milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: The credit reporting agency refused to accurately report information about my credit worthiness and after asking for debt validation, updated address and employer, credit amounts, they have still not thoroughly completed their investigation but still reporting inaccuracy on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Account opening, closing, or management

Complaint: I keep trying to submit for a bank acct specifically with chase and a few others and this website keeps popping up as the reference to why i keep getting a denial. I had my identity stolen i have submitted information to all credit reporting agencies as well as companies the police reports and the result in filing a discharged bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (MI).
Issue: Making/receiving payments, sending money

Complaint: A request was made through customer service to stop an online payment scheduled from Chase Bank. 
The payment was stopped and the amount was credited to my account. I had informed the merchant that I am stopping the payment as I had already paid them and the merchant acknowledged the same. 
However the bank delivered the cheque to the merchant, and Chase customer service did not informed me that the bank will deliver a cheque to them irrespective of stop payment. The merchant submitted the cheque which was bounced and their bank charged them {$50.00}. 
I have to pay for it as my bank delivered the cheque. 
There is a flaw in the chase online payment as they should have informed me that cheque will be delivered and I could have communicated same to the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Collection Services, Inc. (Nevada) (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX continues to call daily. In XXXX of this year I was offered a settlement by said company to pay off a closed XXXX account. I took it and paid {$170.00}. This month they began calling stating that XXXX refused the settlement and I still owed the remaining balance. I stated to them that they need to refund what I paid and I will be happy to continue with the payment plan I was current on. Because by accepting payment and sending me a paid in full receipt debt was paid. Calls continue.

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 10-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Weber & Olcese, PLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, XXXX I was served a summons and complaint on a paid debt. The original debt was from a bank account with XXXX that was closed on XXXX/XXXX/XXXX. It was then transferred to Weber & Olcese for collection. On XXXX XXXX, XXXX I XXXX XXXX XXXX called Weber & Olcese to settle the account. I paid the settlement offer of XXXX offered to settle the account. I paid the account through a personal credit card for XXXX. I received a letter stating the account was settled from Weber & Olcese. On XXXX XXXX, XXXX I received a summons of complaint for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Debt collection (I do not know) with Convergent Resources, Inc. (WV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: For approximately 1 month I have been receiving phone calls from a company called Convergent Outsourcing ( www.convergentusa.com ). They tell me they are trying to reach XXXX ( XXXX? ) XXXX. I have told them every time that I do not know XXXX XXXX, and that I have had this phone number for 2 1/2 years. Every time I have received a phone call from this company I have told them to take my number out of their system as it is clearly a wrong number, and every time they have told me that they will comply. However, I am still getting phone calls. The most recent time I requested to be taken out of the system was yesterday ( XXXX/XXXX/16 ). After I told the person on the phone to remove me from the system, I went onto their website and filled out a form to request for them to stop calling me. Apparently neither of those methods worked because they called me again today. I called them back and again told them to remove my number from their system.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Perfection Collection (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The original creditor is   XXXX   XXXX   XXXX   XXXX   or they also go by  XXXX .     I have been making payments to  XXXX   XXXX  collection agency since  XXXX    XXXX  . Another collection agency reached out to me a few weeks ago saying they had my account from  XXXX  and asked that i setup a payment arrangement. I refused and let them know that I was already making payments for this debt to another agency.     Now perfection collection has placed this debt in the amount of  XXXX  on my   XXXX   XXXX   credit report and i can not possibly owe two different collection agencies  two  different amounts of money for the same original creditor.      XXXX  said that my original balance before making payments was approximately {$700.00} now Perfection collection has reported a balance of {$1500.00}.     I have tried conatcting ADT multiple times to get information about the the collections agency they sold the account to and I am never able to get anything that mirrors the agencies that have contacted me. The only thing that  XXXX  was able to provide was that in  XXXX  the account was sent to  XXXX   XXXX   XXXX   XXXX   (   XXXX  ) and that in  XXXX  it was sent to  XXXX  (  XXXX  ) I have tried calling these numbers and get nowhere.  XXXX   XXXX   XXXX  who says that they work for perfection collection has made the most recent contact with me about what has been reported to my credit. At the end of the day I do want to pay only what i owe to the correct collections agency and right now that is not clear to me.     please let me know what my next step should be to get this resolved expeditiously.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Problem with fraud alerts or security freezes

Complaint: Account was closed for possible fraud. The information is incorrect and prevented me from getting a job and further accounts. I was hired in with the same company in the fraud department.

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 05/25/2017 about Mortgage (Other type of mortgage) with Security National Mortgage (TX).
Issue: Applying for a mortgage

Complaint: A lengthy detailed explanation has been written and is Exhibit 21. Please read this first. It will provide details and reference the other 20 Exhibits that will be attached providing I can attach all of them. Just so you know I have contacted Security National Mortgage Company ( SNMC ) and have gotten no response at all from them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Credit card () with SYNCHRONY FINANCIAL (CO).
Issue: Late fee

Complaint: Credit card was paid same day as due date I was told I was able to pay it same day and I would n't get late fee it was n't even XXXX yet and late fee was added I 've called to see if there 's anything I can do but they try getting you for anything I really regret getting this credit card.

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 12/14/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Trouble during payment process

Complaint: I received a notice from my mortgage loan servicer, Select Portfolio Servicing, to provide proof of insurance for a policy that had expired on XX/XX/XXXX. I sent that to them. On XX/XX/XXXX, I received another letter asking for proof of insurance for the prior year, XX/XX/XXXX to XX/XX/XXXX. I did not have insurance in place during that year because my home was in foreclosure and they had scheduled an auction. The home is no longer in foreclosure and all the auctions, three of them, were canceled. 

Then I received a bill from them for {$3500.00} for insurance ( force-placed ) for the lapsed period, the prior year. This is double what I pay now and it was for a year that had already passed. 

It 's hard to believe they can do this, but they did it. If I could buy insurance for a previous year, I would have done it but it seems only mortgage companies can do this and force it on the homeowner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (Credit card debt) with Bull City Financial Solutions, Inc (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On  XXXX   XXXX , a debt validation letter was sent t o Bull City Financial re questing validation of this debt allegedly owed. I 've also sent this thru cbr dispute. Bull city is inaccurately " verifying '' this info through them. I 've asked to receive a copy of original documents with my signature. As of  X/XX/17    bull city has failed to respond to my request. Instead on  X/XX/17    I received correspondence from aforementioned company with a bill also listed on an address I 've never lived at. I 've yet to receive any original documents as outlined in attachments. This continues to report to cbr and is not marked as in dispute as requested on letter either.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Mortgage (FHA mortgage) with AmeriHome Mortgage Company, LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage loan with Amerihome Mortgage. In early XXXX, they sent me a check for the amount of my XXXX payment with a note stating that my loan was transferred. When I got someone on the phone, they gave me a number to call. I called and they refused to talk to me -- said I had to call back. I believe that they intentionally did this to get a late payment on my account so that I could not HARP refinance. I have sent XXXX payments to these fine folks ( XXXX and XXXX ), but they refuse to remove the late payment from my credit. I have filed a complaint with the XXXX and now with you. Please let me know if I can get any help with this problem. I still have the note that they sent with my check and will try to get a copy of the check ( I deposited the check to cover resending the payment ). 
Thanks and XXXX 's Blessings -- XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2016 about Debt collection (Mortgage) with SELECT PORTFOLIO SERVICING, INC. (WI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX real estate accounts with Select Portfolio Servicing are reporting on all XXXX of my credit reports. Select Portfolio Servicing has continued to break the law and report inaccurately to the XXXX credit bureaus. They have violated the FCRA over and over again. In particular they have violated FCRA Section 623 ( a ) ( 3 ) and FDCPA 807 ( 8 ). They had 30 days to report that I had disputed their the accounts and after numerous letters to them it has only been in the month of XXXX that they added the dispute language. Well after receiving numerous letters from me, asking them to validate the debt. In addition, to the above egregious acts they continue to report the amount wrong, they keep re-aging the foreclosure and charge-off. I have NEVER received foreclosure documents or charge-off documents. Lastly, I was told today that my accounts had be transferred and they have no information that they can provide me with however, they have enough information to keep inaccurately reporting to the credit bureaus. I believe that their actions are egregious toward me and as a direct result should be removed from all XXXX of my credit reports. I have pulled reports without the dispute language and reports with the language. 
I 've reached out to all XXXX credit bureaus only to continuosly responded with scripted information. XXXX ignore my concerns, talk extremely rude to me and have refused to help me. Please 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 11/17/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Account opening, closing, or management

Complaint: SunTrust Bank was running a promotion that told consumers that they would get up to {$200.00} for opening an account with them. My fiance and I opened an account with them at the XXXX, FL XXXX XXXX. We were promised and assured that we would receive the {$200.00} promotion as long as we qualify with at least {$2000.00} in Direct Deposits in a 60 day time period. I have heard this same information from multiple representatives and they have also assured me that I would be receiving my promotion in 6-8 weeks from the time I qualify for it. When I had n't received my money in the time frame mentioned above, I began to question the validity of the promotion by contacting corporate and walking into many branches. I was told the same information over and over again. I am now hearing from a XXXX XXXX in the Client Relations and Support Team that I will only be receiving {$100.00} on a smaller scale promotion. Digging deeper, I found that other complaints that I have tried to address with SunTrust Banks had gotten the lady that opened my account fired. She is no longer able to tell us what she had stated to my fiance and I when we opened the account, and SunTrust " has no record of what was said '' even though there is surveillance in the branch inside of XXXX. SunTrust has also stated on a recorded line that many of their representatives have relayed incorrect information to me. Therefore, I would like to receive the amount of money I was promised and assured of when I opened the account, and I add that those promises were made from more than one representative. I, as the consumer, should be able to believe representatives of this financial institution when they tell me I will be getting money from a promotion, therefore I feel that I should be getting what I was promised as the consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: From the end of last year, especially from XXXX of this year, there are many unrecognized credit inquiries appearing on my credit report. I suspect that my ID have been stolen in a grand scale. How, who, and where could I find the right help to resolve this issue and prevent further ID theft crime? Thank you very much

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 03-06-2017 about Other financial service (Credit repair) with John C. Heath, Attorney at Law, PLLC (MD).
Issue: Fraud or scam

Complaint: I was contacted by a representative and was told that I needed to pay for a credit report. The very next morning I tried calling to cancell and was not able to speak with anyone. When I was contacted today by a representative from thier company I told him that I had been trying to cancell and he hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Consumer Loan (Title loan) with TMX Finance LLC (AL).
Issue: Charged fees or interest I didn't expect

Complaint: I have been paying only the interest on a {$5000.00} title loan that I was forced to get under duress of just losing my job. I have a car in which I spent nearly {$2500.00} in repairs and the truck still does not work and I have missed work on several occasions due to this. I 'm in financial distress due to this and I even paid {$670.00} which only went towards the interest. Had I know this would happen like this I would have never agreed to this amount of money. And to make matters worse I lost my home in a fire XXXX XXXX 2014. I need help, please help me..

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Debt collection (Medical) with American Collection Services, Inc. (OK, TX) (OK).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: American Collection Service continues to contact me regarding medical debts that my wife owes. When trying to work with this company for a payment plan at an amount we can afford the company will refuse any offer other than their decided amount and begins to threaten the accounts have to be paid in full or they will release the account to their lawyers and sue me. Every time this threat is made they give me a 4 hour limit to provide them a final answer or they will move forward with a law suit, and they have made this threat over the past 3 months on the same accounts. These threat start happening near the end of each month. We had a previous account with this company that had been paid in full with the agreement to remove the collection from my credit report and the company did not follow through with their agreement claiming they did not have to because they received additional accounts for my wife while the original account was being paid off. The company has so far threatened to sue us for the full amount of XXXX accounts 3 separate times, threatened to garnish my wifes wages 3 separate times, and have refused all of our payment amount offers. I was once again contacted by this company today ( XXXX XXXX 2015 ) with a 4th threat of sending all the accounts to their lawyers to file suit on the debts. Additionally, the company name is American Collection Service but they are reporting to my credit report as XXXX which I feel is purposely misleading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (LA).
Issue: Loan modification,collection,foreclosure

Complaint: I initiated a Deed In Lieu foreclosure in or around XXXX XXXX. As per guidelines, I listed the house for sale for a period of more than 6 months. At the time, we were not given an offer. In or around XXXX XXXX, we proceeded with Deed In Lieu paperwork. As time went on, I would receive letters that required notarized signatures. Around XXXX XXXX, during a routine call, I asked the Loan specialist when would the final judgment be declared. She said all paperwork and final cancellation of loan should occur around the end of XXXX XXXX to the beginning of XXXX XXXX. In XXXX XXXX, I called and asked for a status on the loan. She informed me the paperwork was " at the clerk of court for XXXX county ( parish ) awaiting title clearance for house. '' For four months, I called every other week and received the same response. 
On XXXX XXXX, XXXX, I spoke with loan specialist supervisor. He explained about a problem shellpoint had with the third party law firm that was contracted to finalize the paperwork. I was told that the law firm sent the paperwork and a check to pay off all outstanding taxes to the clerk of court and that it was {$25.00} short. The clerk sent all paperwork back to the law firm. During this time, that law firm closed down. A new law firm was contracted and was attempting to find all lost paperwork from original firm for more than 2 months. At that time, he said he would start new paperwork that would have to be resigned and notarized again. If old paperwork was not found, the new paperwork would take an additional 2 months to get finalized. I asked if, after all paperwork was completed, that my credit would reflect any past due amounts ending in or around XXXX XXXX due to the fact that the error and delay were on the part of Shell points vendor and not because of myself or my wife, the cosigner. He said he would call me back after paperwork was completed and speak about it. 
By XXXX XXXX, I received word that the Deed In Lieu was approved and finalized and would reflect on my credit file within 30-60 days. I asked about showing past due payments only to XXXX XXXX and was told they would look into it. 
Around the end of XXXX I received notice of a credit change on file. I saw XXXX and others showed past due payments to XXXX XXXX. I have since tried to call the loan specialist and supervisor and left several voicemails with no answer back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Trans Union will  not remove old accounts. Collection accounts that have been paid and show  XXXX  balance are still showing up.   Old accounts showing closed are still showing up and they claim anything reported to them will stay on the account, even with proof that they are closed or paid in full.

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