milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX Reported an account in tantamount of XXXX.to all.three credit bureaus. I have no knowledge of this account and I asked company to please accurately validate the debt since I am.disputing the debt. The company never honored my dispute request. this company just reported these accounts without validation or giving me the opportunity to dispute The information listed on on the credit bureaus are wrong. Thry have a open fate of XXXX 2017 and an amount owed of XXXX, which I do not have any account in that amount that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 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 status incorrect

Complaint: Questioned billing and computer error through first and second notice. Received zero to answer my questions under FCBA. XXXX reported my account as delinquent to XXXX with no investigation. A violation of my rights!! My credit score is now damaged due to negligence on XXXX part to do a proper investigation. My credit was perfect up until this fraud and deception took place!

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 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Paid accounts, refinanced student loans shows as " closed accounts '' As I know closed accounts may negatively affect my credit health, so I am fighting to defend my reputation, I want TransUnion, XXXX, XXXX to DELETE all the paid and refinanced accounts to keep my reputation clean because I am serious about taking care of my credit.

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 09-06-2017 about Money transfer, virtual currency, or money service (Money order) with WESTERN UNION COMPANY, THE (GA).
Issue: Lost or stolen money order

Complaint: Money orders were stolen from our office in XX/XX/XXXX. I contacted Western Union customer care and was directed to file an online Payee Affidavit for each stolen money order and submit it through the mail which I did. After calling Western Union several times I have yet to receive an answer as of XX/XX/XXXX as to the status of my stolen money orders totaling more than {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am not able to remove a credit freeze I may have put on my account when I was disputing some items. Now I ca n't get credit because most places say that they can not pull my credit due to a credit freeze. I was trying to get my free credit report on line but because there is a Credit Freeze, I was not able to get any of the reports online. I try to contact all XXXX bureaus but non offer an online or telephone call to remove the CREDIT FREEZE, please help, they are killing me with denials due to unable to see my credit.

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 08/31/2016 about Consumer Loan (Installment loan) with CIT BANK, NATIONAL ASSOCIATION (VA).
Issue: Managing the loan or lease

Complaint: I recently submitted a complaint against CIT complaint number XXXX and the company got back to me with a response that stated a deed of trust that was in question still stands and we owed a balance of XXXX. After conducting my own research I discovered that the deed of trust had a maturity date of XXXX XXXX, XXXX and under Nevada law, XXXX XXXX, the expiration date is ten years after the maturity date which would have been XXXX XXXX, XXXX. The company should have released this deed in XXXX and did not. Instead they are still stating the money is still owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2018 about Mortgage (FHA mortgage) with AmeriHome Mortgage Company, LLC (GA).
Issue: Trouble during payment process

Complaint: I lost my job just after closing on the house in late XX/XX/XXXX. I used savings to make the payments until XX/XX/XXXX, when I couldn't make the XX/XX/XXXX payment. I have since gone back to work but am behind for XX/XX/XXXX, XX/XX/XXXX and tomorrow, XX/XX/XXXX. I have tried to call the company several times, but am kept on hold a very long time or no one answers. I've sent 4 written messages through the company 's online message center but no one has responded to any of my messages or answered any of my questions. I get at least one letter or statement each day from this company, but no one will talk with me when I call or reach out to the through their website or loan administration portal. I can only make 2 or 3 payments online. Their portal will not allow one payment. I can't make a payment over the phone because I can't get anyone to talk with me. I finally mailed one payment in on XX/XX/XXXX, but they are telling me they haven't received it and it has not been posted to my account and it has been 7 days. I received a letter today telling me that I must make 2 payments on or before XX/XX/XXXX or I will be in the foreclosure process. They will not accept one payment. Only two. I'm not making partial payments, but full payments, but I can't make two at a time. I don't know what to do since this company will not accept a mortgage payment from me but is threatening foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Consumer Loan (Vehicle loan) with M&T BANK CORPORATION (NY).
Issue: Shopping for a loan or lease

Complaint: I purchased a Ford XXXX Ranger in XXXX XXXX, for {$19000.00}, excluding sales tax. It was financed through M & T bank for 72 months, at 5.54 %. The payout is approximately {$22000.00}. Owing to medical issues ( XXXX XXXX XXXX XXXX ), I now have some difficulty driving a pickup, and my wife of 30 years passed XX/XX/XXXX. I subsequently returned the vehicle to the original dealer for resale ; however, the best offer they can garner is {$15000.00}, leaving about a {$7000.00} difference. I can make up some of this difference, but not the whole amount.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MARINER FINANCE, LLC (MD).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: these debts were paid off in full and still put on my credit report anyway. ( XXXX /Mariner Finance. XXXX was given my visa card # to take the money directly from my checking acct. the XX/XX/2016. I called asked why they did not take the payment out. I was given the run around so on XX/XX/XXXX I called XXXX and paid them with my Visa card on XXXX XXXX 2016 my acct. was at that time paid in full. I then called XXXX told them what I had done and why.

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 05-03-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On  XXXX / XXXX /  XXXX   I deposited a {$250.00} typed bank check from  XXXX   XXXX    XXXX   into my Bank of America checking account. The funds were immediately electronically withdrawn from  XXXX   XXXX  & deposited into my account. On  XXXX / XXXX /  XXXX  ,  four  days after the transaction was completed, Bank of America seized the {$250.00} from my account. As reviewing my account transactions on  XXXX / XXXX /  XXXX  , I observed that  BOA  had seized my deposit. I immediately began calling BOA customer service centers to resolve the problem. I was told on  3  separate calls to  BOA  customer service centers that the money was seized because the original check could not be verified. BOA claims the bank check could not be read well enough to be verified, yet their online banking center provides me a crystal clear image of the check in question. BOA read the check well enough to withdraw the funds from the correct  XXXX   XXXX  account, yet could n't read it well enough to keep the funds where deposited? I contacted the   XXXX   XXXX    XXXX   customer to discuss the issue & see if their funds were returned. The   XXXX   XXXX   XXXX    customer immediately began investigating the fund withdrawal through a  XXXX   XXXX  telephone representative. The investigation with  XXXX   XXXX  found that t BOA  did not try to return the seized funds to the   XXXX   XXXX   XXXX   or the  XXXX   XXXX  customer. BOA did not make any effort to notify me that they were actively withdrawing money from my account for any reason. My calls to  BOA  resulted in rhetorical circle explanations stating there was nothing I could do whatsoever to resolve the problem. In the manner in wh ich BOA  dismissed this issue, offering no resolve or assistance ; I do not believe this is an isolated incident. I firmly believe that BOA is performing these types of scenarios to people ( especially since the amounts are low enough to not afford a lawyer to take to court ). I truly believe  BOA  is running a scam, in small amounts to avoid massive public push back. They target random people, hoping to prey upon the elderly or individuals who speak  XXXX  as a second language who do n't know how to push back against an enormous corporation. The fact that the seized funds of {$250.00} makes me all the more suspect. Who, in their right mind, would hire an expensive lawyer to fight for {$250.00}? No one. Which means,  BOA  can conveniently make these types of monetary  seizures to  millions of bank customers and probably get away with it. This is an enormous illegal money making scheme that someone needs to investigate. I bet this scheme is netting millions from innocent 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 explanation
Consumer complaint received 02/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I submitted a letter to XXXX regarding this school claiming I owed money on a balance. I received student loans for the semester a class was dropped before the drop deadline and the school added a balance. Per the school 's own policies and procedures this bill is invalid. I stated this to the school, XXXX, and the collection agency. They refuse to validate the debt I requested this on numerous occasions via email and through mail never responded. According to the law if a company refuses to validate a debt the debt is invalid and has to be removed from your credit report. I stated this to Transunion in my complaint they did nothing to fix the error.

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 CREDIT ACCEPTANCE CORPORATION (OK).
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: The vehicle in question was having serious mechanical issues 3 months after I got it. I took it to their only " authorized '' repair shop and they had it for a month and had other from other stores come and look at it as well and they stated that it could not be fixed. They rebuilt the engine and said that the problem of gas shooting out of the tailpipe was a serious issue and they could not figure out what was causing it or how to repair it. Since the car was not drivable and they gave up and no longer would continue to work on finding the issue, that there was nothing that could be done. It was repossessed from the repair place and my request. However, I am not liable for this money that was owed on the loan because it could not be repaired into a drivable condition by the only repair place that they would allow me to take it to. This needs to be removed off my credit reports because I am not liable for this loan any longer.

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 03/20/2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Advertising and marketing

Complaint: I opened an American Express Platinum Business card last XX/XX/XXXX. The signon bonus is XXXX membership points after spending {$15000.00}. Soon after I got the card, I also got a targeted offer letter with the signon bonus of XXXX after speding {$10000.00}. So I called American Express to ask what offer my card had. They told me it 's the same as the targeted offer letter. So I spent a little more than {$10000.00} by XX/XX/XXXX. Then I found I only got XXXX points. I started to call AMEX and told them the story and they promised to open an investigation. I did n't hear anything back from them so I called AMEX again today. To my surprise, I was told even they gave me the wrong information, they ca n't change the original offer, nor offer me other options ( such as I spend the required {$5000.00} in the next week or so ) so that I could get the missed XXXX points. I think it 's really unfair given the fact that I was given the wrong information so the spending requirement was not met.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I contacted Wakefield and Associates on XX/XX/XXXX about an alleged {$1200.00} debt to a hospital. I asked that they return proof that I actually owe what they claim. They have failed to produce proof in over 2 months and they are impacting my credit with claims of late payment.

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 02-10-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Closing/Cancelling account

Complaint: I have had a CitiAadvantage card for years with Citibank. On XXXX I was told the bank declined my card. They have made no attempt to contact me, and when I check my account online it still shows that it 's open, and current with no overdue balance. I have tried repeatedly to call Citicard customer service to find out why, but they say they can tell me nothing. After several tries to reach upper supervisors ( and being hung up on once ) I was told it was " a security issue '' and that the only way to get a response was to mail them a letter and wait for a response. If there are security issues with my account or credit, I need to know in real time. Apparently there is an " executive response unit '' from which this information is mailed, but there is no way to reach them except by snail mail. The company 's refusal to provide me any information is unacceptable, and puts both my financial security & credit at risk.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am formally requesting that AMS remove the 30 day late reported on my credit report as it is INACCURATE. For account number AMS SERVICING INC XXXX we were never late during the month it shows on the report, please delete the 30 day late reported as it is incorrect and see my proof of payment that I made to the previous mortgage serviser!

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Skrill USA, Inc. (ND).
Issue: Fraud or scam

Complaint: Hello, This complaint is concerning the practices of Skrill which is an online way to send payments over the web much like XXXX 

I set up a Skrill account on XX/XX/XXXX and added funds via credit card which it linked to my joint bank account with my husband. 

I added funds and purchased b itcoins from XXXX website which the person provids an email address for their Skrill account and funds are transferred. That transaction went fine. 

On XX/XX/XXXX I made two uploads to Skrill from my linked credit cards on their site. The funds uploaded fine but when attempting a {$120.00} transaction sending to an email address I received a message advising to contact Skrill as there is an issue with my account. 

I emailed them and they advised restrictions have been placed on my account and I needed to provide answers to what I was using my Skrill account for and who I was sending money too and also wanted a credit card statement for card used to add money to my account. 

I responded back with details of my transaction, etc. and explained that my credit card is linked to my bank account and I do not get a statement like a normal credit card. I provided a screenshot of my bank account that shows their debits via the card. 

I received a canned message back from them advising they need a credit card statement. It is apparent that no one really reads the emails sent to them and just sends a canned response asking for the info you can not provide. 

After researching I read online the numerous complaints of Skrills practices of allowing funds to be added to your account but then " restrictions '' put on the account which keeps you from doing anything with your money. Eventually hoping you give up or the funds are eaten away by their fees for inactivity etc. 

The main complaint I have is that if they decided to restrict my account and question my very first transaction sent out which they wanted details of ... why allow the person to add money to their account? I had no clue of the restriction until I uploaded more funds and tried making a second transaction. 

At this point I just want my {$120.00} refunded and my account closed. I think that Skrill is deceptive in allowing funds to be added and then holding your money hostage while saying they need additional documentation that you can not provide regarding previous transactions. I believe this a scam that they try to pass off as security measures so you have no recourse to get your funds. 


Any assistance would by greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Received an email from Synchrony Bank requesting information on a closed account. I contacted the telephone number provided and no one was able to advise as to why this email was sent on a closed account. This could be potential fraud and no one at synchrony bank can explain where the email was originated from.

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 10-12-2015 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX, 2010 I purchased a foreclosed home from Bank of America XXXX BofA XXXX. BofA still thinks that it owns the home and is mailing me debt collection notices and sending debt collectors to my house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: TransUnion refused to provide a copy of my credit report. The need more data - Like : a bank statement, copy of a SS card, copy of a birth certificate and on and on. XXXX did send a report, the data I supplied was good enough for them.

Company public response: Company chooses not to provide a public response
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 CarFinance Capital LLC (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX Inquiry Date : XX/XX/XXXX Clothing Store i have never applied at this store for credit and they put a inquiry on my XXXX report. 

XXXX XXXX XXXX inquiry date : XX/XX/XXXX bank credit cards i haven't applied for XXXX XXXX XXXX credit cards they put inquiry on my XXXX report. 

XXXX XXXX XXXX : inquiry dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX put 5 different inquiries on 5 different dates on all of my 3 credit  burues i have never authorize any of this inquires i have been a victim of fraud before thats why i have so many inquires that doesn't belong to me.

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