milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/28/2017 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: On XX/XX/XXXX, a Trans Union dispute for Incorrect Data on my credit report was started. It is still unresolved. XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) Account shows open and in collections with a debt of {$820.00} owed to unknown debt collector. After several disputes via online, over the phone and through the mail, the incorrect info still remains on the credit report. Proof from XXXX XXXX, ( Stating that there is no amount of money owed/account does not exist ) was provided to Trans Union, along with other supporting documents to prove the case for removal of the incorrect information in the report on Friday XX/XX/XXXX. This mail with the supporting documents was sent via USPS with delivery confirmation, and has a tracking number of : XXXX XXXX XXXX XXXX XXXX XXXX. Currently the USPS has it marked as delivered. After the fourth dispute was unsuccessful in rectifying the matter, I am currently writing this. The company Trans Union has failed and is in breach with complying to the laws of the FRCA. I have suffered actual  damages, soon to be including court costs, attorneys fees, lost wages and, if applicable via the courts, defamation and intentional infliction of emotional distress and possible punitive damages.

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 02/15/2017 about Debt collection (Credit card) with NORTHLAND GROUP INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: The Northland Group Inc XXXX XXXX XXXX XXXX MN XXXX reference # XXXX tried to collect a debt from me that was covered under my bankruptcy chapter XXXX case # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Total Card, Inc. (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I contacted XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in regards to my available credit was updated due to I made a payment of {$330.00} on XX/XX/XXXX, which is the due and was made before XXXX so the payment would post the next business day. I checked my credit availability on XX/XX/XXXX online and only the balance was updated and not my credit. I contacted customer service and the representative told me that my account was closed because my payment was past due which was incorrect and was not due until XX/XX/XXXX. I informed the representative that I made a payment of {$260.00} between XX/XX/XXXX-XX/XX/XXXX by check and the payment has normally posted the next business day when I made payment by check and becore XXXX and this time it did not happen and was told it will take 10 or 14 business dsys to post. I gold the representative the payment has already cleared my bank and she advised if i can get a letter from my bank zhowimg the amount XXXX has cleared it can still take 5-10 business days to post to the account, which I still could not understand. So I asked the representative if she could just stop the check payment/reverse it so that I can make a payment with my check debit card. I did not make a payment with my debit card the first time because you can't make a payment until after 5 business days ypu made your last payment eith that debit card. So the representative told me to contact my bank to have them stop payment on the check because I wanted my payment to post right away. I wasnt late or past due because my payments are due the XX/XX/XXXX of the month. I was never advised of my acvount status via email which they have contacted me before when my credit card was compromised by XXXX. Then I requested to speak with a supervisor by the name of XXXX and she told me my acvount was closed due to the payment eas reported by my bank as unauthorized. I informed the supervisor that I did not and reauested that she listened to the revorded call I had with the represenative when she advised me to contsct my bank to stop payment on the check. The supervisor then stated that I would need to get a letter from my bank statimg the request was only a stop payment but that does not guarantee my credit account would get opened back up it wpuld be up to the underwriter. I stated to the supervisor that is not fair and how could you close my credit card acvount without contacting me by email or phone call and I have not received a letter to make sure this was an error and would close my account after I have bern with them over 4 years. The supervisor then begin to say they have the right to vlose my account, and did not attempt to escalate but would rather lose a consumer with false imformation and not sympathizing but only making the company look justified in what was done.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (I do not know) with Global Credit & Collection Corporation (PR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Keep receiving harassing and suspicious robocalls from so called Global Credit & Collection Corp. from the phone number XXXX almost every day. I have no past due debts with any creditor and I have not received late payment letters from any financial institution or any other. Have n't received any official document or letter from that company either.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was sued and paid the judgment. A new lawfirm file took over the judgment and garnished my wages. I have comunicated with them to stop the collection efforts to no avail.

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 03/30/2016 about Credit card () with CITIBANK, N.A. (WI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: CITI Card account ending XXXX has been billed in error. Please check the original account information for XXXX when this account was established, purchases made and what State and Why it was rolled over as this was reported as a " Rollover " account number. There was no use of any other account or issuance of any other credit card to this XXXX XXXX. 
There may have been identity theft as XXXX XXXX ( account ending XXXX ) only had this account since applying.

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 01-12-2017 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (NH).
Issue: Settlement process and costs

Complaint: I did n't modification with my mortgage company to save my home and they told me I had to miss three months worth of payments in order to qualify so I did that I we did the contract they lowered my payments they charge me {$36000.00} to do so I think it includes you know the late fees and interest fees but then I found out two weeks ago when I went to refinance because my interest rates going up again this year it 's going to go up 1 % every year until does it backed up to where it was to start with but anyway I found out two weeks ago that they actually added 13 years onto my 30 year mortgage so I 'm going to be worse off than I was when I asked for help I thought this was a government program that was supposed to help homeowners like me that were in a bad place I lost my job had to take a lower paying job and I just could n't make the payments I kept hearing about the government having a modification programs to help people out and I do n't think they help me out I 'm going to be in worse shape

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Debt collection (Medical debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/XXXX ( 3 mos ) {$920.00} XXXX XXXX XXXX ; I sent letters since XX/XX/XXXX since then no one respond to me. I told them that this should not a bill. When the neighbor called the ambulance when I had an XXXX XXXX, my girlfriend did not let them go with me because I got better. When they came, they got my name and social. And later they sent their bills. Not fair at all. I did not get into the Paramedics. Please remove that. Thank You!

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 04/20/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Please see attached ID theft documentation which shows and supports the listed Inquires need to be removed as required by law within 4 business days of receipt. Also update Credit Acceptance Account Payment History to ALL Payments made on time since at no point was the account EVER XXXX days late.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I XXXX XXXX request that the attached account remove me personally as a user, and that all credit trade line references on XXXX XXXX, XXXX and XXXX, and XXXX if applicable. My husband has passed away, and any collection on this account can only go through his estate. I have no obligation to this debt, and any collection matter can not apply to me personally. I was never a responsible party to this account and my matter only applies to the Fair Credit Reporting Act, and any collection matter applies to the Fair Debt Collection Practices Act. This item must be deleted from my personal credit reports permanently. Please reply through the Consumer Financial Protection Bureau only, and my rights for deletion are within the legal guidelines for add on signers to accounts, and the deletion of said connections. I am not a responsible party and desire to have this account removed permanently. 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2018 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE ().
Issue: Other transaction problem

Complaint: I'am the XXXX XXXX of the XXXX XXXX tried to send {$400.00} to western union, however the name of the recipient was not the same as on the I.D., so i was trying to change the name using WU application " Western union cares complain '' from XXXX, which seemed ill be legitimate of those apps.I give my details to provide the transfer, I thought it was a genuine WU.I give my wife details and as a result, someone was able to collect the cash with a w rong provided ... .It was happen last XX/XX/XXXX i send the money and received by the unknown person XXXX XXXX ,2017.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: Bank of America claims departments to request charge backs or disputes or frauds it 's such a hassle, then they say they are gon na do one thing and do n't or do the complete opposite.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: LoanCare, XXXX, VA XXXX is the worst Mortgage company in the US and has been a huge problem since it was purchased from XXXX. They have taken out loan pmt from autowithdrawl on the wrong dates twice, causing overdraft fees, they have taken out pmts twice in one month, they have sent letters regarding nonpayment of property taxes. My taxes are paid in full as of XXXX XXXX. I have sent them documentation of these transactions and they still say I have to send them more info regarding prop taxes. The voice mail to talk to someone takes at least 10 minutes per try. Their system disconnects or does no connect to the supervisor when requested. These people should be stopped. XXXX and XXXX have many many many complaints about this company. 
It is mortgage XXXX and they have to be shut down.

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 08-02-2016 about Debt collection (Payday loan) with Guidiville Indian Rancheria (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: My husband and I have been receiving threats of criminal prosecution for a debt that my husband and I had with a company called XXXX back in XXXX of 2015, that we paid on for 5-6 months, but they were taking more than we thought they were supposed to, and we tried to negotiate with them, but they would n't and we had to close the account, because even after we asked them to stop automatic debiting, they refused. We only borrowed {$250.00}, and were paying well over {$100.00} per month. We included the loan as part of the bankruptcy for both my husband and I. I have discharged out of my Chapter XXXX, but my husband is still in his Chapter XXXX. We have been getting harassment calls from debt collectors for at least three months, soon after we went into bankruptcy. 
Today we were told that we committed fraud and that we would be prosecuted for fraud. that they were coming to our home to serve us a summons. We were also told that bankruptcy does n't have any bearing on this debt. We paid so much on the loan compared to how much we borrowed, and they are still saying we will be prosecuted unless we pay over {$700.00} more to them. 
The callers talk very fast, but refused to answer questions about the name of the company they work for. They have been very rude, and threatening. We think they said XXXX, btu do n't know what that stands for.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: The bank has been trying to foreclose on her apartment for the last six years. The first foreclosure was dismissed due to fact they had used XXXX XXXX the robo-signing attorney to try to steal the apartment and could not produce the original note. We have maintained the property over the last six years. We are the heirs to our daughter 's Estate. The case was refiled and was at issue. We were never served by the court my wife and I. We located the attorney ad litem that was supposed to defend our interest XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX. He referred us to XXXX, FL XXXX XXXX where we met with both attorneys. XXXX told us he could not defend us and recommended his friend XXXX. We asked XXXX our attorney ad litem to inform the court that we wanted to defend or position as heirs of the estate and he refused. Instead XXXX insisted we needed to hire his friend XXXX to represent us. When we failed to give XXXX or XXXX the business due to lack of funds. It seems XXXX took retaliatory action against us and got the trial moved to an earlier date then the original docket stated and allowed the court to foreclose on the apartment in XXXX of 2015 for a XXXX sale date, knowing we wanted to defend our interest for the estate. XXXX XXXX also runs the XXXX XXXX XXXX out of his law offices and wanted to get the real estate sale business from this transaction. We are a XXXX year old retired couple with no home of our own living on social security. We are asking the CFBP to investigate this case stop the sale of the property and over-turn the foreclosure due to attorney mis-conduct and mis-representation. 
The bank claims it has been unable to contact us but has never tried. Wells Fargo has our phone number and email. We also met Wells Fargo legal team in court this month and they never reached out to make contact. It is not legal or fair lending practice to the Estate of XXXX XXXX that owns the mortgage to not have the right to bid on the property like the banks investor hedge fund did for {$460000.00}, when the property is worth {$250000.00} more. Essentially robbing the Estate of XXXX XXXX and its heirs and creditors of {$XXXX}. The property in question is still in the name of the Estate of XXXX XXXX and the bank has illegally entered the property. Changed the locks. Started remodeling. Pulled permits. On a property they have no legal right to open and enter. The apartment is not in the name of the bank or a new owner. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 02-12-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Deposits and withdrawals

Complaint: I mailed in a check for a water bill for {$1.00} ( yes, that is XXXX Dollar XXXX ) that was dated for XX/XX/XXXX. However, the check was deposited & cleared my account more than 2 weeks prior to that date. As I rarely actually write checks ( and usually to prepay my account -- which is why my water bill was only {$1.00} ), I was surprised when the check cleared so early. I contacted the bank ( Chase ) to find out what their policy was on depositing post-dated checks and was advised per " whatever lame agreement they quoted me '' that they can basically post it whenever they want, with no regard whatsoever for the date. As the check is so small, and I had plenty of money in the account, this really was n't an issue. However, it is blatantly -- and unilaterally -- unfair to the average consumer that is relying on the date clearly written on the check to be honored to allow this practice. I guess this is one MORE reason to not write checks and to hate the US banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I 've had a capital one credit card for years, multiple cards, and I just noticed something that has most likely been going on the whole time, but I just realized it. From what I can tell they are charging interest based on the previous billing cycle. Last month my husband and I both paid off our balances in full. we had no new charges. the next month we both received interest charges, even though we paid our balance off in full. when I called they said that if I am not paying off my balance in full month after month I will still receive new interest charges even though I paid off my balance in full. this month on a different Cap 1 credit card my previous balance was {$1000.00} and I made the minimum payment of {$25.00}. on my new statement I was charged interest calculated on a balance of {$1000.00}, there were no new credit card charges. I believe Cap 1 is using double-cycle billing practices which is violating one of the protections of the CARD Act.  When I contacted them regarding this on X/XX/17 he assured me that they are not double-cycle billing they charge interest on an average daily balance, and that even though it looks like they are charging me interest on the higher amount ( XXXX ) that really they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There was a judgement issued through the courts for my son 's unpaid debt. The judgement was listed on my credit report. I called the Law firm that handled the judgement and verified the social security # and date of birth as being my sons. We both have the same name and address. I want his judgement removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Bank account or service (Savings account) with DISCOVER BANK (MI).
Issue: Deposits and withdrawals

Complaint: Dear Sir/Madam, I would like to file a complaint about Discover Bank regarding a missing transaction. 

On XXXX XXXX, 2016. I authorize Discover Bank to draw XXXX dollars from my XXXX account and XXXX did debit this money to Discover Bank. However, after it received the money, the Discover Bank reverse this ACH transaction to XXXX on XXXX XXXX, then, the fund is missing. XXXX have never received it. And Discover Bank claim the fund is no longer in their side and do not want to take responsibility at all. 

I have call Discover Bank several times and even have a three way phone call with Discover Band and XXXX on XXXX 2016 from XXXX XXXX to XXXX XXXX. During that three hour phone call, they check everything, and the conclusion is that the Discover Bank Claim they either never receive the money from XXXX or have returned the money to XXXX, and XXXX claim they did send the money to Discover Bank ( the fund send on XXXX XXXX and clear on XXXX XXXX ). 

As a result, the fund is missing, and either of them want to take responsibility for clients. 

As a personal view, I do believe in XXXX and believe Discover Bank XXXX lie to clients. 

I have all the documents to prove my statements, including the letter that Discover Bank sent to me saying they have returned the XXXX, 2016 ACH fund to external bank ( XXXX ). And I have XXXX 's confirmation number of the initial deposit to Discover Bank. I will attach those information to CFPB to better support the investigation. 

Thank you very much for reviewing my case, Best regards.

Company response to consumer: Closed with explanation