milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Re : Account # : WASHOECTY XXXX To Whom It May Concern, I disputed the referenced account above on XXXX/XXXX/16. The credit report of XXXX/XXXX/16 shows this item was deleted from my credit file. Now I notice this item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA, as sited below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. 
Sincerely, 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 05/30/2017 about Vehicle loan or lease (Loan) with Westlake Services, LLC (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: T o wh  om it may concern, Attached is a copy of an extension agreement that was signed and com pleted on  XX/XX/XXXX . I 'm not sure why my account this agreement has not been applied to my account, but I was told that I was eligible for an extension, and was given an extension twice.  <P/> I originally applied for the extension in  XX/XX/XXXX , but that extension was not applied to my account. When I called to make my monthly payment in  XX/XX/XXXX I was told that my car was about to repossessed for non-payment.  <P/> I asked and qualified for the extension, I also had to record my name saying that I understood that the procedure of the extension agreement, but still no extension was applied to my account. The account  manager  that I spoke with on XX/XX/XXXX assured me that my extension would be back dated and my account would be brought current.  <P/> It has been 3 months, and my account is not current, although in  XX/XX/XXXX I was sent an extension agreement in written via email, I signed and returned it immediately.  <P/> Also, there are over {$700.00} in additional charges on my account. In XX/XX/XXXX , my car was repossessed because I mailed in my payment, and somehow it was lost in the mail. I paid over {$1500.00} in charges to have my car returned to me.  <P/> About a week later the payments that were mailed, we 're applied to my account, and subsequently refunded to me. During XX/XX/XXXX my monthly payment was {$19.00}. I spoke with a manager, that could confirmed what was on.y account.  <P/> I 'm not sure what these charges are and why they exist, but I would like for my account to become currently and updated. I would like to receive written correspondence concerning this matter. I can be reached at  XXXX  XXXX  XXXX .  <P/> Sincerely,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit reporting () with EQUIFAX, INC. (NH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax , XXXX, and XXXX is fraudulently keeping a transaction on my credit report for an apartment complex when it knowningly has been reported as false.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: To knowingly or willingly employ any device, scheme, or artifice to defraud ; ( b ) To engage in any transaction, practice, or course of business which operates as a fraud upon any person in connection with the purchase or sale of any mortgage loan ; or loan modification ( c ) To obtain property by fraud, willful misrepresentation of a future act, or false promise. ( d ) In any matter within the jurisdiction of the office, to knowingly and willfully falsify, conceal, or cover up by a trick, scheme, or device a material fact, make any false or fraudulent statement or representation, or make or use any false writing or document, knowing the same to contain any false or fraudulent statement or entry. 
To violate s. 655.922 ( 2 ), subject to ss. 494.001-494.0077. 
Commission of fraud, misrepresentation, concealment, or dishonest dealing by trick, scheme, or device ; culpable negligence ; breach of trust in any business transaction in any state, nation, or territory ; or aiding, assisting, or conspiring with any other person engaged in any such misconduct and in furtherance thereof. 
XXXX XXXX from Suntrust engaging in constant concealment and misrepresentation of facts. 
Borrower was charged for items or " Advances whit the borrower already had long paid : This complaint is to address the XXXX/XXXX/2012 $ 107.29 % XXXX/XXXX/2012 alleged advances for which the borrower already paid again part of non existent and concocted modification : 1 ) Borrower was charged {$100.00} which XXXX XXXX from Suntrust is insisting it was not paid! The receipt & even the statement from Suntrust acknowledged the payment of {$100.00} ( see attached ) 2 ) Borrower was charged again for the {$210.00} which was already paid back. The amount was subtracted by Suntrust already in from the borrower escrow balance in XXXX 2012. 
-See statement for XXXX/XXXX/2012 Escrow balance as of XXXX XXXX {$2600.00} -See statement for XXXX/XXXX/2012 XXXX/XXXX/2012 the hazard insurance is paid XXXX - {$2800.00} = - {$210.00} Same statement the payment from XX/XX/XXXX adds money to escrow + {$600.00} See escrow balance now = {$390.00} If the advance of {$210.00} would not be subtracted the escrow would be {$600.00} This is just simple math! How can XXXX Bank/Mortgage investigator be so incompetent! 
This is another {$310.00} charged to borrower for payments that were already made!

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 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CONSUMER PORTFOLIO SERVICES, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have co ntacted Consumer Portfolio Services regarding an inquiry. My request was very specific but the company respon ded as if they could not understand. They also did not provide any authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Mortgage (FHA mortgage) with PLANET HOME LENDING, LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: my lender transferred my loan to Planet Home and they deducted a payment from an unauthorized account and upon our attempts to resolve a stop payment was put on the payments from the unauthorized account, and instead of drawing the funds from the authorized account we were reported as late.we never should have been late as they were authorized to work off the correct account.

Company response to consumer: Closed
Consumer complaint received 04/15/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Bank of America is engaging in fraudulent business practices by charging me excessive overdraft fees, then claiming my bank is overdrawn by over {$1000.00}. The only reason my account was overdrawn by over {$1000.00} is because Bank of America has been engaging in fraudulent business practices. In addition, Bank of America fraudulently reported my name to XXXX and XXXX even though Bank of America charged me excessive overdraft fees. Bank of America is engaging in illegal acts by charging excessive overdraft fees then reporting me to XXXX and XXXX after charging me those excessive overdraft fees in excess of {$1000.00}. Bank of America is engaging in fraudulent business practices and false advertising.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This account does not belong to me. Have made several attempts to have this removed. At the time of debt I was underage to have even entered into contract. I was told that I was XXXX and could give verbal consent for someone to open a account in my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/19/2015 about Bank account or service (Checking account) with BB&T CORPORATION (FL).
Issue: Problems caused by my funds being low

Complaint: I tried to dispute this case with BB & T and was treated very poorly in many nice words.I am attaching the letter I gave them. I overdrew my account XXXX yet I got charge XXXX times for a total of {$460.00} instead of {$72.00}. Why am I disputing this? Well according to their posting procedure which should have been posted in order I would not have had this issue. I first spoke to the senior personal banker and I know she do not really wanted to clear this.I am just speculating. I apologize if I am wrong. I also spoke to the manager seemed to understand but said to me that It would not be fair to treat me special ( XXXX/XXXX/2015 ) .I do n't care to be special just do n't rob me or anyone blindly. At least XXXX XXXX XXXX and XXXX do not deceive their customers in their disclosures. They state clearly that they can change posting orders which I am sending to you to see what they have on paper. 
BB & T representative at the branch said it is considered a hard posting. I do n't see how the computer system coincides with their policy. I am willing to take them to arbitration.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: All inquires on transunion report are fraudulent. Contacted some and was told to contact the credit agency. Transunion has not responded.

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 07-11-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (CA).
Issue: Trouble during payment process

Complaint: My first issue was the fact that my HELOC closed on X/XX/2017. The funds of {$59000.00} began to accrue interest daily as of that date. Those funds were used to pay off my car at another bank. The funds were n't received by the other bank until about XX/XX/XXXX. I feel cheated that Chase collected daily interest on my LOC for over a week, while I was also accruing interest on my other auto loan that was supposed to be paid off. It would have been faster if they gave me access to the LOC for me to pay down the old auto loan myself, but the loan rep at Chase told me it was required for them to pay the old loan off directly. This was not made clear to me and I feel like it is a way to cheat consumers on that additional interest accrual. My second issue is the bigger issue that made me file this complaint. After the first issue even happen, I decided to pay off my Chase HELOC in full. I did in fact do so according to the " current balance '' and " principal balance '' as posted on my online account. I was limited to $ XXXX per day until the balance was paid in full. After I paid the account in full, I saw that the HELOC was still accruing daily interest. This prompted me to call Chase to see what was going on with my account. A representative told me that my principal payments were not posted to my account and were sitting in limbo, which is why interest was still accruing on the original principal balance. Well, if my principal payments were never posted to my account, then the interest was calculated incorrectly and my payoff balance was also incorrect. When I checked my HELOC online the following day, I see that my principal balance is now magically {$0.00}. I do n't see how/why everything netted to {$0.00} if interest was not calculated properly to begin with. A representative assured me that my account would be corrected and she would follow up with me directly within the next few days. My concern is n't only for myself ( which my issue looks like it will get fixed, plus I will follow up ) but what about the others with a Chase HELOC? ... or any type of Chase loan? I 'm an XXXX so I made my own amortization schedule to follow. Not a lot of people do that on their own. Chase consumers are likely paying whatever balance they show as due on their account. My trust in Chase is damaged to see that my issue was only corrected because I called about it. What about the other consumers?? Is Chase making money off of incorrect amortization schedules???

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Bank account or service (Checking account) with M&T BANK CORPORATION (PA).
Issue: Account opening, closing, or management

Complaint: I opened an account with M & T Bank last month, seeing the promotion for a {$150.00} cash bonus which attracted me to the bank. Late last month, I made a direct deposit, qualifying me for the {$150.00} bonus, which was revoked on XX/XX/XXXX ( yesterday ). After numerous messages to the bank on their website, I have yet to receive a response. Now, later today they completely closed my account with no warning. I called them and was on the phone for an hour speaking to a supervisor whom was advised not to tell me information about MY account. An identity verification was done via fax as requested a couple days earlier. I 'm forced to step into a branch that is n't local to me, which is a huge inconvenience. For an institution that 's supposed to be trusted with holding my money then closing it with FUNDS LEFT IN THE ACCOUNT, I 'm baffled. I demand a reasonable explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (GA).
Issue: Settlement process and costs

Complaint: I had XXXX loans with Citi, a XXXX mortgage with Citi Mortgage and a XXXX ( HELOC ) with Citi Bank ; at the end of XX/XX/XXXX I had lost most of my income and business, my house was deeply underwater, and I applied for a re-structure of both loans, which were both assigned to the same loan counselor at Citi. At that time I was unaware that the HELOC described a farm property which I owned adjacent to my home, and not my home. Ultimately the loans were both re-structured, but the payments were not substantially reduced ; I could not make the payments and had to move -- I offered a deed in lieu of foreclosure, but Citi chose to foreclose the XXXX mortgage. In the process of re-structuring the loans, I had discovered the error in the HELOC description, and had requested a corrective security deed ; that request was referred to Citi 's " research '' department, which never responded. After many attempts to get the error resolved, in XX/XX/XXXX, I filed the attached Affidavit in Aid of Title ; in XX/XX/XXXX, I finally reached Citi 's foreclosure attorney and explained the problem ; he promised to " look into it and get back to me '' ; I followed up with the attached detailed written explanation, plats, the affidavit and copies of the XXXX mortgage instruments -- neither the attorney nor any of Citi 's representatives ever fixed the problem or got back to me. In XX/XX/XXXX Citi sued me on the full amount of the HELOC note ( and not the re-structured amount ) using the same law firm I had originally corresponded with. In my response to the suit and other filings I once again asserted that the lien was on the wrong property, but Citi has never corrected the error, I assume in an effort to gain advantage in their lawsuit. It is fundamental that a Home Equity loan can only be on a home, Citi knows that better than anyone, yet they continue to take advantage of an error that they are legally responsible to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I received notice from TransUnion yesterday by mail that there had been an unauthorized access to my credit file. When I called them, I learned that someone had requested my credit report on line and TransUnion released it to them. They only discovered it as a fraud when the credit card used to pay for the report was rejected by the card company. Ap- p- parently the report was released before payment was confirmed. Aside from offering to place a fraud alert on my account, TransUnion offers no other help in dealing with this problem. They would be willing to put a freeze on my credit report, if I will pay for it. My complaint is that they expose my information and then take no responsibility for the consequen- ces. I believe they should provide more support, at no cost to 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 06-11-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Starting XXXX XXXX : We " XXXX XXXX '' A XXXX XXXX XXXX under And on behaft of " XXXX XXXX a Dual Citizen of the United State of America : Are sending are Legal Complaints, And Disputing 'EACH of These " Case 's '' with the cfpb. Consumerfinance.gov. ( USA ) That every case be handled individually, and not be called or labled as the same, Each Complaint has diferent Attachments, and may call out another Case Number, it is not the Complints in wording : " Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ;

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: XXXX   XXXX   XXXX   Received e-mail notification from : FedLoan Servicing   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  regarding servicer message Account # :  XXXX , which stated : " As part of the Pay As You Earn  ( PAYE ) p lan, you are required to recertify annually, even if your income or family size has not changed. We needed this updated information to recalculate your monthly payment based on your income and family size.   Since we did not receive your complete annual documentation, your new payment amount is not based on your income and family size ; however, your loans will remain on the Pay As You Earn ( PAYE ) plan. Your new monthly payment of {$360.00} is first due on  XX/XX/XXXX .   If you want to have your payment amount recalculated based on your income and family size, apply online '' A message was in my inbox on   XXXX   XXXX   XXXX   but I had not received an e-mail notification, the message stated I would need to recertify by   XXXX   XXXX   XXXX   but the deadline had already passed ( before I had been e-mailed by the servicer ).   On   XXXX   XXXX   XXXX   I completed and submitted my recertification forms, and included my  XXXX  tax form copies, but I received a response it was incomplete and to please resubmit/ On   XXXX   XXXX   XXXX  , I resubmitted recertification forms, but included my most recent pay-stub from my employer.   I received notice from the servicer that my forms had been received and that I would receive a response within  10  business days.   Today is   XXXX   XXXX   and my checking account has been debited {$360.00}, which I can not afford ( I had been approved for a PAYE plan of $  XXXX  month  ). I have not yet received a response from my servicer regarding my latest recertification submission.   I have attempted for several days to postpone payments or stop the debits from my account ( through an option on the servicer 's website ), but I receive a message that I can not postpone the payment at this time, and that I can not delete my checking account from the servicer website without first putting another account from which debits can be made. I can not afford {$360.00}, and I will not be able to afford more than $  XXXX /month for the foreseeable future as my wages are not likely to increase, at my present job as an  XXXX  in a state college system -- and in fact -- I am lucky to have a job at all, since there are pending reductions in the state college system in Florida.     Please help -- I can not pay another month at this rate or I will go bankrupt.

Company response to consumer: Closed with non-monetary relief