milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/14/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Credit card protection / Debt protection

Complaint: 1. I have a USAA MasterCard. USAA wants to switch to XXXX. They have sent me notices that I can " upgrade '' to XXXX. I have responded that I do not want to " upgrade. '' 2. Reviewing my account on line, USAA has arbitrarily opened a XXXX account in my name. I do not have a new card, have not activated an account - but a new account is being shown as open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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: Hello I sent off 5 dispute letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking them to send me verification of the late payments on 2 accounts that I question or remove them. 1 of the accounts was closed and transferred as paid with {$0.00} balance had late payments of XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX and the other one was in good standing which I 'm currently paying on had a late pyment of XX/XX/XXXX. In return I only was told that the accounts was mine and has been updated. While only disputing these 2 accounts, the account that I had that was in good standing was removed from my credit report when I only disputed the 1 late payment and there were now additional accounts that was closed and transferred with {$0.00} balance as paid payment status has now been changed to payment status unknown only with the 2 accounts in question.

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 05-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have a debt in collections with IQ data international from XXXX from years ago and want to resolve this debt. I asked for a letter stating how much I owed and where to send money. They said they do not send letters because my account is in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Mortgage (Conventional home mortgage) with Stearns Ventures, LLC (FL).
Issue: Trouble during payment process

Complaint: The home insurance and property taxes figured in at closing have not increased however Stearns lending is showing a shortage on the escrow account after trying to force their own Stearns XXXX XXXX policy on the account. After the account was reimbursed for the unneeded/ fraudulent home insurance policy ( a separate policy had already been paid for in full at closing XXXX, there was a sudden shortage on the escrow account. My closing documents show that {$3800.00} was the escrow property costs at closing. The Stearns website shows that the required escrow amount is {$3800.00} which is a difference of {$27.00} but my required escrow payment went up $ XXXX month. I have contacted them several times ( Ticket # XXXX & Ticket # XXXX ) but no one will return my calls/ emails.

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 05-02-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/2016 My mortgage payment was submitted to Bank of America electronically on their Bill Pay web site from my Bank of America checking account to my Bank of America mortgage. 
On XXXX/XXXX/2016 My payment was refunded to my checking account and a late fee was assessed. I have called and asked for the late fee to be removed because the payment was sent and received and subsequently returned. I have made numerous phone calls and have been told the fee can not be removed.

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 07/19/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have disputed an item 5 times and have not received an answer from the collection agency, The issue was fraud and I have submitted all necessary paperwork Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX Account- XXXX Amount : {$770.00} To whom it may concern : I have disputed the following debt on the following dates : XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 I have attached copies of my previous correspondences which include the following : Fraud Affidavit Copy of Credit Report Police Report This account was set up fraudulently, and is not mine. I have not received a single reply from XXXX which is in violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Struggling to pay mortgage

Complaint: We have been wanting to do a short sale since  XXXX    XXXX  . Our biggest complaint is why our short sale was denied when our home was appraised for {$120000.00} and the top buyer for our home is offering {$120000.00}! It does n't make sense! We 've done everything our bank demanded us to complete.We gave them our financials m ore than4  different times. They required us to fill   RMA forms   for them  3 d ifferent times. We have had to write multipleletters to the bank to let them know that we do not want the house and ca n't afford to keep the house. We have sent in hardship letters to them on more than  2 o ccasions.I do not understand why  HUD   is denying the short sale process! It seems very fraudulent that they and Bank of America wo n't accept an offer that 's above the appraised value!

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 10-12-2017 about Debt collection (Auto debt) with LOBEL FINANCIAL CORPORATION (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I wrote a letter to the company requesting information I received a copy of judgement that I was NEVER served with a prejudgment interest rate of 22.95 % which is crazy plus I no longer lived in the state wondering if this is authentic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and have been a victim of identity theft for quite some time. I have a fraudulent and unauthorized collection account and credit inquiries listed on my  XXXX   XXXX ,  XXXX  and Experian credit report that do n't belong to me. The collection account and credit inquiries are all fraudulent and unauthorized. I have been receiving threatening phone calls of death threats for the collection account with   XXXX   XXXX  . The following collection account is fraudulent and unauthorized :   XXXX   XXXX   {$460.00},  XXXX / XXXX / XXXX , the following credit inquiries are fraudulent and unauthorized :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 explanation
Consumer complaint received 04-04-2017 about Debt collection (Credit card) with GC Services Limited Partnership (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The collection agency left repeated automated messages on my answering machine associated with the above number ... the message was such anyone in the household were advised of my debt to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Trouble during payment process

