milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/17/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: I contacted my loan servicing Specialized Loan Servicing on XX/XX/XXXX, to request the identity of the investor of my loan. We were told the request had to be in writing, and were given a fax number to submit the request to. The fax was sent at XXXX PST on XX/XX/XXXX. We were told to allow 24-48hrs for the request to be updated in their system in order to get the information. I called them on XX/XX/XXXX to follow up, and was told the information we had been given previously was incorrect and, per their policy and at the lenders request the information would not be provided for 30 BUSINESS days. According to the CFPB website : " If the request asks for the identity and address of the investor ( owner of the loan ), the servicer must provide this information to you within 10 business days of receipt of the request '' Additionally, each person we spoke with ( 3 so far in total ) are all rude, combative and obstructionary. It 's evident they have all been trained to not give any sort of help, information or guidance when it comes to information about the lenders, like it 's some big secret.

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 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In  XXXX   2016  I went in search of a new car. My understanding is when you apply for auto loan in a 30 day time frame you would not be penalized for inquiries relating to  XXXX  possible car loan. Went to  XXXX  dealerships and  XXXX  of the  XXXX  obtained auto loan with  XXXX . For dealerships to run multiple companies to obtain best rate for themselves and supposedly mine I had no knowledge on all these inquiries along with  XXXX  to  XXXX  inquiries within a 30 day period all related to auto loan to which I acquired with  XXXX .     Had credit reported back 17 years reporting 2 years? Please report correctly.

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 10-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Phoenix Recovery Group (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is a follow-up to the initial complain filed against Phoenix Recovery Group. PRG responded to said complaint stating that they had a contract bearing my signature, that they sent validation documents from the original creditor to me and that they validated the debt with the original creditor. Additionally, they claimed to have updated the account with the credit reporting agencies to reflect that the account was in dispute. While the account was in dispute, they continued to attempt to collect on the debt by calling my cell phone on the weekends and continuously reporting the account to all three credit reporting agencies. Further, when I disputed the account several times with the credit reporting agencies, PRG responded to those disputes claiming that the account was accurate. Despite the emails from the original creditor I sent listing the correct balance that was paid, they continued to intentionally act illegally and unethically. 

To this day, I have yet to receive those documents. I reached out to the original creditor and advised them of the unethical and illegal debt practices PRG had engaged in with respect to this collection account. The original creditor responded stating that they were unable to validate the debt because they no longer owned the property. They had not received a dispute of the debt from PRG and that PRG advised them that they were waiting to receive documentation from ME to process my dispute. The original creditor had to reach out to them to tell them they can not verify the debt and to remove it. 

While the debt has been removed, it is imperative to ensure that this complaint does n't go unnoticed. PRG blatantly lied to CFPB, broke multiple Federal and State laws and ruined my credit for nearly a year.

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

Complaint: I have been monitoring the Equifax information breach that occurred recently, and deemed it necessary to place a freeze on my credit. 
onXX/XX/XXXX, I placed freezes through XXXX, XXXX, and XXXX. Those actions took maybe 30 mins tops for all three combined. I have been attemptingto freeze my credit through Equifax to no avail. I have tried three times via the website ( https : //www.freeze.equifax.comXXXX ) and twice via phone ( XXXX ) with no assistance being provided. This is extremely frustrating as the company is the cause of this disturbance. I am appalled as to why this process is so tedious. I believe that Equifax should freeze all accounts as this breach is on them and their failure to protect the public 's secure information.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX XXXX XXXX, 2015 I submitted a dispute to Equifax regarding an account that was unlawfully transferred and reporting inaccurate and false information. I requested the descriptions and procedures of the reinvestigation as well, as my attorney has notified me were my rights to have. Equifax continually claimed they verified the account and sent me a notice saying that it was updated with new information. This account was reared and dates were added to include it to be active in 2015. This information is absolutely inaccurate. I requested the descriptions and procedures and they sent me a separate letters, after i wrote a letter requesting their methods of verification, that it was not their responsibility to provide that information to me. I asked who spoke to whom and when and how was this verified and even updated and they refused to answer my question. This investigation was done past XXXX days and finally after months of fighting i wrote them threatening to file an FTC complaint and they did not respond to me again and continually ignored my letters sent certified mail. In XX/XX/XXXX i filed my first CFPB complaint and they claimed, that on XXXX XXXX, 2015 they 'CALLED ' to verify and spoke " personally '' to someone at that department. This " verification '' which they are attempting to falsely XXXX me up with was only done nearly XXXX months to the day that I requested an investigation along WITH the descriptions and procedures, which were never provided to me. This account continues to be inaccurate and it was unlawfully placed on my file. I have never had an account settled or owed to the US Department of Education. Before any transfers were done this account was settled with Pell Overpayments. They verified a transfer with someone else ( a male ) i am a woman. Therefore this account was never authorized to be paid or transferred by me. The Us Dept of Eductaion knows that they falsely transferred this an do not wish to be honest about it andI have filed a formal complaint against them and they have informed me that they are checking phone records and signatures to investigate who authorized this account to be transferred when no amount was due to them and no one ever spoke to me. I have never been delinquent on anything in my life. There has been a tremendous injustice done unto me and they refuse to see that this account is under investigation and was fraudulently placed on my file. Equifax is lying about doing an investigation, they have no proof, they send me NOTHING and they had not responded in over XXXX days initially and now they claimed to have called on XXXX XXXX? No, that is unprofessional, unacceptable and too late. This account must be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Payday loan, title loan, or personal loan (Title loan) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (SC).
Issue: Vehicle was damaged or destroyed the vehicle

Complaint: OnXX/XX/XXXX my XXXX XXXX XXXX XXXX was destroyed in an accident that resulted in my wife suffering a XXXX and 42 days in a XXXX. around XX/XX/XXXX HDFS was provided with the name of the insurance adjuster and claim number and I was told no problem we will take care of it. Shortly thereafter I started getting late payment notices on my credit report and after multiple calls to both HDFS and XXXX nothing happened. InXX/XX/XXXX a tow truck was sent to my house to repo the vehicle that was sent to salvage in XXXX. XXXX finally made a payment on XX/XX/XXXX. 7 months later. They have in writing that it was in part due to HDFS sending them the wrong information that it took so long. Needless to say all HDFS could do was continue to hit my credit report with missed payments as I now sit unable to work because I have to take care of my wife at home 24 hours a day. 

It took the GAP coverage until XX/XX/XXXXto make a payment which still left money due which when I asked I was told it was for interest payments. Which by XX/XX/XXXX that account was paid about 2 years ahead of time. I have asked for a breakdown of all payments received and all charges applied to the account along with dates and amounts sent to XXXX for payment. 

The poor customer service this company and others provided me drove my credit score down from XXXX to XXXX in months, thus when I went to refinance my house to use the XXXX in equity in it to keep all my bills current until I could work again, my score was too low. HDFS and XXXX caused my family great financial harm to the point that I am usually within DAYS of having my house foreclosed on and vehicles repossessed. 

One year to process a simple 100 percent destroyed claim on a motorcycle and I now have statements showing that the about {$800.00} that was left after the insurance companies paid, has now grown over 4,000.00 Additionally I was informed that the motorcycle was sold. I dont know how a vehicle that I was paying for and still getting billed for could be sold without my Knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On Saturday,  XXXX   XXXX  we notified Bank of America that they incorrectly deducted  XXXX  payments for our credit card payment from our bank account, both of which are Bank of America accounts. We did an online bill payment from our Bank of America checking account in the amount of {$5300.00} to pay off our Bank of America credit card balance and then the same day they deducted an additional {$5300.00}. When we called on  XXXX   XXXX  to notify them of the double withdrawal, we spoke to a live agent and were told it would tak e 3-5 busi ness to return our money. We disputed this since all of the money was in Bank of America accounts but they explained that they had no control over getting a refund processed by their own credit card to their own bank accounts. Today is Sunday,  XXXX   XXXX  and it 's 8 days later ( the  XXXX  wa s the 5th business day ) and  they still have not refunded our money. Every day that we call for a status, we 're told the refund will be the next day, but it 's never happened. The extra {$5300.00} they took was pretty much all we had left in the account. We 've gone 8 days without this large sum of money. And we have n't been able to get any cash because the balance is so low and our bills are set up on auto payment so many of them are still trying to clear the account, deplenishing what balance we do have left. For them to keep our {$5300.00} for 8 days is ridiculous when the money is in their own accounts. They could have cut us a check within these last 8 days but instead we 've been told we have to wait for the credit card to issue a refund to us. We 've had to borrow money to get by while they hold our money. How much interest are they making from us and who knows how many other customers they are doing this to?

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 11/28/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Western-Shamrock Corporation (TX).
Issue: Struggling to pay your loan

Complaint: I have a personal loan with XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Last month by the end of XX/XX/XXXX I spoke with the manager XXXX of this finance company because I was less than a week late on my payment. Due to am still making payment on my Mothers funeral home. My mom XXXX XXXX XX/XX/XXXX and I have n't finished making payments. I told the manager that due to personal issues I wanted to pay a payment arrangement the amount that I owe is around {$800.00}. and my payment is about {$98.00}. I said and I send them a letter stating that I will be sending payments every two weeks of {$24.00}. I was told that they were going to visit me at work, home and harassed my personal references and treat to send me to Court and Collections. I told them that if they could n't accept my payments and the only option was to send me to collections, well to go ahead and do so but then she retracted on what she said. Yesterday I got a visit to my house XX/XX/XXXX and they wanted to collect {$5.00}. cause I told them I had just send them a money order by mail. I started sending payments in money order since XX/XX/XXXX and I have given 3 payments so far but they are not accepting them. I already told them to stop going to my house but I am afraid they would n't stop, please help ... I am not hiding from my payment and I do n't want to be irresponsible

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Using a debit or ATM card

Complaint: This is the 2nd complaint about the same, unresolved issue. Let me start by stating that I do not think all the parties at SunTrust Bank are addressing or communicating with each other over this issue. The first problem comes into play that I did place a charge in XXXX XXXX for {$160.00}. Upon deciding that I did not want the service and did not like what was provided, I decided to contact XXXX XXXX and let them know to remove the charge. Between XXXX and portions of XXXX, I requested the merchant, XXXX XXXX, to remove the charge. Upon speaking with several of the representatives, the first of which promised to remove the charge, I thought this issue would be resolved. Not only was the money not refunded to me, but I was advised to take up this issue with my bank, SunTrust. I contacted SunTrust Bank on XXXX/XXXX/XXXX to place a formal dispute on the charge for {$160.00}. Once the dispute was placed, it took a very long time for credit to be issued. After contacting this agency and threatening with contacting the state attorney general, SunTrust issued the credit. The first complaint in reference to this was closed out when I spoke with XXXX at SunTrust. XXXX assured me that the dispute was closed in XXXX and the credit of {$160.00} was permanent. I assumed with the complaint being permanent, the money was mine and it was in the account. In XXXX XXXX, I received another letter from SunTrust Bank advising that the merchant responded to my dispute and was requesting that I provided the refund policy and other information to SunTrust in reference to the amount. We are already hitting the 4 month mark on this dispute and the unclear, XXXX letter from XXXX at SunTrust made this issue sound like it was far from closed. The money has been utilized for the {$160.00} and being told, after the 1st complaint against SunTrust, tells me there is a lack of communication between the Debit Card Fraud group and the executive group that handles these complaints. I have tried to call XXXX back on several occasions and I have left voice mails with her and in the general mailbox with no calls back. I was advised that I had to respond by XXXX/XXXX/XXXX in reference. I have no idea what I am responding to as I thought this issue was closed. This is causing a lot of aggravation, frustration, and an extreme feelings of disgust. SunTrust needs to get their act together. 

Thank you XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have just graduated from my university on XXXX/XXXX/XXXX. Great Lakes says that I will begin repayment on XXXX XXXX, XXXX. I believe that I am entitled to a grace period that would make my payments not due until XX/XX/XXXX. The representative whom I spoke with today stated that there is only XXXX grace period over the life of the loan. The information that I have read online leads me to believe that this is not the case. I will be happy to start making my payments in XXXX, but am not willing to skip my grace period, to which I am entitled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Out dated accounts still on credit reports

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 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STATE FARM BANK, FSB (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I HAVE TRIED CALLING THE CREDITORS BUT HAD NO LUCK WITH GETTING MY ISSUES FIXED. SOMEONE TRIED GETTING SOME CREDIT CARDS IN MY NAME WITHOUT MY PERMISSION CAUSING HARD INQUIRIES TO OCCUR ON MY CREDIT REPORT. STATE FARM BANK-UNAUTHORIZED- HARD INQUIRY- XX/XX/XXXX XXXX CARD-UNAUTHORIZED- HARD INQUIRY- XX/XX/XXXX XXXX XXXX XXXX- UNAUTHORIZED- HARD INQUIRY- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OR).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: OnXX/XX/XXXX I submitted my recertification for an income based repayment. I uploaded the required documents through the official FedLoan website. A week later, it was denied. When I called back, the representative explained that on their end, reviewing the documents and requirements, there was no reason for a denial. 
The representative stated that they were re-submitting my documents again and attaching a note verifying the documents were complete. Therefore, as this is time sensitive ( due date for accepted recertification is XX/XX/XXXX ), that it should be expedited. 
Called again todayXX/XX/XXXX, and was told no notes or expedited requests could be placed on re-submitting a recertification request. Then, customer service tried to blame me for the denial of my request, even after reviewing the documents I submitted were in fact the documents needed to obtain the recertification. 
I had similar issues with FedLoan Servicing in XX/XX/XXXX, and again this year in XX/XX/XXXX 
A student loan servicer is required to service my student loan. Therefore, when I submit the correct documentation to recertify my income based repayment, and I recieve a denial every year, usually creating a situation where I pay a large sum of money for two months while FedLoan fixes their mistakes ; they are in violation of the agreement and contract they signed with the federal government to service my loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/25/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This account has been reporting on my credit for the past 7 years, and it should be deleted based on the time, has been reporting. At the time I am trying to buy a house for my little son and my wife, and this makes it hard since it should be deleted based on the law.

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 07/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CO).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: This all started with a rogue, {$30.00} charge on my account with wells fargo. I contacted the company who made the charge and told them I had closed my account. I had done this, but they told me there was another account with an expired credit card from 2 years ago. They recently used the visa account updater service to retrieve a new payment token from Visa and Wells Fargo. I have closed my account with the merchant and opted out of their renewal program. I contacted wells fargo to find out how to opt out of the visa updater service and no one there that I spoke with knows anything about this. The visa updater service is a 2 part process. Wellsfargo has to get my information, or a token, to visa who relays it to the requesting merchant. Wells fargo is telling me I can opt out with the merchant. The merchant is telling me I can ask to opt out of this from the bank. The bank is tellingme I can not opt out of it from them and that I have to try to do this with the merchant. Meanwhile if you XXXX search " vau opt out '' there are many discussions from small banks who are tyring to find out the best way to offer an opt out to their customers, and whether or not they have to notify them when a request comes in. This indicates that it is the bank ( the company that provided the debit/credit card a customer would contact to opt out of the VAU ( visa account updater service ). I want to be able to opt out of this as I see it as an invasion of my privacy when a bank would send payment information to a merchant on their request, not on mine. If I choose to not update a card at a merchant, I want it to be on me, not up to 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