milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: the above case # is for Transunion. It seems I have to file a complaint for each credit reporting agency. 
I filed a chapter XXXX bankruptcy in XXXX 2013. My mortgage through XXXX XXXX was reaffirmed, as well as my home equity line through XXXX, and my furniture payment through XXXX XXXX XXXX. I have continued to make on time, full monthly payments to each of these companies and noticed that they have not been reporting to the credit agencies. I have provided the documents of the bankruptcy reaffirmation agreement, as well as the history of the payments made to these company 's over the last years to all XXXX credit bureaus and each XXXX of them come back with missing information on their investigation, some do n't even address the XXXX accounts I have listed in my dispute, others have other companies instead like XXXX. It is apparent that these companies do not doa thorough investigation of my dispute. They ca n't even get the account correct, let alone I don ; t believe anyone even bothered to look through the files I sent them of the proving documents to show they were supposed to be reaffirmed, as well as my payments being made that are not being reported. I 'm trying to rebuild my credit, and this is not fair that my payments are n't being reported, and no one is taking the time to do their job properly. 
PLEASE HELP!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Bank account or service (Checking account) with Comerica (MI).
Issue: Making/receiving payments, sending money

Complaint: Over {$63.00} was taken from my Comerica checking account, without authorization from a company called XXXX XXXX XXXX. No authorization was given for this to take place. 

In addition Comerica has taken another {$13.00} from my checking account without my authorization and despite providing all necessary information to the company needed for a " free checking account '' ( an account with no fees ). Totaling over {$78.00} this year alone. Furthermore, Comerica has deliberately, failed to provide me with monthly statements in previous complaints against the bank this year, however, sends me a monthly statement for XXXX 2016 to XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CONSUMER PORTFOLIO SERVICES, INC. (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There were suspicious hard inquiries about my credit that I did not authorize. It happened XX/XX/XXXX and XXXX. I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast 7 hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXX car dealership in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX off right now at the same time and I wan na take this in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (Non-federal student loan) with National Enterprise Systems, Inc. (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I contacted the debt collector on XX/XX/2017 to try and work out a payment plan. The amount that was asked for was too high for me to pay. The agent mentioned that I had twenty four hours to come up with an answer or he will tell the original private loan company ( XXXX ) that I am not willing to work with them.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2015 about Credit card () with U.S. BANCORP (MA).
Issue: Rewards

Complaint: US Bank XXXX XXXX Visa Card 's marketed a number of benefits when you pay the annual fee to have the card. The primary XXXX being a free reward night whenever you redeem points for XXXX or more nights. They are removing this feature today, with short notice. They are n't offering any compensation, nor extending the benefit to the renewal date. Forcing me to use all my accumulated benefits prematurely or risk losing 25 % -50 % of their value.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Affiliated Acceptance Corporation (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Affilliated Acceptance is a collection company that had tried to contact me in order to have me pay a debt that I was unaware of, thanks to having a gym membership that charged to a card that was closed for fraud activity. I had also cancelled said gym membership. Despite this, the gym continued to attempt to charge me for several months ( without contacting me for anything ) before finally pushing to collections through A.A. This collection company never reached out to me about this entire process. They never tried contacting me via mail, or phone or email, for months, until I found their account on my credit report months later. Upon notice of my outstanding debt, I called them that day, and I paid it on my next paycheck. After speaking to the company about why I was never notified about why I was never contacted regarding this debt, they explained that they had the wrong email address for me ( they had put the letter " XXXX '' instead of the letter " XXXX '' ) and all contact was sent to an email that was n't mine. Before this event, I had never missed a payment on any account, and had a perfect track record of on time payments. My score dropped substantially, and all of my financial plans have been brought to an abrupt halt.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX loans through Great Lakes that are in repayment, aquired while a student at XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX, WI. I have been making regular payments on the XXXX of each month for a number of years. On XX/XX/XXXX I made an extra payment online. The website clearly stated that after regular payments are made I can specify funds minus outstanding interest to be allocated how I specified. However on XX/XX/XXXX when I logged in to my account I see that the extra payment was divided between my XXXX loans. I called the service representative who told me that the " billing cycle '' starts the day after the regular payment is made and any payments after that day are applied as regular payments first, then the remaining amount it applied as an extra payment. She informed she could not change how my payment was applied. I requested to speak to a supervisor, which I did. The supervisor again reiterated that their policy is that the " billing cycle '' starts the day after the regular payment is scheduled and any payments made after that day are applied as regular payments first, applied to both loans, then any remainder is applied as an extra payment. Despite my insistence that my regular payment was not due for several more days and so the extra payment should be applied as such she informed that their policy had change recently to reflect the current " billing cycle '' policy. She informed me " no one can change the policy '' or change how my payment was applied. She also stated she had received multiple complaints regarding this policy. 

I would like to note I am aware that extra payments are applied to interest first. I am not disputing that the funds were applied to interest, but also applied to principal of the other 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 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: Transunion has not been reporting information sent to them from my credit agencies, XXXX XXXX which on my report is XXXX XXXX XXXX XXXX also known as XXXX XXXX is being reported to.the other two bureaus XXXX and XXXX as of XX/XX/2018, Everytime there is information sent to the bureaus transunion time and time again does not and is not reporting information being sent to them

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 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have an agreement with XXXX that they would remove late payments on all closed accounts. Credit reporting agencies refuse to remove late payment information despite being provided with a letter from XXXX asking them to remove. This information gets removed and then reappears.

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 11/20/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (SC).
Issue: Shopping for a loan or lease

Complaint: We were turned down for a loan by Ally Bank for an RV. 
Our credit score was over 800, we own our home, and never missed a payment. 
I suspect age discrimination. We are retired. 

Another lender approved our loan.

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 07-03-2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (NV).
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint: I thought I had an active checking account with BBVA Compass Bank. On XXXX XXXX,2017 I cashed a check for someone Ive known 30 years. However, the check was no good.On XX/XX/XXXX, I recieved a letter from the bank telling me my account had been blocked anmd I had 10 days to bring it out of the negative and to contact my local branch. I called the 800 number and told them the closest branch was over 120 miles away in Arizona and I could n't put the money in until my social security was deposited on XX/XX/XXXX. they said fine. On XX/XX/XXXX, I recieved a letter saying in adition to the {$12.00} charge I was being charged {$25.00} more for my account being in the negative10 days and I needed to bring the account in the positive to retain my account. On XX/XX/XXXX, my social security deposited arrived at the bank. I called them they said they closed my account on XX/XX/XXXX that they were going to deduct their fees then i could go to the local branch in 10 days to get the rest of my money i explained how far the branch was and they said they would keep it opened they told me to call them back Monday XX/XX/XXXX, on XX/XX/XXXX, i got 2 lettetrs from the bank saying their was a additional {$25.00} fee for the account beoing in the negative for 20 days and TO CALL THEM AND MAKE ARRANGEMENTS OR THEY WAS GOING TO CLOSE THE ACCOUNT. I called them Monday and asked why they would send me letters like that when they already closed the account. They said it wasnt their department and I had to wait 10 bussiness days for them to send my direct deposit from one side of the bank to the chargeoff before they would refund the remainder of my money. i asked what happened about going in the branch and getting it. They hung up on me when I called back asking how they could take money on a closed account lie to me telling me they would keep it open and then send me letters saying it waS OPEN WHEN THEY KNEW THEY HAD CLOSED OIT THEY TOLD ME THEY WOULD MAIL ME THE REMAINDER AFTER THEIR FEES WHEN THEY GOT AROUND TO IT I SAID THEY HAD CHARGED ME TOO MANY FEES BUT I COULDNT POINT THEM OUT BECAUSE I COULODNT SEE MY ACCOUNT THEY SAID I HAD TOP TAKE THEIR WORD ON IT AND THEY HUNG UP ON ME

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Bought a car from XXXX XXXX XXXX XX/XX/XXXX. Paid on the car for a year and it had serious mechanical issues so traded the car in at XXXX XXXX for loan with XXXX. XXXX has pulled hard inquires on my credit every 3-6 months since I 've traded the car. And recent found that the published my full ssn address dob and other personal docs on a public site where anyone can search and just look up my information. They pulled my credit again XX/XX/XXXX. Not sure why this company is still pulling my credit and reporting incorrectly on a traded car. I 've made calls and get the run around or say someone will call back no one calls back. So I 'm unable to find out what 's going on with this company. Never reported one payment I made and new dealership should of closed the loan. If not where is the car and why does it still show I owe over the balance of the original loan with them. Can provide web search where it has company letter head my personal information on request. Also able to provide credit reporting on request.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Application, originator, mortgage broker

Complaint: Since Nationstar did not comply to my previous request, I would like to add to my previous complaint ( XXXX ). Please, se the attached letters. CFPB is welcome to publish them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX XXXX XXXX ( Collection Agency ) has been reporting to the credit bureaus and they are not licensed or bonded in the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/2016, HSBC Mortgage ( or their subsidiary, XXXX ) issued a check to their third party vendor, XXXX XXXX XXXX for the payment ( {$1500.00} ) of my property taxes. Eleven days later ( XX/XX/2016 ), I sold the property, and was required to pay the property taxes ( pro-rated ). The funds from this transaction ( the amount I paid at closing ) posted XX/XX/XXXX, and I began contacting HSBC shortly thereafter to begin requesting my refund. The XXXX County Tax Department confirmed they never received a payment from XXXX or HSBC. 
Despite weekly calls, escalation to supervisors, and countless promises to " expedite '' the handling of my request, I have yet to receive any funds. What 's worse, because of the heavily automated processing of refunds used by HSBC, although they can confirm they received a refund from XXXX on XX/XX/XXXX, they can not tell me ( a ) where the funds are now, ( b ) when I should expect to see them, or ( c ) the name of a human who can issue a check. 
My belief is my rights are being violated in much the same way as those who lost their homes during the Great Recession due to banks heavily automated processing of transactions, in that case, foreclosures. This is a substantial amount of money which is essentially being " held hostage '', with no release in sight. Being without this money owed to me has caused me to ( a ) miss out on investment opportunities, ( b ) spend countless hours on the phone with individuals from HSBC who claim to be " powerless '' to do anything. It is my contention that no refund process should take this long, and XXXX ( for having unreasonably long processing times to issue payments/refunds ) and HSBC are profiting from having my funds at their disposal. 

*Disclaimer : The servicing of my account was transferred to XXXX on XX/XX/2016. However, the aggrevating factor and salient point here is HSBC has failed to issue a refund to either me, or to XXXX as of this writing, so I do not feel XXXX is culpable int this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WI).
Issue: Loan modification,collection,foreclosure

Complaint: This is a follow up to Complaint against Wells Fargo number XXXX for purposely harassing me, lying, and ignoring foreclosure proceedings in order to secure as much money out of my pocket as they can.w-up to case. XXXX/XXXX/XXXX. Finally ending around XXXX/XXXX/XXXX. Thanks to you Wells Fargo agreed to take the 3 month sale option under Wisconsin Statute 846.16 ( 2 ) instead of having to wait 1 year to sell my property.I have copies of all mentioned below from Wells Fargo lawyer XXXX, XXXX XXXX XXXX XXXX, XXXX Wisconsin. They filed for foreclosure XXXX XXXX, XXXX. The home at XXXX XXXX XXXX XXXX was sold XXXX XXXX, XXXX to XXXX XXXX for {$37000.00} ( 44 % of assessed value {$86000.00}. Plaintiff will not apply for personal judgement against Mortgagor. It states approximately five times plaintiff not seeking deficiency judgement. All of a sudden in XXXX XXXX i received a subs XXXX XXXX Aquisition or Abandonment of Secured property form from Wells Fargo stating that this form was sent to the IRS. When my tax people looked at it they refused to do my taxes. It states that they were told of the abandoment home on XXXX/XXXX/XXXX in truth I called them in XXXX XXXX and was given verbal permission to leave my home by Wells Fargo. They later denied knowing anything about this. It says I owe {$100000.00} and the assessed value of the home is {$140000.00}. In truth it was assessed at {$86000.00}. The box is checked that I am personally responsible for this entire debt. I called them a week ago. After 2 hours I finally got someone to fax THEIR attorney letter to and I have heard nothing. Is there anyway you can help me. This is totally fraudulent form. I can not get a hold of anyone at the IRS. Thank you so very much. XXXX XXXX. ( Wells Fargo account # 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 10-12-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am forced to complain once again about Equifax 's unacceptable result of investigations of my previous complaints in XXXX and XXXX. Judgmengt still on my record, only as " satisfied ''. It is not correct as it was REVERSED and as such rendered void. Furthermore, initial XXXX 2014 judgment with with case ID # XXXX was dismissed. XXXX and XXXX deleted this record while only Equifax still reports it as satisfied/released. I demand that Equifax immediately removes this public record.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
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: Transunion replied to my complaint number :  XXXX . In their response they stated that   XXXX    XXXX   XXXX  account numbers :  XXXX ,  XXXX ,  XXXX , and  XXXX  reflected  XXXX  balance, dated close of  XXXX   XXXX  which is not true. It really concerns me even more that Transunion do n't investigate a through investigation and really look at my report. It clearly shows that as of today  XXXX / XXXX / XXXX    XXXX   XXXX   is showing I owe {$50000.00}. Which is n't correct! Please update my account to   XXXX   since Transunion is stating that my current account shows this balance. This account shows the same date as Transunion response  XXXX   XXXX ,  XXXX . This is at this point a fraudulent account. Please delete this account. The attached report is update to todays date of  XXXX / XXXX / XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Closing on a mortgage

Complaint: After 12 years since we sold house, bank send bill for {$10.00}. when I called they have no explanation for what and they not sure if they will not bill more again. This account was HELAC we closed 12 years ago. Since then we been never contacted by 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 12-02-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CT).
Issue: Using a debit or ATM card

Complaint: After being a loyal customer to chase bank for 15 years several accounts credit cards etc never a missed payment never a fraud claim until now. Got fraud on my debit card in a hotel in XXXX where i stayed in XXXX and fraud was done in XXXX. Chase sides with hotel that produced forged documents from the fraud. I have proof i was working in XXXX the days in question and XXXX dollar chase bank is gon na side with XXXX hotel rather than 15 year loyal customer for mere XXXX dollars a month before XXXX the hard working middle class man

Company response to consumer: Closed with monetary relief