milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2015 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (OH).
Issue: Settlement process and costs

Complaint: My husband and I purchased a house in XXXX of 2013. We used a VA loan through XXXX XXXX XXXX XXXX. They told us what realtor to use. That realtor only wanted to show us properties his agency had and when we did choose a perfect property VA denied it because it had no fridge. They approved the house we purchased however even though there was no fridge. During the purchase the realtor would call us to his office to sign papers XXXX inches thick and told us he was on a deadline he had to send them back immediately. We needed to sign now and read it later and would not allow us time to thoroughly read everything before signing. He was pushing everything through as quickly as possible. We paid {$81000.00} for the place and a week after closing the other houses on the street started selling for $ XXXX {$65000.00}. We found out that our place was only worth XXXX. Now we owe XXXX more than the property is worth. There are a number of repairs that were supposedly done. None of them were done properly. Our local XXXX XXXX Fixed a few thing for us. There is so much wrong with the place that it is going to cost about $ XXXX {$200000.00} to properly fix it all. We have applied for and been denied for every government program out there. I feel like my family has been screwed. We have no options with the bank who owned the property before us. We were told we have owned the place too long. We are a low income family and ca n't afford all that this house needs. I feel like it is going to fall down around us. XXXX of the more expensive issues is that the house is sinking. There are springs that run under the houses on this street. The support columns do n't even touch the house because they have sunk into the ground. The floors and walls are cracking, the stairs are pulling away from the wall. It needs jacked up and stabalized. Is there anything we can do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Bank account or service (Checking account) with PNC Bank N.A. (MI).
Issue: Account opening, closing, or management

Complaint: I received an email this afternoon from my bank, PNC, to let me know I have the option to opt out of their arbitration clause and that if I choose to do so, to clink on the link that is supposed to be in the email. 
However, there was no such link in the email. So, I went to their on-line chat service and brought this up. They said I could call the bank and talk to XXXX of the consultants. I asked though, if they could just send me the link. They said I should call. 
After I called, I spoke to XXXX XXXX, PNC Customer Service Representative about this. She said they were working on the link. I expressed my extreme dismay and concern that the bank would send out an email without the link attached and that it felt to me like they were making it hard for customers to actually opt out. I also said that the online chat people at least should have been able to give me the link. 
She took my information and will be opting me out of arbitration with a follow up letter to confirm this. Again, I expressed my concern, asked her to send my complaint to the appropriate PNC officials and that I would let the banking regulators know - thus my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XX/XX/XXXX ; I Disputed XXXX Bk entries in my XXXX bureau credit report ; transunion deleted them after investigation. Experian claimed they were verified by the Bk court. I called the Bk court ( with the info Experian provided as there source of verification ), and also showed up in person. I spoke to the clerk and I asked about there process of verifying ; or even validating anything to credit bureaus. The clerk told me via phone and in person that : the Bk court does not under any circumstances report, validate, or verify and information to credit bureaus. I have sent 3 to 4 letters to Experian giving them the opportunity to correct this error, to add insult to injury Experian has also violated the FCRA by not marking these items disputed on my credit report, or bearing any proof that these belong Bk entries belong to me. I need your assistance.

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 09/14/2017 about Debt collection (Credit card debt) with Professional Recovery Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: this debt is showing on my XXXX credit report its not mind this account was opened in ohio i NEVER been or lived in ohio, i called them and wrote them and they still can not find proof its mind there causing harm to my name and credit report they dont even have my correct social XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Mortgage (Home equity loan or line of credit) with FLAGSTAR BANK, FSB (MI).
Issue: Loan modification,collection,foreclosure

Complaint: Our home equity loan became due, it was an interest only loan, 10 year term. Over the 10 years, we never have been late or missed a payment. Our goal was to modify this loan into a principal plus interest loan and pay it off over 20 years. We also would like a fair rate of interest. Our bank is asking for full payment, have mentioned foreclosure and in our eyes are being somewhat difficult to complete this process. We own a business and show income via or tax returns, they 're asking for a P & L from a CPA, at an additional expense of {$250.00} + to apply for this modification. Our goal has always been to keep our home and reapply for another 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 10-07-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (OK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XX/XX/XXXXmy mother ( XXXX XX/XX/XXXX ) open an account with Care Credit at a XXXX office located in XXXX, Oklahoma, which is no longer in business. This was a promotion card that ends XX/XX/XXXX. I contacted care credit probate department in XX/XX/XXXX. In XX/XX/XXXX, I  received a letter from Care Credit stating that this account will not go through probate because they had me listed as a secondary cardholder. This is completely false! Myself and my daughter were supposed to be ONLY authorized users. Since XX/XX/XXXX, I have spoken with numerous customer service representatives and supervisors informing them of her XXXX in effort to come to some resolution over this matter. In XX/XX/XXXX, I requested a copy of the application and Care Credit told me that the application was processed electronically and a paper copy was not available. Please be advised : my mother signed a paper form at the XXXX office. Also, in XXXX, Care Credit finally closed the account and advised me the account was being forwarded to collections. ADDITIONALLY, After Care Credit was informed of the XXXX of the primary cardholder, the billing statements are now being sent in my name!! Since my mother 's XXXX, whom is the primary cardholder, I 've been receiving billing statements from Care Credit ( last one sent in XX/XX/XXXX ) and collection letters from XXXX XXXX in XXXX, Ohio, because my mother and I resides at the same mailing address. I attempted on multiple occasions to explain that my mother did not have a power of attorney and she did not have an estate and that I am NOT liable of this debit. I would NEVER consent to be a secondary cardholder or be a responsible party of such debt when I have not obtained employment over 20 years! Today ( XXXX/XXXX/XXXX ), I received a collection letter from XXXX, XXXX, XXXX, XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ok ... in reference to this debit. As of today, XX/XX/XXXX the debit is listed at {$1500.00}. I have sent validation letters to Care Credit/XXXX XXXXXXXX XXXX XXXX, and now the XXXX XXXX of XXXX, XXXX, XXXX. XXXX, XXXX XXXX, XXXX. As a consumer, I feel that I am unlawfully being harassed over a debit that is not mine..it belongs to a woman now XXXX, and I would like all collections activity against me to cease and be removed from all credit reporting agencies ( XXXX, XXXX XXXX XXXX ). I am requesting a full investigation of business practices as I feel Care Credit/XXXX XXXX is in violation of the Fair Debt Collection Practices Act made pursuant to 15 USC 1692g Sec 809 ( b ).  Where is the proper validation?

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 06-05-2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This has been an ongoing situation with Chex-systems. I have faxed to them on XXXX occasions the social security card they were requesting because they said my file is being merged with someone with a similar name. I also sent to them a copy of my identity theft police report listing the fraudulent inquires that are related to the fraud that has occurred and they have not sent me any letters as they stated they would. I have requested on several occasions for them to remove the fraudulent inquiries from my file and yet they continue to ignore my request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Debt collection (Credit card) with GEMINI CAPITAL GROUP, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is a debt that was purchased and then resold to XXXX companies that harassed me and later sued me and are now garnishing me for a debt in which I had a credit protection on my account in case I had stopped working. This debt is so old but being that it has been resold it it still alive. I tried to fight it stating I was not served the documents in questions ; however, the case was mute and my wages are garnished because of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Hello, I hope this letter finds you doing well. XXXX is incorrectly reporting 23 late payments across six student loans to the credit reporting agencies, such as XXXX XXXX, and TransUnion. During the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX is reporting to credit reporting agencies such as XXXX XXXX  and TransUnion, that I was late on each of my six student loans in question. <P/>In XX/XX/XXXXI was supposed to be in forbearance for temporary financial hardship. As seen by the attached document, XXXX granted me a retroactive forbearance in XX/XX/XXXX that lasted from XX/XX/XXXX to the  end of XX/XX/XXXX. <P/>Thus, XXXX is aware that I was supposed to be in forbearance, they approved said forbearance way back in XX/XX/XXXX, and XXXX has internally adjusted their records to demonstrate that I was, indeed, in forbearance from XX/XX/XXXX to the end of XX/XX/XXXX. <P/>However, despite my numerous efforts to get XXXX to update the credit reporting agencies to remove these late payments because I was in forbearance, XXXX continues to refuse to updated the credit reporting agencies if these inaccurate late payments. <P/>I have called XXXX to dispute these late payments, and I have supplied XXXX in writing that these late payments need to be removed because I was in forbearance. In addition, I have supplied XXXX with the FTC Advisory Opinion that asserts that student loan accounts need to accurately reflect current information. <P/>Here is a copy of that Advisory Opinion : XXXX XXXX XXXX XXXX continues to report these inaccurate late payments and they continue to damage my credit by not updating the credit reporting agencies that these late payments should be removed.

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 non-monetary relief
Consumer complaint received 09-05-2016 about Debt collection (Medical) with Credit Consulting Services, Inc. (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: On Thursday XXXX XXXX 2016, I was called by Credit Consulting Services at XXXX. I returned the phone call at approximately XXXX on Thursday XXXX XXXX 2016. My first complaint was against the same company the other day, but then I remembered that they also called for XXXX bills of mine that they have. It was the same representative who was rude and her supervisor who was rude and would not help me as I demanded her and I to switch roles and see how she liked how her employee acted towards me. The employee seemed like she did n't care about her job and thought it was a joke as she went ; " hhhhhmm and chuckled, '' when I advised her that I could n't take care of it and did the same chuckle when asked me to put it on a credit card. The supervisor/manager was very rude as well. The representative never asked for my last name, last XXXX of the social, address. All the representative who answered asked for a phone number since I called blocked and my first name. They should not be assuming with only XXXX pieces of information that is me or correct. I feel that since the company see 's my last name that they are racially profiling and sending the letter in English and XXXX. I have never had this issue before and I find it very offensive and all letters and communication needs to be in 100 % English or legal action will possibly be taken. I have the documents as well for proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (NY).
Issue: Trouble during payment process

Complaint: My mortgage provider Bayview Loan Servicing. On XXXX XXXX, XXXX I made my payment of {$770.00} via their automated line. the payment was processed and withdrawn from my bank on XXXX XXXX, XXXX. In the beginning of XXXX Bayview stated that the payment was returned as a " not authorized debit ''. I was in contact with my bank and reviewed my bank statements and the money was withdrawn. I disputed it with the lending institution and was told i needed to provide bank statements as proof which I did. I have made four attempts to resolve this matter with Bayview. Each letter or call I make they request more information including several months of bank statements, requesting that I send proof directly from the Bank 's fax number as opposed to my private fax, all of which I have obliged. I went as far as getting detailed advance search from my bank detailing the payment being withdrawn, showing the ACH trace number proving that in fact Bayview did receive payment. The last call I made to my mortgage provider the customer service rep reviewed all the documentation and agreed they did receive payment and attempted to resolve my getting me over to the manager of the escalation department, the attempt was denied. The last denial of resolution letter I received now stated that the reason for the returned check is now due to a " closed account ''. I can assure you my checking account is not closed as i have made all of my current mortgage payments from that account. I have been in contact with my bank on several occasions assuring me that they have received payments. I am at a loss of words and am appalled that this situation has yet to be resolved after providing all the evidence that payment was remitted to BayviewLoan Services. This is affecting my credit report negatively as well.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Prepaid card (Payroll card) with NETSPEND CORPORATION (DE).
Issue: Fraud or scam

Complaint: I received a letter in my mailbox from netSpend out of XXXX, Texas it is a Prepaid MasterCard that you can load your full or percentage of your paycheck to. This company even provides you with a Routing number XXXX and an account number XXXX through XXXX, ( this is not my information it is theirs ) I believe they are in XXXX XXXX, South Dakota. The thing about this prepaid card is in order to set it up you have to enter the XXXX digit card number and then the # key. Then they ask you for your SOCIAL SECURITY NO. and DOB. You can not speak to anyone at this company until you do those following steps. What makes this situation weird is I am unemployed and as random as this card is there are over XXXX complaints on line from people who have given this information on line and have lost their paychecks and have bills that are past due. 
I actually put in a fake SS no and a fake DOB to see what would happen and I was able to give the card a XXXX digit pin. What makes this bad is after I spoke with this company over the phone I got an email where someone had changed the pin number. This company is in the business of scamming people out of their paychecks by making them use their financial institution to deposit their money. Many people are not aware that this tactic is illegal. The mention on the letter that they do not accept printed checks, they do not accept deposits via wire transfers, if you do they will return the check to you or destroy it. Only the person on the card can make the direct deposit. The note directly under the card says " I indicated that I had an interest in the card and that is why they sent it to me ''. I have never heard of this company nor did I intentionally or unintentionally ask for this card- so that is a lie. Once a customer signs up for this card giving them their social security number the company now has access to your credit and all of your other banking and credit reports. They take money from your account, add stop payments to other bills to other companies and put stop payments out on you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Last month a company by the name of Central Financial Control posted on my credit report that I was sent to Collections by XXXX XXXX XXXX XXXX. Their information also states that the outstanding amount was paid and the matter closed in 2014. I think think this behavior is unfair, as it is dishonest, because not only do I not remember the details of the matter to adequately defend myself, but this report was made two years after resolution and came at a time when I was in the process of purchasing a home. This action has negatively impacted this process as my credit score fell by XXXX points and the financial institution is reluctant to move forward.

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 05-01-2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I defaulted on my loan and could n't make the {$400.00} a month payments they wanted me to and now they are harassing me. For instance, they called my brother 8 times one day up to XXXX at night, but they were n't calling me. They wo n't negotiate with me and tell me I owe everything at once, {$19000.00}. I could afford to pay $ XXXX {$150.00} a month, but not {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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 have made several attempts via certified mail and notarized documentation requesting the XXXX, XXXX, and Experian to submit " proof '' of how accounts on my credit file were verified by their companies prior to them inserting them on my credit file as required under the FCRA 611 and 609 statues. Each company has parroted me with responses that items were investigated and verified and never submitted proof of any kind, described who in there company investigated my request and simply refused to comply with the FCRA laws and regulations. No hardcopy proof has ever been submitted as requested. These copies continuously attempt to redirect me to the companies who placed these electronically placed these items on my file without any sign contracts to verify I owe any financial obligation too.

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 09-01-2016 about Consumer Loan (Vehicle loan) with LOBEL FINANCIAL CORPORATION (NV).
Issue: Managing the loan or lease

Complaint: In XXXX XXXX I bought a XXXX XXXX XXXX financed by Lobel Financial. I signed all the paperwork with my payment being {$290.00}. I went down the street to get proof of insurance for this vehicle, I get back, I was told the finance company had already jacked my payment up. I had to sign new paperwork, making my payment {$320.00}. Before the first payment was due, I got a notice that I did n't have adequate insurance and they were going to XXXX my payment up ANOTHER {$66.00} a month. This continued the whole time I had this vehicle. ALL the documentation is being sent to you. The insurance company repeatedly faxed them proof. Come to find out, that 's their SOP. It 's a major league scam. They now operate XXXX offices in XXXX States. XXXX XXXX is an active, practicing Attorney in the XXXX of CA. # XXXX, admission XXXX XXXX. Interesting, he sues the very people he profits from. In XXXX, Lobel Financial paid {$150000.00} in civil penalties, and {$100000.00} to the XXXX of CA for XXXX and costs. Compare all the complaints with the XXXX, Consumer Affairs, Complaints XXXX, and Debtor 's XXXX, they have a well established, documented theme. They 've acknowledged the problem in numerous complaints but have failed to fix the problem. With him being a lawyer, you would think he would have taken corrective action, but has not. I 'm filing a complaint with the XXXX.

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