milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-02-2016 about Credit card () with PNC Bank N.A. (NC).
Issue: APR or interest rate

Complaint: I was given a credit card by PNC that allowed for zero interest during a several month promotional period. I called PNC to ask if I would be charged interest on the balance I accrued during these months, once the promotion expired. I was told that I would not pay any interest on this balance, and only pay interest on debt accrued after the promotional period had passed. I made this call around XXXX 2015, and PNC admits that they have this recorded phone conversation, but continue to charge me interest on past purchases. They have told me that I was given false information, and that this mistake has granted them a coaching opportunity. I told them I did n't think that was very nice at all and requested that the interest payments be credited back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AZ).
Issue: Managing the loan or lease

Complaint: I sent a check to Santander Consumer USA Inc . It was returned to me because they say the check was damaged. However, if you look at the copy of the envelope they scanned and provided to me, it was not damaged. 

The check literally was cut with scissors to remove the number XXXX in my checking account number ; tape was applied. They sent it back saying my check was damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Vehicle loan or lease (Loan) with FC HoldCo LLC (CA).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: Myself and My husband mailed a debt validation request to XXXX XXXX XXXX via certified mail that was received by them on XX/XX/XXXX. We  submitted the request after reviewing our original contract and recieving a default letter on XX/XX/XXXX and seeing that XXXX XXXX XXXX was not the listed creditor on the original car loan contract and another creditor was listed. We also spoke with the original creditor listed on the contract XX/XX/XXXX and they had no record of XXXX being assigned to the loan and neither did the dealership the car was purchased from.After speaking with XXXX representatives on several occasions regarding my concerns XX/XX/XXXX. OnXX/XX/XXXX i offered to hold all funds in a trust or court account to prove I do have intentions in paying once validation is received. The offer was refused.XX/XX/XXXX we were notified by phone representative that XXXX will not be responding to our request and will " prove ourselves by repossession and we do n't have to send anything other than a bill ''. I then responded to the representative stating that if they do not respond with proper documentation by the XX/XX/XXXX deadline they will have to cease any collection attempts and credit reporting. The representative stated that they can just come get the car and they do n't have to prove anything. They will take a payment and I can wait out the XX/XX/XXXX deadline for response if I wish. I complied with a payment of XXXX only because I realized they were willing to go around my rights, but made it clear that I was not in agreement that this was a valid debt and I still wanted validation. This arrangement was made to put the account on hold in their records until XX/XX/XXXX. Without validation who is to say that another company ca n't come along and say I owe them instead and they too can repossess.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: i have multiple inquiries not unauthorized by myself XXXX XXXX on XXXX and experian i placed a security monitor on all of my reports but still have numbers of new inquiries unknowingly i that are affecting my credit dramatically

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 03/23/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Deposits and withdrawals

Complaint: I joined the Bank of America for the sole purpose of a good rate of return from an inherentance i received, when i enquired it the BoA to open an account i was given a choice of a standard account which i feel suited my needs, at the time i was go through redundency from my job so i used {$5.00} to open the account after i transfered the money a few days had past i received nothing from the BoA to confirm the account set up so i emailed them to inqire what the hold up was after a day i received mail back from XXXX XXXX XXXX my account officer the standard account was no longer available and that i would need to take a more expensive account the Premium account at XXXX i had most of that but needed help so i called a friend of long knowing who lives in XXXX XXXX to assist me she agrreed to help with my account and did so, my money nearly XXXX usd was transferd in to my new account within 24 hours, after a few day i received mail telling me i could strat to transfer money to other accounts or my own here in the XXXX ( i am XXXX living in XXXX ) when i set the amount to transfer it would not transfer the funds i requested stating some thing about a cost of transfer fee, i emailed XXXX XXXX again and he told me that i needde to pay {$42.00} transfer fee to transfer money, why was i not informed about this why was i not informed about the Standard account being canceled why was things not explained to me? and why on Friday or Tuesday being it the XXXX break is my money being confinscated? and the account closed why can i not have money used to pay for this Cost of Transfer fee i just do not under stand why i can not have more time or why can the bank not alouw me to pay for the CoT out of my inhernance that they have in my bank account if you would please look into this as i feel it is unfair and to myself i feel as if i am being cheated of some thing i never know would come my way, and that i now have no money to pay my debts and have used all my redundancy payment just to oipen this account my friend also has paid {$37.00} towards the CoT she is tring to raise more but is finding things a little hard right now, so i feel this Bank of America has now put XXXX people deeper into debt, my self and my dear friend, so please help me with this matter my email address is XXXXXXXXXXXX XXXX if you need my BoA account number this i will provide on request, the account is in my full name XXXX XXXX XXXX XXXX, thank you

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 07/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am requesting with this notice that the following account be DELETED from my credit report. XXXX CREDIT CARD ( NOT MINE ) this is a result of ID THEFT and is causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX County OHIO that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX County Against Transunion if no results for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I stand by the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. This is NOT a request for " legalization '' via E or evidence of my mailing address ect, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct XXXX XXXX XXXX XXXX XXXX accordance with section, of the Fair Debt Collection Practices Act. Or I request this be Deleted with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization. 
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 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a child support case in my history of open/ delinquent accounts. It was for one year in 1998. I was not delinquent on child support payments. I was exempt from this back pay because I was on XXXX. When my case was transferred to California the original state forgot to share this information & California went after my bank accounts, illegally garnishing XXXX checks on three occasions. After the third time I was furious! I sent them a legal letter and the case was closed with no money paid or owed. This should not be on my credit report. It reflects badly on me as it may affect my credit score but also reflects badly on me professionally. It should never been reported as delinquent and it should not be on my credit report at all. 
And also, my work does credit checks on new hires and when we get leases through the company. No body I work with knows I had a child as a XXXX that I gave up for XXXX  It is not ok that the people I work with find out this way.

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 07/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Corp Solutions Inc. (NE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A debt collection agency has been repeatedly calling family and friends to contact me when I never gave out the info of those people that they call. I 'm willing to talk to the agency, however they never make attempts to call my phone. Instead they keep calling third parties that are in no way a part of the debt nor should the agency have their numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: EXPERIAN HAS WRONG DATE OF BIRTH AND YEAR.

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 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have recently become an adult and monitor my account like I should. I purchased a myfico account which shows the reports for all the Credit Reporting Agencies. As of XXXX XXXX I also purchased the Experian premium service and found that there were to credit cards opened in the name XXXX XXXX one on XXXX/XXXX/XXXX and another in XXXX of XXXX. Both of these accounts were opened either fraudulently or by someone who has a similar name than me. There is alone in XXXX, TX where i resided when both were opened over 50 XXXX XXXX 's. My name is XXXX XXXX XXXX. I have sent Section 609 of the FCRA to have the CREDIT REPORTING AGENCIES to verify that those accounts are mine as well as for them send me the proper documents as per the FCRA states. I have recieved nothing but a credit report with updated infornation stating that account has been verified. I have sent appropriate documents to the Credit Reporting Agencies to support my claim that my name is XXXX XXXX XXXX not basic XXXX XXXX. I have purposely included into my signature my middle name or my middle intial as the two documents show that I have currently uploaded to you. On the Drivers License its a XXXX between the XXXX and The XXXX also as if the XXXX is apart of the XXXX. And on the social security card it spelled out in the middle of the length of the name. I truly am sorry for the long letter of what is happening but after the recent XXXX leaked personal information, I have been fighting with the CRAs for Four Months about their basic FCRA requirements under the Section 609. And then their total lack of caring about a consumer and their lack of building their credit to secure a home loan for his family. Please someone help me. 

XXXX XXXX XXXX P.S there is over 250 XXXX XXXX in a 6 hour radius of where i currently live.

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 05/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with RS Clark and Associates, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt has shown up on my credit report ( see attached communications ) It is not my debt and Ihave followed all the proper steps under the Fair Debt Collection Practices Act, 15 USC 169g Sec 809 ( b ). The collection agency has failed to respond and the debts still appear on all three credit bureaus as a collections debt. We were recently denied a mortgage loan due to these being erroneously placed on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Deposits and withdrawals

Complaint: We made a Check Fraud Claim on XXXX/XXXX/2015 to Bank Of America for a stolen and fraudulently endorse check. 
We wrote a check on XXXX/XXXX/2015 for a mortgage payment of XXXX mailed to XXXX XXXX XXXX. 
On XXXX/XXXX/2015, we reported to Bank of America of a fraudulent endorsement on the check, that XXXX XXXX XXXX denied receiving or cashing the check, and XXXX stated they would not endorse a check by hand signature. 
We completed a Fraud Statement for Bank of America on XXXX/XXXX/2015. 
In the following weeks, I made several calls requesting an update. Bank of America was only able to inform me the bank of first deposit was XXXX without additional information. 
On XXXX/XXXX/2015, I requested a " recredit '' or " provisional credit '' in light of the waiting time and the fact I had made a substitute mortgage payment on XX/XX/XXXX to cover the missing check. I was told the analyst for my case would call me. I did not receive a call. 
On XXXX/XXXX/2015, I followed-up and was informed the analyst had left me a message on XX/XX/XXXX which I was unable to confirm. An analyst, XXXX ( who was not our case analyst ), told me that Bank of America would not provide a provisional credit in the case of a false endorsement and that she was unaware of any " recredit '' provision of law. She stated it may take 30-60 days for XXXX to respond, which is unacceptable. She provided me with the following information : XXXX was the bank of first deposit and an electronic reference #. She was unable to provide a particular branch, a telephone number nor mailing address for contacting XXXX. 
On XXXX/XXXX/2015, in a follow-up call by my spouse, our Case manager/Analyst XXXX ( XXXX? ) informed us she would ( finally ) call XXXX with a follow-up. We are unaware why we could not receive the phone number for us to call XXXX directly. My spouse was informed it could take 60-90 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-05-2017 about Debt collection (Payday loan debt) with J Northland Group (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am receiving unwanted calls from XXXX XXXX XXXX about a debt that is over 10 years old. They have been harassing me and threatening me with legal action. They keep calling me fromXXXX the lastest person to call and harass me is XXXX XXXX. http : //www.northlandgroup.com

Company response to consumer: Untimely response
Consumer complaint received 08/18/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I bought my a condominium in XXXX at a much inflated rate and agent of Wells Fargo Bank suggested a program to finance my home. It has been financed in XXXX loans - XXXX XXXX year ARM and another XXXX years conventional fixed mortgage. Later I came to know none of these are financed by any of federal agencies - XXXX XXXX or XXXX XXXX. When house price collapsed, my home price lost its value. I could not lower my monthly payment by refinancing. I approached Wells Fargo Bank several times to lower my interest rate as was done by my XXXX lender, XXXX. In all circumstances I was turned down because of my negative equity. WFB did not qualify me for any of the HUD programs. I kept paying at higher rate but keep losing money in interest as well as ability to move out of bad debt without declaring foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WHITNEY BANK - NEW ORLEANS MAIN BRANCH (LA).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX I brought a check for {$130000.00} payable to myself, my husband, and our mortgage company, Whitney Bank to the bank. The check resulted from our claim due to flood damage. The bank said they would send the check to XXXX ( XXXX XXXX ), the company which services their accounts. I also gave them copies of receipts for {$26000.00} that we had already paid out toward renovating our flood damaged home. XXXX later sent us a check for {$22000.00}. I had been told during two phone conversations with them that I would receive a XXXX of the insurance check amount in XXXX draws as we progressed on the renovation. I have contacted both Whitney and XXXX to try to find out why I did not get a XXXX of the insurance money. XXXX says they wish they could help me, but said it was up to XXXX. XXXX with XXXX called me yesterday and said the amount was determined by " a federal law '' ( her exact term ). When I questioned that, she said the local bank manager could decide how much to disperse. I asked if the bank manager could make a decision to override a " federal law, '' and she said yes. She said her company just does the paperwork for the bank. My husband and I are frustrated that the bank is not giving us a fair amount of our insurance proceeds, and that the XXXX companies involved say the other company is responsible. While the mortgage company ( XXXX or Whitney? ) holds most of the money, we are paying for the renovations, by writing checks on our second mortgage line of credit at Whitney which means we are paying them interest while they happily hold on to our insurance proceeds.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
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: In XX/XX/XXXXI disputed the following items on my Credit report and the bureau was not able to verify them but did not provide any information that supported these accounts were accurate or belonged to me as requested. I would like them removed from my credit report. 


XXXX XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX credit record XXXX # XXXX, opened XXXX ). 
XXXX XXXX XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX credit record XXXX # XXXX, opened 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 04-11-2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other fee

Complaint: I was contacted via phone - the person claimed to be a Citibank representative and said that they called me to lower the interest rate on my credit card. They asked about my phone number, type of my Credit Card, my CC number and the expiry datye of the CC. They asked me to confirm the last XXXX digits of my SS number. I suspect this might have been a scam and the info they obtained could be used to purchase goods. I would like to ask for verification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Consumer Loan (Installment loan) with ACE CASH EXPRESS, INC. (VA).
Issue: Shopping for a loan or lease

Complaint: I got an email saying I owe from a company I never took out a loan from.

Company response to consumer: Closed with explanation