milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: TransUnion report issued date : XXXX/XXXX/XXXX, file number XXXX. Logged in at XXXX on XXXX/XXXX/XXXX, and the accounts listed below are still being reported. According, to the aforementioned report, the items were supposed to be deleted in XXXX. 
Collection Account : 1. ) XXXX XXXX XXXX Remove- listed in duplicate on report, this is already listed/assigned to a new agency- XXXX. 
2. ) XXXX XXXX XXXX XXXX supposed to be removed XXXX 3. ) XXXX XXXX {$6100.00} ( opened XXXX/XXXX/XXXX ) - supposed to be removed XXXX 4. ) XXXX XXXX {$22000.00} ( opened XXXX/XXXX/XXXX ) - supposed to be removed XXXX 5. ) XXXX XXXX {$26000.00} ( opened XXXX/XXXX/XXXX ) - supposed to removed XXXX 6. ) XXXX XXXX {$40000.00} ( opened XXXX/XXXX/XXXX ) - supposed to be removed XXXX 7. ) XXXX XXXX {$39000.00} ( opened XXXX/XXXX/XXXX ) - supposed to be removed 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 02/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (FL).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: In XX/XX/2009, I was XXXX and graduated high school. My mom took me to get a credit card from Wells Fargo Bank on XX/XX/2009, I was approved for a {$400.00} credit limit, but no-one explained to me how to use it I was just told don't max it out. I was very young and had no idea what credit even was. My mother was taking me out to dinner to celebrate and we discovered we had a flat tire along the way, we used all the money we had including my credit card to buy a new tire. The only money we had left to eat was the remaining balance of less than {$200.00} on my credit card so I fed myself, my mother, and my XXXX  siblings. I can't get another unsecured card because of this and I feel like I'm being punished for my lack of knowledge on how to use a credit card at XXXX. I'm XXXX now and I know how to be responsible with credit cards and I have a secured card now with a {$200.00} limit with XXXX but I need more credit because I take care of my sick father and a {$200.00} limit isn't enough for me to take care of him, and my household.

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 11/22/2017 about Money transfer, virtual currency, or money service (International money transfer) with CITIBANK, N.A. (NC).
Issue: Other transaction problem

Complaint: I opened account with them since this is the account out extended family uses in XXXX. We are buying a house and need to pay the note and my husband 's sister sent us money to help us which i was trying to use to put it in my wife 's account. The check was deposited and then withdrawn from my wife 's account.I thought we made a mistake and decided to use the city bank to make a credit card payment and not use it for critical payment for the note of buying the house, that was payment was cancelled.I called few times. The folks i talked to said it looks like a fraud and you can not use your money. it is only few days since you recd the money. i was very unhappy and talked to few people. i felt very harassed. I am doing nothing wrong. We are trying to pay for the house that we are buying so i wanted to make sure this gets reported and i know what was the outcome of the system. They said they think it is fraud and they closing the account and sent money back to the sender. THIS IS UNACCEPTABLE to a common man. I wanted to put a review for future folks but i will file a complaint to make sure they get penalized for disrespecting and XXXX us where we told 'you can not use this money '. We are hard working people and someone tell us i can not use my money, it is not okay. please let me know how can i help to ensure this issue is resolved and does not occur again. If you have any questions please let me know. I am so harrassed and it is affecting everything in our lives since this money is stuck and we are holding up all the bills and not sure how we are going to make our home payment that is coming up due in few weeks. Please give these guys sever punishment and block them from providing this service to customers. 
Complaint number : XXXX was the originial complaint

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 10-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The Law Offices of Gerald E Moore & Associates, PC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The apartment complex I lived at claimed that I owe them rent payment for the new tenant, who was moving into my old apartment, because the new tenant decided to move in two weeks later than the original move-in date. 

I had told the management several times my lease is up, and I am no longer liable for when the new tenant decides to move in. However, the management and corporate office of the apartment complex continue to argue that I am liable because I am not off the lease until the new tenant physically move in. 

Nonsense! My lease expired, so do not try to make me pay for something that has nothing to do with me. Yet, the corporate office continues to sent harassment letters for 1.5 year-after I have ask them to stop in writing. 

Then they sent false information about me owing them money, along with my personal information like addresses, ss #, telephone, etc ... to XXXX collection agencies, XXXX of which claims to be a law firm. However, the " law firm '' I called had no lawyers there, and there was no working email addresses. The manager I spoke to gave me to wrong email addresses-sketchy. 

Furthermore, the " law firm, '' and the manager at the " law firm '' I spoke to sent me a letter threatened to collect and get a judgment against me. I kept telling him I do not owe any money, and you have no proof I owe the apartment complex any money so why are you still harassing, threatening, and bothering me? 

The man would not answer, would not let me speak to an attorney there because there is none. This business have had many complaints online, and even a lawsuit I found against them for misrepresentation of information, acting or holding themselves out to be attorneys when they are not, and their way of disputing the debt is by not listening, and continuing to say, " we 're going to go ahead and collect. any information will be used against you, etc ... '' I do not owe any money, and you do not have any evidence I owe any rent money so you need to stop, leave me alone, close my account, and end all contacts with me! 

How is this business able to operate still? They uses false identities, claiming they are lawyers in the business of collecting debt when they are not, and not knowing what the law is but trying to scare me by saying it 's a federal violation. 

A federal violation for NOT owing debt to the apartment complex???? This " law office dba Gerald E. Moore and Associates, PC '' needs to be shut down, fined, be prosecuted, and face contempt of court. 

What false information they gathered about me they are doing to many others. These nonsense, harassment, and evil conduct need to stop immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My name is XXXX XXXX. I have just checked my credit score that seems to be ok. However, as I was going through my credit score I noticed that there is a name of a XXXX XXXX on my report. I no idea who XXXX XXXX is. I don't know how, who, where, when or why that name is on my credit score because that is not my name. I have two other names, one is from my previous marriage and the other is my maiden last name that I have used both of those names in the past, but I don't use those names anymore either. But I do not now and I have not ever been a XXXX XXXX. Please remove that name from my credit score and I want that name to be removed from my credit score immediately. Thank you for your time and consideration. Sincerely, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2017 about Debt collection (Other debt) with ERC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The original creditor is XXXX XXXX XXXX. This account is in collection for all three credit  bureaus. The account was bought out by enhanced recovery group. I explained to them that i would seek resolve through XXXX XXXX XXXX but i never get anywhere. I tried last month in XX/XX/XXXX and also XX/XX/XXXX to pay them for what was owed on my account. The problem is they are charging me for equipment plus past due service balance which is {$900.00}. I would like to pay the balance but not the equipment charge because i returned the equipment. Everytime i call them they give me the run around, i have to wait on hold for hours and then i get switched from one representative to another, just for them to tell me i have to wait two billing cycles for them to investigate. I did that and called back after a month and they tell me the same thing. They claim they do n't have a record of me returning the equipment. They asked did i have a receipt of this. I 'm upset because this happened back in XX/XX/XXXX. No i do n't have the receipt, but i did return the equipment. I just want to settle this debt and be done with them. They continue to hurt my credit. According to my bank statement, I paid enhanced recovery back in XX/XX/XXXX for a debt showing on my bank statement. I will be calling tomorrow to see if it was for XXXX XXXX XXXX.XXXX They are charging me for equipment that i returned to them and i do n't think it is fair. They told me i need to have my receipt. I disagree. All of their equipment has serial numbers on them. They will know if i returned the equipment because the equipment serial numbers will be used by another customer if so. I just feel they are being rude giving me the run around and i want this resolved so this can be removed off my credit. I am trying to get a house and this does not look good on my credit. It hurts because they know i have tried calling to straighten this thing out. Supervisors/managers claim they would call back and never did. However, they continue to insist that i call enhance recovery instead. I am in desperate need of help..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: On XX/XX/XXXX, I received notification from the 3 credit bureaus that my loan balance with XXXX has increased from {$19000.00} to {$19000.00}. I immediately spoke with a representative at XXXX and was advised that I would need to file a complaint for the incorrect reporting. XXXX sent me a transaction history reflecting the updated balance of {$19000.00} for the updated balance for the at the end of XX/XX/XXXX. I requested for balance loan to be updated with the 3 credit bureaus and was  denied and advised to dispute the inaccurate reporting myself. Due to the inaccurate reporting it is negatively impacting my able to obtain credit.

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 12/21/2015 about Student loan (Non-federal student loan) with ACS Education Services (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have mostly federal loans but I have a private loan as well. After graduation, my loan was assigned to XXXX XXXX. That was a great agency. The representatives were always helpful and explained things in detail. My account was then switched to ACS Education Services. I have experienced numerous communication issues with ACS. There is always a lag time between when I submit documents, the acknowledgment of receipt, and processing those documents. On XXXX XXXX, 2015, I resubmitted my Income Based Repayment application because of an error that I made. My payment date XXXX XXXX XXXX ) was approaching and I called on XXXX XXXX for the status of my application after checking the website. I was told the application had not been processed and was offered a temporary forbearance for my XXXX payment. I accepted that. I waited a couple of weeks and called XXXX. I was told my application was processed and approved XXXX XXXX. I did not receive notice of the application approval and was told the application was no longer useful because of the forbearance. I asked the agent, XXXX, if I needed to resubmit the application. She told me no and that she would resubmit it on my behalf. I waited and did not receive any correspondence from XXXX nor was anything updated on the website. On XXXX XXXX around XXXX p.m., XXXX called me ( I found this unusual ) to tell me that I needed to resubmit the IBR application that she originally told me I did not have to submit. I asked her why there was not clear instruction when I specifically asked and what I should do about my XXXX payment. My account was placed in forbearance again " as a courtesy ''. I resubmitted the XXXX application again on XXXX XXXX via fax. I have a fax confirmation. I checked the website XXXX XXXX and received a message that I should check XXXX XXXX. I checked the website on XXXX XXXX and called. I was informed by the representative that my paperwork was received but that it was still pending. I have not received any correspondence or communication from XXXX. I am beyond frustrated because I have had to spend a great deal of time trying to pay the money I owe at a rate that I can afford. ACS is difficult to deal with, has a poor website, and communication is lacking.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: XX/XX/XXXX I went to my local branch of the Bank of America to cash in some cashiers checks we had been holding onto. It was {$14000.00}. I am XXXX and my wife is XXXX and that money is all we had, our life savings. I am a XXXX Veteran XXXX and my wife is also XXXX. 
As we went to cash them the bank said to us that they had to hold them for a few minutes while they called someone. We were told to go home as they had n't received the call back from their superiors. The next day we still had heard nothing from them. We went to the bank again the next morning. The manager, XXXX XXXX, continued to tell us he had to speak to someone to ok our transaction, and that everything was ok .... we just had to wait. On XX/XX/2016 he called us and told us our money had gone to the state. He said he had to send it address unknown because they did n't have our address. We 've been banking there for 14 years! 
I called the California State Controller. It is a law that we are to receive a 30 day notice before the bank can take our property. We did not receive 30 day notice from the bank. 
That is my issue. We did not receive proper notice from the Bank of America on XXXX XXXX XXXX XXXX, XXXX, CA.

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 05/21/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Delinquent account

Complaint: Dear Sir/Madame, During period of XXXX to XXXX, I had an account with Bank Of America ( BOA ) and also had an associated Credit card with them. I have been very disciplined with my financial affairs to date and never had any history of even late payments towards any bills. I left XXXX for good in XXXX, to my home country as my working visa got expired. Also I closed my BOA accounts in XXXX XXXX. 

As per my understanding, the associated credit card also would have got closed.There was absolutely no indication from the bank that the Credit card needed to be closed separately and that it does not go along with closure of my main bank accounts. However, it looks like it did not happened. 
An auto renewal cost from XXXX got applied to my credit card on XXXX XXXX which was quite unexpected since i had already sent in a request for closing the account with XXXX and received an email from them clearly stating that it had been closed way back in XXXX XXXX. 
Worst case being that i was unaware of this charge to my credit card since, the credit card statement was NOT Paperless and all intimation regarding the pending payment could not reach me, as I was out XXXX. Also, as my account was closed, I was not in a position to check the account status online. 

Now, I came back to XXXX on XXXX XXXX and opened up new Account with BOA. To my surprise, I see that there is a pending credit card payment of {$340.00} charged on me - towards Annual Payment charges and late fees. 

My contention is that, these charges being baseless and also, there was NO way I would have been aware of them, I am in no way to be considered as a " defaulter ''. Furthermore, there was no communication through email about any of these charges. Now, it has effected my credit report also very badly leaving me in no position to apply for a credit card or any other financial services from any bank for absolutely no discrepancy from my side. 

Talked couple of times with BOA Credit department, but as per them they could not help me in the matter.In the context I would like to seek following help from your end : 1 ] Reverse the pending charges and payments, for the reasons stated above and hence am not liable for the issue. 
2 ] My Credit Report needs to be refreshed by withdrawal of reported " default payments ''. 

Thanking You, Yours Sincerely XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX Equifax released a statement reading that a data breach at the company may have affected XXXX XXXX Americans, jeopardizing consumer Social Security numbers, birth dates, addresses and some drivers license numbers. Equifax also produced a website offering to check whether you were affected or not, when looking into this problem and submitting my information twice I was presented with two different answers : 1 ) You may be affected and 2 ) no answer. As a result I filed an initial 90 day fraud alert on my file with the Equifax, XXXX, and XXXX. Now I have to take time out of my day to vanguard against potential illegal use of my personal identifiable information because of the lack of security and best practices of Equifax. I have also called my credit card lines filing an initial 90 day fraud alert as well.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Mortgage (VA mortgage) with Shellpoint Partners, LLC (LA).
Issue: Trouble during payment process

Complaint: My home flooded on XXXX XXXX, XXXX in XXXX XXXX, LA. My insurance company promptly issued a payment for the damages to my home. The payment was issued to XXXX XXXX XXXXl / XXXX XXXX and myself. They first tried to tell me I MUST hire a contractor to do all the work and tried to tell me it was required in my mortgage agreement. I read my mortgage agreement and it is NOT Required for me to hire a contractor. After calling them on that lie, they released the first 1/3 of the money for the repairs. When I requested the first payment they tried to tell me they only had to release money for the repairs that have been completed. WHO are they to hold my insurance funds. They are making me beg and jump through all kinds of hoops to receive the insurance money they are drawing interest from while they hold. I have allowed them to inspect the house to see the repairs are being done, and this still is not good enough for them. I can only do the repairs until my credit cards are maxed out and then I have to BEG them to release the money so I can pay the credit cards so I can start charging again to get the repairs done. This is costing me more because I have to pay the interest on those credit cards. This company is ripping me off and I need someone to stop them and force them to release the money my insurance paid so I can get all the repairs completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Bliksum, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They called me all day and have now tried calling friends and even called an ex boyfriend.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: CAILBER HOMES LOANS WAS NOT HONEST ABOUT THEIR POLICY AND PROCEDURES REGARDING MODIFICATIONS..I REQUESTED A MODIFICATION ON XX/XX/XXXX THEY ADVISED ME THAT ONE OF THE QUALIFICATIONS TO EVEN BR CONSIDERED IS DEFAULT OF MORTGAGE PAYMENTS FOR 3 MONTHS ... ... CONSIDERING MY SITUATION @ THAT TIME I AGREED, ,HOWEVER I WAS TOLD THAT THIS WOULD NOT REFLECT MY CREDIT EXPECIALY SINCE I HAD NEVER ACQUIRED ANY LATE FEES ON LATE PAYMENTS SINCE I HAD BEEN WITH CALIBER HOME LOANS .I BELIEVE THEY DID THIS TO DISABLE ME, SO I COULD N'T GO TO ANOTHER MORTGAGE COMPANY THE PROCESS TOOK SO LONG THAT I PAID THE REARS IN XX/XX/XXXX IN FEAR OF LOSING MY HOME

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LENDING CLUB CORP (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Lending Club are currently reporting inaccurate late payments on my credit report ( s ), when they claimed to no longer have my account on XX/XX/XXXX, and that it has been sold to a company by the name XXXX, and i am to begin making payments to XXXX as of XX/XX/XXXX. 
I also filed chapter XXXX bankruptcy on XX/XX/XXXX.

Company response to consumer: Closed with explanation