milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-11-2017 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (VA).
Issue: Managing the loan or lease

Complaint: I have been making timely payments on my auto loan. XX/XX/XXXX I made my regular monthly payment, due on XX/XX/XXXX. I then made my XX/XX/XXXX payment on XX/XX/XXXX. On XXXX I paid the bill timely. No principal was deducted from my loan balance with the full payment being applied to interest. I was told that I have no penalties for early payment but this is penalizing me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Credit reporting () with AMERICAN EXPRESS COMPANY (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: While reviewing my XXXX credit report of XXXX/XXXX/2015 and XXXX of XXXX/XXXX/2015, I discovered that AMERICAN EXPRESS employees had initiated an unauthorized and fraudulent inquiries into my credit report. I did not at any time relevant period authorize or consent for this review by the employees of AMEX. I request that AMEX provide me with any hard/verifiable evidence of my consent to this review. To this extent, absent my authorization, AMEX employees action ( s ) constitute a clear violation of my Privacy Rights and FCRA Section 1681 b ( c ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was told that i needed to make my car payment on friday in order to not have my car repossessed. I made my payment on friday at XXXX. I was not told that it had to be in at a certian time. " XXXX the supervisor '' is who I made this arrangement with. " XXXX '' ended up going home early on friday and didnt call the repo company to cancel the repo order he already had put in, and wasnt supposed have even orderedto according to or agreement. That Sunday they repossessed my vehicle. I called them on Monday, the apologized for the error, I went to the car repo center and got my car back, no charge.since it was their error. Now they have me listed as car redeemed and account closed. I still drive the vehicle and i am current. They admit it was their error, didnt even charge me to pick it back up acknowledging it was their error, but refuse to remove the credit report entry stating account closed car redeemed amount due XXXX. I have asked XXXX XXXX to fix this, he submitted a request. I got the request back in the mail saying they stand by their entry and will not change it. I called XXXX XXXX and asked him again. he said he will not change it and it is accurate. I said then I owe you nothing since you say account bal is XXXX. I said you cant have it both ways. so, either it comes off or i owe nothing as the report says. he refuses to make it accurate. I need your help this is a major problematic company with an excessive amount of customer complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (FL).
Issue: Shopping for a loan or lease

Complaint: I am XXXX XXXX XXXX during the month of XXXX XXXX XXXX I purchased a XXXX Nissan Versa from XXXX and my car loan was handled by XXXX. I have recently become aware of the fact that allyauto has been ordered to pay back customers that were profiled and charged higher interest rates because of race and ethnic background between the years of XXXX. Being that I am a XXXX citizen and I acquired a loan through XXXX i am concerned that I may have been a victim of this XXXX way of business.

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 06/15/2015 about Mortgage (Other mortgage) with Real Time Resolutions, Inc. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage was foreclosed on in XX/XX/XXXX. Real Time Resolutions purchased it after. I have been trying to have this entry removed form my report and disputed in in XXXX, XXXX, and XXXX. Real time response was that it would be corrected and removed by XX/XX/XXXX. To date, it has not When I tried to disputed it again, since they have NOT been at all truthful and lawful since this ordeal began. Their response is that the dispute has been settled. IT HAS NOT. I am requesting to have t his entry taken off off all of my reports immediately. I consulted an attorney and he indicted that because they Realtime is doing this as they ca n't legally come after me. This is XXXX way to keep my credit report flawed.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
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 to all three major credit bureaus copies of all checks that were made on my VA mortgage loan with XXXX since XX/XX/XXXX.  The checks clearly show the payment made, cashed date by XXXX   where they used XXXX XXXX bank. I also submitted to each of three major credit bureaus the payment history sent to me by XXXX since acquiring the loan. Yet ... I still do not show the payments, cashed checks being credited and corrected to my credit report. I only show on some credit reports XX/XX/XXXX, XX/XX/XXXX. Another XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX. Then I see another error with XXXX showing a MAJOR incorrect issue with the loan over {$200000.00} which is also incorrect. 
All three credit bureaus, you have received the proper legal paperwork showing all payments, cashed checks and payment history. I am asking before seeking media assistance in resolving this ongoing issue to please correct and credit my personal credit reports as should show reflecting as I submitted to all three credit bureaus via mail. That information was sent, received over a month ago. Yet, still my credit reports are not correct. 
This will be the final time, in which, if this does not finally get addressed I will be contacting media with regards to this simple issue that should had already been resolved. Such an easy issue, yet still after submitting all proper evidence showing all the payments I have made on this loan. All three credit bureaus still do not have the information, payments, my FICO score reinstated as rightfully should reflect on all three reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/23/2015 about Debt collection (Medical) with Credit Collections U.S.A., L.L.C. (WV).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Received credit report and noticed that an account was turned over to collections. I was shocked and appalled. Do not recognize this account. However I do recognized XXXX XXXX XXXX XXXX of XXXX. Services were provided in 2013. I never received any notices that bill was past due. I also felt that XXXX XXXX XXXX XXXX XXXX XXXX was to have filed a claim on my behalf in accordance with MEDICARE procedures. I checked with MEDICARE and was informed that they show no records of any claims in the amount of {$850.00}. XXXX stated that in order to process bill, I must completed the XXXX form and return along with the bill. No correspondence ever received stating that claim had been denied. Lead to believe that bill had been processed. Feels like I am getting the run around and am being penalized for the non-actions of others.

Company response to consumer: Untimely response
Consumer complaint received 09/20/2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: THIS IS NOT MY ACCOUNT. I HAVE DISPUTED WITH CREDIT BUREAUS AND IT COMES BACK VERIFIED. I HAVE NEVER APPLIED FOR CREDIT WITH THIS COMPANY, PLEASE REMOVE FRAUDULANT INQUIRY ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Hello CFPB, My complaint is regarding the Automatic PMI termination requirement to my loan. After multiple written attempts to PNC Mortgage, I finally received a response to my inquiry about automatic termination of my PMI and whether I had reached the loan to value ( LTV ) threshold for termination. PNC Mortgage provided written correspondence ( dated XX/XX/XXXX ) that stated the following : " At the present time the LTV in your property is XXXX % '' and they went on to communicate how this value is calculated. Instead of communicating that the Homeowners Protection Act requires the PMI I pay on my loan be terminated once I 've met the XXXX % threshold, they provided me with information on how I can Request PMI cancellation and pay for an appraisal through an entity affiliated with PNC. 

I recognized steering me to a cancellation process ( where I have to pay for an appraisal ) might be an oversight because within the letter they also provided me with my " Appraised Value at Loan Origination '' and after applying the calculation within their correspondence letter I calculated the same XXXX % LTV ratio that was quoted by PNC Mortgage. This ratio should trigger automatic PMI termination but it was not communicated in the correspondence ( dated XX/XX/XXXX ) or in the next correspondence ( dated XX/XX/XXXX ), after I brought this to PNC Mortgage 's attention. The follow up correspondence ( dated XX/XX/XXXX ) surprisingly neglected the fact that my LTV ratio is XXXX % and instead communicated that now " The PMI is scheduled to automatically delete on XX/XX/2017 '', when I reach the LTV ratio of XXXX % which is a complete disconnect from the previous correspondence. I have not been provided with adequate correspondence as to why my loan with an LTV ratio of XXXX % is not set to terminate automatically. I should not have to pay for an appraisal based on the requirements within the federal law and now I am paying additional PMI even after reaching the termination threshold under the law. Attached are the two correspondence letters that were provided to me by PNC Mortgage supporting my complaint. 

Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TIDEWATER FINANCE COMPANY, INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I WENT TO XXXX TO SEE IF I QUALIFIED FOR ITEMS I DID AT PIONEER FINANCING AT THE TIME NEVER PICKED UP OR RECEIVED ITEMS THEY HAVE BEEN CALLING SENDING LETTERS I HAVE TALK TO THEM THEY WILL NOT TAKE THIS OFF OF MY REPORT .I DO NOT HAVE AN ACCOUNT WITH EITHER COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Mortgage (Conventional home mortgage) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Trouble during payment process

Complaint: The tax escrow that is charged to me every month in including an entire year of two of my tax bills each month - - -instead of 1/12 of those taxes that will be needed in my escrow account. 

I have spoken to customer service, the tax adjustment group, and the escrow analysis group on XX/XX/XXXX, XX/XX/XXXX and now on XX/XX/XXXX. Each time I am assured that the problem will be fixed - but it has not been. 

The bank - - -Citizens One, has now begun to call me and threaten forclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. 2016 CFPB Re : Complaint Number XXXX Ladies/Gentlemen : I have received your letter of XXXX 2016, informing me that the collection agency XXXX is discontinuing its collection efforts, as they are required to in disputed cases. 

I have also received another collection notice, this time from RPM collection agency ( Receivables Performance Management, XXXX. XXXX, XXXX WA XXXX ) telling me that I owe {$100.00}, please pay, etc. The XXXX account ( XXXX ) is the same in both cases ; the XXXX Collection department has not responded to the CPFB notice, apparently. 

In my email to you of XXXX stating the details of this case I listed five separate contacts we had with the XXXX Customer Service personnel ; each time we were told " Do n't worry, the account balance is XXXX, there was a system glitch. '' ; but each time there was another bill from XXXX for the same discontinued service. This has now gone on for 14 months, and still continues. 

It is a simple matter for XXXX to verify that there has been no activity on the lines in question since the original service cancellation, they have usage statistics for all digital lines ; thus, there is no basis for these continuing debt claims, and the XXXX Customer Service people seem to be aware of this. It should be quite clear that there was an accounting error. 

The fact that the XXXX Collection department keeps repeating this claim, evidently in hopes that I will simply give up and pay, just to avoid further nuisance, amounts to harassment. Is this really so hard to get resolved? Is this not what the CFPB was created to deal with? Please try once more to get this stopped, for good. 

Thanks, 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 04/14/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Other

Complaint: On XXXX XXXX, 2015 Citicards announced it was providing FICO scores to its cardholders. I have attempted to access my FICO score via the home page of my citicards.com website but have consistently received timeout error messages each time I attempted to access this " benefit ''. Approximately 3 weeks ( XXXX 2015 ) ago I was contacted by a citicard representative after I responded I was dissatisfied with citicard services on an online customer service survey citicard sent me. The representative attempted to resolve my login problem but was unable to access my FICO score. The representative noted that citicards had an " open ticket '' on cardmember inability to access their FICO scores and promised to send me an update within " about two weeks ''. I never received an update. 

I contacted citicards again today ( XXXX XXXX, 2015 ) after continued inability to access my promised FICO score. After 30-40 minutes online with a representative who attempted to access my FICO score many times via many methods ( and with one or more managers ), the citicards representative ( s ) could not access my FICO score. The representative said she would submit another " ticket '' and that I would be notified if the problem would be resolved. She was unable to tell me how much time might elapse before I was updated on the status of this issue. 

Citicards has made a big deal about providing FICO scores to its cardholders. In my case it has continued not to be able to fulfill that benefit offer. I have expended several hours of time, and quite a bit of frustration, attempting to access this " benefit '' and am aghast that Citicards has been unable to resolve this issue. I have been a Citicards card holder for at least 15 years but I do not intend to do business with companies that offer benefits they do not provide.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (WA).
Issue: Account opening, closing, or management

Complaint: I am a USAA member. In 2014 after a divorce and layoff I ended up filing a Chapter XXXX bankruptcy.. I reaffirmed on my auto loan through USAA and never missed or was late on a payment. USAA failed to file the correct paperwork with the court which almost a year after my discharge date allowed the trustee to void their lien on my car and take my car. USAA then reported my account as a chargeoff and repossession, and locked me out of my accounts. 
It took me several weeks of phone calls and hours of hold time to finally get partial access restored. However, I still have no access to my Insurance or my retirement accounts. USAA said that this is because I filed bankruptcy, and there was a large sum of money they could not collect. The Bankruptcy is true, however, any lose USAA suffered is due to there failure file reaffirmation paperwork. I was paying the loan on time which my credit record will show, and would have paid the auto loan of as agreed. Furthermore, the restricted access and inability to access my accounts has cost me thousands of dollars in investments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Recently I have received credit card ( mailed  ) by Synchrony Bank, without my previous request. When I tried to activate the card, I was mislead to close my old account and open a brand new one which caused negative effect on my credit score and affected all my future financial plannings. I reported this situat ion to the Bank, they shown little understanding about the situation they involved me, in which by my opinion I was dragged in without my request or desire.

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 Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I had loans carried now by navient and i have been XXXX and XXXX XXXX for 5 years and was given student loan forgiveness and these people still have not closed the loans and still 6 years later are showing up as 5 years late fees forbearance s destroying the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Consumer Loan (Installment loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Shopping for a loan or lease

Complaint: XX/XX/2016 I was researching for a good option to payoff a high interest mortgage I have on a property. I came across a good opportunity from Bank of America and started the application process for a line of credit. They asked for a good estimate of the value of my property and request my realtor to prepare a value analysis, he told me I can market it at least at $ XXXX. I requested a $ XXXX line of credit based on this number. After a month of sending tons of papers and information they came back telling me my property was appraised at {$560.00} based of some data. At that time I requested a full appraisal of my property because I did a lot of improvements to it with add value. To my surprise, the bank assigned the same company and the same XXXX who did my appraisal 2 years ago and came really low did this appraisal again. XX/XX/XXXX the bank called telling me the property was appraised at $ XXXX, totally disappointed, he did not even considered the money I spent in the remodelation and extra futures. When I requested copy of the appraisal I found out that it had a lot of discrepancies, and it needed to be reconsider and I also sent more comparables since the appraiser said he was not able to find recent comps for my property and he used some that had more than a year ago! Today I received a call that my petition came at the same price! They not only waste my time, my money, my patience but also are damaging my credit! They even endorse my policy with a loan that it seems they did n't want or have interest in giving ... totally disappointing. I hope no other clients get damaged the way I was.

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 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unknown inquiry on my credit reports from Ally Bank XXXX/XXXX/XXXX ... I have NOT authorized verbally, physically, or electronically any application, nor requested credit, or any account by this organization! Nor do I know who they are. Also, I have a identity theft report filed with my local police department.

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 07-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I moved several times and was not getting my statements. Each time I moved I updated my address, and still never received payments. I want to pay off the debt, and want the lates removed.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Auto debt) with FORD MOTOR CREDIT CO. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I have old auto debt from 2007 and my car was voluntarily repossessed. My father was the co-signer and they keep harassing my father. He is not employed. They have filed a judgement against him and they were taking money from his checks when he was working. My father is very sick and I am not employed either and XXXX and XXXX continues to harass us by sending us court papers to try to collect this old debt. We do not have this money. They already have the vehicle and have resold it.

Company response to consumer: Closed with explanation