milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/30/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: The mortgage loan against my primary residence was purchased by PNC mortgage in XX/XX/XXXX. Payments are consistently made and applied against the outstanding balance within the grace period defined by PNC mortgage. However, on and after the XXXX of each month, if the payment has not been credited against the account, automated phone calls begin. These phone calls occur up to XXXX times per day and continue until the payment is credited. When I answer the calls, there is sometimes an automated message and other times nothing and no human on the other end. The recording says, please wait for a customer service representative and then the call disconnects. I also have received calls after my payment has been processed. When this occurs, I contact PNC mortgage and I am informed that a call should not have been made and they do not know why I was being contacted. Furthermore, in addition to the multiple automated phone calls, the payment collection process performed by PNC mortgage is abusive, unfair, and deceptive, due to the continuous phone calls without information or the inability to connect to a representative at PNC. During the month of XX/XX/XXXX, I forgot to transfer funds to cover the bills and my mortgage check was returned. Upon my identification of the returned payment, I logged online and paid the mortgage charge, a {$7.00} fee to make an online payment, and a late fee. 3 days after making the payment I received a certified mail package for early intervention and possible home ownership counseling opportunities. I was not even 30 days late and never received a notice other than, if I do not contact PNC within 30 days from the date of the notice I could face foreclosure. The notice required under RESPA and WA State law allows the lender up to 45 days to provide the notice for early intervention. The context of PNC Mortgage 's notice is not to bring attention but rather, to scare average consumers with the possibility of losing their home. I am current on my mortgage and have never been 30 days or more past due. I did not select PNC mortgage to originate my loan and feel as though I am required, with no other option, to pay for a loan refinance with another lender to avoid PNC 's abusive and threatening tactics. It is clear that PNC is unable to effectively manage their systems and controls to mitigate risk and harm to their customers, many of whom must deal with this poorly operated company without a choice.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: PER MY CREDIT REPORT IT IS SHOWING THAT I HAVE BEEN ATTACHED A BANKRUPTCY THAT IS NOT MINE AND NO EVIDENCE HAS BEEN PROVIDED TO ME. ALSO I HAVE REQUESTED INQUIRIES TO BE REMOVED THAT ARE FRAUDULENTLY PLACED ON MY CREDIT REPORT AND NOTHING HAS BEEN DONE. 
I sent a LEGAL Notarized affidavit to EXPERIAN, disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For EXPERIAN, to Provide physical verification of the original signed consumer contract. I demanded from EXPERIAN to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal.

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 06-07-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I would like a written explanation as to why I am being charged {$510.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Two judgements from XXXX XXXX XXXX is being reported on my credit report. Both have been vacated as they were filed under my name when they belong to a spouse. Due to the company being unable to touch my spouse while on military XXXX they charged these accounts to me. They have both been satisfied and vacated however they still show on my credit report. These do not belong to me. The lease in question was signed without my consent and is not my signature. Please remove these vacated judgements. They were only granted because I was not aware of the proceedings against me as they sent all correspondence to my former spouse.

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 01-06-2017 about Payday loan () with Big Picture Loans, LLC (OK).
Issue: Charged fees or interest I didn't expect

Complaint: This is in reference to Case Number # XXXX. I am adding additional information to my previous case. 

I sent an email on XX/XX/2016 to Big picture Loan and stated I wanted to close and settle the account and have the ACH Debit and Credit authorization stopped effective immediately.After no response for 2 days. I sent another followup email on XX/XX/2016 and I still have n't heard anything and to contact me by email only. My account with BIG Picture Loans is stating that they have been attempting to contact to discuss the loan and that in order to resolve and bring the account current, please contact us immediately at XXXX. I have spoken to the customer representatives to resolve the debt and I have been met with rude and nasty reps and they are telling me a different story. I have made a a total of {$250.00} worth of payments and I still have a large outstanding balance due to the interest and fees that have incurred on the account. I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account.No representative can explain to me the details of the interest which seems to be extremely high. I have attached documentation showing the payment and emails that I have sent to them. This company is Red Rock Lending, It goes and has gone under multiple names, Castle Payday, and has now changed its name to Big Picture Loans. 

