milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I recently received a copy of my credit report and I noticed a debt that doesnt belong to me. In XXXX 2017 I sent the collections agency a letter asking for debt validation. I never received anything back from the agency and again I sent another letter asking for proof of said debt and still nothing. This debt is not mine and its affecting my credit scores and I have tried to reach out to the agency many times with no success

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of identity theft. I have faxed in my police report and they removed inquiries but some was n't removed and also allowing somebody to keep running my credit causing me to get more hard inquiries on my Credit Report. The dates listed below are inquiries that needs to be deleted and I also requested nothing be ran on my report without my consent. XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/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 non-monetary relief
Consumer complaint received 02-03-2016 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Money was taken from my escrow on XXXX XXXX for taxes due XXXX XXXX. On XXXX XXXX received notice from city the taxes were not paid. Contacted mortgage company XXXX XXXX was told check was sent. Request proof be sent to city. City never received. On XXXX XXXX money was again taken from my escrow to pay for city taxes. Request the second disbursement taken from my account be returned to escrow.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-06-2015 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (NY).
Issue: Shopping for a loan or lease

Complaint: I WAS IN THE MARKET FOR A SPECIFIC HONDA ACCORD COUPE. I WENT TO XXXX XXXX HONDA, AND SPOKE WITH XXXX XXXX XXXX, A SALES PERSON THAT I HAD DEALT WITH PREVIOUSLY. I ASKED HER IF SHE HAD THE VEHICLE I WANTED, SHE SAID YES. I ASKED FOR THE COST AND SHE REPLIED THAT SHE HAD TO ASK HER MANAGER XXXX XXXX. WHEN SHE RETURNED SHE STATED THE THE COST OF THE CAR WAS $ XXXX. I THEN ASKED HER WHY WAS IT SO HIGH AS I HAD RESEARCHED THE CAR, AND THE MOST THEY WERE ASKING FOR THE CAR FROM XXXX, AND THE BEST PRICE, WAS {$31000.00}, IF I 'M NOT MISTAKEN. I THEN ASKED HER IF THAT WAS THE BEST THEY COULD DO, AND AGAIN SHE HAD TO SPEAK WITH HER MANAGER. AFTER AROUND 15 MINUTES, SHE RETURNED AND TOLD ME THAT THEY WERE DISCOUNTING THE CAR BY {$990.00}. I ASKED HER IF THAT WAS THE BEST THEY COULD DO, SHE REPLIED YES, THE CAR IS IN GREAT DEMAND, AND WELL, NEED I SAY MORE. I ASKED IF I COULD SEE THE CAR, SHE REPLIED THAT THE CAR HAD BEEN MOVED, SO THAT NO ONE COULD SEE IT. I TOOK IT AT FACE VALUE. SO WE STARTED WITH THE TRANSACTION. NOW I HAD A DRAFT FROM THE XXXX XXXX XXXX XXXX, FOR THE BALANCE OF NEW CAR AFTER THE TRADE IN. THEY EVEN REQUESTED ASSURANCE THAT THEY WOULD GET THE LEAN RELEASE FROM THE XXXX, WHICH XXXX FAXED TO THEM, TWICE. BUT THEY STILL WOULD N'T RELEASE THE NEW CAR. WHEN ALL THE TRANSACTIONS WERE DONE, THEN THEY TOLD ME I COULD PICK UP THE CAR. WHEN I ARRIVED HOME, I WAS REVISING BY PAPERWORK, AND TO MY AMAZEMENT, THE MSRP ON THE VEHICLE WAS, {$33000.00}. WELL AS YOU CAN IMAGINE I WAS HIGHLY UPSET. I DID N'T CONTACT XXXX XXXX, THE NEXT DAY TUESDAY BECAUSE SHE WAS OFF. BUT I DID SEND HER AN E-MAIL EXPLAINING HOW I FELT, THAT ACTION I WOULD TAKE IF THEY DID N'T MAKE THE SITUATION RIGHT WITH ME. I FELT LIKE A COMPLETE IDIOT. HOW I LET THESE PEOPLE TOTALLY DISRESPECT AND HUMILIATE ME. I SERVED MY COUNTRY IN THE XXXX XXXX XXXX, FOR 20 YEARS, I 'M ALSO XXXX, AND THEY STILL SAW TO TAKE ADVANTAGE OF ME. WHEN I FINALLY SPOKE TO XXXX XXXX SHE TOLD ME THAT THEY HAD TO RAISE THE PRICE BECAUSE THE CAR WAS IN GREAT DEMAND, AT WHICH TIME I POLITELY HUNG UP THE PHONE. WHAT I REQUESTED FROM THEM TO MAKE IT RIGHT, WAS TO GIVE ME THE CAR AT COST, BECAUSE OF THEIR DECEPTIVE PRACTICES. FOR THEM TO RETURN THE DIFFERENCE BACK TO XXXX, WITH AN APOLOGY. AFTER THIS I RESEARCHED THEIR HISTORY, AND TO MY AMAZEMENT, THERE WAS ACTION TAKEN BEFORE ON THIS DEALER FROM THE ATTORNEY GENERAL 'S OFFICE, WHO I WILL ALSO SUBMIT MY COMPLAINT. I JUST WANT TO MAKE SURE THAT THEY DO N'T TAKE ADVANTAGE OF ANY ONE ELSE. THEY ARE A BUSY DEALERSHIP, I WONDER HOW MANY OTHER PEOPLE THEY HAVE DECEIVED. YOUR HELP IN THIS MATTER IS GREATLY APPRECIATED. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX should be deleted on my file and still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Debt collection (Credit card) with ATG Credit, LLC (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Atg collection agency has re-aged a debt. The original account is set to fall off my credit reports by XXXX. Atg has the removal date as XXXX. They have filed a date of first delinquency as nearly a year later than the actual date. I have filed XXXX disputes with XXXX and each time they falsely verified the information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Mortgage (VA mortgage) with PLANET HOME LENDING, LLC (NC).
Issue: Struggling to pay mortgage

Complaint: I inherited my sister 's house, and took up payments on the Mortage from Planet Home Lending. The very first time I contacted them, they tried to refuse my payment and kept saying they were going to foreclose. It was only after I said I 'd report them that they agreed to accept a payment.
Time went by and I made another payment which was rejected by my bank for insufficient funds but I did not know it even happened. Planet Home Lending never contacted me to say the money was rejected. 
I got behind on payments, then in XXXX I got a letter saying I was in a 45 PRE foreclosure. The letter was dated XX/XX/XXXX. 
As I read down on the letter, it said PAST DUE AMOUNT {$2200.00} Representing payments from XX/XX/XXXX to XX/XX/XXXX. I got that letter on XX/XX/XXXX!!! They also added Late Charge of {$8.00} Bad check fee of {$25.00} and something called XXXX XXXX. {$42.00} I raised most of the money and contacted them to try and make a payment, but they refused and said I was in FULL foreclosure, they also denied that they sent the letter to me. I went to a bank and had the letter witnessed and notarized on XX/XX/XXXX Today!!! 3 Assistant managers witnessed the document, and they all said the same thing. How can you be owing a late payment on XXXX and XXXX when the letter was only sent out in XXXX?. 
I called them again and again only to be told that the house was in foreclosure, but I was required to pay them the money I had on hand. 
I retained the original with the XXXX XXXX from the bank ( XXXX ) seal on it.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: EXPERIAN COMPLAINT : Complaint regarding dispute sent to Experian regarding inaccurate status reporting on XXXX XXXX XXXX XXXX real estate account. 

1 ) Failure to review documented evidence to support the dispute claim which proved the account was never late during the disputed time period. 
2 ) Failure to respond to second dispute letter. 
3 ) Failure to record that the account was in dispute on the credit report within 30 days. 

Two Dispute letters were sent certified return receipt received XXXX XXXX, XXXX and XXXX XXXX, XXXX. 
The following documentation was provided with the dispute indicating XXXX incorrect 30 day late payment status marks on my credit report : Copies of the XXXX Canceled Checks ( see the schedule of due date and canceled checks below ) Copy of driver 's license for identity purposes. 

Experian reported 30 days late from XXXX XXXX Payment Due Date Date Check Posted Check # Amount Due Check Amount Paid XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$670.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$660.00} {$660.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} Total : XXXX {$9600.00} {$9700.00} Response : The response I received from the first dispute letter Experian was that the status was " verified '' by the creditor and would remain on my credit report. A response was never received to date from the second dispute letter received XXXX XXXX, XXXX. Experian never posted a statement on my credit report as in dispute as they are required to do within 30 days therefore violating FCRA 623 ( a ) ( c ). 

Impact : Inability to FHA streamline refinance for 13 months- cost in excess interest paid ( {$9100.00} ) Denial of Credit due to inaccurate delinquency reported. 

Resolution Requested : Experian reported 30 days late from XXXX XXXX changed to a status of OK. 

Support Documentation Uploaded : XXXX Canceled Checks as listed above Dispute letters sent certified return receipt Time stamped copies of Experian Credit Report Experian Response to Letter # 1.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Making/receiving payments, sending money

Complaint: Bank of America refuses to refund {$40.00} in fees I paid for checks that turned out to be invalid for the purpose the bank promised. I needed certified checks valid for one year. I asked Bank of America if its certified checks were valid for this duration and was assured that such checks issued by Bank of America were valid for three years despite the 90-day expiration date printed on each check. I paid {$40.00} for XXXX certified checks, or {$10.00} per check. The checks were rejected because the recipient has previously been unable to deposit Bank of America 's certified checks beyond the 90-day expiration date. When I returned to Bank of America, the manager was able to refund the value of the checks but told me that, due to " technical reasons, '' she could not refund the additional {$40.00} in fees. Nobody from the bank can seem to figure out how to refund the cost of the checks. Bank of America should ( 1 ) stop providing conflicting information about when its checks expire ; and ( 2 ) issue a refund for the {$40.00} I paid in reliance on the bank 's faulty advice/product.

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 07/13/2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filling this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verifty the accounts i disputed.Being that they have gone pastthe 30 day mark and can not verifiy these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to -- -promptly delete all information which can not be verified.that i have desputed.Please resolve this manner as soon as possible.Thank yoi.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: JPMorgan Chase ( " Chase '' ) is over-reaching their ability to capture tax escrow funds by accelerating the City of XXXX property tax due date by 2 months or more since the tax due dates are not due for year 2017. After contacting Chase about the revised escrow disclosure their escrow department was unable to provide proof of when City of XXXX property taxes are due for year 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I respectfully requested that your office provided me with competent evidence that I have any legal obligation to pay you ( Macys ) regarding account # XXXX. This was NOT a request for verification or proof of my mailing address, statements of the alleged account, or summary of when the alleged account was open, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b )  of the FDCPA. Now, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.

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 10/18/2017 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (NJ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I paid this account off through XXXX XXXX and it is still not updated as paid. I am in the process of purchasing a home and this is holding me back form getting approved. I have called several times and no one has been helpful in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Corp Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am tired of being threatened by these dishonest, and deceitful collection companies. They keep calling me and sending mail stating they have sold my accounts. I do not have an account with these companies. Please help! They have the wrong XXXX XXXX XXXX. Please help me. I am a Veteran, and XXXX XXXX XXXX XXXX. They have caused me to be disqualified with my V. A. Loan that I rightly deserve, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Loan servicing, payments, escrow account

Complaint: My payments of {$780.00} are due on the first of every month with Bank of America. My husband I split the payments of {$400.00} each from his XXXX account and my XXXX account. BoA will post one of the payments of {$400.00} but rarely posts the other payment of {$400.00} and places those funds into a Partial Balance account. I have to fight with BoA either with phone calls to which I am on hold for over an hour or via social media for them to credit my payments correctly.

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 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: I disputed a collection on my Equifax credit report over 60 days ago, and for Equifax to provide a Reasonable Investigation and Account-Level Documentation for debt collector XXXX XXXX XXXX XXXX XXXX allege debt of {$300.00}. In addition to my dispute I requested Equifax to provide original purchase contract and verify the following on the original purchase contract : Name, Address, Phone Number, Date of Birth, and Signature. Equifax did not provide original purchase contract or Validation of Debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA that Im legally obligated to pay this allege debt. Equifax failed to uphold 15 U.S. Code 1681s-2 and fraudulently stated this debt meets FCRA requirements. Equifax willfully and knowingly executed non-compliance as per FDCPA 807. False or misleading representations 15 USC 1962e.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Debt collection (Other debt) with Allied Collection Services, Inc. (Nevada) (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The payment was made with the agreement the collection was to be deleted with payment. Instead, the item was only updated to paid in full. I am requesting to please removed from the credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We moved out of XXXX XXXX XXXX XXXX, XXXX XXXX Illinois on XX/XX/XXXX. The house was officially foreclosed by XXXX XXXX Bank on XXXX. XXXX illinois is trying to collect money from us in the amount of {$2700.00} for service date of XX/XX/XXXX and has reported us to equifax. We have made several attempts to get this charge removed from equifax but equifax refuses to verify the date of service from XXXX Illinois and will not remove this collection account from our credit report. We are hoping that you might be able to help us with this matter. XXXX illinois should not have waited 6 years to report this to XXXX ; furthermore, XXXX should be pursuing this collection from XXXX XXXX bank and not us. Thank-you for your time in looking into this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Consumer Loan (Vehicle loan) with VW Credit (WI).
Issue: Managing the loan or lease

Complaint: My XXXX was " bought back '' as part of the XXXX Settlement on XX/XX/2017. The loan payoff amount was not accurately calculated, which resulted in a loan overpayment of {$1700.00}. Instead of these funds being distributed, they are being held for a month.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On Thursday XXXX XXXX I had went to a car dealership that I wanted to buy a car from. I advised them that I only wanted my credit ran once being that I am in a process of buying a home. The man by the name of XXXX XXXX that works for XXXX XXXX XXXX advised me it will only be ran once. The very next morning that I woke I saw my credit was ran 6 times which is unfair to me as a consumer because I was never advised that my credit will be ran 6 times. I need to know what steps I need to take to correct this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Other

Complaint: i applied and was approved for a capital one secured credit card XX/XX/XXXX. I cancelled this card a few months ago, around XX/XX/XXXX XX/XX/XXXX, They informed me i would receive the {$300.00} back unless there was an outstanding balance. They indicated to me that I would receive a check for aprox. {$85.00}. Because of the outstanding balance. I never received a check so contacted them today XXXX/XXXX/XXXX. Now they are telling me that i was only getting {$150.00}. of the {$300.00} back. My complaint is I was informed that I would receive the {$300.00} back from my security deposit, now they are stating the the other {$150.00} is for other fees, of which I have no idea what they are talking about. I feel they owe me {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The company  Commonwealth Financial  ;   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , PA  XXXX  has listed  six  collections in the amount of : {$92.00} ; {$270.00} ; {$470.00} ; {$210.00} ; {$210.00} ; {$210.00} on my credit report. Please be advised that I am disputing these collections due to the fact that  Commonwealth Financial  does not currently have a valid license in Florida to collect on debts. This is information, according to the Florida  Office of Financial Regulation ;   XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX . It states that their license is " REVOKED/VOIDED.

Company response to consumer: Closed with explanation