milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/25/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Noticed some fraudulent stuff on my credit reports and did n't know what to do. Call and asked around everywhere I went, PD, ftc, now here said to file theft affidavit. I 've tried to work with this bureau but they wo n't help. Attached is my file and let me know if you need me to do anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Debt collection (Medical) with Merchants and Medical Credit Corporation, Inc. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Merchants and Medical reporting erroneous accounts to XXXX credit bureaus that have not been verified

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2017 about Vehicle loan or lease (Lease) with SANTANDER CONSUMER USA HOLDINGS INC. (KY).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Leased XXXX XXXX XXXX in XXXX XXXX from XXXX XXXX XXXX in XXXX, KY. Loan financed by Chrysler Capital. The motor vehicle tax ( MVT ) and registration fees were of course paid at that time - in XXXX.. In XXXX XXXX Chrysler Capital added the MVT and registration fees to our XXXX car payment. In XX/XX/XXXX we received a bill from the XXXX County clerk that the MVT & reg. fees were due - in XX/XX/XXXX. instead of XXXX. Apparently there is an entity, Santander bank, that pays these charges inXX/XX/XXXX. and then Chrysler Corp. bills us. We received this notice on XXXX XXXX and had to go to the Clerk 's office to pay these fees as Santander had not, and we faxed notice of payment to Santander on that dayXXXX. In speaking with Chrysler Capital, they told me that Santander had paid the fees after we did on XXXX/XXXX/XXXX and that before our acct. was unblemished Chrysler Capital had to receive a refund of their payment. Why they paid the fees after we had faxed them proof that they had been paid is unknown. Nevertheless, if we must continue to renew our registration in XXXX instead of XXXX we will have to pay these fees 4 times on a 3 yr. lease- XXXX XXXX - XXXX XXXX - XXXX XXXX and XXXX XXXX. The lease expires in XXXX XXXX. Two calls a week apart to Chrysler Capital yields apologies but that they are unable to resolve the situation until they receive their refund for XXXX which in my opinion is no fault of ours, as we paid the fees on time and faxed to them the proof of payment. There is no more that we could have done.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with American Credit Resolution, Incorporated (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A year ago I was contacted by a company that said I owed them for a health club bill that was paid. With the help of a family friend I wrote a letter requested validation of debt and they stopped calling. This week I was contacted by XXXX ''. They told me I was going to be served and I should contact XXXX. I called the number and they answered the phone " claims office ''. I was scared so I gave them my credit card information. I then called my dad who told me to cancel the payment because that did n't sound legal so I did. Today I received more calls from XXXX XXXX at " XXXX '' an unknown number who told me they were going to serve me today. I checked the NY XXXX XXXX XXXX website and found no company under this name. I also received a letter from American Credit Resolution. The letter offered me a settlement but never offered my the opportunity to get verification. I believe the company failed to provide me validation of debt. I believe the employees of the XXXX were actually employees of American Credit Resolution. I believe they misrepresented themselves and this was a veiled threat since I thought I was going to be sued.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (ME).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Information in regards to XXXX XXXX XXXX is inaccurate. As per documentation received from XXXX XXXX XXXX, as well as the OCC, this account is reporting incorrect, as far as date of last activity, etc. XXXX XXXX XXXX states the date of first delinquency as XX/XX/XXXX, yet my credit files has an earlier date of delinquency, dating back to XX/XX/XXXX. The bank is stating information within the body of my credit reports are " accurate '', yet I have found major discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (IL).
Issue: Application, originator, mortgage broker

Complaint: I am a Veteran. I Applied for mortgage loan with Quicken Loans in XXXX 2016. Was advised that FHA was best route for me to go based off fees and current market interest rates and my credit at the time. Was advised and lead to lock in interest rate to protect against possible market decline. But was assured if rates and market got better i would be able to take advantage of best situation. Sign a lock rate disclosure that expired on XXXX XXXX 2016 XXXX XXXX 2016 came and went loan not closed still processing. Mortgage market rates got lowered i was informed i was still locked in at previous higher rates due to an AUTOMATIC Rate Lock Extension ( never expressly disclosed or implied in any documents i had signed or received ) This AUTOMATIC rate lock was be expire in 15 days it did not. It AUTOMATICALLY extended for an additional 15 days then an additional 15 days then a additional 15 days. I inquired with several at QUICKEN my loan officer ( it just the way it is ) his supervisor ( this is the way we always do our rate locks ) and a customer solutions specialist ( aw i see where this could be confusing to a customer but this is the way it is ) At no time did anyone address that fact that this process of AUTOMATICALLY extended rate lock and not a allowing consumer to take advantage of better market pricing as a result of it addressed by anyone at Quicken. Please let me know if i am the last one to the party. As i feel that this practice is a violation of truth in lending laws and possible predatory lending practices as the bank have you at their mercy.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient demanded my payment in a VERY short notice upon notifying me that a payment was due. This caused me to delay payments on my other financial responsibilities. On XX/XX/2016, I was charged a {$150.00} fee to place XXXX of my Navient signature private student loans in forbearance at {$50.00} per loan with the XXXX private loans that I have an account with. Furthermore, the forbearance terms are HIGHLY unfair to the borrower as the forbearance period is only available for 1 year through the life of the loan. There are no protections for the consumer if they undergo a financial hardship or an unemployment period. Additionally, I can never receive a clear answer to questions from account managers regarding terms of the loan or interest rate information. In a steadfast manner, I am demanding a FULL refund of the {$150.00} forbearance fee that I paid to place my Signature private student loans into forbearance ASAP. Please notify me of how this refund can be processed. I really do hope that the lawsuit between the CFPB and Navient is successful in the CFPB 's favor. Navient is treating their customers so horribly that they do not have options to protect themselves from the BULLY 's that set policy 's in Navient 's regard. XXXX to those who work for the CFPB that are helping consumers receive fair treatment. Thank you for processing my request.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Debt collection (Other debt) with Monterey Financial Services LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I never checked my credit score, but I was applying for a Mortgage Origination License with the NMLS, and I discovered a derogatory item on my credit history. It is showing that I have an existing account in collections from XXXX XXXX XXXX, stating that I have taken out an unsecured loan that was originally opened on XXXX XXXX, XXXX, totally an amount of {$3900.00}, which now a closed account due to insufficient payments. I have not taken out any type of loans in or around that time it states, and I want to resolve this problem before it affects me anymore. I am not sure if it 's mistaken or identity theft but I tried reaching out to the service. XXXX XXXX XXXX and they said that " my account is no longer accessible '' because they sold my account to another company. I then asked for the company information to who they sold it to or passed it on to and I was told from the person I spoke to that, " He will call me back with a phone number '' so I can reach out to them. I never heard back from this company and called back for a second time and was told the same thing the last time I spoke to XXXX XXXX XXXX. Again, I received no phone call or email. At this point, I am stuck and do n't know what to do and will want additional help to resolve this matter as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Consumer Loan (Vehicle loan) with MarkOne Holdings, LLC (FL).
Issue: Problems when you are unable to pay

Complaint: I got a loan for a vehicle with my son as a co-signer. He moved out shortly afterwards so I had no other income other than the petty cash salary I was making. I notified the loan company via letter that I could not make the one lump sum monthly payment and will need to make two payments per month. They have been calling me, family, and friends ( references ), ( 6 ) six times a day, ( 6 ) six days a week since XXXX 2015. I spoke to them and asked them not to use my references to contact me ( some of which is in other states ). They have ignored my request. I told them if they are not satisfied with how they are receiving the payments come get the vehicle otherwise top calling me about late payments every single day, all day when I work overnight shifts. Now I have to turnmy phone completely off to get sleep..

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Mortgage (Conventional fixed mortgage) with BANCORPSOUTH BANK (MS).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX we received a letter from BancorpSouth stating that our loan will mature on XXXX and that they will not renew the loan. They are requesting payment in full for the balance of the loan by XXXX ( {$150000.00} ). We would not be able to do this. Our copy of the loan shows the maturity date to be XXXX and the loan number on our copy is difference from the XXXX on the letter we received. 
This loan is for XXXX commercial buildings in XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 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 status incorrect

Complaint: XXXX   XXXX   XXXX   XXXX   continues  to report inaccurate information on my credit reports. Currently they have  XXXX  different accounts reporting on my   XXXX   report. I 've only had  XXXX  loan with them and the terms they are reporting is incorrect if. Per the Fair Credit Reporting Act, all items that are reporting incorrectly has to be removed.

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 08/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/2015 I cancel my XXXX for XX/XX/2015 my balance on XXXX was XXXX On XX/XX/2015 payment of XXXX was withdraw from my checking acct. Only XXXX was deducted from my balance On XX/XX/2015 payment of XXXX was withdraw from my acct. I try to correct this problem with directv. After many calls finally reach human being, all she could do give me an address I send all my documents and no respond. 6 months later collection agency mail me letter, I contact them and no respond. Now one year later, other collection contact me .Once again I have to correct XXXX mistakes. I owe XXXX nothing.

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 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: I have contacted the bureaus ' one by one without avail. I have called, asserted, and expressed my displeasure to the companies at large, on X/XX/2013. I was requested to send in a XXXX of my photo identifying me along with a recent bill in the name and social security number. I completely satisfied their demands. Only to wait thirty days to receive a reply from XXXX stating that they needed more Intel to complete and/or look into my request. 

What the heck! 
I felt XXXX, discouraged, and disparaged at the least. 
All the credit bureaus ' have illegally hoarded my personal information unwittingly to my knowledge and without my consent in any form especially in written form as required. In pursuance to the XXXX privacy act all of the credit bureaus ' i have listed not limited to FICO, XXXX XXXX, XXXX, EXPERIAN, & XXXX have blatantly and intentionally violated all privacy rights and allowed my personal information to be leaked and disseminated due to their false and misleading ways. 

Relative to the Fair Debt Collection practices act all of the credit bureaus ' aforementioned in this complaint have maliciously and collectively worked in concert by unlawfully distributing consumer personal data for profitable gain at the expenses of pain and suffering of those so inflicted by the course of their willing and intentional violation. It is my request to have the CFPB to advocate on my behalf, to have all of my personal and sensitive data completely removed from every database my information is held by the aforementioned above. It is a great disgrace, that the aforementioned and above-mentioned engaged in pursuance of filthy lucre at the expenses of many consumers by such fraudulent means. 

I have suffered humiliation, XXXX XXXX and credit disaster because of it. It has greatly decreased my capacity to attain credit for housing, transportation, and it has incapacitated me from career opportunities. i have been XXXX and hospitalized because of it in the past. I request punitive damages for my mental, financial pain, and suffering -- also for the prevention of the huge number of failed opportunities these criminal violator 's have caused me. I do not consent to a class action suit. This is personal for me and I 'd like it to be addressed as such. I also would like to express my eternal gratitude for the CFPB protection of my family and household.

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 03/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with KEYCORP (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Key Bank Real Estate Capital has app. {$30000.00} of my money in an escrow account on a mortgage that was paid off almost one month ago. {$5500.00} excess overage due me has been in their escrow account since XX/XX/2015 and they 've yet to refund my money. Mortgage number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Vehicle loan or lease (Loan) with Coastal Credit, LLC (PA).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: On XX/XX/XXXX I received a letter from Coastal Credit LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IN XXXX Tel : XXXX. I and {$1900.00} left on my loan with them after my vehicle was totaled in a car accident on XX/XX/XXXX from a lady running through a red light and XXXX XXXX XXXX. Coastal Credit stated in letter if I paid 40 % of the {$1900.00} which is {$1100.00} as in letter. <P/>When my insurance ( XXXX XXXX ) learned that I was not salvaging my car they sent over {$1000.00} to Coastal Credit LLC. I then phoned Coastal Credit on XX/XX/XXXX and spoke to a Supervisor XXXX XXXX ( I think that is how you say or spell his name ). I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. <P/>Anyway when I called Coastal Credit LLC on XX/XX/XXXX and said I would like to pay remaining on settlement offered which expired on XX/XX/XXXX.  Coastal Credit supervisor XXXX said I had to pay 40 % on whatever was left on XXXX XXXX and something instead of what was offered in letter. Letter said one thing and Coastal Credit did another thing.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted this company via US certified mail to request them to validate thier debt. The company failed to respond and has not validated their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Consumer Loan (Title loan) with Maximum Title Loans, LLC (AZ).
Issue: Charged fees or interest I didn't expect

Complaint: Lender exchanged loan for legal services at " zero interest '' with legal service fees to be credit as earned. Lender has confirmed these terms in writing with the BBB and in numerous texts and email messages. If lender had done so as agreed, this loan should be recorded as paid in full by XX/XX/2013 at the latest. Lender has not repossessed the vehicle, but refuses to release the lien he has kept in place on my title with the state MVD, so I can not sell the vehicle. I also consider this failure to properly credit payment to my account and an improper attempt to collect a debt that is no longer owed.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Application, originator, mortgage broker

Complaint: I received an offer from Chase Bank to refinance my existing loan with them for no closing cost. I submitted all the necessary paperwork as requested by Chase. I received a letter dated XXXX/XXXX/2015 stating that they closed the loan application because they did not receive the additional information they requested. The loan officer failed to communicate with me on the steps to take for any additional information needed. I spoke to the loan officer on the phone on Monday, XXXX XXXX, 2015. He stated that he could reopen the loan but there would be closing cost involved. This is not fair because the loan officer failed to communicate with me concerning my loan, now they are wanting me to pay closing cost to refinance. Chase should honor the original loan application due to the failure of the loan officer inability to communicate with me in a timely manner concerning this loan.

Company response to consumer: Closed with explanation