milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am disputing the validity of the bankruptcy record your organization has included with my credit report. I have disputed in the past. Additionally, I am unable to properly dispute via your website.

I request that you provide the method of verification bankruptcy record youve listed on my credit record, please include the following : ( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; ( e ) the documentation used to verify ; This is my right under the Fair Credit Reporting Act : FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available I request that you comply with the law and furnish me with the information I've asked for within a period of 15 business days or deleted the bankruptcy from my record

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 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: My Capital One XXXX credit card bill was due on the XXXX.It was paid on the XXXX.I was given a {$35.00} past due fee.When I called I was told the was because I did n't make the full payment due of {$49.00} .I paid {$48.00} by pushing min payment button and the transaction was APPROVED. 

So I called and asked why I was given a past due fee because a {$1.00} error and was told their computer processes these transaction but, she would wave the past due fee because it was obviously a mistake. I then asked about them about my credit report damage of -46 points on my credit score and she said there is nothing they can do about it and I would have to make my case with the credit bureaus on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Equifax is falsely reporting to my credit report. They are putting a collection on my Report that is a fraudulent Account. I have sent them a fraud affidavit and a personal statement but they refuse to correct the problem. This account is also closed which I confirmed with the Collection agency. This account was removed last year because the Collection agency closed this fraudulent Account and recognized that the account was not opened under my behalf. Equifax is causing me Financial harm. I was never given any notice before I was re- placed in collections. XXXX has no problem fixing errors right away but Equifax is not the same quality.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Debt collector, XXXX XXXX XXXX XXXX is reporting the incorrect date of first delinquency and re-aging the account adding an additional year. Transunion refuses to correct the date as they state they are not responsible for what is reported and they are not authorized to correct errors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2015 about Prepaid card (ID prepaid card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Managing, opening, or closing account

Complaint: This company stole {$400.00} from me. 

My account was closed with a {$400.00} balance. They gave a refund check for this amount. 
I accidentally tried to submit it into the wrong bank account ( brothers ). It was rejected. 
I then submitted to my bank account, with my name. It got rejected. When I called, they told me I needed to get it reissued because of the XXXX incorrect deposit. 

I have contacted Serve to ask them to reissue it. However, they refused to reissue it, saying the check was cashed. This is false, i have the check and it was never cashed. I made XXXX attempted deposits that both did not clear. Now they have my money and refuse to reissue a new check, like my bank told me to get done. 

Each time I call they continue to do nothing. It has been a month and I do not have my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-07-2015 about Debt collection (Payday loan) with Fitzgerald Goldman & Associates, Inc. (NC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: They are contacting family members regarding some account in 2012. Leaving threatening legal messages and stating they will come and take my vehicle. The name of the business is Fitzgerald Goldman & Associates and the number that keeps calling from a very rude lady at the following number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Mortgage (Other mortgage) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Dear Customer Service Representative, I need your help. I am a XXXX XXXX Veteran. I would like to keep my home. I would like to refinance my home mortgage with a VA loan. I have already received a Certificate of Eligibility from the U.S. Veterans Administration. My home loan was initially financed by XXXX. They sold my mortgage to Bayview Loan Servicing , LLC . I have had a lot of problems dealing with Bayview Loan Servicing , LLC . In my opinion, I believe that I am being discriminated against because I am a XXXX Veteran. I was recently admitted into the XXXX XXXX due to XXXX. I am not sure if they dealing in bad faith or if they totally incompetent. My foreclosure trial is XXXX XXXX, 2016. I desperately need your help. 

I have been contacting Bayview Loan Servicing , LLC . by phone, email, and express mail since XXXX of 2016. In XXXX of 2016, I sent them an updated Request for Mortgage Assistance via, fax, e-mail, and express UPS mail. They have NOT acknowledged receiving it. In fact, I have evidence that they have NOT READ and ERASED my e-mail on at least 3 occasions. I also have evidence that they purposely provided me with the INCORRECT mailing address on at least 15 occasions in less than 3 months. I am not sure if they dealing in bad faith or if they totally incompetent. 
The contact information for my new mortgage owner and servicer is as follows : Bayview Loan Service, LLC., Loan # XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX , FL XXXX XXXX and XXXX ; XXXXXXXXXXXX and XXXXXXXXXXXX. My contact information is : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, CELL : XXXX and e-mail : XXXXXXXXXXXX. 
In summary, I would like to keep my home. I would like to refinance my home with a VA loan. I need for Bayview Loan Servicing , LLC to treat me fairly. I will appreciate ANY assistance that you could give me. My foreclosure trial is XXXX XXXX, 2016. Thank you. 

Very respectfully, XXXX XXXX, XXXX. 
XXXX Veteran XXXXXXXXXXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Consumer Loan (Vehicle loan) with SOUTHERN AUTO FINANCE CO (FL).
Issue: Problems when you are unable to pay

Complaint: Safco hired an attorney ( XXXX ) to collect a debt on my auto loan. I won a settlement agreement against Safco and the attorney due to illegal collection tactics.By Florida law Safco is not suppose to still be reporting late fees and payments to all three credit agencies. This has caused me to be declined for any new loans.This company is still reporting past due payment even though my car was issued an illegal mechanics lien which I had no control over. XXXX made repairs to my vehicle without anything from me in writing authorizing him to do so. Safco was contacted about this and did nothing to resolve the matter. My car was sold to someone else so why am I still responsible for this debt? Why did Safco issue the mechanic the title to my car.I wasnt issued any documentation from XXXX or Safco about my car.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (MO).
Issue: Deposits and withdrawals

Complaint: A check from the XXXX XXXX XXXX XXXX through JPMorgan Chase Bank out of XXXX New York cashed a check payable to me that was stolen. I 've contacted the bank but was given the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Mortgage (FHA mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (LA).
Issue: Loan modification,collection,foreclosure

Complaint: One time my husband XXXX and we applied for a hardship but HFC kept asking for the same information over and over and still came back and told us they did n't have enough information. Now I 'm trying for a hardship again and I have faxed my income, mailed my income, and in the process of mailing the income again. They claim they did n't receive the fax, then they say they ca n't read the information I mailed. It 's always one excuse after another.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Retrieval-Masters Creditors Bureau, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not owe this debt of {$26.00} that I keep getting bills for and now I have received a collection notice where my credit is perfect. This is an illegal attempt to take my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: In this  XXXX , I opened a new checking account with Regions bank as the promotion required. I met all requirements in the first month but I have n't received the opening promotion offer of {$400.00}. When I contacted the bankers recently, they told me additional terms which were not on the promotion at the time when I received and then told me I didnt qualify it now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/30/2016 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (KS).
Issue: Managing the loan or lease

Complaint: My lease with Chrysler Capital was paid off on XXXX XXXX XXXX. They continue to display my account as past due. I have called several times to verify status and am told to wait a little longer. On XXXX XXXX XXXX at XXXX XXXX, I spoke with XXXX who advised there was a payment pending, she transferred me to XXXX, who at XXXX XXXX told me that my lease was coded as purchased and to be closed, that there were no monies due, and that it should close before XXXX XXXX XXXX. I called again on XXXX XXXX XXXX at XXXX XXXX and spoke to XXXX who advised me that the account is marked as {$0.00} and pending close, and that it *should not* report to any credit bureau as it should close out. At this point I have no faith that Chrysler Capital will keep their word. I do not want any blemish on my credit as result of their incompetency!

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Mortgage (FHA mortgage) with ADVISORS MORTGAGE GROUP, LLC (NJ).
Issue: Closing on a mortgage

Complaint: I found the house I wanted on or around XX/XX/XXXX. Signed contracts to close XX/XX/XXXX. For a FHA 203 ( k ) loan. XXXX XXXX of Advisors mortgage group LLc was my mortgage officer. He told me that he could have everything ready in 60 days, that is why we set the date to XX/XX/XXXX. Within those 60 day I was to get the house inspected ( on my choosing ) and get a contractors estimate. In order for me to have the house inspecected I had to have the OK from HUD and turn the utilities on. Between the inspection, turning utilities on, and getting the ok from HUD it took about 2 weeks. After that I was to get a contractors estimate. The first contractor took a whil and I decided against him. The second XXXX was great and we decided to go with him. This whole process took ablit 40 days. Which would leave XXXX 20 days to finish the loan. Only problem is, he never started the loan itself. He did n't even have the application started. Now moving forward he said he. Needed another 60 days to do the loan. Which was {$370.00} for each 15 day extension. Coming down to the end of the process. He informs me I have to pay for another FHA inspection ( {$800.00} ) and an appraisal of the home ( completed value ) ( {$400.00} ). All of which I believe advisors should have paid for. The appraisal took a while to get in, and I was waiting on the value of the home to decide if I wanted to. Change the bathroom to add more value to it. After The appraisal came in I decided to ask XXXX if I could add {$10000.00} worth of work to the home he said that would be no problem. I added the work and finalizing contracts were to be signed. XXXX also faild to gather my employment history completely until the last minute they sent my employer a worksheet to fill out. Now the loan is suspended and I can not show sufficient funds in my account because I have been paying for all of these extensions ; while trying to pay my own rent and bills. I talked to the heads of ADVISORS MORTGAGE rehabilitation department and they also told me my qualifications were great and I should have no problems ( XXXX XXXX ). All of a sudden I have to make changes to the repairs I was told I could do. While being expected to pay for another extension. I knew buying my first house would not be a easy task, but this has been one of the worst experiences of my life. The stress and frustration that I have experienced from people who were supposed to be there to guide me and help me through this experience was the worst display of professionalism I have ever seen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-04-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been challenging the inaccurate and incomplete items in my file with Experian to no avail. It has been a long journey but now I am stuck not knowing what else to do. This inaccurate and Incomplete information in my report is causing me harm.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I called the credit reporting agency Equifax to request that a public record be deleted off of my credit report. Upon looking at their website, it clearly states that my credit score is being negatively impacted by this public record and will improve once this has been vacated. When I ask a human being if this is true they all say, there are many more factors which influence your score which they vaguely refer to but which they will not give you any access to. So if my credit score is low, who knows what I can do to improve it but the website clearly says by getting rid of said public record my score will improve. I am looking for consistent information on how to improve my score that is parallel to what both the website and human being at Equifax are saying. The only way to get anything done, in their minds, is to pay for credit reports and useless credit information that has no bearing on anything.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXXXXXX shows a late payment in XX/XX/2011 that is incorrect.

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 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 spoke with XXXX XXXX XXXX whom is a collection agency for XXXX XXXX XXXX XXXX XXXX. I paid the balance in full. The representative advised me once paid in full XXXX XXXX XXXX and XXXX XXXX will remove the account from my credit report. XXXX XXXX XXXX refuses to update my balance to XXXX dollars owed on all 3 major credit bureaus or delete the account as promised. This is having a negative impact on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2017 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Cavalry Portfolio is incorrectly reporting a balance on my credit report in violation of the FCRA and bankruptcy law. This account is included in a Chapter XXXX bankruptcy which is in good standing. Bankruptcy law requires all collection activity to cease, however, the reporting of a balance by a collector to a consumer 's credit report is considered a collection activity. 
Further, Cavalry is reporting a negative payment status for XX/XX/XXXX and a past due amount of {$9200.00} in error. Multiple bankruptcy court decisions, including re XXXX, Case No. XXXX ( XXXX. XXXX. XXXX XX/XX/XXXX ) conclude that debts in a Chapter XXXX bankruptcy should reflect a current status and on-time payments if payment history is reported at all.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (NC).
Issue: Managing the loan or lease

Complaint: My complaint is against Ford Credit of XXXX XXXX XXXX in XXXX, XXXX. In XXXX 2012 I purchased a car from the XXXX XXXX in XXXX, XXXX. Only a month later I lost a job I had at XXXX for 22 years. I tried working through the XXXX Car dealership where I bought the Audi TT. I took the car to numerous other dealerships in the XXXX area. Nothing worked and my job was terminated by XX/XX/2012. I contacted Ford Credit and turned the Audi in to the dealership where I purchased it. Ford eventually sold the car at an auction and sent me a letter expecting me to pay the amount of difference between the amount I bought the car for and what it sold for at an auction, $ XXXX-XXXX. Since this time Ford and their surrogate debt collector agency, XXXX XXXX of XXXX have hounded me by letter, phone calls and law enforcement visits for four years. I feel that Ford Credit and XXXX XXXX XXXX have treated me unfairly. They have involved my elderly parents in their harassment. My mother is very sick with XXXX. I do not think that I should pay for a car I kept for only weeks, especially when Ford and the dealership were unwilling to help me return/sell the car. I retired after losing my job and have been honest with my creditors. I am filing a complaint as Ford Credit and XXXX XXXX continue to pursue me, harassing me some four years after the car left my possession. Please forward my complaint to Ford Credit and make it available for other consumers to read.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is not my account, my ex-wife fraudulently opened the account right before our divorce. I have never purchased a vehicle from this car lot, nor will I ever. Multiple disputes have gone " verified '' - show me my VALID signature. XXXX, TU, and " XXXX XXXX XXXX '' are ruining my credit illegally.

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 02-01-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: After graduating from college I went through a divorce and was in a financial position where I had no choice but to file a Chapter XXXX bankruptcy. During that time my student loans went into something, I believe deferment. To this day I do not understand exactly what happened but it is something called compounding. My original XXXX student loans were in the amount of {$29000.00} and {$5400.00}. My current balances are {$37000.00} and {$6900.00} respectfully. I do have XXXX other smaller loans for XXXX courses I took ( {$3400.00} and {$5800.00} ). To date I have paid back a total of {$120000.00}. The XXXX XXXX loans are to continue through XX/XX/2032. My XXXX payments are {$330.00} and {$62.00} totaling {$400.00}. By XX/XX/2032 I will have paid an additional {$72000.00} for total repayment of approximately {$200000.00} on loans that were originally {$35000.00} ( XXXX ) that is almost 6 times the original loan. I am not a numbers person and am grateful that I now have people, around me, in my professional life who can help figure this type of thing out. I have paid my original loan amount of {$35000.00} off several times at this point and I simply do not understanding how this compounding amounts to anything less than loan sharking by PHEAA.

Company response to consumer: Closed with explanation