milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-02-2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed the validity and the account status of a XXXX XXXX account several times with Experian, XXXX and XXXX. XXXX completed a thorough investigation and found multiple discrepancies, which lead to the account to being deleted /removed. Very happy with XXXX. However, Experian completed an inadequate investigation, if any. They did not VALIDATE the account was mine. They have not provided an true open date or payment history ( both of which I requested ), no account info, nothing! I filed XXXX separate disputes ( XXXX online and XXXX via USPS ) with Experian regarding this XXXX account, and I have yet to receive any type of correspondence from them. It has been 30+ days. I have obtained new credit reports from each of the mentioned bureaus as recently as XX/XX/XXXX, and the XXXX account is still reporting factually inaccurate ( with exception to XXXX ), and I strongly feel that Experian and XXXX have not met their lawful obligation to complete a full investigation into my disputes, nor have they complied with any of my requests to complete a thorough investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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 send Transunion several letters requesting they make justifiable corrections or removals of unverified or invalid allegations of account information to meet federal reporting standards of completeness of the current reporting status, timeliness, truth, accuracy and compliance else wise of every single one even each any and or of the aspects of alleged account information documentary to be proven mine do to future enhance your adequate and mandated compliance to proper and fair reporting. After reviewing my credit report I found a number of items on the report inaccurate and they have failed to correct it. I send about five letters the last one was send certified tracking number XXXX. They have failed to send me copies of the documents that they have in their file as of this date that was used to verify the accuracy of the following account. XXXX XXXX account # XXXX. I Along with XXXX telephone numbers XXXX. XXXX. XXXX. XXXX. Also a few inquiries that I did not authorize. XXXX. XXXX XXXX XXXX. XXXX. XXXX XXXX. XXXX XXXX. XXXX. XXXX. XXXX. XXXX XXXX. I contacted the original creditor as suggested and have disputed these items but transunion is still reporting these unproven to be authorized alleged inquiries.

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 11/16/2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working with Bayview in regards to a loan modification to avoid foreclosure. Since the initial start I have been provided the constant run around and being told documents are not being sent in when in fact I have proof they have been sent in. I am unsure why they are playing these head games with me and making me more XXXX and hoping that I give up so they can sell my house. Bayview should have ALL documents they are asking for and there should be no reason to keep asking me for the same documents over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Payday loan, title loan, or personal loan (Payday loan) with Tribal Lending Enterprise, Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have continued to receive communications by e-mail for several payday loan companies saying I still owe money which I went through a payday loan relief company to payoff any that I did have and that has all been completed over 2 years ago. I feel as this whole scam of payday loans is unfortunately somehow allowed to continue as they probably figure that people forget and will probably give up and pay what they say. Also my husband and I went through bankruptcy which was completed last XX/XX/XXXX and there were some loans that were applied in the bankruptcy but the companies never pursued in a timely manner with the bankruptcy rules and then were not included. I must admit all of this is very confusing. The payday loan relief company we went through was XXXX XXXX XXXX, phone XXXX and at that time XXXX was the person handling our case. Everything was paid in this plan. XXXX had a Revocation of Authority to Contact Third Parties and if any companies tried to do this it is considered a violation of the Right to Financial Privacy Act, 12 USC 3401. Just as a note ; GOVERNMENT ACTION Golden Valled Lending, Inc. On XX/XX/XXXX the Consumer Financial Protection Bureau ( CFPB ) filed a complaint against Golden Valley Lending , Inc., Silver Cloud Financial , Inc., Mountain Summit Financial , Inc.,  and Majestic Lake Financial , Inc. Case # XXXX <P/>The complaint from CFPB alleges that, The companies deceived consumers by collecting debts they were not legally owed. The CFPB also alleges that the four lenders could not legally collect on these debts because the loans were void under state laws governing interest rate caps or the licensing of lenders. The CFPB alleges that the lenders made deceptive demands and illegally took money from consumer bank accounts for debts that consumers did not legally owe. <P/>The case is currently pending. <P/>Thank you for reviewing my information :

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Debt collection (Mortgage debt) with REVERSE MORTGAGE SOLUTIONS, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: REVERSE MORTGAGE SOLUTIONS, INC keeps insisting they are in my financial business. Now they say They are BUYING ME INSURANCE AND CHARGING ME A FEE??? They have inserted themselves onto my homeowners policy as if they have some right to be there. They are removed every year. <P/>Now they have written me that they need to be " LOSS PAYEE '' on my business accounts. They are NOT A PART of my LIFE. <P/>They are like a tick burrowed in sucking blood from me and harassing an ID Theft victim that is elderly. <P/>I have the documents where my Insurance company removed them and XXXX REVERSE MORTGAGE , LLC they said they bought the " loan " from 10 minutes after I " signed for it. All baloney. <P/>I am attaching documents from my XXXX XXXX that parties were removed from my policy in XX/XX/XXXX-XX/XX/XXXX, the new policy and the deletion page. Same for XX/XX/XXXX-XX/XX/XXXX where REVERSE MORGTAGE SOLUTIONS, INC added themselves one again -- removed as soon as I saw, was sent new policy declaration page and the deletion of mortgagee page. <P/>Unbelievable for a company to be so ridiculous to scam money from elderly.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Debt collection (I do not know) with Eastpoint Recovery Group, Inc (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Eastepoint Recovery Group , Inc. from XXXX, NY have been repeatedly calling me and leaving voicemails at work when Im unable to answer. Theyve called about twice a week for the last 5 weeks or so.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company keeps on coming after me regarding a XXXX XXXX account which I have never owed XXXX. I did call XXXX XXXX and it was a sewing machine ordered and deliver to an address I never lived at. I am XXXX XXXX XXXX male and do n't even know how to sew. This is not mine I never had an account with either of these companies. I disputed received a letter XXXX/XXXX/2016 stating they are going to remove and then another letter XXXX/XXXX/2016 stating they are collecting. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2016 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Hard inquiry from Belk company dropped my score XXXX points I did not authorize any inquiry and did not fill out any application with this company

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 04-06-2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Delinquent account

Complaint: I was traveling abroad. I contacted the credit card office to inform them thatI am unable to pay online because I did not have secure internet connection. 
And I requested to allow me more time to send the payment as soon aspossible. However they reported my account as late to the credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (GA).
Issue: Managing the loan or lease

Complaint: I have a consumer car loan ( truck ) that has not been conventional by any sense of the word. Currently my loan is coming to an end ( 3 payments remain ) and for the past 2 years I have tried to get this corrected with little result. Like most normal car loans you can pay more or completely pay off without any penalty but in my case even when extra payments are paid it 's simply reduced the amount of the next payment instead of reducing principle. Interest rates are also based on the month previous last payment instead of the newest month minus payment paid. I 've gone to my local bank branch several times but have never been given correct information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Consumer Loan (Installment loan) with CITIBANK, N.A. (FL).
Issue: Taking out the loan or lease

Complaint: I recently checked my credit reports as i have not done so for many years and find that this account is reporting inaccurate information which is causing a negative affect on my credit. 
I request that the creditor verifies the information it is reporting and provide me with copies of the account details such as when it was opened and the payment history as this account is unknown to me, i have no records of owning this account.

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 Bank account or service (Other bank product/service) with BARCLAYS BANK DELAWARE (FL).
Issue: Account opening, closing, or management

Complaint: I recently checked my credit reports as i have not done so for many years and find that this account is reporting inaccurate information which is causing a negative affect on my credit. 
I request that the creditor verifies the information it is reporting and provide me with copies of the account details such as when it was opened and the payment history as this account is unknown to me, i have no records of owning this account.

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 05/26/2016 about Mortgage (FHA mortgage) with BROKER SOLUTIONS, INC. (ID).
Issue: Settlement process and costs

Complaint: In short, we closed. Everything looked good. our closing statement matched our pre closing docs, requiring XXXX cash to the table. Everything looked good. We are supposed to fund today. 

Yesterday I got an email from our broker asking for a check for XXXX to reimburse him for a credit on our closing docs. I am supposed to make it payable to the mortgage company and post date it. 

His explanation is that they gave us the credit for " advanced escrows '' as a loan and that they expect to have that money returned. They are threatening to hold up funding of our loan and / or redisclose everything, which then postpones the loan at least 6 days and funding another 3 days. 

I feel that this is not only shady and boarderline illegal ( maybe fully illegal ), but it places a hardship on us to have to come up with the money in a hurry. Nothing about this seems right. 

Apparently, he did inform me via email, which I completely missed. I would have said no to the loan at that point if I had seen it. I will include the email chains in the uploaded documents.

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 reporting, credit repair services, or other personal consumer reports (Credit reporting) with Strategic Alliances, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Debt for XXXX XXXX was cancelled and reported to the IRS as income in XX/XX/XXXX. XXXX XXXX still reporting full amount delinquent. If debt has been cancelled and account closed they should not still be reporting full balance amount. I contacted XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX to inquire of this reporting and were advised they do n't have to stop reporting if the debt is cancelled but the amount they are reporting is incorrect for a cancelled debt. 

First Financial is reporting a balance of XXXX on my credit report and the XXXX was paid in full but they are refusing to remove the XXXX because I have another balance in their office of a lesser amount. I contacted First Financial on XX/XX/XXXX to  ask to remove the XXXX from credit report as it is what is reporting and was denied that request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/XXXX I received a phone call from Chase regarding possible fraudulent activity. I was asked if I had made a purchase at USPS for {$480.00} to which I responded no. They then asked of I had made two different transactions at a XXXX Atm for {$43.00} each time. I responded no. I was told not to worry I would not the responsible for these charges and that they needed to file a claim to return the money into my account and that it could take several days. I checked my account and 2 days later I seen two credits for {$43.00} and two non chase atm fees of {$2.00} were returned into my account but not the  {$480.00}. I called chase to find out why and was told that it was denied. When I asked for a supervisor she placed me on hold and said the request was done incorrectly and had to be redone. I said fine. Later I checked my account again to see if there was any other activity and found I was being double charged for XXXX for several months. I called XXXX who said I had two open accounts. I explained I should only have one and asked for information as to who opened it they refused to tell me. They said to call Chase and report it as fraud. Which I did. Chase then indicated they can only go back 60 days to return the money and to call XXXX to have them report the fraud. I call XXXX back and they decided to close the extra account and refund my money. I called chase to advise them. I was told unfortunately since it was reported as fraud there is nothing they can do with my report and that the fraudulent charges on XX/XX/XXXX ( {$480.00}, {$43.00}, {$43.00} and the two {$2.00} non chase arm fee ) were denied because there was fraudulent activity on my account since XX/XX/XXXX which I never reported. They also claimed that I said I lost my debit card and therefore there was nothing they could do for me. I even called the executive office and they still denied giving me my money back. Had I known reporting the XXXX charges would cause an issue with the actual fraudulent charges on XX/XX/XXXX would have never reported it. However, from when I called them on XX/XX/XXXX I was told the claim was denied. Seems chase just is looking for the easy way to deny giving me my money back from my account which they failed to keep safe. Someone created a fake atm card and found out my pin and was able to take {$570.00} out of my account. I think it is unfair for me to not get my money back when it was fraudulent charges! I want them to investigate and get this person arrested! I want my money back!

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-02-2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Roundpoint mortgage keeps incorrectly force placing flood insurance onto my mortgage. I have already submitted evidence of flood insurance to them several times via email, fax and have contacted them. I have evidence of all of those submissions that date all the way back to XX/XX/2016. My mortgage amount is normally {$940.00} but this month they increased my auto debit without my consent and without any communication to {$1200.00}. I contacted their customer service and it turns out to be an error on their part for never accurately updating their flood records. So unfortunately I am out {$260.00} until they can get this resolved which they told me they wouldnt be able to give me an update on it until XX/XX/2016. This is extremely deceptive practice and its similar to what i experienced with XXXX XXXX XXXX. They have no right to force place that insurance when i adequately and timely submitted evidence and they also violated my reg E for adjusting my ACH without my consent and notification.

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 04/14/2017 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Submitted dispute to equifax about unauthorized Inquiries nothing done about them, I 've since added a fraud alert to my report

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Debt collection (Credit card debt) with U.S. BANCORP (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The XX/XX/2018 I received by US BANK an " Settlement Program Offer ''. 
If I pay {$280.00} the debt of {$1900.00} that I had with them, it is full paid. I received a discount offer of 85 % ( {$1600.00} ), as the letter says sent by US BANK. 
I pay {$280.00} as said the offer in the settlement. US Bank processed the payment and it was successfully. 
When review my credit report, I see that {$280.00} was taked as a payment to the balance and not as a settlement. 
I spoke with US Bank to solve the problem. They were negative and sent me to disputed the problem in the credit bureaus. 
I did the disputes in " XXXX XXXX XXXX ''. Attach the offer letter and the payment voucher, to support my version. 
US Bank responded to the disputes in a mode negative way, and I ratify my payment as a credit, and not as settlement payment. 

Please, help me. 

attached : Settlement Program Offer Autoritation debit by {$280.00}

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 06-01-2015 about Debt collection (Auto) with Vengroff Williams, Inc (UT).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: XXXX XXXX called me on XXXX/XXXX/2015 collecting for XXXX XXXX I explained to them the the account with XXXX XXXX was over the statue of limitations for collection XXXX XXXX explained to me to send them a validation letter and she would send the file back to XXXX XXXX. I received the letter from the company on XX/XX/2015 and sent a validation of account to XXXX in the meantime they inquired on my credit with all XXXX bureaus on XX/XX/2015 after I spoke to them over the phone and put them on notice when I called them XXXX XXXX, 2015 to confront them they told me that XXXX XXXX gives them authorization to pull my credit. I did not authorize XXXX to pull my credit and XXXX XXXX account is null and void due to statute of limitations.

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 08/15/2017 about Mortgage (Conventional home mortgage) with STEWART INFORMATION SERVICES (FL).
Issue: Closing on a mortgage

Complaint: XXXX XXXX XXXX XXXX received a contract for a purchase, with an Addendum that the buyer and realtor was not aware of. The addendum is forcing the buyer to use Stewart Title as their closing agent, and having the buyer pay for their own title policy, This was not disclosed by the Listing agent in the XXXX, nor was it disclosed to the selling agent for the buyers. The contract was checked that the buyer wanted to select title agent and pay for their own title policy. In normal situation, and even in Foreclosed properties, the one who chooses the title/closing agent/attorney pays for the title policy. 

The addendum that the buyers signed is deceptive because it supersede the contract choice, but failed to state that the seller will continue to pay for title policy. 

Stewart Title Company, The Seller XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX the Listing company seems to be in bed together, because this is deceptive and should have been disclosed by the listing agent and in the XXXX, including an Affiliate Business Arrangement Disclosure. I guess this is how these company do business. This is a clear violation of RESPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Debt collection (Credit card) with Allied Interstate LLC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This number calls at least ten times a day and when I answer the phone I get immediately hung up on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief