milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/30/2016 about Consumer Loan (Vehicle loan) with Fleet Financial, Inc. (CO).
Issue: Shopping for a loan or lease

Complaint: I sent a query to XXXX XXXX, an online auto loan company. A company, Fleet Financial, responded and I asked for a quote. I subsequently decided to go with another lender. However, Fleet Financial sent me a notice afterwards that they rejected my loan and sent a notice to the XXXX credit-reporting agency. My credit is not bad, in fact is in the top XXXX %, and I have no delinquencies etc. as Fleet Financial claims. I secured a loan without problem from a credit union. I believe Fleet Financial 's action is an act of retribution to offset my rejection of their loan. I will communicate with the credit union, but I think this kind of activity is at the least unprofessional and at the worst harmful and damaging of character and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (Medical) with Financial Corporation of America (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: We received medical care on XXXX XXXX, XXXX from XXXX of XXXX. After insurance, we were billed for over {$1000.00}. We paid the bill down to {$500.00}, and in XXXX we had enough money to pay the remaining amount and did so. We remitted this amount directly to XXXX on XXXX XXXX, XXXX, paying our account down to XXXX. A week later, the week of XXXX XXXX, we received a phone call informing us that XXXX had sent our account to Financial Corporations of America, a collections agency, for the {$500.00}. We informed them that we had just paid that amount the previous week. Financial Corporations apologized and said that they would confirm with the hospital that nothing more was owed. Then the following week, the week of XXXX XXXX, we received another call from Financial Corporations. We reminded them that we had spoken the previous week and that this debt was no longer owed. They found the note in their system and said that they had not yet received confirmation from the hospital. On XXXX XXXX we received a letter dated XXXX XXXX saying that we still owed {$500.00}. We contacted them and informed them again that we had paid that amount, she replied that they had contacted XXXX and XXXX said that we still owed that amount. She said that we needed to send a copy of our bank statement to the collection agency showing that the amount had cleared. We asked if there was someone at XXXX who needed to be contacted, and she did n't have that information.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Debt collection (Credit card) with Stenger & Stenger, P.C (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I already paid this debit prior with another credit agency, But now the debt has changed names and been sent to someone else to deal with even though it was already paid. I sent letter by certified mail to collector back on XXXX/XXXX/2015 asking for validation of proof that I owe debt from previous credit agency which was signed and received on their end on XXXX/XXXX/2015 and informed them of the FDCPA and that they are given 30 days to get this information out to me or else they would need to stop any debt collection from me. Now we sit at XXXX/XXXX/2015 and no information as of yet. I contact the collector and was informed that on XXXX/XXXX/2015 they mailed out information claiming validation of my debt and that the process took longer than 30 days to collect and that I should receive it in the mail in a few days. In the meantime the collector is filing default on me regarding this debt stating that I owe it which I do not and with that certified letter I sent was all the proof they needed to see that it has been paid for but regardless they want to still pursue to collect. They have violated the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan was transferred Loancare about XXXX month ago. As result of the transfer my monthly payment went up by {$110.00} per month. Loancare made an error calculating my escrow deduction by double counting annual tax payments. I 've been trying to resolve this for XXXX month now. I 've called many times, escalated cases to both escrow and tax departments, was hung up on several times when asked for a supervisor. Finally got to a supervisor, and was promised a XXXX day resolution, that was XXXX days ago and still no result. Not sure what to do now, but definitely can not afford paying additional {$110.00} per month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit card () with WELLS FARGO & COMPANY (GA).
Issue: Closing/Cancelling account

Complaint: I have been a member of Dillards card services for about 21 years and they were acquired awhile ago by Wells Fargo bank. Well I lost my job in XXXX and am just getting another job but I am paying my bills consistenly with the exception of a few months that I missed. My last payment of {$90.00} was paid on XXXX. which left my balance at {$80.00}. No high balance. However, I checked my credit card statement today to find out that Wells Fargo arbitrarily closed my account and when I called Dillard 's to inquire about their decision, I was told that they could not speak with me and I was hung up on. I thought that we lived in America! I never knew that a company/Bank would take this type of action without informing their loyal customers first. However, I can not to get any straight answers as to why this action has occurred. I called again and paid my past due amount because they could not answer any questions until that was done. In addition, no one could give me a manager 's name to provide you with. I was simply told that I was being transferred to the executive offices of Dillards and placed on an indefinite hold with me never having reached a manager to speak with. The teller told me that they had many managers on duty, so I wonder why was it so difficult to speak with a manager. This action was arbitrary and mean-spirited. Customers lose their jobs all the time in this economy, but are allowed to catch up their bills at a later time. I was in the process of doing so when my account was closed by Wells Fargo with no one supplying the name of who committed this action. Instead I am being assigned a case worker, XXXX XXXX and was told that he would be working on my case and would be getting back with me. I have never been so insulted in my life. I have treated like a deadbeat instead of loyal customer of 21 years. It saddens

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 04-12-2018 about Debt collection (Medical debt) with The CMI Group, Inc. (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I have made 3 phone calls to the credit collection agency, CREDIT MANAGEMENT, L, advising them that my debt with XXXX was discharged as part of my chapter XXXX filing MY case number with the collection company is XXXX and I spoke with XXXX XXXX - Supervisor in XXXX MN, who promised to address the incorrect reporting but to date no attempt has been made by CREDIT MANAGEMENT, L, to remove the erroneous reporting on my credit report. The debt has been discharged and XXXX XXXX should not be trying to collect on a discharged amount.

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 09-11-2017 about Debt collection (Mortgage debt) with WELLS FARGO & COMPANY (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: On XX/XX/XXXX I received a Notice from XXXX XXXX XXXX, XXXX dated XX/XX/XXXX stating they were initiating foreclosure proceedings and the Notice stated that " The following information is provided to you as required by the Federal Fair Debt Collections Practices Act ... This is an attempt to collect a debt, this is a communication from a debt collector ... '' On XX/XX/XXXX, I  sent a letter via certified mail to XXXX XXXX. XXXX, XXXX requesting verification and validation of the alleged debt. To date, I have never received verification and validation of the alleged debt. On XX/XX/XXXX, XXXX XXXX XXXX, XXXX filed a non-judicial foreclosure action against me to dispossess me of my personal private property without a legal right to do so. 

In XX/XX/XXXX, I filed an FDCPA claim against XXXX XXXX XXXX, XXXX and their employees for the illegally filed non-judicial foreclosure action. On XX/XX/XXXX, the United States Court of Appeals for the Fourth Circuit, Appeal  Number XXXX, determined that XXXX XXXX XXXX, XXXX and its employees were " debt collectors. '' In the XX/XX/XXXX opinion it states " In sum, we hold that ____ complaint adequately alleges that the XXXX XXXX and the Substitute Trustees were debt collectors and that their actions in pursuing foreclosure constituted a step in collecting debt and thus debt collection activity that is regulated by the FDCPA. '' On XX/XX/XXXX, in a later Memorandum and Order the judge stated I sufficiently stated a claim under 15 USC 1692g ( b ). The judge is now stating the XXXX XXXX and substitute trustees never verified and validated the alleged debt back in XX/XX/XXXX and had no lawful nor legal right to file the non-judicial foreclosure action without verifying and validating the alleged debt.

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 12-11-2015 about Debt collection (Credit card) with Global Asset Management Group, Inc. (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Collector called, provide information on the account without verification. Threatened to have law enforcement at my doorstep within 30 minutes if payment was not received. Accused us of being deadbeats for running up the credit and not paying it off. When asked to verify agencies information ( name, address, professional license number ) became more aggressive and disconnected the call. When I attempted to contact the agency for the details, I was transferred to another collector ( XXXX XXXX ) that the previous collector ( XXXX XXXX ) was no in charge of the account. I have tried to verify Professional License XXXX through various agencies and I have not been able to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I HAD A JUDGMENT ON MY CREIT REPORT I HAVE PROOF IT HAD CAME OFF MY CREDIT REPORT AND SOME OW IT CAME BACK ON AFTER IT WAS TAKING OFF

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CO).
Issue: Closing on a mortgage

Complaint: URGENT!!! NEED HELP ASAP!!! ( Supposed to close loan on XX/XX/XXXX ) I 'm more than happy to provide more information upon request. When I purchased my home, I financed with XXXX. That loan was sold to XXXX XXXX XXXX, where I had a few loan modifications over the years. The loan was then sold to Carrington mortgage services. Carrington is now saying I owe $ XXXX more than what I actually owe, and they will not provide documentation or research the issue in a timely manner. I am aware that I owe the deferred amount from the loan modifications on my loan, however they are saying I owe the modification pay-off twice over. We are supposed to close on the house sale on XX/XX/XXXX. We have been trying to get this resolved for nearly 4 weeks, with absolutely zero response. We have been asked to contact Carrington 's  research department via Fax, but are also getting no response. I am desperate for an answer by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed incorrect information on my credit report with Experian Credit Bureau and they will not change the reporting history on my account. I have submitted documentation to support my dispute, but they still will not change the history on the XXXX account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of identity theft for over five years. I have filed multiple complaints and disputes with Equifax XXXX and the Federal Trade Commission. On numerous occasions, Equifax XXXX has blocked and/or froze my file, which hindered me from getting a copy of credit bureau reports and the deletion of erroneous information. My consumer credit rights, have been continually violated and disputes have been ignored. I have sent in countless copies of my drivers license and social security card, yet the erouneous information remains. 

I currently have the following listed on my reports : XXXX XXXX XXXX Collection accounts that were not opened by me ( XXXX XXXX Credit inquires that I did not authorize. 
( XXXX XXXX Addresses in multiple states that do not belong to me. 
( XXXX XXXX Social Security card numbers XXXX XXXX XXXX Date of births including years XXXX XXXX XXXX Employers, XXXX of which I have never worked for. 

I am requesting that my credit bureau reports be accurately adjusted to reflect the truth!

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Account opening, closing, or management

Complaint: In XXXX of XXXX, PNC Bank had a publicly available {$400.00} bonus offer on their website https : //www.pnc.com/en/personal-banking/banking/checking/campaigns/checking-offer-for-PNC-customers.html The offer stated : " Add a checking account to your existing banking relationship with PNC. Open a qualifying checking account ( Virtual Wallet with Performance Select or Performance Select Checking ) online and get {$400.00}. Simply establish a qualifying direct deposit of {$5000.00} or more within first 60 days and make at least one payment with PNC Online Bill Pay. '' Expiration was XXXX/XXXX/XXXX. I followed the instructions and met all the requirements of this offer. I had an existing relationship with PNC ( a saving account opened prior to that ). On XXXX/XXXX/XXXX, I opened a Performance Select Checking account online on PNC website stated above. I made several qualifying direct deposits of more than {$5000.00} within the first 60 days and made several qualifying payments with PNC Online Bill Pay. Recently, in XXXX XXXX, I called PNC to inquire about the status of my bonus and a representative stated that she did not see the promotion on my account. She said that she needed to send an inquiry to their escalation team. Then she asked me to provide her the advertisement of the offer. I can not locate it any longer since the offer is expired on XXXX/XXXX/XXXX and PNC pooled the link with the promotion off the internet. Now I can not prove to PNC that they advertised THEIR publicly available offer on THEIR website.The representative called back and left a voicemail that they refused to add the promotion to my account. To me this is a deceiving practice of the financial institution if they can not honor their own promotion after a customer met all the requirements of it within qualifying period of time. This was not targeted but PUBLICLY AVAILABLE offer and PNC should be able to find the details of it in their database and add it to my account while by some reasons it was not added automatically by their system at the time of my opening the account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (OH).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I opened XXXX XXXX  accounts. XXXX later sent me a XXXX Credit Card application. I applied (XX/XX/XXXX) for the XXXX credit card. A company named " XXXX XXXX XXXX  ( Card Member Service Phone XXXX   ) '' sent letter ( XX/XX/XXXX) denying credit due to a credit freeze I had place with all credit agencies : XXXX XXXX and XXXX, due a credit breech and ID theft in my past. I called XXXX several time and all credit agencies. All credit agencies said to set up a one time password for XXXX to use to check my credit. XXXX refused to use the recommended safe and secure path as recommended by all the credit agencies. XXXX  said I had to completely remove all credit freezes. This would be a crazy thing to do! XXXX  refused to process the credit application.

Credit security is very serious and XXXX is not up to date or blind of modern scams and credit breeches! XXXX refused to use the PINs for the one-time-credit-check recommended by : XXXX XXXX  and XXXX credit bureaus.

I also complained to : XXXX XXXX XXXX XXXX  and XXXX  and had no success! The one-time PINs is a good safe process that XXXX  refused to use to check my credit for the credit card application.

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 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
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 2017 XXXX 2017 I called in to make my car payment via phone due to having to update my banking information Checkings Account Number and Routing .... I was speaking with a rep that was not to fluent in English and continuously kept asking her to repeat my account number back to be to ensure accuracy ; however, she would not she just kept stating she had to correct number due to her frustration. 

In turn, I was docked for being late 2 months in a row due to the bank account number not being found upon the company processing the payment ; however, I was not notified until calling in to process another payment. 

I have disputed this information via the CRAs and with the XXXX Executive Relations Department ; however, they are stating that I am responsible for the information the rep inserted even though I clearly asked her multiple time to repeat the account information back to me after multiple attempts. 

I have been a XXXX customer for almost 3 years with no lates until experiencing this issue and everytime I try to resolve the issue I am informed they will no longer investigate because the information is correct even though the error was simply due to an error with the customer service rep.

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 01/17/2017 about Debt collection (Auto) with TCF NATIONAL BANK (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Threatened to reposes a vehicle I traded in on XX/XX/XXXX at dealership if I did not make last payment. Asked for {$280.00} and my payment is actually {$340.00}. became verbally abusive to my mother and falsely represented himself calling my place of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted my Identity theft form to XXXX and they have denied to delete the Multiple fraudulent inquiries that are not permissible and I did not authorize them! Also, the fraudulent accounts that I did not apply for XXXX XXXX no contract with the company fraudulent, XXXX XXXX XXXX fraudulent account, XXXX XXXX XXXX, and XXXX XXXX fraudulent accounts. The inquiries are XXXX XXXX XXXX  that are listed multiple times, also XXXX, XXXX, and also XXXX. I have decided to take this matter to civil court in my area for proper and ethical resolution! I was trying to avoid litigation as I know there have been previous successful precedents such as XXXX vs XXXX, that suggest The courts would find in my favor, but XXXX has repeatedly violated section 609 ( a ) ( I ) ( A ) and section 611 ( a ) ( I ) ( a ) ( A ) which clearly states that the company must present original documents or Signed contracts! If the accounts are not deleted within 10 days I will forward the information to my attorney! XXXX and XXXX have deleted the above inquiries and accounts that have been listed as fraudulent!

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: I have been requesting verification of the following account that Experian continues to report on my credit file chapter XXXX bankruptcy and chapter XXXX bankruptcy. Experian listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/XXXX. OnXX/XX/XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with Agent XXXX and he informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. OnXX/XX/XXXX I also contacted the number listed at the bottom of my XXXX XXXX confirmation paper XXXX and spoke to Agent XXXX and she also advised me that my security freeze was confirmed and set into place as of XX/XX/XXXX She also stated that there is NO inquiry from Experian or mode of verification from XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Experian shows as reported on XX/XX/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