milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Seen address, phone numbers and public record that are not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Consumer Loan (Vehicle lease) with WELLS FARGO & COMPANY (OH).
Issue: Problems when you are unable to pay

Complaint: I have gone back and forth with this company about fraud accounts in my name, and it force be to file for Bankruptcy to try to clear this matter ... ....

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 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX has filed inquires that were not made by me and sent to Equifax on the following dates -- - > XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have reached out to XXXX plenty of times and have even did all there instructions on writing a letter back to them to resolve this matter. Months have gone by and these items have still have not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Trouble during payment process

Complaint: XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span> hurricane Irma damaged our home financed by Mr. Cooper. They received insurance funds on XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span>.  We 've provided all the requested documents and called them almost daily but they still have not released the $ XXXX needed for home repairs. Each time we call it 's the same conversation as if they are reading from a script, " we apologize for the delay, I will request that be expedited immediately, you should have a check within 5-7 business days. '' Each call taking an hour on average but longer if you insist on speaking with a supervisor. I 've complied with their 15 page procedures and set up account on XXXX as advised, but they are delaying and delaying. We 've had to go to a local bank and borrow money to begin repairs in order to prevent additional damage to our home. We 've called Mr. Cooper twice to complain about it 's loss claim department, no one returned the first call and the second customer service rep transferred me to the department I was calling to complain about. We 've submitted a formal complaint and are waiting to get a response back. It 's an awful thing to have your home damaged and then to be victimized by your mortgage company like this is unimaginable.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Mortgage (FHA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I made a mortgage payment on XXXX XXXX, 2015 in the amount of XXXX. I paid on the XXXX primarily because I was in the process of closing on a refinance and the loan officer did not want me to past the XXXX days. On XXXX XXXX, 2015 I was notified that I failed to make my mortgage payment and was now XXXX days past due. I spoke with a supervisor by the name of XXXX and explained that made a payment, but was told that my payment was XXXX short due to an escrow shortage that they applied to my account effective XXXX XXXX. 2015, so even though they cashed my check they did not apply it and would report my account XXXX days late. I explained that there were issues with escrow, that I had requested statements which I had not received but that most important, I was in the final process of refinancing my loan, WITH THEM, and was told both verbal and written that the escrow issues would no longer be an issue with the new loan and I start over. I was literally scheduled to close in XXXX days, only waiting for final payoff. XXXX XXXX took my payment for XXXX and said she would forward request for credit adjustment. Btw I had received only XXXX notice re escrow, called and asked for previous years escrow accounting because mistakes had been made XXXX made XXXX payments for homeowners ) but never received it. Bottom line, there should never be a reason a person is reported XXXX days late on a mortgage payment for a XXXX escrow shortage. Money that sits in an account and in an amount so insignificant. I will rethink refinancing with this lender but in the meantime, I need my escrow account audited and my XXXX day late to be corrected. At a minimum I have not been adequately informed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've been getting several alerts in regards to me applying for credit with various companies that I have n't applied for credit with. I contacted TransUnion and explained about the inquiries that I did n't authorize. I was told that an investigation will be done. However, I have n't heard from them and I want these inquiries to be removed immediately. I was recently working with XXXX and after I was n't satisfied with their services I ended the relationship. Every since then I 've been getting inquiry hits after hit. I have a fraud alert since I am a victim of identity theft and none of these companies have called me to confirm if these are in fact me applying for credit as I have requested. Please find the screenshots and the listing of the inquiries below. 
1.XXXX-XX/XX/2016 ( Have Proof From Company That Inquiry Should Be Removed ) 2.XXXX-XX/XX/2016 3.XXXX-XX/XX/2016 4.XXXX Card XX/XX/2016 5.XXXX- XX/XX/2016 6.XXXX-XX/XX/2016 I 'm requesting a security freeze since the notice on my bureau is n't being honored.

