milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-03-2016 about Consumer Loan (Personal line of credit) with TIDEWATER FINANCE COMPANY, INC. (TX).
Issue: Managing the line of credit

Complaint: I disputed tidewater finance with the credit bureaus as well as I filed a previous complaint against them with the consumer finance protection bureau, the results of investigation I have attached for review. My previous complaint was due to inaccurate credit reporting and water finance reporting different balances and past due amounts monthly to the credit bureau. The response that I received from XXXX and XXXX both for complaints on XXXX/XXXX/15 both reflect that they were verified to be accurate see attached for details and below are the balance discrepancies of that investigation. 
XXXX XXXX balance XXXX past due XXXX XXXX balance XXXX past due Once again I have found tidewater to be in violation and have attached documentation for you t review that this account is reflecting open and that is impossible because it is charged off. This account has also failed to report a date of last activity on XXXX credit bureau and this is another manor violation and a continued discrepancy on their part. It is the furnishers duty to provide accurate details pertaining to a consumers report and failure to report the last activity date effects who long a derogatory item is reported. Tide water finance repeatedly provides false information on my credit report that is affecting the integrity of my credit and score.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: MCM and I agreed to settle a debt by my paying XXXX installments of {$130.00} each. I made the first payment on XXXX/XXXX/15. MCM then sent me a statement dated XXXX/XXXX/15 that reported no application of my payment. The balance remained the same. I then had several phone calls with MCM to find out what happened to my {$130.00}. I was told that there was no record of said payment. I was told that a a manager would call me, but never received such call. I was also connected to a phone system that hung up on me. 
MCM last contacted me via a statement that was sent to an address at which no one in my family has ever resided. The statement is dated XXXX/XXXX/15 and contains a totally false account balance. However, it did disclose what happened to my {$130.00}. The XXXX/XXXX/15 balance is precisely {$130.00} greater than the XXXX/XXXX/15 statement balance. Incredibly, MCM increased the balance by the payment I made!

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Bank of America started charging me monthly fees for a money market savings which used to be called keep the chang savings. Bank would transfer the change from checking as a savings method. They change the account set up to this type of account and then requiring their customers to keep a minimal balance. I called to get the fees waived for the last two months when they started charging but bank wouldnt waive it. I closed the account since I have other bank accounts with the bank and dont want to incur fees. I had this account for a very long time and Ive been with bank for many years. They could of waive the fees as a courtesy since Im closing the account and they wont have to maintain this account anymore. Total fees {$24.00} for 2 months since they started. They couldve just transfer the balance to my remaining accounts and notify me they will be closing account instead of charging me maintenance fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/13/2016 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (VA).
Issue: Other transaction issues

Complaint: Back on XX/XX/XXXX, I wired some money to my cousins bank account using western union, when my cousin went to the bank on numerous occasion 's to get the money, she was notified by the bank that the money was not there, I contacted western union about this and had an investigation done. since then, the money has still not been picked up by my cousin and the bank confirms that the funds are in the account, but they keep telling my cousin that the money is not there. Her account is currently closed and the bank refuses to furnish western union with the proper documentation needed to refund my money. it has been over 30 days with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Debt collection (I do not know) with Advanced Collection Bureau, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I recently checked my credit report on XX/XX/XXXXand saw a collection account on my credit that I never had. The collection is from Advance Collection Bureau for  the amount of XXXX. I sent out a certified letter to the company requesting documents proving this was my account such as anything I have sign with them along with a copy of my social and driver license to prove to me that I have in fact had this account. The letter was mailed out via USPS CERTIFIED MAIL on XX/XX/ and it was received and signed for on XX/XX/XXXX In the letter I asked the company to provide me with the requested information within 30 days but they have yet to do so. I have attached all my supporting documents to this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have written to the  XXXX  credit reporting agencies also  XXXX    XXXX    about having this account removed. It has not been verified with the first round of disputes. All I get back is a generic response that it is valid with no verifiable letters. My credit reports have this listed as charge offs and it needs to be removed from my account. My second round of disputes went out and I still have not received anything from them

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Incorrect information on your report

Complaint: I received XXXX 's response that Bank Of America did not remove it. They have it listed as though the two mortgages were in my name and my brother 's. This is false! Now they are adding me on a mortgage that I never signed for. I was not even in the country when this took place, nor did my brother have POA. The two mortgages are under XXXX XXXX XXXX. I have nothing to do with 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 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX bank added a inquiry on my account for XXXX XXXX did not authorize this. I do n't understand how I could have a fraud alert on my account and keep receiving inquiries from this bank

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX  XXXX XXXX XXXX XXXX  VA XXXX   XXXX  dob XX/XX/XXXXBy law all inquires over

two years old must be removed my credit report. Transunion will not removed the following inquired from my credit report that are over two ye
ars old.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX  ) XXXX XXXX XXXX I ndividual Requested On : XX/XX/XXXX,  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX I ndividual Requested On : XX/XX/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 02/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had rental insurance with this company. I called and cancelled insurance because i bought a home. 
Upon reviewing my credit report, I came across information from this company claiming I owe monies for rental insurance for I place that I no longer lived in.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Debt collection (I do not know) with Collection Information Bureau, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Doctors Business Bureau to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: In XX/XX/XXXX we received a notice from Navient that my wife 's student loans were past due. I am a cosigner on XXXX of XXXX loans. The loans were taken XX/XX/XXXX-XX/XX/XXXX. My wife has been in school half time since then, but has switched schools a couple of times and is still in school at XXXX XXXX XXXX University. We requested the promissory note and it clearly states that as long as she is I school at least half time, they will put the loans into forbearance. We have pointed this out several times to their collections and Ombudsman ( who is in their collections department ) and they can only state they have a policy that all private student loans are to go into repayment after 48 months. Nobody looked at the agreement, not even the Ombudsman who told us he was instructed by his boss to tell people they just have to pay, no matter the circumstances or agreement, to get those people to pay. We requested their Customer Representative investigate, received a voicemail a month ago that they would, but have heard nothing since. We have been harassed by phone calls/emails/letters and Navient has put negative entries on our credit reports preventing us from buying a house. I requested multiple times the written 48-month policy and was told nothing is written. I 've also sent them a certified letter requesting documentation for which they have not responded. I sent a certified letter to forbid them from calling me as they were interfering with my work. The person who last called me read the promissory note I uploaded to their site and could find nothing supporting they could force repayment. He still stated they had told us numerous times we had to repay, so we needed to just pay. We have no intention to not repay the loan, but as per the promissory note we both agreed to, not be an undocumented policy that is in direct conflict with the note.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NY).
Issue: Fraud or scam

Complaint: Wanted to trade money for an online game but the other persons did n't hold up thier end of the bargain and took my money

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Credit card () with U.S. BANCORP (OH).
Issue: Billing disputes

Complaint: I previously filed a complaint with the CFPB and am extremely disappointed in US Banks response! It seems as though they are not reading my complaints at all ( or maybe they are in cahoots with the fraudulent merchant ). My complaint was NOT about an error on my bill! I was scammed by a company and they did n't even address the issue. What is the point of having a credit card if the issuing bank wo n't even investigate my concerns?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Mortgage (Conventional home mortgage) with ALTERRA GROUP, LLC (GA).
Issue: Closing on a mortgage

Complaint: my XXXX XXXX XXXX and XXXX tried to buy a home out in XXXX, GA with loan XXXX XXXX XXXX from ALTERRA HOME LOANS. we had the closing date to the new house XX/XX/XXXXand XX/XX/XXXX we had XXXX closing days and neither happened. my XXXX XXXX XXXX and XXXX did n't attend work that day like the previous day they had taken off due to the process. the closing day came and we did n't close due to XXXX 's XXXX. my husband and I had sold our mobile home and had to be out the house with XXXX our children ages XXXX and XXXX we had rented a XXXX to move our things at the end of it all we did n't get the house, we ad to put everything in a storage unit which cost {$180.00} per month, we were told that in a week everything would be solved. she once again lied only now blaming it on the program XXXX XXXX saying it was taking longer then usual, next her excuses where the underwriter needed more time or was asking for more proof, that the loan was n't approved, then she blamed it on the paperwork saying it was n't complete, the agent that was working with her that at first was our agent lost our original copies of our taxes his name is XXXX XXXX, he would send us to houses and give us codes to it, we only saw about XXXX houses. we decided to consult with another agent XXXX XXXX she said that we would get in trouble if we did that. we did n't speak to XXXX anymore and XXXX became our agent she is very professional and helped us out a lot. as a mentioned previously we had sold our mobile home we ended up living in a hotel for almost XXXX weeks with our children. my mother in law and husband missed days of work due to XXXX fault they lost time and money. we would try to call XXXX and shee would n't answer because we needed answers she would reply to us hours after or days later she would say everything was fine everything was under control which it was n't. we got tired of waiting for her and we procceded to speak to her supervisor from her branch he said that the problem would be fixed in XXXX weeks then it went up to XXXX weeks, and that we could go to a hotel in the mean time that they would refund the money back to us, they did n't do it then a week later the supervisor called me saying that the loan was not approved at all that they could n't do anything about it and that they would not refund us the money for the hotel. As you can see we ended up losing a lot of money and time and our children XXXX with us as well. alterra is XXXX of the XXXX loan company ever. I do not recommend them and neither do I recommend XXXX XXXX. 
THE HOUSE INSPECTION WAS {$350.00}, ERNEST MONEY {$500.00}, APPRAISAL {$500.00} UTILITY BILL {$350.00} ( light ), missed days of work ( mother in law ) {$700.00}, missed days of work ( husband ) {$700.00}, storage unit {$720.00} storage unit a month, hotel stay {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Payday loan debt) with TOWER LOAN OF MISSISSIPPI, INC. (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My loans have been consolidated with a consolidation company and this company refuses to respond to the consolidation people. I tried to explain to them that I was struggling financially so i entrusted a company to pay my bills for me so that I can at least have money for the month, but they refuse to listen to me. They call my references daily, my job daily, my home daily and they have been putting letters in my mailbox on my property and on  XXXX   XXXX ,    2017 whic h is tonight, I heard someone at my door like they were trying to break in and it startled me because I live alone, and when I went to the door they were backing out of my driveway and they put a letter in my door after  XXXX . Ive asked them to stay off of my property but they refuse. They are scaring me coming to my house and I want this to stop. If they want their money they should work with my consolidation company and stop harassing me. This has gone too far.

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 06/18/2015 about Debt collection (Medical) with Valarity, LLC (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XX/XX/XXXX XXXX XXXX, XXXX As a 100 % rated XXXX veteran I qualify for XXXX medical care at a non-VA facility under CFR 38 1752. XXXX Care coordinator XXXX XXXX contacted the XXXX XXXX VA medical center and received both verbal and written authorization for my care as a VA patient and not a private citizen. Such authorization automatically denotes the VA medical center as the billing entity, not the patient. 

Since XX/XX/XXXX I have repeatedly written both the VA and the multiple agencies of the XXXX XXXX XXXX in an attempt to insure that the costs of this hospitalization is paid. To date, I continue to receive collection notices, to which I immediately respond. 

Today ( XX/XX/XXXX XXXX I was denied credit because a collection agency XXXX had reported to XXXX Credit Bureau XXXX XXXX XXXX items of collection. This agency is unknown to me and in no manner have ever communicated with me, either in writing or by tele-communications. I was never afforded the opportunity to dispute the items they purchased for collection which I deem to be in direct violation of FDCRA and malicious in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Trident Asset Management, L.L.C. (PA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I am being billed from XXXX XXXX XXXX in XXXX, NYfor medical whom I am currently enrolled in XXXX XXXX XXXX XXXX 3 accounts open on XX/XX/XXXX for {$530.00}. Current billing agency is XXXX XXXX. Also I am a victim of fradulent activities for a account bill of XXXX for {$180.00} opened on XX/XX/XXXX current billing agency Trident Asset management.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (AZ).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I was trying to open the Citi XXXX checking account for the last 10 days. 
XXXX XXXX XXXX. Completed online application, went thru verification process, setup the initial deposit money and everything done successfully. 

Citi has a usual habit or pattern of making simple things complex. Moreover Citi has grown so big and expanded into so many geographies that they ca n't manage very simple stuff also. Just because they are issuing me the check book and in the name of customer security - they asked me to send the signature card. Which i send it successfully using the online fax last week. But once they are asking me to do the same. This is ridiculously waste of time, resources and money. 

When i called upon the phone # in the email : XXXX. It has the XXXX based system which expects that customer has their account number ready. As my account is not open till now - how i can provide my account number? They have alternative way of verifying the customer like last XXXX of XXXX but that option is also not working. 

For my spouse XXXX XXXX - similar kind of stuff happened and finally she gave up.

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 02/21/2018 about Debt collection (Other debt) with Ad Astra Recovery Services Inc (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Unknown agency as I have never done business with XXXX XXXX and do not owe them. Please help I have disputed with no validation

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Problems caused by my funds being low

Complaint: I originally opened up a checking and savings account with Wells Fargo. The in approximately XXXX XXXX, I was notified by Wells Fargo through email that they were closing the savings account and adding another or secondary checking account. I did n't really understand the reason why ( maybe to allow for overnight sweeps/loans ) but I let the action occur. Then I transferred money into the secondary account as a lay away fund for a home improvement since the account was there. I gradually moved the money back into the primary checking account and was going to transfer all money back around XXXX/XXXX/XXXX when I noticed the account had less money than I noticed before back in XXXX XXXX. 
Wells Fargo deducted XXXX {$10.00} fees for not maintaining a certain balance in the checking account. 
My opinion is that this second checking account was added to generate just these kind of fess as XXXX checking accounts I do n't need as a consumer. 
Attached is a Excel spreadsheet for the time period of XXXX/XXXX/XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief