milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/26/2016 about Debt collection (Medical) with ONLINE Information Services, Inc. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my XXXX major credit reports. This debt is appearing. It is not my debt. I have requested written VOD from both of the collection agencies/law offices and the original creditor. I requested VOD over 30 days ago. I have not heard from the original creditor or the collection agency regarding this debt. I supplied a copy of my ID, my social security #, and proof of address to all parties. I was never in their facility/hospital/office. I have shown proof of residence as well as tax documents to show my employment was NOT in their area. I want this deleted from my CBR as they have failed to prove it is my debt. In fact when I call the original creditor they have an entirely different name and social security # listed in the original file. This is what prompted me to send proof of ID and social security number. This is NOT my debt and I want it closed and removed from my CBR immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I am attaching the Judge 's ORDER in this case. The Bank of America still has the account active. I spoke to someone on XXXX XXXX in collection and she said the Bank would honor the Cease and Desist letter. However, until the account is closed, this will never end. 
I believe they are waiting until the XXXX Bankruptcy ending date, then try to come after me again. 
The Order from the Judge said all remaining issues are denied moot. That goes for them, too.

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 10/24/2015 about Mortgage (Other mortgage) with BAYVIEW LOAN SERVICING, LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/2015, I wrote an email letter to XXXX XXXX, Bayview Loan Servicing , LLC that I wanted to sale my house because I was unable to meet with my monthly mortgage payments. Unfortunately, XXXX XXXX never responded back to me. My HARP was denied and since I was XXXX retired, my income had been reduced XXXX % prior to my retirement. During that time, I made XXXX of the payments each month in the amount of {$500.00}. Bayview Loan Servicing accepted and continued to receive monthly payments and charged me late fee and penalty. I stopped my monthly payments in XXXX of 2015 because Bayview Loan Servicing threatened me to foreclose my house. Instead, I made a " good faith '' and attempted to negotiate with them ; and yet, they refused to communicate with me. I wanted to sale my house but with a conditional, so that I can payoff my mortgage principal and I can keep the remaining amount of money. By doing that, both parties will be satisfied. The communication has broken down between myself and Bayview Loan Servicing , LLC . 

I do n't know who is my note holder/holders and I want to communicate with my note holder/holders, so that I can communicate directly. Bayview Loan Servicing can not makes that kind of important decision. If I can request you to find out who is my mortgage note holder/holders and with the complete contact information. The information as followed:1. Mortgage company/companies name. 
2. Mortgage company/companies complete address3. Point of Contact ( POC ) 4. Account NumberXXXX. POC 's Phone Number

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX has reported to my credit reports a bill owed to them, but was never billed to me. They subsequently sold the loan to XXXX. Apparently, this loan was sold to them by XXXX, a XXXX 
I was never notified of any of this. The original contract I signed was with XXXX a loan servicing company for XXXX. This is who I thought I was dealing with. XXXX 's name is on the loan product contract. 
I was never notified of a transfer of billing or any correspondence. I did not know anything about this product being on my account until XX/XX/XXXX when I wanted to refinance and saw a collection from XXXX. I followed up with them and found out the changed their name to XXXX. I repeatedly asked for documentation. I finally received something from XXXX in XX/XX/XXXX. 
I agreed on a settlement with XXXX and they agreed to report to the credit agency that the bill had been paid in full with a XXXX balance owed. The represented that they would not put any derogatory statements on the account. Please see attachement. On my credit report they added that " account paid in full for less than full balance '' This is not what the letter written to me states or what the representative at XXXX agreed to. 
Since XXXX and XXXX are the same company with a different name or they sold without ever trying to correspond with me about payment. The XXXX information should be removed from my credit report all together and XXXX should honor what they told me about no derogatory statements. 

Additional derogatory information is stated below that should be removed from EXPERIAN CREDIT REPORTING BUREAU

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 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 've first contacted Transunion with an issue on credit inquiries not authorized by me and was oriented to contact each company to request them to be deleted directly from them, each company told me they do n't do that even if its not authorized. Called again Transunion and customer service representative told me they do n't erase unauthorized credit inquiries, that I have to request each company a letter requesting for the delete and send each one by  mail to XXXX XXXX XXXXXXXX, XXXX, Pennsylvania XXXX. The representative was more than rude and was not in the position to help me with the issue knowing that is something that affects 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 01/15/2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (DE).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: wells fargo dillards never provided any proof of validity of debt with my signed signatures on any transactions or application or that any items were received by XXXX and signed for at my home all they provide is copies of a statement but no signed items and the account as a result of fraud issued by dillards without my Consent and this has causes me emotional distress that dillards wrongfully refuses to remove this fraud account from my credit reports and has not honored there XXXX fraud liability policy and have gotten nothing but rude customer service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have tried twice on Experian 's website and then once on free credit report.com to get my credit info. Their site comes back that they can not provide the info with my information. I ca n't get ahold of them to figure out the issue. Thanks, 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 07/24/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: A hold has been placed on a deposit made to my checking account and JP Morgan Chase wo n't tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (IN).
Issue: Application, originator, mortgage broker

Complaint: We applied for a mortgage with USbank on XX/XX/XXXX. As of XX/XX/XXXX they had not approved the mortgage. We recieved a letter on XX/XX/XXXX stating " During the processing of your residential mortgage loan application, one or more elements have changed. '' The change was that they were going to charge us a fee of {$960.00} for a rate lock extension. We have done everything possible to expidite this loan, including providing litterly hundreds of documents. We had to take a short term bridge loan at a very high rate while wating for the mortgage approval. We withdrew our application yesterday. Our credit has been harmed, interest rates have increased and we are forced to begin the loan process anew. This has been a taxing experience and should not have happened.

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 04/18/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Application, originator, mortgage broker

Complaint: We applied for a mortgage loan with Chase Bank in  XXXX . We were " pre-qualified ''. Once we found the property we wanted and a signed contract, we met with the loan processer and started the ball rolling. She gave us a list of the items we needed to provide and the " deadline '' for each and we me t each one. Each  time, we were asked for additional documentation, we provided it immediately. She had a little panic moment once when she thought they were not going to approve the loan because the appraiser told them he could not find comps, which he eventually did and furnished an appraisal. At one point, the told us we needed to withdraw funds fro m our 401K to  pay off our truck which is financed at 0.9 % interest! We were able to produce additional proof of income to offset the truck payment. ( our daughter lives  in one of our ho uses and we had never had her sign a lease, which we did to prove income ) Just when we thought we were ready to close, she contacts us and says the loan is approved, but they are asking for a survey. The survey took  2  weeks to obtain and cost {$2000.00} plus the seller requested additional earnest money because it was taking so long. We provided the survey and the next day, she contacts us and says they are denying the loan. Why? Because even though my husband is " retired '' ( drawing   XXXX   benef its ), he rem ains listed as " active '' on the independent contracting firm 's roster that he has worked for the last 14 years. While he is receiving SS benefits, he is allowed to earn a nominal income to supplement. We have demonstrated the ability to pay at every turn. We have ample assets to protect their interest. There is NO reason ( especially the one the g ave us ) to d eny this loan. It ha s been two months  and we need to get this done. We are out {$2000.00} at their request plus the additional monies we had to send the seller. We need to close this loan!

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: My father left me a trust fund with a local bank which was then taken over by JP Morgan. They have been handling the trust since then. One aspect of the trust is that the bank is required to send me half of the current principal on my XXXX birthday. JP Morgan has violated the terms of the trust by not complying with that clause. They have not communicated with me except to ask for my driver 's license. I initiated a phone call with the bank over 6 weeks ago reminding the administrator of the terms of the trust. He said he 'd " look into it '' and I have n't heard from him since. I would like for cfpb to investigate this bank regarding my trust fund and the administrator, XXXX XXXX. I would like an audit of the bank 's performance and handling of this trust. The amount of the trust as of the last quarter was approximately {$350000.00}. That means over {$170000.00} is due me on my XXXX birthday. That was yesterday, XX/XX/XXXX. I called and left a message and sent an email to XXXX XXXX, XXXX XXXX 's assistant. No reply. If I do not receive this money, I can not retire. I have my eye on a house that is for sale and I could lose out on this house if I can not put a down payment on it in a timely fashion. Please contact JP Morgan and it 's employees XXXX XXXX and XXXX XXXX and investigate the violation of my father 's trust. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Bank account or service (Checking account) with NETSPEND CORPORATION (TX).
Issue: Deposits and withdrawals

Complaint: I put an XXXX iPhone 6 plus on layway for my daughter for {$710.00} at the XXXX store. I made several payments with cash and debt cards. After I completed all the payment and I received the phone. When I tried to activate the phone with my provider, XXXX informed me that the phone is locked under t-mobile. I returned the phone to XXXX for a refund. They said it would have to be replaced on a credit/debit card. I informed the manager the payments we made mostly with cash and there were different cards yused. He told me it did n't matter which card. I gave them a netspend card in which the total purchase amount was refunded to the card. In about 24 hours the refund posted. At that time netspend put a block on the total balance {$920.00} in the account instead of blocking or have the refund pending. I am truly outraged and I 'm infuriated. I have no access to any money. I call customer service to resolve the issue. It should be against the law for them to not allow me access for my funds that were in the account before the refund. I provided them receipts. It is as easy as making a phone call to get validation on the transaction. Now I have to pay a fine for court tonight @ XXXX but I have no money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My wife and I were customers of XXXX XXXX. The account was originally under my name, XXXX XXXX. In XX/XX/XXXX, my wife was hired by a school district in North Carolina. She became eligible for a discount for XXXX XXXX. In XX/XX/XXXX, we switched the account to her name, XXXX XXXX. This caused a change in accounts with XXXX. XXXX then charged a termination fee, which was then reversed. However, in XXXX XXXX, I received a letter regarding an unpaid debt from Diversified Consultants , Inc. on behalf of XXXX. I contacted XXXX, and they confirmed that my account was in good standing, with a zero balance. I sent Diversified Consultants a letter to state this. I never heard back from the company. I now received a letter dated XXXX/XXXX/XXXX from Diversified Consultants, again trying to collect on this " debt. '' All the while, I and my wife remained customers of XXXX XXXX, and have no outstanding balance or owed monies. I am being harassed by Diversified Consultants , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We were advised in writing by Ditech of the incentive payment ( via principal reduction ) of {$5000.00} via the HAMP program for keeping our mortgage payment current for XXXX or more years. This principal reduction was given to us in XXXX, 2015, and then added back to our account balance XX/XX/2015. We feel Ditech has not acted fairly with us or communicated with us in writing about why this was done. We made decisions based on this principal reduction and did n't notice the {$5000.00} was added back on to our mortgage balance again until XX/XX/XXXX. We have been contacting the company since then and have just been verbally told that when the loan was sold by XXXX to Ditech, XXXX gave Ditech the wrong account numbers for this credit. 
As we are now selling the home, we were told we would not ever receive this credit when this is sorted out if we no longer have an open account. But I contest this statement, as in fact we were already given the credit, and then it was retracted without explanation. Additionally, we met the terms of being current on the mortgage for the required time ( and more ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: TransUnion shows an incorrect address in my history. They show an address in a state in which I never lived. There is no way to remove it because no person answers the phone and the phone options do not inlude change of information. My sister is having a similar problem. There is no one to speak to and the option that is needed to further the call does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone is trying to open a credit card under my name on  XXXX  and   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (KS).
Issue: Loan servicing, payments, escrow account

Complaint: I received my XXXX mortgage interest statement from Select Portfolio Servicing. I have a 2 % interest mortgage with an Outstanding mortgage principal as of XX/XX/2016 of {$37000.00}. Box XXXX of the Form XXXX is the Mortgage interest received from payer/borrower and has an amount of {$4200.00}. 
That number is completely incorrect. Even if the reduction of principal is ignored on the {$37000.00}. That amount at 2 % is {$750.00}. 
Would you be so kind as to explain in detail how the {$4200.00} amount was calculated? Why does that amount exceeds my total yearly payments paid of approximately {$3300.00} ( that includes principal, interest, insurance and taxes )? 
Why does SPS make so many mistakes in their record keeping?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had a XXXX XXXX account from XXXX XXXX, XXXX through XXXX XXXX, XXXX. From XXXX XXXX through XXXX XXXX. They reported I was 30,60,30,30,60,90 days late. Which shown up on my TransUnion report. It shown bad marks from them on my XXXX report. I do n't have access to the XXXX credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (Other debt) with Pinnacle Credit Services, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I've sent letters to this company and have not heard back. After having my credit report pulled, I found that they have a debt listed that does not belong to me. I've never had an account with XXXX. I've been a XXXX customer for years. Matter of fact, when I recently tried to switch to XXXX, they gave me two brand new XXXX with no money down. If I had issues with them, I believe they would have noticed a previous account. ( I ended up returning the devices within the week, after deciding to stay with XXXX ). This was in XX/XX/XXXX. This account on my credit shows that it was reported on XX/XX/XXXX The fact that they have not tried to resolve this is causing me extreme financial distress. I want this account removed off all three of my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Bank account or service (Checking account) with PNC Bank N.A. (NJ).
Issue: Problems caused by my funds being low

Complaint: The numerous lawsuits, federal mandates, and horror stories from customers unable to feed and clothe their children has not stopped PNC from unethical accounting practices that maximize their fee collections. I was giving PNC one last chance in the first quarter of 2015 to prove to me like their representative said that they have changed their practices. However, I ran into an issue with my paypal account which resulted in a number of fees. But this was n't even the start - they have gone so far as to execute unauthorized transfers from one account to another without my knowledge that caused over {$200.00} in fees just in this month of XXXX. Each fee is {$36.00}, with an additional {$7.00} a day each day that the account is in the red. From XX/XX/XXXX, I have deposited over {$40000.00} to them, which under many circumstances would make me a relatively valued client. All they seem to see is an easier chance to move money around from account to account without the client noticing. From the XX/XX/2015 until XX/XX/XXXX, I have paid {$2400.00} in fees alone. Thankfully I am blessed and have a well paying job, but there are alot of people out there whose children would n't be able to eat. This has gotten to the point where I am struggling financially now because of their deceptive practices. I would like for the vast majority of fees to be returned, and then for myself and a PNC advisor to sit down and figure out what we can put in place to eliminate all future fees. If this can not be done, I will unfortunately have to cut my 6 year tie with PNC and move on. But it is blatantly obvious what they are doing is wrong, but the fee revenue far outweighs the puny court mandated fees. The system is flawed and attention must be brought on this subject. PNC is a catalyst to Poverty. How can you just take almost {$2500.00} of some ones hard earned money?? Bottom line is that they have used unethical practices to maximize their fees. I have bank statements that show each move and have identified each unlawful fee.

Company response to consumer: Closed with explanation