milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/18/2017 about Mortgage (FHA mortgage) with U.S. BANCORP (LA).
Issue: Struggling to pay mortgage

Complaint: In  XXXX , I separated from my husband. My daughter and I continued to live in the house and pay the mortgage. I later asked the mortgage company to give me a statement and was denied because my name wasnt on the house. I asked if the house could be put in my name because I was paying the mortgage and was told no. I then asked could they tell me where the payments have been going and they said no. The mortgage company refused to discuss anything with me and said they would only speak with my husband. They requested that I send in check stubs, approval from my ex-husband giving me permission to ask for information on the house which I did. I sent in all requested paperwork for months and months with no resolution. The crazy thing is that I signed as the co-borrower when we first got the house so why not put it in my name. I should not have had to get my ex-husband to authorize the mortgage company to speak with me. I even tried to sell the house with a realtor helping me. She was getting the run around just like me because they kept asking her to fax the same paperwork over and over again. After we divorced in  XXXX , I was still denied information on the house and told that my ex-husband could come and take the house away from me at any time he saw fit. I was upset because I had been paying the bills with no paperwork saying where the money was going and told I dont have any claim to the house. After all the drama with the mortgage company, I decided to leave.

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 05-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have had my credit card with Bank of America for a very long time. I have never missed a payment. I was traveling overseas and a payment was processed and my bank was unable to get me on the phone so it was returned. I had no knowledge of this and Bank of America ran payment again and it was blocked because of an alert on my account.     After the second attempt, Bank of America just closed my account outright and reported me late on my credit.     I have never been late and have been an ideal client. They even closed my bank account and effected my banking relationship.       i had perfect credit and now this has been put on 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 09-09-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: The University XXXX XXXX attempted to take tuition payments directly from me after I withdrew instead of deducting the payments directly from the students ' loans. I withdrew because the quality of education I received from the University XXXX XXXX was extremely poor, the instructors would not help me and the courses I took at the school are pointless as my former and current employer will not accept them because the school is not accredited and the degreecourses are not accepted in advancement of careers. What the University XXXX XXXX is doing is illegal! You can not send student loan money in the form of a loan directly back to the lender and go after the borrower for collection. The University XXXX XXXX broke the lenderborrower contract without the student even knowing.I would the XXXX to remove the student loan information from my credit reports and cease collection of the XXXX in student loan payments for these courses that I can not even use to advance my career

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The inquiries, which appears on my credit report from XXXX/XXXX dated XX/XX/XXXX, SANTANDER CONSUMER USA dated XX/XX/XXXX and XXXX XXXX dated XX/XX/XXXX does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (KS).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I was unemployed for 6 months trying to stay above water. I had communicated with each one of my credit cards about the situation and what i was doing to resolve it. I was able to find a job finally and started getting paid and i paid all of my payments. When i went to pay my American Express payment I found out that they had decided to cancel my account. The customer service agent then told me if i paid the account up to date that he could work on getting my account reopened. So i paid a large sum of money to get the account out of the hole and he said he would start working on the rest. I called back today and they told me they won't reopen my account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Bank account or service (Checking account) with PNC Bank N.A. (WI).
Issue: Account opening, closing, or management

Complaint: I worked with a banker at PNC bank and signed up for a student checking account which would not have monthly charges for any reason. After creating the account, the banker assured me that the monthly fee that was listed in the paperwork would not be deducted because I was a student, and the student account would not have the monthly fee. For the first five months, no fee was applied. In the sixth month, a {$25.00} fee was charged. I had been assured that the fees would not apply to this student account, so I expected the fee to be reimbursed, and that I should not be concerned. The bank continued to charge this fee for 14 months without reimbursement. Upon recent realization that the fee was not only being charged, but was not being reimbursed, I went to the bank to have this corrected. The banker informed me that the account I had been assigned was not the student version, but the most expensive, " performance '' option, and admitted that the account was incorrectly assigned. They then informed me that the two most recent monthly fees were in the system and could be reimbursed, but that previous fees were out of their control, as they were no longer in their system " for my protection ''. Once I talked to the banker, supervisor, and bank manager, I was told my only recourse was " escalating '' to customer service. Customer service provided the same information, and did not offer any solutions to this problem, as well as implying that I was at fault for the situation, despite the banker 's previous admission of fault.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Billing disputes

Complaint: I am incredibly dissatisfied with the way Bank of America has handled a disputed transaction of {$6900.00} to XXXX XXXX XXXX. This fraudulent Telemarketing Company conned me into paying them {$14000.00} for nothing. I reported this to Bank of America and provided them with all the information necessary to prove that the company scammed me and although it seems they have refunded the {$7400.00} they have decided in favor of the merchant on the other {$6900.00} citing that they " deserve to be paid for any services that were rendered ''. What this company sold me vs what was " rendered '' was nothing as they described. As far as I am concerned, this company did NOT render the services as described and Bank of America is allowing these thieves to operate. 
I have been informed by the XXXX, that I have the right to dispute charges like these using " Claim and defenses '' and I would like this to be properly investigated as such.

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 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XX/XX/XXXX XXXX I Late Dates : XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX PAYING UNDER A PARTIAL PAYMENT AGREEMENT REAL ESTATE MORTGAGE 180 DAYS OR MORE PAST DUE XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I XXXX XXXX XXXX Loan Term : 540M 30 Late Dates : XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is the same account reporting multiple times and hurting my score. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX/XXXX/XXXX XXXX XXXX Ocwen Loan Servicing, LLC XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below and above ) are affecting my credit score and livelihood. Please delete these immediately. 
Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MO).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have sent a certified letter to Portfolio Recove ry Associates LLC. and aske d them to send me all of the information in the letter that had all of the information that I am asking for. I have all of the letters and copies of the information that I am asking for. They did not give me all of the information that I asked for. They are still wanting my to pay this debt but I asked for information and they did not give me everything that I asked for. I gave them 60 days to take care of this debt and they have not taken care of the debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Student loan (Private student loan) with AES/PHEAA (KY).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I logged into my AES Success account, where my student loan is held, on approximately XX/XX/17 and noticed that my interest rate had gone up. I am on a variable rate plan but the company did not notify me of this rate change as they have in the past and I have no idea what my new payment amount is going to be, which is due to be automatically withdrawn from my account in three days ( XX/XX/17 ). I contacted the company to ask for a notification of the new payment terms and twice received the response that my rate is subject to change with the market rate quarterly, but still have no documentation of my repayment terms with my new payment amount. Under my loan payment details I can find a monthly payment amount for XXXX of the XXXX loans, which appears to be the same as my previous monthly payment amount, and the other XXXX has dashes where that amount should be. I sent a third request today, XX/XX/17, asking for details of my new repayment terms and new monthly payment amount and am awaiting the response, which is first come first serve so it could take days. I would like to be notified in advance the next time my repayment terms change as I just happened to notice the new interest rate after signing into my account, without any notification from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was billed by the local electric authority ( XXXX ) for the balance of a bill I did not know that I owed ( I had moved away from the apartment in question several months prior ). I received a letter from XXXX that was forwarded to my new address and I paid the bill, directly to XXXX, on the final day that it was due ( XXXX/XXXX/15 ). 

About a week later I received a letter, issued XXXX/XXXX/15, from PennCredit attempting to collect the debt on behalf of XXXX. I called PennCredit at their listed number on XXXX XXXX. I explained that the bill had been paid, and the person answering the phone assured me that PennCredit would verify this with XXXX and that I would need to take no further action. She told me that PennCredit would be unable to verify that the matter was settled in writing. 

Today, XXXX XXXX, I was informed by my stepmother that Penn Credit repeatedly called my father and stepmother 's house, seeking to contact me. I have not lived in the same household as my father for 17 years. I called Penn Credit to ask why they were continuing to follow up, and the person answering the phone was only able to tell me that she had a record that the debt was paid, as well as a record that the phone call had been made, and did not know why my record was still being called, as there was no outstanding debt. She was unable to provide any kind of additional confirmation that I should not longer be contacted ( really, I should not ever have been contacted in the first place ) and that this would not happen again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have received the credit report from TransUnion on XXXX and I found I have a missed payment on a credit card of XXXX that has been already closed. I have neither opened it nor closed it and I have never missed payment in my history. I disputed this problem to the TransUnion about 20 days ago and received massage from them that it said they have already completed my dispute and made changes to my credit report, but I found it is no any changes on my credit report today. My credit score has been put down very low now. So I urge you to ask them to make real investigation of the dispute my recently submitted and give me a correct result. Thanks.

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 07/23/2016 about Debt collection (I do not know) with CAC Financial Corp (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting letters from XXXX companies trying to collect a debt that is not mine. I have written to them several times telling them it is not my debt.

Company response to consumer: Closed
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This account was opened fraudulently as a result of ID theft. Furthermore it was previously dismissed as fraud when XXXX XXXX attempted to illegally collect on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2015 about Debt collection (I do not know) with P.S.C., Inc (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I work at XXXX XXXX, XXXX WA. About a month ago I received a phone call at my bosses office phone XXXX from XXXX Police. I was informed that there was a woman waiting for me and I had an appointment with her. I informed them that I had no appointments and did not know the person there. XXXX Police put the woman on the phone and she told me she was from Puget Sound Collections and wanted to meet with me. I told her on the phone that I was not allowed to receive calls at work and could not entertain her. I asked her to contact me at home and we could work out a solution to whatever problem there was. I then asked her not to call me at my work place again. I heard nothing from this company for about two weeks, until I received another call from them, again, at my workplace. I got there contact information and gave them mine and told them I could not receive phone calls at work and could they please stop and contact me at my home. I received a verbal warning from my supervisor about personal calls at that time. I had not heard anything from this company again for about XXXX weeks until today. I was at work, XXXX, XXXX. It was about XXXX when my supervisor came out to our jobsite and gave me a phone message that came into his office during the day shift. The message had my name on it and was from someone named XXXX from PSC, saying that they would be in the office until XXXX. I received another verbal warning from my supervisor about personal calls and was informed that if it continued I would get a written letter of warning. I feel that I am being harassed on my job and it could jeopardize my job. I also feel that this company contacting another shift supervisor could also impact my job. I have told the people from this company to please not call me at my work, but contact me at home and I feel that they are purposefully ignoring my request in an attempt to shame or embarrass me into paying. If they would contact me at home I am more than happy to discuss whatever bill they have and if it is legitimate then I will work out a payment plan with them, but if they continue to ignore my requests it could put my job in danger.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NJ).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: XXXX   XXXX ,   XXXX   I went to the  XXXX   XXXX   XXXX , located on  XXXX   XXXX ,  XXXX   XXXX , NJ. I went to  XXXX   XXXX   XXXX  to have some dental work done on my teeth. After a valuation they stated that I needed have bridge work done to correct my dental problem. I was given local anesthesia. After completion of the valuation, I was told that the cost would be  XXXX . {$4000.00}, and I was given an application to complete for Care Credit. It was not completely explained to me about the financing with Care Credit and I was a little drowsy from the anesthesia, so I completed and sign the application. I was only given 15 minutes to make a decision. I left  XXXX   XXXX , went home and thought about what I had done. I read the pamphlet which stated that I had 3 days to rescind the application. I called back to  XXXX   XXXX   XXXX  on th e 3rd day and spoke with one of the  ladies in the office name  XXXX , and told her to cancel my care credit account, I would paid with my own resources. She said the bridge was order. A month later I received a bill in the mail. A few months later I return to  XXXX   XXXX   XXXX  to have the partial   XXXX    done. I made a partial payment to the dentistry by credit card which was accepted. At this time I thought they had cancelled the care credit card application. Another month passed and I received another bill requesting payment from Care Credit. I called  XXXX    XXXX    XXXX  to remind them that I had cancelled the care credit card with them previously. Well they told me that they would not complete my dental work unless the amount was paid in full. I did not return to  XXXX   XXXX   XXXX  and the bills continue to come to my house. My complaint is that I cancelled the application within the 3 days and also paid out of pocket money for my partial   XXXX   work. I had no more dental work done and care credit is on my credit report showing that I owe {$2400.00} with an overdue payment of {$650.00}. I made several attempts to resolve this with  XXXX   XXXX , but have been successful. Please investigate this debt to clear of my credit report. My credit is good and this debt has caused by score to drop. I feel as though I have been taken advantage of as a senior citizen. Thank you for helping me with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/23/2017 about Debt collection (Other debt) with Pinnacle Credit Services, LLC (ID).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Received a letter, sent XXXX/XXXX/XXXX, attempting to collect a debt for {$2500.00} with the original creditor XXXX XXXX. I called XXXX on XXXX/XXXX/XXXX and they have no record of me ever owing that amount or sending me to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: The creditor on my file uses a bi-weekly business model rather than a month to month business model. I contacted Experian to dispute the account reporting of this creditor. The account status was reported as repossessed/never late. I asked for an explanation of this item and Experian stated it would investigate the account status. After conducting their investigation, Experian permitted the creditor to update the status to repossession. The creditor was also permitted to updated the account activities as a repossession in XXXX XXXX and in XXXX XXXX. The creditor was permitted to updated the account activities as a charge-off in XXXX XXXX and XXXX XXXX. The creditor has been permitted to update the account activities as if the events took place over a six month time period when in fact the activities took place over a 31 day time period. The account was opened in XXXX XXXX, not XXXX XXXX. The vehicle was repossessed 31 days after the account was opened and was not late. The creditor was permitted to report fraudulent and inaccurate information after conducting their investigation.

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