milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: i applied for a mortgage on XX/XX/2017 and was denied because of lack of existing loans, my Transunion credit score was XXXX on that date. I then applied to XXXX for a secured personal loan. I was told that my Transunion Credit Score was XXXX. I went back to the mortgage company and applied again and my Transunion Credit score still XXXX with the new credit report they pulled on XX/XX/2017. I have called a number of times and can not get any response as to this issue, nor can anyone explain to me how I am to rebuild my credit score when it appears there is something else going on that I am not aware of. I am asking for your assistance in resolving and getting a clear explanation as to this issue. Thank you in advance for your help and support in resolving this matter. 
Sincerely, 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 07/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit reports as i have not done so for many years and find that this account is reporting inaccurate information which is causing a negative affect on my credit. 

I request that the creditor verifies the information it is reporting and provide me with copies of the account details such as date and place this account was opened and information regarding the payment history as this account is unknown to me, i have no records of owning this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-07-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a student loan serviced through FedLoan Servicing Credit. The High Credit is reporting incorrectly. My balance is {$720000.00} and my High Credit should be equal to that as this is the amount I was approved for. Instead my High Credit is listed on my credit report for this account as {$590000.00}. It is causing a significant decline in my credit score because it looks as though I owe more than I was approved for.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I found out I was a victim of identity theft, after going to obtain a mortgage. When I realized this I immediately reached out to the proper authorities, filed an FTC Affidavit and continued on with filing a Police Report at my Local Police Department. I sent XXXX, Equifax and XXXX certified mail on XXXX/XXXX/16 listing the negative accounts and address that showed on my report. As of today XXXX/XXXX/16 ( even though these items are listed in my Police report explicitly ) the fraudulent address and accounts are still listed. This violates section 605b of the FCRA and Section 623a ( 6 ) b. Stating specifically that this information is to be blocked within 4 business days upon presenting a valid Identity theft report. It has been over 120 days, and still Equifax and XXXX willingly choose to violate the law set forth to protect people who have gone through my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (AL).
Issue: Charged fees or interest you didn't expect

Complaint: Took a payday loan out with castle Payday in  XXXX   XXXX   2013  ... there were hidden fees I did n't know about until after . ... Well  now 4 years later I get a call about suing me ... They threatened to serve me

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: On  XXXX / XXXX / XXXX  An unknown person logged in online to a joint account using my name and a password.I had been informed by the bank by letter from  Private Ba nking that this entire account was closed as of  XXXX , post divorce. I did not have online access, and had never set a password. The transaction, for which a screenshot is attached, closed the sweep feature with funds tra nsferred to checking.Citibank and Citi Private Banking have not, despite repeated requests, given m e information about the location to which funds were transferred nor the amount.The branch confirmed that this was not an automatic function of the computer system. The screen shot of this transaction was sent to  XXXX   XXXX   XXXX / XXXX / XXXX  per her request in my presence to the internal portion of the bank at my bank branch at  XXXX  and  XXXX  in  XXXX  after I discovered that the account had been kept open.

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 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have contacted CFPB a number of times.Regarding inaccurate information being reported to all 3 Credit Bureaus ( XXXX, XXXX, Experian ) .The CFPB is supposed to protect me the consumer.When receiving a complaint from a consumer.The furnisher has to show verification, and validation. To back up there accurate account of disputes. A violation of the FCRA occurs under section 623 ( a ) ( 1 ) if it is shown that a party reported information what was knowingly inaccurate.In any dispute, the furnisher of the information can either verify the accuracy of what they have reported, or correct the inaccuracy should they agree that it is currently inaccurate. To the extent that the CRA considers a response to a dispute to be a date of last activity, that is not a substantive issue, and not a violation of the FCRA.

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 03/28/2017 about Debt collection (Credit card) with CITIBANK, N.A. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted XXXX concerning a Judgement that was placed on my credit profile. Upon doing so, I requested the letter informing of a lawsuit, Service letter, Date of first delinquency, the debt collector l number and bond number. They have very limited information and XXXX who was the person assisting me was very limited on information and was not willing to disclosed certain information.

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 07-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (NM).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This debt collection company continues to show up on my credit report and has/ is committing the following violations : ( 1 ) Continued attempts to collect debt I do not owe : Debt is not mine ; ( 2 ) Failed Disclosure verification of debt and still reporting account : The information this company has provided is woefully deficient and fails to establish that this is a valid item. First, they have not, by any credible means, demonstrated that I owe this alleged debt to their organization. They have failed to provide any document bearing my signature that would establish that I have any indebtedness to your company. They have also failed to provide me with a complete statement of accounting as required by law to be considered full and complete validation. 
Second, they have merely provided a copy of their invoice from your own debt collection company which is simply not enough satisfactory proof that I, personally, incurred this alleged debt. They have failed to prove that there is any legal or contractual obligation between myself, theiry agency or the creditor. 
Third, they have failed to establish any relationship between me and the purported debt. All of my personal information from their attached letter was received after I mailed correspondence to them. I demand that they discontinue reporting this item to the credit bureaus and, in fact, that they delete the item.They have failed to provide ANY credible proof that the alleged debt is mine or that the alleged debt can be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: It came again to my attention that PORTFOLIO RECOVERY ASSOCIATES reported in my consumer credit report a alleged debt I do not to them in tha amount of {$4900.00} on XXXX/XXXX/XXXX with account # XXXX .... 
PRA has settled with me out of court in the amount of {$500.00} paid to me about 60 days ago and agreed to remove the account in my consumer credit report as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2016 about Debt collection (Medical) with Westside Recovery Services, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Westside Recovery SVCS is reporting a collection account but will not validate the debt. I had / have insurance so I have asked for an accounting of what they say I owe and they have ignored me but continue to report it on my credit report. I had disputed this with the provided prior to it going to collection.

Company response to consumer: Closed
Consumer complaint received 01/25/2017 about Mortgage (Other mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Having a hard time getting monthly statements from the Seterus Mtge Co. Acct # XXXXX Property address XXXXXXX, XXXX FL XXXX. Our Bankruptcy XXXX was XX/XX/2014 and they still say that they ca n't send monthly statements due to us being under bankruptcy. We did chapter XXXX in XX/XX/2014 and the XXXX company was not included in the bankruptcy. They do n't listen to us after several attempts to clear this error up. We are so tired of this run around it has been over XXXX yrs. Please assist me in clearing this up. 
Thanks so much for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Consumer Loan (Installment loan) with Enova International, Inc. (CA).
Issue: Problems when you are unable to pay

Complaint: NetCredit is a company that take advantage of people ... they approve your loan on line then hit you with 98 % interest ... all od course in small print..then charge you 2x a month. I took a loan out for {$6000.00} ... once I found out the loan was to be taken out of my checking account 2x a month ( XXXX ) I called and asked them to adjust to 1x a month ... they said they could n't do ... this was the biggest mistake I have ever made to take a loan out out with them ... I was unable to pay and got in touch to work something out ... they sent gave me minimal options and then sent a letter saying that I can pay off the balance which now is {$7800.00} ... of {$190.00} 2x 's a month???? I had been paying the monthly for a year at least??? and now I owe XXXX more??? This is a company that the goverment should look into ... they are sharks!!!! 
I would recommend that people stay away from this company!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (KS).
Issue: Account opening, closing, or management

Complaint: I have had to contact bank of America probably 10+ times now and no one there seems to be able to fix my problem. I should have been awarded a {$100.00} checking account bonus over 2 months ago and I have already been told I have met all the requirements. 
The next months monthly fee is going to take place on XX/XX/XXXX and I will not pay this so please give me the {$100.00} so I can close my account. Such a frustrating experience.

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 01-09-2018 about Debt collection (Other debt) with Allied Collection Services, Inc. (Nevada) (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Hello : Date XXXX/XXXX/XXXX I called to Collection Company and asking for charge under my name they told me the charged was from XXXX XXXX for amount {$960.00} I never received any notice for this debt but I agree to paid in XXXX/XXXX/XXXX for they reported, remove and deletion this charge from the major consumer reporting agencies but I called several time they never respond my question what happened with you promisse. well I think was victim of the lie.

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 09/15/2017 about Debt collection (Other debt) with ERC (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I closed my account with XXXX at their store in the XXXX XXXX in XXXX New Jersey. I paid a total of {$160.00} at the counter, in order to settle any outstanding bill. 

XXXX then sent me a bill of about {$160.00} They placed the amount with a company called 1. Enhanced Recovery Co XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Collection Agencies Website 2.  Enhanced Recovery Company - CLOSED XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX - As you can see, they pop up and then close and then pop up again. They reported a negative mark on my credit report for {$100.00}. In my opinion they are holding my information hostage against me paying them an amount they will share with XXXX. I think this scam is disgusting as I have the receipt from the bill I paid at the counter ( repeating above ) at the XXXX store. 

I have my charge receipt from XXXX, and want them to stop this OUTRAGEOUS practice of collecting an " extra month '' for no reason but to line their own pockets.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Student loan (Federal student loan servicing) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: On XX/XX/XXXX ... I emailed XXXX about a couple concerns that I have.
I have requested that XXXX exclusively communicate with me via email for any debts that I may owe. I asked them to please discontinue the daily phone calls to any of the numbers that anyone has provided on my account. I understand that I owe about {$450.00} dollars but I will continue to make payments until it is all paid off. An unnamed representative contacted me with this response : The staff does not have the ability to e-mail borrowers. The account is delinquent they will call parties that are associated with the loans. I had another concern that I addressed and need to be resolved ... A member of my family, XXXX XXXX, was added to my XXXX account a couple of years ago. Not sure why, but I was not contacted about this. It was her daughter ( XXXX XXXX ) that co-signed the loan, not XXXX XXXX. Unfortunately, my godmother, XXXX XXXX XXXX XXXX in XX/XX/XXXX and I went into financial crisis. Through that time, XXXX decided to constantly call XXXX XXXX 's house and I every single day ... so many times that in anger in around XX/XX/XXXX she told the representative calling that her daughter XXXX XXXX and please stop calling. In some strange turn of events, they are claiming that XXXX XXXX is the co-signer for a loan she did not officially sign for. I have not received any information, paperwork or validation of her involvement in my loan. According to XXXX XXXX, a representative calls every day for the past year. There are mentions of " taking you to court '' and " we will cease your house. '' I am not sure what to make of this, but I want her to be deleted from my account. She had nothing to do with my loan/debt.
XXXX XXXX response was : The person you are referring to below is a co-signer of the loan and is just as responsible for payments as you. They can not be removed from the loans. The staff does not and never threatens our borrowers with any such actions. Please maintain payment in order to elevate the calls.
XXXX has not reached out to me for a solution or an attempt to help me with any financial difficulties, just continue to call and ruin our credit. I hope we can come to a civil resolution so this goes no further.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 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: Equifax mishandled my information and put me, along with 143 million other people at risk for identity theft. I am listed as a potential victim on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Mortgage (Conventional home mortgage) with MOVEMENT MORTGAGE LLC (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied for mortgage and was charged for it along with the appraisal fees after loan officer had input the property itself won't qualify ( guidelines ) I applied for loan # XXXX with XXXX XXXX back on XX/XX/2017 and was charged for the the application along with the appraisal fees later on XX/XX/2017 and XX/XX/2017 respectively and notified on XX/XX/2017 that the loan application was denied. 

The lender claimed that they denied my application because of the high debt, but upon checking the budget for the condo we were trying to finance, the bottom of page 4 says that XXXX is operating at a {$39000.00} loss. I have then come to find that the true reason the lender denied the project is because XXXX requires that the HOA budget operate at a surplus or balance out, and I have confirmed that Movement Mortgage too, like any other bank wouldn't provide a loan in such a case anyway by ( i ) checking with a different Movement loan officer too and ( ii ) checking with another very experienced officer from a different bank who confirmed that no bank would give a loan in this case at all. The reason isn't really the high debt on my end or whatever the mortgage company is claiming therefore. Noting that the bank took so long to deny my application, it was obvious their officers were just trying to prolong the process hoping that I would give up so that I don't blame it on them ( they had the appraisal ordered after they saw the budget, and therefore, shouldn't have ordered it in the first place ). They were extremely irresponsive throughout the process ( so many e-mails I sent they didn't respond to, including the last one I sent requesting a refund ). 
I am attaching the very lengthy correspondence I have had with XXXX XXXX, another Movement loan officer, and with XXXX XXXX, an independent loan officer from another bank too, proving that neither mortgage officers and banks would have approved the loan because of the outstanding debt the budget of the condo complex had in 2017 ( i.e. not because of the so-claimed high debt the officer I worked with claimed ). I am also including the correspondence with XXXX XXXX, from the complex management company indicating that she is aware of the budget deficit too. 

I am also attaching the HoA budget statement and the denial letter I received from the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I had filed an individual bankruptcy XX/XX/XXXX. I met all obligations and the bankruptcy was discharged XX/XX/XXXX. I notified the lender ( Greentree Services/Di-Tech ) via telephone regarding discharge, which they acknowledged receiving. To this date they still reference my bankruptcy on my mortgage statement and have failed to provide balances on my mortgage statement. When I filed my bankruptcy in XXXX XXXX they immediately made reference to bankruptcy on XXXX statement. What is so hard removing it from my mortgage statement. Additionally, I have called and asked for a pay-off of my first mortgage and they tell me I have to write a letter requesting this information. I should be able to obtain this info via e-mail or over the phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Synchrony Bank, the original creditor of Gap credit card sold an " unknown '' old debt to a debt collector XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ). I closed this account in XX/XX/XXXX, when my filing of divorce with my Ex wife, for what I believed that this debt was paid off, I called Gap card and they told me it 's XXXX balance. 
My reason for protesting is, Im not convinced that this is not a fraudulent charge. Ive been harassed by collectors at work, still dont know if their claim is valid or not. My understanding is, they should not be contacting me at work. These days, its hard to just believe or accept such claims, due to advanced technologies, many are false. Im still questioning the validity and amount. 

XXXX turned it over the XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX. Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX They wo n't answer phone calls. I want to tell them that I do n't know anything about this debt. Before it was turned over to them. I received a call at my work place telling me to give the phone to my employer and I will be called or summoned to appear at court. It is illegal for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to threatened me like that and calling me sometimes after XXXX. Nowadays, you wo n't just accept or believe a phone call or a letter through the mail that someone is claiming that you owe them. XXXX XXXX  sent me some copies of proof of debt and I do n't even know the address that was indicated in the bill and it 's not even my address.. Obviously, someone used the credit card in the past. I closed the card in XX/XX/XXXX and all of a sudden they called me early this year XX/XX/XXXX to tell me that I owe them. After 5 years??

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