milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I never authorized ( inquires not associated with the opened accounts ). Identity fraud victim.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (NJ).
Issue: Problems when you are unable to pay

Complaint: I bought a XX/XX/XXXX Volkswagen Passat it was financing at credit acceptance the price was {$10000.00} it gave so much problems I believed XX/XX/XXXX I called them to repo the car and they sold the car and they want to pay the rest for {$6000.00} it 's really hurt my credit I ca n't even buy another car

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 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: Public record information inaccurate

Complaint: I contacted TransUnion to withdraw the released/paid tax lien from my credit report and they refused. Although XXXX has removed it upon dispute earlier this year. Not sure about XXXX. There is no balance of {$1300.00}, as shown in the photo provided. Nor is my name listed with the XXXX XXXX XXXX XXXX as oweing a debt. That photo is also attached. The lien is impacting my ability to secure better interest rates on needed credit approvals for XXXX XXXX for needed dental procedure, auto re-financing which is currently at 17 %, and my future home purchase, as my current landlord is selling his property, and not extending my lease. That occurs in 8 weeks. Please, That 's a lot of financial obligations going on all at once. This lien impacts my future heavily, and its been paid off for 4 years. Due to these reasons provided, I would like the lien withdrawn from TranUnion and XXXX ( if it 's also listed there ) immediately. 
Regards,

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 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: status of my account is showing that it was written off for {$610.00} dollars and the account was paid in full and the status is not showing paid in full on my credit report

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 12-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: On several occasions I have send a request for Credit Report along with a copy of new address, Gov, I.D . Copy of Bill, Copy of letter with address from the V.A. They keep sending me the same letter as if they had not received it all. I send the last copy regristered and i recieved the same old froam back. It 's been years going through this. But they keep giving out low score 's which I have not used credit in years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My XXXX charge card was apparently 60 days late it was reported to all 3 credit reporting agency 's as delinquient which in turn caused my credi score to go down significafantly. I contacted XXXX department store and made payment arrangements to bring the account current. I explained that kohls would ask for a payment for 2 months in advance. I usually just pay all my credit cards once every month. I explained to the rep that I do not like to make 2 months payment in advance as this is causing me confusion being I am under the impression I am paid for the next 2 months. However I was told on sunday XXXX/XXXX/XXXX that I was given wrong information. I made 3 payment  arrangements to bring the account current. I was concerned about my credit reports showing this account as delinquent. The rep put me on hold and spoke to a supervisor and was told to dispute the delinquent charges being I made the arrangements and kohls will respond to remove the delinquient remarks and put my account as showing as paid as agreed. I disputed this account online just now with XXXX but was not able to dispute it online with XXXX and equifax as they say there system is down. I am submitting this complaint because I was given wrong information which in turn caused me to have my account go late when I was under the impression I was current. I am writing in hopes XXXX will hold to there word and remove the negative comments from all 3 credit reporting agency 's because it caused my score to drop by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: I was in the process of closing on my house. On XXXX XXXX, 2017 a hard inquiry came on my credit report with trans union. I have n't applied for no credit, I do n't need a car and this inquiry came on me. I got a notification from XXXX XXXX and when I seen it was from XXXX XXXX I went up there and talked to the business manager named XXXX XXXX and told her I did n't apply for any car loans. She then faxed a removal to trans union to number XXXX XXXX. I then written to trans union and they sent me a letter telling me about inquiries! I know what a inquiry is and need it to be removed.

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 04/27/2017 about Debt collection (Credit card debt) with Colony Brands, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XX/2015 -    XXXX   XXXX    { $290.00} written off and {$240.00} past due. The following agency is not bonded in Tx and can not legally collect debt. Please remove from my credit report and confirm that the debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I lost my home due to a fire in 2013. Wells Fargo Mortgage was given a check by my insurance company who is XXXX. Wells Fargo stated they would issue the funds according to the progress on the rebuilding of my home. My contractor was XXXX XXXX XXXX XXXX, but the checks were written To XXXX XXXX, who is the owner of the construction company, and myself. I kept telling Wells Fargo that something was wrong and hired an attorney to fire the construction company, but Wells Fargo said no. XXXX % of the funds to rebuild my house were issued to XXXX XXXX. Wells Fargo inspectors claimed my home was 65 % complete so I signed the check and handed it over to XXXX XXXX. Since then, three years have passed, and I have continued to pay my mortgage on a home that is still yet unlivable. I called the city of XXXX IN building department to review the work completed, and my home has not passed city codes for any trades men workmanship such as electrical, plumbing, framing, foundation, HVAC, plus my home was never red flagged by any one from the building commissions of the city of XXXX.I have found someone who can fix the problems, but Wells Fargo & XXXX refuse to release the remaining funds. Wells Fargo is still holding XXXX and XXXX is holding XXXX. The work needs to be done before winter and I ca n't get either company to release my own money, as I keep paying my mortgage. I ca n't pay indefinitely without any hope of going home.Wells Fargo has given XXXX different completion results since work had stopped last year,XXXX % XXXX % XXXX %? How, can my home be XXXX % complete, there is no perimeter foundation, framing has been done incorrectly. The contractor cut into the support beams to run the plumbing, which has compromised the integrity of the build. I ca n't continue to pay on a house that I ca n't live in. The funds that I was receiving for loss of use are long gone. I have n't been able to get anyone to help me resolve this situation. The contractor is no longer on the job, and has n't been for some time. He took the money and ran. I have asked for an accounting of the funds that he was given and to date, have received nothing back. Wells Fargo wo n't help me, XXXX wo n't help me, and the contractor wo n't return my calls. This is a small home, but it was my home, all I want to do is go back home. There is still some money to being held, which I feel could get me back into the shell of a home, with heat and walls and correction to the frame and foundation. I am turning to you for help!

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 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had an agreement with XXXX XXXX XXXX that if I paid the debt in full, they would have it removed from all three credit reporting agencies. I reviewed my credit reports on XXXX/XXXX/XXXX and the account remains on the credit reports. I disputed the items and also called XXXX XXXX XXXX and spoke to XXXX. She stated that the account should have been removed from my credit reports because the company had instructed the credit bureaus to remove it. She stated that I needed to contact the credit bureaus to have them remove it. She said she would send me a letter via email to the credit bureaus stating that it should be removed. I still have not received the email containing the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Credit card () with CITIBANK, N.A. (AR).
Issue: Closing/Cancelling account

Complaint: I refinanced my home at the end of XXXX. Some of the proceeds from the transaction were used to payoff a credit card. The title company disbursed funds to payoff the credit card. The title company 's escrow check has cleared their account but the credit card company has n't posted the payment to my account. I called the credit card company with the title company representative on the line XXXX. Each time, they asked the title company to fax a copy of the cleared check and my account number to them ( a different fax number each time ). The title company has fax confirmation that both faxes went through XXXX one on XXXX/XXXX/15 and the other on XXXX/XXXX/15 ) ; however, the payment has n't been applied to my account. We called the credit card company again today and still have n't reached a resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/22/2018 about Checking or savings account (Other banking product or service) with ALLY FINANCIAL INC. (TX).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I have an urgent issue on Ally Bank bill pay that must be escalated for help. I am an Ally Bank customer and used your bill pay service to pay two bills ( one to pay for property tax, while the other to pay for XXXX fee ). Both bill pays were requested from my Ally Bank online account on XX/XX/XXXX. Based on the bill pay record, the checks should have been mailed to both payees in two separate mails on XX/XX/XXXX and should have been delivered to payees on XX/XX/XXXX. 

However, so far the checks sent from your Bill Pay department have NOT been deposited by payees yet. I am wondering if your Bill Pay department did mail out the checks to the correct addresses or maybe they forgot to mail out the checks yet. 

Because both bills are due by XX/XX/XXXX, the payment checks must be received by both payees no later than XX/XX/XXXX. Therefore, I request your Ally Bank to confirm with their Bill Pay department to verify if both checks have already been mailed to the correct addresses of both payees on XX/XX/XXXX. Meanwhile, I request Ally Bank to provide me the check numbers of both payment checks. So I can ensure that the checks have indeed been mailed out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Debt collection (I do not know) with Direct Capital (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Keep receiving telephone calls from debt collectors for a person with the same name, but different SSN and date of birth. 

Received calls from XXXX XXXX/Direct Capital ( # XXXX ) and from an unknown caller ( # XXXX ). 

I never received a letter regarding a debt collection, but continue to receive telephone calls.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 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: Account status incorrect

Complaint: I was a victim of the 611 of the Fair credit act. This states that anything deleted and then re-inserted on my credit report needs to be followed by a 5 day notice from the credit bureau. I was a victim of this an issue that occurred with TransUnion. Basically I my inquiries were deleted from my account and then they were added back to my account without any notification. By law I need to be within notified 5 days mail. I did not receive any notification. I am a victim of this issue. I called the Transunion customer support on XX/XX/XXXX and informed them that they need to remove inquiries below, in order to conform to Section 611 Victims. Inquiries in question are below : -- -Inquiry details -- - XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX   XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX - Inquiry from XX/XX/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 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX   XXXX    continues to report that I have an open account and that payments are incorrect. I have already signed a legal document that states the mortgage and dead have been surrendered to   XXXX   XXXX  .  XXXX  already shows the corrected information that matches the legal document, yet trans union is still receiving incorrect information. All documents have been filled with the court system.

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 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I was going over my credit report and I noticed some public records that are not accurate from  XXXX   XXXX   XXXX  DOCKET #  XXXX  and OHIO  XXXX  COURT  XXXX  DOCKET #  XXXX . At this time I will also inform you that the continue to report invalidated information to any of the  XXXX  major credit bureau s (  XXXX , Experian,   XXXX   XXXX   ), th is action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.   I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.

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 09/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I Paid USAA XXXX for a credit card payment electronically ( initiated from USAA ) from my XXXX XXXX Checking account. The amount cleared my bank onXX/XX/XXXX2017 and shows it being deposited to my account in USAA Credit card. The Credit Union will not release the funds until XXXX or XX/XX/XXXXto credit my account, because, as the executive problem resolver informed me, " Your funds are being held up by the Federal Reserve ''. They could not give me any formal written policy that says that this is allowed with my Credit Card Agreement. The Federal Reserve informed me that they " do n't hold funds '', and told me to contact this agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (MA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: As a mortgage holder of loan product from XXXX XXXX XXXX/XXXX that was so risky I had real hardships and struggles for close to five years until abput 2011. Not one loan modification program as subsidized by the government was allocated for my relief and it surely wasnt for lack of asking. I have to assert this time though that XXXX XXXX XXXX allow some principal reduction or forbearance with my toxic mortgage loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Advertising and marketing

Complaint: I opened a credit card with Bank of America this summer that offered a {$100.00} bonus if you made {$500.00} in purchases within the first 90 days of opening. They are now saying that I do not qualify because the purchases were not made until after 90 days. The problem is that I did not receive and activate card until XXXX XXXX, 2015 and by XXXX XXXX, 2015 the {$500.00} requirement was met. However, they are saying the card was opened earlier ( ie they approved account in XXXX even though I did not receive and activate card until several weeks later ). I think this is a bogus promotion and the 90 days should n't start until the card is received and activated. I think it is unfair and deceptive as a consumer has no control over how long it takes to receive the card once it is approved. I think that Bank of America owes me the {$100.00} bonus as I met the terms of the promotion in good faith.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/15/2017 about Debt collection (Auto debt) with BB&T CORPORATION (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I called in   XX/XX/XXXX  to see w hat amount was needed to bring the account current. I was told I needed {$3800.00}. I called back about a week later and paid {$3800.00}. I 've made payments on time since I supposedly brought the account current. Now I 'm being told the account is past due {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On   XXXX   XXXX    2017 I no ticed my credit went from  XXXX  to  XXXX  with   XXXX   and from  XXXX  to  XXXX  with  XXXX  credit reporting agency. This is eroneous reporting coaused by  Capital One credit card. Capital one was erroneously   reporting that I was using between  12  and 29 % percent of my credit for the month of may. I only actually used 8 %. I spoke to Supervisor  XXXX  from  Capital one o n Sunday   XXXX   XXXX   , 2017. I as ked her to send a notification to the  XXXX  credit buruea reporting agencies. She stated that she would but I never received any email confirmation of this. Capital one created this mistake with the credit buruaes knocking my crddit down. I need this fixed ASAP as I am in the process of fianancing a Town home awaiting approval for a VA home loan. The mistake with capital  one occurred when they credited back my account for   {$200.00}, but wrongfully put this credit as a debit on my credit limit. Subtracting the the amount from my credit l ; imit instead of addin g to it. Total INCOMPETENCE!

Company response to consumer: Closed with explanation