milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XX/XX/XXXX my identity was stolen in XXXX Nevada they moved to XXXX opened a phone in my name never paid on the bill my identity has been traveling all over recently in XX/XX/XXXX I notice a loan being taken out of n my name I do n't have loans I do n't need a loan and to top it off I have been having problems with XXXX paying my doctor bills because of their system always saying inactive when it 's active. I show several bills on my credit and I need them off because the insurance should have taken care of it I called I complained I sent the copies to the welfare office on XXXX in XXXX Nevada. They should have all my documents I should have a clear report by now I filed bankruptcy in XX/XX/XXXX because XXXX did not pay none of my doctor bills while I was XXXX and not the hospital bill rounding out to being XXXX I had to have my father pay XXXX to get me out of debt to a lawyer. And wait 10 years for t to come off I do not want to have to do that again. So please tell me what I need to do to get these bills out I am not working at this time I can not pay thousands of dollars especially when I have had insurance for and they are n't paying for it.

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 01-05-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Hello CFPB- I have a new single point of contact at BofA who I spoke by phone yesterday XXXX/XXXX/17. She gave me a deadline to submit my change of circumstance info by XXXX/XXXX/17 in search of a modification. During the discussion I shared with her that I am able to resume paying the amount on my monthly statement, but the BofA will not accept it. This is due to the sale date they posted on XXXX XXXX, 2017. I have recently doubled my income and when I was told it is still not sufficient I asked how much more money do I need to earn. And here is the standard answer from everyone I have spoke or emailed with at BofA. To paraphrase, The BofA does not make that decision, that decision comes from the guidelines set down by the investor. She suggested I contact them. What follows is close to the language and describes what seems to be an intentional effort to not disclose. BofA names XXXX as investor, and the BofA as servicer is required to reveal the investor. In contacting XXXX by email and phone via a recorded message, XXXX states they are not the investor, but a Trustee for certificateholders of XXXX, XXXX My research revealed that XXXX is Countrywide , and BofA owns Countrywide . 
The result is that I and other homeowners are kept from accessing vital information. I told my BofA rep that I am in the running for XXXX full time jobs in which I am asked to state what salary I want. I need vital info from BoA what amount they demand so I can key it to these XXXX jobs. I shared this information with my BofA rep and told her that XXXX refers all decisions like income level are generated by BofA. My BofA contact became defensive and reaffirmed XXXX is the investor and makes the decisions, not BofA. 
I saw no reason to pursue this conversation in that she was getting agitated, and told her I would have the necessary docs ready when she will call, XXXX Fri XXXX. Shortly after this call I received a email stating that my file was declined though my docs had not been submitted. A later email stated that no further sale dates will be considered, thus my home will be sold Thurs XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is a follow up to my first complaint. This name is not my correct name. Look at the incorrect spelling of the last name on the statement and the card they issued. They are reporting it on my credit report as delinquent and as resolved with me at fault. This is wrong. Please help me.

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 04-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX has totally let the breach of XXXX totally cra violation and ftc XXXX my report up enclosed are the violatons XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - - XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3000.00} {$3000.00} XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$750.00} {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX 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 08/29/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX, Bayview Loan Servicing became the new company that took over my loan from XXXX XXXX XXXX who took over my loan from XXXX XXXX XXXX. After years of trying to get a loan modification from XXXX. 

Bayview started a loan modification for me in XX/XX/XXXX. After losing " sent '' files and other mishaps by the Bayview that prolonged the modification process for months. 

In XX/XX/XXXX and XX/XX/XXXX I received two " drive-by '' appraisals on my property which were totally incorrect. I had in XX/XX/XXXX, gotten an appraisal on my property. 

After getting turned down for a loan modification for a mistakes, like not recording documents that were sent to representative to name a few things that Bayview had made. I appealed the decision of denying me a loan modification. 

As I wait for the appeal to be completed, to my surprise I receive a " posted notice of foreclosure date '' on my property stating that a foreclosure sale is scheduled for XX/XX/XXXX. I have never received a disposition on my appeal but Bayview has hired XXXX XXXX to sale my property. 

This seems like Dual Tracking which is unlawful for a loan service to do as an appeal is still pending. I have not received anything regarding my appeal but a foreclosure sale is scheduled for XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Using a debit or ATM card

Complaint: I OPENED A TD BANK ACCOUNT XXXX XXXX, 2015, WITH {$490.00}, AND SUBSEQUENTLY, TD ASSESSED ME " OVERDRAFT CHARGES, THAT THEY ASSERT I AGREED TO ALLOW, ( I AM A SENIOR XXXX YEARS OLD ). MY N.Y..XXXX. CULTURE SENSED THAT THIS HAD HAPPENED OFTEN TO NEW CUSTOMERS IN THE SAME WAY THAT THEIR REPRESENTATIVES, " DEMANDED '' ' I PAY THESE FEES '', ( MORE THAN {$170.00} THAT WOULD, " ZERO OUT ), MY ACCOUNT. WHEN I WAS PAYING SMALL AMOUNTS TO, MY-TD ), DEBIT CARD ; IT NEVER ADVISED ME THAT OVERDRAFTS WERE BEING MADE AND CHARGES WERE BEING ASSESSED OF {$35.00} EVEN FOR A {$3.00} XXXX ICE CREAM. THEY SAY I AGREED TO THIS AT THE BRANCH BUT I DID N'T UNDERSTAND THAT THEN. WHEN I SAID I WOULD CANCEL MY ACCOUNT THEY SAID, " THAT THEY WOULD NOTIFY EVERY BANK IN THE U.S. NOT TO LET ME OPEN ANOTHER ACCOUNT. CAN THEY DO THIS?.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: NEED TO REMOVE XXXX XXXX XXXX FROM ACCT XXXX AS AUTH USER.

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 02/14/2016 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (FL).
Issue: Managing, opening, or closing account

Complaint: I have been with Rushcard since XXXX, and this year as been the worst experience I have had with this company. In XXXX of XXXX I received XXXX fraudulent charges from XXXX different XXXX in GA within a minute apart. At the time of the charges I was at work in XXXX, FL. I contacted Rushcard and reported the charges. They advised me I had to fill a form and send it back and after 10 days I will receive a provisional credit. I received the credit. Fast forward to XXXX XXXX and i was charged again for the same charges, being advised that they did not find anything wrong with these charges, but they can not advise me of their finding or anything. Every time i call i am being advised of misinformation from the reps, they are not nice and do not care. They have an oh well attitude. I also received a new card and for the past 3 days I am unable to access any funds from card because the security code on the back of the card is not good. I spoke to someone on XXXX XXXX, XXXX at XXXX and they advise that they will be expediting my issue to corporate so that they can manually activate the card and it will be completed in 24 hours. i called back later that day to check the status and i was told that it was never expedited and they were doing it then and that was at XXXX. I called back on Friday and was advised that it takes 1-2 business for expedited issues and Monday was holiday so my issue will not be resolved until Tuesday or Wednesday. So now i have no access to my money, or direct deposit. I am unable to buy food for my child, put gas in my car, purchase my child 's medication or pay my cell phone bill because the people at Rushcard keep telling me sorry for the inconvenience. Currently my cellphone will be off because i have no access to pay for it and my life is going downhill because i can not pay my bills. and they are basically telling me i have to go almost a whole week with NO MONEY!!!!!! That is not fair and that is not how you treat customers. This as cause me so much stress and grief that i do not know what i am going to do and no one there seems or want to help or attempt to help or care about the fact that i have a child that i need to take care of and i only have {$2.00} dollars to my name and i am a single parent. I would not recommend this company to no one because when it comes to solving problems they are not good at it and they do not care that you have a life as well and everything as to be done with sending an email. And their phone system for some reasons always hangs up on you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BB&T CORPORATION (FL).
Issue: Credit decision / Underwriting

Complaint: I have been applying for a refinance of my condo mortgage since XXXX/XXXX/16!! 
Mu mortgage holder is BB & T I have been approved for 4 weeks and continue to wait for results $ $ $ I have contacted every complaint Dept. available!! Please advise!!! 
my name is XXXX XXXX tel. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl 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 12/16/2016 about Credit card () with CITIBANK, N.A. (SC).
Issue: Credit line increase/decrease

Complaint: Account was paid in full on time and closed. XXXX did not report late payments until this account was closed. I have XXXX other XXXX accounts in good standing. If I never paid on time why was more credit extended with credit limit increases.

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 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: On  XXXX   XXXX ,   XXXX   I sent a certified letter to Transunion regarding unverified negative items being reported on my credit report. I specified that I was requesting TransUnion to comply with the federal law and send me the original signed documentation/contracts showing my signature on these negative items that they are verifiying on my report After Transunion 's " investigation '' the negative items came back as being verified with no documentation with my signature that is required by the FCRA. I have spoken with numerous reps at TransUnion regarding these negative items and have yet to get this resolved. TransUnion has told me that their " verification '' consists of sending an electronic message to the courthouse or company through  XXXX . Once the court or company " verifies '' it, the information is sent back to the credit bureaus. I contacted the court and they advised me they DO NOT disclose, release, or verify any information with the credit bureaus or an y 3rd parties. I decided to call TransUnion back, spoke with another rep this time and they advised me  that the information is verified by a runner that goes to the courthouse to " verify. '' I asked what information does the runner give to the courthouse and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that so I spoke with a  manager that stated that since this was a reinvestigation, no runner was involved. The manager  advised me that TransUnion uses a " form '' that they send to the courthouse. I asked what type of " form '' and where is it sent because the courts confirmed with me that they DO NOT verify with the credit bureaus. TransUnion refuses to give me physical documentation ( whether tangible or electronic ) that they use to verify these items on my 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 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: This is the fourth time in recent history that a potential Lender has been unable to hard pull my Equifax credit file. Equifax says absolutely nothing wrong on their end, but XXXX, XXXX XXXX and XXXX all get the same " no data available '' response from Equifax. My most recent response to the same complaint resulted in Equifax sending me a paper copy of my report. This is not what I asked for!!! I WANT LENDERS TO HAVE ACCESS TO MY EQUIFAX CREDIT FILE!

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: I have been trying to Get Wells Fargo to stop a reoccurring charge on My checking account from a company in XXXX that I never authorized. The charge has been happing for 3 months in a row for {$50.00} and Wells Fargo is telling me there is nothing they can do and close the dispute ( twice ). I do not want this company sucking money from my account anymore!

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 07-04-2016 about Credit reporting () with CORELOGIC INC (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Credco in XXXX XXXX, CA did XXXX hard credit inquiries XXXX day after the other on XXXX XXXX, 2015 and XXXX XXXX, 2015. I have no idea why they would pull XXXX hard copies reports on 2 consecutive days. I may have authorized XXXX, but, never XXXX in XXXX days. This is hurting my credit rating and XXXX should be removed as it is clearly a duplicate.

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 08-01-2017 about Debt collection (Medical debt) with Valley Collection Service, LLC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Just checked my report and noticed a debt in collection from someone or company that I 've never heard of before in my life for a debt amount I have no clue about. Need help.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am growing so frustrated wi th Macy 's  not correcting wrong information under my credit card account on all of my credit reports. I used to have an account wit h Macy and t he number was #  XXXX . The account is missing many many months of information but in  XXXX  of    2013 it i s displaying a 30 day late and this is not correct and it is terribly damaging to my financial life. I have never been late w ith Macy 's, a nd when I had problems processing a payment it was due to the associates errors and lack of communication fro m Macy 's w ith me. I have always made my payments on time and I already disputed this information nicely and asked that they fix the 30 day late displayed and I was told by a manager that that would be done but it had not in a long time so i filed a complaint on this database. This is actually my second complaint and I was so appalled to see that they had " verified '' the information and put false notes on my credit report claiming that their information was FCRA verified.   THIS IS NOT TRUE! How can they say something is FCRA accurate when they have not provided me with any proof or documentation as to how this late occured, especially after I brought it to their attention that the way and the timeframe as to how the associate handled my payment was confusing. This company is lying to people and refusing to follow the law and they simply do n't want to be wrong, that is how it seems to me.

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 01-07-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Student loans are more than XXXX and have been closed with original loan servicers paid off and are XXXX through XXXX for XXXX they are no longer delinquent since XXXX. Bankruptcies were XXXX or dismissed but still reporting violating confidentiality. Collection accounts for utilities companies are invalid. Accounts remaing after bankruptcy XXXX. Request removal of all inquiries. This prevents my family from for qualifying for any mortgage. No change in my credit score since bankruptcy XXXX and have opened new auto loan and credit cards. XXXX Equifax and XXXX are the violating companies.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Delinquent account

Complaint: I have had a Macy 's credit account for years with no problems, as the attached screenshot of my credit record shows. About a year ago, I made a purchase at one of their stores, one of many purchases I made at the holidays. I did n't receive a bill, but did n't realize it because I 'd done a lot of shopping, and because I deal with a lot of transactions and bills in my position as a business owner. In addition, I depend on receiving bills so that I remember to pay them. Months passed, but I never received a bill, a call or an email from Macy 's, despite all of my contact information being readily available. I had no idea there was any problem. 
In XX/XX/2016, I received a somewhat rude call from Citibank telling me that I owed Macy 's money. I had no idea what they were talking about, and they could not or would not give me any information about why they were calling -- I actually thought it was a phone scam, so unprofessional and unhelpful were they. A week or so later, I was at a Macy 's store and thought I could investigate the problem there. No such luck, and a call to the general credit department number took me to their 3rd party collections company as soon as my account number was entered. Again, these folks could n't or would n't tell me anything about my supposed bill. A week or two later, I was finally able to get someone at Macy 's to tell me what I bought, where and when -- why on earth should obtaining this information have been so difficult?? This person eventually provided me with a mailing address and I sent Macy 's a letter and a check for the entire amount ( less than {$100.00} ). Getting to this point took roughly five calls to Macy 's to get someone who a ) was in this country and understood the situation well enough to do something about it ; and b ) would n't send me to back to Collections, even when I asked ( begged ) her not to send me there again, since they could n't or would n't provide me with any details of the transaction. 
As if this were n't bad enough, when I checked my credit report last week, I saw that this account was reported as delinquent and sent to Collections, which has put a big dent in my credit and caused other companies to charge me more for their services. I feel this is unfair, unwarranted and Macy 's should have to repair the damage : I did NOT receive a bill from Macy 's, and was told that once the account balance owed goes past 30 days, it 's sent to Collections. What??? No email, no call, no late fee and interest added to next month 's bill?? Then nine months later, I get a rude call without any information I can use to figure out what happened?? And now my credit is damaged and other bills are going up because of it?? That 's not okay.

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