milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am writing to dispute the following information in my file. I recently received a copy of my Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following inquiries do not belong to me. Also, they are not associated to any of my accounts. 
XXXX-entered twice XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 02/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Synovus Bank (IL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I called XXXX XXXX the middle of last month to close out my credit card. They closed my card and told me I had a final balance which was {$38.00}. They would not accept a credit or debit card payment over the telephone. They only wanted a check or checking information. Before I paid them, I called again to verify the amount, then I sent a check for the amount in the beginning of XX/XX/XXXX. I just recently got a bill that said I owed double the amount. I called the company today and they told me I paid the closeout late fee late, so they charged me another late fee with interest. I as to speak to a supervisor but the customer service agent refused to transfer me and he eventually hung-up the telephone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have XXXX companies that are reporting incorrectly on my credit report due in whole because trans union refuses to investigate the said companies XXXX Nissian infinity this is reporting incorrect information XXXX XXXX bank this is also reporting incorrect information on my report XXXX federal bankruptcy this is also being reported incorrectly on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Debt collection (Credit card) with LHR Inc. (DE).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: A company LHR , Inc in XXXX, New York is selling charged of debt to other individuals. They are threatening me with wage garnishment. What are my options to stop this? From my research - LHR is a questionable company. And may no longer be in business. I do not want the added expense of a lawyer, but if that is what I have to do I will.

Company response to consumer: Untimely response
Consumer complaint received 04/24/2018 about Debt collection (Medical debt) with Carter-Young, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have attempted to reach out to the company degrading this alledged debt. I specifically request red proof this debt is infacr mine. I was sent the documents attached. I am now demanding this debt bone removed from all major credit bureaus immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called the company and they said they have no records of me applying so they dont know why the inquiry was on my report. I had receive a note from them and it had an account number and I never applied with them and thats what the agent told me. The inquiry is from XX/XX/2016 I have called these companies all of them I have attached a copy of the inaccurate ones thats on my file I have put a block on credit report because I have lost social Card and when I receive letter of items I apply for I call them

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Problems caused by my funds being low

Complaint: The bank, Huntington Bank, had given me a wrong bank account number which caused my direct deposit to bounce back and my account to go into the negative. They charged me a total of {$280.00} on an overdraft of {$27.00} dollars that 's an almost 800 % interest rate. This is unfair half my check was gone and it was their fault to begin. 

I was given the run around for a week speaking to several customer service managers ; XXXX, XXXX and a Voicemail that was never answered by a XXXX at least that is what his out going message said his name was but when I called back he was non existent. 

This is unfair and predatory especially since it was their mistake

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-09-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: In XXXX 2016, I was prompted to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX Citi ThankYou points in exchange for opening a XXXX account and scheduling two bill payments from the newly opened account. XXXX Citi ThankYou points equals {$400.00} in gift cards as stated in the terms and conditions I received when opening this account. 
After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 
On XXXX XXXX, 2016, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, 2016. On XXXX XXXX, 2016, I did not receive my bonus points as promised. 
On XXXX XXXX, 2016, I initiated an online chat via the Citibank website with XXXX and explained that I did not receive my points. XXXX said I should have already received my points. An internal investigation was opened. Case number XXXX. 
On XXXX XXXX, 2016, Citi 's investigations team informed me that my bonus was denied for the following reason : " There was not a ThankYou Points promotion offered in conjunction with the opening of your account. '' On XXXX XXXX, 2016, I appealed this denial, citing written confirmation from Citi that : The promotional offer is attached to my account and ; I qualified for the promotion and ; I met all requirements to receive my bonus. 
On XXXX XXXX, 2016, I spoke with XXXX at a Citi call center and she informed me that the offer in question requires the original bonus mail insert, which would have been sent out 6-8 months ago. 
It was explained to me that the original insert is required to prove I qualified for this offer, despite numerous interactions with representatives who assured me I have qualified and met all requirements to receive my bonus. Since I disposed of this mailer after opening my account, XXXX said that her options were exhausted. 
On XXXX XXXX, 2016, My appeal was denied. I appealed again. 
On XXXX XXXX, 2016, XXXX at the Citigold customer service department acknowledged my appeals and attempted to submit my case to the Escalations Unit. She apologized for my experiences and said that many other clients are in the same situation. 
XXXX explained that she was unable to do anything for me other than open an investigation, which was done several times without a positive outcome for me. XXXX promised to keep my contact information and contact me if anything changes. Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 
Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.

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 06/13/2017 about Vehicle loan or lease (Loan) with DriveTime (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint: Drivetime is a scam . Car b roke d own for the 3rd ti me on  XXXX   XXXX ,  2017  currently in shop but they will not cover repair. They are at fault car was falsely evaluated.

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 10/26/2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: On XXXX XXXX, 2017 I submitted payment for my California XXXX reneeal tags to a company out of XXXX XXXX to expedite their service in 1-2 days. I received immediate confirmstion by email of my payment. On to two weeks passed still no tags. Im drivinf around with no current tags for over 6 weeks now. Made numerous calls, emailed the company but never could get a hold of them. I went to the XXXX office to ask what to do. They advised me to have my credit card company file a claim because just with my receipt from that company they werent able to issue me my tags because they did not receive payment from that company. 
I reached oit to XXXX XXXX. This is where the real nightmare began. They filed a claim on my behalf but stated that i didnt authorize payment. Which was untrue. They just didnt listen. So after submitting my documents to them i was denied my claim and they sided with the merchant. I asked for copies of the documents to support their decision. Never received them. After calling 3 xs a day and being disconnected 2 out of 3 times unexpectedly with over an hr wait. XXXX agreex to open another claim for services not rendered. So they say. XXXX comes around and its 3 months now im taking the risk to drive to necessary places without my current tags. I had enough saved to pay cash to XXXX for tags I had already paid in XX/XX/XXXX but never received. I submitted my receipt to XXXX showing that the merchant they sided with never paid XXXX  and kept my $ XXXX. 
I still never got a response back from XXXX XXXX.i cant afford to pay twice for tags. I continue to call XXXX who says they will be sending out documentation that they received from the merchant that services were rendered. And to check my email. Nothing. XXXX has sent nothing to me because there is no evidence. This company straight out kept my money and XXXX XXXX did not investigate lime they should have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-08-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Late fee

Complaint: Capital One Credit only accepts payments up until XXXX EST to be credited for the same business day or face a late fee. If you live on the west coast you have 3 hours less to pay and may be subject to a late payment as a result. Not everyone lives on the East Coast. It seems plainly unfair that people living in one part of the country should be given an advantage over others, just based on where they choose to live.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: J.P Morgan  Chase Bank processes checks in a fraudulent matter that benefits Chase and hurts its own customers. Chase claims that you have until end of the business day to fund your account if you are overdrawn. However,  Chase  claims that checks are processed at  XXXX , when in reality they are not processed until next morning, but the date processed on the account shows as the day earlier, causing fees to be assessed to the customers ' accounts. They also, in a fraudulent matter, process checks from the highest amount to the lowest amount all at the same time, even when the checks are deposited by the receiver at different times. This scenario causes the maximum amount of fees to be assessed to the account. Checks are processed at the time of the lowest balance before any deposits are credited to the account. This is apparent when checks are processed at  XXXX , not allowing for any deposits that were made that day to credit the account, since they are made available the next business day.     For example, our business account has funds that come in and go out regularly. Deposits are made by our credit card processor regularly, with it showing up in the account within  24  hours. However, it seems these deposits are held up by Chase when the account is at its lowest and checks are then processed. If the following checks were written, {$1800.00}, {$90.00}, {$85.00} & {$75.00}, with an account balance of {$3000.00}, there is enough to cover these checks when the checks were written. However, business goes on, the debit card is used and withdrawals come out, while deposits come in from our credit card processors. Let 's say {$2000.00} has been withdrawn but a deposit coming in of {$2500.00} has been issued. So, before the deposit is made, there is an account balance of {$1000.00} on Monday, not enough to cover checks that have been written a week to a few weeks ago. Then at  XXXX  the next da y ( Tuesday ), t he {$2500.00} deposit was never credited yet but the checks of {$1800.00}, {$90.00}, {$85.00} and {$75.00} are cashed all at once. The date then shows on the account as Monday for the processing, even though it was done on Tuesday. The {$1800.00} check is cashed first, causing the account to drop at - {$800.00}, causing a {$34.00} fee, then going forward {$90.00}, {$85.00} and {$75.00} are cashed, causing  3  more {$34.00} fees. Then late that day the deposit of {$2500.00} shows up bringing the account back to positive. However, Chase Bank already maximized its fees. If the {$75.00}, {$85.00} and {$95.00} checks were cashed FIRST, the account would have a balance of {$750.00}, then when the {$1800.00} check is cashed overdrawing the account, only one fee would be assessed. This is a very fraudulent process and it has happened to me a few times in the past.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-03-2016 about Mortgage (VA mortgage) with NEW DAY FINANCIAL, LLC (NC).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX ( mortgage originator at New Day USA ) offered XXXX solutions to help me with the high interest rate loan offered by New Day USA. 1. Buy down points for {$5000.00} to reduce the mortgage rate. 2. 30 days after the closing ( XXXX/XXXX/16 ) I could take advantage of the VA 's rate reduction program. A competitor firm highlighted the VA 's rate reduction program for me. I became apparent to me that buying down the rate was unnecessary. New Day USA duped me into paying an additional {$5000.00} in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (Medical) with Penn Credit Corporation (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I used the  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX . Where the ambulance was sent to was not my address. They claim to have sent bills to this address which only 2 initial bills were received. I then called this provider to give my insurance information and address. This provider never changed my contact information. After my insurance denied to cover this provider 's claim because they submitted the claim too late ( which I had no knowledge of ),  XXXX   XXXX  never attempted to contact me about the balance due. They sent me to  Penn Credit Corp c ollections in  XXXX  without my knowledge . Penn Credit Corp never attempted to contact me to collect my debt. They only way I found this out is due to the fact I check my credit score every month and last month it dropped dramatically. I then called Penn Credit Corp, gave them the correct address and they told me they will resend the bill information to my correct address so I can have proof and dispute it with them, my insurance, etc. I have yet to receive anything from this debit collector and it has been two months since I have contacted them. They will not provide me wit h any physical documentation of my debit. Giving me no chance to fix it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have attempted multiple times to dispute negitive information reporting on my credit. Each time I have attempted to report it, Equifax has denied my request stating the information is accurate that the company is providing. I have contacted the company as well and attempted to resolve the matter. I have written a huge report provided to Equifax stating the information being reported is not only inaccurate but a blatent lie, I have sent proof of the inaccuracy/lie, proof of communication of the company refusing to speak with me and send ME proof that I owe the debt. Equifax continues to deny the legitmacy of my request. Not only has Equifax denied my request, the company has updated the information yet again, and made changes again proving they are lying about the information provided on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed XXXX incorrect addresses reporting on my credit with Transunion over the last few months. However, I have not had any successful with getting these incorrect addresses removed. So, I need your assistance in getting this matter resolved. The incorrect addresses are : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX 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 non-monetary relief
Consumer complaint received 04-04-2017 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (MA).
Issue: Managing the loan or lease

Complaint: XX/XX/XXXX I called Toyota Financial Services in order to defer my lease payment for that month as I had done in the last 6 years. When the payment was not processed correct, there was back and forth phone conversations which I initiated, and Toyota assured me things were being taken care of.After getting multiple answers from different people I faxed in the requested paperwork. I made my payment for XX/XX/XXXX as normal. Then, in XX/XX/XXXX I purchased a new vehicle from a XXXX dealership. The cashiers check was shipped on XX/XX/XXXX and the check arrived at Toyota 's payoff center on XX/XX/XXXX. The XXXX receipt shows the address as well as the name and signature of the person who accepted the payoff payment. It was n't until about a week later when Toyota Financial called my work extension to say that I was over thirty days late for my payment. This started a vicious cycle. Since XX/XX/XXXX, myself as well as my husband have called numerous times in order to get the issue taken care of. We have done everything requested by XXXX. Filed a massive amount of paper work, faxed over copies of the check, as well as who signed for the overnight delivery of the payoff for the car. We 've provided all the necessary information needed in order to handle this situation and there is still no avail. We 've been given the run around for over five months, and Toyota has since reported us late to all three credit agencies on two separate occasions. Each time I call in with a reference number or employee ID I can not be transferred to the same employee. Each time we call in, its a different story. Currently, my me and my husbands credit is being negatively impacted as Toyota still shows an outstanding balance, and says that we are over 60 days late. I have not owned the car in well over 6 week, the payoff amount was verified more then once. Toyota at one point told us that they were process the research for where the check was ; only to have someone else tell me they 're not even sure they have a check. I can not talk to the credit department, as they only give me an address to mail a letter in.There is no more that we can do in order to fix this situation. We need help.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with KEYCORP (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Original loan was with XXXX XXXX. A few months into payments I was sent an offer by XXXX XXXX to skip a payment and add it to the end of the loan. I signed the documentation sent via mail and sent it back. All was well until Key Bank assumed loan. During that transition, Key Bank informed me that my loan was 30 days behind. I explained to them that under the offer and terms I agreed to with XXXX  XXXX, I was on time and I accepted the skip a payment offer. Key Bank could not verify this as they could not access their system. I called numerous times over a 3 month period and spoke with several folks at Key Bank. They could not figure it out and they took weeks to investigate all the while they were reporting me as being 30 days late for months. I explained to them that as an example there have been 18 payments due since loan origination and I have made 18 payments. They could not figure it out and they continued to tell me they had no access to XXXX XXXX computer systems to verify. How can this be if they assumed the loan? Key Bank tried to fix the issue by applying the skip a payment to the end of my loan however they continued to negatively report to the three bureaus and never reversed the 30 day late payments. I also made additional payments but problem has not gone away.

Company response to consumer: Closed with explanation