milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have XXXX acounts on my TransUnion credit report that shows XXXX XXXX # XXXX show 60 days past due but it has been paid off and closed. The Status should say Paid off and closed instead of 60 days past due. The other account is XXXX XXXX XXXX is showing the same thing. Pay status should show paid off and closed as wel

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Debt collection (Other debt) with U.S. BANCORP (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: In 2010 I had a bank account that was closed out due to INSF funds, under the amount of {$500.00}. This account was charged off and sold to a collections company called XXXX XXXX XXXX. A woman by the name of XXXX XXXX using the phone number XXXX XXXX XXXX when she contact my workplace multiple times as well as a relative who she told several details of the account to. She told me that I have less than a week to come up with a balance higher than the money owed to the bank, or I would be served and prosecuted for felony bank fraud and have my workplace contacted and my wages garnished. She stated that she represented US Bank as the client who was suing me, but failed on multiple requests to provide me with proof of debt or her own identity.

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 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with United Collection Service, Inc (FL) (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/XXXX ( 5 yrs, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Original Creditor Name XXXX XXXX XXXX {$1200.00} I sent this letter to them they have not gotten back to me. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Dear XXXX XXXX Credit Reporting Personnel : I hereby ask that you substantiate your claims regarding all account data you conveyed to credit reporting agencies for me, XXXX XXXX, as concerns a suspicious account XXXX XXXX XXXX XXXX. Given the possibility that an error may be present within the account record, I must ask that XXXX XXXX send all relevant data on your letterhead as soon as possible. I want more than only a simple account statement. Instead I must call for a careful documentation. If these reasonable demands can not be met during this reasonable period, summary data disseminated by XXXX XXXX to the credit bureaus should not be deemed factual and may bespeak a nullification of my consumer rights. If this is the circumstance, kindly remove those credit report items immediately. I offer my sincere gratitude for your examining this circumstance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX XXXX UNITED COLLECTION XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Dear UNITED COLLECTION Credit Reporting Personnel : I hereby ask that you substantiate your claims regarding all account data you conveyed to credit reporting agencies for me, XXXX XXXX, as concerns a suspicious account XXXX XXXX XXXX. Given the possibility that an error may be present within the account record, I must ask that UNITED COLLECTION send all relevant data on your letterhead as soon as possible. I want more than only a simple account statement. Instead I must call for a careful documentation. If these reasonable demands can not be met during this reasonable period, summary data disseminated by UNITED COLLECTION to the credit bureaus should not be deemed factual and may bespeak a nullification of my consumer rights. If this is the circumstance, kindly remove those credit report items immediately. I offer my sincere gratitude for your examining this circumstance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Struggling to pay mortgage

Complaint: I 'm in the middle of a foreclosure modification with Bank of America. Bank of America has refused to answer the phone, return my voicemails. Bank of America has filed a Lis Pendens. I have a contract to sell in order to avoid foreclosure. Bank of America 's attorney told me that my mortgage was being served by XXXX. I want to avoid foreclosure but Bank of America will not communicate with me.

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 04/27/2015 about Bank account or service (Other bank product/service) with CITIZENS FINANCIAL GROUP, INC. (DE).
Issue: Making/receiving payments, sending money

Complaint: In XXXX of XX/XX/2014 I received an offer from the Citizen 's Bank with which we have a checking account an offer to get {$5.00} up to {$10.00} for automatic bill payments charged to the bank 's credit card and posted before XXXX XXXX, XX/XX/2014. I did so and XXXX payments for XXXX and XXXX were posted on XXXX/XXXX/XX/XX/2014 and XXXX/XXXXXX/XX/2014 respectively. Yet I did not receive the promised {$10.00} credit as promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/16/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have been an identity theft victim since my birth certificate and personal information was stolen in XXXX. I have tried tirelessly to get the information corrected since, most of the credit bureaus have corrected my personal information except Experian. On XXXX XXXX, XXXX ; contacted them to dispute again personal information that is related to my identity theft issues. I continuously disputed addresses and name spellings only to be told that Experian is refusing to dispute or remove the information that is incorrect because it was associated with a reported account that was opened or application that was submitted with incorrect information. Experian has been the most difficult in correcting my personal and credit information and I am contemplating legal action for FCRA violations.

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 04-03-2017 about Mortgage (Conventional fixed mortgage) with United Shore Financial Services, LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I utilize the XXXX bill payment service to pay my mortgage with United Wholesale Mortgage. I schedule my payment to be made on the XX/XX/XXXX of the month. Payments are considered late if not received by the XX/XX/XXXX of the month per UWM. UWM keeps charging me a late fee for payments received after the XX/XX/XXXX. I question whether they are using the date they receive the check to credit my account. I suspect they use the date they process the check as the payment date. This breaks Reg Z requirements. I have asked for proof of when they actually received my check and they only send me a printout when the check was processed to the account. When I worked at a mutual fund company, all checks had to be time stamped when they were received so they were processed on the correct day. All in all this causes me a {$95.00} late fee each time it happens. Furthermore, XXXX debits my account on the XX/XX/XXXX when the payment is not credited until the XX/XX/XXXX by UWM. There are 5 days of float that my funds are held hostage??? Sure I can send payment earlier, but I ca n't understand how this is a fair business practice. I am looking for UWM to be held accountable. If then can prove the checks are being received after the due date, then I just have an issue with XXXX debiting funds earlier than the check clears. If they are unable to prove when the checks are being received, then I question all of my late fees and how UWM conducts business. Checks are sent to a PO box , so when the mail is delivered to the PO box , the check is received! Thanks, XXXX P.S. No sympathy from UWM or XXXX. Just the way the process works. I am calling them out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/24/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I signed up for a new checking account with Wells Fargo on X/XX/17 during a promo they were running. I am suppose to recieve a bonus of XXXX dollars after I made XXXX debit card transactions and online statements. I met all the requirements and emailed customer service on X/XX/17 to inquire about my bonus. I was told that I would have to fill out a XXXX form and mail it back when received, I recieved the form on X/XX/17 filled it out and mailed it back. I emailed customer serivce on X/X/17 to inquire about the bonus and told it was under investigation and I would recieve a respnse within 14 business days. I emailed again on X/XX/17 and recieved the same exact message about 14 business days and it was under investigation.

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 04/22/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Cash advance fee

Complaint: On XXXX XXXX, XXXX I bought XXXX XXXX 's gift cards from XXXX through XXXX using my Citi Double Cash card. When I was looking at my credit card statement on XXXX XXXX, I noticed a advanced transaction fee for {$13.00} and a minimum interest charge of {$0.00} which I traced it back to the transaction mentioned above. I spoke to Citi customer service twice and they mentioned that the charge was incurred because it was a quasi financial institution and they blamed the seller for the charge. On the other hand, on XXXX XXXX, XXXX I bought XXXX XXXX 's gift cards from the same seller through XXXX with the same credit card and yet no charge was incurred. This is the second time this has happened to me, the previous time was on XXXX XXXX. Similar situation, bought gift cards through 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 monetary relief
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have an account with XXXX XXXX XXXX that is closed. But is no reporting as open on my credit report. This account has been closed for over a year. I 've requested to have the account removed and is now reporting as open all of a sudden. And it says I 've paid 100 % percent of the balance as a charge off. This information is inaccurate and hurting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-01-2016 about Bank account or service (Checking account) with PNC Bank N.A. (IL).
Issue: Making/receiving payments, sending money

Complaint: Went to a bank PNC yesterday but day before yesterday I went to store, on XXXX #, XXXX XXXX XXXX ) XXXX ) XXXX at XXXX branch I had {$180.00} XXXX yesterday told at XXXX Branch I had only {$34.00} (? ) XXXX $ (? ) Left, I already have other disputes pending and corrupt fraudfilled, deceitful, XXXX, insurance went in electronically allowing them PNC bank to did to do so I 'm alleging PNC bank Is " intentionally fraudulently delaying the " Actual '' funds money availability to my account knowingly " knowing XXXX will spend innocently later funds that I do n't have availavlble.like if I put {$120.00}, in on XXXX on wed with XXXX, using My cash then my XXXX check cones in say '' on Friday, XXXX, is alleging that I 'm negative {$120.00} its fraud n that 's wat I 'm reporting also discrimination vs XXXX etc, XXXX, on loans of any sort with the bank I 've called corporate n filed cfpb greviancies n heard zilch from anyone.I do n't owe XXXX zilch they were just electronically imedialty paid earlier between XXXX # & XXXX # of XXXX debts r owed.as I have to call the stfarm branch on XXXX # XXXX # &, ,to suspend bank payment cuz, my ssi checks are n't avail, til XXXX $ XXXX, XXXX electric payment scam " Picks up as a debt collector '' without disclosures, without a debt license to collect, without warnings of, to consumer of what 's owed allegedly, minus, what XXXX operators r bogusly, telling us customer 's oon calls that " were good ''! Etc, when really they purporting people owe them double months or else is actually vs public policy n break several deception acts n statutory laws under insurance regulations.XXXX, this bank must be shutdown as a failing bank with nothing to offer, no bankers, n account fraud theft n money mismanagement n racism vs XXXX, I demand full return for my coffee mate, n my previous earlier this month dispute n my XXXX cash so I can part ways, After '' I file civil rights actions vs this bank for Ada violations

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Debt collection (Other debt) with The CBE Group, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Ordered internet service from XXXX ( was XXXX XXXX ). They came out several times and I spent endless hours with IT people, but they could not get it to work. Three weeks later, I ordered XXXX service and called to cancel. I was led to believe any/all charges would be waived for the hassles. I had to go return the equipment. Since then, I was hung up on, transferred etc. They have now put $ 70+ on my credit report now and ruined my mortgage application/process. I finally paid it since I spent so much time trying to resolve this like a " normal '' business should. they turned it over to CBE Group which is their collections company. Account number XXXX and approval code CBE used to process my payment is XXXX. XXXX XXXX and service address was XXXX XXXX XXXX, XXXX TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Debt collection (Mortgage) with Fein, Such, Kahn & Shepard, P.C. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: FEIN SUCH AND CRANE sought judgement and sale of my home when they have NO RIGHT TO DO SO. I have been fighting this for over 2 yrs. I was working on a loan modification with XXXX who was the servicer meanwhile XXXX who was no longer the servicer continued with the foreclosure with this firm I contacted this firm on numerous occasions stating that XXXX had no right to proceed with the foreclosure they then claimed they were working for XXXX then they claimed they were working for XXXX. Meanwhile I have letters from XXXX and XXXX stating they were not proceeding with foreclosure since they had no standing with the loan. I sent copies to this law firm they didnt care stated they had judgement and were proceeding with the sale even though THEY HAVE NO RIGHT NO INTEREST IN THE PROPERTY HOW CAN THEY DO THIS

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX XXXX, I was the victim of identity theft. Someone used my Social Security Number and tried to open a XXXX XXXX credit card and a XXXX credit card. The accounts were denied and I received a letter from both companies stating what had happened. But, they are now on my credit report as " hard inquiries '' which they say could be on my report for at least two years. I plan to purchase a house in XXXX and I would like to have the best credit score as possible and this is severely impacting my Equifax score. I had no control over this situation, so I am hoping this could easily and quickly be removed. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with JPMORGAN CHASE & CO. (PA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I pulled my credit file and i noticed that i have 2 recent inquiries from XXXX Card that i did not authorize or request. I do n't know where and why these inquiries are on my file they are dated XX/XX/XXXX and XX/XX/XXXX I did not apply for any credit from CHASE CARD

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Problems caused by my funds being low

Complaint: Overnight on XX/XX/XXXX to XX/XX/XXXX, I received a direct deposit for {$2000.00}, together with a credit of {$220.00} and a manual cash deposit gave me a total of {$2300.00} in my account. {$24.00} was then spent leaving a balance of {$2000.00}. Overnight XX/XX/XXXX to XX/XX/XXXX, a check came through for {$2300.00} leaving a negative of {$24.00}. Before I could cover the deposit, the bank charged me {$34.00} overdraft fee even though I had time to cover this ( I still can. ) They refused to credit this back to me. The XXXX suggested that they backdated the check to collect the fee ( As per XXXX ) Please investigate and prosecute to the fullest extent of the law and have my {$34.00} credited back to my account. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Credit Reporting Agency is reporting an unvalidated and unverified debt from a collections agency.

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 03-09-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX XXXX reported my account as 30 days late on XXXX 2015 when it was not late. I purchased XXXX items from XXXX XXXX and they cancelled my order, charged me for an item that was supposed to be free without informing me. I did n't know I had a balance because of it since I did n't get anything. I called XXXX XXXX regarding this issue and they realized it was their mistake so they offered to send me a gift card instead of putting it back into my credit card because per XXXX XXXX customer service rep they were n't able to put it back into my card. I paid the balance of the credit card then but I guess it was too late since XXXX XXXX reported my account as 30 days late to all credit bureaus. Balance was less than {$30.00}, I would have paid it if I knew about it and if they did n't mess me up. XXXX XXXX has notes in my account as well as XXXX XXXX. But none of them were able to help me remove this negative thing on my credit report which is 30 days late. I have been trying to improve my credit score because I am planning to get a house and my mortgage loan officer said that this 30 day late from XXXX XXXX XXXX XXXX is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have my loan with Ditech and placed my loan on a special plan due to being affected by Hurricane XXXX. I 've received 6 collection calls, within the timeframe I was given for repayment ( before my modified payment was late ), and calls came at all hours of the day and night -- very very early Saturday morning, late Monday evening, etc. 

What 's more is they introduced themselves as a rep from Ditech and immediately proceeded to ask me for my social security number and to verify my phone number ( which they called me on ), and became rude when I refused to give my social security number. They called from this phone number : XXXX XXXX XXXX XXXX, which is different from the Ditech phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I contacted  XXXX  asking them to take my public records and tax liens off of my credit. It is still on there and I am wanting it removed. I know there is a new law for credit reporting companies to take those things off of your credit I have asked them and they will not do so.   Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello my name is XXXX XXXX, I 've been apply for a personal loan in XXXX XXXX XXXX XXXX in XXXX XXXX XXXX and they denied my application because they said in my credit report shows somebodyelse information what is not accurate because is check my credit report trough creditkarma and it 's not showing anything else then my personal information

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 10/14/2015 about Debt collection (Credit card) with Hood & Stacy, P.A. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have been receiving threatening mail correspondence from Hood & Stacy attorneys at law regarding an alleged debt - account that was opened back in 2004. This account was disputed to the financial institution due to identity theft. Now, this office is attempting to collect the amount of {$8000.00} for charges that I am not liable for. I asked them for verification of the debt, and they sent me a contract agreement containing a forged signature, which by all means is not my real signature. They also provided me with an address that I did not have at the time I supposedly opened this account. I also ask them to provide me with details of how the amount was calculated since I was curious, and they failed to do so. Now, I am receiving harassing correspondence from this office, and I would like for them to stop any collection activity since I am not liable for any portion of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation