milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2016 about Credit card () with WELLS FARGO & COMPANY (OH).
Issue: Other

Complaint: I am trembling with anger over this situation. I work in the financial field, and I do not like to bash or make complaints about the services offered, but I feel that this must be done so that changes can be made. 

I am staying at a hotel, and I have a credit card that I enjoy using. I like the company, the payments are very reasonable, and I am glad to have the card. I made an extra payment on my card so that I would have that balance available to pay for my room, as I am having some repairs/upgrades completed on my home. I chose to use this card for this situation because it is a rewards card that offers points. I made the payment online, or on my mobile app -- I do n't remember -- but it states " Transactions submitted by midnight XXXX XXXX will be sent immediately and will take effect the same day. '' So, I felt confident that the credit would be available for use immediately, as I made the payment at approximately XXXX XXXX XXXX XXXX the day before. However, when the hotel tried to run my card, it was declined. I called my card company to try to find out why the credit was not available. I spoke to a rep who was very nice, and he even spoke to his supervisor, but there was nothing he could do to make the credit available, and they were also unable to increase my credit limit to accommodate my dilemma. 

This entire situation should not have occurred. If the payment is not going to post as available credit immediately, or not even by the next business day, which was today, then the information on the website should not state that it will be. In my opinion, this is a deceptive practice. I could have used a different card, or given the hotel cash to pay for my room instead of putting the money on my card. I am on a very tight budget, but even if I was n't, this is totally unacceptable. I need 100 % clear knowledge of when my payments are going to post as available credit, as I am sure everyone does. At this point, I feel duped and lied to, and now I have to come up with {$200.00} from somewhere else because of this situation. This is more than just a simple inconvenience for me ; this is an embarrassing and unnecessary situation that has caused me a bit of financial hardship.

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 02/27/2018 about Debt collection (Other debt) with EOS Holdings, Inc. (TX).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Tried to pay it off but was not getting through the agent. Wanted me to pay full amount was rude and didnt want to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: my XXXX score is XXXX according to XXXX XXXX. This score is based on no missed payments- green, recent cc useage - green and ratio of balance to limit on revolving accoungs is too high -- RED. However when I go to Credit Utilization below, my score is 27 % which is green. And when I look further it shows that anything under 30 % is green. So.... how can my key factors be both red in XXXX spot and green in another. Thus my score should be higher. 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 07/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX XXXX and XXXX have failed to comply with the FAIR REPORTING ACT by not validating, correcting, or removing inaccurate reports. Trans Union in company with the same violation has not removed those reports after proof was sent. I am attaching proof of my 100 % accurate info and per the Fair REPORTING ACT, request that those items and collectors be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Mortgage (Conventional home mortgage) with American Financial Resources, Inc. (AZ).
Issue: Trouble during payment process

Complaint: American Financial took two payments from us during transfer of mortgage to XXXX. They sent one payment to the new mortgage but not the second. We have tried numerous times to resolve this between both companies. Sending bank statements of payments, email confirmations of payments with no resolve. Numerous hrs on the phone explaining this story to several people and our money is still missing.payments made to American Financial on XX/XX/XXXX and XX/XX/XXXX. First payment finally transferred to XXXX on XX/XX/XXXX. Second payment American Financial admitted to sending back to themselves instead of sending to XXXX. They refuse to solve this matter and both companies are not communicating with each other. Our money is gone from our account and had not been applied to our account for monthly payment of mortgage. American Financial should never have taken our payment if they transferred us without proper notification.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ACADEMY MORTGAGE CORPORATION (OK).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX XXXX ( Loan Officer at XXXX XXXX ) did not get our consent to pulled the Credit. When my husband and I received a notification from our Credit Bureau on the XX/XX/XXXX. We thought our identity were stolen. We called XXXX XXXX XXXX immediately to find out what was going on. The representative from XXXX informed us that the pulled was from a Mortgage Company Named Academy. I remember XXXX XXXX, ( The Loan Officer ) mentioned to us they were moving to a different bank on XX/XX/XXXX. I called XXXX XXXX immediately and asked her why she pulled our Credit with out our consent. She then told us it was after hours for us to give her a call back in the morning. I called XXXX back the next day XX/XX/XXXX. She told me she thought I knew what she meant when she said she 's moving our file to Academy. As I was talking to her and trying to get a clear understand of why she pulled our credit without sending us any disclosures or what Academy Corp is about. She hung up on me. after 15 minutes later I received an email from her requesting us to accept E-consent. I also attached a screenshot of her email, alone with the call history and the Hard Inquiry from our CB.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Debt collection (Mortgage) with Real Time Resolutions, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: After obtaining a copy of my credit report I have found that my second mortgage is still reporting. The house was foreclosed on and the bank took ownership of the property on XXXX/XXXX/2012. The collection agency that is currently reporting on this mortgage is REAL TIME Resolutions. Attached are all the documents that I have pertaining to the said house that was foreclosed on, including the last letter I received from the collection agency. I need to make sure that this situation is resolved and the reporting is stopped to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicer, PNC Mortgage, sent me a series of letters notifying me that my flood insurance coverage was inadequate. Dating back to XX/XX/2015, I have called PNC XXXX times to straighten this issue out. I have had my agent, XXXX, arrange to send flood declaration pages at least XXXX times, ( dating back to XXXX XXXX, 2015 ) showing adequate coverage, which must be at least as much as my home owner 's coverage ( see attached documentation ). During the XXXX phone call ( XX/XX/2015 ), I was assured the problem would be taken care of and, I was promised a return call to let me know that the issue was resolved. I did n't receive a phone call, and instead on XXXX XXXX, PNC charged me {$140.00} for gap insurance that I do n't need. The only notification I received was a copy of the force-place policy in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech took down access to statements and online account access for 10 days. This is impacting my ability to refinance as I can not get my statements. I agreed to go paperless. What they did not disclose was a way to get access to my statements during the upgrade - I called and they could n't even fax them to me. If companies are to provide online statements they should keep them accessible online and not inaccessible for more than 48 hours. I want to know what the law is and am certain Ditech is not within the law. This disclosure I attached and they posted does n't tell you that consumers ca n't access copies of their mortgage statements for over 10 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have already addressed XXXX 's incompetence and illegal reporting of a a student loan account that was discharged in my Bankruptcy in 2010 and had it removed once. Now it is back XXXX up my credit again reporting a balance and lates month after month and needs to be deleted ASAP!!! Attached is a screenshot of the illegal reporting and the page from my BK clearly showing it was included and discharged.

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 07/17/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with BOEING EMPLOYEES CREDIT UNION (WA).
Issue: Struggling to pay your loan

Complaint: I called the number provided on becu website. I ask to speak to a Loan department. Spoke to a lady she asked me for my basic information social security, date of birth, and the reason for my call. I stated my hardship and explained my issues that I was 2 months behind rent and will be evicted, and the reason I can possibly fall behind on my bills on the credit cards I currently have open with becu and I am active searching for a job everyday and I do not have a vehicle due to recent denied request. I have children and been calling around to any charity programs.
After my explanation to her, I was transferred to collections departments not knowing, because he did not state this was collections I was speaking to. I thought I was transfer to Loan department hoping to tell me different options that are available to low income assistant program loans. But the collections person I spoke to did not provide available resources or option available for my current situation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2018 about Debt collection (Credit card debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY TRANSUNION CREDIT REPORT. XXXX ID THEFT REPORT # 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 07/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Debt collection (I do not know) with Financial Business and Consumer Solutions. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a phone call from a number and they asked for my fiance. When I said he was not available they hung up immediately. When I called the number back it was an automated recording that stated they were XXXX collections agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Debt collection (I do not know) with Harris & Harris, Ltd. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For the past XXXX years, we have been receiving calls from Harris and Harris, a debt collection agency out of XXXX attempting to collect a debt that is not ours. The person they are looking for is clearly not at our address and has not lived at this address for almost XXXX years ( they were a tenant in a property we own ). I have called the company and explained the issue and that the person they are looking for is not at this address, however, the calls continue ( approximately XXXX per week ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have checked my credit report and have found XXXX as a credit XXXX. I have in no way ever signed for or agreed to pay this and would like it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: National Credit Systems   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX  Last report  XXXX / XXXX /  XXXX  , negatively impacting my credit.     I requested for validity of this debt, including, signatures, valid contracts with this company and no response was received. If the debt can not be properly validated as requested to remove.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX 2014 certain person or persons unknown were granted access to the personal bank account of my deceased father XXXX XXXX through the presentation of a Small Estate Affidavit and on XXXX XXXX 2014 recieved a check in the amount of {$38000.00}. Though I am listed as the XXXX XXXX Executor on the Will and was listed as an equal heir to my siblings, I have not received any benefits from this bank account. I was told by BANK of America that I had no right to know who recieved these funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2017 about Debt collection (Credit card) with Financial Recovery Services, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: contacted by Financial Recovery Services ( XXXX ) regarding XXXX Credit Card balance of {$16000.00}, account No : XXXX dated XXXX/XXXX/XXXX. Never had or done business with XXXX. Obtained XXXX Report and there is no such account. However, receiving threatening calls and letter since 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 04/21/2016 about Consumer Loan (Vehicle lease) with U.S. BANCORP (CA).
Issue: Managing the loan or lease

Complaint: I have just completed a lease on a XXXX Chevy Volt, for which I paid XXXX per month and had also purchased the Excess Wear and Tear Insurance. I had also extended the lease for a few months. US Bank is the holder of the lease. On XXXX XXXX, XXXX, I returned the car to XXXX XXXX. On XXXX XXXX, US Bank took the monthly payment on the car. When I called, a representative said that the money would be returned within two weeks by check. This never happened. Instead on XXXX XXXX, I received a bill for termination fee ( XXXX ) and excess wear and tear ( XXXX ) and sales taxes ( XXXX ), totalling XXXX, with the statement that the car was returned on XXXX XXXX. I called and said that I had 'ding ' insurance and that the car was returned earlier. This representative said that the monthly amount would be deducted in a new bill, but that the XXXX was for tires, which are not covered. Besides being very upset at a bill of XXXX for tires, I asked to see the damage report. The representative had just lied, presumably to get me to pay a unnecessary bill. A new bill arrived for XXXX ( XXXX - XXXX ). After the report arrived, I called again, and the next representative said that indeed the XXXX would be deducted, but not the tax amount and that a corrected bill would be for XXXX. Instead, a new bill arrived identical with the second bill. I would like to see a correct bill. Furthermore, as a result of the mendacity of representatives of US Bank, I hardly believe their representatives, when they say I should pay a sales tax on repairs provided by an insurance, especially as I have no idea who does the repairs or where. It seems that their phone representatives just try, honestly or not, to get people to pay any amount they can pull out of them.

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 02-09-2017 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Application, originator, mortgage broker

Complaint: Lender informed me that I had to pay a penalty ( of about {$400.00} ) for extending the closing date. It is of no fault of mine that the closing date must be extended. The extension of the closing date is due to lender. Lender was not able to order the final inspection until a notice was received by the seller that it had been complete. Seller did not receive the amendment for repairs until about a month after the initial inspection. That is where the main delay happened.

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 12-01-2015 about Consumer Loan (Installment loan) with LendingPoint Holdings LLC (GA).
Issue: Taking out the loan or lease

Complaint: I applied for a personal loan through LendingPoint LLC. I was notified via email and phone by their employees that I was approved for the loan and I was instructed to send in a paystub, bank statement, voided check for direct deposit, and a copy of my ID. After I submitted these items I received an automated email shortly after stating that they would not be able to grant me the loan that they stated that I was already approved for. 

I called the employee whom I was working with directly and they gave what may be a valid point about some negative items in my bank statement. But I was told that I was approved for the loan, not that I had to submit further paperwork to be approved. 

This to me is deceptive and misleading, and I was caught by surprise. I had already begun to make plans to use the funds that I was told that I was approved for, only to be told by them that they would n't grant me the loan. Maybe they tell customers that they are approved, when really they are n't yet, so that the customer will stop shopping for loans and go through them for the loan. Either was I feel like I was mislead, and I gave this company all of my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I bought my credit report on XX/XX/XXXX from TransUnion. There were numerous errors. One debt, the same debt, was reported more than 7 times on my credit report.
I asked for TransUnion ( TU ) to correct the errors and validate debts that were not mine. The letter was sent on XX/XX/XXXX via Certified Mail. I sent the credit report, proof that the debt was singular and not duplicitous, along with my i.d . and a pay stub for id.
TU failed to contact me within 5 days to acknowledge my request.
TU then sent me letters with the wrong name, with a statement that I needed to send additional information to request a free credit report. I NEVER REQUESTED A FREE REPORT SINCE I BOUGHT ONE FROM THEIR WEBSITE!
I sent another letter to TU, via Certified Mail, informing them that I demanded that they delete the duplicate debts, validate those debts that were not mine, and fix the errors listed in my credit report.
They responded to me with the wrong name and stated that TU did n't recognize my credit report or could n't find it, that I need to submit a better form of id ... to get my FREE CREDIT REPORT!
They did not validate my debt, delete duplicitous debts, or fix errors listed in my credit report within 30 days. TU continued to report the debt, failed to give notice the debt was in dispute, and failed to take any actions at all.
All letters have been electronically sent via Certified Mail, with proof, and are still in electronic form.

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