milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-09-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with 21ST MORTGAGE CORP. (AE).
Issue: Loan modification,collection,foreclosure

Complaint: We are a military family XXXX. We purchased a home in XXXX XXXX XXXX in 2006. 3 years later we were sent XXXX. We could n't sell the home because the value had depreciated. We rented out for a few years, but after finding we would not be able to return to XXXX XXXX we began the short sale process. We have stayed current with our payments but our home has been vacant for a year. We 've used up all of our savings and are struggling to make ends meet. We currently have an investor who has made a reasonable offer on our home. We have XXXX lenders servicing our loan, unfortunately, XXXX of them, 21st Mortgage continues to increase the amount they 're willing to accept from the short sale. A couple of months ago we presented an offer to XXXX for the amount they asked for. We just spoke to a representative from the company and were told the lender increased the amount they 're willing to accept by more than half of what was previously asked. Letting the home go on foreclosure is not possible because of our status in the military. At this point we do not know how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The credit reporting agency will not allow me to file an additional complaint. 
The creditor on my credit reports is reporting my car load status is repossession. It should state paid as agreed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NE).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (DC).
Issue: Loan modification,collection,foreclosure

Complaint: My job relocated from XXXX to XXXX. In order to keep my position I accepted the new relocation. I contacted a law firm to assist me with a short sale. I could no longer afford to maintain a mortgage payment and rent at my new location. I sent monthly bank statements and check stubs to the lender to show that my income could not maintain the monthly mortgage payments. I obtained a relator to place my home on the market and received an purchase offer. GreenTree mortgage company drag this process over a year and decided not to agree with a short sale. Green Tree mortgage agent told the law firm that I went to XXXX to often and I could meet my monthly obligation. Green Tree mortgage were unwilling to work with me and drag this process for over a year. I wanted to meet my obligation but I could no longer afford this payment and meet my daily needs. I was trying to maintain my good credit standing by doing a short sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I need to file this complain due a negative court case still showing in my TransUnion Credit Report Case XXXX this case was file in court and collected from a collection agency XXXX, from a fradulent account, after the investigation was finalized, and was reported the unauthorized opening of the account XXXX acct # XXXX and found XXXX and XXXX has removed it, but TransUnion still showing in XXXX section this account as mine, I need to have those account removed immediatly / XXXX reports XXXX as collection/charge off {$3700.00} from XXXX XXXX, and same acct as reference XXXX circuit court {$1700.00}, it is same acct XXXX # XXXX case. the letters with the proof of investigation was given to both parties, but transunion is in violation of my credit report rights. XXXX XXXX # XXXX s.s.

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 06-12-2017 about Debt collection (Credit card debt) with JH Portfolio Debt Equities, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The collection compan y of JH Portfolio Debt Equities is  " re aging '' the account to add time to when the account is supposed to be deleted from my credit reports. This is a violation of my rights and is illegal under FCRA sectio n 605 ( a ) ( 4 ) and 622 ( 5 ) ( b  ) ( i ) respectively.   The account is a  XXXX  credit card account that was reported and the " Date of First Delinquency '' as  XXXX . The account then was sold on  XXXX   XXXX  to  JH  Portfolio Debt Services and the the " Date of First Delinquency '' was changed to :  XXXX  to  XXXX   XXXX  to  XXXX   XXXX  to  XXXX   (  see attached second certified letter ) All of these dates are inaccurate. I have asked repeatedly by certified letter as to why the " DATES OF FIRST DELINQUENCY '' where changed after they received the account from  XXXX  bank  ( see handover letter ). JH  did not receive the account until  XXXX   XXXX ,  XXXX . Prior to that the " Date of First Delinquency '' was reported as  XXXX  ( see attached  XXXX  entry dated  XXXX  ) by the original creditor. The other  XXXX  credit reporting agencies did not report the account at all.     They have not responded, or in this case not deleted the account from my credit reports as they are required by law. The original creditor reported the " Date of First Delinquency '' as  XXXX  therefore the account should have been deleted in  XXXX   XXXX . I have tried to resolve this matter thru  XXXX ,  XXXX ,  XXXX ,  XXXX , as well as The State Attorney General Office of California and now your office.

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 07/14/2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Flagstar Bank is reporting a 30 day late payment on my credit report that is not accurate. Currently, I am seeing 30 days past due as of XXXX 2013 which can not be true. I have disputed this account several times and see that they are in violation of the Fair Credit Reporting Act by not reporting the account as in dispute which entitles me to {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recover, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Rent Recover of XXXX XXXX, LLC posted a collection item on my credit report. I called to inquire about the item and a representative named XXXX and XXXX were extremely rude and disrespectful and insulted me several times. I told her the information she had was wrong and that I would email her an up to date contract that shows I do not owe anything. She refused to accept the notarized contract and called me unintelligent enough to understand. She also refused to allow me to speak with her supervisor before hanging up on me. I have no responsibility to this debt as the real lease agreement was broken by the property owner. I have pictures that show there was no property damage and the real lease agreement is public record filed with the XXXX County Recorder of Deeds under the property address XXXX XXXX XXXX XXXX XXXX IL. Rent Recover refused to acknowledge the real lease agreement and insulted me numerous time. They never sent a notice about this debt before posting it to my credit report. There communication tactics are horrible. They make false statements and never accept real documents. XXXX and XXXX should be fired and Rent Recover should be closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX/XXXX/XXXX I settled a debt with XXXX for {$1000.00}. Subsequently they sold the debt to Portfolio Recovery Associates , LLC ( PRA ). PRA made NO attempts to collect the debt. In XXXX XXXX I discovered the debt on my credit report and contacted PRA via email asking for verification of the debt validity. The request was NEVER honored. I notified PRA that I was disputing the debt, I NEVER received any information from PRA. In XXXX XXXX I was informed by the Florida XXXX that my credit report indicated the invalid PRA debt. I again contacted PRA and received a form letter stating the original account holder, the date the account was open the balance on the account. In my XXXX XXXX contact I also requested verification of the validity of the debt, in writing and via the telephone. This was NEVER provided. I was informed by PRA via telephone that I MUST contact XXXX. XXXX advised when the debt was sold all records were given the PRA. PRA refuses to release ANY documentation to verify the validity of the debt other than a form letter saying it is valid. PRA has NEVER provide a statement, contract or any other documentation demonstrating the debt is valid. NOW I am XXXX but can not pass the XXXX until this matter is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed the removal of my Chapter XXXX dismissal multiple times, both via mail and online with Equifax for several years. They have not provided a valid reason for non-removal or response. I have verified the correct address and obviously when submitted online twice it goes to the correct place. Online they acknowledge receipt but never remove it. I have sent them copies of my dismissal multiple times as well. This Chapter XXXX was only in effect for a couple of months and was dismissed on XX/XX/XXXX and should have only been reported for 7 years. Which means it should have been removed in XX/XX/XXXX. This has negatively affected my credit for the past 2 years as I am still having to pay higher interest rates and have been denied credit multiple times even though my credit score is high now due to the bankruptcy still reflecting.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (Medical) with Credit Service Company, INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This bill was paid by my insurance in 2009 and want this bill to be removed from XXXX report

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: TD bank debited all my sales amount, close to {$400000.00} and I called merchant services and costumer service as well but they are just giving me run around without any explanation. Its been over a week now and I have not received any return calls from them as of today. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Closing/Cancelling account

Complaint: I sent a letter to Synchrony Bank requesting that my XXXX XXXX account be closed as I am no longer able to make payments. I also requested that the account be closed ; however, my credit report reflects that the account is still open.

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 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My credit is lower than expected. I have paid all my bills on time and for my credit score to be in the 500s is ridiculous How much credit i have should not impact my score that significantly when i pay my bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/XXXX i paid my XXXX XXXX Bill with my bank card. The amount was : Payment received on XX/XX/XXXX - XXXX XXXX -XXXX Payment received on XX/XX/XXXX - XXXX XXXX -XXXX Fith THird bank claims they didnt process it when I I disputed some other chrages on my card. Fifth Third said that the payments was pending. But never told me they were paid. After 14 days they ( Fith Third ), charge back my payments and casued my account to be in the negative as of now. I'm very upset. The people at XXXX XXXX have received their monies since XX/XX/XXXX and not Fith THird is trying to hold me accountable for these payments that was made and thye screwed up. I'm asking for my account to be in the positive and hold them accountable for the monies that thye should have paid to my XXXX XXXX account..

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AMERICAN EXPRESS COMPANY (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I Checked my credit report and saw that there is a judgement against me. The reference number is XXXX. I DO NOT have contract with these people. I DO NOT know who they are. I have never received a letter to go to court. My lawyer was never notified and I was never summons to go to court. I was denied credit because of this public judgement. They have never given me the chance to fight it and just placed it on my credit report. Moreover, my credit report is not showing any dates at all. 
Public Record Details Reference Number XXXX Court -- Date -- Status -- Amount {$2700.00} Classification -- Type legalitems

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: I 've tried to put a security freeze with Equifax online for the past week. The system tells me it ca n't process my request online and asks me to send in IN THE MAIL the information I have just typed in the form online : " Additional Information Required We 're sorry ... we can not process your online request concerning an Equifax security freeze. To assist us in processing your request please submit in writing the required items outlined below. 
For all security freeze requests please submit the following ID information : your complete name including any suffix ( e.g. Jr., Sr., etc. ), complete address, Social Security number and date of birth. '' I refuse to send such personal information in the mail to Equifax. It just does n't make any sense. I have called their customer service and someone who was not able to help me took down my information and said someone would be calling within 48h. I have not heard from anyone. 
I do n't understand why it was so easy to place a security freeze online with XXXX  and XXXX, and it 's such a hassle with Equifax especially given that it 's their fault we have to deal with all this right now.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation inaccurate information please remove asap

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 04-01-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dear Sir/Madam, I already disputed this issue with all XXXX credit bureaus and all of them seem to have deleted it except Experian. There is a report on my personal credit about a small business credit card by XXXX XXXX belonging to XXXX XXXX XXXX which I am a shareholder. This card is a corporate card, not personal credit card and it does not belong solely to me. This is a limited liability company and I never accepted to be personal guarantee to the debts. According to Florida statutes, I should not be personally liable for a limited liability company. Experian today stated that they will not remove it from my personal credit report and said XXXX XXXX would like it to stay on my file. I reject to be held responsible for a corporate credit card of a company in which I have only 5 % shares. This should be removed from my personal credit report completely and Experian needs to be notified to take proper action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: I disputed the incorrect and outdated information reported by his credit repository on correspondence they received. The letter was dated XX/XX/XXXX. CHAPTER XXXX BANKRUPTCY Ref # XXXX has been withdrawn last XX/XX/XXXX and I clearly informed this credit repository in the said letter. I was able to verify this with court my self. I asked them to obtain the latest public record information from the vendor of this information and NOTHING happened. Their records still show OUTDATED info which violates FCRA.

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 06/16/2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I fell behind on my mortgage. I started a loan modification with to try to get the situation straight. The mortgage company slow played the process dragging it out ove r nine months and to the point where they said they could no longer help me. I was referred to another organization for help that in turn could not therefore dragging it out even longer.The communication between myself and this company has been nil an d although I was issued a rep ( point of contact ) to handle this case, I have never been able to speak to this person. After all of this, my attorney has faxed  a 3rd party request to this company four time  since  XXXX   XXXX ,    2017  and has even emailed it to supervisor  XXXX   XXXX . As of today,  XXXX   XXXX ,  2017  he still does not have access to my account. On  XXXX   XXXX ,  2017 , the company did receive a faxed loan modification application and still a single point of contact has not been assigned. I just want to try and keep my home and due to this company 's incompetence and lack of communication I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Chase Mortgage is stating that I am delinquent on my mortgage and seeking to foreclose. I have sent Chase copies of cancelled checks showing that I have made all payments 'in full ' and 'on time. ' As of today, I was notified via phone that my home has a foreclosure date of XX/XX/XXXX. A review and audit of my loan payments is still pending ( on going since XX/XX/XXXX XXXX, however, I am in active foreclosure. I have received no documentation stating such.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (IL).
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint: X/XX/17, amount 626.00, advised will file bankruptcy and unemployed. The company repossessed the car, and kept changing the requested amount dates as X/XX/17, X/XX/17, and now was advised of another date. The customer service representative was very irate and refused to give me a date of the extension for XXXX. I advised I have XXXX XXXX XXXX and need to speak with the supervisor he was not available. She made me feel uneasy, harassed, and not secure to pay that amount of money with someone that aggressive. I ask for the dates she refused to tell me. No empathy, lack of referencing the notes to notice In going to file bankruptcy and I 'm unemployed. Very aggressive first party collections practices they call me 3x a day which it should be only two if left a voicemail. I feel like I being harassed for something I can not control anymore since they took the car.

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