Complaint: Wells Fargo is retaliating against me for filing a complaint with your office. I complained that they have in effect stolen my Hurricane Harvey insurance proceeds by refusing to cash the check locally. They have forced me to sign the check and mail to South Carolina. They have delayed the restoration of my flooded home by 10 days. I have no check and no information on when said check will be sent to me. Today I received a " hold wells fargo harmless form '' This is EXTORTION. This document was not on any list of required documents. This only came after I filed a complaint with your office, my senators, us representation and XXXX " reclaiming my time '' XXXX on the house banking committee. Wells Fargo has indeed harmed me by hold {$53000.00} without paying me any interest and delaying necessary work on my home. I doubt I will have a contractor by the time they get around to reissuing the check. He is getting more and more jobs EVERY DAY. And I ca n't get him started on my home. I have tried to work with a " customer resolution specialist ''. They call and are so very sorry I am frustrated but they know NOTHING. They are going to look into it.

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 01-02-2018 about Debt collection (I do not know) with AUDIT SYSTEMS,INC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX has mailed me to letters about two check I wrote that did not clear and I still owe money. I contacted both companies and my bank. I was informed my my debt was payed. My first letter, was a debt from XXXX/XXXX/XXXX XXXX XXXX XXXX for {$200.00}. My second letter, XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX  XXXX for {$50.00}. I have tried to call there place of business no one answered the phone. My dentist secretary also called and did not get an answer either.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: This consumer : 1. Attempted to login to his Transunion account to review status. 2. Login, and or, password was not recognized. Consequently, this consumer is routed to a page asking what is the consumer 's high school mascot name and what is his email. I provide the right information. However, it kicks back as wrong. 3. I am routed to an off-shore XXXX XXXX XXXX number. 4. I call that number. The Transunion representative can not access my information. and suggests I email my state or federal I.D . I email my state I.D . 5. I call back. This time, the Transunion representative states that my only option is to go to XXXX. I explain that under XXXX and state consumer protection law, Transunion is obligated to do much more than that. 5. I am switched to a supervisor who says that Transunion is not even obligated to do for this consumer what was already stated in previous conversations. So, erroneous information remains on the Transunion report for this consumer. This consumer is left with no material way to correct or mitigate this problem. I and millions of American consumers are adversely impacted by the conduct of information barons like Transunion. Credit reports impact an American consumer 's ability to get a job or housing. Transunion can hurt families in this regard. Currently, it appears that I have identity theft and a false record issues with Transunion. I have collections that are not mine. I have access or profile information that is not correct. Transunion is refusing to make resolution possible or easy.

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 Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX is showing on my credit file 6 times with the same account info, I disputed it as duplicate but for some reason it came back as verified.

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 04/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Municipal Collections Services, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX Services Inc. is reporting a non paid red light ticket on XXXX. This is not consumer debt and should not be reported on my credit bureau. These tickets are not mine. Another individual was driving my car and I was not in the car at the time of the occurrences. I was told I am responsible when someone else is driving my car. 

I have called both the credit bureaus and the collection agencies. They said they can do this. This is not consumer debt these are fines. Traffic Violations are not reported to credit bureaus. Therefore all of these fines which are not mine should not be reporting on my credit bureau.

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 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation XXXX breach has destroy my life again not my scores are so low i cant do nothing new accounts that are not mine so many inquires sent the police report of fraud and Idtheft gov need this to be taken care of asap

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 10/28/2015 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (IL).
Issue: Other transaction issues

Complaint: I was wired money by my sister across the country. I went to the nearest western union licensed against. There were probably XXXX or XXXX other customers in the store. I go to grab a slip that I 'm supposed to write my private information on including : my password, phone number, address, and that same information about my sister the sender of money. When I ask for a form to fill out he says do n't worry about just tell me the information. So I provide him with the information but because it is not written down I believe he put the password in wrong. He says " The passwords wrong I can help you '' and go 's to another person. As I 'm on the phone with customer service I hear him making derogatory and discriminating remarks about XXXX and refusing to answer customer clients. He seemed to have XXXX friends hanging out with him and was only interested in getting the rest of us out. When I reached customer service via phone I explained to the guy on the phone that I am attempting to receive money but the agent claims he 's locked out of the system, so the phone guy told me to tell the agent to call a certain number. The Agent say " No, I do n't feel like it right now, maybe if you come tomorrow. '' I relay this to the guy on the phone who I then attempt to get the agent to talk to. the againt says " No, You should go. '' So then I tell the guy on the phone I 'd like to file a complaint about this again. The guy on the phone says he needs his name and agent license number. I have neither so I ask the agent and his reply is Get out. Ultimately I never got his name or license number, but I did get the store address and name, and he is the only guy behind the counter during the day time. He also Never gave me the money I came in for although now he and all of his friends in the store had the private information for withdrawing the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CO).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I used the {$370.00} " Cash Rewards '' balance on my XXXX XXXX XXXX XXXX to pay my {$350.00} outstanding month-end balance. However, Citi requires you to also pay your " minimum payment due '' amount or your account is considered " past due ''. So, in my case, if I had not used the credit card during the month, I would have had a {$15.00} credit balance ( {$350.00} amount due less the {$270.00} credit )! Citi describes the reward as " cash '' and even includes the word " cash '' in the credit card 's name. Yet it does not qualify as " cash '' when you use it to pay off your balance! This is wrong and needs to change.

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 02/22/2018 about Debt collection (Medical debt) with Retrieval-Masters Creditors Bureau, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Service Provider : XXXX XXXX ; Services Provided : XXXX XXXX ; Date of Service : XX/XX/XXXX ;  Invoice # : XXXX ; Claimed Amount : {$100.00} ; XXXX XXXX are claiming that I have not paid their above Invoice for services provided on XX/XX/XXXX. 
I paid this amount through my XXXX XXXX XXXX ( XXXX ) bill payment service in two equal installments of {$50.00} each as follows : 1. Electronic Payment from XXXX  XXXX XXXX {$50.00} on XX/XX/XXXX 2.  Electronic Payment from XXXX XXXX XXXX {$50.00} on XX/XX/XXXX The above information was provided to XXXX XXXX of XXXX XXXX ( Tel : XXXX ) 9-28 2017 by XXXX.. 
On XX/XX/XXXX I spoke with XXXX XXXX XXXX XXXX and provided the information again. She promised to investigate and call me back in 5 business days, but never returned my call. 
They have now referred this fraudulent claim to a Collection Agency - American Medical Collection Agency. This has affected my credit rating and I am being continued to be harassed. 
I am a retired person and I am being harassed for no reason. Please intervene to stop this tyranny! 
I also need them to have my credit repaired. 
Thank you. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Delinquent account

Complaint: Dear sir/madam, as I was going through my credit report on XXXXthen I noticed a negative report on my credit. The negative report was from Capital one Bank, any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine.. First I have never had any Capital one Bank account with THIS ACCOUNT NUMBER XXXX. I Copy this account number from my XXXX credit report. Second, They have to explain which address I was living when I acquired this dept. I am requesting that Capital one Bank or any of it affiliates should remove such negative and false statement from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Please note that I have tried every possible way to resolve this matter amicable over the past 5 years. I have used attorneys and attempted to resolve the matter with the courts. At this moment I have faced XXXX foreclosure sales both of which i was able to stop and the XXXX is now scheduled for XXXX XXXX, XXXX. In an effort to stop this one my attorney asked me to file this complaint and if that did not work I was going to file another montion and or a lawsuit against the bank and the lawfirm for illegally attempting to foreclose on my property all teh while I have been in negotiations with both the attorney representing the bank as well as in negotiations and discussions wiht the loan servicing company. As of date i have submitted an offer letter to settle the loan in liuie of forelosure, i have submitted to the Attorney a offer letter in writting and in email format and to teh servicing company Financial information for my current fiscal year XXXX and tax information for XXXX, XXXX and XXXX fiscal years including a letter of representation from my accountant. I have email and faxed the document multiple times. As such the representative from the servicing company assured me that the foreclosure would be stopped and to this date it is still pending. I am writting to you to assist me with stopping this foreclosure procedding and investigating as I am compelled to clain that they are violating my right and potetntially ignoring my efforts to settle this matter amicable. 
As I have stated I have spent money on attorney to assist me and yet still they do not work in any minigful way to resolve the loan default status. I continue to waste money and time fighting this. I have made an offer of XXXX to settle a loan amoutn of XXXX but to now I can not get a response from any one including the attorney of record and the bank or its servicing company. 

Please not if I can not get assistance in stopping this foreclosure, i ahve instructed my lawyer to suit the attorney and the bank for violating my right under the protections granted me under teh Consumer Financial protection act. 

Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Debt collection (I do not know) with Adler Wallach & Associates, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This collection company has been properly notified both by mail and fax that the debt they report on my experian does not belong to me. They have been asked to show proof and can not. They have responded to zero request as a matter of fact. Thier phone number listed on the Internet is not valid and I have read horrible things about this same thing happened to thousands of people. It is amazing how little verification is given when C R As ask companies to verify and how much they ignore the law.

Company response to consumer: Closed with non-monetary relief