milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: To  XXXX  :   XXXX   XXXX   XXXX    XXXX , TX   XXXX   The following inquiries are in correct Someone has my personal information and has tried to apply for credit using my personal information. I have a added a fraud alert on my file Please remove these fraudulent inquires   XXXX   XXXX   XXXX   Date of request  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request   XXXX   XXXX   XXXX   Date of request  XX/XX/XXXX Account name   XXXX   XXXX   Date of request XX/XX/XXXX  Account name this one is   XXXX   XXXX   XXXX   XXXX   XXXX   Date of request  XX/XX/XXXX nquiries shared only with you Account name   XXXX   Date of request ( s )  XX/XX/XXXX   XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request ( s ) XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  Account name  XXXX  Date of request ( s )  XX/XX/XXXX  XX/XX/XXXX Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name  XXXX  Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX Account name   XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX Account name  XXXX  Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request ( s ) XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request ( s ) XX/XX/XXXX Account name   XXXX   XXXX   2 Date of request ( s )  XX/XX/XXXX Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request ( s ) XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name  XXXX  Date of request ( s )  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  Account name  XXXX  Date of request ( s )  XX/XX/XXXX   XXXX   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 04/26/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: ALL CREDIT AGENCIES REPORTING OUTDATED PUBLIC RECORDS PAST 7YRS SINCE 2001 / NOT MY ACCOUNTS AND EXCESSIVE INQUIRIES

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 11/23/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Using a debit or ATM card

Complaint: I have on XXXX occasions disputed charges from my Regions Bank debit card linked to my Regions Bank Checking and Savings account, which were made that were the result of fraud. In XXXX, my debit card was lost and charges were made at XXXX XXXX for over {$300.00} dollars, from XXXX XXXX for over {$20.00} dollars, and an ATM withdrawal debit for over {$500.00} was made. I immediately contacted Regions via telephone and was told that until the charges actually posted, nothing could be done other than to cancel the debit card and re-isssue another XXXX. After the fraudulent charges posted, I went into the XXXX GA branch and filed a formal dispute along with signed affidavits. After waiting over 10 days, on XXXX XXXX I contacted Regions bank again via telephone and was told that the claims were denied due to the fact that the PIN number had been entered correctly on the ATM withdrawal and due to that, the other dispute claims denied as well. When I informed the representative that my PIN number was NOT written on the card, but that I did have the PIN number on a piece of paper enclosed in the same wallet that was lost which had my Regions Bank Debit card in it. I was told by XXXX XXXX XXXX of Regions Bank that she would appeal this and resubmit the dispute as long as I submitted a police report to Regions, which on XXXX XXXX I did submit a police report to Regions Bank and emailed it to : XXXXXXXXXXXX. As of XXXX XXXX, I have not been credited back for the XXXX fraudulent charges made on my Regions Debit card, nor the fraudulent ATM withdrawal which was made with the same card. Not only has Regions failed to credit me back for these debits, they also have n't credited me back any of the numerous {$36.00} dollar NSF fee 's they have debited my account for. I am a XXXX American and rely on my Social Security money as my sole source of support, and this money is directly deposited into my Regions Bank Savings account. When I received my XXXX Social Security funds into my Regions bank account, a significant portion of this money was immediately taken by Regions to cover the over {$860.00} my checking account was at that time overdrawn by, directly as a result of these fraudulent debits and Regions subsequent illegal debit of fees charged to me. I find Regions Banks actions in this matter to be bordering on Criminal

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 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Identity theft fruadulent open accounts and inquiry XXXX XXXX XXXX XXXX XXXX XXXX Date open XXXX XXXX, XXXX Amount XXXX Inquiry transunion XXXX XXXX Date 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 02-10-2018 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: My brother and I both have XXXX Capital One Credit Cards. I  want to report and wish to request that the proper government bureau investigate their practices on charging interest particularly when there is ongoing Same As Cash deferred interest programs on the account. On both credit cards, we have purchases that have 0 % financing for 6 or 12 months ( deferred interest ). XXXX/Capital One calls this " Same As Cash ''. We have XXXX XXXX and XXXX cards that we also utilize the special financing on. However, only on the XXXX cards do we get charged random interest. I have attached the last two months statements for you to review. I'm complaining that they use an unethical, illogical method that unnecessarily charges the consumer interest at 25.99 %. They apply the payment amount in excess of the minimum payment to the Same As Cash Credit Plan with deferred interest that is ending within 2 months of the actual expiration date rather than paying off the Regular Purchase amount. This defeats the purpose of buying something with special financing. If they are applying my payment to the special finance balance 2 months earlier then it is technically not zero interest for 6 or 12 months. Their method is not industry standards and they fail to mention anywhere on the statement the minimum amount the consumer has to pay to avoid any interest. They did credit the interest to us in both instances but they made it like they did it as a one time courtesy. I am paying off the balance in the next two months and cancelling both cards. I would kindly ask you investigate this to see if what they are doing is legal and ethical because I'm sure many other consumers are being affected like me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (WI).
Issue: Loan servicing, payments, escrow account

Complaint: Select portfolio servicing bought our mortgage about 7 years ago and I recently started noticing that there were extra charges on there besides late charges. They keep telling me that they are charges they do n't have to explain to me so I requested my loan information from the time we bought the house. I have asked twice now and they will only send me the last 7 years stating they do n't have to show me any paperwork from when they bought the loan or copies of any charges that have accrued ... .In XXXX I paid them XXXX house payments at which time they said I was still XXXX behind so in XXXX sent another XXXX plus extra for late charges. What I do n't get is in 15 years of having this mortgage they claim my payoff is still the original amount of the loan I just do n't think that could be right. Please help as we are still at almost an 11 % interest rate too!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I was charged several " international Fees '' by Bank of America without them telling me about any international fees, they also never asked me if i wanted them to go through. They refused to tell me when i was told of these fees and how i was told of these fees. They asked me if i knew about them and i said " no '' to which they said they will see what they can do and they refunded one of them for {$2.00}. The charges i have gotten and was in question of were as follows. XX/XX/XXXX i was charged {$0.00}, {$1.00}, {$2.00}, {$2.00}, {$2.00}, {$2.00}, {$3.00}, {$11.00}. Then on XX/XX/XXXX i was charged {$0.00}, {$0.00}, {$0.00}. Then i was charged {$0.00} onXX/XX/XXXX I was charged {$0.00}, {$0.00} in fees on XX/XX/XXXX. OnXX/XX/XXXX i was charged {$0.00}, {$0.00}, {$0.00} in fees. On XX/XX/XXXX I was charged {$0.00}, {$0.00}, {$0.00}, {$2.00} on XX/XX/XXXX and the list goes on and on. These charges were all added by Bank of America without my approval or without notice. They never once informed me that there would be any fees let alone this many and this much.

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 08-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Good Morning to Whom it May Concern, I attended XXXX XXXX before they closed their doors to students due to wrongful actions concerning loans. Students who attended were placed in high interest rate loans and pushed through the system. After finishing they program we all came out of school with 60k+ in student loans to a school that was not really taken seriously by top named companies. A short time back XXXX XXXX closed its doors and filed for bankruptcy. Current students and past students are now stuck on what to do next. Past students are stuck with high loans with high interest rates that will take them 20 to  30 years to pay off. That amount of time is not fair to someone that has been cheated and thrown into something they were left in the dark about. XXXX XXXX staff pushed the paper work through and only gave us the answers to the final bill at the end of a degree because their answer was we do n't know how much you owe because the interest is growing while your in school. I came out of school with 80k+ in debt to a school that I feel cheated me. If I knew this information I would have chosen differently and looked at other options. I feel that students should not be responsible for repaying XXXX XXXX student loans because we were cheated out of an education with outdated schooling material. Please help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Trouble during payment process

Complaint: Bank of America notified me on XX/XX/XXXX of last year that they require I have valid FLOOD Insurance coverage for a detached garage on my property and permanent home residence. I produced the documentation proving the existence of flood insurance on my home, but the bank refuses to accept my current and valid flood insurance coverage provided through FEMA for the detached structure. This is a standard FEMA policy the bank should be familiar with. 

I and my insurance agency have both submitted proof of such coverage, but the bank has refused on 3 separate occasions and numerous phone calls to accept the documentation provided. Instead, they have bought flood insurance on my behalf at a higher price than I would obtain, and have charged my account with the cost of this duplicative insurance. Their policy has a premium of {$360.00} for {$18000.00} worth of coverage for the detached structure, already covered up to {$25000.00} under the insurance I purchased. 

The policy I purchased states on page 3 in the documentation ( which is standard FEMA SFIP Dwelling Form ) that attached structures are covered up to 10 % of the value of the main flood insurance coverage, this value being higher than the minimum demanded by the bank. Bank of America have refused to accept this documentation. 

The last effort involved my insurance agent calling the bank to assert the validity of the coverage in addition to sending them additional documentation, yet they just sent a new letter on XX/XX/XXXX,  again rejecting this coverage and refusing a refund. 

According to my agent, this is standard FEMA coverage policy the bank should already be familiar with, so I believe they are doing this in bad faith to squeeze more income from their customers. This has to stop. 

Bank of America 's initial notice was on XX/XX/XXXX, and we have been fighting this issue ever since to no avail. The last and most complete information about applicable coverage was sent to them around the XX/XX/XXXX from my agent 's office. I need your help desperately to fight this. The bank refuses to accept valid documents, so it seems I have no recourse but to seek help from your agency.

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 05-09-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed this alleged debt by XXXX XXXX XXXX XXXX to equifax 3 times and to XXXX. XXXX investigation took awhile and XXXX removed it from my report because it was not my debt, where as Equifax emails me the next day with the outcome " remains " and that " belongs to me '' with no other information. I had take matters into my own hands and I sent mail to this XXXX asking for correct validation and I received a letter from them stating it was not my debt. So this goes to show how much of an investigation they really conducted. Not much of one, if any at all. 
Not only this but after I disputed, my fico score dropped XXXX points. I went and bought a report and nothing had changed, literally nothing. I monitor all three reports and equifax never updates. For example, I have XXXX credit card with a limit of XXXX and had a balance of XXXX. I made a payment prior to even getting a statement or bill of XXXX. 
Equifax shows my house payment, my car, my credit card all a month behind vs the other credit agencies showing XX/XX/XXXX being pays as agreed.. They have not updated the report since XX/XX/XXXX and its XX/XX/XXXX. Also I pay for credit score monitoring via myfico and why are they reporting a XXXX point drop when there are NO changes in my report anywhere ( other then I made a dispute ) This is the worst credit reporting agency and we as consumers need our reports to be accurate and updated. I 've been waiting for them to update because I want to get different insurance for auto and home and you never know what insirance companies report they will look at. I see that experian has updated my accounts. What 's the problem here? They are completely incompetent. We rely on these companies for very important aspect of our lives and I have a really difficult time to think they take it as serious as we, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/23/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My Chapter XXXX bankruptcy was filed on XXXX XXXX and was discharged by Illinois Federal Courts in XXXX XXXX. I am aware per FCRA that federal law does not state that a bankruptcy MUST stay on your credit report for 7-10 years. The law ONLY states that it MUST be removed after the falloff date of XXXX XXXX. I am also aware that EQUIFAX can remove this public record prior to the maximum 10 years, if I 've proven myself a excellent credit risk. I am asking in good faith that this Chapter XXXX Bankruptcy be removed immediately. I have shown that I am creditworthy and a very low risk consumer of credit by paying all my current account on time for more than 5 years. If you examine my entire credit history thoroughly one could determine I was a excellent credit risk prior to my bankruptcy. The reason behind my bankruptcy was fueled by the Housing Market Crash. I was in good standing with all my creditors and had never paid late before. I had several credit cards that was included in my bankruptcy do to the nature of the Chapter # XXXX filing. I humbly request that this detrimental public report be removed, so that I may move continue to forward in purchasing the home of my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Mortgage (FHA mortgage) with loanDepot.com, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I am behind on my mortage and currently in the process of a cash sale of the home. On XX/XX/XXXX I found that the mortage company loandepot had sent XXXX XXXX XXXX XXXX to my house. They removed my realators lock box removed a door knob and changed the locks to my house. I am only 3 payments behind and a foreclosure has not been started. They also filed a claim to my homeowners insurance without my permission. They trasspassed onto my property and forced entry into my residence without permission. I called XXXX XXXX XXXX on XX/XX/XXXX and was only able to leave a message. XXXX XXXX XXXX called back on XX/XX/XXXX and said the mortage company had the take pictures, change the locks and do some repairs. I told them they had no permission to enter my property and they just said call your mortage company and hung up on me. I called my mortage company on XX/XX/XXXX and advised them they did not have permission to lock me out of my house or instruct someone to force entry into my house or property. They said they would try to have someone contact me with the lock box code and also gave me a code to try. I advised my realator of the infomation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax continues to carry incorrect information. Multiple contacts. They do n't remove any of it.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Debt collection (Other debt) with Viking Client Services, Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Re : XXXX XXXX/ XXXX XXXX XXXX XXXX ( acting as agent for XXXX ). 
Transaction : Rental of passenger automobile on XX/XX/XXXX-XX/XX/XXXX at XXXX XXXX XXXX XXXX Airport. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). 
Issue : XXXX/Viking claim damage to vehicle after returned. Damage to front lower bumper of approximately {$1500.00}. 
My reply : XXXX performed a 'Pre-rental inspection ' as required for renting a vehicle that is part of their 'XXXX XXXX '. Inspection showed lower front bumper damage in addition to missing 'XXXX Oil cap ' on engine. 
XXXX Response-Unable or unwilling to provide documentation other than general rental agreement copy. Would not provide copy of 'Pre-rental inspection ' form. I already was in possession of said document and failed to keep a copy of the 'Pre-rental inspection ' form that would have put an end to the issue. XXXX ' website refers to the requirement of a 'Pre-rental inspection ' form as being required. XXXX/Viking filed a claim against my auto insurance policy but my insurance company is denying claim as XXXX/Viking can not provide sufficient documentation to prove their case. 
Conclusion : Rental companies I have read do this all the time without proof, placing in collections affecting good credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Home Loan Center, Inc. (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I contacted Lending Tree ( XXXX XXXX ) about getting quotes for a Home Equity Loan in the state of Texas. I was assured by the privacy statement and disclosure rules that my information would be shared with up to 5 partner companies to get home equity loan offers. Instead, it turns out that none of the affiliated lenders do traditional Home Equity Loans, but every call and email I received from their partners was for a cash-out refinance, which is a completely different product. This is incredibly deceptive. My personal protected information was shared with five other parties without my consent, because I did NOT request cash-out refi quotes, I requested Home Equity Loan quotes. Every representative I spoke to on the phone was clear that their companies do n't offer Home Equity Loans or HELOCs in Texas, and that Lending Tree always sends them cases like mine knowing full well that it 's a different product.

Company response to consumer: Closed with explanation