milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2016 about Payday loan () with Premier Recovery Group (IL).
Issue: Can't contact lender

Complaint: I continuously receive phone calls from a company named Premier Recovery Group ( PRG ). I decided to contact them today to find out what is the nature of their consistent calls. They mentioned something about an online loan from many years ago that I have no knowledge of. in addition to the rude tactics the representative had while speaking with me, there are several FDCPA and TCPA violations. The agent never provided the mini miranda, did not properly identify he was speaking with the correct person nor did he provide the recording statement. I have never given this organization express consent to dial my cell phone number ; I do not even know who they are. When I verbally requested a cease and desist the agent began to yell " Pay your bill '' several times and hung up, then called right back. I did not apply or receive any payday loan for whatever time period they are claiming

Company response to consumer: Closed
Consumer complaint received 07/25/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: To whom it may concern : ON XXXX XXXX, 2016 I 've sent these dispute letters to XXXX, XXXX and Equifax a dispute letter and other valuable information containing my ID, drivers license, permanent resident card, passport, SSN, birth certificate, banking information, telephone information, all required information disputing information contained on my credit report. Now, to this present say, XXXX and XXXX removed all the negative information, Equifax has not to this present day even acknowledges they received the dispute letters and my personal information, and I DO NOT need my information just sitting there in their custody lost. I 've again mailed the exact same copies to the other addresses listed on their website on XXXX. XXXX, 2016 and I 'm receiving the same responses from Equifax , whether they received my dispute letter and information. I'am truly hoping your office can find out this information per my request, since Equifax refuses XXXX reply. I have all receipts from the post office confirming the delivery of ALL of my dispute letters. I mailed my personal information to these addresses : ( Equifax ) First dispute letter sent XXXX. XXXX, 2016 to this address : XXXX XXXX XXXX XXXX, GA XXXX and the Second dispute letter sent XXXX. XXXX, 2016 sent to this address : ( Equifax ) XXXX XXXX XXXX XXXX, GA XXXX, the only reason a second dispute letter was sent, XXXX and XXXX, 4 days later requested all the above information from me, and I still have those letters. I have NOT heard NOTHING from Equifax , and 5 days later XXXX removed ALL negative information from my credit report to include XXXX, NOTHING from Equifax! 
If Equifax is legally allowed to operate a business in such a manner, please file a complaint against this company for me, and I want to have a dispute placed against Equifax for legally, not following the FTC laws and personally not disputing the information I requested Equifax to dispute on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Bank account or service (Other bank product/service) with SUNTRUST BANKS, INC. (NY).
Issue: Account opening, closing, or management

Complaint: A bank fraudently claimed ownership of land that isnot there property. In an attempt to sell a home they rippeddown posted signs, removed a house trailerand sold it, and trespassed. They refuse toreturn any phone calls and will not talk to lawenforcement. They are attempting to sell a propertywithout a proper land survey, then leave the messto my family and the new land owner in an effortto make a quick profit- this is fraud. The Bank is Sun Trust. 
The land has been in my family for about 100years with well defined borders. The addressis next to the banks land at XXXX XXXX XXXX PA. I have attempted to call SunTrust 18 times, they will not respond. I filed a policereport with the State Police, but they hang upon law enforcement and refuse to answer anyquestions. They hired a people to illegallytrespass, rip down posted signs and stealproperty- an RV home. This all is an attempt toile a quick saleand profit before law enforcement can react.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 04-04-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TN).
Issue: Account opening, closing, or management

