milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-06-2017 about Debt collection (Other debt) with SECURITY FINANCE CORP (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was garnished and paid this account off, it 's still being listed as a judgement that was never paid. I contacted the  XXXX    XXXX   and they were supposed to remove it. I called courthouse and it 's still being listed as unpaid

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 06-12-2015 about Bank account or service (Other bank product/service) with Cogent Road, Inc. (LA).
Issue: Account opening, closing, or management

Complaint: Funding suite/ XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX # XXXX entered a credit report inquiry on my XXXX and XXXX XXXX credit reports and upon contacting them, they could not find it, and I told them it was due to someone trying to attain credit fraudulently and I did not authorize the inquiry.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Consumer Loan (Pawn loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Applied for loan/did not receive money

Complaint: Bank of America suspended my wife and I use of my home equity line of credit effective XXXX XXXX, XXXX. I received this notice through the mail on XXXX XXXX. BOA said this suspension was based upon the decreased equity available in my home. I called up BOA and said they have never been to my home and this was based upon a formula. I asked for the formula and was declined this information. I live in XXXX XXXX Maryland where the home values have increased and not decreased since the home equity loan I took out in XXXX XXXX, XXXX. Since then I have made substantial improvements on my home. Since opening the home equity loan both my wife and my credit scores have also increased, although this was not in contention. I also paid a significant portion of my load down in the pst few months. It is my contention that they are doing this without due process., without due diligence and are artificially devaluing my home without the correct information needed. In the same XXXX XXXX notice, they make it incumbent upon me and my wife to bear the burden of proof that my home value has not decrease and request a reinstatement. This is insulting and just plain wrong. I believe I have suffered injury as my family 's credit has been significantly altered by this outrageous, unthoughtful decision. This is also a defacto breech of the Deed of Trust that BOA agreed to ( see page XXXX - Assignment of Miscellaneous Proceeds : Forfeiture. ) as BOA has failed to prove loss in value of my property and requires me to.

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 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNRISE CREDIT SERVICES, INC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violaton sent po report XXXX has let their breach miss up my credit with everyone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1900.00} {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1200.00} {$1200.00} XXXX XXXX XXXX XXXX XXXX, NY 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
Consumer complaint received 12-05-2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Constantly getting calls from HSBC Collections. XXXX for XXXX Credit Card which was paid in full. This account shows on my credit report that it was paid in full and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Someone Used My Social For Apartments I never stayed in, I have several evictions dates on most I was underage .Now as an adult I 'm having trouble finding a place because of the evictions on my credit ... May have been a mistake and you guys placed it on the wrong credit because me and my father have the same name and these were places he stayed not me

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 09-04-2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On XXXX XXXX, 2015, we tendered proper notice to the landlord, XXXX XXXX XXXX, to make remedy to those issues materially affecting our health and safety, as well as denying us quiet, peaceful enjoyment of the premises. XXXX XXXX XXXX, managed by XXXX XXXX, XXXX, refused our repeated requests to make remedy. On XXXX XXXX, 2015, we exercised our legal right to terminate the rental agreement, without penalty, in accordance with ARS 33-1361. Pursuant to ARS 33-1321 ( d ), the XXXX XXXX XXXX XXXX were required to refund our security deposit but failed to do so. Thus, not only did we legally terminate the contract without penalty, and delivering a thoroughly clean, scrubbed and sanitized unit for immediate occupancy, but XXXX XXXX XXXX XXXX is in debt to us for failing to refund our deposits. We do not owe XXXX XXXX XXXX ANY monies, as rent was paid current through our tenancy. XXXX XXXX XXXX accepted return of possession of the unit on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I just completed a chapter  XXXX  bankruptcy that included the    XXXX   XXXX      home loan. the house was surrendered and the loan included in the chapter  XXXX  with the successful completion of the chapter  XXXX  the loan must now show  XXXX  balance. The updated report now shows a greater balance. this a violation of federal law and the terms of the chapter  XXXX  the   XXXX   XXXX   home loans should now read closed. zero balance.

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 06/15/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On Monday  XXXX   XXXX  I went in to Chase Priv ate Client branch located at  XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX . I asked for a private account. I was tricked into believing a ge ntleman was working for the FBI and investigating the bank and my inheritance was basically stolen from Chase Bank NA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My credit report continue to show incorrect and false information for me. My credit was used previously in the past fraudulently and I want to prevent this from ever happening again. I have been trying to have my name and address corrected on my Experian and XXXX credit report but the incorrect information still remains.

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 01/24/2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Ten years ago I was laid from my 25-year job. Since then I have been unable to make payments easily. I already went through all of my 401k to try to keep my place. I just make enough to pay my bills, little else. I had my mortgage and a home equity loan through Citibank. After 10 years, apparently I have to start paying the principle on the home equity loan which I was unaware of. My payment went from about {$300.00} to $ XXXX+. I have continued to make the {$300.00} payment but that 's all. I do not make enough to refinance or get another loan. The payoff on my place is about $ XXXX. When I started to see if I could be considered a " hardship case '', they did a property assessment of $ XXXX. One letter told me they would " suspend Foreclosure proceedings '' while they determined if I could qualify for a loan modification. Three+ months later ( this week ) they denied me. I can never get through to anyone and no one returns my emails. I had to file bankruptcy so my Citibank Mortgage loan was sold to XXXX XXXX/XXXX. They do not give you any information on your statement, and make you wait forever to get through, and then you are transferred to the " Bankruptcy Department ''. But it is very difficult to talk to anyone because my Home Equity Loan is no longer tied to my mortgage loan at the same company. I usually get transferred about 5 times, and then they end up transferring me back to the department I started with! Most of the time, they just answer " No one is available to take your call. Call back later ''. One person I spoke with said I was never in Foreclosure status, so who knows.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Trouble during payment process

Complaint: In 2001 I bought said property XXXX XXXX XXXX in XXXX PA XXXX. The property taxes were not being paid properly, and the property went of the heriff sale list before I ever personally missed a payment. Countrywide Mortgage had been practicing fraudalent practices against its customers. I then lost my job and missed a few payments I tried to remedy through quick sale, but it was too late because they had already freclose my property by not paying the taxes they claimed they were escrowing. From there had to wait 7 years for the property to come off of my credit. Being sold several times XXXX XXXX XXXX XXXX XXXX, Bank of America and XXXX XXXX and XXXX. None of which even tried to collect the debt. I believe because they all new countrywide had been doing fraudlaent practices through the mortgage crisis. I would like a refund of all fees taxes and compensation for being scam into a mortgage that was already doomed. I can be reached at 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 10/18/2016 about Bank account or service (Checking account) with PNC Bank N.A. (MI).
Issue: Account opening, closing, or management

Complaint: XXXX XXXX -- -Sorry, I ca n't login to continue my complaint and have to go this route. PNC Bank " stole '' maintenance fees of {$7.00} per month out of my " FREE '' checking account since XXXX 2016 according to the Rep I spoke with on the phone. They never sent me " anything '' regarding changes to our agreement -- per their response to my ongoing complaint -- -their response to my complaint was " FALSE '' in all respects, I never received " ANY '' notice of " ANY '' changes to their policies, I PERSONALLY showed up at one of their branches and gave them my current address. Their " ACTUAL '' response was to eliminate my ability to access my account information online once they found out about my complaint with the CFPB and when I called to gain access, I found that every single record of my account had been " erased '' and my account had been " closed '' without my permission. PNC Bank owes me at least {$63.00} plus any penalties you wish to assess to them for all of their other clients that are suffering through the same circumstances I am.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I am working on a short sale with Penny Mac. The loan is a VA Loan. A VA Appraisal was conducted and resulted in a appraisled value of {$300000.00}. 
Penny Mac decided that the value " appeared '' to low and ordered a BPO. This BPO apparently resulted in a value of {$320000.00}. 
My concern is that Penny Mac is not following VA Compromise Sale ( short sale ) rules. 
How can Penny Mac deviate from the government rules of a VA guaranteed loan?

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re. : XXXX Dispute # XXXX Please note that this is in reference to account number XXXX pertaining to then phone XXXX for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. As you will see from the documents enclosed I was incarcerated on XXXX XXXX, XXXX, at approximately XXXX and was not released until XXXX XXXX, XXXX. I am therefore rightfully disputing the {$600.00} XXXX claims that I owe them from billing for their services since just prior to my incarceration date I had already paid my last bill. I was not free in society to have been able to utilize XXXX 's services beyond then and I should not have been continued to be billed after the first payment beyond XXXX XXXX, XXXX, failed to be paid by me due to being incarcerated. 
I also want this erroneous debt claimed to be owed removed by XXXX from my Credit Reports. Although the erred referenced had been previously taken out from my Credit Reports upon XXXX having been notified of their error soon as I was released, recently on XXXX XXXX, XXXX, for some reason it was placed back on there and fraudulently claimed that it was a debt as of XXXX XXXX, XXXX. Despite this debt claimed being over almost six years olds well. 
I previously wrote about this matter after being released and learning of the above but have yet to hear anything, nor was I called regarding the investigation of this Dispute although I was told that I would be before any decision would be had. 
In sum, your time and expedient help in the resolution of this matter will be greatly appreciated. 
Cordially, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/13/2017 about Debt collection (Other debt) with I.C. System, Inc. (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I C System placed a collection account on my credit file for {$130.00}. I have not received any correspondence about this debt and I do not know who it is with. I noticed on my credit report today XX/XX/XXXX that it was placed on XXXX/2017.

