milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This was a disputed civil judgement concerning some pet issues, which was paid through the court immediately. 
The vindictive plaintiff evidently in haste went ahead and filed this complaint to ruin my credit. 
Again the bill in question was paid immediately to the courts

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 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (MI).
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 was notified of this debt when it was applied on my credit report. Previously I was not aware of the balance or that this account was with this company. I have previously contacted XXXX to settle this but was told that there was no balance owed. I called ERC to pay the bill but request that this be removed from my account. I confirmed that they had the incorrect address and the gentleman by the name of XXXX ( manager ) told me that it was to bad. Per the debt collecting law, I have 30 days to be notified and then if no action is taken is placed on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Settlement process and costs

Complaint: I mailed TILA Rescission Letters on XXXX XXXX, 2015 well after the XXXX unanimous XXXX decision. Now, more than six months later, I 've received absolutely no indication the companies are attempting to comply. The only possible reason the companies could assert is that 3 years passed after closing and my TILA Rescission Letters were sent after that date. The TILA law stipulates that remedy is available after the " consummation '' of the loan transaction. I submit that my loan transaction was " table funded '' which is in violation of " Regulation Z, '' predatory per se, and void ( not voidable ) from the beginning at the closing table. Simply signing disputed documents does not constitute a " consumated TILA transaction. Additionally, the interested parties have far exceded the statuatory period to lodge a court case to contest the validity of the certified delivery TILA Rescission Letters that were delivered and signed for in due course. 

This complaint constitutes my demand for TILA compliance. 

I mailed TILA Letters to XXXX Investment and Loan ; XXXX XXXX XXXX. Trustee and Successor in Interest to XXXX Investment and Loan ; and Deutche Bank National Trust Company, Successor in Interest to XXXX Investment and Loan. 

These latter XXXX parties were notified Re : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Mortgage Pass-Through Certificates, XXXX XXXX. 


My loan number associated with the original XXXX transaction is # XXXX. 

The loan number associated with XXXX XXXX is # XXXX. 

The loan number associated with Deutche Bank is # XXXX. 


The property address used by all these parties is XXXX XXXX XXXX, XXXX GA, XXXX. 

I 've received proof of delivery from all but XXXX ( which was returned as " Undeliverable -- Forwarding Address unknown. 

Please register this complaint against all " Lenders and Assignees '' and require proof from each they are in strict compliance with TILA and also proof they are not entities involved in a TILA prohibited " Table-funded loan. '' It 's my desire to affirm my clear title to my property and for all parties who can not prove they are holders of the original note received " In due course '' to legally indemnify my ownership and absolve me of all other claims.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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 first payment for this loan was due XX/XX/2017. I set up an automatic payment for {$300.00}. As you can see, it was deducted from my checking account. It also says " current '' on my credit report but STILL marked as 30 days late.

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. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which puts me and millions of other people at risk. I am also mentioned as a potential victim according to their XXXX website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Debt collection (I do not know) with LAW OFFICES OF CRYSTAL MORONEY, P.C. (TN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: the guys name is XXXX XXXX. I have repeatedly numerous times asked hit to stop calling me this is a work number. But he refuses even going to great lengths contacting my family members and threatening me with jail or lawsuits. he calls about 20 times a week at all hours of the day. when i ask him to stop he claims he has the legal right to call me as often as he likes and the only way he will stop is when i pay him. i know nothing of this debt and it is from many years ago.

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 02/19/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: I and my wife have a checking account and safe deposit boxes with Wells Fargo ( Crown Checking ) for the past several years. I and my wife have created a living trust for which we are both the trustees. We wanted to transfer our checking account and our safe deposit boxes to the name of the trust. The bank has refused to transfer either the checking account or the safe deposit boxes to the trust. They are asking us to open new accounts. With the new checking account, we do not get the same benefits that we are currently getting on our grandfathered checking account. Also, on the safe deposit boxes, we have been asked to forfeit the remaining terms of the boxes and open new ones. it appears that the bank is cheating us out of current benefits we get on our checking account since they are willing to open new accounts for the trust but unwilling to transfer the existing account to the trust name. All my other banks, mortgage companies, etc have been able to transfer account without any problems. 

I have also requested the bank to give me a written explanation for not being able to transfer the account to a trust account. However, i am being told that it will take them about 60 days to provide a response and the representative is not even sure what the response would be. This seems to be unfair.

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 11/22/2016 about Credit card () with SYNCHRONY FINANCIAL (LA).
Issue: Billing disputes

Complaint: I called synchrony bank Walmart credit card before my payment was due to advise them I would be late they told me they will waive the late fee and that nothing would change as far as my minimum payment due well not only did they charge me a late fee they also upped my minimum payment and they keep doing it every month I refuse to pay since they gave me the information that nothing would change

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 03/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: At the end of last year my statement showed I had {$550.00} in escrow. I paid another {$30.00} into escrow for the next 3 months for a total surplus of {$640.00}. Nationstar paid {$360.00} for insurance leaving {$280.00} balance surplus. 
Nationstar will not reimburse me the surplus.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX bank account # XXXX this account is a old account and should be removed it was closed by the grantor i would like it removed i tryed to contact transunion on the matter and got no where please remove this from my transunion report thank you

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 06-12-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I disputed a few items on my credit report from Equifax and it 's been like 75 days and the disputed items are still in a pending status. I 've called several times and a representative never answers the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (UT).
Issue: Using a debit or ATM card

Complaint: Experian Credit Reporting Agency advertised on-line you could receive your credit report for {$1.00}, then in tiny fine print I did n't see secretly started charging my bank account $ XXXX/month for the past year to monitor my credit -- but NEVER told me that! So I was charged {$370.00} for ABSOLUTELY NO SERVICES WHATSOEVER!! IT 'S A BIG SCAM! When you call them, they do nothing! I had no idea I had a " monitoring service '' on-line. ( did n't want XXXX. ) Experian refuses to refund even a penny.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/30/2015 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: my name is XXXX XXXX, my mother XXXX XXXX died a few years ago, I am her only child. she had no executive of estate on file, before she died my mother gave me the power of attorney, iwas able to take care of all of her affairswhile she was living, then my grandmother died and left a bank account to my mother who was living, she told me that she did not need the money, because had plenty of own money, so she put the money in chase bank in new York.since I do not have the poa any more and there is no executive of estate there, what should I do to go to chase bank with the papers to file for probate action to get the money or get a lawyer and file in probate court with my lawyer for the money.?

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Consumer Loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (TX).
Issue: Taking out the loan or lease

Complaint: Today i went in to pay my loan, and i wanted to renew it and the lady said no because i told her about a month ago that i maybe moving to florida if I 'm able to save up by XX/XX/XXXX. but i do n't have the money to move so I 'm just gonnna move in with my mom until tax time. But she told me that she will not renew cause she put it in the computer that i was moving but that was rude and i will never walk in there again. i need the manager. AND also they keep sending me txt telling me to renew

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was with XXXX for several years. Payment was debited from our checking acct. never late on payments, never missed a payment.For unknown reasons XXXX XXXX XXXX sold a bunch of mortgages to Nation Star Mortgage Company located in XXXX. Prior to the mortgage being sold XXXX XXXX XXXX sent a letter stating there would be no change to our mortgage that the transfer would be transparent. From day XXXX we received numerous phone calls from Nation Star.When we returned their call they were not nice at all, stated our loan was in a bankruptcy. I tried to explain to him that the mortgage was not included, not on the list of debts in the bankruptcy not included in the discharge of debts. The man just kept repeating that the mortgage was included regardless. If that was the case it would have been listed in the court documents. The man made me feel like I was a dead beat.. I did file a chpt XXXX and only included debts incurred by my deceased wife.The mortgage was never included in the chpt XXXX bankruptcy..The bankruptcy was discharged in XX/XX/XXXX all the while payments were being taken out of my bank acct by XXXX.I tried repeatedly to explain this to the man at Nation Star he became belligerent. He told me to contact a lawyer that I was wrong.We have made our payments each month to Nation Star.Yet we have people driving by our home taking pictures and this all started when the mortgage was sold to Nation Star. I do not like the harrassing phone calls every month..we are making our payments and will continue to do so. When I googled Nation Star on the internet there are numerous complaints about this company, their tactics, they are failing to honor the mortgage agreements made with XXXX It is not right what they are doing to us. I have owned this home since XX/XX/XXXX, had it built and have no intentions of not making our payments. Plus we own another home that is mortgaged with another company and there is no problem with them, no phone calls nothing and all payment are made every month since XX/XX/XXXX, we have never missed a payment on either home. SO I do not understand the harrassment because we have a mortgage that was sold to them. XXXX XXXX XXXX never harrassed me, never called me every month.

Company response to consumer: Closed
Consumer complaint received 11/24/2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I opened a checking account with Huntington Bank, and was supposed to get a {$750.00} bonus. They denied it to me by saying that I already had an account. However, they wer e two different tax id 's ( one a ssn and one a business tin ). I was specifically told by a banker that it would be eligible for the bonus. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Credit reporting () with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My brothers divorce case ( XXXX XXXX ) showed up on my credit report and I disputed it and told them about it on the phone and they said they would delete it and they just sent me an email that there decision was it is still going to remain on my credit report. I just want it off my credit report. It 's showing up on my experian and XXXX reports and need it off before I can close on a house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2017 about Payday loan, title loan, or personal loan (Payday loan) with CHECK INTO CASH INC. (DE).
Issue: Received a loan you didn't apply for

Complaint: Please see complaint XXXX from XX/XX/XXXX is not resolved. I respectfully asked for a letter to be mailed that indicates that the loan was deemed to be fraud and not opened by us. While the company said they sent something to XXXX, respectfully this is n't enough. Respectfully the response indicated that they took steps to validate information. Respectfully, I would say their measures are lacking. Other Companies contacted us within that same 48 hour period to verify information and those loans were not funded. I have the names on our caller id, so respectfully, if you want to call me, I can provide their names and perhaps you can reach out to them or their vendor to respectfully enhance your processes. In closing, we simply want a letter that states that the loan was investigated and deemed fraudulent. This way if the loan surfaces somehow during our home purchase or accidently gets sold to a 3rd party for collection, we can use it to support our claim. The prior response is simply insufficient, incomplete, and self serving.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with John C. Heath, Attorney at Law, PLLC (CA).
Issue: Problem with customer service

Complaint: I placed a complaint yesterday though CFPB and now it has gotten even worse. The company I placed the complaint on has appointed a man named XXXX XXXX to my complaint. I have asked him respectfully to add my number to their internal DO NOT CALL list and to stop emailing me. He insist in not doing so until I give him ALL the numbers I 've been getting calls from. It is difficult to give him all the numbers I 've been called from when the cell phone they call me to is my work cell and I do n't save the numbers that call me. Please, make them leave me alone. Their continued calls and emails are give me XXXX XXXX and causing XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: A company placed a collections at the XXXX credit bureaus, and has not sent me any proof the debt is mine. It was opened under my social security number fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Credit decision / Underwriting

Complaint: In XX/XX/XXXX, I was approved for funds from the Florida 's Hardest Hit Fund Program and the funds were sent to my mortgagor, Seterus, Inc,. to be applied to the outstanding principal balance. The HFA funds were in a suspense account with Seterus for 7 months. All my calls to request the HFA funds are applied and the loan recast were ignored. On XX/XX/XXXX, I received a " Reamortization Agreement '' letter from Seterus which demands that I agree to extend the maturity date of the current mortgage an additional 20 years. The original mortgage is a conventional 30 year loan originated XX/XX/XXXX. As of XX/XX/XXXX, there are less than 20 years remaining on the original loan which matures in XX/XX/XXXX. Seterus is demanding that I agree to extend the loan maturity another 20 years to XX/XX/XXXX! In addition, Seterus refused to reduce the outstanding principal by the amount they received from the State of Florida Treasury Department. The HFA amount to be applied to the outstanding principal is less than the $ XXXX provided to Seterus from the Florida state 's HHF. I called Seterus and was informed that this agreement is final and they will not make any amendments.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have continuously contacted the debt collector who refuses my dispute of the validation of this debt. The representative could not provide me with validation as requested, other than a copy of a bill. I have continuously advised the collection agency that this debt does not belong to me, and request that the following debt be removed from all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: ProCollect refuses to provide any further information to verify the debt other than the name of the company and the amount. There is no contact information for the medical company as it appears they are no longer in business. The medical group appeared to provide services in XXXX 2009 but we have never been contacted by phone or in writing until after the account was placed into collections and reported to the credit bureaus. We did not even get a chance to provide insurance information to the original provider.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: XXXX XXXX/Walmart cancelled my credit on XX/XX/XXXX. I contacted customer service several times and no one could help me I was told to wait for a letter in the mail because for some strange reason they were unable to read it on their computers. They informed me to contact XXXX  because this information was given by them. I contacted XXXX and was informed they do not give out information they receive the information and they do not know why Walmart would say such a thing. On XX/XX/XXXX I contacted Walmart again asking the reason for my card being cancelled because I did not receive any letter in the mail the representative could not give me an answer so requested to speak to a Supervisor I spoke with a supervisor and she informed me my card was cancelled because I am at a higher risk for fraud than others I asked could she better explain it to me and she stated she could not and that is what it stated on the computer I than ask to speak with her manger and was transferred to XXXX ID # XXXX and he gave me the same information I asked him was there anyone I can speak with and he told me no he is the highest level supervisor. I can not get through to anyone and no one will help me. I feel this is a form of discrimination because how was this determined based of the area I live or was it because of my race. I asked questions and he could not give me answers I informed him this was discrimination and he did not say anything. I had my credit card with Walmart since XX/XX/XXXX and never missed on payment and used my card frequently.

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