milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/29/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: Sears allows there automated attendant to call your phone excessively even when you have them note the account that your going to make your payment on a specific date because your loved one is in the hospital with XXXX and you need that money to go back and forth to the hospital. To date my loved one with XXXX passed away and Sears still kept calling insisting on a payment. Today is Sunday and my family and I were in church and I had to leave the building so that this company could menace me once more. I explained the above mentioned and was told that the reason they keep calling is because they can not get in touch with me. Newsflash, I spoke with Sears on XXXX XXXX and told them when I had a chance I would get back to them. It is unfortunate that a death and a holiday kept me from calling them. They forgot that XXXX was upon us and that my family and I were grieving. I 've asked them to note the account not to call on a Holiday or on a XXXX but I can not be sure that this will happen. Most importantly this situation of debt collection is not my fault that Sears messed up on taking the payment since my receipt and on line statement indicate that payment was received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2015 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, I am writing you do to the fact of my husband is a XXXX veteran, he was working a full-time, part-time job and going to school to obtain his XXXX degree. We purchased a home in XXXX of 2014. He then lost all of his employment in XXXX of 2014. He has been diagnosed with XXXX and is unemployable. he is now receiving social sercurity benefits and a small percentage of VA benefits. As soon as he lost his jobs he contact the mortgage company on any type of help or programs that they could provide. we were turn down for all possible programs. I am writing you to see if there is any help you can provide for us as to lower our mortgage to about {$500.00} or less. so, it can be easier to pay the mortgage. we have checked and the value of the house is less then its worth. we want to be able to stay in our home.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX sent me a copy of my credit report with no scores and no deletions of errors on XX/XX/XXXX. I checked all the inaccuracy with a check mark and also implemented and added it the correct information on my credit report.
I sent the copy of corrections by US Postal Mail Priority m
ail to XXXX on XX/XX/XXXX Priority Mail.
Evidence is submitted to Federal Government filed complaint..

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Debt collection (I do not know) with FIDELITY CAPITAL HOLDINGS, INC (FL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I am XXXX XXXX from XXXX and I have looked at my credit report and noticed that a company that is from your state is listed on my credit report. I had a representative to contact this company last week on my behalf as I have a busy days during the week. After careful research my representative saw that this company is not authorized to collect or licensed to collect in my state of XXXX. XXXX has a specific rule as it relates to who is able to collect here. XXXX XXXX XXXX appears on my credit report and their license has expired according to the XXXX Office of Financial Regulations and with the business licensing division which is confirmed by our state 's website, XXXX. In order to collect in XXXX you must be licensed with both agencies and in good/active standing, which this company is not. My representative called and asked to speak with the office manager and or their compliance officer, and when she was asked what the call was in reference to, she explained the above. She was transferred to a guy that said his name was XXXX XXXX, who represented himself as the company 's legal counsel. He went on to denounce the claim verbally with the representative and attempted to scold her for not being an attorney ( which she never represented herself as such ). After more review by via reviewing the XXXX Bar Association website there is no active attorney in XXXX with the name of XXXX XXXX, and the only one that was listed was a deceased attorney. Fidelity Information Corp is willfully and maliciously violating XXXX State Law, FDCPA ( Fair Debt Collection Practices Act ), and is using deceptive practices and false representation. 
I am sure your office does n't support businesses in your state operating in such manner. The company was contacted to give them an opportunity to rectify the problem however they have failed to do so, and them continuing to report an account they ca n't legally report is very damaging to me as well as my family. Mind you, I have never had any contract with this company AT ALL! At this time there is no current court action pending, there has n't been in another legal actions prior with this company but if this ca n't get resolved expeditiously, then legal action will definitely go forward. 
I have letter I faxed to them, as well as proof of Expired status with both XXXX Agencies, as well as a copy of the XXXX Bar website with the only XXXX XXXX being a deceased attorney. Has this XXXX XXXX with XXXX XXXX XXXX ( if that is his name ) tried to assume and resurrect the identity of this deceased attorney " XXXX XXXX ''?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I decided to reach out to the XXXX in regards to late payments that are showing on my credit report because I knew that I was in forbearance and the late payments should have never been reported. I was told there was nothing they could do for the information was correct stating that they reached out to me several times. I never received anything from XXXX in regards to me being out of forbearance. After searching through my emails, it was brought to my attention that my loans originated with XXXX XXXX and XXXX took them over fall of XXXX therefore my late pays from XXXX of XX/XX/XXXXdo not fall under XXXX they fall under XXXX XXXX and should be removed. How can XXXX Report to the credit bureaus late pays that were never really theirs? They are reporting false information. As of today I am current on all my student loans.

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 06-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Trans Union, like XXXX and XXXX, engaged in the same and related transactions, even after the investigations by each. They are wearing the same clothing of fraudulent providers of consumer credit trusted institutions. They engage in racketeering with the proximity of the cause in the administrative and internal control systems of their factfinders, debt buyers, and original grantors. Trans Union had published what became of my payment on XXXX XXXX, 2015, where the ACH went to the XXXX XXXX XXXX XXXX ( original grantor XXXX XXXX XXXX ) instead of the XXXX XXXX XXXX credit account, now own by a debt buyer, known as XXXX XXXX. Instead of sending the consumer the payment back promptly, it held it until after the cut off date and then transferred it to the right account. No one was monitoring the store until the flag date, which is not responsible collection activities. 

After it was transferred to XXXX XXXX it collected late charges and late interest. I received credits, but the automatic system kept the collection activities up with default fines and fees. I wrote written communications, Emails and made phone calls to a XXXX sales force putting profits before consumers and got no where. When I could no longer figure out what I owed, I stopped payment hoping I would get their ( XXXX XXXX and XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ) attention. When I did n't the debt buyers reported me to the credit reporting agencies. I have filed complaints against all necessary parties.

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 04/28/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Credit decision / Underwriting

Complaint: I filed for personal bankruptcy in 2010. I understood from my lawyer that I would lose my mortgage because of the filing. This was not a problem since I did not think I had any equity in the home. And, a family member offered me free housing. A while after filing bankruptcy Chase Bank, my original mortgage holder contacted me and told me they wanted to give me a new mortgage so I could stay in my home. I explained that I could not afford the home because I had taken out all the equity with a loan from XXXX XXXX. Chase wanted to look into the issue, I sent them all the information they requested including all my bankruptcy documents. The bankruptcy documents clearly showed the loan from XXXX. A short time later Chase contacted me and said XXXX did not have a lien on my home. They said the loan from XXXX was not a home equity loan as I thought but rather some kind of personal loan that was dismissed in bankruptcy. This meant that I had enough equity to afford a new mortgage, although it would be a struggle to pay the mortgage. I accepted the new mortgage from Chase Bank. Five years later XXXX XXXX finally contacted me and told me that I owed them all the equity in my home and they wanted payment. They said Chase was wrong and I had to pay XXXX. I could not pay XXXX so they informed me they would be forced to foreclose on my home. 
Today I finally sold my house so I could pay off both Chase and XXXX. 
My complaint is that I feel Chase defrauded me. I would never have accepted a new mortgage from them five years ago if they had told me the truth about the loan from XXXX. I would not have struggled for five years to pay the mortgage and would have been staying with family for free while I finished school.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Payday loan, title loan, or personal loan (Personal line of credit) with SUNTRUST BANKS, INC. (VA).
Issue: Problem with additional add-on products or services

Complaint: Don't let the public intervine with business or accounts XXXX XXXX XXXX paid for

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Debt collection (Mortgage) with State Home Mortgage (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This Debt Collectors ( STATE HOME MORTGAGE ) Attorney XXXX & XXXX, went to the Courthouse Steps and Foreclosed upon property that they did not verify nor validate, and allowed, a third party purchaser to buy something that was Rescinded on XX/XX/XXXX, and they purportedly sold the property in XX/XX/XXXX. They did not have any standing to do that because the transaction was rescinded. They only ignored it and then the THIRD PARTY DEBT COLLECTOR ( STATE HOME MORTGAGE ), sent communication stating that the Property was paid for. The Attorney ( XXXX XXXX XXXX ) sent an acknowledgment, waiver and release agreement for {$22.00}, XXXX to release them from being responsible for their error. They should never had gone to the Courthouse Steps and become the beneficiary of my Estate ( XXXX XXXX XXXX XXXX ), I never gave them permission to do any of that.!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MA).
Issue: Problems when you are unable to pay

Complaint: Hello, I had a loan with RoadLoans in XX/XX/XXXX, repoed in XX/XX/XXXX. RoadLoans was bought by Santander in XX/XX/XXXX. I filed bankruptcy XXXX discharged in XX/XX/XXXX. Case # XXXX. RoadLoans and Santander is part of my filing. 

RoadLoans and Santander take turns appearing in my credit reports as late payments. I have called them. I sent a certified letter telling them to stop and comply with a federal order. 

I am applying for a FHA ( possible USDA ) loan. I have to write a letter explaining my late payments with my student loan and bankruptcy. Apparently RoadLoans/Santander appeared again on my credit report as unpaid. 

I am asking for assistance in this matter. 

Respectfully Yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit card () with Continental Finance Company, LLC (CA).
Issue: Billing disputes

Complaint: I have a XXXX Credit Card and make my monthly payments online. However, for the past months, every single time I make a payment online, the transaction goes through and then there 's a " payment reversal ''. I 've contacted the credit card company to inquire on the reason why this happens and they can not give me XXXX. They 've made up different excuses as to why the payment is reversed and the common one is blaming my bank that they do not process the payment. However, I 've contacted my bank and they have not received any transactions from this company. Another reason is that I do not have the sufficient funds to cover my payment which is UNTRUE. I make my payments on time and sometimes before the due date and by more than the minimum, but they return them. This results in reporting a negative report to the credit bureaus and the reason I got this credit card was to re-establish my credit after a bankruptcy. I 've tried working with them in resolving this matter but nobody can help and I just get the run around. The only options they give me is to pay through XXXX XXXX or check but I will have to pay an additional fee that I do not pay through online. I began paying my bill online and did n't have a problem until XXXX 2015 and ever since, every single online payment I make results in " payment reversal ''.

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 01/19/2017 about Mortgage (Other mortgage) with Finance of America Mortgage LLC (CO).
Issue: Application, originator, mortgage broker

Complaint: While under contract to Sell a home, the Buyer 's lender repeated lied to me about the Buyer 's ( who is also a licensed Real Estate Agent ) ability to obtain a loan on the home. 
I am the listing agent. This lie cost many months of aggravation, thousands of dollars, hours of work to me, the Sellers and the Sellers of the replacement homes involved. 
The Sellers had every intention of filing a complaint ... but decided they did n't want to add to their stress and aggravation. That is why I am filing instead. Both Loan Broker and his managers have admitted that he purposefully deceived me at the direction of the Buyer/Agent. I was told the Buyers were " clear to close '' with the exception of their contingency to sell their current home. In the end, I found out they had been denied the loan by the in-house lender, then denied the loan by an outside investor. Just days before the final 'closing ' date, I was told everything was good to go and that they were just waiting on final numbers ... it turns out the lender was submitting the loan package to a third investor. They were ultimately denied that loan as well.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Making/receiving payments, sending money

Complaint: I currently am enrolled in Suntrust Billpay. I recently had an issue where I scheduled a Billpay for my HOA, and the payment was sent to the XXXX XXXX. There is no record of the transaction at all on their website, and I am certain that I scheduled the Billpay for my HOA. I spoke to a representative on XXXX XXXX, 2015 and was told there was nothing that they could do, and the representative hung up on me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Monterey Financial Services LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I received a letter saying that Monterey Collections has been referred for collection on the unpaid insurance portion of treatment from XXXX, XXXX. Unless I notify their office within 30 days of receiving the notice to dispute the validity of the debt then they will assume the debt is valid. All payments is supposed to be sent to Monterey Collections, XXXX. XXXX XXXX, XXXX, CA, XXXX. Clearly a fraudelant scam as I have never done business with either entity. Monterey Collections is associated with Monterey Financials.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX. XXXX has incorrect hard inquiries on my Equifax, XXXX, and XXXX credit report. They are showing inquires from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my Equifax, XXXX, and XXXX report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am disputing a credit balance of {$740.00} currently reflected on my credit reports. 

On XXXX XXXX, 2014, I spoke to XXXX, Employee # XXXX at XXXX XXXX Bank ( now sold to Collection Agency LVNV Funding ) and PAID my account IN FULL in the amount of {$440.00} Confirmation # XXXX. I even overpaid and received a refund check. 

Upon speaking to XXXX, Employee # XXXX, on behalf of XXXX XXXX Bank, the following terms were agreed upon : XXXX XXXX Bank would debit my account {$440.00} on XXXX/XXXX/14. 
XXXX XXXX Bank would ZERO the balance on my account upon receipt of funds. 
XXXX XXXX Bank would provide me with a REFUND check which was received. 
XXXX XXXX Bank would notify all XXXX credit bureaus that my balance is zero and the account is CLOSED. 

Again, my account was debited {$440.00} on XXXX/XXXX/14 Confirmation # XXXX and I received the refund check for the overpayment of {$100.00}. However, my account was NOT reported to the XXXX major credit bureaus as CLOSED and with a ZERO balance. In fact, it was turned over to Collections LVNV Funding LLC in error.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (LA).
Issue: Account opening, closing, or management

Complaint: one main financial ran an inquiry on my XXXX XXXX and XXXX credit reports with out my permission, and i cant even find out who this company or bank is

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
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: BANK OF AMERICA is not reporting an account I have with them to all 3 credit bureaus.

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 10/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have previously submitted a certified letter which was sent on XXXX XXXX XXXX and signed and received on XXXX XXXX XXXX I also sent a certified letter on XXXX XXXX XXXX requesting that a dispute be initiated for a XXXX XXXX Bank XXXX XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process XXXX XXXX Bank XXXX XXXX account was verified and still displays information which is inaccurate. 
The following is a list of inaccurate, incomplete information still contained in XXXX XXXX Bank XXXX XXXX. 
1. The account was opened on XXXX/XXXX/XXXX however the account displays no payment history in XXXX, XXXX and 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 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Incorrect information for state tax lien. I have attached the delinquent tax list and my name or ss # is not there.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Debt collection (I do not know) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from AFNI. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AFNI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation