milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-07-2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (CA).
Issue: Settlement process and costs

Complaint: In XXXX JP Morgan Chase appraised my home at a little over $ XXXX. The first lien was $ XXXX with XXXX XXXX XXXX. Chase granted a line of credit for $ XXXX, interest only loan, at a variable interest rate, with a payment of about $ XXXX/mo. So, now I had a second lien, making the total of both liens $ XXXX. As the end of my term was approaching, in XXXX, I wanted Chase to refinance the LOC into a fixed rate, conventional loan. Chase claimed my home was no longer worth $ XXXX and that I was upside down in equity. MY new home value was estimated at $ XXXX. I was stuck with the interest only loan. Chase said they could n't help until I had 20 % equity. I received a letter stating the payments would increase from {$480.00} to {$1800.00}. I asked if they would consider deducting all the interest paid to date, which was about $ XXXX at the time. This would give me the room I needed to refinance. They refused and suggested I modify the loan. But I could n't modify the loan without modifying the first lien with XXXX XXXX XXXX. XXXX was not a problem loan - it was a fixed rate conventional loan. Nevertheless, they were willing to refinance under HAMP but i could n't get rid of Chase and combine the loans because, again, the home value was too low. Chase forced me to pay a {$300.00} fee to allow XXXX to modify. After closing on the HAMP, Chase was willing to modify the LOC. Here comes the worst part! In order to have affordable payments and not lose my home, I agreed to the one option Chase offered ... .. Another LOC at $ XXXX/mo, interest only ( again ) payment at a fixed rate for FORTY YEARS. I will have paid in full by year XXXX, at the old age of XXXX years old, according to the loans docs. I will have paid more than double the original amount of the LOC, if I live that long. I have been cornered, bullied, taken advantage, and misused. While many have had their debts forgiven, I have been forced to accept their loan. All the while, never missing a payment on any of the home loans. I ca n't refinance, I have no equity, I have been paying on a LOC that basically has the same balance due from when I first received the loan. 10 years later, I still owe $ XXXX. 
What do I want? To date, $ XXXX in interest has been paid to Chase. I want that amount deducted from the loan. This would give me the 20 % equity that I need to refinance and merge both the first and second loans at a affordable payment. I want a conventional fixed, low, rate. I do not want the deduction to negatively affect my credit. A negative would put me back into the same bad situation, not allowing for me to refinance. Also, I do not want the deducted amount reported as added income to the IRS. The amount I am requesting is not a forgiven unpaid balance. It is the amount I PAID in full. 
Any help you can offer would be Heaven sent. Thank you for your intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello, I have contacted Experian several times about the non- factual inquires located on my credit report. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Also Experian has had several glitches which is where the mix up with these accounts came from being on my credit report. aS YOU WILL SEE MOST OF THESE ARE DUPLICATES. REMOVE ASAP Please contact the companies below and investigate such occurrence. Also, the accounts listed have also been deleted by Other Credit agencies, please follow suite and delete these immediately. 

As part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

Please delete these non-factual records off my account immediately. 
ACCT NAME INQUIRY DATE XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/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 non-monetary relief
Consumer complaint received 10-03-2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Account opening, closing, or management

Complaint: A fraudulent marketing firm asked me to be a mystery shopper. They gave me a check to deposit in my account to cover my activities on their behalf. I deposited the check and waited for the check to clear. I checked with Suntrust on whether the check had cleared on the XXXX of XXXX in person. At that time they up sold me on a credit card and did not recommend any action on my part. Then I called a week later, the marketing firm was asking me to complete the store evaluation, suntrust 's person on the phone told me my account was being closed. At the time I had {$1300.00} in the account. I did not understand. I recieved a form letter that said the check was being held pending investigation and my account was frozen because the amount of the check was greater than the amount in the account. I tried accessing my account online and it did not exist according to the Web site. On the XXXX they sent the check back and charged me a retuned check fee and an overdraft fee. I had not removed any money from the account. XXXX XXXX I received a check in the mail for $ XXXX {$48.00} I went into the branch to find out what was happening and they cut up my debit card and said they were severing their relationship with me. This is while I have a credit card with them and an unreleased mortgage. They foreclosed on my house after refusing to refinance and refusing to modify after I paid the mortgage for a year and a half while unemployed and under employed and maintainted the mortgage on another home. I was homeless and living in my car while paying them. I was working and earning {$3300.00} per month while the mortgage was {$2600.00} and condo fee {$460.00}. that is a whole other story. It is just to say that my relationship with suntrust has been too long and they have made my life more difficult and I just feel like they messed with me again and stole {$36.00} dollars from me. They sold my house out from under me and have not released the debt because the worth of the house was more than my remaining mortgage and $ XXXX more than they sold it for. I have no idea how to get rid of this albatross. I would like to sever my relationship with them but I do not know how to do it. Really from this interaction all I want is my overdraft fee back and the credit card request off of my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
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 multiple dispute issues with Experian, XXXX and XXXX that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX V XXXX XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to Experian, XXXX and XXXX ( below ). Due to the fact that these accounts are reporting inaccurate and have not been verified, corrected or deleted, they must be removed immediately from my credit report. 

Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? Congress states in XXXX v XXXX XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

XXXX XXXX XXXX You need to delete this account because its reporting so inaccurately, that I have no clue how its still on here. You didnt verify, correct or delete it, the issues are still there and you need to delete this immediately. 
Limit : Experian $ XXXX/XXXX and XXXX {$0.00} Past due : Experian and XXXX $ XXXX/XXXX {$65000.00} Experian shows that I paid on time for XX/XX/XXXX an yet you show that I was late! How can that be? 
You are also still reporting late payments that make no sense! You state that I was late in XX/XX/XXXX, and XX/XX/XXXXand XX/XX/XXXXor XXXX while XXXX clearly shows that I paid on time. Delete this account at once! 

XXXX XXXX XXXX You need to delete this account because its reporting so inaccurately, that I have no clue how its still on here. You didnt verify, correct or delete it, the issues are still there and you need to delete this immediately. 
Limit : Experian $ XXXX/XXXX and XXXX {$0.00} Any correspondence received to and from you will be made available to my attorney as well.

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 03-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Perfection Collection (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A claim was filed on the original creditor XXXX XXXX for breach of contract, the vendor agreed to settle the dispute for {$240.00} per the resolution terms through the XXXX. Perfection Collections provided no written notice that this was referred to their offices. I learned of the issue because of credit file alert on XXXX/XXXX/16. I contacted the debit collection agency to try and get information. I was accused of ignoring the debit and not paying my bills. The operator XXXX XXXX was extremely unprofessional and he pushed my buttons. I was ultimately able to learn that debit was reported for {$1800.00}, not the original settlement amount of {$240.00} to end the contract. I also learned that that XXXX XXXX provided them with an incorrect contact information. This was the original reason for the breach of contract with XXXX XXXX. This is not the first time that this company has referred this issue to a debt collection agency after settling the debit through the claim with XXXX. 

I will obtain a copy of the filing with XXXX ... this can be supplied at a later date.

Company response to consumer: Closed
Consumer complaint received 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I paid my account every month using my banks on line system. Every month i got notice that they received my payment but one month we got notice 30 days later that they never received my payment and they were going to report it as a 30 day late account. I have tried to work with them to get it removed since it was not my fault but they refuse to.

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 12/19/2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH).
Issue: Account opening, closing, or management

Complaint: First Merit Bank is harassing me now because I previously filed a complaint against it with the CFPB. Earlier this year I closed my account with First Merit Bank. I also filed a complaint with the CFPB because the Bank erroneously and fraudulently kept part of my balance. Because of my complaint, the Bank gave me the monies due me. Now, on a letter dated XX/XX/2015, the Bank writes that my CLOSED account was overdrawn on XX/XX/XXXX. Because the malicious and fraudulent action by the Bank to make my CLOSED account overdrawn LONG AFTER it was closed, it is reasonable to conclude that the Bank is RETALIATING against me. The Bank, by its malicious actions, is now ruining my credit history, which was perfect without any overdrawings while the account was open.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Bank of America, Your company has been falsely reporting three accounts that are due to identity theft. A mortgage loan, home line of equity, and a personal credit card through your bank. I had started to dispute these items once i saw them on my credit report after obtaining credit after turning XXXX years old. As of XX/XX/17, Bank of America, has resolved my disputes against these claims of identity theft and has cleared them off my XXXX and XXXX report. These accounts are under a different name, with my SSN, opened years before I had turned XXXX. BOA seems to have noticed the inaccuracies since they were deleted off XXXX CRA 's, but XXXX is still reporting. I disputed the Line of Equity and Mortgage that remain on my XXXX credit file on X/XX/17 only to be contacted by BOA saying the accounts are accurate. When I call BOA the fraud line representative advises there are no accounts anymore with my SSN in the system. Which is why he advise I dispute, and the accounts should come off since they are not in the BOA system anymore. However, after I disputed again they 're verified somehow and being reported still as fradulent and whenever I dispute the claim comes back as " remains '' on report. I have sent in my police report, SSN, CA drivers license, and proof of identity. It seems BOA acknowledges that these accounts are not mine but will not remove them from reporting to XXXX only. XXXX advised me they have not received any updated reporting status to delete these accounts, and BOA is still reporting as OPEN.

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 04/25/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery Services used unscrupulous and deceptive practices to try to collect a debt. 
1. Unending calls even after I advised them to stop calling. One call came while I was in hospital being treated for a serious illness and the collector would not get off the phone. 
2. Debt collector fail to provide details and proof of debt even after being ordered to do so by the court. 
3. The collector intentionally shared misinformation about a continued court date, which I relied on and they showed up to court and secured summary judgement. 
4. Debt collector failed to negotiate in good faith. We made an offer, under duress, in the hospital just to make them go away. And they responded affirmatively with a letter that quoted an offer which was three times the amount that I actually offered. 
5. Debt collector continued to pursue action even though they were advised that the debt was not mine and further that I had retained counsel for the purpose of bankruptcy in XX/XX/XXXX and they refused to contact her. 
XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Vehicle loan or lease (Loan) with BB&T CORPORATION (DC).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I n  XX/XX/XXXX  I purchased a  XX/XX/XXXX  used  car from  XXXX   XXXX . Due to my credit situation at the time, I was charged 24 % interest on the car loan. Fast forward to to day,  XX/XX/XXXX , and I still  owe the same amount as I originally fi nanced  XX/XX/XXXX  ( yes, that is after 7 years of payments ). I have been to several car dealers (   XXXX ,  XXXX   &   XXXX   ) and every  time we try to get a straight answer about my loan we are told different stories, with no proof provided by  XXXX   XXXX . After attempting to trade the car in ( to no avail since  XXXX   XXXX  was saying that I still owed  XXXX  after 7 y ears ), I let the m repossess the car, due to the frustration of still paying a note with no " pay down '' value. Now, as I am trying to get another car, even though I do not have the car ( I have proof that the car was reposed )   XXXX   XXXX   is holding up the process by not " selling the car at auction '' and not saying they have the car so other lenders want me to produce the car. My credit is tanked as a result and I still do n't have a car.

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 06-11-2015 about Debt collection (Auto) with Frederick J. Hanna & Associates, P.C. (closed) (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Transferred XXXX said monies into market rate account. Frederick Hanna garnished XXXX funds. Said funds were unprotected. Only income is XXXX funds. XXXX XXXX. Court date XXXX XXXX, 2015 @ XXXX am. Help. Bank said funds do n't have to be protected once once removed from checking to market rate account. {$200.00} left in Checking Account. {$120.00} Garnishment Fee taken by Bank also. Phone ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2016 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: PNC bank debited my home equity account and did not pay off the other loan. 
It 's been a month now and I am stuck paying interest on XXXX {$25000.00} Home equity loans. 
They still have not paid the XXXX the amount they stated they would pay in XXXX this year. They insisted they paid but would not provide me with a receipt of payment. There are emails where I asked for proof of payment and did not ever receive a reply. Also recorded phone call by PNC bank. 
They also refuse to credit me for the months worth of interest I paid last month.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Settlement process and costs

Complaint: Regarding my complaint # XXXX. I have been informed that Wells Fargo Mortgage has once again requested an extension of their deadline to repospond to my complaint. The CFPB must do a better job of protecting this consumer. For more than XXXX years I have attempted to get details on a charge called " Unpaid second principal balance ( of ) {$7800.00} attached to my mortgage modification. And, for the second time, they are representing that they have to do " more research '' of their closing documents to determine the reason for attaching this charge to my modification. Wellls Fargo 's Mortgage department must be held to a legal and reasonable standard of consumer lending disclosure and transparency. Either there is a closing statement that discloses the details of this charge or they are attempting to further delay any resolution in hopes that I will drop my complaint ( s ) .This past and current conduct in responding with detail to the CFPB and me is tantamount to consumer fraud and must be addressed forcefully and quickly. That is the charge in the CFPB legislative authority and the public deserves better. I expect a more timely resolution to this complaint. ( The several Wells Fargo employees who have responded to my question in the past month are : XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX and SVP XXXX XXXX by mail. ) Thank you, 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 05/13/2015 about Credit card () with CITIBANK, N.A. (AR).
Issue: Other

Complaint: My wife and I applied for a construction loan last year and when our credit was pulled it showed that I was an Authorized signer on her credit card account with Citi. We have called multiple times, faxed letters requesting that they remove there false reporting 's from my credit. I started this in XX/XX/XXXX and in XX/XX/XXXX they agreed to remove me as Authorized signer, but will not fix my credit. I have never had a credit card with Citi and would really appreciate it if you could resolve this problem. I give you permission to contact my wife XXXX XXXX in this matter as it is easier for her to receive calls and emails due to her work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/24/2016 about Debt collection (Medical) with RMB, Inc. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been making payments to the hospital every month I have proof! They have collected almost XXXX from insurance and I 've paid over XXXX and they still sent me to collection. I 've received 17 phone calls in one morning! What should I do? I 've been paying the hospital directly

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (Credit card) with Trident Asset Management, L.L.C. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Trident Asset Collection Agency placed returned checks into the wrong category. They were entered as if they were revolving accounts ; in which, payments were assigned/ made on a specific date or cycle.

Company response to consumer: Closed with non-monetary relief