milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/25/2017 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 have debts on my credit report from chase,   XXXX   XXXX  , home furnishings,  XXXX  and  XXXX  that are all listed as charged off/past due. However, all debts listed on my credit report have been satisfied with each creditor. I have contacted all parties and in some instances it 's has been more than 60 days without them correcting the information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (TX).
Issue: Managing the loan or lease

Complaint: I asked GE Credit aka " Care ( sic ) Credit '' to set up my autodraft payments to avoid all interest payments under 0 % offer so that my XXXX would be paid in full within the 24 month offer. Instead, it was set up as " minimum payments '' drafted out of my checking account and now I have just discovered I 've paid over {$2000.00} in interest with a balance due of $ {$2900.00} on an original debt of {$3500.00}! When I spoke today with Synchrony Bank manager XXXX # XXXX she said the only way I could get a copy of my original instructions was to " subpoena them ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
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: There are four accounts listed on my Equifax and XXXX credit reports that do not belong to me. They are all from the same company with different amounts showing. The company is XXXX. I have disputed these accounts and XXXX has supposedly deleted one of them off of my credit report. XXXX XXXX shows a notice which says : Collections Account Removed XXXX between XX/XX/XXXX and XX/XX/XXXX your XXXX collections account was removed from your credit report. My credit report dated XX/XX/XXXX stills shows them all on there. These accounts do not belong to me and I want them removed from my credit reports. 
Thank You for Your Time

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Debt collection (Credit card debt) with Convergent Resources, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This complaint is against Convergent Outsourcing , Inc, says credit is XXXX XXXX XXXX client account # XXXX - convergent acct # XXXX says owe {$1400.00}. I do not owe this, I have had issues in past years with my common name even at my dental office pulled wrong chart. There are 4 people in my town alone with same name. I for this reason froze my credit reports years ago and have not opened any credit card accounts. I have copies which I request yearly from credit bureaus this is not my debit. I get tired of trying to prove who I am that was another reason for credit card freeze. I wrote them letter XX/XX/XXXX, 2017 and all that did was make them send me another collection notice on XX/XX/XXXX, 2017. I have advised them I have contact credit bureaus possible identity theft and Federal trade commission.

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 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the case and stating my reasons had nothing to do with them the account was VALIDATED well i asked to be sent proof and that was not done I NEED THE ACCOUNT TO BE VALIDATED, Proof of My WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX  California XXXX acct. XXXX XXXX XXXX # 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 05-01-2017 about Mortgage (Conventional home mortgage) with MORTGAGE CAPITAL ASSOCIATES, INC. (NC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On   XXXX   XXXX   XXXX    , Mortgage  XXXX  promised me by email a  XXXX  rate lock on a  XXXX  -year fixed refinance. The 45 days started on   XXXX   XXXX   so the rate lock period should expire on   XXXX   XXXX       On   XXXX   XXXX   I was asked by Mortgage  XXXX   XXXX  to sign " missing '' initial documentation. On this allegedly " missing '' documentation, the rate-lock period had been changed to expire on    XXXX   XXXX    which would amount to a rate lock period of 24 days instead of 45 days. This was a major red flag. I am in North Carolina and Mortgage  XXXX  is in  XXXX   XXXX . The distance made it especially important that I could wholeheartedly trust this company. They had no right to alter a guaranteed rate lock.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: experian has send me my credit report in which i notice that they add credit cards and debts that are not mine and they sending in a difference XXXX XXXX XXXX XXXX. This XXXX XXXX is not mine and that to delete all of that from that XXXX XXXX that all of that debts are not mine, my only direction is in XXXX XXXX only. please check of who that XXXX XXXX belong and to fix my credits.

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 05/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (MT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had auto insurance through XXXX XXXX and canceled XXXX years ago, and now this credit collections company says I owe them money and are trying to collect. I do not owe this company money and would like them to stop sending me letters and calling!!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This account was open in XXXX 2008. I have never made a payment on this account and the name that appear on the Judgment is not my name. I have requested Trans Union to validate this account many time Under FDCPA Section 809. Validation of debts [ 15 USC 1692g ]. I ask that this account be deleted from my credit report. XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Consumer Loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (MS).
Issue: Problems when you are unable to pay

Complaint: calls my job ( XXXX ) when I am unable or unwilling to answer my cellphone. unacceptable

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 10/18/2015 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
Issue: Taking out the loan or lease

Complaint: Have never heard of the company and they have never contacted me and have never provided any proof of this loan. Despite repeated requests to validate. 

