milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I obtained my annual credit report XX/XX/XXXX. Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XX/XX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXX-store cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX  was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? PLEASE HELP! _____________________________________________

Auto Dealers? XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX Citizens One XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
_____________________________________________ XXXX XXXX   XXXX  XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX   XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX   XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMO HARRIS BANK NATIONAL ASSOCIATION (WI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Shows my account at same state even when my account has more

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 11/22/2017 about Payday loan, title loan, or personal loan (Title loan) with FIFTH THIRD FINANCIAL CORPORATION (AL).
Issue: Struggling to pay your loan

Complaint: We have a loan for a vehicle that we have been attempting to make the payments on, and we continually receive calls, even after payments have been made. On XX/XX/XXXX, we made a payment of {$4000.00} of the {$12000.00} remaining balance. We had a past due balance of {$1000.00}, which would have been plenty to cover the past due amount. At XXXX XXXX on XXXX/XXXX/XXXX, I received a call from Fifth Third Bank employee stating she was calling regarding the past due amount. When I said she needed to check my account, as I made a payment last night, she stated that they can not check the accounts before the calls are made. She also stated that the only way to stop the calls would be to contact the bank when we make a payment, or make the payment early. I feel this harassment has to be checked into, as I feel that is not right nor fair to me to have to explain to the bank that I made a payment when they have access and can check their system before calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/19/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (OR).
Issue: Managing the loan or lease

Complaint: On the contract that was signed it has a annual percentage rate of XXXX, amount financed of {$18000.00}, 72 monthly payments at {$510.00} each, and total finance charges of {$18000.00}. Upon trying to do an amorization schedule I discovered that the annual percentage rate being charged was not XXXX but was actually XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Bank account or service (Checking account) with COMMERCE BANK (MO).
Issue: Using a debit or ATM card

Complaint: Our car was stolen with my wallet in it. It had my debit/credit card. The thief used the card via debit several places before we discovered car gone charging XXXX at several stores. Our bank investigator was hateful and denied charges. We reported it stolen with a few hours. The bank denied us and said they wont give us out money back, None of it. Commerce Bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX I refinanced my home loan. New loan of {$320000.00}. There was another loan of {$170000.00} but they did not pay this loan off. Thus from the first day we refinanced the property it was upside down. House then was worth {$360000.00}. With a loan of {$320000.00} plus another of {$170000.00} = {$490000.00} XXXX to Wachovia to Wells Fargo. 
In XXXX. the second which was {$320000.00} was falsly suboridated making it the first place loan. Thus we have never had a house worth less than our original loan.

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 04/23/2015 about Credit card () with SYNCHRONY FINANCIAL (MS).
Issue: Credit line increase/decrease

Complaint: The credit card company with J C Penny ran a credit check without my consent. As a result my credit line was reduced. I pay this company every month with no late fees and on time. I have been a loyal customer with this company for years. I considered this to be an unfair act toward myself. Please help in resolving this matter. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (DE).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In XX/XX/2016, I was moving into a new home and starting a new job. I called fedloanservicing extremely concerned that my credit would be effected as I 'd believed I had n't made a payment on time. The employee on the phone told me not to worry and specifically positioned to me that not only was I on time, but that I could actually make my single monthly payment every three months without them being considered delinquent or negatively impacting my credit score. As I was taking on some new expenses during this transitional period and based on this new information that the employee gave me - I decided there and then on the phone that I would start make my monthly payment every three months. I wanted reassurance and a guarantee from her that this would not effect my credit at all and she told me so long as I was n't outside of three months I would be fine and that even then, it would be considered a single late payment. 
I felt so relieved ... little did I know was that nearly none of what she told me was true. Fast forward to today and I see that my good credit of around XXXX was utterly decapitated and is now under XXXX. I received no attempt at communication or warning that my account was delinquent nor in danger of having my credit damaged. 5 years of consistently on time payments and even additional payments from tax returns to help further chip away at my debt and my trust in one their employees ruins everything I 've worked for. I called fedloanservicing immediately upon finding out they 'd reported me for a whopping 10 late payments and explained my situation. This time the employee on the phone could have cared less about my situation and explained there was nothing they could do to fix my credit score. When I asked to speak to a manager they said there would n't be anything they could do either ... I XXXX fedloanservicing afterwards and saw nothing but the absolute worst professional reviews for them pop up on the first page of results. 
Do n't trust anything their employees tell you! Make your payments on time and do not stray from original payment plan you set up - if you can avoid fedloanservicing, do so as if they have the plague!

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Debt collection (Other debt) with Professional Debt Mediation, Inc. (HI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Received a notice of the debt in XXXX with no other validation. After my research I have discovered that this entity is not authorized in the state of XXXX to collect a debt, as they are not licensed or bonded by state guidelines.

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 03/15/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX : XXXX XXXX XXXX, XXXX Account # XXXX I sent a register letter to XXXX XXXX XXXX, XXXX requesting validation of debt for their account # XXXX on XXXX/XXXX/XXXX. 
They failed to provide the information I requested. Instead, sent letter dated XXXX XXXX, XXXX requesting that I provide : " specific information that I was disputing and an explanation of the basis of my dispute ''. They also stated that they would write to me again in XXXX in regards to my dispute. 
After not hearing from them, a second registered letter on XXXX XXXX, XXXX requesting " validation ''. Again they failed to provide the information that I had requested. Instead the sent letter dated XXXX XXXX, XXXX requesting that I provide them with " specific information that you are disputing and an explanation of the basis of your request ''. 
I used a template found on the CFPB site to dispute this collection account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since this collection agency failed to properly validate and send me everything that the CFPB says I can request.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (VA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied to  TD Bank N/A o n or about    XXXX   XXXX   XXXX   for th eir   XXXX   XXXX   XXXX   XXXX   XXXX  since I have an   XXXX   XXXX   accounts. Attempted to contact them several times between  XXXX   XXXX  and    XXXX   XXXX   XXXX  . I  was able to get an recording that my application was denied. A few times I tried to reach an representative I was disconnected. I still as of toda y,   XXXX   XXXX   XXXX   h ave not received an official letter stating I was declined and as to why I was denied. This is a major violation of banking rules and regulations. I have an right as an consumer to know why I was denied. As an result of this I will be filing an BBB and Attorney General complaints as well! I have an right to legally know and receive an letter! My address is still the same as listed on the application and listed in this complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (Auto) with CCS Financial Services, Inc. (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This collection agency XXXX sent my fiance ' the letter advising of her debt to XXXX XXXX XXXX XXXX, upon which she has disputed. We faxed her dispute letter directly to this agency on XX/XX/2015 requesting to validate the debt. We received another statement on XX/XX/2015 threatening credit reporting actions against her if she did not pay in full and did not send validation of the debt. This violates the right to dispute and is also considered overshadowing.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (Medical) with Seattle Service Bureau, Inc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hello, I am disputing this bill because it was never submitted to my XXXX Insurance Provider. Instead, they are billing me in full. I have contacted their Billing Representative on several occasions and each time she said she would process the bill and send it to my carrier. This has yet to happen. She also explained that this is an error on their end and that she would fix the issue. They have all of my provider information but they have not processed it. This has been going on for over XXXX years now and they have yet to resolve the complaint. I want this removed from my credit report immediately and my insurance carrier needs to be charged for the outstanding balance. Once this has been done, I will be happy to pay my portion of the bill. Each time I contacted the Billing Manager she said that is what they would do. Again, please remove this from my credit report immediately as this is their billing error not mine.

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. (MA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Ive been unable to receive my free annual credit report from XXXX and Equifax for the past two days ( XXXX ). When ordering online through XXXX or the company Web sites, each attempt returns an error message stating technical difficulties ( XXXX ) or the site can not be reached ( Equifax ). Also, neither company seems to provide a contact phone number for customer service or technical support on its Web site. The inability of customers like me to receive our credit reports, as allowed by law, in a timely way, combined with the lack of timely customer service on the part of these companies, is unacceptable. It is especially so, given the recent Equifax data breach and the subsequent need for consumers to act now to protect their identities, including by reviewing their credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (GA).
Issue: Fraud or scam

Complaint: I own a small business and made a purchase with a manufacturer in XXXX. I made the payment through Western Union and the funds were deposited into the Bank of XXXX, the recipient 's companies bank account. Since the funds were released I have not heard from the company and or their representative. Communication was done via email. I sent several emails with no response. I was purchasing ditial pictures frames and memory cards with plastic case.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a home a little over a year ago for XXXX and have paid it down to {$41000.00} balance during that time. I requested to have my PMI dropped and i received a letter stating that my current LTV is XXXX percent. And it outlines a series of costly measures that i need to take including an appraisal which costs around XXXX done exclusively by XXXX of their service providers. I got an appraisal to purchase the home just a year ago that surely should suffice. I spoke to someone at Caliber on XXXX/XXXX/17 and although she was pleasant, the only thing she did was quote policy. I told her that the federal guidelines state that at XXXX percent LTV that the PMI must be dropped. I know that they need to protect their investments but mine is not an everyday situation and it think that common sense should at least sometimes outweigh policy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2016 about Debt collection (Payday loan) with BlueChip Financial (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: have tried to settle with them and they wont except what I can afford so the threaten to take legal action and keep calling when I asked them to stop. when I did get a nicer person then someone jumped in on the line and yelled at me about the debt and told me that they will take legal action yet they wont work with what I can pay to resolve this

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Mortgage (Conventional fixed mortgage) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I have being paying extra principal only payments and they have been being applied correctly. I have spoken to Huntington National Bank and have not received any return phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX I called my mortgage company ( Nationstar ) to modify my loan as my interest rate was at 5.75 %. I submitted my financials and required documentation waiting to hear if approved for the modification. On XXXX XXXX I XXXX and I called the mortgage company to inform them of the change in circumstances. I was told not to worry about it. I was not offered the XXXX program of forbearance or payment reduction. I was finally approved to the modification ( or so I thought ) and closed XX/XX/XXXX, still XXXX at this time. I was rushed through the closing and when I had time to review the paper work a refinance was processed with closing costs of {$8200.00}! On top of that my rate was reduced by less than .50 %. 
My XXXX ran out in XX/XX/XXXX. I was unable to make payments and I called to see if there was anything I could do. I was told at that time about the XXXX forbearance but I was not eligible because my XXXX ran out. 
I started working again on XXXX XXXX and had signed a 150 day letter to cure expiring on XX/XX/XXXX. I was told to cure i would need to make XXXX payments {$8800.00}. I was in constant contact with loss mitigation XXXX XXXX and I told him I would have the payment on XXXX XXXX. I continued to call and have various representatives note I would Pay on the XXXX. When i called XXXX on the XXXX to make the payment I was told I was referred to foreclosure on XXXX and nothing could be done unless i paid over XXXX. They would not accept payment and as of today I have not received a notice of foreclosure. 
I can not apply for a modification until XXXX XXXX 1 year after the re-fi. my target sale date is XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2016 about Debt collection (I do not know) with R.A.Rogers, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked RA Rogers Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (SC).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: Enroll in saving program of Netspend full-out direct deposit form was email receipt of deposit tried to check balance and have receipt of no balance negative XXXX on receipt but bot deposit available balance shows up in account XXXX routing XXXX XXXX XXXX XXXX expiration date XXXX CVS XXXX registered with XXXX card ending XXXX XXXX. XXXX balance FDIC insurance company

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 07/25/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On or abou t J  XXXX   XXXX  , 2017, I checked  my credit report and there 's a debt for Portfolio Recovery,     XXXX   XXXX   XXXX   ,   XXXX   XXXX ,  XXXX , VA  XXXX  in the amount of {$1500.00}, original creditor is listed as  XXXX  ( I assume it 's for  XXXX   XXXX   XXXX   ), whic h I thought was charged off.     The problem is, I have NEVER received anything from this collection agency. I 'm in the process of disputing with  XXXX  and  XXXX . Are n't they supposed to contact me prior to just placing a collections on my credit report?

Company response to consumer: Closed with explanation