milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-07-2016 about Bank account or service (Checking account) with PNC Bank N.A. (NY).
Issue: Account opening, closing, or management

Complaint: PNC is a bank that uses predatory, misleading, and bait-and-switch tactics to trap customers. I was convinced by a PNC bank representative to open up a checking account with them. He told me that I 'd even get a {$400.00} bonus credit if I receive direct deposits onto that account totaling {$5000.00} or more. I direct deposited over {$5000.00} as dictated by the terms. No bonus credit was ever received. 

As if that was n't frustrating enough, the bank will not let me close my account without charging me a series of ridiculous fees. This bank is extremely predatory, lies to its customers, and traps their money. Even leaving my account open, they have found excuses to charge me various " service charges. '' I have, several times, attempted to contact PNC Bank, only for their representatives to hang up on me spontaneously without addressing my problem at all. This bank will absolutely attempt every tactic to frustrate its customers into being complacent with having their money stolen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/21/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Fell behind on my loan modification and unable to catch up by the end of this month. Wells Fargo sends me a notice on XX/XX/XXXX saying I have to come up with {$2500.00} by the end of the month or face foreclosure. I ca n't do that. It is impossible. They do not seem willing to even work with me.

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 09-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have been paying on this loan for the past 8 years ( since 2009 ) and the balance has actually increased to more than what I borrowed due to the outrageous interest. I have paid more than $ 13k and the loan balance has only risen.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Debt collection (Medical debt) with First Federal Credit Control (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a correspondence from XXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXX about an alleged debt. On XX/XX/XXXX, I sent First Federal Credit Control a certified letter requesting validation of the alleged debt, and demanding that they only contact me via mail to my current mailing address. On XX/XX/XXXX at XXXX, I received a call from their representative inquiring on how I want to make the payment on the account. I politely informed her that I sent them a validation letter, and also demanded that they do not contact me via telephone. The representative rudely told me that I owe the company, I must pay or it will be reported to the credit reporting agencies. On XX/XX/XXXX, I received an alert from XXXX stating that First Federal Credit Control added a collection account to my credit report. I previously filed a complaint, and they replied that they have validated the debt, which they have not provided any documents to properly validate the debt per FCRA. 
On XX/XX/XXXX, I sent another complaint through CFBP,  and they completely ignored it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech Financial LLC who is my mortgage lender was mistakenly paying property taxes to a different parcel number or property with my escrow account for the year of XX/XX/XXXX, this led to having delinquent taxes on my property, placing my property under tax lien. Because property taxes were n't getting to my property, it also caused an escrow shortage on my account. although the delinquent taxes has been settled recently after going back and forth with Ditech for couple of months and dealing with bad customer service, the escrow shortage is still in effect which made my new monthly payment increased tremendously. 

The delinquent taxes has been settled last XX/XX/XXXX, on that same day I did a follow up call to make sure that they will run a new escrow analysis on my account so that my new monthly payment will be re-adjusted. 

I did another follow up call last XX/XX/XXXX a month after the settlement to ask why my new monthly payment still indicates a higher amount and was not re-adjusted. I learned that no escrow analysis was initiated after the settlement. 

Now Ditech is requiring me to pay the new monthly payment which is very high compared to my current monthly payment, the Ditech representative noted that they can not rebalance my new monthly payment until they receive the tax refund. 

This has caused me a lot of stress and loss of time dealing with Ditech back and forth in an ERROR that was not even from my part.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: EQUIFAX has been reporting hard inquiries from XXXX on my credit report, I wrote to XXXX, they responded they did not inquire. EQUIFAX still not removing THREE hard inquiries from this vendor and I need them removed as it is affecting my score. I am also disputing TWO hard inquries from EQUIFAX XXXX, when I called them they did NOT request my credit report and I never authorized these vendors to pull my credit. I need all 5 inquiries removed from my credit file with EQUIFAX, can you help me???? See Letter I finally got from XXXX but EQUIFAX has done nothing to resolve error.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX of 2017 I sent out a request and notice of BILLING ERROR regarding my account. I only received statements in response which did not answer the questions to my concerns. I have now checked my credit report and Chase has  reported me as delinquent. This goes against the FCBA. THEY have violated the law stating they can NOT collect or report to bureaus until they 've addressed the billing error. My rights have been violated and I 'm prepared to Persue legal action if this matter is not cleared. Under FCBA THEY HAVE 90 days at most to validate. They have NOT! This account is null in void. My credit WILL REMAIN INTACT! I know my rights and will enforce my rights to the full extent of the LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I HAD A NEGATIVE IRS REPORT ON THE 3 CREDIT BUREAU. I ALREADY MAKE AN AGREEMENT WITH THE IRS WHERE MY DEBT IS NOT COLLECTIBLE. THEREFORE I CONTACTED THE 3 BUREAU OF CREDIT REQUESTING THAT PLEASE REMOVED THIS COLLECTION REPORT FROM MY CREDIT. XXXX AND XXXX REMOVED THE REPORT BUT TRANSUNION DID NOT WANT TO REMOVE IT AND THAT CONTINUO AFFECT 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 01-12-2016 about Debt collection (Medical) with Harris & Harris, Ltd. (IN).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: On XXXX XXXX, XXXX, I submitted a do not call request to Harris and Harris. On XXXX/XXXX/XXXX Harris and Harris acknowledged my request not to be contacted via the telephone and that they would send all communications through the US Postal Service. However, Harris and Harris continues to call my telephone number. Specifically, Harris and Harris contacted me on XXXX XXXX, XXXX, at XXXX and XXXX XXXX, XXXX, at XXXX in violation of 15 USC 1692c.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Debt collection (Auto debt) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: After numerous phone calls from XXXX XXXX XXXX for an alleged debt collection, the company sent me a letter since I would not give them personal information over the phone. The letter arrived on XX/XX/XXXX and states that I owe a debt to Toyota Motor Credit ( TMC ) and asks for {$370.00} as the amount due. My last business transaction with TMC ended in XX/XX/XXXXwith an auto lease termination and all charges paid in full ; no further communication from TMC was received after that. I called TMC on XX/XX/XXXX and spoke with an agent in their finance department who reviewed my account with them. The TMC agent stated that my account was closed and paid in full and that there were no flags attached indicating a dispute.
In my mind this is an attempt by XXXX to extract money from me for a bogus debt. Watch out for communication from XXXX and do your homework to verify that the alleged debt is real.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (LA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working for more than a year with Chase Mortgage company XX/XX/XXXX trying to get an assumption modification on my our family home and deceased mothers home.Month after month. Getting paper work after paper work, notaries, lawyers, signatures. Only to be told in XX/XX/XXXX Chase, XXXX denied me the opportunity after almost a year, because its not my primary residence. And refused to make a reasonable affordable payment arrangement to catch up the note. Instead demanding {$5000.00} plus to reinstate the loan.. During the modification process I was told not to make payments, that they would make arrangements with me to catch up the payments.They refuse to accept any monies from me and they made unreasonable requested amounts. That I could not afford. Now XX/XX/XXXX they have sent me letters stating to accelerate the loan/ foreclose if I do not bring the loan current {$11000.00} approximately. And they have transferred my loan to XXXX. Please help me save my home. Cant ' some one make payment arrangements with me without the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Please forward all information pertaining to the opening of this account. It is not known to me and was opened without my authorization. I have on going issues with identity theft and require all for the ongoing investigation in progress.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Over the last several years my mortgage had been sold/bought by several different loan service agencies. Seterus was the last loan holder prior to my selling the property on XXXX/XXXX/XXXX. Appears that after escrow closed on sale of this property, Seterus noted that I had over paid them by {$740.00}, and according to their records a refund check was mailed to my current address on or around XXXX/XXXX/XXXX. Up until mid XXXX XXXX I was unaware of this over payment, and that a refund check had been issued, but never received from Seterus. On XXXX XXXX, XXXX I received a letter from Seterus stating that the check they sent to us, had not been cashed, and at 120 days they would be sending monies to the state as " abandoned property ''. On XXXX XXXX, XXXX I called Seterus, my contact advised that they would follow up and reissue check. The amount was actually XXXX checks, but she combined total refund into XXXX amount. On XXXX/XXXX/XXXX I had not received check, and again called Seterus. They advised that they had verified check had not been cashed, and would be reissuing check this week, I should have it within week. Having received no check by XXXX XXXX, XXXX, I submitted a fax expressing concern on not having received check yet, and request they follow up. XXXX/XXXX/XXXX I again called Seterus, spoke to a XXXX XXXX, male, who went back to very beginning, pushed his information that was old news, refused to listen, but insisted I listen to him, put me on hold to research info, and after 10 mins + hold, disconnected my call. I now see that CFPB has well over XXXX complaints about Seterus, all with similar problems. I would like to collect the funds owed myself and ex-husband. I would also like to see Seterus not be able to buy loans of any sort, due to their poor management of peoples loans and money.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The judgement was settled and dismissed and never should have been placed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My newly re-financed loan was bought and is now handled by Shellpoint Mortgage Servicing. I received a monthly statement that included nearly XXXX the regular amount charged for escrow. When I called to inquire, I was told that the escrow analysis did not exist yet and that the representative did not have information available to answer my questions. I was told that I would soon receive the escrow statement in the mail. This morning - more than a week after my XXXX call - I called again with the same inquiry. XXXX, I was told that the person I spoke with originally had NOT placed a request for an escrow analysis, but that the representative would initiate a request. When I told the representative that I needed information immediately as my payment was due, she told me she could not help. I asked to speak with a supervisor and my call was forwarded to someone 's voicemail. I called back, had a similar conversation with a different representative, and my call was forwarded to another voicemail. 

There has been no increase in my taxes or insurance. While I understand that escrow shortfalls do happen from time-to-time, I am unaware of any legitimate reason why there should be a shortfall that amounts to almost an extra months ' payment. 

I have now researched Shellpoint Mortgage Servicing and see that it is a regular practice of the company to seek additional funds PRIOR TO providing homeowners with information as to why the increase is legal and warranted.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Debt collection (Other debt) with Hillcrest Davidson & Assoc (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Did n't receive a notice five days prior to this creditor inaccurately reporting debt that is not owed to my credit file. The law states that a consumer must receive prior notice of their right to dispute and XXXX XXXX XXXX XXXX failed to adhere to the law. This debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FORD MOTOR CREDIT CO. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My loan was paid off and the same month it was there is a late payment listed which I was not late. Please remove this false remark ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/19/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: While in process of a divorce I applied for a mortgage in XX/XX/XXXX with Wells Fargo in XXXX, XXXX a property in XXXX XXXX XXXX, Fl. I began moving in XX/XX/XXXX. I was told by a rep that I was approved for va and/or conventional however, while driving to Fl. and discussing the process I was strung along with other complications i.e. mandatory club fees and underage children on the property. When I arrived for the closing on XX/XX/XXXX I had no mortgage. I signed a promissory note with friends so that we could close. Soon after I re-applied with another mortgage company and had the process all over again ... .documentation, etc. Finally after several months I was approved with an additional down payment. I made about two payments to the new mortgage co. and the received another notice that the mortgage was sold again to XXXX XXXX with payments to be made to non other than Wells Fargo, who turned me down in the first place. Keep in mind that I had to pay appraisal fees twice as well as settlement and other extraneous fees amounting to several thousand dollars. Any recourse, for this was a complete rip off and there should be consumer protection against the companies and their personnel who engage in unethical practices and manipulations?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (GA).
Issue: Application, originator, mortgage broker

Complaint: I have a loan through Freedom Mortgage - XXXX months ago I applied for HARP- I sent in all documents that Freedom request- XXXX weeks ago ( XXXX/XXXX/15 ) I found out via email that the loan had been closed on XX/XX/2015- no explanation given- XXXX days prior to receiving an email from the loan processor I was informed that I would have to pay {$130.00} at closing- if I agreed they would continue with the loan- I asked what the {$130.00} was for - no answer- I was dealing with XXXX XXXX with XXXX and the next thing I received was an email from the loan processor telling me that the loan was closed did not give me an explanation nor a date of when the loan was closed - sent emails and left messages - no response from XXXX. I request to speak to his manager- XXXX XXXX XXXX XXXX assured ( XXXX XXXX informed me the loan was closed on XX/XX/2015- had I not received a notice in the mail ) I informed him that I had not received a notice via US mail and if the loan was closed on XXXX/XXXX/15 why was I still receiving emails from the loan processor regarding payment of {$130.00} at closing and I was informed by the loan processor that the loan was not closed- XXXX XXXX assured me that he would find out what was going on- spoke with XXXX XXXX who tried to blame the closing on the loan on me stating that I had not sent in all required documents- tried to explain that I never received an request from XXXX XXXX or his XXXX loan processors I was dealing with- XXXX XXXX stated that I did not send in the name of the HOA or the amount I paid monthly- XXXX XXXX was informed from the first day that I did not have a HOA or paid dues- I received an email from XXXX XXXX on Monday XXXX/XXXX/15 asking if I had been informed of {$180.00} that was one of the issues with my HARP loan ( which was closed on XXXX/XXXX/15 ) - sent an email informing him I did not know anything about {$180.00} and what other issues - I have not received a phone call or a email from XXXX XXXX or Freedom Mortgage- the lack of response and keeping me hanging for XXXX ( nearly XXXX months ) without an explanation or an effort to move forward with a HARP modification loan. Freedom Mortgage does not take responsibility for their mistakes and lack of communications but now I feel I have been discriminated against. I would like Freedom Mortgage to answer my questions regarding all issues I have had with their company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Mortgage (FHA mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have been requesting monthly statements and an account payment history of our mortgage from PHH, to be mailed to us for over 3 years now with no resolution. My husband and I filed for Chapter XXXX Bankruptcy in XXXX XXXX. Even though our mortgage is not included in our XXXX XXXX payment plan ( we pay on our own ), the PHH representatives that I have spoken with have all told me they can not send us monthly statements because we are " in a bankruptcy ''. I have told everyone that I have spoken with at PHH that I am still a customer that deserves the right to have monthly statements sent to us like any other customer. Even with giving them permission to send monthly statements, they will not. The only written correspondence we receive from them is our annual escrow analysis, which I might add is in a surplus of over {$2000.00} and has been since XX/XX/XXXX. When I first received the escrow analysis notifying us of this surplus back in XX/XX/XXXX, I called PHH to inquire on how this surplus will be released to us. I was informed again that because I am in a Chapter XXXX Bankruptcy they can not release the funds. When I received the escrow analysis in XX/XX/XXXX it again showed a surplus of over {$2000.00}. I called PHH again advising that I am requesting this surplus to be released to us. Again I received the same response from the PHH representative. And the same response again when I received the escrow analysis in XX/XX/XXXX. In addition, every time I speak with a PHH representative, I am told we are behind in our mortgage. I tell them every time I would n't know that I am behind because they have n't sent me a monthly statement in over 3 years!!! Every time I inquire with a PHH rep as to how much we are showing as delinquent, the amount varies drastically. The last rep I spoke with on XXXX/XXXX/XXXX advised me that we are behind over {$5000.00}. I know between XX/XX/XXXX and XX/XX/XXXX we have missed 2, possibly 3 at the most, payments, but it is no where near {$5000.00}! I should mention that I also request a payment history be sent to me every time I speak with a PHH rep as well and even though they all promise me that one will be mailed to me ( I guess they can send payment history even though I am " in a bankruptcy '' ), but they never send it. I have advised PHH that I need written clarification on the actual amount my mortgage is behind and once that amount is validated, I want all of the entire escrow surplus to be applied to that delinquent amount. PHH has advised me that I can not apply our escrow surplus to the delinquency amount because we are " in a bankruptcy ''.

Company response to consumer: Closed with explanation