As a Texas resident according to what they placed on my credit bureau reports, last payment activity was XXXX, over 4 years ago. Even if it was valid, which it is not, they are barred by Texas law since the last date of activity was over 4 years ago on XXXX and it is XXXX. 4 years and 3 months, past the Texas statue. 

They continue to update my credit reports with nonsense information like " skip, bad debt, placed for collections, etc. " I have good credit going back 25 years and same phone number for 16 years, same email address for 16 years and save mailing address for over a decade. 

There are no negatives on my account and I have positive credit in the good to very good range across all three bureaus and my address ' that are reported are current. 

The " skip '' comment that they are reporting is totally invalid as nothing has changed in over a decade.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Credit card () with CITIBANK, N.A. (NH).
Issue: Billing disputes

Complaint: I have a home depot credit card. I ordered a Gazeebo for {$340.00} online that was supposed to be shipped to the store. This was the only charge on my card. I received my statement about 2 weeks later and no product. I called the local home depot in XXXX XXXX NH and they could not find it and I was put on hold for over 20 minutes. I then decided to call the customer service number on my credit card statement. I called and the gentleman offered to call the local store as they showed it as being delivered to that store. I waited the line for 10 minutes and when he came back on he said that he got hung up on and would refund me the {$340.00} and take XXXX percent off the new gazebo along with free shipping to my home. I asked him if I needed to worry about that payment and he said no. I decided to pay my credit card early today and found out I was charged {$25.00} for not making the minimum payment required on my last statement. When the customer service rep refunded me the {$340.00} my balance was XXXX. Why would I make a payment towards a XXXX balance. The manager said because I have other charges on this account. Those charges would be reflected on my new statement but I have not even received that yet. I have no idea what those charges are even made up of without a statement. I want my late fee back and an apology letter. My credit is very good and this is fraudulent to say the least.

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 06-03-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America has engaged in fraud in overcharging me for Homeowners insurance : The charges added to my mortgage are roughly 400 % higher than the actual costs of insurance, the overcharges are as follows:XX/XX/XXXX XXXX XXXXXXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXXPlease help. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Bank account or service (Savings account) with BB&T CORPORATION (NC).
Issue: Using a debit or ATM card

Complaint: I had over {$1000.00} on my savings account. The next time I went to an ATM to withdraw money, I had less than {$500.00}. This has also happened before, where my withdraws do not add up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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 submitted multiple letters to XXXX and Experian about account XXXX Funding submitting a collection account for an amount that I had to contract with them to being with. Letters were sent via certified mail XXXX/XXXX/XXXX and also XXXX/XXXX/XXXX. I asked them to give me verification with my SIGNATURE and contract on file with them. The only they have sent back to me was a bill which was not with them to begin with. According to the FCRA when asking for validation for an account it should be sent with my SIGNATURE and it has not. While looking at my credit report XXXX is listed at 2 different addresses with one in the state of South Carolina, the other Nevada.

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 08-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XX/XX/2016 I pulled my credit report to find XXXX hard credit inquiries on my credit report that did not belong there. A certified letter to all XXXX credit agencies was sent requesting the removal of the inaccurate information on my credit report. The XXXX letter was the same as the XXXX letter. They stated that they will not remove these inquiries and that I needed to contact each individual company and have them remove it. Per the FCRA statutes, the only permissible purpose for pulling someone 's credit report is a firm offer of credit, insurance, employment, or a court order. None of these things apply to me. The request to remove inquiries was sent to all XXXX CB 's twice and the same response was given

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 06-03-2015 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (MO).
Issue: Loan modification,collection,foreclosure

Complaint: Rushmore Loan Management Service is involved in unfair business practice. They continue to delay my loan modification application by saying they never received faxed documents that are needed to finish my application. We have enlisted the help of a third party organization called XXXX that specializes in helping homeowner such as myself save their homes from foreclosing. Again, Rushmore stated that they never received the required documentation from XXXX and even suggested that we stop using a third party organization. I have been trying to get a loan modification for the past year. Initially, the loan was with XXXX XXXX XXXX who also was using the delay process so that they could sell the loan. Then in XXXX of 2014 the loan was sold to Rushmore Loan Management Services and from that time until today my application is still incomplete. I strongly believe that Rushmore is intentionally delaying the loan modification process in hopes of foreclosing.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Checking or savings account (Checking account) with BANK OF THE WEST (CA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I am not sure this is fraud or a systems glitch but it is unsettling. I have opened two accounts at two separate locations in different states with the Bank of the West. Each time the bank has opened the accounts and then a second account unknown to me. Once in XXXX for checking and now recently in XXXX, Ca. I opened a money market account with my wife. Next thing we know there are two accounts, and the bank can not explain it. Then this time they close the original account in which we put the money and for which we have all the documentation and then they inexplicably move my money to this second shadow account. Why? No one at bank can explain. Going into branch today to discuss. Is it a systems glitch? Is it institutionally intentional? Is it intentional by someone in the organization but unknown to the official powers and systems? This is very disconcerting.

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 09/24/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Settlement process and costs

Complaint: On XXXX XXXX, 2015, I received an alert notification from XXXX XXXX XXXX XXXX. The alert involved Bank of America reporting the following to XXXX, XXXX, and XXXX that following information respectively : Foreclosure initiated ; Foreclosure proceeding started.|Foreclosure proceeding started ; and XXXX account|Foreclosure process started. Bank of America through XXXX , XXXX XXXX XXXX, XXXX and the XXXX XXXX, XXXX initiated a foreclosure process in the Circuit Court for XXXX County, Maryland. Notices of such were sent to me and XXXX XXXX XXXX. Thereafter, a Foreclosure Mediation was scheduled in XXXX 2015 and BOA nor its representatives appeared at the mediation. Therefore, the Circuit Court dismissed the action. Since that time, no other foreclosure notice has been issued and once again, BOA has taken the low road to slander my and XXXX XXXX 's credit by reporting false and malicious information. I seek to have this information removed from both accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NJ).
Issue: Managing the loan or lease

Complaint: On XX/XX/XXXX, I went to XXXX, located at XXXX XXXX XXXX, XXXX, NJ, and purchased a XX/XX/XXXX XXXX XXXX. On this day I gave XXXX XXXX " XXXX '' XXXX a personal check in the amount of {$2300.00}. On XX/XX/XXXX, I was contacted by XXXX XXXX XXXX XXXX and was advised that I had to return to the dealership and resign the documents, which I did. I noticed that the documents ( Bill of Sale ) I signed were under the name of XXXX Auto Sales. XXXX XXXX stated he and XXXX XXXX were partners and that as soon as they receive payment of the remainder of the money, I should get my permanent plates and registration and that the original title would be forwarded to the lien holder or given to me, depending on how payment is made. On XX/XX/XXXX, I went back to the dealership and gave XXXX XXXX and XXXX XXXX a cashier 's check in the amount of {$23000.00}. On this date I was advised that I should receive all documentations and permanent plates within two to three weeks. This was not the case. I called and texted XXXX XXXX and XXXX XXXX, on many occasions and requested the documentation and plates or my money back, plus interest, to no avail. 
On XX/XX/XXXX, I made a complaint with the New Jersey Department of Motor Vehicle, Investigations Department, which is being investigated by Investigator XXXX. On XX/XX/XXXX, I went to the XXXX Police Department to file criminal charges against the Dealerships ( XXXX and XXXX Auto Sales ), XXXX XXXX and XXXX XXXX. On or about XXXX, I met with Detective XXXX of the XXXX Police Department and filed a Theft by Deception charge against XXXX XXXX " XXXX '' XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX Auto Sales ). 
On Saturday, XX/XX/XXXX, my vehicle was repossessed by Ally Bank, who is the previous owner lienholder. 
On Monday, XX/XX/XXXX, I called Ally Bank and spoke with XXXX. I provided her with copy of the Bill of Sale and the checks. I received a return call from XXXX XXXX ( sp ) and was advised that they could not release the vehicle as they ( Ally Bank ) have not been paid. She also advised that the vehicle will be put to auction within 15 days from the repossession date. I tried working with Ally Bank to see if I can get the vehicle back as I need to get back and forth to work. She 's stated that she was sorry, but to there 's not much she could do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: I called equifax to find out why they put a security freeze on my credit and to remove the freeze and the representative told me unless I pay {$5.00} dollars they will not remove it. I told representative that I did not request a security freeze and I will not give them money to remove anything. I asked to speak with a manager and the rep put a supervisor on the line. Her name was XXXX employee # XXXX. I explained to her I did not ask for them to place a security freeze on my credit and to remove it. She told me unless I pay the {$5.00}. This is my information and I will not be subject to pay for a procedure I did not ask for. I had to pay the {$5.00} dollars but I want my money back for a issue that Equifax decided to put on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: My payments through XXXX 2016 my payment was XXXX where a percentage went toward the principal and an additional percentage went toward interest. As of XXXX XXXX, my mortgage company changed my payment from XXXX to XXXX and put it all toward interest, with nothing going to the principal. They did this without contacting or notifying me of any changes.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation