milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2017 about Debt collection (Medical) with Strategic Alliances, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was contacted by XXXX I was told I have debt from 2014 for XXXX when I contacted XXXX they advised it was from missions trails they also said the debt was only in the XXXX when I contacted the debt collection and ask why they are trying to collect more, the rep insinuated it 's due to the debt was sold to a collector as if there is a charge for it. I knew they buy the dept for sometimes pennies on the dollar so I advised I contact them back on that debt. They have other debts from over XXXX yrs ago they keep trying to collect and I keep telling them I 'm not aware of and I 'm not able to verify with the original creditor so I do n't believe they are mine and will not be paying them. Then they sent me two letters showing the incorrect amounts from the one hospital that actually had a true debt I owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The federal tax lien in amount of {$110000.00} dated XXXX/XXXX/XXXX, need to be removed from Trans union, due to statue of limitation for 10 years from XXXX/XXXX/XXXX when the substitute tax return was prepared XXXX. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 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 account below is paid off. 
XXXX XXXX Last reported : XXXX XXXX, XXXX {$51000.00} Good Overview You 've paid off 1 % of the original amount. 
Balance {$51000.00} Highest Balance {$52000.00} Monthly payment {$1000.00} Opened XXXX XXXX, XXXX ( 2 mos ) Term 72 months Payment History Youve made 100 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XXXX XXXX, XXXX Current Payment Status Current Worst Payment Status Current Account Details Account status Open Type Automobile Responsibility Individual Remarks -- Times XXXX/XXXX/XXXX days late 0/0/0

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 06-02-2017 about Mortgage (FHA mortgage) with Eagle Home Mortgage, LLC (WA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XXXX/XXXX/17 Eagle Mortgage loan officer XXXX XXXX. said I pre qualify for {$100000.00} Conventional loan, and {$100000.00} FHA. XX/XX/17 Did Rapid Rescore with XXXXXXXX17 was told by XXXX rescore is back did n't increase score so the loan amount has to go down to {$80000.00}. Asked XXXX for pre-approval letter on XX/XX/17 re-requested it on XX/XX/17. An offer was put on house on XXXXXXXX17 started working with XXXX XXXX.I was told they could no longer keep my previous approval, and I had to put a bigger down payment of {$150000.00}. received loan disclosures on XX/XX/17.My loan amount was lowered again to {$75000.00} was told they where trying to keep me in the {$700.00} range. I was already quoted {$100000.00} by XXXX to stay in the {$700.00} range.On XXXX17 received loan disclosures. Did not sign was uncomfortable.XX/XX/17 Me, and realtor XXXX XXXX went into office so they can explain them.XX/XX/17 Turned in all requested documents to XXXX was told everything was good.XX/XX/17 received approval commitment letter from XXXX XXXX17 received call from XXXX asking questions about documents XXXX We already went over and she said was good.XX/XX/17 XXXX told XXXX my son birth certificate was needed. XXXX faxed it in that day. XXXX/XXXX/17 XXXX called said loan is denied due to sons income not continuing for 3 years, his birthday being 1 month shy.If I could get a co-signer? I would need one to get approved. XXXX/XXXX/17 had to inform listing agent loan was n't approved. She called XXXX XXXX, and he told her I filled out the wrong birthday on application. I was never asked to fill out a application, I never filled one out. Nor sign one. Somebody in that company committed fraud by submitting an application for me. with the wrong information. Nobody asked me how old my son was. My name is being defamed by XXXX telling the realtor. I put information on an application I never filled out. That company has committed fraud, and defamation. My loan was denied because of the way they handled my loan. We started this process in XXXX. that 's when the application process should of started. They were doing my rescore, and I had turned in income verification, and bank statements. So they knew I was applying for a loan through them, but never offered me a application to sign. So there is no record of a date. XXXX lied on me. By saying I put the wrong information. Making me look like. I lied, or tried to commit fraud. I was putting in over half of the money for the house.It is my judgement the way they handled my claim. I do n't believe they were really trying to give me a loan, and waited 2 weeks before closing to tell me I 'm denied. After they said I was approved. I feel discriminated against because I am a XXXX XXXX women. I have records of our conversations if needed.

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 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a XXXX and XXXX and was in the process of purchasing a home when I was informed by my creditor that there were collection items reporting on my credit report. This was a complete shock to me because I haven't used my credit other than to finance my car. When I reviewed the credit report that was given to me from the bank and saw a ton of information reporting on my credit report that had nothing to do with me, I immediately contact XXXX, TransUnion, and XXXX to inform them that they were reporting inaccurate information on my credit report that needed to be removed. All 3 of the credit bureaus have responded partially by removing some of the inaccurate things they were reporting. I have been consistently submitting my request to have these inaccurate collection items removed from my credit report and since XX/XX/XXXX, they all have ceased to provide me further assistance and investigative proof substantiating their lawful reason to refuse the removal of the remaining inaccuracies. I started contacting the 3 credit bureaus in XX/XX/XXXX and have followed up on all their correspondence regarding this issue. TransUnion and XXXX have responded by removing all but 2 of the inaccurate collection reportings and XXXX still inaccurately reports 4. All 3 bureaus continue to report XXXX XXXX as not paid in full when it was paid in full by refinancing thru XXXX XXXX in XX/XX/XXXX. So my credit report reflects that I have 2 outstanding auto loans when I only have the one with XXXX. These inaccuracies are interfering with my ability to purchase my home and violate my rights under the Fair Credit Reporting Act.

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 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: In XXXX XXXX, I reported to Experian, XXXX, and XXXX, that information on my credit report is incorrect. Date of first delinquency being reported by XXXX XXXX XXXX ( XXXX ) is incorrect. They were even falsely reporting payments that were never made. This was a loan obtained in XXXX which is now a 10 year old account still being reflected on my credit report. It is being reported that last activity was XXXX when in fact no activity has been made 5 years beyond that.

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 06-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I called the depth collecting agency and they said that it was n't active because it was n't me after all.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: TransUnion has incorrect balance owed on 3 credit cards that were closed. XXXX XXXX XXXX should show a balance owed of {$170.00} XXXX XXXX should show a balance owed of {$170.00} XXXX XXXX should show a balance owed of {$150.00} All 3 credit cards were closed by me because all 3 committed Fraudulent Fees to my account. <P/>I want my Credit Report to reflex the correct balance owed on all three credit cards accounts that were closed. <P/>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 05-12-2016 about Credit card () with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Payoff process

Complaint: I opened a Credit card account with Santander in XXXX and took a Promo Balance Transfer of {$4500.00}. I also did some purchases and keeps on paying all by purchases in full plus any fee and minimum payment on Balance Transfer. According to guidelines, the payments that I am making should be first applied to Fee & Interest then higher APR bucket. But, they apply payments to my Promo Balance transfer which does n't clear my Purchase balance and then apply Interest on my Purchases. 

I would like to explain this based on my XXXX 2016 and XXXX 2016 statements, which I will be attaching. In XXXX, I made {$4500.00} in Balance Transfer, XXXX in Purchases and {$130.00} BT fee and paid {$700.00} in payments even before statement is generated. 

In XXXX 2016, statement I have payments of {$1100.00} which is made before my XXXX Statement Due Date of XXXX XXXX 2016. Based on these payments, my Purchases and Interest & Fees of XXXX XXXX should be cleared and minimum payment on Balance Transfer should be covered. But, since they applied good chunk of payments to Promo Balance Transfer, Purchases are not cleared and it is rolling over and charging me interest on purchases in each statement. 

Now, its an ongoing issue as I am still making payments higher than purchases, but it is not clearing total Purchase balance. I have contacted them multiple times but they just keep on stating there same policy documents. I have even asked for written explanation of methos the payments have been applied, but they have denied it twice asking me to refer to card opening documents. According to me, they are not following there policy of applying payments to higher APR balance.

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 10-06-2017 about Debt collection (I do not know) with Meridian ARG Inc. (WI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: XXXX/XXXX/XXXX XXXX PEOPLE IN MY FAMILY RECEIVED A CALL FROM XXXX THREATENING THAT IF THEY DID N'T CONTACT THE NUMBER ABOUT ME THAT I WOULD BE GOING TO CHAIR AND THE DA 'S OFFICE WOULD BE CONTACTED. THE PHONE CALL WAS VERY THREATENING AND THEY EVEN CALLED MY XXXX AND XXXX XXXX XXXX DAUGHTERS AND MY AGING IN-LAWS. I WOULD NEVER USE MY DAUGTHERS OR MY IN-LAWS AS REFERENCES ON ANY ACCOUNT. THE PHONE CALL WAS VERY BOTHERSOME TO ALL OF THESE PEOPLE BECAUSE THEY DO N'T KNOW THE LAWS AND RULES AND THOUGHT I WAS GOING TO GO TO JAIL.

Company response to consumer: Untimely response
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have 2 XXXX XXXX XXXX credit its closed but the reason is CONSUMER XXXX.i was pay off and no balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NM).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Today ( XX/XX/XXXX ) I went to withdraw funds from an ATM. My transaction would not go through two times at this ATM and only providing me a phone number to dial. I then tried another ATM and was provided another phone number to dial. I then called to Wells Fargo ( XXXX @ XXXX XXXX ) regarding why I was not able to withdraw money. The agent stated that there was block on my  account due to questionable transactions that had been made. After verifying my authenticity, I inquired more information regarding the transactions and the dates. I was provided the information and from which merchant. They stated that is done through XXXX online for three purchases for the following amounts : XXXX XXXX/ XXXX XXXX/ {$230.00} all made on XX/XX/XXXX. XXXX refunded me the money back for the first purchase immediately, however, then the two amounts were pushing through. That was when Wells Fargo placed a block on the card. I then asked why I did n't receive any notifications, the agent stated to check my settings on my notifications. After discussing this with agent, I then went through my bank statement and emails at a later time ( please look at attachments ) and did n't find any notification from Wells Fargo. Through my bank statements, there was no credit or transaction regarding XXXX. I then reached out to XXXX and looked through my online account for any recent purchases. Again, there was no order transactions or refunds documented. XXXX informed me that they did see the amount for {$460.00} that was automatically refunded. XXXX did n't find the two other accounts that Wells Fargo stated to me. The agent informed me all purchased where done from a third-party merchandiser : Breed. The agent also provided me their phone number to reach them directly, however I reiterated that since I only have verbal confirmation from the ( XXXX ) and my bank ( Wells Fargo ) that I needed more documented proof. I was only provided a reference number on this incident from XXXX and told it would be sent to level 2.

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 05/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PNC Bank N.A. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have requested numerous of times for a permanent modification in order to obtain a long term solution for my mortgage loan. However, PNC Bank refuses to offer such assistance in order to modify my loan from a " balloon '' to a fix rate mortgage. XXXX I was in the process to refinance with them in order to obtain a new loan with a fix rate, but I became unemployed. PNC " denied '' my application to refinance and for a modification because I was unemployed. I 'm back to work now and I still do n't qualify for a permanent modification because now I have income. PNC has been " Deceptive '' in their practices to make a decision for my application to obtain a modification. Not only has PNC been " Deceptive '', but " Discriminatory '' towards the location of my property since it 's seems most of the residents in XXXX, IL are being denied assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Wells Fargo advertised a {$250.00} promotion for new checking accounts. I opened an account during the specified timeframe, made the requisite opening deposit and established a direct deposit to meet the qualifications for the {$250.00} promotion. Through a series of emails, Wells Fargo, first confirmed that I qualified for the promotion and would receive the funds in 45 days. Then after the 45 days past and no evidence of the reward, I contacted the Bank inquiring about the issue. A different customer service representative indicated that, now, I did not qualify for the promotion. Recent communication with the Bank, reversed course again and indicated I did qualify but would need to send my tax id number ( although they acknowledge they have my social security number which is my tax id number ). Then, the representative said once the Internal Revenue Service confirmed my tax id number, they would revisit my eligibility for the reward. I have never been subjected to confirming information with the IRS to receive a reward with other banks like XXXX who offered similar promotions. <P/>I have also never communicated with a company with such inconsistencies and resistance to awarding a customer for something they clearly qualify 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 monetary relief
Consumer complaint received 08/26/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: APR or interest rate

Complaint: I obtained care credit for medical expenses which had promotional zero percent interest if the balance was paid within a year. During the year I had a XXXX procedure completed. I paid over the amount of the monthly fee every month and at times XXXX my payments. I began accruing interest and when I called the company to dispute this I was told that I had to call every month after a payment a request that the additional amount I was sending in be credited to the initial purchase. I was told there was nothing I could do and that I would need to pay the interest. This is deceptive and not indicated in the contract. The company is Care Credit now Synchrony Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-12-2015 about Debt collection (Credit card) with Thomas, King & Associates (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am not arguing that I do n't owe the money and I plan on paying it when I have it but this man is haunting me!! 

Called my son and threatened him that a lawyer was looking for me. 

Calls my office and does not announce that it is personal information. 

Uses different names, different company names and different numbers to identify himself.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX/XXXX/XXXX a loan was taken out in my name with XXXX XXXX. I believe it was a third party company that submitted the loan application to them in my name for a XXXX XXXX XXXX for {$34000.00}. 

I submitted a dispute to them in writing, where they sent me the original agreement that was sent to them with what appears to be my signature. 

I have never been in this car nor have I ever seen this vehicle. As soon as I found out there was a car in my name, I called XXXX XXXX and advised them to pick it up as it was fraudulent. They got the car, however still held me responsible for the finance charge, which is still effecting my credit. 

To add to the issue, I reviewed the employment verification documents and it shows that I 've worked for XXXX XXXX XXXX, making $ XXXX as an office XXXX, which is incorrect. I have been a nurse for over 10 years and have never worked at XXXX XXXX XXXX. 

This issue has caused an extreme issue with respect with me getting approved for a home loan at no fault of my own. 

I have dealt with this for months and am at the point where I need the accounts removed and removed from my credit report immediately. It clearly shows that XXXX XXXX has been engaging in unfair practices at my expense. 

Please help. I have no other alternative for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: As of XXXX 2016 Navient charged off my private student loan yet they continue to report different past due amount to the credit bureaus as well as lie about what my monthly payment is. My monthly payment has never been {$440.00} but this is what they are reporting and they keep saying my last payments were different dates. To my understanding if you are going to charge-off an account then you can not keep updating the account status every month as past due with different information. Also I was in a payment plan XXXX of 2016 and made the first 3 payment but then got behind yet they are still attempting to take money out of that account which is not closed even though I do n't keep money in it and that is in the amount of {$250.00}??? every month. So how can they report my account being charged-off, and past due in different amount and still try to take money? I reported them before and all I got was a bunch of lies so hopefully this time will be different.

Company response to consumer: Closed with explanation