milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and has XXXX accounts and XXXX hard inquiry thats not mine. The following accounts are fraudulent, unauthorized, stolen and lost : XXXX  XXXX/XXXX/XXXX, {$3.00}, XXXX XXXX DC, XXXX/XXXX/XXXX, {$380.00}, the following hard inquiry is not mine : XXXX XXXX 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 explanation
Consumer complaint received 01-03-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IN).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: we have this account for more than 1 year but try use my card and decline when talk to agent in the bank told me the bank has that right to close the account any time and dont get me any reason

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Debt collection (I do not know) with Metro Collection Service, Inc. (TN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Somehow " XXXX XXXX '' obtained my ex wife 's cell phone number ( we 've been divorced 7 years ) and has contacted her at work, asking her to have me contact her at XXXX. After a quick bit of research, it seems that many people have had the same calls/complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Consumer Loan (Installment loan) with Great American Finance Co (GA).
Issue: Managing the loan or lease

Complaint: the loan is included in my chapter  XXXX  the trustee make monthly payment and in  XXXX    XXXX   they reported late payments which is not to have a copy of the payment the trustee made and also they have made a call to my job

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have XXXX tax liens on my personal public records that should not be there. Me and my father share the same name and I know they should be on his public records and not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I HAVE NO PAST DUE AMOUNT WITH THIS COMPANY. WE MOVED OUT BC OF UNSAFE LIVING CONDITIONS AND WE WERE TOLD WE DID NOT OWE ANYTHING

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit card or prepaid card (Store credit card) with WELLS FARGO & COMPANY (WA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On XX/XX/XXXX I purchased a ring from XXXX XXXX for a total of {$7700.00}. When going over my purchase options the Jeweler informed me that they have financing for 0 % interest for 6 months to 1 year. I told them I preferred to pay cash but would have to go to the bank, the stated I might as well do the financing to help with credit. I asked if this would be a soft or hard inquiry into my credit, and told them I was planning on opening a new credit card account so this was important to me, which they replied just a soft inquiry. Upon being approved they told me how much I was approved for {$5600.00} so i paid the remaining balance of {$2100.00}. They say I will just have to keep up with monthly payments and make sure to pay it all off before the 0 % interest runs out, I was planning on just paying it all off at once. Later I come to find out what they had done is issue me a credit card that was maxed out to the {$5600.00} and that it was a hard inquiry on my credit report. Had I known this I would never have agreed to the financing options. XXXX XXXX has basically said they are sorry and will work on informing their staff to take better precautions on how they advertise the financing. Wells Fargo was unable to assist me over the phone yet.

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 03/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Several months ago, my XXXX cell phone XXXX was hacked and for two months I had charges of over {$5000.00} on my bill. Now I am a XXXX year old senior citizen who never texted, and rarely even used my phone, and my phone bill rarely exceed {$55.00} a month. After two months of back and forth with XXXX the charges were determined to a result of someone in the XXXX, area, where I have never been using several numbers on my account. I have lived in XXXX for XXXX years. When all was said and done, XXXX sent me a bill for {$110.00} which I do not owe. I have since moved on to XXXX. In addition to letters and a recent phone call from Sunrise Credit Services trying to collect this debt. I do n't need this harassment at my age and fixed income.

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 01/18/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OR).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Portfolio Recovery continues to call after cease of communication notice and is making frequent and repeated calls in a harassing manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The call is automated then someone comes on the line saying they are a debt collection company. They call everyday. This debt has been charged off.

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

Complaint: My ex spouse 's address is showing on my credit report, and I have never lived there. He is likely trying to steal my identity. He just moved there, and I have been divorced & living away from him for years. Please delete this address and any connected activity from my credit report : XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: After reviewing my credit score and report, I am looking that there some information inquiries and accts added to my report after this was deleted before XX/XX/2016. This is impacting my financial and health situation. not sure why this information is in my credit report after been deleted.

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 10-09-2015 about Debt collection (Auto) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am behind on my motorcycle payment, and understand that money is owed. I have spoken to them informing them to my situation and they continue to make 5-7 calls per day often one after another. I have no problem with daily calls as they are attempting to collect money that I owe them, however the volume of calls is straight on harassment. While I do admit that I owe them money they are violating FDCPA guidelines and it needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (TX).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I have a visa card with XXXX XXXX XXXX with {$1000.00} credit limit. I recently opened an account in Wells Fargo bank and requested credit card which was not approved due to " serious delinquency ''. I do not shop online and dont use my credit card often either. I need to know what has happened. please inform me about the details.

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 04-01-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Making/receiving payments, sending money

Complaint: This morning at XXXX CST I received an email from XXXX of my Credit Cards - XXXX Bank for XXXX Credit that XXXX payments legitimately made from a joint banking account with Bank of America were advised unauthorized. The amounts are as follows : {$97.00} $ XXXX XXXX Bank for XXXX Credit they received the dispute on XXXX XXXX, 2015 from Bank of America XXXX I have proof that the individual that is making these disputes on the Bank of America account was also an authorized user on the XXXX Bank for XXXX XXXX account. This seems to be an on-going matter with Bank of America allowing payments to be disputed and not doing a proper investigation on this matter. This is a direct violation of their fiduciary duty and they ca n't allow payments to any vendor to be removed. I was an active user on the Bank of America account until XXXX/XXXX/15 - I have proof that I was an authorized user on the account that the disputes were coming from.This is completely affecting my credit and I should n't have to pay for something that was authorized. My ex became extremely abusive hence the reason why I removed myself from the account on XXXX/XXXX/15. I do not think it is fair that they are allowing this foolishness to happen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: credit card with bank of america with account number XXXX I am a XXXX and a lot of credit is merging with my name that I have no knowledge of and this is destroying my life and my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/19/2017 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 is missing that should be on the report

Complaint: XXXX XXXX XXXX can pull your credit report to see if you owe money to other apartment complexes before they will rent to you. This lowers a persons 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 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The original creditor is  XXXX   Store Card.  The problem i have is that they are reporting incorrect information across my credit report. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act along with the corresponding local state laws. As of right now they are in violation. I am writing to challenge the reporting and compliance of  XXXX / XXXX . On the  XXXX  report it shows the chargeoff don e in   XX/XX/XXXX  , on  the  XXXX report it shows that i was in good standing with them during that time. It also has no close date on  XXXX  or  XXXX . No high balance recorded on   XXXX   or  XXXX . No visible Account number, it is completely blocked out. On Transunion, it has missing information and no payment history whatsoever.The last Activity on the account is inconsistent across all  XXXX  credit bureaus. I need this matter resolved.This is unacceptable. I have settled the debt with this creditior and feel this is highly unprofessional for them not to report the correct information. I reached out to them o n / XX/XX/XXXX to h ave the account removed due to their inconsistencies. They asked that i fax over information of my credit report. I ask they fix and validate what they have on their end or remove this account completely from my credit report. 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 07-01-2015 about Credit card () with BARCLAYS BANK DELAWARE (AZ).
Issue: Advertising and marketing

Complaint: Barclay 's Bank closed my Barclay 's Arrivals XXXX for unknown reasons. As a result of the closure, my accumulated rewards equivalent to {$140.00} was forfeited. 

I would like to note that at no point was my account past due or delinquent, and I have paid my bill on time each month, every month. 

I believe it is borderline fraduelent that Barclays advertises a Rewards program that gives 2.2 % back, but can also close an account for unknown reasons and confiscate accrued, but not redeemed rewards. 
I am requesting reimbursement in the amount of {$140.00}, for the amount of rewards that was forfeited.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I had submitted a complaint XX/XX/XXXX regarding Fed Loan Services inability to adjust my loans to a level where I could afford to pay on income based repayment after my account was direct debited for {$1200.00} vs the {$800.00} I had been paying. For a period of nearly 6 months ( XX/XX/XXXX- XX/XX/XXXX ) I was induced to put my loans into a general or hardship forbearance so that the reviewers could adjust my loans. I was told that had no choice but to be in forbearance and was not able to make any payments during the adjustment period. Each month they adjusted the loans to a total level that I could not afford. I would get conflicting emails and invoice in the mail stating what I would owe, stating that I had past due amounts, stating what I had to pay the following month. Each time I would call frantically trying to figure what was going on, only to be told I had to extend my forbearance. I am asking that the due to the Servicer 's inability to adjust my loans during a 30 day period, that any additional interest recapitalized be forgiven. I have spoken with the Servicer 's office ( XXXX XXXX XXXXXXXXXXXX, XXXX ) several times XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX when she has reviewed my file. Each time she does not understand the context of my request for relief and each time she states that she will re-review my file for the relief as she did not earlier understand my request. It has been almost 5 months since my last correspondence with the servicer and a year since my initial complaint with no summary of what is being done to close out this complaint. I would appreciate the CFPB/Ombudsman intercede on my behalf to drive a resolution and closure.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX I walked into the only Best Buy that is located in XXXX, VA. I was interested in buying a music deck for my new car, so a tall XXXX male who 's name I do not remember helped me. After he helped me, he suggested that I put my music deck purchase on their Best Buy card, because they offer 0 % interest on the card. I made sure before I took another step forward that I did my due diligence to acquire all information that pertained to the card. I asked the young man did this card require pulling up my credit score, and he replied " yes. '' I then proceeded to ask him if this would be a " soft '' inquiry/pull, or a " hard '' inquiry/pull to my credit. Without hesitation, the young man told me that it would only be a quick soft pull to my credit. Since I take my credit score very seriously, I asked him one more time to be sure, and he still replied " yes, this is only going to be a soft pull to your credit. '' After checking my credit report on XX/XX/XXXX, I noticed that ( Citibank Na., Best B ) placed a hard inquiry on my credit from XX/XX/XXXX, and the purchases I made in best buy that day showed up on XX/XX/XXXX with my XXXX XXXX XXXX credit card. I feel betrayed, because I was given false/wrongful information with the utmost confidence from an employee at Best Buy, and his confidence in what he was doing allowed me to trust him. If he was not sure of what type of pull the company would have done, then he should have gotten someone who could answer that question instead of telling me incorrect information. <P/>Best Buy Address : XXXX VA ( Store XXXX ) XXXX XXXX XXXX XXXX, VA 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 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently ordered my credit report from TransUnion and notice that there were a few inquires that I didn't recognize or authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX via XXXXTransUnion XXXX XXXX XXXX XXXX XXXX via TransUnion XXXX TransUnion XXXX XXXX XXXX XXXX   TransUnion XXXX XXXX XXXX via XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these listed above are the inquires that are unauthorized and unrecognizable. I called and spoke to a representative and he stated that there was nothing that he could do to help me. I put a fraud alert on my credit report for XXXX, XXXX, XXXX for reasons such as this. I would like to have these inquiries removed immediately.

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 01-04-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: 1 YEAR AND 3 MONTHS TO DENY MY LOAN?? This is just wrong. Something has to be done about this. How can your department allow a bank to get away with this? It was only the first step and now my loan has tripled. 

BofA delayed a decision on the first step of my mortgage loan approval for 1 year. My current assigned representative, XXXX XXXX just abandoned me after a 1 year a 3 month runaround. 

I applied to restructure my HELOC loan OVER ONE YEAR AGO. BofA waits over ONE YEAR to finalize the first step in a loan process, only to deny my restructure then fails to explain why. 
They knew of my XX/XX/2015 deadline. I supplied the final paper work a month ago after going back in forth for over 1 year. BofA waits until after XX/XX/XXXX and XX/XX/XXXX to send me a denial letter. 
For over 1 year, BofA kept requesting never ending additional information. Each and every time I supplied them this info, they allowed weeks to go by and then only requested more info. 

For the extension program they say I do not meet eligibility rules but will not explain why I did not meet them. For example ; BofA recommended I apply for a 40 year term loan. Now they have just denied because it is, either more or less then their requirements. They will not tell me which. Is it more or less? Do I have to much debt or not enough? 

They have changed my assigned manager at least 4 times. 

They provided me numbers to reach them with no extensions, disallowing me to reach them. 
I have sent them an entire tax return only to be requested another years tax return as they have taken so long to process this. 

Much information I have sent or faxed was re-requested again. 


B OF A HAS NOT MADE 1 ATTEMPT TO HELP ME WITH MY LOAN. NO ONE WILL HELP. 
Enclosed document will show BofA states " We are here to help ''. 

I should qualify for the restructure of the loan. There is no reason I should not qualify.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation