milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2017 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: Information belongs to someone else

Complaint: To whom it may concern : TransUnion & XXXX XXXX XXXX. This has been my 10th attempt to get your attention to make you aware that you are reporting inaccurate information on my credit file and I am sending the letter file attachment as a dispute and as an affidavit. If this matter isnt resolve after the XXXX Holiday I will be forced to file a law suit and take legal actions against your companies that are listed above in the beginning of this message. Please read carefully and know this is not an attempt to collect a dept. This is my final attempt of warning. I will be awaiting your response and prior to your investigation and removing the inaccurate items on my credit file I may be forced to remove the law suit if your companies remove the inaccurate items on my credit file and corporate. If you choose not to cooperate you will be served legal documents with a date when to appear at XXXX County Court House in XXXX XXXX Florida. 
Inaccurate items : XXXX XXXX XXXX All inquiries that are on my credit report was reported inaccurately, I am unaware of inquiries you are continue to report inaccurately and it seem that the inquiries were placed on my credit file by your company without my consent. No creditor or credit Bureau has ever attempted to contact me about the inquires. I am a victim of the recent credit breach and identity theft. Beyond this point I would prefer for creditors and credit bureaus to contact me if any new accounts. I look forward to your response. 
Sincerely 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 03/20/2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I received a XXXX tax from from Bank of America XXXX for an XXXX distribution of {$7000.00}. I do not have an account with them and never been a Bank of America employee. After numerous calls, I was told that it was a fraudulent account opened under my name. I have requested since XX/XX/XXXX for a revised XXXX that show {$0.00}, I am still waiting to receive 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 non-monetary relief
Consumer complaint received 10/24/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: The following is a letter sent to Wells Fargo Bank NA. It involve an erroneous report to the IRS by the bank. 

XX/XX/XXXX WELLS FARGO BANK N.A . 
XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : I am in receipt of a Notice of Deficiency Increase in Tax ... from the Internal Revenue Service. The increase in tax is based on a XXXX filing by Wells Fargo on XX/XX/XXXX claiming I received the benefit of a debt cancellation in the amount of {$8100.00}. 

I have NEVER had a debt owed to Wells Fargo Bank. I have not, to my memory, ever had an account with Wells Fargo Bank. 

The account information you provided to IRS is : XXXX SSN XXXX I am requesting that you rescind the aforementioned XXXX to IRS immediately to avoid any further harassment for a debt I never made. 


Sincerely, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Tel : XXXX XXXX XXXX XXXXXXXXXXXX Cc Internal Revenue Service Citizen 's Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Mortgage (FHA mortgage) with Rhode Island Housing and Mortgage Finance Corporation (NJ).
Issue: Trouble during payment process

Complaint: We requested to have our Mortgage Insurance Premium ( MIP ) removed from the FHA loan on our condo in  XXXX   XXXX , RI in the first week of  XXXX   XXXX . The loan was originally signed in  XXXX   XXXX . Once we received confirmation over the phone, we sent in checks to the amount of {$7200.00} as requested to reach the 78 % required to have the MIP cancelled. The first response from RI housing we received after that was on  XXXX   XXXX  from  XXXX   XXXX , the Customer Service Escrow Supervisor. She stated in an email that the MI could not be removed at that time, but gave no explanation why. After multiple requests by phone and email to schedule an appointment,   XXXX    sent an email on  XXXX   XXXX  saying that the risk manager would be sending us a letter. Multiple times we conveyed our confusion to the response, as the regulations we had found confirmed our ability to cancel the MIP at our request once we met the standard guidelines. On  XXXX   XXXX , Risk Manager  XXXX   XXXX  sent a letter saying that the MIP would not be cancelled and did n't answer our questions regarding  12 USC 4209 ; the  federal guidelines toward cancelling MIP at the request of the borrower. On  XXXX   XXXX  we received a letter stating that we were defaulting on our mortgage due to lack of payment. This is objectively false, and due to the unnecessary delays by the office our payments were never documented. We have saved the email correspondence, have our bank statements, and will be counting all the phone calls we tried to reach R I Housing wit h. We stopped calling  XXXX  's office because our calls were never answered. We tried different phones within the office and asked to be connected in order to get through. We asked for what is rightly ours by the federal laws that protect borrowers. We have met all the criteria to have our premiums cancelled. The premiums RI housing continued to collect 30 days after our initial request should also be refunded to us as the borrower ( which is protected by federal law ). The letter stating default on the mortgage needs to be removed from record as it 's false and destructive for our credit. The office 's inability to offer an adequate customer service needs to be documented and has been proven to be detrimental to the clients they claim to serve.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My XXXX report lists a collection from XXXX, with no information, and no other account showing as a write off or collection as it 's source. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: THE BEGINNING BALANCE AND HIGH CREDIT IS INCORRECT. I AM ATTACHING COPY OF SALES CONTRACT REFLECTING THE CORRECT BEGINNING BALANCE AS {$3000.00} WITH A {$730.00} DOWN PAYMENT NOT THE {$3900.00} BEING REPORTED

