milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: You have 30 days to remove this from my file. They wrongfully pulled the wrong social security which linked to my actual account. This is NOT a factual record and I am demanding you guys remove this from my credit report, Or Ill seek Finanical Damages as this pulled 5 points from my credit file. I spoke to XXXX XXXX XXXX and they already sent you an email demanding you remove this from my credit file. 

However my credit file still shows this on my record - It was not " factual '' it will NOT stay on my credit file for " two years ''. The next step after 30 days I will seek an attornery and sue you in court. The point of contact was XXXX from XXXX XXXX I attached the emails she sent out - She also contacted XXXX, TRANSUNION, XXXX  and told all three of you that this was fraud and to remove it from my file back on XX/XX/2018. They told me it would take 72 hours to reflect my credit file, You profit off of bad credit so I am demanding the removal within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: I have an American Express platinum card before. I got XXXX sign-up bonus points after I spent {$3000.00} within the first three months, as they advertised. Then I linked this card with another Amex card so the points were transferred there. Later on I cancel this platinum card. About two months after the cancellation they figured out I cancel the card, then they took away that XXXX points from my other account. There is nowhere says I can not cancel my card. I contacted them to resolve this issue a lot of times but they were just making up all kinds of excuse to deny me and none of them are reasonable. They are just a bunch of robbers! Beware of them everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The following items, I have never had accounts, with these vendors, my credit was perfect and I have continued to get negative items, on my credit report, that are not my account. I have several energy accounts, that aren't my credit account.

The following accounts are listed on my credit and I have never received any, communications, regarding the accounts. They were just posted to my credit report.

XXXX XXXX   original creditor ( XXXX XXXX XXXX ) Acct # XXXX   Phone # XXXX XXXX XXXX  original creditor ( XXXX XXXX  ) Acct # XXXX Phone # XXXX XXXX XXXX   original creditor ( XXXX XXXX XXXX XXXX ) Acct # XXXX Phone # XXXX XXXX XXXX XXXX  Acct # XXXX Phone # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Mortgage (Conventional home mortgage) with GOLDEN EMPIRE MORTGAGE INCORPORATED (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied for a mortgage with two different lenders. I decided to go forward with the one who I felt was more ethical, honest and giving me the better deal. The first guy got upset ( he actually told me that it 's upsetting, because they did a lot of work, but even after he initially quoted me an insulting interest rate, I still gave him a chance ). At any rate, I felt like he was not being upfront & honest, so I cancelled the deal with him. I had, however, already paid for my appraisal ( I actually paid {$500.00}, but the cost of the appraisal was only {$450.00} ). 
I formally requested my appraisal in XML, which I had to threaten him with with filing a complaint with the CFPB & only then did he finally send it, but he has refused to send an appraisal transfer letter an XXXX Compliance Certificate and the XXXX Cert. It looks like classic slow-play from a scorned lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On  X/XX/2017    there were  two ch arges on my credit card statemen t, one  - {$15.00}, second - {$50.00}. I contacted  Capital One an d immediately and spoke to  XXXX . Advised them I did not authorize these charges and/or purchase anything from either of these companies. My card was then cancelled and he informed me someone would contact me from their  Fraud  Department. They did not, so I called them again in the afternoon. They have the charge of {$15.00} pending and even though they claim they did not take out the charges yet, they did which reflects on my balance that they are taking the monies out. I told them again, over/over I did not make " any '' of these purchases and wanted the monies put back onto my card. They said they could not do anything until the charge was posted/paid on my account!!! Then they would start the investigation which could take up to 30 days or more!!! Meanwhile I am out of monies through no fault of my own on my credit card. Then he said, the  Supervisor,  previously I was speaking with  XXXX  and asked to speak to the  Supervisor,  he said, then after the investigation we  may or may not reimburse you for the charges!!! Even though they have zero liability for fraud charges. I asked and was told, both the transactions cam e in at  XXXX . I reside in PA and am   XXXX   years of age and can assure you I am not up purchasing items on line at this time. In addition, the company of   XXXX   XXXX   XXXX   XXXX   XXXX   as far as I could tell by doing research is for some pet supply place. I do n't even own " any '' pets. The Supervisor I spoke to was very rude by asking me have you ever paid your whole balance in full!! I have never been late with " any '' of my payments w ith Capital One and there was absolutely no need to even ask me such a question except for being ru de, which he was extremely.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (IL).
Issue: Making/receiving payments, sending money

Complaint: XXXX XXXX XXXX XXXX. Denied A Fraud Claim Of {$14000.00} From Wells Fargo Bank Who Allowed Money To Be Laundered In The XXXX, XXXX Branch Wants Money Returned. 
On XXXX XXXX, 2016, I, XXXX. XXXX XXXX became a victim to an IRS Scam ( XXXX ), was instructed to pay {$14000.00} ( {$6200.00} Taxes Owed + {$8000.00} IRS Processing Fees ), and to deposit it in IRS Accounts ( Acct : XXXX and XXXX ) at Wells Fargo Bank, in XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX / XXXX ). A XXXX XXXX ( XXXX XXXXXXXXXXXX ) stayed on the phone with me ( inside the bank as well ) until the deposits were completed. 
On XXXX XXXX, 2016, I filed a XXXX Police Department Report ( Incident # XXXX / XXXX ) as instructed by XXXX XXXX ( Asst. Branch Manager of Wells Fargo Bank in XXXX, XXXX XXXX ) to start the IRS Scam investigation. The Branch Manager ( XXXX XXXX XXXX / Wells Fargo Bank in XXXX, XXXX ) told me to come into the bank on XX/XX/2016 to start the Fraud Claim investigation. On XX/XX/2016, XXXX XXXX ( of Wells Fargo Fraud Prevention XXXX XXXX, XXXX ) informed me that she was the fraud XXXX for my case. I called XXXX XXXX weekly to find out the status of the case, and she ignored my calls for more than 30 days. Then I contacted the Branch XXXX again on XXXX for a case status update, XXXX XXXX laughed and said he had about XXXX other fraud cases, but would email / call XXXX XXXX and let me know within two days his findings. XXXX XXXX never called back. XXXX XXXX called me on XX/XX/2016 and said that she had closed the case on XX/XX/2016 ( More than 30 days ago ), refused to give a case number, and said to contact the XXXX XXXX XXXX XXXX for answers. 
On XXXX XXXX, 2016, Wells Fargo Bank 's executive office ( in XXXX XXXX XXXX ) contacted me, gave a new Case Number ( XXXX ), and said XXXX XXXX XXXX would be investigating the case. XXXX XXXX called me, concluded his investigation ( on XX/XX/2016 ) stating that my {$14000.00} would not be returned ( because I walked into the branch and deposited the money into the accounts ), and no letter would be sent to me regarding the findings of the case. 
XXXX XXXX XXXX XXXX. XXXX XXXX wants the case to be settled as follows : Full payment with a Cashier 's Check of his {$14000.00}. 
Letter of with both Case Numbers and investigation findings.

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 Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: transunion keeps on putting back a previous deleted information on my credidt report a XXXX XXXX XXXX charge off please have them remove this asap.

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 12-04-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Letter from XXXX XXXX XXXX XXXX XXXX states : I last paid on XXXX/XXXX/XXXX on a First Union credit card bill. I still owe {$1200.00} on balance. Also states : A court granted a judgement against me on XXXX XXXX, XXXX for {$2300.00} for same credit card. As this card is 15 years old, I ca n't remember if I even had this card. This Law firm says its going to freeze my bank account and take all my money.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (RI).
Issue: Settlement process and costs

Complaint: In 2014 I was issued a check from Bank of America legal division for {$17000.00}. Upon calling BOA to check the validity of the check, they advised me that the money was owed to me due to an audit on my mortgage account. They further explained that is was money overcharged while I was on XXXX XXXX military and my loan was not properly managed under the service members relief act. I now owe the IRS {$6000.00} for not reporting the money as income. How is that income if is my money that I already paid taxes on?

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 06-03-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America is reporting an inaccurate account on my credit report. They are stating on my credit report that an account was included in bankruptcy on XXXX XXXX, 2012 when my bankruptcy was filed on XXXX XXXX, 2012. I sent them a dispute letter to verify all this information and it was ignored. I disputed with the credit bureaus to get this account updated as well and they continue to report the inaccurate information.

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 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In XX/XX/XXXX, I was approved for a vehicle ( XXXX XXXX XXXX XXXX at XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, TN XXXX ) through Americredit Finance. The monthly payment was around {$640.00}. I provided the necessary documentation-2 current pay stubs, proof of residency ( lease and utility bill ), employment history ( 17 as a XXXX ), etc. I was there with my XXXX daughter and of course was complimented many times about her. I was told that my 1st payment would be around XX/XX/XXXX. In XX/XX/XXXX, I received a welcoming call from Americredit, that provided me with information about my upcoming payment. A few minutes after the call ended, Americredit called back to ask me if I was on XXXX leave ( I found this to be very odd that they knew that I had recently XXXX XXXX ). I said " yes '', and then we hung up. I never received the information about how to make a payment. A week later ( now a month of driving the vehicle has passed ) XXXX ( a lady named XXXX ) called to inform me that the loan was denied because I was on XXXX leave-despite the employment history and my current pay stubs. I wanted to know how Americredit knew that I was on leave. She was n't sure, but that I should n't worry and that XXXX would handle it. They " handled '' it by making hard credit inquiries without my permission- Americredit ( twice ), XXXX XXXX, XXXX XXXX, and XXXX. In XX/XX/XXXX, I sent a certified letter with a signature receipt asking them to remove the unauthorized inquiries within 30 days. Their response was for me to return the vehicle. The signature on the receipt was on XX/XX/XXXX and the 5 inquiries are still on my credit report, my score has lowered, and I am still without a vehicle. I need your assistance in this mattter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I was notified on  XXXX   XXXX ,  2017  by  XXXX   XXXX   XXXX  agency that Convergent Outsourcing, Inc informed them to reinstate a bogus collection account which was deleted off my credit report at the request of Convergent because they feel that they information is correct.     On  XXXX   XXXX ,  2017  I filed a complaint with CFPB against  Convergent Outsourcing Inc,   complaint #  XXXX  in which they responded that the bogus and derogatory collection account which contains incorrect identifying information not relating to me would be deleted from all my credit reports which they did but then on  XXXX   XXXX ,  2017    XXXX   notified me saying that Convergent requested that the collection account which does not belong to be placed back on my credit report base upon they believe the information that they have to be true, correct and accurate.

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 06-03-2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Problems caused by my funds being low

Complaint: I have been getting wrongfully charged overdraft fees since since XXXX by Regions bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I 'm really sick and tired of getting checks ALWAYS being placed on hold from USAA bank. Every single deposit gets placed on hold for a minimum of 7 business days. This past phone call in the attached recording you will see I tried getting a partial lift on funds {$300.00} out of {$1000.00} lifted 1 day early so that I could go to XXXX XXXX to pick up medication I need to survive. 

USAA chose not to accommodate the situation which I explained, was a medical emergency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Deposits and withdrawals

Complaint: I have been a member of Regions bank 20 plus years. I have spoken well of this bank and encouraged others to join. On XXXX XXXX 2015, my checking account was debited for XXXX. Again on XXXX XXXX XXXX. My father 's name is on my account, because his checking account was 30 days overdrawn, Regions assumed I wanted to be responsible for his debit. Regions did not RESPECT me enough, to notify me in a timely manner, the decision they were making on my behalf. I have over draft protection. Payment was needed to pay on the balance. Regions notified my father through mail. My father contact me. Payment was made, and I continue to make payments on MY debit. Regions SHOULD have shown me the same respect, when it came to my father 's account!!! Regions refuse to refund the total amount citing policy. " When someone has an account with another person, and their account is in collections, we reserve the right to get the funds. '' This is an UnFAIR policy. Making one adult be responsible for another adult 's bad money management. I feel this policy needs to be changed. I am owed RESPECT for being a loyal customer. If this is how Regions treat their loyal customers, I feel it is time to part ways. Word of mouth goes a long way!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Credit decision / Underwriting

Complaint: My credit bureau report shows me being late with my primary Wells Fargo loan and a second lon as XXXX being late./ This is an error. I was late as indicated in my file for the second loan but the first mortgage loans was always on time and was not late. How do I have this changed? I 've written to the bureaus on-line but have never received a response back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus - loan servicer - generates Account Statement before loan payment is taken ( automatically debited from checking account by Lender ). 

Account Statement show loan as past due each month and if loan is not being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 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: Public record information inaccurate

Complaint: I have several liens reporting on my credit file by this company. XXXX and XXXX are not reporting any lien. upon checking my credit report I downloaded today, there is no way to verify that these liens belong on my credit report. The only information reported is a reference number, amount, filing date. I then called Transunion today, XXXX XXXX, XXXX and spoke to a representative, XXXX. I questioned him about the issue. XXXX claimed that what we see on the credit report is also what they can see, meaning they do not see my DOB, SSN nor address linked to the liens they are reporting. I questioned XXXX about the XXXX XXXX XXXX  program and told him that if Transunion 's system does n't show my DOB, SSN and my address, the liens should have been removed last XXXX XXXX, XXXX. XXXX claims that the standards have been applied to the system already and remaining liens where verified. The question is how was it verified if they do not keep records of DOB, SSN or address associated with the liens? He then said they verified the information directly from courthouses electronically. I do not think that the liens reference # s, XXXX, XXXX and XXXX belong on my credit report. He initiated the dispute over the phne and provided me with a file number # 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 08-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (IA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: this issue has not been resolved yet. Although online collection agency has answered and which i appreciate them sending me proper debt of validation, im not being helped when i say this debt is not mine. I have since received the debt validation from Online Collections. I have included XXXX attachments they sent me about them and the debt from my XXXX ( same company that merged ). If you look at the account numbers, its different than the account number that i had when i had XXXX XXXX. 

It took a long time but i have found and attached my last XXXX bills from XXXX XXXX that was in my email. its all time stamped and dated. The account numbers differ from the ones that Online Collections are saying that i owe in XXXX/XXXX/2011. 

How can account numbers change right at the time i stopped service with XXXX XXXX? The address i lived after my last bill is XX/XX/2011 " which i attached a file '', i did not need to have my name in any address after that date. i should not be billed at all, especially an address i do not know of. this could be a simple error on their part but still, not my error or debt. 

This is not my debt that Online Collections are trying to collect from me. I have NEVER lived at XXXX XXXX XXXX XXXX, XXXX, NC, XXXX which is the address of the debt they are trying to collect. 

Making a police report for fraud is out of the question right now since i am working out of state and wont be back to NC until the holidays. I was told i had to make a police report in the same city/county as this incident occured. 

I need this to be resolved, ive been spending hours upon hours finding facts to prove its not mine. my credit report has had many false info that has already been deleted but this is the last one that seem to get no help from even though im providing all necessary info, proof, and documents.

Company response to consumer: Closed with explanation