milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/31/2015 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (FL).
Issue: Application, originator, mortgage broker

Complaint: In 2008 I met a gentleman by the name of XXXX XXXX. His home address is XXXX XXXX XXXX XXXX ; XXXX XXXX, FL XXXX. His mobile phone number is XXXX. He told me that he was selling homes that he owned at a great price and that there would be a {$10000.00} USD profit pay-out at closing if I decided to purchase. He also advised that I contact a mortgage broker that he works with named XXXX XXXX. Her company is XXXX XXXX XXXX XXXX , XXXX. The address is XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX, FL XXXX. Her office number is XXXX and her mobile number is XXXX. The first time I met XXXX, XXXX, myself, and my sister were all in her office at XXXX XXXX XXXX XXXX at XXXX XXXX XXXX ; XXXX, FL XXXX. She and XXXX were explaining that I would generate $ XXXX to do the repairs and upgrades to the home upon closing on XXXX of XXXX 's homes that he was selling. The address of the home that I purchased and currently occupy is XXXX XXXX XXXX XXXX. XXXX never took me to the home to look around and check it out. She never advised that I should take such actions either. Still, XXXX ( the seller ) told me that the sales price would be {$170000.00} USD. Upon getting a pre-approval and an approval for an FHA mortgage from a private financial intermediary ( XXXX of who I also believe partook in this mortgage fraud ), XXXX never mentioned that I would be required to put a down payment on the home, let alone 3.5 %. I believe that a private lender financed the home and sold the mortgage to SUNTRUST BANK in addition to an inflated interest rate. Furthermore, according to the credit history, strength and income-to-debt ratio, the SUNTRUST agent should have known that it was a fraudulent transaction. I was under the false pretense that I would be receiving 100 % financing, get the additional $ XXXX to do the repairs and upgrades on the home, and have the closing cost paid by the seller. There was an appraisal conducted by XXXX XXXX from XXXX. The location is XXXX XXXX XXXX XXXX ; XXXX XXXX # XXXX ; XXXX, FL XXXX. Her mobile number is XXXX and the office number is XXXX. She appraised the home at $ XXXXUSD. I also believe that the appraiser inflated the value of the home in accordance to this ordeal. Around XX/XX/2008, I received a call from XXXX to come to her office. She advised me that " the bank '' was having problems approving the loan and that she would have to increase the price of the home from {$170000.00} to {$180000.00} USD in order to get an approval. I had recently signed a contract on the home for {$170000.00}. She assured me that it was n't going to make a difference because I would now be receiving the amount of {$25000.00} USD.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I contacted TransUnion and spoke a credit rep for them to removed these inquiries that reappeared on my credit report after their " inquiry issue '' and they told me that they would NOT help the inquiries that are listed below were removed off my report and then reappeared without any notification why. 

XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XX/XX/2016  XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX  XX/XX/2016  XXXX XXXX XXXX XX/XX/2016 XXXX XX/XX/2016

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 07/22/2016 about Prepaid card (Other special purpose card) with CITIBANK, N.A. (OH).
Issue: Advertising, marketing or disclosures

Complaint: I was issued a promotional prepaid card from Citi Bank. It was not clear to me that on the " good through '' date on the card the funds would " disappear. '' My understanding is that I would have to obtain a new card.

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 03/14/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed a bankruptcy on my credit report, which came back verified. I checked with XXXX and the bankruptcy had been removed. I sent proof to the credit bureaus but they stated that they would not reinvestigate.

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 05/15/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX/XXXX/16 CFPB CC EQUIFAX Dear CFPB I want to thank you for allowing me to argue my case on behalf of Equifax I have submitting documents after documents on supporting my point about Equifax in violation pof the FCRA 609 ACT that congress put into law to protect consumer 's I have sent in document 's, Certified letter recipt costing well Over {$100.00} or more and they have still not yet demand my request. They are well Over there 30 days of investigation time that the federal government allow them to investigate such a complaint. As you know we have recieved on your site from they did n't know what i was disputing from they have verify the account with the orginial creditor.. I had forward supporting documents on the XXXX that they are reporting the wrong account number That is none of mine. so there Investigation is a straight up Lie.. I asked Once again to have have the closed XXXX account removed from my credit file and also the barclaycard card beremoved ( not my account ) and the closed onemain account be removed as well. Since XXXX XXXX i have been asking for documents from Equifax since XXXX XXXX 2016 and nothing yet So cfpb I ask you to take this case Over and take all the Legal power that you have to fine this company to your fullest. The reporting agencies number 1 is not for the consumer 's as we all Know but their is a federal law in place that they have to follow that law and do it promptly I can not break the laws and bilaw and you can not either so why should equifax think that they do not have to follow the federal so I thank you so much for allow me to use your site to argue and fight for my rights ... ( So i asked you to take charge and do what you have to do to the fullest!! 
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (LA).
Issue: Managing the loan or lease

Complaint: My husband and I attempted to make a payment in the amount of {$100.00} on XXXX/XXXX/16. The payment was declined. We spoke with the account manager that evening and explained that we were waiting on a direct deposit to be put through. She advised that we needed to contact her the next day. The company continued to attempt the payment without our consent until it finally went through. No authorization to draft our account was given, with the exception of the attempt on XXXX/XXXX/16. When we notified the loan company of the issue, they became rude stating that we needed to make a payment, and that since we gave them authorization on XXXX, they continued to try to collect the amount authorized. The GM has been attempting to have the call recording pulled, but has not had any luck. We were under the understanding that the payment declined, and that we were to contact the loan company the following day. We were never informed that they would continue to attempt to draft our account until they got an approval. The payment that was drafted caused our checking account to be overdrawn.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are XXXX names on my credit report that are not mine and I have never used - XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was placed into Collections for an ER visit on XX/XX/2016. I did not visit any Emergency room on that date. The company that bought the debt did it for their gain maliciously. For the record I have a primary insurance and a secondary insurance and I never have any co-pays so there will not be any reason why I will have a medical bill that is outstanding this debt is bogus. I want your company to cease all further contact with me. If you have any questions or comments I will gladly give you the phone number to my attorney. I want the CFPB to investigate this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This credit account is inaccurate because the late payments reported are incorrect. The late payments correspond to errors committed by XXXX XXXX BANK Account # XXXX unilaterally and incorrectly reported payment of my mortgage history, this error was subsequently corrected and mailed into all XXXX credit bureaus ; nevertheless the late payments continue to appear on my credit report. I am requesting that all late payment history is removed due to this inaccuracy.

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 08/13/2015 about Credit card () with ENCORE CAPITAL GROUP INC. (AL).
Issue: Billing disputes

Complaint: I applied for a job as of XX/XX/XXXX and my credit was checked. I was unable to get a job due to my credit report. As of XX/XX/XXXX, my credit cards were abused by someone that was XXXX. I was under the impression that this was deleted from my credit report. I need to know what I can do to have these charges removed from my credit report. I paid off most of the credit cards. As of now, I only have one credit card. I am trying to rebuild my credit. Please advise me what I need to do. I am unable to pay these charges off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I recently submitted a request for investigation of the following Accounts : XXXX # XXXX XXXX # XXXX. 
XXXX. # XXXX these accounts where disputed and never deleted. 
FCRA Act 609 ( a1 ) ( e2 ), 623 ( a1 ) violation please all accounts delete. 
This account is in dispute with the original creditor error please delete accounts. 


This which you DECLINED. I sent info for TransUnion or agent of TransUnion to carry out a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. 

If you had investigated properly, no XXXX system thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine - though your company claims to have " verified '' 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 08-03-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax deleted an auto loan from XXXX XXXX XXXX that I paid off in XX/XX/2014 that was previously on my Equifax credit report XXXX/XXXX/14, Ref : Equifax Confirmation # XXXX and now I do n't have a Credit score from Equifax. I need Equifax to Re-Insert my auto loan from XXXX XXXX services back on my credit report. I 'm also a member with XXXX XXXX and was checking my credit report/credit score every week and I had a credit report/Credit score for both Equifax & XXXX. Equifax claims they did n't delete this, my auto loan company must have and I ca n't file a claim because it does n't appear on my credit report. My auto loan company did n't delete this, this auto loan still appears on my XXXX and XXXX credit reports as paid. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Debt collection (Payday loan) with Allied Interstate LLC (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have reached out to Alliance Interstate to make a settlement on a XXXX XXXX account. After multiple discussions with collection specialists, I asked for clarity on the reduced settlement amount that I was offered. Allied interstate refused to provide me in writing prior to making the settlement payment of {$1500.00} that this is the amount that they offered to pay. I then asked to speak with a collection manager and was told that the manager was not on duty by XXXX XXXX. Per XXXX, no letter can be sent until after payment to reflect settlement. He initially refused to allow me to speak with a manager. I was then transferred to XXXX XXXX who then admitted that he was a collections specialist and not a manager. I then transferred to XXXX XXXX who identified herself as a manager. She initially told me that following payment on my settlement, I would receive my confirmation in 7 to 10 days. She then refused to answer any further questions and transferred me back to XXXX XXXX. I am now being told that I will not receive my confirmation of payment for approximately one month. I raised the concern of paying a settlement of debt without any proof of the agreement. I was told that the call is recorded and that is sufficient enough. I am requesting Allied Interstate provide me in writing confirmation of the agreed upon settlement. I was told I can not receive any proof of amount for settlement via fax or email.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/14/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. ().
Issue: Closing on a mortgage

Complaint: The mortgage was fully paid and settled by XXXX XXXX XXXX as part of the Closing disclosure on the XX/XX/XXXX. Chase Bank continued to activate my auto pay instructions with XXXX XXXX and submitted monthly installment request on XX/XX/XXXX and XX/XX/XXXX. As I maintain this account exclusively for rental transactions, I did not have sufficient funds and the bank returned payment request unpaid on both occasions and charged me {$36.00} on each occasion. I called Chase Bank on the XX/XX/XXXX and informed them about this and stop sending payment request with immediate effect. Despite, they have sent the request for the second time on the XX/XX/XXXX. I have sent the attached letter to the Bank via fax number given to me. This will affect my credit and I wanted them to remedy this as well. I am sending this complaint to you with a request to let the public know that the bank will continue to send payment request despite closing the account. Thanks for your prompt action. Best regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AZ).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: Complained to financing company about the vehicle being defective. Ca n't trade in the vehicle due to manufacturer defec t. Vehicle leaks gas and has electrical issues. As a consumer, I should n't have to continue pay for a Vehicle that has  issues. Especially when the customer has a defective product and has complained about it numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was added as an authorized user on my wife 's credit cards. 
Without my permission. I asked to be removed on XXXX/XXXX/2015 and was told my name was removed from all three. She filed for debt reduction XXXX of the cards are still on my credit report. 
I want them removed

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit card or prepaid card (General-purpose prepaid card) with JPMORGAN CHASE & CO. (CA).
Issue: Unexpected or other fees

Complaint: Around XX/XX/XXXX my son 's debit card from Chase bank was fraudulent use in an ATM machine in the state of Florida. I have a joint account withy son. I personally do n't have ATM or debit card They withdraw {$1500.00} from my son 's account and {$1500.00} from my account in a three different transaction from three ATM in the city of XXXX in Florida and try to withdraw more money in the city of XXXX, but the machine did not allowed. 
After contacting the bank and my son filling an affidavit. the money was restore to our account. 
Around XX/XX/XXXX Chase reverse the transaction and again and the money was withdraw form our account. 
My son went personally to the bank with a letter from his work that stated he never went to Florida and he was in CA all that time. 
Around XX/XX/XXXX the money was deposit in our account .Today XX/XX/XXXX they reverse the transaction and the money was withdraw again. 
We are tired with this Bank procedure, this matter is not resolve THIS WAS A FRAUDULENT TRANSACTION AND THE BANK DOES NOT WANT TO BE RESPONSIBLE I WANT PROOF THAT MY SON OR I DID THIS TRANSACTION.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-08-2016 about Debt collection (Payday loan) with Dynamic Recovery Solutions, LLC (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: For the past year I have been working with a debt management law firm, XXXX XXXX XXXX. They have been negotiating with several lenders including XXXX XXXX. I know they have reached out and spoken with XXXX XXXX yet I am still being harassed by them. Most recently they obtained my former address and have been calling and mailing letters to this address. I know longer live at that address nor was I even living there at the time the loan was taken. I believe this violates my privacy. Also I have been receiving emails. I received 3 within two hours today. These emails claim that Dynamic Recovery Solutions acknowledges my promise to pay them $ XXXX amount of money. I have never talked to Dynamic Recovery. I send all there correspondence to my lawyers. They do not even have my bank account information and if they do then it was illegally obtained because I never gave Dynamic Recovery any of my information. I believe this to be fraud and shady business practices. In their email they are trying to be deceptive in getting me to sign an authorization form because they know they are not acting in good faith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2015 about Debt collection (Medical) with State Collection Service, Inc. (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I had a credit report pulled and a collection appeared for {$1.00} with State Collection Service in favor of XXXX XXXX XXXX. I have not received any other notices or communication in any form from State Collection or XXXX XXXX concerning an outstanding balance of {$1.00} for debt owed and have paid all known medical billings to XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/30/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (GA).
Issue: Managing the loan or lease

Complaint: Ally Auto agreed to let me skip XXXX payments in XXXX and XXXX of XXXX due to my employment layoff. A partial payment of {$260.00} was made on XXXX, skipping XXXX, and then a final partial payment on XXXX/XXXX/XXXX. In reality you are skipping XXXX payments. My next full payment was due in XXXX XXXX. I paid the full payment due starting in XXXX XXXX up until right now. They are reporting me over 30 days late in XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. If you look at my payment history on THEIR OWN PRINTOUT I paid every month and never late. I have tried to work w/them you get back in the mail is a " form letter '' saying their reporting is accurate. There is no name nor no signature. They honestly do n't want to help. My credit score has plummeted over XXXX points because of this. I have their printout of all my payments made and I agree with it. I believe the skipped payments have caused an effect making my account " look '' like I was continuously " behind '' when I was n't. I paid on time until my next approved skipped payments in XXXX XXXX. In fact, why did they not report me late XXXX? Why did they skip that XXXX? It makes no sense. Just another point their reporting is flawed. 
I have had this loan since XXXX of XXXX and was never late all that time. Their own printout clearly shows I made my payments. I honestly do not think they care or someone would have called me and not sent me a just a form letter not even signed. When you call you are lucky if you get someone with some smarts. They are like robots in their canned response. I do not know where to turn at this point. 
Being in the mortgage business has caused numerous layoffs and I have always honored my auto loan. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have attempted to remove attorney general office reports related to my child support. The texas attorney general office continues to report inaccurately past payments being missed without confirming with my former spouse because they do not receive the payments through their office. I am a XXXX XXXX and pay my x directly more than what is ordered even. So my question and complaint is that if my X is not reporting that she is not being paid then why are they reporting to my credit reporting agencies. She then has to fill out an affidavit to report the payments and when they were received because if not they will show a XXXX balance but continue to report the missed payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief