milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Hello, My name legally changed in 2015 and the credit reporting agencies refuse to accept the court order and make the change to the credit report ( The previous name must not be disclosed, per court order - more than five years after the change ). This has resulted in a denial of credit because of lack of a credit history and a fraud alert on my account. 

They have stated that they will not change the information unless it comes from an original creditor, but this is false credit reporting because it is my history, my former ( birth ) name, and my new ( legal ) name. 

One of them did finally agree to make the change, but still sends my information in the former ( birth ) name AND when it did reflect the new ( legal ) name, they included a middle initial. There is NO MIDDLE NAME/INITIAL.

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 01/30/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I deposited a check for XXXX on Sunday XX/XX/XXXX. This check was from XXXX  XXXX XXXX and written from Bank Of America as well so it should have cleared on time. It didnt. When I deposited it, it stated it would be available the next business day, which would be Tuesday XX/XX/XXXX because nothing processes Sunday night. When I deposited it, it also said it would cover transactions posting on XX/XX/XXXX. Well, as usual, BoA has lied to me again. The check that was supposed to clear today, XX/XX/XXXX now days it will clear on XX/XX/XXXX. But my main issue is they, once again, charged me an overdraft fee for something that posted on XX/XX/XXXX, even though I still have the email that CLEARLY states it will cover anything that posts XX/XX/XXXX. Im tired of BoA and the lies they tell and all the money they have quite literally stolen from my account. I will be closing my account with BoA as soon as my income taxes are deposited. I will be withdrawing all of my money and letting everyone I know NEVER to use BoA because they lie and steal from their customers.

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 05-04-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: Since recently finding out I am a victim of identity theft, I personally went into the bank to change my account number and added an additional password ( for security ), which I witnessed them ( accurately ) typing into the computer. On XXXX XXXX, 2015, I contacted Wells Fargo, via telephone, with a question about my checking account. At the time of said call, I was told my personal password was incorrect and I could not be verified. I immediately went to the bank, waited over XXXX mins to speak with the proper person, who then informed me my password was changed by XXXX letter. I never authorized this change.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (MA).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: I went into a car dealership in early/mid month of XXXX 2017 to finance a vehicle. But the car I wanted was sold so the finance lady showed me a XXXX XXXX XXXX which was {$16.00} & And a XXXX XXXX XXXX  for {$7900.00}, & I was to put {$1000.00} down payment & I put a {$100.00} to hold the vehicles until I got a word back on if I was approved for financing. So she called me to come in to talk about rates next day. And when I showed up she showed me approval for the cars and they up the prices for the XXXX XXXX from {$16000.00} to {$20000.00} with {$5000.00} down & the XXXX XXXX from {$7900.00} to {$10000.00} with {$2000.00} down. & I told her I could n't do the down payment and would try to do {$2000.00} for the XXXX XXXX. so I signed a Rmv-1 form to bring back with insurance stamp & down payment but I could n't get the other {$1000.00} down. So we did n't go any further with the transaction or paper work and never took possession or registered the vehicle & come to find out the dealership fraudulently signed a contract with a Electric signature and sent a contract over to the bank which I have called and informed them that the contract was not signed by me I 've never seen or even got a copy of any contract and they refused to cancel the contract. After contract multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Rewards

Complaint: On XXXX XXXX, 2016, Citibank closed my credit card account in error after I had contacted them asking them to cancel and reissue a new card to me because there were concerns that the previous card ( itself a replacement issued following recurring fraud on my account ) had been lost in the mail. After alerting Citibank to their mistake, I managed to get the account reopened. However, the rewards point balance on my card account was not reinstated, which it should have been because it was Citibank 's mistake to begin with. I have contacted Citibank about this issue multiple times and been assured that the points would be transferred to my new account. However, to this day I have not received satisfactory resolution of this matter - my points have still not been transferred and I have not heard back from Citibank on the status of the transfer. The points are worth a variable amount depending on what they are used to redeem, but a good estimate would be about {$400.00} in most circumstances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IN).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX v. wells fargo The purpose of this complaint is to investigate interest charges and administrative fees on my home mortgage while it was in litigation for the past 33 months, approximately. 
My home is in pre-foreclosure. I have an interested buyer, however, the list price was based off of a principal payoff of {$110.00}, XXXX as quoted over the phone by a Wells Fargo associate in the foreclosure department. When I received a payoff statement from Wells Fargo by mail it had a figure of {$150000.00}. 
The loan was originally {$95000.00} at 5 % interest with an additional {$32000.00} at .5 % interest ( for a XXXX rehab loan offered by H.U.D. to make sure homes are habitable and meet Indiana code ) totaling {$120.00}, XXXXXXXX5.5 % interest. 
Aside from being taken advantage of as a first time home buyer from the beginning of this mortgage process ; now that I 'm trying to reconcile a reasonable balance Wells is continuing to dig a financial rut for me that at my age of XXXX, I unlikely will be able to get out of. ( at first I had been approved for a conventional loan, then it became an FHA loan which is when the XXXX rehab attachment to my mortgage occurred ). 
Please investigate the unreasonable and uncustomary fees they have attached to my account as well as the fact they sold me a home that would take in excess of {$70000.00} to bring to code not {$32000.00}. I am attaching letters I 've sent to Wells Fargo pleading for a resolution. No one of executive authority will directly handle a call or respond to my letters. I have been able to get through to middle management. Today I was told they intend to go on with a foreclosure sale and will send me a breakdown of how the interest has accumulated on my account. I need more time to resolve these charges and/or create a different approach to selling the property. ( my father is deceased, but XXXX ). ( I feel I was taken advantage of at the time I was transferred from conventional approval.. ( .closing of XX/XX/XXXX ) to FHA eligible.. ( closing of XX/XX/XXXX XXXX Mortgage Loan Identification : XXXX XXXX XXXX Loan # XXXX XXXX XXXX XXXX XXXX. 
XXXX, IN XXXX XXXX Attachments : Copy of XXXX contract submitted by H.U.D. contractor ( XXXX ) Payoff transmittal form dd XXXX/XXXX/XXXX Complaint to Wells Fargo Complaint Department dd XXXX/XXXX/XXXX Correspondence to Sr. Vice President XXXX XXXX dd XXXX/XXXX/XXXX ( XXXX office assistant responded via telephone XXXX/XXXX/XXXX, XXXX ) Document from XXXX detailing personal home owners insurance premiums paid by home owner not Wells Fargo Accumulated interest breakdown ( from Wells Fargo ) ... forth coming via fax and/or email XX/XX/XXXX correspondence to my attorneys of XX/XX/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 11/15/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have the victim of identity theft which I discovered when my tax filing was rejected. 
This prompted an investigation into credit report and I started getting collection notices for credit card accounts that I could not verify. I send a series of letters to credit bureaus requested copies of the original signature documents showing the account was actually verified as mine but they simple responded that accounts had been verified as mine but never responded to my request for copies of the actual document that showed my signature verifying the account or even the name of the person who verified the information. I recently sold my house and now an unable to buy a new home because of the invalid account that still shows in dispute on the credit 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 11/22/2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The OCWEN LOAN SERVICING account XXXX Date of First Delinquency has been re-aged on my XXXX credit report as of XXXX. This account has been delinquent since XX/XX/XXXX. The account has never been brought current and in direct violation of Fair Credit Reporting Act 623 ( a ) ( 1 ), Ocwen loan servicing knowingly and willfully reported inaccurate information to a consumer reporting agency in order to extend the reporting period of the above account. On several XXXX credit reporting disputes Ocwen loan servicing maliciously 'verified ' the fraudulent information to the consumer reporting agency as being correct in order to have it remain on my credit report. 
I have enclosed a letter from the last creditor acknowledging FDO as XX/XX/XXXX, as well as a copy of my original loan payment history from XXXX ( original loan holder ) with the clear first date of Date of First Delinquency as XX/XX/XXXX, and a copy of my Chapter XXXX bankruptcy from XX/XX/XXXX, making it currently XXXX old. This account has continuously been sold and resold. XXXX loan & gt ; XXXX & gt ; Ocwen & gt ; XXXX then re-added to my credit report and now re-aged. This is a fraudulent practice.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (HI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I first contacted Equifax on XX/XX/XXXX about my account showing a bankruptcy with the verifying contact being the U.S. Bankruptcy Court of XXXX. I then wrote to the Courts to verify this information and they sent me a letter saying that " WE DO NOT REPORT TO THE CREDIT BUREAUS ABOUT ANY INFORMATION FOR CONSUMERS ''. Equifax responded by saying they now confirmed the information with a 3rd party company names XXXX. 

I wrote to that company on XX/XX/XXXX and received a letter from them saying it was reported incorrectly and will be removing it from their records.

on XX/XX/XXXX I then wrote back to the XXXX people with information from the courts and not reporting that information to them as well as the NEW Information I Received from XXXX about taking the bankruptcy off of their records. 

For good measure, I then wrote to Equifax once more with all INFORMATION FROM THE BANKRUPTCY COURTS AS WELL AS THE XXXX XXXX ON XX/XX/XXXX. to which I am having as a response once again from Equifax saying they VERIFIED THE INFORMATION TO BE CORRECT FROM XXXX I ASK YOU HOW CAN THAT BE AS THERE IS NO SUCH INFORMATION FROM XXXX XXXX. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Medical) with Nationwide Credit Corporation (MD).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: The company called at XXXX, and again thereafter every 2 hours It was stated that they are not authorized to contact me by phone as a cease letter was sent months ago. In addition, a request for the debt to be sent back to the creditor where the insurance payment can or could be adjusted was not adhered to. I have asked more than once for them not to call and they continue to do so with multiple numbers and both phone lines.

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 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint: I am XXXX XXXX XXXX and Transunion is charging {$5.00} every time I want to lift a freeze temporarily on my Transunion Credit report. XXXX and XXXX don't seem to do this. 
Given the breach of these reporting agencies this should not be allowed in my opinion. 
Thanks,

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 09/29/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian is the only credit bureau that has not fixed this. Reporting a past due of {$2500.00}. This is incorrect. should show {$0.00} past dueXXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: This is a second complaint to follow up on my previous complaint against the Bloomingdale 's card. Bloomingdale 's improperly credited a returned item by sending gift cards instead of crediting the credit card account - notwithstanding the fact that Bloomingdale 's card had agreed to credit the account prior to the return being made. Subsequently, Bloomingdale 's promised on numerous occasions over more than 10 hours of phone calls from me to them, to fix this error, but never did and instead ended up reporting me to the credit agencies. After a complaint to the CFPB, Bloomingdale 's finally fixed this issue ( thank you CFPB! ). However, I have now received a new invoice from Bloomingdale 's showing finance charges due related to this issue. I had not charged anything else on the Bloomingdale 's card, so there could be no other source of this finance charge.

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 11-07-2017 about Credit card or prepaid card (Government benefit card) with Comerica (IN).
Issue: Unexpected or other fees

Complaint: XXXX XXXX card issued by Comerica Bank. 

XXXX XXXX XXXX through XXXX XXXX this year XXXX. 

XXXX XXXX card, which I have for my XXXX benefits, withdrew nearly XXXX from my card for " debit adjustment '' without notice and with no reason stated on my online statement. I 've spoken to them and the explanation was so convoluted that the only clarity is that " XXXX had a glitch '' and did n't take out charges when made so is now adjusting them by going back through at least XXXX and withdrawing funds. 
Issues : Failure to catch and correct their error in a timely manner Failure yet to notify consumers impacted Failure to offer explanation Then recouping by withdrawing money from XXXX XXXX customers cards. This is in direct contempt of their own policy that states they will not let a charge go through if the funds are n't there. Therefore I had a false sense of security based on their own promise. I imagine lots a people do n't know yet.
Remedy expected : refund the funds withdrawn to their card holders

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Bank account or service (Checking account) with PNC Bank N.A. (NC).
Issue: Problems caused by my funds being low

Complaint: When I first opened my account, I signed up for and paid for overdraft protection. When I looked up my balance, I was {$110.00} in the negative. I have not used that account for a few months so there is no way to get that negative balance. I went to close out the account and question why such a big negative balance and was told I could n't close it out until I paid the fees. Why should I have to pay for something I did n't do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The original creditor company and its debt collection agency improperly reported negative/derogatory information to the Credit Reporting Agencies without first contacting the debtor about the debt to verify the accuracy and existence of the debt. Despite the debtors dispute of the debt existence via their attorney, the original creditor company and its debt collection agency made false and fraudulent statements regarding the debt and its dispute to the Credit Reporting Agencies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have mailed a multiple inquiry removal letter on  XXXX / XXXX / XXXX  in order to dispute information on all  XXXX  credit reports. in regards the hard inquiries that are being reported on my credit reports. The request i submitted included hard inquiries that are not factual and i recieved the same response for ALL inquiries, which stated all inquiries are factual record of file access. If you believe this was unathorized contact creditor. According to FCRA Rules, FCRA  623 ( B ) ( 2 ) AND 611 ( A ) ( 1 ) it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the   XXXX   XXXX    delete disputed information from its files. The fact that i recieved a response 4 days later one can only assume there was no investigation, I am submitting this complaint due to lack of investigation. This is unfair pratices by the credit reporting agencies with no concern for the consumer credit worthiness.     these are the disputed inquiries   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     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   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   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I found a gas bill in collections on my credit report. It is not mine, we have lived in the same apartment for 12.5 years and it is electric only. I disputed it with Equifax , the only credit agency that showed the bill. They said it 's mine because the collection agency gave them additional information. No one in California would know my information to be able to get a gas bill in my name unless they stole it somehow. No other credit in my name has been opened that I can see. My credit is spotless with no late payments and I would like this taken off my account. I am not sure how to prove it 's not mine since I have no documentation of any kind, having not opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have written 3 letters and made one phone call disputing several iniquiries and asking for validation on my credit report. The last letter I sent off at the beginning of XXXX and I did not receive a response. Each response they closed the investigation without providing proof or any information on the inquiries. When I called I was told they will not investigate and to contact each company. I contacted each company through mail. Two of the companies could not find any information on me ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Their is an incorrect address do another company posted on my credit report ( XXXX XXXX ). The others have yet to respond back within 15 days. Below are the inquiries that I have disputed several times. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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