milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/13/2015 about Mortgage (Other mortgage) with PNC Bank N.A. (TN).
Issue: Loan modification,collection,foreclosure

Complaint: PNC has Foreclosed on a property that was PROTECTED by an Automatic Stay that was in Force. This was done while a State Court Proceeding was pending AND A Federal Proceeding was pending. PNC has committed a WILLFUL VIOLATION OF THE AUTOMATIC STAY and the Sale should be set aside as being ILLEGAL. My Loan Modification was pending ... ... ..before a response was given The foreclosure Took place. I need Legal Help in fighting this bank from Illegally taking my Home.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I tried making a purchase with my XXXX XXXX credit card tonight. The payment would not go through. I contacted my credit card company Synchrony and they said the account had been closed three days ago and I would be declined a new line of credit for at least 12 months. I received no notification of this happening. They said I should receive a letter in the next week. I have perfect payment history with this card a {$0.00} balance and my other open credit accounts and would like this account to be reopened with the same credit limit. It is two weeks before XXXX. I have not had this account even a year. I also have {$25.00} in store credit that I can not use without an open account.

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 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I checked my credit report on XXXX XXXX, 2017 and recognized the inquiry. I called one main, and the operator told me she never heard of an inquiry being removed Wether it was authorized or not.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN HONDA FINANCE CORP (NY).
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: Back in XX/XX/XXXX I leased a Honda I paid the payments on time & returned it in XX/XX/XXXX, its now on my credit report & has me owing {$5200.00} I reached out to all 3 credit bureaus & advised them of the inaccurate information, XXXX Removed this account & few months later its back on my report

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: Additionally, I h ave a Fraud Victim Alert in pl ace with all  XXXX  credit agencies due to being victimized in  XXXX     2016. It is an extended Alert purported to be in place for 7 years ( 5 according  to  XXXX  agency ). I continue to receive Unwanted marketing with pre-approved credit.  XXXX  told me this is not supposed to happen with  a Fraud victim Alert in   place. This has necessitated me to have a locking mailbox as an extra pre-caution, and continues to this day unabated. In fact today I received  XXXX  new catalogs which I did not request. How does this happen? What does the alert do, if not prevent this?

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 06/26/2017 about Checking or savings account (Checking account) with M&T BANK CORPORATION (MD).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Funds were held on checking account on XXXX/XXXX/XXXX without my knowledge. M & T bank froze acct, could not use acct., debit or find representative that could help me I was instructed to phone legal dept, which I did, left a message on XXXX/XXXX/XXXX Direct deposits, and ATM deposits being made into acct, but ca n't access funds for anything ( food, gas, monthly bills ) There was NO NOTICES SENT to me either e-mail, online, phone or text. I called numerous times to contact. Again NO ONE called back or assisted me. Would like to know what is going on, and how long my money will be held hostage. I ca n't borrow from anyone. I live alone.

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 07-05-2015 about Credit card () with SUNTRUST BANKS, INC. (FL).
Issue: Billing disputes

Complaint: XXXX I recieved a phone call from an XXXX speaking person claiming to be from XXXX telling me that they have been alerted that my computer was corrupted. They told me that the XXXX anti-virus software that came with my computer was not strong enough to correct the problem and they got me to purchase another software for {$250.00} which I put on my SunTrust credit card. They gave me an XXXX number to call if I had a problem. When I called that number it did not go to XXXX, it went to another company. I then called XXXX directly and told them what happened. They told me I had been scammed and that these people had no connection to XXXX and to take the software they installed off my computer before it got further corrupted. They said they would never call anyone saying their computer had been corruptedWhen I found out I had been scammed I called Suntrust and told them what happened and they took the charge off my card. 6 months later in XXXX they put the charge back on my card saying it was a good charge since I authorized it even though I had been scammed. I refused to pay the charge and they took it to a credit agency. My credit was reduced from XXXX to XXXX. I now have a hard time getting a credit card. I have contacted SunTrust with all kinds of documentation proving the scam but they refused to change their mind. The internet is full of very same story where this company has been calling XXXX 's of other people just like me claiming to be from XXXX and that their computer is corrupted. SunTrust does not stand by the people who bank with them. I would never do business with them again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX account XXXX is reported twice on my Trans Union Credit Report. Once under XXXX ( accurate ) and again under revolving ( iduplicate ). If you look at the attached report you will see on page XXXX the reporting from all three credit agencies on the account under real estate. Then on page XXXX Trans Union ( not Experian or Equifax ) Reports the XXXX trade line a second time under revolving credit.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/XX/XXXX : I tried to refinance my car loan from XXXX XXXX to XXXX XXXX. XXXX XXXX never received the payoff check in the mail. I cancelled the loan with XXXX XXXX due to this issue. I contacted XXXX XXXX on XX/XX/XXXX to see if they could report a XXXX balance on my credit report and to get this account deleted. The representative instructed me to contact all 3 credit bureaus about this issue because it would get done quicker. Attached is a message from XXXX XXXX to dispute this as well as a statement showing I do n't carry a loan with XXXX XXXX nor a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX has not removed an inquiry on my credit report from XXXX which was from a fraudulent attempt to obtain credit in my name. XXXX requested XXXX XXXX XXXX to remove their inquiry on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX without success. On XXXX/XXXX/XXXX I sent XXXX a letter at their request asking this inquiry be removed. I also attached a notarized copy of the Federal Trade Commission Identity Theft Affidavit showing the XXXX inquiry that was made as a result of identity theft. It has been almost seven months and I have not been able to have Equifax remove this hard inquiry by XXXX despite the XXXX requests from XXXX and my letter and FTC Affidavit requesting the same. The other XXXX credit reporting agencies have acted upon these requests and Equifax has not for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In  XXXX   XXXX  I sent a lette r to I.Q. Data International , Inc. as king for validation of debt with   XXXX   XXXX     XXXX   XXXX   XXXX . On  XXXX   XXXX ,  XXXX  I received a letter stating the prinicipal due is {$7000.00}, copy of a lease that expired  XXXX   XXXX ,  XXXX  and a move out statement dated  XXXX   XXXX ,  XXXX . An expired lease and a move out statement that I did not sign or agree to the amount owed is not validation of debt. Beginning  XXXX   XXXX  I have been disputing the validity of this account with all  XXXX  major credit bureau s (    XXXX   XXXX   XXXX   XXXX    ).  All  XXXX  credit bureaus responded stating the account is verified. They also failed to provide me with documentation they received to verify the debt.     On  XXXX   XXXX ,  XXXX  I appeared in  XXXX   XXXX   Superior Court and agr eed to the prinicipal judgment amount of {$4500.00} owed to the   XXXX   XXXX    XXXX   XXXX   XXXX . This account has been reporting to all  XXXX  credit bureaus incorrectly since  XXXX   XXXX ,  XXXX . Attached are documents received from  I.Q. Data International , Inc.,  and the Agreed Judgment Summary dated/signed  XXXX   XXXX ,  XXXX  by myself, my attorney, the attorney representing the   XXXX   XXXX    XXXX   XXXX , and the Judge.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Account opening, closing, or management

Complaint: On XX/XX/XXXX I opened a bank account at bank of America on XXXX XXXX XXXX XXXX XXXX XXXX XXXX California . The Banker seemed friendly I told him my reasons for opening the account was because I had written a book and wanted to accept payments from XXXX XXXX. I was also expecting a check from a car accident. The Insurance check came and I deposited into the ATM. I was later contacted and told there was fraud and that I had deposited a check from the account I just opened .As the insurance check. Then a few days later when I had my lawyer contact bank to verify that the check was Not a starter check from my own acvount. I have written boa and send in countless faxes and other documents. I was diagnosed with XXXX XX/XX/XXXX so my battle was stopped but during my XXXX battle I have submitted also numouris identity theft claims. I just want my like back.I have been even unable to get a job behind this.

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 09/24/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: This will be my second complaint against Ocwen in three months. I have applied to have my mortgage modified three times in the past year. Each time it was denied because we had the ability to pay the current payment. The loan was going to mature on XXXX XXXX 2015, and I contacted Ocwen a week before the maturity date to ask when I could submit another request. I was informed that as long as it was done before the loan matured, it would be considered for a loan mod. I asked the " relationship manager '' three times that if the request was submitted before the loan matured that was enough time to do a modification, and she said " yes ''. I submitted a request before XX/XX/XXXX., and on or about XX/XX/XXXX,XX/XX/XXXX, I logged-on to Ocwens website, and a message for our account stated that we were granted a 'trial loan modification '. Today XXXX logged-on to my account, and a message stated that our loan mod had been denied. I contacted Ocwens relationship manager, and told it was denied because the loan had matured, and they couldnt do anything. I am very upset. I have not recieved any consistent information from that company, and now we are in danger of losing our home

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I was notified through XXXX on XXXX XXXX 2018 that all my accounts with XXXX XXXX had been closed. 
( XXXX XXXX card ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX and XXXX XXXX with a Balance of {$220.00} when closed and now shows a High Balance of {$310.00} ). In which all accounts had been open in the month of XXXX which was reported to my credit report. I understand thatvthey have a right to close any account without such notice to the consumer however as a consumer to have such a negitive impact to your account within 1 month does not reflect well. This action on the part of the creditor will remaun on my report and it will not reflect in a positive way as the account was open and then immediately closed. I wish to have them remove all accounts from my crdit report and all inquiries that they have place on there. I understand that i may not be the most credit worthy however my past mistakes are from not understanding the importance of credit. However i wish to not have 6 accounts closed adding to the damage that is alredy impacting me that I am trying now to correct. I feel as though my privacy has been invaded by them rechecking my credit report therefore reverting too them closing all my accounts. It would have been better to have denied me all together then to approve me and close accounts that are in good standings and had never been used. 

When I initially contacted XXXX concerning this issue the young lady informed me that all accounts had been closed seemingly due to alot of recent credit inquiries and the only recommendation she could offer would be to write a letter and ask for a review to see if any of the accounts could be reopened. She offered to give me the address in which to write an appeal letter, but see as it was already decided i opted out and Thanked the young lady for her help. ( I was informed that all accounts had been closed as of XXXX XXXX and I was informed today that a letter explaing why they came to the decision was just mailed on XXXX XXXX. 

I thank you for your time and look forward to hearing from you concerning this matter. 

Best regards. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Debt collection (Medical) with Capital Accounts, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX XXXX 's Office at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, XXXX. Keeps billing me and reporting on my credit report an outstanding balance for service that was not performed on me and the bill does not belong to me. The item should be removed from my report as its impacting my credit score/report negatively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07-02-2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting XXXX accounts on my credit report, refusing after XXXX written request for investigations to remove, and in violation of the FCRA, reporting information that has n't been updated by the creditor, so the true status is n't known or sought. The specific accounts are XXXX XXXX XXXX with account no. XXXX, and XXXX with account number XXXX to include XXXX inquiries that were obtained not with accurate information. To wit, if someone knows the name, and address of a person, and creates a social security number not the consumer, the actual credit report of that consumer will be visible, illustrating the actual social security number as well. This was done XXXX individual times on my credit report. In addition the aforementioned accounts have n't been updated in over XXXX months, and the credit reporting agency is acting as the creditor, which is against the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: 18 year 's of credit deined to me using my real data as a 50 states IDs scams frauding me and my documents and as retailers business permits and products and skus and 50 states XXXX XXXX products and menu 's and groceries stores containers and advertising and schools and colleges frauding scams using my documents and auto stores and insurance workers and investment reps and XXXX and sales personal and attorneys and lawyers and judges and building permits and banking permits and politican listings and home land development and semi trucks companies and CDLs frauding me and my documents. 

I have been deniged credit cards for 18 years from XXXX XXXX, XXXX, XXXX, and XXXX and thru all banks to for credit cards. 

Even XXXX XXXX Even XXXX 's

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 12/28/2016 about Debt collection (I do not know) with Credence Resource Management, LLC (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Credence Resource Management showed up on my credit report and I have no Ideal who the creditor is. I currently do not owe anyone other than my less than 2-year history with my current creditor which I am not behind. I believe this is a fictional collector which is affecting my credit score more than XXXX Points. I have been the victim of identity theft 4 years ago and I believe this is a part of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Debt collection (Medical) with Focused Recovery Solutions, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently received a copy of my credit report and noticed some erroneous items on my credit reports. Focused Recovery Solutions is handling the collection of the accounts mentioned above. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Focused Recovery Solutions and me which makes them entitled to enforce a commercial claim against me. This is not a request for verification or validation. This is a request for strict proof of contract to substantiate their claim. Provide me with a certified copy of an original contract with my signature, specifically naming Focused Recovery Solutions entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2016 about Student loan (Non-federal student loan) with SIMM Associates, Inc. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I was contacted by SIMM associates regarding a past due balance for a private student loan serviced by XXXX XXXX. I was in contact with XXXX about possible forbearance options as I had recently lost my job. I am not one to miss payments and had a track record of on time payments since XX/XX/XXXX. In conversation with an associate from XXXX ( XXXX XXXX ), on Friday, XXXX XXXX, XXXX, I told XXXX that I would be making a payment directly to XXXX on the XXXX of XXXX XXXX my XXXX paycheck after 5 months of unemployment ). She insisted that I call to make the payment with her instead and I declined. After my interaction with these in incompetent people, why would I give them my bank account information? These people can barely formulate a sentence with proper grammar. On Fri, XXXX XXXX, I contacted XXXX to let them know I would log on to my account and make a payment to get my account to current status. I spoke with a nice lady named XXXX and she also said she has heard terrible stories about XXXX associate interactions. I proceeded to make my payment online with XXXX on XXXX, XXXX and received a confirmation number. XXXX said that if I contact SIMM, to supply them with this number in order to stop receiving phone calls. I contacted XXXX XXXX at XXXX, and supplied her with my confirmation # and requested that the phone calls to my personal phone, as well as my office line ( yes, these people are harassing me at work when I just started a new job 3 weeks ago and am trying to earn a living to pay them!! ) STOP. XXXX informed me that calls may continue through the weekend in order for the system to update. It is now one week later ( XXXX XXXX ) and the calls continue on a daily basis. I paid my debt and do not need to be harassed any longer!! I called SIMM on XXXX, XXXX XXXX and spoke with XXXX XXXX yet again to get nowhere. The excuse this time was that their employees do not check the notes in the system before they make calls. Really? Is n't that the point of a company having a tracking system in the first place?! These people are incompetent and XXXX and they need to be stopped!! We are now at XXXX XXXX and my phone continues to receive voicemails from these people. When will it stop? It 's been 7 days and I highly doubt that a system needs that long to update. If you have a good relationship with your client, communicate with them!!! The lack of communication between XXXX ( the servicer of my loan ) and SIMM Associates is unreal.

Company response to consumer: Closed with explanation