milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-05-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AL).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I initially received my car loan for my XXXX XXXX that I purchased at XXXX in XXXX XXXX on XXXX XXXX, XXXX for XXXX} and have made monthly payments of XXXX} since. My balance is at XXXX. After XXXX years of paying {XXXX on a XXXX loan I have only paid less than XXXX} in principle. My payment this month went XXXX XXXX toward interest XXXX after XXXX years of paying ) and my payment last month of XXXX only put XXXX  toward principle. In early XXXX of this year I paid XXXX and asked that it put directly toward principal as it was besides my normal payment, Santanders put XXXX toward interest and the rest toward principal I had to call several times and threaten to sue before they reversed the payment and put it all toward principal, my very next payment they only put the XXXX toward principal and this last payment, none.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
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: To whom it may concern,  XXXX   XXXX ,  2017  I mailed a Multiple Inquiry Removal Letter on  XXXX   XXXX ,  2017  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries that are being reported on my credit report. They received the letter on  XXXX   XXXX ,  2017  and they completed the request on  XXXX   XXXX ,  2017 . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for all inquiries, which was  Inquires are a factual record of file access. If you believe this is unauthorized, please contact the creditor. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do n ot investigate And respond, the CRA must delete the disputed information from its files. The fact that I received a response 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home and potentially a business this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consum er In b est regards,  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 05-04-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: After having a substantial relationship wit h PNC B ank, I got a notice they have decided to close my account and gave me no reason whatsoever. I  had one issue with  a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XXXX XXXX, I discover that there were 2 transaction on my checking account " Chase Bank '' ATM withdrawal for {$200.00} each. Each transaction only separated by just several minutes apart. The next day I called the bank and reported it and the bank refunded me the amount. The following week someone did a quick pay using my account with a name that I do not know for {$400.00} and the bank also did returned the funds. Before this transaction made, someone already requested an new ATM without my approval.The bank charged me {$5.00} which also they refunded. I requested to closed the account but bank refused to closed it because of ongoing investigation according to them. I waited for them to finish they 're investigation and I just found out that they are charging me back the 2 separated {$200.00} transaction worth of {$400.00} without receiving a courtesy call or anything to informed me. I went to the bank and asked what is going on. The banker told me to call the executive office XXXX to find out. The person I spoke with told me that the decision was already made by the bank to reversed what they refunded me because my ATM has a chip and can not be hacked. I explain my side but with no avail, they said they already made the decision based with the chip. I can not understand why I suffer for the bank that they can not protect my account. I leave here in XXXX, California and the transaction was made in XXXX Texas according to the bank customer service I spoke with from the Executive office. I told him it 's absolutely not me and I have never been in XXXX Texas. I am sure this is not only happened to me, I am sure there are lots of consumer suffering this particular problems. Please call me at XXXX or email me at XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX   XXXX  did n't replying in a timely manner to my initial letterS or have they to date after certified mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they may be liable for your willful non-compliance, as per FDCPA  807. False or misleading representations [ 15 USC 1962e  ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other act ion ( or in-action ) on their behalf has resulted in CURRENTLY FILING a small claims action agai nst their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am filing lawsuit against  XXXX ,  XXXX  & TransUnion for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.

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 03/15/2017 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Re : Cavalry Portfolio Services, LLC Account # XXXX I sent a register letter to Cavalry Portfolio Services, LLC requesting validation of debt for their account # XXXX on XX/XX/XXXX. 
They failed to provide the information I requested. Instead, sent letter dated XX/XX/XXXX requesting that I provide : " specific information that I was disputing and an explanation of the basis of my dispute ''. They also stated that they would write to me again in XXXX in regards to my dispute. 
After not hearing from them, a second registered letter on XX/XX/XXXX requesting " validation ''. Again they failed to provide the information that I had requested. Instead the sent letter dated XX/XX/XXXX requesting that I provide them with " specific information that you are disputing and an explanation of the basis of your request ''. 
I used a template found on the CFPB site to dispute this collection account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since this collection agency failed to properly validate and send me everything that the CFPB says I can request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STERLING JEWELERS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This account is reporting negative information and needs to remove it ASAP a s it is over 7 years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NJ).
Issue: Managing the loan or lease

Complaint: My wife passed XXXX XXXX, 2015 after 2 years of sickness. Our truck was in her name and I tried to take over the payments. I asked the loan office to put the loan in my name so I could make the payments. They told me they would need 3 weeks to do the paper work but in the mean time I should continue to pay the loan XXXX $ XXXX/month XXXX and the insurance. They faxed the paperwork to me so that I could switch the loan into my name and they told me it would take 3 weeks. I filled out the information and sent it back immediately. Again they told me it would take 3 weeks. I called every week for the last 2 months, checking the status of the paperwork. After weeks of calls, they finally told me they sent the paperwork to me through XXXX. 2 weeks later, I did n't receive the paperwork. Last week, the week of XXXX XXXX. I called and told them I did n't want the truck anymore because they had n't changed the name on the loan. I also requested the payments that I made be returned to my account. After that, they transferred me to someone who told me that I would not receive money back because I made voluntary payments when -- in reality -- they TOLD me to make the payments while they did the paperwork. I informed Ally that since XXXX XXXX I was unable to use the truck because the license plate and the registration was expired. I could n't register the truck where I live now because it was in my wife 's name. I was unable to use the truck to go to work and therefore lost money by continuing to pay the loan and insurance. The lack of immediacy in Ally 's response to my request cost me to get a used car just to get around.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY ().
Issue: Deposits and withdrawals

Complaint: I deposited a check from my roommate into my account because I paid the move in cost for us to move into our new apartment. His check returned, the bank never release the money which is a good thing and I got accessed a returned check fee, which I do n't mind paying. The bank has now restricted my account and is scheduling it for closure. This is unfair to me as I need this account.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I noticed that a debt for  XXXX  was being reported on my credit report. I disputed with   XXXX   and Transunion as I had no knowledge of this debt and it appeared to an unverified debt.  XXXX  realized that debt was not verified and removed. However Transunion continues to report despite my various request of an reinvestigation demanding that they provide me proof of physical verification. Not only have they not provided me physical verification but they have failed to notify me of the results of the collection.

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 02/15/2018 about Debt collection (Other debt) with Resurgent Capital Services L.P. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent a CERTIFIED MAIL DEBT VALIDATION letter to XXXX XXXX XXXX requesting that they VALIDATE NOT verify a debt that they are attempting to collect from me. I specifically asked for a singed agreement and other supporting documentation. They provided me with account summary which does not prove i am obligated to pay them anything. They have reported delinquent information to the credit bureaus that i am asking to be deleted asap. I have no obligation and or contract with them at all. They have failed to provide proper documentation in the 30 days also. They have failed to show me a sign document where i have applied and sign for it also. 15 U.S. Code 1692c states ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have not given any company above written consent to contact me about alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/17/2016 about Mortgage (VA mortgage) with Stearns Ventures, LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a home XX/XX/XXXX and XX/XX/XXXX I received notice from the credit bureaus that I had a 30day late payment on my credit which has dropped me over XXXX points. After receiving the information that I had been late I went to XXXX/Stearns and asked when the payment was late in because the payment I had submitted was on XX/XX/XXXX which was 10 days past the date I needed to submit for. They then told me that the payment I made on XX/XX/XXXX would be to cover XXXX XXXX payment which would make it 40 days late. After much discussion I found that my account has had a rolling 30day late payment since XX/XX/XXXX. Believing this was wrong I went to my bank and requested the past years bank statements and payment history with confirmation of payment emails and have not found a month where a mortgage payment was not deducted fro my account. I then took the information to XXXX/Stearns and they told me to submit a email using their secure server on their website and include the documents that I have. I submitted 2 emails to Stearns including the information they required to resolve the issue and nothing has been done. We have also sold our house that was with XXXX/Stearns so the loan is closed out, but since XX/XX/XXXX we have received XXXX more 30day late payments on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NV).
Issue: Account opening, closing, or management

Complaint: I BELIEVE THAT MY ACCOUNTS AT THE WELLS FARGO BANK HAVE BEEN UNLAWFULLY USURPED AND DEVALUED. I WOULD LIKE TO ENSURE THAT NO MONEY IS LOST EVEN AT BANK CLOSURE. I AM HOPING THAT NO MONEY IS LOST DUE TO TRANSFER, TRANSPORT OR ANY MOVEMENT ON THE CASE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Debt collection (Medical debt) with Sarma (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Debt was settled for lesser amount. Collection agency refused to remove debt from credit report after collecting and verbally agreeing on settlement. Debt company received settlement payment and refused to remove debt or list debt as settled.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Debt collection (Medical) with Tri-State Adjustments, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX I ordered XXXX Supplies from XXXX XXXX for my mother and myself on XXXX separate orders ; with XXXX separate insurances. XXXX XXXX billed both orders under my account ; I called multiple times and gave them my mother 's Medicare and Tri-Care for Life Insurance information ; and each time they advised the account had been updated out of my name. 

Several months would follow and I would receive a bill indicating the {$370.00} was due ; I 'd call them up and go through the same process. Each time, they 'd assured me the billing issue was fixed. I believe I may have received a call back in XXXX in regards to the bill, which I thought was XXXX XXXX and explained again that they should have billed my mother 's insurances. Did n't hear anything from them since. I have not received anything from anyone either in regards to the debt still being taken out of my name. 

Last week XX/XX/XXXX, I applied for an unsecured loan and was told that I had an account in collections. After researching it on XXXX, I discovered XXXX XXXX had assigned it to a collection agency - Tri-State Adjustments , Inc . This was a surprise, I filed a dispute with XXXX in regards to the collection account. I have not received anything from Tri-State or XXXX XXXX on this issue. 

The medical supplies sent to me does not even fit ; my machine, the filters, prescribed mask, etc. fits my mother 's profile. Her name is XXXX XXXX. It has been three years and I 'm not sure they can bill Medicare now. XXXX XXXX call records will indicate my persistent attempt to get them to get this off my account and into my mother 's to bill her insurance. 

This has negatively affected my credit score and hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I moved into   XXXX   XXXX   XXXX   XXXX   was told upon moving in that I would have to give a 30 day notice to vacate apartment. I gave my 30 day notice paid my rent then was told the policy has changed and that I needed to give them a 60 day notice. They kept my {$400.00} pet deposit and my security deposit

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have received multiple letters from Jefferson Capital Systems stating they are attempting to collect a debt for XXXX XXXX. I have made several attempts to contact the company to inform them the account is not mine and was opened with my stole personal information. My credit report states the account was originally reported on XXXX XXXX, 2017 in the amount of {$620.00} and I have had a different cellular phone carrier for over 5 years. I have also emailed the company filing a complaint with them so that they can send some kind of verification that the account was actually opened by myself but again no response has been sent from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a XXXX owned, Bank of America serviced home loan. My home is still 'under water '. Is n't it the case that Bank of America was recently required to reduce principal values on homes that were purchased/financed via sub-prime loans? Am I eligible to receive such a principal reduction on my home loan?

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 09-10-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Please note the attached documents were submitted and the BANK OF AMERICA has offered us a cash settlement to sign our interest over to them and we have been trying to work with them for over 5 years on this.! The tax liens are attached to the property XXXX XXXX XXXX XXXX NC XXXX. All was filed and documented as you will see attached. This has been such a beyond nightmare and I have received a ton of letters from BANK OF AMERICA stating they would get a resolution, they have kept on and on and back and forth and never want to resolve or give any answers! I am sick of being put on the back burner and treated like a automated letter will go out. I am going to mail, fax and send all XXXX pages of correspondence to you, banking commissions, and any other complaint places because they are wrong! Desired resolution- We will release our unencumbered interest to them for settlement we sent them. This has caused my family to break up, move XXXX times and end result wasted a ton of my time when all they had to do was work with us originally. It is so beyond fair that people just have to let BOA give them what they want because they do n't care. I am actually sick of playing games and getting all this correspondence, letters, sign this and do this and I am not agreeing to a settlement until it is right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation