milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XXXX of XXXX, XXXX incorrectly listed a payment from XXXX XXXX as late that was not late due to a change in monthly due dates. I changed it from due the XXXX to due the XXXX. I noticed this in XXXX and contacted Equifax on XXXX XXXX, XXXX to remove it. The woman I spoke to in the office of consumer affairs, who was wonderful, contacted XXXX and agreed to remove it. It was never removed. I attempted to submit online so that I would have written record of my transaction. Equifax online dispute has been " temporarily suspended '' since XXXX XXXX of XXXX, when I first tried ... I have attempted about once every XXXX weeks since then. On XXXX XXXX, I mailed a letter with all information. Never received any form of reply. I even checked my spam box in email just in case. This dispute is now long past the 30 days and I would like to have this removed as it is hurting my credit score and subsequent loan rates. I feel that I have been more than patient before escalating this issue. 

Thank you for your time, XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Multiple Credit Solutions (NC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I 'm wanting to find out what all these bills and hospital bills are that 's in my name it shows I 've been to the hospital like 3 times this year when I 've not been there in about 3 years if not longer my date of birth is wrong there 's a address on there that I 've never lived at the only thing I should have on my record is from XXXX XXXX and XXXX witch I paid off the XXXX bill and from XXXX XXXX and I 'm just trying to figure out what all the other stuff is on my report it 's causing me a lot of problems in my life thanks

Company response to consumer: Untimely response
Consumer complaint received 01/24/2017 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: My name is XXXX XXXX, and I work for XXXX XXXX XXXX XXXX. We are handling the title and escrow for the sale of XXXX property. XXXX gave me signed authorization to obtain their 1st and 2nd mortgage payoffs with Chase. I spoke to 3 different people at Chase on XXXX XXXX, 2017, in their 1st and 2nd mortgage departments. They all gave me the same fax number to submit my request for payoff and told me that the turn around time was 5-7 business days. I waited the full 7 days and called to check on my request. They told me that they did not have any record of my requests, and that they did n't show that fax number anywhere in the system. I have fax confirmations showing my faxes went through, yet they are saying my faxes were n't received. They 're also telling me that I now have to wait the 5-7 business days again. This is not acceptable. The customer is trying to sell their home and this will hold it up.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (UT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My Student Loan servicer is FedLoan Servicing. Recently, I submitted standing instructions to ensure that any additional payments I made on my loan were sent to the loan with the highest outstanding balance. What I was not aware of was that while I am in deferment, this would automatically send all my payments to one loan and would void my instructions for the distribution of funds to be allocated over all of my loans.
When I caught this discrepancy, I contacted the servicer to change the payments and then to have the instructions suspended while I am in deferment ( I do not want the interest of my loans to increase if I can pay it off ). However, it is taking an extremely long time to have this issue fixed. Why should it take 10 days to have the funds reallocated when it only takes one business day to take the funds form my checking account? 

Furthermore, at the instructions of the representative I spoke with, I submitted a secure email, through the proper channels, on ( XXXX/XXXX/XXXX ) to have my standing instructions suspended. I have attached an email confirmation that these instructions were received. I chatted with a representative today ( XXXX/XXXX/XXXX ) and have attached the transcript of the chat. They have no record of my request. While this is happening, the interest on my accounts grows. 

I do not want to pay extra because the servicer is being negligent. Now that they can not find my instructions, I had to resubmit them today and start the entire ten ( 10 ) business day waiting period over. This is an unfair, deceptive, abusive act and practice and needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Student loan (Non-federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (PA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I called Heartland on XX/XX/XXXX at XXXX pertaining to a deferment for my student loan account. They said I qualify for a deferment and I would have to pay the interest of XX/XX/XXXX for 3 months. So I receive an email on XX/XX/2016 at XXXX saying I do n't qualify for a deferment. I called them on XX/XX/2016 at XXXX and asked them to remove my checking account information. I wake up today and XXXX was drafted out of my account. I have screen shots of all information and correspondents

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX account included in bankruptcy and discharged but still Reporting as derogatory. I disputed via agencies the account is deleted then re reported as derogatory. ChapterXXXX filed XX/XX/XXXX discharged XX/XX/XXXX. Account was never a charge off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/24/2016 about Debt collection (Credit card) with Jana Ferrell & Associates LLC (OK).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: XXXX. I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. I did n't have any knowledge about this account to be send to a collection agency. The bank never contacting directly about this bill issue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation inaccurate information no knowledge of accounts on the breach of XXXX  sent po report 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 03/18/2018 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (TX).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX we obtained a 30-year mortgage from SunTrust Bank with a payment amount of {$1800.00} a month. A few months later we are sent a letter from SunTrust saying there is too much money in our escrow account and given a check of approximately {$6000.00}. In addition to the refund, they are dropping our monthly payment to {$1400.00} a month. In late XXXX of XXXX we receive notice that our escrow account has too little money in it, please send them close to {$7700.00} and our monthly payment is being upped to {$1800.00}. If we don't send them the {$7700.00} shortage, then our monthly payment will go up to {$2400.00}. That is a {$1000.00} increase in our monthly payment! The increase payment is to take effect in XXXX. We have had two months to prepare for an additional {$1000.00} in mortgage payment. There has to be something seriously wrong at SunTrust to make a mistake like this. We would like SunTrust to do whatever is necessary to fix our escrow account since the mistake is theirs. We should not be put in a position to lose our home because someone in their escrow department screwed up our account. I am attaching the letter we sent to SunTrust, the statement where they refunded the escrow money, and the escrow statement where they want the {$7700.00} back plus a higher monthly payment. We can accept going up to {$1800.00} in a monthly mortgage because that is what it was when we first obtained it. But, {$2400.00} is way too much.

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 05/27/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (LA).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, 2015 I was in an accident where my car was totaled by the other party. The insurance company as well as I have been requesting documents from Ally Financial to send so they are paid. I have called every other day since finding out that car was totaled and what was needed for the insurance company to issue payment. Ally has sent the documents twice with the wrong information which is baffling to me because I was on the phone when the Ally rep repeated the correct amount to the insurance agent. I, along with an insurance representative spoke to a representative for Ally on Tuesday, XXXX XXXX, 2015 and we were told that it could be another week before they receive the proper documents. This alone poses another problem because interest is accruing during this process and my Gap insurance ca n't payout until the insurance company pays and the insurance company ca n't pay until they receive the proper documents from Ally. This has been frustrating and very time consuming with the numerous calls that have been made and the wait times to speak with someone. In addition to the documents being delayed an insurance rep and myself spoke with an Ally representative on XXXX XXXX, 2015 who knowingly lied about faxing documents and saying they would be received within an hour. The Ally rep was caught in the lie when the insurance rep asked her to verify the information and she could n't. This has made me believe that Ally is n't interested in closing out this account and surely not in a timely manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX at approximately XXXX XXXX. I logged onto XXXX XXXX XXXX website to make my routine monthly payment. As usual, I was directed to the XXXX XXXX Speed Pay website for completion. I processed the payment, and received an email confirmation stating that the payment had been submitted in the early hours of XX/XX/XXXX. The email mentioned the date of XX/XX/XXXX, but I thought that was the processing date due to submission on a weekend. I received an email alert from XXXX  XXXX about being reported as 30 days late on this account, which was reported by them on XX/XX/XXXX. They are stating the payment was due XX/XX/XXXX. I immediately called on XX/XX/XXXX, but my account was not " escalated '' until XX/XX/XXXX. I never received a return phone call, instead having to call repeatedly until finally getting in touch with a rep on XX/XX/XXXX. They have been no help in this matter, and I am in danger of losing escrow on a purchased home as a result. I am in need of assistance on this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (Other debt) with CHECK INTO CASH INC. (MO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I was a former employee of Check into Cash in XXXX MO. The same day XXXX quit I applied for a loan based on my credit score I was approved for a {$500.00} installment loan. The next day I received a phone call from the District manager stating that I had committed fraud and I needed to have funds pain back on the nest business day which was the XXXX. I was not aware that you were not supposed to give loans to prior employees but she told me I would be arrested. I was told that I was not allowed back in the store so I had someone else take the cash in. They did not give her a receipt. I phoned an asked if the cash was received and she said yes. She wo n't give me a receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (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: To whom it may concern : I am filing a complaint against : Equifax Credit Bureau, XXXX. XXXX XXXX, XXXX, Ga XXXX, for inaccurate information and not following the law, FDCPA section 807 ( 8 ) and  FCRA section 623 ( a ) ( 3 ). I have attached multiply registered letter to both Equifax and XXXX XXXX, XXXX As well as the only papers I have ever received from XXXX XXXX, XXXX. 
What am I looking for you might ask? Information such as a copy of the original contract that they say I physically signed, supposedly agreeing to their payment terms when I opened this account. 

Not only have they ( XXXX XXXX, XXXX. ) failed to furnish me with a signed contract of monies they say I own, they ( XXXX XXXX , XXXX. ) continue to put remarks on my credit file via Equifax Credit Bureau. I have sent several certified registered letters to them asking for signed contract of debt. They have only sent me information generated invoice from their company. 

Verified : The collection agency may provide you with what they call proof, such as an itemized printout of what they claim is your account or billing statement. The FTC has issued an article on this subject, and concludes that an itemized printout does not represent verification. 
Unverifiable - you may want proof that a debt collector has the right to collect from you, and you find out that they dont have your original hand- signed contract on file anymore - paperwork gets lost. No proof of contract means no authority to report or collect from you. 

I also sent Equifax Credit Bureau information about the company in question. Equifax has not been so forth coming, saying that they have spoken with and validated the information to be true. Yet I still have not received any evidence to prove that fact. 

I would appreciate any help in this matter would be great. This matter has been going on for over a year now. 

Thank you Reference to : XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: The company sent me a letter in which I 've called the specialist XXXX XXXX and have left a few voicemails regarding these illegitimate charges. She has yet to call back or investigate this further. I also emailed her on XXXX XXXX 2017 and again did not get correspondence. She is very aware of these charges and will not remove them. Thus, Synchrony bank is knowingly and illegally collecting a debt and reporting it incorrectly to the credit bureaus which is also a violation of my rights as a consumer.

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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a vehicle loan with XXXX XXXX XXXX. I paid my loan off over 3 years ago and it is still reporting on mine and my husbands credit report as charged off {$2200.00}! This is not correct! We had the vehicle since 2008 and paid it all off in full. I really need this to be updated on our reports. I have tried to fix this in the past with no results.

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 06-12-2015 about Bank account or service ((CD) Certificate of deposit) with JPMORGAN CHASE & CO. (FL).
Issue: Account opening, closing, or management

Complaint: Simply, I am trying to locate and ascertain the whereabouts of CDs from XXXX, Issued for XXXX XXXX XXXX XXXX : XXXX XXXX XXXX AND XXXX XXXX is common knowledge that XXXX was acquired by WASHINGTON MUTUAL IN XX/XX/XXXX WHICH SUBSEQUENTLY FAILED IN XX/XX/XXXX and was sold to JP MORGAN CHASE by the FDIC after WAMU was seized and placed in receivershipCHASES RESEARCH DEPT CAME UP WITH NOTHING AND CAN NOT LOCATE THESE FUNDS, THE ACCOUNT NUMBERS, OR MY FATHER 'S NAME. MY dad, XXXX XXXX, passed away on XXXX XXXX, XXXX. I have contacted the New York Stae Controllers Office and they claim they never received these funds and is not being held there. My Complaint is that these Funds just do n't vanish into thin air and I need to settle my fathers estate and, as the Executor, need to distribute assets accordingly. I need an accounting and paper trail as to where these assets were sent.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Mortgage (Conventional home mortgage) with EQUITY LOANS LLC (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In XXXX of this year we contacted equity prime mortgage About refinancing ourchome. I was advised ( and I have maybe 500 Emails ) to get appraisal and stop paying mortgage. On XX/XX/XXXXhe XXXX told me we had issues with appraisal and to pay mortgage for XXXX. Which I did and it was considered late as it was n't received until XX/XX/XXXX. So equity prime says after making me pay twice for appraisal, first to see and second to make sure it was fixed .... I 'm denied for late payments. Unprofessional and XXXX has been fired. Please help us. Sincerely XXXX and 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 06/24/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have the same XXXX loans appearing as duplicates on my credit report. XXXX XXXX and then XXXX XXXX. XXXX XXXX report d these loans as late XX/XX/XXXX. Assigned my loans to XXXX and they too reported the same loans on XXXX/XXXXThese are the same XXXX loans same dates I was granted them. Same amounts. Same late dates. But rather than have the XXXX loans reflecting I have duplicates and they are XXXX items. The amounts of the loans are XXXX and XXXX. Just because they were later handled by XXXX does n't mean I have to have them duplicated. I need the duplicates deleted because this is an untrue reflection as each appears as a XXXX account I defaulted on when it should only be XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (LA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Bayview loan servicing is using a delay tactics to provent the transfering of mortgage loan to the XXXX XXXX XXXX 's XXXX XXXX XXXX. credit union requested payout of loan number -XXXX-they said they could not send it until XX/XX/XXXX. XXXX XXXX XXXX 's XXXX XXXX XXXX also reqused the verfaction of mortgage they are also saying they can not send until XX/XX/XXXX. This is a delay tactic and it is not necessary to take that long. <P/><P/>The XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
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: Please reference complaint number XXXX. 

XXXX XXXX XXXX in their response stated having submitted a request to suppression of a late reporting in XX/XX/XXXX on my personal credit bureau report. For a period of time this 30 day late was suppressed, however it is reporting again. Could you XXXX XXXX XXXX please re-send the same suppression to the CRAs for the same period as they had done so before as I believe this will relieve part of my complaint with XXXX? 

Regarding the late reporting showing on XX/XX/XXXX. This was a time period of extreme weather that impacted the processing of payments and deposits sent and received in this area. Roads were closed in some cases for several days and bank branches were unable to open. It is normal for creditors to waive late payment reporting in cases of extreme weather events and natural disasters. Could XXXX XXXX XXXX please suppress this 30 day credit item from my report on that basis?

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 10/14/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (GA).
Issue: Unauthorized transactions/trans. issues

Complaint: SINCE XXXX XXXX EST XXXX XXXX Rush card customers ca n't access their funds via atm. They ca n't make store/online purchases. Customer service XXXX number no longer works. Website & mobile app is XXXX for current customers to access accounts. Those who can access their account balances are incorrect & direct deposits are n't reflecting in accounts. People are stranded. They ca n't get to work school or health care. They ca n't buy food or prescriptions. They ca n't pay rent or utilities!!! WE NEED HELP!!!

Company response to consumer: Closed with monetary relief