milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-02-2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a home in XX/XX/XXXX in Georgia. My family fell upon some hardships which impacted our income so we applied for a modification. I was able to use a 3rd party attorney and get a {$85000.00} principal balance reduction. One month later, XXXX XXXX XXXX sold my mortgage to BSI Financial Services who then told me I needed to do another modification as they welcomed me with a raised mortgage and changed terms under which I had already signed with XXXX. They notified me that my payments would not be accepted and returned and now they have a sale date of XXXX/XXXX/XXXX set on my home. I went through XXXX representatives that did not follow up or process paperwork submitted in a timely manner but yet sent me letters about modifications being denied because of missing paperwork. I have expressed complaint and concern via phone and email. I have requested a Qualified Written Statement and Validation Letter twice which did not address my concerns. I am not happy about this unfair shark and predatory practice to take my home without properly notifying me by letter of a foreclosure sale date and changing terms of mortgage after they purchased it. BSI Financial and I have no written or verbal agreement on terms. I want to keep my home but want fair practices and lending to be enforced. It is not my intent to defame or tarnish the character of this company but wrong is wrong and to put a GA XXXX, wife and mother of XXXX young children out on the streets is a violation under the unethical practices they have displayed. The company has called my home and cell phone despite my letters to them to contact me in writing. These are infrigements. I have recorded conversations ( authorized under GA law ) of representatives of the company admitting to seeing where I have submitted paperwork and they had dropped the ball weeks later by not processing it and wanting me to resubmit to correct the wrongs they have made. I WANT MY HOME and desire for BSI FINancial to make this right for me and my family. We have lived in this home for 10 years. It was our first one and where many memories have been made but for the greed of a dollar and ask me to think of an " exit strategy '' 4 days prior to a sale date is inhumane. I want my home and desire to remain in it if BSI is willing to correct its wrong and practice fair lending. They can submit to me in writing how they would like to repair these damages and them changing the terms of the mortgage after purchasing it ( no good business )!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm a XXXX year old XXXX that has a 10.99 % interest rate on my primary property with loan servicer Select Portfolio Servicing. I requested a refinance so that I can lower my interest rate and mortgage payment and SPS advised my to apply for a loan modification. I was approved for a loan modification with an interest rate of 9.74 % and they added {$2000.00} to my principal balance. SPS claims they based the loan modification on the information that I sent in. However, the information that I sent illustrated an income lower than they income they used to structure the loan modification. SPS wants me to start a trial loan modification that I strongly disagree with because the income is n't correct and the interest rate is too high

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (GA).
Issue: Problems when you are unable to pay

Complaint: I purchased a vehicle around XXXX 2008. Due to financial difficulties, I fell behind on my payments, and the vehicle was repossessed. The company sold the vehicle, and filed a judgement against me. They are stating that I owe over the purchase amount of the vehicle.

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 07/28/2015 about Debt collection (Medical) with USCB, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For some time now I have tried to find out I keep getting billed for a XXXX panel done XXXX/XXXX/15. XXXX denied the billing as not medically indicated. I have asked that the coding under which it was billed be checked to make sure it was correctly coded and the doctor be contacted to verify that she ordered the test as medically necessary. I have had many conversations about this by phone and email with the billing department and they assured me that it would be looked into and they would know more in XXXX weeks. Today I was surprised to receive in the mail a bill from a collection agency XXXX USCB America XXXX indicating that the account was turned over to them as delinquent. Seems to me that you are not treating me fairly as on one hand your are supposed to be addressing my concerns while on the other you go behind my back and treat the account as delinquent. Please note that I have complete insurance coverage with Medicare and Tricare for Life and usually do not have any medical payments as Tricare for Life pays any charges left after Medicare. I have been told that I signed a form indicating I would pay for the procedure if Medicare did n't, however the form also indicated thatthe estimated cost would be zero [ {$0.00} ] which was the only reason I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: THERE ARE SEVERAL CREDIT INQUIRES XXXX, XXXX BANK XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, AND XXXX INQUIRES ARE ON MY CREDIT REPORT THAT HAVE BEEN DISPUTED SOME HAVE BEEN REMOVED BUT SOME REMAIN THAT DID NOT HAVE AUTHORIZATION TO PULL MY CREDIT REPORTS I REQUESTED VALIDATION TO SHOW WERE I AUTHORIZED THESES CREDIT INQUIRES AND IMPROPER RESPONSE WAS SENT BACK NOTHING SHOWING WERE I SIGNED TO HAVE MY CREDIT PROFILE PULLED

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 03/28/2015 about Payday loan () with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Charged fees or interest I didn't expect

Complaint: I apply for a Loan with no interest for XXXX month. Very small amount. Everything was approve and sing for. XXXX or XXXX weeks later I get the regular payments plus an interest of 29.9 %. I call the bank and the only they can say is that they do not have any promotions and ca n't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Mortgage (Conventional home mortgage) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Trouble during payment process

Complaint: With the following statement and attached documents I want to show an error in the Outstanding Principal Balance of my mortgage loan. 

My original loan mortgage amount is {$160000.00}. As for ( XX/XX/XXXX), I  made a total of 14 regular monthly mortgage loan payments. The regular monthly payment amount ranged from XXXX XXXX, and the regular monthly amount applied towards the Principal Balance ranged from {$270.00} to XXXX ( {$270.00} average ). If we keep it simple, 14 payments at  {$270.00} equals a total of {$3800.00} that should have been applied towards my Principal Balance. Therefore, my outstanding Loan Principal should be of approx. {$150000.00} and NOT of {$150000.00} as it shows in my last loan statement ( XXXXXX/XX/XXXX ). 

The origin of this error is a cascade of miss-adjustments done by Huntington Bank in XXXXXX/XX/XXXX to reverse an automatic regular payment done from my Asterisk Free Huntington Checking account towards the Principal of my loan on XX/XX/XXXX. 

I used to pay ( XX/XX/XXXXto XX/XX/XXXX) up front monthly regular payments with personal checks as shown in Transaction History attached document. I was not aware that Huntington Bank set up automatic payments from my free asterisk checking account until I received a notification of Not Sufficient Funds ( NSF ) in XX/XX/XXXX. At that moment, I requested a reversal of {$1000.00} to my checking account and to suspend automatic payments from my Huntington Free Asterisk Checking Account in order to avoid double monthly payments ( Personal checks and Huntington Checking Account ) This statement and the documentation provided ( Loan Payments -Transaction History MSU-FCU, Asterisk Account History ) with this letter should clarify this issue. I demand an immediate action to correct my principal balance : a reimbursement of approx. {$780.00} towards the Principal Balance of my mortgage loan. 

After all it has been 1 year since I brought this problem to the attention of Huntington Bank and despite my efforts, it has not been solved yet. 

I would like a detailed explanation from Huntington Bank Thank you for your understanding

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 am writing to file this complaint because Equifax & XXXX have failed to respond to my request to remove multiple inquires from my credit file that were not authorized. There are numerous inquiries showing on my credit report that I did not Authorize! I have disputed them over 4 times as well as made numerous phone calls regarding this matter and I get the same response few days later. This further lets me know they have not verified these inquires and continue to send me the same generic response. I have asked for signed consent from myself to any of the companies listed verifying I have giving authority to have my credit pulled which I have yet to receive. I am submitting this complaint with you today in hopes that you can help me! 

I understand that the FCRA states that the only permissible reasons for pulling someones credit is for : Firm offers of credit, Insurance, EmploymenXXXX and court order, none of the listed permissible reason apply to me. As I have NOT authorized anyone written, implied or verbally to pull my credit. I also am aware that Credit Bureaus are not allowed to put an entry on my file unless I have authorized it. I

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is not responding to my requests to investigate and remove XXXX accounts from my credit report that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My personal information was used without my authorization to co-sign on a auto lease for 38months. 
I wasnt aware until I received a letter in the mail regarding an early lease termination. 
The bank has the auto and sold the lease to another dealer. 
There is a remaining balance and the bank still wants me to pay for this while the primary lease holder is not owning 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 01/14/2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (NV).
Issue: Managing the loan or lease

Complaint: XXXX/XXXX/17 I ORDERED furniture from XXXX XXXX XXXX ( XXXX ) in XXXX XXXX UT. The furniture was to be paid for with an XXXX XXXX XXXX DBA XXXX Bank. I was required to pay for the 'Taxes ' up-front. This was done with my Well Fargo Credit Card in the amount of {$100.00}. Approximately a month later upon the estimated delivery date, I learned the furniture had not been ordered. In the interim I was first told the chairs were not available, then after research on my own this was not correct. A new sofa was to be ordered with the chairs. None of this happened. The 'floor model ' sofa was retained for my order. XXXX XXXX was unable to provide the services/furniture as expected and could not provide any additional information on the order. Phone calls sent me to warehouse were there was nothing for delivery. The manager refused to talk with me. My sales rep could not provide me with any solid answers for status. The order was NOT cancelled by me, it could not be delivered by XXXX XXXX. XXXX XXXX continued to bill Synchrony Bank. I disputed the charges. Synchrony Bank ruled in my favor and returned the charges. Wells Fargo as refused to refund the 'taxes ' based on the XXXX XXXX Cancellation Policy of cancellations subject to a XXXX % restocking fee. The order was never ordered to be considered for restocking fees and the same paragraph states 'floor models ' of what was retained for my order was 'SOLD AS IT WITH NO RETURNS '. I did not order the 'floor model ' and it was never delivered to be attempted to return. I submitted a dispute with Synchrony that was ruled in my favor. I submitted a dispute with Wells Fargo of the 'Tax ' charges and was denied for reason stated about. I reopened the dispute providing Synchrony Bank 's decision and to date have not received a reply. I do not have evidence of the Wells Fargo dispute documents. The Wells Fargo system removes documents after a small window of opportunity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX old tax liens that were paid/satisfied/released. 
XXXX from XXXX for {$800.00} and XXXX from XXXX for {$930.00}. These showed up on my credit reports last year ( XXXX ). I filed a dispute with all XXXX credit reporting agencies. 
XXXX removed both of them immediately. 
XXXX removed the XXXX from XXXX, but not the XXXX from XXXX. 
Equifax did not remove either XXXX. 
I would like XXXX and Equifax to remove these outdated derogatory reports. Thanks in advance for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Debt collection (Auto) with CREDIT ACCEPTANCE CORPORATION (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: this was filed in chapter XXXX and should be removed off credit report as promised

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 12-06-2016 about Debt collection (I do not know) with The Stark Collection Agency, Inc. (WI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My wife and I have a home loan, but NO OTHER DEBT. We are not only current on payments to our loan, but lucky enough to be able to pay extra. 

XXXX Debt collectors keep contacting me and threatening me that I have outstanding debt and that they are going to take our home, but wo n't give any information to me unless I give them personal contact information. 

I did NOT give them any information, so I do n't know the nature of the false debt or whether someone else is fraudulently using my name. I ca n't tell if THEY are the scam, or someone else is using my info to rack up debts. Please help! 

The number they used is XXXX extension XXXX THANK YOU for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The security breach of Equifax disclosed on XX/XX/XXXX represents a gross misconduct on the part of a private firm which wields far too much power over the financial life of the average American consumer. The mishandling of vulnerable information ( including sensitive data such as credit history and social security numbers ) puts me and an estimated 143 million of my fellow Americans at risk. Furthermore, is abhorrent that this breach was only disclosed recently despite the fact that Equifax has been aware of the issue since XX/XX/XXXX. Finally, the fact that Equifax is able to profit off its own criminal negligence by charging consumers for credit protection and freezing is both morally and legally repugnant.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I am a victim of ID theft from several years ago. I need to unlock my credit for XXXX hrs. to get an apartment for my son to go to college. Equifax now ( did not do in past ) says if you want your credit unlocked immediately you must go online and pay through their website. If I use an agent ( free ) it could take XXXX business days. The problem is the apartment complex can not take the time to check my credit every day for XXXX or more days. This is an intentional effort to create a very inconvenient situation so that a person will pay to get it done in a timely manner. They are trying to thwart the law. I can only imaging how many honest ID theft victims have fallen for this scam from a company that is supposed to protect us from it. 

Thank you very much. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2017 about Credit card () with PNC Bank N.A. (MI).
Issue: Billing disputes

Complaint: This is both a follow up and additional complaint against PNC bank. Around the XXXX week of XX/XX/2016, I reported unauthorized transactions on my PNC Visa business card. I spoke to a fraud investigator, detailed each transaction as required. I also requested in writing all correspondence done in writing via either PNC banks own secure message system, on line chat, email or USPS for accuracy purposes. I am sure everyone agrees this is the very best way for transparency and assure neither side is limited to the facts. However, PNC claimed my original dispute was MISHANDLED. and requested another detail list of all the transactions. This seemed strange to me, they have a recording of the conversation, therefore a record of everything said. Why would PNC bank REFUSE to access their own record? Further, PNC bank continued attempts to have my 2nd dispute over the phone. Why would I provide them another dispute over the same format they admitted mishandling and refuse to acknowledge having? Therefore, I provided a 2nd dispute in writing on XX/XX/XXXX, through PNC banks own Messaging platform, this way there is no discrepancies or possibility of any attempt to claim it was NOT received, right? Both sides now have a copy. I mean KNOW WAY would PNC bank be so bold and defiant to LIE! 
Well, brace yourself for this one. Just yesterday I received a letter from PNC bank, dated XX/XX/2016 from XXXX of the Dispute Resolution Department claiming ... I never provided them with details of the unauthorized transactions " ... You have NOT responded to our request for information. As a result, we can not conduct an investigation into this matter, we have closed our file and you WILL CONTINUE TO BE RESPONSIBLE FOR ALL AMOUNTS DUEAND OWING .... '' Now either PNC bank is recklessly incompetent, or deliberately lying. both violations of out agreement, which is an agreement of adhesion ( in other words, they created and dictated the agreements had no say in any terms, yet they still break it ). Further I have disputed the amount owed with XXXX, therefore setting up for future damages. If pnc bank reports the balance to include the disputes transactions as accurate it will trigger the FCRA violation standard allowing me to sue. interesting what the CFPB intends to handle this, because by PNC banks own actions they are sending a clear message that the CFPB has zero leverage with them and PMC clearly has no respect for federal agencies.

Company response to consumer: Closed
Consumer complaint received 10/19/2016 about Consumer Loan (Installment loan) with ACE CASH EXPRESS, INC. (CA).
Issue: Problems when you are unable to pay

Complaint: I took out a loan with Ace Cash Express. I was unable to pay on the loan due to garnishment. I continue to receive harassing calls from them stating that I will be sued. In fact, I received a harassing call today from XXXX, using legal jargon that I would be arrested and that someone would be coming to my resident to serve papers. This calls are daily and I do n't appreciate it. I 've tried to work with them serval times before, but I just continue to receive harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I called  XXXX  to update my personal information and an address (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , ga  XXXX  ) that does not belong to me could not be removed. The agent stated that it is linked to an account (  XXXX   XXXX   XXXX ,  XXXX  ) that does not belong to me.

Company response to consumer: Closed with explanation