milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2018 about Credit card or prepaid card (Store credit card) with Priority Financial Services (VA).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: XX/XX/XXXX - a credit application was filled out with XXXX XXXX Application never left the desk and I withdrew it due to horrible business practices. 

XX/XX/XXXX - I received a XXXX XXXX credit card in the mail. I never applied for the card. I called and had the card closed. 

XX/XX/XXXX - Spoke with Priority to have information removed from my credit report as it was pulled without my permission. XXXX XXXX is refusing though they admit in their submission to the XXXX that they pulled it without my permission.

Company response to consumer: Untimely response
Consumer complaint received 02-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: this complaint is regarding Bank of America credit cards ( 2 ). I had a credit card which had been set up on automatic payments, had a XXXX balance for several Years. I began using it again in XX/XX/XXXX and received my monthly statement with a due date of XX/XX/XXXX and a minimum payment of {$30.00} with a balance of {$2000.00} but did not pay it since it had previously been set up on automatic payment ( all of my bills are automatic payment ). I have these accoutns with BA for over 10 years with XXXX late payments. Today XX/XX/XXXX I got an email that BA had not received my payment and was lowering my credit limit to the amount of my balance on 2 cards, the other card which was not late. I called customer service and made a large payment of {$500.00} today. I also called BA customer service and filed a complaint with the following reasons : 1- their website is difficult to navigate and difficult to set up automatic payments. 2- I had never had a previous late payment with them 3- the decision to lower limit was arbitrary and not based on previous slow credit payments with them 4- the arbitrary decision to lower my credit limits could negatively impact my credit score with credit reporting companies. XXXX there is no " grace period '' or notification that your payment is past due.

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 monetary relief
Consumer complaint received 04/18/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Application, originator, mortgage broker

Complaint: I 've had a mortgage since   XXXX   and never missed a payment to date but there was a letter from the bank that stated I needed to pay {$50000.00} in  one  lump sum, but being  XXXX  with nothing more than social security I can barely make my regular bills so i have to get help from my  XXXX   XXXX   XXXX  mother so I applied for a home equity loan because the house is worth about {$300000.00} so i have {$250000.00} in equity and they have been stringing me along for 8 months having me re-fax documentation over and over with no decision on the extension of the loan, then they put information to the credit bureau stating that my payment are late making it impossible for me to go somewhere else than  Bank of America  so its like they sabotaged my probability of obtaining a loan period so the can take my house since there 's only {$50000.00} left on the house that would make their profit around {$200000.00} to {$300000.00} a pretty tempting business deal and I cant say for sure that its their intention but why would they hold me off since  XXXX  without a decision although they did deny the loan and I 'm in the appeal stage and faxing all that information again, so it makes me feel like foreclosure with no out so please help me

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 01/27/2016 about Mortgage (Conventional fixed mortgage) with Franklin Credit Management Corporation (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Entered in a mortgage modification with Franklin Credit Management Corp in 2011, terms : " A '' .give them {$150000.00} which I gave them, " B ''. Make XXXX payment of XXXX a month for 6 months which I did, " C ''. I was to be giving a permanent modification once A and B were completed. Permanent modifications agreement terms. {$150000.00} mortgage over 40 years with monthly payment of {$930.00} a month, balloon payment end of 40 years of {$170000.00}. Pay my own real estate taxes and home owners Ins. ( no escrow ) They are still trying to foreclose and will not honor the agreement. They now have another mortgage servicer involved XXXX mortgage servicing, XXXX new York.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I lived in the XXXX at XXXX XXXX XXXX back in 2014. There were some issues at this property and I had requested to move before the lease ended. I was advised to pay the lease breaking fee of {$1800.00} and will forfeit my security deposit. I had provided 2 money orders totaling that amount and once I had a walk thru with the property manager and they determined that I have a {$0.00} balance. I have Section 8 and you are not able to move from a property unless you have a {$0.00} balance. As you may know, I still have Section 8. A few years from when I moved from there, I saw on my credit report a balance of {$340.00} and later it increased to {$440.00}. I called the complained on BBB and the management property stated that I owed that money for repairs that were needed. There were no repairs needed when I moved out, which was the purpose of having a move out inspection. I checked in the state of Illinois and the state of Colorado and saw that the collection company IQ Data International IN does not have a license to collect in either state. Please help me to resolve this matter and remove from all credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This morning, because of my being alerted from my Experian credit monitoring, I was notified that I had XXXX additional inquiries report on my credit file with XXXX XXXX on XXXX/XXXX/2016. I have since spoken with XXXX as of this morning regarding this and bringing it to their attention that this was in fact via a fraudulent nature. They have told me that they did not do hard pulls on my credit file, but did do a " soft '' pull on the same day. As you can plainly see, there were a total of ( XXXX ) hard pulls and XXXX soft pull to my credit file. I have disputed these with XXXX and would greatly appreciate your disputing this as Fraud in hopes to help expedite the removal of these accordingly. 

