milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I would like to complain against XXXX, Transunion, and XXXX. This company XXXX XXXX put a XXXX inquires on my credit report. XXXX for XXXX, and the other XXXX for XXXX. XX/XX/XXXX and XX/XX/XXXX. They are calming that I did not pay XXXX and I had a dog that died. I called the company and cancel service, and was told that they were sorry for my lost and all I needed to pay was my cost to get my dog cremated and that was what i did. I really want this removed from my credit report.

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 10-02-2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (DE).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: On XXXX/XXXX/XXXX, I attempted to open a Santander Simply Right checking account, after receiving a promotional offer in the mail for an additional {$200.00} once {$1000.00} is direct deposited within the first 90 days of opening. The promotional offer is XXXX. 

I submitted the application, got through the whole process, deposited an initial {$25.00} via my credit card, and then got to the authentication interview. The A/I questions from my credit report were all regarding my father, who has the same name as me. Two initial problems here : 1 ) You attempted to verify me using the wrong CB report, and 2 ) My father is XXXX. 

Then, the account was declined ( since I either failed the A/I, or a red flag went off from my father 's XXXX indicator ). 

I called into Santander at XXXX - I was told that I have to go into my local branch to figure it out. So, I called my local XXXX, DE branch at XXXX to figure out what I need to bring. They advised a copy of my driver 's license showing that I live at the address I input on my application and a 2nd form of ID. Problem number three comes into play here : 3 ) I recently sold my condo, which is the address on my driver 's license. I am temporarily living with my family in a small interim period while I am looking to buy a new house. The Santander reps told me to update my driver 's license - I advised I am not going to do that for the few months I am living with my family. 

So I asked what other documents I can bring in to prove my identity. I was told a lease agreement or a utility bill, but not a cell phone bill, or a copy of my pay stub. Problem number four comes into play here.
4 ) As previously stated, I am living with my family for a short period of time. There is no lease agreement. There are no utility bills in my name. And unfortunately my pay stub does not have my address. 

So then I asked what else I could show. I offered to bring in a copy of any one of my four credit reports ( XXXX XXXX XXXX XXXX ). I advised I could bring a copy of my birth certificate, which has my parent 's names, and a utility bill in my mother 's name. No go on that. 

I was then told I could just reapply, but no guarantees. Problem number 5 and 6 : 5 ) If I reapply, Santander will repull my bureau ( leading to an inquiry, not sure if it is hard or soft ).
6 ) If I reapply, I will lose the {$200.00} promotional offer.

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 02-03-2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My complaint surrounds the illegal execution of a foreclosure sale completed on XX/XX/2015.I have requested on multiple occasions for XXXX XXXX , XXXX. ( XXXX ) located at:XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX, to provide me with proof of service, as well as all copies and documented effects relating notice of foreclosure pending for XXXX XXXX, 2015. It is a fact, that I did not receive notice from XXXX, nor Nationstar Mortgage Servicing ( NSM ) my lender. At no point was information or dialogue ever reciprocated to me that that there was a pending foreclosure action scheduled for my property. 
New Jersey foreclosures are administered through the court system. RULE 4:64. Foreclosure of Mortgages, Condominium Association Liens and Tax Sale Certificates. We received no copies nor summons of the original foreclosure complaint action filed within XXXX XXXX XXXX XXXX. Therefore rendering our right to due process in effective in regards to unbeknownst Docket NO. XXXX civil action. XXXX, has failed to provide the following documents required to be filed prior to conducting foreclosure and have violated fair foreclosure act n.j.s.a. 2a 50-53 : I have requested case numbers pertaining to these foreclosure filings and XXXX has refused my requests in their entirety and my following requests are still being ignored : - Notice of Election and Demand. 
- Original Evidence of Debt, or a copy of the Note and Certificate of the Owner and Holder of the Evidence of Debt, or a Corporate Surety Bond in the amount of one and one-half times the face amount of the original Evidence of Debt. 
- Original Deed of Trust or certified copy, or copy with certification letter - List of names and addresses of parties to receive notice. 

We implore your office to investigate this matter immediately, as BMP which is considered a foreclosure mill purchased in addition to failed to, provide Notice of sale must be mailed to homeowner ( and all parties who appeared in the action ) at least ten days before sale, as well as posted on the property and in the sheriff 's office, and published in XXXX newspapers for four weeks. We are forwarding to additional bank regulatory agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FIDELITY CAPITAL HOLDINGS, INC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX sent my name to collections with Fidelity Information, but I do not owe her money. I was not a party to the lease and do not owe her. She has said on numerous occasions that she is aware, but wants to be paid anyway. I 'm in the middle of buying a home and this has put a halt to my purchase. I want her criminally prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (CA).
Issue: Trouble during payment process

Complaint: On 06/2016 PNC MORTGAGE informed us that they purchased our loan from   XXXX   XXXX   XXXX   They sent a letter stating the will be receiving our payments and nothing else about the loan will change. During this transfer our ins was due and we assumed the escrow in our accountwould handle this. However, the ins notified the mortgage co for remittance of payment. They, informed us that there was no response. We assumed that the ins was being paid from our escrow like always. It was n't paid and PNC did not inform us of this until this  XXXX . THey want to charge us {$1900.00} for ins for that time period. I do n't mind paying some ins. But 3 times the amount is horrible. THey purchased the loan. We had nothing to do with that. I feel they should have informed us that the ins expired and they should have paid it from the escrow. IAm   XXXX   years old and can'tafford this. I agree to pay something, but not thus amount. THankyou for your help in this matter   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Account #   XXXX   I have been a Navy Federal Member since joining the Military in  XXXX . While in the military I was approved for a {$4000.00} line of credit with your company, I strongly believe the employees at Navy Federal saw me as fresh meat and prowled on my ignorance when it came to credit at that time. While having the account there were times where my bank card would be shut down due to non-payment, I had no issues making my payments while enlisted so I am not sure why that happened. When I would call customer service they would state that my bank card and account was locked until I made a payment. Mobile banking was also not an option for me when this would happen. I would go to the store and try to make a purchase and my card would come back declined, totally embarrassing. I transitioned out of the military and I did not gain steady employment until XX/XX/XXXX  and my first paycheck was completely drafted from my account by navy federal, my plan was to begin payments as soon as I got paid but not my entire paycheck, I was mortified that this happened to Me. This account has been a nightmare since I opened the account. I did n't realize this was an institution that tricked their consumers in to credit accounts with first giving them knowledge. The young lady who opened the account pressured me to open this account because she fed off of the fact that I did n't have any credit and did n't know anything about it. I was also a victim of the lawsuit against navy federal practicing unlawful tactics to scare their consumers.
Respectfully,   XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/14/2016 about Consumer Loan (Vehicle loan) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Managing the loan or lease

Complaint: While reviewing my credit report, I noticed an unauthorized and fraudulent inquiries initiated by CITIZENS ONE AUTO FINANCE on XXXX XXXX. I did not authorize employees of CITIZEN ONE AUTO FINANCE to review my credit report at any time. I have requested that CITIZEN ONE provide me with any signed documents to validate this inquiry within 5 business days and they have failed to do so. The inquiries into my credit profile without my clear written authorization is in violation of my FRCA and Privacy Rights. I am requesting that CITIZEN ONE AUTO FINAANCE contact ALL credit Reporting agencies to permanently dele these adverse information as they directly have resulted in my inability to obtain new credit or employment and Housing.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Vehicle loan or lease (Loan) with Larry H. Miller Group of Companies (AZ).
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint: I was contacted by XXXX at Larry H Miller XXXX in XXXX AZ on XXXX/XXXX/XXXX stating that they may be able to get me into a new vehicle or better financing on my vehicle. I set an appointment for the weekend and selected a XXXX XXXX. I had negative equity in my XXXX XXXX. I was presented with terms for the new XXXX and was not comfortable with the payment. Upon a 2nd review by their financing department, the all of the sudden realized I still had equity in the warranty they sold me on the vehicle I was trading in. They were able to use this equity along with increasing how much they would give me for a trade to get me to a payment I agreed with. I was told by the salesman, XXXX, this would be my financing. It was explained to me that the way XXXX does their financing is they take your score and put it into brackets, whatever that bracket you fall into is what your rate and financing is. I signed financial documents including a truth in lending statement, power of attorney for the vehicle I was trading in and documents with my rate, terms, finance company name, payment and payment due date. These documents also include a breakdown of all fees, payoff of previous vehicle and services being financed. I signed these documents with XXXX and asked so if you guys cant do better, this is it and were done? No one is going to call and need more money? He assured me this was it but he didnt handle my type of loans so another person whos really good with old bankruptcies will see if he can do better. If they were able to get better financing I was going to go back XXXX  morning and resign new documents with the new financing. I did not hear back from XXXX, XXXX. I left a message with the receptionist, XXXX on XXXX afternoon and did not hear back. I called XXXX and reached, XXXX in the financing department. Expecting to hear they were unable to do better then XXXX XXXX, XXXX instead told me that I need either a co-signer or {$4500.00}. XXXX apologized and said its only about 1 out of 100 customers this happens too. That sounds like a lot of people they have been doing this to when you consider theyre one of the largest dealerships in the state. I provided a co-signer. I received a call today, XXXX  XXXX/XXXX/XXXX saying the co-signer is not enough and I would need the {$4500.00}. I am not being told I need to return the vehicle and take mine back. I was also told I will not be charged anything for the vehicle I have to return. I have not been told what happens to the {$500.00} doc fee I had to leave with them for electronic withdrawal. I am also contacting the FTC and our local media.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I ordered flowers and other gifts to be delivered on a certain date by a certain time. The merchant failed to deliver the flowers and XXXX of the other XXXX gifts on time despite verbal assurance that it would. The merchant refused my request for a refund even after it admitted that it failed to provide per our agreement. 

I disputed the charge with Citibank, the issuer of my credit card. Citibank denied the dispute without ever doing an actual investigation, i.e., Citibank did not even contact the merchant. I learned from the Citi XXXX XXXX that if the disputed amount is over a non-specified dollar amount, Citi denies the dispute, despite the merits of the claim. Citibank has engaged in this illegal and bad-faith practice -- failure to comply with the Fair Credit Billing Act ( FCBA ), conduct a good faith dispute investigation, and deny consumers their right to dispute billing errors -- several times now for unjustifiable reasons.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Debt collection (I do not know) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Over past few weeks have been receiving phone calls that caller ID identifies as Fifth / Third bank. the # is XXXX. When I pick up and answer there is silence on the other end of the line ( I can not tell if its a human or a robot. After a few moments the phone will disconnect. Yesterday I call 5/3 @ XXXX to verify if the phone # calling me was a 5/3 # ... after being put on hold the representative came back on the line & stated that YES ... THIS # IS FROM THEIR COLLECTIONS DEPARTMENT, ( SHE ADMITTED THAT 5/3 WAS MAKING THESE CALLS ) plus I have had other similar calls from other # 's .... 
15 USC 1692F ss 806 ( 5 ) Seems clear regarding this type of call. 
THESE ARE HARRASSING PHONE CALLS. 
IT 'S INCONCEIVABLE TO ME THAT A BANK WOULD ACT IN SUCH A DISPICABLE MANNER, I do n't even believe it is me that they 'd be trying to contact ... PLEASE HELP WITH THIS ISSUE Thank You.

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. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

Equifax is simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MRS BPO, LLC (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: New collections on report. The accounts were previously listed as closed and no missed payments. Do n't understand how they now can be listed as a collection. I paid a law office to handle my creditcard and private student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I just woke up today to a closed Bank Of America account without no reason or explanation. I would really like to know what happened this account history was excellent, never got any overdraft, never got any payment back, and neither I was involved on any illegal activities so this mades no sense for me

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 08/22/2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (TX).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: On XXXX XXXX, XXXX I needed another copy of my Social Security Card. I am attaching a file I wrote previously. I am so angry I do n't believe I can type it all again. When I realized they wanted my drivers license, insurance card, etc actually mailed in AFTER I HAD PAID THEM ... no way was I sending them off to someone. I called and CANCELED MY ORDER. XXXX with XXXX said I could only get half back! That is why I called Netspend to cancel my card and file a dispute as they already had my money! The Netspend Customer Rep REFUSED to cancel but said he would file a dispute ( that he DID NOT FILE! ) but he said he " WANTED TO PUT MY MONEY BACK TO SEE IF THEY WOULD TAKE IT AGAIN!! '' I told him I wanted my card CANCELLED!!! He still refused! I am trying to live on {$730.00} a month which is impossible!!!! He did not follow company guidelines for such things. Each time they sent me an email and said if I wanted my documents in reference to this issue to message them back. I get another email repeating the same thing. Today I got a letter which I will also attach! I am now unable to access my account! The past three times I have tried to log-in, my password does n't work. I reset the password and get into my account and I am literally KNOCKED OUT of it!! Try again and my password does n't work again!!! This is more than ridiculous!!! I 'm madder than anyone can imagine!!! My SSN was stolen originally by my ex-husband. I made a huge, stupid mistake because I have a difficult time going anywhere and no, I am totally alone and do NOT have anyone to help me. More criminals have my SOCIAL SECURITY NUMBER AND OTHER INFORMATION, THE ENTIRE {$37.00}, OF WHICH THEY NEVER REFUNDED HALF OF AS THEY CLAIMED, NOR DID I EVER RECEIVE ANYTHING! As for the one email I was able to take pictures of, Netspend claims their rep verified the purchase with the company??? If it was n't a scam then, where in the XXXX is at least 1/2 of my money? Or, where is my SS Card? Why am I bring locked out and knocked out of my account since I sent them my reply to their email? I do n't have enough time to transfer my Direct Deposit to another card! The way they are behaving suddenly, and it is NOT a coincidence, no way in XXXX, I 'm afraid they will keep my Direct Deposit. I have never seen anything like this before but nothing surprises me anymore either.

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 12-04-2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (MI).
Issue: Trouble during payment process

Complaint: I had a mortgage at Citimortgage. The second to the last payment ( XXXX ) I paid {$250.00} extra towards the principle. The escrow account had enough in it to pay off the balance. I have a confirmation number for this transaction ( done over the phone ). This was not done, but my mortgage was sold to another lender, XXXX XXXX, ( XXXX ), and now it will cost me about {$50.00} more dollars to pay it off. I have called twice to Citimortgage, and been told that there is nothing they can do about it now, the loan is with the new lender. I called XXXX XXXX, and requested a payoff, and it 's been over a week, and have received nothing.

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 05/19/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan modification,collection,foreclosure

Complaint: We had our mortgage modified in XX/XX/XXXX. But due to an XXXX we missed our XXXX payment and received notice from our mortgage company we needed to send in XXXX payments by a specific due date. When we saw a problem we contacted via phone and email our dedicated loan specialist and informed her of this problem. When we tried to send the payment in XX/XX/XXXX it could not be sent XXXX XXXX which is the way we always made most of our payments online. We called the mortgage company due to this was the message we received, and where told by a customer service person they would only take just over four thousand dollars. We explained to them that we where awaiting tax return and they mainly told us we had to have this in asap. We received an collection agency letter and contacted them about our situation by fax but they never responded. We continued to reach out to our mortgage company but as of today XX/XX/XXXX they have only sent us notice as to how much we owe. We where seeking a forbearance mainly due to the medical situation, but they have not attempted to assist us in anyway. Our past due just gets higher and higher and they are aware of this and still just seem to not care.

Company response to consumer: Closed with explanation