milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: From XX/XX/XXXX -XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX my credit report now reflects 30-60 past due when in fact was never late.. on my credit dated XX/XX/XXXX none of these payments were showing late in fact they werent late. I have disputed the inaccuracies with all three bureaus as well as spoken with XXXX XXXX XXXX about this inaccurate information. They all have failed to validate the accuracy of the info and complete a thorough investigation within 45 days. They have also reported that my account open with the company on XX/XX/XXXX which is not accurate to the signed contract between myself and XXXX XXXX XXXX. Because of the false reporting and poor maintenance of my credit file I lost out on finance options and needed loans. Attached is a screenshot of my account reporting from the bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (MD).
Issue: Problems when you are unable to pay

Complaint: auto loan from ally financial 6yrs agreement, I paid 3yrs without late any month, unfortunately I loss my job late XXXX I lost my job and I did ask the bank to lower or stretch my finance because of loss job the bank said they will take the XXXXlate payment and they will investigate and see where to place me on refinance category, fortunately I have n't had anything from then so I cont inued to hassle and pay my bills for 4 month without late then I called the bank and asked again they said it still under review I should get a notice in the mail 9month later XXXX I asked them again they said in 3month I should receive a call or letter in mail so I continue 7month payment by XXXX XXXX things were not well and I asked the bank again and they kept asking me to keep paying a few months I should qualify for a program, which will be able to cut some interests and month I owe, I did referred them that 4times they have promised me and no results, so they told me how do I make payment on my other bills and how do I pay my rent and feed my self? they did called me XXXX XXXX for a while until I notify the creditor I want to keep my truck if you reconsider about my loan then my loan balance was {$8200.00}, i paid from $ XXXX.so they told me they will take the truck and auctions it and I will be liable a\still for the same amount because they 've made their money last yrs that I paid so later XXXX after they took it and I surrender it they sent me a letter told me the truck was sold {$5500.00} or more XXXX XXXX XXXXmiles snow plow and package was include only plow cost XXXX and truck worth around {$7500.00}, so the letter said it sold XXXX $ and I still owed themXXXX $ then later after 3collection company bought and adjust the numbers it came up XXXX while XXXX they said was XXXX then XXXX then XXXX the in credit profile says XXXX, i have tried my best to contact them on XXXX and they just give me a contact number when I called them I leave messages and no one call back

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 07-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I refinanced my Loan in XXXX of 2014. We bought the sales promotion of XXXX and tried to do a refinance through them, only to find out that every time XXXX of the banks called they would pull a credit report without permission from us, thus lowering our credit score. Making it more profitable for the banks because they would now be able to give us a higher interest rate ( conflict of interest ) So my issue with the credit reporting companies is the use of the review or a credit as a part of the formula for a credit score. This is creates a vicious circle and allows the credit companies originally developed by banks to keep you with or in your current loan. When a customer shops for a loan, they need to talk to a bank, the credit score is then pulled, lowering your credit score. 
We finally received our loan but now the credit score because we shopped to get the best interest has gone against our insurance for our home. This should not be allowed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have an eviction from   XXXX   coming up on my record. I am not able to rent an apartment. This eviction was dismissed and was ordered to be sealed by the judge on   XXXX   XXXX   XXXX   I need it off my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2016 about Student loan (Federal student loan servicing) with MOHELA (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I began paying Student loans in XXXX XXXX. Beginning Balance was XXXX @ interest rate of 6.55 %. Have made all payments required by the U. S. Department of Education through XXXX, XXXX. At that time I was informed that my loans were transferred from XXXX to MOHELA, another U.S. Dept. of Education loan servicer. Automatic debit to my checking account has continued on the XXXX of each month to the present. I calculate that I have paid more than enough interest during this 4.5 year period to reduce my principal. Instead, MOHELA says my principal balance has increased to {$36000.00} as of XXXX/XXXX/XXXX. So while I thought my principal balance was being reduced each month, my principal balance was increase by {$4600.00}. I can not determine how this is possible from the XXXX website, or from my conversation with their HELP line. All Loans were for a degrees at XXXX in XXXX, KS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Checking or savings account (Checking account) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (TN).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Withdrawal was made from the account I had by others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2017 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (VA).
Issue: Trouble during payment process

Complaint: I tried to make my mortgage payment online as I 've done for the last several months, but there was no option to make a one time payment. I have no idea why, but that means I have to mail a check so now it 's going to be late. I want to make sure I 'm not charged ANOTHER late fee for something that is n't my fault. Their website just needs to work properly so I could have made my payment on time. This is completely unacceptable!! 

I sent ANOTHER message through the website that is supposed to be responded to in 2 business days. Mine have all been IGNORED in the past so I expect a response to this one from someone with a first and last name and a direct phone number. All the annoying phone calls from people with no name who do n't bother to say why they 're calling is completely unprofessional and needs to stop immediately.

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 12/30/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: filed online dispute and unable to access credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Credit line increase/decrease

Complaint: On XX/XX/XXXX, I was charged interest for purchases made in XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SOUTHWEST FUNDING, LP (TX).
Issue: Settlement process and costs

Complaint: Applied for a loan with Southwest Funding, a loan broker in XXXX, TX. The loan was quoted verbally on XXXX/XXXX/15 by XXXX XXXX as 3.25 % with total fees of {$1800.00} to be paid. This loan was XXXX option on the original GFE issued by XXXX XXXX, although the {$1800.00} in fees was higher than on the GFE. XXXX issued several subsequent GFE 's, each XXXX incorrect. As of the day of verbally being advised of loan approval, a correct GFE had not been received, however, we continued to proceed in good faith. A correct GFE was never received prior to closing. The final, incorrect, GFE, arrived via XXXX on XXXX/XXXX/15, the day of closing. Despite being advised of loan approval on Friday, XXXX XXXX and requesting both the corrected GFE and HUD statements several times between that date and our scheduled closing of XXXX/XXXX/15, they were not received in a timely manner. On XXXX/XXXX/15, the business day prior to closing, the HUD statement was received late afternoon. Upon review it was noted that again, the loan numbers were incorrect. There were origination charges and fees totaling {$4100.00}, or {$2300.00} more than quoted. A call to XXXX XXXX of Southwest Funding the morning of XXXX advised of the error and a correction requested. After reviewing with the loan processor, XXXX XXXX advised that the numbers were correct and that there were origination charges tied to this particular loan, which was not as she had verbally represented, or as had been stated on the original GFE. She also advised that we could change to another loan, but that would take a minimum of 3 days to process. As the closing was out of state and had already been delayed once, my husband and I would have to find another time to travel, incur additional expense, etc., we decided to go ahead with the closing even though the figures were incorrect and the loan was not the one that had been promised. 
Southwest Funding did refund {$470.00} which was the cost of the appraisal on the property, however, even with this refund, charges incurred were {$1800.00} more than originally quoted by Southwest Funding. 
Complaints : XXXX 's agent, XXXX XXXX did not provide the loan that was quoted, nor did she follow up with the actual lender to provide documentation in a timely manner, despite numerous requests for this documentation. 
XXXX XXXX did not provide the GFE on the loan that was purchased until the date of closing, at which point it was too late to make any corrections for their errors. 
An aside, XXXX advised that information from XXXX was sent via XXXX and e-mail, however, no e-mail was ever received from XXXX XXXX. 
I believe that both of these issues are unethical 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 non-monetary relief
Consumer complaint received 08/18/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Capital One account was closed by Capital One, earlier, than sold to XXXX, put in collections, I disputed, they removed in XXXX and put it right back on again the same month. 
this account was over 7 years old and was dropped by Capital One. for {$540.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Debt collection (I do not know) with Nationwide Intermediary Services llc (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have no idea who this company is that is calling me. This company claimed that I took out a payday loan in XXXX in which I was never aware of taking out. I have statements from my bank in which it shows that not payday loan was received during this time. The representative told me that they was a legal firm, taking me to court if I did not pay this payday loan debt off today and that they were filing the paperwork with XXXX XXXX. The representative would not give me the name or address of the company, they only said that they had my name and my file. I asked for verification and validation of this information. I continually asked for the address of this company and I was told that they represent a group of attorneys and they refused to give me the physical address. I was also told that I was a lying disgruntled consumer and they have to protect themselves. The representative also called me a liar and that she made more money than I did which is why I ca n't afford to pay my bills. Once she said that, then she hung up the phone on me. I called back several times and got no answer ; I was forwarded to the company voicemail. I called back a 5th time around XXXX XXXX on XXXX/XXXX/2016 and spoke with a gentleman who would not give me his name, nor the address and told me that the attorney 's information who filed the lawsuit against me was confidential. He hung up the phone on me and would not tell me anything about the alledged debt, the debt collectors or the attorneys. The representatives of this company called me names, threaten to take legal action against me, made jokes about me not having a job and was totally unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AP).
Issue: Closing/Cancelling account

Complaint: My apt was closed bad on what i believe to be fraudulent activity. I 'm told I 've missed 4 payments in a tow when debits to my checking account shows different. Tried to access my online crefit card account and it was closed after a large payment of XXXX was paid on it. Then was told that that csme almost 7 dats after the account was closed and i had been notified that my acvount was closing. When i told them XXXX XXXX this was industry he became rude and disrespectful. I would not argue so i hot of phone to reach how to file a Formal complaint against he and Bank of America

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 01/17/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (WI).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citi XXXX account in XX/XX/XXXX. I was promised a {$400.00} bonus after completing certain requirements. The requirements were fulfilled and I waited to receive the bonus. After the necessary time, the bonus was not completed. I talked to representatives from Citi on XXXX different occasions and each time they assured me the requirements were fulfilled and an investigation was opened. It has been over a month and no response from them and no bonus. I would like Citi to inform me with certainty when the bonus will be posted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Mortgage (Conventional fixed mortgage) with STATE FARM BANK, FSB (ID).
Issue: Loan servicing, payments, escrow account

Complaint: We have a mortgage through State Farm Bank. The beginning of the year they started generating mortgage statements/coupons on the XXXX of the month. Since then every month it takes XXXX 12 days for it to reach us. Our mortgage is due on the XXXX of the month, so the document reaches us about XXXX3 days before our due date. I have called & spoke with XXXX supervisors who basically say there is nothing they can do. When I have requested duplicate documents from the same location they ALWAYS arrive within 4 days. Is there something you can do so that we receive our mortgage payment coupon AT LEAST 10 days before our due date?

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (WY).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind XXXX payments on my mortgage at which time I applied for a modification, everytime I called to see if they had they paperwork or needed anything else they would say they have everything and then I would call back two weeks later to check on the status of the modification they would have no idea what I am talking about. I have gone through this cycle at least four times with them and this whole time they would not let me make any payments. Then someone told me my house was listed as a forclosure in the local paper with a sale date of XXXX/XXXX/2016. Since then they have received my paperwork again for modification and I have had to refax that set of paperwork three different times. Now they say I am approved for modification but they are waiting on my title but they wont tell me who they requested my title through. I have checked with every title company in my area and nobody has received a request. They tell me that if they do n't receive the title by the sale date that they will sell my house. I also have a corporate advance on my account for over {$3000.00} that nobody can tell me what it is for. I keep getting a different answer everytime I call in to this company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2018 about Money transfer, virtual currency, or money service (International money transfer) with WELLS FARGO & COMPANY (FL).
Issue: Other transaction problem

Complaint: My name is XXXX XXXX and I have an account with Wells Fargo I was using anther company to make wire transfer because it was less expensive This time they asked me to call Wells Fargo to get Advance Access code and when I did they told me that I should receive it by mail during 3 business day I told the agent that I couldnt way for three days so she told me to go to the office bank and do the wire transfer through Wells Fargo I asked to speak with supervisor named XXXX and after explaining the issue it just simply hang 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 12/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ENHANCED RECOVERY CORP, was disputed and removed off all my credit report only to show back up with misleading information. This account with XXXX was opened up by another person using my information fraudulently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In writing and via phone I have contacted all the bureaus to remove incorrect information from my credit report. I sent in certified mail to track this information and process. Nothing has happened or taken place on my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Settlement process and costs

Complaint: The very first day that I spoke with Wells Fargo, I assured them that my husband was on the title/deed of the house with me equally. I had this done specifically at a re-finance. Wells Fargo assured me over and over that his name was NOT on the deed and that, as we were in the process of divorcing, my husband would buy the house from me at appraised value. After the appraisal, Wells Fargo said that my ex-husband WAS in fact on the deed and that there could be no sale, but instead a re-finance of the home at a lower amount. They had to start all over. It took months to get my ex husband signed on the house two weeks ago. Now I am trying to buy a house in another town. I have been approved for the loan and have been offered no less than XXXX closing dates for the last month and a half. Each time, something comes up as done wrong and it 's consistently blamed on the underwriters team. This process has been more than just problematic, it has been handled ineptly. The lender representative has consistently talked over me, ignored my questions, and asked me to do the running-around and paperwork that he is supposed to be doing. I know this because the institutions that see me there in person keep asking why he does n't just call and get the same information/form/approval straight from them. I 'm worried that this loan will NEVER close. I am already paying utilities and electricity and insurance on a house in which I can not live, because I was supposed to be living there a month ago. I need help. I just this moment got word from the lender that they need a XXXX form. This is critical to a VA loand and I am amazed that they can get to closing day without a XXXX already ( which they already had and lost ). The lender representative is also holding a VA certificate of eligibility at this very moment that the underwriters are saying they do not have. This whole loan reeks of incompetence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-11-2015 about Credit card () with SYNCHRONY FINANCIAL (WI).
Issue: Other fee

Complaint: This is a complaint about BP Visa Credit Cards and the changeover from XXXX to Synchrony. 

My last XXXX credit card bill told me that autopay is on, that the full balance would be withdrawn on the due date. It was not. During the course of the last billing cycle, Synchrony took over and no payment was collected. Instead Synchrony charged a late payment fee of {$25.00} and interest of {$14.00}. They have corrected the late payment fee, but not the interest, yet. I have contacted them. 

I am contacting you about this because it may have affected a number of customers and the banks should not be rewarded for incompetent handover by allowing them to even try to collect late payment or interest charges from those who had autopay set up with XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied International Credit Corp., (US) (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a letter in the XXXX mail from Allied International Credit Corp. collecting for an XXXX charge. I do n't have any XXXX charges.

Company response to consumer: Closed with explanation