milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My credit reports from Transunion XXXX XXXX contain a report for a collection for an electric bill that is not mine. The amount is approximately XXXX dollars. I have disputed the address where the company says i supposedly live and obtained this electric bill. The address i believe has been removed but the negative collection has not been which is associated with this address. This light bill is not nor has it ever been mine. I contacted the company directly and the name on the account is misspelled and I never signed or authorized any account in my name with XXXX XXXX XXXX. I 'd like to get this account removed as it is negatively affecting my credit score.

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 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient is steered me to higher-cost repayment plans several times without notifying me ... I have been paying alot and hardly made a dent ... something is not right ...

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (GA).
Issue: Problems when you are unable to pay

Complaint: I never had an account with General Motors. I sent a direct dispute asking them to provide me with documentation that I had an account with them, but they failed to provide me with any paperwork. They just sent a one-page letter stating that my account is reporting correctly to the XXXX, XXXX, XXXX agencies. I know it 's not reporting correctly because I never had an account with them.

Company response to consumer: Closed
Consumer complaint received 06/17/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan mod in XXXX of this year. I was not notified of any missing documentation. i assumed that the m\loan mod was going forward. I received ads from people wanting to buy my house as a foreclosure on XXXX XXXX. Called the servicer and my house is up for sale in XXXX XXXX. No notice of anything.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX and XXXX were included in my Chapter XXXX I was never late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Bank account or service (Checking account) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I am a customer at Union Bank California. Was denied services and a check endorsed to me was refused. XXXX the teller had no banking information on me. Did not swipe my card nor ask for ID. He immediately took the check to his manager XXXX who also refused my request to deposit this check endorsed to me. I was DISCRIMINATED against based on my appearance and not account information. After leaving I contacted the branch manager XXXX who then also informed me that his teller did the right thing by denying my check. XXXX stated that if he had taken the check from me, that doing this would put him at risk insinuating the check may be bad, or fraud may be involved. I was not only insulted but also humiliated.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Customer service / Customer relations

Complaint: Complaint XXXX settled all of my credit cards with a lawful financial instrument under XXXXThere are no rules regarding how debts are to be settled as long as lawful. Banks are misreporting : Barclays, XXXX, XXXX Bank, XXXX and XXXX XXXX. Credit report shows a charge off but they never returned the instrument and under XXXX XXXX states that even if the settlement is declined or rejected the debt is settled. Notwithstanding that all these banks and credit reporting agencies received the complaint, they have been trying to duck and dive around the law. I need help getting this cleared off my credit reportI am an insurance agent and companies with whom I contract are denying my applications and it is affecting my income

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Porfolio Recovery Associates is in accurately reporting two accounts on my credit profiles that the have not verified belongs to me. I have sent multiple correspondence directly to Portfolio Recovery Associates, Credit Bureaus, and by XXXX XXXX asking that Portfolio Recovery Ass. verify that the are legally able to collect said debt. In each request I ask for Portfolio to verify the account belongs to me by sending identifiable information that shows that the debt is legally mine. Portfolio Recovery caused financial distress in my life and continues to defame my name. There unwillingness to provide we original documentation showing where the debt is legally mine violates FCRA laws and is causing harm to my consumer rating. Reps of there 's were rude on the phone, have contacted members of my family, and ruing my financial reputation. Because of their unverifiable, in accurate, and misleading reporting, my credit rating has severely being damaged

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2017 about Debt collection (Medical) with R.M. Galicia, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Reference case # XXXX I dispute response from Progressive. This is the first time I have seen their documents. 

1. Dispute of the nature of amount owed : On XX/XX/XXXX, XXXX disputed the alleged debt within the 30-day period. When we received their letter of XX/XX/XXXX, she disputed both the validity and the nature of the amount owed. This is stated in the last sentence of her first paragraph ( attached letter labeled " CFPB-XXXX '' ). 
I did not receive a reply nor did I receive any documentation I asked in my letter. This is the first time we have seen their attachments ( you can see the footer date is XX/XX/XXXX ). 
2. Dispute within 30 days : Within the requisite 30 days, their claim was disputed. 
3. XXXX not a signatory : As you can see in the attached file labeled " CFPB-XXXX '' I did not sign any documents. None of these bear my signature. 

Original statement : On XX/XX/XXXX, I disputed the alleged debt within the 30-day period. When I received their letter on XX/XX/XXXX, I asked for detailed documentation in the attached letter labeled " CFPB-XXXX ''. 

I did not receive a reply nor did I receive any documentation I asked in my letter. Instead, they blatantly violated FDCPA, FCRA and despite my admonition, falsely reported against both of our credit files with the XXXX bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been struggling to make payments so last year I tried filing for repayment plan based on income which was n't successful. I have been making the monthly payments now for a year but they havent made a dent if anything my loans are increasing this has been going on now for 8 years

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Credit card () with WELLS FARGO & COMPANY (VA).
Issue: Other

Complaint: For its XXXX XXXX, Wells Fargo currently charges 27.99 % ( v ). I understand that credit card interest is in the hands of the card companies, and that they may charge whatever they like! 
There is no cap on interest charged by credit cards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I submitted a dispute with the credit bureaus towards the end of XX/XX/XXXX regarding a collection account that showed up on my credit profile at the beginning of XX/XX/XXXX ( reporting company is XXXX XXXX XXXX ). This account is not my account, I have no knowledge of this payday loan and have not been provided any information from the reporting company proving that it is my debt. So I disputed this fraudulent account with the credit bureaus and on XX/XX/XXXX and XX/XX/XXXXI received the dispute results stating that the account meets FCRA requirements. The credit bureaus told me that they had sent the information I provided to the reporting company and that the reporting company conducted their own investigation saying it is my debt. AGAIN, I have received not one document showing that I owe this debt, even after verifying my address, no one has mailed any paperwork to me. On XX/XX/XXXX, I submitted a complaint with the FTC, CFPB and the NC State Attorney General reporting XXXX XXXX XXXX for continuing to report this fraudulent account to the credit bureaus. Those complaints did not resolve the issue. On XX/XX/XXXX, I spoke with XXXX XXXX from XX/XX/XXXX and she stated that on XX/XX/XXXX, they had closed the account as disputed and had transmitted this information that same day. She gave me her number and XXXX ( XXXX XXXX XXXX ) and her supervisor 's name ( XXXX XXXX ) and told me to call if I needed any other info. I spoke with a rep from XXXX that same day ( XX/XX/XXXX) and they had not received anything from XXXX XXXX. I tried to call back and speak with XXXX XXXX but she and her supervisor were " unavailable '' and would call me back. They never called back. Today, XX/XX/XXXX, I called XXXX to see if the account had been removed. Not only was it still on my report, but XXXX XXXX had reported my account as delinquent onXX/XX/XXXX, TWO DAYS AFTER MY CONVERSATION WITH XXXX XXXX SAYING THE ACCOUNT WAS NOW CLOSED. I do n't understand how a closed account can be reported as a delinquent open collection account if it was supposedly closed on XX/XX/XXXX. I need this resolved immediately! It is damaging my credit and it does not belong to me. And as stated before, I have not received any documentation proving that this account belongs to me, even after I requested paperwork be mailed to my home address. This account is unfairly being reported!

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 11-03-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: My business checking account was recently closed without warnings even though I had funds in the account and nearly zero activities on the account. I 've been with Bank of America for the past 3~4 years and suddenly they do this, it 's very strange. They are holding my available funds of {$3000.00} hostage as interest-free loan.

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 06-02-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NC).
Issue: Account opening, closing, or management

Complaint: In XXXX 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX AAdvantage miles in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account for at least 2 consecutive months, and making at least {$1000.00} in total debit card purchases. 

After enrolling with the promotion code, I contacted Citi to confirm that they had my XXXX XXXX AAdvantage number ( XXXX ) and I also received confirmation that the XXXX bonus XXXX XXXX AAdvantage miles offer was successfully attached to my account. 

During XXXX of 2016, I confirmed with Citi that I had successfully fulfilled all of the terms of the offer and I was told by Citi to expect my bonus miles on or before XXXX XXXX, 2016. 

On XXXX XXXX, 2016, I did not receive my bonus points as promised. 

Citi is now stating that they require the original bonus insert, which would have been sent out 6-8 months ago. It was explained to me that the original insert is required to prove I qualified for this offer, despite numerous interactions with representatives who assured me I have qualified and met all requirements to receive my bonus. I disposed of this mailer after opening my account, since Citi customer service confirmed to me that I was enrolled in the offer Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 

Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Made numerous complaints to Trans Union concerning the XXXX credit item on my credit report. Informed Trans Union that the information from XXXX is erroneous. Just recieved a final report today and the results are quite confusing. For example, XXXX recieved the vehicle in XXXX XXXX and list that my payment hx was " OK '' from XXXX and then it goes up to 60 days etc. It also lists the last payment made on XXXX/XXXX/XXXX of {$700.00} ( impossible ) I also sent to them the bill sent by the company in the amount of XXXX on 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 non-monetary relief
Consumer complaint received 03/23/2017 about Debt collection (Mortgage) with SN SERVICING CORPORATION (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/2016, I called my mortgage company to make a payment of {$490.00}. XXXX, the lady I talked to, told me that I normally pay on line, after that, she hung up on me. I told my husband I tried to make the house payment, the lady hung up on me, I do n't if the payment was made or not ; There were no thank you, we will process your payment, it will be so may days or what. My husband and I decided to pay the bill on line. 

A few days later we found that {$490.00} was debited from my/ husband 's account ; {$500.00} was also. I called XXXX ASAP asking why this company took {$500.00} without my permission & requested REFUND! of {$500.00}. XXXX tried to talk me into letting them/company keep the {$500.00} payment because XXXX was coming and I was gon na have to make another payment anyway. I told XXXX why would I want to make two house payments and of a higher amount in which I tried to make a payment of {$490.00} with you from the beginning. After a few harsh words, she told me to go to my bank, get statement proving they took the money in question & SEND FAX ; I did as requested of me and {$500.00} was credited back to my/ husband 's account. 

The next month 's house payment bill for XX/XX/2016, had a charge of {$25.00} for ( NSF ) NON-SUFFICIENT- FUNDS I called XXXX back asking why the charge of {$25.00} for ( NSF ) in which the money was there when you took it in the first place without me/ my /husband 's consent ; that I should not have to pay {$25.00} for something you all did wrong, Then, I asked XXXX to let me talk to someone in a higher position than her. I talked to XXXX supervisor, explained the situation at hand, requested to hear the recorded tape of quality assurance to prove that, # 1, I did not give you/your company permission to go into my/ husband 's bank account to get {$500.00} and now you want to charge me for the funds not being there. 

She said she will get the tape from ( IT ) Information Technology and she will call me back. I had to call them back ( 2 wk ). Then I was told that my husband gave permission in which he did not because he was reclining in his chair in the living room as he always does. We both remember all of this like it twas yesterday. I always take extensive notes when I pay bills and just about everything I do.The supervisor told me that I can not hear the recording.She left me with the impression that they can do and tell me anything, Just pay the {$25.00} ( NSF ) and be through with it is the impression XXXX leaves me. TODAY, the amount of {$25.00} ( NSF ) is still on my bill. 

This whole complaint is about my mortgage company debiting from my/husband 's bank account without permission, wanting to charge us for their paper work for them having to return our funds back to us. They will not let me hear the quality assurance tape and telling me we gave permission to go into our bank account in which we did not. This is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Credit reporting () with ProCollect, Inc (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Apartment Complex termination of lease. I had to move out due to a job offer in a different state. I have a signed Lease Contract Addendum stating that I will not get charge early termination fees or other fees and that I agree to pay {$2100.00} at a set payment. However, the apartment complex charged me early termination fees and other fees that apply and now I have a bill for {$6600.00} dollars which was sent to a collection agency back in 2009. I 've been trying to get the collection company to call me so they can correct the amount trying to be collected, I have called the apartment complex and they said they no longer work with that collection company and that the manager that was working there at the time is no longer there. They pulled the account and they said I was getting charged fees for early termination and others, however it is no longer their account and I need to deal with the collection company. They are hurting my credit report and I can not buy a house because I can not settle the account with the proper amount and start payments. 

They are reporting {$6600.00} Correct amount {$2100.00} I have a document stating that with signatures.

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 08/24/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax has n't updated my credit report and is reporting over XXXX unauthorized inquiries that is damaging my credit score. 
Also, Equifax is not reporting correctly my Monthly VA Mortgage of {$1700.00} payments since my VA Loan was modified on XXXX XXXX. 
I respectfully do n't want to display my Bankruptcy chapter XXXX to the public or potential creditors. I am on XXXX and Retired. 
I should be accommendated according to Department of Justice XXXX XXXX Act of Congress of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX and XXXX have both removed the judgments from my credit report due to inaccurate reporting. I am asking that Experian do the same, as the judgments were never reported as satisfied under XXXX v. Equifax Information Services, LLC Civil Action No. XXXX and XXXX XXXX XXXX v. XXXX XXXX XXXX , Case No. XXXX, U.S. District Court, XXXX District of Virginia. Both credit reporting agencies have removed the judgments for reporting them inaccurately.

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 12/29/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NV).
Issue: Managing the loan or lease

Complaint: My wife and I have had an auto loan with ALLY Financial for almost 3 years. I pay this loan payment of {$1100.00} through XXXX Bill Pay. One time in the past I sent an extra {$1000.00} and ALLY applied it to future payments instead of the principal. When I called them about this they told me I had to send in the payment stub or call them to have to payment applied to the principal amount owed. In XX/XX/XXXX I sent the payment stub with a check for {$3100.00} and indicated on the payment stub and the check to apply {$2000.00} to the principal. I just received my next bill and the due date is XX/XX/XXXX in the amount of {$270.00}. I called them and was told that it was their policy to apply any extra money sent to future payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with QUICKEN LOANS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: Quicken L oans sent me offers for a refinance loan product after I submitted promotional opt-out information.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (CO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This debt is a bounced check with XXXX XXXX XXXX. It is seven years old and I am wanting to know the statute of limitations for them to sell and ask for this debt of {$300.00} to be collected. Is it too old for me to respond to, did they sell it to a third party that is trying to ask for payment when it should be charged off permanently? 
What happens since my purse, social security card, birth certificate and passport and drivers license was stolen in 2014? How do I prevent myself from being stocked financially by a person knowing my personal information

Company response to consumer: Closed with non-monetary relief