milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/16/2015 about Credit card () with CITIBANK, N.A. (UT).
Issue: Credit line increase/decrease

Complaint: I received a letter dated XXXX XXXX, 2015 indicating that Citibank reduced the credit limit on my Sears Credit Card from {$16000.00} to {$2000.00} because I have not used my card recently. The reduced credit limit was so low that if I had gone to a Sears to make any substantial purchase in between when the credit line was reduced and the time I got the letter the transaction would have either been denied, causing considerable embarrassment, or potentially gone over my limit and may have incurred an overlimit fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX, XXXX XXXX have disputed w/all XXXX credit bueraus since XXXX. Experian case number XXXX XXXX/XXXX/XXXX Experian again XXXX/XXXX/XXXX case XXXX and again XXXX XXXX. XXXX XXXX/XXXX/XXXX and again XXXX/XXXX/XXXX case XXXX, and XXXX XXXX, XXXX, then XXXX as well in XXXX XXXX XXXX case XXXX and in XXXX XXXX and XXXX XXXX, XXXX over and over again for auto loan they state is a charge off or sold acct?? to who they only re reprted the same thing over again and never notified me they said charge off.. auto do n't charge off unless you repo a car and sell it at aution and going after the difference, this is not the case at all. I paid my car in full on XXXX/XXXX/XXXX {$880.00} and I have my titole to my car and XXXX paid in full letter w/ title.. I still have the same car today. I have done my due diligence on this and I am tired of the stress and same response that the creditor is reporting correctly. they are not and no one if moved me to another " company '' which is still their company just so they can put in on the credit report AGAIN as a XXXX XXXX XXXX XXXX my letter I have w/ title states XXXX XXXX auto finance not XXXX.by law after so many times over and over requesting a correction this item should be removed and I wish XXXX the XXXX XXXX auto loans to toff all XXXX reports to remove. I also see where all the sudden the XXXX was put on in XXXX?? my car was paid in full XXXX/XXXX/XXXX and the title letter from company is dated XXXX/XXXX/XXXX. yo can not reprt after someone is questioning their credit report much less you did it 2 years later. and again they say they charged off XXXX, yet paid them XXXX this company does what it wants and really tiredof the stress to get this off my report because of NOT being reported correctly and after multiple times trying w/ these agencies. 
like I said in XXXX wells fargo put the OTHER line of negative credit on my file and its just not correct or fair in this case, should have did it 2 years ago. 

I also thought that items supposed to be on report for 7 years, but everything seems to be 10years on my report.. all XXXX reports have so much on them tht its all 10years and this is ridiculous as well. 
XXXX auto XXXX acct number 10 years since date opened XXXX XXXX XXXX over 10years since date of last payment XXXX XXXX XXXX over 8 years since opened XXXX XXXX 10 years since date opened XXXX XXXX been over 10XXXX years since date opened XXXX XXXX over 9 years plus since date opened XXXX bank over 9 years plus I am asking the cfpb to please also remove these items, I am trying to rebuildemy credit yes they are hurting my credit but past the 7 years to stay on my credit. 

thank you

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 11-06-2017 about Debt collection (Other debt) with Telerecovery Corporation (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My wife was in an apartment at XXXX XXXX and i had signed for the apartment so she could have a place to stay and she apparently left the lease early and now it has affected me This was in XXXX and it is over 7 years old and i would like this removed from my credit report

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: i was asked questions to verify that it was me and none of the questions were even clos ei believe im a victim of identity theft, it wont let me view my credit report

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 09/30/2015 about Other financial service (Money order) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ).
Issue: Customer service/Customer relations

Complaint: I purchased a MoneyGram money order # XXXX for {$450.00} at Walmart in XXXX NJ and gave to my landlord who lost the money order and requested a replacement money. I paid {$15.00} to MoneyGram and requested a " replacement '' money order and they sent me check XXXX for {$450.00}. i tried to cash this money order at XXXX different check cashing businesses in New Jersey and none of them can cash. I went XXXX to a Walmart store who provides check cashing services and was advised the industry standard check cashing scanner can not read the check, the numbers are up too high on the check. I reported to Moneygram and they sent me another replacement check # XXXX on XXXX/XXXX/2015, another check that can not be read ny industry standard check scanning equipment. I have filed a complaint XXXX. I have asked MoneyGram to send my refund via money transfer to my local Walmart store via where they can provide me with a reference number and i can go into the store and pick up my {$450.00}, they are stating they only process refunds via check. That would be fine if I could cash the check and obtain my money which I am not able to do with their document. This process has been going back and forth for 30 days now and this is ridiculous. Moneygram is not trying to assist me with obtaining my money by sending me refund checks I can not cash. The numbers are way too high on the document and can not be read. Not even moneygram distributing retailers wo n't touch this check

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Debt collection (Auto debt) with MERCEDES BENZ FINANCIAL SERVICES (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In  XXXX   XXXX  I traded in my  XXXX   XXXX   XXXX   XXXX  for a New  XXXX   XXXX  lease. I was called by the dealership and they told me there was a loyalty program and I can trade 5 months early for a new lease. I told them there were  6 p ayments and I had excessive miles. I was told that here will be no money down and they will take care of all payments and miles. This is th e 4th tim e I have done this in the last 9 years. I signed the new contract at my home and they delivered the new car. 3 Months later I ran my credit and they are saying I owe them {$2000.00}. They first sent a letter in  XXXX  saying I own them {$17000.00} and I told them this was all part of the new lease. I have sen t 2 letter ( attache d ) and I have spoken to  MBZ Fin, they told me the will call me back and I have never heard from them. I have left 3 messages and sent 2 letter. They are currently   showing the payment 2 months late.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Mortgage (Home equity loan or line of credit) with KEYCORP (OH).
Issue: Application, originator, mortgage broker

Complaint: I bought a house in XXXX XXXX, 2014. We extensively remodeled it and now are trying to refinance to repay the original lender, as I indicated to him I would repay the loan after we were done. 
I recently discovered, that there was an additional mortgage on the house, filed at the courthouse on XXXX XXXX, 2014, just a couple of workdays before the closing, by KeyBank of XXXX. NOTE THE PRIOR OWNERS RECEIVED THAT {$50000.00} lLOAN PROCEEDS PLUS OUR FULL PRICE WE PAID FOR THE HOUSE. 
I do not understand how KeyBank could have got their loan through underwriting without noting the home was for sale. It was listed in the XXXX for sale ( pending ) when the mortgage was dated ( XXXX XXXX, 2014 ). KeyBank will not talk to me about any of this due to " privacy concerns '' even though this is stopping my ability to finance the house. 
How is this possible? You list your house for sale, the bank knows it or should know it, they loan {$50000.00} against it, put a mortgage on it, and wo n't work with the new property owners to work through it? 
Why is everybody at KeyBank so concerned about their customers privacy but unwilling to discuss the lien on my house that should be removed? 
Today, they even refused to give me the contact information for their mortgage or title departments so I could just give that info to my new mortgagor. ( which I am afraid they are going to deny the loan because the processor told me " it sounds shady ''. ) I am wondering what Key Bank may have done wrong that they might not want to admit to me becasue it is causing me to lose money and sleep. 
Did they violate their own underwriting requirements? 
Did they cross any other lines they should not have? 
Should they have acted more quickly when they became aware of the situation? 
And finally, why no obligation to me?

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Capital Accounts, LLC (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I began writing letters to the credit bureaus and specific creditors reflected on my credit report beginning in XX/XX/2017. I believed items on my credit report reported inaccurately an not in compliance with the FCRA and FDCPA. The accounts in question are Capital Accounts LLC, XXXX XXXX XXXX and 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 03-02-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (TX).
Issue: Other transaction problem

Complaint: On XX/XX/18 I sent a payment of {$320.00} to XXXX through XXXX XXXX with XXXX. She banks with XXXX  XXXX XXXX and at the time said that she could see it processing, but then never received it. My bank has said the transaction has been completed. So she doesn't have the money, and I don't have the money. This was for rent and I now face possible eviction if I can not receive this money within the next month. Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (OR).
Issue: Wrong amount charged or received

Complaint: I used Paypal services to transfer money to my son, as I have done in XXXX other occasions. I was fully expecting to have the funds taken out of my bank account ( as Paypal has this information on file ). 
This transaction occurred on XX/XX/XXXX and I erroneously assumed that the transaction went through as before ; but, on XX/XX/XXXX, I received a call from a PayPal representative, stating that I owed them for the original amount processed plus a fine for non-payment. 
Upon further discussion, I learned that the money was not taken out of my account, but rather a PayPal Credit loan was used to proceed with the transaction, this totally unknown to me. I have asked the PayPal Credit representatives for an explanation as to how this happen, all I have learned is that I owe the money, how do I want to pay for it. 
It is very frustrating and most deceiving, I wanted to let someone know, so others are not snarled into this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Consumer Loan (Installment loan) with PNC Bank N.A. (PA).
Issue: Problems when you are unable to pay

Complaint: I intended to buy a home with a mortgage in 2007. Seller misrepresented, forged documents, and committed a bait-and-switch. I was stuck with a manufactured home with what appears to be an installment loan instead. As a XXXX buyer, I feel especially targeted. Both parties were informed but no cooperation or correction transpired. When I became unemployed and XXXX, my income shrank. I proactively obtained a Chapter XXXX Bankruptcy while all bill payments were current and never missed. This was successful. I also proactively attempted to get a loan modification before any problems would occur. Instead of helping, the bank rejected XXXX attempts, committed errors, failed to communicate effectively, and ultimately charged off the account. Even an attorney attempted to intervene to no avail, which caused me more financial harm. Furthermore, some payments were not credited. After two years of zero communication, the lender is now threatening to " repossess '' my home! At this moment, no detailed letter has been received. My trust is less than broken. Due to the dishonest transaction, I could become homeless in a matter of days ( unlike a foreclosure or eviction process ). I would have walked away from the house if I had a place to go.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (UT).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX sold the servicing of our mortgage to Nationstar while we were in Chapter XXXX. Nationstar tried to collect funds that were not authorized by the trustee. We recently refinanced our loan through XXXX XXXX. XXXX told us that Nationstar would be refunding excess monies in our escrow account. That refund has not occurred. We believe that Nationstar has stolen some amount of money from us in violation of court orders and is illegally profiting from the purchase of servicing rights on our home loan. We would like a full and complete accounting of all funds handled by Nationstar while they serviced our mortgage and an explanation of why the excess escrow funds have not been refunded as promised. This entire experience with Nationstar was a nightmare and offices such as the Consumer Financial Protection Bureau are needed to protect citizens from the questionable practices of companies like Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I had requested XXXX to investigate a credit inquiry for XXXX dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had XXXX lines I cancelled XXXX line ( main ) then kept the second due to I would get charged early cancellation fee. However the main line was and had control of the second line thus I could n't change/pay or control my account. So I had no choice but to go to another company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06-10-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I reached out to the company to dispute this collection account there was no document provided to show I own this account. Also this collection agency has not replied to any of my certified letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I closed the credit card on XXXX 2013, but still display it on the credit report. 

1. bank of america A # XXXX open date XX/2013 closed date XX/2013 ( chapter XXXX ) {$1500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (VA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I have ask this company to sent me a detailed bill. Never received the bill, so I called again and they had sent it to the wrong address. Rep was rude over the phone. I called back to speak with her supervisor and she was on break. on a later date I called back again and gave them a correct address, its been a month and I still did n't receive the detailed bill. Got a call from my rep and she was rude and improper about the situation again. I had to hang up on her.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I would like the Credit Bureaus to report my information accurately and up to date. I have contacted them multiple times via phone, letters and complaints and have yet to reach a resolution. I have provided proof from my creditors that these accounts are reporting however my credit file does not reflect any of those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: CRA VIOLATION / WERE DISPUTED ON XX/XX/2018 EXPERIAN DID NOT SEND BACK ANY PAPER WORK MORE THAN 2 1/2 MONTHS.

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 08-04-2016 about Mortgage (Other mortgage) with SUNTRUST BANKS, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX I was recovering from a XXXX which kept me from working from XXXX XXXX. I contacted the bank to let them know my payments would be delayed till I return back to work in XXXX XXXX. Two months later sent them a check for payment and some extra to show good faith and they sent it back with foreclosure notification. I cashed out all my savings and my whole life policy and tried for 6 months to pay in full and reinstate my loan, employees stated that the lawyers were holding things up. Finally by XX/XX/XXXX I reached a XXXX XXXX whom agreed to take my money ( XXXX ) and reinstate my loan, however he took my money but did n't reinstate my loan. I called every day for weeks and then hired a lawyer whom scammed me for XXXX and is currently in bankruptcy proceedings. I was at that point force into applying for modification which I did over and over, I 'd send in papers and they would send foreclosure papers for 3-4 yrs this went on, finally XX/XX/XXXX an employee called and told me I had a modification ( truthfully I did n't care what the terms were I felt I did n't have a choice and wanted the madness to stop. ) I do n't know if they gave me credit for the monies I wired in but I know I have been paying interest on fee and penalties they tact on to my loan over that period which I feel is unethical given my situation and the many attempts I made to reinstate my loan. I sought out a lawyer recently and was told I was beyond the statues of limitations 3-4 yrs, have tried to speak with SunTrust several times but they have not been helpful. My payments are very high I will not be able to hang on to my HOME much longer especially with interest rate that will increase every yr for the next 5 years.

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 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The account has been disputed, deleted and does not belong to me. The credit bureaus deleted it once before and has now allowed a different company  (   XXXX   XXXX  {$1500.00}  ) to re port the same account for {$1.00} more than what was reported before.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have written to Transunion four times in reference to inaccurate information on my credit report. I have requested that they delete it. Each time they have responded to my letter claiming that they have verified the information on my credit report but have not provided me with any physical verification or proof that these are my accounts. This is in complete violation of laws in the Federal Credit Reporting Act.

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 11/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: - I Got a TransUnion Credit Report on XXXX/XXXX/16 - I Found an Unknown Fraudulent Collection Account with the Account Number XXXX in my credit report. 

- I Sent TransUnion a Dispute Letter and request for validation on this unknown medical account on XX

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