milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX transferred my loan to XXXX while I was in a Chapter XXXX. This debt was paid then forgiven by XXXX however XXXX XXXX  XXXX XXXX is still showing delinquency on old debt. 

I attempted to get the three credit reporting agencies to correct this information to no avail. I also provided the 3 credit reporting agencies the " STATEMENT OF SERVICE '' Letter from the Chapter XXXX following my successful discharge. 

My credit file is still showing that the information is current and all attempts to fix this have failed. I have contacted my Chapter XXXX Attorney and will file a grievance with the bankruptcy court against this company and 3 credit reporting agencies.

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 05-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Systematic National Collection, Inc. (PA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I had XXXX accounts with the collection agency. I agree to pay for the accounts. They told me that there policy was to pay on XXXX account, until it was paid off then pay on the other XXXX.

Company response to consumer: Closed
Consumer complaint received 10/24/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (NJ).
Issue: Unauthorized transactions/trans. issues

Complaint: I am a Rush card holder customer. I have not had access to the funds in my account since XXXX/XXXX/15. I can not move, withdraw, or access my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/15/2016 about Student loan (Non-federal student loan) with ACS Education Services (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: This is a old issue that I 'm reporting. in 2011 I was in a hard spot since work load plummeted and I was barely able to put food on the table let alone pay for this student loan. I attempted to file for deferment due to economic hardship. Submitted all of the paperwork they had sent me. This was in XXXX. In XXXX they had sent my account to Collections and refused to talk to me anymore about my loan. Stating they no longer " owned '' it. Recently I tried contacting them again to see if there was anything I could do. Again told no. I tried to contact the Lender/Guarantor that is listed on my account with them still, only to reach a bunch of disconnected lines and non-existent phone numbers. The shady business practice they have has had a major impact on my credit and may impede my job.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit card () with PNC Bank N.A. (IL).
Issue: Advertising and marketing

Complaint: PNC offered a promotion on my credit card for using visa checkout. The promotion consisted of a XXXX dollar credit for spending at least XXXX dollars with visa checkout with your enrolled credit card. The bonus was to be paid within 90 days. It has been 90 days. The bonus was not paid. I have contacted PNC twice with no resolution. This is the second instance of an UDAP violation where PNC had refused to honor their advertised terms on an account with me. I would like all my bonuses paid, accounts closed and PNC held liable for violating UDAP.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested debt validation 2 times in the last 6 months by mail to : Alliance One Recivables XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I have not received and notices or updates

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Consumer Loan (Installment loan) with LENDMARK FINANCIAL SERVICES (GA).
Issue: Managing the loan or lease

Complaint: I open an account with Lendmark Financial, XXXX, GA XXXX, in XXXX 2015 for {$5000.00}. Today, I called and ask for my payoff balance and the manager XXXX stated my payoff is {$4900.00}. 

She further stated the reason why the balance is still high is that when I paid two or three payments in advance I should have still made payments the following months so the interest would not continue to accrue. 

She also stated I was charged late fees of {$30.00} from making payments 1 or 2 days after due date. This is unacceptable because when I initially open this account I set it up for automatic debit. 

As of today, I have paid over {$2300.00} plus late fees and my balance is {$4900.00}. 

Your assistance is greatly needed and appreciated in this matter because I really do n't want to ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (WA).
Issue: Managing the loan or lease

Complaint: In 2011 I moved to be with my XXXX father, a VA Veteran, XXXX. I moved from XXXX to XXXX NV and informed Infiniti via phone to update the billing address on file. So that the payment would work. Apparently the lady that " helped '' me never completed the address change. Once I got the forwarded late payment notice from the USPS Mail Forwarding I had set up, I paid the payment to the car. I called and asked if they could wave it since it was their fault, the refused. I was NEVER late like that. I pay my bills. I have XXXX % credit utilization. Now this late payment is stopping me from getting a FHA/VA Loan for my XXXX house. I want the late payment removed since I was technically helping a VET, who served his country for 30 years. My dad has since passed and he would want me to stand up for what is right here. DO THE RIGHT THING INFINITI. Remove this 5 year old " 30-day '' late payment on a {$42000.00} car I bought and payed off clean as a whistle.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (AZ).
Issue: Taking out the loan or lease

Complaint: To whom it concern ( Toyota Financial Services ), these are all the documents that were received during my XXXX and while I was living overseas since XX/XX/XXXX-XX/XX/XXXX. While I was overseas there was a lawsuit against Toyota because there was no e-filing. I had returned the vehicle two months after purchasing dated XX/XX/XXXX, so XX/XX/XXXX or XX/XX/XXXX I had returned the vehicle. The vehicle was on lease to own terms. The Military XXXX I have provided are the XXXX that broke the lease, Toyota agreed there will be no charge upon release of the vehicle through my XXXX because Toyota supported the Military XXXX. 
A year after purchase Toyota had sent a lawsuit document but I was still living overseas, therefore I had no recollection of what was going on. XXXX had TMCC at the time as their financial company and they had made a mistake. Toyota was making an offering ( a settlement ) in regards to faulty paperwork CASE NO. There was also a recall on my vehicle but I turned the vehicle in two months after purchase. There should not have been any charges or reporting to my credit upon Military XXXX. This has put a financial burden on my life as far as purchasing a home, a vehicle, and this has also negatively ( damaging ) affected my credit for the past 6 years due to false reporting to credit bureaus. I would like the entire account removed from my credit or I will get a lawyer for a settlement for pain and suffering. 
V/R,

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been pursing a short sale process with, Chase since, XXXX XXXX, XXXX. The XXXX lender, XXXX ( since submitting a complaint with CFPB in XXXX XXXX, XXXX ) has granted me permission to pursue a short sale of the property. Chase, is a the XXXX mortgage, which is a Home Equity Line of Credit. Chase continue to delay making a decision on my case. I can no longer afford to keep the home, due to a financial hardship. I am retired, and living on a fixed income. The home is a XXXX-story townhome, with XXXX steps. I am experiencing health problems, which requires me to see several physician monthly. My medical expenses are costly for treatments and medications. Heating and cooling of the home is over {$1800.00} a year. I am faced with expensive, emergency home repairs, and on-going maintenance. My income can not keep up with the cost to maintain the home. 
I have complied with all documentation requests from Chase. I have submitted all information accurately and timely since, XX/XX/XXXX.Chase continue to delay making a decision on the short sale requests. I have sent multiple repeated documentations to Chase. They have no justification to continue denying me approval to short sell the property. At the present time I continue to receive warning letters of threatening to foreclosure on the property, in spite of being in a short sell process. I truly feel as a XXXX year old, XXXX that I am being treated unfairly by Chase. I need your assistance with investigating my case to find out why Chase will not come to a decision on my short sale request.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: Being billed by a fitness center without a billing agreement. Bank of America did not respond to last complaint. Seeking the closure of both checking accounts in my name at Bank of America. Seeking reversal of all XXXX XXXX charges on accounting and subsequent service/overdraft fees. Bank of America is difficult to contact regarding filling of claim, with phone hold times exceeding an 1.5 hours.

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 06/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have tried to fax over documents proving I have paid my debts off 15 working days ago.. I still have not received a response and the creditors are saying they have let the credit bureaus know .. Transunion REFUSES to take this off my report and can not be reached through fax

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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have 30 day late payments on my credit report and have tried to dispute it but. I keep getting blown off. I sent the first letter requesting back up for the bad information that was on my report and waited 30 days no reply then I sent a second registered letter waited anouther 30 days for a response they sent me some letters that had nothing to do with what I asked for. they ca n't do what ever they want they need to abide and required by law, under the FCRA, to have properly verified the accuracy of an account listed on my credit report. they recently replied and said in the results of your first re-investigation, that you verified that these items are being reported correctly.
formally requesting the following : 1 ) Where are the documents that you used to verify these accounts?
2 ) What is the name of the person in your company who verified these accounts?
3 ) What documents did they use to verify them?
4 ) Please provide me with the name of that individual, their business address, and telephone number.

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 10/13/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (DC).
Issue: Struggling to pay mortgage

Complaint: CFPB Complaint XXXX : Wells Fargo Violations of CFPB XXXX XXXX XXXX Borrower : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, # XXXX, Washington, DC XXXX Loan No. : XXXX Complaint XXXX. On XXXX XXXX, XXXX, the XXXX provided supplement documentation in connection with his pending loan modification application via email. XXXX XXXX XXXX. As you will see from the supplemental submission, the XXXX provided pay stubs to support his income. 
XXXX. On XXXX XXXX, XXXX, Wells Fargo prepared a denial letter. XXXX XXXX XXXX. The denial letter erroneously calculated his monthly gross income as {$14000.00} when his monthly income is significantly less than that amount. The amount of {$14000.00} represents the gross income for his business and not his personal gross income. 
XXXX. On or about XXXX XXXX, XXXX, XXXX XXXX requested an appeal of the XXXX XXXX, XXXX decision stating that the amount of {$14000.00} represents the gross income for his business and not his personal gross income. XXXX XXXX made the request for Wells Fargo to re-calculate his loan modification application by utilizing his gross monthly income of {$4200.00}. XXXX XXXX XXXX. 
XXXX. When XXXX XXXX refused to re-calculate his loan modification by utilizing is gross monthly income of {$4200.00}, he then escalated his request to the XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX investigated the matter and, as a result of the investigation, Wells Fargo still refused to property review his loan modification with the correct monthly income of {$4200.00}. XXXX XXXX XXXX. 
XXXX XXXX XXXX. XXXX that Wells Fargo approve XXXX XXXX for a loan modification that would have been available to him in XXXX during the time period that his application was pending ; B. Impose appropriate statutory remedies that are available ; and C. Award attorneys fees to XXXX 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 explanation
Consumer complaint received 01/26/2018 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (SC).
Issue: Struggling to pay your loan

Complaint: I contacted One Main Financial for an installment loan of {$1500.00}. I was contacted promptly by the store located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. After leaving the store I realized I was also sold various insurances that I did not need for another {$1500.00}. So even though I only needed a {$1500.00} loan I was sold a {$3000.00} loan. I 've ran into some issues paying the debt due to a increase in child support. I contacted One Main Financial and asked that the insurances be canceled and a final balance sent to me for payoff. The company has refused and instead started a constant barrage of phone calls to myself, my employer, family, and parents. They call at least 10 times per day and my employer is getting upset. My parents are also upset as they are over XXXX years old with XXXX XXXX. Yesterday, my parents were waiting on a phone call from the XXXX XXXX. regarding a XXXX XXXX XXXX result. Instead they were met with more calls from One Main Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: There is a foreclosure sale date on Monday XXXX XXXX, 2016. Due to XXXX XXXX, our house is subject to a moratorium in foreclosure activity. Suntrust has not dismissed its action to prevent the sale of the house in violation of the Presidential proclamation of an emergency as well as the XXXX order to prevent foreclosure activity for houses subject to the proclamation, such as mine. We sent a notice of error to Suntrust on XXXX XXXX, 2016 via email to Suntrust 's counsel of record and to Suntrust via certified mail. Suntrust has acknowledged receiving the XXXX but has not responded despite the fact that there is only one more business day before the sale of the home. Suntrust is not taking the appropriate action to ensure the house does not get sold at the foreclosure auction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am a Veteran and I was having a medical emergency so went to nearest hospital and I notified the staff I was a Veteran because they would have to go through the VA to get payment for my treatment or transfer me to the VA hospital when stable but they did not contact the VA and now have been trying to make me pay the bill have been fighting to get this of my credit report Trans Union but to no avail so want to file complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (I do not know) with Aargon Agency, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX, XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Attention to Argon Agency : Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious Aargon agency I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl 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 explanation
Consumer complaint received 01/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I recived a bill for XXXX for $ XXXXXXXXi called the number that was on the form ... .AFNI ( XXXX ) XXXX the woman that I talk to ask me question about the bill she ask have i ever lived at XXXX XXXX XXXX XXXX XXXX XXXX i told the woman at AFNI that I have never lived outside of XXXX, and at that time told to to contacted XXXX i did that as well and i was told to caal the COMMISSONER AND WAS GIVEN A REF NUMBER OF THE PROBLEM

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (Auto) with Franklin Collection Service, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear Sir or Madam, I have contacted this company Franklin Collection Services and ask this company to removed there negative report from my credit report however they stated that there was nothing they could do to help me. this is not a debt I own to this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation