milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I submitted a dispute with court documentation about a collection agency on my report called XXXX XXXX XXXX over 30 days ago, and I have not received a response from all 3 credit bureau 's.

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 05-02-2016 about Debt collection (Medical) with Capital Accounts, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have some adverse information on my credit report from a dentist office that did work for me and my insurance company and I paid what was owed back in XXXX. I was just made aware of the adverse info on the report on XXXX XXXX, XXXX and immediately called the company Capital Accounts ( collection agency ) to dispute, spoke with supervisor, XXXX and started the dispute process. On XXXX XXXX, XXXX I called to follow up and XXXX said the dispute had been filed a couple of weeks ago and they were waiting for the dentist office to respond and he could n't help me further, I needed to wait for XXXX to call me back in 2 hours to answer any other questions. XXXX never called me back. I called back 24 hours later and XXXX said this has been going on since XXXX I do n't need to discuss anything with you and immediately hung up on me. I called back an hour later and was told by XXXX that I needed to speak with XXXX and he 'd call me back, still have n't heard from XXXX. I called today, XXXX XXXX, XXXX and spoke with XXXX again and he said if XXXX did n't call me back then he does n't know what to tell me. I immediately ended the call because this does not seem legit. In addition, I sent a letter overnight to the address I received from XXXX on XXXX XXXX, XXXX asking to resolve this matter, address P.O. XXXX XXXX XXXX, TN XXXX. Please help me resolve this matter so I can move on. 
Thank you, XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Settlement process and costs

Complaint: I GOT A RECAST AGREEMENT FROM MY LENDER, AND I NOTARIZED AND RETURNED THE CONTRACT AND THUS FAR THE LENDER HAS YET TO ENFORCE THE THE AGREEMENT

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Falsely reporting to XXXX, and XXXX debt opened XXXX XXXX, 2014. This is not accurate. Please provide copy of written agreement that created this alleged original requirement to pay. I demand this debt collector stop all debt collection and stop falsely reporting to credit bureaus.

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 04/14/2016 about Bank account or service (Other bank product/service) with DISCOVER BANK (NY).
Issue: Making/receiving payments, sending money

Complaint: I AM SUBMITTING A COMPLAINT ABOUT DISCOVER BANK ONLINE. 
THEY DO NOT REQUEST ANY FORM OF ID TO OPEN A BANK ACCOUNT WITH WITH THEM AND SOMEONE FRAUDULANTLY OPENED A BANK IN MY NAME AND STARTING WRITING OUT FRAUDULANT CHECKS AND BOUNCING THEM. THEY SHOULD REQUIRE A LICENSE AND A UTILITY B BILL BEFORE OPENING ANY ACCOUNTS AND THIS WOULD NOT HAVE HAPPENED. THEY EVEN HAD THE WRONG MIDDLE INITIAL

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Experian Has refused to send me documentation used to " verify/validate '' the debt that I have several times I have requested. Experian on numerous occasions sends me computer generated responses and does not look into the full extent of my dispute reasoning. Experian says taht I need to provide additional relevant information and information that was not presented when previously disputed. Well if Experian would actaully read the disputes and notice that I am asking for documentation and information that was used in the alleged " verification process/validation process ''. If they would answer that response than my letters would stop but since they have not answered them than I have every right to dispute and send letters. Experian has an obligation to fulfill the requests that the consumer asks for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (AZ).
Issue: Making/receiving payments, sending money

Complaint: I am a Private Banker the Promissory Notes presented to Wells Fargo are my personal Banker 's Notes which are seen as cash according to 31 U.S.C. 5103 and 18 U.S.C. 8 they are legal Negotiable Instruments. UCC 4-302 makes Wells Fargo liable to me. 
Because Wells Fargo did not honor my promissory notes created to payoff peoples property. 
I DEMAND Wells Fargo send me cash-able checks equal to my Bankers Notes which Wells Fargo has in it 's possession. Bank policy does n't out rank Uniform Commercial Code, United States Code and operation the way the Federal Reserve XXXX clearly states how every bank in the United States does. 

When I was told the promissory notes were worthless I did a test. I created a promissory note wrote my contact info on it, then sent it to to U.S. Treasury via the IRS. I also included a letter requesting to be contacted if what I was doing was against the law. I was never contacted. 
This complaint was created because CFPB needed more info after they received my complaint about promissory note dishonor from the WhiteHouse.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: TD Bank reported me to XXXX on a " erroneous checking account that I have no knowledge of opening ''. I did have XXXX checking account not XXXX with them. The one they are reporting abused is causing issues with me trying to open a checking account at another bank. I tried in good will to get resolved and they refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/25/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I was charged {$70.00} in fees but my account never showed overdraft. I have a screenshot of the money in the account. They used trickery accounting.

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 11/17/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Mortgage Servicing Company refusing to initiate loss mitigation options, never sent modification forms out as stated in the beginning stages of notifying the lender of a financial hardship. My last payment posted to the account was XXXX XXXX, 2015. I have equity in my home and now have no options but to loss my home and equity per FHA, XXXX XXXX and NationStar. My Realtor contacted NationStar and was told the system would n't allow them to open loss mitigation options. Even when there was plenty of time to consider options.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I believe that the XXXX credit bureaus are grading my credit report in a discriminatory fashion and allowing companies to add negative items that are inaccurate and are not being properly varified by the credit bureaus. Which has caused my credit score and report to suffer as a result. And, cause me hardship in my personal finances. Which has allowed lenders to disqualify me for different loan products, such as credit cards and home loans. So basically, it 's not lenders being discriminatory, it 's the credit bureaus. Because the are not making companies report adequate evidence to prove the the validity of the claims, which they would not do to other Americans consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Mortgage (Conventional fixed mortgage) with TD BANK US HOLDING COMPANY (CT).
Issue: Settlement process and costs

Complaint: TD Bank pulled a bait and switch on my mortgage closing costs. They are in violation of Non Disclosure, Deliberate misrepresentation on Legal documents, Overcharging by manner to deceive customer.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (AZ).
Issue: Settlement process and costs

Complaint: Suntrust was ordered to comply with the XXXX mortgage servicing rules as of XX/XX/2014. The Department Of Justice, HUD, and CFPB established rules to prevent poor documentation and lost paperwork as of XX/XX/2014. My home was foreclosed on while applying for an unnecessary loan modification in XX/XX/2014. The loan manager from Suntrust Mortgage kept losing the loan modification application. I was evicted from my home of XXXX years in XX/XX/2014 at gunpoint.

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 08/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (DC).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On XX/XX/XXXX, XXXX sent me a letter re : its obligation to send me a refund check totaling {$94.00}. This refund was owed me since I was a customer enrolled in the XXXX XXXX program offered by Citi between XX/XX/XXXX and XX/XX/XXXX. 
When I called at least two of the telephone numbers given to me by XXXX, after I never received this refund, I got a complete runaround for weeks. This refund is owed to me as a result of an agreement between Citibank N.A. and " certain of its subsidiaries, '' and the Consumer Financial Protection Bureau. 

XXXX staff by telephone have acknowledged several times by telephone : XX/XX/XXXX by XXXX, in Citi call center in FL. that she sees the account was closed ( by me ). 
She acknowledged that of course, a check with the refund of {$94.00} was owed to me, according to the agreement with the CFPB. She said to call XXXX to request that a check for the {$94.00} refund be cut and mailed to my home address on file. 

When I called, XXXX XXXX XXXX. XXXX XXXX, at XXXX 's HQ in XXXX XXXX, requested that I fax this letter to her, with XXXX ID # XXXX. XXXX XXXX and others at XXXX HQ are refusing to send check. Please press mailing of check per CFPB 's agreement with Citi, and Citi 's acknowledgement that this check should come to me asap. 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 08/30/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX XXXX XXXX, XXXX, on behalf of XXXX XXXX XXXX ( USA ). 
Since XX/XX/XXXX, the above collection company have constantly called me, with an attempt to collect a debt in the amount of {$4000.00}, ( after I asked them not to call anymore and that the debt does n't belong to me it belongs to the corporation inwhich I once worked ), they have mailed me numerous letters, I received the last letter XX/XX/XXXX ( after I asked them not to contact me anymore ) and they have damaged my credit report with all three credit agencies, because of this derogatory mark on my credit report, I have had a very difficult time trying to obtain US Veteran housing. 

I have repeatedly told this collection company that " this debt is not mine and to please remove this negative remark from my credit report, ( inwhich I have never given access permission ). I have repeatedly told and written letters to this collection agency stating that this debt belongs to XXXX XXXX XXXX XXXX a company credit card inwhich was I used under the corporation 's name and was not and is not responsible for debt or repayment. The corporation since then has dissolved. Please ressolve this matter. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: Balance transfer requested with capital one credit card for XXXX requested on XX/XX/XXXX posted to my account as balance on XX/XX/XXXX with capital one. During the transaction there was no notification as to a 10 day waiting period for balance to be transferred. No full disclosure. I requested an electronic transfer. They issued a check which has not been received as of XX/XX/XXXX by XXXX credit card. I asked Capital one to remove the balance until the check is cleared and funds have been recieved. They refused. I now have a balance on both credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Debt collection (Medical debt) with Radius Global Solutions LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I contact my Doctor office to see did I have an outstanding balance, and they said know. 
The law is clear, they suppose too contact me first. And they did n't do that! .Since they violate the law, they should remove the negative information.

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 03/15/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX medical collections showing on my credit report as " unknown '' creditor. I have notified Equifax on several occasions that these do not belong to me. I have n't been to a doctor or hospital in the past 9 years. Since the creditor is n't listed on my report I ca n't even dispute them with the creditor. This is totally unfair to me because I pay my bills on time and have excellent credit except for these erroneous accounts. It is making my insurance premiums higher, I ca n't apply for credit and it effects my job search.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (CA).
Issue: Managing the loan or lease

Complaint: My account with GM has a XXXX balance and is paid off as of XXXX. Due to the was its being reported it is hurting my credit score greatly. It was opened in XXXX and was offered a settlement to pay the vehicle off in XXXX and accepted it.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XXXX/XXXX/2016 I contact Trans Union through the cfpb.gov online gateway stating that XXXX of my personal emails hosted by XXXX was hacked, contained account and sensitive information and since XXXX of 2016 I had been receiving account threats of bills and accounts opened in my name using my social security number address name. and the I have subsequent hard inquires as well on my Trans Union consumer credit report and that I would like all inquires made after XXXX removed as I also initiated a Fraud Alert across all XXXX credit bureaus. However I was informed by Trans Union that since the email that was hacked was not the same as the one I used to communicate with the cfpb they were not under under obligation to do anything at all. I find that both untrue and evasive if the material issue was that if my email was hacked then " I '' was compromised and need remediation as a consumer starting with the retainer and furnisher of credit inquiries and records, not misdirection and dismissal of the damages suffered.

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 05/18/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I use Nelnet as my provider i switched to the repaye in XXXX XXXX ofcourse at that time the online application requested that I have called and spoken to them multiple times. First off they always tell you no matter what the call is the need 2-5 days to process. second of all they never reach back out to you when they say they will. I called maybe 50 times regarding my application. to confirm everything was correct and was always told everything was correct. I was also told what my payment would be. my husband and I sent in applications at exact same time his was processed. where mine due to many many errors on their end including putting my husband application instead of my own into my account told me they could not process my account so i had to send in paychecks. to make a very long story short they refuse now to calculate my payments based on my agi bc they have my paychecks per their request and demanding I had to submit them and also telling me multiple times not to send in my most update my most updated taxes. In the end they tried to blame me for the fact that they put my husband application into my account. which for one, even if my husband faxed in his application XXXX times why would they put it into my account. secondly, as if i could be on their end and scan it into my account. this complaint is based on the principal that i tried to avoid mistakes and have my application processed in the the fastest matter i could, and called and tried to be patient and most effective clearly their staff is not trained to know how to handle any situation or even give out the correct advice. even the solutions center was rude to me when speaking to him and kept telling me i put my husband application into my own account, the after researching more " suddenly '' found something he missed before that was their fault. make a long story short after prob 10 hours total phone with them and XXXX calls later they still messed up, do n't offer any solution, and now can not calculate my payment based on my AGI until i do my XXXX taxes next year!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Debt collection (I do not know) with AFNI INC. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This debt collectionnagency never sent me any correspondence regarding this debt or have ever tried to.commicate with me regarding this debt. Per the fair debt collection practices.act, a collection agency is supposed to.contact the consumer as well as validate the.alledge debt. This collection agency has done neither and this debt has been reported to.the credit bureaus and this has negatively impacted my score. I never got a chance to.even try to make a payment on this account because i had no knowledge of it.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have been in contact with XXXX XXXX via phone, mail, and email regarding late payments that they have reporting on my 2 open accounts. I have requested that they provide me with more information than " we have researched and found that these late payments are accurate ''. They are reporting 8 late payments in 2017 for one account and 2 for 2017, I have requested documentation showing when the payments were due and when the payments were made, I also asked for the phone call to be reviewed when I made a payment arrangement to bring my balance down, as I was informed that the late reporting would NOT report if I made the payment arrangement and paid it on time ( I completed the payments prior to schedule ). And all I received was a letter indicating that " we have researched and found that these late payments are accurate ''. They have proved absolutely nothing to me.

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 06-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX of the names listed on my account is spelt incorrectly

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 08/22/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MA).
Issue: Account opening, closing, or management

Complaint: I signed up for CITIGOLD promotion XXXX XX/XX/XXXX to earn XXXX AA miles after completing particular requirements. I completed the requirements timely and received multiple written confirmations that I completed the requirements. Months had past and I was never given the earned promotional miles. Then recently, I noticed I was erroneously given the wrong kind of promotional bonus, citi thank you points. I filed a dispute and now Citi says they will not give me the AA miles, the actual promotion I signed up for, because I was given citi thank you points. To be clear, I do not want and never wanted the Thank you points. I want the XXXX XXXX miles that are rightfully mine and have confirmed to be mine on several occasions. I also want to be refunded {$60.00} in bank fees Citi has charged me while I wait for them to fix their mistakes.

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