milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am lodging a general complaint against SLS. Since the first day they began servicing our mortgage, there has been nothing but trouble. ( 1 ) first month 's payment issue-payment crossed with prior servicer-SLS on our back, ( 2 ) Repeated harassment ( several months in a row ) that we did n't have enough insurance on our home ( after repeated faxes to SLS, clearly showing more than enough proof of insurance, ( 3 ) we had just completed a loan modification, only to have SLS increase our escrow amount making the monthly payment difficult to make again ( SLS decided that they were going to hold the highest amount of escrow pad as allowed by the state of California, thereby increasing our monthy mortgage amount ), especially for a customer that worked months to get a loan modification to save their home. ( 4 ) but most disturbing is their collection tactics. They leave a door hanger envelope ( unsealed ) with capital red letters that say " confidential '' ( in an unsealed envelope ). Inside is a quarter sheet of ripped paper that indicates SLS was there to check if the property was " still occupied ''. That is a clear and intentional threat and unfair collection tactic. ( 5 ) One month we called in the payment ( so we can keep track of everything via XXXX XXXX ) and the agent at SLS set-up the payment and confirmed the bank account on file and it did n't belong to us! It was an account with XXXX and we have XXXX XXXX, not even close ( XXXX ) recently, we agreed to a payment plan with SLS to have payments automatically debited by XXXX XXXX from our checking account for the next XXXX Fridays. The agent set up each withdrawl and provided us with a confirmation number. The first payment was debited as scheduled and we received a confirmation letter from SLS that the payment had been processed. Yesterday, we received a reminder notice from SLS that a payment would be debited on XXXX XXXX as agreed but today my husband receives a call from SLS regarding our delinquent account. Frustrated, I contact SLS to inquire as to why they are calling for a status when we had an agreement that was current and valid. ( for the XXXX paymen ). ( 6 ) Today 's call was the last straw and trigger to lodge this complaint. When the SLS agent was researchng why SLS called, he was perplexed by what he was seeing on our account. He said he can see the payments were processed but they have not been linked to our account. I was put on hold many times ( common with SLS ) only to have the agent ask me for my banking information again. There is something seriously wrong here. There are numerous complaints for this company online, with the XXXX and of course CFPB to name a few. I appreciate that SLS may be working with XXXX paper, but that is no excuse for blatant threat collection tactics, repeated banking mistakes, harassing calls and letters etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: While reviewing my XXXX & XXXX credit report, I discovered that CAPITALONE has fraudulently and/or inadvertently initiated and reported a collection action to all the credit reporting agencies. I personally contacted CAPITALONE " DISPUTED THE DEBT '' and advised them that this debt was as a direct result of " LOST/STOLEN ID THEFT '', therefore, that I am not responsible for the DEBT. To this extent, I requested CAPITALONE to validate this DEBT and/or perfect security interest by providing me with a " CERTIFIED BILATERAL CONTRACT '' and alleged unpaid invoices under FDCA. To this date, CAPITALONE has failed to " VALIDATE THE DEBT and/or Perfect any Security Interest '' as required under the law. 
Furthermore, I advised CAPITALONE that fail to '' VALIDATE and /or PERFECT SECURITY INTEREST OF THE DEBT '' as required under the law within 30 days, that they must and are required to cease and desist attempt to collect on an unlawful debt. 
However, CAPITALONE disregarded my request and continued attempt to collect on an unlawful debt without just cause and/or for any legitimate reason in clear violation of FCRA ; FDCA and my PRIVACY RIGHTS. 
CAPITALONE intentionally and purposefully with malice continued total disregard to the law constitutes gross negligence, causing and depriving me access to adequate housing, the ability to secure a meaningful employment and/or obtain new credits.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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 noticed XXXX XXXX on my credit report - I do n't know what this is. I requested validation from them as soon as I saw it, ( send by USPS with proof, attached ). They failed to validate. According to federal law, if they do not provide me the validation information in a timely fashion, they can not hold me liable, especially when I have no idea what it is for. They have not provided it. 

I contacted the three credit reporting agencies. It was removed from XXXX because they failed to validate ... XXXX says they did validate, but they have not done so. 

I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the agency, asking them to validate my debts, and the receipts showing that I sent these letter. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.

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 12/14/2015 about Debt collection (I do not know) with PMAB,LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: i have a couple of accounts listed with your company XXXX for XXXX and another for XXXX that are fraudulent beggining with account number XXXX for both of these accounts they are resulting from my identity being stolen and i have tried everything to get these accounts removed from peoples files and my personal credit report being that they are truly fraudulent i have filed a police report and notarized affidavit as to the theft

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: By law Equifax has XXXX to provide valid signatures on all accounts being disputed. they failed to do so. they now are in violation and will be sued

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit card () with JPMORGAN CHASE & CO. (OH).
Issue: Billing disputes

Complaint: I purchased something with my chase credit card. The merchant charged me an additional {$180.00} without my permission. After speaking with Chase, they told me they would send me XXXX dispute letters to respond to. I waiited for the second letter but it never came. So I mailed the letter back to chase with all of the requested documents. Two days later I received a call from Chase saying the dispute was decisioned even though they did n't have my documents. Chase based their decision off of a verbal promise from the vendor ( who fraudulently charged me ) that their Terms & Conditions allow them to make such additional charges. The Chase representative responsible for the case never even received the actual Terms & Conditions from the vendor, per the representative. The Chase representative said they only sent me XXXX letter, and then changed her story and said they sent me XXXX letters. Then she said I only needed to respond to XXXX of them, but that was only after the fact. Originally Chase told me I would receive XXXX letters and to complete and return them both, XXXX of which was lagging by 4 or 5 days, so I wanted to follow instructions that Chase told me to comply with. So Chase never even gave me a fair review because they never viewed my dispute statement or supporting correspondence documentation. Ultimately I never received my merchandise be the vendor is saying I forfeited the item because I did n't pick it up for 21 days while I was working with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are many inquiries on my credit report that I did not authorize, XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX fromXX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX from XX/XX/XXXX XXXX from XX/XX/XXXX XXXX from XX/XX/XXXX XXXX XXXX has multiple inquiries from XX/XX/XXXX-XX/XX/XXXXThis inquiries were never authorized by me and I would like them 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 explanation
Consumer complaint received 01-10-2017 about Bank account or service (Other bank product/service) with U.S. BANCORP (CO).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016, my wife and I went to the US Bank at XXXX XXXX XXXX in XXXX XXXX, Colorado to open a business checking account. While there we listened to another individual open a business checking account as well. The bank representative was XXXX XXXX. It was initially concerning to hear that the accounts were processed and opened in the commmunity area of the bank where personal information, credit disclosures, and monetary amounts were discussed. 
When XXXX XXXX assisted us, we made it clear we did n't want our personal information openly discussed in this forum. XXXX XXXX apologized, saying he had a loud voice and carried on. During the process of opening a business checking account, XXXX XXXX offered us a business credit card as well ( there is much more detail to this in the attached documentation ). We told XXXX XXXX if there was a 0 % interest offer, we would be interested. XXXX XXXX showed us we qualified for a 0 % interest rated for a period of 12 months and we agreed to sign up for that card. He showed us the dislosure and circled the 0 % interest rate and the business platinum card. 
After opening the account and receiving all of the pertinent information, we left and a few days later received credit cards in the mail for a higher interest ( 18 % ) card My wife contacted the credit card company that issues the cards for US Bank and they told her they provided the cards that US Bank approved for us and if we wanted the 0 % cards, we would have to apply again. My wife emailed the US Bank help email and was later contacted by area VP XXXX XXXX who confirmed he spoke with XXXX XXXX and confirmed we applied for and wanted the 0 % card. After back and forth emails, XXXX XXXX said we would have to re-apply for the 0 % card. This would cause a second hard hit on our credit report and when starting a new business that may later have investors, we do not want to begin with questions about why we applied for multiple lines of credit. This was a bank error and should be remedied by the bank. My wife sent an email asking for guidance and assistance after this and we have received no further response. I contacted XXXX XXXX Sheriff 's and filed a police report sharing the same information with the sheriff 's department. I believe we were misled and treated fraudulently, applying for and being told we were receiving a specific line of credit and later being provided with another. Then the remedy was to re-apply, affecting OUR credit to get what we originally told we were approved for.

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 09/19/2017 about Debt collection (Other debt) with ERC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX has incorrectly placed a collections account for XXXX on my credit report. I have never had an account with XXXX go into collections. No attempt to collect a debt was made and no proof that I owe this has been presented. This is fraud as I have had no debt with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Consumer Loan (Title loan) with TMX Finance LLC (TN).
Issue: Charged fees or interest I didn't expect

Complaint: This Complaint should be read along with my CFPB Complaint # XXXX of XX/XX/XXXX, against TitleMax of Tennessee. Though I stated in my CFPB complaint " Any and all Accounts '', I did n't specifically mention a second loan amount of {$500.00}, TM Account # XXXX. As my current, CPFB XXXX Complaint states I initially obtained a loan of {$1500.00} in XX/XX/XXXX. This second Account/amount for {$500.00}, initiated in XXXX, arose out of money that I had been eligible to accept in XXXX, but did n't take ( only XXXX application ). 
My Complaint with this loan revolves around the same issues as cited in the CFPB Complaint XXXX, above. In addition to it exceeding the State Maximum allowable Interest and Financing Rate, producing blatant XXXX practices, the Predatory Billing illegal practice of not applying the Payments received- to the Principal- Reduction, makes the loan virtually un-payable

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (DC).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: Applied for Citi double cash credit card on XX/XX/18. Received letter dated XX/XX/18 on XX/XX/18 stating " We reviewed your application and can't approve it because we couldn't verify the accuracy of some of the information you provided. '' Called Citi on XX/XX/18 and spoke with representative who told me that they could not give me any further information about what information I provided that was unverifiable. Spoke to supervisor who told me that there was no person who could look into the system and tell me what information was not verified for accuracy. Was not afforded an opportunity to check the information I provided to see if I made a mistake or verify it was correct and look into why their application process failed to verify. Was left with no recourse to correct information so that my application could be reviewed and considered on its merits.

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 09/29/2017 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (MI).
Issue: Trouble during payment process

Complaint: We purchased our home in XXXX XXXX with XXXX XXXX XXXX financing, which, of course, required PMI. Since then, the home has gone up considerably in market value, which, when combined with XXXX plus years of principle reduction, brings us well below the requisite XXXX threshold of XXXX % XXXX to drop the PMI. Per XXXX regs, a new appraisal was required. The servicer, XXXX, through its appraisal management XXXX, sent out the same XXXX who had done the original purchase appraisal. The ensuing appraisal report was chock full of errors, omissions and misstatements of material facts, some of which are a matter of public record, falsified his XXXX certifications, used non-comparable sales data while failing to note significant comparable sales data relative to our house. It is compelling and illustrative of the depth of this XXXX 's XXXX, lack of professionalism and failure to exercise ordinary care. Each appraisal done on our home by this same XXXX contains different and conflicting information. As a result, based on garbage in/garbage out XXXX, the ensuing report grossly understated the value of our home and XXXX denied dropping the PMI. We contacted XXXX to dispute the appraisal and wrote a letter of dispute, supported by additional documentation pointing out the erroneous information and omissions on the appraisal report, the fact that the XXXX has a vested interest ( he is also a XXXX XXXX XXXX XXXX ) in influencing values as well as additional timely comparable sales data ignored by the XXXX which support a market value significantly greater than the falsely arrived at value issued by the XXXX. We, again, requested dropping the PMI. XXXX chose to blatantly disregard the factual and supportive sales data we submitted and again declined our request to drop PMI. Factual errors, omissions and wrongful assumptions and data on the original appraisal report were NOT corrected. They also declined our very specific request to provide detail of who, precisely, was to have performed the so-called " review. '' IT IS PATENTLY WRONG THAT WE, AS CONSUMERS, SHOULD BE REQUIRED TO ACCEPT A DECISION BY THIS LENDER/SERVICER BASED ON A PROVEN ERRONEOUS REPORT. We then sent a certified letter to head of the operations group at XXXX demanding that fresh eyes, higher up the ladder, review this case and approve our request to drop the PMI. Copy of that letter is attached to this complaint. We have not received any response from XXXX since. 

Thank you. 

XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : i contacted them 2 times XXXX/XXXX/2016 & XXXX/XXXX/2016 they never responded to me. 

1. The information is incorrect for the following account XXXX XXXX BANK XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. The information is incorrect for the following account XXXX XXXX BANK XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. The information is incorrect for the following account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. The information is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX 5. The inquiry was not authorized XXXX Account Number : Please remove this inaccurate information from my credit report. 

6. The inquiry was not authorized XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

7. The inquiry was not authorized XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

8. The information is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

9. The information is incorrect for the following account XXXX Account Number : XXXX Please remove it from my credit 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 non-monetary relief
Consumer complaint received 06/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I opened a Chase credit card XX/XX/XXXX with the promise of XXXX SW points. I was recently informed that my remaing XXXX points expired XX/XX/XXXX because I did not have any points earning activity in the past 24 months. However, I do not believe this should have occurred. All of my points came from my Chase credit card and I went back to the terms and conditions of this card. Here is what I was promised in those terms : TERMS AND CONDITIONS : Points do n't expire as long as you have flight or Partner earning activity every 24 months. No Blackout Dates and Unlimited Reward Seats apply to flights booked with points. I had a flight on XX/XX/XXXX. Therefore, I met the first par of the " either or '' requirement to prevent expiration of points. Southwest told me that I needed to have a flight that I paid for with cash, and since I used points to purchase my flight, it did n't count. The credit card terms and conditions do not specify that the flight could not be purchased with points, it merely states that I needed to have a flight. For this reason, my points should not have expired. I would like for Chase to reinstate all of the remaining points ( XXXX ) earned from the credit card as I met the terms of their agreement. If the terms require a southwest flight purchased without points, the Terms and Conditions should specify that. *I attached a copy of the email sent to me by Chase that confirms my points would not expire so long as I had a flight in the past 24 months.

Company response to consumer: Closed with explanation