milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX XXXX my husband and I were searching for a new, larger apartment for our family since I was XXXX at the time. We arrived at XXXX XXXX XXXX and decided this is where we wanted to live. The leasing agent provided us with a Move-in cost sheet indicating that it would cost {$2100.00} to move into the apartment. In order for them to approve us, they needed to perform a credit check and background check and instructed us to complete an application. Within the application it states we have 24 hours to change our minds and if after the 24 hours we are approved and decide not to take the apartment, they would then charge us one months rent equivalent to {$1500.00}. 

More than 72 hours later, the apartment complex called to tell us that we were denied based on our credit and the original costs to move in were no longer valid and that if we still wanted the apartment it would cost us between {$2500.00} and {$2700.00}. We needed time to think because that was not the original agreement and we could not afford such a large amount. On XXXX XXXX, I went on emergency maternity leave and as a result our financial picture changed and we decided there was no way for us to afford the large amount to move in. 

When we called the apartment complex to turn down the apartment they demanded we pay them {$1500.00} for one months rent since we signed an application agreement. We instructed them that we never signed a LEASE, and since they changed the move in costs required of us to move in, it nullified the application agreement. 

We contacted our friend XXXX who is an attorney and the apartment complex refused to speak to him ( and us ). Within a few weeks we received a collection letter from Hunter Warfield. A few months later I contacted the Attorney Generals office who forwarded our complaint to XXXX where they spoke to XXXX, the manager at The XXXX. XXXX agreed that the debt should be retracted. I spoke to XXXX who explained why they sent it to the XXXX credit bureaus but agreed that the debt should be retracted. The Florida Department of Agriculture was unsuccessful in reaching XXXX and Hunter Warfield. 

Thee problem was never fixed and XX/XX/XXXX I received another letter from Hunter Warfield who is still attempting to collect the debt and refuses to remove it from our credit reports, and after disputing it with XXXX, the smear still remains. I also went to XXXX to speak directly to XXXX who denied ever speaking to XXXX XXXX XXXX and could not recall who I was or what my complaint was ever about.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 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: Was not notified of investigation status or results

Complaint: I have requested Transunion XXXX supply me with documentation of their verification of the Bankruptcy on my credit file. Transunion Credit Bureau and XXXX Credit Bureau need to provide me with copies of all documentation associated with this Bankruptcy account bearing either a court order to place this information on my credit report or my authorization bearing my signature. This is the third time I have asked for said documentation from Transunion and XXXX. As of today XXXX/XXXX/2017, I have received nothing from Transunion or XXXX. <P/>Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint with the Federal Trade Commission, Consumer Financial Protection Bureau.

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 09/28/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (MO).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: We simply want this mistake removed from our credit report as they are acting unreasonably in regards to our complaint. 
We had a vehicle loan with Ally Financial financed on XXXX/XXXX/XXXX. We have paid all monthly {$940.00} payments online. We have never been late beyond our grace period with any of our XXXX total payments made to Ally. Our last monthly payment to Ally in the amount of {$940.00} was made online on XXXX/XXXX/XXXX at XXXX pm. Our personal Ally Financial " dashboard '' where payments are made online, said in bold XXXX letters " Next Payment : {$940.00} XXXX XXXX : XXXX/XXXX/XXXX ''. We complied as usual and made our XXXX payment to Ally on time ( XXXX/XXXX/XXXX ) within the allotted grace period. 
We are in the process of purchasing a house. Our lender was finalizing papers when it was brought to our attention that our XXXX XXXX had dropped XXXX points due to an apparent late pay on our Ally Financial vehicle loan. This apparent " late pay '' is described above. In order to proceed with our house purchase, the above must be resolved in a timely fashion and removed from our credit report. 
We contacted Ally on XXXX/XXXX/XXXX to resolve the mistake. " XXXX '' from branch XXXX collections was able to confirm that our payment was indeed made on time and " was not late. '' He was not able to send me an email or fax to show my lender his findings, however he was able to " send a billing statement via mail '' which should arrive within XXXX weeks. We requested to be transferred to someone higher up that would be able to get us something on paper clearing up the mistake, that day, whether it be by fax or email. We were transferred to " Shy '' in consumer solutions. She was of no help and said we had to file a credit dispute which would take a month. 
We will lose our contract on our new house by the time they are able to clear up their mistake and have this incorrect negative removed from our reports. 
We went to our credit union immediately, the same day and refinanced this auto loan to avoid any further " issues '' with Ally.

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 03/30/2016 about Credit card () with DISCOVER BANK (CA).
Issue: Billing disputes

Complaint: Discover emailed me about fraud activity on my credit card. I received the email and contacted them when I got the email. It was determined that the charges were fraud and card was not in my possession. My last known whereabouts were at a XXXX XXXX. I was within rights of notifying discover of my fraudulent unauthorized charges. they instructed me that there is a XXXX XXXX liability on fraud charges. i thought everything was ok until XX/XX/XXXX where i called them on status of dispute and they said they were denying the claim and that i will be billed. i was like why was n't i notified and why is it denied? they said because i had fraud on my account earlier in the year? i did not authorize those charges, i did not do those charges. i asked what im suppose to do to? they said i need to file a police report for them to reconsider. i went straight to the police office. they actually were n't even too happy i was there because they felt i was wasting their time? one officer said he was taking the report as a courtesy. 2 weeks later discover denied it still. i then asked the XXXX police department about it and they told me that discover fraud department are not the law enforcement and they are in no position to be acting like it. by treating me like a criminal, and acting like they were the police really upsets me. i did everything they asked and even went to the police for help, i am running out of options?

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (ME).
Issue: Loan servicing, payments, escrow account

Complaint: Two plus years ago my mortgage company took out an insurance policy on my home when I already had one, then in short subsequently changed my payment amount monthly during a 2 year stint to try and correct this issue. Hence every time I tried to pay my mortgage it was never the correct amount and they would mark me as late. It took me two years to get someone to finally look into this issue. once done, they agreed with my but still refused to correct the damage they had done to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Mortgage (FHA mortgage) with Home Point Financial Corporation (TN).
Issue: Loan servicing, payments, escrow account

Complaint: There are a couple of issues with Home Point Financial : 1. My first payment in XX/XX/XXXX was lost because the wrong account number was on the coupon I was given at closing. When they found it nearly a month later and recorded it on my account nothing was deducted from principal, interest, or balance and nothing was added to escrow ( XXXX ). 
2. I was told at closing to pay my homeowners insurance ( {$820.00} ) myself with the escrow money sent back to me after closing, which I did. Then Home Point paid my homeowners insurance and took money out of escrow ( as should happen ). However, when the insurance company refunded the money to Home point the did not return it to my escrow account. 
These XXXX items total {$1100.00} that should have been in escrow but was not. I have contacted them several times over the last year allowing them their usual 4-6 weeks to investigate, but there has been no resolution. The last time I contacted them I sent copies of my account with the issues highlighted along with their letter to me telling me they had the wrong account number on my coupon at closing and asked them to re-audit my account. Their response was a letter from them 4 weeks later stating that my inquiry on of my account shows my next payment is due XX/XX/XXXX in the amount of {$1100.00}. The payment has increased {$100.00} per month because they said I was {$790.00} short of escrow money where I would have been ahead by {$330.00} if they had refunded the money they owed me. The {$330.00} would have been due to an extra payment I made in XX/XX/XXXX because they sent me a new bill within XXXX days of receiving my XX/XX/XXXX payment. 
I am XXXX years old, retired and on Social Security. With increases in my bills and no COLA increases in income I now do not have enough money to pay all my bills. I do not feel I should have to lose my house because Home Point Financial can not fix their errors and refuse to answer questions. 
Thank you for your consideration, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In   XX/XX/XXXX  I  reviewed my credit report and a  XXXX  account that I did not recognize was reporting on my credit report as a charge off with a    XXXX   XXXX   bal ance. I was informed that I could get a loan with this unpaid charge off on my credit report. I challenged the account with the credit bureaus and Equifax and   XXXX   verified the account.  XXXX  stopped reporting the account. Equifax and  XXXX  referred me to  XXXX . O n  XX/XX/XXXX   I  w rote my first letter to  XXXX  asking for validation of the debt with information on the origins of the account, date opened, date of first deliquency, what was purchased and proof that I opened the account. I was concerned that my identity might have been compromised. I received a generic letter back from  XXXX  in essence stating that the account was charged off and that the balance is {$24000.00}. No information that ensured me that I opened this account or that it belongs to me. I would think that I would remember charging up {$24000.00}. For the record, I do not believe I did.     I have sent two other letters, ( one on   XX/XX/XXXX  and the other on  XX/XX/XXXX  ) s tating that I believe that the  XXXX  account was opened without my knowledge or consent.  XXXX  has not responded to either letters. Equifax and  XXXX  continue to report the account as a open charge off with balance from  XXXX .     It has now been 8 months and I wrote  XXXX  a letter on   XX/XX/XXXX  to c ease all reporting of this account for failure to send me needed documents to show how I have a financial obligation the  XXXX   Credit Cards. S ince this is now my  4th let ter, I can not waste anymore time. I have given them 10 days from receipt to either to remove the reporting or send all paperwork that illustrates that this account is mine. I feel that  XXXX  is breaking the law by not sending me required information so that I can make an educated decision on what to do next. I feel  XXXX  is being punitive by not resolving the issue and that it is my understanding that they can not ignore my request to validate the debt or conduct an in-depth investigation if I feel I did not ope the account.     According to the  C.F.P.B.,  what are my rights as a consumer? I thought the burden of proof was on the furnisher on the data reported to the credit bureaus. Why is  XXXX  exempt in sending requested data to the consumer? I appreciate your efforts in helping me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit card or prepaid card (Store credit card) with WELLS FARGO & COMPANY (MI).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: yes XXXX XXXX put in another credit card under my information useing my ssi number fraud address u need contact her XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 10/22/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: With this school the lies started at my first meeting with school representative. I am now XXXX and had taken early retirement I attended XXXX from XX/XX/XXXX to XX/XX/XXXX. I had been looking for work but my age presented a problem. So I thought if I could obtain some It training I would be more job worthy. I applied at XXXX. I wanted to take XXXX but they said that class was no longer available. XXXX things that were deceptive. I was told cost for class was {$9000.00} which I assumed was a year. But it was per semester. also they always filed the student loans for you all I got was confirmation that the loan was approved. When that money was not enough the school would allow you to take out a loan with them. But this loan had to be paid back immediately where as the Fed Loan gave you 6 months after graduation to begin payments. But they never told me that because I assumed all the loans would be handled the same way the school loan went into collections. I have since paid it off. I personally asked the professor in assembly if the school was accredited he said that it was. I learn now that 's not the case. I really feel bad for the Vets alot of them when there to get their " paper '' saying they have an XXXX degree. I was contacted by a representative of XXXX XXXX XXXX XXXX. stating they could have my remaining debt of {$13000.00} completely eliminated and get the {$10000.00} I have paid into my student loans returned for the small fee of {$990.00}. Is this leget? Been scammed once dont want to go through that again.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I filed a complaint with Bank of America concerning my payments not being correctly reported on my credit report. They sent me letter back saying the reason that it was not posted was because my credit was blocked. I called XXXX on XXXX and spoke with XXXX out of Texas call center and he informed me my credit was n't blocked, it was up to bank of america to post the payments and they did n't post any payments. I also requested my credit report from XXXX as well and it shows that all my payments up until XXXX were posted, with the correct amounts each month. How can bank of america post payments to XXXX agency and not all the agencies? I have confirmed from all XXXX credit agencies that my credit was not blocked, and had never been blocked.

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 02-07-2018 about Debt collection (Auto debt) with CL HOLDINGS LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: To whom this may concern, XXXX XXXX reported my account with a balance of {$0.00} in XX/XX/XXXX. In the attachments provided you will see my last payment date of XX/XX/XXXX. XXXX XXXX is requesting that I provide more information than what has already been updated on my credit reporting. It is illegal for your company to obtain an account without having all of the information. In the next 30 days, I need to view my ORGINAL CONTRACT W/ A COPY OF MY SSN AND MY ID to prove ownership and not identity theft. Reason : Per my credit reporting account w/ XXXX XXXX has been closed sinceXX/XX/XXXX with the last payment being XX/XX/XXXX. I am also requesting my ENTIRE FILE that way your company can be provided all necessary information regarding my payments. If you are unaware of this information you would need to contact XXXX and update my reporting. I have no recollection of any business with XXXX and I would also like for you to prove that I owe XXXX. XX/XX/XXXX I do plan to take legal action thus you have already been provided proof showing debt is not valid and made of abuse of credit reporting. 


XXXX XXXX XXXX Last 4 : XXXX Previous information was submitted XX/XX/XXXX via email after sending correspondence week of XX/XX/XXXX via mail. ( XXXX previously advised they can not received proof via email only mail-stall tatic easy way for company to state they never received and or stall disputing process. ) Orginal disputed information contained snap shots showing XXXX XXXX XXXX balance XX/XX/XXXX last payment XX/XX/XXXX. When following up with XXXX to be sure receipt of information they stated they have received information and requested for me to send them further information such as contract/agreements made to resolve the balance. I then advised XXXX that since they purchased account they should have all information necessary regarding file and should not need me to send anything to verify. If they do not have information they have to go off of what was provided by their client and their client has provided them misinformation per credit reporting. I then sent the above information XX/XX/XXXX with attachments from credit karma showing balance has been resolved. Please help with this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Money was not available when promised

Complaint: I submitted transfer document to Bank of America to transfer two IRA accounts to my primary bank ( XXXX XXXX ) This was done over 1 month ago. When the transfer did not happen I went into the XXXX XXXX branch ( XXXX ) and spoke to the manager and gave him copies of the transfer documents. This was 3 weeks ago. I was told that the transfer would take 5 days. This past Tuesday I went into the branch and spoke to the same manager who assured me he would get back to me asap. I did not hear from him and the money as of today Thursday XXXX/XXXX/2017 is still not transferred. No one at Bank of America seems to know what is going on.You may reach me at XXXX. Thank You XXXX 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 non-monetary relief
Consumer complaint received 12/22/2015 about Bank account or service (Other bank product/service) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: In XXXX, I applied for a Home Equity Loan through BMO Harris. At the start of the process I was told it would take four weeks and close on XXXX XXXX, 2015. Then I was told due to the CFPB guidelines that it would be closed before XXXX XXXX ( " Unfortunately, it is a little frustrating for customers and myself, because the process is taking a little longer than normal due to new CFPB regulations ( Consumer Financial Protection Bureau ). I apologize for the length of time it has taken to process the loan '' ). The loan was not cleared to close until XXXX XXXX, at which I signed the documents. It is now XXXX XXXX and the funds have still not been released. I have spoke with BMO and have been told that the CFPB allows them to begin processing the loan and releasing the funds after 4 business days from the signing of the loan documents. Now where is this stated on the CFPB 's website. I would like a clear understanding and thorough investigation into the practices of BMO Harris.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This account appears on my credit profile twice. The first one shows that the account was paid as agreed, the second one, which is right below it, shows that the account was a charge off. I contacted the 3 credit reporting agencies in or around XXXX XXXX and requested that this information be removed and/or corrected. As of XXXX XXXX this information continues to appear on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Toyota motor credit Corp decided to report my account is opened. The account is charged off and closed. I disputed twice with XXXX and it come back verified and updated on XX/XX/XXXXandXX/XX/XXXX, i called several times to Toyota financial, no one can help there is not much information in system, i send a letter on XX/XX/XXXX, no answer. 
The account reported is open and the same time is a charged off ( the car was voluntary surrender on XX/XX/XXXX) -The balance is incorrect ( credit report .show original charge off {$3400.00}, new past due {$3600.00}, how the balance increased since is closed ) -Closed date is missing ( no date in credit report ) - Last payment made is incorrect ( my last payment was on XX/XX/XXXX ).

Company response to consumer: Closed with explanation