milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-11-2018 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: Information belongs to someone else

Complaint: This company is representing an apartment complex I lived at. After two years they are stating I owe them $ XXXX. I have attached email between me and the apartment property management. They have now sold the file to a collection company while in dispute. Also I stated the rental box was broken into when I put in my 60 day notice. Should n't they have all this information? Should they have not done a police report? 
Property : XXXX XXXX XXXX XXXX : XXXX Account # : XXXX Current Balance {$5400.00} I have disputed this prior to being sold as not mines and I do n't owe any moneys why they have sent collection is against the law.

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 03/13/2017 about Debt collection (I do not know) with Rauch-Milliken International, Inc. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: A sales person for yellow pages called XXXX XXXX show up one day to my place to offer me a good deal on marketing for my busines wich is currently colsed, the original agreement was XXXX dollars per month i never sign any document i just accepted verbally, but the first bill that i received from them was for the amount of XXXX dollars plus XXXX, by then i totally disagree with that amount because we agreed XXXX and nothing else i did not have that amount to make that payment, I asked twice to XXXX when he came to my shop is there any hidden or extra charge and he told me not at all and that was the reason why I accept by then he never mentioned anything about that ridiculous amount always told me XXXX will be your first bill even when i received my first bill i contacted him and he contacted yp for an explanation, when i receive the call from collection from XXXX and from XXXX i told them i do n't want to do any advertising with your guys because this is not what we agreed so close my account and im more than welcome to pay for the 2 months that your guys had my listing online 2 months later they close my listing and that it, never heard from them anymore, ( I DID NOT SUBMIT ANY PAYMENT ) Now 2 YEARS LATER this company called ( Rauch Milliken International, inc ) XXXX XXXX XXXX, LA XXXX PHONE ( XXXX ) Just send me a letter claiming that i owe XXXX dollars wich is not true is totally incorrect and also they just threat me to seize my bank account, inventory, account receivable etc, without this case being taken to a small claim court or anything like that, also they just called me on Thursday XX/XX/2017 and same thing the girl on the phone threat me to take legal action against me or my company wich do n't exist anymore. Please advice.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo Home Equity Loan opened on XXXX, 2004 is showing up as an Open Account on XXXX. I have reached out to Wells Fargo in an attempt to have it closed/removed with no success. They had me send a fax with all the info and was told it would be removed in a couple weeks. I have done this multiple times. It 's now been a year. I 'm unable to provide the loan number because I was taken off the loan when I was divorced. I 'm also unable to provide my x-wife 's social security number because were not married and I do n't have it. How do I get this removed from my credit report if Wells Fargo refuses to contact 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 03-04-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: I opened my account on XX/XX/2016 and funded the account on XX/XX/2016. I opened it with Promo Code - XXXX ( XXXX ) and that promotion stated. " There will be a bonus of {$400.00}. To get the bonus you must either open the Citibank account package and the Citigold account package and deposit {$15000.00} of new to Citi funds within 30 days and keep it there for 30 days. The bonus will be deposited within 90 days from the date that you meet the requirements. '' It is well past the 90 days and I still do n't have the {$400.00} bonus. I have contacted Citibank several times and I continuously get the runaround on the bonus. I was told I did n't have a XXXX but I have sent that XXXX FIVE ( 5 ) times to them at - CITIGROUP XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX which is the address Citibank provided to me. They show that it was received but keep claiming that the SSN does not match my bank account name which is a LIE. I then send it a 6th and 7th time of the XXXX WITH a copy of my driver 's license, a copy of my SSN, and a copy of my tax return. All items match with my SSN on the XXXX form. I feel that Citibank is doing EVERYTHING POSSIBLE in order to avoid giving me the {$400.00} bonus EVEN though I have met every single condition of bonus offer. It is now XXXX and it has been over six ( 6 ) months since I have opened the account and left the {$15000.00} in the account without a penny of interest or the bonus. Can you please investigate this matter? I have XXXX this online and Citibank is KNOWN for pulling these illegal shananigans in order to keep from paying the bonus they promise to their customers to get them to place money into their bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-02-2016 about Debt collection (Payday loan) with BlueChip Financial (DE).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: A debt collection company named XXXX XXXX XXXX XXXX is contacting me regarding a debt with Spotloan. I 've asked this company to send me the information in writing to my home address. A representative by the name of " XXXX '' states they 've sent the letter previously and it 's not their fault if I did n't get it and that they refuse to send me another letter in writing. 

Also, I 've received a call from family members stating this company is trying to reach me on several other phone numbers, XXXX and XXXX. These calls have to stop. They 've been instructed that they should not be contacting any other numbers.

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 05/23/2017 about Debt collection (I do not know) with URS Holding, LLC (AZ).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: This compa ny All Trans Financial is c alling at my work place. They do not want to give me any information. They just calling my job 's number but they do not have any information about a debt from this number. Then when I tell them to erase me from their list they say that they need my full name to do so. They are very rude and unprofessional. The lady that is calling me is  XXXX   XXXX . They do n't even know why are they calling. They can not find any records of collection from this number.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Upon applying for a home loan, a credit inquiry was pulled from the credit bureaus. A debt amount of {$390.00} was reported by Enhanced Recovery Company as non-payment on a XXXX phone account. I disputed the debit as not belonging to me. 

I received a letter on XXXX XXXX, 2016 from ERC stating that they were going to have the debt removed from all bureaus. It was then removed from the credit reports on XXXX XXXX, 2016. It appeared to be resolved. 

The loan company then required that we all participate in a call where XXXX, myself, and ERC are all connected and ERC verbally confirms to XXXX that the debt has been resolved. 

On that call, ERC says that the debt is still owed and that they sent no such letter etc. This has caused the loan company to hold off on the loan until there is resolution. 

This is not my debt which ERC has acknowledged in writing. They are falsely trying to collect the {$390.00} knowing and acknowledging in writing that this is not my debt. Essentially, they believe that I am in between a rock and a hard place and can be forced to pay the debt or risk losing the house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2016 about Consumer Loan (Vehicle loan) with JBS Finance, Inc. (GA).
Issue: Problems when you are unable to pay

Complaint: Iam here to complain that i made arrangements with loam company JBS Iam currently 8 days behind and Talk to the office manager XXXX advised i would make payment om wednesday XXXX/XXXX/2016 and they came and repo my car on the XXXX/XXXX/2016 I was 8 days late they lied and took car anyway please can you help XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Original company : XXXX XXXX XXXX {$94.00} ) Debt Collector : XXXX XXXX XXXX Reason : XXXX XXXX was completely paid because my utility was paid by government program due to my poverty level and joblessness. I left Pennsylvania 4 years ago and this charges showed up recently. I am single divorced mom with XXXX young children.

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 01-11-2018 about Debt collection (Credit card debt) with Messerli & Kramer P.A. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: XXXX IS THREATENING LAW SUIT TO COLLECT ON A DEBT I DO NOT OWE TO XXXX XXXX BANK IN THE AMOUNT {$2400.00}. THEY SENT NOTICE CERTIFIED MAIL WHICH WAS HANDED TO MY MINOR SON AGE XXXX XXXX XXXX, I 'VE ASKED XXXX XXXX BANK TO SEND VALIDATION OF DEBT WHICH WAS NOT RECEIVED YET THIS HAS BEEN ON GOING NOW FOR TWO YEARS WITH THIS SAID COMPANY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting of a fraudulent hard inquiry for XXXX XXXX, 2015 from XXXX XXXX. XXXX XXXX says they have sent letters trying to rectify and Equifax say no such letters exist. XXXX removed the fraudulent hard inquiry but Equifax will not. Plus they have my name misspelled and incorrect on my credit file. I have been calling XXXX XXXX for over a year and nothing has been done to fix their error.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX Sent a hard copy dispute via USPS certified with return receipt which was delivered on XXXX XXXX, 2017. Have not gotten any acknowledgement, notification or contact with respect to my complaint and dispute. Attempts to make contact online has been fruitless with the system not acknowledging my inquiry. Telephone contact has sent me around in a circle going from one automated system to another. XXXX Recently there was a reduction in my score since the time that I mailed then submitted my dispute. Again after holding on the phone for over 30-minutes, and STILL no acknowledgement of receipt. The 30-days for investigation of my dispute and complaint has already begun. USPS tracking number : XXXX XXXX XXXX, 2017, XXXX XXXX Delivered, XXXX XXXX XXXX, TX XXXX Postal Product : First-Class Mail Features : Certified Mail Return Receipt l

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Debt collection (Other debt) with Credit International Corporation (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This started from my landlord retaliating against us after we attempted to get the home energy efficient and we spoke with the Commerce Dept.. 
They contacted him. He 's a poor excuse of a landlord cuz upon move in he made me do all the cleaning. 
We got to the point of receiving a 2nd unlawful detainer, and we 're evicted XX/XX/XXXX then : A 3rd party collector gets involved, who made no attempts to contact me prior to the garnishment.!!! In XX/XX/XXXX I noticed that I was being garnished, I discovered that it was XXXX XXXX XXXX located out of XXXX. I sent a letter immediately for proof of the debt, validation & the amounts. It went unawnsered. I am frustrated because I 'm not able to get a statement to show the balance, payments and credits. The case # used is for a paid case. Previously, XXXX XXXX, was atty. of record and we took in a large cashiers check to pay the amount owing. We requested a copy of the receipt & copy of the check from XXXX office but have not gotten it yet. I did not get notified of the transfer to Credit International hearing or the wage garnishment. It appears that they sent my paperwork to a erroneous address. Furthermore, the garnishor has illegally withheld our personal items that we had in the garage and failed to return our last months deposit/security or a detailed statement. Please investigate this matter and determine if I overpaid this 2nd judgement. I pray that you will get the answers that I 've tried to obtain. 

Case # XXXX this is the correct case #. The case # XXXX had been paid except minor atty costs of {$300.00} approx. Otherwise on the XXXX XXXX day it would have showed all that 's owed to him.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MS).
Issue: Loan servicing, payments, escrow account

Complaint: Escrow manipulation ; Carrington Mortgage. Adding fees for there own.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased my home in XXXX of 2015. I made payments to my initial mortgage company, First mortgage, until XXXX 2015. In XXXX I recieved a goodbye letter stating that my mortgage had been bought out by Freedom Mortgage. The letter was a mistake. it even had the wrong account number on it. I sent a payment to freedom mortgage to this wrong account number and thought nothing of it, until i received a letter from first mortgage stating i was behind on my mortgage for the month of XXXX. I quickly called and told them that they had sent me a good bye letter and told me it was a mistake ( i have proof of this letter ). they told me i would have to find the money. I called freedom mortgage and explained the mistake. they said they would send the check for XXXX to first mortgage directly so i figured it was handled. I was wrong and the check never arrived. I continued making payment to first mortgage then in XXXX I received a letter from Freedom mortgage stating that i was late on my mortgage payments. now I was really confused because first mortgage had told me i was with them. I never got a real official goodbye letter from first mortgage or a welcome letter from freedom mortgage. I called first mortgage to confirm i was transferred over and i also called freedom mortgage to confirm. this time the transfer was for real but they made a mistake. They transferred me with a missing payment from XXXX, but the only reason i was missing a payment from XXXX is because of their mistaken goodbye letter in XXXX. now they say i am in default and they are sending me threatening letters. 
All in all i have proof that i have paid every mortgage payment, since the day i bought my house, on time to this day. I have never missed a payment and i have proof! It was all mistakes on their part but they can not figure it out!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Bank account or service ((CD) Certificate of deposit) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Deposits and withdrawals

Complaint: I apologize for having to intrude on your valuable time with this matter. I do so as a last resort having exhausted all customary channels with the local representatives at Citizens Bank. 
I had XXXX IRA CD 's at XXXX ( XXXX ) maturing in XXXX. In XXXX I received XXXX Maturity Notices from XXXX showing the maturity dates and details of the XXXX CD 's. At about the same time I also received a solicitation in the mail from Citizens promoting a 15 month 1.5 % CD. I visited the local XXXX NY branch of Citizens bringing the letters from XXXX and the advertisement I received from Citizens. I met with XXXX XXXX XXXX. I explained to him that, although I would be out of town, it was my desire to transfer the XXXX CD maturity proceeds to Citizens when they matured. XXXX XXXX XXXX said that he could collect the proceeds from XXXX upon maturity of the CD 's to fund the new CD at Citizens. We agreed, XXXX XXXX XXXX made copies of the letters from XXXX and he completed the necessary transfer forms while making several phone calls to get instructions on how to fill out the forms. I signed the form as he requested. 
Upon my return home several weeks later, I was surprised to find a mail notification from XXXX advising that the proceeds were transferred prior to maturity, resulting in an early withdrawal penalty of {$2400.00}. XXXX XXXX XXXX erroneously processed the transfer requests immediately, approximately 5 days and 13 days before maturity. He did not wait until after the maturity dates as he agreed to do. The early transfers resulted in a {$2400.00} penalty to the CD balance plus a {$370.00} tax liability. The original XXXX CD rates were 3.25 % and 3.44 %, much higher than the 1.5 % rate I received upon transfer to Citizens, so there was no incentive to transfer the CDs to a lower rate before maturity. 
I am requesting that Citizens Bank make me whole by reimbursing me for the loss I sustained as a result of Citizens Bank failure to follow my instructions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: i have been contacting Transunion for over a month trying to get inaccurate information deleted from my files. I checked my credit on XXXX XXXX, 2016 on the XXXX site and had a total of XXXX hard inquires removed from my report. I checked back on the XXXX site on XXXX XXXX, 2016 and all XXXX hard inquires were placed back onto my account without anyone notifying me about the reinsertion letter as required by fcra section 611. I 've made numerous calls ever sinced this matter occurred. And could n't get help from anyone. I requested several times to be transfered to the fraud department or an US reprensentative. Keep getting the run around. Many of them had nasty attitudes. Many said they knew of the situation, but oh well. Take it as a loss. Said to file a complaint because they were n't going to help me, and hung up. This happened several times.

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 08-07-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (VA).
Issue: Account opening, closing, or management

Complaint: I opened a Citi Gold Checking account during a promotion that Citi was running to give a XXXX ThankYou points for new members who signed up with promotion code XXXX and satisfied several terms. I confirmed via secure message to Citi on their site that the account was set up properly with promotion attached on XXXX/XXXX/XXXX. After completing the requirements, I confirmed via secure message that the account had the promotion attached still and I had successfully satisfied the terms of the promotion. Citi was able to research and confirm all of these things and stated there was a waiting period of a maximum of 90 days for the promotional points to post to my account for use. Starting with the last day possible for the points to post, XXXX/XXXX/XXXX I followed up with Citi via secure message to ensure everything was good and the points were going to pose. I was again assured the points were going to post but they never actually did. I followed up multiple times and received responses on the following dates all assuring me the points were going to post : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In addition to the correspondences via secure message, I received 2 " E-communication '' letters on XX/XX/XXXX and XX/XX/XXXX assuring me the points were going to post. A familiar refrain of all of these communications was something to the effect of " Well the points should have posted already so we went ahead and posted them again but now you just have to wait another 30 days. '' over and over and over again for the past 6 months that I have been waiting since completing the promotion in accordance with Citi 's terms. During this wait, I have been charged {$42.00} in monthly service charges on the checking account and I ca n't help but wonder if the prolonged nature of the resolution to this issue has something to do with the amount of money collected in monthly service charges.

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