milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XXXX of XXXX. I purchase a XXXX XXXX XXXX from a local Georgia dealer. Chrysler Capital financed the purchase. My business finances took a sharp nose dive which in turn affected how and when I could pay my bills. XXXX XXXX, the vehicle was repoed with Chrysler Capital selling the vehicle for approximately 19,000 give or take which left a balance of XXXX. Fast forward to XXXX when an inside collection agency within Chrysler Capital sent me a collection notice for XXXX. I contacted and use an attorney to deal with the matter. Attorney sued and won a judgment against XXXX XXXX. Chrysler Capital and their collection agency should have stopped their collection attempts. Instead Chrysler Capital has added this fictitious balance to my credit reports as of two weeks ago. They are in totally violate the FCC rules and regulations. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Other debt) with Credit Clearing House of America, Inc. (KY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: At this time The credit clearinghouse is currently in the process of taking me to court for a judgment on the behalf of XXXX XXXX XXXX. XXXX XXXX XXXX had threatened me with legal action in regards to funds that were placed in their financial institution when i was a victim of Theft by Deception under the premise of successfully gain employment. Due to the theft by deception i was not able to secure employment. I was told that a police report could be used to help remedy the situation/ Please review the attached police report for more information. Half of the balance that was owed has been paid and i was unable to continue payments due to being underemployed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX, a cell phone provider, inaccurately reported to the credit bureaus, a cell phone account balance in the amount of {$89.00}, that belonged to somebody else. XXXX XXXX agreed to remove the negative credit item from my credit reports in XXXX, XX/XX/2014. The representative for XXXX XXXX was XXXX, Badge # XXXX, who I spoke to at XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX did in fact delete the original credit item in XXXX, XX/XX/2014. Please refer to the XXXX dispute results, dated XXXX XXXX, XX/XX/2014. However, XXXX XXXX reinserted the previously deleted information through Pinnacle Services Credit Services, LLC in XXXX, XX/XX/2014. Please refer to XXXX report # XXXX, dated XXXX XXXX, XX/XX/XXXX This action taken by XXXX XXXX one month later violated our agreement that the disputed cell phone account was not mine. Pinnacle Credit Services , LLC has responded to me that they do not delete inaccurate, previously deleted credit items. XXXX XXXX, to date, has refused to voluntarily correspond with me regarding this matter. 
I have suffered personal damages due to being denied credit during this period of time. These damages are a direct consequence of XXXX XXXX ' civil tort against me, by inaccurately reporting negative credit information, agreeing to delete the inaccurate credit information, and then subsequently having Pinnacle Credit Services , LLC reinsert the negative credit item under my name. Pinnacle Credit Services , LLC is also liable for unlawfully reporting the previously deleted negative credit item under my name, and failing to remove it voluntarily. 
I request that CFPB investigate this matter thoroughly, and penalize these offending parties for not acting justly, and in good faith, to restore my good credit, and failing to abide by the terms of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Experian drop my credit score by 28 point. Im mortgage company sold my account to another company. Other than one new. Credit card account there 's been no changes. How do my score drop 28 point. I believe this is unfair scoring.

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 03/28/2018 about Debt collection (Other debt) with Source Receivables Management LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: From : Source XXXX XXXX Phone XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX I received a written notification on XX/XX/XXXX ( dated XX/XX/XXXX ) about an unpaid balance of {$93.00} related to the preparation of my XXXX tax return prepared and e-filed at H & R Block in XXXX. 

I contacted Source Receivables Management debt representatives at XXXX. The representative was unprofessional and disrespectful. As I attempted to explain that I was a victim of identity theft, he continually interrupted, called me a liar, and raised his voice. 

I tried to explain to the Source Receivable Employee, a criminal named ( let me know if you want his name ) committed tax fraud with my identity. This has been verified by the Department of Treasury.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Settlement process and costs

Complaint: In 2010 entered into a Loan Modification Agreeemnt with Bank America who charged me {$17000.00} in fees and costs. This amount is grossly overcharged. I received a schedule of fees and costs for a for {$1900.00} from BofA. The Bank has overcharged me for the sum of {$15000.00}. Bof A has not responded to my numerous complaint and a Respa complaint. This matter is quite straight forward and relies on the Banks own documents. I have attached the documents and my most recent letter. I want the correct sum of {$15000.00} paid back to me via check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Credit line increase/decrease

Complaint: Chase Cards arbitrarily cut my credit limit on XXXX cards, XXXX of which I have had for XXXX years. I have not missed or made a late payment on any financing in over XXXX years. 
I am now financially strapped, trying to relocate and run my business, support my family, and deal with several major illnesses. The last thing I need is to receive a form letter telling me the computer thinks my limits should be lowered. 
I do not want anymore than a return to status ante and the credit I have earned.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Debt collection (Auto) with M. Richard Epps, P.C. (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This debt collector has successfully garnished my wages on my first job in six years, without notifying me that 1 ) I was being sued 2 ) had a court date 3 ) served me at an address that I had n't lived at for several years nor that I had the right to dispute. Lastly, I had a clear title to the vehicle that they are claiming to be collecting on.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX a balance of {$0.00} from XXXX XXXX XXXX   appeared on my Transunion and XXXX credit report. I am challenging Transunion and XXXX  to verify this account Per Section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false or erroneous reporting.This section of the ( FCRA ) places the burden upon the credit bureaus and creditors to provide the credit bureau a copy of the ordinal creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.

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 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 11-01-2017 about Payday loan, title loan, or personal loan (Installment loan) with LENDMARK FINANCIAL SERVICES (NC).
Issue: Problem when making payments

Complaint: Monthly statements do not display current interest rate or breakdown as to how much of monthly payment is principal versus interest. 

I have written to the company asking for the interest rate of this installment loan, and requesting the XXXX interest rate reduction - but, my correspondence has been ignored. 

I am a reservist who has been on multiple periods of XXXX XXXX orders since getting this loan ( for an HVAC replacement ) ... But, the company ignores my requests for information about XXXX interest rate reduction. 

Account : XXXX Please help. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: We ran into a job loss about 4 years ago and we did what everybody told us to do. We called Wells Fargo our mortgage company and asked what we could do. this was after exhausting all savings and XXXX to try to keep mortgage current. They gave us a plan for reduced payments for 3 months which we did and at the end we got another 3 month reduction at a higher payment. At the end of this period we got a bill for a balloon payment for all the back due. We were never told about this. Lie # 1. The next thing we know is that we were in foreclosure. We then whet through their program to modify the loan. Over the next several years, they lost our paper work at least 3 times and we submitted document after document and were denied. Finally I was told that it looked good but then my wife 's and my student loans were brought into the equation and it was denied another time. Meanwhile we paid the payments until they refused payment. We tried to sell the property, we tried short sell and were denied and we tried a deed in lieu of foreclosure and was denied twice. XXXX we decided to move and abandon the property and we had to tell them to take it to sheriffs sale and now it was stayed on XXXX/XXXX/XXXX. We just want them to take the property, but they seem to want to drag this out as long as possible. The agents at Wells Fargo have lied to us and even went so far as to tell me about her son being XXXX from the military. I have spoken to their executive office and got no resolution. I feel I have done everything to try to save this property, but at every turn have been treated unfairly and it seems that for some reason Wells Fargo is racking up charges to try to get more money from the FHA. Now I just found out that the reason for postponement for the sale was because they think we are XXXX military. I am XXXX and my wife is XXXX, we have both been XXXX military since XX/XX/XXXX and my wife since XX/XX/XXXX. Just another delay and more charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Debt collection (Payday loan debt) with CURO Intermediate Holdings (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Company failed to provide me written notice of intend of collection and give me a change to pay. They call my cell phone numerous times every hour through out the day the calls never stop. Its disrupting me while Im at work, and driving having dinner and sleeping. I feel like I pay my cell phone bill just for these people thats how much they call me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Previously delected items were added onto my credit report without prior written notification. Per FRCA Section 611 all items must be removed XXXX XXXX I XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXs XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (MA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX I made a " CASH '' deposit of {$500.00} to my TD Bank account. An hour later I made a transfer of the same amount {$500.00} from my account to another TD Bank account. TD Bank is telling me that even thought the deposit was made before the transfer and it was CASH, the deposit was not available until the next day which made my account OVERDRAWN and they charged me a maintenance fee. It sounds like a robbery to me.

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

Complaint: Equifax security breach exposed my name, Social Security number, birth date, address and drivers license number as well as Credit card numbers possibly.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Mortgage (Other mortgage) with PNC Bank N.A. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: A short sale transaction was submitted to XXXX XXXX/XXXX/XXXX. This was a complete file. By XXXX XXXX, XXXX we found out that PNC had ordered XXXX appraisals and each were coming in around {$130000.00}. We received the attached denial letter in the mail. Stating the offer did n't meet the required NET. We were short by {$6500.00}. It took 2 months to reach this point. We were not countered, when the file was closed and PNC responded that USDA does n't allow counters. In discussing this with USDA they stated on XXXX/XXXX/XXXX that it was not true and in fact PNC makes that determination. So we countered the buyers and submitted the offer at {$120000.00} which was the required offer price. By XXXX/XXXX/XXXX we refaxed the completed short sale package, by XXXX/XXXX/XXXX were were notified the file was submitted to the investor for approval. 

On XXXX we were notified that the loss mitigation file was being closed out because the guarantor ( USDA ) was taking too long to issue their decision of approval or denial. She stated, however, that the file would be reopened once a decision was rendered. 2 days later we were advised that the file would be reopened only if USDA 's response was received prior to XXXX/XXXX/XXXX. If it 's not, then the file will be removed from loss mitigation permanently. We then opened a CFPB complaint over this case # XXXX inquiry ID on PNC end was XXXX. We never received any follow up on this matter. 

Buyers walked on XXXX tired of waiting. 

New offer was then signed on XXXX complete offer and full SSdocs submitted to PNC on XXXX. Today we called and were told the file was closed because of a " churn '' Policy which apparently means you can only apply for assistance so many times. 

First of all the borrowers only have applied 1 time for assistance. PNC is all its ignorance are the ones that closed this file and offer out not once but XXXX different times and the last 3 times had nothing to do with what the guarantee wanted nor what USDA guidelines state. I will be in fact bringing this story to our attorney general and and the media if this is not investigate immediately. This is unacceptable on multiple fronts. This seller fell into hardship when he was XXXX to XXXX in XXXX. This is completely unacceptable on so many fronts. He has been trying to work with PNC for a year and all your company has done is find excuses to close his file over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently reviewed my credit report and noticed credit inquiries that I did not authorize. According to the Fair Credit Reporting act ( FCRA ). The following inquiries I did not authorize and/or recognize : XXXX. XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX NA - XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX  XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX It is XXXX responsibility to make sure a creditor provides a clear reason along with permission before releasing a credit report of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: not able to get free credit report. after being denied credit. have to send photo copies of identity, and address.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (MD).
Issue: Application, originator, mortgage broker

Complaint: We are currently potential buyers in a short sale with a seller-accepted offer waiting for XXXX approval. We began shopping mortgages in XXXX ( XXXX, XXXX XXXX, XXXX, & Quicken Loans ). Of those, only Quicken Loans has been calling our home several times each week with highly aggressive tactics, pushing us forward in the loan process without yet having a completed contract. I was assured on the phone that there was no cost or obligation as we moved forward. We made a {$500.00} good-faith deposit with Quicken Loans, and we were told it was refundable of the mortgage was not completed. QL went ahead and ordered an appraisal on the home -- again, without a contract. We have now been told that cost of the appraisal and credit report will only be refunded if the XXXX bank does not complete the contract, but if we choose to go with a different lender, we lose that money. When I raised an objection with XXXX XXXX, saying that there must be phone recordings, he ordered an internal investigation, returning, " My Client Relations team reviewed the calls and confirmed that the proper expectations were set regarding the deposit. '' I replied requesting access to the phone records, and then received a call from XXXX XXXX " from the Executive Office at Quicken Loans. '' She refused to share the phone records. ( She did n't quite seem to understand that a secret internal investigation inherently has no integrity ; she kept assuring me of *her* integrity. ) I want to be able to review the phone records of my conversations with XXXX XXXX and XXXX XXXX in order to say definitely whether or not I was lied to on the phone, misled by missing information, or if I was careless. 


XXXX XXXX | Senior Purchase BankerDirect : ( XXXX ) XXXX | Toll Free : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX | NMLS # XXXXXXXXXXXX XXXX XXXX | Senior Purchase SpecialistDirect : ( XXXX ) XXXX | Toll Free : ( XXXX ) XXXX XXXX : | Fax : ( XXXX ) XXXXXXXXXXXX XXXX ( " from the executive office '' ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (IA).
Issue: Loan modification,collection,foreclosure

Complaint: Dear CFPB, We had been problem with Citibank for XXXX year. We was not able keep property up for sale and it went under contract XXXX times. Each the over of Mortgage ( XXXX ) keep denying the sale. Also other sale contract coming in close to the full listing price, Awhile this negotiating process was going on and the Foreclosure was still going on without my knowledge. We just found out today that property is listed for sheriff sale in about XXXX week. All the while we understood that the foreclosure was put up on hold. We need help, we are trying sell property and we have worked with the lender in every regard. We believe this is illegal because it called dual tracking, neggotiaty XXXX hand and foreclosure with other. 
Thank youXXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: An account with XXXX XXXX was foreclosed in XXXX, XXXX. The credit reporting agency XXXX and Experian still displays that the account foreclosure is still in progress. XXXX is the only credit reporting agency who rectified the information. The account was foreclosed in XXXX, XXXX and they still have it reported as of 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