milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: As of know PennyMac has not send the payment for my property tax. I keep calling the Bank to inquiry about the payment and nothing has been done to resolve the problem. They claimed that they did a wire transfer on XXXX XXXX, 2016 for the amount of {$2300.00} but when I called XXXX XXXX County to check on my account they told me that they have not received any payment. I do n't want to be held responsible of the late payment. If the bank sent the payment late they should be responsible of the late charges. Also, I need to know where is the payment and the date they send the payment? Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I owe a balance to Bank of America and I have been paying more than the minimum due amount for the past 2 months. The amount showing in my credit score does not reflect the amount that I actually own the bank.

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 10/14/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Deposits and withdrawals

Complaint: I was scammed by a person offering work as a private driver, the person sent me a check for my name, I deposited in my account and the next day was the money in my checking account. I withdraw the cash the next day having deposited the check, and made a cash deposit money gram. 6 days after I check my bank account and I get $ XXXX. I check and he says the check was returned. I went to the bank to see what has happened and the only thing they told me is that the check was fake. The problem is that my bank charge me a fake check which they should have checked before giving money, because if the bank checks before the check is false and sees none of this would have happened.I help me see that I can do with the bank. What steps to take. Since I made the police report and I nummero report. Prompt response and hope to have the urgency I run out of money. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Checking or savings account (Checking account) with PAYPAL HOLDINGS INC. (OK).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: PayPal has three accounts with my name and telephone number. 
One was closed without my permission and without removing my phone number. Another was created without my permission but includes my phone number. Only one should be open/active. 

I want my contact telephone number removed from both closed accounts as these prevent me from using PayPal 's antiquated telephone IVR system which requires that the telephone number from which I am calling matches exactly one account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I checked my personal credit which I acquired from Equifax on XXXX and I noticed several unauthorized inquiries had been made. On XXXX at XXXX I request for the following inquiries be removed : XXXX ( XX/XX/XXXX ) XXXX Bank ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX of XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I was informed by the agent that the dispute would start and I should have results within 30 days. Today is XX/XX/XXXX only 9 days from when this dispute was started. I called into Equifax and spoke with an agent on XXXX @ XXXX he proceeds to tell me that they had proof of those inquiries listed but no information was sent to me. I would like to have a description of their investigation if the referenced above inquiries are valid. They have n't sent me no documentation stating that I made the following inquires. If no valid information can be sent to me showing that I made those following inquires I would like them deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: received call at XXXX on XX/XX/2016 and the television caller id identified the caller as Portfolio Recovery XXXX had called /but on the voicemail did not leave a message could not call back as long distance and can not afford/I am XXXX /another XXXX person lives here as well

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A supposed creditor that is outside of America, and with no operations in America is reporting a supposed debt on my Experian credit report. Not only is this " creditor '' outside of American jurisdiction, i believe they no longer exist. I have tried to contact this " Bank '' that is located in the country, XXXX, but i am not able to get a hold of anyone. I believe this negative mark in my credit report is an error and have tried multiple times to work with Experain to no avail. " creditor '' info : Account number in Expreain is : XXXX. Original Creditor : 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 non-monetary relief
Consumer complaint received 11/25/2016 about Debt collection (Payday loan) with Integrated Recovery Services (OH).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Debt collector verbally abused me, called me XXXX and used inappropriate abusive language to myself, my husband and left threatening abusive messages on my neighbors and family members answering machines. Threatened to sue me and threatened legal action if debt not immediately paid. Made unauthorized debits to my account

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Mortgage (Other mortgage) with PNC Bank N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: PNC Mortgage Loss Mitigation wo n't give me any information regarding countless declined Short sale offers. They hold on to offers then decline and not counteroffer stating it 's too close to sale date. We have submitted latest offer at PNC 's BPO 's value and no one will look at it nor help with getting sale date extended. We have been trying to work with the servicer for past 6 months and get no information except declined. Our sale date is Monday XX/XX/XXXX and really need help getting to a decision maker. Supervisor over loss mitigation wo n't return phone calls. This foreclosure litigation has been on going for almost 5 years because PNC could not prove standing. It has been a nightmare and never once have they reached out to help mitigate the foreclosure. PNC is subservicer, XXXX f/k/a XXXX mortgage is Master Servicer Investor is XXXX TRUSTEE for XXXX XX/XX/2007 pass through certificate Trust put together by XXXX. The Investor name had to be changed as plaintiff on Foreclosure because PNC could n't prove Standing. But as servicer they are the only one we can submit loss mitigation options to because trustee does n't make those decisions. But it seems like if Servicer did n't have standing to foreclose them they do n't have standing to approve a short sale. Resulting in us the homeowners in a BLACK hole. Please help get Sale extended and help us forego a foreclosure by completing a short sale. Our buyers are qualified and approved for XXXX waiting on PNC approval. PNC 's BPO As is Price is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Closing/Cancelling account

Complaint: I decided to not pay another annual fee for a Bank of America Visa card. My expectation was the account would be closed. A month later I got a bill for my account which had been charged the annual fee. I did not knowingly ever agree to have the company automatically renew my account. I then called the company and was assured by customer service they would close the account and back out the charges. A month later I received another bill with a penalty included. I called again and was told they would close the account and back out all of the charges. A month later they continued to add penalties and did not close the account. I then sent them a letter with a return receipt by XXXX Mail. I detailed the above in this letter and told them to close the account and send me a final bill and I would pay that to just end this stupid experience. Instead they reported me to a credit reporting agency that I was now 120 days past due. 
I had not used this credit card for years. It was an emergency card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-11-2015 about Mortgage (FHA mortgage) with Specialized Loan Servicing LLC (CT).
Issue: Loan modification,collection,foreclosure

Complaint: Dear CFPB, On XXXX/XXXX/15 Specialized Loan Servicing agents and my designated relationship manager, XXXX ( Teller ID : XXXX ) confirmed SLS made a mistake in processing my final loan modification agreement. The agent also confirmed that my additional payments of ( {$3400.00} ( XX/XX/XXXX-XX/XX/XXXX. 2015 ) since the completion of the trial modification program ( XXXX - XXXX 2015 ) had not been applied and still remain in a suspense account. I was told the issue had been escalated and a supervisor would make sure the system was updated and the agreement enforced. I had contacted SLS on XXXX/XXXX/15 to inform them I had not received the final loan modification documents and did they send to my new address as I had informed them of in XXXX. SLS stated they had sent the documents to my old address on XXXX/XXXX/15 to be returned by XXXX/XXXX/15 and they would resend the documents and retroactively enforce the agreement. SLS sent the documents on XX/XX/2015. I signed and notarized the documents on XX/XX/2015, confirmed SLS received on XX/XX/2015. XXXX Tracking Number : XXXX. When I contacted SLS on XXXX/XXXX/15 for a status update and resolution before I made another payment to sit in a suspense account, SLS transferred me to over XXXX agents and said they could not find any documentation and my final loan modification had been denied and threatened foreclosure. I have been working with SLS during hardships for over three years to resolve the defaulted mortgage payments. SLS denied XXXX distinct offers to purchase the listed home from different buyers in two years via the short sale XXXX process. Then we pursued Deed in Lieu and Loan Modifications, I completed the Trial modification and due to SLS mismanagement, fraudul ; XXXX practices, unethical standards, and poor customer service my final modification is not being processed and causing me extreme stress and continued financial hardship. 
I would like this situation to be investigated and resolved immediately, my final loan modification reinstated, and my suspense payments applied to the new modification. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
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: Bank of America is reporting a false foreclosure to the  XXXX  credit services. BOA received a consent order signed by  XXXX   County S  uperior Court Judge   XXXX   XXXX  on   XX/XX/XXXX   stating that the BOA foreclosure was a MISTAKE on the part of BOA. I PAID MY MORTAGE IN FULL ON   XX/XX/XXXX  . Yet BOA is reporting late payments  XXXX  times.   Bank of America was supposed to correct the error with   XXXX   XXXX  and  XXXX  . As o f  XX/XX/XXXX  BO A has not corrected their MISTAKE. Because of  BOA  's MISTAKE I have been locked out of the traditional credit markets. I can not even get  a   XXXX   XXXX   XXXX    credit credit card. I can not get a mortgage to buy a home, because my  credit score  is in the  XXXX   XXXX . BOA 's MISTAKE has cost m e thousands of dollars in legal fees and exorbitant interest rates in the tertiary fin ancing markets ( maxed-out credit cards  ). B OA forced me to liquidate my business to generate cash to pay my bills. I have contacted BOA numerous times to no avail. the last BOA person I spoke to was  XXXX   XXXX ,  Resolution speciali  st   XXXX   XXXX , to no avail. I have all of the documentation for anyone 's review.

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 01/26/2018 about Mortgage (Conventional home mortgage) with Selene Finance LP (IL).
Issue: Struggling to pay mortgage

Complaint: Hello, We are trying to avoid foreclosure at all costs whether its through a modification or a deed in lieu. The servicing of our loan was recently transferred on XX/XX/XXXXto Selene finance from XXXX. We have been sending all requested information to XXXX prior to the transfer with no response only for XXXX to tell us this week that they can not answer any of out questions any longer since Selene is the servicer as of XX/XX/XXXX. We called Selene finance all week and they have sais they do not have the file in the system yet to help or answer our questions. I advised them that the letter says it transferred onXX/XX/XXXX and the sale date isXX/XX/XXXX and we don't ; have much time. the reps at Selene have been telling us that it might take another week for the loan to be up in their system to help us. I told them that will be too late. They didn't seem concerned or willing to help. they told us to call an attorney or the previous servicer which already told us they do not have the file. We attached the transfer notice. Reason for default was due to one of the borrower 's XXXX. We are now financially stable after the hardship and are looking for a modification or a deed in lieu to avoid a foreclosure on the credit report. Apparently the banks need time to review the docs but know one is willing to help answer questions since the file is not in their system yet. Who can help us. We are desperate and in need of guidance. XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: On XX/XX/2016 I contacted the credit bureaus, Equifax, XXXX and XXXX via certified USPS disputing several accounts that are reporting inaccurately. I have made numerous attempts to reach them by phone and further mailing actions, the credit bureaus ( all XXXX ) are refusing to send me an updated credit report or acknowledge my dispute request. 

DISPUTED ENTRIES : 1. ) XXXX # XXXX ( PAID NOT COLLECTION ) 2. ) XXXX # XXXX ( NEVER LATE PAID AS AGREED ) 3. ) XXXX XXXX # XXXX ( NEVER LATE PAID AS AGREED ) 4. ) XXXX ( PIAD-NOT COLLECTION ) The Following Inquiries are not mine, never authorized : 1. ) XXXX XXXX ( showing XX/XX/2016 ) 2. ) XXXX XXXX ( Showing XX/XX/2016 ) 3. ) XXXX XXXX ( Showing XX/XX/2016 ) 4. ) XXXX ( Showing XX/XX/2016 )

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Credit determination

Complaint: Capital One is reporting a charged off debt that I have wrote them several times with proof that the debt is not mine. I have provided them with copies of my Identification, social security card as requested, I have disputed this inaccurate information with XXXX XXXX XXXX XXXX XXXX times as well and they have refused to correct the information Even though they have collected the full amount of the debt from my son who has a similar name as mine. Whose debt this is in the XXXX place. A fact that I have pointed out to Capital One and all XXXX Credit Reporting Agencies. with no change from either agency or Capital One. Furthermore I have been Denied a credit card because of this false report. I thought that if I provided proof of who I am that Capital could distinguish between father and son given the birth dates, Social Security card and State of Michigan issued ID cards, but the last response I got was a refusal to remove their error from my credit report. I have been struggling to get them to take this information off of my credit report for years now I have had enough from Capital One this is an organization who seems to believe they do n't have to answer to anyone and they can report anything they wish about anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Customer service / Customer relations

Complaint: Due to unexpected health issues and being hospitalized, I was under financial restraints and distracted by physical recovery that most of my finances and credit accounts suffered. I have been in communication with the companies where accounts were affected and I am on XXXX XXXX to getting my accounts back into good standings. I had a phone conversation with someone from Citi and made a payment to bring my account back below the allowed credit limit. I also made a verbal commitment to pay $ 100 monthly until the account was at a {$0.00} balance. I was told the payment I made and the verbal commitment were enough to keep the account open and active. A week later I received a letter from a collection agency for the remaining balance owed from my Citi credit card account. Frustrated I contacted Citi once again and was mistreated by the collections department. I feel as though I was misinformed during both interactions with the company. I feel as though I made efforts to inform them of why my account got backed up. I also made a payment out of good faith and verbal confirmation that the account would remain open and active. I even mentioned to the collections department, that if the original representative was honest with me and told me the amount I paid and verbal commitment were n't enough to keep the account open. Then I would have been able to make different arrangements to settle the balance without Citi canceling my account and selling it off to a third party collections agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In violation of cra act Inaccurate credit reporting All these inquires

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 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Problem with fraud alerts or security freezes

Complaint: I have called numerous times asking Trans Union to freeze my credit report. They have yet to do so even after 4 separate calls over the past month, starting in XX/XX/XXXX up until my most recent request on XX/XX/XXXX. They have an online method for freezing credit reports. Every time I try to access that it does not work. The online page states that this service is available TransUnion : Monday-Saturday, XXXX XXXX.-XXXX XXXX. CST Sunday, XXXX XXXX.-XXXX XXXX. CST I have tried multiple times and multiples points in the day and have tried multiple times during the past month. The online freeze request always comes back as not available at this time. I have a screenshot showing it stating " TEMPORARILY DOWN ''. It is always down. When I call to inquire about this, they just bounce me from person to person. I have no idea who to send a letter to in this regard. I could only find the Fraud Assistance Department mailing address, so I did send a letter there. No answer My score continues to go down and down because companies keep hitting my report. My only recourse is to block this / freeze the report and they do not seem capable of making that happen. I believe it is my right to have my report frozen and I should not have to ask for over a month and still be asking.

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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: Send several certified letters with tracking numbers asking to verify debt and the credit bureau has completely ignored and have not provided a contract or anything with my signature has not been provided regarding XXXX XXXX. my last letter i send is attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX  has listed my loans several times on my credit report a lot of the accounts have the same account number associated with them. I consolidated the loans so therefore the other loans should show as paid in full and the derogatory information should be removed. I have also received loan forgiveness for federal loans from  XXXX  University, yet  XXXX  refuses to deduct this amount from my outstanding loans. I filed a borrowers defense through  the Dept of Ed a nd that resulted in the loans being forgiven yet  XXXX  is saying I still owe them. I have called and spoke with people there to no avail.

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