milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I PRESENTED TRANSUNION WITH MY ALABAMA ISSUED DRIVERS LICENSE FOR THE PAST 17 YEARS. SOMEONE WAS LIVING UNDER MY IDENTITY IN XXXX XXXX NEVADA IN XXXX, XXXX. I LIVE IN ALABAMA AND NEVER LIVED OUTSIDE ALABAMA I HAVE ASKED TRANSUNION TO REMOVE ALL NEGATIVE ACCOUNTS FROM MY CREDIT FILE ASSOCIATED WITH XXXX XXXX NEVADA BECAUSE THIS IS NOT ME! THERE IS A XXXX XXXX XXXX XXXX. THERE IS A XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. ATTACHED TO MY CREDIT FILE THAT IS NOT ME. THESE NEGATIVE FRAUDULENT ITEMS ARE RUINING MY CREDIT FILE ALSO THERE IS A XXXX XXXX AND A XXXX XXXX CHAPTER XXXX THAT SI NOT ME. WHOEVER DID THIS I HAVE RESEARCH BETTER THAN TRANSUNION. FILED THIS CHAPTER XXXX ONLINE PROSE. NOT ME PLEASE INVESTIGATE AND CORRECT MY CREDIT FILE. THIS IS MY 2ND ATTEMPT ASKING FOR A RE INVESTIGATION. I HAVE DOCUMENTS FROM ALABAMA THAT SHOW I FILED ALABAMA TAXES XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX PLEASE CORRECT YOUR RECORDS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stillman Law Office (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Schlee & Stillman , LLC claim I owe XXXX to XXXX, a XXXX account. This amount is from two fraudulent orders for Apple products which I have no use or need for. Prior to these orders, a request to close XXXX account was made but ignored. XXXX conveniently has no record of my request and has requested numerous affidavits which I will not send in, previous ones were mailed in with nothing done. Please note, there is no proof of delivery for either order, only a signature signed as XXXX, which I never and have never signed my name like this, this is fraud. Also, I have not ordered anything from this company since on or around XX/XX/XXXX, these orders were placed in XX/XX/XXXX, over a year since last order. They claim to have " thoroughly investigated '' the orders which merely consists of verifying billing and shipping address, which obviously match. If they did not match then orders would not be processed and shipped out, which is obvious. In closing, please advise Schlee and Stillman to remove account from collection and credit bureaus, if reported. They have not provided any proof I received these orders or even placed them. I also wish to reiterate I requested account be closed prior and failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Debt collection (Medical) with Resurgent Capital Services L.P. (WY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I found some old medical debt that I was unaware of on my credit report, I reached out to the company to set up a payment plan. When I called I had them give me the contact information they had on file ; I informed the lady on the phone that I was completely unfamiliar with the address they had on file and it certainly was not the address the medical office had on file at the time of service. I updated their contact information to include my legal last name, my current address and current employment ; then I proceeded to try to set up a payment plan that I could afford as I really do want this situation rectified. My payment plan offer was refused and the call was ended. I called back a couple days later the next woman I spoke to mailed me a copy of the debt and hung up. I made several calls to them over the next few weeks, I left many messages as I could not get through to an actual person and none of my calls were not returned.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage with XXXX acct. # XXXX which was sold to Caliber acct # XXXX. In XX/XX/XXXX they force placed insurance on my account and for YEARS I sent that I had had proof of insurance and they kept misapplying my payments towards escrow shortage rather than my mortgage & charging late fees. Finally in XX/XX/XXXX I spoke to someone with some sense and they mailed a check to me for theforce placed insurance. SInce in the interim they had sold th loan to XXXX ( Now Caliber ), when they sold the loan they transferred the incorrect amount. Therefore when I would send my payments to Caliber they kept returning them to me stating the payment was not enough to cover the debt. 
XXXX sent the reimbursement check made out to XXXX AND THEY ( XXXX/Caliber ) STILL returned the check to me stating it was n't enough. 
I finally thought that this nightmare was over last year, but it has continued to be an ongoing nightmare and my account keeps accumulating late fees & my payments continue being returned with them stating it is not enough to cover the debt. I have had to hire an attorney who also gets the run around. I have contacted the attorney for Caliber and even he can not get an answer from Caliber. 
Caliber states that they can not waive the previous late fees and misapplied funds because that it what was sent to them by XXXX. 

What I need:1 ) XXXX to correct the misapplied payments, remove the late fees, update the credit bureau and report the correct balance to Caliber. 
2 ) Caliber to waive the late fees, update my credit bureau apply the escrow credit balance and accept my payments for all of the payments that I have sent & have returned to me. I have this amount in my account and just want this nightmare to be over.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: California issued a tax lien in XXXX XXXX related to taxes I had paid in full. Upon an investigation at my request, CA FTB acknowledged the error and released the lien in XXXX XXXX, but unfortunately CA only issued a standard lien release, which is now on my credit report. Following a discussion with CA FTB explaining the error ( in preparation for applying for a mortgage this year ), the lien was released as a Lien Release Notice - Lien Recorded in Error, in XXXX XXXX. 

Equifax is the only CRA who has not deleted the public record despite my disputing the public record twice since the Lien Recorded in Error was recorded in XXXX County and providing documentation. I have also followed up with no less than 3 calls with Equifax. Based on the dispute outcome and the calls, I suspect Equifax did not investigate the claim at all. Not only did I provide a copy of the Lien Release Notice- Lien Recorded in Error, but on that same notice California provides a phone number specifically for Credit Bureaus. In addition, all evidence of the original lien, original lien release, and lien recorded in error are all readily available online in a search that would take no more than 2-3 minutes. Even the most perfunctory investigation would have resulted in the removal of the public record from my credit report. 

I am reaching out through the CFPB site in the hope that Equifax may actually review the materials attached and conduct a proper investigation. I am enclosing a package that includes, among other items, ( i ) a cover letter, ( ii ) the original lien - certified, ( iii ) the original lien release - certified, and ( iv ) the lien release notice - lien filed in error - certified. 

The link between the lien filed in error and the other documents is made clear through bearing the same certificate number, original case number ( Doc No. Book No XXXX ), and original case date. 

I would hope that these certified copies from XXXX County will be more than sufficient to remove all public notices related to the original lien or lien release from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (VA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: sears card claim I am late making payments closed my card when in fact I sent receipts payments has been made to date no reply they assessing late fees to my account when I am up to date, they reported this the credit company 's and closed my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (NJ).
Issue: Struggling to pay your loan

Complaint: Reference compliant filled and resolved to Bank 's satisfaction. I am still saddled with the product that was fraudulently sold to me. I am still making payments and the Bank is still doing business as usual. 

Respectfully, 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 05/19/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Best Buy   XXXX   XXXX   neglects to send my monthly bill on time. Some months it will send me my month bill on time other months it wo n't send it  at all. After the 3rd time and my 3rd late fee and interest fees  charged to my account I have closed my Best Buy  XXXX  seeing this pattern was happening more frequently. It clearly is a scam for Best Buy to rip consumers off by not sending their monthly bill to gain extra fees that are not legit.

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 11-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I pay my credit card in full. Payment in full apparently never got posted to account. Now being charged at least XXXX  in finance charges. Please help.

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 11/14/2017 about Vehicle loan or lease (Loan) with AMERICAN HONDA FINANCE CORP (OH).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I co-signed for my son 's Honda with Honda Financial services. His XX/XX/XXXX payment bounced. We were not notified until the account was past due. I  immediately made the payment when I called Honda Financial services. My credit was compromised by 70 points. 

It was irresponsible that I did not receive notifications of the bounced check. Honda would not take recourse for their actions. Honda does not notify the co-signer of bounced checks or payments that are going to be late yet they have no qualms in destroying the co-signers credit for one late payment since XX/XX/XXXX.
I want the late payment taken off my credit report or I will go to the news.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: All inquiries were made on address I no longer reside and have not lived it in more than 2 years. 


XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Multiple Inquiries were made on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ( XXXX  ) inquiry was made on XX/XX/XXXX ( XXXX ) 4 inquiries from XXXX card alone! 

XXXX/XXXX  XXXX. XXXX XXXX XXXX Florida XXXX XXXX The inquiry was made on XX/XX/XXXX ( Transunion ) XXXX  - No credit contact information available on my credit report and the bureau still refused to remove it. There is no way for me to contact the company. 
The inquiry was made on XX/XX/XXXX ( Equifax ) After checking my report in XX/XX/XXXX, I noticed all of the XXXX inquiries, I put a fraud alert on my account, this only helps if credit is approved because credit can not be extended if the company does not reach out to me directly. However, it does not prevent criminals from applying for credit, after I initiated my fraud alert some additional attempts were made and the inquiries still count against me. I contacted the credit bureaus and the companies XXXX, XXXX, and they said there was nothing they could do because credit was not extended. The credit bureau stated they could not take the inquiry off my credit. They only directed me to contact the companies directly ; the companies send you in circles because you do not have an actual account therefore no one helps you. I tried contacting the local police to see if i could file a report however nothing was done because no credit was extended.

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 01/26/2017 about Consumer Loan (Title loan) with FastBucks (WI).
Issue: Lender repossessed or sold the vehicle

Complaint: on XX/XX/XXXX My now deceased wife and myself secured a loan for a camper. The loan amount was for {$24000.00}. The court document I received on XX/XX/XXXX states that my monthly payments are {$260.00}. The court document I received on XX/XX/XXXX states my payments were {$280.00}. The first point I bring up is how am I suppose to trust their math when the numbers are different. This would be a big discrepancy on the amount I supposedly owe. I also bring up another problem in which comes in the form of letters right from XXXX. I have statements in which it states I owe a balance of {$8000.00}. This is before the camper was sold by XXXX for the amount of {$5500.00}. Their is also a letter from XXXX stating they charged off an amount of {$7500.00}, and then another {$3800.00}. The total amount charged off is {$11000.00}. I have a credit report statement in which it reflects a charge off for {$8000.00}. None of these numbers match. Should a credit report show all charge offs? This is another big discrepancy. The main complaint is the fact that one of their XXXX ( collection Agent ) by the name of XXXX continued to call me personally. During these phone calls XXXX was threatening and very loud and argumentative. XXXX would also use profanities during these calls. I have a witness to this as well as detailed phone records with his number for the time frame of harassment. XXXX is being fraudulent in reporting the accurate numbers. I also noticed XXXX is no longer assigned to my case. I had brought this to the attention of the Bank. I have attached documents in which proves all information in which I filed today.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Debt collection (I do not know) with Law Offices of Robert J. Colclough, III (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have checked my credit report about a year ago and noticed that this there was an account by Allied Collection Service that is not mine. I disputed this account with the credit bureaus, also I sent certified mail to the Allied Collection Services to validate this debt. I had received a notice from experian stating the accounts was updated. However, the update not only included the same false information, but also showed the account was not listed in dispute. I disputed this account again with XXXX and again, the accounts were shown verified with the same information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I disputed inquiry 's on my report 3 times with Transunion and XXXX. I was told they do not delete inquiry 's even if it is due to fraud. I was told to contact the company 's them self 's who ran the credit. I tried to contact the companies with no responses. I told the credit agency 's they are not responding so Transunion and XXXX say the inquiry 's will just stay then. This is not fair to me and my rights are being violated. These are the listed inquiry 's in question.. Transunion : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 08-02-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There has been an incorrect removal of numerous trade-lines, causing damage to my credit rating. Given the significant weight given by the CRAs in calculating ones ' credit score, the unauthorized deletion of decades of positive trade lines is a gross violation of fair credit reporting practices, to say the least, and actionable by the injured consumer. it seems shockingly inappropriate that the entities charged with a fiduciary duty in collecting and managing the public utilization of credit resources, are able to so negligently permit this to occur, without any mechanism of prevention, to insure accuracy and integrity of the credit reporting function.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: After a XXXX XXXX in XXXX, I was given a medical aid to use at home from XXXX XXXX XXXX. They were to bill my XXXX XXXX XXXX XXXX ( XXXX ) and I would pay the balance. They delayed the Insurance billing and I informed XXXX XXXX that I would pay after the XXXX was issued. XXXX sent my file prematurely to a Collections Company which reported a {$47.00} Collection Record on XXXX and Equifax. In XXXX, XXXX I received notice of XXXX submitting their portion of the {$47.00} payment to XXXX XXXX and an updated billing from XXXX which also reflected XXXX payment of their share of the bill. I then paid my balance to XXXX XXXX which totaled {$9.00} in XXXX, XXXX. In XXXX, XXXX I submitted a Refinance Application for my home and discovered a Collection Record on my Equifax from XXXX ( XXXX XXXX '' ) for the original amount of {$47.00}. This should never have been sent to Collections, as my account has been paid " on time '' with XXXX XXXX in conjunction with my Insurance Company payment. My Mortgage Lender tells me that this item has decreased my Mortgage Credit Score by at least XXXX points and I will be forced to pay a higher Interest Rate and Loan Service Fee unless I have this erroneous Collection Record removed from Equifax. XXXX is not reporting the Collection and my XXXX Mortgage Credit Score is XXXX, while my Equifax Mortgage Credit Score is in the high XXXX with this particular Collection Account as the only Negative Item reported. I have all the billing and payment information to show the transactions as I described and I need this erroneous and Collection Record removed from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I recently refinanced my mortgage with Bank of America. They offered a XXXX Payment a year plan which I opted to participate in to help me due to the fact I have XXXX mortgages at this time due to a recent divorce. My first application for this program was XXXX XXXX and it was to take place XXXX XXXX for the first deduction from my bank account. My loan number with BofA is XXXX. This never happened as I was told it would. I reached back out to the bank and they told me I had to pay the loan in advance again and they would start it in XXXX on the XXXX and XXXX of that month. Again it did not happen. I again reached out to Bank of America and spoke to another person. Each one of these representatives indicated the application was recieved and they appologized but the same thing pursued. I had to pay the following months payment in advance and they would try again. So I have done this every month since XXXX and again after their one Representative and Supervisor XXXX XXXX XXXX assured me he would make sure it would not happen again but I would need to make the payment early and this would all happen in XXXX. Much to my surprise nothing was taken out of my account and I called XXXX back. He told me he also elevated this to his superiors and again nothing was set up. It was indicated to me several times it was due to representatives at the bank not following up on the request and their people failing to make sure this was implemented. I have been told 5 times that if I make the payment early they will get the payment program set up. I have had it with their failed commitments to implement and have elected to report them for false promises and failing on multiple occasions to set up a program I have been told would be set up. I want this set up once and for all. I 'm tired of all the games that are being played. I have been miss represented by this institution multiple times.

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 02-05-2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (AZ).
Issue: Wrong amount charged or received

Complaint: I transferred {$500.00} by Western Union to a relative in XXXX. WU used a conversion rate of {$1.00} USD = {$1.00} XXXX. I thought that might be a little low and when I questioned the XXXX Phone Customer Service representative he indicaated he understood the conversion rates are determined by the prior days rates. When I checked the currency trading charts I found the rate when I actually transferred the money was {$1.00} XXXX. When I reviewed rate history, the last time the exchange rate was in the {$1.00} XXXX range was on XXXX XXXX XXXX when the rate was {$1.00} XXXX, and the highest rate this year was on XX/XX/XXXX and the rate was {$1.00} XXXX. Looks like I lost {$32.00} in the exchange at the lower rate, almost as much as the {$37.00} TRANSFER FEE. Should this have cost {$74.00} total? How are companies allowed to decide what the exchange rates should be?

Company response to consumer: Closed with explanation