milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2018 about Mortgage (FHA mortgage) with MORTGAGE INVESTORS GROUP (TN).
Issue: Closing on a mortgage

Complaint: On XX/XX/XXXX, I signed the papers for my newly constructed home. One year later the home began showing structural damage. The floors sank, there were cracks in the ceilings and in the walls, the ceiling sagged, a load bearing wall was protruding and many other things that should have never happened with a newly constructed home. The warranty I received on the home would not cover the structural issues. The builder would not cover his workmanship warranty. 
After research, in XX/XX/XXXX, I found that the builder was an unlicensed contractor. In the state of TN, it is illegal to build and sell homes when you are unlicensed. I have contacted the City of XXXX and the State of TN to report the unlicensed activity. The builder got out of the legal implications by saying he built the home for his family and decided not to move into it. 
This is my final recourse for my home, which I foreclosed on because I could not afford a lawyer or to finance the costs of the repairs. 

I would like to report that in my closing documents, there was no disclosure given to me that this home was built by an unlicensed contractor. This, in all meanings of Material Defect Disclosures, is a material defect. 

This information should have legally been disclosed to me as the purchaser. So that I would have been able to make a decision to purchase a home that costs me {$120000.00}. 

Due to this negligence of non-disclosure of a very important Material Defect, I have foreclosed on the property and will have to live with this on my credit report. This was an unfair and deceptive act on the part of the builder and he should be held liable for this property and breach of contract.

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 08-03-2017 about Debt collection (Other debt) with Diversified Adjustment Service, Inc. (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Saw on credit report a collections line. Never received notice from this debt collection agency nor was offered the ability to verify the debt.
Just filed a formal letter to agency for resolution. However adding a collections line without sending a notification letter is improper. Company is Diversified Adjustment Solutions from
XXXX XXXX, MN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (OK).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: My card was stolen on the morning of XX/XX/2017 at around XXXX. I discovered this around XXXX and contacted AMEX to cancel the card and dispute the almost {$450.00} in charges. They informed me that I had to wait until the charges had cleared before they could do anything about it, and would n't even tell me the locations the card had been used. I filed a police report and have been in contact with the police mutliple times. I have provided the persons name that stole the card, contacted the locations and they are getting the video ready of the person that stole the card using it. 

Every time I speak to someone it is someone in the XXXX who does n't care that it 's XXXX and that I 'm doing everything I can to get this XXXX caught, but they will only say 7 to 10 business days. This is a DEBIT CARD, NOT A CREDIT CARD!! My paycheck went on this!! This XXXX stole half my paycheck and i live paycheck to paycheck. I ca n't afford to wait for them to provisionally refund the amount until the XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/23/2017 about Debt collection (Auto) with ALLY FINANCIAL INC. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calling four times a day EVERY DAY after I told them not to and that it was excessive. I have spoken to them more than once about this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Account status is a critical information upon which lender may rely to assess credit worthiness. Equifax should make sure that account status information, including any additional extraneous information they add to the credit report, is accurate. This is not the case. Instead of simply correcting the status of the loan as requested, Equifax added inaccurate information. 

On XXXX/XXXX/16, Equifax reported XXXX XXXX / Account No. XXXX status as 'Pay as agreed. ' On XXXX/XXXX/16 and XXXX/XXXX/16, the consumer and the lending company ( XXXX XXXX ) reported to Equifax that XXXX XXXX had been sold to XXXX XXXX XXXX As of XXXX 2016, Consumer had no open student loan with XXXX XXXX XXXX ( see fax from XXXX dated XXXX/XXXX/2016 ). On XXXX XXXX, 2016, Equifax changed the status of Account No. XXXX XXXX XXXX XXXX XXXX to 'transfer/sold. ' This is correct but Equifax also added : 'ADDITIONAL INFORMATION - consumer disputes this account information ... '' This extraneous statement is inaccurate. We disputed the previous account information ( i.e. Equifax 's failure to report the loan as closed and transferred ), not the current status ( closed ). We did not dispute the current status of the loan. Equifax must correct the credit report, i.e. remove reference to a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Debt collection (Credit card) with Patenaude & Felix APC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I was sent a letter on XXXX XXXX, XXXX ; from Patenaude & Felix , A.P.C., XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ; stating I owe : {$6000.00} from XXXX XXXX XXXX, XXXX. ; account # : XXXX XXXX XXXX XXXX. I will first state ; the last payment made on this account was XXXX XXXX, XXXX, the account was Charged Off on XXXX/XXXX/XXXX and closed, this account was removed from all XXXX of the major credit reporting agencies in XXXX XXXX, XXXX removed it : XXXX XXXX. 

XXXX XXXX, XXXX ; the above law office sends past bill notices and also they sent me a " Judgement by Default '' dated XXXX XXXX, XXXX ; in which I NEVER knew about, NO ONE EVER HAD ME SERVED, AND THIS IS THE FIRST I HAVE SEEN OF THIS court document. Case # : XXXX. 

I would like to know, how can XXXX get a judgement on me in XXXX, after they Charged Off this account, and AGAIN, this account was removed from my credit reports in XXXX and in XXXX XXXX. 

I responded to their first letter on : XXXX XXXX, XXXX ; stating the 7-year diary has came and gone in XXXX XXXX ; the account has been removed from my credit reports, and trying to collect on an account after the 7-year diary is protecting me, this is not legal and I would like them to close the account from their files. 

This is when they followed up with their letter on : XXXX XXXX, XXXX ; showing a default judgement for XXXX XXXX, XXXX ; in which again, I was NEVER notified of being " sued for a judgement '' and I was NEVER notified of a court date. 

What I do know is, XXXX charged off this account. XXXX removed this account in XXXX XXXX. XXXX and XXXX removed it in XXXX XXXX. 

XXXX Credit report dated on : XXXX/XXXX/XXXX is stating and showing ; XXXX " Charged Off '' and " Closed '' this account on : XXXX XXXX, XXXX. Getting a Judgement on me in XXXX XXXX ; 2 years later and now a Law firm is contacting me to collect a debit, that is over 7 years old, this is illegal. 

Please help me with this matter. I do not have a scanner to scan my documents, but I can fax this to you if you provide me with a fax number.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit card () with SYNCHRONY FINANCIAL (TN).
Issue: Billing disputes

Complaint: My XXXX Mastercard was lost and used without my permission in a state that is atleast a thousand miles away. I did not participate or receive any goods or services so I filed a fraud claim with Synchrony Bank and I received a fraud investigation form and was told it would be investigated. I completed the form and sent it in and received a letter confirming the fraud had been investigated and they found my fraud claim to be valid after they researched it and looked into. The charges were made in a state thousand miles awat. So I received a letter saying that they had researched it and found in my favor and all fees and charges had been credited back to my account there was an adjustment done for XXXX for the fraudulent charges and I paid the remaining amount that was due on the account, now all of a sudden after telling me that I was not responsible after they investigated and even sent me a letter to confirm I was not responsible after investigating they came back in to my account and charged the charges back to my accounfter they told me that I was n't responsible. So I called and spoke with an account manager who is now claiming there is nothing she could do. Why did you send me a letter confirming I was not responsible after you investigated and now all of a sudden you are saying that I am. Why send me a letter saying I was n't responsible and then say I am. These charges werent even made in the state I live in or a state that I have traveled too ever!!

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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX 2017 I called Equifax at phone number XXXX and spoke to a woman by the name of XXXX I expressed to her that I wanted to request method of verification under section 611 of the FCRA she quoted to me a portion of the law and stated that she is not required to provide method of verification I then asked for her ID number she stated she did not have one.I find it absurd that she would not provide me with a method of verification for a disputed item belonging to a XXXX # XXXX reporting on my credit report because if you get a response to your dispute from the credit reporting agency saying the disputed item was verified you have the right to request the method of verification under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The confirmation number she provided me for this call was XXXX  clearly she does not know the law and now Equifax is in violation of the federal law!

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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 paid off XXXX XXXX XXXX XXXX or XXXX on XXXX ( XXXX or XXXX XXXX XXXX ) and I sent a request for deletion as the company XXXX XXXX advised me to contact XXXX, TransUnion and XXXX and none of them have removed this debt COMPLETELY FROM MY FILE. I requested a hardline deletion and XXXX XXXX said that would not be a problem just submit my request with the credit bureaus. I 'm requesting zero collections on my credit reports. Also I have sent several lettters to all three credit bureaus requesting removal of hard inquiries that I did not authorize on my credit reports and they refuse to remove them due to fraudulent activity. I requested XXXX to remove XXXX XX/XX/XXXX,  XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, and XXXX XX/XX/XXXX. I requested TransUnion to remove XXXX XXXXXX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXXXX/XX/XXXX. I requested XXXX to remove XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX 1XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/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 06-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am disputing a debt with XXXX XXXX. I sent them a debt validation letter on XXXX XXXX, 2015. They ignored my request for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NM).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: The primary issue is that I have been overcharged on my student loans for six months due to the length of time that it took XXXX to consolidate my loans and FedLoan Servicing to recognize that I am an XXXX XXXX service member and to re-adjust my monthly IDR payments in line with my military salary. 

I had recently consolidated my student loans with XXXX, which took from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, I entered onto XXXX XXXX with United States XXXX XXXX. I had consolidated my loans to begin paying under the Public Service Loan Forgiveness Program, which I certified in XX/XX/XXXX. It took FedLoan Servicing over six months to recognize that I am XXXX XXXX, and to reduce my monthly payment from {$390.00} per month to {$30.00} per month, which they finally did on XX/XX/XXXX. 

While it is good that FedLoan Servicing finally reduced my monthly payment to fit my income, the time it took to adjust the payment resulted in my having to pay the higher payment while receiving far lower income than I was previously receiving.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/29/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Hello, The FTC has a website recommending XXXX credit report companies who are responsible for providing 1 free credit report each year. This government website ( https : //www.consumer.ftc.gov/articles/0155-free-credit-reports ) links you to this website to get the free credit report : annualcreditreport.com. 

When you go to annualcreditreport.com, you can not access your credit report from any of the XXXX agencies due to various " errors. '' So the only way to get one is to pay {$1.00} by navigating directly to the website of one of the XXXX large credit monitoring companies. I recently had to do this. After receiving a PAID credit report from Experian ( for {$1.00} ), Experian without my permission began billing my credit card ( {$21.00} ) for a recurring subscription to a service that I never asked for. 

On behalf of all the consumers who rely on these XXXX big credit companies for fair and free credit reports, especially for those who are n't savvy enough or lucky enough to check their credit card history for fraudulent charges, please prevent Experian and the other large credit agencies from this type of blatant fraud. 

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 monetary relief
Consumer complaint received 12-01-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: First I started to get calls from a strange XXXX number I did not recognize. When the caller finally left a message it stated I owed a past debt that has already been settled. This shocked and frustrated me as I had finished a debt consolidation service two years back and was being careful with my current finances. I still have my debt consolidation paperwork and have access to past bank statements. I blocked the company 's number from my phone. I have since gotten a letter in the mail from the same company saying thank you for my " recent payment '' and to pay the current past debt balance. I have not made any payment to these people and I am mad that they even know I own the past account they are trying to collect off of. I get a sense this is fraud. I originally settled this account ( XXXX ) through XXXX back in 2014. The debt agency settled with XXXX XXXX XXXX XXXX XXXX who was the owner of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Credit Services Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am writing this complaint as no action has been taken after having multiple calls to XXXX regarding the calls I am getting from debt collection agency stating I have a pending balance to XXXX. 

On XX/XX/XXXX, over phone, I have cleared full balance and closed the account/membership with XXXX. My bank account statement has the transaction recorded for the same. Despite full payment and closing my account my information was given to First credit service. They have been calling me since XX/XX/XXXX to collect the balance. 

I have made plethora of calls to XXXX regarding the same. Explained the situation every time and every time I have been assured that my account is closed and no balance is pending situation would be taken care off. 

Further, I have been asking for the receipt from the day I made the payment over the phone and subsequently the calls that I have made. Every time I have asked for the receipt I have been told I will receive the receipt in my email. Every time I have confirmed that there is a correct email on account - XXXXXXXXXXXX. However, I have n't received any receipt. 

I have also asked for the receipt to be mailed to my address. I have n't received that. 

Continuous calls from the First credit service to collect debt has become harassment and torture. 

I have also told First Credit service representative over phone that XXXX is not giving me receipt. I told them I can provide bank account transaction detail with reference number and receipt number but they are not accepting that. 

Details for the membership account : Name : XXXX XXXX Phone : XXXX Email : XXXXXXXXXXXX Payment made by credit card ending XXXX to XXXX NC on XX/XX/XXXX. 

PS : All the calls with XXXX was with membership managers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (PA).
Issue: Problems when you are unable to pay

Complaint: The car was given back and it was a recall on the car and i should n't have to pay {$3000.00} for a car i do n't have or be responsible for the car. The company has the car back, i tried to make an agreement to see what was my options with this car and there was none at all .try to get help or can we get a hold on it, the refused.The engine beauty cover detach from the engine and come in contact with the catalytic converter.Also there was an hidden fee from the car dealer i was told my car note was suppose to be lower.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Navient continues to call at least XXXX times a day. I have explained to them that when I co-signed the notes for my sons private loans I was working and making good money. Since then I was taken out of work by my doctor ( 4 years ago ). I applied for my XXXX and after 2.5 years was deined. I draw a little over a {$1000.00} per month with my XXXX retirement check, which I started drawing 2 years ago this XXXX. With my XXXX and XXXX, there is now way I can pay this loan back for my son who is still seeking gainful employment.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Recently checking my credit report Equifax on XXXX/XXXX/2017, I noticed information wrongly reporting, or incorrectly reporting on my credit report from my student loans for {$3300.00} which was already consolidated from XXXX to XXXX. I would like this resolved. I tried to resolve this on my own but I could n't get it handled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: ITEMS THAT SHOULD BE REMOVE FROM MY CREDIT REPORT ARE NOT COMING OFF MY FILE, THERE ARE INCORRECT INFORMATION IN MY CREDIT FILE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
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: On XX/XX/XXXX I went to XXXX XXXX. I took a taxi cab from the airport to the hotel. When we reached our destination I handed the taxi driver my credit card for the ride. I was told by him that the card wasnt going thru, at the time I figured it could be because I was out of the country. So he asked for cash instead which we than gave him the euros. 
When I got back to the room I got WiFi and I realized that he had charged my card too! I was in complete shock. I called the credit card company which was Citibank and I let them know what happened they said did you get a receipt? I said no, not for cash but I said I never signed the credit card receipt. I always thought that if they dont get a signature than the charge isnt valid. Im really upset with Citibank and no longer will continue doing business with them. The whole point of using the card was because I thought they would have my back and clearly they dont. This is why I took the time to write this, so that this doesnt happend to someone else.

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