milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-09-2017 about Mortgage (Conventional home mortgage) with MONEY SOURCE, THE (NE).
Issue: Trouble during payment process

Complaint: My monthly payment has increased from {$1200.00} to {$1600.00} due to an increase in my real estate taxes. The increase to {$1600.00} is spreading the escrow shortage of {$3800.00} over 12 months. I have requested to extended the spread from 12 months to 24 months as the {$400.00} per month increase will create a finciancial burden on my household. The local property taxes in my community have increased 200 % within the last 12 months. The lender did provide me a 24 month repayment when the first property tax increase incurred of 100 %. Due to the fact that the lender did allow the repayment spread based on the last escrow analysis, they are now refusing to provide a 24 month repayment with an additional 100 % increase. My annual taxes went from {$900.00} per year to {$3800.00} per year within a 12 month time frame. I would like to get the new escrow analysis shortage spread out over 12 months to avoid possible missed payments. The lender stated they would not allow any changes in the increase unless I did become late on my mortgage payments. I am attempting to avoid possible late payments with this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I 'm  XXXX   USAA closed my account because someone stole my account information and deposited a check into my account. I advised them it was not me and provided my drivers license and even asked them when I was notified a check was deposited that it was not me and to please stop the check or close and reopen my account. I never heard or received warning and my account was closed. My dad has been with them for 30 years he added me with USAA now I 'm blocked f rom them and it 's making me look horrible when trying to open a bank account. I called  XXXX   XXXX  to see if they can relook at the issue and heard nothing. I wa s with USAA for years an d never had a problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: ON XX/XX/XXXX I MAILED A GOOD WILL LETTER TO ALL THREE CREDIT REPORTING AGENCIES, XXXX. XXXX AND TRANS UNION ABOUT MY BANKRUPTCY FILING OF A CHAPTER XXXX ON XX/XX/XXXX. THIS BANKRUPTCY WILL BE XXXX YEARS OLD IN XX/XX/XXXX. I WAS NOTIFYING THEM TO GET A RESPONSE ABOUT THIS MATTER BECAUSE I RECENTLY TRIED TO GET A INCREASE ON MY CREDIT CARD AND WAS DENIED BASED ON THAT BANKRUPTCY STATUS. I WANT TO KNOW WAS DO THAT HAVE TO HOLD THIS AGAINST ME AND THIS IS XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not provide the proper level of security to protect my consumer credit information from being stolen. In addition, Equifax did not notify me not only in a timely manner, but have yet at all to notify of this breach to this day, XXXX XXXX XXXX, when the breach happened from mid XXXX through XXXX. I 've found out through the media and confirmed I was effected through their website. They offer an unacceptable compensation of 1 year free monitoring when I now have to be concerned for far beyond a year.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX XXXX has been on my credit report since XX/XX/XXXX and should have been then. They are on XXXX with XXXX XXXX a collection agency they hired. This is well over seven years and according to FCRA these should have been off in XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
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 I discovered after a conversation with my ex-husband XXXX XXXX that the credit agencies deleted a past mortgage. I did not authorize this. At the time I had hired XXXX XXXX to do credit repair in XXXX. It was on there prior to hiring them. They, however, deny removing it. I wrote to all three agencies and they will not address the issue. 

I have provided plenty of evidence showing when account opened, closed, high balance and correct payoff. 

I am XXXX yo grandmother and it shows I only have had credit for four years! 

It is damaging my score due to lack of credit information. XXXX mortgage no longer exists so there is no way for me to contact them directly. 

Need this to report on my credit file. They report bad but don't want to report good when its old.

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 11/20/2016 about Credit reporting () with Alliance Data Card Services (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Past statute of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (CA).
Issue: Managing the loan or lease

Complaint: I had a XXXX done and my dentist said I could put it on CareCredit and they would give me 12 months to pay it off interest free. I am a XXXX and I had our XXXX accountant make payments to care credit each month and we paid the whole amount within eleven months. Toward the end of my 12-month period I started receiving bills from Synchrony Bank that said I owed them over {$700.00}. I tried all of their phone numbers and could not get through. Finally, they called me and I said I had no idea what these charges were for. I told them what I had done and they said they would look into it. I told them to cancel my account but they still keep sending me statements and bills. Now I have received a registered letter that they intend to put this into collection. I looked them up on the internet and found that they were charged in 2013 for deceptive advertisement and were paying out over XXXX in settlement. I am contacting a lawyer and I could sure use some help from you in taking care of this problem. 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 monetary relief
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian has  XXXX  items on my credit report that do not belong on there.   XXXX   1.   XXXX   XXXX  Was never late and that account does not even exist anymore. They have even said in the statement they can not verify it but they keep reporting it as paid late. The account was never late, it was never defaulted on. Make them remove this immediately, it is past the 7 years that it is supposed to be reporting anyway.   XXXX   2.  On my  XXXX   XXXX  they have a negative comment that I had disputed this account with them, why it has never been late and always paid on time. Remove this comment immediately.   XXXX  It is apparent they are trying to hurt me financially.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Consumer Loan (Title loan) with Capitol Credit Company (NC).
Issue: Lender repossessed or sold the vehicle

Complaint: capital credit illegally repossed my truck 1 week later after i renewed my contract with them my first payment not due till XXXX/XXXX/16 my truck there was not an active repossesion order on my truck i didntbowe capital credit anything i called and tried to talk to curt from XXXX nc office he talked real nasty to me they gave me 2 days to come up eith XXXX to get my truck back and then expect me to pay XXXX every month i feel like im being taken advantage of i hope you guys can help me thas the only means of transportation i have please help me

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 with explanation
Consumer complaint received 11/29/2015 about Mortgage (VA mortgage) with LENDER LIVE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We submitted an offer of XXXX in XXXX 2015. After review, the loss mit specialist assigned, XXXX XXXX, advised that the net to investor had to be XXXX. The HUD was adjusted to accommodate this request and submitted to Lenderlive XXXX/XXXX/15. We were told the appraisal would expire and had to close by XXXX/XXXX/15, which we agreed to. We called, emailed, and tried to follow up through XXXX/XXXX/15 with no response. When we spoke to XXXX XXXX in mid XXXX she advised that XXXX was no longer the contact for this file. She said the file would be submitted to the investor for review and requested the appraisal expiration date be extended. Around XXXX XXXX we received a denial letter stating the net proceed to the investor should be {$190000.00}. We were told the appraised value according to the VA was XXXX. The XXXX have never received a copy of this appraisal, though requested. The investor is asking for a net amount more the the value of the property and more than the XXXX that we were told was the net amount the VA required based on the XXXX value.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed XXXX accounts XXXX XXXX XXXX stating, " I am no longer responsible for the XXXX accounts ''. Experian did not complete thourough investigation to know that the accounts were dismissed in XXXX XXXX County Civil Court. In addition, the company agreed to remove all entries related to XXXX XXXX XXXX XXXX accounts. I will provide the court document and letter from XXXX XXXX XXXX. Please look into this matter.

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 10/28/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I spoke with XXXX XXXX regarding a debt that Midland was attempting to collect that was beyond 7 years old. He advised me the account was open in XXXX & charged off in XXXX. I advised him that it is now XXXX and that under state law the debt is no longer valid. Additionally I received no notice from them regarding it and it is also not showing on my credit report. When I ask for proof of the debt he danced around the question several times attempting to talk me out of it before he finally consented. He also danced around disputing the debt. 
They have also not attempted to reached me at my registered phone number and have instead been harassing my parents at both their home and work numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/20/2017 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: Public record information inaccurate

Complaint: I submitted a complaint with CFPB on XXXX/XXXX/XXXX against Equifax the case number is XXXX. On XXXX/XXXX/XXXX the XXXX 's XXXX to the complaint via CFPB was the following : Equifax has reviewed your complaint and its records regarding your dispute. The disputed Bankruptcies case numbers XXXX, XXXX and XXXX are currently not reporting on the Equifax credit file. 

I called Equifax to get an updated report and the rep told me that all three bankruptcies are showing on my file. She also said that Equifax do not communicate with CFPB at all.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Billing statement

Complaint: My Barclasys JetBlue credit card is not counting credits ( returns ) that came in after statement closed but before payment for that statement is due against the total balance that is due. Every other bank and credit card that I have used ( all major banks and credit cards ) count the credit toward the current balance due. I feel like this is a bigger issue where they could be hitting customers with XXXX and needs to be addressed by the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: As a result of of my complaint to your office with a complaint case number : XXXX, Chase did not fully comply to providing me all the credit it overcharged me nor did it provide me the reason while it reported me as a charged off account with discrepancy in what it stated I owed and the " Stated Charged Off Amount ''. as I was trying to work with Chase, while paying as agreed to get to a number that we can both agreed on until there was an impasse. Chase in XXXX then provided me with a XXXX with inaccurate number as a charged off amount, knowing that I must report it as income with the IRS. 

Unknowingly, I was not the only party that Chase had been playing with its account in the State of Florida. This information was brought to Court and I was named as part of the Plaintiff in the Class action suit brought by XXXX, et al. v. Chase USA, NA, with a case number XXXX. This case was finally settled by Chase rather than risking a full trial and Chase made a payment to all class members including me. As a result of the settlement, I informed all the XXXX credit credit reporting agencies that the derogatory information reported by Chase must be immediately removed from my credit file since no agency should reward fraudulent activity no matter how small, however, Chase refused to allow the reporting agencies to remove this derogatory information, which even without the class action lawsuit would have been inaccurate. It is as a result of this pressing and damaging issue that I approach your agency for a positive resolution since Chase has settled the case in a Court of Law and should no longer be rewarded to continually damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit card () with PENTAGON FEDERAL CREDIT UNION (KY).
Issue: Balance transfer

Complaint: I transferred a credit card balance of approximately {$3600.00} to Pentagon Federal Credit Union ( PenFed ) on their 0 % balance transfer program in XXXX 2016. After a few months on the program, I noticed that my account was being charged interest. This is not an obvious thing as I have a Platinum 'rewards ' card and usually received some credit each billing cycle as a result of gas purchases. I did some rough math and determined that I was paying interest on purchases on an average from the purchase! Not from the billing date or the period after that! I called PedFed and talked to Customer Service. The technicians were at a loss trying to explain what was happening. I was transferred to a Lead/Supervisor named XXXX and got enough of an understanding that it came to one question : Could I pay the total balance with the advance and othe transactions and clear it up? XXXX 's response was yes. How I started paying interest on an undisclosed process bothers me a lot. I wrote a letter to PenFed 's President dated XXXX XXXX 2016.

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 10-09-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX transferred my mortgage to SPS ( Select Portfolio Servicing ). when the transferred what on process SPS sent a letter stating that they will honored all the payment, escrow account etc. However, the first thing they did they recalculated my escrow projection account increasing my payment in XXXX dollars even though the taxes this year in XXXX XXXX count went down XXXX dollars and my Insurance went down XXXX dollars. I contacted them requesting for me paying my taxes and insurance but I have n't received ant replied from them. Second that all the way they are reporting XXXX and XXXX made my score goes down XXXX points. 
I have sent letter and faxed as well but it seems like they are ignoring my requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX  and the owner XXXX XXXX is a XXXX  XXXX XXXX criminal, they are using deformatory information on me when there is no tangible evidence to the claim, i dont give a XXXX who they are and what they do, i dont have any contract with these criminals showing any obligation to perform, furthermore thier criminal co-contractor friends are liars, I never received any ''bill '' from anybody and never received any ''varified complaint '' sworn to and notarized, which would substantiate a wrong-doing, so who the XXXX is XXXX, ,,,,,,, its a criminal extortion racket, there is no tangible evidence of any debt without a ''bill '' a statement is a whole different meaning, thats why i have a ''billing address '' and not a ''statement address ''

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 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX  was disputed on  XX/XX/XXXX  with   XXXX   XXXX   XXXX  . Chex Systems has been disputed on  XX/XX/XXXX      My daughter had a student account attached to my accounts with  XXXX . She submitted a fraudulent check through the ATM. This is the only way a student account can do banking is through the ATM. When  XXXX  found the check to be fraudulent  XXXX  shut down all of our accounts INCLUDING my Husbands that had nothing to do with my daughter 's account. Attempted to resolve with   XXXX   and no luck. Attempted to resolve with   XXXX   XXXX   XXXX  , Chex systems, and no luck.       XXXX   Today I have found that I can not open any accounts and have found myself without banking for businesses.  XXXX   XXXX  and  XXXX . I am not able to write checks to employees or conduct business.     I am desperate to talk with someone to help the situation as we will be going to collect federal assistance if I can not cash the checks.     Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: I take care of the finances in our household and I have most bills on autopayments. I was informed by my husband two days ago that he received a call from Nissan Finance that our bill was past due and would be sent into collections. I told him that this bill has always been on auto-payment and I am supposed to be the contact. I could n't understand why the auto payment would have stopped ; there is more than enough money in our account to cover the amount due. My husband is currently across the country on business and said he did n't know and did n't have time to speak to them, as he is at an important business convention. I told him I would go online and look what happened. Next day I went online and tried to login with our username and password. It did not work and prompted me to reregister on the website. I attempted to reregister on the website, but I do not have our complete account number, since we have not recieved any bills mailed from them. My husband then called again and said that they had been calling again, and told him that they have a new website so we had to set up new recurring payments and now our payments are two months past due and they told him they have already but a ding on his credit report. WE DID NOT RECEIVED ANY MAIL, EMAIL, PHONE CALL OR OTHER REGARDING THIS CHANGE THEY MADE TO THEIR WEBSITE. We do n't feel that we have been given proper notice or time to pay our debt before it was put on our credit report. It would have been taken care of immediately had we just been notified. However now we have this blemish on our credit report as well as many fees for something that was not properly communicated.

Company response to consumer: Closed with explanation