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: For the third year in a row, I have requested my free credit report as required by law. I have had no problem getting these reports from XXXX or XXXX. However, I have yet to receive a report from Equifax. There is always something wrong with my responses to their questions and I must " request my XXXX credit report via postal services. ''

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA).
Issue: Fraud or scam

Complaint: I sent an amount of money by using MONEYGRAM.COM, online, there were several holds on which payment was available but i had to constantly give them in intervals more and more information on my personal, i.e. Drivers license, DOB, address year of birth, SS and all uncomfortable information to a representative that was outsourced in a foreign country. I 'm now watching my acct notoriously along with alerting my bank of what transpired, I 'm cancelling the money gram acct and reporting them to all agencies as well.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2016 about Mortgage (Conventional fixed mortgage) with 21ST MORTGAGE CORP. (NM).
Issue: Loan servicing, payments, escrow account

Complaint: 21st. Mortgage has been sending my house payment back to me each month no matter how I make the payment. Then I get a letter letting me know there will be a XXXX dollar late fee. Upon calling them to try and set something up so my payment gets to them any way they want they tell me I have to make 6 payments myself before they can or WILL set any form of auto payments up. Basically I call them to find out why my payment was returned to me and they just cuss me outt telling me there was no payment made!! I tried going over the persons head to see what could be done but was told they did not care I HAVE MY credit union paperwork showing my payments were made and returned!

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (Medical) with Harvard Collections, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My Name is XXXX XXXX, I am the Mother of XXXX XXXX. My son XXXX XXXX was has recieved a letter in the mail stating that he owed a medical bill. XXXX XXXX is a young college student who did n't have insurance at the time of service he recieved at the hospital. A financial application was submitted on his behalf and was approved. XXXX in good faith upon recieving the letter, not knowing that he did not owe the bill. Tried to take care of the debt, however he did this action with out my supervision. Even though he is over XXXX My son need assistance at times because of a XXXX. Which is why I am writing this letter. XXXX gave information to this debtor who collected all the money he had in his account, which was XXXX. When I learned of this I had XXXX call them back, and ask them to return the funds, because he was within his 30 days to dispute the bill he did not owe. However he has never dealt with a debt collector. While I applaud his effort in trying to address thie debt, he was misguided. XXXX called and asked for his funds to be returned because he really could n't afford to pay, and he did n't understand at the time he tried to address the debt. However they have not made any attemp to return his funds.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MI).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: I opened sears credit card on XX/XX/XXXX and was given a credit limit of XXXX.On XX/XX/XXXX, sears reduced my limit from XXXX to XXXX without any warning and no good reason.My credit score was under 600 when I applied and I do have a bankruptcy on my credit file currently and when I applied for credit.Because of this reduction in credit, It has hurt my credit score and credit overall.When I received the letter from sears it states under PLEASE NOTE '' the reporting agency played no part in our decision and is unable to supply the specific reasons why we have reduced your credit limit '' .Prior to this letter and in XX/XX/XXXX, I disputed a sears auto charge regarding some work they did on my vehicle that wasn't needed.I was reimbursed by sears for the charge after a long dispute and letters with sears credit.This has hurt my credit score and my credit overall.

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 07/20/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I was paying CitiMortgage via a Biweekly Advantage plan where I made a partial payment every other week. This program got cancelled. I wanted to continue to pay bi-weekly but I am being told that in order for me to do so, I must call CitiMortgage Customer Service after my second payment for the month and ask them to combine my first and second payment into one payment so that my payment status will change to paid in full and no late fees or other penalties will be assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I tried to resolve the issue with payments online message center to resolve the issue and I 'm not making any progress and I tried to dispute a XXXX day late payment XXXX even though all my payments have been received. I was XXXX days past the due date in XXXX and XXXX and they reported me 30 days late. I believe a double payment was applied towards the principal. I also am being charged a higher interest rate of 27.900 % for not receiving a minimum payment 60 days from the due date of XXXX/XXXX/2015. A payment was due on XXXX and paid on XXXX however ; the statement from XXXX XXXX to XXXX XXXX, 2015 the payment was n't applied- until the next statement- which they state is XXXX days from the due date. Which is misleading and confusing. That is not 60 days- and inaccurate. The statements are made to be confusing to the consumer as when a payment is accurately considered 30 days late. Is it considered 30 days late from the month its paid in or is it late from the payment date on the XXXX th of each month? Please explain. 
I sent them this letter on XXXX XXXX, 2015 : In reference : XXXX day late payment dispute for XXXX 2015-XX/XX/XXXX 2015It has come to my attention that after looking at my payment history there may have been an error on your part in the application of my payments. At one point it appears that you may have not prepaid my account, as I specifically requested and that you have applied a double payment towards the principal, again contrary to my expressed will. Please provide a detailed payment history including dates, application to principal, interest and late fees immediately upon receipt of this request. I will compare the dates and the amounts to my records to determine where this discrepancy aroused. At this point I believe this to be just a bonafide error on your part however ; as it has resulted in a XXXX day late to my credit profile it is a serious matter. Please provide this documentation immediately that I may determine where the application of a double payment to my principal balance as opposed to the prepayment of the next payment arose and thereby your bonafide error was manifested. Again at this point I will review this matter with my Attorney with the understanding that should this be cleared up in an expeditious fashion, there will be no fair credit reporting act violation and no fair debt collection practices violation. 
Thank You for your immediate attention in this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit card () with WELLS FARGO & COMPANY (IL).
Issue: Balance transfer

Complaint: I applied for a home rebate credit card with Wells Fargo to accept a 0 % offer and accepted a balance transfer offer included in that. Upon receiving my card the balance transfer was not processed. I proceeded to complete it online with no complaints, but then inquired via phone first to ensure that my balance transfer would apply towards my home rebate offer. They confirmed it would not so I explained that I would not want the balance transfer to be processed. The representative assured me there was no balance transfer processed on my account, however days later I learned from my limited available credit they had processed a balance transfer to my other credit card. I called and advised I would need it reversed as I had not authorized it, or if so had expressed that I did not want it as they did not advertise that balance transfers were not included in the offer. They also had charged me a fee that I was requesting to be credited. Wells Fargo representatives informed me I would need to proceed with a fraud claim and be issued a new card and that would cancel the balance transfer made on the old card. I did that waited XXXX days to get my new card and the balance transfer amount of XXXX had been credited back on my card, but not the fee. I called again, and was told it can take 7-10 more days and I would need to wait. I did, however in the mean time I checked my account because I had made some rather large purchases and discovered not only had the applied the balance transfer fee again, but I now ( because of my purchases was massively over the credit limit ). I called again and this time was told I needed to contact my other credit card company ( XXXX XXXX ) because there was now nothing we could do. XXXX XXXX stated that they could have reversed it, but it was a small window, and the fact that Wells Fargo had given me the runaround for XXXX weeks, that window had passed. I called Wells Fargo again, where I was hung up on after requesting for further management to resolve the issue. I do not want my credit negatively impacted nor do I want to have the balance held with a company that does business like this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The account information being reported to credit bureaus is inaccurate and misleading.

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 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I filed a dispute online with Transunion regarding an account that is inaccurate and damaging my credit. The agency took longer than 30 days to respond and did not complete anything at all but send me a copy of 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 02/27/2017 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I set up automated bill pay with Chase to pull the minimum + {$20.00} for my Home Equity Line of Credit. The bank did not pull that for XX/XX/XXXX and now has cause me to be past due and are claiming I am at fault for not paying in XX/XX/XXXX. The company is at fault for this mishap and now I will have to pay {$410.00} in XX/XX/XXXX for Chase 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Consumer Loan (Vehicle loan) with CONDOR CAPITAL CORP (PA).
Issue: Managing the loan or lease

Complaint: My wife bought a car at XXXX.they got her financed through condor capitol.they have taken payments sometimes twice a month .the when you try to get them to put it back in her account its a hassle.we have paid bank fees numerous to Times.payments were may that were not credited to her account.they closed her online account so she ca n't view it to see if payments are coming off balance.they say they did it because her car is almost paid off.they wo n't give her a XXXX. Schedule refuse.well she has paid XXXX so far.the other day they came and took our car, XXXX 's payment was n't received they say.we sent copy of check to them by e mail and fax.our bank did also, it was stamped by their bank a week before they stole our car.they said that we had five days to get mess straightened up or they were selling our car.they said it could take up to 48 hours to receive fax from our bank.on day three they say they found payment and even though it was their mistake, they need payoff plus repo fees or they 're selling our car in five days.I 'm losing my job because I use it for work XXXX.please help

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (Medical) with Aargon Agency, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I owed money to XXXX XXXX XXXX and paid it in XXXX 2015. Now I am getting letters from AARGON Collection Agency, XXXX months after I paid, that I owe this debt collector. I have the cancelled check showing payment.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 01/19/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: Wells Fargo had taken the payments I made using their online Bill Payment system and duplicated the payments. When I viewed my account it now showed me as overdrawn because their system showed double the money taken out due to the duplication. The bank did not advise me this was occurring. I did not find out until I went to pay for my dinner and the waitress advised my card has been declined. 

I called into Wells Fargo and had to spend two hours on hold for them to advise me they had a " Glitch '' and it would correct itself by XXXX. 

I was financially harmed as I had to charge my dinner onto a credit card ( paying interest ) to cover my dinner. Money that should have been available to me for use.

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 Debt collection (Credit card debt) with CITIBANK, N.A. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Citibank I disputed this account about charges that they told me they was going to look into. I call time after time and they told me some one would get back with me. 
I wrote and disputed this account with 3 letters before it was turn over to collection and disputed it with no follow up on there part and mailed 2 letters disputing the account. And was talk to crazy on the phone and threating me to pay them XXXX XXXX. 
I 'm also being talking to some one of my legal rights rather to sue and show documents to the account or resolve 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 explanation