milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2017 about Mortgage (VA mortgage) with American Liberty Mortgage, Inc. (FL).
Issue: Closing on a mortgage

Complaint: I had a schedule closing on my property on XXXX XXXX, 2017, but the buyer wished to close on the XXXX, 2017 instead. Even though this was a day neither me or my realtor could attend closing. I left the state on XXXX XXXX, and was able to sign the closing then. I had a closing date of XXXX XXXX because I was buying another property in Florida, and needed my loan to be closed in the beginning of XXXX, but being promised that the property would be closed on XXXX XXXX, I went ahead and accepted the new closing date. On closing date, XXXX XXXX, the buyer showed up and didnt have all his documents ready, and asked to get a few more days to be able to collect all these. The buyer requested XXXX XXXX, 2017, but it actually didnt close to XXXX XXXX, 2017. And for that to happened I had to pay out of pocket to overnight a document to the closing agent, and this was {$54.00}, I was promised by the buyers loan consultant, XXXX XXXX XXXX NMLS : XXXX phone number XXXX, that I would get reimbursed for this cost. I accepted these conditions because I was also promised that my per diem from the original closing date was going to be paid for during the extra time, plus a {$100.00} gift card. These promises were put into an addendum for my property closing contract. It is now XXXX XXXX, almost three months since closing date, and I still havent received anything from the buyers lending office ( American Liberty Mortgage, XXXX XXXX XXXX XXXX XXXX, CO XXXX ) .Me and my realtor have contacted the office about this and tried to figure out what is going on. They have told both of us that they are taking care of the matter, but they still have not done anything about it. I contacted the owner ( XXXX XXXX phone number XXXX ) on XXXX XXXX for the company and he said that he talked to XXXX XXXX and told him to fix the matter that same day. Nothing was accomplished so we contacted the owner again the day after and told him about our dissatisfaction in his company and employee. We have n't heard anything back since then. They have treated us really unprofessional, and XXXX XXXX has been really rude in emails to my realtor. Something that should have been handled on the closing date of the property, has now been taking almost three months and still have n't been handled. This is outrageous for a loan company, and very bad customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: This bank is difficult to get updates. I just called and they told me they could not give me any updates except that the file was in XXXX. I message the negotiator everyday in XXXX and do n't get a response for 2 weeks. My client is getting stressed out an the buyer is anxious. We have a signed atp and I am not sure what is taking so long.

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 01-07-2017 about Credit reporting () with Commonwealth Financial Systems, Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Debt reported by Commonwealth Financial is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I was being charge with fees from an Appt complex when I moved out. So I filed a complaint with the, " XXXX XXXX XXXX ''. After the review, the XXXX rule in my favor. During the XXXX review, I paid the collection company, because I was getting threatening letters and was being harassed daily. XXXX I receive the letter that XXXX ruled in my favor, I sent out disputes to all XXXX credit reporting agencies, the collection agency the Appartment company and requested the money back that I paid and disputed the XXXX check was sent to me in XXXX 2014 from the apartment company refunding me the money that I had paid. As of today this derogortory information has not been removed from my credit report. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Mortgage (FHA mortgage) with LoanCare, LLC (AR).
Issue: Settlement process and costs

Complaint: I XXXX XXXX have contacted My Loan Care to ask to have my PMI removed from my mortgage and they stated that I need to request it in writing or through their email and get a tracking number well I 've done both so many times and still no tracking number from them and also when I call the reps tell me that did n't get my request to have the PMI removed from my mortgage. Before I requested to have the PMI removed I did my research to make sure I meet the requirements and I 'm still having a hard time and when I call now I ask for a manager and they never get on the phone or call back regarding peoples concern about there mortgage. This company has nothing but bad review and I really hate that my note was sold to them. They seem to only care about is a mortgage payment.

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 10-03-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: After 20 years of perfect credit with Citibank, they switched me to a paperless account without my permission, resulting in hundreds of dollars in late charges and fees ( and a dip in my XXXX score from XXXX to XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax is incorrectly reporting an account under the name " XXXX XXXX '' for the amount of {$17000.00} to my credit. The account number on my report is " XXXX '' with an open date of XX/XX/XXXX. I have never made business with this bank so I do n't understand why such a large past due amount is being reported on my Equifax file. I have filed disputes since XX/XX/XXXX to get this account deleted but Equifax has disregarded my disputes as frivolous and turned them away. I do n't understand how this is possible. XXXX and XXXX are not even reporting this information to my credit so this does not make any sense. In one of Equifax 's letters, a contact number was provided for this bank so I have called and spoken to their representatives more than once. My personal information does not match the details they have for the account. Something is clearly wrong and I need this to be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: For more than a year, Capital One Credit XXXX. XXXX XXXX XXXX VA XXXX has been sending me someone elses credit card info via my email address 'XXXX '. I have received emails from the time they applied, was approved, was late, made payments, etc, all to MY email account. The person 's account # ends in XXXX. I do not have a capital one credit card account. Furthermore, I am not sure how capital one even got this particular email address. I have ran a check of my credit and there was no indication that my credit was hacked. I have not capital one credit card account and nothing supiscious is on my credit report. I have been calling, emailing, and writing capital one for nearly a year concerning this issue. I have also filed a complaint with BBB but that turned out to be a waste of time. They, capital one, should thank me that I am not a criminal with the the info they have sent to my email address. I would like for capital one to cease sending me this person 's private info. This has to be a violation of privacy issue among other things. I am tired of the run around between the BBB and capital one. This is not my account, I have no credit card account with capital one and they need to cease from sending me this persons account data. The sent me another email today, XXXX XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Payday loan, title loan, or personal loan (Title loan) with WHEELS FINANCIAL GROUP, LLC. (CA).
Issue: Vehicle was repossessed or sold the vehicle

Complaint: I applied in 2012, after recently paying my original car loan off. I received less than {$2000.00}. I paid every month. Until onr day I woke up and my car was n't in my driveway. After calling the police. I was told that it was repoed. I tried many many many times to contact this company. Only one time was able to speak to someone. I was n't given any info other than being screamed at. I was told to pay the total amount due. Almost 8 thousand dollars. I has no idea what to do. I was devastated. I let my car go. Here I am almost 6 years later. I have rebuilt my credit and I diligently been working on building credit. Obviously I noticed the company was in my report. I tried to dispute these charges. They are saying it is still open. Showing month after month late payments. I have not from day one of them taking my car have received a letter. I 've had the same phone number for 15 years. I also have the same mailing address. The amount the are claiming is wrong. I paid every month. Unfourtantlytly for myself I paid via cashiers check. I do n't have access to them. I do n't understand how they are making claims of any amount they want and it 's on my credit. I got this loan for a very minimal amount. I got this loan so that my credit was n't checked. I knew then that I had prior debt from years prior. I was never taught the importance of credit. I have taught myself along with my children over the last 6 years. In almost finally debt free. I have worked so hard to recover from bad lessons. Now that I am trying to build credit. I cant because this company is reporting so many things that are fraudulent. Can someone explain how the do n't check credit, take your car, and then make up any amount they want and them report it to your credit. I need help. I want to be a home owner. I actually would like to rent a home for that matter. This is crazy. I 'm almost homeless and ca n't do anything because they obviously can do whatever they want. I never signed anything with any type of disclosure of their ability to make claims of amounts of any dollar amount. Nor did I receive a final notice or interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Debt collection (I do not know) with ERC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: A company named Enhanced Recovery Corp has file a collection notice on my report. I have attempted to speak to one of their employees but they do not respond. I have not received any notification from these folks. The debt they say I owe is {$84.00}. I do not know what that is about. Enhanced Recovery Corp. XXXX XXXX XXXX XXXX, Florida XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have been trying to improve my credit score for 9 months now and I have disputed several things on each report that were incorrect. I notice that after they are removed that some of them are put back on ... this makes no sense!!! I also have paid and am paying on some of these accounts that they are showing and the credit bureaus do n't have the information accurate. What do I have to do to get my credit reports accurate? Please help!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Debt collection (I do not know) with NISSAN MOTOR ACCEPTANCE CORPORATION (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I had an end of auto lease obligation to pay Nissan Motor Acceptance Company back in XXXX 2015. I contacted NMAC via mail and let them know I was out of work and I could pay small monthly payments until the account was paid in full. Without waiting for a response I started paying NMAC {$25.00} a month, sometimes more if I could afford it. They took my payments and applied them towards my account reducing the principal ( {$1000.00} ) and sent me updated statements with the remaining balance. Yesterday, XXXX XXXX, 2015, I received a letter from XXXX XXXX XXXX XXXX, a debt collection agency that required a payment for the alleged debt I owed NMAC. The principal amount was also wrong. Obviously, despite the fact that I keep making monthly payments that I can barely afford, Nissan Motor Acceptance Company hired a collection agency while at the same time taking payments from me. This is not a legal action. They can not sell the account to collection agency when I keep making payments and they take my payments. My account is not in default. This will hurt my credit that I am trying to revive while I am looking for a job. NMAC refuses to work with me on this for whatever reasons. I will not pay the full amount to the collection agency because I can not. It is in Nissan 's best interest to take my monthly payments and get it over with rather than losing the entire money because of poor company practice of handling debt. I know I have a responsibility to pay, and I am very willing to pay it off, but I can not be put under pressure to do so when I am working very hard to maintain monthly payments and find a job so I could pay it off at once and never deal with Nissan again. XXXX of companies work with you on this, they assist you with monthly payments ; however, Nissan does n't train its associates to work with people who have financial hardship and need assistance. Please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX, XXXX. XXXX XXXX I never lived at this address ( XXXX ) XXXX, ( XXXX ) XXXX are not my residential phone numbers. Remove XXXX name from my report as well.

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 01/26/2018 about Debt collection (Medical debt) with R.M. Galicia, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: My bankruptcy is not discharged as of yet. XXXX XXXX XXXX was notified thru bankruptcy processes and last reported to my credit report XX/XX/XXXX. XXXX XXXX XXXX denies being notified and one representative hung up on me. You've paid off -17 % of your collection amount. 

Balance {$5200.00} Highest Balance {$4400.00} Opened XX/XX/XXXX ( 1 yr, 11 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX 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 04-07-2017 about Consumer Loan (Vehicle loan) with KEYCORP (MA).
Issue: Managing the loan or lease

Complaint: In XX/XX/2016 a bank that was handling my wife and I car loan was bought out by another bank. The bank that was sold still pulled our last payment however the new bank is asking us to repay that month. I 've provided the new bank with documentation but they requested proving that I paid it and they harass me every month for that outstanding debt that is not there. They now say that they paid me back and someone cashed the check that they sent me. I have requested that documentation be given to me proving that it was cashed and by whom. And they can not provide that information for me I 'm being harassed every month my account is being charged overfees and I refuse to pay something I already paid. Can you please help me this Bank is trying to put us in bankruptcy or under Title 11 because they think we 're not in compliance when we really are. However they can not provide us with any information or any proof that they made a payment to us and I provided them with proof and I made one to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/14/2018 about Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (CA).
Issue: Trouble during payment process

Complaint: Fifth Third Bank bought my mortgage from XXXX XXXX  last year. The payment is past due after the XXXX of the month. I pay it through BoA by the XXXX every month, as I have with every mortgage in the past. Every month, Fifth Third calls and wants to put me through an extensive interview process to understand why my mortgage is late. The callers are all from another country, do not understand English well and when I try to explain that it is not late and has NEVER been late, they just keep following their process. This is outright harassment. I looked them up on Consumer Affairs site and they get ONE STAR. I have never seen any company get one star, let alone a bank. My question : " what is your office doing to hold this bank accountable in the State of California? ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/13/2018 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Wrote letter on XXXX to CAINE & WEINER that  negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify  me by mail before placing negative items on my credit report. Advised CAINE & WEINER to removed incorrect information off my credit report. More importantly, CAINE & WEINER are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from CAINE & WEINER.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I was making a purchase online with a store credit card that I have had for about five years. The purchase was for two items that amounted to XXXX-XXXX XXXX dollars. I have a credit limit of {$1200.00}. I had no balance at the, I had tried to make a purchase in XX/XX/XXXX and XX/XX/XXXX. I was directed to contact customer service, and I did. The rep for the company told me that because I had not purchased anything for so many months they had to do credit check etc. Ten days later, They sent a message that They closed my account.I have never been late with this bank, and have two store credit cards with this bank and with had no balance due to them with credit amounts of {$1200.00} and XXXX. They closed my account in XX/XX/XXXX. Then on XX/XX/XXXX the company sent me a letter that read that I requested to have my account closed, which is absolutely false. They closed the account, and when I spoke to a rep. at this company, they seen I was having a sever hardship with other accounts, due to my Mother, Father, and Father in laws, XXXX  that Happened within an eight month period. They all were XXXX of different horrible, debilitating XXXX  and all needed help while they were XXXX.I had no balance or owed any money to this bank, so I did not request to close my account, and when I sent a letter to the company about this situation, they sent this bogus false letter of my request to close it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX XXXX reports {$420.00} charge off. This is not my account. It is reported open in XX/XX/XXXX. XXXX reports it closed in XX/XX/XXXX. They both report it as a joint account with my husband. 
XXXX XXXX not my account and reporting a charge off of {$210.00}. 
XXXX XXXX not my account and reporting a collection of {$210.00}.

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 12/30/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Remove Address : XXXX XXXX XXXX XXXX, CA Request : Deleted permanently from my credit report. 
Status : Inaccurate account information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief