milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: the following unauthorized inquiry need to be removed : Made by : CAPITAL ONE AUTO FINANCE Made on : XX/XX/2017 To my knowledge, I have not signed any documents authorizing this organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 
Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Mortgage (Conventional fixed mortgage) with 21ST MORTGAGE CORP. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Hello I am contacting you on behalf of my XXXX year old grandmother. We have been dealing with 21st Mortgage on a loan modification and we were under a bankruptcy. The bankruptcy judge stated the the bank could work with us on a modification while under the bankruptcy. I have been trying to contract the bank for weeks and I was n't getting anyone who would talk to me. I finally reached someone today who told me that they could n't talk to me because of the bankruptcy. I informed them of the orders from the bankruptcy court and they told me that the sale date is on XXXX XXXX XXXX and they could n't review a modifaction package. I told the young lady that I had been calling for weeks and no one from the legal department would n't answer the phone. My grandmother has been in her home for 40 years and she has always paid her mortgage on time until she was put into a loan that she could n't afford. The loan was transferred about XXXX or XXXX times to different lenders every time I put in a loss mitigation package to the new lender the loan was sold again. The assignment are also out of order. And I even tried to ask 21st mortgage about some of the programs that are being offered to help home owners stay in their home. And they basically told me that they do n't participate in any of the programs. My grandma owes XXXX on her home but it 's only worth XXXX and they will not work with us on reducing the price. We desperately need some assistance. The loan number for 21st Mortgage is XXXX. In the past I 've spoken to XXXX XXXX, XXXX XXXX and today I spoke to XXXX at XXXX XXXX who is the head of the legal department and she is the one who informed today that they would not be working with us. My grandma can afford to pay {$1500.00} to {$2000.00} a month but her payments are {$2700.00} a month. And my grandma was in a XXXX from XXXX XXXX until late XXXX. And I explained everything to 21st mortgage and I also told them that I had an approval from an investor for the short sale but they would n't even review my grandmas loan for loss mitigatio. 

Thank you for understanding,

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I submitted a certified letter to Credit Reporting Agencies XXXX, Transunion, and XXXX in regards to the balance they say I owed to XXXX XXXX in the amount of {$3700.00}. This should have never been sent to the credit reporting agencies nor the debt collector as I paid this balance in full to XXXX XXXX XX/XX/2017. This needs to be removed from my credit report immediately as I do not owe this debt any longer and it was paid to the original creditor. 

Thank you.

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 04-03-2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX is using an intimidation tactic to collect a debt that is NOT mine. I do NOT have any signed contracts with them or their so called client Also, it's a violation for the FAIR DEBT COLLECTION PRACTICES ACT to try and collect a debt that has NOT been validated, they are NOT suppose to do that!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Application, originator, mortgage broker

Complaint: Bank of America canceled our mortgage application, 7 days before closing, claiming we lacked sufficient funds available for closing. For almost 30 days, BoA had the necessary information to see proof that we had sufficient funds, but apparently never processed the documents internally so that they were available to the underwriter. Initially, our mortgage officer claimed we were denied for not submitting a copy of a check showing sale of a mututal funds for closing funds, but later admited they never asked for the canceled check. For 3+ weeks, it appears BOA did not process any documentation they had requested, then at the last minute, tried to fix their errors. Mortgage officer was unreasonably hard to get ahold of, ignored multiple requests for status updates, then had the audacity to blame us, the consumer, for Bank of America 's own failings. Had Bank of America reviewed the documents they had requested and received in a timely manner, they would have seen sufficient funds for closing, or would have had time to request further information. BoA did neither - they simply canceled a mortgage application 7 days before closing, 38 days into the process. 

We acted in good faith, submitting all requested documentation within 24 hours at each request. We sent multiple emails requesting status updates and got no response. Bank of America simply failed to execute the mortgage application due to their own errors and mistakes. Their reasoning for cancellation ignores the multiple documents submitted that clearly show our ability to close. 

It 's hard for us to understand anything we could have done better. Bank of America clearly failed, clearly made mistakes and clearly canceled our mortgage due to their own errors. The consumer is left dealing with the damage and heartache while Bank of America can move on to other mortgages as if nothing has happened.

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 01-09-2016 about Debt collection (Medical) with AMCOL Systems, Inc. (OK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have never been contacted about this bill from creditor, Rickman And Rickman, so I need see the this bill or at least get some correspondence from them on this before it is added as a unpaid collection on my credit report, any help would be greatly appreciated, if I actually owe this debt, I will pay as soon as I get a address to pay it, as I have stated I have no knowledge of this bill at all, as Rickman And Rickman have never contacted me at all, can they at least make a attempt to contact me before putting it into collections??? If I owe it I will pay it ASAP, but what I do not understand is there has not even been 1 attempt to contact me before putting on my credit report, please send me all the information, account number, and who and where to send the payment if owed by me. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Good afternoon, My name is XXXX XXXX my home equity loan is finance with XXXX XXXX XXXX loan number XXXX ). As a verification of mortgage indicates as well as a payment history illustrates, we forward our mortgage payments to XXXX XXXX from the XXXX to the XXXX of each month. XXXX XXXX has recently reveal the following : Example, if XXXX XXXX payment was received on XXXX XXXX, XXXX and XXXX XXXX payment is received on XXXX XXXX XXXX, according to XXXX XXXX the payment is considered thirty days late and XXXX XXXX reports to the credit bureaus the mortgage payment is thirty days late. We have attempted to resolve this matter with XXXX XXXX, However after speaking with several customers services agents and team leaders the situation continues to exist.

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 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: FRAUDULENT NAMES : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX SOCIAL SECURITY NUMBER VARIATION 1. 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 04/14/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am currently being reviewed for a loan modification with CitiMortgage and have a foreclosure sale date scheduled on XXXX/XXXX/15. Citi is telling me there is not enough time to complete the review and I need help getting the sale date pushed back. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I would like to complain about the Equifax credit reporting agency unnecessarily perpetuating a dismissed Chapter XXXX bankruptcy public record beyond the standard 7-year reporting period used by XXXX and XXXX and outlined in the Fair Credit Reporting Act. 

My bankruptcy was filed on XXXX XXXX, XX/XX/2008 and has been removed from both my XXXX and XXXX credit reports. Equifax, however, refuses to remove this nearly nine year old record. 

In my reading of the Fair Credit Reporting Act, I can find no guidelines that substantiate this punitive measure. In fact, there is no specific mention of Chapter XXXX bankruptcy in XXXX of the FCRA. Therefore, I believe a dismissed Chapter XXXX bankruptcy to fall within the limitations of all other negative entries and should be removed after seven years. 

I claimed my bankruptcy as a direct result of my loss of employment during the XXXX recession. I have since rebuilt my finances and would like to move forward. The negative effect Equifax 's faulty reporting has had on my credit score, however, is preventing me from obtaining a mortgage to purchase a home and thereby realizing a milestone in my financial recovery. 

I have provided my Equifax dispute confirmation number and attached the dispute results document to this complaint. 

Thank you for your time, and I look forward to speaking further with you on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: This is in addition to the dispute date XXXX/XXXX/2016. After reviewing all the attached documents that were sent over from BSI I realize even more how vindictive these people are. Half of the documents from XXXX XXXX XXXX were never received by us. Any time we were asked for more information/documents, it was faxed within in 24 hours. Also, the statement about not making the trial payments was because of filing a chapter XXXX which halted the whole process causing us to have to re file for modification. As ive said before. These people lie and hold back important information to make what their doing look ok. So glad someone has finally started a class action law suit against this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 've notified, disputed, and re-disputed to each and all XXXX credit bureau 's to accurately and correctly report that my XXXX was Paid-in-Full. All XXXX bureau 's have XXXX different and varying reports listing paid-less-than-full-balance, collections, or unpaid outstanding balance, which pushed into XXXX XXXX - XXXX XXXX, causing severe and discriminating consequences from a rental apartment company. Additionally, XXXX has also failed to update and/or notify or the XXXX credit bureau 's have failed to update their records citing XXXX60 days late, when in fact that should be XXXXNever Late.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Closing/Cancelling account

Complaint: I went to Chase Bank on XXXX, CA XXXX on XX/XX/2017 to apply for a chase sapphire reserve credit card. I was approved and received the card about a week later. I had been using it regularly and when I tried to use the credit card again yesterday it was declined. I thought this was just a random one off issue and tried using it again the next day and got declined again. I called into customer service and was told that my account was closed, I went through fraud verification who told me they could n't tell me the reason and transferred me back to customer service who told me again I could n't be told anything and would have to wait to get something in the mail. Finally after speaking with a supervisor they advised that my credit card had been closed because they were unable to verify the fraud alert on the file. When I applied in person I gave all of my information and the underwriter on the phone asked the personal banker to speak with me and asked me questions to clear my fraud alert including my name, address, social, trade lines, date of birth, and other information. I had 1 missed call from Chase on Monday at XXXX my time and was at work and could n't answer, this apparently was them trying to clear the alert again. Now I am being told that my account can not be reopened at all because of this fraud alert. I put this on my credit to protect against identity theft. Nobody that I speak with is willing to help me and I was told that talking on the phone is not going to accomplish anything and there is nothing anybody can do. What kind of customer service is this on an issue that Chase messed up on? I already verified my information and even went IN PERSON to ensure I could provide all the necessary information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Convergent Outsourcing reporting on my credit report from an old  XXXX  cell phone bill. This collection was previously deleted from my credit report due to debt that could not be validated and disputed charges and fees.  XXXX  has put this previously deleted debt back on my credit report. I do not owe this balance. This is unfair reporting and requesting this collection to be deleted immediately.

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 11/22/2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: The company Medical data Systems , Inc. of XXXX florida when contacted could n't provide any information or bill to show that I actually owed a debt. When I asked for the confirmation of the debt they responded that they did n't have the information and even without the information to confirm the existence of a debt they refused to remove it from my credit report. 

I called and talked with a representative, a supervisor and the both of them refused and could not provide information on the debt. They just stated it was valid. I asked for a copy of the debt and they said they did n't have it. they both also stated that they could n't nor would not remove the information from my credit report. 

They have neither the information of who owes the debt not can they provide a copy of it saying I actually owe it. 

6 phone calls were made on XXXX XXXX, 2017

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 01/28/2016 about Payday loan () with Genesis Financial & Payment Systems Holdings, LLC (UT).
Issue: Can't contact lender

Complaint: Lender is contacting my boyfriends mother, who I do not even have a phone number for, to collect my debt. She is no relation to me, mere aquaintance and was never given out information about her for me including her phone number.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: The new mortgage servicer, Speclialized Loan Servicing did not provide me with the required welcome letter. The law requires that borrower receive XXXX notices, XXXX from your original mortgage servicer, the other from the new servicer. Unless you received a written transfer notice at settlement, your current servicer must send you a " Dear Borrower '' letter at least 15 days before the effective date of the transfer, which would be when the first payment is due at the new servicer 's address. The second notice -- a so-called " welcome letter '' -- should come from the new servicer, which must notify you within 15 days after the effective date of the transfer. 
Moreover, Speclialized Loan Servicing is engaging in the prohibited practice of dual tracking while I 'm under review for a loan modification. I was under review with the prior servicer, XXXX XXXX XXXX XXXX, XXXX and just prior to the transfer of Specialized Loan Servicing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: this is the same complaint ive been complaining about and since my wages will be garnished I will have to file Chapter XXXX ... in XXXX a XXXX dollar line of credit with XXXX then sold to XXXX XXXX went into default due to a termination of my job thru no fault of my own ... I told my boss about my XXXX and he began taking work away from me and giving it to less skilled workers ... with that XXXX and this issue is adding unneccesary stress in my life ... at that time of turmoil with no money and house payments and truck payments and pets and other bills and food XXXX XXXX reps were calling me harassing me telling me the sheriff will be at my house soon to take my house and that i will go to jail ... they called me at off hours and i was an emotional wreck and they didnt help ... .I didnt find substantial employment until XXXX and i had to pay family friends and other things back ... so in XXXX lvnv on behalf of XXXX XXXX has the courts issue me a summons ... XXXX XXXX was bought out by XXXX in XXXX of XXXX so why is a bottom feeder who buys debts for pennies on a dollar representing XXXX XXXX sueing me when they dont even own the debt? i answered the summons i got in XXXX pro se which i have a right to do and requesated proof of debt, ownership of debt and how much the debt was actually bought for ... I hear nothing back so i figured the issue was mute. I got another XXXX in XXXX and believed it to be a scam from lvnv funding to get money from me so I ignored it. then i get a court ordered wage garnishment. I responded to the courts and explained that i thought it was a scam and again requested proof and also to vacate the judgement as it would incure an financila hardship. I heard nothing back from the courts. I contacted the nys attorney generals office, the garnishment from XXXX stopped. Then they started again last XXXX. Then they stopped and now theyre starting again. The original amount was XXXX dollars, now its well over XXXX. The account went into default in XXXX that would make it past the statute of limitations. I am not going to pay them this amount of money especially when they bought the debt for less than XXXX. I will file chapter XXXX.

Company response to consumer: Closed with explanation