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 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Re : Fraudulent Credit Inquiry To whom it may concern : Recently i received a copy of my credit report which showed Inquiries i didnt not authorize. I understand and aware that you should not put an inquiry on my file unless i have approved it. I have provided you with a police report and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries and derogatory account removed off my credit file immediately because i did not authorized them and they are fraudulent. 

List of unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Fraudulent Account : XXXX XXXX XXXX Also be advised that The Fair Credit Reporting Act sections 604 605 608 609 610 611 states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

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
Consumer complaint received 08/24/2015 about Debt collection (Payday loan) with SCV Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting a call from XXXX saying that they are representing Tier 1 Capital LLC and that they are going to send me a summons for failure to pay on a payday loan that I did not take out nor do I owe. He was trying to confirm other personal information. They are also calling my husband 's phone. 

The numbers they are using are:XXXX and XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient reported me as 120 days past due during their process of returning my loans to Dept. of Education. This act along with numerous hits on my credit report almost caused me to not be able to get a job. I ca n't get a car loan because of this reporting. 

I was unemployed for 7 years. Most of this time I was on deferment with Navient. Every 6 weeks or so they would send me an email to let me know it was time to reapply for deferment so that it would not affect my credit. In XX/XX/XXXX, my present employer did a background check on me and said Navient reported me as being 120 days past due. If I had not shown them the XXXX balance from Navient, I would have not gotten this job. 

I did n't get a notice of this transfer from Navient nor was I provided with a way to continue to reapply for deferment. 

After my employer gave me the credit information, I logged into my Navient account and the balance is XXXX and the status was " Paid by Navient/Dept of Education ''. I was confused by this. It took me 3 more days to find out that CFPB had sued Navient. During this time I suppose Navient just decided to transfer the loans and not provide an alternative method for me to continue to be in deferment. 

In XX/XX/XXXX, I was reported by Navient as being 120 days past due. My math tells me they put me in default 4 months prior to XX/XX/XXXX even though the DOE said the loans were sent back to them starting on XX/XX/XXXX ( the last entry in my Navient account is XX/XX/XXXX ). I do not  understand why Navient did not communicate with me before my credit was destroyed. I also do not understand why they have so many entries on my credit report ( more than 100 entries in a short period of time ). My credit before this, even while I was unemployed, was XXXX. It is now XXXX and XXXX and I ca n't get a car loan so I can get to my new job without getting a ride from a relative. 

I would like to know why Navient reported me as 120 days past due and why so many entries on my credit report. I would also like to know why my Navient account shows " paid by '' instead of " transferred '' to DOE. I had to search to find this information. 

Also, it looks like Navient reported me 120 days past due in XX/XX/XXXX, but the loans were not moved back to the DOE until XX/XX/XXXX. 120 days would be about XX/XX/XXXX. By the time XX/XX/XXXX came around my loans were already in default and now I 've had to enter into a rehabilitation program with DOE before I can find another lender to consolidate the loans, which means more interest is going to accumulate. 

I feel it was extremely unfair for Navient to destroy my credit this way. I ca n't get my own apartment or a vehicle because of this issue. All they had to do was tell me how to continue with deferment instead of destroying my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: NEW CASE, NEW TRANSACTION Missing refund on  X/XX/2017    from  XXXX  for  XXXX  Fraud department now lying and saying I can not submit a claim/dispute. All I want to do is close my account.     They took literally over a month to credit my last missing refunds. Now we are starting again.     The contact from  SunTrust  assigned to me for my last cfpb complaint refused to speak to me and told me she would call me when she would call me and had n't even looked at my case. Essentially, do not call again.

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 06-09-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Other

Complaint: For months, BOA had been calling and I inform them to stop calling. they stop for a while. When I got out the hospital BOA continued the harassing calls to my house through XXXX card services.This is my XXXX complaint to CFPB to stop them from harassing calls however they continue to call constantly. 

BOA deceptive and abusive practices against XXXX and XXXX especially to money that a consumer do n't owe.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Debt collection (I do not know) with Recovery One, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is on my credit reports. I sent them a letter XX/XX/2015. They have ignored me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation