milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I have filed numerous police reports with the XXXX Police Department in regards to the fraudulent accounts and hard inquiries listed on my Trans Union, XXXX and XXXX credit report. I have sent copies of the police reports to Trans Union, XXXX and XXXX. The following accounts and hard inquiries are fraudulent and do n't belong to me : XXXX XXXX, {$1000.00}, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, {$260.00}, XXXX/XXXX/XXXX, XXXX, {$130.00}, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXXt. XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/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 explanation
Consumer complaint received 07-04-2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXGentlemen : I am forwarding a copy of the correspondence I previously sent on XXXX XXXX, XXXX to each credit reporting agency regarding errors on my credit report. I am requesting again that you please correct each error. 

I am also forwarding copies of information faxed on XXXX XXXX, XXXX, to Equifax and XXXX XXXX XXXX XXXX, Branch Manager of XXXX on XXXX XXXX in XXXX. This fax was to provide proof of the fact the Chapter XXXX Case was no longer active in connection with an application I had submitted to XXXX XXXX XXXX for a home equity loan. XXXX XXXX subsequently informed me with FICA scores of XXXX, XXXX and XXXX, I would need to provide proof from the Courts that I had filed Bankruptcy in XXXX XXXX to prevent fraudulent foreclosure on my home. 

The Bankruptcy Case was dismissed in XXXX XXXX. The Court action filed to foreclose on my home was dismissed with prejudice from XXXX XXXX XXXX on XXXX XXXX, XXXX ( CASE NO. XXXX ). My application for a home equity loan was denied until I could produce the evidence although I did not receive this decision in writing. My real estate has been paid in Full since XXXX. 

The foreclosure attempt was XXXX of the XXXX mortgage foreclosure attempts by this building contractor and his attorney reported to each agency over the past 17 years and I have strongly objected to and fought each XXXX. There has not been XXXX successful FORECLOSURE AND REPOSSESSION AS EACH CREDIT BUREAU IS REPORTING. EACH CLAIM HAS BEEN BASED ON NOTHING MORE THAN GREED AND VICIOUS INTENTIONS. 

Based on information and belief, XXXX XXXX is XXXX of owners of XXXX XXXX XXXX, Construction Contractors in XXXX, NC ; and, XXXX XXXX ( XXXX XXXX, XXXX XXXX ) XXXX XXXX is affiliated with XXXX XXXX XXXX XXXX, created by Attorney XXXX XXXX XXXX, XXXX. It has become perfectly clear to me that XXXX XXXX was very much a part of the mortgage fraud scheme perpetrated against me by Attorneys XXXX XXXX, XXXX XXXX, XXXX XXXX, and others by allowing XXXX XXXX and XXXX XXXX to invest our mortgage loan funds in other investments, and stockpile the debt at XXXX XXXX XXXX as construction loans to XXXX. It is a fact the mortgage foreclosure and repossession currently recorded on my credit file is the direct contribution from XXXX XXXX and others. 

I am approaching retirement at this point of my life and have paid in full large consumer accounts. Is that a reason to have your credit score reach bottom level? Please review this and make all necessary adjustments or corrections. 

Thank you for your attention to these matters which are critically important to me. 

Yours truly, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( Comprehensive and Summary Fraud Reports )

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My student loans have always been in Deferment and Forbearance due to my situation at the time. Anytime I took on the deferment or forbearance the creditor re-aged the account and back dated the deferment or forbearance however on my credit report there is some inconsistency. XXXX XXXX XXXX shows I have missed XXXX payments open in XXXX 2007 on XXXX account and XXXX payments on the additional account opened XXXX 2007. The information is reported incorrectly.

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 01/24/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (KS).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: This is now the 3rd time I have contacted the Consumer Financial Protective Bureau regarding this. Are you guys even going to address the fact that wells Fargo is holding my funds and will not let me access my account? I should n't have to go into a branch to access an account that I opened online. I would have preferred to keep the account open, but it has now been 3 months and i have n't been able to access my account. This is completely unacceptable and i ca n't believe the Consumer Financial Protection Bureau allows this.

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 09-11-2017 about Debt collection (I do not know) with Aldous & Associates, PLLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Aldous & Associates , PLLC at XXXX XXXX XXXX, XXXX, UT XXXX are contacting me regarding a debt that I do not owe. They are allegedly calling on behalf of XXXX XXXX located XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX. I have contacted XXXX XXXX who confirmed that they did not refer me to collections. I have contacted Aldous who refuses to provide me with a copy of a signed contract, proof of debt, proof of assignment of debt or any other requested information. 

XXXX XXXX is a licensed retailer of XXXX XXXX. XXXX, a XXXX representative, informed me on X/XX/17 not to contact XXXX XXXX XXXX as they are a scam. 

I just want to make sure that the attempted fraudulent collection of {$20.00} will not affect my credit and that Aldous be stopped from continuing these practices.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: SWC Systems state that I owe their client XXXX {$490.00}. Instead, they 've reported an amount of {$490.00} to the CRA 's, which means they 've misstated the balance due and trying to collect more than the alleged amount. This is a FCRA and FDCPA violation. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05/25/2016 about Mortgage (FHA mortgage) with PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage company, PRMG, is refusing to update the account information from showing a late payment to showing account is current. Six payments due, six payments received. Reporting to Credit Bureaus as late, which it is not.

