milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/14/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I recently got denied credit from mcu bank for a personal loan and also for a credit card from XXXX for.XXXX, i believe someone is using my personal information and applying for businesses and credit cards from states i have never lived in or even visited, the only states i ever been to is XXXX, XXXX, XXXX and XXXX nowhere else, i dont even have family in other states just 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 04/13/2017 about Student loan (Non-federal student loan) with LOAN TO LEARN (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: This loan provider continues to report negatively on my credit report. All of my other loans have been able to be deferred when I was in school, apply for a income driven repayment planned and or have a forbearance. This company has made it increasingly hard for me to reach anyone with regard to my account and making it become available. When I first called they told me that it was reassigned to a lawyer in Massachusetts. When I called them they were not able to give me any information about my account. The next time I called, they told me that my account had and reassigned to a lawyer in Tennessee. When I called them they were not able to give me any information about my account. The last and third time I called, I was told that it was reassigned to a lawyer in Tennessee, XXXX When I called them they were not able to give me any information, instead they said my account was reassigned to a company called EduCap. They gave me a phone number and when I called the phone number was not in service! I do n't know what I 'm supposed to do in terms of paying it off if I ca n't reach anyone yet, Loan to Learn continues to report missed payments to the credit bureaus and Educap did not have a working phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: After years of unemployment and using my life savings to stay current on home mortgage payment s Wells Fargo  sold my home to an investor named  XXXX   XXXX  in   XX/XX/XXXX   after a year of not making payments. I had applied to get government help that they said was available but was quickly denied and it was just a false  hope. I was order by a county judge to leave a home I lived in  from   XX/XX/XXXX  to  XX/XX/XXXX .  I am now  homeless  and have lots of debt. I do not drink alcohol, use illegal drugs, or smoke and never have. I suffer from   XXXX   XXXX   which I can not afford to have diagnosed and have been separated from my wife and son since  XX/XX/XXXX . I can tell that my family blames me and they offer little to no support yet they expect me to help them. I was once an adequately paid contributing member of society and was able to sustain myself and family but now I have been marginalized by society. Why did the banks get millions from taxpayers yet we the people got nothing but a help program called   XXXX  t hat is worthless as far as I am concerned. I saved for over 10 years to buy my own home. I put a 20 % down payment from over a decade of saving and that was my life 's dream/goal to own a home. These bank CEOs make millions and some have multiple homes yet I am on the streets and something just does not seem right about banks destroying the economy with bad mortgage lending yet they get rewarded while I loose everything I worked for so they can have a lavish lifestyle. In mid to late   XX/XX/XXXX   an attorney named  XXXX   XXXX  called said he had proceeds from the sell of my home of about  14 grand but I had to sign a letter not to sue the bank to get the money. I needed the money so I had no choice but t o sign the letter to pay for immediate stay at  inns and lodge   XXXX   since I am homeless.  I drive  by my former  3 bedroom/2  bath brick ranch home on occasion and it is now recently occupied after having been updated and put back on the market since I was ordered to leave. I believe it sold for  XXXX   XXXX . I kept hoping that eventually someone would come to their senses and give it back but that never happened.

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 09/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I noticed in my credit reporting that no agree to stay mortage - closed then I need delete mortgage - closed because if my ex husband happen and unable pay for mortgage in XXXX but I ca n't afford. I was divorced in XXXX 2007 and I signed quit claim deed and gave him to own his house then I do n't want to keep house. I have payment for rent in apartment in XXXX that ca n't XXXX rent and mortgage in XXXX cause my low income for XXXX to hardship and not money. I called in TransUnion and waiting to remove but they said 60 days. My ex husband bought house in XXXX and his ex wife divorced. We moved to XXXX and bought house then he spend to loan often.

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 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: #NAME?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with American Collections Enterprise, Inc. (VA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I called American Collections Enterprise on XXXX/XXXX/17 spoke with XXXX XXXX. Advised him that I wanted to do a settlement offer on this account b.c its an old debt. XXXX XXXX stated that he was unable to take a settlement offer b/c XXXX does n't take settlement payments. I advised him that per my credit report it shows that the account was sold to them. He told me that they are only a XXXX party between me and XXXX and that I would need to contact them directly if I wanted a settlement offer. He was very rude. I asked him why does it show them being the original creditor he told me to ask the credit bureaus b/c he does n't work for them. Then I requested to speak with a supervisor. I explained to XXXX what I wanted to do and how XXXX XXXX was talking to me. She said that perhaps my question warned his response. I told her that they were still in a customer service position and no one should be talked down b/c they owe an debt. She kept saying how Its been 3 years and how I did n't pay. I thanked her and called XXXX. I spoke with XXXX who handles the center in XXXX. Per XXXX they should have never told me to call them b/c they purchased the account from them and she does n't know why they said that XXXX cant accept settlements when they don '' t have the account and have nothing to do with it anymore. She was shocked that they behaved and talked to me in such a manner. She apologized and gave me her direct line just case something happens again. She also sent a complaint on my behalf to the department that hands the collection agency.

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 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GREAT LAKES (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX, also reporting loans as XXXX XXXX XXXX XXXX XXXX is continuously adding to my principal balance and this is adversely affecting my credit score. I am currently looking to refinance and their frequent updates are detrimental to this process. Also, there are several accounts between both XXXX XXXX and XXXX that were opened and closed the same year or a few years later, which is affecting my average age of credit as well and in turn my credit score. I respectively ask that the accounts from XXXX to XXXX be removed as per the Statue of Limitations for my state of five years. I would also like to request that the accounts from XXXX are removed as we are coming into a new year. I need this done ASAP, as XXXX XXXX XXXX is partaking in illegal reporting practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: 1. I just received my free annual credit check and was disgusted to see that XXXX XXXX only show my payment history since XXXX XXXX even though the account was opened in XXXX XXXX and payments made on time for 8 months have magically disappeared from the public record. 
2. Even though XXXX XXXX closed my account in XXXX XXXX it was paid in full the same month. 
Therefore XXXX XXXX is misrepresenting my credit history adversely as it is effectively " playing XXXX '' by deciding to show the only bad issue on my entire credit history and not show the full picture. This is a shameful and blatant misrepresentation of the truth and we consumers seemingly have no recourse. 
3. To make matters even worse XXXX has run my credit without my approval in XXXX and XXXX XXXX. I have no interest in ever dealing with XXXX again but they told me they can run my credit as much as they like and there is nothing I can do about it. This is morally outrageous and offensive. We consumers should be afforded legal protection from these corporate vultures and I formally request that they stop snooping into my credit that they have adversely impacted. In other words, these companies should not be allowed to run consumers credit without the prior approval of consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Bank account or service (Savings account) with Comerica (VT).
Issue: Using a debit or ATM card

Complaint: I I XXXX XXXX have a direct express debit XXXX card from Comericia Bank. I could n't find my card on XX/XX/2016 so I called direct express to cancel it but I could n't get through there phone kept saying they were busy and hung up a welfare worker also called she could n't get through either we called my balance went from XXXX $ to XXXX $ to XXXX $ because I could n't cancell it. They would n't tell me where the transactions took place how much said they send a paper in the mail never got it still. So I got paper from then that say if I file them out and they revived then by the 10 Bussniss day my card will get a provisanry credit for what I was disputing. I sent hard copy 's faced several copy 's here XXXX I faxed attached. The tenth day I called and they said first they did n't have my papered second they did they had all the faxes too I have q XXXX worker as a witness she was taking with me n directs express they had it all read the transaction amounts to us said my card would have money by XXXX XXXX. I called later that day to see if I had money yet and nothing so I asked when this other women says never. They closed your case I said why she said I did n't send my papers in. Then she said I did n the case was n't closed then she says it was then it was n't then the supervisor said I was not getting nothing I was a liar and a crazy and to bad for me. I call the police they never even called then to get any info for investigation at all so how can they not give my money back???? I 'm homeless I been XXXX because I had no place to sleep because XXXX did n't give me nothing back and it 's there fault there phones were down all that day and have been most days this month look up online you can see. I have rights they ca n't keep my monrh its XXXX law they have to give it back in 10 days that 's the law o need help XXXX with this not in a few weeks I calls u XXXX u did n't wan na rent my report I pray u do your job n help me call Comericia bank I 'm not the only one that 's had problems they were on the XXXX XXXX last month sane kinda thing and I 'm the liar??!! No I am not. I have XXXX calls recorded I had to I could n't behind the lies they were telling me XXXX supervisor told me to XXXX I get Ssi for a reason. I called a lawyer and he said let u do your job and if not we 'll I 'm XXXX but I still have rights n they said no one could hear is talk wgy they got to hide I no there lies, you need tu shut this place Down n it a bank thing it Comericia bank ok the card there the ones ok the end I not being jerked around I have XXXX XXXX to care for too really!!!! 
Thank u please help Md. I was in jail last year got out all my money was taken off my card then all and it was n't me but they wiujdbt even call the cops to see the cold nee who did it too but no they did n't care I do XXXX $ is a lot of money u need it tu b inside sleep. Thank you for your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: There was a charge on my bank card and I reported that the charge did not belong to me. It was removed for investigation purposes and I did n't receive any other notification since. Now years later it shows up 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 12/18/2015 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Dear CFPB, I ask that you seriously you investigate this company. I had a mortgage with XXXX XXXX ( already had to file XXXX complaints that are still ongoing ). The mortgage was transferred to Freedom mortgage. The transfer has been a complete mess. After a long trial the previous company finally transferred everything to the new company including a check. The first time I spoke to the new company the person said it was taking them a while to process payments because they were bringing in a large number of mortgages from multiple companies. Per their own records it too almost 2 weeks from when the payment was " received '' ( an attachment will show their own records show it took this long ) for them to actually post it. I was told that this would be corrected and that they would process checks more quickly. Now, I have mailed another check, directly to them this time, and it has been over 2 weeks since the check was mailed and they still have not posted it. I called in to inquire about their address and then asked why it was taking them so long to process checks that are mailed. The woman who answered ( I did not get her name, although they can tell you who it was since the calls are recorded. ) insisted to me that all checks are posted in no more than 72 hours. When I pointed out that their own records showed it took them almost 2 weeks to post my check even after they claimed they received it ( which was 2 weeks after it was mailed. I know the Post office is slow, it is not that slow though ) she then said it did not take them that long to post and then i again stated that their own records show it did and asked why it was taking so long. She then hung up on me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (AL).
Issue: Account opening, closing, or management

Complaint: I signed up for a citigold checking account under the stipulations that I would receive some bonus XXXX miles for opening the account and meeting some requirements. I opened the account in XX/XX/XXXX and was told in XX/XX/XXXX that I had met the requirements and to expect the miles in XX/XX/XXXX. I still have not received the miles and I was counting on them to book a trip. I contacted Citi multiple times in XX/XX/XXXX and the only response was that they were looking into it but it was never resolved.

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 05/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX would not itemize the charges they gave me after closing an account with them at XXXX XXXX XXXX XXXX Every month was paid. They charged for not returning equipment, but I never rented equipment from XXXX. It would be in the XXXX statement and subsequent statements since there is a monthly fee to rent their equipment as far as I know. 

I made many attempts to work this out with XXXX. Representatives said they would send me an itemized list of the charges, but they never did. It was later given to a collection agency, but I do not owe anything as far as I know. If the reason for the charges were given, I would understand what I am paying. But, if they were misinformed about the equipment, I believe these charges are misplaced.

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 11-07-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (GA).
Issue: Managing the loan or lease

Complaint: Back in XX/XX/2014 i was in a bad car accident and o was unable to pay my car payment for XX/XX/XXXX and XX/XX/XXXX, and i asked for a good will for the late payments the happened and supplied all of the doctors bills and information showing the accident. I never received a response on reason why the late payments are not removed. But they did remove the late fee i had during that time, but the payments are still reporting late. Late fees were removed and not the late payments that are being reported

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Signed up with a billing company to pay for a gym membership. The original company has been paid in full and has given me ample documentation to support that my account is closed and completely satisfied. 
A few months before I fulfilled that contract, however, another billing company which I had never heard of contacted me separately and told me they would be billing me for the same contract, but a much higher amount. They insisted that the original billing company had assigned the account to them but would not provide any documentation to the fact. They proceeded to autodebit my account, which was made possible because the gym gave them my billing information before promptly going out of business, preventing me from contacting them. 
After fulfilling the original contract, I presented this information to my bank during their investigation of the wire fraud. The second company then responded by assigning the fabricated debt to a collection agency, which then reported the information to TransUnion and XXXX. 
Upon requests under the FCRA to the credit agency ( XXXX XXXX XXXX XXXX ) and Transunion both for validation of the debt, I was merely sent a copy of my original contract with the first company and told that it was valid. All parties plainly ignored the documentation I submitted to them from the contract company, including detailed payment records and a plain-text statement that the account has been completely satisfied. 
The gym which opened the account in my name has closed ( XXXX XXXX XXXX in XXXX, SC ). The billing company who attempted to autodebit my card ( XXXX ) has closed and re-opened under many names. In fact, a simple google search on their business leads to a wealth of information about their shady practices and willingness to verbally abuse their victims. 
TransUnion has elected to not exercise due diligence when investigating my account. This is evident in the fact they attempt to " verify '' the debt by referring to my contract with XXXX, in spite of my submitting plain-as-day letters and statements from XXXX stating that the account is completely satisfied. To make matters worse, they did n't even bother verifying the amount : The contract clearly states a total amount of {$1200.00}, but somehow this has turned into a debt of {$1400.00}! The fraudulent debt quite literally added an arbitrary amount to the debt without any explanation as to why, but this was also ignored. No party attempts to deny that the account in question is the same one that is already satisfied, demonstrating that this collection account is a shameless attempt to force me to pay twice. If a plain English statement from the creditor that this debt is invalid is not enough to invalidate the debt, what in the world is?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (MO).
Issue: Managing the loan or lease

Complaint: I received a late fee in XXXX 2015, which was waived in XXXX 2015. When I made my XX/XX/XXXX payment, I paid the scheduled monthly payment, but did not include the late fee. Payment was made on time. Because I did not include the late fee, I incurred another late fee. When I made my XXXX scheduled monthly payment, I did not include the late fees. Teh payment was made on time. Because I did not include the late fees for XX/XX/XXXX and XX/XX/XXXX, I incurred another late fee. Even though I made my schedule monthly payments on time, because I incurred a late charge once and did not pay it, I am subsequently incurring late fees every month. 
Is it legal to continue charging late fees month after month just because you did not pay the first late fee and you paid the scheduled monthly payments on time?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief