milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2017 about Consumer Loan (Vehicle loan) with NEW CITY FUNDING CORP. (NY).
Issue: Problems when you are unable to pay

Complaint: I applied for a vehicle loan and was told that I had a repo from new city funding. I have never had a loan through them, so I checked my credit report and did n't see it, finally I found it. Only listed on XXXX of the credit agencies. Somehow I was added to a loan in my fathers name fraudulently, most likely though the dealership he purchased it from ( which is no longer in business they were shut down due to fraud ) they had my information because I almost bought a truck from them. ( XXXX in XXXX ny ). On XXXX 's credit report for me it shows it was updated in XX/XX/2017 with the creditor new city funding stating the amount owed on the loan is {$6700.00}. I reached out to new city funding in hopes to get this removed off my credit report by just settling the debt for my father. I offered them {$4000.00}. they replied back and said the total amount owed was {$11000.00}. Which is not the amount owed. It also states on my credit report that the original amount was {$8000.00}. They have recovered the vehicle and sold it at auction. So with that the debt would go down. No way the debt is {$3300.00} higher than the original amount. I called them out on this with photos of the credit report, now they refuse to reply to me through email. I wanted to talk to them through email so that I had my own record of everything they said. This company is trying to take advantage of people.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (I do not know) with AFNI INC. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: After pulling a copy of my credit report i noticed that this company is reporting inaccurate information on my credit report and i have disputed this with the credit bureau as well requesting that this account be removed off of my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: EQUIFAX which has recently " verified '',  XXXX  &   XXXX   are all reporting a collection account,  XXXX   XXXX   XXXX   XXXX , AKA   XXXX   XXXX   XXXX   XXXX    ACCT. #    XXXX  IN THE ESCALATED AMOUNT OF  XXXX  DOLLARS FROM THE ORIGINAL AMOUNT OF  XXXX  DOLLARS ...  .THE ORIGINAL  CREDITOR IS   XXXX   XXXX   XXXX   XXXX   AKA   XXXX   XXXX  . THE ORIGINAL  CREDITOR HAS PERPETRATED " FRAUD '' in my case ...  ..I ord ered water service at a  XXXX  sales signup inside a  XXXX  store.What I signed up for was a  XXXX  dollars per month service.What I received was substantially higher on th e 1st bill, which were surcharges undisclosed to me in the sales   presentation .. . ..I sp oke to   XXXX   on the phone ... we could not come to agreement ... they would not relent on the undisclosed fees/surcharges so ... .. I told them to come pick up their equipment.They made  3  different appointments to come pick-up their equipment and were no-shows all  3  times.The machine/dispenser sits in my house to this day ... they obviously do n't want it.   What   XXXX  /  XXXX   XXXX   XXXX   wants to do is perpetrate fraud an d 1 ) overcharge on their service,2 ) '' sell me '' their equipment I do n't want, and 3 ) rin g up a huge unrealistic tab, give it to an relentless collector who could n't give a DV notice or Debt Validation .... because it would invoice or document their crime as evidence in court .... I have found out from the BETTER BUSINESS BUREAU that this scheme is being perpetrated all over the country.   So if the credit bureaus do n't delete.. the CFPB will receive a complaint against the collector/furnisher AND THE  O.C . the organizer of the fraudulent financial scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I applied for a vehicle loan while I was serving in the XXXX XXXX. The lender, XXXX Santander offered to finance me. Being that I was a high risk borrower they were the only ones willing to offer a loan. I purchased the car as well as full coverage and gap insurance. I made a few payments, one which one was late. After my late payment, the very rude customer service agent told me that any extra payment I would make ( I had added sometimes up to {$50.00} a month extra on my payments to go to principal ) would only go to interest and that was my only option. In the first week of 2014 I was home in Colorado having  finished my enlistment contract. I was blinded by the sun on the way to a Doctor appointment and hit a small parking lot cement divider. It was approx. 12 inches high. It totaled the car. I submitted the claim to XXXX who tried to pay the bank. Santander would not take the payment and listed on my credit report as they repossessed the car. Which is untrue. They finally took payment from XXXX after I disputed the balance on my credit report. They now, over 3 years later refuse to take payment from my GAP insurance and still report my car as repossessed. If my car is repossessed and not totaled out, I demand to see the auction report. They are required to auction a repossessed car and provide me the amount left on the loan. But they can not do that because the car was totaled and therefore not repossessed. Santander needs to remove the repossession off my credit profile before I sue them in civil court. I suggest if Santander offers any consumer a loan, they walk away from the dealership. Walking around town and taking the bus is better than dealing with this corrupt company.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (Credit card) with CITIBANK, N.A. (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was on XXXX from my employer. It has a 2 year time period in which they examine your case every 6 months then at the 2 year mark if they find you still XXXX it is for life. I was found to be XXXX until the second year mark according to my XXXX insurance. I am appealing this and probably have a malpractice suit with my primary doctor. I have had no income since XXXX XXXX. I also have a hearing with a judge on XXXX XXXX to see if I qualify for federal XXXX. I am doing some XXXX work when I feel like it for my brother and he is paying me a little.

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 11/14/2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Making/receiving payments, sending money

Complaint: US Bank continues to honor fraudulent money orders and will not close our business account. Our office was broken into twice, checks and money orders were stolen, the money orders were already cashed using US Banks product Single Point Scanning system where checks and money orders are scanned into their system rather than doing a manual deposit at a local bank. I have written US Bank a XXXX page letter asking them to stop honoring the fraudulent money orders and they tell me that they have to continue to honor them because they are US Postal money orders which requires them to honor the money orders even though they know they are fraudulent. There have been XXXX arrests in this case due to my due diligence in investigating the break in and finding the suspects. I am working with our local postal inspector, and Sheriff Department as well as local police. One of the suspects was arrested in XXXX, and I have been asked to appear in XXXX in XXXX to give a victim statement at the sentencing hearing. The other XXXX suspects court appearances are being scheduled and I am required to be present there as well. I will be happy to send you all the documents related to this fraud case, including the letter I wrote to US Bank and the response I got from US Bank. I was told by my US Bank representative that this was unprecedented and that the bank does not know how to handle this issue, so they decided to fall back on normal bank rules and regulations rather than work to correct this issue. My insurance company is completely stumped and can not understand why a bank would continue to honor what they know are fraudulent money orders and are considering not paying the claim because there is a continuous stream of money orders coming in weekly. US Bank told me that once the account is 30 days past due they will close the account and no more would be honored, so I thought it was over and my insurance company would then pay the claim, but without warning US Bank took money out of our other account to balance out and continue to honor the fraudulent money orders. So now I am back to square one, watching the money stack up and I ca n't do anything about it, my insurance company has hired an independent investigator to look into this issue and the bank is being uncooperative with him, he just wants to find out why and maybe the insurance company will then honor the claim. This is a very long and painful problem and I do n't know what to do at this point. If the bank wo n't give me the money back, and the insurance company ca n't pay because of the bank 's actions I may have to close my business because there is no way I can pay $ XXXX back. I need help.

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 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My identity was part of The XXXX breach. I have contacted XXXX and was alerted that I have a fraud alert and I believe that I XXXX have been impacted by this recent breach. I have several inquiries that I 'm unaware of and believe they have been placed on my account without my consent. The inquiries are going to be attached to this report. This is very disturbing and I have contacted Better Business Bureau, FTC, & I have gone down to the bank to file suit against XXXX and the companies listed on my report. I notice that these inquiries we 're reported to XXXX, XXXX, & XXXX. At this time I am very XXXX off that my information has been leaked and have been used. Now I 'm not sure what to do and do n't trust to many people. It is very stressful to know your personal information is out every where and it 's a shame that we have these issues in a country where security is suppose to be used for things like this. I want it removed within 24 hours at the latest and I wo n't accept nothing no later.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: I have a fraudulent inquiry from XXXX XXXX on my Equifax report that appeared on XXXX XXXX. I have contacted the bank and they sent me a letter confirming that the application was fraudulent. I have created a file containing this letter, my driver license, Equifax research request form and a letter with description of the situation ; and faxed it on XXXX XXXX. 
Today, on XXXX XXXX, XXXX, I have called XXXX to follow up on the paperwork and find out if they are working on removing the inquiry. What a horrible treatment I got First representative just put me on hold, and just never got back to me. I have called again and asked to be transferred to the US office. After passing XXXX XXXX security questions and being on hold a couple of times, he finally found my paperwork. Then it has become more interesting My ID ended up being blurry ; the letter from the bank also was not working for him. So, I asked, ok, let me fax you/e-mail you my ID again. Then I asked to explain why the paperwork I have send, doesnt satisfy them. What can I send them? I couldnt squeeze any answer from the representative. I asked to be transferred to supervisor/manager, but he refused! The I start asking him for his name, but I never got the answer! 
Not sure if it will help your investigation, but I was on a call with Equifax representative on XXXX XXXX, XXXX at XXXXXXXX XXXX. 
I am asking for your help as I believe no one should be treated like this. I am hurt! Please dont leave it like this. 

Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Dealing with Navient as my student loan servicing company has been very frustrated. I borrowed money to pay for some classes that I needed in order to complete certification requirements. I took few months off from studying and called Navient to see if I can postpone my payment because I was planning to return to my studies in less than two months. They suggested that I apply to forbearance and so I did. They granted me two months but failed to inform me that they will be reporting late payments to my credit bureau. This is inaccurate and should not be happening. My credit was drastically damaged from a score of XXXX to XXXX. I could not believe my eyes when I saw my credit score. I called Navient and no one was able to help me solve my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Collection was allegedly purchased by Midland Funding. On XX/XX/XXXX, {$1200.00} collection was removed from credit file after dispute through credit bureau. Received letter in mail dated XX/XX/XXXX in an attempt to collect {$1900.00} with monthly payments. XXXX online requests have been made to Midland since letter with ZERO response!

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Debt collection (Payday loan) with Financial Asset Management, Inc. (UT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They repeatedly call several times a day using false phone numbers from around the country and leaving an automated message not actual person calling me even after I 've contacted them letting them know when I can pay. And they deny that it is them calling me. This happens about XXXX times a day. It has caused a great deal of stress for me affecting my job as well as personal life.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed accounts listed on my Transunion credit file. Transunion has ignored my request to provide me with the documents that they have on file that were used to verify the accounts. Transunion has exceeded the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA. They are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter promptly.

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 03-08-2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX We are filling a complaint about PNC Mortgage. 
We have been trying to get our PMI cancelled for about 2 years. 
I believe that PNC is in violation of the The Homeowners Protection Act of XX/XX/XXXX. 
The value of our house has reached the XXXX % threshold for automatic termination a long time ago. 
PNC refuses to do so. We have never received a schedule for our PMI to be cancelled. 
I have written numerous letters to them, most with no response at all. 
However the final straw was last month ( XXXX XXXX ) when we had our house appraised. Our appraisal was done by a certified Washington State appraiser ( I have attached the summary ). Our house was appraised at {$210000.00}. We owe {$120000.00}. PNC will not accept this appraisal and again refuses to cancel our PMI. I believe this is a violation of the The Homeowners Protection Act of XX/XX/XXXX. 

We request that our PMI insurance be cancelled according to the The Homeowners Protection Act of XX/XX/XXXX. 
If you can help in any way it would be greatly appreciated. 
Please let us know how we can proceed to have our PMI cancelled. 
Thank you

Company response to consumer: Closed
Consumer complaint received 08-03-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Someone other than myself who was not authorized by me has illegally obtained a credit card and defaulted on the charges. This collection agency purchased the debt from a credit card issuer that is no longer in business and illegally obtained a default judgment against me without my knowledge. When I was made aware of the debt, I requested evidence to support/validate the debt as belonging to me. This company has nothing to support the debt or judgment being accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Payday loan () with CHECK INTO CASH INC. (TX).
Issue: Received a loan I didn't apply for

Complaint: there was a loan with check n cash and XXXX finance in my name and i didnt authorize a loan in my name. the company did not ask for any address, identification, or income verification. They said it was sent to an XXXX and i do not bank with XXXX. I called the bank but they have no account in my name

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NV).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My balance is n't updating in a timely manner

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 09/22/2016 about Debt collection (I do not know) with Miller, Stark, Klein and Associates (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX continues to call me and leaves threatening voice mails. They tell me they 're looking for me but do not have my correct SS number. I tell them I 'm not the person in question and to please do not call back. 
They have ignored my requests. Is this my only recourse?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been wrongfully denied a loan modification by my mortgage servicer America 's Servicing Company / Wells Fargo because they claim that the alleged investor owner named XXXX XXXX XXXX XXXX will not Grant a loan modification to me a second second time within a five year period. However I have demanded legal proof that this investor actually owns the mortgage and provided them a fraudulent assignment of mortgage that was recorded against my property on XXXX XXXX XXXX buy a robo signer and fraudulent individual named XXXX XXXX XXXX a well-documented robo signer who claimed to be an assistant secretary for XXXX. The fact is XXXX XXXX XXXX XXXX has fraudulently claimed to be an owner of my mortgage when in fact the used fraud to make such a claim. I have attached a copy of the fraudulent assignment for your inspection. Secondly ASC / Wells Fargo failed to provide me any evidence or proof that the reason for denial is Justified or stipulated in any of my mortgage documents as they claim. I firmly believe that these entities are working in a conspiracy to steal my property and deny me the right to keep my home. Now they have a sale date scheduled for XXXX XXXX XXXX as an attempt to take my property even after I have proven that I do qualify for a loan modification once again and even after they have failed several times to meet my demand to prove that XXXX XXXX XXXX XXXX actually owns my mortgage without the fraudulent document recorded as an assignment of the deed of trust in 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 07-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I settled with them. I was told the account would be marked as PAID and closed. It never did. I was told that I should expecting a letter from them stating I pay the agreed amount. I never did. I believe I was scammed by these people

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: Ive called equifax several times over a 5 month period to get my credit report unlocked because chase bank said it had a report freeze on it so Ive been unsuccessful dealing with equifax, every time i call i get a different answer on XXXX XXXX, 2017 is where I draw the line. First an equifax employee said i have no freeze or lock on my file but when I try to get the bank to pull it they say its still locked, Ive done that a few dozen times! Its a shame that they sell you a service to lock and unlock your credit report could turn out to be the worst decision

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CO).
Issue: Advertising and marketing

Complaint: American Express offered my minor son, XXXX, a Credit Card. I 've complained once before and they promised to stop ... but obviously they lied and are n't keeping their promise. They must stop now.

Company response to consumer: Closed with explanation