milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-11-2017 about Debt collection (Other debt) with S.B.S. Trust Deed Network (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Several years ago, I got behind in my HOA on my property. The  HOA s ent my debt to a collection company, cal l SBS lien Services. I rec eived a payment plan. Last year I got behind by 45 days due to my business being slow. I asked for a meeting with the  HOA and they never resolved the problem. I made sure I paid the monthly HOA because the Davis Sterling act states that legally the HOA has to accept my c urrent payment. Last month my father passed away and I was involved in his passing and his funeral expenses. At the time of me staying at the Rest home with my father the  HOA 's collec tion company sent me a letter on  XXXX   XXXX , which I received on  XXXX   XXXX  asking for {$5500.00} by  XXXX / XXXX / XXXX  only giving me 4 days to come up with money I did not have after paying for funeral costs ( I have the death certificate to prove it ). In the letter they wanted {$5500.00}. I did not even get the letter until  XXXX / XXXX / XXXX , and I was paying my curren t HOA. The HOA did not give me a chance to make payments. the cost seem to sky rocket even though I was paying the {$200.00} current fees. The collection company sent my file directly to a Trust Deed sale, with out a current notice of Default. The lien service last file of notice of defau lt was in  XXXX , with the last notice of trust Deed sale in  XXXX , and a release of the les pendance in  XXXX . I feel since I was making the payment and paying extra t he HOA should be advised to allow me to have a payment plan and remove all the additional fees they added for the trust deed sale without a current notice of default. SBS Lien services did not give me enough time to even come up with the lump sum. In addition the HOA wa s not advised correctly as I have a modification on the home on the loan at $  XXXX  and the value is only  XXXX  Th e HOA will owe more on the home than it is worth which means they were not explained the circumstances by their property manager who is not following the Davis-Sterling Act or the collections company. I do not want to los e my property, yet t he offer too me was unfair only giving me 2 days to come up with {$5500.00} and not the Trust Deed sale is requsting over {$7500.00}, {$2000.00} more. I sent them all the money I have {$3000.00} and all I am asking for is a fair payment and not a foreclosure. SBS c ontact is  XXXX . I was never contacted by phone, nor was I invited to a meeting with  the HOA, PLEASE  HELP ME..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I went to Equifax Cybersecurity website on XXXX XXXX,2017 see if my credit report was impacted and it was  according to Equifax. Waited until XXXX XXXX 2017 to enroll. Did that Equi fax said I would receive a confirmation email that night. TODAY is XXXX XXXX, 2017 called to ask about confirmation email was hung up on Twice before I got the third Rep who did n't know anything. I think Equi fax is just giving me and other consumers the run around with the Monitoring Service it is supposed to be offering!!!!! In the mean time my Credit is suffering severely. I have XXXX great open accounts with 100 % payments and over XXXX credit inquiries from same companies In short time spans. I disputed these inquiries in XXXX XXXX 2017 confirmation # XXXX. They came back as factual record of file access. Of course it 's going to come back as factual if MY PERSONAL INFORMATION has been hacked!!!! This has profoundly affected my credit score, bank accounts having to get new cards, credit cards being opened up that I do n't, having to call creditors to give them new card numbers and ability to receive credit. I want all unauthorized injuries removed from all three credit bureaus.Documents can be provided upon request. ALSO credit bureaus need to find another way to verify Your Identity instead of having the consumer send copy of driver 's license and social security card!!! 
Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (NJ).
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: XXXX  has been removing positive credit accounts from my credit report for the past several months and has been refusing to reinstate those accounts back onto my credit report. With this negligence it has cost m y credit score to p lummet substantially. They have as of today  XXXX   XXXX ,2017 removed my  XXXX  , American Express,   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  ,  XXXX   XXXX  is reporting as a defaulted student loan even though it is a credit card account that is open and not closed. I have contacted all the Data Furnishers and they have all re-reported the accounts and   XXXX   has yet to re-insert the information. This is wrong on so many fronts. This has cost me to my house that I was trying to purchase and has put everything on hold. This has to be taken ca r of ASAP .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX SYNCHRONY BANK XXXX XXXX SYNCHRONY BANK XXXX XX/XX/2015 {$110.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX  cra violation inaccurate information sent my police report what else do they want

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 12/15/2015 about Consumer Loan (Vehicle lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (PA).
Issue: Managing the loan or lease

Complaint: I had a XXXX XXXX XXXX on lease with GM Financial ( GMF ). I traded in the car on XXXX XXXX, XXXX. The new car dealer bought out the lease from GMF. However, between the time we negotiated the deal ( XXXX ) and the date the deal was completed ( XXXX ), I made another lease payment ( XXXX ) of {$250.00} which was automatically deducted from my checking account. The dealer told me that the leasing company would refund the over-payment. The lease was fully resolved by GMF on XXXX, as the dealer paid off the remaining balance. It is now XXXX, and after XXXX phone calls and XXXX e-mails, my over-payment is still unresolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2018 about Debt collection (Other debt) with BB&T CORPORATION (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: We turned in a boat to BB & T in XX/XX/XXXX because we could no longer afford it due to my husband losing his job and having a rental property that had renters that would not pay their rent. I contacted the bank and told them of what we were going through and they said I could give back the boat and they would auction it off. However, the amount they are charging us is the full amount of the boat loan. We have paid {$500.00} per month for eight years and have paid more than {$48000.00} for a boat we have not had since XX/XX/XXXX. The collection company we have our payment set up through is XXXX XXXX XXXX and they originally set up our pay back in XX/XX/XXXX in the amount of {$64000.00}. They put a Judgement against us in XXXX for non payment. Again, my husband was laid off, we lost our house, yet we tried to keep making our payments on this boat but could not be consistent for a few months till my husband got another job. We once again signed another agreement to make payments and have been for over a year and yet the civil action is sitting on my credit report as if we have not been paying on time again for the past 12 months. I need this off my report since we are in good standing even though they are completely taking advantage of us and have ruined our lives with this outrageous payback for a boat they sold and I never got to see the amount they sold it for. Clearly they did not sell a {$100000.00} boat for {$20000.00} but no one will show me those figures. Please remove the Civil action from my credit report. I have called BB & T and spoke to three people in their collections/Recovery Department and they said they did not put this civil action on my report. I then spoke to three separate people, two being managers, at XXXX XXXX XXXX and they said they did not put this on my report. Someone put the civil action on my report and it needs to be removed since we are in good standing for over a year even with me losing everything to try and make good on this account. The last person I spoke to, XXXX XXXX, Supervisor, at XXXX XXXX XXXX, and said she would contact the attorny 's office at BB & T that I had spoken to and work through the situation and call me back. This was XX/XX/XXXX and after speaking to at least six people between the two companies and spending over two hours on the phone, I have not heard back from anyone nor has the problem been resolved. Please contact me at XXXX or XXXX to let me know this has been removed from my credit. Thank you. 

XXXX XXXX The account number with BB & T 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 06/30/2017 about Debt collection (Credit card debt) with SUNRISE CREDIT SERVICES, INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XX/XX/XXXX REPORTED TO THE POLICE- WILL FIND REPORT AND DELIVER SOON - WENT TO XXXX XXXX XXXX AND REPORTED IT AND THEN CALLED THEIR THEFT CUSTOMER SERVICE AND WAS  TOLD TO CALL ANOTHER NUMBER THAT HASNT RETURNED MY CALLS IN ALMOST A YEAR. XX/XX/XXXX- I HAVE BEEN GOING BACK TO XXXX XXXX XXXX TO SPEAK TO A REP BECAUSE DEBT COLLECTORS KEPT MAILING AND CALLING NON STOP, I COULDNT SIGN UP FOR SCHOOL OR A BANK ACCOUNT AND I HAD ASSUMED THEY FIXED THE SITUATIONXX/XX/XXXX- COLLECTOR CALLED AND I EXPLAINED TO HIM THE SITUATION HE SAID IT WAS TOO BAD BECAUSE ITS BEEN A YEAR AND THE BANK WANTS IT. I PAYED XXXX $ TO HIM SO HE WOULD BACK OFF SO I COULD REPORT THIS. ON TOP OF THAT, I HAD BELIEVED MY CREDIT CARD AND SOCIAL WAS STOLEN BY A STRANGER ALL UP UNTIL THIS YEARXX/XX/XXXX WHEN I TRIED TO LOOK INTO IRS TO TRY TO FIGURE OUT WHY I DIDNT HAVE MY TAX INFORMATION AND WHY I NEVER RECIEVED MY XXXX. ALL MY INFORMATION ABOUT ME WAS STATED THAT IT WAS WRONG. IMMEDIATELY REPORTED BECAUSE I REALIZED MY EX HUSBAND HAD OPENED A ACCOUNT RECENTLY WITH MY NAME TO XXXX WHICH I CLOSED AND HE HAD TAKEN MY TAX INFORMATION FROM MY MAILBOX AND APPLIED FOR TAXES. WE WERE IN THE MIDDLE OF A DIVORCE AND HE IS NOT A CITIZEN. HE WERE ENGAGED AT THE TIME OF THE CREDIT CARD ISSUE

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (Private student loan debt) with Lockhart, Morris & Montgomery Inc. (IN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I called Lockhart Morris and Montgomery on XXXX XXXX, XXXX. I called about a debt with XXXX XXXX, to setup a payment plan. XXXX said, " I could n't because I could n't pay a down payment. '' Then we ended the call. After I ended the call, I received a email that my credit was ran for a installment loan. I never asked for or authorized the loan to be ran. I called Lockhart and told them I did n't authorize them to run my credit for any loans. She told me that there allowed to run my credit for loans because, I have a contract with swift. I am now seriously concerned that they will use my personal information for XXXX knows what.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Using a debit or ATM card

Complaint: I have a bank account at Chase. It has maybe XXXX to XXXX transactions a year. 
XX/XX/2015, someone went into a Chase branch and obtained a ATM card to my account. This person withdrew all the funds from my account. I was notified when Chase Emailed me that the account was overdrawn. I filed a claim through the Chase system, and they denied my claim. Chase says they see no evidence of fraud. 
So Chase gives a crook an ATM card to my account, and Chase says to me too bad, your money is gone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/22/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (ID).
Issue: Loan servicing, payments, escrow account

Complaint: I have been making my mortgage payments early. I sent a message to my mortgage company on XX/XX/2016 " RE : Early Payment applied to interest When a payment is made on the XXXX of the month for a payment due date on the first is extra dollars applied to interest? " I intended to say applied to principal. I received a letter from my mortgage company several months later stating they were researching my question. and have not heard back on my question. Before the servicing of my loan was transferred to Ditech, my former mortgage company adjusted the interest and principal amount to reflect the payment date. Since Ditech is working with the same loan documents, I am concerned there are no adjustments made when they receive the payment before the first of the month and if this is the normal practice for all customers.. In this case it appears there would be no advantage to making bi-monthly payments as suggested by numerous financial advisors. I am attaching several mortgage statements that indicate when the payment was received and how if was applied. Again my main concern is I have not received an answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CO).
Issue: Account opening, closing, or management

Complaint: I applied by phone in XXXX for a Citigold Checking Account. I gave the telephone representative a code for a promotion that would allow me to earn XXXX XXXX XXXX XXXX ( frequent flyer ) miles if I completed a set of requirements ( such as depositing {$1000.00} and making XXXX bill payments from the account. ) The telephone agent assured me that I was eligible for the promotion and that I would receive XXXX miles once the promotional requirements were met. I proceeded to meet all of the requirements for this promotion. In XXXX, I called back again and spoke with a phone representative ( and a supervisor ) who assured me that I was on track to receive the XXXX XXXX bonus. When I had not received the bonus in XXXX, I called Citigold and was told that I needed to file a " dispute. '' I received an email back from Citigold on XXXX XXXX saying that there was not an XXXX promotion offered in conjunction of the opening of my account. I called Citigold back on XXXX and was told that they did not dispute that the agent had told me I was eligible, and that agents had been telling various people that they were eligible, but that the agents were mistaken and that people needed to have been specifically targeted for this promotion. I asked how the company could mislead investors this way and whether or not this was a " bait and switch '', but was told that all they could do was re-submit my complaint to their " back office. '' I asked to have the recorded calls that I have made with Citigold pulled for review, but the agent said he did not think he could do that. Citibank has profited from holding my money and from orchestrating my financial transactions, yet refuses to deliver the bonus that they agreed to when I opened this 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 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This complaint will be my sixth complaint about my credit report and scores. I have already told in earlier complaints that I was faced extreme hardship when I was in California, that time am not able to make payments and my car my wallet was stolen I have police report. Now I am paying my owes. This information I have told to XXXX XXXX XXXX and XXXX and experian. Still am facing hard time due to these three companies. I am applying XXXX  credit card they were denied me because of your credit report. So here is the bottom line if You dont repair my credit I will put case against XXXX XXXX XXXX XXXX and experin and I will put discrimination case too, I will approach leagally a lawyer.

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 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I can no longer get access to my credit report  ( s )  from ANY of the  XXXX  credit reporting bureaus, now that I have filed complaints against them. I find this punitive and very bad business.     I DEMAND access be reinstated online through the portals that they set up, and of which I have an account. I need to make sure that they are investigating my submittals and demands that they correct and update my information.     I have lost the ability to purchase the home I wanted, because they continue to play games with my repo rt ( s ).      I demand access be reinstated, and new reports AND scores be sent via postal mail within  10 busine ss days. I further DEMAND that all the disputes be FINALLY, corrected and updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX  is saying that I owe {$550.00} for a  XXXX  bill. I have no outstanding bills with this hospital or   XXXX   XXXX    This was 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 explanation
Consumer complaint received 01-09-2018 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (FL).
Issue: Trouble during payment process

Complaint: Recently I received notification from M & T Bank ( creditor ) that our escrow account was short. Our two options were to make a payment in full to satisfy the escrow shortage, or make monthly payments to satisfy the deficit. My family and I decided to make additional monthly payments. Three additional payments were made towards the escrow shortage. Separate checks were written and I specify on the memo section of the check that these additional payments should be applied towards the escrow shortage. 

M & T chose to apply my escrow check payment towards my principle & interest payments, therefore, they have failed to apply my escrow payments correctly. Several unsuccessful attempts have been made to resolve this matter. During my last attempt to contact them in XXXX 2017 I was finally promised that they would reverse the escrow payments that were previously credited to my principle and interest. Unfortunately, about two weeks later we were contact by the creditor, this time to inform us that they will not be able to correct their mistake since the error occurred more than 90 days prior. 

Again we have made several attempts to resolve this matter within 90 days prior to receiving the last letter from creditor.Furthermore, creditor is reporting that I am 30 days late on my mortgage based on how my account was credited. This erroneous reporting can be a detriment to my credit scores.

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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: This bankruptcy is being reported on my credit report and I do not have a bankruptcy and never had a bankruptcy. I wants verification and validation of this information. I have dispute with the XXXX 's but have got no luck. This is damaging my credit report, My address is XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX date of birth XXXX/XXXX/XXXX and last XXXX of my ssn are 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 12/19/2015 about Bank account or service (Checking account) with KEYCORP (CO).
Issue: Using a debit or ATM card

Complaint: I have opted out of debit card overdraft, meaning they should decline all debit card transactions when there is no money in account. They put through a XXXX charge which overdraw my account by {$3.00} and they assessed a XXXX dollar fee. I called and they were able to reverse the fee and it left my account negative. I was not informed if I left it negative they would then assess another XXXX dollar reacurring fee. Now because they waived the XXXX fee there is nothing they can do I ca n't even close my account until it is paid, because I will receive another fee because I only get paid once a month.

Company response to consumer: Closed with explanation