milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am XXXX. I pay cash for everything and do not have credit cards as they cause me a great deal of anxiety if I have them. So I do not use them. I am being punished by other creditors for the information provided by credit reporting agencies for not carrying any revolving debt. I am paying more for insurance, car loans, and other debts due to these facts. I pay cash. The fact I do not need credit cards does not enter into this equation. 

I am being discriminated against due to the fact I do not use credit cards or revolving debt. If I am unsuccessful, then I will seek class action status and go from there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: No knowledge of this account. Never received a notice to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: After requesting each consumer bureau remove negative XXXX reporting off my credit report I directly contacting XXXX by phone XX/XX/XXXX, I was told by supervisor " XXXX '' in XXXX XXXX, XXXX XXXX will not remove the negative collection report off my credit report. I had always disputed the fact that although habitually delinquent due to XXXX/loss of income at the time I had always paid my account. I was too sick too fight the mega-giant, my account was closed in XX/XX/XXXX and with my XXXX settlement in XX/XX/XXXX I paid their collections. Now I was well enough to search my financial recordsXX/XX/XXXX I made a written request to remove the false report and provided bank records demonstrating that I had indeed paid my account and was falsely sent into collections. This written request and evidence has been ignored. According to " XXXX '' at XXXX ( there was XXXX accounts under my old phone number when I called XXXX I never made a payment from XX/XX/XXXX and my account was closed and sent to collections.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (I do not know) with CITIBANK, N.A. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I was contacted by XXXX XXXX XXXX collection letter dated XX/XX/XXXX I disputed the debt in my letter dated XX/XX/XXXX. XXXX responded in a letter dated XX/XX/XXXX, which I really am lead to believe it was a generic response or no real investigation was done about my dispute. On XX/XX/XXXX I sent XXXX my second dispute letter, they continued their collection activity in their collection letters dated XX/XX/XXXX and XX/XX/XXXX On XX/XX/XXXX XXXX 's letter told me they opened an investigation on my dispute letter. <P/>However, I applied for credit with XXXX and XXXX and they inquired into my personal credit report on XX/XX/XXXX and XXXX was reporting derogatory information about me during an open dispute investigation. I was denied credit by XXXX letter XX/XX/XXXX and XXXX letter XX/XX/XXXX. <P/>On XX/XX/XXXX XXXX letter notified me that they were no longer be collecting on the account.

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 02/15/2016 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (DC).
Issue: Loan modification,collection,foreclosure

Complaint: In 2006 my husband and I got scam in the sub prime loan scam the mortgage then was held by XXXX XXXX at the time I have been in this fight since 2006 trying to save my home, my husband was a veteran who bought this home as a fixer upper with his Gi loan he is now decease. They say that my home is up side down I have cased in all of my retirement fund trying to save my home the mortgage was at one point {$3000.00} dollars a month. I have been in this fight since 2006 Iam now with Sps servicing since last year it 's seems like they are not trying to help me get a modification me and my daughter and son have sent in every documents that has been required to be sent to them they come back to say that they do n't have all the information I have faxed I have sent it overnight that cost me money that I do n't always have Iam XXXX years old all the money that I ever had in my life is in my home. Iam now living on XXXX income I have worked XXXX jobs all my life me and my husband. All Iam asking for help and to be in the modification programs the mortgage is to. High. to keep and save my home. Thank any help would be appreciated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Payoff process

Complaint: On XXXX XXXX 2016 a check was sent to Macy 's Credit Card to pay of the entire balance. The check was deposited into Macy 's Citibank account on XXXX XXXX ; however, the payment was not applied to my account and as a result I was charged a late penalty + newly accrued interest when the billing cycle reset. I 've called them multiple times and Macy 's customer service told me they have no record of my payment. They then instructed me to fax in proof. I sent them a copy of the statement I was paying off in full as well as the XXXX check image provided to me by my credit union. To date my account still does not show this payment as being applied. I was told that they do n't have a way of finding out who 's account my payment was applied to - I do n't buy that one second!

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 12/22/2017 about Checking or savings account (Savings account) with M&T BANK CORPORATION (DE).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: To whom I may concern, On XXXX, I XXXX XXXX XXXX received a copy of a refund check for {$780.00} from XXXX XXXX XXXX made out to the Estate of XXXX XXXX XXXX. On the back of the refund check, XXXX XXXX endorsed the check to deposit in her personal savings account at M & T Bank. I contacted a representative of M & T Bank at XXXX, and she did not know the policy and procedures if an Estate check can be deposited.in a personal savings account. XXXX XXXX XXXX at Register of XXXX ( XXXX ) in Delaware gave explicit instructions that an estate account for the Estate of XXXX XXXX XXXX must be established at a bank with all three co-administrators must be present at the same time. All three co-administrator names must be on the estate account, so any transactions for the Estate of XXXX XXXX XXXX would require three signatures. XXXX XXXX XXXX XXXX XXXX have refused since XXXX to meet with me at any bank to establish an estate account. On XXXX, XXXX XXXX and XXXX XXXX went to XXXX XXXX in XXXX, DE and liquated XXXX XXXX XXXX XXXX 's personal checking and savings accounts, but did not establish an estate account. 

I am requesting M & T Bank to freeze the {$780.00} refund made out to the estate of XXXX XXXX XXXX that was deposited in XXXX XXXX 's personal savings account. M & T Bank can schedule a appointment date and time when all three co-administrators can meet at M & T Bank to establish an estate account. As an alternative, remedy, M & T can issue a check for {$780.00} for the Estate of XXXX XXXX XXXX to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX DE XXXX, M & T Bank should follow all State and Federal regulations and compliance for a estate account, since there is a great distinction between a estate account and a personal checking and savings accounts, especially when there are three co-administrators. 

If possible, I would like a copy of the policies and procedures pertaining to an estate account at M & T Bank. If there are any additional questions, please do not hesitate to call me at XXXX. Secondly, XXXX XXXX 's personal savings account number is 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 09-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In a nutshell, I had a XXXX bankcard credit card years ago. Hit somerough times and could not pay, on time. I asked that account be closedI was offered a settlement. I was told that if I paid the agreed amountthat the account would be reported as " Settled in full '' to the creditreporting agencies. *SEE ATTACHED LETTER dated XXXX/XXXX/2013 XXXX. I paid them, per their terms, and received confirmation of acct. 
was settled. Two years later, while reviewing my credit reports, I seethat all XXXX CRA 's are reporting this NOT as " Settled in Full '', as were theterms, but are reporting : " charge off '', no mention of any settlement, and " settled for les than full balance ''. THIS IS NOT THE SAME THINGAS THE XXXX WORDS I WAS PROMISED- " SETTLE IN FULL ''. I did nonot agree to " settled in full, for less than full amount '', or any similar term. 
I called XXXX about this last week, and was told they have nothing to do with how the XXXX CRA 's report on this. This was a bold lie, as XXXXwould be the one to give the information out to TransunionXXXX. 
to release the information concerning payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-07-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Account opening, closing, or management

Complaint: i took out a student loan in XXXX for {$8000.00} from XXXX. after paying on this loan i still owe {$7200.00}. i filed bankruptcy in XXXX and was told could not file this loan because it was a student loan. am XXXX now and on fixed income. told could not do loan forgiveness because it was a private loan through Bank Of America. i have paid a total of {$7400.00} which all but {$200.00} went to finance fee, late charges, and something called int capitlztn. what can i do about this problem? can you help me with this. i have paid for 10 years and can not do it anymore due to my fixed income ...

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 02-04-2016 about Money transfers (Domestic (US) money transfer) with FIRST AMERICAN FINANCIAL CORPORATION (IN).
Issue: Other transaction issues

Complaint: I had a contract to purchase a home in XXXX 2015. The morning of what would have been closing, I wired nearly {$270000.00} to XXXX XXXX XXXX XXXX. The afternoon of 'closing day, ' my real estate agent and I did a final walk through of the home only to find that the seller had defaulted on the terms of the contract by not having inspection repairs made and habitability standards met. Upon learning of the seller 's contractual default, I cancelled closing that day. I later approached XXXX XXXX XXXX to request my wired funds be returned to me due to our failure to close. XXXX XXXX XXXX XXXX has refused for multiple days to return my wired funds. My real estate agent and I formally gave notice to XXXX XXXX XXXX, XXXX XXXX ( regional manager ), and XXXX XXXX ( escrow coordinator ) that I expected my funds to be wired back to my account within 24 hours. We are well beyond that timeframe and my funds are still being held against my will by XXXX XXXX XXXX XXXX. XXXX XXXX seems to be afraid of losing repeat business from the seller 's Realtor, and therefore refuses to return my monies. My monies are being held against my will by XXXX XXXX XXXX XXXX in hopes that I will succumb to their bullying and close on a home that does not pass inspection so that they can maintain a business relationship and profit from their acts of coercion.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Real Time Resolutions, Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a mortgage that has been paid off/closed for a couple of years, yet one of the prior servicers  ( Real Time Resolutions ) is  reporting that my account is currently 60 days delinquent, AND that it was transferred to another company. This account was transferred to another company almost 3 years ago, and is no longer being serviced by  Real Time . I 've asked them repeatedly to report this correctly, or to delete it altogether, as it 's only reporting incorrectly to   XXXX    (  not the other reporting agencies  ).  This is causing problems with attempting to purchase a new home, and therefore I need this resolved quickly, as I 'm soon going to be homeless if this does n't get fixed. I keep getting the same information from them, they keep sending me a letter stating that the account was delinquent when it was transferred, but they will not fix the reporting of the account. This is the only thing holding up my new mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I need to dispute a charge on my credit. There is a matter that the company should have taken me to court over because the lease at the apartment complex that I was renting at was voided, as proven by lawsuits by other renters that were released from the contract because amenities at the complex were closed without notice. Please understand I left the apartment XXXX month prior to what the lease would have been holding me to, had it not been voided by property management when they removed the amenities without notice. 

I rented at XXXX XXXX in XX/XX/XXXX. The contract for some reason was set up for XX/XX/XXXX to XX/XX/XXXX. I rented at this complex because it advertised an indoor pool and fitness center that I could enjoy throughout the year. In XXXX approximately, I went to swim at the pool and the doors were locked without any notice and no sign was posted that it would not be reopened. No notice was given and two weeks later, I inquired as to when the pool would be reopened. They stated it was closed for repairs and would be open again soon. A week after that I inquired again and was told the pool would not be reopened at any point in the future. The fitness center was also locked and unable to be used. Later, around XXXX, A neighbor stopped me outside of the apartment and was very upset that he rented just 2 months prior to these being closed and that he was taking them to court to be released from his contract. Later, I found out that he and several other tenants won judgments in court that the contract was voided and we could not be held to them. As amenities were advertised and not provided. The cost of rent was higher to cover the amenities. 

On XXXX XXXX, I turned in the keys after cleaning the apartment and leaving it in better shape than the day I rented it. As the contract was voided for others, I also am not responsible for the {$750.00} rent for the month of XXXX. Later, I found out that they reported the {$750.00} to collections and the credit bureaus. As this is a civil matter, I feel if they believe that I owe them they are obligated to take me to court over this amount and are illegally reporting this to my credit and turning me into collections. I do not owe this money and this is unfairly being reported. I have emailed them and asked them to remove this. I feel it would be unfair for me to pay travel expenses, attorney expenses and court costs to resolve this matter. I am in Ohio, I believe that if they feel I owe this, they should have to take me to court for this amount. I never received notice from the apartment management that this money was owed at any point. 

Sincerely, XXXX XXXX XXXX Phone : XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: On  XXXX  I went through the various screens and specified, first Experian, then  XXXX , but in each case at the last screen where it said it was getting the report it said that I could n't get it online and would need to mail to an address they provided. This is misleading when it was advertised as providing an online 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 09-10-2016 about Bank account or service (Other bank product/service) with Concorde Land Title Services, Inc. (FL).
Issue: Making/receiving payments, sending money

Complaint: We purchased a home and paid cash ( not contingent to financing ) in XXXX XXXX XXXX, Florida. The SELLER chose the title company ; and in doing so, agreed to pay for the title policy and associated costs. At closing, the title company charged us ( the buyers ) a fee which we never agreed to of {$350.00} as a " processing fee ''. We argued that we had our own attorney representing us and wouldnt pay a fee to a third party company who was selected by the sellers and not by us. The title company threatened that if we didtn pay the fee, they could stop our purchase and cost us our deposit which was a large amount of money. We are pretty sure that this type of act is a direct violation of RESPA and needs to be addressed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (MO).
Issue: Trouble during payment process

Complaint: I believe I am due more for what I have been through. I have tons of papers. It shows on my older credit reports that they now have removed. I lost everything! It started with XXXX, who sold to XXXX, who sold to XXXX, who sold to XXXX, who sold to XXXX XXXX, who sold to JPMorgan. There may be more in there somewhere. 
XXXX was the one who started the trouble. They paid my homeowners insurance out of my escrow. Then sent me a letter saying I did n't have homowners insurance and so they were insuring it for a great sum, and that it put me 3 months behind on my mortgage. Then the phone calls, at my work, my home every 2 minutes. 
I had the paper showing that 'they ' paid my insurance out of my escrow. I faxed it to them. I called to be sure they received the fax. Nope. They gave me a new fax number. I called to be sure 'they ' received the fax. Nope. And on it goes. Then the letter that I owed their lawyers {$4000.00} approx. which put me even further behind on my mortgage. 
Then another game : Modification. 'They ' modified the smaller loan and said the other would follow suit. Nope. 
Then the foreclosure papers. On and on and on .... I would like {$200000.00} for all I lost, emotional distress, health issues now, and this is the amount it would take to make me whole.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Mortgage (Other type of mortgage) with SUNTRUST BANKS, INC. (FL).
Issue: Trouble during payment process

Complaint: Sometime in 2009, my mortgage was with SunTrust and my monthly payments increased due to rising insurance costs. I requested a loan modification and was told I had to be in the foreclosure process in order to be considered for the modification program. So I asked the operator what other suggestions she had as I could not afford the monthly payments. Eventually I fell behind, I was granted the modification. Only, my monthly payment difference was a minuscule change. I can not remember exact amounts. I was given a subordinate mortgage to cover late fees, interest and lawyer fees for the foreclosure process. I am curious to know how they arrived at the {$17000.00} amount for this loan. XXXX XXXX is the servicer now and can not provide the details, as they do not have it. I have requested the information from SunTrust three times to no avail. The loan modification was totally unfair as I fell into the foreclosure process AGAIN the following year. Attorney fees were only {$1200.00}. I also went to court for the matter and not one of your reps appeared ... .only to find out later my file was sold XXXX times and starting the loan modification process all over again and have another {$40000.00} added to my loan amount.

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 10/31/2016 about Mortgage (FHA mortgage) with Statebridge Company (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I am trying to work with my bank to modify the loan. They refuse to give me any help. They do not have to work with me, is what they said!

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 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: Their investigation did not fix an error on your report

Complaint: Pursuant to FCRA The unverifiable items listed report still remain in violation of federal law. They have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) and sections 611 ( a ) ( 1 ) ( A ) .. ( consumer contract with any signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA- you are required to ... properly delete all information which can not be verified

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 10/23/2016 about Debt collection (Auto) with CREDIT ACCEPTANCE CORPORATION (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: So-called Creditor is in direct violation of FDCPA, FCRA and has not supplied XXXX / 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