Regards, XXXX 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 non-monetary relief
Consumer complaint received 08/17/2017 about Debt collection (Auto debt) with Bridgecrest Acceptance Corporation (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX, 2017 I discovered Bridgecrest Credit Company , LLC had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item according to the FCRA. I did not receive any such notification.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including my name, social security number, address, birthdate, driver 's license number, credit card numbers, and potentially more. A data breach occurred in XX/XX/XXXX but they did not notify me of the breach, instead directing me to another credit monitoring product at www.equifaxsecurity2017.com containing egregious terms of service language. The complimentary product they offer is only available for a year, which does not cover the period of time necessary to protect my social security number from fraud resulting from the breach. Equifax ultimately did not have the necessary security protocols in place to handle highly sensitive personal information of 143 million Americans, and they 're actions afterward are not in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Credit reporting () with SYNCHRONY FINANCIAL (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I received a letter from XXXX dated XXXX/XXXX/2017 in regards to my initial dispute with invalid personal information, invalid credit reporting, and inadequate reporting that was simply copied and paste from credit report. For example, the XXXX account 's date updated and Loan Type on the investigation report is different from the credit report. I requested to remove both accounts from my credit report. Especially, the XXXX account that has been closed for more than seven years closed without a balance. Also, my personal information was entered incorrectly, which I requested to update yet they failed to update my information. Hopefully they will comply with your department. Thank you.

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 04/16/2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, About almost XXXX years ago my husband and I lost our home that was financed by Flagstar bank. We tried for about a year to try to modify our home with unanswered questions. They asked for paper work, we sent it. They kept asking for the same information over and over and over. They seemed to want to help us but once they received everything they asked for they said it was too late. I have faxed papers over and over and over and even had different agencies trying to help me modifiy my loan. Nothing was done and my home was foreclosed on. We did not want to lose our home and tried everything in our power to try and save it. Whatever they asked we did. From papers being notorized to simple bank statements. they received it all. They kept sending the same request over and over and we kept sending everything. They did nothing. This bank had no intentions in letting us modify are loan and its plane simple and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax shows a XXXX credit score despite the fact that I have standing credit with XXXX banks and other creditors. I 've contacted my creditors and all said they report to Equifax, when contacted Equifax I was told it was the creditors fault for not reporting. I have excellent credit and no problem with XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (FL).
Issue: Using a debit or ATM card

Complaint: Good Morning, I have been a Chase authorized user since for the past 13 years, I first opened my Chase account when I was a XXXX in fact because I had heard amazing stories from my parents about their professionalism, and how they truly cater to those bankers in the neighborhood. One of the best features for me as I got older was Chase Quickpay. It was an amazing tool to use being that I left XXXX to go to college out of state and was able to receive / send money back to my family in XXXX. As I 've gotten older it 's become even more beneficial as I have relocated from my hometown and use the function to send money to my family. Chase had this wonderful option which made me feel safe and secure that if for some reason I typed out an incorrect address or phone number I had a grace period where I can cancel the transaction, and the money would not be deposited into said account. I do n't know who is responsible for the decision making at Chase, but whoever thought it was a great idea to REMOVE that option and AUTOMATICALLY deposit the money into the 2nd parties account, really messed up. I sent a quickpay for {$740.00} to an incorrect address, I noticed immediately it was an incorrect address and notified chase as quick as possible. They said it would take about 3-5 business days to get a response or action on my claim and to keep my eyes peeled to my email address. The 3-5 business days had passed and I 'd yet to hear any thing back from the Bank, I called them myself to follow up and they informed me they would re-file my claim and get back to me. It has been a total of ( 17 ) days since I first filed the claim and I have yet to receive any type of follow up. I called Chase this morning only to be told that " Oh, well if you have n't heard anything back that means we ca n't help you, we do not have any Quickpay protection it 's up to the consumer to make the right decision. '' Seriously? That is the response I get? After waiting this entire time it took that gentleman 2 seconds to tell me this while the rest of the company has had me in Limbo? How can this be? How can you DELETE a function that protects your VALUED customers and then when an issue arises basically kick them to the curb and inform them that sorry, your money is n't our concern? How is this possible? I just want the situation rectified, I have complied with all of Chase 's demands and needs pertaining to this matter and yet there is nothing they can do at all to rectify the situation? How do you not plan for this or have a system in place to protect your customers. It 's crazy that after years of banking with them everything I thought Chase stood for it is actually the opposite.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-09-2017 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (OK).
Issue: Trouble during payment process

Complaint: They mailed us a letter saying we were delinquent and gave us options to avoid Foreclosure, but we have made every payment, and they concurred we were up to date on our payments, and we asked for a letter stating that we should never have received a delinquent letter due to their mistake. The first person basically told my wife when she first called that we would n't have got that letter if we made our payments and then they told my wife that they do not normally send letters but would see what they could do. I have been trying to speak to an upper level  manager  and so far I have been unsuccessful. I just want to speak with somebody above a front line supervisor who can make decisions and so far they have n't allowed me to. This was a very aggressive letter, especially when you get it on Saturday evening and you have no immediate recourse.

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 10/24/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Applying for a mortgage

Complaint: Applied to XXXX XXXX for loan modification, received approval on XX/XX/XXXX for a  Streamline Modification. On the same documents assigned a relationship manager XXXX XXXX XXXX. I set up a phone call appointment on XX/XX/XXXX for XXXX to call me at XXXX XXXX.. Called multiple times confirming the approval and was told if our family just made the 3 payments listed we would get the modification. Tried to reach XXXX XXXX XXXX but no luck. Spoke to several relationship managers assuring me we were good. Our family is under a chapter XXXX bankruptcy and spoke to our attorney on XX/XX/XXXX to end the bankruptcy. The following Monday, I received more documents stating Sorry, this has been denied on XX/XX/XXXX. I called, spoke to a XXXX who said Ocwen made a mistake. A mistake. We are devastated. Immediately reached our attorney again and said do not submit the court papers. We will stay with the Chapter XXXX because I trust the courts more than XXXX XXXX. As soon as it is discharged I can not find another Mortgage company fast enough to refinance. I have submitted said documents.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: XXXX XXXX at XXXX XXXX XXXX XXXX pa XXXX and u can call me at XXXX anytime or day .please can someone fixed my report because it 's all all mine at all someone store my social security card as my kids too.

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 08/15/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Trouble during payment process

Complaint: My loan was service transferred from XXXX XXXX XXXX to specialized Loan Servicing over a month ago. Since my loan is in the state of my deceased mother they have not spoken to me about the loan even though I have on multiple occasions emailed and faxed over the documentation showing the estate awarded to me and on the Executor of estate. Also XXXX XXXX XXXX should have transferred this information over as well. There is an issue with my escrow account and nobody will talk to me about it even though I keep sending them the proper documentation so they can speak to me. At this point it 's costing me more money from them because there appears to be forced placed insurance in addition to my regular insurance and I ca n't speak to anyone about it to get this rectified.

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 02-03-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I currently have my mortgage with Ocwen. I have requested via telephone numerous times a monthly billing statement, to date I have not received that. This has been going on for almost two years. I get the same response " We will mail it to you ''. As stated, it has been almost two years and I have not received anything. I would like to receive monthly statements, as I did in the past, I have been with this mortgage company on and off since 1997 and this has been the worse customer service in the world. I am in need of some resolution. It is apparent that they do not care about their customers. Very poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit card () with FIRST NATIONAL BANK OF OMAHA (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Someone trying to open a credit card under my name from  XXXX  and  XXXX  first bank card.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
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 account was open online over the internet. BY LAW SECTION 609 ( a ) ( 1 ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY- THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNT YOU POST ON A CREDIT REPORT. OTHERWISE ANY AND ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL OR EMAIL IN A FRAUDULENT ACCOUNT. I DEMAND TO SEE VERIFIABLE PROOF ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) YOU HAVE ON FILE OF THE ACCOUNTS LISTED. YOUR FAILURE TO POSITIVELY VERIFY THESE ACCOUNTS HAS HURT MY ABILITY TO OBTAIN CREDIT. UNDER THE FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME A COPY OF VERIFIABLE PROOF OF AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT, THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNT YOU POST ON A CREDIT REPORT. OTHERWISE ANY AND ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL OR EMAIL IN A FRAUDULENT ACCOUNT YOU MUST REMOVE THE ACCOUNTS LISTED BELOW. FURTHERMORE, XXXX XXXX XXXX can not provide proof that this is my account. I am asking that this account is COMPLETELY remove from my credit history. XXXX XXXX XXXX is not a business its SCHEME. Reporting information that is completely wrong. PLEASE REMOVE/DELETE FROM ALL FOUR CREDIT REPORTING AGENCY ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have never had a XXXX before, but for some reason there is XXXX showing on my credit report and it is past due. This is fraud and not mine. This has caused my score to go down a lot and has prevented me from getting a job. 
This needs to be removed ASAP and investigated. Thank You

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 11-12-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I had 3 months trial loan modification from XX/XX/2016 to XX/XX/2016. 
I had made all XXXX months trial payments on time. The loan conciliation conference meeting was scheduled in XX/XX/XXXX for a loan modification at the local court. I was supposed to receive a final loan modification decision after making XXXX months trial payments ; however, I had not received anything from them. I made another extra payment while I was waiting for a decision. In the meantime, I had spoke with the person who works at the law firm ( for Wells Fargo Mortgage Co. ). As per she says, they had received the final loan modification from the Wells Fargo and we were approved. I had called Wells Fargo loan modification department and spoke with the XXXX. As per she says, the payment which I had made extra payment would be applied to XX/XX/XXXX payment ( which I would have a new loan modification from XX/XX/2016 ) and my first payment would start from XX/XX/2016 
However, an extra payment was not applied to XX/XX/XXXX payment and the Wells Fargo had not sent the mortgage statement which I was supposed to receive every month. 
Therefore, I would like to complaint my extra payment which have not applied to XX/XX/XXXX and they have lied to us. For that, I have XXXX month payment behind now. I would like to refund {$1300.00}.

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 monetary relief