milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/24/2016 about Credit card () with PENTAGON FEDERAL CREDIT UNION (PA).
Issue: Billing disputes

Complaint: I cancelled my service with XXXX yet was still charged for it on my Pennfed Credit card. I called XXXX XXXX radio and was promised a refund, but never received it. I then disputed it with Pennfed. I both emailed back and forth with customer service and mailed the form. However, they claim it was never received and would not help me resolve the matter. In this day and age it is absurd that only snail mail is accepted, but that is another issue. I did my part and should have received the protection from Pennfed regarding my dispute. I had a credit line of XXXX. I never paid late. I am/was a great, reliable, trustworthy member. And I was treated with disrespect and offered no recourse for the bogus charge. So, I choose not to pay it was not authorized by me. Now Pennfed has charged fees, on top of fees and reported the negative account on my credit reports as expected. However, I am asking for your assistance in resolving this matter as I do not owe them anything. They should have disputed the charge on my behalf as indicated on my statements.

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 05-11-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company has reinserTed this debt on my credit file after it was previously deleted which is illegal. This account was removed from my credit file with XXXX in 2015 and they have turned around and out it back on my XXXX file without properly notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Settlement process and costs

Complaint: In 2013 I had applied for Mortgage refinancing loan with Wells Fargo. The loan was not approved because of the low appraisal value of the property and so it never closed. 
However, XXXX years later I learned that Wells Fargo had placed a lien on my property even though I do n't have any loans with them I do n't owe them any money. 
I had sent my request and explanation to Wells Fargo ( by fax on XXXX ) asking them to remove the lien from my property and to send me the release letter stating that I do not owe them any money ( which I need to be approved for a home equity loan ) but so far I was unable to get the lien removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Deposits and withdrawals

Complaint: I have had issues with the Chase bank in the past and nothing has been done about it. They now say they can not see the same transactions that I can when I am at my online portal. Just yesterday I made some transactions and has a positive balance of XXXX remaining. Today there were XXXX negative transactions on my account equaling over XXXX. I am not rich and I am honest. The accounting practices at the Chase bank in XXXX are quite questionable. I have been double debited for transactions ... .I have made this complaint within the past 6 mos as I have lost much hard earned money that belonged to no one but me. I am a tax payer and a citizen of this country. I am becoming very frustrated that when seeking assistance with the transactions against my account I am told by the customer service agent at time they can not see what I see .... in the past I submitted a complaint against Chase and all they did was send me their " Forward Facing Documents '' I assure this is not what is exactly going on. I am again out of money they say I owe them ... but I beg to differ their document they sent is forward facing as its what they want the public to think as they are legal in their transactions but I assure you they are NOT! why the customer and their ways, method, excuses and transactions are quite different and certainly not acceptable is what I want to reveal and I certainly want all of my mistakenly overdraft fees, my double debited transaction placed back into my account I have been a customer for past three years and I most certainly want to close out this account as its is bleeding me dry and I am having financial hardships due to this and no one seems to be able to decipher this at all I want assistance and to compensated for my time and financial hardship that this is causing I am nonetheless being forced to close my accounts with this bank and it is quite frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Debt collection (I do not know) with CL HOLDINGS LLC (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a letter from XXXX, agent for Jefferson Systems Collections LLC on XXXX XXXX, XXXX. I subsequently sent XXXX requests for debt verification, the first denied as being received by XXXX and the second mailed Express Mail USPS and delivered on on XXXX and available for pickup ever since this date. Please make note of letter as the is address I mailed validation letter to as it is the address outlined in header. I addition, I also contacted the State of MD to further determine if XXXX was a license collection agency in the state and confirmed that is was not a licensed collector in MD. Convergence, who I contacted via USPS and phone is. However, they directed me to XXXX for follow-up surrounding the status of the debt verification and why they reported a debt that had been requested to be validated. XXXX 's agent who is a licensed debt collector in MD would not assist me or my daughter and frankly gave us the run around. Upon reaching, XXXX via phone, I was instructed that they were a debt collector and they did not have any information surrounding the credit reporting done by them and back dated to XXXX. I receive alerts due to experiencing identity theft and was alerted on XXXX/XXXX/XXXX that a " new '' entry was added to my credit report. As a consumer, I have the right to request validation of a debt within 30 days of receiving notice of supposed obligation, Jefferson and its agent XXXX, denied me my rights and subsequently, I have sent a cease and desist letter, a request for full verification of the alleged debt. Instead, Jefferson and its agent resorted in shady tactics and denied me my right within the first 30 days or receiving a collection notice validation of alleged debt. I have be adversely impacted and suffered.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: APR or interest rate

Complaint: Promotional rate fraud Synchrony Bank I opened a promotional credit account for the purchase of a treadmill. tI paid the exact amount necessary to pay off the treadmill before the promotion expred. The card applied my payments to non accruing interest instead of principal and then hit me with deferred interest charges which exceeded the cost of the treadmill to begin with. I was never notified of any promotional rate expiration as required.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (Credit card debt) with Mary Jane M. Elliott, P.C. Attorneys At Law (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On XX/XX/XXXX, XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX received a judgement against me in the amount of XXXX. On XX/XX/XXXX they requested a Garnishment of my state income tax refund. It has been 8yrs and 5mos, way of the XXXX for the State of Michigan. This has been off my Credit Report for more than a year now. Now my return is being held. 
I will be filing a objection with the state as soon as I receive their notification in the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Mortgage (Home equity loan or line of credit) with Fay Servicing, LLC (LA).
Issue: Loan modification,collection,foreclosure

Complaint: Fay Servicing cancelled the debt on a secondary ( charged off ) mortgage they ( presumably ) acquired from XXXX ( Originally written by XXXX ). Now I am trying to sell the property, and they are refusing to acknowledge they ever held the loan, despite having filed the cancellation of debt XXXX with the IRS. I have called, emailed, sent certified letters and my congressman even called them. I am completely at a loss as to how to proceed, with all the other involved companies out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I made a payment on the due date of my loan. For some reason, there was a technical issue with the company 's website which caused my payment to not go through. Instead of notifying me within 2-3 days of my missed payment, Great Lakes strategically waited until the XXXX of the next month to notify me, causing me a late fee on purpose. They should be required to notify you within 2 days if you miss a payment. This was caused by their system error, not me forgetting to make a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Debt collection (Credit card) with Torriere Holdings INC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I settled with Spire in XXXX and they have not reported my payment to the XXXX credit agencies and this has affected my ability to refinance debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I 'm sick of my credit score changing with each company. Tons of wrong info. Names dates chargers. I want it cleared would love to see a accurate report.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I would like to file a dispute against Experian. I mailed out a letter on XX/XX/XXXX disputing collections, inquiries and information on my credit file. It is now XX/XX/XXXX and Experian has not responded. According to the FDCPA the items I disputed must be removed. I am also disputed 2 addresses they have on my file that are incorrect. 
1. XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX this is a non existing address period that is my home address with an apt number added. Experian remove this false address. 
2. XXXX XXXX XXXX XXXX, XXXX Ohio XXXX I have never lived at this address this is an Ohio address and my home is at XXXX XXXX XXXX XXXX NC. 
I have asked Experian to update my file many times this year to remove the multiple names they have listed for me, just written differently. 
I would like them to only have 2 names which one is my maiden name and the other is my name though marriage, there is no need to have 8 different names of the same name just written in different order. 
Please update my name to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX current and only address need to be showing XXXX XXXX XXXX , XXXX NC XXXX. 
They have also added back a company they removed last year in XX/XX/XXXX which is XXXX balance XXXX, this is illegal. I have attached my credit report I pulled 4mthus ago which shows this company was not on there because they was removed. This is the only collection showing on my credit file with them, because I had to contact them about 2 other collections they removed last year and placed back on my report, which is reflected in the credit report I pulled 4mths ago. 
I have even spoken to a representative to have my name and address updated and was assured it was would be completed. When I sent off my letter on XX/XX/XXXX I asked again to update my name and address, to remove all the unauthorized inquires and requested Validation not verification and I also asked them to removed collections that was stilp showing on my account. I have n't received my response letter and according to the FDCPA the items must 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 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax let my credit report information get stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The hard inquiry on credit report was n't made by me the medical should be off I was on medical

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 04/27/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I received a message from CFPB on XX/XX/XXXX indicating a response was generated on case # XXXX from Wells Fargo Home Mortgage. I received a phone call from Wells Fargo on XX/XX/XXXX stating that there has been no change in status or their position, therefore no resolution. After reporting numerous times to CFPB these responses are not visible on your portal for me to view, & due to the inability to dispute their verbal response online, it is imperative that I file a new complaint. 

Despite several attempts to identify and credit my account for an unapplied payment, even though evidence has been provided, it has been ignored and denied. 

It appears that Wells Fargo performed a blend of Streamline Refinance and Hamp 2 modification on my account, and then changed the account number. The end result was not to my benefit. I was told I was being offered a modification. I signed the modification agreement under duress, even though I questioned the interest rate increase. I have been advised that a Streamline Refinance is not a modification. I have also identified a published Wells Fargo document that promotes the streamline refinance, and it states that if you accept the streamline refinance, the interest rate may be increased. I was told that the rate increase was the only way to get me to affordability, which never made sense to me. I believe I was never considered for or provided a genuine legal Hamp2 modification. I am now being told by Wells Fargo that I am not entitled to a modification ever. 

Information from published guidelines for Streamline Refinance Streamline refinances also come with their own list of requirements, namely that the refinance has a " net tangible benefit. '' In other words, it should help the homeowner, not just put money in the pocket of the loan originator. 
This generally means that the mortgage rate should drop by an amount that will eclipse any related fees, and/or that the loan is converted from an adjustable-rate mortgage to a fixed-rate mortgage. 

In my case, my current adjustable rate was 3.4, it was during a long period of time of very low interest rates, averaging 2.75, & rather than my rate being reduced to as low as 2 % as in HAMP2 guidelines, my rate was increased to 4.125, pushed out for 40 years, and subsequently the monthly payment increased by {$160.00} per month after 1 year, in violation of our agreement. Wells Fargo justified the increase by blaming the taxes and escrow account. The rate after the increase took away the entire monthly benefit of the pretend modification agreement, left me with a higher interest rate, a much higher interest period in the beginning, and many additional years to pay 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 explanation
Consumer complaint received 04-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (VA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: There is a collection ENHANCEDRE company that claims I owe a past due debt to XXXX however this was reported by another company XXXX of which removed it from my credit report with XXXX on XXXX XXXX 2015. ENHANCEDRE does n't have any contact information on XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Cash advance fee

Complaint: I recently closed a Capital One secured credit card. I did so after a minor identity theft issue. Capital One locked my card and told me I had to submit a birth certificate, social security card, XXXX or employer information, proof of address and driver 's license to unlock the card. But given the identity theft I was not willing to do that. So once I closed the account I was guaranteed my deposit ( {$200.00} ) minus and balance on the card would be returned to me ( {$51.00} ) within 3 weeks. It has now been 3 months and nothing. I began making calls only to be told I needed to verify my identity in order to get my money. I even had my bank conference in and tell them it was me, I verbally verified my social, the bank offered to reverse request the funds all of which Capital One refused. They will not release the money until I send one of a kind documents digitally to them.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Debt collection (I do not know) with Delray Capital, LLC (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received a phone call from the following phone number ( XXXX ) XXXX from a woman named XXXX XXXX, she phoned me at my job on Wednesday XXXX XXXX, 2015 about XXXX claiming to be representative of XXXX XXXX which is where I currently bank, she stated that something happened with my account and that was the reason for the phone call. I requested the phone number to return the call and she stated that the call would bypass her secretary and go directly to her. I looked the phone number she gave to me online and found out it is a debt collection agency named XXXX or Del Ray XXXX, so when I called this same lady answered the phone still claiming to be a representative of XXXX XXXX Bank. When I asked her for verification she proceeded to give me my old banking information. I informed this lady that I do not want her to contact me at work again and that I would be reporting her fraudulent behaviors.

Company response to consumer: Closed
Consumer complaint received 06-10-2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Deposits and withdrawals

Complaint: I am not at all satisfied with a response from the bank that says I can expect to hear from them in 60 additional days. They have violated every regulation that pertains to my situation. What the law requires of the bank is 10 days or to give a provisional credit, which they did, however 10 days after that they stole my direct deposit from my employer. Having my money and did n't make good on checks presented whist in possession of my money. The law is clear and I will attach the correspondence I 've had with the bank. How can you allow them XXXX days. Should I hire an attorney? My open case number is.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Mortgage (VA mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (MT).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: The company that is servicing my mortgage, Franklin American Mortgage, notified me today through U.S. mail that they have sold my mortgage to another company, XXXX, XXXX. The effective date of this transfer isXX/XX/XXXX. The date on the notice FAM sent me is XX/XX/XXXX, but the law pertaining to this, 1024.33 ( b ) ( 2 ) ( ii ), states clearly : " ( T ) he transferor servicer shall provide  the notice of transfer to the borrower not less than 15 days before the effective date of the transfer of the servicing of the mortgage loan. '' Having received the notice only today (XX/XX/XXXX ), the transferor servicer did not comply with the requirement of the  applicable statute. The fact that the notice may have been written prior to the 15-day window is irrelevant. Franklin American is required that I have such notice in my hand at least 15 days prior to the change is the relevant factor, and they are not in compliance with the statute. The company had many alternatives to ensure that I received this notification in a timely manner. Sending the notice via overnight mail would have gotten it to me within time, as would them calling me or emailing me. My profile with their company includes all my current contact information, and there is also a message tab on my account where they could have posted this notice. They did none of these things, insuring that I would receive notification late. The timing of this transfer is problematic. I get paid once monthly, on the XXXX. I have set up a recurring payment to come out of my account automatically, but I must cancel these recurring payments several days in advance, and they rarely post to my account until the XXXX, which is the date the notice indicates this transfer will become effective.

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