milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUMMIT FINANCIAL CORP (GA).
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: I previously had an auto loan through  Summit  financial opened in  XXXX . In  XX/XX/XXXX of  XXXX  I was in an automobile accident, the other driver was at fault, she was cited for running the red light and speeding. Her insurance company paid over {$8000.00} off on the car because it was a total loss. I had purchased GAP insurance with the vehicle and the cost of that product was built into my loan agreement, original dealership was  XXXX   XXXX  Signature of  XXXX , GA. After her insurance company paid, that left me with a lingering balance of about {$1300.00}, which the gap insurance I paid for was supposed to cover. The account was then to be paid in full and closed. Instead, they opted NOT to apply my gap insurance, an NOT to reimburse me for paying for a feature they would not allow me to use. The account is still open, and accumulating more fees since  XXXX . The current amount they have me owing now is {$2100.00}. This has been adversely affecting my credit with all three agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (CO).
Issue: Application, originator, mortgage broker

Complaint: I applied for a mortgage for a refinance on a second home from Quicken Loans in XXXX of 2016. As part of the process Quicken asks for a good faith deposit, in my case {$500.00}. The first issue I ran into with Quicken was them not being able to obtain an appraiser before the rate lock expiration. They told me they would extend it, which they did, but then another issue came up. They apparently had a problem with the classification of my home and decided that it had to be placed in in a riskier classification, increasing my closing costs. We discussed the matter several times and finally reached an agreement on the closing costs. A couple of days before the second rate lock expired I contacted them to see why the loan had still not closed and was told that they working on it. Sure enough the rate lock was missed again. I checked my account and sure enough they had sent a new redisclosure letter with an increased rate. Considering what I had been through already I asked to be withdrawn from the loan and a refund of my deposit. After not hearing from them for a week I called to see what was happening to the deposit. I was told that they were allowed to deduct fees from that deposit and was informed the appraisal was approximately $ XXXX so no refund would be coming. I asked for the invoice on the appraisal and imagine my surprise when the invoice showed XXXX {$500.00} not the ~ {$700.00} I was told over the phone. Given the fact they raised my price on the loan twice, because they could n't close on time, and apparently were less than truthful about the cost of the appraisal I believe that some amount of the deposit is due back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (I do not know) with National Credit Systems,Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I checked my credit with all 3 credit bureaus and this debt is not mines. I have never lived at the address that the company is trying to collect on me. This debt is very damaging to my credit and I have no knowledge of this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Debt collection (Payday loan debt) with Advance America, Cash Advance Centers, Inc. (NV).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: Received a loan form Advance America.

Never received any type of collection notifaction 's just treating phone calls about them wanting to sue me. I have received any type of collection letter for the right to dispute or or contact information, never received any type of phone calls about my debt. The only phone call that I have received was from a processor about them suing me for pay off the debt i was never notified about.

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 05/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I obtained cellular service from XXXX in 2014 ( Account XXXX. XXXX ) ; however, it did not work at my location. We spoke with XXXX employees that told us we could get a refund ( see attached ). We were then sent notices ( and continue to do so ) from various collection agencies ( XXXX and XXXX and most recently Diversified Consultants. XXXX XXXX XXXX ). We have sent the first XXXX copies of all correspondence and never heard from them again. Now we get the same notice form Diversified Consultants , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I purchase a XXXX XXXX from XXXX XXXX in XXXX mass I had a trade in I was told I was approved and the loan was for 48 months I signed all the paperwork took delivery and the next day I was asked to resign I had to resign 3-4 times all electronically and never was shown or received paper work the only time I was showed the paper work was the first time come to find out they changed the term to 84 I contacted the dealer and the sales manger was terminated. I have also contacted XXXX  XXXX XXXX and told them I had electronically signed the key pad at the dealer and it was a bad loan and I never received a contracts or documents. I was told there was nothing they could do from there I told them to come get there car due to the pad note they had me sign my credit report is now showing a charge off I am going to try this route first before filing through the courts I would like to see this off my credit seeing I did n't have it more than 45 days it also took XXXX XXXX XXXX almost 9 months to locate the car in which I told them I dropped it off right after I seening the fraudulent 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 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Public Records-State Tax Lien XXXX County Circuit Identification Number # XXXXDate Filed : XX/2017 Claim Amount {$8800.00}. This information should not be reporting on my credit report due to XXXX 2017 CRA credit reporting guidelines that any public record must contact DOB and SSN ; this public record lacks this information and should be deleted from my XXXX XXXX/Experian/XXXX credit report immediately. See Attached document as documentation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: Today after spoke XXXX XXXX ( claims representative ) who refused to provide his ID #. Advised me that i will have to resolve the claim on my own because they have decided to closed the case bec Well Fargo felt that was my fault for not stooping the payment. I told him that i have a text message with a confirmation that my payment was confirmed and modify on XXXX XXXX 3 days before the transactions hit my account. Representative " XXXX " wanted to take over the conversation and continue talking and did not let me speak then after we both agreed to conferance a call with XXXX to confirmed my claim and while i was waiting for XXXX to conference call. The representative put me on hold and " disclosed my personal information without my consent which is a VIOLATION of my provacy right " instead of waiting for me to OK. and gave my info. We got on the phone the three of us and yes XXXX representative confirmed that the error was done on " XXXX part " they will do what they need to do to reverse the transaction and possible credit my account. 


This statatement contradics everything what Wells fargo said to me I was told that my claim was declined because XXXX was their right to collect a payment for {$130.00} ( NOT TRUE ). I believe my bank rejected a VALID claim to prefit from NSF fees and other added fees. 

2- Rep should never release any personal information without my consent a violation of my privacy rights. 

3- well Fargo still with same issues and with HUGE custumer services reps that dont know how to handle issues and or call resolutions

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was affected in the XXXX 2017 Equifax data breach. My information about my entire adult credit history with stolen. It is ridiculous in this day and age that these attacks are allowed to be perpetrated against an organisation so large in the United States. It is absolutely unacceptable that an organization basically run and condoned by the federal government has allowed such an attack to happen against American citizens. 

Americans do not have a choice in this matter, there is no third-party service that we can go through for reporting our credit and storing our information. This has caused basically the entire adult population of the United States to be at risk for identity theft, and has caused undue stress trying to jump through hoops to prevent issues in the future with stolen identities. 

On top of this issue already being severe, the three credit reporting agencies are trying to charge people to place a credit freeze and protect their information that they allowed to be breached. 

This situation is unacceptable and the United States government needs to step in and protect all of our identities and information in this day and age of Technology. The companies responsible need to be punished severely, and the people affected need to be reimbursed appropriately for their time, effort, and damages. 

I am in the process of freezing my credit reports with all three bureaus, trying to place an extended fraud alert on my credit, and also trying to file a police report for the identity theft. Hopefully if these are successful, I will not have to worry any further. But if not I expect to be reimbursed by either the company or the government for all damages I have incurred personally, financially, and otherwise. I expect to not be responsible for any fraudulent activity using my credit, and be rewarded damages for my financial losses and personal losses such as time, expenses Etc ... 

This is absolutely not okay and future legislation, rules, and regulations need to be set in place along with very stringent security standards for our information.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Bank of America allowed a credit card account to be opened back in 2004 using my son 's social security number. My son was only XXXX at the time and it has been open for 12 years now. Last week we went to our local Bank of America branch to open a checking account in his name and the personal banker informed us that his social security number was already being used on an existing Bank of America account. The personal banker said he would investigate and get back to us. We never heard anything back from Bank of America and had to call today in order to get more details. This is when we learned the account has been opened for 12 years and it was still active. Beyond this they have offered no additional help. How can they have done their Customer Due Diligence and Know Your Customer procedures when they allow an account to be opened with a child 's social security number? Furthermore, they have offered no additional assistance or details in getting this issue resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2017 about Debt collection (Federal student loan) with Navient Solutions, LLC. (VT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have spoken to Pioneer collections twice since XXXX 2016 yet they have been continually called my family members, friends and past employers to gain my contact info. I own my own business and to have them call people who I 've worked with is hurting my future business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I tried to utilize the governments " Loan modification '' program with GreenTree. I kept giving them the same documents, when asked for, without any resolution. They just kept " stringing '' me along! I then tried to sell my farm but the market dropped and I was in an upside down mtg. I then tried for a short sale & had offers. My XXXX mtg company accepted the offers however my XXXX mtg, GT, refused to accept the offers. Because of them I had to allow the XXXX mtg to foreclose. Now 4 years later GT is suing me for the full XXXX mtg loan plus interest and collection/court fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have a home loan with Chase and for some reason I think they do unfair things with the owner of the house. I asked a questions about a bill I received regarding my property in California and was told they would check it out and get back with me yet they paid the bill and to this date if I had not looked at my account on line I would have not known that they were increasing my mortgage payment. They keep charging me an extra {$15.00} and for what reason I do n't know. I have received money back for them during things that were not fair but it was added to my loan. I have asked for an audit but for some reason they do n't do one, they send you information with a lot of number to where they are the only one who understand they. I have also tried to get my daughter name added to my account and we went through XXXX, because they did n't know what to tell us or what was needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/28/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experien never initially followed proper investigation. 
This is after my wife and i applied home equity and as loan was ready to close with XXXX loan # also we applied. XXXX. Line of credit with pffcu denied all denied to experien XXXX XXXX updateing my file as a short sale. How is this short sale? Answers please

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 06/30/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: transworld systems inc. sent me a letter saying i owe {$1000.00}. the account is closed and settled for {$1600.00} and was given for XXXX XXXX XXXX XXXX XXXX XXXX.. creditors acct # XXXX transworld acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (AR).
Issue: Credit decision / Underwriting

Complaint: XX/XX/XXXX I reported that Carrington Mortgage placed on my credit report that my mortgage loan ( XXXX ) was discharged under bankruptcy. I stated and explained to XXXX XXXX, Customer Advocate for Carrington MS , that my mortgage with them was never placed under chXXXX or any other bankruptcy relief. We spoke on the phone and she said that this information will be taken off. When I later checked it had been corrected. Today, XXXX XXXX, XXXX, I was looking at my report and see that this bankruptcy discharge information has been placed back on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I am constantly getting collection calls from Portfolio Recovery. I have never dealt with this company. I got an automated call on X/XX/17 and two on X/XX/17 as well as numerous previous calls. I have told them I am on the Do Not Call List and to stop calling me but they are continuing to do so. I am a XXXX senior and this is harrassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX is reporting a debt from XX/XX/2013. It is not my debt. The original creditor refuses to furnish written proof that it 's my account. They have stated that all correspondences were returned, but Penn Credit is saying no mail was returned. I was never contacted regarding this debt before it was placed on my credit report. Other bureaus have removed the account XXXX refuses to remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Debt collection (Medical) with Credit Bureau Collection Services, Inc. (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: RE : Account number CBCS - XXXX Dear CFPB, Please accept this letter as a formal complaint against XXXX Hospital and their 3rd party collection company, Called CBCS. Please know that I have attempted to straighten this out with XXXX Hospital and CBCS several times with no results. 

My complaint is as follows, In XXXX 2015, I made XXXX payments to XXXX Hospital as noted below. Proof of all payments is attached XXXX XXXX, 2015, made payment of XXXX. This electronic payment from my XXXX account was made too XXXX hospital, who transferred the money to CBCS. Payment was cashed on XXXX/XXXX/15 BUT NOT APPLIED TO MY ACCOUNT. 

XXXX XXXX, 2015, Payment of XXXX hard copy check # XXXX. This was cashed and applied to my CBCS account on XX/XX/2015 XXXX XXXX, 2015 Payment of XXXX hard copy check # XXXX, this was cashed and applied to my XXXX Account on XXXX/XXXX/15 XXXX XXXX, 2015, Electronic XXXX payment of XXXX was made to XXXX who transferred the money to CBCS. This payment was cashed and applied to my CBCS account on XXXX I have requested a statement from CBCS of my account and all transactions, they refuse to send it to me. 

I have filed a dispute with CBCS and their investigation deemed that they did post my payment to my account. However, my account balance is not showing that this was done. 

NOTE- This is the 2nd time in a year that XXXX and CBCS has lost my electronic H., XXXX payments. 

Please assist me in getting this matter resolved and my lost money found along with an apology from XXXX and CBCS. 

Respectfully XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax continues to incorrectly report an old Chapter XXXX Bankruptcy filing even though it is now nearly 10 yrs old and Chapter XXXX Bankruptcies are to be removed after 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Debt collection (I do not know) with Resurgent Capital Services L.P. (WI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I go to see how much my paycheck was on XXXX/XXXX/15 and noticed a garnishment from my check!?? I had no idea what it was for. I found that I was taken to court, under my previously married name ( I 'm now divorced & remarried ). What a surprise, I was never notified! They had the wrong address, even in the court record events it was noted " unclaimed/undelivered mail-not deliverable as addressed, does not live here. '' Apparently I do n't have the right to be informed, they just proceed with a hearing anyway?! A judgement was entered for {$1000.00}. I have no idea what it 's for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/13/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (RI).
Issue: Advertising and marketing

Complaint: Bank of America has a section on its website where you can " check for customized offers. '' I did and based on the wording, the website made it seem as though the bank was pre-qualifying me for a credit card, and with this confidence I applied and was denied adding a hard inquiry into my credit report. The wording for the " check customized offers '' section makes it seem as if consumers searching for credit are pre-qualified for the credit cards listed because one is not able to see the credit cards until entering information such as name, social security number, date of birth etc. This is very misleading for consumers and costing them a hard inquiry which then affects their credit score! Bank of America must stop this misleading practice, essentially billing a " customized offer '' as a pre-qualification offer of sorts.

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