milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/15/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease

Complaint: Extremely poor customer service & tracking/monitoring for consumer payments/payoffs.submitted a payoff a month ago still not processed, improper credit mark This company has extremely bad customer service and a very bad process to track payments and payoff checks. I 'm a military member whom send Chrysler Capital account number XXXX a cashiers check for the loan payoff amount of {$27000.00}. Three weeks later this payment has still not processed and because of this I received a late credit mark on my credit report which is showing more than 30 days and my score dropped by XXXX points. This payoff check was overnight to the company more than three weeks ago. It was XXXX overnight delivery service and was signed for by XXXX of the employees at the company. I have called a numb of times and keep getting told that there is no way for them to track checks that they have received. XXXX XXXX XXXX XXXX i find this extremely unprofessional, how can there not be a tracking mechanism for consumers who submit cashier or personal checks. How can there not be a mechanism for consumers not to get penalized in their credit reports for paying off their accounts on time. In over 15 years of dealing with finance companies this is the worst I 've ever seen. Their customer service is horrible, no one knows how to provide the proper answer or help the consumer. I find this very unprofessional, very unethical, for consumers such as me that work hard to keep their accounts current, to keep a good credit standing and the bad business practice of finance companies like this do not due their due negligence and try to hurt consumers credit standings to charge higher interest rates. The practices and customer service of this corporation are completely unsatisfactory. Please assist me in solving this matter and fixing my credit standing, thank you for all the assistance. XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Application processing delay

Complaint: I applied a XXXX Credit Card from American Express, several days later they sent me a letter to ask for my Social Security Number. So I mail them the copy. Then I got another letter from them again, being told that the copy is not acceptable. They did not tell me what they need exactly in the letter, when I called, they said they need the original letter from SSA office. So I went there, waited for about XXXX hours, and the officers told me that they already stopped issuing so-called " original Letter '' from XX/XX/XXXX. So, how can I get that? I called American Express again, they told me that I need to get my Social Security notarized, so I did that again, it cost me {$10.00}. I mailed that to them on XX/XX/XXXX. Today ( XX/XX/XXXX ) I called them again, they told me that this notarized Social Security Copy is not acceptable again, they could do nothing but cancelling my application. I do n't understand why I got this decision after I did all they told me to do. They just fool me around, making me spend my time and money for nothing. 

My tracking number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
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: My credit Report has negative information for over 10 years, which should be exppired. They have not done so to this day  XXXX   XXXX ,  2017 .

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 06/14/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am a victim of identity theft and someone stole my personal information and opened up XXXX credit card accounts with Capital One Bank. I never applied for a credit card with Capital One Bank. The XXXX credit accounts are unauthorized, fraudulent and do not belong to me. I have sent numerous letters, police reports and copies of my Minnesota drivers license and social security card to Capital One Bank and have informed Capital One Bank about this matter numerous times. The following accounts ending in : XXXX and XXXX, do not belong to me. I will not send any further correspondence to or communicate with Capital One XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Credit card protection / Debt protection

Complaint: On XXXX/XXXX/16 a charge of {$720.00} was processed on my XXXX card by XXXX XXXX. This charge was totally illegal since I have no contract with XXXX and they did not have my permission to use my card. I disputed the charge to Chase Bank, but they denied me a refund, saying that the debt to XXXX XXXX was legitimate. I appealed it and they again denied me. 

This is the situation. My employee 's mother had a contract with XXXX XXXX. Her daughter works for me in my small business. Since XXXX of them do n't have checking accounts or credit cards my employee would often ask me if I would pay bills over the phone with my credit card and then she would reimburse me with cash. I had no objection to do this since it made things much more convenient for my employee and there should have been no risk on my part. Every time it was used, either I called it in personally or my employee called with me next to her. She never had my credit card info to use on her own. The credit card was never on automatic payment with XXXX nor was the card ever out of my sight. The last payment I made was on XXXX/XXXX/16. Then four months later, on XXXX/XXXX/16 XXXX XXXX retrieved my credit card info from their old records and used it to charge the incredibly large amount of {$720.00} without my permission to satisfy a debt my employees mother allegedly incurred. 

Apparently, both XXXX and Chase have made the incorrect assumption that since I used my card to make some prior payments for someone else, I forever have assumed all current and future liability for that person 's account with XXXX. That assumption is legally incorrect and I implored Chase to process a chargeback for {$720.00}. There is nothing in their cardmember agreement or civil law that backs up XXXX XXXX 's actions. I am not disputing whether or not the monies are owed by my employees mother or not but rather that they are billing me since it is not my liability. Since my exposure is to my credit card bank and I have no relationship with XXXX, Chase bank is the only party I can pursue. I feel XXXX giant conglomerates are in collusion to take my money even though I have no legal obligation to XXXX. I probably will never be able to collect that money from my employees mother. This is a case of being powerless to big business.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: inaccurate information showing up on my credit report that are not mine or balance

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 06-02-2015 about Consumer Loan (Pawn loan) with S.O.S. Loans, Inc. (CA).
Issue: Can't contact lender

Complaint: While checking my personal credit report, which I acquired from XXXX I noticed an inquiry made by your company " SOS LOANS INC '' on XXXX/XXXX/2015. 

I did not authorize anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX of 2015 an auto pay was set up for equity line with XXXX through our XXXX personal account but amount was set up wrong only because our first statement reflected partial month. Our payments were made on the same day of each month in the sum of {$400.00} instead of the {$680.00} which was the correct amount. We have another mortgage with XXXX for which we have been making an extra payment of {$2000.00} per month for the past two years to reduce principal. Lender never notified us about the shortage in payment via phone, text or email -although this information was provided to them ( myself, my husband or my office ) nor did they ever send a late payment letter in the mail until XX/XX/XXXX. Due to the lender 's failure to properly notify us. We have several mortgages with our businesses, credit lines and credit cards and we have never been late for the past 25 years ) our credit score dropped almost XXXX points and line was closed. If lender -had given us a fair chance to remedy the error, this problem would have been resolved immediately. 

remove late pay from all XXXX credit bureaus- an inadvertent error in auto pay amount when payments were made every month & when a payment of extra XXXX was made to the same lender on another mtge is totally unfair and prejudicial - consumers with no late pays for 25 years do not deserve to have their credit ruined when lender could have made sure to contact them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-05-2017 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In XXXX of XXXX the IRS filed a tax lien against a Condo I own. The taxes owed were not owed by me, and were in dispute. 

I settled the tax matter with the IRS, and the Lien was removed from my property. XXXX has removed the public record from my consumer credit file. 
Equifax has not corrected the entry. I have disputed the item with them two times. They have NOT changed the status or amount. So it looks like I still owe {$17000.00}. 
When I applied to refinance my Mortgage I was declined due to the outstanding federal tax lien. Which has had a zero balance. Attached is a copy of the notice from the IRS showing the Lien was Released on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a negatively amortizing adjustable rate mortgage that I 've had since 2007. Since my loan, originally with XXXX XXXX XXXX, has been transferred to Nationstar, they have not been able to adjust payments according the terms of the Note despite my spelling the terms out for them. It is now time for another adjustment and I went to make my payment online and they 've adjusted my payment incorrectly again. I can not make my next payment on their website because the site gives me no option but to make the incorrect payment. 

I am also in the mortgage business and I am aware of others to whom this has also happened with Nationstar as their loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
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: Since XX/XX/ 2017 I have been sending dispute letters every 30-40 days requesting a thorough investigation of erroneous and unknown items on my credit report. I asked that I be provided with legitimate verification as to how, by law, the disputed and negative inquiries and accounts arrived on my report. I asked that proof be shown with original contracts and my signature. 

I have sent each request certified mail. Each time I get a letter back with very little information and the bureau stating that it " re-investigated '' my dispute. However, the items remain on my report without verification being provided or explanation. The Bureau generically states " verified. '' Also, my inquires are not being responded to within 15 days. I also demanded, for that reason, that because they violated a consumer credit law, to immediately delete the disputed items. 

Also, during the time of disputes, the Bureau has inserted additional unverified accounts onto my report. 

I have explained that this whole process has been costly and stressful. The Bureau continues to disregard my requests.

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 11-11-2016 about Debt collection (Medical) with Paramount Recovery Systems, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt of {$21.00} was paid directly to XXXX account through the XXXX office. XXXX at XXXX confirmed that I in fact had a zero balance. I called Paramount Recovery at XXXX on XX/XX/2016 @ XXXX AM and spoke with XXXX who informed me that she spoke with their client and they told her I had an outstanding balance which was not the case. I explained that I had just gotten off the phone with them and they confirmed the zero balance. She insisted that I still owed the paid balance so I offered to conference the billing dept from XXXX in but XXXX declined my offer.

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 06-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Pinnacle continue to report this account on my XXXX and XXXX reports after this was resolved with the original creditor. I 've called the company was hung up on by XXXX and XXXX. I was switched to a XXXX and a XXXX law, a man answered the phone and sounded very tired and saidthis was resolved over a XXXX ago and said hhe 's not license for the state of ct. Pinnacle refused to help and delete this erogenous information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CONTRACT CALLERS INC (CT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was contacted by letter from Contract Callers, a debt collection agency, regarding a balance I owed to XXXX gas. The balance due was {$400.00} The letter was a settlement offer. They offered me to pay {$200.00} and my debt would be considered settled in full. I spoke to XXXX XXXX and was assured if I paid the {$200.00}, I would owe nothing else on this bill. A month after paying I received a collection letter from another agency for the remaining {$200.00}. XXXX XXXX told me my account was still open for the {$200.00} balance. I called Contract Callers and was told that my debt was only settled with them, not with XXXX XXXX - that all that happened by me paying the {$200.00} was that I was no longer in collection. My account had not been settled with XXXX XXXX and I still owed that money. They would not send me a copy of the letter I received stating that my account would be settled in full so I could have proof of the exact wording that was used. And I was told that it should have been explained better to me and that the woman I spoke to when I paid should not have told me my I would owe nothing else on this bill.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 03-04-2018 about Debt collection (Medical debt) with LJ Ross Associates (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I noticed something wrong on my credit report I notice a company by the name of LJ Ross Associates was listed and stated that 2 account was opened XX/XX/XXXX and closed XX/XX/XXXX and I supposedly owe them ( 1st account ) {$70.00} and the ( 2nd account ) {$1900.00} which is not true at all, I have no clue of what this is. So I sent LJ Ross Associates a dispute letter on XX/XX/XXXX no response sent another letter on XX/XX/XXXX thru certified mail and they responded with a letter stating that the account was verified, How? it's not my debt there is nothing with my signature on it making this phony account legit I then contacted my lawyer and she told me to file a complaint with CFPB because the documents they sent me is not valid and those documents does not validate anything so here I am. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: All three credit bureaus ( XXXX, XXXX, and TRANS UNION ) are reporting incorrect information in regards to my Child Support Account. It registers that I 've paid 100 % of the balance but my report remains effected by late payments. Please help me to get this resolved. 

You 've paid off 100 % of the original amount. 
Balance {$1500.00} Highest Balance $ XXXX Monthly payment {$300.00} Opened Unknown Term months Payment History Youve made 95 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status 120+ Days Late Worst Payment Status No Info Account Details Account status Open Type Child Support Responsibility Individual Remarks 150 Days past due Times 30/60/90 days late

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 02-04-2017 about Mortgage (VA mortgage) with INTERNATIONAL CITY MORTGAGE (VI).
Issue: Credit decision / Underwriting

Complaint: I went through the entire process, submitted everything that I was asked, signed a contract, filled out application, got my credit pulled twice and basicall did everything I was asked to do. While waiting for the process to be completed, I sensed that there was something wrong with the process. I signed my contract the XXXX of XXXX XXXX and my credit was pulled, which was n't a problem, however the representative XXXX XXXX XXXX also known as XXXX ) asked me for my bank statements and check stubs every month ( even up until XXXX of this year XXXX XXXX ) ). The amount of excuses I received and the lack of professionalism was what made me realize that something is seriously wrong. Myself and my boyfriend, who was applying with me, made contact with another lender who explained the process but it still never added up to the amount of time spent doing the process. I asked that everything that the company did for my loan be sent to a lender who I trusted to look over everything and Now 7 months down the company is telling me they are not closing my loan and that the company is not renewing their license for the XX/XX/XXXX year. Apparently, there seems to be a lot of fraudulent activities that has been going on with the employees or persons for International City Mortgage. I also went as far trying to find someone else to close the loan but i will have to do the entire process over, which i would have done but the company ( ICM ) is refusing to remove any of the hard inquires that they placed on my credit. I learned they are not even Licenses in the XXXX XXXX to do business. However, throughout the process I asked that everything be put in writing or email to me therefore I have XXXX trail on everything. There is just a lot that 's been going on with this company and the people that are a part of it. 

If you need any of the emails, I would be happy to forward them to you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion has deleted my inquiries couple months ago and they put those inquiries back. I called them but they did not want to remove 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 11-07-2017 about Mortgage (Conventional home mortgage) with PLANET HOME LENDING, LLC (NY).
Issue: Struggling to pay mortgage

Complaint: I have tried to work with Planet XXXX XXXX. I have a XXXX child that requires constant care. I went for help and they filed a Chapter XXXX bankruptcy for me to help me but I want to keep my home. I just started a full time job and had to wait for proof of income. to give to Planet XXXX XXXX. I received a statement stating what my new payments were. I made the payments they sent them back to me. 

I am trying to correct what is wrong. Make a XXXX just installed a XXXX to help with my daughters therapeutic and mobility so that at some point she might be able to move some parts of her body. 

I am looking everywhere for help. Please help me! 
I am working and my new boss is doing all that he can to help me. 
please save my home from foreclosure scheduled for XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: This is my XXXX complaint for BSI Financial. Per my previous complaint BSI stated my hazard insurance was n't supposed to be in escrow. They corrected that with my previous complaint, and now my hazard insurance and taxes are now in escrow. They are now charging me a monthly escrow amount of {$120.00} for my tax and insurance which is understandable, however they are also charging me a additional monthly shortage of {$190.00}. When I called into BSI Financial I was advised by XXXX XXXX that it is a " cushion ''. I would like to know why I am being charged an additional {$2300.00} as a " cushion '' for my taxes and and hazard insurance when my and taxes and hazard insurance only total {$1500.00} for the year.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation