milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/22/2016 about Mortgage (Home equity loan or line of credit) with SUNTRUST BANKS, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: SunTrust Home Equity line of credit keeps reporting to XXXX and XXXX bureau wrong information about the original date to when my case was opened. The date reported is wrong, and even though my lawyer keeps writing them letters about what they are doing wrong ; SunTrust keeps sending letters to me about the same case all over again. My case was opened and reported in XXXX, XXXX, but it was sold since XXXX, XXXX. I had sent several letters to this company telling them about the right date and about the closure of this case. My prepaid legal services in Florida has been sending to XXXX and XXXX letters to fix my credit, and to report the accurate information with the correct date it was opened and reported. SunTrust equity line of Credit said they will fix it but all they do is send letters with the wrong date and nothing gets ever done. Instead of sending the right date, they just write the same date that my prepaid legal services writes in the letters they send there. This account has been sold and reported lost since XXXX XXXX. This entire situation is ruining my credit, and I am getting tired of receiving these letters. I keep receiving letters about my case and how is reported in XXXX ( this is not accurate since it was reported in XXXX not XXXX ). This case was reported about seven years ago and it should already be solved. This case had also been reported to the IRS and they decided to close the issue. I do n't understand why this is still permanently on my credit. They should either remove it completely or have the case with the right date and information. I want to do some things with my credit such as buy a house, but I ca n't do that because of this issue that is holding back my credit. This is a violation and is of customer right to the and unaffair resolving of credit. I would like for this problem to be solved as soon as possible. Thanks

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 12/30/2015 about Mortgage (Conventional fixed mortgage) with AMERICAN INTERNET MORTGAGE (VA).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX XXXX, before the rate increase, I applied for a mortgage with AimLoan.com. I was given a set of required steps and required documents. At no time during the application process was I told that XXXX of the lenders requirements was XXXX transcripts of tax returns. My rate lock expires XXXX XXXX, XXXX. On XXXX XXXX, AimLoan supervisor advised me that " Proof '' that the XXXX taxes had been filed was required. A signed copy of the tax return was not good enough. We had a brief conversation that if I submitted false documentation to obtain a mortgage, that would be a felony. The AIMLoan supervisor did n't care. I contacted XXXX Tax Advocate for my area to see if there was a fee I could pay to expedite making transcripts available. There is not. This is a 6 to 8 week process and there is nothing I can do about it. He mentioned that XXXX XXXX should allow for stamped copy of the tax return, showing it was filed in person. I went to the XXXX office and filed my taxes in person. I received a stamped copy showing they were filed. I advised AIMLoan and provided them a copy of the XXXX Stamped return showing it was filed. AIMLoan decided that this did n't meet their lending requirement. That they must be able to receive a transcript. Even though today is XXXX XXXX and 6 to 8 weeks is way past my loan lock and since Fed raised interest rates in XXXX, after my rate lock, the person who is losing thousands of dollars and maybe the contract to purchase this house is 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 03/18/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I want to file a complaint to report how paying off my mortgage with XXXX has damaged my credit report. I had two offers of payment rejected. The first was an offer of total payment of {$14000.00} in two checks ( 1 ) was check # XXXX for {$12000.00} & ck # XXXX for {$1500.00}. dated XX/XX/XXXX.This offer was rejected by Green Tree XXXX 
A second payment was tendered to Green Tree cashiers check dated XX/XX/XXXX in amount of {$17000.00}. Was mailed return receipt. This offer was rejected. Attorney XXXX of XXXX., XXXX FL XXXX handled negotiations and is holding the check. It has been since XX/XX/XXXX and this lingers on my credit report. I have copies of check if you need confirmation. 3 years later I pay my taxes and insurance while my loan continues to be sold to different mortgage companys constantly selling the loan. XXXX sold to Green Tree who sold to DiTech and etc. 
This damage to my credit after paying loan off continues to linger on my credit and needs resolved so I file this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (MI).
Issue: Deposits and withdrawals

Complaint: There were about XXXX disputes on my account that I notified Ally Bank about. I was told that the debit card would be closed and I would receive my money back. Well instead of that happening, Ally added on fees for the disputed amounts. They then reported the fees to XXXX and a collections agency as though I had a negative account. I have contacted them several times to correct this. Please assist.

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 monetary relief
Consumer complaint received 04/26/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX / XX/XX/XXXX we started working with Green Tree on a Deed in Lieu. The representative originally told us it would take would take 90 days to complete. Within the first month they changed the locks on our home without telling us. ( Our payments were current at the time. ) They said a lock box was on the door and they would give us a code, but there was no lock box. Months went by and we called Green Tree daily to check the status of the Deed in Lieu. Calls to Loss Mitigation went unreturned, but their collections department called us almost daily asking for payments. Their system never showed us in the Deed in Lieu process. When I finally got a hold of someone in Loss Mitigation, they said that I had cancelled the request ( which I never did ) and that we had to start all over again. During this time Green Tree became Ditech and our file was lost / misplaced a hand full of times. We had a new account representative almost weekly. The Deed in Lieu was finally processed and finalized XXXX XXXX, XXXX. We were sent a Deficiency Waiver Agreement. Within the past two weeks we have received about XXXX letters from Ditech concerning our account. I called yesterday and they said our account was past due and that I needed to make a payment. I told them about the Deed in Lieu and the Waiver Agreement but they said they had no record in their system and that someone would have to call me back. No one did. I called again today and the representative said she could n't help me and that someone would again get back to me. I spent XXXX months trying to settle this with Ditech. I can not spend another 8 months trying to now resolve another of their mistakes. Not to mention the late payment reports they have been sending to the credit bureaus since XX/XX/XXXX! I 'm worried about contacting an attorney as the last time I asked Green Tree / Ditech if I needed one, they told me they would cease all communications with me and stop working towards a solution. I am at a loss on how to work with this company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: re : my mortgage with XXXX XXXX Mortgage loan no XXXX. re : my previous complain. XXXX XXXX forget to apply one of my payment of the payment plan i have with them to avoid foreclosure. See letter dated XXXX never wrote me or call me to ask me about this missing payment So on XXXX XXXX they said there will be no modification of the loan. then i show them proof they did a mistake and then they approve the modification. see letter dated XXXX. in the meantime they have put me in foreclosure. They said after their mistake i was out of foreclosure. Thankfully my house is sold and mortgage paid off ... but when i tried to rent an apartment last week they refused me as foreclosure was recorded on my credit report.Very embarrassing especially when you did not do anything wrong.

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 01/20/2018 about Debt collection (I do not know) with Midwest Recovery Systems (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On X/XX/2018 XXXX XXXX XXXX added a collection account to my XXXX and XXXX credit reports in the amount of {$310.00}. It negatively affected my credit score decreasing it by 6 points. On the XXXX report the remarks are listed as unknown. On the XXXX  report the remarks are listed as medical. They claim the original debt was from XXXX XXXX, which I have never taken a payday loan ever. I am certain that XXXX XXXX XXXX have fraudulently reported a debt to my credit report and demand that I have these removed and have my credit score returned to its original score before this happened. I have tried numerous times to contact XXXX XXXX XXXX and have sat on hold on their phone line with no answer. This fraudulent attempt is damaging my credit score and need this resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have written a few times and the bureaus just are n't doing anything for me and I am pretty certain that they are violating the FCRA by not correcting the items that I am disputing. They are reporting a bankruptcy on my file, and yet the accounts that are part of that bankruptcy still have " included in bankruptcy '' which is not supposed to be there. I have repeatedly notified them of this and they failed to remove it. They also did not provide any documentation whatsoever verifying anything.

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 08/22/2017 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: My name is XXXX XXXX XXXX XXXX, in XXXX 2007 I was a victim of identity theft and fraud. I have filed 7 Police reports in different states with in the past ten years and place a fraud alert on all the Credit Reporting Agencies ( CRA ) XXXX, XXXX, and Equifax. trying to correct my credit report. The problem I 'm having with all credit agencies, is that their not complying with the Fair Credit Reporting Act Laws. The ( CRA ) are by law to verify documents sent from the creditor ( s ) place into my credit file. I have been sending request that the ( CRA ) provide me with that proof of documents verification for over 1 year and I have not received a response and when I call over the phone. The ( CRA ) always state that they never received my supportive police reports or complaints.
Page 35 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( FCRA ) Page 37 ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Other

Complaint: I made a purchase on my Kohl 's store credit card. Did not receive any bills, and did not think about the purchases I did make, until I received a XXXX late notice. I called Kohl 's, told them I had not received any bills, but paid the amount of purchases, plus late fees. Kohl 's did not attempt to call me, even though they had my home, my cell, and my business phone numbers. When I applied for a business loan - my bank said I had a negative credit report from Kohl 's. That is how I found out Kohl 's reported my missed payments, although no one said anything to me when I called and paid the late bill. Kohl 's did not send me a letter saying they would be reporting me, although I believe they are required to notify me they will report negative information. Kohl 's made no attempt to send me copies of the bills that they supposedly sent me for two months prior to the final notice. I did ask Kohl 's to retract the negative information, but they refuse. Please see my original correspondence, their reply, plus my rebuttal. Since I do not expect a reply to the last letter, I am submitting my complaint as promised. I believe they have a responsibility to truly attempt to contact their customers - including by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On Thursday, XX/XX/XXXX I went to https : //www.equifaxsecurity2017.com/ after hearing about the Equifax hack that happened a month ago. There are reports now that just by checking, I was not only auto-enrolled in their service despite the website indicating I would manually enroll at a later date, but I also waived my right to sue in court if I am affected by the hack. The class action waiver was hidden in the terms of use and not made clear. Additionally, the website did not provide me information regarding whether or not I was impacted by the hack. I was only given a date on which I should manually enroll. I believe that Equifax is n't taking the situation seriously, and is attempting to avoid a class action lawsuit by tricking consumers into agreeing to arbitration only under the guise of caring about our personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Account Name Account Type Account Marks Past Due Reported On ] XXXX Other Loan Late 120 Days {$0.00} XXXX XXXX, XXXX This debt was discharged in BK XX/XX/XXXX and also property went to short sale. Should not be on current report

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 04/20/2017 about Credit reporting () with Experian Information Solutions Inc. ().
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed online using Experian website and submitted proof that the judgment was paid in full. I sent payment proof and invoice from the  XXXX  County court house showing that the judgment was paid in full.   All other credit bureaus have accepted the information and removed the judgment but Experian has failed to remove it. I spoke with a representative at Experian and was told they can not remove it. I tried to dispute only  a 2nd ti me and no luck with Experian.

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 10-10-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I HAVE HAD NO SUCCESS

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have disputed this after I disputed it the account was transferred to another collection company. I did not order this phone I did not give my permission for anyone to use my information to buy a phone. They can not provide me with my signature or ID used to get this phone! I would like this to be removed from my credit report since it can not be proven it was mine. I think my ex husband had it but I can not prove it. I also think they have messed with the dates I was told this was in 2009.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Other fee

Complaint: Dear Sir or MadamThis is with regard to XXXX credit cards that I have with the Bank of America. They are on behalf of XXXX. 
A number of times in the past eighteen months I was charged a {$1.00} fee for reasons I do not understand. Each time when I called, an agent removed them. When I questioned what the fee was for, I was told it was because I had a credit and I had not used the card that month. This is absolute nonsense! 

I pay a yearly fee for the card. There is no requirement that I use the credit cards at any time. Yet, one can see in the attached XXXX bills, Bank of America charged me a {$1.00} fee for each of the cards. Payments were not made late. There is no explanation as to why a fee was charged. 
I am wondering if Bank of America is charging a fee to other customers without justification. I believe this matter should be looked into. 

I awat your reply. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Debt collection (Credit card) with I.C. System, Inc. (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Keeps calling to work after speciffically being asked not to call. Could jeopardize my job.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: For over a year, Bank of America has responded to our home loan modification request due to financial hardship with repeated requests for financial documentation that we have already sent them. This is a fraudulent tactic described in the Quarterly Report to Congress of XXXX XXXX, 2015 from the Office of the Inspector General for TARP, naming Bank of America specifically. We conclude that Bank of America has never intended to modify our 7.25 % interest rate to one closer to current market rates and has acted in bad faith.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: I have a few accounts with Synchrony and my Walmart card, amazon card, 76 cars and a few other accounts without notice have had my credit limit decreased for no resin at all. I have made my payments on my accounts and they did this. 
I 'm dealing with my husband since he is severely sick with XXXX XXXX XXXX computer and this has put additional stress on me when I have tried my hardest to keep all my accounts current.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I 've disputed this information 5 times already with the CRAs and I 'm receiving letters stating that they will no longer investigate even though I am providing clear and detailed information on what I am disputing, reasons and inaccuracies. I 've even included the actual figures on the reports that are inaccurate and month and after month nothing changes! How is this even legal??? 
*Please see letter attached for account disputes *I 've included credit report for comparison of disputes vs. reported information

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 03/25/2016 about Bank account or service (Checking account) with DISCOVER BANK (TX).
Issue: Account opening, closing, or management

Complaint: We received an offer from Discover for a bonus for new checking account for current Discover card holder that promised {$300.00} for new customers who opened an account and makes XXXX direct deposit of {$250.00}. I applied for an account XX/XX/XXXX with offer on discover website with the promo code given, and the promo code shown up as accepted on the application web site. Fast forward 2 months, I contacted Discovered after XXXX-XXXX direct deposits have been made and the bonus amount had not shown up. The customer representative who I spoke up said my account qualifies for the offer, and the system is still catching up on offer processing, and I will receive in the bonus in weeks. Fast forward another 2-3 month to today, I called and was told that I was not eligible for the offer, even though I have told my offer code was accepted at application and told I was eligible once again on the phone. This does not feel like an acceptable way of doing business, I was marketed and promised something that was not delivered.

Company response to consumer: Closed with monetary relief