milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed an account from XXXX XXXX XXXX for {$520.00} with Transunion on several different occasions. Initially, the account was held by XXXX XXXX. I disputed it on XXXX XXXX, XXXX through XXXX. ( see attachment XXXX ) And then again on XXXX XXXX, XXXX through XXXX XXXX ( see attachment XXXX ). And each time TransUnion said it meets FCRA requirements. Then, I guess the account was sold to another collection agency because it started showing up under XXXX. And I disputed on XXXX/XXXX/XXXX throught XXXX. ( see attachment XXXX ). I also sent a certified letter to the company disputing the charge. ( see transuiondisputeletter and receipt ... ) Following this dispute, I received a letter from XXXX, sent to my address but addressed to my father XXXX XXXX, saying they received my dispute but " determined that your dispute is not valid, and that the information we have reported is accurate. '' ( see attachment ending in XXXX, XXXX ) They also attached a hospital bill that named my father, XXXX XXXX, as the person who was admitted. ( see attachment XXXX, XXXX, and XXXX ) I filed a complaint with you on XXXX XXXX and I 'm sure you have their response on record. In case you do n't the company said they will launch an investigation. And I received a letter on XX/XX/XXXX saying the investigation was complete and they " verified the account information as well as my name and social security number as being accurately reported. '' I would like to know how Transunion was able to verify this account as belonging. ( see attachment XXXX ). Especially considering XX/XX/XXXX Solution sent me a letter and bill from the hospital that had XXXX XXXX listed as the person receiving services. This ordeal has caused me a lot of XXXX, XXXX, and financial undue XXXX. I am trying to find an apartment and have n't even been able to apply for any because my credit score is not good enough. And I have emails to prove this. I am staying in an apartment that I can not afford because I have no where else to go. And, I have to leave this apartment on XX/XX/XXXX and still have n't been able to find a new one because my credit score does not meet the requirements. I applied for a loan today to consolidate my credit and help with moving expenses, but I was denied because my credit score is not high enough. It is extremely important that this inaccurate information is immediately removed from my credit.

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 02/22/2017 about Credit card () with CITIBANK, N.A. (NC).
Issue: Advertising and marketing

Complaint: Re : : Application ID # : XXXX-XXXX Hello, I am writing because I recently applied for the Citi XXXX Platinum card and was approved for XXXX miles. 
I then receive another invitation via US Mail, that invites me to apply and says that I can have XXXX miles. Using XXXX # : XXXX. That is a vast difference of XXXX miles that I feel I am rightly deserving of. 
I would like to know if CitiBank will make it right, or who else must I write a complaint letter to to get this error in judgement corrected? 

Thank you.

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 04-04-2016 about Credit card () with JPMORGAN CHASE & CO. (WA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: DEAR CFPB, I HAVE FILED SEVERAL COMPLAINTS DIRECTLY WITH CHASE, AND THEY REFUSE TO DO ANYTHING. I HAVE A CHARGE ON MY CC, AND NO SERVICES NOR PRODUCTS WERE RECEIVED. THEY ARE REFUSING TO HELP ME WITH THIS MATTER, I EVEN HAVE A WITNESS WHO WAS AT THE SAME EVENT, THEY EVEN TIRED TO CHARGE MY CARD AFTER I BLOCKED IT AFTER THE INITIAL CHARGE. THE COMPANY DOING THE CHARGE IS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Debt collection (Payday loan) with Solidus Group LLC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: They claimed that a loan was taken out in my name and social security number. The alleged debt was from 2012. I disputed this as not my debt. When I requested that they mail to me documentation on the validity of the debt, they said that they already did. They had an old address. When I offered to give them my current address, they still refused saying that they will take us to court. This is a scam.

Company response to consumer: Untimely response
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AFNI INC. (FL).
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 have an account on my credit report listed as AFNI for XXXX XXXX XXXX XXXX. I have not had an account with XXXX XXXX XXXX for more than 8 years, yet AFNI has the date showing that the collection is from XX/XX/XXXX and now, after I disputed it, they have updated it to XX/XX/XXXX. The debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Vehicle loan or lease (Loan) with UNIFOUR FINANCIAL SERVICES, LLC (NC).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: ... I have been seriously injured and I ca n't afford to make but half of the payment I 've tried to work with them and all they do is threat to take my car Im XXXX and I financed a car through unifor finance been a lolyal customer I 've made every payment for 7 months {$470.00} until I was taken out of work plus the down payment of {$500.00} if they want to give back all money so I can get a car I have to have a car for Dr appt and grocery store, pharmacy its illegal to treat XXXX people this way

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Payday loan, title loan, or personal loan (Installment loan) with GOLDMAN SACHS BANK USA (ME).
Issue: Getting the loan

Complaint: I completed a loan application online today for {$12000.00}. I received an email stating the loan request was approved. I submitted my banking account information including a copy of one of my checks, as instructed. I then came to a screen that required me to complete electronic disclosure statements. At that point I decided I wanted to borrow a lower amount, {$8000.00}. There was no screen, tab, etc. that allowed me to change the loan amount, so I called XXXX and spoke with XXXX. She told me that she could not change the dollar amount on her end, but I could request a lower amount by completing a new application. XXXX said that the company would not need to run another full credit check as long as I submitted the new application today. When I applied for the lower amount ( less than an hour later ) I received an email stating it was not approved. I called XXXX and s/w a supervisor, XXXX. I reiterated the above information and XXXX would only tell me " a couple things changed in your application. '' I asked her how anything could change within one hour. XXXX said I probably should not have been approved the first time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-02-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TN).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/1999 I purchased a XXXX mobile home, and when signing the paper work, the finance company side if the interest rates went lower they would lower mine with in a year 's time, they did go down to about 6 % when I signed it was 12.25 % and all these years I have been paying nothing but interest. I have called more times that I can count and asked for a refinancing or a rate modification and each time I am told " sorry we do n't do that ''. it make 's me want to tell them well come get it then and give them a week to do so but I have put a lot of money into my home. my husband and I have reroofed it put floating floors thought out it and replaced to kitchen and bathroom floors with tile painted the out side this is home. I just do not understand how or why they are so unwilling to work with me my payments are on time never late but like everyone else I have a hard time and have to let other things go to make sure that it stays that way. I tried to trade it in before I we did all the work on it and all mobile home dealers in the area tell me the same thing " you are up side down on the money '' your home is n't worth what you owe ''. where do I go? what do I do form here? is there any help for us? my home is on privet property family owed. the the company I am financed with has changed name 2or 3 times I have asked for help 2 times each from each of them once to refinance and then to do a loan rate modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: PennyMac has consistently mishandled my mortgage servicing since assigned to them by XXXX XXXX XXXX. The closing documents show a monthly payment of XXXX. In XXXX they sent me several notices requesting a payment of XXXX by XXXX XXXX for my first payment. XXXX calls were made to them to correct it and each time they said it was their mistake, stated it was corrected and they would send me a new statement. Each time the new statement showed the incorrect amount. Mind you this is my first payment after closing. Finally that issue was corrected, and I mad a payment that was posted to them from XXXX on XXXX XXXX 2016. Today XXXX XXXX I get a statement in the mail stating that they never received my payment even though I called and verified with them that they had. So they are threatening my credit with their incompetence and I guess I will have to hire a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Money was not available when promised

Complaint: This company 1st let somebody use my card for more than {$700.00} worth of transactions, knowing that I 'm in traveling to the other side of the country for work. My Bank did not credit me any of my money for approximately 10 days. Within the 10 days I was only left with {$20.00} to my name while waiting for my account to get credited back. I was charged {$80.00} for transaction fees that I was not aware of as a result for the bank taking my money. When I called to have the transaction fee waived, I was met with hostility and accusations. I was told that certain fees were not going to be waived because I committed the transactions. I explained to them I did not, and they said there was nothing that they can do about it. Person hung on me i called back and then they funed me back the fee they charge. this bank super unprofentional and i will be banking with someone else for now on Santanders bank worst bank ever

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I filed numerous disputes with Central Financial Control and advised them to provide me with contracts with authentic signature than begun this alleged debt. Central Financial Control Provided me information that is woefully deficient and fails to establish that this is a valid item. 

First, Central Financial Control have not, by any credible means, demonstrated that I owe this alleged debt to their organization. Central Financial Control have failed to provide any document bearing my signature that would establish that I have any indebtedness to their company. 

Second, Central Financial Control have merely supplied me with copies of alleged bills on the account in question ( OR contract ). These documents, which Central Financial Control could easily have fabricated, failed to prove that there is any legal or contractual obligation between myself, their agency or the creditor. 

Third, as Central Financial Control have failed to establish any relationship between me and the purported debt, I demand that Central Financial Control discontinue reporting this item to the credit bureaus and, in fact, that they delete the item. Additionally, note that if Central Financial Control continue to collect on this purported debt, such action will be in violation of the Fair Debt Collection Practices Act. 

Fourth, I did not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to Central Financial Control AND to the original creditor. Their answers were condescending and I advised them that I would report there negative response to the Consumer Financial Protection Bureau and the XXXX. Central Financial Control hostility was completely uncalled for as I am acting within MY rights under the law. 

To summarize, I DO NOT have any contractual obligation to pay Central Financial Control at this point Central Financial Control have failed to provide ANY credible proof that the alleged debt can be validated. As noted above, a copy of an purported bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Other financial service (Check cashing) with Ingo Money, Inc. (NY).
Issue: Fraud or scam

Complaint: Received an e-mail from INGO.com online check cashing asking me to verify that I signed up for their service, which I did not do. When you call the phone number it asks you to input your social security number. Of course I would n't do that. When you finally get to a representative, they are hostile and try to get you to give them your SSN. These people need to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX My wife and I with our XXXX very young kids sold our home in XXXX and repurchased a new home in FL, unknowing to us at the time we were given a subprime loan by someone we trusted/realtor we trusted. I was a XXXX in the city of XXXX and wife worked as a XXXX helping sick and elderly people and we both made a decent salary to support ourselves and our kids. At the time we were n't to savvy on how a subprime loan work believing it was the same type of loan as our previous loan with our first home, only later to find out there were investors included this loan for the XXXX home by that time it was too late however we remain persistent and try to make our payments which was astronomical and begin to cause hardship for us, things got so stressful my wife and kids begin to hate the fact that we moved to this new home, she was later diagnosed with a XXXX and had to have it surgically XXXX and as for myself i was suffering from injuries I sustained during the XXXX while working as a XXXX, after her XXXX she decided to move back to XXXX and my kids would later follow her and despised the fact that we had relocated to FL in the first place, meanwhile I was diagnosed with a XXXX which followed by XXXX along with XXXX, XXXX, XXXX, XXXX XXXX XXXX, plus XXXX XXXX. I do n't know how i am able to survive but I am still here by the grace of XXXX. I applied for XXXX from what I understand there is a backlog which mean I have to wait until they get to me. Meanwhile, I am unable work, even if I was able to work I would not be able to find work, as a former XXXX there are no XXXX jobs available. The savings that I have is starting to deplete, I like my home I do n't want to lose it but it seems I am heading in that direction if can not my payments, the mortgage company is starting to call because they believe I will not be able to make my payments time is running out it appears I may have to sell my home in the next month or two and the selling price is very much lower from the time I purchased it in 2006 because of that ridiculous subprime loan that was given to us, when in actuality my wife and I were working professionals helping to protect the public, providing XXXX to the sick and elderly and this is how we got treated in return.

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 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: This is a formal complaint against them. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they 're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I 've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 05/15/2015 about Consumer Loan (Installment loan) with Monterey Financial Services LLC (NJ).
Issue: Managing the loan or lease

Complaint: my payment is due on the XXXX the late payment is XXXX, if I mail my payment in via check the company never receives it by the due date or the XXXX, then they charge me a late fee and I end up paying online so they charge the transaction fee. Any month I send the payment by mail they call on the XXXX saying they have n't received it forcing me to pay the late fee and transaction fee. 
Also now that I review the payments I do n't think the interest they charge me is legal it just seems like im paying triple.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I received a escrow account disclosure statement dated XX/XX/XXXX informing me of an increase in my payment information because of a shortage amount of {$540.00} in my escrow account. The statement does not provide an explanation as to why or provide figures beyond that it may be due to an increase in property tax, insurance premium, or mortgage insurance. Upon speaking with customer service representative " XXXX '' at PNC BANK, she informed me that none of the aforementioned escrow accounts payable have increased and in fact property taxes have decreased from {$3000.00} as of XXXX XXXX to {$2800.00} for XXXX XXXX. The document states that " The minimum required balance allowed by federal law ( RESPA ) is two times your monthly escrow payment ( excluding MIP/PMI ) unless your mortgage document or state law specifies a lower amount. '' Our monthly escrow payment according to this statement is {$390.00}. According to XXXX, our escrow balance is {$1000.00} which is over {$200.00} more than double our monthly escrow payment and thus the minimum balance allowed by federal law. XXXX responded that " the reason I have a shortage is that I dont have enough money in the escrow, '' a tautology I am not satisfied with. When I said I could not follow her logic and was concerned that there was an error if my liabilities have actually decreased and my payments have increased, she said I was " just being argumentative '' and when asked if there was someone else I could talk to she said " no '' and that I could talk to her. I asked where the additional costs were coming from and she replied that they were coming from their yearly escrow projections which they do each year in XXXX. She claims the previous lender gave us the wrong amount to put into the escrow and that is why we have a shortage. She also claims that the escrow successfully paid all liabilities and that the balance is in fact still over the minimum required by federal law. And since we know exactly what they are for XXXX, I dont understand how the projections are coming back different. I am not satisfied with this service and do not want to pay you an increased rate based on costs that are indemonstrable and unavailable for my scrutiny. And, whoever XXXX is, she is not capable of explaining simple math to me and needs to be trained further if you are to obtain quality customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A dispute with XXXX XXXX XXXX was made regarding derogatory information reported. 
CFPF File Number XXXX resulted in XXXX issuing a letter dated XXXX XXXX, 2016 wherein they stated that XXXX removed the trade line from all credit report effective XXXX XXXX, 2016. 

The derogatory information is still being reflected by TransUnion. I visited the US Office of Personnel Management account I have and found that as of XXXX XXXX, 2016 the derogatory information is still reported by TransUnion. This is negatively impacting the mortgage rates I am currently being quoted.

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