milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/27/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: on XX/XX/XXXX i processed a payment thru my Bill to Pay in my Bank of America on line account and it should of been processed due to the bill pay calendar on the bill to pay XX/XX/XXXX i log in on the XXXX and nothing it did not process but there was no update of it that it was processing or pending failed decline etc ... .. so i went ahead because its the second time i encounter a problem with the bill to pay BOA i just instead went to the XXXX  and paid thru their website and in person because i cant trust BOA . so i always every single day log in to my online to make sure its all ok and nothing crazy happens or i get overdrafts or anything. Yesterday XX/XX/XXXX all day i had a balance of like {$690.00}. close to that amount and im mean all day because i even paid my cell phone {$350.00} at about XXXX or XXXX XXXX  and it went thru fine no problem.. all of sudden i wake up next day morning XX/XX/XXXX and im overdrawn {$1400.00} i was shocked it was XXXX how can this be. i check and its the first transaction that was suppose to get process on the XX/XX/XXXXaccording to the calendar in BOA bill to pay it got processed on the XXXX supposedly the bank and when i called first rep said that on the XX/XX/XXXXit failed because my account was short {$9.00} they didnt honer it i request a SUPERVISOR and she comes at me that the check gets mailed on the XXXX and its up to the XXXX when they decide to cash it and i just let it be bacause at this ponint ive woken up everyone at my house with the screeming and yelling. with BOA you will never win a customer will always be responsible i didn't belive a word she said and i was also due to that charge overdraw fees of {$35.00} and she only refunded 1 i can not express my disgusting word against this back here is in their own words from their own website what happens when u schedule a bill payment ( When you make a payment, you select the payment amount and the date on which you want your Pay To accounts to receive the payment. The funds will be withdrawn from your account accordingly. ) i also took this down from their own website and from the Bill to pay ( After a payment is scheduled, it appears as Scheduled on the Payments Overview screen. After the payment is processed, the status changes to Processed. The Pay To account will receive the payment by the Deliver By date. Sometimes, however, it can take a few days for a Pay To account to credit your account. ) AND IT CLEARLY SAYS HERE IT WILL GIVE YOU UPDATE OF THAT STATUS OF THE PAYMENT AND CLEARLY IT DIDN'T AND THIS SUPERVISOR WANTS TO BRAINWASH THEIR CUSTOMER WITH POOR INFORMATION SHE SHOULD BE FIRED FOR GIVING FALSE AND FRAUD INFORMATION TO THE CUSTOMER TALKING ABOUT THE CHECK GETS MAILED SHE SOUNDED SO PATHETIC

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 06/30/2016 about Mortgage (Conventional fixed mortgage) with VANDERBILT MORTGAGE & FINANCE, INC (GA).
Issue: Credit decision / Underwriting

Complaint: Need to move into a XXXX facility. Can no longer afford to pay this morthage. Would like to have what monies I 've paid in marked off as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The loans are in not accurate They are also not reporting the correct amounts They are also duplicate loans on my credit report doubling the amount owed.

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 12-10-2017 about Debt collection (I do not know) with Blitt and Gaines, P.C. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: According to the lawsuit there are to 2 CREDITORS There 's XXXX XXXX XXXX & BLITT AND GAINES , P.C . I do n't know who the DEBT originated from. I only get XXXX hours with XXXX 'S with a wage of only {$9.00} per hour! I never worked for XXXX XXXX XXXX, Also XXXX XXXX XXXX & BLITT AND GAINES. P.C. is asking to me to pay {$6800.00}! That 's equivalent of earning {$4.00} per hour! I pay an AUTO LOAN about {$450.00} per month. So that 's $ XXXX- {$450.00} per month and the leftover is {$390.00} per month or Annual Salary of {$4600.00}. Since this is my livelihood is {$4600.00} per year ; I will get a negative balance of {$4600.00} - $ XXXX= -XXXX! I ca n't pay the $ ( -XXXX ) since I am negative!

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am a victim of identity theft. There is Fraudulent Information on Credit Reports which were made without my knowledge or permission. 
But Credit Bureaus have failed to give me investigation result

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 04/25/2017 about Debt collection (Mortgage debt) with McCarthy & Holthus, LLP (WA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Attached to this complaint is a copy of a debt validation notice we received on  XXXX   XXXX ,   XXXX  , and dated  XXXX   XXXX ,   XXXX  , from the debt collection law firm  of McCarthy Holthus  in  XXXX  WA.     We dispute the validity of the debt identified in the notice and we will be sending a formal debt validation request and dispute letter direc tly to McCarthy Holthus within the 30-day period of receiving this notice. McCarthy Holthus should  cease and desist all collection activity and threats of judicial foreclosure until they have validated a debt, provide proof of creditor status and provide a complete accounting of all individual amounts, which would include a ny 3rd party payme nts made towards this loan from obligors and other parties. Evidence of any electronic transfers of the note should be provided as well to establish who is entitled to receive payments.     The notice is a threat to deprive of our property with the statement, Even though the judicial foreclosure process is being commenced an d may proceed during the 30-day period In this notice, McCarthy Holthus provides a false statement that    XXXX   XXXX   XXXX   XXXX   (   XXXX   XXXX   ), is t he current creditor to whom the debt/loan is owed.  XXXX  has never extended credit to us and has no economic interest in promissory note.  XXXX  is only a servicer debt collector.     In a previous notice ( attached with this complaint ) sent to us by  XXXX , they stated that  XXXX   (   XXXX   XXXX   ) w as the creditor to whom the debt was owed.      McCarthy Holthus  and  XXXX  are violating the FDCPA that they must comply with.      XXXX  is not a creditor per the FDCPA   XXXX   XXXX   XXXX    803. Definitions [ 15 USC 1692a ] As used in this title -- ( 4 ) The term " creditor '' means any person who offers or extends   credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.       XXXX   XXXX   XXXX   Sect ion 803 ( 4 ) defines " creditor '' as " any person who offers or extends credit creating a debt or to whom a debt is owed. '' However, the definition excludes a party who " receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. '' 1. General. The definition includes the party that actually extended credit or became the obligee on an account in the normal course of business, and excludes [ 53  Fed.  Reg. 50102 ] a party t hat was assigned a delinquent debt only for collection purposes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Payday loan () with Enova International, Inc. (TN).
Issue: Received a loan I didn't apply for

Complaint: A {$250.00} payday loan was deposited into a checking account I closed in 2013 from CashNet USA. I might have used this lender in the past but it had to be over 2 years ago. I called the company once my old bank contacted me ( I had no idea this money was deposited until CashNet USA tried withdrawing more than {$250.00} ) and was told I needed to file a police report. I explained my situation emphasizing fact they sent unauthorized money to a very old bank account but they still refused to help. I also offered to send them a copy of my current account statement showing I had absolutely no need for {$250.00}. My old bank ( XXXX XXXX ) is in the process of returning {$250.00} to CashNet USA yet I still received an email stating my account is being turned over to collections. This is a giant scam!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I sent a Letter of Demand Under Section 604 of the Fair Credit Reporting Act : I see these inquiries on my credit report. I would like these Items removed immediately. Please provide me Permissible Purpose. Proof that I initiated the Inquiries and Written Authorization on all inquiries. I have been a victim of identity Theft. Under Section 605B of the Fair Credit Reporting Act you are required to block unauthorized accounts within 4 business days. Please see my 10 page attachment ( Your Duties Under The Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws.

XXXX Inquires 1 ) XXXX - XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX  1 ) XXXX XXXX XX/XX/XXXX 2 ) XXXX XX/XX/XXXX 3 ) XXXX XXXX XXXX XX/XX/XXXX Experian 1 ) XXXX   XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 2 ) XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NJ 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 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Filing a complaint against Transunion for failing to respond to disputes/ method of validation request.       X/X/17 -  Sent a letter requesting immediate removal of several accounts that are listed inaccurately/ I was unaware of.  ( please see letter )    X/XX/2017 - Received a response from Transunion which listed one account as deleted and the oth er account, "   XXXX   XXXX   XXXX   XXXX   '' as " verified as accurate and updated ''  X/XX/2017 - Sent a letter to Transunion requesting  method  of verification as I completely disagree with the results they stated on   XX/XX/XXXX   XX/XX/XXXX -  Received a letter from Transunion stating " we are unable to process your request because we were unable to determine the nature of your request or your request was ineligible '' ** If you read my letter, it is clear that I was requesting a method of verification for the debt they claim that they " verified '', Especially since I asked for several pieces of information.       X/XX/2017 - Sent  a letter to follow up on my " method of verification letter ''. Requested that accounts were deleted immediately since they only sent a response to delay my request and they did not respond with the requested information.     To this date,   XXXX   XXXX   XXXX    , I still have not received any of the requested information from Transunion.

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 05-06-2016 about Debt collection (I do not know) with Monarch Recovery Holdings, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call at XXXX today from XXXX from a person identifying herself as XXXX. She stated she was representing Monarch Recovery Management based in XXXX and asked if I was XXXX. I affirmed that I was, and she asked for my birth date. This I refused for obvious reasons. I asked the nature of the call, and she replied it was about a debt to a bank I had never heard about. I told her I had no debts and had never heard of the bank she mentioned. I asked her for the birth date of the person she was looking for and she refused, citing privacy. She then suggested that my providing her with my birth date might help me detect identity theft. As a retiree from the California Department of Consumer Affairs, this raised a red flag for me. Wheedling info out of people is known as social engineering by scammers. In any case, I have no debts. How do I complain if this company calls again? Thank you, XXXX XXXX, CA

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (DC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company calls my phone dozens of times per day. They refused to tell me who they are and they never leave voicemail messages with contact information, they just call repeatedly at all hours. When I try to block one of their numbers, they call with many other numbers. They are consistently rude when I ask for identification information, even hanging up on me and then someone else calling back minutes later. I finally got one person to tell me the name of the company and call-back info after I had confirmed with the original phone company that the bill came from, but before then I did not have a good way to verify who they were or that the debt was legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Credit card () with CITIBANK, N.A. (IL).
Issue: Closing/Cancelling account

Complaint: I recently applied for a Citi Bank credit card through XXXX. I was approved by Citi Bank and told I would receive the card with activation instructions within 7-10 days. I attempted, unsuccessfully, to activate the card by using a Citi Bank internet activation site. I tried to activate the card by telephone using a Citi Bank toll free number. When I reach this latter site I was bombarded with a continuous stream of " special offers '' all of which I declined. I stopped declining after XXXX ( XXXX ) streaming " special offers ''. Citi Bank 's phone activation site would not allow me access to what I wanted to do. I was so taken back by their brazen manipulation that I decided to not activate the card. Citi Bank sent me a welcoming email two days later. I replied to the email requesting immediate cancellation. They responded that they could n't respond to my cancellation request and that I would have to use a statement to do this. I do not trust Citi Bank 's process and I want to receive a clear instruction as to how to cancel this card. Again, I did not activate this card, I do n't want it, and I do n't want it on my record.

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 06/30/2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went to XXXX.com like I have in the past to order a free credit report from XXXX of the XXXX bureaus. My plan was to do one every XXXX months like I had in the past. I went through bankruptcy in XXXX and have been rebuilding my credit since then -- this is the first time I have tried to order my credit reports since that time. I wanted to establish a payment history with a small credit card my credit union issued me. I went through the ordering process for each bureau, and for each one, I was notified that I would not be permitted to order online. I would need to order by phone or mail. I had been using XXXX browser and decided to try XXXX and the same thing happened. I 'd many times in the past ordered my free annual credit reports online. Even when I ordered for the first time online I was never declined and asked to do request by mail or phone. The only thing that has changed is that I went through bankruptcy. To me there is no reason that I should have to order by mail or phone when I was very careful to verify exactly who I was correctly online for all three bureaus. I realize I 'll probably have to call XXXX of the bureaus just to get on with this, but this bothers me very much -- I feel singled out based on my bankruptcy filing. Of course I have no proof of this, but I still felt I should report it to you. People trying to come back from bankruptcy should n't be made to jump through this extra hoop. I 'd appreciate being able to monitor my credit report just like everyone else -- by ordering online -- a method that is far more preferable to me. Thanks for listening. Best, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To whom it may concern, I am writing you in the hopes that you can help me remove an unwarranted item on all 3 bureau 's credit reports. Specifically, this involves the reporting XXXX mortgage payments. 
Please allow me to explain : I went through a divorce about XXXX years ago, at which time, I gave the title to our home to now my ex-wife. This was to keep the children in their home and minimize the disruption as much as possible. However, I was the sole person on the bank mortgage with XXXX Bank. Within the divorce decree I increase the necessary maintenance to my ex wife in order for her to be able to pay the mortgage and keep the house. Although I continued to send the necessary funds to her each month to cover that mortgage, she pocketed the money and did not pay. I asked my attorney if I could withhold those funds each month from her and pay the mortgage myself, at which time i was advised that it would be illegal to do so. So this went on for several months despite both my attorney and myself saying we would have to take this to court. After about XXXX months of non payment, we did take this to court in XXXX of 2012. She was found to be in contempt of court and ordered to bring the mortgage current within XXXX months and make the expected payments in the future. She ignored this court order and never paid a dime for the mortgage, despite my continuing to pay her the money to do so. This went on for a period of XXXX months until she put the house up for short sale. In the meantime my credit score continued to plument though no fault of my own. 
I brought this to all three credit reporting agencies including the supporting documentation from both the divorce decree and the contempt of court charge with reason listed from the courts. 
Despite the story description and the written proof which was provided, they have refused to remove it. 
It has been very difficult to manage things, including student loan co signing for my child 's college with this weighing me down. So I humbly ask you, can you please help me with this? 
I have provided the same written proof to you in the attachment below that I did to the credit agencies. 
If there is anything else you might need from me, please do n't hesitate to contact me. 
Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech has continued to apply my mortgage payments incorrectly on a monthly basis. When I reach out to them, they apologize and make sweeping changes to my balance. Often I wonder if these balances are correct because of how drastic they can be ( several hundred dollars month to month ). The latest fight I have to do is over late fees. The company maintains I paid my mortgage late, but they draft the payments out of my checking account bi-weekly. It is impossible for my payments to be late when they draft it out of my account. When I reported them to the Florida Attorney General, they sent all this paper work trying to justify they were correctly posting my payments on time. I maintain that until I requested a look into the account, they were n't posting my principal payments on time. I still believe that the company miss posts and later makes huge adjustments to my balances ( and I do n't believe my balances are currently correct ). They say they ca n't apply my principal paid via bi-weekly drafts until the full amount of principal is received, but even in a month where they receive three bi-weekly payments ( the second of which would fulfill my full principal requirement ), the company fails to post the principal until the end of the month, at least a week after receiving the full principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation