milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/29/2017 about Debt collection (Medical) with GOLD KEY CREDIT, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I just requested a copy of my credit report to verify how everything looks as I am planning on changing my vehicle and noticed my credit score dropped more than XXXX points. I am completely frustrated and concerned about this situation. My credit report reflects XXXX collections and I have NEVER received a notification on any of them. This Collections company never executed XXXX. Validation of debts per it is required by the FTC. 
the Collections Companies are : 1 ) GOLD KEY CREDIT INC ; and 2 ) XXXX XXXX XXXX XXXX I must report a predatory action coming from this companies as I understand they are perfectly aware of this 30-day. I have excellent credit, no late payments in more than 6 yrs and now I have this companies doing this illegal action. 

I need this items to be removed from my credit report and also need evidence of what is this collections for.

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 06-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SUNTRUST BANKS, INC. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I had a dispute it was resolv ed Suntrust sent m e a letter to that and asked if I wanted the paperwork they have used so I could look at it.   That wa s 2 weeks ago and I have called 10 times  (  XXXX   XXXX   XXXX   ) I h ave been lied to, hung up on and been treated terribly I am ready to go postal on these people they do n't give a  XXXX  about anybody, They need to be put down. My local offi ce (   XXXX  FL ) was useless..The lady I talked with to day told me they had to request the paperwork. Now another 7 days I have to wait. Another problem I think happened they stalled me since  XXXX    XXXX   to resolve this. and they did n't post it on my online account.     lies and corruption from this bank and it needs to stop. You can only call  XXXX  number and the customer service  XXXX . They no nothing even If they   XXXX   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 11-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have written, called the collection agencies requesting verification of this " debt they are reporting on my credit bureaus as belonging to me '' But, they keep giving me the round around and can not provide me with proof of the authenticity of this debt. I have already written, called, to no avail. I'v requested verification of this account confirming that is my debt or they need to remove this collection account from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (VA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied for a credit card and I was told it was under review. I called the company and was informed by a staff that all I needed was to retake the application and send in a copy of my bank statement and social security card. This was to verify my address and my social. He told me that was all I needed and then I will be approved for XXXX. I submitted the items as he told me. Yet I received a letter saying I was turned down because they could not verify my information. I asked what they could not verify as I had submitted the documents they asked for. I was told they were not COMFORTABLE with my application. I feel this is very discriminatory because I have a XXXX origin. However, I am a US citizen and should be treated fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have made numerous attempts to TransUnion to have the account XXXX XXXX XXXX ( account # XXXX ) removed from my credit report, and each time, I have been informed, this account has been verified, and there is no change to my report, in other words, the negative information will remain. I have also made numerous attempts to contact XXXX XXXX XXXX ( certified return receipt XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX class mail and telephonically ), and I have yet to receive any response in any form of communication from this company. I find it remarkable, TransUnion is able to gain verifiable, satisfactory and legal communication with XXXX XXXX XXXX, and I the person they claim has the debt, can not. 
According to the Federal Credit Reporting Act, TransUnion has a responsibility to report accurate information. It has been and continues to be my position that TransUnion is reporting inaccurate information. I have also sent you ( TransUnion ) several letters ( certified return receipt, first class mail and facsimile ) asking for your methods of verification and you have failed to respond. 
According to paperwork received from XXXX XXXX XXXX XXXX account # XXXX XXXX they are a debt collection agency, who purchased the account from XXXX XXXX XXXX the original owner of the debt ). Based on my TU credit report, XXXX XXXX is no longer reporting the debt because I did not owe the debt, and the delinquency date had expired, however TU has allowed the collection agency to continue reporting the debt and the debt has become extended passed the original delinquency date. 
I have also written via XXXX class mail, certified receipts ( which I can provide tracking numbers and signatures upon request ), and facsimile, asking TU to provide me with their method of validation, to which I have received no response. 
I would like TransUnion to discontinue reporting erroneous information on my credit report, and remove the account XXXX XXXX XXXX immediately. I would also would like to know their method of verification as outlined in the attached letters. I am attaching XXXX XXXX XXXX XXXX letters XXXX of which were received by TransUnion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Mortgage (FHA mortgage) with TIAA, FSB (TX).
Issue: Loan servicing, payments, escrow account

Complaint: .Re : Everhome/Bank Mortgage This notice is intended to support the dispute regarding Everhome Mortgage. The disputed information is regarding the 120 days late posting. The late posting was the result of Everhome. Despite attaining a buyer XX/XX/XXXX, Everhome delayed closing until XX/XX/XXXX. During this time, I was informed that payments were not to be made during acceptance of a Short Sale. Post the short sale, I realize that the home was listed as a foreclosure and contacted Everhome numerous times, without resolve. 
The home has been reported as a Foreclosure for seven years on all credit bureaus. Everhome mortgage never provided documents that would accompany 4 months of default. The below noted documents were not received : A verbal of written notice of default A foreclosure was not filed per county proceedings A " Judicial order '' or " Power of sale '' notice was not received Presently, I have been informed of the OCC investigation with Everhome. Despite their posting of foreclosure in 2010. I was not contacted in accordance with the stipulations of the resolve to homeowners who were in any phase of the foreclosure process during XX/XX/XXXX-XX/XX/XXXX. I have recently contacted Everhome, it has been one month since my call and they have not resolved the situation. The representative that I originally spoke to presented facts that suggest that a foreclosure was done behind my back and that the short sale was not performed. However, I contacted the XXXX County Clerk and they have provided evidence of the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Credit card () with FIRST NATIONAL BANK OF OMAHA (TX).
Issue: Credit determination

Complaint: I applied for a credit card as well as a mortgage loan and was turn down when at that time when I applied for a mortgage with a XXXX XXXX and I was turn down and now a simple credit card I was turn down all because I think of my race all because I 'm a XXXX man who work XXXX jobs and no criminal back ground and a honest paying tax payer so how in the XXXX I do n't get approve shaking my head on this matter ... ..I think I need to sue everyone that 's involved in this set back

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Firstly I had not been receiving any mail on making payments to my federal loans to my loan servicer Great Lakes, despite it reflecting I have selected the postal option. Then one day I receive a letter from them, ' you are {$1.00}, xxx behind on your payments, you must pay this off and continue your payment plan. You should also go into forbearance if you can not pay this. Turns out they were sending all these emails to an old email I had used for school and had not been aware of to whom and how much my monthly payments would be for my federal student loans. I replied to the email and went into forbearance this past month. Since that month that I had logged into my account and requested forbearance, I recall the unpaid principal being about {$30000.00}. I log in today to find the principal to be {$34000.00}. I understand that loans still gather interest in forbearance but this seems a little ridiculous. I did some research on other people that had Great Lakes as their servicer and found that many people experience unknown fluctuations in their principal. This makes me very unsettled when this is who I 'll need to deal with for many years in repaying my loans. I 'd like to get back on track and will be filing my taxes soon to apply for an income based repayment plan, because Great lakes is expecting me to pay about 20 % of my income. I was hoping to seek some guidance in dealing with my servicer, as well as bringing to light the issues myself and many other students are experiencing.

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 06/17/2016 about Student loan (Non-federal student loan) with Patenaude & Felix APC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am filing a complaint against a debt collector PATENAUDE & FELIX, A.P.C. 
This company is harassing me for a debt that has an expired statute of limitation. 
They have sent me a summons to appear in court. 
Attorney At Law : XXXX XXXX XXXX : XXXX Ex XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have contacted the company and resolved the owed debt with promise that the item would be removed from my all XXXX credit reports and it is still reporting.

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 11/16/2017 about Debt collection (Other debt) with EOS Holdings, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had an overdue account with XXXX. The debt was sold to a company named EOS CCA who sent me paper mail and the debt was paid. The debt was {$500.00}. The debt was paid in full although I do remember thinking their form of payment was a bit odd as it was basically a cash transaction. On XXXX/XXXX/2017 I received an email from XXXX informing me there was a change in my credit report and as of logging in and looking at it I found it was a very significant drop due to EOS CCA reporting me for collections. I was never contacted by the company in any form. I did research and found that I was one of very many people scammed by this company and it 's fraudulent acts of business.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit card or prepaid card (Store credit card) with WELLS FARGO & COMPANY (IL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XX/XX/XXXX, I opened a Weekends Only credit card provided through Wells Fargo Financial National Bank to receive no interest if paid in full with payments. The promotion was set to expire on XX/XX/XXXX. On XX/XX/XXXX, I scheduled a payment to process on XX/XX/XXXX for {$680.00}. This was to pay off the balance and avoid the deferred interest. On XX/XX/XXXX, only {$40.00}, the minimum payment, was posted to my account. On XX/XX/XXXX, {$320.00} was charged to my account as deferred interest. On XX/XX/XXXX, I contacted Wells Fargo Financial National Bank regarding the incorrect payment being applied on XX/XX/XXXX that was different from what I had requested. Wells Fargo Financial National Bank informed me that the terms of the promotion were not met, so they could not do anything about it. I stated that I wanted to pay the balance immediately, as I had requested previously, and have the interest taken off my account. I was informed they would not remove the interest, even if the error was their fault. They provided no solution and repeatedly informed me that they would not do anything to correct the issue.

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 11-01-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Closing on a mortgage

Complaint: My mortgage refinancing company XXXX XXXX XXXX has requested an original Stock & Lease certificate from my existing mortgage owner " XXXX XXXX '' ( this is the bank name ). The request was made on XXXX, and the bank has still not provided over 45 days later. Meanwhile, it 's costing me hundreds of dollars to extend the interest rates I was approved for on the refinance. When I reached out to customer support, they told me to resubmit my request and wait 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Debt collection (Medical) with Benuck & Rainey, Inc. (NH).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I contact the collection agency to resolve an unpaid collection account that was on my credit bureau. I was told that the account would be shown as paid in full and i would have a letter faxed that would confirm the paid in full status along with removal from my credit bureau. I was instructed to send in a letter authorizing them to release this information via fax which i did. After days of not receiving the letter i called back to get the letter sent, and i was informed by the representative i will not be getting that letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Student loan (Private student loan) with DISCOVER BANK (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I write to complain about the debt collection conduct of  XXXX , Discover Bank, and  XXXX  loan servicing. I owe about {$30000.00} on a private student loan I took out with  XXXX  to attend   XXXX   XXXX   in   XXXX   XXXX    XXXX . I graduated in  XXXX , and was working in the   XXXX   XXXX   XXXX   XXXX   XXXX   position when I injured my  XXXX . The injury occ urred two years ago , and as a result I had to stop working. I got  XXXX , and, only now have been able to start looking for a job. I have used up my savings as well as the financial good will of my friends and family to maintain payments on these loans. As of  XXXX   XXXX , I no longer can pay the loans.  <P/> I called  XXXX  well before  XXXX   XXXX -  XXXX   and advised them of that i was running out of savings and income and that i would need some sort of accommodation until i could find work.  XXXX  told me I was  only entitled to 12 months of forbearance and that I had already used that up sometime during the 9 or 10 ye ars that I have been in repayment.  XXXX  began calling me in  XXXX , telling me i was late on my payment. Every time they called I explained my hand problem and how it stopped me from working and that I had used up my savings.  XXXX  then transferred the case to a new servicer,  XXXX .  XXXX  began calling on  XXXX   XXXX ,  XXXX , demanding that I make payments. I continued to explain my financial situation, and asked if there were any options to help. The answer was no.  XXXX  has since called relentlessly, sometimes several times a day, telling me this isnt a debt you can ignore, and threatening to report me to the credit agency.  <P/> I have similar problems repaying loans held by Discover bank .. Discover gav e me one-month forbearance for  XXXX , but says I must make  six more months of payments before I can access the remaining 3 months of forbearance. This is not possi ble.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The XXXX XXXX tax lien is incorrect. 

I have attached a screenshot from XXXX XXXX XXXX XXXXXXXX that states I do not have an outstanding lien. 

I have sent several letter to XXXX, Equifax and XXXX  Credit Bureaus. Stating that this XXXX XXXX is incorrect. 



XXXX Equifax XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/22/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Dear SPS, Please respond to actual question regarding regarding payments NOT applied to account. 
Confirm Debt is due by who is investor, and provide original creditor documents. 
Provide evidence payments were applied in XX/XX/XXXX to account - payments XXXX Select Portfolio Servicing received account XX/XX/XXXX. I am disputing the debt. 



KEEP FOCUS ON DEBT OWED ETC. NO OTHER MATTER AS THE REQUEST IS NOT RELATED TO KYHC AT THIS TIME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was stolen, among millions of others, in the recent " leak. ''

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax removed the historical account and did not remove the historical late payments codes, they also state that the account is {$380.00} past due when it is not i have attached a statement. its clear they 're not verifying correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I send Enhanced Recovery Company a debt verification letter on XXXX XXXX, 2015. It is now XXXX XXXX, 2015 and I have yet to hear from them. I recently saw on my credit report that I had a collection from XXXX that they are handling. The amount is for {$450.00}. I do n't know when this debt was made and they wo n't give me any information as to how I owe this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2017 about Mortgage (Conventional home mortgage) with MCGLONE MORTGAGE COMPANY, INC. (NC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: This mortgage broker does not quote APR. I thought it was the LAW to quote APR
See the below email from XXXX XXXX XXXX XXXX



From: XXXX XXXX  
To: XXXX 
Sent: XXXX XXXX XXXX 2017, XXXX XXXX XXXX 
Subject: follow up 

XXXX,
 
Todays rate: 3.875
No Points
Lender Fee Discounted: XXXX  ( XXXX narmal) 55 day lock 3% down
Loan amount: XXXX 
Payment: XXXX Credit Score: XXXX
 
Sincerely,
 
XXXX XXXX (XXXX ID: XXXX)
Loan Originator/Sales Manager
 
 
 
  

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX 
(Company XXXX ID: XXXX)
 
Phone: XXXX
Fax: XXXX
Email: XXXX
Web Site: www.mcglonemtg.com
 
 
                 
 
********************************************************************
This e-mail is confidential. It may also be legally privileged. If you
are not the addressee you may not copy, forward, disclose or use any
part of it. If you have received this message in error, please delete 
it and all copies from your system and notify the sender immediately
by return e-mail.

Company response to consumer: Untimely response
Consumer complaint received 02/28/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I feel that I have been denied a loan modification because my husband, that has passed got behind. but for more than a year I have kept the mortgage up. They keep selling our loan. With this always a higher interest. I pay 8 to 10 thousand a year on interest alone. with only XXXX coming off each year. this will never get payed off. This is so unfair. I have tried to refi. but I have a chapter XXXX to pay up my bills from my husband. I just want a better rate to pay it up faster. the mortgage company says the don ' t do any in NY. but take my money. Help please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation