milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I applied for an apartment at XXXX XXXX Apartments in XXXX on XXXX XXXX, 2014 and had to pay XXXX dollars applications fee to run a consumer credit report to include criminal background check to check if I had any felonies. XXXX XXXX conducted the investigation utilizing information that was provided by XXXX XXXX. XXXX XXXX provided the information to the leasing office at XXXX XXXX Apartments that led to me being denied. I asked why I was denied was told that it was because of a felony on my criminal background report. I lost my XXXX and did not get the apartment. I asked for a copy of the information from the background check and discovered that the information that was reported was past the 7 years from my last criminal disposition which is a violation of XXXX XXXX ( XXXX ) ( e ) - Reporting of information prohibited No consumer reporting agency shall make any consumer report containing any of the following items of information : ( e ) Records of arrest, indictment or conviction of a crime that, from the date of disposition, release, or parole, predate the report by more than seven years. Exception : If the salary of an individual equals or is reasonable expected to equal {$75000.00} or more, the 7-year restriction does not apply.

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 04/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I signed up for XXXX XXXX XXXX received modem via the mail- upon installation, the equipment was inoperable. Contacted XXXX, and they sent out a technician who could not fix the issue. Never had working service- became dissatisfied with the company and switch to XXXX . XXXX billed me for the month I had no internet service. Contacted a representative from the company who indicated that they would resolve the issue. Upon reviewing my credit report, discovered that not only was it, was not resolved, it posted as a derogatory account.

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: They got the wrong spelling of my name and wrong address and also wrong phone number the correct information that should apppear on my credit report is my name is  XXXX   XXXX   XXXX  and my address is  XXXX    XXXX    XXXX   XXXX   XXXX  maryland  XXXX and my phone number is  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 06/16/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Trouble during payment process

Complaint: Currently, I have a  XXXX  mortgage with  OCWEN Loan Servicing. Over th e last 3 months I have noticed that the payments are being applied to my checking account for deposit close to the late notice deadline, the  XXXX  of each month. In fact, two months back, I was charged a late fee although the payment was sent on the first of the month, before the deadline. I immediately started to receive threating foreclosure calls to my home. This prompted me to start tracking check deposit dates which in all cases were close to the   XX/XX/XXXX .  This month,   XX/XX/XXXX   the payment was mailed with 2 day delivery ( through the postal service ) and the check was not deposited until  XX/XX/XXXX .  <P/> I am concerned that this company is being intentional about late payments and perhaps derogatory credit rating. It was troubling that with a late payment ( which was their delay ) that calls started immediately to home threating foreclosure.  <P/> I am concerned about this company and their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2015 about Debt collection (I do not know) with ROC Asset Solutions, LLC (IL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: SKIP TRACED ALL FAMILY MEMBERS CELL, WORK, HOME NUMBERS CALLED AND WILL GO TO JAIL IF YOU DONT PAY! IN VIOLATION OF FTC, FDCPA, TCPA, FCRA ....

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: We put the house in irrevocable trusts. Wells Fargo ( WF ) okay the transfer in XXXX XXXX. We rec 'd a ltr in XXXX stating that it was not allowed, and that they would foreclose if we do n't transfer it out of the trusts. We had numerous correspondences, and began paying off the loan XXXX XXXX and it was completely paid off by XXXX XXXX, XXXX ; WF sent the release of lien XXXX, but told XXXX and XXXX that we were in foreclosure. As the result, my credit rating dropped by XXXX points. We needed to keep the house in the trusts because my husband is ill, and we told WF that we will pay off the balance. As of XXXX, we had {$480.00} balance in the account. Can they ruin our credit for {$480.00}? It seems mean spirited and petty?

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 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a XXXX XXXX with a name that is similar to mines and XXXX XXXX XXXX that is XXXX number off from mines. After examining my credit report, our identity is being mixed. Her name address and social was popping up under my credit and her name was listed as an " XXXX. '' I 've called and written letters and the issue is still ongoing. Many of the hard inquiries on my credit does n't belong to me. Working in law enforcement requires my credit to be decent and this has tremendously lowered my scores. Not only that, it 's hard for me to do many things including my credit and I ca n't because of the mix up. Thanks for your time and concern. 

Sincerely, 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 08-09-2017 about Debt collection (I do not know) with Security Credit Services, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: A few weeks ago I got an notification about a debt that was placed on my credit report after checking in with my mortgage lender to make sure I was still on track. We found out the Security Credit Services had  posted a collection on my report for {$1800.00}. I called right there in the office with my lender and asked for validation of the collection. I was told I get the validation in the mail. The only thing received in the mail was a paper saying who they were and that they had placed a collection on my report. That is not VALIDATION! I then sent a written request to validate this collection. Instead of getting the validation they have now reported it twice on the same report with very different dates after getting my letter of request for validation. This is getting out of hand and Im yet to get the validation. I am letting CFPB aware of this situation and will be sending out another request for validation AGAIN ; just in case they are responding back saying They never got a letter. I will also send the first letter that I sent to them along with the second letter.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (MD).
Issue: Managing the loan or lease

Complaint: This is regarding an auto loan I have with Regional Acceptance Corporation -- They have been ripping me off big time. I got the load in XXXX of 2012 for {$23000.00} ; I have been paying {$550.00} a month for three and a half years ( I do admit missing a few month 's payments - about XXXX in 3+ years ) and they claim I still owe {$21000.00}. What interest rate have they been charging? They do not abide by what is stated on the first page of the contract under the " Federal TRUTH in Lending Disclosure '' ; instead they have converted the contract from a SIMPLE interest transaction to a COMPOUND interest transaction -- there can be no sound legal basis for them to do so. The way they apply the payments I make is not clearly stated in the contract -- why are they allowed to do this to their customers? This is robery/stealing!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Debt collection (Medical) with North American Credit Services (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX bills filed through this company for medical bills. Both have been paid off but my credit report does n't reflect this.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 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: XXXX XXXX, Senior Collector at XXXX XXXX XXXX XXXX contacted me on XX/XX/XXXX about my account being negative. Since it was a new account I had just opened in XX/XX/XXXX, I had not even used the account yet. I was only able to set up my direct deposit from my part time job. I replied to XXXX 's email stating that my XXXX account was hacked and fraudulent purchases were made. Because my new bank account was attached, it tried to withdraw from it. I contacted XXXX and they closed my account and I had to create a new one. I even provided her with the email from XXXX in regards to the fraudulent charges. The bank told me I had to physically come inside the bank to dispute. At the time, I lived in XXXX, GA and could not XXXX XXXX into any branch, therefore opening up a dispute online through their secure inbox. Even after providing proof, they still didnt close the account for fraud and began reporting this on my credit report. I have attached the conversation between me and XXXX from Florida Commerce.

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 07-10-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Using a debit or ATM card

Complaint: I have been banking with Wells Fargo for a number of years and they refuse to increase the amount I can withdrawal from the ATM. Since I opened my account I have only been able withdrawal {$310.00} per day. This limit is too low, especially with me being a long time customer. The website states to speak to a banker or call to have the limit increased however whenever I visited the branch XXXX XXXX to have my limit increased to at least {$500.00} the banker told me it is impossible to increase my limit. Are you kidding me?? Is it because I am a XXXX man or because of how I look automatically keep me with a lower card limit?? I have been married to my wife for 13 years and we go to work everyday to help improve our way of life. Also my wife works XXXX, and has been there for over 10 years, so I know its not impossible to increase my card limit. The banker did n't even check on anything he just automatically said no. Is it because at the moment my account balance was not what he wanted to see?? Also why even have the option on the website if your not able to do. I have had so many issues with Wells Fargo and I normally do not complain but this is the last straw. Even direct deposit cards have a higher limit than that. I really enjoy banking with Wells Fargo but I am really considering switching to another bank. All I want is my card limit increased for ATM to at least {$500.00} given that I have banked there for many years. Is this too much to ask??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Credit reporting () with EQUIFAX, INC. (NE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX Bank lowered my credit limit supposedly by something submitted by Equifax submitted or was part of my credit report. When I went online where they said I should go for a free credit report since I 'm obligated to XXXX with my limit being decreased, they would n't let me see anything online, instead they told me that I needed to submit a copy of my driver 's license and a copy of my social security card in the mail. EXCUSE ME - THAT IS NOT SAFE!!!! I should have a right to see this online through their sight and be able to dispute anything right then and there. I 'm tired of this being a crutch for everyone to use when I have been paying my bills on time. XXXX Bank stole from me and Equifax submitted the report and yet NO ONE GIVES ME THE PROPER BACK UP!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CT).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: A promotional financing option was presented upon purchasing a product from XXXX. As long as the balance of the purchase was paid off in the prescribed amount of time, no interest would be charged on the purchase. 

In XXXX of XXXX, the promotional amount due by XXXX XXXX was {$890.00}. 
I made the following monthly payments : XXXX : {$200.00} XXXX : {$400.00} XXXX : {$150.00} XXXX : {$150.00} XXXX : {$350.00} XXXX : {$0.00} XXXX : {$550.00} TOTAL : {$1800.00} However, they only reduced the " promotional balance '' by {$30.00} each month despite my large monthly payments. Because I had another " revolving '' line of credit on the same account, the credit card company applied most of the balance to the " revolving '' balance. 

It was not until I noticed that my promotional balance was NOT paid off and I was assessed an additional {$250.00} in accrued interest, that I found out that my payments were not going to pay off the promotional balance. 

After looking into my statements and callling Comenity Bank XXXX the credit card company handling the XXXX credit card ), I found out about how they allocate your payments primarily to the revolving credit and NOT the promotional credit, XXXX unless you call them and tell them otherwise! XXXX. They also say they DO apply a greater amount of your payment to the promotional balance if you are nearing the expiration of the promotional period. However, it is NOT outlined anywhere how they allocate your payments closer to the expiration date and they did not do this in this instance. This is an easy way for them to allow the promotional balances to default so they may collect the outrageous " accrued interest ''. Disgusting! The customer service rep. put me on hold when I asked to speak to a supervisor, but no one ever came back on the line. When I called back, they were closed for the day.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My name is XXXX. I would like to file a complaint against Experian Credit Bureau. They are listing XXXX fraudulent addresses on my credit report. I have never lived at these places. I have written Experian 2 separate times, informed them these were fraudulent addresses and asked I them to remove them. They will not remove these XXXX fraudulent addresses. Experian Credit Bureau is listing XXXX misspellings of my name. I have written Experian 2 separate times, informed them these were fraudulent misspellings of my name and I asked them to remove them. They will not remove these XXXX fraudulent misspellings of my name. Experian Credit Bureau is listing somebody else social security number on my credit report. I have written Experian 2 separate times, informed them this was not my social security number and I asked them to remove it. Experian will not remove this other person social security number off my credit report. 
Below is the Fraudulent and Erroneous Information Experian Credit Bureau is listing on my credit report. 
Fraudulent and Erroneous Names : 1.XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX My name is XXXX XXXX, all of the above fraudulent names need to be removed from my credit report. 
Fraudulent and Erroneous Addresses 1. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX 2. XXXX XXXX XXXX, XXXX NC XXXX 3. XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX 4.XXXX XXXX XXXX XXXX , XXXX NC XXXX 5. XXXX XXXX XXXX, XXXX XXXX NC XXXX 6. XXXX XXXX XXXX, XXXX NC XXXX 7. XXXX XXXX XXXX, XXXX NC XXXX 8. XXXX XXXX XXXX , XXXX XXXX NC XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX. Those other address are fraudulent and do n't belong to me. Also on the enclosed Experian credit report from XX/XX/2017. Experian lists address identification numbers that shows which address belongs to an account on your credit report. None of these fraudulent addresses are attached to any of my accounts. Please make them remove these fraudulent addresses. 
Fraudulent and Erroneous Social Security Number : 1. XXXX. Experian needs to remove this person social security number off my credit report. My social security number ends in XXXX. 

As you see I really need from your help. Experian is listing tons of erroneous and fraudulent information on my credit report. Please make them remove this mess. 
Thank you for your help

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 01/20/2018 about Debt collection (Payday loan debt) with BTH Management (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: good afternoon, ive been asking for Validation of debt owed to XXXX XXXX XXXX  XXXX for a check that went to collection but has already been paid The Collection agency is 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 07-11-2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: on several accounts, there is a mortgage listed as included in Bankruptcy, yet I did not have a mortgage included in my bankruptcy filing. I can provide a copy of the discharge and all bankruptcy paperwork to show the actual filing.

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 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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: Hello, The 90 days late from XXXX XXXX XXXX is a mail error due to a windstorm which misplaced my family from our home XX/XX/XXXX. XX/XX/XXXX, after a one year sucessuful repayment rehabilitation loan program, XXXX XXXX sent new terms and agreement to a home I no longer lived and after they received returned mail failed to contact me further about the new terms with the company and hurt my credit after a serious family emergency which left my wife and child with no place to live. In XX/XX/XXXX, I discovered a 90 days late through credit monitoring. This force me to consolidate my loans and began repayment. I had no information on new terms for my loans and had a forebearance approved to keep loans current. Please assist with helping loans have the 90 days late removed. 

Thank You, 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 02/24/2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (CO).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was issued this loan in XXXX as I was starting prerequisite classes for XXXX. The school informed me that I was not able to apply for a federal loan and would need to pay up front or get a private loan. In order to register for the next semesters classes I chose to apply for a loan at on of the nearest banks, Wells Fargo. 
In XXXX I chose to use my XXXX knowledge on a volunteer trip to XXXX for XXXX XXXX months. While attempting to defer payments during my time out of the country I was told that my loan could be deferred for a maximum of 3 months, but that I had to make that request at no earlier than the first of the month that I would like to start the deferment ... ... a time in which I would be outside of the country. I ultimately choose to defer payments for the next 3 months that I would be allowed and had a family member make the remaining payments as I did not have internet access during my trip. 
As I gathered information for my taxes this year I came to the realization that I had only paid {$190.00} of my principal on this loan that I have been paying on since XXXX. After further research, I discovered that I have paid {$4000.00} more then the principal balance in interest to date. 
As a kid taking out the loan, I was aware that a 9.5 % interest rate was excessive ( even in XXXX ), however Wells Fargo took advantage of my naivet and desperation. This bank counted on the fact that a young student would be overwhelmed by the variety of challenges ( living independently, completing XXXX, working full time ) to the point of ignoring the complex financial details of their predatory student loan. Negative amortization is when a lender sets monthly loan payment at a level too small to cover even the interest. This practice has left me with essentially the same debt despite over {$16000.00} in payments.

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