milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: CFPB Complaint XX/XX/XXXX CFPB Complaint Transunion and a request for a consumer statement be added to a specific account. And/or deletion of the account if it was not the account as listed by the evidence provided by consumer. 

On XX/XX/XXXX I requested a consumer statement be added to the only XXXX Card reporting on my credit report. I fax this request to Transunion on XX/XX/XXXX through ring central. I provided a copy of fax verification. As of printing of my credit report on XX/XX/XXXX it showed no investigation and no change for this account. 
I have requested other consumer statements and always received a quick response. 

Consumer Statement is as follows " XXXX XXXX XXXX XXXX an agent of XXXX XXXX agreed to terminate collecting on this account on XX/XX/XXXX. XXXX XXXX was included in CFPB Complaint XXXX that resulted in XXXX terminating collection efforts. On XX/XX/XXXX XXXX sold the account to XXXX XXXX XXXX XXXX '' I provided a copy of the CFPB complaint # XXXX and related case XXXX that XXXX XXXX XXXX agreed to cease all collection XXXX XXXX, XXXX and a letter from XXXX XXXX that sated the sold the account to XXXX XXXX. On XX/XX/XXXX. 

I further requested that if the information reporting by XXXX XXXX XXXX did not match the account and evidence that was provided. Including a sign letter from XXXX XXXX XXXX, that the account be deleted. No changed resulted in my request not even the consumer statement being added to the account. 
I only have XXXX XXXX XXXX Card. Does the furnisher name not match is that why my consumer statement did not get added? 
This time I am including the first statement for this XXXX XXXX Card, again I only have XXXX account. I do not have any other accounts with XXXX XXXX XXXX. 

Could I please get the consumer statement added to my XXXX XXXX XXXX, I only have XXXX account. 

Thank You I have attached the original fax request XX/XX/XXXX A copy of the page showing XXXX XXXX XXXX reporting on Transunion report file number XXXX report date XX/XX/XXXX No investigation comments have been added to this furnishers ' reporting. 
A copy of XXXX XXXX XXXX first statement for the only account I have under a XXXX XXXX name. 
A copy of letter from XXXX XXXX XXXX, dated XX/XX/XXXX XXXX referencing a XXXX XXXX XXXX as the Creditor and the account ending in 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 explanation
Consumer complaint received 03-07-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo Home Mortgage is the servicer of my loan. Wells fargo Home mortgage has given me the runaround with the process of approving the short sale of my home. Wells fargo Home Mortgage has kept me in the dark about the status of my Short Sale request. Wells Fargo Home Mortgage has burdened me with excessive paperwork. Wells fargo Home Mortgage has have me filled out excessive number of documents. Wells Fargo Home Mortgage keeps on telling me that they did not received the paperwork after I sent them multiple times in multiple ways ( email, fax ). Wells Fargo Home Mortgage Employee in charge of the file when on vacation for about two weeks leaving everything on hold. When wells Fargo Employee returned from vacation, Wells Fargo Employee issue a denial of short sale letter. Wells fargo keeps on giving me the runaround.

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 03/20/2017 about Credit card () with CITIBANK, N.A. (MA).
Issue: Billing statement

Complaint: I opened a Home Depot Credit Card account. Months later I bought counter tops. 
When I purchased the counter tops I used a 24 month promotional loan. 
The account had to be " switched over '' to the promo. I was told to check my statement the next month and if I did n't see the promotional terms to return to the store so they could " fix it ''. The conversion did not take place so I returned to the store. I had the account converted and was told I was allset. I waited for a new statement. I received a notice reading I was 30 days late on payment. I did n't pay the incorrect statement, and did n't have a corrected statement so I did n't pay anything as I was n't sure how much I was supposed to pay. At first I thought I lost a bill because I found all of this to be sort of confusing, but I easily could 've paid them had I known they wanted some type of payment. No one made it clear that payment for an incorrect billing term was expected.

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 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: on XXXX XXXX, I sent a letter to the credit bureaus requesting an investigation on 5 accounts. Almost 60 days later, and none of them have responded. I have sent follow-up letters to inquire for the reason for the delay, and those have also gone unanswered.

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 06-10-2015 about Mortgage (Home equity loan or line of credit) with SUNTRUST BANKS, INC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: We have been behind on our Home Equity Loan with SunTrust. We have been working with them on the XXXX mortgage as well as the home equity loan, but despite all the hoops we have jumped through for them, they have turned us down for a loan modification. Funny thing is that after they turn us down, they send us a packet saying they want to help us!!!! Now, we have finally found a way to get caught up on our XXXX mortgage, and I called the same bank -- Suntrust -- to get caught up on our home equity loan and they informed us they have charged off the loan because we are five days late. WHAT???? Yet, they accepted a {$300.00} payment last month ( XXXX ), a {$500.00} payment just went out, and I am holding in my hand a bill from them saying our due date is XXXX XXXX. How on earth can a bank charge off a home equity loan without sending out some sort of certified mail notification? I am shocked and disgusted by SunTrust. We have been battling with them for over a year over payments they have returned, causing us to be late ( we have proof from our bank but they wo n't admit they returned the money ) -- we finally caught up and now they are trying to charge off our XXXX when we have been sending money every month and are now literally sitting on the phone trying to get caught up. They are a joke and the whole idea of " let us work with you and help you keep your home '' is a fraud. I hope the CFPB can help us to hold them accountable for either their stupidity and incompetence or downright inhuman treatment of hardworking people trying to do the right thing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (PA).
Issue: Making/receiving payments, sending money

Complaint: XXXX XXXX XXXX ( Mortgage Loan ) and TD Bank f/k/a XXXX did a loan with my fraudalent mortgage loan and TD Bank cashed my check to mortgage officer without my knowledge. I have submitted a civil lawsuit in 2012 and nothing has been done at all. 
No response, no action has been taken on the situation. The amount of the check was {$120000.00} ( supported document attached ). 
XXXX XXXX XXXX approved a loan that should of never been authorized by the false documentation submitted on the application. 
XXXX at XXXX XXXX XXXX XXXX XXXX Pa had felony convincts who were working undercover on the mortgage loans ( under house arrest ) without our knowledge and did ponzi schemes, wire fraud, mail fraud, money laundering, racketering, theft by deception, theft with dishonety, bad checks, theft by disposition of funds, ( XXXX ) this felony convinct has been caught in XXXX different counties if Pa. as well. 
XXXX XXXX XXXX XXXX ) same charges as well. 
XXXX XXXX XXXX & TD Bank have not responded with any remorse for their actiions.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Payday loan, title loan, or personal loan (Payday loan) with Kovach Law Firm, PLLC (TX).
Issue: Charged fees or interest you didn't expect

Complaint: While making a purchase I was notified from my bank that my account had been frozen due to a lien and to contact XXXX XXXX XXXX. When I contacted XXXX XXXX XXXX, I spoke to XXXX XXXX, whom had informed me that a default judgment had been filed against me on behalf of XXXX XXXX  Payday loans. I had taken a payday loan out in XX/XX/XXXX, and made a few payments, but lost my job and the bank account ; so I could not make the payments. I tried to make arrangements with the company, but XXXX XXXX refused to work with me. In XX/XX/XXXX I am notified that they filed a lawsuit, because the attorney had put a hold on my child support payments ( which is illegal in Texas ). XXXX XXXX XXXX refused to lift the hold until I signed an agreement. I originally took out a {$750.00} payday loan, but now the charges had gone up to XXXX with excessive fees and interest. I did not attend the court hearing because I was never served and was totally unaware of this. The lawsuit was filed in a different precinct than where I live, with XXXX XXXX in XXXX XXXX, XXXX XXXX. I asked for a copy of the original lawsuit and XXXX XXXX XXXX has not provided this to me, just a statement of what the total amount is now due.

Company response to consumer: Untimely response
Consumer complaint received 05/20/2015 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: Toyota motor credit is reporting XXXX $ owed on a charge off account. This account was included in my bankrutcy. I surrendered the vehicle to Toyota Motor credit. I have asked for specifi documentation as to how they came to the amount being reported of XXXX $ -If the car was sold I would like a break down of what the car sold for and how Toyota XXXX to this large amount being incorrectly reported on all XXXX of my credit reports. I do want validation of debt. I do want validation of amount being reported and a break down of how they came to this amount as well as written documentation of what they received for the car once it sold.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Requested a verification of the debt and did not get one. Instead i get a negative remark placed on my credit report for late payment. I never owe this company and it is unfair to place a negative remark on my credit report without verifying the debt. My credit score was impacted by this.

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 04/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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 issue is with Experian. I've written 4 dispute letters in regards to the following accounts below. I asked on 3 different occasions for their method of verification showing this is my debt. I continuously just get a letter saying verified. 

XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX I received a letter stating they will no longer reinvestigate these accounts again.

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 03-01-2017 about Debt collection (Credit card) with Lustig, Glaser & Wilson, P.C. (MA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: summons served at the address of my parents ' house, which is not my place of residence or where I opened the account. I live in XXXX ( XXXX ). Currently being sued in XXXX without representation and my counterclaim based on the improper service was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: BANK OF AMERICA HIRED XXXX TO SKIP TRACE ME AND FAMILY MEMEBERS TO LOCATE ESTRANGED BROTHER AND SISTER -IN-LAW, WHILE VIOLATING OUR PRIVACY AND HARASSMENT VIA PHONE, ( SEE ATTACHED INFO ) ALL ARE IN VIOLATION OF FDCPA AND TCPA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I checked my credit report and discovered a collection account on my Experian report for {$480.00} from the company XXXX XXXX and on my XXXX report for the same dollar amount from the company XXXX XXXX and XXXX. Both of these companies listed the same address. I knew nothing about this collection so I requested validation of the debt via certified mail to XXXX on XXXX/XXXX/15 and XXXX XXXX XXXX XXXX on XXXX/XXXX/15. I have yet to hear a response although the collections are still showing up on my credit reports. I have disputed the information twice with Experian with results stating that the collection remains. I have also disputed the information with XXXX but have not gotten a final response. Even though Experian 's final response is that the collection remains, I still have no idea what this is for or when it occured. The account on my credit report shows this was opened on XXXX and that it 's a medical debt, but I, nor did any member of my family, have any medical appointments or otherwise in XXXX 2015. At the very least, this information is incorrect. I would like to have this information validated and for the information removed from my credit reports until it can be as I have no idea that this is even my debt to pay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/20/2017 about Mortgage (Conventional home mortgage) with Dovenmuehle Mortgage, Inc. (AZ).
Issue: Closing on a mortgage

Complaint: This is in regards to DMI mortgage/http : //www.dovenmuehle.com. A simple payoff statement has been requested XXXX XXXX. Not received, requested another XXXX XXXX. I still have not received a payoff statement as requested by mail twice. Issued a notice of error via certified mail. They have not contacted me in attempts to resolve the issue promptly. I have received a mortgage payment receipt from them this month. Proving no issue with address or demographic information. DMI has failed to provide a payoff statement.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: XXXX XXXX ( # XXXX ) had my lease. Problem happen at the time of paying off my lease. Spoke XXXX XXXX multiple times on my pay off amount and refund amount of {$810.00}. Every time I spoke with them the representative gave me different info. Asked to speak with an manager on XX/XX/XXXX at XXXX CST the representative refused to let me speak with one and advised that a supervisor would call me back in 48 hours or less. I asked why in XX/XX/XXXX that a supervisor was not available and she said no supervisor was on the floor. I asked why is there no manger for a customer to resolve a customer compalint. I would like to see better training and technology to help customer get a better experience. Also I want to see managers available to take calls immediately Called back ( XX/XX/XXXX XXXX cst ) to speak to another representative asked to speak to a supervisor again refused to let me talk to supervisor. I reminded representative that the call was recorded and all my calls are recorded. 

I 'm asking for the CFPB request all phone calls of my account with XXXX XXXX to find out where my refund is and why no one XXXX XXXX can give simple answers.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (Medical debt) with Harvard Collections, LLC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Received let ter from Harvard Collection  in   XXXX   XXXX    Called and explained services were not performed, hospital had sent over paperwork to verify previously to original debtor. Send certified letter disputing with in  XXXX  days, never received any response. Was told it was  XXXX  account, credit report is showing  XXXX  accounts. My understanding the account was resolved, but now has been sold to another party that is trying to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Debt collection (I do not know) with D&A Services, LLC (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The company claims I owe a debt to someone and I have no clue as to what it is for. I have never had any dealings with the original creditor and I have looked through old bills and files and have nothing from them either. The debt collector also claims I was sent a notice 35 days ago but I have received no letter from them previously and this first notice I received also did not include anything about dispute. The creditor should use certified mail if they even sent a first notice to make sure I received it.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Debt collection (Payday loan) with Commercial Recovery Systems (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted by CRS ( Commercial Recovery Systems , Inc. ) about a debt they claim belongs to me in the amount of {$1200.00} for a payday loan. They would only tell me the year and amount of the debt and refused to give me any more information. I assure you this debt has nothing to do with me. They said that it was already handed over to their legal department and I would now be getting fraud charges added onto the pending lawsuit against me. They refused to give me any sort of documentation for this debt, and I have never received anything in the mail regarding this. I need these calls to stop.

Company response to consumer: Untimely response
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : XXXX ACC # XXXX XXXX ACC #  XXXX XXXX XXXX XXXX ACC #  XXXX XXXX XXXX XXXX XXXX ACC #  XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX ACC #  XXXX PLEASE REMOVED ALL THOSE FRAUD INQUIRE XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Miscellaneous XXXX XXXX Inquiry from XXXX XXXX, XXXX Telephone Companies XXXX XXXX Inquiry from XXXX XXXX, XXXX Credit Unions XXXX XXXX Inquiry from XXXX XXXX, XXXX Miscellaneous Utilitie s Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly.

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