milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/27/2016 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (IL).
Issue: Managing the loan or lease

Complaint: Chrysler Financial placed a repossession on my credit report when in fact it was a dealership error. On XXXX/XXXX/XXXX I leased a XXXX Chrysler 300 ( Acct # XXXX ) from XXXX XXXX dealership in XXXX, XXXX. Upon the lease end date ( XXXX/XXXX/XXXX ) I spoke with the lease end department and was informed that since I made my first and last lease payment when I picked up the vehicle, I could just take it to any dealership at the turn end and owe nothing. On XXXX/XXXX/XXXX I dropped the vehicle off at XXXX ( see attached Chrysler Financial Inspection Report attached ) and returned home. On XXXX/XXXX/XXXX I received a call from a woman name XXXX that was in XXXX. XXXX stated she was from a repo company and was looking for the vehicle. I informed XXXX that I turned the vehicle in back in XX/XX/XXXX. XXXX stated it was not unusual for this to happen and she would call the dealership and give me a call back. XXXX immediately called me back and informed me that she had located the vehicle at XXXX 's and it had been sitting there for 5 months. Since then year after year, dispute after dispute, I have been unsuccessful in getting Chrysler ( Now doing business as TD Auto Finance ) to remove a charge-off/repossession from my credit. I have disputed this with as XXXX credit reporting agencies ( XXXX, XXXX, XXXX ) with included documents of proof, and each company refuses to remove the negative item from my report. I returned the vehicle, a few weeks late, but the it is not my fought that XXXX 's let the vehicle sit on that lot for 5 months and failed to notify Chrysler. Now I have suffered for that mistake and error. On top of that the reporting entries on my credit report are in error, misleading, and in consisted. For these reasons and others, I have ask the reporting agencies to remove the items and they refuse. I am requesting that Chrysler dba T.D. Auto Finance immediately remove any entry they made from my report. Also I request they be held responsible for sending notification of their error to each and every company that I have obtained or attempted to obtain credit from over the last 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Mortgage (Conventional home mortgage) with BB&T CORPORATION (VA).
Issue: Trouble during payment process

Complaint: We have a mortgage with BB & T on a property in Virginia. In planning the estate we wanted to transfer the deed to the property to our daughter while retaining life estate. In our initial phone calls to the bank, the local branch manager stated that changes to the deed would not affect their current mortgage. After speaking with our attorney, we asked BB & T what language would need to be in the transfer deed to acknowledge the existing deed of trust. After this meeting BB & T stated they would not accept a life estate deed as this would trigger the due on sale clause. BB & T stated that their policy was only deed transfers to Revocable Living Trusts or straight deed transfers were allowable under the Garn St Germain Act of 1982. After reading this act, the law states " a lender may not exercise its option pursuant to a due-on-sale clause upon ... ... a transfer to a relative resulting from the death of a borrower ( or ) .... a transfer where the spouse or children of the borrower become an owner of the property ''. It is our opinion that if this is in fact BB & T 's policy that life estate deeds trigger the due on sale clause, then this does not comply with the intent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: After checking my credit reports I saw that my credit scores had dropped and saw that I had XXXX collection accounts ( from XXXX and XXXX, PA ) that were added. I had never heard from this company before, never got anything mail or phone calls from this company before it was placed on my credit reports. So I sent them a request to validate the alleged accounts ( on XXXX/XXXX/2015 by fax to XXXX ) but never heard back from them within the 30 days required by the LAW. So on XXXX XXXX, 2015 I sent them another requesting that they delete the accounts from my credit reports since they did n't respond within the 30 days as the law required. As of today they continue to report these accounts on my credit reports. I 've contact the original creditor who is listed on my credit reports and they did n't have any information about the XXXX alleged accounts. They continue to report these alleged accounts to the CRA 's in violation of the FCRA, FCBA because I was never sent any notices before they reported these alleged accounts on my Credit Reports. These accounts have been deleted from my credit reports and keep getting sold to other companies after its removed from my credit reports. The alleged account is in violation of Pursuant XXXX. FOUR-YEAR LIMITATIONS PERIOD. These accounts were deleted and continue to be resold and placed back on my credit reports ( the companies that had the accounts that were deleted, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ). I sent the collection company a letter to validate the alleged debt and never heard back from them but continue to report that it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I received a credit card from XXXX. I was XXXX in the space of five years and could not pay what I owed them. Anyway the debt of {$9100.00} went to CACV of Colorado - a collection agency. In the meantime, XXXX XXXX XXXX bought out the original company. A judgment was issued in XXXX against me for this debt by CACV. My medical bills totaled around XXXX dollars so I had no choice but to file bankruptcy. It went through in XXXX of XXXX. My husband died in XXXX XXXX and as a result, I may have to refinance the house. To my utter shock, the judgment was listed against the house which was financed in my husband 's name alone. And the total is some {$320000.00}! I believed the debt to be discharged by the bankruptcy especially since both the original creditor XXXX XXXX XXXX XXXX XXXX and CACV were listed on it. I never heard anything else from XXXX XXXX XXXX but CACV insists that I owe this money - an exorbitant amount considering that the original was far less. I never received any notice whatsoever about any of this - only for the original amount in a letter in XXXX. I never heard from them again.

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 09/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Aargon Agency, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company was sent a letter certified mail to verify debt. They responded with a letter that had a copy of a contract with my name typed on it. Anyone can go on a computer and type my name a contract. I want valid proof that I incurred this debt like transaction records. Something that I did like a copy of a credit card transaction with my name on it. Otherwise I do n't see this debt as being valid.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again. 

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FACTUAL DATA CORP. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have an unauthorized inquiry from Factual Data which occurred on XXXX XXXX,2017. This inquiry appears on all three credit bureaus. I did not authorize anyone to access my credit report on this date.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Bank account or service (Cashing a check without an account) with PNC Bank N.A. (GA).
Issue: Deposits and withdrawals

Complaint: Today I went into the XXXX PNC Bank location on XXXX XXXX XXXX. to cash a check that was written to me from XXXX for overpayment in the amount of {$47.00}. I asked the teller if I could cash the check. He continuously asked what kind of a business was XXXX. I explained that it was my insurance company and that they are an insurance company for military personnel. He had my military ID card and my state issued drivers license. Yet he was determined to prove that the check was not valid. When he finally discovered that the check was good, he said he would have to charge me a {$10.00} fee to cash the check even though the check said PNC Bank. He told me it was because it was a company check. I felt like he was discriminating against me. After service like this I would never open an account with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/2005 I was put on a transplant list. I had just retired and I only had XXXX After the XXXX claim my premiums trip tripled and benefits were cut by XX/XX/XXXX. With all of the medical expenses, I was forced to refinance and an online broker filled out the paperwork so I would qualify for their XXXX XXXX. I was desperate and sick. I was being charged up to XX/XX/XXXX XXXX % on a house that was under water! The loan was bot and sold many times to different ( Loan Servicing Companies " Debt Collectors '' ) I finally was able to receive a Loan Mod. 
From XXXX ( Really Crooked ) that took about a year and a half! It was affordable at first, but now the interest rate is making it unaffordable again! The loan now is owned by Ocwen Loan Servicing ( More Crooked than Any Debt Collector )! Impossible to deal with! 
In XX/XX/XXXX I sent a Certified Letter & Claim re : The XXXX and the original DEED that was fraudulentl from the start. It was made by XXXX Mortgage in XX/XX/XXXX 
Ocwen has never replied the XX/XX/XXXX Certified Mail. All they have done is send me copies of the original Loan Modification Documents and avoid/ignore the fraudulent claim against them! 
They are stalling because my house is now longer under water and they would love to own it! 
I am now XXXX years old and try to work as much as I can, but I 've had a XXXX, I 've had over XXXX in my lifetime and still do have XXXX removed about every XXXX months, due to a compromised Immune system from trans plant. 
I would sure hate to be on the street at my age and condition!

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: XX/XX/XXXX I received a copy of Memorandum of costs after Judgement and declaration of Accrued Interest in the amount of {$2800.00} ( interest ) Plaintiff : Midland Funding LLC VS : Me with a case Number which I was in shock to receive in the mail. I called the number on Document to get information regarding notice, I was told a judgement had been filed and account is a legal matter and if I want information I can obtain it by going to the courts for file. I told the rep I know nothing about this!! All they said was to pay and/or they were in a process for garnishment?? Immediately went to the courthouse for copy of the entire file. Midland Funding filed a XXXX XXXX civil case for the amount of {$5900.00} On XX/XX/XXXX. Unbelievable, it stated that Midland had purchased debt from XXXX in XX/XX/XXXX and they have the right to collect in its place as the original creditor. I do not recall ever having an account with XXXX ending in ... XXXX. I had one credit card with them acct # ending in XXXX that I had settled and was given a XXXX for the difference in the balance. I am in good standing with XXXX and i do n't believe this debt is valid because XXXX is my auto Loan carrier and if I had a outstanding debt with XXXX I do n't think XXXX will provide me with a loan if I had bad debt with them. I was never served as stated in the proof of serviceXX/XX/XXXX. After researching XXXX XXXX XXXX XXXXr and address it turns out that it is a Printing Shop that has been there for 21 Years and no one by the name of who served me works or know of that name. XXXX # is not found in XXXX. Does this person even exist??. Midland was granted a XXXX Judgement against me XX/XX/XXXX based on Failing to answer Complaint of Midland.. I was never served regarding the Judgement!! The court allowed the default judgement without proper validation of the debt and was honored only because I did not respond and assumed valid per Midlands request. Only documentation provided was a Copy of a statement without any transactions or last payment information and a AFFIDAVIT of an employee in support of Judgement that just says that she has reviewed and has access to records and account and a witness of accuracy. So if that 's the case why was n't any contracts, agreements or sales slips of purchases provided to prove the debt?!! It is crucial that they prove that this debt is in fact my obligation with proper documentations according to the law and my rights To refer Consent Order CFPB-XXXX Filed XX/XX/XXXX Midland is not complying with the terms of the settlement with CFPB. I am requesting that Midland move to Vacate Judgement Immediately if they do not fully validate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: Previously I had filed against XXXX XXXX located in XXXX California regarding a bumper on a XXXX XXXX that I purchased.The bumper was coming off the car and we finally reached an agreement.On XXXX/XXXX/XXXX The air conditioning in the car went out. I just can not understand how a car can have so much trouble in 4 months.I am without a car for 2 days.And if the car was inspected it must not have been a good inspection.reimbursement for loss of use.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (GA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I closed my XXXX " XXXX '' account due to being charged a late fee at XXXX XXXX as their closing date is at XXXX XXXX. I disagree with this and closed my account. ( They did refund the late fee ). 
I cut up my card and sent a letter to XXXX closing my account. 
Due to not having the account number I am now unable to call to make payment as the XXXX phone number requires the input of an account number. I selected any option and did find someone to accept my payment but the customer service rep could not tell me my balance nor minimum payment due as I have paid ahead on my account. 
I then requested a paper bill. 
I am unable to pay online because I do not have an account number and XXXX will not reinstate my online ability. 
I again put in writing and wrote XXXX and requested a paper bill 30 days ago but have not received a paper bill. 
I am unable to go to a store due to the location being over an hour away. The nearest store has closed that was 1 hour away as well. 
I am unable to get through by calling customer service because I do not have an account number. 
I am unable to pay my bill online because I am locked out and do not have my account number. 
I can mail my bill but do not get paid until the XXXX and do not trust the processing time to avoid a late fee based on XXXX XXXX policies and ability to contact customer service. 
How can one pay their bill? 
I want to pay online or have a direct phone number to pay my bill since I do not have an account with XXXX anymore. I find this process very difficult and not consumer friendly. But yet XXXX will immediately charge late fees at any opportunity. 
I do not want nor accept automatic payments on my accounts due to past experiences when an account is paid in full but experienced continued deductions.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Bank account or service (Savings account) with SCOTTRADE BANK (CA).
Issue: Deposits and withdrawals

Complaint: I was formerly a Scottrade customer and part time Scottrade intern at the XXXX XXXX campus - and I can not say I am surprised that this happened. 

Scottrade 's customer support has always been horrendous with managers placing emphasis on an unwritten policy to not deal with any dispute if it requires significant resources. Managers have cut the Scottrade support staff to a minimum and instructed employees that if a customer is not satisfied - " force them to use arbitration ''. The corporate culture is all about profit - not a minute is dedicated towards customer satisfaction. 

In terms of cybersecurity, Scottrade is at best below par, at worst, utterly incompetent. I have now moved to the Cybersecurity business and have analyzed complaints against Scottrade as well as their statements in an effort to research the industry and found some very disturbing things. Like others has mentioned, it took Scottrade more than two years to discover the breach, they refuse to give details, and do not provide retroactive identity theft coverage - but there is much more. 

1. ) If you XXXX " scottrade muckrock '' you will see that a number of complaints submitted to the SEC and forwarded to Scottrade have directly reported the failed cybersecurity infrastructure and corporate ignorance. If you file FOIA requests with the SEC you can obtain more information. 
2. ) An associate of mine was a victim of an " account takeover '' in 2013. His Scottrade account was hacked and over XXXX dollars was stolen. Scottrade refused to acknowledge the fraud and claimed on numerous occasions that their cyber systems are " flawless ''. 
3. ) Also reading complaints about Scottrade and researching their computer networks, there are STILL security vulnerabilities in Scottrade 's systems that allow fraudulent ACH transfers, fake account, and market manipulation. 

To everybody that has decided to leave Scottrade - Good for you. 

To everybody that is decided whether to go elsewhere - There are numerous other options available, choose somebody that offers two factor authentication, that is generally an indicator that they at least have a half-way competent cybersecurity department. 

To everybody that is still doing business with Scottrade - If things go south, expect Scottrade to XXXX you in an efforts to protect their profits and avoid liability.

Company response to consumer: Closed
Consumer complaint received 06/15/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (ND).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: THIS IS AN ACCOUNT FROM PORTFOLIO RECOVERY  XXXX . THIS ACCOUNT IS PAID IN FULL. UPON SETTING UP PAYMENTS ON THIS ACCOUNT I WAS INFORMED THAT THIS ACCOUNT WOULD NOT BE REPORTED TO THE CREDIT AGENCIES BY A  MANAGER  (  XXXX  ) BECAUSE I WAS HANDLING THIS ACCOUNT AND PAYING OFF THE DEBT. THEY DID NOT HONOR THEIR SIDE OF THE DEAL AND DID REPORT MY ACCOUNT TO THE CREDIT AGENCIES. I HAVE CALLED THEM NUMEROUS TIMES REGARDING GETTING THIS ACCOUNT REMOVED FROM MY CREDIT AND I HAVE BEEN TOLD TO CONTACT THE CREDIT BUREAUS AND WAS ALSO TOLD THAT THEY DO NOT DELETE THERE ACCOUNTS FROM PEOPLES ACCOUNTS. PLEASE HELP ME TO GET THIS REMOVED FROM MY CREDIT REPORT. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Debt collection (Medical) with R.M. Galicia, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A Collection Agency named Progressive Management say I owe {$330.00} to them for a medical bill XX/XX/XXXX. Which would n't be possible since I was under my mothers healthcare and barely graduating high school. I did n't know anything about this debt till I tried to get a credit card around XXXX. I got no letter or email saying I owed anything. It just stopped me from getting a credit card since this was on my record. I checked XXXX and XXXX to see if they can find it, I even called XXXX to see if they can find this debt I owed. But they said I had a clean record and I owed nothing. So I tried for a credit card in XXXX with my mother to see if I can do a joint account for a credit card and they told me the same thing. this debt collecting agency was on my record. So after that I research them and found out they scam people in debt that is not real. I found out they went for people who had someone deceased in their life. If it was their child, spouse, or even ex spouse. They have been around since XX/XX/XXXX. Now XX/XX/XXXX I finally have a credit card but still have this in my record and I just want it finally removed after finally getting this letter of last month showing that this company actually is on my record on this piece of paper.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation