milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a bankruptcy reporting on my credit report from XXXX that I have been dealing wit equifax wit for several months.I have wrote SEVERAL letters disputing this bk, On XXXX! XXXX XXXX I put A security freeze thur XXXX.They EQUIFAX said has since said on XXXX and yet again on XX/XX/XXXX.that they VERIFIED this Information using XXXX XXXX. On XXXX/XXXX/XXXX I contacted XXXX XXXX and spoke wit Agent XXXX # XXXX she said that Equifax " DID NOT '' VERIFIY any information using them because of my security freeze placed on XXXX/XXXX/XXXX. So therefore this Bk needs to be removed from credit report. Its also very shameful for Equifax to hurt people trying to do better,

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Mortgage (Conventional home mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (MI).
Issue: Trouble during payment process

Complaint: Loan # XXXX with Franklin American Mortgage Company Monthly mortgage amount is {$3500.00}. I had been paying {$4000.00} per month every month. I mistakenly paid {$3500.00} on XX/XX/2018 for XXXX invoice, instead of the monthly mortgage amount of {$3500.00}. Still 99.6 % of the required amount. Franklin American cashed the check, then sent me back a check for {$3500.00}. I didn't receive the check and notification of under payment until XX/XX/XXXX. I sent another check for {$3600.00} that day. It arrived XX/XX/XXXX, but still got nicked the {$170.00} late charge. {$170.00} late charge for a {$13.00} underpayment seems fairly obnoxious. 

Franklin American has offered to reduce the penalty to {$88.00} [ {$170.00} - ( {$3600.00} - {$3500.00} ) ]. 

I'm requesting CFPB 's assistance in getting the remaining amount {$88.00} waived/credited back. 

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 03-03-2017 about Consumer Loan (Vehicle loan) with STATE FARM BANK, FSB (GA).
Issue: Taking out the loan or lease

Complaint: I, XXXX, am a consumer who purchased from STATE FARM BANK ( SFB ) a refinanced vehicle loan with pay off protector or gap insurance. The Vehicle Loan Account Number is XXXX. This complaint is administrative and is filed with The CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) based on the rules and procedures that allow quasi-judicial ( or administrative ) review of disputes involving banks and its account-holders, etc. 
The facts are : Manager XXXX ( employee id ) or Manager XXXX whose employee identification is MLEK intends to not execute the pay-off protector connected my SFB vehicle loan ( acct # XXXX ) if the account goes more than [ 28 - 31 days ] without at least a minimum payment even where the car was reported to SFB as a " total loss " XX/XX/XXXX. And in so doing Mgr XXXX - would attempt to make me liable potentially for the remaining SFB Vehicle Loan balance of {$1900.00} plus. What makes this particular legal concern " extremely peculiar " is my personal bank account was unlawfully debited {$220.00}. plus on XX/XX/XXXX which leaves me without sufficient funds to make the final minimum payment plus on my XXXX LEXUS ES XXXX or minus any late fees. 
In closing, please issue this complaint against SFB tomorrow which is the last date for the minimum monthly payment. SFB phone is XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I HAVE A CHARGE ON MY ACCOUNT THROUGH BANK OF AMERICA THAT I REPORTED BACK IN 2014 WHEN THE CHARGE HAPPEN AND THEY DID NOTHING. I THEN TRIED TO REACH THEM WITH A FRIEND OF MINE AND SEE WHAT THE OUTCOME WAS AND THE REP FROM BANK OF AMERICA SAID THEY CAN ONLY GO BACK 60 DAYS. MY FRIEND EXPLAINED TO REP THAT IT WAS REPORTED BACK IN 2014 AND NOTHING WAS DONE AND REP SAID THERE WAS NOTHING THEY COULD DO.

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 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I started working on my credit report in XX/XX/XXXX and sent updates to each bureau and I seen XXXX XXXX, equifax, some of the changes but all of the changes was not corrected. I have not receive any changes or updates from the other credit bureau. Please help me fixed this. I recently got married so mu name has changed from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Mortgage debt) with Western-Shamrock Corporation (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Under the Fair Debt Collection Practices Act Western Shamrock corporation is in violation of the law. Western Shamrock corporation has not validated any debt that belongs to me XXXX XXXX, therefore under the FDCPA Law Western Shamrock corporation can no longer collect any payments, and are not to report any negative entry to the credit report agencies in pursuant to the FCRA. Western Shamrock corporation has failed to validate the debt. You are in violation of the FDCPA law an can be sued because no contractual evidence has been proven to show that the debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio Recovery Associates, LLC buys statute barred debts and fraudulently use a newer date on credit reports. I have been receiving letters from Portfolio Recovery Associates, LLC for credit card debts that are over 10 years old and written off by original debtors.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (OH).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I have reached out to the company  3 diff erent times requesting the information from the car being sold and for proof that they are reporting the correct payment amount. Before the car was picked up I found out the car had a savage titled I reached out to the lender of the car they basically told me there was nothing they could do about it and I had to take the lost. I could n't trade the car in. The motor than went on the car so I was unable  to drive th e car for months before they got the car. I than was told serval different amounts the car was sold for on each call. I have been requesting proof since  XXXX    XXXX   and I still have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 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: A bankruptcy chapter XXXX was filed and discharged since XXXX XXXX XXXX and still showing in my credit report. 
As a chapter XXXX should be out of my report in seven year, as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: This letter is being sent to you in response to a notice sent to me on XXXX-18 in response to a listing on my credit under XXXX XXXX XXXX XXXX " XXXX ''. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( Equifax, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 

This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. The investigation was shown as verified and there was no information sent to me at all, so how could it possibly be verified? No contracts or signed documents were sent to me at all. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (AL).
Issue: Application, originator, mortgage broker

Complaint: I applied for a loan refinance with Quicken Loans. This required an upfront payment of {$500.00} and an appraisal. The appraisal was completed and Quicken Loans gave me the details of the refinance package they could offer. Subsequently, I was offered a superior package from XXXX Bank. After much consideration, I decided to pursue the refinance with XXXX. On XXXX XXXX, Renasant and I emailed Quicken Loans and requested that the appraisal be transferred so that I could complete my refinance with XXXX. Quicken Loans chose to delay the transfer until they could speak with me. After several calls and emails, it was determined once again that I would pursue the refinance with XXXX. At this point, I was passed to a different group within Quicken Loans and told that my appraisal would not be transferred. I restated my request, but was told Quicken Loan 's company policy prohibited the transfer. I professionally expressed my frustration, and found only a cold indifference to my request. 

I paid Quicken Loans to engage the appraisal company. The appraisal should be transferred upon my request. It should not be held hostage in an effort to force me to transact with Quicken Loans. 

Furthermore, I should not be belittled for choosing to transact outside of Quicken Loans. Prior to my appraisal being held, I was told that my choice to deal with XXXX was ignorant. The specific words were, " Well, if you do n't know any better, [ you would choose XXXX ]. '' I am a XXXX, and I know the differences in the refinance packages being offered. XXXX came to me with a good offer right away, where Quicken Loans revised their offer XXXX times, only to offer something a few hundred dollars better ( after seeing the details of XXXX 's refinance offer ). Based upon this behavior, I chose XXXX, and I need my appraisal before my loan lock expires.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: the bank of america locked my card for unusual activity ... ..i was unable as they stated to fix the issue online ... .so i called the number and was on hold for 30 minutes ... .the operator apologized for the wait and said they are going to be hiring more operators so people dont have to wait. I worked it out with him and he unfrozed the card. I used the card an hour later to order an ac unit that i very much need for health reasons. The card was declined because it was locked ... .i then once again got a text message on my phone that the card was locked for unusual charges! I am on hold again on the phone Bank of America Security Alert Debit card ending in XXXX Unusual debit card activity detected ... XXXX ( 2 hours ago ) Bank of America XXXX XXXXXXXXXXXX XXXX ; XXXX PM ( XXXX minutes ago ) after being on hold again for XXXX mins i was told by the operator that my card was opened and then closed an hour later ... .because it didnt recoginize a XXXX dollar charge to XXXX. as a result my charged was denied and an ac unit i needed here in ny importantly because i am XXXX would no longer be delivered to me on friday but instead have to wait till monday! in addition some guy discussed with me for almost 40 minutes to say if there is a XXXX dollar difference i could get that from the bank ... .it weighs XXXX pounds and what an insult to keep me on the line just to waste my time total phone time 2 hours and a health risk for a stupid bank system please do something!

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 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX is stating that I still am delinquent on an account I never opened account # XXXX. I have disputed this with XXXX, Experian and XXXX itself. Please help! Date opened said date XX/XX/XXXX. with a balance of {$2300.00}. My question I keep asking them as well would be how could you ever get a bill that large ..they turn off accounts after 1 month of no pay which leads me to someone giving fraudulent amounts. Thank you so much for your attention on this matter 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 09/30/2015 about Payday loan () with Ad Astra Recovery Services Inc (TX).
Issue: Received a loan I didn't apply for

Complaint: There is a loan on my credit report for XXXX XXXX and a duplicate for Ad Astra for the same debt. I did not apply for this loan. I have requested documentation to prove that this loan was applied for by me and the debt collection agency gave me a checking account and said the money had been deposited into this account. I have not used the checking account for more than 5 years prior to the date of when the debt collector said I applied for the loan. I attempted to speak with the debt collector and I have on a recorded phone file where the debt collector threatened to have me arrested at my place of employment. The debt collector also told me that they would call my HR department and garnish my wages. On another day, the debt collector called and stated he was a police officer. I made a police report and the Police Dept in XXXX said that there was a scam going on and that this had occurred to many people where there identity had been compromised. My identity was compromised during an employment layoff XX/XX/XXXX by the XXXX XXXX XXXX and this is the only way they could have gotten my information. I have contacted the credit bureau more than 10 times, my attorney XXXX XXXX firm has requested documentation and neither of us have received documentation nor updates for more than 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I lived in a complex XXXX on XXXX XXXX my lease was from XXXX XXXX, XXXX to XXXX XXXX. The end of XXXX XXXX a new company named XXXX bought the property ( tenants were not informed ) I had paid in full lease agreement with XXXX ( did not receive my {$600.00} deposit back from XXXX ). 
XXXX reports on my credit report a debt which I do not owe ( never did business with XXXX ) I want this removed ASAP, thank you XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage took over servicing my loan effective as of XXXX XXXX, 2015. Prior to the transfer, on a monthly basis, I was able to make my regular payment and an additional principal only payment electronically each month. However, with Carrington I currently do not have that option because they are taking exceedingly long to process my request for automatic debit from my checking account. I faxed the request on or about XXXX XXXX, 2015. My request has not been processed nor have I received any type of confirmation from Carrington that they received my fax and are working on my request. 

Since they have not processed my auto draft request, I am forced to make payments online. However, their online system is not equipped to accept my extra principal only payment electronically which is causing me undue stress. I travel Sunday through Friday of the work week. It 's very time consuming to go to the post office to purchase a stamp and envelope. However, I did purchase the stamp and envelope and mailed Carrington my extra payment on XXXX XXXX, 2015. I specifically waited until the online payment was confirmed before mailing the extra payment. I checked the principal only line on the payment coupon as well as wrote in large letters on top that the payment was " principal only ''. I even wrote on my check principal only. Even with the directions on the payment coupon and my check, Carrington still processed the payment incorrectly. They treated my funds as a regular payment and took interest and escrow out. I need help getting them to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Navient. When I was experiencing financial difficulties they told me I have no opinions. For years I paid what I could covering interest only. They falsified information I could have used to pay off my loan earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/2016 our prior mortgage company sold our mortgage to PNC Mortgage. with our first payment to the new company to begin on XXXX XXXX. PNC did not have us set up in their system so we were able to pay over the phone without any extra charge. For the XX/XX/XXXX Payment I paid on line and was charged a extra fee of {$7.00} even though in this day and age everyone pretty much pays their bills on line I do n't think we should be charged for a service in which they get they funds quicker ... that is the first issue. Here 's where the big issue starts ... for the XX/XX/XXXX payment I sent in a check with the coupon from the book they sent us. I made my check for the amt. they had on the XX/XX/XXXX coupon only to be told that we did not submit the correct amount that we still owed {$81.00} more even though that 's not the amt. on the coupon. They called and said they were holding our funds but cashed our check. After speaking with a supervisor who did a escrow analysis on our account we were told that we only owed {$24.00} and received a confirmation number that we paid the extra funds. We were told that a new coupons with the additional {$24.00} each month would be sent with the corrected amt. We now received a letter saying that we owe an additional amount of {$56.00}. Just prior to the sell of our Mortgage we made a payment of {$500.00} to our escrow to make sure it would not be short and to keep our payments the same or less. Also the PMI came off during this time, plus we lowered our homeowners ins. We have never been late or short during the 13 yrs. that we have had our mortgage, if anything we overpay when we can to help pay it off sooner. PNC keeps changing the amount which is causing us to look late when in fact we are not. We feel PNC is purposely causing this issue by not having their books straight. We have never experienced this with any of the other companies that have purchased our account in the past. We feel that they are tacking on additional funds that are not suppose to be there. Please help us resolve this issue. We have no idea as to what we are to pay in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo Home Mortgage continues to collect taxes in an escrow account year after year despite the fact that I do not have to pay taxes under the Texas XXXX XXXX veteran law/act. They apply the escrow money each year to the principal on the loan. Numerous telephone conversations over the years has proved fruitless. The purpose of the tax exemption is to provide more money on a monthly basis to XXXX veterans. If Wells Fargo is doing this to all these types of Texas mortgages the amount of money they are accruing could be substantial!

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 06-12-2015 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Although the company received a federal wire from the title company on the XXXX of XXXX, they did not post the payment until the XXXX, charging me for an extra day of interest. Refuses to credit back this overcharge.

Company response to consumer: Closed with explanation