Complaint: My father has been in the hospital since XXXX XXXX XXXX unable to handle his finances. We called XXXX XXXX to gain access to his accounts with the Power Of Attorney papers which they would not accept over the phone. They required us to bring it and us to a bank branch with a notary in house. The closest one was 4 hours away so we left work midday on XX/XX/XXXX16 and after 4 hours we supposedly left there with the ability to log into www.wellsfargo.com and create a user name and password to handle my fathers accounts. Except the credit card they sent the paperwork to that department and said that it could take up to 4 weeks before we can access it. We drive 5 hours home ( rush hour traffic in XXXX ) and upon trying to do as instructed it said that it could n't find my information to call an XXXX number so I call and the woman says that I need a reference number repeatedly and something about the account being locked. Monday XXXX/XXXX/16 I call as soon as the branch opens and ca n't get XXXX but XXXX says that we have to be there in person with our ID for the online people to unlock the account. You have to be kidding right? I call back and he says that he will see what he can do. Hours later I call and get him again and he says that every time he tries to call he gets interrupted and just after talking to him XXXX calls and she says that she will check on this and call me back. Here it is after XXXX here in XXXX and still no access. After we got home also I called to check on my father and he is getting worse and may not be here much longer. If I spent the last weekend of my fathers life playing games with Wells Fargo instead of seeing him this is sad and pitiful what they do to people.

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 (Conventional home mortgage) with Stearns Ventures, LLC (NH).
Issue: Trouble during payment process

Complaint: I apologize in advance for the tone of this email, but it 's frustrating to have had my mortgage sold to a company that is unresponsive and seemingly disinterested. 

Early in XXXX I switched my home insurance companies and began paying through payroll deduction. I informed the mortgage company ( XXXX XXXX, XXXX ) ahead of time of the switch, which they never processed. I received in the mail a warning that my insurance expired and Stearns was purchasing a more expensive plan for me. I called to resolved and remind them of the change, which seemed to resolve the issue. A few weeks later I saw a payment from escrow for the full annual payment for the new insurance policy. I emailed and called to attempt to resolve, with no luck via either route. I have since been paying a higher monthly mortgage payment due to the still included escrow amount for insurance, as well as paying for the insurance via payroll deduction. I have now been receiving refund checks from my insurer for over-payment and my attempts to contact Stearns are ignored - i.e. my emails are " acknowledged '' but never replied to and I have not received a call from the company. I refuse to call again after being " transferred '' back to the auto-prompt multiple times. My calls literally go back to square one. 

Below is part of the email chain ( redacted ) I have ( a one-sided " conversation '' ) where I explain the issue as I did over the phone and suggest what actions need to be taken to resolve the problem. This has worked as well as calling the company ( i.e. It does n't ). 
" I emailed you multiple times over the past month to update my insurance and escrow. It 's finally recorded with you, but the monthly payment on my escrow has not been updated yet and you paid my home insurance in full from my escrow when I told you in each of my emails that it is now paid through payroll deduction on my end. Please recall the $ XXXX you paid to XXXX XXXX on XXXX/XXXX/XXXX, adjust my monthly escrow payment to reflect the fact that I now pay home insurance through payroll deduction, and recalculate what is needed to be kept in escrow. Please call me to confirm what work has been performed on your end when this is resolved. '' ( redacted prior email ) " After multiple email tickets over the past few months with no success, I just spent an hour on hold, being transferred, and hung up on multiple times via the number provided here. If I can not get assistance via email or phone, I 'm not really sure what I need to do to get assistance. If you have any questions, and because calling or emailing you had been fruitless in numerous attempts, please call me if you have any questions or need to speak with me to address the above. ''

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 03-07-2018 about Mortgage (VA mortgage) with MidAmerica Mortgage Inc (AZ).
Issue: Trouble during payment process

Complaint: I have a 30 year fixed, VA loan at 3.25 % with Mid America Mortgage. 
My payment has historically been XXXX/month until I was notified that my payment would increase to XXXX/month beginning XX/XX/XXXX and another increase to XXXX on XX/XX/XXXX. I was told that this was due to increases to insurance premiums. 
My insurance is only $ XXXX/year and the cumulative increase from XX/XX/XXXX to XX/XX/XXXX is XXXX or XXXX/year. I was already paying PITI monthly when my payment was XXXX/month so something is drastically wrong with the management and administration of my account. 
I have brought this to their attention ( Your reference/ticket number is XXXX ) but no one is responding to me. When I attempt to call customer service, the automated menu system does not recognize my SSN or account and dumps me out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Several years ago I was granted a mortgage modification from Indy Mac Bank. Everything was great. Then my loan was sold to Ocwen Loan Servicing LLc . After several months they added XXXX in past due fees from the time during my modification process. When my modification came thru I needed to pay my new mortgage payment for 6 months ( I think may have been XXXX ) and then my mod would be complete no further charges or fees. How is it possible that 3 years later there are charges. Everything was rolled into the loan and I was in good standings with Indy Mac. now I have and additional fee that I do n't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
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: I have multiple times disputed XXXX XXXX XXXX collection to be to be removed from my transunion and XXXX Credit Reports. At least for Trans Union I have disputed several times and they have failed to remove this information from my credit report as the company has failed to provide any information from the original creditor on this debt, in fact my complaint through the CFPB they stated they are " trying '' to contact the original creditor, in the last two years they have n't sent anything!! In fact I called the original creditor and they do n't have any records for me. Thefore if this balance, proof of fees added illegally after charge off or a balance billing statement this collection should be removed. The told on themselves by stating in there response back CFPB that they have be unable to verify the balance on the public details of the last two payments one in which was the month before the account was charged off. This is not info to fall under FCRA, they must provide more than what is on my credit report to verify its accuracy. XXXX does not report this but XXXX and Trans Union are both illegally reporting this trash

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 03-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: debt collection law firm has repeatedly threatened me with lawsuits regarding an alleged debt and has refused to answer any of my legal questions about the alleged debt, the attorney 's I attempted to speak with only threaten to take my real property and sue me and they do not seem to have legal authority to threaten such actions, they refuse to work in good faith with me as well. I do not like be harassed, threatened or laughed at. I do not like the deceptive practices when I have attempted to work in good faith with this debt collection law firm

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: On or about XXXX after hearing of Equifax 's breach I visited their site and entered information ( name, last six of my social, etc. ). After receiving a prompt that my my credit information may have been affected I started the process of enrolling in the one year " free '' monitoring service. After receiving a email a week or two later I thought I created a account yet received error messages. I contacted both equifax and trustedID for assistance. On XXXX I received a email stating I have a account but needed to re-set my password. I did and received a error message that set up failed. All information, employment, credit, etc was blank. No link regarding credit monitoring was found. I called Customer Care Team at : XXXX who advised me to call XXXXXXXXtrustedid who advised me to call XXXX. I feel equifax is making the process of monitoring ( due to breach XXXX impossible.

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. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was stolen in the Equifax breach, leaving my social security number and other PII available for hackers to sell and use maliciously. I want compensation for the risk that this has brought me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I filed numerous complaints with the CFPB in XXXX about Equifax 's willful, illegal injuries to me, including the denial of credit, less credit, and higher interest rates for credit when it was rarely granted. Please consider the following complaint in light of my previous detailed complaints about Equifax 's habitual, numerous abuses and injuries to me. 

Recently, I received a letter from Equifax dated XXXX XXXX, XXXX. A copy of it is herewith attached. Please note that the envelope for it has a post mark date of XXXX XXXX, XXXX, indicating that Equifax mailed this short letter four days after it claims to have written it. Alternatively, it may have post-dated the letter. 

In the first paragraph of the letter, Equifax announces, " We are writing to notify you about and to confirm a new current address that was posted to your Equifax credit file within the last 30 days. '' In fact, the so-called " new '' address is XXXX I have lived at for nearly 13 years. It is the same address that appeared in numerous letters I sent to in and which can be found in many of my XXXX, aforementioned, CFPB complaints about Equifax. Furthermore, Equifax goes on to announce that another address, " was ... reporting as your current address ''. 

I am baffled by Equifax 's statements. Are they suppose to constitute some kind of unacknowledged confession from Equifax , indicating that somehow it managed to ignore my address for well over a decade and despite the fact that I received a few credit reports from Equifax going back several years, but even as recently as XXXX, that had my correct address on them ( along with numerous false ones )? Indeed, Equifax 's real purpose in this strange letter is as opaque as the source of the second address that it claims to have been reporting another " current '' address. 

Why is Equifax allowed to hide the source of inaccurate information from me and why is it allowed to continue to use such grossly inaccurate sources of information to begin with? Why is Equifax allowed to so egregiously impose on my time by forcing me to provide janitorial services for its endless streams of sewage? Why is Equifax permitted such a grossly unfair and abusive modus operandi that assumes that I am guilty of so much falsehood until I prove my innocence, again and again, against its intransigent resistance? Who appointed it as such an incompetent and morally bereft arbiter of so vaulted a standard? Why am I not allowed to defend myself from the secretive, thoroughly corrupt collusion of Equifax and its nefarious, hidden sources of information?

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify or validate the accounts i disputed. Being that they have gone past the 30 day mark and can not verify/validate these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... Promptly delete all information which can not be verified '' that I have disputed. Also there were two collection accounts removed from my reports and they were promptly re-reported without any notification. Please resolve the manner as soon as possible. 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 04/28/2015 about Payday loan () with CNG FINANCIAL CORPORATION (TX).
Issue: Can't contact lender

Complaint: Received a payday loan back in XX/XX/XXXX. I tried to contact the lender ( Check n go ) to pay off loan. To no avail they did n't have any information that I took out a loan. I got a call on my job XXXX from A person name XXXX XXXX contacted my job threating me that I would be arrested. I call hiim back and he couldnt tell me what online Payday loan I had taken out, but had all of my personal information. He is harrassing me. His number is XXXX. I wanted to set up payments but he transferred me to XXXX XXXX XXXX who still could not tell me who I was paying. I didnt give him payments because he could n't tell me what company my loan was with. I 'm not giving out my bank card to just anyone. Please help stop them from contacting my job.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Application processing delay

Complaint: I was applying for an American Express Gold card so that I could purchase presale tickets. I told the agent I only wanted the card if it could be issued before the presale date. He assured me the card would be expedited so that I would have it within 2 business days. Based on this information I applied for the card and was approved. After it was approved, the agent told me that in fact the card would take XXXX to 10 business days to be issued. I spoke with a supervisor and explained that I was given false information in order to apply for the card, but was told there was nothing they could do about it. Further, they told me that the Gold card can not ever be expedited, which means the agent knowingly gave me false information in order to get me to apply for the card. After spending an hour talking to customer service, all they would do was try to get me to submit another application for a Platinum card. They do n't seem to care that their agent gave someone false information to get them to apply for the card. All they care about is that I now want to cancel the card. The credit inquiry is now on my credit report and I now have a credit card that I do n't want.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: i made payment through my bank account that clearly says posted and then paid with conformation number and a couple days later it says payment adjusted.The first time they said my account was invalid and its not then the second time they reversed it they said it was my bank account issues.I dont have bank account issues the funds are there the payments are going through.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Bank account or service (Savings account) with REGIONS FINANCIAL CORPORATION (VA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016 I requested a transfer of {$2000.00} from my saving account ( XXXX saving XXXX ) to my checking account ( XXXX + XXXX checking XXXX ) I was told I could not make this transfer because there was a hold on my account because there was no signature card on file. 
REGIONS BANK CUSTOMER SERVICE e-mailed me a blank signature card and requested I have it NOTAEIZED and e-male it to them ( attached ). 
I complied with this request ( attached ) 3 times each time I was told to go a local branch I live in XXXX there is no local branch so I mailed the form with a return recipe ( attached ). I was told this was a copy and not accepted. and sent another form I had that form NOTARIZED and mailed to them. note : raised stamp is not required in VIRGINIA I have had a checking account with Regions Bank for over 15 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief