milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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 traded in my lease for a  XXXX   XXXX  at  XXXX   XXXX  in  XXXX   XXXX . I only had 2 months left on the loan.  XXXX   XXXX  was to pay off the vehicle and sent the info to  XXXX   XXXX . In  XXXX / XXXX / XXXX  I declared Chapter  XXXX  Bankruptcy. The vehicle was included because the paperwork to close out the lease had been lost, therefore, my attorney told us to include the car which was a lease. I have been disputing this since the discharge of my bankruptcy in  XXXX  and  XXXX   XXXX  continues to report erroneously the status of the account on all  XXXX  Credit Bureaus. They have passed the 45 day time frame & at this point I want the item removed since they refuse to correct. They are showing the last day of status as  XXXX  which in violation of Chapter  XXXX  which should not show any negative items on the credit report past the date of filing  XXXX . Furthermore the vehicle was paid every month and traded in on time.  XXXX   XXXX  is intentionally attempting to damage my creditworthiness.

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 04-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PMAB,LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: About 4 years ago I went the XXXX XXXX XXXX XXXX for a XXXX issue. A portion of the visit was not covered by my insurance. I paid the bill I was sent to the address I had on file. I sent the final payment of {$37.00} on XX/XX/XXXX. Unbeknownst to me, the XXXX company had changed collection firms and I was supposedly sent a bill with a different address for remittance. I did n't learn any of this until nearly XX/XX/XXXX when I started getting phone calls at all hours of the day and night 7 days a week from XXXX in XXXX, NC. I sent them faxes of my cashed check showing I had paid. They said I had to contact a company in CA ( the XXXX XXXX XXXX XXXX?? ) which I did. They were rude and told me I had obviously paid the wrong people. I paid XXXX XXXX and they cashed the check. I suggested that they should be collecting from XXXX not me. Well ... the calls stopped for awhile but they circle around again for several weeks at a time. In my humble opinion they could have written this off 3 years ago - or better yet corrected their records as I DID pay the bill - and saved a lot more money. I no longer answer the robot calls and I do not answer the " real person '' calls as they do not listen when I provide them proof that I 've paid. It 's extremely annoying. I have moved since this all started and I am not sure I can put my hands on the original documents anymore. BTW - I NEVER received a past due statement except for the XXXX I ignored because I had already paid the bill. I NEVER received any communication from XXXX, the XXXX XXXX XXXX or anyone else until that XXXX phone call in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Bank account or service (Other bank product/service) with NATIONSTAR MORTGAGE (IN).
Issue: Account opening, closing, or management

Complaint: I had a XXXX mortgage loan with XXXX XXXX. The loan changed hands several times and ended up being serviced by Nationstar Bank. In XXXX 2011, I refinanced and rolled the XXXX mortgage into my first mortgage and at the time Nationstar released the lien. I recently discovered that they missed the original lien release naming XXXX XXXX and I 've been working with them for several weeks now to have that release sent to the XXXX XXXX XXXX 's office. Each time I call, they tell me the paperwork is in progress or waiting for signature. I spoke with their customer service rep last week and was told a supervisor would call to update the status of the release but I did not receive the promised call. Nationstar needs to release instrument number XXXX. Since this has not been done and I am not receiving promised calls, I spoke with XXXX @ the FDIC and she suggested I file a complaint with you. Is there anything you can do to get this paperwork finalized for me? I have been approved for an equity loan that is being held up by this lien. 

XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Consumer Loan (Installment loan) with SUNTRUST BANKS, INC. (NC).
Issue: Taking out the loan or lease

Complaint: Suntrust Home Equity Line of Credit 
This new Complaint is in reference to my previous complaint to CFPB case # XXXX Regarding a Fraudulent Appraisal performed by Suntrust . I am addressing letter from Suntrust Dated XX/XX/XXXX in particular the last line."XXXX,if you have any questions,please contact me at XXXX .---I will be glad to speak with you "  signed XXXX.
It appears to me I am getting the same run around from Suntrust that I had from XXXX thru XXXX .Phone and contact names that did not exist and or no return calls. .My initial complaint was sent to CFPB on XX/XX/XXXX .A Suntrust surrogate called on XXXX and said a XXXX will call me on XXXX ,NO CALL.  I called XXXX (Suntrust) on XXXX @ XXXX. and left message @XXXX for him to call me back ,NO CALL . I called again on XXXX @XXXX and left message for him to call me back ,NO CALL .
Called XXXX on XXXX @ XXXX and left message for him to call me back.NO CALL. Called XXXX again on XXXX @ XXXX. and left message for him to return call.  NO CALL . Called again on XXXX Left message for XXXX to call back. NO CALL . In each instance I referenced the CFPB case number XXXX and left my home number , a land line with answering machine. I also quoted the last line in his letter "he will be glad to speak with me ".  This is EXACTLY how Suntrust treated me during Foreclosure case and the ONGOING FRAUDULENT APPRAISAL CASE.I do have questions for XXXX (if he does exist ) .

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 10/26/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Iv'e been trying to get a loan mod since XX/XX/XXXX thru XXXX ( XX/XX/XXXX ) who assumed from XXXX ( XX/XX/XXXX ) & servicers afterwards ; XXXX & Nationstar , who all decline me on different reasons. Recently I discovered evidence of appraisal fraud when I bought home in which loan Originator XXXX Rep inflated value by $ XXXX which resulted in me overpaying & now facing Foreclosure auction in weeks.

Company response to consumer: Closed
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was misled on more than one occasion regarding the initiation of my student loans and the forbearance of my student loans. There was nothing fair about either process.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (FL).
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: I have a bankruptcy on my credit file. I w rote the BK co urt to ask them what the process is when reporting the court cases and their response was that they do n't report to the agencies. I con taced Lexis Nexis,     XXXX   XXXX   XXXX   XXXX   they just said it was verified w  ith Lexis Nexis. I wrote Lexis Nexis and they just sent me my file. I did n't know they could verify with another bureau. This has been a never ending cycle I have proof and they still wo n't delete it.
The problem is, none of that information is accurate. The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to the credit bureaus. Lexis Nexis, which is a for profit company that is in the information-selling business. They regularly collect public records information into their database, and then they sell it to the credit bureaus. it is a violation of the Fair Credit Reporting Act to report false information. Also claiming to get information from a court, when it is actually obtained from an unnamed 3rd party, could easily be considered false information on my cr  edit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Making/receiving payments, sending money

Complaint: My mortgage payment in XX/XX/XXXX was refused an sent back to me because i had XXXX late payments and they wanted them in full, so after going through a separation with income loss in in late XX/XX/XXXX I lost my job of XXXX years and i have applied for help with this bank roughly XXXX times in the last 6 months only for them to never accept XXXX packet as being completed and able to work it out. No XXXX packet has ever been sufficient for these people. Its a FHA loan so by law they have to offer me a way to save my home.. Since then my daughter started receiving social security and i am self employed, none of those documents have been sufficient. My house sold on XX/XX/XXXX and the bank did not notify me of any kind of sale date or that it in fact had been sold nor have i been given a fair chance to qualify for any programs designed to help me being a single mom. They have been nothing but poor in communication and with keeping me informed of whats going on. My csr changes more than the seasons so no one ever knows whAT IS GOING ON

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 05/27/2017 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: My child is a minor and has a credit report. My personal information has been wrongfully added to his credit file.

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 03/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: bank of america is billing me for 3 purchases that are not mine these are fraudulent purchases to my account I contacted boa regarding this and was advised that I needed to pay the bill and if the charges are found to be fraudulent the money will be credited back to me. This was the telephone conversation I had trying to resolve this issue so I am forced to pay out of pocket for items I did not order and if I don't there will be an interest charge of up to 18 % applied to my unpaid cc balance. The other stipulation is if boa agrees the charges are fraudulent then I get my money credited to my account not refunded but credited.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax lost a number of people 's personal information including mine. However it 's difficult to be sure my data has been affected, as their site for checking the status seems to return inconsistent results for the same data. Additionally, they have offered 1 year of a credit monitoring service, which is terrible for consumers for two big reasons.
1 ) One year is not nearly enough for a breach that loses all personal information 2 ) At one point, there was information seeming to indicate consumers could n't sue.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: While checking my personal credit report with all  XXXX  credit bureaus in  XXXX   XXXX , I noticed several inquiries made by numerous of organizations on  XXXX / XXXX / XXXX . I have reached out to the organizations and no one was willing to help due to the age of the inquires. I have even went as far as mailing certified letters to the credit bureaus requesting for the unauthorized inquires to be removed  XXXX . Only to get back a generic response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Last night on XXXX/XXXX/15 at XXXX XXXX, a sallie mae account manager named XXXX XXXX called my mother 's XXXX neighbor ( first name XXXX ) and disclosed my personal student loan information on a voicemail. They were attempting to reach my mother regaind my loans. They have been harrasing me and my relatives with repeated phone calls and have now illegally contacted an outside party and revealed confidential information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have sent multiple certified letters asking them to validate this account with my signature. I only received account information and they did not show proof of my signature. They refuse to delete this information from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Payday loan () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Can't stop charges to bank account

Complaint: i applied for a small business loan they deposited stolen checks into my personal account. Thus causing my checking account to overdraft. Both checks came from different institutes and were invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been trying to dispute this debt on my credit report from a company called XXXX XXXX XXXX,, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX, I have called the number to inform them that this is a fraudulent account but their number is disconnected. These people do n't answer. I have been trying to dispute this with Equifax but Equifax claims to have verified this debt as mine which i do n't see how they verified this. I was never notified of this debt that has been on my credit report in writing or by mail. I have asked Equifax to provide me how they verified this and they can tell me it 's done electronically. I do n't even know what this is and never had an account with this company. I have been trying to dispute this online and Equifax states that i can only do this over the phone and they stated i cant request of my credit report online indefinitely. I have tried to order my report and the system never allows me to order it. I have provided proof of my identity to them over a dozen of times since they keep asking for it. I have provided my XXXX drivers license, my social security card and a utility bill as well. Equifax refuses to let me monitor my credit online ever. They are well aware that i was a victim of identity theft and i have placed a security freeze and a fraud alert as well yet they refuse to address this fraudulent account. I have highlighted the account in yellow.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Medical debt) with Frost-Arnett Company (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A medical bill was paid by insurance last year in full. This company repeatedly calls from spoofed numbers, sometimes up to 5 times per day. They never leave a message or answer when I pick up the phone. They started harassing my XXXX year old son during school hours on his phone. When I call them they try to tell me that I owe {$61.00}. I have submitted the proof that this was paid on numerous occasions and yet they still call. Calling my son was the last straw.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: My wife and I are attaching a copy of the letter we sent to the credit bureaus, asking for a credit investigation. More than 30 days have past, and we have not gotten responses yet. The bureaus are supposed to respond within 30 days.

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 02/28/2018 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I opened a credit card account with Bank of America on XX/XX/XXXX and this account was closed on XX/XX/XXXX. I paid the balance on the account down to XXXX and I am still being charged a monthly fee on this closed account and it is affecting my credit report. I would like to address this issue by paying what is currently due and having this removed from my credit report completely.

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 11/19/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Out of the blue, I received notification from Citibank that it has closed down three of my accounts, one Citi credit card, one Macy 's credit card and my Best Buy credit card. No information was provided to me. When I wrote to the Company ( which was not even initially identified ) the response I received was that they have the right to close the accounts. I have never had a credit issue in my life, I have maintained high credit limits and have an impeccable credit rating ( most recently over XXXX ). We are not disputing their right to close the account, my goal is to understand why this happened. If there is a mistake or they have some inaccurate information, I have a right to know that so I can address it. There is not even a phone number on the letters so that I can actually speak to a person. Please advise as to whether the Bureau can assist me or if there are other ways for me to get to the bottom of this. 

Thank you very much. 
XXXX XXXX XXXX ( cell )

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 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: On XXXX XXXX, 2017, I mailed a letter to Equifax demanding all documentation regarding a collection account on my file with their agency, pursuant to 609 [ 15 U.S.C 1681g ], and clearly stated in my communication that this was not a dispute, but a written request for information in my file. Equifax processed this matter as a dispute, failing to provide the requested information. Even though I view this as nothing more than a stall tactic by the company, Equifax is in willful non-compliance with the Fair Credit Reporting Act. I have attached a copy of the original communication for information purposes. This account should be removed from my file immediately upon receipt of this complaint.

Company response to consumer: Closed with explanation