milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/18/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Comentity Bank/XXXX XXXX was removed via succcessful CFPB complaint for non verifiable debt. Debt was added back to my reports as of XXXX/XXXX/2017. Creditor nor CRA sent any notice of readdition of the negative item to my report per FCRA. I still dispute the debt as invalid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I called the credit bureaus and spoke to the representative. I informed her of wrong alias and addresses on my credit report. This is not my legal name as reported. The rep stated, they had been removed and I will receive an updated copy of my credit. My updated report is still showing the incorrect alias and addresses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2018 about Mortgage (Conventional home mortgage) with LoanCare, LLC (NY).
Issue: Trouble during payment process

Complaint: My mortgage was switched over to LoanCare during XX/XX/XXXX. Beginning last summer XX/XX/XXXX, i received a notification from the XXXX Department of Taxation for unpaid taxes. My mortgage payments include the property taxes to be held in escrow every month. I have never missed a mortgage payment so I was surprised to see the taxes remained unpaid. I tried calling and emailing XXXX several times since to no avail. Every time I am actually able to get a representative or " Manager '' on the phone, the common response is they will look into it and get back to me ... It is now XX/XX/XXXX, i still havent ' received an answer and I have now had 2 requests from the XXXX Department of Taxation for unpaid/delinquent taxes ''. I am also being charged interest on the unpaid taxes. If possible, please help me because I'm afraid a lien will be placed on the property if the taxes remain unpaid. It's unfathomable a bank or any financial entity can receive mortgage payments yet be remiss in paying taxes on accounts that have been set up to whole these payments in escrow.

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 12/21/2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (CO).
Issue: Settlement process and costs

Complaint: Release of Deed of Trust for Beneficial Mortgage Co Colorado Record Date XXXX/XXXX/XXXX Document Type Deed of Trust XXXX XXXX, Colorado XXXX XXXX Request for Release of Deed Of Trust. 
This Deed of Trust has not been released per my conversation with XXXX at XXXX XXXX Colorado XXXX and Recorder XXXX XXXX, XXXX. 

A phone call placed to Customer Resolution Department at HSBC Beneficial Representative XXXX was responded to with how did you get this number which I explained from a letter when I attempted to explain the problem she informed me they had addressed the issue of my previous complaint. 

I also sent a letter and a copy of the XXXX XXXX XXXX Verified Report by Certified Return Receipt have received the Receipt it has been received in their office and still I have no resolution to the Release of Deed of Trust for " Recorded Deed of Trust : Reception No : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: APR or interest rate

Complaint: Initiated contact via written notification of billing errors on XXXX XXXX 2015. Citibank failed to acknowledge and to respond to our Fair Credit Billing act dispute letter. Certified letter was recieved by Citibank of XXXX XXXX, confirmed via recorded telephone line. Contacted citibank multiple times and failed to return call after asking to investigate verbally as well. Last correspondence was via phone on XX/XX/2015 and citibank account manager refused to investigate, escalate, or resolve issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was directed to this site to request a file disclosure from each nationwide credit bureaus and from nationwide specialty consumer reporting agencies. My files contain inaccurate information and I am exercising my right to this request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My name is XXXX XXXX. I am filing this complaint because Transunion is refusing to update my XXXX XXXX XXXX collection accounts as paid and settled. The account numbers are : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. I settled with XXXX XXXX XXXX and paid off these accounts months ago but for some reason, Transunion has been the only agency who has not updated these accounts to reflect as " paid ''. It has been over six months of back and forth disputes with Transunion and they have not resolved my issue. I am including a section of an XXXX only report which shows how all six of these accounts are reflecting as paid and settled accounts. What is wrong with Transunion and why ca n't they update my accounts properly? I do n't see how this is so difficult. What makes this all the worse is that they have been writing to me in their letters asking me to call the creditor to verify the information being reported. I do n't need to do that because I know these accounts have been paid and settled. I did it myself. XXXX  and XXXX would n't be reporting them as " Paid '' if this was n't so.

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 03-10-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: EXPERIAN keeps reporting an inaccurate Bankruptcy on my credit report. When disputed the information, I kept getting AUTO GENERATED letters that information was verified with the furnisher thus it should stay on the record. When contacted furnisher- US bankruptcy court XXXX california-they confirmed in writing that they DO NOT REPORT OR VALIDATE any information to none of the bureaus ... VERIFICATION BY EXPERIAN WAS A LIE, AND UNTRUE STATEMENT ON THEIR BEHALF. 
Second, when completing a public records search for the case # reported it was proved that NO SUCH CASE NUMBER EXISTS. 
Both of the supporting documentations were provided to experian numerous times but I kept getting an AUTO RESPONSE letters one after another in identical format with different dates. When trying to call EXPERIAN, it was impossible to speak to a live representative after being on hold for 2.5 hours.

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 04/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: TO Make the Story short I was Scammed by   XXXX   XXXX   XXXX   previously called   XXXX   XXXX   XXXX   located in NEW YORK who 's charged my upfront fees to Settle my credit card debit and kept my credit card in their possessions and charged my cards fraudulently and never paid my debit pls see Email attached As a result  American express credit cards  was charged off under my name and my SSN I kindly SETTLED those ACCOUNT to move forward in life and be happy and when i tried to apply f or american express card s i was disqualified and denied credit for CHARGE AND CREDIT TYPE of cards MY WIFE   XXXX   XXXX   XXXX   Add me as an Authorized user on her   XXXX   XXXX   XXXX   credit card for   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  CREDIT CARD FOR   XXXX   XXXX   XXXX   XXXX       Since she add me in  XXXX  and AMEX has BEEN ALWAYS DENYING CHARGES when i called in to discuss with them last  XXXX   XXXX  about some charges as an authorized USER and i told them she is my WIFE they did the following AFTER they IDENTIFIED ME ( SPOKED WITH  XXXX   )  from  Credit DEPARMTNET Transfe red her account to the Financial REVIEW TEAM within their CREDIT department Who Conducted a very RUDE Financial REVIEW / INVESTIGTION as we call it by  XXXX   XXXX  she asked about the growth income from our TAX RETURN but she DID NOT consider our TAX RETURN DOCUMENT because it SHOWS A HIGH GROWTH INCOME, and she chosen to call my BANK TO VERFY the Balance at that time on  tw  o accounts we use to PAY AMEX, th en she used the BEGINNING BALANCE of  XXXX  to put a limit on the account because they have a problem with me previously as  XXXX  EVEN THOUGH i SETTLED and cleared the issues A devastating Financial REVIEW was conducted asking personal QUESTION of Who 's own the COMPANY and the NATURE of Business and WHAT IS THE RELATIONSHIP TO   XXXX   XXXX   XXXX   With me   XXXX   XXXX   XXXX   Discrimination TOOK PLACE TOOK PLACE and unfair Decisions causing us inconvenience and   XXXX   XXXX    Supervisors Could not help except by saying your bank account have couple  XXXX  and not a  XXXX  the is why we limit you account you are no longer enjoying NO PRE SET LIMIT ANY MORE we STILL CHARGE YOU ANNUAL FEES {$170.00} WE CAN CANCEL YOU ANY TIME you CAN CANCEL AND WE GIVE YOU REFUND FOR ANNUAL FEES BUT JUST CANCEL   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was sold a short time later to Pacific Union Financial, and serviced by XXXX. Everything was fine until the servicing transfer to Pacific Union Financial. Every payment was made on time and in full. Pacific Union Financial sent us a letter, demanding almost {$2000.00} to " catch up our escrow account ''. I immediately called the servicer and they explained that our escrow balance was short, but they could not explain why. It was balanced at the beginning of the year, and the monthly escrow payment XXXX is more than the amount of our taxes and insurance. They offered to send me a pay history to help me figure it out ( I thought that was their responsibility ). I asked them to note that the escrow account shortfall was in dispute, while I researched the pay history and that we would reconvene as soon as I had a chance to review their documentation. The documentation took three weeks to arrive, and it came when I was XXXX XXXX, so I did not have a chance to review it immediately. There was no further contact or instructions. This morning, someone stating they were with Pacific Union Financial called me at XXXX demanding payment in full of the escrow shortfall or my agreement to a new monthly payment that is nearly {$300.00} more. I explained to her that I had previously spoken with someone and that we were investigating the shortfall. She stated that if we did not immediately pay the increased amount, that it would be recorded in our history as a short pay and that negative information would be reported to the credit reporting agencies. I explained to her that this is inappropriate, because I had not had enough time to review their documentation and that I considered their request to be disputed. At that point she became very argumentative with me -- threatening all sorts of XXXX and raising her voice. The call went over an hour with a very argumentative and harassing tone. We have never missed or short-paid a mortgage payment, since our first home was purchased over 20 years ago. We have an excellent credit history and payment history with this company and for them to use strongarm tactics and threats is very disappointing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: All XXXX credit bureas are reporting XXXX bankruptcies on my credit report. I never went through with these bankruptcies. They were both dismissed and I do not think it is fair that they are reported on my credit report. I attempted disputing the information several times but the bureas say, nothing has changed from my earlier dispute. I really would like these XXXX items removed from my credit report because they are items that never commenced to any legal proceedings or collection of debt. Please help me have them removed. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Billing disputes

Complaint: My now exhusband jointly held a usaa XXXX credit card with me and we accumulatedcabiutv XXXX debt. In court divorce debt not allocated even though through freedom debt he said he paid this and only later said he pulled out and they were suing me by his name was not on the card. It was he had it removed them filed with frredom debt then they erroneously sued me. He signed a contracact taking on that debt. Now there is a judgement on my record that 's incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NC).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I phoned Chase Bank in order to apply for their advertised Chase Sapphire Card which has a number of Bonus Points attached to the use & payment of said card.
I have had this particular card in the past and chose to Cancel it after a while as I did not spend as much money ( in Retirement ) as I once had.
As it turns out, I am building an addition to my home and will be spending a LOT in the next few months, so I want this card. My credit score is certainly high enough as I know it is over  XXXX  pts. and I have very little outstanding debt. So little that I could pay it off at any given time if I chose to do so.
So, one week ago I applied on-line for this card and was told I could not be approved. I BELIEVE this must be because I am older and retired and they do not think I will spend enough money or something. Whatever their reason, I am certain I qualify for the card in accordance with their own criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (VA).
Issue: Taking out the loan or lease

Complaint: Company response to previous CFPB complaint, raised additional issue. 
Although my prior CFPB complaint with the company was responded to swiftly, the comlaint was closed without addressing the issues. 
The company miscategorized the previous complaint as being focused on whether or not I liked the vehicle and was able to voluntarily enter into the agreement when buying it. 

This raises additional issues, and as CFPB closed the prior complaint, it appears I must enter a new complaint to address these XXXX issues. 

Although I very much like the car, now that the Company 's prior response has raised the issue of whether or not I voluntarily entered the sales agreement : Oklahoma law seems to limit " who may contract '' in title XXXX, of oklahoma state law codified. 
As the company has chosen to make this the issue, I am deeply concerned that as a consumer who has made all payments in a timely manner, that I will be unable to keep the product purchased ( a 2013 XXXX ) simply because of having been adjudicated as insane. 
Since the Americans with XXXX act includes persons regarded as having a XXXX as protected by its provisions, I feel as though the company may be handling my complaint in an unlawful manner. 
Would a consumer not regarded as being XXXX have their complaints addressed properly instead of having the complaint issue in focus being shifted to their ability to enter into a contract or perform other daily life activities.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Debt collection (Mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: US Bank National Association Has served me twice XXXX CA XXXX XXXX CA XXXX Its 2016 and nothing is resolved we did meditate they cant make their minds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX keeps telling me that they contacted XXXX XXXX XXXX XXXX to remove the information since XXXX of 2017 I have call them month after month and XXXX and Equifax have yet to remove the wrong information and when I got the letter from XXXX XXXX XXXX I disputed the letter within the 30 days by law.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This complaint is not an acknowledgement of the debt, and is not an indication that payment will be made. The goal of this complaint is to bring forth a FCRA violation by XXXX, XXXX, Equifax, XXXX ( original creditor ) and XXXX ( or XXXX ; collection agency ). 
I currently have a {$6400.00} collection from XXXX XXXX ( aka XXXX ) illegally appearing on my credit reports. The Original Creditor of this account is XXXX. Upon reviewing my ENTIRE statement history from XXXX ( attached ) it is clear that the date of first delinquency of this account is on or before XXXX XXXX. By the XXXX XXXX report, the available credit limit was {$0.00} - in other words, my credit had been REVOKED, as the account was in serious delinquency. This date explains why the XXXX tradeline does not appear in any of my credit reports. However, the XXXX XXXX tradeline appears since it misrepresents the date of first delinquency. Based on the date of first delinquency of XXXX XXXX, the tradeline should appear on my credit reports until XXXX XXXX. I am writing to request that the credit bureaus ( XXXX, Equifax and XXXX ) immediately delete this tradeline. I am also writing to request XXXX ( as required by law ; and as the original creditor ) to instruct the credit unions and XXXX XXXX to stop reporting this tradeline. I am also writing to require XXXX XXXX to immediately stop reporting this tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I pulled my Credit Report and found XXXX XXXX put a charge off on my credit report for the amount of $ XXXX.on the date of XX/XX/XXXX I wrote XXXX XXXX a certified letter asking for validation that is competent evidence bearing my signature. 

XXXX XXXX revived the certified letter on the date of XX/XX/XXXX. 

XXXX XXXX responded on the date of XX/XX/XXXX stating that they were not a debt collector but the original creditor and they do not mark credit reports as disputed in the 30 day period. XXXX XXXX never provided me with the validation I requested. 

On the date of XX/XX/XXXX I wrote another certified letter to XXXX XXXX stating that they did not validate the debt in question via bearing my signature. 

XXXX XXXX received the second certified letter on the date of XX/XX/XXXX I never received a response to the second certified letter. 

On XX/XX/XXXX I pulled my credit report to find out if XXXX XXXX had marked my credit report as disputed. And found that XXXX XXXX had not marked my file as disputed, and as to this day of XX/XX/XXXX my file is not labeled disputed. 

I sent a third certified letter to XXXX XXXX on that date of XX/XX/XXXX notifying XXXX XXXX they did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by Federal law to  place a " notice of dispute '' on my account within 30 day of my dispute, in which they signed for on XX/XX/XXXX. I retained a copy of their signature and date of receipt, as well as a time stamped copy of my credit report, showing that XXXX XXXX has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and / or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
XXXX XXXX received the third certified letter on XX/XX/XXXX And yet again XXXX XXXX has failed to respond to the certified letters I have sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (NC).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, 2015 I deposited {$200.00} into the Fifth Third Bank ATM on XXXX XXXX XXXX XXXX, in XXXX, NC XXXX. During my deposit the ATM shut down while taking my money. I immediately went into the bank and explained what had occurred to the bank manager. The manager stated that the bank would give me a provisional credit in the amount of the deposit, which they did within the next business day. However, on XXXX XXXX, 2015 I checked my balance and found that the bank had debited back out the same amount. I called the Dispute Resolution Team at XXXX and was told that someone would give me a call. I received a call from the Dispute Resolution Team Member ( XXXX ) on XXXX XXXX. He stated they would view the video tape from the ATM during the time I made the deposit, and if it was observed that I was making a deposit into the ATM, then I would be again credited money back into my account. He stated I would receive a call back within XXXX hours, which would have been today, XXXX XXXX. I still have not received a return call.

Company response to consumer: Closed with explanation