milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/26/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I setup automatic payment with XXXX XXXX. However my mortgage was sold to PNC Mortgage, and I did not received their welcoming letter and late notice letter due to change of address ( which I have a witness for this ), hence the payment was 60 days late. I felt PNC Mortgage did not try their best effort to contact me, they did not call on the phone, text or email me about this transition of mortgage and the late notice. 

I have never missed a payment in my life and have excellent credit before this. As a consumer, I felt PNC Mortgage is at fault for not informing me about the transition, and they just do n't care. 

To make matter worse, I had file a complaint with Better Business Bureau, they acknowledge that it happens because I did not receive their letters, can not prove that they call me, text me or email me, but offer nothing to help me. I escalated to PNC executive client relation, XXXX XXXX and she chose to ignore my email.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (GA).
Issue: Struggling to pay mortgage

Complaint: I just sent this email to Pennymac USA via their web form : " When I called this week for information about the modification process, I asked REPEATEDLY that you NOT BEGIN THE PROCESS WITHOUT MY PERMISSION. 

I asked you to send me WRITTEN INFORMATION ABOUT THE PROCESS BY MAIL. 

I attempted to call you to make a payment today and was given the runaround. I log in to make a payment and I discover that you have begun this process WITHOUT MY EXPRESS PERMISSION. 

I am cc'ing this to consumer advocates and consumer credit regulators. Meanwhile, I am attempting to pay my debt and this is my official notice that you are proceeding on a loan modification WITHOUT MY PERMISSION. 

Thank you. '' -- - Pennymac assured me by phone on Monday morning that I was not entering the loan mod process, that my credit pull was a soft pull, and acknowledged repeatedly that I was NOT yet ready to start the loan modification process UNTIL I received hard-copy information via US Mail and had time to look into it and think about it. 

I attempted to make my monthly payment today and I was told by a very unfriendly phone rep that I was assigned to a " single point of contact, '' and that I would have to talk with that person. I hung up after trying to explain repeatedly that I was trying to make a phone payment. I came home to make the payment via web and I got notice that I could not make a payment because I had " entered the loan modification process. '' I expressly told them I was NOT NOT NOT interested in doing so at this time -- at least not until I understood the process fully and had received written information from them about it via US Mail. 

We have been in this very modest home for 10 years -- bought just a few weeks before the market crash, so we do n't even get to deduct mortgage interest on our FHA loan at 6.75 %. Now we are employed part-time in the " gig economy, '' so we have had to pay late at times, unlike before. But we do pay. This is our only real asset and we are XXXX and XXXX. We are tying to do all we can to protect it. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Bank account or service (Checking account) with U.S. BANCORP (MN).
Issue: Account opening, closing, or management

Complaint: I closed my US bank account over 5 years ago. They left it open without my knowledge and charged late fees for things I had never purchased. Now they are preventing me from getting a new account as they sent it to my credit bureaus. I have asked over ten times for verification of debt with no response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TN).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I received a promotional offer addressed to me personally from Chase Bank for their XXXX XXXX XXXX XXXX card that offered XXXX bonus miles into my XXXX frequent flyer account if I applied for a card and spent {$3000.00} in the first 3 months of use, and an additional XXXX miles if I added an authorized user. I applied for and received the card, but was told that the promotion would only give me XXXX miles. I complained to Chase Bank at the XXXX # on the back of the card and received a letter dated XXXX XXXX, 2017 from XXXX XXXX, Customer Service Specialist saying they could n't fix the problem and I can only receive XXXX miles. I called again and spoke to a supervisor and was told the same thing. This is simple bait and switch. They offered me XXXX miles, I accepted the offer and they will now only give me XXXX miles. I called twice to let them know of the error and they said they could do nothing about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX did not bill our insurance as we requested, then turned us over to CMRE collection agency. We paid CMRE because we were in the process of applying for a mortgage loan. Since then, our insurance was billed and they have paid. We have been unable to obtain reimbursement for the {$1200.00} that we paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a notice on my XXXX credit card statement from Capital One was past due, attempting to pay the past due amount I paid {$400.00}. Apparently the past due amount was {$400.00} for which they sent to the credit bureaus my account was delinquent for {$9.00}. No where on my monthly statement does it state the past due amount clearly, it just states the past due amount and next month 's payment. Very deceiving to a customer when they are trying to bring their account current.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Credit reporting () with Hunter Warfield, Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have repeatedly asked for validation of debt from this reporting agency and this company will not comply with my requests .To my knowledge the original creditor is an apartment complex and I am not sure at this time what this bill is for .This is affecting my credit score and if I can not get a validation of debt please remove from all XXXX credit bureaus. Also do they have the right to charge interest on this type of account. I am not sure what else I can do but get a lawyer involved if this is not resolved. 

Last Reported XXXX XXXX, XXXX Collection Agency HUNTER WARFIELD INC Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$760.00} High Balance {$660.00} Remarks Account information disputed by consumer, meets FCRA requirements

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Transunion is refusing to remove inquiries that were obtained without my permission, Ive sent them numerous request asking to remove them and they have not, so I am filing this complaint against them for unfair credit reporting. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/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 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. (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: The credit reporting agency called Experian suggested in their letter to me dated XX/XX/2018 ( report # XXXX ) that I write to you about their decision to materially lower my credit rating. 
Their decision was based on me missing a $ XXXX monthly lease payment on a car I had just acquired. That was a simple mistake due to the car dealership erroneously informing me that my monthly payment had been paid with the initial deposit that I made on the car. As soon as I was informed that this was not the case, I paid the outstanding {$79.00} to keep my account with XXXX XXXX up to date. Nonetheless, Experian decided to maintain their downgrade of my credit rating. 
This behavior by Experian is non-sensical and wrong. I hope that you will use your enforcement authority prevent such behavior from penalizing consumers in the future and restrict Experian from acting in this way. 
Please do not hesitate to contact me should you have any further questions or comments in this regard.

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 06/28/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Wells Fargo had a promotion stating you will receive a {$250.00} bonus if you open a checking account before XXXX XXXX. I opened a checking account online on XXXX XXXX, one day prior to deadline. The same day I received a welcome email indicating I would receive the bonus. Wells Fargo refuses to issue bonus even though I met the terms claiming I did not open account in time. This is false as I opened on XXXX XXXX. Please see attached documentation from Wells Fargo in email showing I opened my account before the deadline. I funded the account with {$50.00} which is twice as much as required. I ask that Wells Fargo issue bonus as promised otherwise they are falsely advertising. I have contact Wells Fargo on XXXX and they refuse to do anything claiming I did not open account in time. My account was opened before the deadline.

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 09-01-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: It 's happened so weird, so I only ask the bank online to increase my credit line for information but not request. And then the bank send me notice and did n't ask my authorization and directly this is a hard pull. I can not believe it. How could this be? I only put info online and then, NO PHONE CALL NO TEXT NO MAIL NOTICE OR EMAIL, there 's a hard pull. And he said he need my more info, it 's funny cause when I made phone call, I said I gave up to increase my credit line. This is totally not my fault. SHAME ON BANK OF AMERICA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: AS OF   XX/XX/XXXX   MY CREDIT SCORE WAS  XXXX . I HAVE NO NEW INQUIRIES AND NO NEW ACCOUNTS IN COLLECTIONS. AS OF  XX/XX/XXXX    XXXX   XXXX   UPDATED MY CREDIT REPORT AND INSTEAD OF EQUIFAX ADDING THE NEW POINTS FOR A NEW ACCOUNT THEY TOOK THEM AWAY. OLEASE INVESTIGATE THERE IS NOTHING INDICATING WHY THE SCORE WENT UP WITH   XXXX   AND  XXXX  AND DOWN WITH EQUIFAX. I AM SURE THIS WAS A MISTAKE AND NEEDS IMMEDIATE ATTENTION. PLEASE FIX PROPERLY.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX has agreed to remove any marks on credit reports for debts sold since 2007. XXXX has not removed this account information from my credit report. 

" For all credit-card debts sold since XXXX 2007, court records show, the bank will remove any marks on consumers ' credit report ''

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently reviewed my Equifax Credit Report and viewed a Credit Inquire I do n't recall authorizing. The inquire was conducted by XXXX XXXX XXXX on XXXX XXXX, 2016. I have had previous unauthorized inquiries conducted by XXXX XXXX removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Settlement process and costs

Complaint: We keep getting phone calls from someone who says they are from Bank of America and wanting to talk to us about our property. We are n't late on payments so there is no reason for her to keep calling! I have asked her 3 times to NOT CALL, that there is nothing I need to discuss about our property. She calls as early as XXXX, we have people sleeping here at that time. I asked for her manager and she claims she could n't find her phone number. I need this to stop. I have searched her number and found her home address, etc. Her name is XXXX XXXX ( she claims it 's XXXX ) from XXXX XXXX, Ca XXXX XXXX XXXX XXXX Phone number she calls from which is her own is ( XXXX ) XXXX. We do n't know why she is calling, she wo n't say unless we confirm information which I REFUSE to do because I know her call is not legit.

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 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am in the process of looking to buy a home. This is why I pulled my Credit Report. I could not believe the information I found. There are several loans and accounts on my report that I have no knowledge of and I contacted each creditor and have not been successful in removing these items, the reps were rude and told me even if I had no   XXXX   XXXX   is reporting  XXXX  times as well. These are not my accounts! And I will not rest until I get results. This is preventing me from getting a home and I feel it is very unfair to have to pay for something I did not do nor had any knowledge of. These accounts are reporting in error. Please help me to resolve this,

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 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On X/XX/17 I contacted XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX  about unauthorized inquiries that are appearing on my credit report. I told all of these companies that there is fraud alert on my credit report and none of these companies were given my permission to run my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Debt collection (Payday loan) with CURO Intermediate Holdings (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX XXXX has been trying to collect a Debt that has been paid in full. They also have entered the information on my credit bureau file showing i still owe the debt with a negative entry. I never received any communication from the original creditor that I still owe this debt. This debt with Speedy Cash ( the original creditor ) has been paid in full. Speedy Cash is evening emailing me on a daily basis to let me know that I can be approved for another loan with their company. I also have screen shots showing that I have no loans outstanding and that my account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: APR or interest rate

Complaint: I have had the account with Capital One for more than 10 years. I always pay on time and more than the amount due. It is business card. This past year I was late twice - inadvertently - I called as soon as I realized it and paid up, again more than was due. Capital One has raised my rate from 6 % to 24 % due to late bills in the past year. I tried to get them to see I was a good customer for a long time, but I was told " If you are late twice, we have the right to raise your rate, and we do n't have to take into consideration if you are good customer or not. '' I was told that they could reduce my interest rate after 12 months of on time payments. This would cost me {$4000.00} to get back in their good graces. This may be legal, but it is still wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/23/2017 about Vehicle loan or lease (Loan) with HYUNDAI CAPITAL AMERICA (NJ).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: My name is   XXXX   XXXX   of  XXXX , NJ. I purchased a  XXXX   Hyundai Sonata fr om   XXXX   XXXX   Hyundai DBA  XXXX  Hyundai @  XXXX    XXXX   XXXX    XXXX   XXXX , NY  XXXX . The car 's list price was {$29000.00} and a  Service Agreement of {$3400.00}. I ended up financing {$35000.00}, with a finance charge of {$24000.00} ( 18.99 % APR for 72 Months ). My monthly payment was {$830.00}. The total sale price was {$65000.00}. I gave the dealer a {$5000.00} downpayment, part of which he told me would be applied to my first monthly payment, and the rest would be applied to the downpayment of the car including Motor Vehicle Fees and taxes. My complaint is that  on   XX/XX/XXXX  the  car dealer advised me to sign the blank contract as I had my child, was in a rush for work, and he would fill in the details based on our verbal agreement. To my dismay, upon receiving a  XX/XX/XXXX  letter from Hyundai Motor Finance I had a contractual agreement to pay twice the amount of the value of the car. This is in stark contrast to the dealer 's prior verbal assurance that my car payments would be no more than {$320.00} per month.The dealer pacified my complaint by telling me that he would rectify the matter with a new contract, but I should make payments as to not run in default on the contract. Coincidently, a majority of my payments are applied to the interest and not the principal. Eventually, I could not keep up with the payments, after losing my job. After the last partial car payment on  XX/XX/XXXX , and a verbal agreement with the finance company to pay the balance the following morning, my car was repossessed the following day. Subsequently, the repossessor sold my car for {$9000.00} at an auction and is now harassing me for {$23000.00} to be collected by  XXXX   XXXX   ,   XXXX  (  Collection Agency  ). Please help as this is ruining my credit, placing me under  XXXX . I am a single mother o f a  XXXX -year-old chil d who was born with  XXXX  and has had  XXXX   XXXX , which is causing financial and  XXXX  hardships. Please see attached file of documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls repeatedly from a fake local number every day, no voicemail just calls. Sometimes twice in less than a minute. Finally sent an email with the proper debt notice, but continued to call over and over each day. When I had time to step away at work to talk, I asked for the full final bill for the debt, never received it. I asked multiple times when they would call me again. Finally, I decided to settle the debt via payment arrangements. Set them up and when the second payment was to go thru it did n't. Received emailed on Sunday about debt, received 3 calls on a Monday morning, called them as I was confused because of the arrangement that was set. Come to find out they do n't do auto payments which was n't made clear to me previously. Made that second payment and now all of a sudden the arrangements change, the previous person should n't have made the arrangement with me and unless I start paying a larger amount each month they are going to continue collecting/calling me and report me as a non pay. This bait and switch tactic is very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX PENDING XXXX/XXXX/XXXX XXXX/XXXX/XXXX ( Estimated ) Dispute confirmation XXXX is still showing as pending on the online dispute status tool. The work has been completed. I have called the Equifax dispute customer service who continue to confirm the work has been however they have no idea or why the online status information has not been updated. I was told that this is holding up alerts to credit monitoring. I have been transferred back and forth between the dispute department and the personal solution department and Equifax refuses to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: lost cr card agent did not ask info to replace it, wanted to do a pymt as the automated system does not do a pymt w/o acct info. agent could not take a pymt over the phone Want late fees to refunded, and replacement card sent.

Company response to consumer: Closed with explanation