milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with DEBT 0, INC (FL).
Issue: Fraud or scam

Complaint: Dear CFPB, Hoping your help in solving this so unfair situation where after more than {$10000.00} wired to this company, just the 50 % was applied to current debts. At least is good to know " XXXX XXXX '' is talking about same numbers we mentioned, however, conveniently for them, records has not been checked in a proper way. As known : Debt restructure program started at XXXX with the debt enrollment of {$14000.00} ; Target for Creditors Settlement {$7100.00} and a Settlement fee for Debt 0 {$2900.00}. This Debt restructure was revised in XXXX, and is the used settlement used for below calculation, with the debt enrollment of {$19000.00} ; Target for Creditors settlement {$10000.00} and Settlement fee for Debt 0 {$3800.00}. ( exhibit # 11 ). As explained in previous message, ( complaint email ),  per your XXXX XXXX own delivered numbers, Debts paid by them on our name are : XXXX XXXX XXXX : {$2300.00} ( Exhibit # 3 ) - XXXX {$1200.00} ( Exhibit # 4 ) - XXXX XXXXXXXX XXXX XXXX : {$2200.00}, paid {$1500.00} ( Exhibit # 5 ) - Afni {$38.00} ( Exibit # 6 ) A total sum of these debs is : {$5000.00}. Adding the total Settlement amount to pay to XXXX XXXX : {$3200.00}, the Great Total is : XXXX. As per XXXX XXXX numbers, the amount of money wired by us to XXXX XXXX is a total {$10000.00}. In conclusion, by simple math, the amount of money to be returned must be : {$1900.00} instead of the {$880.00}. We received an email on XXXX XXXX, XXXX, signed by XXXX XXXX, XXXX XXXX, representative, indicating all the settlement to be paid by us to XXXX XXXX was already paid, thus, the statement on response of XXXX XXXX does not have any support. Questions are : How come, even, because the lack of communication from " XXXX XXXX '' we had to stop wiring funds, " XXXX XXXX '' has collected from us the total amount of money established on the settlement already, if these companies are not allowed to charge to customers in advance? In same email, XXXX XXXX indicates they already had the money to pay to XXXX XXXX for XXXX XXXX account, why didnt they do it? 3 ) Where is the copy of agreement " XXXX XXXX '' did with XXXX? NOTE : Mentioned email can be attached for your records immediate your request. Regards, XXXX XXXX XXXX XXXX and 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 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have reached out to Transunion and XXXX several times to make correction to what is reported on my credit history : 1. Transunion is reflecting 5 derogatory accounts on my credit history when there 's only 1. For example it shows my student loans as being delinguent when in fact if you review my payment history you will see that i have always paid on time and paid what is expected. I disputed this several times yet there has been no correction. 

2. XXXX is also showing 3 derogatory listings on my account when there only should be 1. I have disputed this several times as well and still no changes. 

Similarly I reached out to these agencies regarding the hard inquires and the incorrect reflection of these hard inquiries stating that not all of the companies received permission to run a hard inquiry but this information is still reflected on my account. I am not sure what to do at this point with the incorrect information reflected.

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 01-06-2016 about Debt collection (Credit card) with Gatestone & Co. International Inc. (RI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Gatestone & Co. International XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX DE XXXX REF # XXXX XXXX Collection agency made contact with my XXXX father before even making a phone call to me. They asked him if he was XXXX XXXX ( An Authorized Person ), he said no. They proceeded to release all of the details of the debt, ways to make payments, and how he ( My Father ) could help me pay. They then disclosed that I was on XXXX with my employer, that they had contacted XXXX of my previous employers inquiring about my work status. I called them back and they tried to tell me that my father had answered all of the " security questions '' right, like my social security number, Date of Birth, and address. My father does not know any of this information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/20/2017 about Debt collection (Payday loan) with KAHRS LAW OFFICES, PA (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Garnishment sent to my employer. Different name and info on acct. believe also wrong social. Attempting to take money from my job even know this is not me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (IN).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: On XXXX XXXX,2016 are vehicle was totaled, the total payoff was {$8200.00}. On XX/XX/XXXX our regular payment came out of our account for {$350.00}, we had automatic payments set up from the beginning of the own. At the end of XX/XX/XXXX our insurance paid {$7600.00} and our GAP Insurance paid {$640.00} in XX/XX/XXXX. On XX/XX/XXXX another payment of XXXX came out of our account. Between car insurance and gap insurance the car was paid off. The loan company sent us a check for {$280.00}. The loan company owes us for two full payments that would be {$710.00}. I spoke with loan company on XX/XX/XXXX and the lady said she would put in for a 5 day request to review my dispute. I called back on XX/XX/XXXX and was told it was up for audit on XX/XX/XXXX. I called back on XX/XX/XXXX and now they are saying it is up for audit on XX/XX/XXXX and it would take another 21-30 days. To me it is simple add and subtract but they keep dragging it out.

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 05/26/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: continued charging of property inspection fees when ocwen knows the property is owner occupied.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Bank of America has reported me late to the credit bureaus on a Home Equity Line of Credit. I contacted BofA and asked for the reporting be corrected. I work in a XXXX XXXX. For some reason BofA was not including the XXXX  number on the monthly statement. I have other account with BofA, business & personal checking, these statement does include my XXXX number in the address. 
I contacted BofA and requested a correction to my credit report. BofA told me I needed to file a dispute with the 3 credit bureaus. I filed a dispute and included copies of the monthly statement with the insufficient address. I later received a letter stating, information reported is accurate from the bureaus. 
According to the Fair Credit Reporting Act, It is the creditor responsibility to make sure they have the correct address for the consumer. This reporting should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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: all three credit burea have all avoided proof to change the situation on my credit report. XXXX is inaccurately reporting on my credit report, i have disputed with equifax, XXXX and XXXX countless times with no luck

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. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: " Transunion '' , ( along with  XXXX  &   XXXX   ) has b een reporting completely FALSE information about me for months now. I have tirelessly paid off my credit card bills by at least 85 %, and they still have me at an ENORMOUSLY HIGH level of credit card use. This is SEVERELY HURTING me, as I have been trying to trade in my car, and should be AT LEAST  XXXX  pints higher on my Transunion  Credit Rating.   They have a plethora of misinformation from my company being called  XXXX   XXXX   (  which Ive never even heard of ) to OLD ACCOUNTS that were  discharged  in bankruptcy YEARS ago and are suddenly popping up NOW. I have spoken to their RIDICULOUS and RUDE OUTSOURCED operators. I have sent them letters. And NOW I have spoken to the most powerful CLASS ACTION attorney in the country who agrees with me 1000 % on Transunion 's UNFAIR and ILLEGAL business practices, as they are doing the SAME THING to   XXXX   XXXX   of THOUSANDS of people. They transgress FAIR CREDIT REPORTING LAWS, AUDACITY LAWS, and a plethora of other LAWS ... THEY NEED TO BE PUBLICALLY called out on their unfair consumer practices and I believe they should be SHUT DOWN in entirety.     I sent the " Above '' complaint to the BBB ....   After ALL of that, Transunion NOW has created a NEW ALERT that I have NEW EMPLOYMENT with  XXXX   XXXX !!!! Was it NOT CLEAR that I have NEVER HEARD OF  XXXX   XXXX ?????   They are SO OFF and SO DAMAGING ...   I can not believe that they are allowed to RUIN my life in this way ... ..   EVERY CREDIT CARD is paid off.

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 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have tried several times to get accuracy of this account to show that it belong to me. The original creditor has failed to do so. With my right of Fair Credit Reporting Act, to my knowledge, You are required to notify me within five 5 days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. Between XX/XX/XXXX and XX/XX/XXXX this file was re-inserted on my report. This company is causing financial distress as it making it hard for me to obtain creditworthiness.

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 07-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion had a glitch in their system when I was in the process of buying a home. When I was going through the approval process, my credit report from Transunion did not have any inquiries. When my approval was in it 's final stages, there were XXXX inquiries that showed up on my credit report and now my pre-approval is in jeopardy. I have tried to contact them however, they have kept me on hold for at least a hour on both instances. I just want them removed so that i can have my loan approved.

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 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX AUTO FINANCE Inquiry Date XXXX, XXXX XXXX. XXXX MORTGAGE via XXXX XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX. XXXX XXXX CO XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX via XXXX XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry Date 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 08/25/2017 about Credit card or prepaid card (Store credit card) with WELLS FARGO & COMPANY (GA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: The problem I have was n't listed, so I choose what I thought to be the closest. My account was paid up, XXXX balance. I made the mistake of not deleting Wells Fargo from my payment calendar and on XX/XX/XXXX made a XXXX payment. When I realized the account had been paid off, I called my credit union to stop the payment but it had already been sent to Wells Fargo. I called Wells Fargo and they said they had n't received it but when they did, it would be credited back to my credit union account, in 5-10 days. On XX/XX/XXXX I still had n't received a credit to my credit union account, so I called WF again and spoke to XXXX in cust service. She said on the day I initally called, they had system problems and the transaction had not been processed and she would submit again. Check would be mailed, account not credited, in 7-10 days, by XX/XX/XXXX. On XX/XX/XXXX I called WF again because I had not received a check. I was told it had not been completely processed but as soon as it happened, the check would be mailed. I asked the man when the processing would be complete and he said he could n't give me a time frame. On XX/XX/XXXX I called again and asked to speak with a supervisor. I was connected to XXXX. He said a check for XXXX was sent to me on XX/XX/XXXX. I told him I never received a check and had no idea where the extra XXXX came from. He said an affidavit would be sent out in the next three days fo me to sign, saying I had n't received a check. Upon sending affidavit back, a check would be issued in 7-10 days. Address was confirmed. Today, XX/XX/XXXX, I called back since I have n't received anything. Asked for a manager and was connected to XXXX. He said no affidavit would be issues for anything under XXXX and that a check had been sent to me and cashed on XX/XX/XXXX for XXXX. He said there was nothing he could do since there was a check cashed and he could n't verify I had n't cashed it. I went back to look at all my deposits from XX/XX/XXXX though today and there is n't a deposit for XXXX, XXXX or from anything other than my pension, SS, deposits from my kids when I babysit my grandkids or when I transfer to checking from savings account. He insinuated I could have cashed the check, for cash and just 'forgot '. I told him if I had done that, I certainly would n't be going through all this for XXXX and informed him I was going to file with FTC. He then connected me to the Executive Office. I spoke with XXXX who has created a case with their investigation dept. Case # XXXX. Agents name is XXXX XXXX. She is suppose to contact me in 4-5 business 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 non-monetary relief
Consumer complaint received 11/29/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I disputed this account with the company due to identity theft and they failed to provide proof that the account belonged to me and failed to removed it from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (Credit card) with TRANSWORLD SYSTEMS INC (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I owed money to XXXX for their XXXX XXXX which was paid in full, confirmed by them, during a garnishment in XXXX 2015. I got my mid month pay statement for XXXX 2015 and once again, had a garnishment. I contacted XXXX who advised me to contact TSI. I called XXXX and spoke to XXXX. I told him that XXXX confirmed that the debt did n't exist and he told me that they would not know that information. That the ORIGINAL CREDITOR would not know whether my debt was paid off or not. I was told that the US Treasury would be the only agency that would know and that they would not tell me any information. None of this conversation sounded correct to me. I would like someone to look into this, especially since I am receiving only {$560.00} a month in my pay due to TSI collecting it. I am XXXX military and can not support my family off of this small amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (FL).
Issue: Trouble during payment process

Complaint: This is a 30 year fixed mortgage with DiTech, however the keep changing the monthly due amounts every month. It has been changed 3 times in 3 months, going up, then down, then up higher. each time a {$20.00} difference So when they do n't receive the exact amount and received the amount that is the same as the previous month they charge a late fee. The late fee is bigger than the difference in the payment amount.  <P/> They do not send statements on time, so they are trying to trick me, an successes in paying different amounts. This is a game of gotcha

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Payoff process

Complaint: This complaint is regarding Citi Credit Card, the issuer of XXXX credit card 's unfair and deceptive acts. XXXX varying amounts were charged to Citi/XXXX Credit Card in conjunction to XXXX deferred interest promotion. The first amount of {$1300.00} charged to Citi/XXXX Card on XXXX XXXX, XXXX was the initial payment toward the Bathroom ( tub replacement ) at my XXXX XXXX XXXX and the remaining balance of {$2800.00} was charged to the same Citi/XXXX Card on XXXX XXXX, XXXX when the job was completed. A new charge for a bedding in the amount of {$700.00} was charged to this Citi/XXXX card on XXXX XXXX, XXXX and a the last purchase in amount of {$1300.00} for electronic equipment/accessories was charged to this same Citi/XXXX card on XXXX XXXX, XXXX. 

The subject of this dispute is how my monthly payments under the deferred interest promo was applied towards this Citi/XXXX account. I understand that any payment made will first be applied towards the oldest account ( the account whose promo date ends first. With the exception of accounts that are in dispute. When an account is in dispute, it will be placed in hold until such time the matter causing such dispute is resolved. Despite numerous calls to the bank 's customer representative, and emails/messages requesting Citi/XXXX to readjust my account balance by recalculation the payments and applying them towards the accounts that are not in dispute, Citi/XXXX has acted unfairly and in a deceptive manner by continuing to apply my payments towards paying down the amount in dispute. Adding insult to injury, Citi XXXX continues to levy interest charges when there is no late payments whatsoever that would trigger such interest charges to be added. 

Based on my calculations, The entire amount that is not in dispute is all paid -up way ahead of the promo 's end dates. In fact, there is an overpayment which will have to be applied towards the amount in dispute bringing the amount in dispute from $ {$2800.00} per Citi/XXXX records down to {$2200.00}. This is the amount that I have to pay once XXXX XXXX XXXX has made the necessary repairs/to the bathroom. Henceforth, no more payments will be made since all amounts have been paid ( and overpaid ) leaving the disputed amount open and said amount in dispute will be paid upon completion/resolution of the matter that is the subject of the dispute.

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 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Collection Bureau of America Ltd. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I received an email from XXXX Customer Service. This is the company XXXX has contracted with to provide everyone who was a victim of their data breach. The email states that I have a new account. I log in and find out that it is an OLD collection account from XX/XX/XXXX. I am XXXX and on Social Security XXXX. I have been since XX/XX/XXXX. I was previously told it was removed, and it was, but now it has reappeared. It is for XXXX XXXX out of XXXX XXXX, but the collection agency is out of XXXX, CA.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Debt collection (Auto) with ALLY FINANCIAL INC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Just yesterday, I had seven calls during the day from Ally Auto. Yes, I understand I owe a payment. You have left me a voicemail message. I will respond to it if I stop getting six other calls throughout the day. They change the phone number they are calling from, but it is the same company. Today, I have had five already. On Sunday, they started calling at XXXX On a Sunday. Call one time per day, leave a message. That is how fair collection is supposed to work. Not harassing someone with more than 15 calls in less than 72 hours.

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