milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been trying to prove that XXXX XXXX XXXX is trying to collect on a debt that is uncollectable. Because the debt is Unverifiable accordingly to the FCRA. If a debt is unverifiable and the original credit is not trying to collect the debt and has not hired a collection company to collect the debt. Then it can not be collected in my case I use to stay at the XXXX XXXX XXXX XXXX XXXX. I moved out of the complex and the owners XXXX XXXX XXXX sold the property and handed all old account over to the new owners. So, they had no obligation after the sell of the property to collect the debt. The new owners which is XXXX XXXX XXXX has not hired any debt collectors to collect on this debt. So, therefore XXXX XXXX XXXX has not right to try and collect on a debt that they have not been hired for by XXXX XXXX XXXX. Nor should they be able to collect on a debt in which XXXX XXXX XXXX is not trying to collect after the sale of the commercial property. I have a audio recording with me XXXX XXXX, XXXX XXXX my personal consultant, and XXXX XXXX XXXX employee talking about the collection efforts on this debt. Also, I have a letter from XXXX XXXX XXXX stating they are not trying to collect on this debut. I have a case file already on XXXX XXXX XXXX but they know their company is in violation of my rights so they want talk with my personal consultant about this debt anymore. They will not answer back to the CFPB case I file on them already. So, I want to deal directly with the Credit Bureau 's myself in removing this debt off my credit 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 explanation
Consumer complaint received 06/25/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: APR or interest rate

Complaint: I have called Capital One asking for an APR interest rate reduction and they have stated that my current rate at 20.9 % is the lowest rate. However the Capital One APR range shows as 12.9 % -22.9 % variable APR. I have other credit cards at 13.99 % rate. I am submitting a complaint because no one at Capital One seems to understand the lower APR due to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: TransUnion and XXXX state that I have closed three XXXX XXXX XXXX Credit Card accounts. Those credit cards never reached my address almost 2 years ago. XXXX XXXX told me at the time that these wont show in my credit report. I only have one credit card with them. I never closed 3.

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 07-11-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: About 2 years ago the bureaus dropped my credit score from about XXXX to the low XXXX claiming i opened too many lines of credit too quickly. However, Its been 2 years of on-time never late payments on all my accounts and my score is the same and refuse to recalculate it to account for this. Also there are XXXX judgments that are over 7 years old and need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX PH : XXXX PH : XXXX EM : XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX Date of Birth XXXX/XXXX/XXXX SS # : XXXX TO : XXXX Consumer Financial Protection Brueau * Department of Veteran Affairs, Office of the Inspector General My name is XXXX XXXX, I received another email from Bank of America XXXX XXXX, XXXX in my XXXXXXXXXXXX email that included a PDF file titled XXXX. That was addressed to an unknown person XXXX and unknown school related extention XXXX 

As well, shown in my XXXXXXXXXXXX email accounts online, both XXXX and XXXX XXXX XXXX 's on my cellphone ; yet still did n't appear in my name in. Nor did I find any current or past emails from Bank of America in my XXXX XXXX account today ; which were deleted without my permission. I do n't have and have n't ever had a Checking, Savings nor Credit Cards from Bank of America, nor any Business related Accounts. I created both my XXXX and Email Email Accounts years prior to moving here to Georgia in XXXX. I have n't ever given anyone the passwords to any of my email accounts nor any of my other online or offline accounts. None of my accootherwere, are nor have ever been shared accounts. 
From : Bank of America XXXXXXXXXXXX To : Recipients XXXXXXXXXXXX Date : XXXX XXXX, XXXX, XXXX AM Thank you, 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 11/21/2017 about Mortgage (FHA mortgage) with CORNERSTONE MORTGAGE COMPANY (OK).
Issue: Struggling to pay mortgage

Complaint: I have tried calling/website/email. They said on the website that someone will call me back in 24 hours that was starting in XX/XX/XXXX. They call you answer the phone it disconnects. You call another number that they leave when you call back and you are put on hold. One time I watched 3 1 hours tv shows no one ever answered. All they do on the website is tell you someone will contact you in 24 hours. One time they told me since I was not a hurricane victim I would have to wait. I NEVER could afford this loan but they told me I could and since it was my first time I believed them. They will not help me in anyway. I want out of this home. I do have it listed just at the price I owe but no luck, they won't tell me if I can have a certain amount of time to sell it or anything. Also when I called the lending office of where I closed at they told me that since it already funded they were no longer going to 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 12-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a debt with XXXX XXXX, there financial partner was XXXX XXXX XX/XX/XXXX. It went into delinquent status. I called the collection agency who had my account, XXXX. XX/XX/XXXX we settle the account in question for {$1500.00}. I have a settlement letter from the company XXXX. Stating the payment was received and paid in full. 
Unknown to me my account was sold to XXXX XXXX and then sold to Resurgence capital. Now for the past 4 years this has ruined my credit. Not until I was trying to purchase a home and looking at a high interest rates did this come up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2018 about Debt collection (Medical debt) with Agency of Credit Control (CO).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: A debt collection company contacted my former employer of mine and noted that they confirmed a medical debt of mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Avid Acceptance, LLC (CO).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I filed bankruptcy went to get a van in XXXX.2015. I had been paying on the vehicle for over a year and Avid Acceptance did not report one payment made. I came to find out that they put on our credit in the same month we purchased, that the account was in default. We told them they said it was nothing they could do, but kept wanting us to pay. We gave the vehicle back because they refused to fix this issue of reporting to the bureaus. Now they want to post on our credit a repossession. We have emails and proof from past credit reports pulled of their postings

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 10/19/2015 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (TX).
Issue: Problems when you are unable to pay

Complaint: in XX/XX/XXXX my wife and I used PayPal to pay for a income tax filing extension as the site would not accept our debit card the cost was {$19.00}. today I received a call from their collection department requesting I pay {$100.00} in late fees I was shocked at such a sizeable late fees on {$20.00} dollars. I think this would qualify as loan sharking. of course I must say shame on us for not reading the fine print.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Rewards

Complaint: Hi I jjst got an email from Amex statingWe are writing to let you know that, after careful review of your Membership Rewards account activity, we have removed points from your Membership Rewards program account. Please ensure that any Additional Card members who are authorized to redeem points from your account are notified of this change in your Membership Rewards balance. 

Why We Are Removing Your Points We recently noticed point accrual and redemption activity on your Membership Rewards program account that indicates an effort to obtain and use points in a manner that is not appropriate. Please recall that the Membership Rewards program terms and conditions state that " if you attempt to use or obtain points in a fraudulent way, we may : Take away all points in your program account, Cancel your program account, or Cancel any of your American Express Cards '' Your Options If you have any questions about this letter, or if you believe that the points have been removed in error, please contact us at XXXX ( XXXX ) I had an offer in the mail to sign up for Amex Platinum and get XXXX sgin up points when i got that email and called they said i had that offer before and i don`t qualify for this XXXX 1- I had Amex card before and I NEVER REDEEMED any offers as the card was open for 1 week. 

2- i got the offer MAILED to my house with my name on it with an offer code after I applied, did hard pull on my CR and met min. spending requirement now they say you don`t qualify? 

I would like Amex to honor their advertised offer bearing in mind that i fulfilled their terms and conditions and I NEVER redeemed any bonus offers from them in the past

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (OH).
Issue: Struggling to pay mortgage

Complaint: I previously filed a complaint against Rushmore through CFPB Case Number XXXX. Rushmore closed the complaint out with a reply, but the reply does n't make sense and leaves all our issues unanswered. <P/>The following are in Rushmore 's own words under quotation that prove that they are not being straightforward : 1 ) The {$44000.00} .. is the amount comprised of thirty-one past due principal payments. ; This amount would need to be added to the current unpaid principal. Obviously, if you add principal payments on top of unpaid principal then you are trying to collect principal twice.
<P/>
2 ) Rushmore advised you that the investor did not approve a modification outright ; Rushmore is unable to provide you with a breakdown of the modification terms because it has not yet been underwritten.. If these are true then we need to wait till the modification review is complete and the modification is definite. Why are you asking me to pay money upfront on a trial stipulation that will not prevent foreclosure? What will so suddenly change after the trial payments? I clearly see this as an attempt to collect money and still force foreclosure.
<P/>
3 ) Rushmore has acted in good faith and is in full compliance with all modification regulations ; At this time, the loan is still in modification review status. How can you be in compliance and still be in modification review status?
<P/>
I need clear written answers to above so Rushmore and I are on the same page with regards to this modification.
<P/>
4 ) IMMEDIATELY : Rushmore needs to immediately send us the check for {$1600.00} so that the roofing contractor can be satisfied. If the roofer puts in a mechanics lien which he is now entitled to put ; the entire modification process will be compromised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Mortgage (FHA mortgage) with NETWORK CAPITAL FUNDING CORP (CA).
Issue: Credit decision / Underwriting

Complaint: Hello, Back in XXXX of 2016 I attempted a Mortgage Refianance .The company I delt with locked in a low rate and documented this. There were a few issues the company was awhere of scince day XXXX. The rate was changed twice, the last change was a few hours before signing stateing issues they knew about from day XXXX, rate went from XXXX to XXXX +. Is this leagle when they locked the rate in? And had me sign loan disclosure docks? I of course did not sign after this, but the time waisted costed me a decent interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Credit card () with PNC Bank N.A. (PA).
Issue: Delinquent account

Complaint: Constant phone calls about a late credit card payment

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 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: Was not notified of investigation status or results

Complaint: RE : File # XXXX I 'm complaining because Transunion have failed to comply with, furthermore wilfully ignored, my request to provide me with the documents that their company have on file that was used to verify the accounts that I disputed in writing back in XX/XX/XXXX. On XX/XX/XXXX, I sent them a dispute letter requesting that they verify all data for the disputed accounts and 40+ days later I have yet to receive anything of the sort. Because it is well past the 30 days permitted by law, and they are unable to verify the accounts, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. <P/>I ask that you resolve this matter with urgency as my character is being defamed by their wilful non-compliance with the FCRA. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On XXXX/XXXX/2015, I filed a complaint with CFPB against Equifax ( RE : XXXX balance of {$11000.00} ) The dispute # XXXX. 
On XXXX/XXXX/2015, I received confirmation that Equifax agreed and complied to my resolution request to change the XXXX balance owed to {$0.00}. ( XXXX ). 
But, within 2 months, Equifax changed the balance back to the original amount. So, I filed a dispute on their action to report the original balance. to no avail! Equifax apparently is not going to honor the resolution they agreed to. 
I am submitting the CFPB complaint, Equifax response, Equifax dispute results ( XXXX ) and credit report info ( XXXX ) - all reflecting dates and balances. 
I am asking for any assistance you can give to help me resolve this situation, again! 
As, XXXX Bank chose to file a XXXX, cancellation of debt - I am no longer liable for this debt. 
So, I am asking that Equifax permanently delete, not only, the balance of {$11000.00}, but, also, permanently delete the XXXX Bank account from my credit report. 
" and not add it back on in a few months! '' Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax has failed to accurately update the CURRENT STATUS of paid accounts as PAID. I have attached a portion of my equifax report to show the issue with SEVEN accounts by 3 different creditors. Each of the creditors has indicated the account is paid in full, but Equifax only indicates that in the comments and fails to indicates paid under current status. This results in a lower credit score and results in statutory damages that are ongoing. <P/>For each of the seven accounts, the balance is XXXX and there is a comment showing paid. However, the CURRENT STATUS remains 'Charge-Off '. <P/>I have previously asked Equifax to fix this simple, obvious issue. They point to the creditors needing to fix it but I have discussed this with the creditors who state they are reporting the accounts as Paid in full for less than the full balance. It is Equifax who is only showing this in comments and failing to change current status. These same creditors who report to XXXX and XXXX show the same accounts as PAID. <P/>The accounts can not be paid AND a charge-off at the same time! Under the FCRA, Equifax can either show my current status on the accounts as Paid, Paid - Was a Charge Off, or it MUST delete the accounts. <P/>My understanding is that Equifax is SYSTEMATICALLY FAILING to indicate the current status as PAID when creditors update the accounts as Paid in Full. Each of the accounts on my attached and annotated Equifax credit report CLEARLY indicates they are paid and Current Status must match. No consultation with the creditors is needed in this matter, as the creditors have each correctly updated the status as PAID. <P/>Equifax erroneously shows the current status as Charge Off while showing Paid in the comments. <P/>This erroneous, systematic reporting of my accounts as current Charge-Off status lowers my FICO score and damages me financially, since my credit offers are reduced and interest rates are increased from the lower score due. <P/>Further the CFPB should inquire with Equifax to learn whether this is happening systematically to ALL consumers who pay charge-off accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (DE).
Issue: Trouble during payment process

Complaint: I was approved by this company for a HAMP & mortgage assumption. I am XXXX years of age. This is what happened. I was faithfully making my payments on time and suddenly, my monthly payments started coming back to me. I was sent a letter and was told that my modification agreement was not properly notarized. I set out to get the proper notarization completed with the assistance of my housing counselor. All while this was going on, the continued to send back a total of three monthly payments, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX and I did not send XX/XX/XXXX because I knew it would be sent back. All while this had happened I was going through health issues, I have XXXX XXXX XXXX XXXX XXXX and at the time I was XXXX XXXX XXXX. I am back on me fee but with the assistance of a XXXX. I went through mediation, and to make a long story short, the mediation was entered into a final which means, the lender took away my modification agreement and mortgage assumption. They said they wanted a lump sum payment, I had a certain amount to send them but I did not have the reinstatement amount they said I owed. I just want to say I feel this was not all of my fault because, when they said the medication agreement was wrong, they started sending back my payments and if only they had just kept the payments and placed them in reserve until I was able to get the correction done on my agreement. All would be fine and I would not be in this situation. I am XXXX years old, I have no where else to go, I have no family, I do n't have anything but my home. I am holding {$4000.00}. My counselor assisted me for a long time in finally getting the assumption approved and the loan modified and just when I thought I am going to be ok, this happened. This lender will tell you they made attempts to notify me and that may had been what happened but I was not in good health and still trying to regain my strenghth, I was in the hospital almost a month, it was a horrible time. All of the money they sent back they wanted back in a lump sum. And now my home is up for foreclosure, judgement has been entered and I do not know what else to do. I am scared.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Other debt) with NCC Business Services, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The collection agency NCC Business Services is claiming they do not provide receipt of payment. I need receipt of payment to ensure that they are applying my paid funds appropriately. Also, I need proof of payment to ensure that once paid off, it will be reflected properly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have numerous dates from  XXXX   XXXX  until  XXXX   XXXX  to resolve a  XXXX   XXXX   XXXX   XXXX  account inaccurately reported on my Transunion and   XXXX    XXXX  Reports. The issue has been fixed on my  XXXX   XXXX    C redit Report. I recently received a letter from  XXXX   XXXX   XXXX   XXXX  that I did not initiate. I am enclosing a letter to CFPB and additional enclosures of proof.  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX  and Last letter  XXXX   XXXX ,  XXXX  have sent dispute letters. Two letters were returned addressed to Transunion, therefore I sent out last letters via certified mail.

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