milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: I receive an email saying " An event occurred that could impact your credit score. Please log into your account to find out exactly what happened. '' When I log in, there is no indication any event -- mainly there are a number of marketing ploys, all of which cost money. Many of the ploys lure you into asking for additional information, then have you " place and order '' that you are unaware you will pay for. 

This seems to be behavior that should not be tolerated by an entity which we require to honestly and straightforwardly deal with our credit.

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 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX paid in full still showing on my credit report cra violation inaccurate information

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 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX is reporting unauthorized inquires on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: The loan has been sold several time with first sale by XXXX. Each time it was sold, higher interest was added.XXXX tried to foreclose when it went to court the judge dismissed and threw the case out because it was a predatory loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
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: XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, South Carolina is a Predatory Lender. I purchased used car a XXXX XXXX XXXX for {$9000.00} with cash payment down of {$2000.00} making the financing by XXXX XXXX XXXX for {$7000.00}. 

Due to Financial Difficulties I did a Voluntary Surrender of the car back to XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX took a {$7000.00} car and sold it for {$2000.00} at an Auction and billed me for the balance of {$5000.00} now on this date of XX/XX/XXXX the {$5000.00} balance has grown to {$5900.00}. 

I want an Investigation Into the Criminal Fraudulent Activities of XXXX XXXX XXXX in trying to Collect Double what the car was financed. 

Selling a {$7000.00} car for {$2000.00} was a giveaway and XXXX XXXX XXXX didnt try to collect the Market XXXX XXXX Value of the Car. 

Waiting for your reply. XXXX XXXX XXXX should not be In business. Right at this point they are in the Business of Predatory Lending and Cheating their Customers. 

Any resale of a repossessed vehicle must be conducted in a commercially reasonable manner. Your creditor doesnt have to get the highest possible price for the vehicle or even a good price. But a resale price that is below fair market value may indicate that the sale was not commercially reasonable. Commercially reasonable may depend on the standard sales practices in your area. A creditors failure to resell your car in a commercially reasonable manner may give you a claim against that creditor for damages or a defense against a deficiency judgment

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 03/19/2018 about Mortgage (VA mortgage) with LoanCare, LLC (FL).
Issue: Trouble during payment process

Complaint: My husband and I purchased a home in XX/XX/XXXX and the loan is being serviced by LoanCare. At the beginning of XX/XX/XXXX, we received a letter from LoanCare stating that our mortgage was increasing by {$300.00} per month because our taxes had increased to {$4500.00}. I wrote back to them and sent a letter from the XXXX XXXX XXXX appraiser stating that we had filed a homestead exemption. I waited a few days then called to see if they had received the paperwork. They said that they had a nd that I would have an answer with regard to re-calculation by XX/XX/XXXX No one called me back. I called them back and spoke to a XXXX who told me the tax dept was working on it and that I would have an answer in 72 hours which would have been XX/XX/XXXX. No response. I called back on XX/XX/XXXX and spoke to two people, one named XXXX who told me that re-calculating normally takes 6 weeks. I asked to speak to a supervisor, he told me no one was available but that someone would call me back within 72 hours. Still no response. I have on two occasions requested, in writing, for an advocate, and have gotten no response! I now wonder if they are working on a re-calculation at all and where did they come up with the {$4500.00}. The County estimated our taxes at {$2300.00}. We are seniors and can not afford this {$300.00} per month increase, especially when we did our exemption. Can someone help us. This company it totally unethical and unresponsive.

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 07-06-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I am contacting your office to formally appeal the denial of the modification request for the property located at XXXX XXXX XXXX XXXX XXXX XXXX, CA. <P/>I received a written denial from Shellpoint based on NPV calculations that stated that I did not qualify for help. However, there were multiple errors made by Shellpoint in the data that was used to evaluate my request. These requests relate to the income used, as well as the appraised value that was listed on the form. These are obviously two MAJOR determining factors and the incorrect information used to conduct this evaluation renders the entire underwriting decision moot. <P/>Error # 1 : The file that was submitted in XX/XX/XXXX 2017 showed a significant change in financial circumstances and based on this, my monthly income average was {$35000.00} which is significantly HIGHER than the figure of {$25000.00} that was used in Shellpoint 's evaluation. <P/>Additionally, the property value that was used in their evaluation was listed as {$3.00} million dollars. However, I have correspondence from Shellpoint ( attached ) that clearly states that on XX/XX/XXXX Shellpoint acknowledged that the current property value was XXXX XXXX dollars. Now their appraiser and Shellpoint is attempting to state that the appraised value of this property increased over 1 million dollars in two months time. Not only is this inaccurate, it is mortgage fraud. <P/>It seems that Shellpoint is changing the rules of the game as we go and then hiding behind negative NPV as a reason for denial. They have changed the value of the property 3 times and over a million dollars each time. They have used inaccurate and outdated income figures to determine if I qualify for any assistance programs or plans. I understand there is a large delinquency but I deserve a fair and accurate review based on the information presented, not based on whatever value Shellpoint decides to use to back up their assertions. I thought that it was no illegal for appraisers to grossly inflate values in order to please the lender, yet it is obvious that is what is going on here

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Debt collection (Medical) with Navient Solutions, LLC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this is debt that have been fighting over this debit was suppose to charged to my insurance company once again I give the XXXX driver city of XXXX my insurance information and they did n't put the put the information in right and did n't put the right number in and did n't fell that is it my responsible to give to keep giving them my insurance information. it sad that all the hospital in XXXX can put the current insurance claim in. I do n't understand why it so hard to put the right information in right in the first place. an sick and tried of this company harassing for their mistakes. and what me to pay for their issues I did n't put the wrong number of information in their did that plus their XXXX drivers were very rude and being hateful I have a XXXX as well. I was born with XXXX and did n't like the way I was treated.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax..this agency deleted my high credit, 3 loan reportings from XXXX on my truck pd off in 2014. 
I managed to get the bank to re- submit the loan reportings..they had to do it twice before it was added ... and when it was added to my file..at the same time equifax deleted all but 3 of my XXXX XXXX positive reportings..keeping my score below XXXX. 
I do not know why they did this..im sending pictures of what was deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Lockhart, Morris & Montgomery Inc. (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Two things really, I do not deny owing this debt it originated from an employer issuing me a CPAP machine on a loan basis, upon resigning my options were to buy the machine outright for XXXX or return the machine. This company was XXXX by the way. I attempted to find out how to return the machine to XXXX but could n't get the right procedure and since I thought perhaps I needed it I would go ahead and pay the XXXX when I could, or try and reach out to XXXX to set up an arrangement. I receive some written communication from XXXX, perhaps 2-3 letters. Then I get a letter from a representative by the name of XXXX from Lockhart, Morris, and Montgomery collections. Upon talking for awhile, approximately 3 weeks ago maybe the XX/XX/2017 the balance was suddenly XXXX dollars and I could only make two payments in the amount of XXXX. If I understand the law right they can not " Mark up '' or " add a fee '' to collect this. My biggest thing with this case is that after speaking with XXXX XXXX, I was told I would have to sign a contract or promissory note to pay, and I would be emailed this letter. I never received the letter nor any further contact from XXXX XXXX. Today, XX/XX/2017 I was charged in the amount of XXXX overdrawing my account since I had not heard anything further from the firm, I figured either it would wait till next month or she would send me the document I needed to sign before she would charge me. So the law is fuzzy on this but if I am not mistaken, since I was told I had to sign before she could accept this agreement I should not have had money withdrawn essentially without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Rewards

Complaint: Barclays c onverted an existing credit card of mine to a different type. When doing so, they informed me that any rewards accumulated up to that point would be lost ( I had none ), and that going forward I would earn  XXXX  point per dollar of purchases, in addition to a  XXXX  point bonus after spending {$1000.00}. I made a {$1000.00} purchase a few days later, but was awarded no regular points and no bonus points ( I am owed  XXXX  +  XXXX  =  XXXX  points = {$110.00} in cash ba ck ). I  contacted them and have received varying responses, including promises to credit the points and statements that no points will be given me ( their representatives seem confused ). After multiple emails back and forth, 32 days ago they opened an internal case, which they assured me would be completed within 30 days. They have offered no resolution to this case, so I am contacting the CFPB for assistance.

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 02/20/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (PA).
Issue: Problems when you are unable to pay

Complaint: In XXXX of 2007, my name appeared second on a finance contract with ALLY FINANCIAL to allow my former wife to purchase a vehicle under the XXXX Program. After she made several late payments, ALLY FINANCIAL sold the vehicle for a profit and refunded some of the money to her. Despite that I made none of the late payments nor received any of the proceeds, ALLY FINANCIAL refuses to delete this account from my various credit files.

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 08-01-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: This is the letter I sent to Citibank describing the issue : It has come to my attention that CitiMortgage paid property taxes from our escrow account for a piece of property that we no longer own. ( Your company managed our escrow account and paid these taxes on our behalf. ) On XXXX XXXX, XXXX, we sold our parking spot ( under said mortgage ), to another unit owner ( XXXX XXXX XXXX ) in our condominium building. I have attached copies of the the transaction and the transfer of the deed. 

The City Of XXXX appears to have recorded this sale properly ( see attachments ). 

However, Citibank, in their never-ending corporate incompetence ( which I have experienced countless times with this mortgage ) continued to pay the property tax on this real estate even after THEY GAVE US PERMISSION TO SELL IT! 

We originally purchased our condominium and parking spot together at the same time, both independent real property entities under XXXX mortgage ( originally through your organization ). 

We applied for, and were granted, a partial release of mortgage from Citibank. We were given permission to sell the parking spot, which we did. 

Please update our mortgage documents to reflect that WE NO LONGER OWN THE PARKING SPOT under this mortgage. We have not held title to this property for almost two years. 

That means all the property taxes for the parking which you paid to the City of XXXX on our behalf AFTER we sold the parking spot, should be refunded to us. 

These would include all taxes paid for : XXXX XXXX quarter XXXX XXXX quarter XXXX XXXX quarter XXXX XXXX quarter After XXXX XXXX you unloaded the mortgage to XXXX ( then they kept paying the taxes, as well! ). 

DO NOT continue to pay property taxes on this sold property ( parking spot ) on our behalf. We no longer own it. 

If you have any questions, or need any additional documentation, please let me know. You can find all the documentation regarding this past transaction at the website for 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 monetary relief
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Clarity Services (IN).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: CEASE CREDIT REPORTING I CHOOSE NOT TO MAINTAIN A CREDIT FILE UNDER  F.C.R.A. 15 USC 1681a ( g ).

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Checking or savings account (Other banking product or service) with PNC Bank N.A. (NJ).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: PNC DECLINED MY APPLICATION TO OPEN A BANK ACCOUNT SEVERAL TIMES ONLINE AND AT POTENTIAL BRANCHES

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (TX).
Issue: Managing the loan or lease

Complaint: I refinanced my car from the XXXX to Chase Auto in XXXX of 2016. I filled out all the documentation Chase requested and shipped off all the documents, around XXXX XXXX 2016 the car note appeared on my Chase account and I have been paying it there ever since. In XXXX, I received an Odometer statement that I put in an envelope and sent back to Chase. On XXXX XXXX, I was in a car accident and my car was deemed a total loss, I was in contact with both XXXX and Chase and while XXXX has been extremely helpful, Chase has not. XXXX provided me a settlement amount on XXXX XXXX and provided me a rental car for 10 days ( while they wait for some documentation from Chase ). It is XXXX/XXXX/2016, I am still waiting for Chase Auto to release my Title to XXXX so that the car can be paid off. I have been in contact with Chase constantly through this time trying to figure out what I can do to speed up the process and have not gotten anywhere. 
On my first contact they said the issue was my odometer statement never being received ( I faxed the document to them same day and nothing came of it ) on the second contact I was informed that Chase was waiting on the DMV to " perfect '' the title and to call back in a few days. When I called back I spoke with yet ANOTHER person who said that Chase never received a lien release from the Credit Union and I need to talk to the Credit Union and acquire this document as they can not get the Title without it. This went on and on, getting different information from each person I would get into contact with at Chase. 
I went to the Credit Union and they advised me that both the title and lien release were sent to Chase as soon as the refinance went through ( back in XXXX ). They provided me with another lien release and Chase informed me that I would need to take the document to the DMV ( JUST the lien release ) and they would update the Title. At this point my husband ran a VIN number check and saw that the Title was already in Chase 's name. He took this information to a Chase Branch and spoke with a banker who informed him that the refinance had never actually closed ( even though Chase added the balance to my account and I have been paying them all this time!! ) The refinance is open. Since XXXX 2016! They entered an escalation and stated that I should hear back within 3 days ( that was about XXXX ). 
I would like this matter to be resolved as soon as possible. I think someone at Chase dropped the ball during the refinance and I am having to pay for it. It 's getting to be more and more difficult getting to work without a vehicle, and taking an uber everywhere is getting expensive. I do n't think I can buy another vehicle with this one still on my account ( might increase DTI ), also I do n't want to risk having 2 car payments. XXXX is waiting on the Title in order to pay off the vehicle and it appears that Chase is unwilling to provide the document.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Federal or Private loan : I do n't know because this is a fraudulent loan that I never received. 

I have filed more then XXXX complaints over the same exact illegal, non existing student loans. I have never received these funds. XXXX XXXX XXXX XXXX XXXX has refused to validate the loan. They have lied multiple times including stating they were a candy shop to collect information. They have called my neighbors in attempts to locate me. They have treated to file a police report if I report them. I have already filed these complaints with the Federal Government. 

This loan is resurfacing. I also have these fraudulent loans showing up on my credit reports as " wright-offs ''. There has been zero accountability from any of the companies involved with collecting the money, selling the fraudulent loans to new companies, and no company has been required to provide information about the loan. 

I asked in XXXX ( before I graduated collection ) for proof of this loan. Instead of mailing me the fraud packet, the company sent me letters stating they would report me to the police for filling false charges. In XXXX, XXXX, XXXX, and now XXXX, I have filed statements requesting this company prove these loans existed. 

There was only XXXX loan during this time, not XXXX loans. 100 % of the loan is currently at another bank. The loan is not late and the bank has not attempted to collect because I am still in college. 

This company has violated ( XXXX ) the fair credit report act XXXX XXXX XXXX the collections act. I seek damages for the destruction of my credit reports. I seek damages for the years and years of stress and humiliation. I can not even answer my phone because of these fake loans. XXXX time, the agent at XXXX XXXX XXXX XXXX XXXX acted as a client to book an appointment at my work. 

However, I have already been in contact with legal counsel and I plan on building a lawsuit against this bank.

Company response to consumer: Closed with explanation