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 12-09-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Servicer is not counting PSLF eligible payments citing payments were made over 30 days before deadline to pay. This is not a rule per Dept. Of Education. It just stipulates no late payments. Servicer sends bill to me well over thirty days before payment is due and I pay it within days of receiving the bill. Then they just do n't include it as eligible. They make up their own rules. Their phone reps misinformed me on my XX/XX/XXXX payment, saying I only need to pay a {$700.00} amount. I later found out this would not count towards PSLF. They also said in XXXX that I should make a payment around {$1000.00} to cover capitalized interest just ad my graduate school grace period ended and this payment was not in my best interest for PSLF. They routinely misinform via phone on the best payment strategy to qualify for PSLF and undertally PSLF qualifying payments. I have filed a complaint with the Ombudsman through Dept. Of Education but the end result was unchanged. They should reimburse the overpayments they accepted which they did n't apply as PSLF eligible and apply elifible payments without this erroneous uncited reasoning of paying over 30 days before due date when they send a bill beyond thirty days in advance and do n't state anywhere that such a stipulation exists.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: XXXX   I disputed some items on my credit report. I asked all   XXXX   credit bureaus to verify the information, asking for a contract showing my signature as well as an accurate date of last activity. I have received no such information only all   XXXX    saying it was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (NY).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX I called CITI mortgage account number XXXX to pay an extra month in hopes of paying on the interest for the month. My normal payment was set for XX/XX/XXXX and this is set for Auto-pay. ( Note my account has been on Auto Pay for the entire year ) XX/XX/XXXX CITI attempted to deduct the normal amount/extra payment I set up, and in unbeknownst to me the payment did not process. At that point in time CITI without my knowledge suspended all Auto pay features and without my approval. Two months passed and I was under the impression the bill was getting paid as usual. However, since CITI stopped my auto pay, I am now two months behind on my mortgage and they reported the late payment to the credit Bureau which will no adversely effect my credit rating. Additionally, the sold my loan to a third party servicing company without my knowledge and approval on XX/XX/XXXX. I called CITI to have them correct the reporting, but they told me they were not able to assist.

A fair resolution would be to have the late payments removed from my account and history as well as advise a consumer that when they attempt to make and extra payment outside of auto pay, that the auto payment feature will be cancelled without cause. Lastly, as a consumer they should not be able to sell my loan without notifying me or approval. I 'm currently working overseas in support of the 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 06/15/2017 about Vehicle loan or lease (Loan) with Avid Acceptance, LLC (VA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: First of all, I owe more than what the vehicle is valued a difference of over {$12000.00}.   I was initially told that the fact I missed a payment in  XXXX  I was never caught up, which I have never been over 30 days late. I also did not miss a payment, I overpaid and the customer service representative stated that I did not have anything due till  XXXX . They also tend to make threatening phone calls, stating they will repo your vehicle even if you  are 1 or  2 days late and after they repo the vehicle they will also garnish your paycheck. They charge daily interest fees which was not included in the contract and they are also not willing to work with you on your payments, no matter what the situ ation may be. Unabl e to trade in the vehicle due to the value and loan amount still owed on the vehicle, which is literally the same amount of a new vehicle. With the extreme interest rates and finance charges and fees, one would never be able to pay off a vehicle with this company, you will literally be stuck. I do n't understand how this company is even in business or able to conduct business.   Please READ the contract before signing, especially if it 's AVID ACCEPTANCE!   They are worse than havin g a Student Loan!

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 10/26/2017 about Checking or savings account (Checking account) with BANK OF HAWAII CORPORATION (MD).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Bank of Hawaii is refusing to provide copies of checking account agreements and signature cards. They refuse to do so absent a court order or subpoena according to their customer service representative and the 'supervisor XXXX '. They will also not provide their names or employee ID so there is NO accountability. This is poor customer service. They only provide a single phone # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Mortgage (FHA mortgage) with PLAZA HOME MORTGAGE, INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I took a XXXX mortage thru plazza home mortage. They had me put {$3500.00} extra in escrow. They have since lost the {$3500.00}. No one will speak with me. Have been calling since XX/XX/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 10/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CO).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I am a Discover Card Client and I was approved for a {$3500.00} credit limit months ago. I have had to use my card a lot lately due to some financial struggles but I have never missed a payment with Discover. I traveled for work this past week and rented a car and had to put my rental payment on my card. I had plenty of credit to make the charge and then tonight I go to use my card to get gas and it was declined. I knew I had credit on there but I get home and get an email stating that I had a message from Discover. They sent me a message stating they did an account review and they lowered my limit from XXXX to XXXX and because of the trip charges it puts me over the credit limit by XXXX which destroys my credit rating with the credit bureaus. Discover had no right to do this, but they chose to let the charges be put against my card even though they said they made this decision on the XXXX. My XXXX car rental charge was put on the card on the XXXX. They have screwed me, they had no right to lower my credit limit and then allow charges to go against my card. I have never missed a payment with Discover and yet they do this to me. This is not right as they are jepordizing my credit score and they do not care about how this is impacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Problems caused by my funds being low

Complaint: I had to withdraw a sum of cash from my checking account with Bank of America. I had calculated how much I could with draw and cover an online debit against my account. I miscalculated. The debit occurred and overdrew my account by {$.00}. Bank of America sent me an email saying there would be no charge. Then they charged me {$35.00} and then an additional {$35.00} the next week for the overdraft. I have been a long time customer of Bank of America ; since they bought my original bank in the late XXXX. I have never complained. I called Bank of America. They refunded {$35.00} but refused to reimburse the additional {$35.00}. I find this highly excessive -- {$.00} overdrawn generates a {$35.00} fee. I spoke with a manager, XXXX XXXX, and he refused my request. This is beyond usurious. I am retired and on a fixed and limited income. I pay {$16.00} a month for the priviledge of allowing Bank of America to " manage '' my money. This is a drop of water to the XXXX dollar Federally regulated Bank of America corporate entity. It could have easily been remedied by XXXX XXXX but he stonewalled me with corporate policy ( that he would not provide me ) and the he was the final appeal for me on this issue ( although he did give me the name of his manager who I feel would have been an avenue for my appeal. )

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 monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ConServe (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was never notified that I had an outstanding balance with the XXXX XXXX XXXX XXXX XXXX. I have an still enrolled and have paid for clasees now and have not had a notice of delinquency. I also never received notification from CONSERVE collection agency was attempting to collect a debt. I found out by looking on XXXX XXXX. 

The account with Conserve was paid on XXXX. It is still however being reported in XXXX. So my paid collection is not 11 months old it is 1 month old or new, drastically lowering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I wrote the credit bureaus and explained the late pays were incorrect. They did not change them. 
Attached are bank statement copies for each month reporting late for XXXX showing I paid on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: GE Capital called XXXX times between XXXX/XXXX/15 and XXXX/XXXX/15 about my Sam 's club credit card. My hours were cut at work from XXXX to XXXX per week so my XX/XX/XXXX payment I could only pay them {$100.00} instead of {$180.00}. The XXXX times they called they wanted the other {$83.00} even though I told them my hours had been cut and this was all I could afford. They conyinued to call stating they were tacking on late fees until I finally blocked the calls on my phone. I believe this is harassment. I 'm sorry I ever got an account with them. I have n't used the card in over 3 years and all it does is go up. When I reached the limit I stopped using it and all they did wa tack on more fees and a high interest rate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-11-2015 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I enrolled in a payday loan debt consolidation program XXXX ( XXXX ) in XX/XX/XXXX owing XXXX lenders @ {$300.00} each. I finished the program in XX/XX/XXXX after XXXX withdrew {$400.00} each month for 6 months. I was promised a closure letter and finally received it XX/XX/XXXX. In addition, XXXX of the lenders sent me a letter stating that they had not been paid and that the item was in collection. This is true and my credit score has been adversely affected. XXXX XXXX, manager at XXXX XXXX XXXX XXXX states that they have been paid yet I have requested a proof of payment as recently as XX/XX/XXXX and have not received it. I contacted Ad Astra/XXXX and they state they have not received any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Credit card debt) with ARS National Services, Inc. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX XXXX and ars Live wa state received community discharge for my spouse ch XXXX bankruptcyXX/XX/XXXX -gave XXXX  XXXX case number and attorney info etching Emailed the bankruptcy dept of XX/XX/XXXX including court documents Lawyer emailed them as well Credit report says charged off Informed them about community property and section 524 ( a ) ( 3 ) and I have no separate property. 
XX/XX/XXXX relieve letter from ars national services Inc seeking collection of XXXX for XXXX of my XXXX XXXX accounts included in discharge. The lawyer refuses to help us without us paying him more which we do not want to do based on limited funds and we found to many errors through the bankruptcy process due to his office misplacing and or forgetting certain creditor info multiple times. 
Last time I tried calling ellan financial for collections on harborstone account they refused to acknowledge the community discharge and hung up on me twice. The reason he filed solely was because I had filed when lost my house in XX/XX/XXXXso I couldn't and lawyer advised us to do this way even though the majority of our debt was in my name. Now my credit went from XXXX to XXXX and I feel like I'm constantly in distress about our families future and I don't know how to proceed. All efforts seem to be waisted

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am trying to refinance my Mortgage. A Credit report was pulled and an item for XXXX is listed on my trans union as a collection chargeoff. I called them at XXXX and they stated that the account number was not my account. I said I know that, please tell the credit bureau so it can be removed. They said we did not and would not report it because it does not belong to you. I said they please give me a letter stating that, they no. I called back and spoke with a different manager twice and they said no as well. There address is XXXX XXXX XXXX Ut, XXXX. They had to report for me to have their information. I just need it removed please.

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