milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX, BSI Financial obtained my loan from XXXX. I 've been trying to get a detailed explanation of the charges of Principal, Interest, Charges, Fees and Penalties in a month-by-month breakdown since XX/XX/XXXX. All I receive are " Payment Histories '' and " Reinstatement Quotes ''. 

I feel my account has been shuffled from XXXX XXXX XXXX XXXX XXXX to BSI because none want to come to a reasonable agreement with me, and continue to add more and more charges and fees to my account. 

Please see the attached letter : Exhibits will follow by USPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I 've had my mortgage since XX/XX/XXXX and I 've never been late. I have automatic debit on my bank account from Ditech. On XX/XX/XXXX the funds were n't available for some reason and I called them several times to charge my debit which they said they were going to do but apparently they never did. Since they do n't bank a physical bank in XXXX I could n't do much and sent the payment because they never charge my bank account and I was going to be late. Anyways they said I was n't going to have a 30 days late they even returned my late fees and everything but on my credit report appears to be 30 days late which is affecting my credit which i take care of. I just want my credit to be clean and is unfair what they did.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (PR).
Issue: Account opening, closing, or management

Complaint: NET SPEND HAD XXXX OPEN ACCOUNTS OF ME. DID NOT NOTIFIED ME AND IT AFFECTED MY CREDIT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a federal tax lien reporting on my account credit report. XXXX. This item was disputed on XXXX XXXX and without doing any investigation, Equifax came back on XXXX XXXX updating the lien to released which is n't true. We disputed the same item with XXXX and the item was deleted off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: US Bank National Association initiated foreclosure proceedings via Publication within 13 days after I received the final paperwork for the Hemp Modification from the Loan Servicer after passing the trial period for the payments cashed and kept the fourth mortgage payment while according to US Bank the account was in default.That payment was not applied to the mortgage instead my online account was deleted.US Bank offered me a XXXX Dollar bribe if I no longer would proceed.I have Senator XXXX involved.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: TransUnion File # XXXX Request to remove inquiries XXXX XXXX & XXXX to match the information on my XXXX credit-report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I open a gym account and a few weeks later got in a XXXX and never went into the gym.told owner and she said she would cancel my contract since I never even went once

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit card () with NETSPEND CORPORATION (TX).
Issue: Transaction issue

Complaint: Was overcharged for a hotel stay on XX/XX/XXXX and have asked for the overcharge of XXXX be credited back to my account. I have provided documentation proving that there was an overcharge and have gone back and forth with Netspend Dispute Resolution Dept for months now without any response or correction of said charges ( see attached information for details ) I am looking for resolution for CLAIM # XXXX - that I have sent numerous requests dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and I get the textbook response that I would be contacted within two business days regarding this claim ... and have yet to hear back from NetSpend regarding this issue..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Vehicle loan or lease (Loan) with Global Lending Services LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/2017 a payment in the amount of XXXX was paid to the account that was never posted to the account. The balance was then reported as over 30 days late with all three credit bureaus. After speaking with several customer service agents and providing proof that the payment was made Global lending services still refuses to remove the late payment from my credit repprts.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have been requesting verification of the following account that TransUnion continues to report on my credit file : I contacted the Bankruptcy court and was made aware they do not verify any Bankruptcy cases. I have provided evidence that the cases do not belong to me as my son has my name also. I demand that this public record Bankruptcy is removed due to lack of verification and inaccurate reporting of verification date! I have repeatedly requested tangible documentation whether electronically or hard copies and TransUnion has yet to verify. All they send is Verified on my report but do n't list any names or address on how this is verified and then state they will not dispute this anymore. I demand that this unverified account : Bankruptcy is PERMANENTLY DELETED FROM MY CREDIT FILE

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 04/25/2017 about Debt collection (Payday loan debt) with SUN LOAN COMPANY INC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Hello, The following company Su n Loan is  not bonded in the state of TX and legally can not collect debt in TX. Please remove from my credit report.     Please remove from my credit report and debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I contacted Trans Union to dispute information on my Trans Union credit file regarding a XXXX private student loan because of numerous credit reporting errors including misrepresentation the data furnisher is providing Trans Union. I spoke with XXXX at Trans Union ( United States ) on XXXX XXXX. The conversation lasted 50 minutes, and specifically detailed the innaccurate account reporting, description, and status of both XXXX private student loans. 
1 ) .The accounts both report date of first deliquency beginning XXXX and XXXX. The report indicates otherwise as fdate of deliquency XXXX and XXXX. 
2 ) Credit report dated XXXX relfected erroneous account information again. Reported as " Charge-off ''. XXXX XXXX called XXXX customer serivice the same day to verify the account status and XXXX XXXX XXXX verified " not charged off ''. ( See attatched doc # XXXX ) 3 ). The accounts are 18 years old and the payment data history is inaccurate, payment history is over ten years, data furnisher removed all previous payment data ( historical data incorrect ). 
4 ) The account responsibility is incorrect. 
5 ) The account number is not listed. What is listed is my social security number. Education loans are no longer permitted to use social security numbers as account numbers. This is a compliance issue the CFPB and FTC should investigate the use of social security numbers as account numbers on ( educational loans and credit reports ) as it can create a security and privacy issue. 
==================================================================== Violations of Fair Credit Reporting and Truth In lending 12.CFR 10 22.40-43 Furnishers Rule Regulation V Subpart E. ( Request for CFPB Administrative Proceeding ) Trans Union ( CRA ) does not fully comply with furnishers rule and often neglects to use XXXX format during the reporting and investigation process resulting in systematic inaccuracy. The data furnisher continues to supply false and erroneous account information to the credit bureau including payment history, account status, responsibility, and other false or inaccurate information leading to logical inconsistancy. Trans Union does not maintain reasonable procedures in cases of disputed accuracy and willfully ignores disputes, resulting in no correction. Information must be one hundred percent accurate or must be deleted. XXXX XXXX has disputed the account previously under fair credit billing which the data furnisher and CRA has not met FCBA or FCRA rules, in addition data furnisher, or assignee violates other lstate or federal laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have called Equifax, XXXX, and XXXX several times disputing hard inquiries on my report that I have not authorize. Especially Equifax after the breech, since it states that I could be effected by the breech. They state '' that I need to contact the credit companies to have them removed from my credit report ''. I have called the credit companies that pulled my credit and they state " that the three credit bureau has to do the removing ''. So I have called them back and stayed on the phones for hours for the three bureau 's to tell me it 's nothing they can do. These inquiries are on my report without my knowledge and I want removed for its hindering my credit score from working on purchasing my house next year.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Debt collection (I do not know) with Solutions To Portfolios, LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: This call was from the same number that I reported on XXXX/XXXX/15, reference # XXXX. They say I have to call them immediately because I am in trouble because a complaint has been filed against me. They will not identify themselves properly & I have received no such notices in the mail according to Fair Debt Collection Practices Act. They are leaving a different number to call this time ( XXXX ) XXXX XXXX XXXX. But, their caller ID is the same as before ( XXXX ) XXXX XXXX & when I called that number it eventually picked up on a voice mail saying it was STP Management Group. Other complaints against them on the internet. This message was a little less nasty than before when they threatened me with going to jail.

Company public response: Company believes it acted appropriately as authorized by contract or law
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. (MD).
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: Unresolved investigation : I have n't heard from Equifax! 

Equifax reported a tax lien on my credit report that has been vacated by the State of MD Comptroller and the Circuit Court of XXXX XXXX XXXX. 

I provided a copy and Order to Equifax and they have not complied with the order and they have n't removed the Tax Lien, although I provided them the supporting document. 

After receiving supporting documents XXXX and XXXX has removed the Tax lien  from my credit reports as appropriate. 

I am asking that Equifax remove the Tax Lien from my credit report immediately as has been ordered State of MD Comptroller and the Circuit Court of XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/20/2017 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have an outstanding student loan with Navient. It is currently past due and I have explained to them although I acknowledge the debt I can not keep current at this time due to lack of income to cover this as well as mortgage and health insurance. I have told them repeatedly I will catch up as soon as I have more income coming in. They continue to call everyday. 5 robocalls so far today alone

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Mortgage (Other type of mortgage) with PNC Bank N.A. (IL).
Issue: Applying for a mortgage

Complaint: Not sure where to start. But recently we decided to rewrite our loan with a local bank ( XXXX XXXX ) because our PNC loan was sold to XXXX and then XXXX XXXX. 
After going over paper work with this reputable man at XXXX XXXX, we found out that back in XXXX, when we were forced into a foreclosure program ( PLEASE KNOW this wasnt our fault ). 
I ( XXXX XXXX XXXX ) had lost my job like many others. They were saying on the news to contact your mortgage company for some options, to keep or sell your home. 
PNC did a BAD thing ... .they have done this to SO MANY OTHERS ... they put us into foreclosure and we were NEVER behind a single payment. WE HAVE PROOF! 
I have records of EVERYTHING and yet going up against a big business like PNC feels hopeless. Please tell us we can get help! 
As we went to rewrite our current mortgage recently, we found out that PNC had rewritten our loan to a 40 year mortgage to help us out. This we understood. We did not want to leave our home, especially because we did n't HAVE to. But what we recently learned was ... .PNC had taken all our equity put into this home. {$25000.00}!!!!! We have lived in this home since XXXX and we have NOTHING to show for it thanks to PNC!!! 
We are sick!! We do not want this to happen to anyone else. THIS WAS A SCAM. 
As I researched online to see if there are any lawsuits against PNC, I came across SO MANY others that were put into the same scam!! How sad is that??? 
**Please PLEASE help us** ... .this was done unfairly. This was done to us while we were under attack and scared. This was done UNJUSTLY because we were never behind in any payments ... .all we did was ASK what our options were. 
I hope I have given enough information here and I welcome you to call me/us. 
Thank you very much for reading our complaint. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: In XXXX, I opened a Bank of America checking account. In XXXX XXXX, while watching XXXX footage I decided to join the XXXX. After joining, I visited my local branch office in XXXX, XXXX and spoke to a representative. I provided them with my XXXX to show that I was XXXX XXXX XXXX and deploying. I requested and completed paperwork for my checking, savings, and credit cards to be converted to Military accounts. This conversion would have given me specific benefits that save me a lot of money while over seas and banking. Over the many years that have past, I continued using my bank of America products, such as my debit card. As a loyal member, I never second guessed the bank. I simply did n't have the time to check on my statements and was preoccupied with other important issues, within the Military. Worrying about my bank statements was the last thing on my mind. Recently, I was approved to come home ( USA ) and I settled in XXXX. After buying my home and getting married, I had the peace of mind to sit down and review years of financial statements. When I logged in to my bank of America accounts, I was stunned to learn that I did n't have access to more than several months of information. I began looking through the information I had available. I noticed there were so many fees. There were maintenance fees, International Transaction fees, ATM fees from over seas, overdraft protection fees, and it almost seemed as if there were fees for having too many fees. I called the bank and requested my account be closed, after 11 years of membership. I was told by the representative that my account had never been processed to reflect it was a Military account. This failure to complete that process, meant that I did n't receive the benefits of a Military account. The representative quickly reimbursed me for maintenance fees for this month only. I was informed that I should not have been subject to any fees, specifically maintenance fees of unknown amounts ( as the fee price has fluctuated over my tenure as a member ) and transaction fees, as well. Not to mention, she stated that ATM fees should have been waived too. She quickly transferred me to the Military Department. The new representative agreed that the Military accounts have specific benefits which civilian accounts do n't share. But, unlike the first representative he refused to tell me what those benefits might be. Instead, he asked me to wait a few days, while they reviewed the account to determine which benefits they will approve for me. I was appalled, as the benefits should be what they are, despite the current status of my account. I felt as though they wanted to review what their liability was and then pick and choose what they will reimburse me for. I asked that he explain the benefits and he continued to refuse.

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 08/29/2016 about Credit card () with DISCOVER BANK (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was a victim of Identity Theft. Someone opened a Discover Card using my personal information ( probably a family member ). This is showing on my credit report and ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX XXXX is submitting a report to the credit bureaus that my account is under investigation. I have never disputed this account. During a call on XX/XX/XXXX, XXXX, XXXX XXXX employee # XXXX, refuses to provide me with account information on my account regarding what is being submitted and reported to the credit bureaus. 

As ofXX/XX/XXXX, my balance is {$0.00}. I have not filed any dispute regarding this account. Still, on XX/XX/XXXX balance reported by XXXX XXXX for period ending XX/XX/XXXXis {$54.00} with a comment that the account is under investigation. 

I want this investigation ceased immediately by both XXXX XXXX and Equifax. Both state the other company is disputing the account or originated the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Consumer Loan (Vehicle loan) with CarMax, Inc. (CA).
Issue: Problems when you are unable to pay

Complaint: Got a loan from  CarMax Auto Finance,  car was repossessed, they sold car and now asking for me to repay the amount they lossed on resale The repossession of the car was their choice and their way of dealing with late payments. They never released any information to me as to how much they are selling it for and if I still wanted the vehicle. They took it and sold it for a value they wanted to accept ( I did n't sell it for the m ). Anyhow, my credit is getting dinged up every month with CarMax inquiries because of the vlaue they loss ed on the sale they made. This is a scam in my book. The dings really have nothing to do with car, they are trying to make me make payments for the value they did n't get back when they sold it which is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Payday loan) with Monterey Financial Services LLC (MS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a letter of debt verification to Monterey Collections, XXXX, CA XXXX in XX/XX/2017. They sent me a letter stating that they will not send me verification of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Mailed {$50.00} check payment to AAA XXXX XXXX managed by Bank of America XXXX on XXXX XXXX, XXXX. Not sent to XXXX XXXX XXXX XXXX XXXX area. 
Card is interest free until XXXX. Company is denying receipt as of today, threatening late charges, threatening to end interest free promotion. 

PS All other bills sent out same day and location were received and/or cashed by other companies ( eg., XXXX XXXX XXXX on or before XXXX/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