milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have submitted a complaint about my credit report however I have not received any changes. There are tax liens as well as inquiries that do n't belong to me. I have no knowledge of this debt. Please help me! I am furious!! Take them off!! State lien paid in released ( XXXX ) State lien ( XXXX ) State lien ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquiries that were not authorized! XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/Experian credit works XXXX Experian identity rise consumer info Please Remove them immediately!! It should be illegal to report items that do not belong to me!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2016 about Mortgage (Conventional fixed mortgage) with CORELOGIC INC (NJ).
Issue: Credit decision / Underwriting

Complaint: I was only comparing rates for a mortgage. House was paid as a cash purchase. No mortage was required.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 'm receiving daily calls ( usually XXXX or XXXX calls per day ) from XXXX ( Capital One collections department ). I am not a Capital One customer and owe them no money. I 've called them XXXX times requesting that they cease calling me, but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: Am I correct that I am required to pay for a freeze on my credit for XXXX and XXXX? I discovered this only after I had to navigate around a service XXXX wanted me to pay for ( XXXX ) as an alternative to freezing my credit. It seems as though these credit reporting agencies are attempting to take full advantage of this Equifax hack situation. Equifax should foot the bill for these credit freezes that put at least 143 million ( most likely many more ) identities at risk for theft. At {$3.00} per freeze, these agencies stand to make XXXX XXXX XXXX of dollars as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit card () with CITIBANK, N.A. (TN).
Issue: Late fee

Complaint: I applied for a credit card that a zero interest balance transfer. I never received the card, or any paperwork stating the card was active or approved. I received a bill in the mail in XX/XX/XXXX, I paid it because I pay every bill I receive. I since had a the account closed because I never received the cards, CITI opened up a new account and sent me a bill. The one they sent me in XX/XX/XXXX was due on a holiday. I sent them the payment electronically before the holiday, but it was processed the day after, hence generating a late fee. They would not waive it because the previous account had a late fee, and that late fee was generated because i never received the bill nor the cards. They said the late fee can not be waived due to a holiday, and I should have paid before the holiday which I did.

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 08/21/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NJ).
Issue: Trouble during payment process

Complaint: I had applied to modify my loan to try to get a lower interest rate because, from all guidelines, I qualified. I submitted my application and was approved BUT the new loan was ridiculous and would have extended my mortgage by another 10 years AND increased my monthly payment which would be crazy for me to accept so I wrote and declined the modification and told Ditech I was sticking with my existing mortgage agreement. That was 4 months ago and I have made two monthly payments that the bank has put in " suspense ''. I kept calling and have been told it is because my loan in is " Loan modification review status '' which is just not truly. I spoke last week to " XXXX '' and have all the time/date/extension details. She told me it would take 24 hours but she sees that I rejected the modification offer but because I did it in writing and not on the phone, there was a problem? She said she would fix it within 24 hours and now it has been many days STILL and it has still not been fixed and my amount due shows a HUGE $ amount because I have two full, complete, total payments put into " suspense ''. Please help me!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently served notice to the company to validate a questionable account they had reported on my credit report. The company not only failed to provide me with the proof I had requested but also verified the account with the 3 credit bureaus and persevered with reporting it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Debt collection (Credit card debt) with New Century Financial Services, Inc. (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The actions are from XXXX XXXX XXXX, representing New Century Financial Services. 
XXXX XXXX XXXX sent a summons in XX/XX/XXXX to an address to which I had a furnished room in XX/XX/XXXX. I moved out of this furnished room approximately in early XX/XX/XXXX. I had no knowledge of this summons. The certified letter returned to court unclaimed XX/XX/XXXX. XXXX XXXX  XXXX used regular mail as well. In XX/XX/XXXX, XXXX XXXX XXXX obtained a default judgment for the amount of XXXX - XXXX added interest and fees. They claim their client owns a debt from XXXX in my name. 
Sometime between, approximately, XX/XX/XXXX I received a letter from XXXX XXXX  XXXX demanding I answer a questionnaire about my assets, bank accounts, and etc. at my current address. I was surprised, and I did not answer because I regarded their actions hostile, invasive, and questionable. 
On XX/XX/XXXX I was notified I had received a letter from XXXX , XXXX , XXXX XXXX XXXX , XXXX . The letter is dated XX/XX/XXXX informing me of a notification of an application for wage execution to be served upon my current employer.

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 05-10-2017 about Mortgage (FHA mortgage) with BOK FINANCIAL CORP (NJ).
Issue: Trouble during payment process

Complaint: To whom it may concern, I started to pay my mortgage on  XXXX   XXXX  at the amount of {$3100.00} as monthly payment. For  XXXX  quarter of  XXXX , there was a property tax credit of {$820.00} due to  XXXX   XXXX   XXXX   XXXX , so for  XXXX  quarter of  XXXX , property tax was {$1700.00} instead of {$2500.00}. At that time I contacted the mortgage lender and they reduced my monthly payment from {$3100.00} to {$2900.00}. That adjustment should last only for 3 months, but they made a mistake and continued to until  XXXX   XXXX . Now they increased monthly payment to {$3500.00} starting from  XXXX / XXXX / XXXX  which I ca n't keep up with.   I contacted them many times to resolve this matter, but the vibe I got is they want to rip me off. I bought this property on  XXXX / XXXX / XXXX , so the  XXXX  quarter of  XXXX  property was already paid by the previous owner on  XXXX / XXXX / XXXX  as shown in "  DOC431.pdf '' . And  XXXX  quarter of  XXXX  property tax assessment was right due to  XXXX   XXXX   XXXX   XXXX . so escrow account shortage was starting from  XXXX   XXXX  to  XXXX   XXXX  for the property tax miscalculation by lender at the amount of {$270.00 } (  {$3100.00} - {$2900.00}  ) ev ery month.So for total 11 month s (  from  XXXX   XXXX  to  XXXX   XXXX  ), the escrow shortage should be {$3000.00 } (  {$270.00} x  11 ).  But the lender kept saying the shortage is more than {$5000.00} with ridiculous lies such as they paid  XXXX  quarters of tax for  XXXX  which is totally untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (KY).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is with BBT, I have property tax and insurance escrowed. My loan is {$170000.00}, my monthly escrow is {$370.00}, my appraisal is {$230000.00} and assessment is {$2300.00} due in XXXX each yr. My escrow balance was {$4000.00} and my account has never been late.I signed up for online banking 2 weeks ago and saw BBT debited my escrow for {$16.00} to pay my property taxes. Now this is not a new loan, the bank has a file with my property description, value, name on tax ticket, and of course the correct amount due because I pay escrow & they do a Escrow Analysis each year. I checked with the XXXX XXXX Tax assessor web site and saw my taxes were delinquent and a 21 % penalty.This is a huge problem because property gets sold and then you have to go thru a 3rd party to buy it back. I was so shocked because I know Banks have strict rules that govern paying escrow payments on time and accurately. After multiple phone calls and BBT employees telling me the bank will pay and I would not be responsible for the penalty, I sent faxes and finally a legal " Notice of Error '' to document my written request. My taxes were finally paid after 2 weeks but BBT also charged my escrow for the {$550.00} penalty.My position is that Red Flags should have been raised when they issued a {$16.00} check to pay my taxes. Where are the safe guards, common sense and professionalism in paying {$16.00} in taxes on a large mortgage? They are blaming me because they paid the wrong tax ticket. They paid a ticket on XXXX acres unimproved hillside property, valued at {$1600.00} in SOMEONE ELSES NAME. I have nothing to do with the tax assessor office, I do n't know my tax # unless I look it up. The bank does however have my file and all info. Because they paid the wrong ticket, they are charging my account for the penalty. The Bank has an agreement with me that we both signed to pay my taxes on time, and I do n't see any ifs, ands or buts in the agreement. All they had to do was be proactive, check the tax web sight & they could have avoided this disaster.

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 05-08-2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Trouble during payment process

Complaint: I have been making regular payments on my mortgage serviced by  Caliber Home  Loans. Back in  XX/XX/XXXX  the escrow was ajusted of which I have no record of receiving and I am in a Winter home at that time so the mail was an issue. However once I was aware I made every effort to correct and with each payment that was not the full amount of the payment they conviently placed in a suspense account and began posting late fees etc, I have since been in contact with them in both   XX/XX/XXXX  and again in  XX/XX/XXXX   with the same response " your payment was late '' not once was the payment late. They have reported to credit agencies that the payment was late. I sent in additional payments to correct and am still told I have not made my payment. I call d again on Friday  XX/XX/XXXX  with no satisfaction, I then asked to speak with a supervisor and was told it may take 24 to 36 hours and   I was fine with that. On Monday I recieved a message on my phone from  XXXX  and I calle d back to a machine so I left a message to please call between  XXXX  and  XXXX  so I could have everything in front of me. I received no call back. It is now  XXXX  no call. I believe what they are doing with these payments is illegal. They are forcing late fees to hit.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There was an unauthorized hard inquiry made by XXXX/XXXX XXXX XXXX XXXX onXX/XX/XXXX.

There was also an unauthorized soft inquiry made by XXXX XXXX XXXX XXXX on 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 03/19/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call 4-6 times a day on my home phone and on my cell phone. They are both on the do not call list. They call from different phone numbers that have been reported as scams and do not answer. The area codes either do not exist or do n't work. I have blocked one of the numbers so far. The companies name is Portfolio recovery. You can not call any of these numbers back they are disconnected. The numbers are XXXX, XXXX, XXXX. I did see other numbers on all of the pages with these numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Asked CHEXSYSTEMS to verify information that was incorrect on my credit report. They were unable to numerous times even after numerous times I contacted them numerous times and they still have not verified and put accurate information on my chexsystems report which has caused banking issues.

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 08-04-2015 about Debt collection (Credit card) with Pinnacle Credit Services, LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I hired a company to clear false information in my credit report. I received this letter from XXXX representing Pinnacle Credit Services , LLC. Threatening legal action etc. if I do not pay the amount they requested and/or contact them to dispute or validate said account.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Bank account or service (Checking account) with NEW YORK COMMUNITY BANK (CA).
Issue: Account opening, closing, or management

Complaint: I am unable to access my account information with customer service. They indicate that I do n't have security questions/answers on file, therefore they ca n't verify my. Never have I been presented with the ability to complete said security questions/answers. The account was originally created with AmTrust who was then acquired by New York Community Bank. Since then, I 've been locked out of my account via their website and can not get assistance on the phone due to the lack of said security questions/answers. I do n't receive paper statements, they are online only so I have no visibility to what is going on with the account. I was n't too concerned about this since I have n't used the account in several years. Yesterday I received a overdraft notice in the mail on the account for {$8.00} and customer service ca n't assist me in determining why/how, again due to the lack of said security questions/answers. I 've provided them every piece of identifiable information I have ( account number, name, SSN and address ), yet this is not sufficient verification to assist me with resolving this overdraft issue.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit reporting () with MIB Group, Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I requested a dispute with MIB about the information being reported by XXXX Insurance on my file. I explained to them that item is from XXXX, XXXX deletes that after 7 years, Normal credit reporting agencies delete info after 7 years. MIB states XXXX reported to them in XXXX, not my problem that is the date that they reported in on my file. Consumer Financial Protection laws protect comsumers from reaging information and it 's not even a debt, it 's information taken from my driving record which no longer appear on my driving record, that 's because dmv deletes it after 7 years, however MIB has n't deleted and it 's not A farmers insurance issue. it 's mib lack of understand of the fcra that i 'm protected under. 

i have attached the correspondence from XXXX as evidence that the incident is from XXXX and my current mvr that shows that incident is not longer on my driving record. I ask you once again MIB to delete those XXXX inaccurate items off my mib report. Again this is not an issue with XXXX Insurance, it 's an issue with MIB Reluctance to keep accurate information on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am replaying PLUS loans for my daughter 's education. It originated with XXXX XXXX and was transferred to Navient. I do n't think my payments are being allocated correctly. One month more goes to interest than another month. Even on months I pay early, principal amount goes down.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Today   XXXX   XXXX   XXXX   I receive a email from   XXXX   XXXX   stating that there has been a new item that has been added to my credit file and it was stating   XXXX   XXXX   credit wise so you open it up and it was not creditwise and it wants you to open and it takes you to Transunion and they want  XXXX  for the service and  XXXX  days trial then cost you  XXXX  per month. Why would I pay them a monthly fee when I get it free. I have all the copies of this coming thru  XXXX   XXXX  and it does not state anything about Transunion until you are directed. I feel this is illegal way for Transunion to get business.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Non compliance with FCRA and XXXX XXXX compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: On XXXX XXXX I had an electronic transfer to the credit card company to pay off my balance. I was looking at my credit limit and accidentally quoted them the amount of my credit limit instead of my balance. by the time I realized it, to late. I figured they knew how to take care of it. Well, when they got the money with the extra amount they put the extra amount in like I owed it. Of course at the time I did not know this until I received a letter from them apologizing for the mistake. The letter was dated XXXX XXXX. So, ok, I figured they would fix it. So now on XX/XX/XXXX I get a bill that is charging me {$18.00} in interest. In the time between I also had a XXXX card with the company so I called in and asked if the credit I had could be applied to that second card. That seemed to be ok, so I canceled the original card. I'm older and I would sometimes use the wrong card since I had XXXX separate cards and really needed to par down on my stuff. They tried to get me to combine the accounts but I Only wanted to retain the smaller limit card, they finally accepted that. Sounds like everything is great, until I got that bill. I was so pissed about that {$18.00}, that I called right then, and of course get the recorder guy, waited through all that mess and repeatedly asked for representative. Finally I get a person but he n helpeeds all my information then he still doesn't work out, hard to understand with his deep accent, etc. So now I get a young lady, I'm really Mad by now and she can tell but she is real cool and tells me that the interest charge is computed daily and I am trying to tell her the account was closed and overpaid and the extra money was transferred to another account. She is still saying that the interest charge is from XX/XX/XXXX to XX/XX/XXXX. I'm still trying to tell her the account was paid off, a mistake was made and trying to read her the letter I got and she is saying to me that the interest is computed daily, needless to say she was not trying to help me understand anything and did not even seem to be hearing anything I was saying. Not once did she say, Mam lets see if we can figure this out or maybe a supervisor could help, NOTHING in the way of real customer service. And well, I really lost my temper and told her to cancel my other card and that I was going to complain on a national level and tell every person I know and Meet not to deal with their company.,

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-03-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX added a mortgage on my credit report that belongs to my mom. I have provided the proof necessary to remove this off my credit and Equifax failed to read and correct the information. 
The mortgage was originally with XXXX, and XXXX confirmed my name was not on the mortgage, The attached documents clearly prove that my name was released from liability of this loan. Please have equifax remove this information from my credit report asap or i will file a claim to sue them. this is my 3rd request to equifax. 
thank you.

Company response to consumer: Closed with explanation