milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-05-2015 about Credit reporting () with EQUIFAX, INC. ().
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: i apparently have now XXXX file with equifax XXXX without my middle names and the other with it as messed up my credit first i was told there was something wrong with they refused to tell me what i was told they could not acces my file i needed to send a written request via fax i was told to ask them to update my info i was told it would take 5 to 10 buisness days to process it after a week i call back i was told my information was updated but the problem was still there then they told me about the XXXX files i was asked to send again ( friday XX/XX/XXXX ) a written request to merge the XXXX files togetter and to write rush on it like that it would take 3 to 5 buisness days i called every day to ask if it was done friday XX/XX/XXXX i was told they didint receive the fax to wait till monday XX/XX/XXXX and call back ..i called back on monday XX/XX/XXXX was told they didint receive the fax to send another one written XXXX on it so i did ..kept calling back every day to know if they merged the XXXX files every day it was battle to get them to check my files the person answering the phone are making up XXXX trying to get me off the phone like i was told maybe my fax machine was broken was told the fax didint get send when i received a confirmation it was XXXX was told i sent it to the wrong number also not true was told the adress on my driver license aint right then i was told they could not read my date of birth on my driver license was told to wait the 3 to 5 buisness days when its been clearely more than that since i sent XXXX rush request on XX/XX/XXXX was even told a couple time it was done my XXXX files were merged i asked them what is the date you received the fax for this they tell me XX/XX/XXXX the didint even check once again today XX/XX/XXXX i was told they didint receive the fax that i should send the request via express post i need this resolved asap they created XXXX files under my name and they are fighting not to correct the mistake

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Mortgage (Home equity loan or line of credit) with REPUBLIC MORTGAGE HOME LOANS, LLC (KY).
Issue: Loan modification,collection,foreclosure

Complaint: HELOC account involved in short sale XX/XX/XXXX. Republic Bank still reporting to my credit that it is late even after the bank charged it off XX/XX/XXXX. Stating payments of $ XXXX per month with {$28000.00} past due. During settlement, they got {$3000.00}. Prior to that I gave them XXXX and XXXX. I did everything I could to stay above water. I had several mortgages with them totaling over {$500000.00} and paid them all off. The HELOC funded those mortgages. Called Republic the other day and have had to call them back again and spoke with XXXX representatives, XXXX tried to get screen shots of my credit and the other, debt collector, did n't disclose as such and tried to get my divorce decree and said that once child support order is over for my exhusband he has a motion to garnish his retirement waiting. Needless to say, my husband and I got divorced over this, he left his job of 20 some years as he had to have high security clearance, we have lived in poverty with XXXX kids, they wiped out my bank account XX/XX/XXXX. They said the XXXX is missing. When I asked for an appraisal years ago, it too, was missing. I have a feeling the property was over appraised in the first place in order to facilitate me getting more mortgages with them. The second representative said I was faced with paying or bankruptcy again. I did n't file the first time when I easily could have, ditching about {$500000.00} worth of loans with them and I did n't. I paid them XXXX a month on that loan for many years. This is never going to end. I am trying to get into a low income housing program, and I ca n't because of this thing on my credit. Foreclosure would have provided me more protection. I bailed it out of foreclosure at least once in hopes of selling it, I rented it out trying to buy time, etc. At the time, Republic was so fierce and yelling at me all of the time. I have emails documenting some of that. They would call my husbands work about collections which is why he left. They were very difficult to work with trying to come up with a settlement. I also have those emails from the short sale person. I have managed to turn things around for the kids and I but now this is back.

Company response to consumer: Untimely response
Consumer complaint received 11-06-2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My personal home was damaged recently. The loss is covered by insurance. The insurance company has begun to provide funds for the necessary repairs - approximately {$160000.00}. The payments are to be sent to me as joint checks between me and our mortgage company. When I received the first payment from the insurance company, I endorsed the check and sent it to our mortgage company, Sun Trust Mortgage XXXX Inc. ( " STM '' ). They responded with an XXXX XXXX, 2015 letter with the step by step recipe for how to receive funds to pay the contractor for the necessary repairs. That letter has XXXX problems as part of the requirements. First they are requiring that the contractor sign a lien release form that is illegal in Texas as Texas has statutory lien release forms to must be used. Second they are requiring a copy of the contractor 's license. Texas does not have construction licensing. I have written several letters and made numerous calls to STM. They refuse to correct their requirements and to revise the letter. I am being delayed in having the necessary repairs made to my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2017 about Mortgage (Conventional home mortgage) with BROKER SOLUTIONS, INC. (SD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On  XXXX   XXXX   XXXX , I went online to find a Finance company  and chose New American Funding,  I paid the {$650.00} appraisal fee and was than told " they could not find a n appraiser that would drive out this far. '' I told them that was odd since I was only 28 miles from the largest city in the state and sit in the middle of three major towns. Then they told me that the apprais al fee had gone up to {$1000.00}, I protested this, changing the price after the deal was done and paid for already, so they said the extra would be added into the loan. At this point I said OK lets just get it done. On  XXXX   XXXX ,  XXXX  they finally did the appraisal, Then at the end of  XXXX  I was informed  that the appraiser was not certified to do the type of appraisal they needed and that a new appraiser had to go over it and sign off. Unfortunately no appraiser wou ld sign off so a new appraisal was done, that was done on  XXXX   XXXX ,  XXXX  if memory serves me correctly. After that I kept calling and was told that it was sent in for approval and it would be any time now. Since then it has been and endless string of phone calls and emails with nothing happening. The first loan officer  XXXX   XXXX  turned my loan over to  XXXX   XXXX  after I first mentioned I was considering contacting you people, he than told me they needed more information from me, even though  XXXX   XXXX  had assured me that I had done everything needed and it was only a " paperwork hold up '' but any way had had the papers emailed to them with in a few hours of the request. That was  XXXX   XXXX ,  XXXX . On the  XXXX  I informed them I would be on vacation from the  XXXX  of  XXXX  to the  XXXX  of  XXXX  but that I would have my phone and laptop with me so I could be reached at any time.  XXXX   XXXX  called me on the  XXXX  of  XXXX  and said he expected to hear some thing any time now The file was sent to an underwriter for final review on the  XXXX  of  XXXX . And here it is  XXXX   XXXX  and I have had no word of any kind. I have repeatedly told them how frustrating their lack of communication is and I do n't know how to proceed. Any help would be Appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Credit card () with KEYCORP (NY).
Issue: Customer service / Customer relations

Complaint: I have a XXXX credit card, formerly with XXXX XXXX XXXX which switched to Key Bank. On the switch, I was unable to log on to the Key Bank web site. There was suppose to be a smooth transition. On, Tuesday XXXX XXXX 2016, I was placed on telephone hold for one half hour until I gave up. Today, XXXX XXXX 2016, I was placed on hold for 1 hour and 20 minutes until I reached a rep, who switched me to another rep line, which gave me a recorded message that there would be at least another hour hold time. This is totally unexceptionable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/23/2016 about Debt collection (Mortgage) with PNC Bank N.A. (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: PNC began non-judicial foreclosure on a loan originated by XXXX Mortgage. XXXX XXXX XXXX, on behalf of PNC, is relying on a hearsay beneficiary declaration to claim it has the note. I questioned that based on official comments from the Florida XXXX XXXX stating notes are digitized and then destroyed. XXXX XXXX XXXX at XXXX claims he spoke with PNC 's counsel regarding my concerns but refuses to ID PNC 's attorney.

Company response to consumer: Closed
Consumer complaint received 02-10-2017 about Debt collection (Payday loan) with Frontline Asset Strategies, LLC (IN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: FRANTLINE AND XXXX ARE VIOLATORS OF THE : " DODD-FRANK WALLSTREET REFORM AND CONSUMER PROTECTION ACT. '' 11 COUNTS OF AGGREVATED CREDIT REPORTING FRAUD WITH XXXX AND XXXX IS A CRME. 
7 COUNTS OF F.C.R.A. 
16 COUNTS OF T.C.P.A. 
18 COUNTS OF F.D.C.P.A.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Reported on my credit bureau is a false debt that I do not owe. It is over 5 years old and just now suddenly was reported. I never got a bill from XXXX XXXX in the year 2011 and I do not owe this debt of {$72.00}. My credit needs to be clear as I am refinancing a loan. This is not a true bill and must be removed from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Debt collection (Medical debt) with Collection Information Bureau, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This is my 2nd complaint in regards to this collection. The original complaint : XXXX, concluded that Collection Information Bureau , Inc. will resend account statement of collection. I contacted the company requesting the ORIGINAL invoice document. I was informed that the original amount was {$25.00} plus accumulated interest and the documents had been sent some time between XXXX/XXXX/XXXX to date. I advised that I DID NOT receive any documents until XXXX/XXXX/XXXX as a result of completing a credit check and noticing said account indicated as collections on my credit report with one credit bureau and not the others. The employee arrogantly informed me that notices were sent in the past ; however was unable to provide specific dates of when notices were sent out to me. She arrogantly stated, " We are not going to keep sending letters! '' I asked if the document was sent via certified mail and the employee responded that mail is not sent certified from their company. She also informed me to send a money order to the address listed and then I will receive an invoice receipt. I refuse to send a payment to an organization that has failed to provide the ORIGINAL invoice that is not dated 5 years later or the originating proof of said account, as this is my right as a consumer. I am requesting original documentation from doctor indicating amount, as I have always had health insurance and doctor 's offices do not render services unless co-payment is paid first, as well as proof of date the notice was sent. I also noticed that this collection agency had an incorrect mailing address on the summary of account that was just mailed to me after I submitted the original dispute. During my telephone contact today ( XXXX/XXXX/XXXX ) is when my address was corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Credit card or prepaid card (Store credit card) with Atlanticus Services Corporation (MA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: XXXX XXXX XXXX line opened without my authorization. I did not authorize a company ( XXXX ) to open this line of credit. I applied for credit with another bank partnered with XXXX and I was redirected to accept an application from XXXX, which was not clearly disclosed. I want my account closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (Auto debt) with Hiday & Ricke, P.A. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: This company is trying to collect a debt that is well past the statute of limitations. They are also trying to get my financial information from my finance company.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Mortgage (FHA mortgage) with LoanCare, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan was transferred from XXXX. to Loancare at the end of XXXX. I received a statement on XXXX/XXXX/XXXX for payment due XXXX/XXXX/XXXX, of which I paid immediately. I NEVER received a statement/bill in XXXX for XXXX payment. I called on XXXX/XXXX/XXXX to inquire as to why a statement had not been sent for a bill due in a week. She claimed it was due to the weather! I decided to pay the bill online and the ONLY statement on the website was the XXXX/XXXX/XXXX statement. When I called Loancare back to let them know the website statement was not current nor up to date, I was placed on hold for 25 minutes which went past hours of operation and so my concerns were never heard. This level of incompetency for a company in charge of mortgages and tax payments is completely unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Transaction issue

Complaint: I told Citi Bank one of the XXXX charges for XXXX XXXX XXXX on my account was a fraud in XXXX 2015. Citi fixed that issue very quickly but than the next XXXX months when I paid my XXXX XXXX XXXX account for XXXX and XXXX, in XXXX Citi unauthorized those transactions thinking that is fraud. When I called them and asked them why would they do that, they said I mentioned that the XXXX charge for XXXX XXXX XXXX I said was fraud because I closed my account with XXXX XXXX XXXX. Which was not true at all. Now XXXX XXXX XXXX charged me for late fees and put a hold on my account for XXXX months since XXXX months transactions were unauthorized the same day. If the first XXXX was unauthorized immediately I would have known and resolved the issue between these XXXX big companies, but neither of them are helping me out. 
I would like Citi to refund me for the late payment charges I paid to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and ask for the hold to be taken off my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-08-2017 about Debt collection (I do not know) with APPLE RECOVERY, LLC (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was contacted back in XX/XX/2016 by Apple recovery of XXXX, Arizona, they stated I owed {$23000.00} from a XXXX loan. I advised to them that XXXX/XXXX whom are now under investigation and being sued, frozed the funds put in my account from XXXX and then ultimately took the the {$23000.00} as well as my funds of approx. {$18000.00}. I was called by Apple repeatedly and sometimes even 4 to 5 times in a row to make a payment plan. So I did, I paid approx. {$410.00} dollars to Apple and requested a printout. I find out The debt was charged-off and XXXX/XXXX were in a multi class action lawsuit for the same thing they did to me, they did to XXXX of others.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First Federal Credit Control (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid this debt before I moved to Louisiana and yet they still continue to try to collect monthly on this account. This debt was not verified, and is currently in dispute with the credit agencies again for verification. It was removed from ALL my credit reports except for XXXX. Please see if this company will remove this trade line since it was not valid. 
I will paste their information. 
Collection Agency : First Federal Credit Control. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Account XXXX Original Creditor : XXXXXXXXAddress Identification Number : XXXXStatus : Collection account. {$230.00} past due as of XX/XX/XXXX. 


Date Opened:XXXXXX/XX/XXXXDate of Status:XXXXXX/XX/XXXXReported Since:XXXXXX/XX/XXXXLast Reported Date:XXXXXX/XX/XXXXType : CollectionTerms:XXXX MonthsMonthly Payment : $ 0Responsibility : IndividualCredit Limit : $ XXXXHigh Balance : N/ARecent Balance : $ XXXXRecent Payment : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (CT).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In final review step 2 it says I didn't contact Freedom Mtg to resolve but I did. Trying to edit step 2 to change that to a " yes '' said all would be wiped clear so I left it as No. 

Clicked on a link reported to provide current mortgage rates. Ended up starting an application with Freedom Mortgage while we were driving from Connecticut to XXXX. We lost cell coverage and never completed the application. 
My wife and I got letters in the mail saying that our application was denied. There was a block to be checked " Credit Application Incomplete '' but it wasn't checked. There was a box checked on page 1 that said the denial was based upon credit report information. On the second page a box was checked saying that our credit score was used in making the decision. We both have scores over 790 which  Freedom Mortgage reported verbally was excellent. There were also comments typed in, " Amount owed on revolving accounts is too high '' and " Too many inquiries last 12 months ''. 
I called to complain that I didn't want a negative report making judgement about our balances when they didn't even know our income. I only wanted a letter stating that the application was never completed. 
They took the forms and checked the block on page 1 showing the application was never completed. But they didn't un-check the blocks related to the credit report, scores, or remove the comments. They said XXXX  put those comments there. I called XXXX  and they said they don't establish standards for credit approval or denial. I went back to Freedom Mortgage and they insisted they couldn't remove the notes. I told Freedom Mortgage that I was going to submit this complaint.

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 07/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have made several attempts to contact Transition to request that they remove duplicate information from my credit report. They are reporting XXXX sets of derogatory information from XXXX XXXX and XXXX XXXX. They are the same account and it should only be listed once. The XXXX negative listings is having a negative effect on my credit score.

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 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
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 have recently been informed that Equifax maintain a Tax Lien in their file under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing in the amount of {$31000.00}. 

XXXX County Recorder Case # XXXX does not report Tax Lien to credit bureaus. The New Credit law inXX/XX/XXXX says that federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens. 

A Tax Lien filing is public information. Again XXXX County Recorder does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Equifax, XXXX, XXXX has found information on Tax Lien through third party research. 

Transunion and Experian have already removed this from their file so I sent 2 certified letters XX/XX/XXXX and XX/XX/XXXX to Equifax since they are the only one showing this Tax Lien to validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I received a reply back from Equifax that it was validated by XXXX in which I never received anything of the such. So I sent them another certified letter again this time one to Equifax and one to XXXX requesting my signature to validate this information. This time Equifax sent me a Reinvestigation letter stating that XXXX XXXX XXXX is currently not reporting on the Equifax file. So not true, I requested another credit report and it was still there as of today. I did not get any results from the credit bureaus which has brought me to file this complaint. I will also be filing today XX/XX/XXXX with the Attorney General Office and the Better Business Bureau. This need to be deleted off of my record immediately as it is affecting my credit scores. I also sent them a copy of the New Credit Law where all the bureaus agree to delete all tax lien and judgements off of credit reports.

Company response to consumer: Closed with explanation