milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hi, My name is XXXX XXXX. I recently logged online to check my credit report and found that there numerous hard pull on my credit without my authorization. I believe this is a case of identity theft. According to the report from Transunion here are the detail of the hard pull inquiries which were not authorized : 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 explanation
Consumer complaint received 10/27/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Problems caused by my funds being low

Complaint: checking account was over-drafted. I had, according to Chase until XXXX to cover the overdraft and avoid fees. An account transfer was done at XXXX and reflected in the account as covering the overdraft. Checked with the phone app and website and both showed the overdraft covered with a positive balance. Last time checked was midnight and it still showed a positive balance. Next day XXXX overdraft fees were charged to the account. Branch officer said that was because transfer was not done before XXXX but account showed positive balance before the charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2017 about Debt collection (Medical) with Midwest Recovery Systems (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a response from the collection agency that they have ceased making contact with me but I just received another call. These egregious collection efforts for invalidated/paid debt need to stop. Otherwise I will seek punitive damages!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Debt collection (I do not know) with Terrill Outsourcing Group (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This morning I got a call from a company by the name of Superlative RM. The person refused to give his last name but his first name was XXXX. They have the CFPB logo on their website so I assume you are somehow endorsers of theirs. Anyway, I calmly explained to this person I did not owe any debt to the company. The rep laughed at me and said they were going to report the debt to the credit bureaus and said that I had to dispute the debt in writing. I demanded that they validate the debt as is my right under Federal Law but they refused to do so. I never signed any contract with this company and have never heard from them. They also called me from a ( XXXX ) ( XXXX XXXX ) phone number but I found out they are based out of California and are operating under XXXX different company names. He also had my personal information such as my social and I told him he did not have my permission to have or use this info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Managing the loan or lease

Complaint: I had an auto loan as a co borrower with Santander Consumer USA for a XXXX XXXX Infinity M37x I had made about 1 year worth of payments as I was driving this car from XX/XX/XXXX-XX/XX/XXXX. XX/XX/XXXX I informed Santader that I no longer wished to own this veichle and that I would like to surender the car. Santander informed me that I was unable to surrender the vehicle because at the time I was up to date on my payments and that I had to be at least 90 days " past due '' before they would reposses the vehicle. I explained to Santander that I did not want the late payment information on my credit nor did I want to continue to insure the vehicle for this period. Santander informed me that they would not accept my surrender. I then had the vehicle towed to XXXX XXXX located at XXXX XXXX XXXX in XXXX XXXX, XXXX ( XXXX ) XXXX and informed Santander of the location of the vehicle and that they would need to retrieve it from there. 

Under XXXX law a transfer of a vehicle title may only occur if the primary lien on the title is satisfied. Santander supplied a lien release letter to whom ever sold this vehicle my attached documentation shows that this title has been tranfered to XXXX XXXX leasing and finance in XXXX, XXXX. Santander continues to report my balance with interest and penalties as if this sale never took place to all three credit bureaus. Santander takes no collection activity on this account. Subsequent to the sale of this vehicle as well as currently, I have contacted Santader to try and resolve this if any additional money is owed but they refuse saying they never sold the vehicle which is false. Santander is committing fraud by reporting innacurate information on my credit reports. Further more they are trying to receive money from me in the amount of approximately {$29000.00}. Santander should have sold this vehicle for approximately {$27000.00}. Santader has charged me unfair interest and penalties which would account for the other {$2000.00}. 

As a resolution I want this item deleted from all three of my credit reports. I also want the erroneous interest and fees returned to me. I would also like action to be taken by the government to ensure that these unfair practices do not continue. Santander has done everything in their power to punish me for not wanting a car. The car was in excellent condition and a much simpler resolution could have occurred. They are unprofessional and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (TX).
Issue: Application, originator, mortgage broker

Complaint: My home loan has been transferred from XXXX, then XXXX, SLS secure loan services, all three of them told me I would qualify for a modification yet to the date SLS gives me the run around sends me all the information and never return a call to see if I qualify then I call and they say yes we got your paper work but the time limit had expired, I 'm like what?? Then they go also, u forgot to fill in certain sections, so it 's expired I have to send you another package I have had XXXX packages and according to them they are wrong now I 'm facing foreclosure and there I 'm loosing my home and no modification, I think this company is just a answering service cause they just do the same thing over and over and I 'm sure there is other people who are going through the same thing, this company needs to be looked at, there is something very wrong here

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/2018, I reviewed all 3 credit reports and noticed that the late fees for XXXX XXXX ( XXXX and XXXX XXXX XXXX XXXX ) and XXXX XXXX Auto Finance are still not reporting accurately. I've previously mailed letters, sent emails, and have made calls only to be advised that they are unable to update payment history and that I will need to contact the credit bureaus. The credit bureaus directs me back to the creditors. I am in the process of closing on my new home and the payment history/late fees are reflecting poorly.

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 07/25/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (KY).
Issue: Closing on a mortgage

Complaint: I am attempting to FHA streamline refinance with Nationstar Mortgage NMLS # XXXX. They have changed the terms of the mortgage 4 times and fees etc stringing me along telling me it 's been approved or is pending final approval or must be finally re-approved. It does not seem like they are acting properly. Here is a recent email exchange, I sent a message saying " I have signed your third change of terms for the loan. If you try this a fourth time I will not be happy. ". They replied with a message saying " we had to make an adjustment to the rate, we had to lower the rate from 4.75 to 4.50 %, this is the adjustment that we have to do again today, because the 4.75 % rate does not benefit you. ". Yesterday they told me the 5 % rate does not benefit me so they had to lower it to 4.75 %. All I wanted to do mainly was remove my in-laws as co-signers and close the loan. Will this ever end?

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. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: As of ThursdayXX/XX/XXXXXX/XX/XXXX 2017 over 140 million individuals have been subject to a breach with credit reporting agency Equifax. I am a potential victim and I would like to file a complaint against them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (NJ).
Issue: Trouble during payment process

Complaint: I closed on the house onXX/XX/XXXX. My mortgage bank is responsible for my township taxes and it is paid out of the escrow. There was a shortfall for the property taxes they paid for XXXX on XX/XX/XXXX payment. I contacted the bank in XXXX regarding this matter they assured to me that they received the notice and they will pay it by XX/XX/XXXX. Yesterday I received a delinquent notice from the township as the mortgage bank has not paid the property taxes fully and now with the interest and penalty the amount is over 176.00 dollars. I contacted the bank yesterday but they were not cooperating. They said they have to research why it was not paid. I am a new home owner and i do n't want to have a bad relationship with the township. I pay my bills on time to me this type of nonpayment is unacceptable. I am afraid that the bank might not pay future property taxes on time.

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 09/26/2016 about Bank account or service (Checking account) with PNC Bank N.A. (CT).
Issue: Deposits and withdrawals

Complaint: PNC Bank is continually causing issues with my bank accounts. I had to close an account because they kept switching transactions around to cause my account to become overdrawn. I was told to watch my accounts closely so that I am not the XXXX causing overdrafts. Recently, before leaving home, my accounts ( Reserve and Spend ) XXXX had positive funds. I went out for the evening, realized that I needed to transfer funds from XXXX to spend to cover my activities of the evening. I made the transfer and again checked both accounts. XXXX accounts had a positive balance. When I woke up, XXXX accounts were overdrawn!!! This was confusing and angered me. Because of the bank messing up my account, I had a small check come through that they returned for NSF and then charged me an OD fee. It has been a down hill battle since Thursday XXXX XXXX. I have sent them XXXX complaints and all I am being told is they are looking into it. NOW they have XXXX of my accounts in the negative and when looking at the transactions, they have them completely in an order that will only benefit them to keep returning things and charging me OD fees. With online banking, they constantly change the order transactions occur so from hour to hour or day to day, the account never looks the same. They tell us to keep track and watch our accounts but that does n't help when THEY manipulate your account to benefit them!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit card () with CITIBANK, N.A. (MD).
Issue: Other

Complaint: I noticed on my credit report that the bureau XXXX is reporting that Ive been late towards my Macy 's credit card numerous times. XX/XX/XXXX, I spoke to a representative in the Macy 's credit department to correct the information stated and it was confirmed to me that there has only been XXXX late payment back in XX/XX/XXXX. I am disputing that my credit report should update the proper information regarding late payments made so the courtesy to increase my credit scores can be provided

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Mortgage (Other mortgage) with FIRST AMERICAN FINANCIAL CORPORATION (NV).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2013 I purchased property located at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, herein referred to as " Property ''. I provided lawful funds to pay for purchase, recorded deed and payed Transfer Taxes to the county. Approximately 2 weeks after recordation of ownership, I received a letter sent to the " Property '' addressed to my husband " XXXX XXXX XXXX '' the recorded owner. Within the letter was a " Notice of Default '' claiming the previous homeowners had defaulted on the mortgage previously held on the " Property ''. The notice stated the holders of Mortgage Debt was " XXXX XXXX and XXXX XXXX ''. The Trustee was listed as First American XXXX, herein referred to as " FATSS ''. I contacted the number listed on the notice and was asked to proved proof of ownership by scanning a copy of my deed and emailing it to them. I did and received an email back from a woman claiming to be a manager named " XXXX XXXX '' herein referred to as " XXXX ''. XXXX explain how she felt I purchased my home " subject to '' the mortgage held on the property. She further claimed I could pay them. After months of back and forth, and obtaining a restraining order barring the sale of the property, FATSS sold the property at auction to " XXXX '' who they purported was the lender. Within the documents provided as authority to sell, there is fraud by deceit ; robo-signers signing as employees of a company they are neither employeed at nor paid. Any mortgage seeking to record XXXX XXXX as either Benificiary or Nominee will have fraud by deceit, forgery and robosigning by virtue of design. XXXX XXXX has no employees to assign or sign for assignments. Any assignment claiming to be XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX or MERS ( XXXX ) is fraudulent on its own. Any Servicer, Trustee, Benificiary, Lender or Mortgagee seeking to use a document signed by an employee of either XXXX is acting in connection with fraud and Criminal Organization. 

I have attached XXXX slideshows. I can print them for better viewing and mail them if necessary. 
How XXXX XXXX is a XXXX and will always contain fraud XXXXForeclosure documents with pointers showing fraudXXXX 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I was contacted X/XX/17 by a company with multiple names listed XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX that stated they could help me with my student loans and and that the company was created on behalf of the Dept of education. I felt very pressured over the phone but this company had all of my information so I assumed it was a legitimate company. Now I am concerned that I may have given more of my information to a fraudulent company. My XXXX with my social security number as well as signing agreements. They told me what Navient my student loan servicer is telling me is false information. They also told me that they could help me decrease my student loan payment and that any payments I 've made so far with Navient wo n't count towards my student loan payment and I would need to start over. The person I spoke with was XXXX XXXX XXXX. This company also charged {$1300.00} to complete my application with the dept. of education for public service loan forgiveness that would be deducted from my bank account by a third party. I do not want this company making changes to my account on my behalf. Unfortunately, I signed some papers and now I am doing everything I can to prevent this from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problems caused by my funds being low

Complaint: In all the attention given to Pay Day lending as a predatory industry that exploits the poor, the CFPB and media have ignored a common " lending '' practice with major banks. 

While Frank-Dodd limited overdraft fees on debit card purchases, banks often still allow customers to overdraw their accounts intentionally at the ATM. This is often for a very short term, and when the fees are translated into an effective APR, the rate is astronomical. For example, an retired person who receives Social Security as their sole source of income is expecting their direct deposit in one week. They have {$10.00} in their account, but they need to buy groceries or medication. They decide to take {$80.00} from the ATM, which immediately triggers a {$35.00} fee. Their account stands at - {$100.00} after the overdraft and fee. Then ( for example, at Bank of America ) they incur an " extended overdraft '' fee of {$35.00} for not making their account positive after four business days, bringing their balance to - {$140.00}. This being deducted from a fixed direct deposit makes a repeat of a similar overdraft the next month all the more likely. 

The customer has in effect borrowed {$70.00} from the bank for one week at the cost of an additional {$70.00}. This is 100 % interest over one week or the annual equivalent of 5200 %. This is plainly usurious and should be illegal. Banks are still collecting XXXX in overdraft fees from those who are most vulnerable and least able to afford them.

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 03/30/2016 about Debt collection (I do not know) with PAYPAL HOLDINGS INC. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep receiving repeated calls from the number XXXX. I answered the phone once when they called and nobody spoke. I looked on the internet and it says they are a collection agency. They call my number twice a day everyday and have continued calling me for the past two months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-07-2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX, 2017 Account Reference # : XXXX To whom It may concern, I request validation of thisdebt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. 
Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files.
I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do notcontact my family, acquaintances, or employer in any manner.
Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter.
Please also note Texas BCC17.
I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Money transfers (Domestic (US) money transfer) with WELLS FARGO & COMPANY (VA).
Issue: Fraud or scam

Complaint: I was the victim of a wire transfer scam involving a business 's Wells Fargo Bank account. It was demanded of me that I wire, no other method was provided, {$67000.00} to the following Wells Fargo Bank Account on XXXX XXXX, 2016 : XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. The Bank Wiring Instructions were as follows : Bank Information : Wells Fargo - XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Name on Account : XXXX, LLC Account Number : XXXX Routing Number : XXXX. This was a 'scam ' and a fraudulent wire transfer and there are numerous complaints against this business for these wire transfer 'scams '. Wells Fargo has a fiduciary duty to prevent and address such abuses by their business clients upon consumers. In addition, I am learning that transfers of these magnitude trigger many Financial Institution and IRS investigations. Per FTC Reference # XXXX, I was instructed to contact my own Bank to try to have this Wire transfer reversed and the Wells Fargo business client refused. My Bank has now opened a Financial Crimes Investigation.

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