milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PRESTIGE FINANCIAL SERVICES INC (IL).
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: On XXXX XXXX, 2017 I went into XXXX XXXX XXXX with my pre-approval letter from XXXX to test drive a Red XXXX. The manager XXXX XXXX requested credit report with out my knowledge and consent. Because of this my credit was ran resulting XXXX Unauthorized inquiries. The next day I went back to the dealership asking for his supervisor. XXXX XXXX the General manager asked me to explain what happened and as a result typed up a letter on the companies letter head to all the Financial companies and credit reporting agencies requesting that they remove the inquiries on behalf of XXXX XXXX XXXX. Unfortunately, as of today NONE have been removed. Since then, I 've called, faxed, sent certified letters that XXXX XXXX drafted to each company as well as the credit bureau asking that that they be removed. Nothing has been removed a year later. I 'm in the process of purchasing my first home and these XXXX inquires are hurting my credit worthiness and credit score. The company is requesting that they be removed and now I 'm asking that they be removed!!

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Trouble during payment process

Complaint: I am US Military Member currently XXXX. On or around XX/XX/XXXX I logged on to the OCWEN website a made a mortgage payment as usual. I make the pay on the XX/XX/XXXX of every month because this home is a rental and I usually do not receive the funds from my property manager till around that time. I do not know what happened, but I guess the payment did not go through. Since I am XXXX and do not have access to my phone number from home, or my mail I did not know that the payment did not go through. I was not contacted by email that my payment had not been made either. I then made a usual payment in XX/XX/XXXX online, I still did not notice that I had a delinquent payment because I had no reason to look for it. Some time towards the end of XX/XX/XXXX I got a email that it was reported on my credit that I had a late payment for my XX/XX/XXXXpayment. I then looked online at the account and caught the error. I immediately brought the account to current status and contacted the company about the error in payment processing. I relayed to them that I was XXXX at did not have access to the cell number listed, or my mail so I did not know that the payment did not go through. I sent them a email to request that the late payment be removed from my credit history since this was indeed a true error. I asked that they look at my payment history and see that I have never missed a payment. I also sent a copy of my orders for them to verify that I was XXXX  and did not have access to the listed phone number, or mailed statements.
I have worked very hard at keeping good credit history and if I was truly not making a payment I would see why they would not remove this. But given the circumstances surrounding it, I do not think it is fair to keep this on my credit history. If I was not XXXX this would have never happened because I would have received a courtesy phone call, or a notice in the mail ensuring that I caught the error and made the payment before it was considered 30 days past due. This will now affect my credit history for up to 7 years, and I not believe this is right to do to service members. 

I tried to correct with the company but they would not remove it from my account or credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I am filing a complaint against  Cavalry Portfolio Services, LLC,    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX  NY  XXXX  ( or  XXXX   XXXX   XXXX   XXXX , NY  XXXX  ), which has been harassing me since   XXXX   XXXX   claiming I owe them an amount of {$18000.00} on an account #  XXXX  I never initiated with them. They sent multiple demand letters to me and then notified the credit bureaus of my obligation to them, which is not valid. This has subsequently damaged my credit and prevented me from purchasing a home or obtaining other credit.     On   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   I sent Cavalry certified letters requesting validation of this debt in the form of a contract with my signature showing I entered into an agreement with them. They were initially evasive claiming my request was not clear and then finally provided their version of proof of validation, which were old credit card statements not having any connection to them and therefore is not valid proof of any obligation.     They have inaccurately claimed they treated my request appropriately pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, which states they have the obligation to produce verification of my signature and any documents showing I entered a financial arrangement with them. They have been unable to produce proper documentation and have reported false information to the credit agencies that I owe them this debt and as such are in violation of these laws. I am requesting they cease their attempt to collect a debt I do not owe them and have the credit agencies remove those items from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Vehicle loan or lease (Lease) with JPMORGAN CHASE & CO. (NJ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I made my payment as usual and to my dismay, I got an alert this morning that my payment was late. I was not 30 days late as the credit report states. I even spoke to someone and they confirmed that I was no where near 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: We have had a 30-yr. mortgage for 10 years ( XXXX/XXXX/XXXX ) with XXXX ( XXXX. XXXX XXXX, XXXX, OH XXXX ) on our primary residence. Last month, we received a monthly mortgage statement from Seterus, Inc. ( XX/XX/XXXX ), without my knowledge that XXXX had transferred our mortgage to Seterus so I sent our payment of {$2300.00} on XX/XX/XXXX. A week after that, we received a letter from XXXX notifying us that the check was sent to XXXX, XXXX being our new mortgagor since it 's still within the XXXX transaction period between XXXX and Seterus, Inc.. We called XXXX and found out that they have transferred our mortgage to XXXX XXXX XXXX and was told that they have sent a " Good-bye '' letter through USPS . Unfortunately, I ( XXXX XXXX ) was on a trip outside of the US since XXXX XXXX, XXXX and returned on XXXX XXXX, XXXX. While away, I tried to contact XXXX through email payment but was not allowed to do such transaction because the correspondence was considered " suspicious. '' Therefore, that did not allow me to pay our monthly mortgage for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX on line ( without my knowledge that our account was already transferred on XXXX XXXX, XXXX ). I called XXXX and complained about not forwarding the " Good-bye '' letter through email since I have been corresponding with them for years through email and why it was different this time when they wanted to send the good-bye letter. Had I received that good-bye letter through email, I could have told my husband to arrange payment with them with my authorization. I believed that they did not give us a chance to make the necessary payment arrangement before they transferred our account to Seterus. We contacted Seterus, Inc. trying to make a {$1500.00} payment on XXXX/XXXX/XXXX. We also let them know that the amount is all we can afford to pay towards our mortgage since I have been unemployed since XXXX XXXX, XXXX. My husband is a veteran and is receiving XXXX benefits. He 's recently on a car accident and sustained XXXX which he will require and is scheduled for a XXXX on XXXX XXXX, therby limiting his ability to earn more money. Seterus, Inc. was not helpful and rude that they have threatened us to foreclose our home. I have paper trail to show our attempt to catch up with our payments as well as travel documents to prove that I was not in the USA when XXXX sold our mortgage to Seterus. Inc.. At this time Seterus has put the {$2300.00} as a suspense account.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Bull City Financial Solutions, Inc (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: after relaying to the supervisor of BULL CITY ( XXXX XXXX ) that i XXXX XXXX XXXX my be a victim of identiy theft, XXXX continued to request my personal info without validation or proof of any debt owed by me.The purported debt collectors ( XXXX XXXX ) have not only been argumentative, but have conducted themselves in a manner unbecoming of a debt collector as outlined in [ 15 USC-1692d ] 806. Their language and conduct violate the basic and common standards of the FAIR DEBT COLLECTION PRACTICES and BUSINESS ETIQUETTE. 
Sopervisor XXXX XXXX told me that by law i was obligated to answer his questions and refused to fully cooperate with me in the settlement of this matter. 6. Debt collectors are prohibited and or forbidden to report a purported debt to anyone once they have been told to cease and desist all debt collection activities by the consumer and or their representative ( s ) [ 15 USC-1692e ] 805 ( b ) because the debt has yet to be validated or verified, reporting to the several different credit agencies is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIBANK, N.A. (NY).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I recently closed on a HAMP loan for my 1st mortgage with XXXX XXXX. I submitted an 2mp loan modification with Citimortgage in 2016 for my 2nd loan. Citibank has denied my request for the 2mp program because they were not notified that my 2nd loan qualified for the 2mp program. The have said there is no way for them to give me a 2mp modification without the notification. I believe the notification they need comes from the XXXX XXXX matching system which is used by Hamp loan servicers. I also believe the system allows servicers the ability to match 2nd mortgages to a hamp modified 1st mortgage. Thus allowing them to modify my loan. I do not believe an proper attempt has been made by Citimortage to assist me with my 2mp loan and would like an explanation why citimortgage does not follow the Hamp servicers guide and assist me with my loan.

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 08/30/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Deposits and withdrawals

Complaint: I went into a Wells Fargo branch located at XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX the afternoon of XX/XX/2016 to open a new Checking and Savings Account. I provided the bank rep with my current AZ drivers license and my XXXX credit card for my forms of ID. I had deposited a total of {$3000.00} into the Wells Fargo account. {$1000.00} was to be placed in savings and {$2000.00} was to be placed in checking so that I could resume the pending transaction that had been scheduled for the coming weekend which would of been my XXXX mortgage payment and my XXXX car insurance. The banker had gone over the account types and pre qualification for a Wells Fargo credit card and asked me to sign electronically if I had agreed I was opening up savings and checking as well as I may be pre qualified for a credit card. After my deposit had been complete the banker printed out all form she had advised me of. She proceeded to advise the direct deposit slip was enclosed in the new member booklet along with temporary checks and temporary XXXX member card. Bank rep advised I was good to go. Later that evening when my family returned home I went only to update my job direct deposit and to set up my mortgage and car ACH payment. At that point is when I realized the information the bank rep had for the new accounts I had set up along with my funds was set up under the wrong name and a completely different state. At that point I assumed it may just be a simple clerical error so I proceeded to contact customer service to attempt to get the issue of the name and address change. The customer service agent was not able to provide me with any information on my funds as he stated my social does not match. The account was set up under the name XXXX XXXX XXXX in XXXX XXXX. I was unable to process my mortgage payment as well as my car payment and had to max out my only {$500.00} secured credit card which I had just paid off days earlier. I had attempted to pay my mortage payment and car insurance by visa but was unable to as they require routing and account information, when I provided my routing and account number provided by Wells Fargo they both had been declined as information did not match. Then end result is my XXXX account and credit card had to be maxed out and overdrawn in order for the payments to be processed. I do not have access to my funds I am not able to pay for gas at the pump nor may any payments. I am taking my son to XXXX driving out from AZ on XX/XX/2016 and will be returning XXXX I need access to my funds immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/24/2016 about Debt collection (I do not know) with Hunter Warfield, Inc. (SC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Hunter Warfield ( Collection Agency ) is attempting to collect a debt that is unknown to me. On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I received collection letters from Hunter Warfield on behalf of XXXX XXXX and XXXX. These letters were the first and only contact received by me. It appears that XXXX XXXX is attempting to collect {$430.00} and XXXX {$500.00} ) for what? I do not know. I moved out of XXXX XXXX Apartments upon proper notice ( 60 plus days prior ) on XXXX XXXX, XXXX. I began living there XX/XX/XXXX. During the signing of the lease I was offered a Surety Bond ( I assume XXXX ) it was explained to me by the employee who signed me, as a way not to pay a deposit, which was subject to be returned at the termination of my lease. However, if I were to pay {$86.00} for the bond with no expectation of refund then all I had to do was end the lease. Any damage, or other expectation would be covered by the bond. I agreed to pay for the bond. I paid my rent on time for the next three years. Then, I get these letters this month demanding payment for the above stated amounts. There was no prior written notification nor explanation for these requests. Just the collection letters with the threat of debt reporting to the national credit bureaus. 
I do not owe these people money and am requesting that they STOP these attempts of collection.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have incorrect info on my credit report. I do not know of this info it does n't belong to me These are the itmes that do not belong to me XXXX XXXX {$5400.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX {$590.00} XXXX {$140.00} XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The debt collection company name National Credit Systems has failed to provide any proof that i lawfully owe the debt in question nor any letters in writting stating who they represent. I have requested in writting as well as verbally and through the XXXX for such information. On each time that i have spoken to this company on their recorded calls i have stated i am willing to pay a debt i owe once i receive written documentation. Every time i have called they have said on multiple circumstances that they have already sent the requested documentation wereas since XXXX i still have not received this documentation. In the most recent response through the XXXX they stated " they were in the process of obtaining the verification and mailing it to consuner ''. Im quite baffled how after multiple statements on their recorded calls they stated they have already mailed out such coorespondence but now after taking matters further have to locate such verification. I have reached out to the origional creditor as well during this process to obtain any information regaurding account wereas it was told to me that they were bought out by a new management company and no longer have prior records. I have been attempting to resolve this debt but I as a consumer do not feel sending money to an unidentified company to a XXXX XXXX in another state without supporting documentation is unlawful under any circumstances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Mortgage (FHA mortgage) with CORNERSTONE MORTGAGE COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I received an escrow disclosure statement from my mortgage company, Cornerstone Lending, letting me know that my escrow account is in arrears by {$8000.00}, giving me XXXX options to resolve the issue, 1 is to pay the {$8000.00} in full or spread over 12 months thus making my new monthly payment {$2700.00} beginning XXXX/XXXX/16. This is the first time I 've heard of my escrow shortage and I have less than a month to start paying this new amount since I do n't have $ XXXX I can just pay in 1 lump sum. I do n't have the ability to make a XXXX dollar payment for the next 12 months either. Talk about payment shock! I 've tried to communicate with the mortgage company to come to a solution to this but have n't had any luck. They have not given me any other options. I am afraid I will lose my home since I am not able to pay what/how they want me to pay. I am a single mom & only have XXXX income. I am already just barely making ends meet. I feel I was not made aware of what my true obligations would be when my loan originated, I feel it was so that I 'd be able to qualify to get the loan. I am at a loss and do n't know what else to do to resolve this issue. I am being set up for failure right from the start with the XXXX options they have given me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (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: I have recently been informed that XXXX  maintain a Tax Lien in their file under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing in the amount of {$31000.00}. 

XXXX County Recorder Case # XXXX does not report Tax Lien to credit bureaus. The New Credit law in XX/XX/XXXX says that federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens. 

A Tax Lien filing is public information. Again XXXX County Recorder does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. XXXX, XXXX, XXXX has found information on Tax Lien through third party research. 

XXXX and XXXX have already removed this from their file so I sent 2 certified letters XX/XX/XXXX and XX/XX/XXXX to XXXX since they are the only one showing this Tax Lien to validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I received a reply back from XXXX that it was validated by LexisNexis in which I never received anything of the such. So I sent them another certified letter again this time one to XXXX and one to  LexisNexis requesting my signature to validate this information. This time XXXX sent me a Reinvestigation letter stating that LexisNexis Consumer Center is currently not reporting on the XXXX   file. So not true, I requested another credit report and it was still there as of today. I did not get any results from the credit bureaus which has brought me to file this complaint. I will also be filing today XX/XX/XXXX with the Attorney General Office and the Better Business Bureau. This need to be deleted off of my record immediately as it is affecting my credit scores. I also sent them a copy of the New Credit Law where all the bureaus agree to delete all tax lien and judgements off of credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Mortgage (Conventional fixed mortgage) with FIRST AMERICAN FINANCIAL CORPORATION (CO).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX homes offered to pay for 1 year 's HOA dues as an incentive for financing with their title company First American Title.. The title company calculated the HOA total incorrectly ; leaving the total 2 months short. XXXX XXXX paid settlement costs, but was short 2 months on the HOA dues. The HOA has now billed us, including late fees for the shortage, saying they are not responsible.

Company response to consumer: Closed with explanation