milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Commonwealth Financial Systems, Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Commonwealth  financial systems is misrepresenting how old my debt is. The accounts are from  XXXX  and they are listing them from  XXXX  of  XXXX . I 've tried to get them to correct this but they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am disputing account number XXXXXXXX with XXXX for an amount of {$290.00} because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Vehicle loan or lease (Loan) with FIFTH THIRD FINANCIAL CORPORATION (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I received a late pay in XXXX ... I made a payment but due to the incorrect classification of the account the payment was returned. I was never notified by the bank. The following month I go online to make a payment and there are two payments due. I immediately made ( 2 ) payments to corrrect the mistake. It was reported to credit bureau a few days later so i called 5th Third back in the hopes of getting this removed with no success. I disputed the late pay with the bureaus as I did make a payment & the money was there. 5th Third then came back and instead of the one late pay added for more that were related to a payment deferment that was processed late. The action case off as very unreasonable and spiteful. I have contacted the company and disputed all the late pays with no success as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Mortgage (Conventional home mortgage) with GUILD MORTGAGE COMPANY (CA).
Issue: Closing on a mortgage

Complaint: XX/XX/XXXX - Everything was fine until I started emailing XXXX NMLS # XXXX. I told her that my home was closing by end of next month and she should start the process. No response. 

XX/XX/XXXX - Requested her to keep tracking of the daily rates and prepare a rate lock for me when there is points towards closing. No response. 

XX/XX/XXXX - Seller request documents from XXXX and she starts the loan process where she needs to collect all my information from me. Orders a rush appraisal since loan would be closing in two weeks. The appraiser couldnt appraise home because it has not completed construction. XXXX said I was responsible for the fees. 

XX/XX/XXXX - I requested rate lock since she never responded to my emails and i would be closing in 11 days. She told me i had to decide in 40 mins for her to lock my rate. This is when the rate was going up in the month and i should 've received a lower rate and points to closing. 

XX/XX/XXXX - requested that i take the first time home buyer course and provide them the certificate. This process takes awhile and should 've been requested earlier. She offered me free courses that I can attend for free to get the certificate. But then when I tried to apply she told me that I was not qualified and it was not necessary for me to attend the course. But now i have to pay {$99.00} to complete the course online and pushes back my loan closing date. 

XX/XX/XXXX - Requests me to sign the Certificate of Occupancy which should 've been signed awhile ago and communicating with seller. 

XX/XX/XXXX - Title signing has been canceled for tomorrow. XXXX was trying to blame/accused the seller for not providing " documents '' on time by making up documents requested from seller.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (SC).
Issue: Trouble during payment process

Complaint: In   XXXX   I purchased a home in  XXXX , MO for {$38000.00}. I immediately established automatic payments to be drafted from my checking account each month with the loan servicing company and was never late or missed a payment. On  XX/XX/XXXX , Chase Mortgage took over the servicing of the loan. Their communication regarding instructions on how to establish payments was not timely and inconsistent. As a result, the  XX/XX/XXXX  payment due to Chase was late. Payments since  XXXX  have all been on time. There was only one late payment and it was clearly due to the transferring of the loan serving company and all of the associated changes that go along with that transition. The fact that Chase 's communication was lacking in punctuality did not help the situation. Despite the peculiarity of the situation when looking at my payment history, Chase reported my late payment to the credit bureaus and I now have a blemish on my credit report that misrepresents my true credit behavior. I have communicated with Chase directly as well as through the BBB and they refuse to reconcile this issue. They are required by the Fair Credit Act to report issues with credit, however they are failing to meet this requirement as this is not an instance of poor credit, but simply a result of a communication breakdown.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (TX).
Issue: Making/receiving payments, sending money

Complaint: I cashed a check from a friend against my business account. About 1 month after I get a notice that the check had been returned and charged back the amount plus a fee. I contacted my friend and she got with XXXX XXXX XXXX and they supplied her with the documentation proving they had infact cleared the check. I have been going back and forth between my bank, Chase and her bank, XXXX XXXX XXXX and I am getting the run around and I am fed up!! I spent 4 hours on a XXXX way call on XXXX XXXX with XXXX XXXX XXXX and Chase and the lady from Chase basically said it looked like it was a mistake on Chase 's part. To this day I have yet to get my {$230.00} from anyone nor can I get an answer!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Medical debt) with Receivable Management Group, Inc. (GA) (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The aforementioned credit agency representing   XXXX   XXXX   has violated the FCRA by not providing documents to me in regards to this debt I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files :  XXXX ,  XXXX , and  XXXX . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertain to this debt. If  Receivable Mgmt Group  does not have any documentation, they need to remove this from my credit file immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Medical debt) with EQUIFAX, INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX, XXXX written request to validate debt sent certified mail directly to XXXX XXXX XXXX. As of today, XXXX XXXX, XXXX I have not received written documentation to validate such debt. Furthermore, I have submitted 3 times already a dispute with EQUIFAX this same information and keep being told to make contact with XXXX XXXX XXXX. I have done so and XXXX XXXX XXXX has failed to validate this debt in a timely manner. 
EQUIFAX states that this collection agency has supplied information confirming this debt belongs to me but has failed to provide me with said information. 
EQUIFAX states 'Notice to Consumers- " You may request a description of the procedure used to determine the accuracy and the completeness of the information.. '' I HAVE BEEN DENIED THIS INFORMATION IN ALL 3 DISPUTES SUBMITTED TO EQUIFAX. 
The collection agency has failed to validate this debt and I have been treated unfairly by the credit bureau in reference to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Midland Funding purchased an old XX/XX/XXXX XXXX credit card and had an incorrect address, threatened to suit and said they were attorneys when they were only collectors. There 's a judgement with no signature of mine or my husband and the law firm would n't talk to me because of the incorrect address Midland had.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: We are currently in the process of a short sale. Unfortunately the lender 's inspector is making regular visits to our home and has stolen XXXX items from the home and continue to damage the property. Initially the locks were destroyed and now the garage door has been destroyed. It appears this individual is deliberately trying to further destroy our property every time we file a complaint about the damage to the property. The new buyer should not have to be responsible for repairing these damages because they were not there when she viewed the home and made an offer on the home. Every week we find some damage done inside of the home and the inspector is the only one with a key, besides my husband. This needs to stop!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint: I received my bank of America monthly statement. I used to be a bank of America employee. I never use this account and the closest banking center is 45 miles from my home. Bank of America never notified me of any changes that would take place to my account and now I am being charged with a XXXX service fee. My balance was {$5.00} It was opened in XXXX of 2016. I  never received a fee prior to this. I called the customer service line and told them to close the account and waive the fee. After 30 minutes on the phone I was transferred to the collections department who informed me I will continue to accrue a XXXX a month fee and they are unable to close my account until I pay the negative balance of XXXX. She also stated I will receive another XXXX fee on my next billing cycle. I have no transaction history on this account. had they notified me that I would accrue a monthly charge I would have closed it earlier. I received no correspondence from Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/29/2017 about Credit reporting () with EQUIFAX, INC. (NH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 'm disputing verification of Chapter XXXX Bankruptcy, I 'm informed that the credit bureau 's were reporting a bankruptcy and that the courts do not verify a bankruptcy and therefore they pulled that from a third-party reporting agency therefore it must be removed/deleted from all XXXX credit bureau 's, Equifax, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Debt collection (I do not know) with Phoenix Financial Services LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Received a letter from credit reporting agency that there was a change in my credit file. Do not know this company or why they appear on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Problems caused by my funds being low

Complaint: I contacted Citizens Bank Of MA in regards to XXXX overdraft fees that were issued to my account that I would like waived, I check my account every day ( sometimes twice ; morning and XXXX ) and the transactions were not posted. ( Previously I was instructed if my account was ever to go into the negative as long as the money was transferred the same day then I would n't incur a fee. The next day when I checked my account and saw it was in the negative, I immediately transferred the necessary funds. After calling the bank and speaking to a supervisor, who told me that sometimes charges post overnight they still are not responsible to give me back the XXXX {$35.00} overdraft fees because the dates that is shown for the posted transactions and the next morning transfers are different. In addition, to the supervisor being very curt while indirectly admitting his bank post transactions after business hours which led to false overdraft charges that did n't post until 2 days later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-02-2015 about Debt collection (Payday loan) with QC HOLDINGS INC (IL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: On Monday XXXX XXXX, 2015 around XXXX, someone called my sister n law 's phone looking for me and she told them that they have the wrong number. I called them back and spoke to a man who said that I was being accused of fraud for writing multiple bad checks and that I owed around {$5400.00} in fees. He said that I probably just made a mistake and that could settle this for about {$1000.00}. I told him that I needed him to send me something in writing to verify this and he told me that he did not have to because it was past the point of collections. I told him that the conversation would be over if he could not provide this information to me and he began yelling at me and hung up on me. When I came home i also received a voicemail from this same number just stating that there was a claim in their office and I needed to contact them back. On Tuesday, XXXX XXXX, 2015 at XXXX, I received another call from this number. I called this number back and spoke to a woman who identified this company as XXXX XXXX and stated that she was not a debt collection agency, but a mediation agency. She stated that I was being accused of fraud for writing bad checks as well and I explained to her that I would need something in writing stating what I was being accused of and how much I owed. She said that if I did n't resolve this issue that I would be referred to the county for fraud. She told me that they had me on camera walking into a loan store and writing a bad check and that is considered fraud. I then told her that I did have a payday that I took out in the past that defaulted and that I tried to make a payment arrangement with that company and the company did not want to accept my arrangement. She told me that I could settle this for about {$1000.00} and I told her that I needed to see what I was being accused of in writing first. She kept insisting that I make a arrangements with her and I kept insisting she give me something in writing. After going back and forth she said that she was just going to send this in and that I needed to get an attorney and that I would be liable for about {$4000.00} and hung up on me. I have this conversation recorded on my phone and can email it to any party that needs this or I can replay it. I tried XXXX this company and found no results. This woman did have some information about this debt but was not accurate. I believe that this company has violated The Fair Debt Collection Act for accusing me of a crime for owing a debt and accusing me of writing multiple bad checks because I took out a payday loan that defaulted. They also are not representing themselves as debt collectors which is also fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/24/2016 about Credit reporting () with EQUIFAX, INC. (AK).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In XXXX I had a Tax bill and the IRS put a lien on my account in XXXX. In XXXX I worked with the IRS to withdrawl the Lien from my report and records which they did. XXXX and XXXX removed the Judgement right away but now after 2 or 3 disputes with Equifax they refuse to remove it regardless if I show the paperwork from IRS and Recorders office.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: TransUnion Credit Bureau has reported another unverified account on my credit report. This is a constant violation of Section 609 of the Fair Credit Reporting Act. 
Credit Bureaus are required to verify signatures on Contracts submitted to validate the debts.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (VA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I purchased an appliance from bestbuy in XXXX that was defected and in XXXX after weeks of being tossed around finally they agreed to replace it. the same unit had the same problem after handful of uses .Apparently, this model is defected. However, Bestbuy does not want to deal with it. XXXX washer should not breakdown after 4 washes. I refuse to repair XXXX unit that is brand new. That is unacceptable. However, Bestbuy is brushing me off I called Citibank to dispute the charge for the unit since I got this credit card from bestbuy when I was purchasing the unit. On the phone 3 days ago they informed me that since the charge is few months old I have to put it in writing. SO I did. 
They called me 3 days later from President 's office  that they can not help me and I have to go back to bestbuy. This is absolutely unacceptable since they have to protect the consumer. The woman named XXXX XXXX who kept telling me that she is from President 's  office and there is no one else to go to and she will not talk to me about this again just told me that " it is what it is ''. 
There have been couple of other occassions in past few yrs that a purchase was 3-4 months old and any other credit card company such as XXXX XXXX XXXX or XXXX XXXX reviewed the case and determined that the defected unit should have been addressed by the store and stepped in to protect the consumer. However, since Bestbuy and Citibank work together to sell products they refuse to step in. I asked her for their management and review of policies and the woman said she will send me in 2 weeks and there is no one above her for me to talk to. I have seen numerous reviews by other consumers complaining of the same issue with this credit card company. Unbelievable! 

This is clearly a defected unit and I am left with {$1000.00} charge and no 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 explanation
Consumer complaint received 07/18/2017 about Debt collection (Other debt) with Miller, Stark, Klein and Associates (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: Dear Sir or Madam : Miller Stark Klein Assoc offered me a settlement for the outstanding auto loan with   XXXX   XXXX   from  XXXX . Claiming in order to avoid court proceedings, I should pay immediately. I paid {$1900.00} to Miller Stark Klein on  XX/XX/XXXX , with the impression that my debt with   XXXX   would be settled and rectified.
Unbeknownst to me, Miller Stark Klein Assoc does not have proprietary rights of the outstanding debt with  XXXX . In fact they have zero correlation to said debt with  XXXX . I contacted   XXXX   as of  XX/XX/XXXX , the debt is owned by   XXXX   XXXX   XXXX  .
I am being summoned to court for the amount due in full by   XXXX   XXXX   XXXX  . Miller Stark Klein falsely represented themselves, leading me to believe they were acting on behalf of  XXXX . They defrauded me of my {$1900.00}, all the money I had available in order to settle this debt. Now I am in the midst of a much bigger predicament.
I want my money back! I want Miller Stark Klein to be penalized for misleading people. What they did was wrong ethically. They should not falsely take money from people that are struggling to repay their debts. I am willing to collaborate and/or offer full support to CFPB in regards to this request.
Sincerely,   XXXX   XXXX     XXXX   (   XXXX   )   XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-10-2017 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: To whom it may concern, I recently applied for credit with my bank and was declined because of a a low credit score. While researching the cause of the low credit score, I found there was no justification for my score to be at such a low mark and I seek an internal investigation on all three ( 3 ) reporting agencies for possible minority individual discrimination. As a United States tax paying citizen without any derogatory reporting and without any paying delinquencies with my creditors, I am seeking to establish a potential law suite to challenge the status quo of the following organization. These agencies consist of Experian, XXXX and XXXX. Please inform me about how I can pursue to challenge and correct this matter, 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