milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-07-2017 about Debt collection (Mortgage debt) with Jemcap LLC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: There is a company called  XXXX   XXXX   XXXX   XXXX  ... a foreign  XXXX . They have come into our state buying defaulted mortgage debt without a license by the Department of Consumer Affairs and they are using the courts of this state to collect these debts without a license. They present themselves as " Lenders '' without a lender 's license ... they are in our state 's Supreme Court a nd federal co urts filing illegal foreclosure actions because they buy these debts in default without a debt collection agency license ... they are in cahoots with another company called   XXXX   XXXX   or  Jem Cap ... .. the people of this state do not know or are not well informed of legal and / or lilegal debt collection practices and the laws of this state which protect us. A complaint has been filed with the Department of Consumer Affairs and this company has not responded as of yet ... the DCA can not enforce a response but your agency can ... if not maybe you can forward this complaint to the FTC ... they are running amok i n our State against our citizens, under the radar.

Company response to consumer: Untimely response
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
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: I am filing a legal suit against XXXX and Equifax because they dumped my credit record after a period of no activity, then improperly restored records with a " reported date '' that negatively affected my ability to qualify for a conventional mortgage loan. I need to know how long they are required to maintain consumer credit records.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Trouble during payment process

Complaint: To whom it may concern, On XX/XX/XXXX, I received a statement and was informed the payment would be changed from XXXX to {$8800.00} from XX/XX/XXXX for 25 months ( - {$12000.00} as shortage ). I also found out the calculation of the escrow balance was wrong. Chase escrow department has miscalculated on purpose for over seven years since XX/XX/XXXX. My escrow balance should be {$37000.00}. 1. XX/XX/XXXX : {$11000.00} Total amount of escrow I paid ( XX/XX/XXXX - XX/XX/XXXX ) : {$200000.00} Chase paid tax and home insurance from my escrow account : {$190000.00} The surplus of my escrow account is {$11000.00}. 2. XX/XX/XXXX Temporary Modification : {$19000.00} XX/XX/XXXX : Chase charged the county property tax twice. ( {$18000.00} ) Fee extra charge : {$540.00} 3. XX/XX/XXXX Permanent Modification : {$6400.00} Overcharged Escrow Advance : {$6400.00} 4. I paid {$480.00} more for the payment of XX/XX/XXXX 5.  Total surplus amount of 1, 2, 3, and 4 is {$37000.00}. 6. The discrepancy of the balance is {$49000.00} Therefore, I dispute {$12000.00} as shortage of my escrow account. Chase has been playing around and cheating with my property tax and document fees for over 7 years. I have been calling the customer service, the escalation department, and the executive office for over two months. I have contacted over 30 representatives, but they did not listen to my claim. I urge Chase to correct miscalculation immediately and the surplus amount should be applied to my principal. At the same time Chase should adjust my monthly payment. On XX/XX/XXXX, Chase informed me that there was no mistake and Chase would not adjust the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Debt collection (I do not know) with National Credit Adjusters, LLC (SC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: This debt agency keep calling my telephone number XXXX day and night harassing me and trying to threating me about this debt. They went to far by calling my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Debt collection (I do not know) with LJ Ross Associates (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I never heard of a company called lj Ross and I do n't owe them any money the debt is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (NJ).
Issue: Managing the loan or lease

Complaint: This is a formal complaint that you are reporting inaccurate information on my credit report that is damaging my score. 

I paid this account thinking it would help my credit and be corrected but it did the opposite. 

Here are the inaccuracies or the inconsistencies between all there reports : Account Status : XXXX - Derogatory XXXX - Paid XXXX - Derogatory Terms : XXXX - 72 months XXXX - 72 months XXXX - 0 months Last Reported : XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX Comments : XXXX - Payment after charge off/collection. Paid profit and loss XXXX - Unpaid balance reported as a loss by credit grantor. 
XXXX - Paid charge off Auto Date of Last Activity : XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX Date of Last Payment : XXXX blank XXXX - XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Mortgage (VA mortgage) with FIRST CONTINENTAL MORTGAGE LTD (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Around XXXX XXXX I encounter a family funeral expense and could n't pay my VA Mortgage on XXXX XXXX and I made contact with First Continental /XXXX. 
On a recorded conversation on a landline from my cell phone # XXXX with First Continental rep stated that I can be provided support on XXXX XXXX mortgage payment of {$1700.00}. 
I respectfully requested a deferment of my Va mortgage payment of {$1700.00} for XXXX XXXX and {$1700.00} be placed on my loan payoff, because my XXXX Agent XXXX of XXXX, Texas has listed my home for sale on the XXXX to payoff for the VA loan of {$250000.00}. 
First Continental Mortgage wants me to reapply for a loan modification or Forebearance? Why? VA Lender can just have the {$1700.00} on the VA Loan payoff once my home is sold. 
I been having issues with First Continental /XXXX since XXXX XXXX till Present and now I am selling my home.I have filed various complaints against VA Lender since XXXX XXXX till Present. 
As a XXXX XXXX XXXX Military Veteran I been going through a Discrimination and Retaliation with VA Lender. 
I am XXXX and Retired. 
VA Lender stated they do n't have a payment deferment, but they want me to do a Loan Modification for the {$1700.00} XXXX in which they can put that {$1700.00} on the payoff of the loan was my home is sold. 
Since my filed in XXXX, Texas Bankruptcy Chapter XXXX on XXXX XXXX and BK XXXX discharged on XXXX XXXX by Federal Judge. 
On XXXX XXXX I began making timely VA Mortgage till XXXX XXXX of {$1700.00}

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 01/30/2016 about Debt collection (Credit card) with Nationwide Debt Management Solutions, LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Constant calls to cellular phone. 
Constant calls to my employer sharing personal information. 
Old debt which was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (ID).
Issue: Managing, opening, or closing account

Complaint: Rush card has {$1300.00} of mine held in my account i can view it in there on their website but I have not had access to it since XXXX XXXX. When I have tried contacting them to fix this situation by email, mail and phone I have been put on 1-2 hour holds then hung up on. I spoke with a rep and asked to have my direct deposit returned to the sender only to have them tell me they could do no transactions of any kind. It is now XXXX XXXX and all of my bills are late and I am stranded more than XXXX miles from my home. I still have no access and they tell me they dont either!! Please help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (TX).
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: In XX/XX/XXXX I spoke to someone with Toyota Finance about the end of the lease payment in XX/XX/XXXX and XX/XX/XXXX that the total should not be XXXX. 
It should've been the total XXXX I was told they would check into it and get back to me but they did not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX XXXX will call before or on the due date and demand payment. If you do n't make payment over the phone they report a late payment. This happened in XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Bank account or service (Other bank product/service) with SUNTRUST BANKS, INC. (GA).
Issue: Account opening, closing, or management

Complaint: Greetings, I am having a problem with the SunTrust Bank in XXXX XXXX, Ga. The problem involves the branch at XXXX, XXXX. and the branch located on XXXX XXXX. I had a safety deposit box at the one on XXXX which I closed out XX/XX/XXXX due to my retirement and inability to travel on base. I returned the keys and transferred the box to the XXXX location. After this the bank at the base continued to bill me through XX/XX/XXXX for {$45.00} a month. My wife thought the bill was from the XXXX XXXX. branch and paid it for the last 3 years When I rented the box on XXXX XXXX, I also opened a savings account which they deducted the rent annually. When the amount in the account dropped below the rental amt., they deducted the balance and created a overdrawn situation. They, in turn, have charged me a penalty along with some type of interest charge for approximately {$50.00} and are currently saying I own {$110.00}. In calculating the penalty, they have pyramided the bill which is against the law. 
I have closed out the box on XXXX but was told, I could not close the savings account because I still owed {$110.00} even though my wife has made three {$45.00} payments on the base box which I did not owe. They made the withdrawal and applied the penalty after the fact without notifying me and providing me a chance to pay the {$75.00} rent. How is overdrawing a savings account an acceptable procedure? 
I want the {$110.00} balance removed and the overpayment for the three {$45.00} payments or {$22.00} refunded to 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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
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: In  XXXX   2017 , I settled credit card debts with  XXXX  on behalf of chase bank eliminating my liability on  XXXX  credit cards I had with them. After more than 3 months, chase has failed to accurately update my credit report. They updated the report showing the  Settlement  payments that I made but still reflect a past due balance and status as charge off/collection. I have spoken both with chase and the credit bureaus multiple times without success.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Debt collection (Other debt) with ConServe (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: ConServe is re-aging an old debt from over 7 years ago to have it on my credit report. Not only is the date wrong but the amount is incorrect as well. As they are not the original debtor I am not liable and since the date and the amount are incorrect I would like them to be forced to remove this from my credit report.       Last Reporte d  XX/XX/XXXX Col lection Agency CONSERVE Original Creditor   XXXX   XXXX   Status Open Opened Date XX/XX/XXXX  Clos ed Date -- Responsibility Individual Account.   Balance {$61.00}  High Balance {$6 1.00} Remarks -- This was fr om  XX/XX/XXXX  and the correct amount was {$81.00} I disputed this with the original debtor and it was written  off as a billing error

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I opened my mortgage with XXXX on XX/XX/XXXX ... the account was transferred to XXXX XXXX and closed with XXXX on XX/XX/XXXX. The closed account for XXXX is still reporting negative on Equifax and XXXX. My last report was pulled XX/XX/XXXX in which this action is still reporting. I spoke to several representatives with XXXX XXXX  back inXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also disputed this on my credit report through XXXX XXXX in XX/XX/XXXX. When XXXX XXXX assumed the loan, it reports from the beginning of the opened loan original date. XXXX is reporting as negative from the dates in which XXXX acquired the account. XXXX XXXX has stated this information has to be resolved by XXXX. They acquired the loan and the information and reports from history.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian has XXXX XXXX & XXXX XXXX XXXX XXXX as the same account and errors on 120 120 90 90 90 90 charge of XX/XX/XXXX closed account XX/XX/XXXX but has XX/XX/XXXX 120 days from the transferred account showing 120 days so what Experian is saying that the car went over 5 months with no payment and there was no repo. There are major errors to the reporting. Half report showing and transfer by XX/XX/XXXX to XXXX XXXX XXXX XXXX. I need a letter showing only fromXX/XX/XXXX only showing that {$1900.00} was written off and why I received my title but claiming that {$1900.00} was owed/written off. There should not be the same account showing XX/XX/XXXX closed but at the same time 120 days 120 days and the need documented proof 5 months and no payment as Experian has stated. Also need from the time the loan was taking out showing not years later from XX/XX/XXXX what happen XX/XX/XXXX.XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX all those years. Date open is wrong XXXX XXXX XX/XX/XXXX- XX/XX/XXXX but then the same loan XXXX XXXX XXXX services date open XX/XX/XXXX thru XX/XX/XXXX 8 years in which this loan was not done. then 6 years XX/XX/XXXX loan but the same loan and error after error if the years of the car cant be showed on both and 8 years on the loan experain has and 6 on the other at the same time makes no sense. I have attach a copy of the Experian credit report. according to the 7 years to remove the XX/XX/XXXX dealer services has past it time as Experian has showing : Date Open XX/XX/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
Consumer complaint received 04/22/2016 about Consumer Loan (Installment loan) with Delbert Services (AL).
Issue: Managing the loan or lease

Complaint: In XXXX XXXX I took out a loan from Western Sky that I saw advertised on television to fund a move to XXXX to take a XXXX job. After applying I was contacted by a company named XXXX XXXX and they stated they worked with Western Sky. XXXX XXXX I noticed a company named Delbert on my credit report and that I opened an account in XXXX XXXX. After some investigation I found out Delbert is a collection company owned by the same person that owns XXXX XXXX. The loan was never late and I was never informed of the transfer. Apparently XXXX XXXX got in trouble in several states for illegal loans. They apparently were posing as an XXXX tribe company but they are not. This was the way they were trying to charge 89 percent interest. I talked to the XXXX Attorney General and they stated Delbert is not licensed in the state of XXXX. The Attorney General 's office suggested I stop making payments and contact the CFPB. I stopped the payments and Delbert is now showing the loan amount charged off. In XXXX the usury law caps interest at 29 % and the loan is in violation of XXXX law. Several states have ruled these loans illegal and the loans do not have to be paid.

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 10/21/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (TX).
Issue: Fraud or scam

Complaint: Rushcard has blocked me from retrieving my funds out of my account for {$900.00} that are in my account due to their update of the system on XXXX/XXXX/2015. I have talked to customer service on many occasion just to be told the system is still updating and an escalation had been placed in the back office for review of my account. Plus due to the system update it caused my current debit cards to be inactive which is keeping me from getting my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: THIS IS ACTUASLLY THE SECOND CFPB REPORT I BELIEVE I HAVE HAD TO COMPLAIN ABOUT TO FILE WITH.   XXXX   XXXX   HAS INSISTED ON LEAVING A DERAGOTRY ACCOUNT ON MY REPORT AFTER ALREADY REMOVIGN UIT ONCE DUE TO INACCURACIES! I CALLED THEM, I MOVED, THEY DID N'T SEND THE RIGHT BILL. I TOLD THEM NUMOEROUS TIMES. I WANT THIS ACCOUTN OFF IT IS CRAZY THAT THEY CAN KEEP REINSTERTIG IT AFTER TELLING ME PROVING THEY WIL ; L REMOVE!

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 08-09-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a chapter XXXX bankruptcy that I filed in XXXX of XXXX. I finished filing in the start of XXXX but decided I was going to pay the creditors myself instead of going through with the chapter XXXX. On several occasion I have called equifax they stated that they were deleing my chapter XXXX and it would reflect on my credit report within 30 days but when the 30 days came up it was still not deleted. I even discussed this with a supervisor who stated that it should only take 24/48 hours and it still was not deleted. I was told that the chapter XXXX was supposed to be deleted 7-10 years from when I filed and it has been over 10 years. I would like the chapter XXXX deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 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: Before you attempt to read this message I want to let you know that this isn’t a letter to collect debt. I am writing this letter as an affidavit and a dispute. The accounts listed in this letter is inaccurate and is an error. ERROR ACCOUNTS: XXXX, XXXX XXXX  & INQUIRIES WILL BE IN THE ATTACHMENTS. I have contacted your company 90 days and you seem to be ignoring me which let me know that you are aware of every certified letter I sent to you and you have nothing with my signature bearing my signature or any documents that is attached to me. By law you must remove the items immediately and I am only allowing 24 hours for this to be resolved. I am unaware of the accounts and inquiries listed. I mentioned this in 3 previous letters 90 days ago but your intentions were all wrong and you’ve violated my rights as human being and I’m forced to take legal actions for using my consent with out contacting me. This is a special moment for me knowing that we will be in court soon because you owe me time and damages that you’ve caused stress and more to my life than you ever can imagine. I will be filing a lawsuit very soon and will be looking to be compensated an amount of $XXXX for all the damages.

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