milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: I 've spoken with   XXXX   by phone and also sent them a certified letter about removing my hard inquiries because some of my inquiries were removed and then reinserted later. Others I 've explained that the inquiries were not authorized by me but they still remained as well. I would like all of these to be removed.     Credit Inquiries  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  DE  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   DE   XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  DE  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   FL   XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  FL  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  PA  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   VA   XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  DE  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  DE  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  UT  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  UT  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  UT  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  VA  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  VA  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  VA  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (Other debt) with MARINER FINANCE, LLC (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I recently reviewed my credit report and noticed that Personal Finance Company is now renewed and is reporting that I owe them {$3700.00} as of XX/XX/2017.. on a debt that was discharged through my bankruptcy. They are not acknowledging any bankruptcy and it is as if the debt has been renewed. Previous reports this item was removed from my credit report and this one just showed up.

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 01-06-2016 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: PNC ( XXXX Ohio ) has offered me the opportunity to do a loan modification. I have worked with XXXX ext. XXXX, XXXX ext XXXX and XXXX at XXXX. They have XXXX people who work in this loss prevention department and appear to be offering loan consolidations. I have faxed, emailed and mailed the documents three times ; each time there has been an issue with it being lost, " more things are needed '' that were not mentioned and there is this weird three day waiting period for emails where nothing is ever received or found out about. It seems to me that if they really wanted to process anything they would receive the email, collect documents themselves and process them. They appear to be obscuring the process, making it difficult to modify, while in the process collecting fees of XXXX a month. At this point, they have drug their feet on my modification and collected over XXXX in late fees. I am asking them to process my modification and take some of the late fees and default charges off the account, but I am not able to follow through on the process because of lost paper work and supervisors who do not return my phone calls. I do n't feel that it is fair for me to pay all the late fees when they are obscuring the modification process and dragging their feet in the process, losing documents. There is a significant amount complaints about PNC online regarding lost paper work, organization and neglect. It appears that they are in the business of collecting fees. And they have no urgency to see something through to help their clients.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-07-2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Account opening, closing, or management

Complaint: I have a premier checking account with Citizens bank in XXXX XXXX Ohio. The account is linked with several other accounts that have more than the minimum balance to keep it from getting charged a maintenance fee. Beginning XX/XX/2015, the bank, for no reason started taking out a maintenance fee of XXXX dollars for a total of more than XXXX dollars. I contacted the bank and spoke to the manager. She stated that it was their error and " XXXX '' would contact me to handle it. XXXX later called me and said that XXXX charges amounting to XXXX dollars would be refunded, but for policy reasons, no more. He did add that if I came to the bank and discussed solutions, more money might be refunded. I want a full reimbursement of the money fraudulently taken from the account as maintenance fees.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAINE & WEINER COMPANY, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I no knowledge of the information being reported on these accounts. Therefore, I hereby dispute the balance, high balance, past due amount, and the date opened as inaccurate. This letter is a formal complaint that you are reporting inaccurate credit information. I am distressed that you have included these items that do not belongs to me Apparently, procedures have not been properly maintained to ensure maximum accuracy that is required by the FCRA. I was never served with any notice or disclosure before or after these accounts were reported negatively as required by FCRA & FACTA Sections 609 & 611. This alone requires deletion of the negative disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Debt collection (Auto) with American Credit Acceptance, LLC (AZ).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Several times they have called me at XXXX and I know they can not contact me before XXXX or after XXXX I have told them and they still continue to call at that time

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Each year, I submit documentation to " recertify '' my income to continue with the XXXX XXXX XXXX which I did on XXXX XXXX, XXXX. I received a letter dated XXXX XXXX from FedLoan Servicing stating that they " were unable to process your request '' because they needed a different type of documentation. Evidently, I sent them a copy of my contract which has my annual salary on it but they wanted a pay stub. So I mailed them the paystub and then I received a second letter from them dated XXXX XXXX which stated " Your New Payment Amount '' which increased from {$290.00} to {$2100.00} per month. I called and asked why this incredible increase. They acknowledged that they had received my documentation but that it had n't been processed yet and to call back next week. Then I received a letter dated XXXX XXXX that says " Your payment has been adjusted by {$0.00} per month '' and that my new amount is {$370.00} per month. I called and asked them to explain this and they could n't. I asked to have this amount reconsidered because it was too much of an increase considering that my income at the time had not increased. I called again at least two more times. The last time I called was XXXX XXXX and was told just to start the re-certification process over. I asked during that phone call and then followed up with an email through their website requesting a written response to my concerns. They are not responding. When I called and asked what I should do while my request was being considered, I was told to just pay my old amount, which I have done, but now it looks like I 'm delinquent because I had n't been paying the new amount.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (OK).
Issue: Account opening, closing, or management

Complaint: I moved into my current house XX/XX/XXXX. Since then I have been receiving the previous owners statements from JPMorgan Chase. I have been returning the statements through the mail with XXXX written on the front with a line through the address. The statements continued to arrive so I called their customer support and was told to take the statement to a branch which I did. I continue to receive the previous owners statements and it is now XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: On XXXX XXXX 2016, my student loan vendor changed from XXXX to ESCI Heartland. 

While the account transfer was taking place, I was under the impression that no fees or penalties would be assessed. I was able to enrolll in autopay starting in XXXX 2016. 

However, to pay my monthly payment of {$120.00} I was assessed an XXXX cent fee. Seeing as I do not have a choice but to make a one time payment for XXXX, the fee seems trivial and a way to ris

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On XX/XX/XXXX Ombudsman Case XXXX states : my Navient account is in deferment until XX/XX/XXXX. Two loans in my account were put into repayment status since this without my permission/consent. Navient has again ballooned principal balances on my most expensive loan and another loan in a fraudulent, criminal manner. It continues to mail documents it will not include on its website as documents we 've sent to you. It will not include on its website any documents I 've sent to it. A Navient Advocate writes in email it will get back to me after a different mailing from XX/XX/XXXX and did not get back to me. I have requested only written communications with the office of the advocate. Written email communication is not made available to me by the office of the advocate. Navient is continuing to create XXXX XXXX and hardship to my by refusing to service my loans according to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (GA).
Issue: Trouble during payment process

Complaint: Pennymac drastically under estimated our escrow account because they did not look at the actual tax bill, they look at what was paid the previous year ( we only owned the house from XXXX-XXXX  that year ). This seems negligent because our tax bill was put out in XXXX and our escrow analysis was done in XXXX. They had access to the accurate numbers yet chose to use inaccurate numbers. Due to this inaccuracy we had a deficate in our escrow account and now they are raising our mortgage payment 40 %, our payment is going from about {$1200.00} to about {$1700.00}. I have spoken with several different representative at Pennymac trying to figure out how they allowed this to happen and why they take no responsibility for their inaccurate estimate even though the correct information was available for them to use and each person gives me a different story and excuse and all refuse to admit there is anything wrong about the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a hard inquiry on my credit report that should not be there. I disputed the account with XXXX XXXX XXXX and they removed the account from all of my credit reports, but the inquiry is still there. I would like this inquiry removed since I did not open this account in the first place. I have attached the letter from 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 non-monetary relief
Consumer complaint received 12-03-2017 about Vehicle loan or lease (Loan) with SOUTHERN AUTO FINANCE CO (TN).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: XX/XX/XXXX I was in a car accident that had me out of work for five month due to injuries from the wreck. I was insured with XXXX at the time and they deemed the vehicle a total loss. 

Back in XX/XX/XXXX the same vehicle was vandalized. I was at that time with XXXX. I got the work done to the vehicle and have the receipt. 

Fast forward XX/XX/XXXX my car was vandalized again while insured with XXXX. I filed a claim and they were very slow about the process in getting my vehicle fixed. I missed the examination under oat due to never receiving the mail. 

All leading to XXXX deducting from the total value of the vehicle because of the vandalism they didnt cover. The car is totaled!! I almost XXXX in that wreck. What does vandalism even matter at this point?! 

Safco which is my lien holder decided to say to XXXX that I never got the car repaired in XX/XX/XXXX and sent for the funds. XXXX in turn pays safco without notice to me out of my bank account from a transaction thats over a year old ( {$3500.00} ) .Thats an u authorized Transaction and illegal. I am a service member and I was robbed of my resources due to the illegal acts of the banks. XXXX XXXX XXXX XXXX AND SAFCO. They should all be investigated they are multimillion dollar companies stepping on the backs of working Americans. 

Its against the law to take the resource of a consumer without notice I have had no money since XX/XX/XXXX. The day before my birthday!! I spent the first few weeks of my new aged life without funds. I am livid that its taking this long and want interest on the money that was taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My federal loans were paid off on XX/XX/2017 after refinancing with a private lender. Due to the timing of the refinancing process, my federal loans were overpaid by {$920.00} because I kept making payments during the refinancing process. I was sent a letter from FedLoan Servicing indicating that my loans were considered paid in full on X/X/17. It has now been sixty days, and I still have not received a refund of {$920.00} overpayment. I have not received any correspondence from the FedLoan Servicing addressing this issue. I have contacted FedLoan Servicing through their preferred contact procedure ( email ) and have yet to receive anything other than an automated response that my inquiry was received. They have removed my account access to view my bill history. Further, despite acknowledgement from FedLoan Servicing that my account was paid in full, my own account still reflects that my loans are in " repayment status '' and lists upcoming direct debits on my account for XXXX XXXX, 2017 on loans which show negative balances owed to me. The relevant company contact information is below : XXXX XXXX XXXX  FedLoan Servicing XXXX. XXXX XXXX XXXX, XXXX XXXX Send completed Direct Debit application forms to : FedLoan Servicing XXXX. XXXX XXXX XXXX, XXXX  XXXX Send letters and correspondence to : FedLoan Servicing XXXX. XXXX  XXXX XXXX, XXXX XXXX Send Credit Disputes to : FedLoan Servicing XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Send Consolidation related letters and correspondence to : FedLoan Consolidation Department XXXX. XXXX  XXXX XXXX, XXXX XXXX Contact the Office of Consumer Advocacy at : Pennsylvania Higher Education Assistance Agency The Office of Consumer Advocacy XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Experian several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX onXX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX onXX/XX/XXXX, XXXX XXXX XXXX onXX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/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 11-06-2015 about Bank account or service (Savings account) with DISCOVER BANK (CA).
Issue: Account opening, closing, or management

Complaint: Our complain is about new Discover bank Online Saving account - we received the proposal from them by mail for opening this new account, XX/XX/2015. We accepted and opened this new account with confidence since we have, for years, good relationships with Discover Card and Discover Bank. We have with Discover bank : Regular CD- joint ownership by myself, XXXX XXXX and my husband XXXX XXXX ; and IRA Jumbo CD of XXXX XXXX . 
For new Discover Online saving account we transferred money from our regular bank, XXXX XXXX XXXX, with no trouble. 
At this time, we were able to access the new account. The trouble started when we startedtransfer some amount back to Peoples bank, on XX/XX/XXXX. One of customer service members mentioned that transfer of certain amounts could cause the problem, but NOexplanations on rules and limitations were given then and up to now. 
This transfer was completed, and transfer back to Discover was successful too on XX/XX/XXXX. 
Last time I could see the account, with Customer service long help, on XX/XX/XXXX, not on XX/XX/XXXX. 
I was told back in apx XX/XX/XXXX, that a special team is working on our problem and will call us. 
We never heared from them. 
Please, advice what else can we do, thanks, XXXX XXXX & XXXX XXXX email : XXXXXXXXXXXX tel XXXXSince that time, the problem is not resolved or explained. 



The problem with new account on line that EVERY time the previous password is not accepted, we have to create a new one with help of their Customer Service person whichtakes a lot of time and nerve every time. 
This trouble started when we transferred some money to our regular bank,

Company response to consumer: Closed with explanation