milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I called XXXX and told them that we 're fraud charges on my account I did not fill out for credit cards or auto loans they would n't delete them ask to speak to a supervisor they hung up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 contacted Equifax XXXX XXXX, and XXXX XXXX and XXXX XXXX, and XXXX and XXXX XXXX all of which had disputes filed paperwork submitted proof shown where I had paid the company in full XXXX Equifax stated they could not see where I did. also another dispute they was not closing that was opened on my account was XXXX XXXX it was opened in XXXX I was born XXXX XXXX how that is possible is beyond me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have filed a validation dispute with Transunion, XXXX and XXXX regarding Bankruptcies that are listed on my credit report. After filing a validation dispute requesting proof that this debt belonged to me, I received a letter in the mail stating that this debt was confirmed and is said to be my debt. I then contacted the Bankruptcy courts who then advised that they do NOT confirm any debts with the credit bureaus. I would like to know exactly who or how they verify debts for any individual, without proper documentations. I also requested a second validation and was told that I would need to provide additional proof to validate any information on my credit report. I would like this information removed from my credit report because the Bankruptcies were never verified and the credit bureaus are lying to the consumers.

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 01/25/2018 about Debt collection (Mortgage debt) with National Credit Systems,Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Please remove the current debt listed on XXXX and XXXX being that the debt was removed and is no longer listed on XXXX. I Am asking that you honor the XXXX report and its removal of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with KelKris Associates Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credit Bureau Associates has puta collection/charge off on my credit for a account that is no longer mines!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had the item removed from my credit report in 2014 due to the fact that the collection company re-aged my account then the agency put it back on my report without notifing me or correcting the information I have disputed this information numerous times to no correction or removal

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 10-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am having an issue with XXXX XXXX XXXX Improperly reporting late payments for a collection they agreed to terms of partial payments in the amount of {$10.00} on top of our monthly usage bill to service continuing. I feel as i was improperly informed that they would keep reporting every month that the account was 180 days late. Myself and XXXX XXXX cames to terms of agreement that I could pay the past due balance as partial payment thinking my credit would not be affected by this and I could continue services with the company. At the time of agreement XXXX XXXX did not disclose any credit reporting in this matter they simply exclaimed i could not recieve services unless I paid the balance in full or paid in partial payments. I noticed they reported 180 days late for 46 consecutive months. I have never been 30 days late or more on this agreement or my monthly bill. Since I have paid the balance completely off in full on XXXX XXXX 2015. My account is active and still in good standings. My wife and I have contacted XXXX XXXX on several occasions and all they tell me is this is part of my history for the account. My problem is I do not feel these late remarks should not be on my credit report due to the fact I have paid our agreement and my bill on time all of those 46 months. I also feel as if I was decieved by them not fully disclosing any information on them even reporting to the credit bureaus. I feel as if this is an unfair business practice. I have talked to them on several occasions and they do not wish to work toward a resolution. They keep giving me different information everytime and transerring me to different represenatives with no solution for the matter. I 've also tried to get a letter of full debt payoff or paid in full letter and they also exclaimed they do not do that. But the main issue is unfairly reporting 180 days late for 46 consecutive months and it has devastated my credit report. I have decided to come here with this matter to see if we can get a resolution. Thank you for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Mortgage (VA mortgage) with Forthright Funding Corporation (CO).
Issue: Application, originator, mortgage broker

Complaint: First I received mailings from these people saying they would get me a 30 year mortgage at a rate of 3.25 % and skip XXXX mortgage payments, no out of pocket costs and my new payment would be {$1000.00}. Upon calling XXXX XXXX told me the best he could get me without out of pocket costs would be 3.75 %. and my monthly payments would be {$1600.00}. Also a return of my current escrow balance. As you can see this is nowhere near what was sent to me in the mailing. He called me back several times trying to sell me on this. I told him I wanted to see it in writing and I know that is required to be sent after 3 days of receiving a quote which is what was done over the phone. This was XX/XX/XXXX that I requested this. The last conversation with XXXX he got real rude with me to the point when I told him I wanted to see it in writing that I hung up as this is poor business practice. He told me sending me a quote was a waist of his time. I told him it was required by law.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MN).
Issue: Managing the loan or lease

Complaint: XX/XX/XXXX, I purchased a Scion FR-S via XXXX from a XXXX XXXX XXXX XXXX d.b.a. XXXX XXXX of XXXX. They are ( were ) located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

The sender was the same exact Employee that took my required-after-auction WIN {$500.00} down payment. His name is XXXX XXXX. XXXX XXXX was my Salesman. 

It is now XX/XX/XXXX and I have nothing. Why? Because XXXX XXXX and his Manager ( Finance Mgr ) called me 8 days before my car was to arrive in XXXX, XXXX when I received a phone that I thought was a joke from XXXX XXXX 's Manager, when he called me directly and said he had bad news. The bad news? That in-transit, going through XXXX, the transit-truck they chose went up in flames and so did my Scion FR-S! From there, I called them at least two dozen times and asked what do I do now. What have other people done in this same incredibly unique situation? He said " you are not responsible for ANYTHING, Sir '' and " I will keep you closely informed. '' I then told XXXX XXXX and they could hardly believe it. Since then, NO ONE has compensated me a dime from XXXX who supposedly has an iron-clad guarantee, anyone at XXXX of XXXX or XXXX XXXX. The people that did contact me was XXXX ( XXXX ) continuing to call, mail, talk my neighbors and send repo vehicles to follow me day and night. I finally confronted one of them when they came and peered into my front house window and asked if this is matter is in regards to the car I never received. They said yes, and I assured them it was NEVER DELIVERED but had NO contacts for him. He said if I could call XXXX ( Roadloans ) using the phone # he carried with him, and put the XXXX rep on speaker and have her speak her name and confirm that no car was delivered, I would never hear from him again. I lost XXXX FICO points ( myFICO ), a repo on my record and my utilization is over XXXX because of this. Needless to say, I need immediate help as I am not able to purchase anything on credit. If this does not get resolved amicably by any party involved, I will not only have any choice but to file Bankruptcy XXXX & file suit against all negligent parties. I 'd like a police report, video they said they had and this removed from my credit reports immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In XXXX, 2017 XXXX XXXX informed me that my Credit Card had been used fraudulantly, they reversed charges and did not explain the fraud. This is an account I almost never use, and had recently received a new card, so the card information was not entered into any companies POS or any websites - it could only be known by XXXX XXXX and Equifax. Equifax later released that data in their servers information had released for criminal use. I contacted them to resolve the damages from the breach, and they replied with a form letter, and offer for a free year of credit monitoring. The typical sales model for credit monitoring is they hold a credit card number for charges and begin charging you at a certain point. If you call to terminate the credit monitoring they refuse your calls or inadvertantly charge you for the services. Equifax probably profited from making consumer data available on a black market, and used the " unfortunate situation '' to sell credit monitoring services and collect payement contracts for future services by creating fear in consumers minds. This is a evil and devious practice. For a consumer like me who rarely uses credit, it means I have a vunerability simply on maintaining a service " for a rainy day '' - and a sick twisted organization like Equifax can use that to take money from me. They did not offer to verify how my account information was frauded and did not want to deal with me as a frauded consumer. I also find it interesting that i never agreed for them to keep this data on thier servers, and If i woudl want to live in a house i would probably have no option but to keep this data on thier servers. They have never answered if they intentionaly gave out my data to criminals.I can not remove my records from them as I have a home loan - typically required - I guess unless I choose to freely sleep under the freeway - oh that may be illegal ....

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Debt collection (Other debt) with Advanced Collection Bureau, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I reached out to XXXX XXXX XXXX certified mail requesting them to send me proof that the debt belongs to me. They received my letter XX/XX/18. I have not received a response from them and the debt is still listed on my XXXX  and XXXX 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 02-10-2018 about Debt collection (Medical debt) with KelKris Associates Inc (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have contacted the collection agency and asked them to provide me with contract with my signature to verify that this is my debt to pay. The collection agency has not provided proof of this being my debt to pay. I also have disputed it through the three credit bureaus. 

I am unsure what else to do except seek further help in getting these matters resolved. Below is the name of the collection agency I have contacted and asked them to provide me with the above mentioned proof. 

2. Credit Bureau Assoicates/Original Creditor : XXXX XXXX XXXX $ XXXX First time contacting this agency was XX/XX/XXXX. Sent me a print out but no signature. 

The latest letter I sent was on XX/XX/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 05/31/2015 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I can not pay my mortgage loan online if it 's a weekend day. This was n't always the case. I 'm sure many people can relate to having to wait up to the last day a payment can be made to pay if without getting a late on their credit report. I have had issues with only having access to making payments via the Internet due to a phone not being available. I have made payments online on weekends before and they post that Saturday or Sunday no problem. In the past year apparently they changed their policy ( never received any policy changes updates ), and these payments I made were not credited until the Monday after causing late quotes on my credit. There are times I do n't get paid until Saturday or Sunday and I should n't be penalized for that. Apparently even if I could have called and made a phone payment they add a XXXX $ fee which I ca n't afford. This is not fair in my eyes. I ca n't get in a better situation if I am blocked in all these ways

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: the credit line on pg  XXXX  shows   XXXX   XXXX   XXXX   in collection of  XXXX  past due with original creditor being   XXXX   XXXX   XXXX   XXXX   XXXX   and then on page  XXXX  it shows the same account   XXXX   XXXX   XXXX   closed and written off so its a duplicate acct I have sent a letter ove r 3 m oths and no reponse and the duplicate line is still there

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 05-12-2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I left bank of America because I was being charged overdraft fees that were a direct result of them not crediting my deposits for up to a week. I left them and now I understand that they posted an outstanding debt to my credit report and show that I opened an account in XX/XX/XXXX when I stopped doing any business with them in XX/XX/XXXX. I called spoke to their representative and they said they would fax a letter showing that the debt was taken care of, then later in the day when the fax did n't come through they changed the story and said they would not be sending anything and that they sold the account to someone else and ca n't do anything with it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Selene Finance LP (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I was wrongly being foreclosed on. I payed for and was given a loan modification olny to have my last payment returned to me and when I called to question why they said the would not except my checks and sent be foreclosure papers and demanded {$19000.00} of which I did n't have! They sold my loan several times and now the new company had me on the sheriff sale list for XX/XX/2017. I requested a loan modification the told me there was no time that they needed 37 days and it was n't even more then 20 days that they had my loan so I sent some beginning forms of a change in my finances.They in return sent me a letter on XX/XX/2017 agreeing that they would give me additional time to resume my application ... I received this letter on XX/XX/2017 the date of the sale ..The property when back to the bank.I then began to gather my paper work to send in an on XX/XX/2017 I received a letter from them telling me I was denied for failure to complete paper work and bad credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Mortgage (VA mortgage) with SUNTRUST BANKS, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We sold our home. During the closing process, our title attorney requested, and received, a payoff letter from Suntrust Mortgage. On receiving this letter, he noted that there was a typo in the through date provided at the start of the letter, but not in the terms listed at the bottom. Given the nature of the transaction, he verified with Suntrust that the payoff amount was correct and the typo would not effect the closing of our home. Suntrust Mortgage assured him that the payoff amount stated in their letter was correct and nothing would hold up the closing of our home. Our attorney verified this on at least 3 occasions, and so we proceeded with the closing and paid Suntrust in full according to the payoff quote Suntrust had given us. 

The next day, our title attorney contacted us stating that Suntrust was demanding an additional XXXX dollars. As we had been assured on several occasions that the payoff was correct and our attorney seemed unclear on why, exactly, Suntrust was requesting additional money, we called Suntrust Mortgage to speak to a representative about this request. After several hours of back and forth and general confusion, we were told this XXXX discrepancy was due to the typo that we were assured would not be an issue. 

After another few hours of explaining this situation over and over to different reps, all who seemed unable or unwilling to forward us to their legal department to dispute this and, instead, continued to inform us that this money was owed because of a typo that we were fully and excruciatingly aware of at this point, we were informed that Suntrust was very sorry that they had made this mistake no less than 4 times over the period of a month but they are issuing a new payoff quote. 

They have yet to issue a new payoff or, in accordance with their own terms also set forth on the initial payoff quote, refunded the over {$100000.00} paid to them so that we can issue them another check. Until this matter is resolved, we can not close on our new home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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 filed a dispute with Equifax on XXXXXXXX. Equifax confirmation # XXXX. The disputed was filed against XXXX account # XXXX and XXXX account # XXXX. I clearly stated in my dispute that I have never had a medical bill with the original creditor XXXX XXXX XXXX XXXX. I submitted over a copy of my complete medical insurance information for the months and day in questioned. On XXXX XXXX responded back to my dispute and verified that all information attached to this account is correct. They lied. The name XXXX  has on file is XXXX XXXX and that is not my name, the address they have on file is XXXX XXXX XXXX XXXX XXXX XXXX, NV and I have never lived at that address. I contacted XXXX XXXXXXXX XXXX. They provided me a copy of the bill in questioned. The original account # XXXX, statement date XXXXXXXX, amount due {$0.00}. This came direct from XXXX XXXX XXXX billing portal. I was also informed that they are not trying to collect on this bill. They adjusted the bill due to fraud so the amount due is XXXX. I provided both XXXX and Equifax this information and XXXX  is still trying to fraudulently collect on a paid bill. Equifax has not properly investigated my dispute and they are allowing a company to validate a debt that has multiple inconsistencies. Equifax has allowed XXXX to reconfirm erroneous information reported by them on my credit file. I have attached a copy of the paid bill showing a zero balance with the matching account number.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My old complaint number, against Carrington Mortgage Services is XXXX. 
This is a brand-new complaint against Carrington M. S., same Account Number XXXX. 
Item 1. Statement Dated XXXX/XXXX/15, for payment due date XXXX/XXXX/15, charging late penalty of {$17.00} plus two months mortgage of {$520.00} each month, total {$1000.00}. 
This amount was paid through XXXX XXXX XXXX on XXXX/XXXX/15. 

Item 2. Statement dated XXXX/XXXX/15, for payment due date XXXX/XXXX/15. 
I DO NOT KNOW IF cfpb IS RESPONSIBLE FOR THIS MIRACLE. 
No payment was required for the month of XXXX 2015, and the penalty {$17.00} was used to pay down the principal. 
XXXX XXXX I got sick and was not at home. I asked my daughter to pay {$520.00} on XXXX of each month beginning XX/XX/XXXX. 
Item 3A. Letter dated XXXX/XXXX/2015, stating XXXX/XXXX/2015 payment of {$520.00} was not received and late charge of {$17.00} was assessed. ( This scan at end of list ). 
Item 3. Statement dated XXXX/XXXX/15, for payment due date XXXX/XXXX/15, for {$520.00} plus {$17.00} plus {$520.00}. Payment of {$520.00} was made on XXXX/XXXX/2015. 
Item 4. Statement dated XXXX/XXXX/15, for payment due date XXXX/XXXX/15, $ XXXX {$17.00} plus {$520.00} plus {$17.00}, grand total {$1000.00}. 
Item 5. Statement dated XXXX/XXXX/15, for payment due date XXXX/XXXX/15, asking for {$1000.00}. 
It is clear to see that by creating a subterfuge of a " NO PAYMENT MONTH '' a charge of {$17.00} could be imposed " EACH '' month.

Company response to consumer: Closed with explanation