milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/13/2016 about Consumer Loan (Installment loan) with GreenSky Trade Credit, LLC (CO).
Issue: Taking out the loan or lease

Complaint: A loan was taken out in my name. I was sent a letter saying I had taken out the loan when I had not. I called to learn more and was asked to provide my social security number, I did not. Then I got a letter saying I owed on the loan I never took out. I wrote the company to dispute the loan. I then got a letter saying I would be reported as not paying the debt. The debt was on my credit report. I disputed this in writing, filed a police report, put a fraud alert with the credit agencies. The company is Greensky Loan Services. Located in XXXX, GA. The company number on the credit report does not go to a working number. However, after I called, someone called me back and said they had received 1 of my written disputes. They again asked for my social and asked me to fax the police report. I did this. It seems odd that this company created a debt, and reported this to the credit agencies. It may be a case of stolen identity, or it may be a scam by this company Greensky.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other

Complaint: I have once again been locked out of my citi bank credit card access. This is the second example of this happening to me in the last six months. I previously had to cancel my XXXX XXXX XXXX XXXX due to the poor design on citibank 's web portal. The first instance was on XXXX XXXX of 2015. I was kept on the phone for over an hour and was refused assistance which resulted in me cancelling the card. 

Today I phoned in again as instructed by the web portal to XXXX, I spoke to XXXX, agent ID XXXX. She deleted my login and asked me to re-register. I was then once again unable to re-register the card. She refused to have someone call me back at a later time and gave no other solution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In reference to XXXX XXXX # XXXX account. 

This is my FIFTH REQUEST asking you to remove the unverified account. I have disputed this account several times online and in writing with no resolution. This account still remains on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? 
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed account which means that you have NOT verified or you can not verify this account and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or 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 09-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Recently you won a law suit against Green Tree Servicing. I just wanted to inform you that the company who took over for them are in violation of the same thing that Green Tree was found guilty for. To this day they have called and threatened my family members, my employer, released information to them about my loan. They also threaten by phone and letters. They also charge a convenience for payments. Just because they changed their name from Green Tree to Ditech did not change the way they treated the consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: NationStar has repeatedly made erroneous charges to our mortgage account, continue to bill us for tax and insurance escrow though we pay our taxes and insurance directly to providers/county and they have reported inaccurate information to the credit bureaus ( ie. stating our account was discharged with a bankruptcy when it was not, showed our account paid in full when it is not and then ultimately deleted the reported account entirely rather than correcting it when a dispute was filed ). NationStar 's practices seem predatory and their telephone staff spend an enormous amount of time transferring us with no resolution to issues.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TransUnion Consumer Solutions XXXX. XXXX XXXX, PA XXXX ATTN : Legal Department Re : File No. XXXX I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within XXXX business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX CTY MUNI CT ( Docket # XXXX ) ACCT. BAL : {$250.00} This account has been paid in full. Please delete. 
XXXX. ACCT. NAME : XXXX XXXX XXXX ( ACCT. # XXXX ) ACCT BAL : {$6800.00} This account was charged off. Please delete 3. ACCT. NAME : XXXX XXXX XXXX ( ACCT. # XXXX ) ACCT. BAL : {$420.00} This account has been charged off. Please delete. 
XXXX. ACCT NAME : XXXX XXXX XXXX ( ACCT. # XXXX ) ACCT BAL : {$440.00}. This account has been charged off. Please delete. 
XXXX. ACCT. NAME : XXXX XXXX XXXX ( ACCT. # XXXX ) ACCT BAL : {$1200.00}. This account has been charged off. Please delete.

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 10/13/2015 about Consumer Loan (Vehicle lease) with FORD MOTOR CREDIT CO. (FL).
Issue: Taking out the loan or lease

Complaint: In XXXX I received a letter in the mail from Ford. The letter contained my lease account number, make, model, year and balance of my current leased vehicle. The letter also had an offer from Ford - in large letters : Enjoy new. NowBuy or lease a new vehicle with Ford Credit and Ford will make up XXXX payments on your car lease. XXXX See letter from Ford attached ) Based on this letter, I went to Ford and turned in my car 3 months early, leased a new Ford and financed through Ford credit. The payments on my XX/XX/XXXX Escape were {$240.00} ; payment on my new lease vehicle, a XX/XX/XXXX Escape is {$570.00}. 
At time of purchase I asked about the {$740.00} due to me from Ford. I was told by finance at Ford XXXX that since I had already paid all my lease payments in advance Ford would issue a refund check ; that never happened. I have made over a dozen calls to Ford Credit, XXXX XXXX and the Ford dealership and all they do is point fingers that it was someone else 's responsibility, not their department. On XXXX separate occasions, and by XXXX different people I was told the check was in the mail, it never came! 
Last week the sales manager for the Ford dealership I purchased the car from told me he was equally as frustrated with Ford and even their dealership could not get to the correct person or get any consistent answers. I am about to make my third car payment, now I am told not to expect Ford to live up to their commitment to me. 
I purchased this vehicle solely based on the Marketing letter of early termination from Ford. I have been cheated and mislead by Fords false and misleading advertising.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-04-2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (SC).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX of XXXX, we notified XXXX XXXX XXXX that we were abandoning our home due to job loss and relocation. We filed for Chpt XXXX bankruptcy. The bankruptcy was discharged in XXXX of XXXX. XXXX filed for exemption from the bankrupcy. We listed the property for sale after coming to agreement with XXXX for a short sale. We received a full cash offer for the home at the appraisal price. XXXX then sold the loan to Penny Mac. Since XXXX of this year we have provided paperwork to Penny Mac to again initiate and seek approval for the short sale to the same buyers. We are now receiving collection letters from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NJ - the letter asks for XXXX and says " Your creditor is XXXX XXXX XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: After reviewing my credit report in detail XX/XX/2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 

Accounts in question are : 1. XXXX ( over 7 years ) 2. XXXX ( I do n't owe anything, says on my report {$63.00}?? simply not true ) 3. XXXX ( i believe we first became late of 7 yrs ago ) 4. XXXX ( I was first delinquent with ORIGINAL CREDITOR over 7 years ago ) 5. XXXX ( i was first late over 7 years ago ) ( very sure ) 6. XXXX ( i was first late over 7 years ago ) Thank you for your time and i 'm looking forward to getting this resolved. have a great day.

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 04/19/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I received a copy of my credit report today from my bank in relation to a car loan application. The credit report showed a tax lien on it. I completely paid off that tax lien over 12 months ago. I contacted XXXX, Epererian, and XXXX and all of them said that the tax lien still shows on their records. All three were helpful and courteous. I called the Idaho Secretary of State and informed them that the XXXX credit rating companies stated that the XXXX has to send each of them the information that the lien has been settled and paid. The Idaho XXXX office said that that statement is not true, and that the XXXX credit agencies are required to update their files by contacting the XXXX office periodically. So here I am caught in the middle of the credit agencies and the Idaho XXXX XXXX XXXX saying that it 's neither of their responsibility to make sure that my credit report and scores are up to date, in this case, that my credit reports issued by XXXX XXXX and Experian no longer show the tax lien. So this is a complaint against all XXXX credit bureaus in that they are not regularly updating their systems to show that things such as tax liens are not removed from their computer systems so that the credit reports they issue to financial institutions show that I no longer have a tax lien. If the XXXX credit agencies are not required by law to periodically update and ensure that their reporting records are accurate and up to date, then a law needs to be passed that requires them to do so. This is outrageous that a consumer who meets their obligations with respect to paying off their liens or other debts have to go through the endless efforts of contacting each of the XXXX credit reporting agencies and file a complaint so that they remove those liens/debts from their records. Thank you in advance for taking the time to address my complaint. 
XXXX 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 03-09-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX/XXXX/XXXX, I was served a lawsuit from Midland Funding. When I received the lawsuit, I observed that Midland Funding is suing me for an account stated, attached is the lawsuit with its exhibits. Midland included an alleged copy of a statement that does not show any charges nor any calculations regarding how those costs accumulated. I never had an account stated with Midland Funding nor anyone else. On XXXX/XXXX/XXXX, I mailed Midland a debt validation letter requesting all the account statements showing the purchases that culminated in the amount allegedly owed, credit card agreement with interest rates, all the interim and yearly disclosures from the credit card company, etc.in order to calculate the alleged amount owed, debt validation letter is attached. I also filed a Motion for Enlargement of Time and a Notice of Dispute in the state court. I faxed a copy of the debt validation letter to CFPB on XXXX/XXXX/XXXX, which is also attached. I had to attend a pre-trial conference on XXXX/XXXX/XXXX for this lawsuit. When I arrived, with a friend, there was NO JUDGE!!! I spoke to Midland 's attorney and they said I had to go to mediation in two months ' times and I told them that the debt had not been validated, docket is attached. I received a letter from Midland dated XXXX/XXXX/XXXX wherein they attach the same statement and exhibits attached in the state complaint. There are no statements that show what was purchased nor how the amount and interest rate was calculated. There has been no debt validation and Midland is trying to circumvent the Consent Order it has with the CFPB. Midland is abusive and discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Trouble during payment process

Complaint: My first mortgage payment with Bank of America was due XX/XX/XXXX. I scheduled a payment transfer for that date from my BOA saving account to my mortgage account. On the date the payment was due I noticed the money was not withdrawn for my account nor did I see any pending payments on the mobile app. Therefore, I made a transfer from my savings account to the mortgage account. Since then I have received numerous letters stating I missed my payment and can be taken to court. When I called customer service I was told I had insufficient funds in my account when the payment was processed and will incur fees. Again, I transferred {$1100.00} from my BOA savings to my mortgage account on XX/XX/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 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My identity was stolen 5 years ago, and since then has been used to open up a number of wireless accounts, credit accounts, and bank accounts. I have worked extensively with other bureaus to clean up my reports but Equifax will not remove these items. 

They have been given the FTC identity theft report, and the police report but these items have remained on my report incorrectly for month. I have filed repeated with success. The remaining unauthorized revolving/collection accounts are : XXXX XXXX/XXXX XXXX XXXX XXXX ( A previously removed account was sold to them ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Who already sent a letter confirming fraud ) XXXX XXXX ( another account for some reason ) The following unauthorized inquiries were also included : XXXX XXXX XXXX XXXX ( I have never had an account ) XXXX XXXX ( Never had an account ) XXXX ( I have never had an account ) XXXX XXXX XXXX ( Never had an account or heard of them ) XXXX  ( Never had an account ) XXXX/XXXX ( Never had an account ) XXXX ( this account was confirmed fraud by them ) XXXX ( this account was confirmed fraud by them )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Making/receiving payments, sending money

Complaint: I have been using chase online bill pay to submit rent payments to my landlord for over XXXX years. XX/XX/XXXX my landlord told me that he has not received my check ( i had set it to autopay with my bank ) I contacted chase and asked them what happened to the check, they told me that it was cashed by someone on XX/XX/XXXX. I sent this information to my landlord and proof of an image and he said that he has not cashed it and it seems like someone stole the check. 
I contacted chase and opened a claim immediately, chase asked me to send in a notarized for with all the information and once I did that they would start working on the claim. I sent all the paperwork in and called up chase claims, they told me that it would take a minimum of XXXX and they are doing me a courtesy by filling a claim and they will try and help out, but they can not guarantee anything. My issue is that chase printed out the check and mailed it, they said that it has already been cashed, but they do not have any information on what bank it has been cashed with. They are holding onto my funds for XXXX days and my landlord wants another rent check. My rent is pretty high and I do not wish to use my savings for this. Why is the bank taking this long to solve a claim? How was the check encashed when by someone else when it was not in their name.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Mortgage (Other type of mortgage) with Dovenmuehle Mortgage, Inc. (CA).
Issue: Closing on a mortgage

Complaint: My loan was paid in full XXXX I have a letter from the company and a certified check to prove that, I went to the county clerks office XXXX and was told they have not submitted anything they are still listed as a lien holder. I contacted the company they told me there was an error on the paperwork and it was sent back and they would send it to another department to work on it ..i told them if what they were saying was true then why does the clerks office have no record of it and why have they not attempted to contact me, she didn't know and could not tell me what the error was. I told her it's been almost 4 and a half months and they have not removed their name off my deed I should not have to wait for someone to maybe get to it this is well over a 90 day time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Bank account or service (Savings account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: I had applied for a CitiGold Checking account on XXXX/XXXX/XXXX under a promotional offer. The promotional offer stated that I would receive XXXX XXXX XXXX Advantage miles by spending {$1000.00} on my debt pin-enabled card in transactions within 3 months from account opening. I also needed to make XXXX bill pays with the account in separate months. I completed all of the requirements within the three-month time frame ( completed on XXXX/XXXX/XXXX ) and then confirmed multiple times with the consumer service team at Citi that I was eligible and had met the terms of the promotion for which I signed up for. 

I have saved documents of my communication with the Citi costumer service representatives.The promotion states that XXXX XXXX miles will be credited to your account within 90 days from meeting the promotional requirements. Since I met the requirements on XXXX/XXXX/XXXX and it is now past the I am now filling a formal complaint to expedite the process of receiving the the miles Citi has not given me as a result of the Citigold offer.

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