Red Rock Tribal Lending, LLC d/b/a CastlePayday.com ( or now bigpictureloans.com ) XXXX, MI XXXX Please help me resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (OH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: History : We are currently involved in a residential mortgage situation that began with refinancing both our residential property as well as a rental home with XXXX the fall of XX/XX/XXXX with a three year ARM. In the summer of XX/XX/XXXX XXXX was purchased by XXXX XXXX XXXX and our servicing agent changed. Our payment went to the old servicing agents address and was sent back to us. The new serving agent began adding late payment fees and would not accept our payment, telling us that we were already in the foreclosure process. We felt that we had no choice but to file Chapter XXXX in the spring of XX/XX/XXXX to stop the foreclosure process and protect our home and rental property. We had our case dismissed in the fall in XX/XX/XXXX. When we received our first communication from the servicer after dismissing our case, we realized that the servicer failed to adjust our interest rate on both properties in XX/XX/XXXX, and that the LIBOR index rates had actually gone down which would have significantly decreased our payments prior to our decision to file Chapter XXXX. Had we known this it might have affected our decision. In addition, the servicer failed to adjust our rate every year after that, and again, the rates have fallen each year. After numerous inquiries, the servicer made the first ARM adjustment in XX/XX/XXXX and even that interest rate was calculated incorrectly. We filed a complaint with CFPB in XX/XX/XXXX for our personal residence ( Case # XXXX ) and our rental property ( XXXX, XXXX and XXXX ). The servicer for our residential property admitted to the interest rate calculation error in their response to our CFPB complaint. 

Current Complaint : Shellpoint Mortgage Servicing has not updated our account information reflecting the servicing error they reference in their letter dated XX/XX/XXXX. We are requesting that Shellpoint Mortgage Servicing provide our correct loan balance. 

Thank you for time and consideration.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This is a debt that is over 6 years and XXXX XXXX XXXX is attempting to collect. This debt is owed by an authorized user and not myself. They have been calling numerous of times on my cell work phone number. I 'm a XXXX and calls like this interrupt my type of work and also put me in danger when I 'm receiving unnecessary calls like this.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Credit card () with BARCLAYS BANK DELAWARE (MD).
Issue: Closing/Cancelling account

Complaint: I received a letter dated XXXX XXXX, 2015 from Barclaycard which memorialized a conversation between myself, Barclaycard and XXXX. The letter from Barclaycard states XXXX canceled my subscription and provided a cancellation reference number XXXX. To date, I have continued to receive erroneous " subscription '' charges on my credit card, late fees, and other charges on the card. I paid off the card to a XXXX balance in XXXX 2015 and yet, each month, additional charges appear on the card under the guise that I am responsible for paying it. I want the account closed and the charges to be reversed since I have not authorized a single charge to the card in more than 5 months.

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 monetary relief
Consumer complaint received 11/13/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX purchased my debt from Capital One in the amount of {$300.00}. The amount that XXXX XXXX XXXX is charging me is {$450.00}. XXXX and I agreed to settle at {$350.00} ( more than I needed to pay ) and I paid it. They cashed a check with an agreement letter attached that states, " Only cash if you agree to delete account permanently from credit reports ''. Since calling to follow up with XXXX they have told me that there is still a balance of {$100.00}, which is completely absurd. This is totally inaccurate reporting and it 's deceitful, not to mention they cashed a check on an implied agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : BK OF XXXX XXXX # XXXX XXXX XXXX XXXX ACC # XXXX XXXX IN ACC # XXXX ACC # XXXXXXXX XXXX ACC XXXX XXXX XXXX XXXX XXXX XXXXI 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX is reporting a closed account as open. The account is a old account and should be removed. 
XXXX charged off this account back in XXXX XXXX 2015 and is reaging this account to show a negative account on my XXXX XXXX reports. Every month they 're aging the account to show a current delinquency on a charged off account. The amount charged off was {$19000.00}. I have tried to resolve this matter numerous times with XXXX to report this properly by removing this account. XXXX continues to inaccurately report data on a charged off closed account by reaging it. This is a violation under 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 05/14/2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (IL).
Issue: Application, originator, mortgage broker

Complaint: I have a HELOC with Chase in which the repayment period begins in XXXX 2015 ( from interest only to amortizing ). Chase sent notices a year prior to maturity which is appreciated. My payment will more than double. I have attempted to be pro-active and have tried to refinance my HELOC. Since the value of my house is approximately the same as the balances of my XXXX and HELOC, Chase and other lenders can not assist. My credit score and DTI are very strong. Chase offers mods but only if there 's a financial hardship and it will adversely affect my credit score. I would like to refinance both my XXXX and HELOC and lower my potential payments.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2015 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Closing/Cancelling account

Complaint: On XXXX XXXX, 2015 I made a payment of {$130.00} through the automated system for my Dillard 's American Express credit card. The system prompted me asking would I like to use the current checking account information on file ending in, XXXX XXXX XXXX XXXX, used for the last payment. I stated yes, and the system asked me to hold while it processed the payment. I received a confirmation number afterward. In XXXX, 2015 I received a notification stating due to nonpayment my account had been closed. Unbeknownst to me I had not be contacted before this letter. I immediately called Dillard 's, they transfered me to a Wells Fargo representative, XXXX. He informed me, after reading my entire checking account number aloud, the system only captured the XXXX digits of the checking account number and the payment sent was returned. I informed him that this account has a five year non delinquency history, also the credit bureaus report that a history of my on time payments as XXXX of the things helping my FICO score, and based upon the information he provided reporting this as a delinquent account is inconsistent with my credit history. He informed me that this was a system error and could be fixed, however the account could not be open again. Nevertheless, to no avail over the course of three months I have disputed this matter with Dillard's/Wells FargoXXXX which I 've been told that I did not input information into the system correctly, although the payment was made through the automated system in which a confirmation was given ; also with each of the XXXX credit bureaus as well. I am appalled at the lack of responsibility Wells Fargo has taken in correcting a mistake made in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Credit card () with U.S. BANCORP (NJ).
Issue: Customer service / Customer relations

Complaint: US bank is marketing and selling its XXXX perks travel rewards credit card with a lot of benefits. However, I have this card for more than 33 days now and I absolutely have no access to their promotion site and the offers they are marketing. I have been lied and cheated muitlple times by the customer care. Sometimes, I have been told that the offers are not for everyone but when I insisted that the credit card benefit booklet I received mentions all these offers and there is no targeted offer clause. Then, I was transferred to different departments and this has been happening for more than a month. They tried to plead me with XXXX points and told me that I will have access to the benefits after my first billing cycle. However, I am still struggling to even find out what my card offers. The customer service says it 's a technical issue and technical team says they never heard of this site before. This site is mentioned on every page of the booklet sent to me by the bank. It 's 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 08-03-2016 about Debt collection (Credit card) with CITIBANK, N.A. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt collection law firm, sue me and won the case. My wages were garnished for 1 1/2 years, I believed ending in XXXX 2016. On XXXX XXXX, 2016 my wage garnishment started up again. I contact my employer and they said that it was sent a letter of an adjustment of my balance. The total amount that I owe in the lawsuit was {$10000.00} and my employer said that it was the same company that is taking the garnishment again. I contacted the XXXX XXXX XXXX and I was told that it was fees and that my employer may have thought they have collected the total amount. I asked them what the amount was for and they just told me fees. The original amount of the lawsuit was paid off and they are now collecting more money for fees that was not on the original lawsuit amount and did not sent me notice or information on these additional fees of {$1000.00}. I have try to contact them and leave messages, but they have not contact me back. I have originally talk to representative name XXXX regarding the situation. He told me to call my employer about the start up on the garnishment, but my employer said that it was XXXX XXXX XXXX that reissue that paperwork to my employer. I believe they are illegally charging fees on top of fees that are out side the lawsuit that was paid out. I have not contact a lawyer, but would like my money back for the garnishment they are taking out of fees that they did not disclosed to me. I believe if they are doing this illegally to me that they are doing this to other consumers.

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 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL 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: Over the past Two years, I have sent approximately ( 5 ) certified letters to XXXX in regards to an unverified derogatory account listed on my Credit Report ( Ally Financial # XXXX ) Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that XXXX disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that is reporting in my credit report. XXXX has responded to my request by saying that these accounts have been verified. XXXX has not sent me copies of the documents that they have in their files that were used to validate these derogatory accounts. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties are damaging my reputation and credit worthiness .... I also sent certified Debt verification letters to Ally Financial # XXXX however I never received a reply back. XXXX have ignored my request to provide me with the documents that their company have in their files that is used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I have sent certified letters asking XXXX reporting agency to VALIDATED these accounts with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL.

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