milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/28/2015 about Debt collection (I do not know) with Sullivan Asset Management, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A man who has introduced himself as XXXX XXXX calling and claiming he 's calling from XXXX XXXX XXXX has repeatedly called my place of employment, has harassed me, people answering the phone and even spoken to my boss. This person claims I have an old debt that I need to acknowledge and states that he is in contact with my county to get me served with documents. I have requested that he send me something in writing regarding this debt or to give me contact information for my original creditor and he has to refuse to do either but continues to call my place of employment after I have asked him several times to stop. He has threatened to have my wages garnished and even accused me of being a delinquent and telling my boss he 's going to get me on fraud charges. I do n't know how else to handle this, I 'm not refusing to pay any debt I might have all I 'm asking for is proof which he refuses to provide and on top of that he 's jeopardizing my job.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have filed multiple complaints XXXX on this going all the way back to XXXX and have filed multiple complaints on XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXTransunion.com XXXX, XXXX XXXX Fax : XX/XX/XXXX Additional documents being mailed. 
Dear Ladies and Gentlemen ; The reason you have received this letter and old copy of my TransUnion credit report is due to the multiple, nearly monthly credit reports disputes regarding XXXX formerly known as XXXX. 
The letter by an unidentified individual at TransUnion clearly states that " Our goal is to maintain complete and accurate information on Consumer credit reports. '' It goes on to state that the company reviewed my information and " After reviewing XXXX complaint, we are unable to process his request because we were not able to determine the nature of his dispute. In order to investigate information contained in his report. Please XXXX provide us with the specific account name and number and specify why he is disputing it. " I have made myself clear for almost three years now, the amount of the XXXX formerly XXXX automobile account is wrong, the nature of the account is also wrong. This item considering the fact that obviously the account is being reported incorrectly and has been for some time, nearly two years, should be removed from the credit report now and forever. 
This specific matter was clearly described on a multitude occasions The balance of the account was wrong, and I was absolutely clear on this matter and frankly am surprised that this is still an issue. 
I have communicated with the lawyers for XXXX formerly known as XXXX and it was clearly an issue where XXXX restructured the financing on an automobile account and moved XXXX delinquent payments to the end of the contract and later when I dealt with XXXX debt collector 's I entered into an agreement with the debt collector for a settlement of XXXX of with at least XXXX has been paid. This matter was reinforced later by the attorneys for XXXX XXXX and I entered into litigation that was settled out of Court. 
In addition, the automobile was repossessed and the fact that the automobile was collected and resold XXXX, XXXX. The automobile was sold for the amount of $ XXXX have sent another copy of the credit report that is in dispute to your attention with the account under dispute clearly and boldly circled with arrows and the words XXXX '' If there is any misunderstanding or confusion, please contact my XXXX XXXX XXXX XXXX at XXXX. Or email XXXXXXXXXXXX, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: They called my number looking for XXXX XXXX I told them that this was not her number and to not call back again. They were looking for her for a 3 year old debt for XXXX. They will take send it to collections and come after me and they will call back again.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Debt collection (Payday loan) with National Processing Group LLC (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Calls to my references, threatening to take them to court and for depositions. harassing calls to myself

Company response to consumer: Untimely response
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There are several accounts that are incorrect and not coherent with the other credit bureaus. Some accounts do n't even have my name spelled right and do n't belong to me.There are accounts that are out of date and also closed that should be automatically removed but have n't been. I have tried to submit a dispute but I have n't gotten any feedback. This is hurting my credit score more than the correct debts owed.

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 10-02-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX never received any notices, regarding being in default or Bank of America N.A. scheduling a face-to face meeting according to the mortgage agreement clause 9 ( d ), Plaintiff, Bank of America N.A. attached the mortgage to the complaint and redacted the information to conceal those facts of the FHA loan numbers. Bank of America concealed the FHA loan case XXXX. XXXX. Bank of America N.A. did not comply with Title 24 CFR Part 203 Subpart C- Servicing Responsibilities,  including, but not limited to 203.500, 203.501, 203.600 203.604, 203.605 ( a ), 203.614 and 203.616 as stated in the mortgage agreement.yet the are attempting to take my property without compliance to the Federal guidelines or the HUD provisions.

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 02/16/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OR).
Issue: Account opening, closing, or management

Complaint: I deposited a {$700.00} check into my chase bank account XXXX/XXXX/2016 which I have had about 6 or more years. I also requested {$200.00} withdraw at same time via ATM. I was granted the {$200.00} and was taken out of my SSI which I recieved through direct deposit on XXXX/XXXX/2016. The receipt showed had a balance of alittle over XXXX dollars. The next day I went into bank and asked how long usually takes a check to clear, They said funds would be available at midnight. I didnt want to withdraw any till cleared. Wendsday XXXX/XXXX/2016 I went to withdraw my rent and electric out of bank wich would come out of my SSD the ATM wouldnt even let me do balance check told me to call customer service immidiatly, so I did, after talking to quiet a few different so called supervisors the last one told me they had put a restriction on my account due to check, didnt know if bad or not, but said all the sudden instead of positive I was negative {$200.00}. Which couldnt figure out due to it was from my SSI of XXXX. My XXXX is XXXX. I couldnt even access that even though was in bank. When went into bank to discuss head branch said m, y account would be closed XX/XX/XXXX and they would send me balance 10 days later by check. Really you close my account how am I going to cash my check. They didnt care I was on positive side, I could not access my SSD payment. I had to XXXX till could get money from my son 3 days later due to couldnt even withdraw XXXX dollars of my money. I know owe a late fee on rent and looking at eviction. They said it was because the check was for an item I was selling on XXXX and anyone associated with XXXX their account will be closed. It was a local personal check for the exact amount. after the fact found out it was NSF but they closed account before they even knew that. I am looking at electrical shut off. I am XXXX needless to say and need to know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NY).
Issue: Managing, opening, or closing account

Complaint: I have been a member of RushCard Services since XX/XX/XXXX, and have experienced very little problems in regards to their service overall. 

However, the recent conversion has me concerned with being able to collect upon my recent losses. I have been expecting a direct deposit since XXXX, and my attempts to contact any competent RushCard customer service representative have been fruitless. 

I understand they have had an outage, but provide no reliable information as to how they insure a customer 's account will be restored. 

I want to sever ties with this company, as the transition to the new banking service they acquired has left me less than confident in continued business with the service RushCard provides, but I also do not wish to lose out on money that is owed to me. 

Please assist me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion had glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (MA).
Issue: Trouble during payment process

Complaint: SLS mortgage provider is servicing two of my loans. 
On one of the loans they 've lost a payment for the month of XXXX 2017. I  did send a payment and have a cached check image on file with my bank. 
SLS have received payments for both loan accounts for all other months - not a single missed payment. SLS also received payments for the month of XXXX - on both accounts. Yet they 've put my account into delinquent state - not giving me a courtesy call or a grace period to react to the XXXX statement and realize that XXXX payment on one of the accounts was not posted. 

I have provided SLS with an image of a cleared check, all the data necessary to prove that payment was received by them, yet I 'm still in delinquent state. I 've recently located the funds too and called their customer service to explain that they mistakenly posted the payment to the other loan account that I have with them. 
Their response is that the delinquency will be removed once funds are transferred to the correct account. Their original quote was 60 days to handle this issue. Now I 'm getting a quote of at least 10 business days to transfer money to the correct loan account. 

I 've asked SLS if this delinquency has been reported to my credit history and they confirmed that it has even though consumer should have 60 days to appeal any financial issues prior to being reported to the credit bureau. 

I would like the poor service provided by SLS to be reflected on their public rating and record. 

I would also like to make sure that their mistake does not get reflected on my credit history - neither now nor several months down the road.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with U.S. BANCORP (MI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied for a loan on the phone with US Bank. I was told I would get an application to sign and that I would also have someone calling me on Monday, XX/XX/XXXX, this was Saturday XX/XX/XXXX. I had waited a week and I never received a call or an application. 

I called on Monday XX/XX/XXXX and I had asked for a supervisor to call me and to date I have not had a supervisor call. I tried calling a mortgage number that I had, two days in a row it is over an hour hold time and no way that I can leave a message of phone number for someone to contact me back.

I feel like this must be against disclosure and lending laws. Don't they have to get an application out to me within three days? 

Thank you, 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 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: We were applying for a mortgage and the financial lenders where not able to pull my report or credit score. I received a report with credit scores from all three agencies on XX/XX/XXXX but when the mortgage lenders tried to get my credit report nothing would show up. I have called XXXX, and trans union and they tell me everything is fine, but still not letting the lenders pull my report so I ca n't get a loan for any home, I tried to apply for a credit card and was turned down because no credit information was showing. I had a short sale of a home close just 5 years ago so I know I have credit history. Help! nobody will help me and I am being denied credit through no fault of my own.

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 02-02-2017 about Credit reporting () with Focus Holding Company (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have tried to contact FOCUS RECEIVABLES MANAGEMENT Wed, XX/XX/2017, at XXXX during business hours after seeing they are charging me XXXX $ for a XXXX fee on my credit report. I have called comcast and questioned them about it, since i still have an account opened with them, and they are not aware of such charges. Please do something about this so it leaves my credit report because it is holding me back from rebuilding my credit. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Agreed amount paid to settle debt with stipulation that updated reporting would be done to XXXX major credit bureaus. Debt paid but reporting not made to XXXX major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Account is not mine. I disagree with the investigation. XXXX and XXXX both deleted this account. What information does Equifax have that XXXX and XXXX do not? If you have this information, please share. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MI).
Issue: Credit decision / Underwriting

Complaint: I went through a short-sale on a home back in 2011. Upon recently trying to get approval on a mortgage for a new home, I found that the secondary mortgage ( CitiMortgage ) reported the sale to the credit bureaus as a foreclosure. The primary lender ( XXXX ) reported the sale correctly as a short-sale. I have made multiple attempts to contact a representative at CitiMortgage without any progress towards resolution. I was told, in my last communication with them, that they would not submit a change to the credit bureaus to code it correctly as a short-sale. I have all of the documentation proving that a short-sale was executed, from both lenders involved.

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 07/27/2016 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: This was oponed without my concern for a relative my name is is incorrect which is not my real last name. 
The person Hows opened this acccount is on jail. 
I do n't have to paid something that is not mine. 

Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I am discovering that a HUD was created after closing with XXXX XXXX on XXXX XXXX XXXX and also learned that there is prior contamination to our property not disclosed to us at any point and time. Ever since we bought this house we have had so much fraud on almost every account we have. My XXXX and XXXX accounts have also been hacked into and I have since learned that quicken loans owns both of these companies. My biggest concerns are why there was a HUD created 9hrs after closing documents were signed me and XXXX XXXX. The stress from this entire process has caused so many problems in our marriage that we are no longer even living together. After almost a full year we set up auto draft with quicken loans in XXXX XXXX. XX/XX/XXXX-XX/XX/XXXX pulled with XXXX issues but in XX/XX/XXXX I got a phone call from someone claiming to be quicken loans stating our payments were now coming back invalid. I called my bank and they read the numbers to the rep with quicken loans and discovered a number was now missing from the account number. Now quicken loans claims that never happened and instead numbers were swapped around. Either way it happened it should have never even happened with an account prevoisly set up on auto draft and not having prior issues in the months prior. I asked for copies of my escrow checks and the rep XXXX denied me access to these checks and said I did n't have good reasons to request these checks. Now the EPA is claiming their is a criminal investigation for fraudulent sale of the property and that i should have been given a disclosure at closing about what the land was previusly used for. I can also not find a release of lien on a mechanics lien filed with XXXX county in XX/XX/XXXX and I can only find a partial release

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (MD).
Issue: Managing the loan or lease

Complaint: I have a car loan with CPS, the original loan amount was {$9100.00} ( XX/XX/XXXX ), Interest Rate 25.50 %. As of XX/XX/XXXX I have paid {$14000.00}. Interest on {$9100.00} is about {$2300.00}. Total that should have been paid is {$11000.00}. I believe I have over paid by about {$2600.00}. CPS still shows I owe {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: The wrong balance have been reported for my student loan, when I left XXXX college I paid money before I walked off the campus to a young man who worked in the office. He was leaving and so I trusted him to receipt that he had got that cash. I continue to do my paperwork, and even talked to XXXX XXXX rep on the phone, who told me what paperwork I needed to turn in while still attending another college. I faxed it in to XXXX XXXX, however they started taking money from me in XXXX, I disputed the amount on my credit report as wrong, XXXX, they continue to take money but reported the same amount on my credit report with no change since XXXX.Each time I went to get a loan, a house the amount would show the same amount from XXXX and it would not show that they had received payment or even now when I have money coming out of my card they said they could not show the amount coming out to increase my credit rating.

Company response to consumer: Closed with explanation