milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I purchased a vehicle on XXXX XXXX and it ways paid in cash. There was no financing however the dealership XXXX XXXX ran my credit to three different loan companies. Ally Financial, XXXX XXXX, and XXXX XXXX finance. None of these were authorized and all three above companies as well as the three credit bureaus wont remove any of the inquiries. I am trying to repair my credit and these XXXX hard inquiries are hindering me from doing so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The credit reporting agencies are incorrectly reporting my current account status as 60-120 days past due. I paid the accounts and have a zero balance. I want the credit agencies to report the current status correctly as " Paid as Agreed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Other debt) with I.C. System, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX  and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) (  B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) IC Systems, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 )  ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

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 10/16/2016 about Mortgage (Home equity loan or line of credit) with SANTANDER BANK, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Sandanter Bank is reporting XXXX line of credit accounts to my report as haveing been late on payments. I have disputed these account with Sandanter and Sandanter has failed to provide the notice of dispute in the required time frame as required by law. I am planning to sue Sandanter Bank in small claims court nearest to me. I am planning to sue for {$5000.00} as explained in attached letter. 
This is a goodwill attempt to solve this issue out of court and without monetary compensation. once i Sue in court i will not settle without momentary compensation.

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 08/27/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Some company posted a account on credit report that is not mines. They never even sent me a bill stating debt. But after i disputed they updated account and sent me attached letter.But company still has not provided me information on what the debt is. The letter does not even give me any type of ACCOUNT INFO. 

Account XXXX Bank XXXX, this account is not mines and this bank never sent me any information regarding this bill. I do n't know what this is.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (PA).
Issue: Using a debit or ATM card

Complaint: My XXXX-year-old daughter 's debit card was used fraudulently beginning on XXXX XXXX, 2015. 
While the bank - Wells Fargo - stopped all subsequent debit card charges that day to taxis, additional subsequent fraudulent charges were permitted by Wells Fargo to a number of fast food outlets and discount grocery stores. As soon as the funds on the debit card were depleted, Wells Fargo withdrew a total of {$270.00} and XXXX {$12.00} overdraft fines from my daughter 's savings account. The fraudulent charges at locations ( XXXX and XXXX ) and businesses ( fast food chains and discount grocery stores ) were inconsistent with my daughter 's spending patterns. We live in XXXX. 

I became aware of the fraudulent charges on XXXX XXXX when I uploaded transactions on XXXX, discovered the fraudulent charges and contacted Wells Fargo to shut down the card. Wells Fargo promptly refunded the full amount of fraudulent charges and bank fees. However, my specific complaint is that the bank 's fraud detection system identified and stopped fraudulent charges on XXXX XXXX but even two days later the bank neglected to : ( 1 ) alert my daughter that her card was being used fraudulently ; ( 2 ) stop subsequent fraudulent charges ; ( 3 ) stop overdraft fines ; and ( 4 ) stop fraudulent withdrawals of funds from her savings account to cover fraudulent overdrafts. Additionally, no one at the bank was willing or able to provide contact information for the consumer protection complaint I wished to file with government regulatory agencies, which again seems highly unprofessional and inconsistent with the intent of federal consumer protection law. 

Failure to notify us and also to stop fraudulent charges after an initial instance of fraud is well below the standard of practice for credit card companies. I believe that fraud prevention systems and practices should be even more responsive for debit cards given that the funds are immediately withdrawn from accounts. I am submitting this complaint because I believe Wells Fargo has an obligation to improve its fraud detection systems and staffing so that consumers receive same-day notice of suspect debit card fraud. Additionally, I believe that all banks ( not just Wells Fargo ) should be obligated to provide ( upon request ) accurate and timely information about government agencies established for consumer protection and to receive consumer complaints.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Problems caused by my funds being low

Complaint: Their over draft fees when I deposit my checks money is In my account pnc charges XXXX $ over draft fees and XXXX $ a day thes over draft fees r killing people specialy the XXXX or the XXXX. This is a shame something needs to be done this can go on we r on a fixed in come thes fee need to be aballished. We have bills to pay food to by and R meds please we need help

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/15/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Director XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX, XXXX XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX ; This is XXXX XXXX 's SECOND response to following SPS compliant responses : I suspect that I would not be in default of my mortgage today if XXXX XXXX XXXX had execute a market principal reduction in engineering my XXXX modification. 

I need a review of what maximum principal reduction that have been in XX/XX/XXXX. I received no principal reduction in XX/XX/XXXX. Why did n't I receive a principal reduction in XX/XX/XXXX when the house was on the market and would not sale? Why have a had to pay a mortgage based on an above market value for 8 years? We should have sold the house short in XX/XX/XXXX for {$650000.00} or modified the house for XX/XX/XXXX. 

SPS appears to lack the capacity of willingness to remedy this situation. I was defrauded by XXXX at the origination and manipulated into an uneconomic modification by XXXX XXXX XXXX. 

The original Mortgage would not have been underwritten if the fact that the taxes were higher than the P & I. This was also compounded by including XXXX-XXXX mortgages. 
I have resolved the XXXX-XXXX mortgages. XXXX from XXXX and XXXX from XXXX. 
I was living in XXXX XXXX at the time. 

The XX/XX/XXXX modification by XXXX XXXX XXXX did not offer a market principal reduction And once again did not disclose the uneconomic engineering of the mortgage. That is that the P & I was lower than taxes. Please review the attached proposal from SPS HAMP competition. 

Recommendations : I receive my original down payment of {$200000.00} plus interest. 
I receive {$200000.00} second mortgages payoffs. Plus interest. 

Sincerely, XXXX XXXX, 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 01/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This is in reference to XXXX Account # XXXX that was recently charged off due to late payments. My grandmother was XXXX, her name is XXXX XXXX - due to her illness, I had not choice but to quit my job and take care of her. I am back on my feet now, I settled all my debt, but unfortunately I did it on bad terms that are now haunting my credit history. Please help me remove the derogatory items from my credit report as was promised to me by the representative from the charge off company that took my payment and promised that my credit will now be fixed and the derogatory item should no longer show up as late. I am a young professional, and it 's very difficult for me to get a job or one day get a house because everyone is looking at credit reports these days.

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 03/13/2017 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Navient agent XXXX has been calling my neighbors and my wife 's work after we have told them repeatedly to stop. We have told them repeatedly to stop calling her work and our neighbors but they continue. They say they will take the number out of their system, but we have voicemail proof they still call.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Mortgage (Conventional fixed mortgage) with Podium Mortgage Capital LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I setup a payment online as I made previous payments on time with no problem. This was on XXXX I recently changed my Checking account number due to a car theft ( check book was inside car ). Went online and made ( so I thought ) payment scheduled for XX/XX/XXXX. one week later I noticed nothing was deducted out of my checking account, so I called back and they said it would take 10 - 12 business days even though I made them before and it took about 48 hours to process. The Customer service representative insisted nothing was wrong. Only to find out when I returned from vacation to find a late payment notice and an additional {$34.00} plus a {$25.00} submitting fee would be added to my account. I called back and the agent said they could not reverse the late charge due to not having a 12 month reporting history on my payments! THEY JUST BOUGHT MY LOAN, THIS WOULD NOT BE POSSIBLE!! I would like this removed from my account because I even followed up with them before the payment Due date and they did not want me to make a payment since one was processing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/31/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I emailed, I called, I went into the branch and spoke with the manager who gave me XXXX XXXX from XXXX XXXX ; XXXXXXXXXXXX & gt ; to have get my checking accounts, credit cards, and any other statements since 2008. I have been emailing for 3 weeks and today called. I asked for a manager to contact me. I would like all bank statements since 2008. Wells Fargo has robbed me of XXXX in overdraft fees. When asked for a letter from the institution that does direct deposit saying it was their fault why deposit late, I got it. They still robbed me and laughed. The bank robs their customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Trouble during payment process

Complaint: On multiple occasions beginning on XXXX XXXX XXXX I have requested that Freedom Mortgage pay my full property tax bill. They have not done this despite several phone calls and emails. There is sufficient balance in the account to pay the bill but Freedom Mortgage will not pay them because of an internal email advising customers reps to tell clients they can not do this without a valid tax bill however the a valid tax bill has been provided several time. This was told to me by XXXX XXXX ID 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 10-12-2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I wish to pay down on my mortgage so that I can get below the 80 % to remove pmi insurance and _escrow. Before I am allowed to do this I have to pay {$500.00} and have the home revalued. I told them all I want to do is pay them {$30000.00} and their response was that without the assessment the pmi and escrow charges will not be removed, and it will cost me {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was going through a modification I completed all steps.I received final document and I had questions concerning documents regarding names on documents.They transferred my case to another department and was acts to provide a copy of my divorce decree from my ex-husband who I divorced back in XXXX and a copy of a quit claim deed.I provided her with those items.I was then told that my divorce decree had to say I was awarded the house.I originally told XXXX my point of contact that my divorce decree did not say .I informed her that it was n't until XXXX that my ex-husband signed the quit claim deed.I informed her that I documents from the appeals court of California stating that the house belong to me.I faxed them over to her and couple of days later I receive a letter stating I was dropped from modification review because I did not send modification paperwork .Not one time did my new point of contact mention the old modification paperwork and when I called my old point of contact I was told she was no longer handling my case.I feel that my point of contact did poor job in handling my case and that I was treated unfairly.I would like for Wells Fargo to reopen my modification review and also bring my mortgage current .I was told that payments was not do until XXXX because I was approved as long as I completed the trail period.I completed the trail period ahead of time. Wells Fargo was incompetent in approving my modification and they have caused me a financial hardship.

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 02/16/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I am a XXXX-year old retired male living with my XXXX-year-old wife in XXXX, Virginia. Since XXXX XXXX we, as joint owners, have been faithfully paying a 30-year mortgage loan with Bank of America ( BOA ) Home Loans, which acquired Countrywide Home Loans in XXXX. Currently the principal balance is {$77000.00}. During the course of the mortgage we have had several issues with BOA concerning the escrow account ( taxes & insurance ), which monies are paid to BOA from our total monthly mortgage payment of {$900.00}. Currently the monthly escrow amount is {$140.00}. 

In XXXX our then-monthly mortgage payment of {$1100.00} was reduced nearly $ XXXX/month, largely due to a reduction of our XXXX XXXX County property/real estate taxes under the county 's Tax Relief Program for XXXX and XXXX Persons. Also, in XXXX XXXX, BOA sent us a check for {$2300.00} for " escrow overage. '' However, this month, XXXX, XXXX, BOA sent us an Escrow Account Review statement in which BOA established a new monthly escrow payment of {$280.00}. No stated reason for the increase, however the statement applied ( added ) our annual county taxes of {$990.00} TWICE. We do not know why BOA sees fit to increase our escrow payments or why our county taxes are applied twice. However, BOA sends to us about twice a month offers to refinance our mortgage. Which we do not want, especially because our monthly mortgage payment is more manageable due to the county tax reductions. 

We are left to think that, perhaps, BOA is attempting to recoup the escrow overage check money by increasing our escrow monies owed, in addition to to pestering us to refinance, which we believe would be far more beneficial to BOA than to us, especially since our principal payments are now reducing the total amount owed on a par with the interest charges. 

As things stand now, we consider BOA 's escrow increase to be arbitrary and without merit and wish clarification of BOA 's intentions under its Escrow Account Review.

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 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/2018, I learned via an alert from XXXX   XXXX XXXX that a credit inquiry was made by citi bank. I have not applied for any credit with that organization. As soon as I learned of this unauthorized inquiry I immediately placed a fraud alert with XXXX, XXXX and XXXX. Since I have not applied for credit with them I requested that they remove the inquiry and any future application for credit under my information be verified first. Since this was not initiated by me they are not legally entitled to make an inquiry. I request that they contact the concerned credit bureau ( s ) and remove the unauthorized inquiry immediately, under the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 09/15/2015 about Debt collection (Credit card) with Central Portfolio Control Inc. (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A representative from Central Portfolio Control contacted XXXX relatives regarding an account in my name. 1. They contacted my daugther by phone, shared information with her about the account, and attempted to set up payment arrangements. 2. They also contacted my son-in-law about the same debt. During the phone call to my daughter 's husband, the representative shared information about the debt such as the asserted balance owed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation