info would increase the liklihood of missing an email with something of real importance such as maturing CDs. Even so I find email only policy inadequate and unfair to seniors who are more comfortable receiving paper renewal. In fact, I deal with numerous online banks and find this one to be the only bank I have refusing paper notification of maturing CDs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Chase closed my account and since they did so I can not make payments on the phone. I ca n only do it on the Internet. I could not get to the Internet in time for my payment due the month of  XXXX   2016  and again on the month of  XXXX   2016 . I was told both times when I called in not to worry, since I can not make payments on the phone just do it as soon as I had Internet access. Both times I was assured there would be no late fee. I took Chase at their word. As it turns out they lied. I noticed there was a late fee on my most recent statement and then I decided to verify the same issue I had back in  XXXX   2016 . Sure enough a late fee charge. I contact ed Chase and they said only one charge will be reversed.

Company response to consumer: Closed with monetary relief