milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-03-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Unauthorized transactions or other transaction problem

Complaint: OnXX/XX/XXXX, I made two online transfers from my Bank of America account to XXXX XXXX at mobile number XXXX, each for {$100.00}. She did not receive either transfer so I wrote her a check for {$200.00}. Later I determined that Bank of America had debited {$200.00} from my account for the two online transfers. After considerable hassle getting to the " right department '' I finally spoke with someone in the " move money '' department. They said they would research the transaction and if it was sent to the wrong account I would receive a credit and if it was sent to an account associated with the mobile number I provided Bank of America they would have the receiving bank reach out to the owner of the account to if the money was sent to them in error ( and then credit my account ).
No one got back with me. I called again XXXX XXXX and was told that Bank of America 's records showed both transfers were made to an account at " XXXX XXXX '' but when they contacted XXXX XXXX that bank had no record of the transaction. Bank of America told me they would do further research and get back with me. They did not. I did some internet research and did not find an " XXXX XXXX ''.
I called again on XX/XX/XXXX. I was told they had determined that they would not give me a credit, nor could they give me the name of the bank ( even though they had already told me the name onXX/XX/XXXX ) and could not give me the name of the account owner. I let them know I had already been informed that the receiving bank did n't have a record of the transaction. They said they would be able to send me the documents that they relied upon in making the transaction. They also said that a supervisor would call. They did not send any documents and a supervisor did not call.
I called again on XX/XX/XXXX and they still would not credit my account and the story this time was that there are no documents showing what account they made the transaction to. But even though they ca n't prove that the transaction was made, or to whom it was made, they will not make a credit.
My case number with Bank of America is XXXX.
Thank you for your assistance.

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 08/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went on line filled out all the correct information to receive my free credit report. XXXX gave me my report the other XXXX bureaus would not. Without all XXXX reports I can not use this information to take to my bank. I answered all the questions correctly. It seems to be a scam that if I can identify myself correctly with XXXX the others should comply. There should be XXXX portal. Now that I have used up my 'once a year ' with XXXX and I do n't have the other XXXX reports I am stuck to wait XXXX year. They offered to give me a report in 30 days ... what good does that do? This is just a complicated way of not providing consumers what they legally have the right to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A few months ago, I was placed into baker act into a local hospital in XXXX, Florida. XXXX hospital I was being treated involuntary for an XXXX XXXX in the XXXX  Unit. During this time someone had applied for a XXXX XXXX card in my name, and utilized it to make multiple transactions. XXXX XXXX is attempting to collect the account dues after receiving information that I had mailed over. I had certified a letter over to the company and fax over information relating to the fraud report. They had said they would look into it and never heard from them again. They keep reporting to credit bureau the account active and with a balance conditioning it as " late '' and " delinquent '' negatively affecting my credit score.  Around that time a company called, XXXX XXXX XXXX, also reported a credit card with a balance, I called them and report that the account was fraudulent. XXXX XXXX XXXX closed the account and sent a letter to me notifying that the account creation was unauthorized and the charges were not obligated. They removed the account from my credit report that had been shown as " late. '' Unfortunately XXXX XXXX has failed to do that.

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 07/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: You have my name down as XXXX, XXXX XXXX - My ex husband from years ago is XXXX XXXX XXXX, his name should NOTot be on my name, my New husband of 12 yrs name is not on my name. Please take the XXXX off my name, we have separate Credit reports

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2018 about Debt collection (Other debt) with Credence Resource Management, LLC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I noticed that I had an account in collection via my credit report for XXXX XXXX XXXX and this debt was being persuded by a company called Credence. I contacted the debt collection company and XXXX XXXX XXXX and requested this debt be verified and validated. XXXX XXXX XXXX did not have an account attached to my social or the account number given by Credence. I received a letter in the mail from Credence on XXXX/XXXX/XXXX with a billing statement. Upon reading through this document I discovered several inaccuracies including a billing statement dates of XXXX/XXXX/XXXX to XXXX/XXXX/XXXX with a payment due date of XXXX/XXXX/XXXX, the letter was dated XXXX/XXXX/XXXX, an non residential address, and an invalid account number given by Credence. I contacted the company directly about my worries about this obvious docted document and they informed me they received it directly from XXXX XXXX XXXX. I pulled my credit report and this debt is reported on XXXX/XXXX/XXXX. Credence is standing by their story that this document came directly from XXXX XXXX XXXX and they are demanding immediate payment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX several occasion I have contacted Equifax Information Services LLC in regards to some allege debt that has been reporting on my credit report as deragatory or negative items. I request on many occasion that this credit bureau validate the allege debts but I have never receive any evidence of verified debt from original source. The credit bureau is suppose to request verifiable proof not partially but in whole according to federal law. The law require the bureau to only report the negative item if they have 100 percent verifiable proof in regards to the negative item that they are reporting. The credit bureau is suppose to get the original contract along with other documents from the original creditors and within 30 days provide the information to me. Equifax is reporting XXXX XXXX XXXX credit cards, XXXX credit card, XXXX, XXXX XXXX XXXX, XXXX XXXX, and a Bankruptcy as negative items or deragatory items on my credit report. On several occasion I have disputed these allege item and although Equifax fail to provide me with require information that these allege debt are 100 percent accurate, Equifax still reports these negative information on my credit report. I have receive letters from XXXX stating that they cant provide me with validation on debt, I have letter recent as XXXX/XXXX/15. So if they are sending me these letters how is it that Equifax is stating that allege debt has been verified. Also I have received letters from XXXX stating that they cant validate the allege debt but this negative item is till being reported on my credit files. Equifax needs to provide legitimate validation and fulfil their legal obligation by investigating the disputes. Equifax is suppose to exercise their responsibility with fairness, impartiality and respect for all consumers. Equifax never state how these allege debt was verified, whether by mail, by email, by fax, or by telephone. Equifax is violating the Fair Credit Reporting Act, The Fair Debt Reporting Act, and other federal consumer protection laws. Verifiable proof not partially but in whole is required by federal law, and negative items are only suppose to be reported when you have 100 percent verifiable proof. Now Equifax continue to report negative items on my credit report and fail to provide me with 100 percent accurate, legitimate validation of allege negatives that they are reporting on m y credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Daniels Norelli Scully & Cecere, P.C. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have received at least XXXX phone calls from a company with the phone XXXX XXXX. The company said they are a non attorney office of lawyers. Each time they call I have asked for verification of the loan and have never received. This time they said there was an arrest warrant for my arrest or they were filing for it.I am sorry I do n't remember which XXXX as I have XXXX. It was threatening and as always I asked for verification as I felt the loan was paid. They also stated they showed that verification was asked for in XXXX of 2014 but they asked for it since it was just transferred to them. This was a lie as I have XXXX XXXX the number each time and it has been the same agency each call. I want the verification and the threatening to stop.

Company response to consumer: Closed
Consumer complaint received 12/28/2015 about Debt collection (Credit card) with The CBE Group, Inc. (NE).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This matter involves credit card debt with XXXX XXXX XXXX which was referred to CBE Group for collections. XXXX XXXX XXXX had my correct address as bills were sent monthly to me. Once this was referred to CBE Group they used an old address where I have not resided for years. When this was sent to the old address it was opened by the occupant at that address who in turned contacted me about the letter, debt and what it was about. This resulted in great embarrassment and mental anguish. There was no reason for this to happen and I believe that corrective actions need to be taken, including fines and damages.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with R & B Corporation of Virginia (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX of 2015, I moved fromXXXX XXXX, XXXX XXXX ca XXXX to XXXX XXXX, XXXX XXXX, ca XXXX, my cable co now and then was XXXX XXXX, per thier instruction I left the cable 's equipments on the old home and paid my balance in full, few todays ago I tried to refinance my new home for better rate, I notice I had unpaid debt from XXXX that reported to Credit Controll, so I called XXXX and spoke to XXXX XXXX XXXX, after 10 minutes of researched he did locate the equipment at old resident and noted the account and reported to XXXX XXXX but due to error in reporting me to credit bureaus without notifying and now it costing me almost few hundred dollors amount, XXXX and credit Control must emmedaietly remove this costly reporting error to credit bureaus and FCPB make them to pay penatly for destroying my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Management Company (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I disputed this account via XXXX and the creditor removed it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: On information and/or belief, XXXX is re-aging and/or falsely manipulating at least two of my former credit card accounts. [ 1 ] XXXX reporting as closed XXXX XXXX and XXXX 2 XXXX XXXX reporting as closed XXXX XXXX. 

PREVIOUSLY I reported to this body that XXXX closed these two accounts without prior notice a number of years ago, on information and/or belief in XXXX. 

PREVIOUSLY XXXX reported to this body that they had closed these two accounts without prior notice a number of years ago, on information and/or belief in XXXX. 

NOW XXXX is reporting both accounts [ CLOSED XXXX XXXX XXXX. On information and/or belief, this is deliberate fraud on the part of XXXX and in violation of FCRA.

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 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Ive contacted and complained to all of the inquiries to each company no response

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called  XXXX  about an inquiry on   XXXX   and was told to send a copy of my credit report to the proper department as it was confirmed I did not apply for any products on the inquiry date. I have not heard back and the inquiry has not been deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Debt collection (Medical) with CCS Financial Services, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The XXXX XXXX XXXX was billing my XXXX son rather than myself, his mother. I am the primary insurance holder and responsible party that should have been contacted to settle the balance. I was unaware of the balance owed of {$12.00} and had paid for all of my known balances. I recently received a Credit Collection bill in the mail addressed to my XXXX son and immediately called the Credit Collection XXXX and XXXX who said they had made a mistake in billing my son. They have made other billing errors before and I am filing a complaint as I am concerned that this type of mistake would affect a non-responsible party, especially XXXX who is a minor.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: Transunion deleted my Bankruptcy on XX/XX/XXXX, but then re-added it to my report. It was deleted and should remain deleted. Also they are reporting XXXX XXXX XXXX which should be deleted in XX/XX/XXXX. 
XXXX payments were not late My balances are incorrect for the following accounts : 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 09/17/2015 about Debt collection (Credit card) with URS Holding, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company is calling my parents, my children, my brother & past residences searching for me. I have no idea what this company wants with me. I 've tried to contact them, with out any success. If they would leave a clear vociemail, I would call them back.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Columbia Recovery Group LLC (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I advised this company that I was never notified you the original creditor of Owing this money. The account is due to be removed from my report in early 2016, but I paid the amount in full to clear it. Columbia recovery still reports to XXXX that I have NOT paid the collection. They ignored my communication to them that I was illegally never notified of owing the debt prior to being sent to collection. They continue to report as unpaid to transunion cespite being paid in full. The account is under XXXX ( XXXX ) XXXX. Please see the attached for correct address of this company

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Mortgage (Conventional fixed mortgage) with FLAGSTAR BANK, FSB (VA).
Issue: Application, originator, mortgage broker

Complaint: In XX/XX/XXXX I moved out of my home that was mortgaged with Flagstar Bank. 
XXXX Loan # XXXX XXXX I rented the home until XX/XX/XXXX when my situation dictated that I could no longer afford the home to to debt, divorce, car loans, 2nd Mortgage, etc. I tried to get Flagstar bank to refinance my home at the appraised value which was {$60000.00}. They refused to help me even though my loan amount with my 1st and 2nd was over {$100000.00}. I could not make the payments and could not rent the home to recoup what I owed per month. I also fixed up the home and tried to sell it at the lowest amount possible. Nothing worked. 
I walked away from the home due to these factors and Flagstar took it back and sold it afterwords. I am now trying to refinance my current home and can not because this is still showing up on my credit score because of the gap between what I owed them and what they were able to sell the house for. I received no help during my process of trying to keep the home at a reasonable amount due to the constant hurdles and road blocks put up by the finance department at Flagstar.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Debt collection (Medical debt) with TRINITY HOPE ASSOCIATES (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX XXXX recently reported a medical collection for {$530.00} on my credit report. Prior to this account showing up on my credit report, I did not receive a notice of my right to dispute. This is a direct violation of my rights under the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This account was erroneously re-submitted on my credit report by Midland Funding LLC. Midland Funding contacted me in 2013 regarding this account and at that time I advisedthem the account was not valid. Midland Funding LLC erroneously pursued this account by filing a civil suit against me with XXXX County Circuit Courts. 

On XXXX/XXXX/2013, I attended the hearing along with Midland Fundingattorneys, at that time I advised the presiding judge this account was not valid and I also advised him I repeatedly advised Midland Funding of the same. The judge requested Midland Funding show proof of the accounts validity. Midland funding was unable to do so at the time of the hearing so they were given a set time to validate this account before the courts. 

Concurrently on XXXX/XXXX/2013, I filed disputes with all XXXX credit bureaus disputing this debt. 

Midland Funding failed to supply proof to the courts validating this debt, so XXXX week before our next court date Midland funding dismissed the case on XXXX/XXXX/2013. Please note the case was a dismissed XXXX days after my dispute. 

Upon dismissal of the case I forwarded this information to all XXXX credit bureaus and the account was removed byall XXXX bureaus. 

After a period of about XXXX year Midland Funding attempted to pursue this same account unlawfully. They attempted to resubmit the account to all XXXX bureaus, XXXX of the XXXX bureaus denied their attempt to unlawfully place this account on my bureau and XXXX somehow did n't verify the previous information sent and placed this account back on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/19/2016 about Bank account or service (Checking account) with BB&T CORPORATION (PA).
Issue: Account opening, closing, or management

Complaint: I logged in to view my online banking and the top of my account listing it welcomed another person with their account information. 
BB & T Corporation ( Branch Bank and Trust )

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 07/27/2015 about Bank account or service (Checking account) with FIRST CITIZENS BANCSHARES, INC. (NC).
Issue: Account opening, closing, or management

Complaint: THERE IS A INQUIRE ON MY CREDIT REPORT THAT DONT BELONG TO ME AND I WROTE TO THE COMPANY AND ASKED THEM TO SEND ME PROOF THAT I MADE THIS INQUIRE AND THEY FAILED TO DO SO

Company response to consumer: Closed with explanation