milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-05-2015 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (MD).
Issue: Managing the loan or lease

Complaint: I made arrangements for my vehicle payment to be deducted from my bank account XX/XX/XXXX. I noticed when I checked my bank account that the item was returned. I then went online and made the payment XX/XX/XXXX using my bank card. The message I received online from Prestige Financial advised that the payment would post to my account XX/XX/XXXX. I received a text message XX/XX/XXXX from Prestige advising that my account was 31 days late and that I needed to make a payment. I contacted Prestige and advised that I had already made the payment. They advised that it was not posted until today XX/XX/XXXX so I was being reported for being 31 days late to the credit bureaus. I advised that this was not fair as the message I received when I made the online payment advised that it would be posted XX/XX/XXXX at which time I was only 28 days late. The person also advised that I made the payment on Saturday and that there was no one there to post the payment. I advised that this was not my problem, but now thinking back the payment was made on Friday XXXX and my receipt advises that the payment will be posted XX/XX/XXXX. I should not have to dispute something with the credit bureaus and is incorrectly reported to start with. I have had a problem with this prior as I have been reported 30 days late two times XX/XX/XXXX. I 've requested to have this information in writing on several occasions but have been advised that this could not be done. I finally did get an email advising of two months that had been reported. After reviewing my credit report they are not reporting the same months consistently with the bureaus. I feel that those months should not be reported as well as those payments were made but was posted to their account a day or two afterwards. I have disputed this information with the bureaus and have not successfully got this resolved. I feel that the two late XX/XX/XXXX needs to be removed from the credit bureaus as well. The FCRA requires that information is reported and reported accurately and must be resolved in a timely manner. I have been disputing those for over 8 months.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have sent a notice of dispute with XXXX XXXX XXXX. I ahve no knowledge of this account belong to XXXX XXXX XXXX. I have never signed a contract or made any transaction with XXXX XXXX as well as XXXX XXXX, XXXX as a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We have submitted numerous documents to obtain a loan modification from Specialized Loan Service, ( XXXX ) Loan No. XXXX. I never received their correspondence, even though I had a forwarding address since XXXX XXXX, XXXX ; they sent mail to the old address. I recently received the letter dated XXXX XXXX, XXXX, on XXXX XXXX, XXXX. I never received the requests for documents that were mentioned in the letter, and SLS has not set forth the documents that are needed. A Trustees Sale is set for XXXX XXXX, XXXX at XXXX. 
No reason for declining the modification was stated. We have submitted a new application.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Mortgage (Conventional home mortgage) with Stearns Ventures, LLC (VA).
Issue: Closing on a mortgage

Complaint: They gave us 2 estimates. A ) 4 % with {$2600.00} lenders credit B ) 3.875 without lenders credit. I was clear we want the 3.875 without lenders credit and they agreed. However when time to sign, They had locked rate at 4 % with {$1900.00} Lender 's credit.

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 03/27/2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The state of Maryland filed a tax lien on me in error. I received a lien release letter from Maryland dated XX/XX/XXXX. I also have two emails from Maryland dated XX/XX/XXXX and XX/XX/XXXX stating that the lien was in error, and that the lien had been withdrawn. I submitted this information online with the above documents attached to Equifax. On XX/XX/XXXX I received notification from Equifax that nothing has changed, and they refuse to remove the lien from my credit report. I called Equifax this morning and was told that once the lien has been recorded, it stays on my record for 7 years, whether it was released or not! I asked to speak to a manager and was told the same thing by her. The incorrect lien record is damaging my personal and business reputation. Please help me to remove it! Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Making/receiving payments, sending money

Complaint: Chase is preventing us from getting into our accounts online and not updating information in the accounts in a timely manner. When we travel, we use a different IP address to log into our accounts. Chase has taken it upon itself, without asking as other banks do, whether we want it to " recognize '' the computer/IP address we are using. It then locked us out when we logged in from another IP address. Recently, we were locked out of our accounts for 2.5 - 3 weeks because of this harassment. To add insult to injury, when we went into a local office of XXXX in XXXX, NJ, it demanded a new email address because its marketing junk email was bouncing. The guy deleted the old email that had been in the system for years and demanded another one. When he was told that we do n't use email, will not create an email account for Chase 's convenience, he said he would not restore the original email address that he had deleted without permission, then refused to restore. This obnoxious behavior typifies Chase 's actions : everything is for its convenience while it continues to deny clients easy access to their money and financial services it advertises and purports to provide. 
Similarly, last night or the night before I checked our accounts online. Nothing had been updated since before the XXXX XXXX weekend. Then this morning, a bunch of checks and payments showed up, bringing the balance very low. Had it updated the online information in a timely fashion, we could have easily transferred money into the account before this weekend. As it is, we will need to stagger a credit card payment because Chase withheld critical account information from us. This has all occurred while Chase owes us roughly {$130.00} for a credit on their credit card that has been on there for roughly 2 months. it is clear that first it denies us access to our money and bill payment services ; then it withholds account activity information ; followed by a bunch of checks it had been holding, hoping to overdraw the account. This kind of petty harassment and capricious cessation of normal operations needs to be sanctioned effectively and sufficiently to deter it. No bank should be allowed to offer services such as online access and bill payment services, then capriciously withhold them without warning, while trying to collect fees, should the account be overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied International Credit Corp., (US) (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX IS CHARGING FOR UNAUTHORIZED SERVICES. 

They agree, but it can not be resolved unless the Resolution Department deals with it but when you call to get resolution, there are XXXX people in the queue. 

XXXX XXXX is putting me in collection even though I have contacted them at least 5 times since XX/XX/XXXX. The collection agency can not fix this. I contacted them but they say only the XXXX XXXX XXXX Department on can adjust it and there are XXXX people in front of me every time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Other

Complaint: XXXX report dated XXXX/XXXX/2016 showed Wells Fargo Card Services, Credit Bureau Dispute Reso, XXXX XXXX. XXXX XXXX, XXXX XXXX, IA XXXX has requested XXXX separate inquiries for credit history. On XXXX XXXX, 2016, XXXX, current employee of Wells Fargo stated after the original inquiry for approval no additional credit inquiries are needed. On XXXX XXXX, 2016, XXXX, a current employee of Wells Fargo, was contacted. XXXX stated credit inquiry would be requested only once, unless the customer requests a credit increase. On XXXX XXXX, 2016, XXXX, a current employee of Wells Fargo, was contracted. XXXX stated the credit inquiries are ran just once. However, XXXX credit inquiries have been made to obtain copies of my credit history. 
According to the employees this is in direct violation to company policy. Wells Fargo is the third largest Bank in the United States and does not have employees running credit inquiries on a monthly basis for the large number of customers that they have. My account is in good condition, an credit increase has not been requested, and I am not involved in any type of debt resolution with Wells Fargo. It is my belief the inquiries are not being used for a work related reason. Therefore, I am requesting an investigation into what my credit history is actually being used for and who is this information being given to since the company does not have any use for the 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 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX  OPENED AN ACCT IN   XX/XX/XXXX .  THIS ACCT WAS WAS OPENED FRAUDULENTLY WITHOUT PERMISSION OF MY INFORMATION. IT IS A CASE OF IDENTITY THEFT. THERE IS NOW A BALANCE SENT TO COLLECTION THAT IS HURTING MY CREDIT REPORT AND SCORE. I AM CURRENTLY TRYING TO FINALIZE A HOME LOAN AND AM UNABLE TO DO SO.     I CONTACTED ATT   XX/XX/XXXX  A ND REVEALED THAT THIS ACCT IS NOT MINE. I WAS TOLD THAT THERE WAS AN INVESTIGATION ON IT DUE TO FRAUDULENT ACTIVITY. HOWEVER IT WAS CLOSED. I ASKED FOR IT TO BE REOPENED AND INVESTIGATED TO HAVE IT REMOVED FROM MY INFORMATION AND PULLED FROM COLLECTION. I WAS TOLD IT WOULD TA KE 5-10 BUS INESS DAYS TO BE RESOLVED.     I FOLLOWED-UP WITH A CALL TO  XXXX  ON   XX/XX/XXXX . T HIS TIME I WAS TOLD THAT IT WOULD TAKE 21 DAYS TO BE RESOLVED. I TRIED EXPLAINING THAT I WAS TOLD DIFFERENTLY THAT IF THERE WAS ANYTHING TO BE DONE TO EXPEDITE IT SINCE IT WAS EFFECTING THE HOME LOAN PROCESS. " NO '' WAS THE ANSWER, UNWILLING TO EVEN BE FORTHCOMING IF ANYTHING COULD BE DONE.       Collection Agency   XXXX   XXXX     XXXX  Original Creditor   XXXX   XXXX   XXXX   XXXX  Opened Date   XX/XX/XXXX   Balance {$3600.00}

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 08/24/2017 about Mortgage (Conventional home mortgage) with NEW YORK COMMUNITY BANK (NC).
Issue: Trouble during payment process

Complaint: My mortgage is with New York Community Bank ( XXXX, NY. ) My homeowners insurance and property taxes are paid through escrow annually. For the second year in a row, I have had to pay my homeowners insurance premium to XXXX XXXX because the mortgage company has not paid it before the lapse date. The bill was sent by the insurance company to NYCB in XX/XX/XXXX and XX/XX/XXXX, with reminder notices going out in XX/XX/XXXX and XX/XX/XXXX. The policy renews on XX/XX/XXXX annually. In XX/XX/XXXX, the payment was not made by NYCB until XX/XX/XXXX, so I had to pay on XX/XX/XXXX to avoid a lapse. In XX/XX/XXXX, payment was not sent until XX/XX/XXXX, and I again had to pay on XX/XX/XXXX ( XX/XX/XXXX was a Sunday ) to avoid a lapse. I have spoken to the escrow department at NYCB several times and have never received a satisfactory explanation as to why they are not paying on time, even though the money is fully available in my escrow account. I even tried to have the escrow discontinued so I could pay the bills myself and they would not allow me to do this without charging me an exorbitant fee. I think I should be able to discontinue my escrow without penalty or fee since they have demonstrated that they can not pay the bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Credit reporting () with William D. Meeker Enterprises, Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am showing an inquiry on my credit report dated XXXX/XXXX/2015 from the following company that I DID NOT authorize to pull my credit. I demand that this company have their inquiry immediately removed from all credit reporting agencies including XXXX and XXXX. 
Company info : CIC XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX

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 Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (AL).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/2015 I made an automated payment to Suntrust Mortgage for my XX/XX/XXXX payment. The automated payment was made before XX/XX/XXXX over the phone where I had to enter my account information by touchtone phone. I noticed after a few days that the payment had not been withdrawn from my bank account so I called Suntrust to see if there was any issue. They said they had gotten my automated request for payment and there was NO issue, and that the payment should be withdrawn within just a few days. More days had gone by and it was becoming increasing close to the end of the month and still not withdrawn from my bank account. I called Suntrust again and had gotten the same response, we have noted on your account that you made an automated payment, just give it some time to hit your bank. On XX/XX/XXXX, there was still no withdraw for my XX/XX/XXXX payment so I called Suntrust again. A man told me that yes he sees the automated payment, however, the account number was not entered correctly so the payment was now late. I immediately gave him my information to make my XX/XX/XXXX and XX/XX/XXXX payment and it was withdrawn from my bank account. I asked if there was going to be a hit on my credit for a late payment and he said likely not. On XX/XX/XXXX, there was a late payment noted on my credit report for my XX/XX/XXXX payment with Suntrust mortgage. I called to speak with someone and they said they had no resolution other than apologizing for not informing me of the mishap in the 3 prior times that I had called to ask if there were any issues. I never have been late on my mortgage payment prior to this, or there after. I still have a 30 day late reporting to my credit report after MULTIPLE attempts to rectify the situation immediately.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Equifax has proven that it is grossly negligent in handling my very sensitive, personal information. This is particularly distressing because by the nature of their business, I have no control over being their " customer '' or not. 

Besides that, their most immediate course of action to remedy this disaster was to rather sneakily try to trick me and other consumers into allowing us to shield them from legal consequence by tucking an arbitration clause into their offer of free credit monitoring terms of service which is n't even displayed on the same page that you sign up for said monitoring. It all stinks of rather underhanded tactics, to me. 

This company deserves to bear the FULL burden of consequences for having endangered nearly half the adult US populations ' personal info.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received notifications from XXXX XXXX, XXXX, XXXX, and XXXX that my personal information had been hacked. I have been disputing several accounts with Experian, XXXX, and XXXX for almost XXXX years. I now know why there is a XXXX filed against Experian, XXXX, and XXXX in several states for not properly investigating consumer disputes and for listing inaccurate information on credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Closing/Cancelling account

Complaint: Barclay bank cancelled all my accounts w/ no reasoning. Now they have messed up my credit report. Now I am unable to get approved for other credit cards because on my credit report, I have entries that state " cancelled by grantor. '' This is not right because I did nothing wrong with them. I paid all my bills on time. They should have at least given me time to close the account myself so that it does n't negatively affect my credit. 

This feels arbitrary and discriminatory. There was no rhyme or reason 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 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Around  XX/XX/XXXX  I sent an dispute letters to  XXXX ,  XXXX , and Transunion disputing about the following inaccurate information : 1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   3.   XXXX    Around  XX/XX/XXXX , I called all credit bureaus for updated investigation status. I was told by  XXXX  that they had received the letters, but has not gotten to investigating  XXXX  yet, but was behind in the mail so they were still investigating  XXXX . Under the Fair Reporting Act, the investigation should be done in 30 days. That did not happen due to the Holidays. I sent another letter asking them to investigate. I thought this matter was resolved until I applied for an apartment on XX/XX/XXXX .I was told by the apartment complex that this same information disputed in   XXXX   was impeding me from getting approved to have a roof over my head. Will you please provide me a description of the procedure used to determine the accuracy and completeness of the information, including the business, name, address, phone number and documentation submitted to credit bureaus to validate the debt? I am requesting this information for all  XXXX  credit bureaus.
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In addition, I want you all to investigate the credit bureaus refusal to supply an updated credit report when items have been disputed, deleted and changed. Each time I call to ask for the disputed results in writing, I was told I had to subscribe to a paid monthly service to get credit reports. I had to ask for the manager to get an updated credit report for free. The credit bureaus are more concerned with selling you credit reports or scores than they are about doing their job, to report accurate information. How can they become more user friendly, accurate, and provide the service mandated by the government. Please help.
<P/>
Thanks   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 03/28/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have never had any XXXX with the IRS or the state and this info shows up on my credit report. I have contacted both the IRS and state and they have no record of me owing a XXXX. this info. is possibly fraudulent and does not belong to me as I can recall. I need for someone to look into this misrepresentation of facts on my report and have it removed ASAP. Also, they are past the 7 year time frame an item can stay on your report and need for it to be removed. 

Can someone please look into this have it corrected and send me an updated credit report. Also, the reporting bureau should be fined for placing inaccurate info on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Problem with fraud alerts or security freezes

Complaint: This morning, X/XX/17, I tried at least three times to use the security freeze option offered online at Equifax 's web site at freeze.equifax.com. Each time, after following all the steps, I received a " 500 '' error message. I then went to equifax2017.com, and followed the instructions, to no avail. I tried the phone number given for freezing my credit at Equifax, XXXX. Following all of the prompts, " 5 '' and then " 3 '' I got through to the freeze function and was informed by a recording that it was unavailable. Through XXXX 's web site, I then tried another Equifax number, XXXX. After waiting on hold for a while, a representative answered and told me that in order to freeze my credit, I needed to go to www.ftc.gov/XXXX. I went there, and could find no means to freeze my account. Searches on that site for " freeze '' and " security '' revealed nothing. I then called the XXXX number again, XXXX, and was told that I should NOT use the ftc website, and instead should go to equifax2017.com. When I told the representative this did not work, he went away for a moment for further instruction. When he returned, he could do nothing but read from a script with the same instructions and say " I 'm sorry. '' I told him that the information being providers was useless, and he said " I 'm sorry '' as if he truly meant it ; I felt badly for him that he was put in this position.

Company response to consumer: Closed with explanation