milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2016 about Bank account or service (Other bank product/service) with PNC Bank N.A. (MD).
Issue: Account opening, closing, or management

Complaint: On XXXX I went to a PNC branch ) XXXX to request a new XXXX PNC card for the one I had misplaced, The Bank employee who I did not know attended to this matter and then began to ask question about my employment, commenting as a lawyer I must make a lot of money and then asking me how much I made a year -- none of which questions did I answer. 
A week or so later I received a letter advising me that an account had been opened for me which turned out to be a line of credit -- which I NEVER asked for. I complained to the bank and on XXXX/XXXX/16 I was advised that my loan has been paid in full. There was NO loan and I asked that my records would be corrected to show the TRUTH. This was not done and subsequently I was advised that " my recent credit bureau dispute about information furnished by PNC, Bank National Association to the consumer reporting agencies '' had been resolved as a " soft inquiry '' rather than a " hard inquiry, '' There was NO dispute between me any credit bureau ; any " dispute '' could only be one created by PNC. 
When asked various time to correct my records to reflect the TRUTH, and not paper over then to the benefit of the bank -- that has not occurred. I then wrote to the PNC CEO asking for correction and of this time have had no response. My correspondence every step of the way is in the hands of PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Navient has claimed to accrue Capitalized Interest  more than once in    2013   (  {$1700.00}  ) ;  however, the principal of my account continues to increase. Their practices have only increased my monthly payment and have made it nearly impossible to pay off the student loans.     My account summary states that no recent interest has been capitalized and the account remains in good standing, but the principal of the remaining outstanding balance is nearly the same {$23000.00}.     The current amount due has increased at least twice over the life of the loan, yet the balance remains the same. I was forcibly recommended to admit forbearance in  2013  and only wish that this company stop harassing me to continue along this path, making it impossible to pay back the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The Complaint that I have is with PORTFOLIO RECOVERY ASSOCIATES. Over the last 4 months I have requested validation on multiple occasions for several debts that are listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with PORTFOLIO RECOVERY ASSOCIATES. I have not received anything that I requested and it still listed on my credit report from all XXXX of the Credit Reporting Agencies. 

Please Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This is a debt that I paid for cable service years ago when I turned in my equipment. This company placed this on my credit report before they even mailed me a letter so that I could dispute it. I checked my credit report the day that I received the letter from EOS CCA and it was already on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: CFPB case number : XXXX XXXX, XXXX, XXXX, XXXX - XXXX - XXXX, XXXX, XXXX, XXXX, XXXX. CFPB is not allowing me to dispute response from XXXX XXXX with Ocwen Loan Servicing, Consumer Account Analyst, Office of the Consumer Ombudsman letter dated XXXX XXXX, XXXX. Ocwen is using XXXX XXXX to blow smoke circles for them while they hide behind there computers covering up the facts and the truth again only to level attempts to cover up Ocwen continuous fraud against me and several other victims. Ocwen scums may think its going to work but as always it will always caches up with them. Ocwen Loan Servicing use Homeward Residential as a tool to use fraud upon the court, using forged fabricated documents and robo-witnesses to seek fraudulent judgment, then later the cool XXXX thought it would n't come back to bite them, boy it will bite like XXXX. Ocwen scums say they were not involved in the XXXX XXXX Bank vs XXXX XXXX case but they know XXXX well that was the secret tactic plan they used and thought they get away with it. I am glad Ocwen is responding to my consumer complaints with all lies. New evidence will bring you down. I will be filing a new XXXX lawsuit, If Ocwen is able to pull off another fast XXXX against using forged fabricated documents I will never stop until my matter reaches the XXXX court and be given my right to a fair jury trial. Recently, I found out who the individuals working for Ocwen who have committed so much fraud against me and my family. I know who you are and now its time to sue you. I 'm glad Ocwen was able to recently settle CFPB investigation into Ocwen 's servicing practices. ; ) I would like to have the right to dispute Ocwen Loan Servicing 's robo-worker responses. Please provide XXXX with your findings, they have not received a response from you. ; )

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NE).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX pushed their payment protection company services on me when I became a consumer of their product. Once I was laid off from my job, this service did not step in and make the minimal monthly payments as it guaranteed to do and XXXX XXXX reported late payments to the credit bureaus for each of the months the service did not make the payment. XXXX XXXX has since discontinued their payment protection program and credited my account for each month the program did not pay as it should have. I have since closed my account with them, but they have not updated the late payments which never should have taken place as it was the responsibility of the plan to make all payments during the time of my lay off. XXXX XXXX assured me by phone that this would be corrected more than one year ago. I have continued to suffer due to the numerous late pays inaccurately reported by this company.

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 08/24/2017 about Vehicle loan or lease (Loan) with Michael Wayne Investment (VA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I bought a car two years from Auto Connection in XXXX, Va two months after purchase the engine seized up in the car.. this was XX/XX/XXXX.. I was told I had a warranty on the car come to find out this was not the case XXXX later I get my car back. All through XX/XX/XXXX I had numerous problems with the car, In XX/XX/XXXX I contacted them again about the engine ... because they put a used engine in the car, I told them the engine was getting ready to go again, I was told to drive it over 70 miles from my house to the dealership I told them it would seize up.. in doin so the engine locked up. For 5 mths I have paid on a car that has not ran, once again I contacted them, once at my expense I got it to the dealership I was told it needed various things, then I was told to go to the dealership and look for another car they would take mine on trade, when I arrive at the dealership my car has MORE damage then when it left, keep in MIND MY Finance COMPANY MICHAEL WAYNE advised me to go.. : short and long I offered a settlement amount on car and was denied because there is XXXX damages done to my car I owe XXXX loan is current and my option is to pay on a NON running car or I have to get another LOAN from them to make the current one go away ... I feel as if I 'm being held hostage OH, I failed to mention they offered for me to FINANCE the damages done to my car when originally I was told if the car was paid to a certain amount the loan could be wiped clean ... Let, me add XXXX is the one who told me to DRIVE the car after I said it was NOT drivable and he said it was goin to need an engine, he is also the ONE who said if the loan got down to XXXX the rest could be wiped cleaned, I hold XXXX responsible for this mess he has played XXXX thru this whole mess, several people have tried to clean up his mess and I 'm grateful for them ... but Michael Wayne is NOT looking at their liability in this mess in my opinion

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with 1st Franklin Financial Corporation (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In XXXX of XXXX, 1st Franklin Financial obtained information from my credit report. There was no consent for them to do so. This resulted in a hard inquiry and also impacted my credit score. This company sued me in XXXX. I have not heard from them in almost 10 years. I received notification from my employer this week stating that I will be garnished at 25 % of my net pay by 1st Franklin Financial. They pulled my credit report to find out a current employer. This seems to be illegal. The company could have obtained my address from that same credit file and a phone number and they could have contacted me to make arrangements. I called the company on Thursday XX/XX/XXXX to see if I can make arrangements to pay them instead of being garnished, and was told No. I also only owe the company about XXXX and I 'm being garnished for 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 05/27/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing statement

Complaint: XX/XX/XXXX, Macy 's replaced my existing Macy 's credit card with a new store branded American Express credit card issued by Department Store National Bank, a subsidiary of Citibank. The previous card was sending e-bills to my bank. I do n't shop at Macy 's often, but there was a charge on the credit card for a total of {$99.00} on XXXX/XXXX/XXXX. I never received a paper bill at my mailing address, an e-bill at my bank, or an e-mail bill at the e-mail address in their records. Suddenly, XX/XX/XXXX, I got a letter from their collection department. When I called, they said they could mail me a bill in 2 weeks, but they refused to e-mail me any information. There was no way to get any information on line with my Citibank accounts ( even though Department Store National Bank is owned by Citi ), and I could n't get online access to the Macy 's card account separately. Basically, my choice was to pay the bill without ever seeing it and verifying that I actually made the charge, or let my credit score deteriorate while I waited to see what they would send. I was able to get customer service to eliminate the late fees and I paid the {$99.00} because they said if I did n't pay it right then, they would add back the late fees. They closed the account, which is fine with me because I 'm so mad I would have closed it anyway. But, I am very concerned about their reporting to the credit bureaus and my credit score. I pay my bills every month in full and have a FICO score in the XXXX range. This company should be required to send a bill before sending an account to their collections 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 monetary relief
Consumer complaint received 03/29/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Using a debit or ATM card

Complaint: I 'm filing this complaint on behalf of a number of SunTrust XXXX XXXX debit and checking account holders. 

SunTrust is violating ethical standards, regulatory standards ( " bait and switch '' ), and their own terms and conditions. Here is why : For some time, SunTrust has been advertising, promoting, and issuing their XXXX debit card. That card, linked to a SunTrust checking account, carries a yearly fee of {$75.00} and gives its holder XXXX XXXX XXXX for every XXXX spent on debit ( pin-based ) and credit card transactions without any limits to the number of miles a cardholder can earn. I have been contacted by many friends and family members of mine who are card- and account holders with SunTrust who have reported the following to me:1. SunTrust seems to be in process of closing all those accounts whose members have earned a certain number of miles through legitimate debit and credit purchases. 
2. In XXXX instance, SunTrust even reached out to XXXX to intentionally reverse and take away from the card member any XXXX XXXX already earned. 
3. SunTrust is not renewing their XXXX XXXX anymore for many long-standing account holders just because they earned what SunTrust considered " too many miles ''. 

In the opinion of a lawyer whom I contacted regarding this matter, SunTrust is clearly engaging in a tactic known was " bait and switch. '' SunTrust lures new customers with their XXXX XXXX Debit card, charges them the yearly fee of {$75.00}, and then, once they become customers and earn a certain number of miles, SunTrust closes their accounts ( or does not renew them ) and in some cases even tries to reverse miles already earned. The lawyer further suggested filing a class action lawsuit on behalf of all cardholders. I 've so far refrained from going that route but I hope this complaint will cause SunTrust to act as follows:1. Stop closing legitimate accounts just because their holders earned above a certain number of miles to which, according to SunTrust 's own terms and conditions, they are entitled to. 
2. Renew accounts in good standing according to your terms and conditions as XXXX XXXX accounts and cards. 
3. Stop trying to reverse miles already earned. 

If SunTrust does not act as laid out above, I will undertake the following actions:1. I 'll have my lawyer friend prepare a class action lawsuit for bait and switch. 
2. I 'll reach out to the Office of the Comptroller of the Currency, the XXXX and Georgia Attorney General, the XXXX, and other institutions to file additional, regulatory complaints. 
3. I 'll bring to the attention of the media the unethical behavior of SunTrust. 


Sincerely ;

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Credit decision / Underwriting

Complaint: Bait & Switch predatory lending from Wells Fargo mortgage consultant XXXX XXXX XXXX XXXX # XXXX XXXX. 

He promised me a {$1000.00} credit at closing, {$500.00} from Wells Fargo and {$500.00} through Union Plus. He did n't say I had to do anything, apply for anything, qualify for anything. 

Turns out the XXXX was only for first time home buyers, which I am not, which he knows I 'm not from my first conversation with him, because he requested I write a letter explaining my 2009 short sale. 

Wells Fargo still owes me {$500.00} of the {$1000.00} that was promised to me upon closing. 

I 've patiently waited and called and written letters for 7 months. I want complain through official channels now.

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 09/16/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (WI).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: My mortgage does not show on my credit report and they are not reporting my payment history. Have perfect payment history for 17 years. Ditech has my mortgage loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian failed to report any positive credit on my credit report, this has lead to me loosing the opportunity to purchase a home before interest rates went up. The failure to report positive credit has lead to me paying higher interest rates on credit cards and forces me to purchase a smaller home at higher rates costing me {$10.00} 's of {$1000.00}. This also allows predatory lending practices to happen.

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 04/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This fake debt collection company sent me a letter on XXXX/XXXX/2017 saying I owed {$200.00} to XXXX for account ending in XXXX. 

I am NOT the owner of the account. I called XXXX multiple times, and they confirmed they NEVER sent my account to collections. I have always paid by XXXX bill on time until I canceled my service. This fake company keeps calling me and harassing me to give personal information and telling me to pay. 

I immediately sent a letter on XXXX/XXXX/2017 demanding they validate their fake and fraudulent debt claims. They keep calling me everyday asking for my personal information. I ask what is this call about, and they say they can not tell me why they are calling.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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: XXXX   XXXX ,    2017 fax ed letter to  XXXX  requesting removal of bankruptcy and tax lien on credit file as I was not aware of the source of their information on the bankruptcy and judgement. I received a response dated  XXXX   XXXX   XXXX  ,2017 that  XXXX   XXXX  reported the information a s discharged and that Case num ber  XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   is currently not reporting on the  XXXX  credit file in which I do not have knowledge of what that case is.   On  XXXX   XXXX ,    2017 I  sent a reinvestigation request with a letter from Michigan  Federal Court stating they do not supply information or validate info rmation with the credit bureau 's.   XXXX   replied with the same information stating that  XXXX   XXXX  has verified the information with the courts.

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 EQUIFAX, INC. (AL).
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 recently been the victim of identity theft and I did the necessary steps to help me remove the theft from my credit file. 

I received two letters from Equifax dated XXXX XXXX, 2017 that they would not block creditors from reporting false, derogatory, inaccurate items to their credit bureau. In the letter Equifax states that the accounts in question ( XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX ) have been verified by the creditor as being accurate. I beg to differ. Of course these creditors have all my identifying information ( social security number, address and date of birth ) because my identity was stolen. 

Equifax may be subjecting it self to hefty fines because it is not following the law when it comes to reporting identity theft. I would like to know what my next steps are. Where can I take Equifax to court if they fail to block/remove these inaccurate accounts from my credit file. 

I received a notice that the XXXX XXXX account was removed, but it was put back on the day after it was removed. Please remove all accounts on my credit file that are a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was denied from a lender due to " too many inquiries '' from Transunion. I was alerted by that, therefore i proceeded to check my credit reports from all the bureaus for accuracy purposes. I then noticed that there are several inquiries on my report that I DID NOT AUTHORIZE AND HAD NO KNOWLEDGE OF. I contacted Transunion and was given no relief and provided no help to my issue. I placed a fraud alert to prevent this issue in the future, and it still continues to happen. Please, see the inquiries that were not authorized by me and when the report was improperly requested and received. I contacted the companies, they were unable to provide me with any information and none of them received any identification and authorization from ME to request my credit reports for any reason.      XXXX -  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX   XXXX   XXXX -  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