milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (AZ).
Issue: Settlement process and costs

Complaint: The Bank does not have a note and is foreclosing without paperworks. 
I asked the bank to give me the paperwork ... they refused ( in their letter ) ... because they do n't have it.

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 09/16/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Managing the loan or lease

Complaint: We had a loan for 72 months then extended it for 2 more years, my total payments for the 72month term with interest of 19.24 % should have been {$30000.00} as of today XXXX/XXXX/XXXX I have paid 74 payments, on XXXX/XXXX/XXXX we had to sign an agreement to extend the loan for 2 yrs because the company said we owed with interest over {$15000.00}, they agreed to lower interest to 4 % for 24 mths and the company is telling me I still owe a payoff amount of $ XXXX with late fees, etc ... how can this be. According to extended agreement we wold make 24 more payments of {$300.00}, that 's {$7300.00}. We have made 9 of those payments to date. ( {$2700.00} ) We should only have {$4500.00} left on the extended agreement. They charge me {$10.00} for each payment I make and charge a late fee of {$30.00} from the 1st day it 's late. They are completely ripping people off. I will have paid over {$40000.00} once I 'm done. That is insane I did not buy the car new it was preowned and needed a new transmission after only having it for 1 year. I feel I am totally being taken advantage of and do not owe $ XXXX, The car is not even worth {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Bank account or service (Checking account) with PNC Bank N.A. (VA).
Issue: Deposits and withdrawals

Complaint: recently I noticed that an amount of {$89.00} has been deducted from my checking account at PNC bank on the XXXX of every month from XX/XX/2015. I made several calls to PNC bank to identify who isa taking my money. At first PNC ban told me it was XXXX XXXX. I checked to make sure XXXX has not been taking money from my PNC account. I called PNC banks again to say that and I dont know who has been taking my money. I told them I need to know the company and theit TP number but they kept telling me they dont have that info., I found this bizzare. So I lost almost {$270.00} from my PNC account but PNC cant tell me the XXXX no or the merchant. Please help me to recover these funds that I work 6 days a week to earn. Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX Credit Reporting error I have contacted XXXX XXXX XXXX and have received the letter confirming that the account was closed and there are no issues. Please remove this from my credit file. XXXX XXXX Opened XXXX Reported XXXX Hi. Credit {$200.00} Credit Limit {$200.00} Thanks 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 02/15/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Settlement process and costs

Complaint: My home was foreclosed XX/XX/2016, My property deed was recently reinstated and I have been making monthly mortgage payments since XX/XX/2016 to Ocwen Loan Servicing. The deed has not been reinstated with the XXXX County Register office and the property is not showing in my name. Since Ocwen Rescinded the property foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Noticed a hard inquiry on my credit report from XXXX XXXX  XXXX today XXXX-17. I DID NOT authorize this. The address on file is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NJ XXXX. I called the phone number XXXX and it gives you some option but it ended up giving you a busy signal.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX XXXX is all paid up and they promised to remove any late fee 's and tell the creditors that it is all paid up with no problems. 

I have looked at my credit and have yet to see this updated. I called around XX/XX/18 to make sure this situation can all be settled and was told It would be done.

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 06/24/2016 about Mortgage (Other mortgage) with PNC Bank N.A. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: PNC Mortgage has been sending every month me a bills for payment on mortgage which I allegedly own them. I have never contracted with PNC Mortgage neither with PNC Bank. I have never been notified that PNC Mortgage or PNC Bank is my creditor or servicer. Neither of this XXXX entities are in my property chain of title. As of this date they continued to contact me at home and demanding to pay this debt and pursue foreclosure. On XXXX XXXX, 2016 I sent a letter pursuant to FDCPA 1692 ( g ) Sec 809 ( b ). PNC Mortgage failed to validate the debt and failed to delete or remove derogatory information from my credit files. PNC Mortgage failed to provide me with evidence of Illinois license to collect a debt in this state, and the license number. PNC Mortgage has been reporting invalidated information to XXXX Credit Bureaus as they were a creditor though they know they are not. PNC Mortgage failed to mark as disputed item in credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This is my second complaint. My previous complaint involved the failure of Seterus to credit my mortgage payments for XX/XX/XXXX and XX/XX/XXXX. After you contacted them they corrected the issue. They stated the reason my payments were n't credited was because my account was flagged due to a pending loan modification and trial payment offer. I never requested a loan modification. However, they credited the account and sent me a statement reflecting my payments. They also sent me paperwork stating my loan modification offer was cancelled at my request. Great! I never requested a modification nor did I request it be cancelled. Since they credited my account appropriately I thought all was fine. Today, I attempted to log onto the website to make my payment and my login is redirected. The screen I am redirected to says, '' thank you for applying for hardship assistance '' and I am directed to complete paperwork for a modification. I have not requested hardship assistance and I believe it is less than honest to redirect the website upon login to make it look as though I have. To be clear, i do not want a modification and I am not requesting any hardship assistance. Today when I arrived home a package was waiting that stated Congratulations your modification has been approved. What modification?. This company is either really confused or they are playing games. Is this the modification that was cancelled at my request? If so, why is it now approved? I just want to make my payment and have it appropriately credited to my account without all of this nonsense. After the last issue was resolved in XX/XX/XXXX, I somehow ended up with a {$200.00} plus dollar over-payment sitting in my suspense account which is odd since I paid the amount my statement showed was due.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Our loan servicer is Bank of America. My husband and I have requested information pertaining to the name, position and address of an officer of the entity that is the owner or assignee of our mortgage loan. They informed us because of the QWR made under 12 U.S.C. 1692g per RESPA they do not and will not supply us with this information. They did give us some of the Loan History Statement, but omitted the first XXXX pages. Bank of America has moved forward with foreclosure and selling our home on XX/XX/XXXX. We need help in getting Bank of America to give us the information we need to save our home.

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 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This a formal compliant against TransUnion regarding inaccuracy on my credit file. On XX/XX/XXXX, I discovered that XXXX XXXX account number XXXX XXXX is still being displayed on my credit report which is inaccurate. This account was disputed by me to be removed/deleted permanently from my credit file due to several proven inaccuracies. I contacted XXXX XXXX as well regarding this matter and I was informed that an " account deletion '' was mailed to all three credit bureaus. Please delete this item immediately. This account was deleted between XX/XX/XXXX and XX/XX/XXXX by XXXX which I have proof. I know that CRAs does not share credit information with one another and that it 's FCRA law that the furnishers update these agencies with the accurate and updated information. However, this is NOT the case because XXXX XXXX complied to the FCRA Law when they notified TransUnion in writing for this account to be deleted from my credit file. I 'm requesting that you follow suit with XXXX by DELETING/REMOVING this account 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 04/20/2016 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (CA).
Issue: Managing the loan or lease

Complaint: TD auto reposessed my car, auctioned and recovered in full. I was told no balance was owed to them however on my credit report they are still reporting a balance of {$6400.00} continiusly and now trying to call and collect on the debt that I do NOT owe ...

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Mortgage (Conventional home mortgage) with Stearns Ventures, LLC (MD).
Issue: Trouble during payment process

Complaint: On XXXX/XXXX/XXXX, Stearns Lending made a tax payment of {$2200.00} from my escrow. I notified Stearns approximately 2 weeks later that this was not my correct tax amount and sent them a copy of the correct tax bill. I did not receive a return call but did receive an escrow refund of {$1200.00} XXXX issued XXXX/XXXX/XXXX ) which was not needed nor appropriate because if they had paid the correct tax amount no refund would have been needed. 

I then deposited the escrow refund and went to the XXXX XXXX, MD tax office in an effort to pay the remainder of the tax bill only to find that no payment was applied to my tax account. I also learned that the tax amount paid was directed by Stearns to the wrong property. I called and notified Stearns of this issue with the specific account numbers and advised Stearns that the tax office advised Stearns would need to seek reimbursement from that owner and would still need to make payment for my tax bill which was due XXXX/XXXX/XXXX. 

I called Stearns again approximately every 3 weeks or so each time being told the tax department was looking at the issue. On one of these occasions in XXXX XXXX, I was told the tax department had a follow up date showing of XXXX/XXXX/XXXX. I have never received any communication ( phone email or mail ) initiated by Stearns despite my requests to be contacted by the tax department supposedly working on this issue. To date, XXXX/XXXX/XXXX, I have not received reimbursement to my escrow account for the incorrectly applied withdrawal of {$2200.00} and have not had any payment made from my escrow to the tax bill properly owed. Based on my numerous notifications to Stearns Lending on multiple occasions and over 2 months passing since that notification I consider these funds to have been stolen as they have failed to exercise even the most basic of fiduciary duty in their exercise over my escrow account. Additionally, this is beginning to result in the assessment of interest charges by XXXX XXXX, MD tax authorities. 

In addition to this issue, Stearns also noted that they did not know who the insurer was to cover that issue although the policy and payment was shown on the settlement and did not change.

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 07-10-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (CA).
Issue: Unauthorized transactions or other transaction problem

Complaint: I used Venmo to sell an event ticket ( which I only found out after the fact I could n't do or I would n't have done it ). Venmo cancelled my transaction of over {$1200.00} and took the money from my account. The issue is n't with the {$1200.00} ( if it is indeed fraud then I may be out that money and just have to " XXXX XXXX XXXX '' if you will ). The bigger issue is the over {$490.00} that is still in my Venmo account that I can not transfer to my bank account. Venmo is holding this money " hostage '' essentially. I have not heard back from their customer/account representatives and I need this money returned to me as soon as possible so I can use it to pay critical bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-05-2016 about Debt collection (Medical) with Medical Business Bureau (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Medical Business Bureau was disputed and it was removed from my credit report. They then added themselves back on my credit report without notifying me in writing. I have sent this company a dispute letter directly to have this incorrect information removed. I am now at the point of legal action if this is not removed with both this company and the original creditor as this is inaccurate information. As of this date they have failed to respond to my request. The law stipulates that they must investigate within 30days of receiving my letter. They have no followed the stipulations of the law. I will contact the federal trace commission and advise them of your apparent disregard for consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX is incorrectly reporting a 30 day delinquency that is not correct. I paid as agreed on the account and have never been late. The account is currently enrolled in a debt management program that has also been paid as agreed. I contacted XXXX XXXX and they agreed and refunded the late fee charge and indicated they would remove the derogatory reporting ( 30 day late notice ). They have not done so since contacted over 60 days ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: In mid XXXX XXXX, I filed a written dispute with XXXXXXXXXX, Equifax, and XXXXXXXX to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the XXXX XXXX verifying the debt belonged to me. I 've since received notice that my investigation was closed with all accounts verified from ONLY Equifax, but did n't get any proof from the XXXX XXXX or credit bureaus with the original signed document. My primary concern it that Equifax has incorrect information on my file, and this is prohibiting me from acquiring credit for life necessities. EQUIFAX IS REPORTING INFORMATION WHICH WAS REMOVED FROM THE OTHER XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Debt collection (Payday loan) with Cornerstone Mediation LLC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was contacted XXXX XXXX on my work phone and cell by Cornerstone Mediation. They contacted me about a loan I took out almost XXXX years ago. They said that they filed with the XXXX XXXX court and wanted to serve me papers if I did not call them back to setup payment arrangements. The next day after looking up the business online to see if it was a legitimate business and checking to see if there was a suit filed against me, which there was not, I checked my credit report and found nothing from this business was on my account. I reported them to the Better Business Bureau on XXXX XXXX 2015. I contacted the BBB today and XXXX who is handling my complaint told me that she sent out XXXX letters and has called with no response. I called as well and got a voice message saying " the person you are trying to call is not available '' another red flag. XXXX then told me to report to the FTC. The Business is : Cornerstone Mediation, XXXX XXXX XXXX, XXXX, New York XXXX. The toll free number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i can a XXXX buerue credit report through XXXX and noticed that XXXX and XXXX accurately reported while experian had somehow merged somonelses info onto my report causing my fico score to drop XXXX points on experian. we are trying to buy a first time home please help. 

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 12-03-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have submitted all info in reference to many accounts and inquiries opened in my name. I have provided police report, FTC affidavit, copy of my driver 's license, social security card, bill, etc. I have advised them that many of these accounts, broken lease ( which I have provided to XXXX ), inquiries, etc are not mine. I am livid, XXXX that I have done what I need to do, provided information, etc and still have not gotten correct remedies to the situation. I have attempted to reach out to these companies and have been advised that my information was used and provided ( hence the reason I have obtained a police report and FTC affidavit ). I should ONLY have inquiry fom XXXX XXXX XXXX, Department of Education, Walmart and Discover 2016 this is it ... XXXX was opened fraudulently in my name as I lived and have provided info to this company that I lived XXXX Tx, and have only had a XXXX. This is ridiculous as these companies are ignoring the fact that I have provided and stated this is fraudulent and are still reporting this on my Credit Bureau Report with no help from the reporting agency.

Company response to consumer: Closed with explanation