milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/18/2017 about Mortgage (Other mortgage) with Home Loan Center, Inc. (MI).
Issue: Application, originator, mortgage broker

Complaint: Let me say first that I have already checked and AM COMPLETELY ELIGIBLE FOR THE HARP LOAN PROGRAM.   With that said : I was looking for information on the HARP loan program. I was on an advertisemtment page this page :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   reading information about HARP. The link on this page took me to this page :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   The HARP Program is being used to BAIT PEOPLE where their true motive is to write VA loans.   This advertisement is both misleading and  FALSE ADVERTISING. I n addition they used my information to do a HARD inquirey on my credit record. I ONLY authorized them to do a soft pull for purposes of using the information for HARP.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MS).
Issue: Loan servicing, payments, escrow account

Complaint: Complaint # XXXX JP Morgan Chase Holds Homeowner and Her Home Hostage Homeowner urges Consumer Financial Protection Bureau to contact Corporate Office at : JP Morgan Chase Corporate Offices, XXXX XXXX XXXX, XXXX XXXX NY XXXX Be it known, homeowner, XXXX XXXX XXXX XXXX, has NOT received any cooperation from JP Morgan Chase since her first complaint to Consumer Financial Protection Bureau. JP Morgan Chase continues to hold homeowner and her home hostage by fraudulently manipulating their accounts, figures, dates, data and documentation. 
Please see attachment : " Complaint # XXXX JP Morgan Chase Holds Homeowner and Her Home Hostage '' as this description is rather lengthy.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I ordered a living room set sofa and a loveseat from  XXXX  i never received the items from  XXXX . Capit al one credit card charge my account. And when I call Capital one  concerning the issued they never resolve the problem. But when I talked to  XXXX  they say the already refund the money to capital. But capital one still refused to give me my money back to my account. My credit line is {$2800.00} but capital  one  just increase the charges on my account now my account is {$4200.00}. That is why I 'm reaching to you guys to resolve this problem for me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Bank account or service (Checking account) with PNC Bank N.A. (VA).
Issue: Account opening, closing, or management

Complaint: I opened checking account with PNC financial in 2007, which was free checking with no minimum balance requirements. I donot keep too much money in this account. every year or so, PNC bank keep changing the terms on the account, I find out about when my balance is decreasing because PNC keep charging {$7.00} fee. Sometimes PNC credits those fees automatically but now My wife went to the branch and was misinformed that this virtualwallet account will solve her problem of having to pay fee because of low balance and was changed into virtual wallet account which has excessive fees and now I am told that if i close in 60 days, there will be fee charged. I have lost money by keeping in the PNC checking account and PNC bank does not want to return my account balance to amount before PNC started charging fees. 
I have called and filed complains with PNC and everytime I inquire, i m given complain # but nothing gets done in fee escalation department. I am given some claim numbers like XXXX and XXXX. When I called this fee escalation department, after talking to XXXX and XXXX XXXX ( supervisor ), It sounded like that PNC does not take these fee complaints serious and donot want to resolve consumer complains by saying Pnc bank is entitled to charge these fee and account balance is not under FDIC protection when fees are charged.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Credit card () with PAYPAL HOLDINGS INC. (VA).
Issue: Credit determination

Complaint: On XXXX XXXX 2015, Paypal Credit conducted, without my authorization, a hard credit check on my credit card account and reported this check to XXXX XXXX on XXXX XXXX 2015. I did not verbally or in writing do a PayPal Credit application. I did not contact Paypal Credit for a new card. I did not contact Paypal Credit for a new credit limit or a different interest rate for my existing PayPal credit card account. I tried, unsuccessfully, to resolve this with PayPal Credit by phone on XXXX XXXX. I have sent PayPal Credit a letter demanding that they provide me with proof of my authorization to conduct a hard credit check on my account -- which is good standing. It is my understanding that if I did nothing to merit such a credit check that PayPal Credit must legally take action to have this report removed from my credit record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-07-2015 about Debt collection (Credit card) with Credit Card Receivables Fund Incorporated (CO).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have XXXX different men show up at my residence harassing me after business hours. The nights of XXXX/XXXX/2015 and XXXX/XXXX/2015. They have both attempted to " serve '' me with fake court documents that were not sealed or delivered properly.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (HI).
Issue: Loan servicing, payments, escrow account

Complaint: My loan payment was adjusted by my lender due to a new escrow account analysis. I did not receive this analysis or notice of the new payment. My payment history is excellent. My normal payment was made in XX/XX/XXXX but was less than the new payment amount so the lender put it into " unapplied funds '' and sent me a delinquency notice. I promptly made an additional payment and the account is now current. My request for refund of late charges and interest has been denied.

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 07-12-2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Account Resolution Services has listed an account on my TransUnion credit report stating I owe them money from XX/XX/2011. 

This debt does n't exist. I do n't owe the Dr. office any money they are " supposed '' to be collecting for. They are trying to collect on debt that does n't exist. 

Also the Statute of Limitations in South Carolina for open and written contracts is 3 years. This non existent debt is pass the statute of limitations. Plus it does n't exist in the first place. 

Account Resolution Services is in of violation the Fair Debt Collection Practices Act and in violation of the Fair Credit Reporting Act for actively trying to collect on a debt that does n't exist and actively trying to collect on a debt that is pass the Statute of Limitations. And for knowingly and willfully listing inaccurate information on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (MD).
Issue: Taking out the loan or lease

Complaint: my XXXX loan was with consumer portfolio service. CPS stop taking monthly pymnts from me and forward the account to collection who demanded {$10000.00}. i filed a complaint via better business bureau, CPS then stated i owe {$7000.00} but will settle for {$3000.00}. i then tryied to trade the vechicle in but CPS now went back-up to {$7000.00}. CPS solded the account to an outside co. [ als resolvion ] to whom pick-up the vehicle. My vehicle was paid-off and CPS was collecting late fees from me, but stated i still owed on the vehicle. Please Help now that they have the vehicle i want to be cleared of that debit because they will sell the vehicle for more then it is worth.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (NY).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I went to XXXX XXXX onXX/XX/XXXX to refinance my house so that I can buy and investment house. I gave them all document they need. the same day they ask for it the got in with no delay in my part.

I told XXXX I had closing date was lawyer gave was XX/XX/XXXX with a 30 days more I extension which dateXX/XX/XXXX. I saw that we were getting close to the date, so I call XXXX and he telling me I had a modification loan years ago ( this was another night mare ) and it came up in the title and that I had to pay that back. Well XXXX knew this from the beginning. So the went and modified the problem. then started delaying more and more passing both closing estimated date. With no return calls and any feed back. I call branch manager and gave me attitude like I was wrong the nerve. I call and told them they need to call my lawyer for extension. They call my lawyer office and told them they need extension because I did want to close with the 6 % the were offering.

This is all a lie first they gave me a rate for refinance 4.1 and investment home 5.0 and I was ok with it. I then figured out the game they wanted to wait to rate goes up so that the can make more money off me.

Wells Fargo is the worst bank I dealt with, I need someone to investigated my account since day one I open a mortgage XX/XX/XXXX and to investigate the transaction that happen recently on XX/XX/XXXXto 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 explanation
Consumer complaint received 11-01-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (CO).
Issue: Struggling to pay mortgage

Complaint: I am currently 90 days behind on my mortgage and have been attempting to reach a Loan Care loss mitigation specialist for 30 days. Loan care put me in a repayment play that I was unable to maintain. When I attempted to call I was hung up on multiple times. I called on XXXX at XXXX pm. XXXX at XXXX, XXXX at XXXX. and XXXX at XXXX. each time I was placed on hold and disconnected. Today I submitted a 21 page fax to their loss mitigation fax line as the only two ways to send it is via mail of fax. I included my pay check stubs, lease agreement, proof of other income including child support and Notary work. I also included the expense form and complete application and letter of explanation. I tried to log into the company website today to make a payment but they have cut off my access to do so. I need help reaching a person to work this out. I have consulted with a XXXX attorney and will be filing a XXXX XXXX if they are unable to help me save my house. I reviewed the FHA modification information and I qualify for a modification but I am angry that they keep giving me wrong information.

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 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IA).
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 received a copy of my credit report from Experian and per review, a stated public record is listed to my report for Bankruptcy. I sent a disputed this with Experian XX/XX/2018 requesting an investigation for state public record listed to my report. I requested Experian Credit Bureau to provide me with copies of all documentation associated with these accounts and Public Records accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " PUBLIC RECORDS '' needs to be IMMEDIATELY DELETED from the credit file they maintain under my name and social security number. Their reply stated, Verified. Not only was there not an investigation, they did not comply with the FCRA Law to furnish to me the original documents bearing court order or my signature. I also, received a letter from U.S. Bankruptcy Court of Iowa stating The U.S. Bankruptcy Court does NOT report information to any credit agency. '' I am aware that this would be a direct violation of the Privacy Act. Experian is not only in violation per FCRA law, but they continue to attempt to verify said information through a Third Party that I did not give consent to place to my report if so. I am requesting an immediate removal of public record information of bankruptcy and any accounts to my report referencing Bankruptcy information.

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 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been disputing XXXX XXXX XXXX my credit report and it keeps coming back as verified. I have not received anything in the mail asking me to verify anything. The account is not mine. I'm only XXXX and it looks like it could've been opened when I was XXXX according to the open date. Either way the account does not belong to me. I've never had a credit card in my life. How can they just give credit to someone without verifying that it is the correct person. I need this deleted immediately, it is affecting my credit in a tremendous way. It needs to be deleted from all 3 credit bureau. Thank you.

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 02-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I have been deniged credit cards throw XXXX card company and XXXX card company and XXXX   card company and XXXX XXXX company for XXXX years now ( only pre-paid could I get ) You have a XXXX states fraud scams using my documents and a XXXX  states business permits scams listed frauding my documents XXXX  states products frauding my documents as food and clothing and shelter like homes and RVs and then as topical maps for sinage Fashion show fashion industry frauding my documents Government business permits scams frauding my documents Frauding scams using singers and bands and actors frauding my documents Frauding scams using my documents as attorneys and lawyers and judges and law partners Frauding scams using my documents as politican listings Frauding scams using my documents as banking business permits scams Frauding my documents as herds of XXXX listings Frauding my documents as sports players and sports permits Frauding my documents as dictionary companies term 's and dictionary products Frauding my documents as auto stores Frauding my documents as a boat XXXX Frauding my documents as XXXX states diner menus Frauding my documents as XXXX  states grocery store products Frauding my documents as advertising Frauding my documents as accountant and CPAs Frauding my documents and books and book authors Fraud scams using XXXX pages Frauding my documents as auto repair.. frauding my documents as RV products using XXXX. frauding my documents as theater groups Frauding my documents as XXXX trucks Frauding my documents as XXXX families Frauding my documents as XXXX families Frauding my documents as XXXX families Frauding my documents as corporation Frauding my documents as XXXX XXXX Frauding my documents as international business permits scams Frauding my documents as XXXX XXXX scams and XXXX business permits Frauding my documents as XXXX XXXX scams and business permits Frauding my documents as reality agents and offices Frauding my documents as banking business Frauding my documents as furniture store and bedding products

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXX I submitted disputes to Equifax, XXXX, and XXXX. XXXX  responded with stating an investigation was started but never followed up with the investigation results, no response from Equifax or XXXX. On XX/XX/XXXX I resubmitted disputes to all three agencies with the same response from XXXX and a response this time from XXXX saying that an investigation was started. This violates the FCRA in that the FCRA provides a 30 day window in with to respond to disputes. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or the accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer I request all disputed items be immediately removed from my credit reports. I intend to enforce my rights in court for damages resulting from your late of action ...

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax and experian should remove this account until a judgement is entered against me that I owe the debt.

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 06-03-2015 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (CT).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, I am having an issue with my mortgage bank. Basically what happened was last year my loan was sold to Freedom Mortgage Bank. The bank lowered my mortgage payments by {$200.00}. I had called few times and asked why and they explained to me that my property taxes went over {$2000.00} down a year was little confused about it so I had called again and different represanative told me the same reason. I did n't believe that property taxes can go down so much, but I did n't know what else to do so I believed them. This is my XXXX home so I am really new at this. Now a year later they sent me a letter stating that my escrow is over {$4000.00} short so they want me to pay for it. I had tried calling them and they are giving me lot of runs around and no one i willing to explain to me how they made this mistake and why do I have to pay for their mistakes. I had tried to get help by contacting my town hall tax assesors, counselor for my district, even the loan officer from previous bank before my loan was sold and no one is able to help me. I just want to know if there is anything that could be done. I honestly do n't think that this is right. It was their own big mistake and now there are trying to make me pay for it. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Federal student loan debt) with ConServe (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This Debt collector : Conserve is not licensed in Texas. 
They are based out of NY.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: 16 listed Florida scams frauding my birth certificate of XXXX XXXX XXXX of XXXX XXXXXXXX Indiana of XXXX XXXX frauding also my parents marriage and divorce records which are white documents and serial numbered documents and mom is decest of XX/XX/ No fraud is authorized There frauding scams frauding my documents frauded my national security clearance data and va mail and Indiana social social date and insurance policies and finger prints cards and FBI back ground checks and medical records and passport data ext my police files and commodity broker career and IRS records and mail and family marriage and divorced record and banking data which I was shoved out for 18 years and always a turn down by bank 's for me for credit and credit cards and loans and also refusal to pay my insurance when I was robbed,

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 04/16/2018 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: Their investigation did not fix an error on your report

Complaint: I have sent the credit reporting agencies multiple letters about inquiries reporting on my report without authorization from me, I have tried to contact the company as well with no success. I have uploaded the letters that was returned to me due to vacant property, FTC REPORTS ALL COMPANYS AND CREDIT REPORTING AGENCIES MUST BE IN COMPLIANCE DISPLYING ACCURATE INFORMATION.

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