milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with VIRTUOSO SOURCING GROUP, LLC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: i have not received notice of my right to dispute this debt. However this account is showing on all XXXX of my credit reports. Please look into this and i am willing to testify against this company for all violations of law

Company response to consumer: Closed
Consumer complaint received 03-08-2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Constant calls from number entered on form and ( XXXX ) XXXX. These numbers call on average 4 times a day, sometimes within an hour of each other. Any message left is usually dead air, but usually no messages left until about a month of calling, usually within a week of a loan payment issue. This has been going on since the loan was starting to be payed ( approximately 2008 ). They were also told numerous times to not call my cell number, especially without leaving a message. The same type of call patterns are done on my house, cell, and spouses cell. At one point in time the loan payments were in properly distributed. That happened for approximately a year before anyone caught this ( information from company ). I had heard that the company was and the school were sued for improper loan practices, but anytime information is asked for they skirt the issue and ignore it as if I was an XXXX. As I have been working in public service since before the loan was required to begin payment, I have asked on information on loan forgiveness for public servants, with no reply to the question or no reference information. I belive some of the resolution to payments have possibly caused me to give up the chance at loan forgiveness. If they have, I was never told this was going to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Mortgage (VA mortgage) with Dovenmuehle Mortgage, Inc. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX Dovenmuehele Mortgage Inc. refused to pay our county taxes by the due date of XXXX XXXX, 2016. They refuse to have anyone from their tax department take our phone call. They refuse to tell us when payment will be made and why its being paid late. We have called and sent in the bill yet they refused to pay it by the due date. They stated in an email they had till XXXX XXXX. The County Treasurer even emailed them stating this is not true. We called again today and all of a sudden they do n't have the paperwork that allows my wife to handle the mortgage. I had to verify over a three way call and give approval for them to speak with my wife. She spoke with XXXX employee ID XXXX. He would not make any phone calls or find out why the taxes were not paid. He repeated numerous times that there is usually a 40-45 grace period to pay the tax bill past its due date. My wife repeated that this is not the case in our county. He refused to put his boss on the line. He refused to get the payment sent over night mail. He refused to send a message to the tax department so this does n't happen again next year. When asked to speak to his boss we were told we could leave a voicemail for his boss XXXX. He refused to provide her employee number or last name. The voicemail box was a generic one that did not state you had reached XXXX. As we are forced to have our taxes escrowed we are left with the Mortgage company making late payments. As we pay our mortgage payment early every month we expect the Mortgage company to pay our taxes by the due date. This should not be an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX renewed a equity line after the house had been sold. The account owner had Paid off and closed the account down. To find out the account was opened back up without anyone 's approval and the fee was assessed to the account and was reported as delinquent. The bank was told on several occasions to close the account. Now I 'm having trouble getting a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I wrote the  XXXX   Credit Burrows 50 ti mes sending them  XXXX  forms of ID that no bank will Verify m e two open a new account and the Credit Burrow docent respond or sends a Credi t Report so fore about a Year and half i have not been able  two Open a New Ba nk account all respond wee cant verify you.     Now I cant get a new credit card or bank account because there is and extend ed Alert i n my banking file and Im suppose d two call some Number  and call the Bank.   I have written all  XXXX   Credit Burrows two  remove the Hold on my account so i can G et a New Ba nk account.     The Federal Government determined me  XXXX  and my Mom Walked into   XXXX   XXXX   XXXX   forged my Signature and stole  XXXX  dollars from me.     Then i had  XXXX  dollars in Fraud and close d   XXXX      XXXX   XXXX   XXXX   XXXX  Accounts   XXXX   XXXX    XXXX  did n't close the accounts with Fraud i complaine d two    XXXX   XXXX   XXXX   XXXX  then sent  XXXX  of my ATM cards  two and   Address not mine and   XXXX   XXXX   XXXX   worker stole  XXXX  dollars from me. I have been in court 8 years against  XXXX   XXXX  and   XXXX   XXXX   XXXX   XXXX  only 100 % respond its imposabl e two Comprehend .      Im  a Refugee living in  XXXX  and  have two move two a  new country every 3 months so I do n't use a Phone because they only work in  XXXX  country so i would ha ve two  Spend  XXXX  Dollars a yea r two D eal with the  Credit Reporting agen cy wants the ban k two call   me two open a  new bank Account.   The Federal Government has determined me  XXXX  i do n't use a Phone do  two  My  XXXX  and please accommodate my  XXXX  and help me open a New bank account without a Phone. I can Send the bank  XXXX  forms of id buy Email and electronically transf er Money two Verify Myself.        XXXX   XXXX   XXXX   XXXX  Robs me  XXXX  dollars then i cant open a new account in 2 years is discriminatory, Please take the Hold off my Account so i can get a master Card.       I live in  XXXX  the  XXXX   XXXX   XXXX   XXXX   XXXX  of the world and do n't wa nt two send    XXXX  forms of Id threw the mail that takes a month and the credit Burrow wont wan t two R ight me Back in  XXXX  there is very little working mail.       Send the  Credit b urrow  XXXX  forms of I D 50 ti mes and they will only respond send ID

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 07-04-2016 about Debt collection (Credit card) with TD BANK US HOLDING COMPANY (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Target is reporting a status of Charge Off to Experian which is incorrect. I have been attempting to resolve this issue for almost for years. This account was legally discharged through a bankruptcy, this account was never charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (IN).
Issue: Making/receiving payments, sending money

Complaint: I paid via Paypal a friend for a game currency but then I canceled since it went threw as an echeck then the cancellation said it was successful via Paypal but I check my debits card new posted balance and the {$23.00} is deducted which was the amount I canceled via Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed the XXXX XXXX XXXX account as well as the 10 year old XXXX account. I have attached an statement provided by XXXX XXXX XXXX to fill out because of the fraud on my account, I also made state with the internet crimes department. So this should not be on report. 
The XXXX account should have been deleted due to age. Also I have provided payoff letter provided by XXXX. Not sure how they state last payment made in XXXX, when it cleary states account was paid off in XXXX. They also sent me a document to see if I would pay XXXX % of the bill to clear matter. So clearly they have some type of issues knowing what to do quoth account. i have also filed complaint with the XXXX about this.

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 10-09-2017 about Debt collection (Other debt) with ERC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I requested to have the debt validated, documents were provided but some of the documents were modified, some of the documents are showing due dates of XX/XX/XXXXwhere others are showingXX/XX/XXXX I  called the original creditor at XXXX and spoke with XXXX in XXXX XXXX who informed that the debt had been charged off. 

From my understanding if a debt has been charged off it is not collectable by a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX, XXXX and XXXX  credit report reveals that a fraudulent application was submitted to CBNA/Best Buy with his information that resulted in an inquiry XX/XX/XXXX and XX/XX/XXXX that he did not authorize. In addition an application with CBNA/Sears was also submitted with his information XX/XX/XXXX. An official dispute of this information was sent certified mail to CBNA/Best Buy and CBNA/SEARS however a current credit shows these fraudulent inquiries are still listed which is a violation of the FCRA.

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 11/15/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Account opening, closing, or management

Complaint: I have been trying to remove my name from my daughter 's account and the Bank of America has made it impossible. My daughter lives in a different state, the bank said we need to go to any branch together to remove my name. We did this but the bank refused to remove my name because they had no Notary on staff. We called 4 different banks in our area and none of them had a notary available. We have been trying for about 4 months and my daughter has come to CT 9 time trying to get this done. But all the banks said they can not do it. I called the main number explaining the situation and they said they would remove my name. That was about six weeks ago and my name is still on her 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 non-monetary relief
Consumer complaint received 08/30/2016 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: Two different times, XXXX different Capital One Bank 360 customer service representatives misled and misinformed me about applying for a Capital One Bank 360 checking account overdraft line of credit. The first took place on XXXX XXXX, 2016, and the second took place, a day later on XXXX XXXX, 2016. I specifically asked both Capital One Bank 360 customer service representatives, on two different occasions, if me having a security freeze on my XXXX credit file would affect/stop Capital One Bank, in any way or form, from receiving my credit score and both times, both different Capital One 360 customer service representatives confirmed with and assured me that the security freeze would n't affect/stop Capital One Bank from receiving my credit score from Equifax. Well now I have XXXX inquiries from Capital One Bank on my XXXX credit file and both of those Capital One Bank inquiries are now unfairly lowering my credit score. Capital One Bank never received my credit score from Equifax because of my security freeze. Capital One Bank then also totally denied me a XXXX checking account overdraft line of credit and is now also refusing to remove both inquiries ( XXXX XXXX, XXXX XXXX, 2016 ) from my XXXX credit file but this time Capital One Bank 's 360 customer service representative are recommending that I contact XXXX directly so that I can have XXXX lift my security freeze temporarily so that I then once again reapply for another Capital One Bank 360 checking account overdraft line of credit but before I do that I need the XXXX previous inquiries totally removed from my XXXX credit file because I refuse to add yet another Capital One Bank related inquiry on my XXXX credit file so that my credit score is lowered even more and especially when the XXXX Capital One Bank related inquiries that are already on my XXXX credit file, are there because of me being totally misled and misinformed by Capital One Bank 's 360 customer service department and/or representatives!!!! I do want and need an overdraft line of credit on my XXXX checking account. Also in both of the denial emails I received from XXXX was there ever a mention about my XXXX security freeze causing XXXX any type or form of problems or delays, whenever XXXX requested my credit file or score from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 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 have been trying to clear errors on my credit report starting XXXX XXXX until now. Recently Equifax inadvertently changed my address to reflect XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX I had in the past months sent them a copy of my ID and my utility bill but they changed it to reflect something incorrect. Secondly, there were several items removed off my credit report in the past months, On XXXX XXXX, XXXX the items were not listed on my credit report, on XXXX XXXX XXXX I refreshed my credit report and they had readied the errors back on my credit report without sending the reinsert letter which is a clear violation of the FCRA, FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 
*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. 

Here are the accounts added on my credit report without sending the reinsert letter XXXX XXXX XXXX XXXX XXXX {$5700.00} XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX - {$45.00} XXXX XXXX XXXX XXXX - {$840.00} XXXX XXXX XXXX - {$78.00} XXXX XXXX {$54.00}

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I recently refinanced my home. Green Tree was my mortgage company, but I refinanced through XXXX. Green Tree owed me excess funds that were in my escrow account with them. Green Tree issued a check in payment, in the amount of {$1000.00}. That check from Green Tree bounced, as the check was written on a closed account. I have contacted Green Tree Customer No-service XXXX times ( XXXX XXXX & XXXX, and XXXX XXXX ) via telephone. On XXXX XXXX, the GT representative said that the process of cancelling the XXXX check and reissuing a replacement check could take up to XXXX days. I find all of this to be outrageous! First, that they would make such a mistake ( if it is a mistake, and not a policy to delay payouts ) and secondly, that they are dragging their feet in terms of rectifying the situation. Green Tree Servicing, and Green Tree financial are well-known for bending/breaking the rules and for terrible customer service ( see the Victims of Green Tree page on XXXX, if you doubt me ), and such abuses need to be stopped! I am retired on XXXX, and am XXXX. The {$1000.00} is a huge amount of money to me, and they do n't seem to give a XXXX. I have been informed that issuing a check when there are no funds behind it is a criminal offense. I believe it is possible that Green Tree may routinely do to others what is being done to me, in that they are able to make money on holding their customers ' money while they delay paying what is owed. For a very large company like Green Tree, those small amounts could add up to a significant amount over time. Meanwhile, I have a new mortgage to pay without having that {$1000.00} to aid in doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (AZ).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I had a Chase credit card ( ending XXXX ) that I cancelled on XX/XX/XXXX at XXXX M.S.T. 
after contacting Chase via phone. 
I informed Chase that the card and account was cancelled and that I would NOT accept any new cards. 
They ignored it all. So, keep up my requests. I did so at least 34 times via secured Chase e-mails, multiple recorded phone calls, and 1 ( one ) letter on XX/XX/XXXX to their main office : Chase Services XXXX XXXX XXXX XXXX, DE XXXX I informed them I wanted a reply that they acknowledge the card ending XXXX and account were closed along with any bank links and that I would accept NO further cards. That, if in fact, the did not reply or issue additional cards I would contact the SEC, Federal Reserve, BBB, and State Attorney General of Arizona, and will consider possible legal action against Chase The ignored contact, letters, and calls and then issued a card ending XXXX without my permission. 

Im still receiving paperwork for this new card via the U.S.P.S. and my old ( XXXX ) account is not closed. 
It has affected my credit rating. 

Their actions are fraud! They refuse to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Mortgage (Conventional home mortgage) with MORTGAGE SOLUTIONS OF COLORADO (CA).
Issue: Struggling to pay mortgage

Complaint: I have been working with Mortgage solutions of Colorado since my original submission from XXXX & XXXX of this year to resolve in loss mitigation options. Unfortunately, I feel neglected during this process as I feel as my responses and compliance with all requests are not being taken into consideration.
I am being requested to re-date certain applications, where they have failed to review in a timely manner. Why is it that I am in fault for documents that have been outdated due to their negligence?

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 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, 2015 I sold my condo under a short sale with XXXX and America Servicing Company. ASC reported my sale incorrectly as a foreclosure. I 'm writing you hoping that you 're able to help me get this reported correctly. XXXX reported it as a short sale. XXXX and XXXX are reporting foreclosure and XXXX is reporting short sale 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 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: You have reported incorrect 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 explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EXETER FINANCE CORP. (PA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint: I 'm getting another letter from Exeter Finance saying my paying car off was a trivial matter. They wont take the issue off the XXXX XXXX. 

I submitted a dispute. 

The payment in full $ 12,000+ was received from the car dealership and the creditor recorded it as late. It is lowering my credit score and they wo n't take the derog off the report. XXXX

Company response to consumer: Closed with explanation