milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-07-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (OR).
Issue: Taking out the loan or lease

Complaint: Our loan was purchased by Santander we have paid XXXX monthly payments of {$360.00} on a XXXX month loan and Santander claims we still owe {$6200.00}. They told us we need to do a loan modification to pay this last {$6200.00} over XXXX months. How can we make all XXXX payments and still owe {$6200.00} this is fraud and extortion. They beat my credit up over this modification they tell my ex-wife do n't make a payment until the loan mod is complete and then report you as late my credit score dropped XXXX points in XXXX minute when they reported the payment as XXXX past due. Here is how they did it and the attached payment history will show this. On XXXX/XXXX/2008 they added {$2600.00} to the principal out of the blue then every month they charge numerous miscellaneous fees between {$10.00} and {$36.00} a couple of times a month for the life of the loan. We originally were with another company and the terms of the original loan were nothing like they are now. I would not be surprised if they changed the interest rate as well who can tell how they compute interest.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX 's client XXXX XXXX is an identity theft victim. An account was opened with SYNC Bank/TJ Maxx with his information without his consent X/XX/2017 and a balance of {$1200.00} was established shortly after the account was opened. A formal dispute of this account was mailed, certified return receipt to SYNCB/TJ Maxx X/XX/2017 and was received and signed for. SYNCB never replied to our client concerning the status of the dispute ans as of today a credit report from XXXX shows the fraudulent account with the balance associated is still being reported. A second dispute of this account was sent to SYNCB/TJ Maxx. This is a clear violation of the FCRA and XXXX XXXX 's federal consumer rights.

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 08-10-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I 've been attempting to close my account and have plenty of issues with closing the account by phone. I am not able to visit a branch location to close the account because I am out of the country currently. They continue to charge me a monthly maintenance fee and this is a result of not being able to close the account on time. Bank Of America will not waive those fee 's even though they ca n't close my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/21/2015 about Payday loan () with High Point Asset Inc (KY).
Issue: Can't contact lender

Complaint: Third party company states I still owe for pay day loan from 2011, when loan was paid. High point asset is calling my cell phone and work phone which I have said is not acceptable because I work at a hospital and it effects patient care. I have requested validation of so called debt numberous times by mail only but have n't got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OpenRoad Lending (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I woke up the morning of XX/XX/2016 to an alert sent to my email for a decrease in credit score. I sent off for my report to access for any changes in activity and I notice that open road lending had accessed my report without my consent. I contacted the company directly to attempt to remove the inquiry and was told it would be removed. I never gave them permission to access my credit. Recently, after applying for a home mortgage I notice that this inquiry is still reporting negatively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax placed an adverse account on my credit report from a company called, " XXXX '' on XXXX XXXX, 2008. This account should have never become adverse because I turned in a forbearance form that should have prevent this loan from ever defaulting. Since this account is scheduled to be removed soon anyway, I would like it deleted from my credit report. It would save me and XXXX XXXX a great deal of trouble. If this account is not removed asap I will have to seek legal counsel to get it deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Balance transfer

Complaint: Long time cardholder with CITI, no other accounts with them, always 'pay in full ' by the due date, except for a couple of times I forgot and missed by a couple of days, otherwise 100 %. Recently accepted a $ XXXX 'balance transfer ' offer, advertised as XXXX % until XXXX. When next bill comes in, I pay the balance down to $ XXXX and think nothing of it. Next month, same thing, and think nothing of it. This month I check the statement and they 've charged me interest. I call to ask why, and they inform me that " while the balance transfer amount is interest free, you are now charged interest on your " regular '' purchases " because your balance was not paid in full ''. Fortunately I check the statement to see this. 
This is fundamentally misleading, and they attempt to point me to the language in the CARDHOLDER agreement that says, " If you do n't pay in full on time, we charge you interest ''. Nowhere does it make mention of this in the offer of " zero interest balance transfer '', which incidentally they include with EVERY statement. 

They have, so far, refused to scrub off the interest, despite my 'non-balance transfer ' amounts being paid in full each month. Had I know this was how they would turn zero interest into 24.4 % interest, I would n't have accepted the offer. 
These guys are required to clearly post due dates, interest charges etc - this is a DELIBERATE effort on their part to benefit by most customers not knowing, and they certainly do n't tell you anywhere on the offer. 
I have paid the balance transfer and outstanding amounts off, and I am going to terminate the card as I will not do business with such a shady company. 
I would ask you guys to tell them they must make this in big, bold letters so people understand how they are trying to bait you into paying them interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Transunion ( TU ) is reporting a bankruptcy on my credit report that is showing the wrong filing date. The bankruptcy I 'm referring to is : NORTH CAROLINA XXXX COURT-XXXX - Docket # : XXXX If the correct filing date was showing, this bankruptcy would already be deleted, and would not be on my credit report. I 've reported this to TU several times, but TU keeps telling me this information has been verified. I asked TU how they verified it, and they said they contacted the bankruptcy court and that 's where they get their information from. I called the bankruptcy court myself inquiring about this matter and asked them if they would please contact TU and give them the correct filing date. The clerk at the courthouse told me they do not give out any information whatsoever to the credit reporting bureaus. If that 's the case, how is TU " verifying '' this information. Personally, I do n't think TU is doing any investigations at all. Each time I file a dispute, they just keep sending me a letter telling me that this information " has been verified. '' I asked them for the documentation that proved they had done an investigation, and they just tell me I will have to contact the source. ( In other words, the bankruptcy courthouse ) But I 've already contacted the bankruptcy court and they said they do n't provide any information to the credit reporting agencies, so how is TU verifying it?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Debt collection (Medical debt) with TekCollect Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX, I received a XXXX alert where someone added an address to my credit file that did not match any of the addresses where I stayed or have on file with XXXX. XX/XX/XXXX, Tek-Collect added a collection to my credit file that did not belong to me. XX/XX/XXXX I sent a letter to Tek-Collect requesting they send me any information validating this debt. On XX/XX/XXXX XXXX XXXX. XXXX sent me a document from XXXX XXXX XXXX. After carefully examining the document there was the address that was added to my  credit report and the person 's birthdate that did not match mine. I responded on XX/XX/XXXX informing XXXX XXXX that the debt was not mine, I never lived on XXXX. XXXX, that was not my doctor and certainly not my birthdate. I did inform him that on XX/XX/XXXX that someone added the XXXX XXXX address to my credit file. After waiting several weeks, I did not get a reply from Tek-Collect and the error remained on my credit file. XXXX and XXXX, after receiving my proof of address, utility bill and valid driver 's license with  birthdate, they promptly removed the collection from my credit file. However, this debt remained on XXXX. On XX/XX/XXXX I file a dispute with XXXX ( confirmation # XXXX ) disputing the address and the debt collection. They asked that I send them a valid driver 's license, copy of my social security card or XXXX form and Utility Bill in my name within 24 hours of my dispute, which I did. 
On XX/XX/XXXX XXXX said 'if they were able to make changes to my credit report based on the information I sent, they have done so. Otherwise, we, ( XXXX ) contacted the company reporting the information to XXXX for them to investigate your dispute. 
- We request that the reporting company verify the accuracy of the information you disputed ; - We provided them with any relevant information and supporting documentation you provided us with the dispute to consider as part of the investigation and - We request that they send XXXX a response to your dispute and update their records and systems ' As of XX/XX/XXXX, I  have not heard from Tek-Collect and XXXX sent all my personal information they requested Tek-Collect and the collection remains on my credit report. Now, I 've found out that my personal information through XXXX has been compromised. I want this debt collection removed from my credit report because it is not mine.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2018 about Debt collection (Other debt) with PNC Bank N.A. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This is a formal complaint lodged against PNC Bank. In XX/XX/2015, PNC Bank unjustly accused me of owing them a balance of {$2.00}, XXXX. Despite multiple attempts to prove to them I was not liable and had been a victim of identity fraud/ theft, they still attempted to hold me personally accountable. After much stress and litigation, PNC conceded, acknowledged that I was not responsible for the fraudulent activity, closed the case, and sent me documentation that any fees incurred or credit required would be dealt with, accordingly. Today, I went into another banking institution to apply for other financial products. The representative stated I had been 'flagged ' in their system due to " fraudulent activity '' associated with a previous PNC bank account and that my request had been denied, consequently. I went directly into a PNC branch to be put in contact with someone from their internal escalations department and was informed that despite, not having been liable for their formal claims against me, I would continue to be penalized by having this incident in my history for up to 5 years, when in fact, my name should've been removed from the flag/ fraud database as soon as it has been established, I was responsible, back in XX/XX/2015. Ive attached proof and correspondence received from PNC Bank to date. I am pushing to have my name removed from the fraud database. 

Thanking the bureau for its time and consideration of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I sent a dispute certified mail dated     XXXX   XXXX  , 2017  r egarding erroneous reporting on my Equifax Credit Report ; with a Creditor. I referenced the account number listed on the Equifax Report for an "  Unverified  Account. '' I had    XXXX     accounts total reporting from this  Creditor and three  of those were an asset to my credit report, and were validated as mine. Equifax erroneously removed ALL four causing a very detrimental affect to my credit score and reporting. Removing   XXXX   good standing accounts, shortening my length of open credit and good pay history ; this was a poor decision of Equifax . One of the three  accounts is one that I am still paying on faithfully without  one  missed or late payment for the past seven years. " Deleted ''. The other two were paid in full account with no late or missed payments. " Deleted. '' Only one which was negative did I dispute and it was removed.     When I got the update in the mail, dated,     XXXX   XXXX  , 2017    , I immediately contacted Equifax for correction. When calling I received a very rude and insensitive representative that continued to tell me that I disputed the accounts and when referencing the dispute letter I sent she said, well you need to contact the Creditor ; after not being able to justify the error.     The  Creditor  is saying we need copies of the report and we may not be able to assist you with the paid off closed accounts, but the open one that your still paying on we can research. This is time consuming, and unfair. This seems intentional and no one is willing to help as I am in the middle of credit crisis and financial investments  may  fail.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Bank account or service (Other bank product/service) with Comerica (OH).
Issue: Account opening, closing, or management

Complaint: I called and requested that my paper statements be stopped in XX/XX/XXXX. I was closing my account so no longer needed them. I have been getting them still to this day XX/XX/XXXX and am still being charged for them. The company person ive been dealing with is XXXX XXXX. He refuses to put the right amount back on my account. I have statements proving my correct amount owed to me from XX/XX/XXXX to XX/XX/XXXX. He states they cant figure out how to stop the statements they are working on it but here we are 7 months later and still being charged for these and on a closed account. He also refused to give me any different contacts or phone numbers to someone higher then him.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PNC Bank N.A. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I have submitted a request for release of a XXXX mortgage with PNC Bank overv ( XXXX ) XXXX months ago. There are serious ownership issues I raised plus I submitted a letter of financial hardship. I realize that PNC may have more than its fair share of non-producing mortgages, but in my case the loan was a wrap around note with my business that eventually dissolved through a Chapter XXXX bankruptcy petition. My responsibility to the note has been discharged, however I believe that PNC has no other recourse but to forgive the debt completely. The Mortgage Forgiveness Act of 2014 will protect me of any IRS issues for forgiven debt. I demand that this matter be resolved immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (NC).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On the evening o f  XX/XX/XXXX  I re viewed my account and became aware that it was in the negative. At the time there were  XXXX  pending items - {$26.00}, {$24.00} and {$11.00}. The pending items as listed were included in the negative balance. I immediately transferred {$80.00} from my savings account to cover all of the pending items and have a positive balance in the account. The next morning my account was again in the negative. No additional charges beyond the pending items from the night before had posted.  Suntrust chose to post the  XXXX  pending items prior to crediting the transfer deposit of {$80.00}. This is both unfair and deceptive because when I transferred the {$80.00} my account reflected a positive balance- that there was sufficient funds to cover the pending items and have a positive balance. However, by Suntrust posting the pending items first ( knowing that there was money deposited to cover them ) you balanced my account in such a way that maximized the possibility of overdrafts. Again, unfair and deceptive. I am requesting that Suntrust  immediately refund {$100.00} charged to me as overdraft fees on   XX/XX/XXXX .  Thank you for your immediate attention to this matter.

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 02/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have contacted the company in writing and on XXXX to verify this debt which they have not! It says originally from XXXX and I have had XXXX for the last 9 years so if it 's accurate it 's way old. They will not contact me back. I have even emailed and called to say I would like to resolve it and instead of contacting me they have now made it a charge off on my credit! It 's a very small amount of money and I would like it off my credit! I feel as though they would rather ruin credit than resolve issues! I 'm a single mother trying to purchase a home for us and this is causing problems for me over {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Nation star mortgage seems to be churning my file with no intention of Considering a Modification. I believe they are also charging a fee to the investor for the churning of the file. See attached letter and documents

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Loan servicing, payments, escrow account

Complaint: They took over a mortgage from my current bank. I attempted to keep my interest and payments low. I did not want a payment over XXXX like I have had before with original bank. They manipulated my account to where I was forced to pay XXXX a month in mortgage. Much higher then I agreed to pay originally.

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 02/25/2016 about Mortgage (Conventional fixed mortgage) with Titan Title & Closing, LLC (OK).
Issue: Settlement process and costs

Complaint: Working with Titan Title in XXXX during the closing on the sale of my house was challenging, to say the least! Careless errors, excessive charges, rude and unprofessional employees, and multiple document changes made for a less than pleasant experience. Not only did they charge me {$770.00} in unpaid taxes on a property that I did n't own ( sloppy and careless work ; it was a different address than the house being sold! ), there were hundreds of dollars that would not have been charged with a XXXX XXXX XXXX XXXX. The lender had required that we use Titan Title in XXXX, although the property being sold was located in XXXX. Since there were several charges that our XXXX XXXX XXXX XXXX do not require, we asked that Titan charge at the local rates where the home was located. They refused. Unnecessary charges doubled the amount of my closing costs ( survey instead of a mortgage inspection certificate with a difference of {$320.00}, adjusted to difference of {$200.00} ; bankruptcy search {$80.00} even though my credit score is in excess of XXXX and the house had no mortgage ). When the property tax error was pointed out, they responded with " oops! '' and did n't even apologize. Although my experience with title companies is limited, even my realtor said she had never had such a negative interaction with any closing or encountered such rude and unprofessional behavior. After 5-6 revisions in the closing documents, one last document had to be signed after the closing was completed. The manager of Titan Title called to request a final signature so I had the opportunity to share my complaints with her. She apologized ; unfortunately, it was too little, too late. I would caution anyone in the XXXX area to choose another title company to avoid the negative and difficult experience that I encountered.

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