milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with PENTAGON FEDERAL CREDIT UNION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have several outstanding issues that remain unresolved with my PenFed accounts. 
1. My auto loan title thing remains unresolved. I had previously sent the original title as requested by PenFed. Then when they lost that, I sent a copy. They did n't accept a copy so I had to get a duplicate title which they 've now acknowledged receiving but the issue is not yet put to rest. This was the subject of a previous complaint. 

2. My first mortgage loan still has mortgage insurance on it. This was the subject of a previous complaint - PenFed agreed to remove the mortgage insurance once an appraisal came back with a value that put the loan to value ratio below 80 % ... which has been done but I am still being charged MI. 

3. My home equity line of credit application is still in limbo. 

4. I was charged twice for the appraisal. I was promised a refund but this has not yet materialized. 

5. My application for an XXXX XXXX travel points card has not been processed. 

6. My overdraft line of credit is not linked to my checking account rendering it useless.

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 monetary relief
Consumer complaint received 10/19/2016 about Debt collection (I do not know) with ARS National Services, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My family is harassed by calls at all hours of the day ( including on weekends ) from ARS National Services, a debt collector, asking for an individual named XXXX XXXX. This person has never lived in my household. I have asked ARS multiple times for my number to be removed from this list yet I continue to get calls. This has been going on for months. I have asked them multiple times for the creditor they represent but they have refused to do so and have hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (MA).
Issue: Managing the loan or lease

Complaint: on my auto loan Wellsfargo Dealer services never informed me that it was An Autoloan /Simple Interest Loan that I pay {$300.00} per month and all I am Paying is on the Interest only My interest is 14.75 % apr and I have paid over {$2000.00} in interest I find this to be a problem and then they are saying that I am 60 to 90 days late which that is not true but can Explain better talking to someone I will never Recommend Wellsfargo Dealer Service to noone

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (AZ).
Issue: Managing the loan or lease

Complaint: Wells Fargo Dealer Services wo n't auto-apply over payment to principal. I just looked and the {$1000.00} check I sent only applied {$900.00}. I included a note asking for it all to go to principal. This morning the guy told me that I have to actually write it on the check for them to apply the payment to principal. So once again our money has been sitting in a prepayment reserve. And now it 'll take 2 more days for the funds to be moved. Each time I call about this it is a different procedure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I was not told clearly what so every about my loans and how they needed to be re-payed. 

They also change my loan payment amount every year and do it without notice or warning. 
I have been lied to and mislead.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Colony Brands, Inc. (MO).
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 contacted XXXX XXXX regarding them reporting a account that is over XXXX XXXX XXXX on my credit report they could n't locate a account by my name or social security number or address. I disputed them reporting this account under my new bankruptcy in XXXX chapter XXXX. This debt should have been deleted a longtime before I filed bankruptcy but they added themselves as if this was a new or was due at the time of my bankruptcy. I asked then to remove it. I will not let this sit on my credit another XXXX plus years .They verified this account being reported correctly XXXX/XXXX/XXXX but when I called them they had no information.

Company response to consumer: Untimely response
Consumer complaint received 11-04-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Deposits and withdrawals

Complaint: Bank of America did it again. I checked my account at XXXX yesterday, saw that it was overdrawn by XXXX, I went to the ATM and made a deposit for XXXX to clear up the negative balance before processing so that I would not incur any overdraft fees, which I can not afford. I looked at my account this morning, and they posted a check OVERNIGHT, REORDERED the processing, as such the Check cleared ahead of all of the other debits which were processing previously, which again made my account negative and I incurred now XXXX overdraft fees instead of XXXX. If the check was processing earlier in the day why did it not show up on my account online. Instead I believed only the other debits were pending based on what showed up on my account online, otherwise I would have deposited enough to pay all the transactions. Instead the check mysteriously appears the next morning, and AHEAD of all of the other debits, when it is too late for me to make a deposit. This is clearly a strategy by Bank of America to collect more fees from working people. This is ridiculous, I am switching banks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I can not afford to continue making my full monthly payments to Navient. When I called the company to request a reduction in payments, they stayed my income was too low per month to qualify me for reduced payments. I explained that with my current income I can make payments every month, but not at the current high rate I am being charged. They then informed me forbearance was my only option. This is not something I want, as I want to continue paying on my loans however I can no longer afford paying XXXX dollars per month.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: originally owed a credit card debt to XXXX XXXX bank back in XX/XX/XXXX that apparently was closed in XX/XX/XXXX an sold to collections for the amount owed {$2500.00}. Was unable at that time to take care of it and thought it was unusually long for them to keep the debt opened for so long before closing it. Am trying to fix credit now but new collector ( midland funding ) is now charging almost double the original amount - {$4000.00}. please help it is the only debt holding me back from succeeding in any business and they are not willing to give any explanations for this old credit card debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 'm a victim of the breach and also been a victim of identity theft before the breach. I need these hard inquiries removed because I have no knowledge of these. I did n't inquiry for accounts with them. I would like for these to be removed from my reports. 
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 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 07/17/2015 about Debt collection (Medical) with PMAB,LLC (FL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I received a telephone call from PMAB , LLC of XXXX NC on XXXX/XXXX/15 notifying me of alleged medical debt. After verifying my address and phone number, I informed the representative that I would like proof of the debt and that I had no intention of paying the alleged debt until I was shown proof. He told me he would send proof. I subsequently received a " XXXX % Offer Letter '' dated XXXX/XXXX/15 ( which is not proof ), and missed phone calls from PMAB 's number XXXX on XXXX/XXXX/15 ( XXXX ), XXXX/XXXX/15 ( XXXX ), and XXXX/XXXX/15 ( XXXX ). At no time did the company leave a message or identify themselves via voicemail. On XXXX/XXXX/15 after receiving the final missed call from PMAB, I contacted PMAB to obtain their fax number for correspondence. I was given XXXX which I confirmed with the XXXX. I drafted a cease and desist letter and faxed it to PMAB on XXXX/XXXX/15 XXXX. Fax confirmed the transmission was successful. Subsequent to the faxing of my cease and desist letter, I received yet another phone call from PMAB XXXX days later on XXXX/XXXX/15 ( XXXX ). This time, a message was left. I promptly returned the call and spoke with a female representative who informed me she was calling regarding " medical debt. '' I informed her that PMAB was in violation of the Debt Collection Practices Act because I had previously faxed a cease and desist letter and yet received another call. She stuttered for a moment and stated " well that letter is n't in your file ... it must have gotten lost on the fax. '' I told her that I would be filing a compliant with the FTC to which she responded with " yeah, well, that 's fine ... whatever '' and then promptly disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I sent all requested identifiers to Experian. I waited some time and called special handling to verify their receipt and validation. All items were accepted at said point. I elected to place several items in dispute with Experian, including but not limited to Date of birth, Addresses, Name indifferences, and several unknown credit inquires, and collection accounts. I waited the time frame they are allowed by law they elected to remove some items from the credit report such as collections who did not respond in their time frame and that is really all. I asked about the collections that remained and was told they remained because they were validated by the source, I explained the source has agreed the debt is not valid and has asked it be removed via XXXX update ( XXXX DELETE ). They said the debt was valid and refused to delete. I explained that several of the credit inquires were agreed to be deleted as well I sent them correspondence from the source to them via certified mail that explained the same and they refused to remove said items. I asked what items in specific the creditors had verified when they had verified bad debt they said it was not their responsibility to disclose. When I call to inquire further with Experian, they elected at their sole desertion to have my call automatically transferred to an answering machine in special handling based on my input of social security number. I have left several messages and allowed some time to pass and never received any follow up calls. They have also elected to block access to online reports or disputes and ask me to send in identifiers they already agreed to receiving, even if I elected to pay for my own report. When I applied for a credit card and they used Experian, I was informed their was no Experian report found. I have a credit report that Experian sent me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit reporting () with Experian Information Solutions Inc. (KS).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed this account more than several times, then had to take it upon myself to contact the creditor and obtain the history which still is not correctly reporting on my credit. I do not know how these agencies go about receiving a dispute and complete a full investigation as nothing has been addressed or even verified. This agency still continues to report late payments on my mortgage in 2014 which is NOT accurate on my end and the creditor. Please see attached and help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Debt collection (Medical) with AMCOL Systems, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: on XX/XX/XXXX I went to the XXXX, acct # XXXX, for emergency services. I did not have insurance at the time so I filed for charity care. i was approved for charity care to cover XXXX % of the charges and XXXX % of any future visits for the next 12 months. on XX/XX/XXXX I went to XXXX, acct # XXXX, for emergency services. i received a bill for this visit and i forwarded the charity care determination which shows XXXX to be responsible for XXXX % of the charges. I never heard anything else about this. XX/XX/XXXX I noticed a new collection item on my credit from AMCOL, acct # XXXX. I immediately disputed this as being paid in full. XX/XX/XXXX, I received a phone call from representative on behalf of XXXX trying to collect this debt again. I advised about the charity care and forward them over all documentation. They advised me this would be closed out. I then forwarded this to AMCOL who told me they would investigate it. Lastly I reached out to XXXX Billing who also said they would investigate this and have the account pulled out of the collection agency. On XX/XX/XXXX, I called to follow up and ensure this was removed as this is negatively impacting my credit. I was told by XXXX Billing that I have to re-fax everything again and they can not tell me a time-frame of resolution. I expressed my concern because every month this continues, my credit is being damaged. I then reached out AMCOL and spoke with a rep named XXXX who told me that XXXX advised that this debt is still owed and that they will not accept my charity care letter because the account number XXXX is not listed on it. I advised to the rep that Charity care states they do not have to add the account number to the letter because under XXXX XXXX it states that XXXX is responsible for all payments for future visits 12 months after the original visit, which this visit falls in that category. As of today, there is no resolution and no urgency to correct this. I have been going around with both companies while my credit continues to get damaged. AMCOL also tried to state that XXXX was only responsible for XXXX % and i had to explain that the handwriting looks like that but you can see where is says patient responsible for XXXX % and that it is truly XXXX % which charity care can confirm to both AMCOL and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (NJ).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Bank is very slow in updating my bank information with an authorized third party service ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Inquiry # 1 : XXXX Inquiry from XX/XX/XXXX - I moved into a new apartment but I specifically told them not to do a hard inquiry on my account as I instead paid a deposit and gave automatic payment banking information which they said would be enough to avoid receiving an inquiry.

Inquiry # 2 XXXX Inquiry fromXX/XX/XXXX - I do not recognize this and I was not doing any kind of activities at the time to warrant a hard inquiry.

Inquiry # 3 XXXX Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it.

Inquiry # 4 XXXX Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it.

Inquiry # 5 XXXX  Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize 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 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX we purchased appliances from our local XXXX XXXX store for delivery on XX/XX/XXXX. I produced a XXXX card to pay for the appliances. The store manager offered 5 % off and 12 months same as cash if we applied for a XXXX account. We agreed and the manager tried to enter information to process this. He seemed to have technical difficulty and there was a line that day. The total of our purchase was {$4700.00}. We received the appliances on XX/XX/XXXX. We did not receive any bill or statement for approximately 45 days. I went to the store and asked the same manager why we had not received a statement. He gave me a toll free number to contact XXXX. I did so. They asked me for my account number. I told them I did not have an account number but gave them all the information from my receipt. They stated they could not find an account. I went back to the manager and told him the situation. He stated it could take several weeks for them to process a new account and since it was 12 months same as cash, as long as we paid the balance in full by XX/XX/XXXX we would be fine. We received no statements, bills or collection notices. We applied for a farm loan. We received a call from the bank that ran our credit history. He stated there was a " charge off '' from XXXX in the amount of {$5900.00} dated XX/XX/XXXX. This occurred on XX/XX/XXXX. I contacted XXXX to pay my account in full ( the original {$4700.00} ) but they said they no longer had our account. They sold our account to XXXX XXXX XXXX, a different company. I contacted them. They stated they would only accept full payment in the amount of {$5900.00}. They also stated they would not delete derogatory information on our credit reports even if we paid the accounts. This is not right. Please help us! Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equfax indicated that the public record investigation indicated the liens were released, but did not update the credit report. 

The liens were released in XXXX 2014

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-06-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: On XXXX/XXXX/XXXX, Fed Loan Servicing inaccurately reported, previously cleared, information causing XXXX XXXX 's credit score to drop approximately XXXX points. To make matters worse there is no record that the report from XX/XX/XXXX occurred and came to fruition only after he tried to make arrangements with Fed Loan Servicing for a forbearance. He was re-assured in a phone call to Fed Loan Servicing XX/XX/XXXX that no negative credit reporting was scheduled to occur, yet within 30 days of that phone call negative information posted to his account. Fed Loan servicing inaccurately reported negative credit information on XXXX/XXXX/XXXX. This has created financial difficulty for XXXX XXXX. He has been financial burdened from the mistake and the information on his credit report is not accurate. He has had difficulty from XXXX/XXXX/XXXX accessing credit, student loans, moving, car loans, and had to pay higher interest on debt as a result of inaccurate reporting. All previous negative credit reporting from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX had been removed from the credit report ( by XX/XX/XXXX ) but now is inaccurately shows as 120 - 149 days late in XX/XX/XXXX ( as if default occurred XX/XX/XXXX ). Fed Loan Servicing illegally reported inaccurate information by changing the date of the already vindicated delinquency from XX/XX/XXXX. This Fed Loan servicing report is against the law because they re-reported previous delinquency from XX/XX/XXXX XX/XX/XXXX ( which was removed XX/XX/XXXX ). This is against FCRA Section 623 ( a ) ( 1 ) ( A which states : " it 's illegal to report information that you know or believe is inaccurate ... '' XXXX XXXX was unable to access financial resources as a result negative credit reporting because Fed Loan re-aged ( inaccurately changed the date of the first delinquency and has no record of doing so ) which is duplicative reporting and is in violation of the CRA Appendix A to Furnisher Rule Part 660. This rule says that a reporting agency must follow policy and procedures to prevent re-aging ; which Fed Loan Servicing failed to do as evidence by their denial of appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Payday loan () with Home Loan Center, Inc. (FL).
Issue: Applied for loan/did not receive money

Complaint: I applied for a loan worth up to XXXX dollars and I was told I had to pay insurance on the loan by purchasing XXXX cards well everytime I purchased the cards I got declined I ended up spending XXXX dollars worth and never received my loan when I was only supposed to pay XXXX dollars worth of insurance the company name was bandwidth the telephone number they used was XXXX they said they were associated lending tree but I believe it was all a scam and now my bank account is in the negative because of these people

Company response to consumer: Closed with explanation