milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-11-2017 about Vehicle loan or lease (Loan) with PENTAGON FEDERAL CREDIT UNION (VA).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXXXXXX To Whom It May Concern, I am writing this letter to bring to your attention the failure of Pentagon Federal Credit Union ( PenFed ) to pay out on a gap insurance policy on a vehicle loan I purchased from them when obtaining that loan in XXXX 2016 for a XXXX XXXX van. This issue with PenFed has been on-gong since XXXX, 2016 without either contact from, or any attempts to resolve. <P/>In XXXX of 2016, this vehicle was vandalized while parked where I had been staying for the evening. In XXXX of 2016, the van was vandalized a second time, much more extensively, while parked at my residence, rendering it completely non-functional and inoperable. The van was taken to a salvage yard in XXXX XXXX, and a police report was filed. <P/>Shortly after, I delivered the paperwork from the salvage yard to XXXX XXXX, Senior Manager at the XXXX branch of Pentagon Federal. This was when the real problems began. I was given the phone number to PenFeds third-party insurance provider, whom I called and provided with all the relevant information. I had not been told at the time of purchase that the insurance was not offered through PenFed itself. <P/>What I have experienced since then has been a never-ending chain of deferrals, voice mails, un-returned phone calls, and threatening notices of default sent to the vehicles co-signer. I have opened a case with PenFeds third-party provider not once, but three times, each time to find out that my case information later disappeared, unable to be found, whereupon I am told my only recourse is to begin the process again. No one from PenFed has ever personally reached out to me or responded to any of my complaints, despite receiving them in writing. And again, the case files with their third-party provider keep vanishing. <P/>In short, PenFed is refusing to pay out the gap insurance policy which I purchased at the time of the loan and was led to believe I was purchasing from them. They are refusing in spite of my having provided them with ample evidence that the vehicle is totaled and inoperable due to no fault of my own. <P/>PenFeds ongoing refusal to honor the gap insurance policy which I purchased from them has caused me financial hardship. Unable to use the van, and faced with PenFeds unwillingness to pay out on the policy which they sold me, I became unable to continue working. <P/>Please take action. <P/>Sincerely, 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 explanation
Consumer complaint received 07/17/2016 about Mortgage (VA mortgage) with LENDER LIVE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I was paying my mortgage payments regularly to Lender Live/ XXXX XXXX XXXX since 2015. I was dividing my payments into {$680.00} twice a month because it is easier for me to budget that way. All was going well until ( read on ) : XXXX XXXX and XXXX XXXX I made XXXX payments of XXXX and it was applied to XXXX XXXX. 
XXXX XXXX ( my bank sent out XXXX payments by mistake and said my payments were on automatic which they were not ) and XXXX XXXX - XXXX payments of XXXX were to be applied to XXXX XXXX XXXX XXXX and XXXX XXXX I paid payments of XXXX each to be applied to XXXX. 
In addition, on XXXX and XXXX I made additional payments of XXXX and designated exactly how these chould be divided to try to pay off a little bit of my loan early. 
One of my XXXX payments went directly to T+I and my XXXX went to T+I. I had to call them to ask them to apply them appropriately. The lady I spoke to said that never should have happened. The payment of XXXX was reapplied but again to XXXX which I had ALREADY paid. When this started happening, they promptly sold my loan to XXXX who is telling that I am arrears for a payment. 
I sent a registered letter to XXXX XXXX asking them to send me past statements ( which I can no longer access online ) so I could try to understand what had happened and they sent me XXXX sheet of paper with XXXX lines on it with T+I balances on it from XXXX and XXXX. They did not send me the statements. Luckily, feeling that something was amiss, I did happen to do a print screen for these months I am talking about but you can not tell that payments were sent to T+I. The error from XXXX is on there. 
I am tired of trying to deal with XXXX/Lender Live and I a tired of trying to tell XXXX that my payments were caught up with LenderLive and I should owe them NOTHING in arrears. These places are just too big for me!! 
I hope you can help. 
Thank You, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Problems when you are unable to pay

Complaint: Recently, I filed bankruptcy. I have elected to keep my vehicle. To be proactive, I contacted the finance company, Santander to obtain more information regarding the process. After speaking with 3 separate representatives I have received 3 separate answers with how to resolve this situation. The final answer I received was for my attorney to contact Santander 's attorney so that the attorney 's could develop a possible plan. I was provided with a number for Santander 's attorney and then provided the number to my attorney. My attorney has contacted Santander 's attorney and to date has been unsuccessful with receiving a return call in order to begin discussion about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I have tried to freeze my credit report with TransUnion on 5 separate times - each time I get an error message that their web site is experiencing difficulties and I need to check back again another time to place freeze on account. Each time I attempt to CALL TransUnion their phone system is so bad I get disconnected ( 5 times!! ) What steps can I take to FREEZE MY CREDIT REPORT with TransUnion?? 

I have had NO PROBLEMS doing this with XXXX or XXXX - ONLY TransUnion - what a nightmare!! 

They collect more information from you and then claim website not working - is their company even TRYING to help consumers? Is their website HACKED TOO? 

Why can I NOT access ANYONE at TransUnion to get a CREDIT FREEZE????

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 09/26/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (NY).
Issue: Fraud or scam

Complaint: I was scammed by a PayPal user with this email XXXXXXXXXXXX He was meant to send me something in return. I made a mistake by sending the money as goods and services.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Delinquent account

Complaint: I have disputed this before with the agencies, most recently a year ago, got a letter " creditor said information was accurate '', totally impossible. Years ago I got a call from BOA, so I asked proof of debt/payment. I searched my bank for the dates they gave me on the phone and more recently on my credit report, couldnt find any payments for those dates, let alone month within 7 years, I never got confirmation from them. I 've lived in the same house for 9 years, and have bank records computerized, going back 11 years and just to be safe searched quicken as well as the electronic statements finding no payments so it needs to be removed, and taken off XXXX / XXXX, I want to make it clear I 've had XXXX for 10+ years so the payment would be there, I even tried to match payment dates and nothing,. I feel they are re-dating, in fact XXXX / XXXX show different payment dates to keep it within the 7 year mark to keep it listed. 
Either way this is past statute and needs to be removed from the credit agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Credit reporting () with Convergent Resources, Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have filed a claim against this company before.and got a judgement in my favor.and now there back on my credit report please help me thank you.!!!!! i dont know my case number

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Victim of ID theft or just not my account. 
Dispute of Bankruptcy returned as validated, verified by original creditor. 
My next steps included going to the court house to obtain supposedly " my record of bankruptcy '' Return results {$8.00} to find out you have no record. Next I wrote the US trustee inquiring so I could have a paper trail, Their response " We do not report to CRA 's '' Please call us@... .... 
I called to find out that only limited information is available and public reporting by outside sources is how the CRA obtain their information. NO SSN, NO DOB, names and address only! Now I 'm mad, I feel lied to and cant understand how I got into this mess.. There is no reports of this on the other CRAs?!?!?! 
So I did what any lost and confused person would do, Reached out to a consumer report attorney. His suggestion was to file a police report as ID theft and let the CRA figure it out. 
On XXXX/XXXX/16 Experian received police report, letter from US Trustee department, and statement requesting XXXX Block. XXXX/XXXX/16 - Per phone call XXXX request denied, we issued a letter today. 
I cant get this off of my report, There is no court documented Bankruptcy, A police report, a supportive letter from the trustee department, my statement ... .. What more can I do? 
I Have to avoid any lender that checks Experian because my score is XXXX now and I cant secure the credit I need or even rent an apartment or buy a home due to Experian 's lack of compliance the basic laws.

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

Complaint: My personal information may have been stolen during the Equifax security breach. I have already visited www.equifaxsecurity2017.com, and after I entered my information, I received this message : " Thank You -- Based on the information provided, we believe that your personal information may have been impacted by this incident ... '' Because I may be affected by the breach, I have placed a 90 day fraud alert on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Student loan (Federal student loan servicing) with ACS Education Services (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have a consolidated loan through ACS Education Services. We have submitted on 2 different occasions applications for the federal Teacher Loan Forgiveness program. I had also submitted a different loan forgiveness application to XXXX and my application was immediately accepted and the loan was forgiven. ACS Education Services is continually coming up with different reasons to reject our loan forgiveness for reasons like " the signature dates by the Chief Administrative Officer and myself were not on the same date ''. Considering they have rejected my application once again, it 's the middle of the summer and I do n't see my boss for another month or 2. It seems quite obvious they either want me to give up on this process so they can keep collecting interest payments.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Prepaid card (Government benefit payment card) with JPMORGAN CHASE & CO. (NY).
Issue: Fraud or scam

Complaint: J.P. Morgan Chase Bank deliberately withheld a Pre-Paid account over {$3000.00} of monetary Unemployment Insurance compensation benefit since XX/XX/XXXX ( over 3 years ). The actual amount is undetermined due to interests charged by J.P. Morgan Chase Bank against me, as told to me by JP rep via phone. I was not informed about this account for over 3 years until I applied for UI benefits back in XX/XX/XXXX ( refer to XX/XX/XXXX UI 's Monetary Benefits Determination and XX/XX/XXXX Employer Questionnaire documents ). Did XXXX combine both the XX/XX/XXXX {$3000.00} Pre-Paid Card Account amount to my XX/XX/XXXX UI application submitted in XXXX? This XXXX application triggered JP Morgan to immediately mail me notification about money withheld since XX/XX/XXXX. Where is the the XXXX?

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-05-2015 about Credit card () with CITIBANK, N.A. (OH).
Issue: Payoff process

Complaint: I have a line of credit with Macy 's and pay my bill online through Macy 's website. For the last XXXX payments, their website confirmed my payment was made and accepted. Time passes and I am notified by Macy 's that I never made my payment. Just like all prior payments, exactly the same way with no issues until within the last few months, this started happening. I would have had no idea I never made my payment. What happened after that is the XXXX big issue. They immediately reported me to the credit bureaus, reduced my credit limit and started calling me treating as though I was a criminal. I contacted them after the first time and said I made my payment your website accepted it and somehow it just disappears? They ultimately reversed the late charge, and increased my credit limit. Here I am again, make the payment online and they then contact me again, calling me, said I never made my payment, tacked on another late fee, reported me to the Credit bureau, reduced my credit limit again. I called them again, gave them the payment information and told them your website is accepting payments, confirming and then they disappear, there is a very bad problem with your website. I made my payment over the phone and they back out the late payment again. Subsequent to the last contact, within a matter of 10 days, they added another late fee ( and no payment was due ). I contacted them and have proof of my balance, I then paid off the account over the phone with the rep. and requested a zero balance letter, and confirmation. They took the money out of my draft account and now are billing again after paying off my balance. They have caused harm to my credit report XXXX times times when I actually made these payments, they continue to add fee 's that are not warranted. They accepted payment for the full balance on account and generated another bill with a balance after it was paid off, they need to be investigated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to modify my home loan five months and keep getting the run around. Every time I ask my representative if in fact he has all items requested, he states that he has everything then inn turn asks for more items or that he can not find the items. I was forced to file a bankruptcy due to their prolonged excuses. I am also entitled to a class action loan modification through Wells Fargo, which did bad ammoritized loans. I feel that they are trying to hold out so that they can foreclose on my loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: After reviewing my credit report I found information, which needs to be corrected. ERC is illegally reporting a collection on my credit report due to the account being discharged in my Chapter XXXX bankruptcy. Following the laws of the FCRA it is unlawful for the account to show a derogatory status on my report. I am requesting that the item be deleted to correct the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/27/2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Deposits and withdrawals

Complaint: I have a checking account with Capital One. 
On XXXX/XXXX/2015, I deposited a handful of cash notes at a Capital One ATM machine ( ATM # XXXX ) at XXXX XXXX, Virginia at XXXX. However, the money was not deposited but was eaten by the ATM Machine. The ATM Machine returned to me a slip listing the ATM #, the time stamp and the date with a comment " We encountered a problem returning your cash. Please contact your financial institution ''. 

I called Capital One debit card number at XXXX around XXXX. I was told by the recording that the staff has gone for the day, I need to report the claim after XXXX the next day. I called the Capital One again on XXXX around XXXX, and reported the claim. The representative asked me to give a ballpark number of how much money I deposited and got eaten, at that time I could not tell, because I did not count the cash when I made the deposit ( I have never had similar experience in the past so I forgot to do so ), but I indeed put in a handful of notes. I gave a number of {$500.00} maybe, so the representative told me that they would deposit this amount of money into my account first within 3 days or so, and the claim would go through investigation for a couple of months. 

Afterwards, I counted all the money in my wallet, and compared all the cash return, all the transaction info I have had. This information led me to believe that I probably had over {$900.00} deposited and eaten. So I called Capital One again mid XXXX to report this amount, and got another {$500.00} temporary deposited into my account. 

Today I received the decision letter listing '' After looking into it, we 've approved {$100.00} of the {$500.00}. We had to deny the rest of your claim because of : We checked our ATM records and they do n't show an error for this amount '' My claim number is XXXX. 

I do n't know where this {$100.00} comes from and what it means. Does it mean Capital One finds that I only deposited {$100.00} into my account on XXXX and eaten by the ATM, or it was only a money as comfort. The whole experience has been tedious and frustrating. Nobody contacted me during the 2 months ' claim investigation, and I was not told how much money was eaten at all.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: contacted  XXXX , Transunion and   XXXX   from   XX/XX/XXXX - X/XX/2017  conc erning inquires that were removed from credit report that still appears on there. they advised that they were removed. keep calling back now they tell me that I need to contact the companies that requested my report. I contact those companies and they refer me back to the Agencies. this is an on going issue that I want to have removed. I have also had addresses on the account that did not belong to me. My father was put as my husband.   XXXX   list other people names and ssn on my credit report. The last updated report received from   XXXX   had full ssn of other people that is a violation. They mixed up files. only  1  address and employer should be listed on my file. Every time you call now everyone is a supervisor at  XXXX  and Transunion and cant help you. The purpose of putting a fraud alert and security freeze is to be protected from theft. These companies are allowing others records to be mixed with different people and if you call to validate and have the information removed its always an excuse. When I call to check on status of disputes I will get a letter in the mail stating that it has been extended due to recent inquires. This is not acceptable.

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 05-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this 2012 debt off just to remove it from credit reports yet it remains as a negative mark on my credit. The debt was paid online as I was told it would be removed from my credit report quicker this way and I have the deduction for the exact amount ( {$210.00} ) on my bank statement. I would like this negative debt removed from my credit so I can have a score better reflecting my current situation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: They want an over abundance of money. When they talked about a income driven plan, last year ( 2015 ), I sent paper work in and they said I owed nothing. Nothing has changed with my income or amount of children or anything and now they want payments even with the same income driven plan. It seems like they always switch things up. No one is on the same page, it 's always something different every time you calll them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I like to inform you that these items on my credit report should be removed. Because I do n't owe any balances to the company. I never open a secured credit card with XXXX Bank. I am going to provide the letter from XXXX that proves I never open the account. At this time I like for you to remove them from my credit report to reflect my true accurate credit report. So, that my true character will be shown to my current creditors and those who inquire about my payment history.

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