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 03-08-2016 about Debt collection (I do not know) with Curtwright & Klein, LLC (NY).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: The continuously call me at work, which connects you to an IVR that states, " I 'm calling in regards to an issue very recently filed within our office involving your name and social security number ''. Either hit " XXXX '' or call XXXX to speak to a representative. I hit " XXXX '' and a rep came stating he was an attorney and needs to verify my name and social security number. I refuse and ask what it 's all about. The gentleman at the other ends becomes belligerent and threatens to sue if I do n't clear up the matter at hand. Yet he does n't state what it 's about unless I give my name and ss #. The caller ID shows either XXXX or XXXX, which is a spoofed phone number. XXXX the XXXX number shows it 's a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on X/XX/2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 )

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Billing disputes

Complaint: On XXXX XXXX and XXXX XXXX, 2015, I accidentally made duplicate payments on my account. The duplicate payment was applied to my Pay Over Time balance. After some difficulty, I was finally able to have XXXX payment reversed. However, the reversed payment was added to my minimum balance due XXXX XXXX, 2015, meaning that the payment was never really reversed ( now I 'm expected to repay the payment by XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FC HoldCo LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 've had nothing but problems with this company since I established a car load with them 2 years ago. The most recent, I have been trying to log into their payment portal for three days and kept getting error messages. I also tried to make a payment using the electronic phone system and kept getting the message " you are not set up for electronic payments ''. I finally reach someone today, and and 20 minutes on the phone they corrected the problem. I also made a payment, but this put me 31 days past due. I asked them please not report the late payment to the credit and they told me " there are other ways to make a payment ''.

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 09-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: XXXX would not honor an offer to credit {$50.00} back on purchase of {$250.00} or more at XXXX. The XXXX offer is titled XXXX XXXX XXXX XXXX Spend {$250.00} or more, Get {$50.00} Back. Click once on the offer in the XXXX app and the text above is repeated. It also mentions 'Multiple Locations '. The same page states, ' ... after you pay for your stay with XXXX XXXXXXXX XXXX XXXX from XXXXXX/XX/2017. Book directly with XXXX XXXX XXXX XXXX ... '. Still no mention of it applying to any specific brand only. The XXXX Rep stated it was for XXXX XXXX. 

No mention that XXXX is excluded as of yet. 

There is a map on the same page. It highlights XXXX locations in my current proximity. Neither of those highlighted are embassy suites. They are both XXXX branded. 

Only when I click on the full terms do I see any specific brands listed. It excludes every XXXX brand I can think of, XXXX XXXX too! 

Excludes XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX by XXXX, XXXX - XXXX XXXX by XXXX, XXXX by XXXX, XXXX XXXX by XXXX, XXXX XXXX by XXXX, XXXX by XXXX, XXXX XXXX XXXX, XXXX by XXXX, XXXX XXXX by XXXX, XXXX XXXX by XXXX and XXXX XXXX XXXX. 

List of XXXX brands from their website : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Fein, Such, Kahn & Shepard, P.C. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Fein, Such & Crane LLP are debt collectors claiming to represent another debt collector XXXX XXXX XXXX XXXX as an alleged Trustee of a REMIC. The consumer is being terrorized civilly not only by the debt collectors named above, but by the Tribunal, Supreme Court of New York XXXX County. Fein & XXXX are maliciously and abusively prosecuting an illegal debt collection action styled as a Foreclosure in state court. The consumer has issued several Notices and Demands all under the FDCPA, federal consumer laws. Both debt collectors are ignoring each of those communications by the consumer and creditors and continue to violate the FDCPA. My consumer goods obtained for personal, family and household purposes, such as my private home is attempted to be illegal confiscated by these XXXX unknown debt collectors. The CFPB has made clear the rules and regulations, with clear interpretations to consumers regarding its use. Fein and XXXX are engaging in illegal, fraudulent, and abusive debt collection against this consumer. Fein and XXXX was ordered to " obtain verification '' ( sworn and under penalty of perjury ) and proper " validation '' from the alleged original creditor supported by Original Loan Level Documentation. If Fein and XXXX complies strictly with the FDCPA, it will obtain the verification of the Rescission, TILA and the fact that " no debt is owed. This of course is based on the fact that Fein and XXXX are enforcing a legitimate debt which originated from a legitimate transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Auto debt) with URS Holding, LLC (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XX/XX/XXXX, after 36 months of payments, I returned my car at the end of its lease to XXXX XXXX XXXX XXXX, Nevada, and exchanged it for a new one. The dealership asked for both keys for the car I was returning. I said I only have one because the other one was stolen. The dealership asked whether I could produce a police report. I said yes and sent them a police report clearly showing the XXXX key among the items stolen. The police report is attached. They asked if I was reimbursed for this and I said no because my deductible was too high. The dealership ( XXXX and/or XXXX ) said that would be fine not to turn in the second key as I had a police report, and that all was taken care of. The car was returned in pristine condition and no other fees were charged to return the car. 

Several weeks later, in XX/XX/XXXX, I got a bill from XXXX XXXX for {$400.00}. I called XXXX to ask what this is for, and was told it was for a missing key. I explained the above situation to them, and they said fine, thank you. I returned the invoice to them with a note repeating the above as well and thus do not have the original invoice to give you. For the second time, I thought the matter was done. 

But no. I subsequently got a call from the dealership in perhaps XX/XX/XXXX saying that XXXX did not waive the fee after all, and they felt bad about that, and would I like to split the cost with them? I told them no, that the cost of a key to XXXX was nowhere near {$400.00}, that the new owner already had their new key, and they needed to honor their deal as part of my taking on a new car lease. 

In addition, {$400.00} is also grossly inflated. The value of the key at the time it was stolen ( XX/XX/XXXX ) was reportedly {$220.00} according to the XXXX dealer ( invoice attached ) plus {$65.00} to rekey. 

I am now getting threats of collection from XXXX ( letter attached ). I have emailed XXXX through my account on their website and told them if they do not honor their agreement to waive the fee for the missing key, which clearly does not cost them anywhere close to that, that this would be the last car any of our family buys or leases from XXXX or XXXX. I told them hassling me over a missing key is not a way to take care of customers who have made thousands of dollars of lease payments on time for nearly four years now. I have not received a response. I can't believe I am wasting your time and mine over a key after now four years of on-time lease payments, but here we are. 

I would appreciate your intervention in getting XXXX to honor the dealership 's agreement to waive the fee for the missing key and stop hassling me with threats of collection activity. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: They continue to send me bills in regards to this debt in addition they are reporting this debt incorrectly. This debt was discharged in bankruptcy and is still being reported as open. I have called them and sent a letter to no avail. I want the harassment to stop as well as my credit reported corrected.

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 03/26/2015 about Debt collection (I do not know) with The CBE Group, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The phone number calls me at least XXXX times a day everyday, then starts to call me from a different phone number right after the XXXX call. They never leave message. XXXX call is always around XXXX and I get calls all through out the day with NEVER any message. When I look up the number it says it is a collection agency CBE Group.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   XXXX  used a hard inquiry on my credit report. I do not have a  XXXX  account.   However my name is associated with my mothers account and I changed from  XXXX  to  XXXX  and there is no reason for them to have run a hard inquiry on my credit.   In fact after cancelling the account she had no contract they still took money out of her account for the next month when the service had been discontinued. The service however is under her name and she pays for it. So again there should be no reason  XXXX   XXXX  filed a hard inquiry under my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2017 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: To whom it may concern ; I do some banking with US Bank in XXXX XXXXXXXX XXXX. I usually use it to pay some bills online. Today I went online to discover that my checking account had {$700.00} in it that I had not deposited. I then saw that there was a monthly maintenance fee which is always put on and then waived that same day. I really do n't know why they bother since it 's not a real charge. I noticed that this " fake '' charge had put my checking account {$1.00} in the red. I then saw that the {$700.00} had been taken from my XXXX XXXX credit card as a credit charge against my card. This was termed " overdraft protection from card ending in XXXX ''. This was NEVER authorized by me, nor was I informed about it. Also, I had already deposited {$100.00} on XX/XX/XXXX and this {$700.00} was n't posted until XX/XX/XXXX, over two weeks after the 'on paper only overdraft ' had been posted on XX/XX/XXXX. I feel that not only is invoking overdraft for a 'technical ' charge unfair but the amount is absurdly excessive. I also had more than enough in my savings account with them if the felt they had to cover it. I called their branch office to tell them to take the charge off of my account and was told only the manager had authority to do this. I am very upset about this business practice. I was never told when I was encouraged to sign up for overdraft protection that they would do this to me. On a personal note I am dealing with a serious health crises which will put me in the hospital for several days this week. This is the last thing I need to deal with. I do n't want this to happen to me or anyone else again. 

Thank you for your attention to this matter, XXXX XXXX ( XXXX ) ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (Credit card) with Retention Consulting Services Inc. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I called the office to verify why a courier was being sent to my home. Their office informed me that I owed XXXX companies in their office money and that if I didnt pay they would get a judgment against me and get more money than I owe. I let them know that I am XXXX and that I was waiting for a hearing the early part of next year to get an income in so I could pay them but they stated that my refusal to pay now will cost me.they told me to borrow the money and pay them now.

Company response to consumer: Closed with explanation