milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2017 about Debt collection (I do not know) with National Credit Systems,Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX 2017 I contacted National Credit Systems out of Georgia regarding a debt they claim I owe to an apartment complex. I spoke to several people there that used profane language and stated " it does not matter what I do, its not coming off my credit report until I pay '' They also stated they are not required to and do not have to provide me with the original creditors contact information to dispute after asking several people in their office. I have contacted the supposedly creditor using published phone numbers however they have no record of me owing them anything but also mentioned they are maybe the 6th owner in a few years. I also have an email referencing this. The collections company was made aware of this and still refuse to provide the creditors info so I can dispute. The paperwork that was sent to me came from XXXX XXXX XXXX XXXX XXXX XXXX however that 's not what is on my credit report and paperwork shows a XXXX balance however they are still going forth with collection efforts and no contact info for the original creditor. This has caused me not to be able to obtain residency and is forcing me to maintain current residency which I can no longer afford. If this is not resolved soon, I will be forced into a homeless situation.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX I wrote Shellpoint by USPS on XXXX/XXXX/XXXX about a lower APR on the XXXX XXXX XXXX property and they called me, but did not offer a lower rate. I wrote them again on XXXX/XXXX/XXXX about correcting the maturity date on the same property and received no phone or written reply : There has been an error in the maturity date of 30 years from XXXX of my two first mortgages. I live at XXXX XXXX and my son lives at XXXX XXXX. Please send me the following information for each of the two loans ( XXXX XXXX XXXX XXXX, OH XXXX account # XXXX and XXXX XXXX XXXX XXXX, Oh XXXX account # XXXX ) : The house my son lives in, account # XXXX, still has the original APR rate from the origination XXXX date and never received H.A.R.M. Since the terms and monthly payments did not change, the maturity date of XXXX should not have changed either. Why is the maturity date XXXX and I have already paid 11 years on this loan? 
The house I live in, account # XXXX, received a new APR through H.A.R.M. and the monthly payments did change. I thought the maturity date would be XXXX and not XXXX since I had already paid a significant amount on the mortgage since XXXX. 
I have been retired since XXXX. I am XXXX years old and my mortgages have the sharecropper effect of never being paid off. I do not want to pass away and never truly own my home nor leave my son debt strapped with mortgages. I purchased the XXXX XXXX XXXX home in XXXX with the original maturity date of XXXX. I purchased the XXXX home in XXXX by using my XXXX home. Please explain why the XXXX maturity dates of both homes did not maintain their original maturation date ( especially the XXXX home ). 
When will the errors in the maturity dates be adjusted ( especially the XXXX home since its APR, terms, and payments never changed from XXXX like the XXXX home changed in XXXX )?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (OK).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Rocket Mortgage / Quicken Loans created two separate loans, one as a purchase and one as a refinance, after I clicked an email specific to rates for refinances. I did not complete the online application process, and was redirected to the online chat. This was due to their computer system moving me into a purchase application from their link about refinance rates. I told the representative during the online chat that I was only interested in getting refinance rates, as I was at an airport and soon to board a flight. I ended the conversation after I was given a rates range. I was stunned when I received notice by mail that both my and my wife 's credit had been pulled. ThI never approved an application and neither did she. These events occurred on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 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: Public record information inaccurate

Complaint: I am holding a letter from bancruptcy court that they never reported to any of credit biro agency. i am willing to sue credit agency 's for reporting from a third party not the court it self.

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 01/19/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (OH).
Issue: Struggling to pay mortgage

Complaint: I submitted all of the information to surrender the property to the bank (JP Morgan Chase).X/X/2018 All information was sent to them at XXXXAmount owed on the property is $XXXX the owner XXXX XXXX. XXXX is in the XXXX XXXX XXXX and can not afford to pay the mortgage. I am serving as power of attorney and meet with the officers of the Bank and was informed that a surrendering letter along with Durable Power of attorney was needed to surrender the property along with proof of XXXX XXXX is  living in the XXXX XXXX.  They have not accepted the documents and keep stating they have not received them. I have emailed them and faxed them with the bank managers XXXX XXXX XXXX. The main person at Chase that is giving me the run around is XXXX XXXX XXXXXXXX XXXX XXXX the fax that he had me send the documents to was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Debt collection (Other debt) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Payment in full of account {$17000.00} submitted XXXX/XXXX/14. 

Company failed to process payment and subsequently falsely reported account as delinquent to credit reporting agencies, and continues to do so daily up through current date.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Debt collection (Auto) with ALLY FINANCIAL INC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I hired a law firm to help me with some issues on my credit report. There is currently an account that is showing on my credit report that is an auto repossession from XXXX and is still showing up as an unpaid and owed balance. This account is very old and has been hurting my credit and has been preventing me from opening any other accounts with any other company. My attorney has advised that this account is past the Statute of Limitations and should be updated to report no balance currently owed. My attorney stated that they are violating the Fair Debt Collection Practices Act because after the Statute of Limitations has passed they are no longer supposed to be reporting to the Credit Bureaus as an owed balance because it is a misrepresentation of debt. On XXXX my attorney 's office sent them a letter stating that this account is past the Statute of Limitations as of XXXX because she said that auto repossessions are 4 years. On XXXX my attorney 's office called to see what their response was to the letter to update this account, and they refused to acknowledge that the account is past the Statute of Limitations. They refused to acknowledge that they should update my account and would continue to report it to the Credit Bureaus as an unpaid balance. On XXXX my attorney 's office sent out another request stating that it should be updated and they have yet to respond.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America Home Loans is charging a {$6.00} surcharge for online payments, even though the payments are on time and not late.

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 03/31/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Dear CFPB, I wrote to you a few months ago about XXXX XXXX  who has been pestering me with pre-approved offers on credit cards for many months now - they are FILLING up my mail box with their half-scam product offers, and I called them so many times and they said they removed me from the list, but it just continued. I travel a lot, so often when I return home the mail box is so full of their envelopes that my actual mail and bills doesn't fit in the mail box anymore and is scattered underneath it. 

I have now received a letter from XXXX XXXX saying they have removed my name from the list ( but there were also two new ( undated ) promotional envelopes in the mail box, so I'm not sure I trust this ). 

However, the reason I'm contacting you now is that on top of my incredible frustrating experience with XXXX XXXX today my mailbox was filled to the brim with TEN envelopes offering me pre approved credit cards, not only from XXXX XXXX, but two NEW companies have started pestering me now too : XXXX XXXX and Citibank. I have called both to complain and have my name removed and while Citibank have now held me at a hold for 36 minutes ( still counting ), XXXX was somewhat helpful and informed me that they have gotten my information ( because I have never had anything to do with either one of these three banks, so it is even more insulting that they are spamming me to this degree! ) from one of the three credit bureaus ( XXXX   XXXX and/or XXXX ). They couldn't tell me which one specifically. 

Is there a way that you can PLEASE help me STOP these credit bureaus from sharing ( or selling? ) my personal information to all these credit card companies? I really feel so pestered and tired by this. Often their envelopes come with big red writing " URGENT RESPONSE NEEDED '' etc, and it's so uncomfortable. And most importantly it drowns my normal mail and packs up my mail box. I don't want these credit card offers in my mail box!

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 06/18/2015 about Debt collection (Credit card) with Second Round Limited Partnership (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX XXXX, 2015 I made a payment as agreed on an account that Second Round Collection Agency is collecting on, this is an old charged off debt from XXXX XXXX. The agreement was to make XXXX payments in the amount of {$75.00}. The first check was paid in order to start the process as indicated by the collection agent, XXXX. I made that payment as indicated by the check enclosed for verification. Each month I have made the {$75.00} payment and for the Month of XXXX I made the payment and also sent in an extra check, since I had more money put aside, in the amount of {$75.00}. I have a coupon book that was sent to me that shows the due date of each {$75.00} payment. I received a letter for the month of XXXX that they are going to draft out of my bank account, {$150.00} for the month of XXXX. This of course was not the original agreement and was NOT authorized by me. I called my contact at the collection agency today, XXXX, and she stated that when the negotiation was made at first in the month of XXXX, 2015, the agreement was to make {$75.00} payments bi-weekly. There is no agreement that was made with this company to make bi-weekly payments. My concern is that this company has not upheld it 's agreement and they are planning to withdraw funds from my bank account without my consent. In addition, the amount due as stated on my collection letter/balance is incorrect. This is a major concern for me as I have spoken with this company more than once to and even asked at XXXX time to receive verification of the debt and was told I did n't need XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Interstate LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I moved in XXXX 2015, cancelled XXXX and returned equipment. XXXX soon sent me a bill for {$280.00}. i tried talking with XXXX supervisors, etc., that nothing was owed. They finally sent it to the credit bureaus ( late 2015 ) and I filed a dispute. Credit bureaus found XXXX ' claim not valid and cleared it off my credit history. I thought we were done with this but last week I received another notice from Allied-interstate. I feel like I 'm being intimidated into paying them to just go away. I 'd like this to stop. I let them know during the investigation I knew that they could be sued for {$1000.00} if the harassment continued, and it did stop for 9 months, but here we go again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Midwest recovery systems placed a debt collection account on my report, I received no notice before hand in order to dispute. I've never received anything from this company and I never had a payday loan from the company they state it was with. I disputed the account on my credit report but it was of course verified by them. They have reported it as opening XX/XX/2017. I have not been provided with a single item showing I actually owe this debt yet they continue to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (Medical debt) with Debt Management Incorporated (NH).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: The collection agency, CRS ( aka Debt Management Inc. ) was sent a letter invoking FDCPA and told not to call my number and only contact me in writing. That note was sent on XXXX XXXX and, according to the representative I spoke to, received on XXXX XXXX. However, they contacted me AGAIN TWICE on XXXX XXXX.
I had my husband call as my representative and the gentleman named XXXX XXXX was extremely rude. He could not get a word in edge wise.

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 08/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We ended our lease with notice because of an attempted child napping by XXXX Ex Husband. Case # XXXX XXXX police provided panic buttons to us and the leasing office people. We had to stay for court and convict XXXX XXXX XXXX before we were free to leave the area. We decided to return to Oklahoma XXXX area. XXXX had a VPO in force against XXXX XXXX. 
XXXX and I decided to try buying instead of renting and were shocked to find XXXX had placed information on our credit reports that is FALSE, claiming we owe {$5900.00}!! There are XXXX Collection agencies putting false information on our reports so it is on 2 times!! The XXXX collectors are actually the same. They WERE XXXX XXXX XXXX and changed to Fair Collections and Outsourcing " FCO '' or XXXX XXXX XXXX. When FCO was contacted by the XXXX XXXX they added XXXX as a collector for XXXX XXXX because their address is here in Oklahoma XXXX. I have contacted XXXX XXXX and disputed the debt but the creditor shows the lease. Fact is, XXXX XXXX never returned out deposit!! So, they owe us {$1300.00} plus interest!!

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 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have 4 loans to the Departmrnt if Edication that are still showing on my credit reports and should be removed bc they have been paid in full via collection of debts from my federal tax returns. All 4 show closed with a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: Equifax continues to violate the FCRA by submitting unverified information to my credit file without my knowledge. I have recently had an unverified item deleted from my Equifax credit file and it was reinserted without my knowledge. The information still has not been validated or verified by Equifax, yet they have allowed a third party collection agency that is operating Illegally to submit this information to my file. The third party company XXXX XXXX XXXX is operating illegally because they are not licensed in the State of Texas as a Collection Agency. Despite all of these things Equifax, still reinserts the information to my file without my knowledge, and knowing that it has already been previously deleted for not being valid.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Debt collection (I do not know) with Turning Point Solutions LLC (ID).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Company called advanced capital solutions says i owe them and has said they would take me to court and have me arrest. But they still wont provide me in writing any validation. This has been going on for years now. It has started back up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-07-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had my credit pulled for house loan application. However the credit score was quite lower than expected especially since I use credit karma to somewhat monitor my credit. I am aware that there are going to be differences, but with XXXX and XXXX ( the ones XXXX uses, the gap was over XXXX points. ) XXXX had my score at XXXX about XXXX, XXXX around XXXX, the credit scores that were received my home finance were XXXX and XXXX respectively. I reviewed the reason for the " low '' score and found the reasons. 
1.derogatory public record or collection. 
I was in the hospital ( XXXX XXXX XXXX in XX/XX/XXXX ). After not receiving a bill I called and asked. I was informed that bill was payed and no payment due. I was surprised and queried if info was correct. I was assured that no payments are due. About 2 months later I received from a collection agency a notice that I owe about XXXX $ to XXXX. I immediately called XXXX and was told, that there were XXXX accounts for me and that they had made an error. I told them that I have now a collection agency chasing me down for their error. I called the collection service and paid the outstanding amount. That was over 5 years ago and clerical errors have kept my score low!!! 
2.length of time credit has been etablished. 
I have been living for over 20 years in the US. I have had house payments since XX/XX/XXXX, car payments since XX/XX/XXXX, electric, gas, tv, cell phone bills for over 15 years. Credit cards and what have you. How long doe they want me to have credit.?? 99 % of the time I pay my bills on time, that XXXX % I missed the due date which happens to the best of us. 
3.proportion of high credit on bank revolving. 
I have about XXXX $ in outstanding credit card bills, the total max/ credit limit on my cards is way over XXXX {$.00} that means I owe XXXX % of maximum credit limit, how can this be a high revolving proportion of balance. 
4. Recent inquiries. 
In our days nobody has the cash to buy house or car outright. I refinanced my home, to have lower payment and pay credit cards off, and purchased a car, 11 months ago .... I ca n't see how that is a high amount of inquiries. The reporting agencies love for us to open credit cards to see that you pay them and pay on time to show you are responsibly managing your money. But then you get punished for having an inquiry on your record/ score. 
I hope you can help me out and have the situation rectified. These agencies have so much control over ones life, it 's almost criminal. I can see where people have several collections, maxed out credit cards, unpaid bills, inquiring about credit every XXXX weeks that the score is low, but in my case it 's absolutely not the case. 
I appreciate your help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2017 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (LA).
Issue: Problems when you are unable to pay

Complaint: Due to a recent repossession in 2016 I should be no longer in debt to the finance company since vehicle was confiscated which means I am no longer in debt to finance company and should not be reporting negatively on all XXXX of my credit reports.

Company response to consumer: Closed with explanation