milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX  has me listed as making several payments over 30 days late.   All of the following months are listed as over 1 month late.    XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . I always make my auto loan payment online through  XXXX . I would then be transferred to  XXXX   XXXX  to process my online payment, for a fee. At first my payments would pos t within a day or two, but then so metimes it was well over a week before my payment would show as processed. I went through a difficult year, and did make a few payments after the due date, but I never allowed those payments to go after the 30 day mark. Somehow,  XXXX   XXXX  held my money and caused it to go over the 30 day mark. I have requested at least 5 times, several in  XXXX  and once in  XXXX  of  XXXX , that  XXXX   XXXX  correct my credit report, but they do not. I no longer have my email proof showing when I made the payments, so I am now suffering horrible damage to my credit report, because of  XXXX   XXXX  and  XXXX   XXXX  's horrible payment processing system. Also, please note that none of my payments ever reflected as late, until  XXXX  of  XXXX , when I came to the end of a loan modification. It was at that time, that I w as notified from my credit reporting company, that one of my payments had been listed as default of 30 or  more days. I find it extremely odd that they would wait until a year or more later to change my credit report, if my payments had truly been late. When I made my payment this month, I noted that  XXXX   XXXX  is no longer using  XXXX   XXXX  as their payment processing service. Please help me get this matter resolved, so that my credit report can be properly corrected

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 12-04-2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: XX/XX/XXXX I opened up a joint TD Bank account ( with my mother ) for use while I was studying abroad. XX/XX/XXXX I took out the balance from the bank account, walked into TD Bank and asked to close my account. The teller led my mother and I to a banker who reviewed the account information, and said that we do not have to do anything else but 'cut up our debit cards and discard them '. Since there was a XXXX balance on the account, he will close it. After that date, I would receive statements from TD Bank. After contacting them several times, I was told that they are unaware of why I am receiving statements since there was a XXXX balance and I closed my account. I walked into the TD Bank on XXXX XXXX and XXXX XXXX in XXXX and asked to speak to a Banker to handle this issue. The Banker could not find my account information and said that it was closed. At which point I asked to speak to a supervisor. The supervisor was not present and I was told he will reach out to me after I provided my information. I stopped receiving statements and assumed that the issue was handled. At the time I was in college and was aware that I should documented this situation with more rigor. 

Today my husband and I decided to apply for a mortgage and after checking my credit history, I was told that my score is XXXX because I have {$41.00} outstanding as part of collections on that account. The {$41.00} is related to overdraft fees because I had no money in the account ( when the bank account required a balance at all times ). I have never received notice of collections related to this account. Furthermore, I have done everything in my power to close the through TD Bank and was misinformed throughout the entire process. This has now wrongfully affected my credit score and I was mistreated as a consumer. I am a working individual with XXXX debt, but I refuse to pay the {$41.00} as it was wrongfully incurred and should be removed completely from my credit history.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/27/2017 about Debt collection (Mortgage debt) with Seterus, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Filed a Chapter XXXX Bankruptcy in XX/XX/XXXX. The investor agreed to a reaffirmed amount of {$25000.00} and has ever since XX/XX/XXXX been asking for a different monthly payment amount that was agreed to in the court order and has now demanding payment of the cram down money which was discharged in the bankruptcy. The investor has now sued me for the discharged debt.

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 12-01-2015 about Debt collection (Payday loan) with Filings and Claims Inc. (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Was contacted 3 weeks ago and set up a payment plan for a check that is from 2008 they told me if I did n't get the {$250.00} paid off that they would be charging me {$1900.00} and take it out of my tax return. 
A week before the payment was due they called repeatedly about 6 times through the week to remind me over and over of my payment. 
My payment was due today but I had not gotten to the bank yet to put money in. They started calling at XXXX and called my phone XXXX times in a row back to back. I was in a different room dealing with my neices at the moment. I had answered the XXXX call from them and told them to stop blowing up my phone. They called back XXXX more times in a row. 
This is harassment and it needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Mortgage (Conventional home mortgage) with ATLANTIC BAY MORTGAGE GROUP LLC (FL).
Issue: Closing on a mortgage

Complaint: In XX/XX/XXXX, my wife and I closed on our loan for our home. It was to be a conventional construction loan and per the closing disclosure we were not to have an escrow account. From XX/XX/XXXX, toXX/XX/XXXX, we did not receive notification of any changes to our loan until we received a XXXX package on the front doorstep notifying us that we owe over {$7000.00} to finalize the loan. We were not notified of this amount previously and the communication from the company was only the interest bills that we were aware of and paid. I began to dispute this with the company in XXXX, it was not until XX/XX/XXXX that we received another XXXX package on the doorstep in which they state we owe over {$8800.00}. According to our closing disclosure, they opted out of us having an escrow and are now attempting to force into one with a large sum of money due to them immediately. We are not the only family to deal with this as we have met others with the same issues with this company. They have recently told me that the loan was not a conventional loan, but a XXXX XXXX loan, which is not disclosed on the closing documents. We have been told numerous things for them to change later. This company has lacked communication and lacked the ability to follow their own documents and force the consumer into large amounts due without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: The servicing for my loan recently transferred from XXXX to Chase. At XXXX ( and any of the prior servicers I have had in the past ) I was able to make bi-weekly payments. Chase does not. I called their support line and I was informed that 'Chase does not advice bi-weekly payments '. Furthermore, I was instructed that if I made bi-weekly payments I would need to call them to make sure the funds were applied correctly because they were not setup to handle bi-weekly payments. 

The fact that Chase does not advice bi-weekly payments completely contradicts all other financial institutions in terms of how to effectively pay down a mortgage and minimize interest payments. And the notion that I should call in each time I make an extra payment to ensure funds are accounted for correctly is frightening. XXXX would hope that Chase could handle this basic loan accounting themselves. 

Please recommend that Chase offer the proper options to those people with mortgages that are serviced by Chase. We should all be entitled to make bi-weekly payments if we choose and feel confident that Chase can process said payments correctly. 

Thanks in advance for you help and support.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hello Sir/Madam, I received a " Notice of collection placement '' from a collection agency by the name of EOS CCA sent on behalf of XXXX XXXX for the amount of {$1000.00} on XXXX/XXXX/15. I found out from XXXX XXXX that somebody had stolen my identity at XXXX XXXX store to purchase XXXX phones 2 years ago. I had to file a police report before sending my dispute to XXXX XXXX and XXXX via email with all of the support documentations. 


Best Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Navient had collections agencies calling me saying they had my account. Multiple agencies a day would call. I contacted navient and they gave out my information to these agencies. My account was NEVER IN COLLECTIONS and I lost all of the money I had been paying monthly to this agency that claimed they had my account. Navient is horrible and was no help and just lied and stole my money. They refused to let me defer my loans and fold me this was not an option. This has destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (Other debt) with I.C. System, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.

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 03/29/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax refuses to provide me with a supervisor when I as for it and instead their boiler room representatives hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (IA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX / XXXX /   2017 I  called and spoke to  XXXX   XXXX  in regards to this inquiry being on my account. When I spoke to him he informed me that I did authorize the information because whoever tried to get an application in my name had all my information. I asked if I could get an application with my signature on it and he advised that they will try to send the application with my signature. I never authorized this company to run any kind of inquiry. He said that it was done on-line which give me more reason to have this removed off my credit. This inquiry is making it hard for me to get approved for any kind of loans to get a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: EquifaxXXXX XXXX XXXX XXXX and the ftc unknowing that I have been a victim until my life been impact my life health and job. to be emotionally mental broken down and tired of these company when I 'm a victim

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Consumer Loan (Vehicle lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (PA).
Issue: Managing the loan or lease

Complaint: For the XXXX 2015 payment, I sent a check to GM Financial. Twenty-four days latter the check still was not cashed. I put a stop payment on it with my bank which cost XXXX dollars. 
I then sent out another check to GM Financial. The account is current and five months have passed. After five months, I still see this as outstanding on my credit reports. Like its some type of retaliation by GF Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (AZ).
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: This is a follow-up on complaint XXXX regarding the closing of complaint and cfpb did n't even look into the matter regarding chase billing dispute and false statements report to credit bureaus and to CFPB. Chase stated to CFPB THAT my slate account was sold to XXXX On XX/XX/XXXX they also sent me a letter from XXXX XXXX XX/XX/XXXX stating the same false statement and violated FCRA When they submitted false statements to XXXX  stating that the slate account could not have been sold to XXXX in XXXX cause on my XXXX report XXXX XX/XX/XXXX the slate account was not even opened until XX/XX/XXXX and closed in XX/XX/XXXX. Also I sent chase XXXX XXXX an email with my meeting with the branch manager on XX/XX/XXXX where I clearly told him to close all my accounts. So they are reporting false statements about the XXXX card XXXX XXXX sent me a letter dated XX/XX/XXXX saying that they found no evidence of me closing the account with the branch manager and he States please be advised that the account is closed XX/XX/XXXX but I did not close the account on that date but they reported it to XXXX that the account was closed at consumer request but it does n't show the account is closed it shows 150 days late payments and false credit limit of {$500.00} when it was {$4000.00}. They said my mother was added as a authorized user XX/XX/XXXX which is completely false and my mother was not even on my account. I was a authorized user on my Mother 's Chase Freedom Card but they closed that a month after she XXXX they reported it for 3 years to the credit bureaus but they stopped reporting that account. They also state she was removed from the XXXX card on XX/XX/XXXX which is completely False statement my mother XXXX XXXX XX/XX/XXXX why did n't I have her removed then Ask them for documents I sent to Chase where I closed the account where I removed my mother from my XXXX card and if they ca n't prove what they are reporting to you and the credit bureaus with letters I sent to them on the date they claim these events took place with my signature and date then they are knowingly violating the FCRA and I am a XXXX veteran and probably violated the American with disabilities act also. They have sent different letters with different facts that are completely false and they know it

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/25/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: SYNDICATED OFFICE SYSTEMS ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify SYNDICATED OFFICE SYSTEMS or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNDICATED OFFICE SYSTEMSor any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Debt collection (I do not know) with Choice Recovery, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have received calls and notices from Choice Recovery in regards to an alleged debt owed of {$1800.00}. I sent a dispute notice for validation a few months ago and never received any response.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 10-11-2016 about Debt collection (Medical) with Synerprise Consulting Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have documentation that I can fax or upload to you. Also, the XXXX businesses that I have dealing with ( XXXX XXXX, XXXX, and Synerprise Consulting ) have all verified that the XXXX HAS been paid. This can potentially cost me thousands of dollars with a mistake that was not mine. Please help. Nobody can explain.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am paying for this loan when the school is out of business the school is named XXXX. I am paying to UAS XXXX who is handling my private loan for something I do n't attend to and went out of business. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo filed a foreclosure with the XXXX County courts on last Tuesday ( XXXX/XXXX/XXXX ). A Case Management Conference has been set for XXXX/XXXX/XXXX at XXXX. They have n't even served me as of today ( XXXX/XXXX/XXXX ), but yet " questionable '' summons have been submitted to the courts. My mailbox has been inundated with letters from local attorneys attempting to solicit my business on a matter that I knew nothing about. I tried to get another HAMP modification after my hardship began on XXXX/XXXX/XXXX, but I was told verbally and in writing that I did n't qualify because 2 years had n't passed since my last application. I have reached out to Wells Fargo more times than I care to count and only to be denied further assistance from their rude and unprofessional customer service representatives. I had to go online to find the Homeowner Financial Assistance Form and Hardship Affidavit Form in order to submit my modification packet on today ( XXXX/XXXX/XXXX ). I 'm awaiting a response from their Home Preservation Department.

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 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Problem with fraud alerts or security freezes

Complaint: I wrote the  XXXX   Credit Burrows 50 time s sending the m 3 forms of ID that No bank can Verify me and the Credit Burrow neve r  Respond    XXXX   XXXX   XXXX    Employee  intentionally Rob me  XXXX  dollars and i ca n't Get a New Bank Account in 3 years.   I have been denied  70 Bank Accounts in the la st 3 years.     I only have one ATM Card and better fly Two  XXXX  two Ask  XXXX  or Sue the Credit Burrow and   XXXX   XXXX   XXXX    Im Going two  Start Suing the Credit Burrow from a new Country Every 3 Months Nobody can sue the Credit Burrow From any Country the only thing People can do is Nothing.

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