milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/17/2016 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I applied for a mortgage in XX/XX/XXXX and this company started reporting a {$330.00} debt on all XXXX of my credit bureau reports. I then called them and asked for verification that the debt was indeed mine and proof that I owed the debt. Their response was that they had sent me a letter but I had never heard of them or received anything from them prior to my calling. I explained this to them and they told me I had to file a police report (? ) to get this removed from my report, as if my identity had been stolen. They refuse to verify the debt and send me proof that it is mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Today, as alerted by my calendar, I tried retrieving online my free annual credit report from Equifax. As usual, they refused, asking me to apply by snail mail. No reason is given ( " We are not able to deliver your free Equifax Annual Credit Report online '' ). 

They do ask 4 " identity '' questions, 2 of which are related to items in my credit report and I can answer precisely, another 2 aren't ( this is determined with a copy of my most recent Equifax credit report that was sent to me by mail ), and are best answered as " None of the Above ''. 

Equifax ( as well as XXXX  ) do this every year ( All of XXXX 's questions are relevant and can be answered precisely, and XXXX 's report is always available online ). Equifax  ( and XXXX  ) just plain refuse to show me my credit report online. Will this Bureau put an end to this abuse?

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PENTAGON FEDERAL CREDIT UNION (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have an unauthorized credit inquiry on my XXXX from Pentagon Federal Credit Union dated XX/XX/2017 that I did not authorize.

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 05/21/2017 about Debt collection (Other debt) with NCC Business Services, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: NCC BUSINESS SERVICES XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Reporting to my credit X/XX/17. Negative impact to my credit by NCC Business Services. I never received any written knowledge of this debt. I do not have any known knowledge of this debt nor the reason as to why I am being affected by the debt. I request validity of the debt, including signatures, photos, any pertinent information that can confirm the validity and ownership of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Debt collector continues to call multiple times a day, before and after hours. I have not received any correspondence from them but I imagine that is because I am moving forward with Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received publication in the mail regarding re-financing my vehicle. I went to  XXXX   XXXX   XXXX  to discuss options ... EXPLAINED up front ... " Do not run my credit report all over the globe ... Just with my current loan provider "  XXXX   XXXX  ''. I started receiving rejection letters from an  XXXX   XXXX  in regards to my request dating  XXXX   2017 . I have  XXXX  inquiries from an  XXXX   XXXX , an inquiry from an  XXXX   XXXX , and inquiry from  XXXX  and a  XXXX   XXXX . I was adamant about inquiries because I am cleaning my credit for preparation to purchase a house. I have a long way to go and I do not need additional problems. Any assistance would be greatly appreciated.

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 09/14/2015 about Debt collection (I do not know) with P&L Acquisitions LLC (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Received a threatening letter stating I would be sued if I did n't pay on?? Something I do n't know. Never have received anything from this company before. Do n't understand the threatening letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: asked for documents to prove it was my dept

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 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: Submitted written documents to dispute invalid inquiries from 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 explanation
Consumer complaint received 07-11-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Struggling to pay mortgage

Complaint: My current loan servicer obtained my loan while it was in default from    XXXX   XXXX   XXXX   .   I have sent numerous RESPA letters to try to obtain my entire loan history. However,  XXXX  can only provide their servicing documents and escrow account documents. The monthly loan records from    XXXX   XXXX   XXXX    and the original servicer   XXXX   have not been produced.  XXXX  offered me a Trial Modification and the letter states that " Funds  may  be held in a non-interest bearing account until they total an amount that is enough to pay the oldest delinquent monthly payment.   XXXX   can not provide a schedule showing the monthly amounts due to effectively apply the Trial Modification Payments.  <P/> In addition, their foreclosing law firm,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX . did not send a Notice of  Default  and 30 Day Right to Cure letter. Copies of the attached letters have been sent to the foeclosing law firm requesting a loan history and they as the debt collector can not provide such information either. Why is the loan history since inception of the loan missing?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: XX/XX/XXXX XXXX {$1500.00} ), XX/XX/XXXX ( {$1600.00} ) - I was informed initially by the organization that my account had insufficient funds available to process the above payments. After speaking with numerous representatives at the organization, it was disclosed to me that here was an error in their system with using the ABA routing numbers attached to my account. Thus making their claims that insufficient funds available a falsehood. As a result, the organization did a hard copy credit report analysis on my credit standing. In response, the organization reduced my credit level by approximately 92 % by making false statements about my payment history, not only within the organization, but by other accounts listed in my credit report ( XXXX  ). As a result, I pulled my credit report through the company that they use and there are NO late payments reports from ANY creditors listed on my report. This organization is reporting misleading and false information to my credit report and making misleading and false claims upon my payment history as reported by XXXX. This organization has continued to make these false claims, regardless of any resolution attempts to correct the mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am writing to you because I feel that I have been severely wronged by Wells Fargo. I had lost my job and was 2 months behind on my mortgage and doing my best not to miss another payment for fear of falling into foreclosure. I had also had to file bankruptcy due to my financial situation. One month I could not pay the mortgage until the XXXX of the month and the lender sent me a notice of pre-foreclosure and said they could not accept my payment because my file had fallen into pre-foreclosure. I tried for over a year to get the hardship assistance from Wells Fargo and they played constant games with me. They told me I had to be at least 3 months behind before they would review me for any assistance. They also kept switching customer relationship managers every month. I could never get the same person on the phone. Even though I sent paperwork multiple times they claimed they never received it. When I did get them to acknowledge that they received it, the next time I called in, the next rep would tell me they lost my paperwork. They also would tell me that certain documents were not received on time and made me apply and re-apply over and over again. Wells Fargo made this process very frustrating for me. I am a good person and believe in paying my debts, but the way Wells Fargo has treated me, I do n't think they want me to keep my home. I have a legitimate reason for hardship and my mortgage is 55 % of my gross monthly income. If Well Fargo would just do the right thing and lower my interest rate and payment from the 5.25 % adjustable loan I am in, then I would be able to afford my bills and the mortgage with money to spare. I think the real reason Wells Fargo is denying me is that they see that I have some equity in the home. From what I understand, this is not a valid reason to deny my hardship. I know that I meet all of the federal criteria. I just want to keep my home. Please help me get this resolved with Wells Fargo. I know they were fined a lot of money by the government last year specifically for playing the types of games they are playing with me, but I guess that fine was n't enough because they are still violating the agreement with the government. Please help me keep my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (RI).
Issue: Struggling to pay mortgage

Complaint: We have been experiencing extreme hardship, me with an injury that left me XXXX which forced me into early retirement after XXXX yrs as a XXXX XXXX for the XXXX XXXX XXXX, then a XXXX XXXX XXXX XXXX to on/off to date ; my husband 's loss if his job last XXXX XXXX re-employed as of XXXX XXXX ). Thus we applied for a modification through our mortgage company, Nationstar in XXXX of XXXX. In our humble opinion, we received horrible service in our attempt at modification ; scanning in their computer which was never downloaded which held up processing, us constantly scanning, rescanning & faxing docs, talking to people who were rude, totally unprofessional, unknowledgable, being told frequently that part of the mod packet had expired & had to be resubmitted, etc, etc. We were told by one representative that Nationstar demonstrated this common behavior on purpose to gain more interest on the account, XXXX they certainly did. 1 year & a half later this matter has not been resolved ; we never received any response. We refiled in XXXX of XXXX, the new company, XXXX XXXX claims Nationstar sent out a decline in XXXX, XXXX. We NEVER rec ; d it. The company has now become XXXX XXXX, and I must say they are more customer friendly ; however misinformation is still rampant. 
We contacted HUD in the summer, that representative was no help. He resubmitted another mod & left us hanging with no action on our behalf. After receiving a foreclosure notice at the end of XXXX, we contacted another HUD representative who filed another mod on XXXX/XXXX/XXXX. We were told by the HUD official the the mod was declined for " insufficient processing time '' before the foreclosure, According to my research of federal regs, the consumer has up to 10 days before a foreclosure to file a modification. 
We contacted XXXX XXXX and relayed the same. At first they continued to refer to the 30 day allowance they had used for the purpose of the decline. Then a XXXX kindly stated she would look into it. We are waiting to hear the outcome, and would greatly appreciate any assistance provided.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Application, originator, mortgage broker

Complaint: Chase refuses to provide a closing date for a simple refi of existing loan held by Chase even after 100+ days. Chase has said there are no problems with my application, just they are very busy. Rate lock has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CO).
Issue: Billing disputes

Complaint: This is written notice to American Express that your claim has been disputed under the Fair Credit Reporting Act ( FCRA ), The Fair Debt Collection Practices Act, Fair and Accurate Credit Transaction Act, and Colorado state Statutaes. I have the right to dispute any inaccurate information that is being reported in my credit file. I have requested that a COMPLETE VALIDATION of this account. In which has been being illegally displayed on my credit reports ( XXXX, XXXX, and XXXX ) be VALIDATED, and if VALIDATION can not be made within the 30 day time frame allowed to American Express by law. The disputes listed in my original complaint must now be completely removed from my credit reports. ( American Express you have now legally exceeded the time frame allowed to you by law ). 
Your legal staff will agree that compliance with this request is required under the laws of the FCRA, FDCPA, FACTA and Colorado and Federal Statutes. 
I HAVE DISPUTED THIS ACCOUNTS INFORMATION WITH AMERICAN EXPRESS SEVERAL TIMES ( CFPB REF NO : XXXX ) IN REGARDS TO THE INACCURATE INFORMATION IN WHICH YOU CONTINUE TO ILLEGALLY REPORT ON MY PERSONAL CREDIT REPORTS! AMERICAN EXPRESS HAS WRITTEN BACK TO ME STATING THAT THEY HAVE GIVEN ME A COURTESY OF REMOVING {$8.00}, BRINGING MY BALANCE TO {$0.00}. AS OF MY RECORDS, AMERICAN EXPRESS HAS NOT GIVEN ME ANYTHING, BECAUSE AS OF XXXX XXXX, 2016, WHEN I CONTACTED CUSTOMER SERVICE, THEY STATED TO ME THAT THE CURRENT PAY OFF AMOUNT FOR THIS ACCOUNT WAS {$2200.00}, '' I THEN ASKED THE REPRESENTATIVE IF THIS INCLUDED ALL OF THE FEES THAT WOULD BE ASSOCIATED WITH MY ACCOUNT ''. THE AMERICAN EXPRESS CUSTOMER SERVICE REPRESENTATIVE THEN STATED TO ME THAT " YES THAT WAS ALL THE REQUIRED FEES THAT WERE ASSOCIATED WITH MY AMERICAN EXPRESS ACCOUNT '' AT THE TIME OF IT 'S " CLOSING ''. I WOULD NOW LIKE TO ASK AMERICAN EXPRESS, HOW ARE THEY TRYING TO CHARGE ME {$8.00} FOR AN ACCOUNT THAT HAD NO PRIOR PURCHASES MADE ON IT BEFORE THE ACCOUNT WAS CLOSED, OR AFTER THE ACCOUNT WAS CLOSED. AMERICAN EXPRESS IS CONTINUING TO REPORT THAT I WAS LATE ON THIS ACCOUNT AFTER THE ACCOUNT WAS ALREADY CLOSED XX/XX/XXXX! AS YOU AMERICAN EXPRESS ARE IN FACT NO DOUBT AWARE, THAT THIS IS KNOWINGLY AND DIRECTLY VIOLATING THE FDCPA, FCRA, FACTA, AND COLORADO STATUTES, TO CONTINUE TO REPORT THAT THIS ACCOUNT IS ACCURATE WHEN IN FACT THERE HAS BEEN NO PROVIDED PROOF IN THE TIME FRAME ALLOWED TO AMERICAN EXPRESS BY LAW THAT IT IS! 

AS YOU AMERICAN EXPRESS ARE IN FACT NO DOUBT AWARE, THE DOCUMENTS THAT YOU HAVE MAILED TO ME ARE NOT A COMPLETE VALIDATION OF THIS ACCOUNTS INFORMATION! I HAVE REQUESTED VALIDATION, NOT VERIFICATION OF THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Debt collection (Federal student loan) with Performant Financial Corporation (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am a widow who co signed on my grandsons school loan I am XXXX years old have minimal funds and these people call me all day from XXXX to XXXX on my cell XXXX XXXX and home XXXX XXXX - I have no way to contact my grandson - they call me with no respect to my health and threaten and try to intimidate me - I pay on every call that rings in on my cell -please make them stop ... .I 'm on the DNC list on both my numbers ... .the name of the firm is performance recovery .. 

Thank You XXXX XXXX XXXX XXXX XXXX Tx XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have been getting the run around with JP Morgan Chase bank on a home loan modification. The program ends at the end of the month and from Chase 's lack of action they are trying to run out the clock. Lost documents, documents not received, and they had my wrong number. There have been several folks working on my modification. The main person handling my concern had the wrong number to reach me at. Chase does not allow these representatives to email and this ends up wasting time.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (MD).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: The company calls me from XXXX to XXXX repeatedly non stop. I have told them I lost my Job several times and to take me off robo call. Also they were to relay the message in their notes. They still call me even after I make small payments though i dont have a job. The company also reported negative remarks on my credit even though i have been trying to make payments with no job and am totally compliant. I recently caught up on the payments and the next payment seems to be more than what I owe for the minimum. I payed up and they called me yet again non stop and filled up my cellphone mailbox the very next week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-04-2016 about Money transfers (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Wrong amount charged or received

Complaint: I have been sending money to XXXX to take care my mother who has XXXX XXXX via my sister 's account in XXXX. Recently, I have used Bank of America, first one on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and noticed OTHER FEES charged {$15.00}, {$15.00} and {$20.00} respectively on top of transfer fees {$45.00} each. My sister was able to get the document from XXXX Bank showing the actual amount each time it went thru and it was less deposited due to " OTHER FEES " as above. I asked Bank of America what is that for? It said Intermediary Bank Fee. I asked which intermediary Bank was it? It ca n't answer me. That was the answer from the " wire room specialist '' The XXXX statements showed It went straight from Bank of America to XXXX Bank minus OTHER FEE CHARGES every time, NO Name of other Bank i.e. third party bank showed.Why am I getting double dip from this big bank? It is WRONG. My friend used XXXX and no other fee charges with XXXX for wire transfer.

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 06/16/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: I have a mortgage loan which is interest only and the balance is {$700000.00}. The interest rate is 5.75 and since the real estate market crash of XX/XX/XXXX/XX/XX/XXXX I have been trying to get it refinanced to the much lower rates that mortgages have been at since then. My mortgage lender is Bank of America. Everytime I have asked them to refinance the loan, they say that my debt/income ratio is high and they can not do it. 

That is ridicules since for the past 9 years I have been able to make my payments at 5.75 % rate and they tell me that I do n't qualify to make the payments at 3 to 3.5 % rates. 

Of course by delaying this matter for years they have benefited nicely by collecting 5.75 % on a good size mortgage.

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 12-09-2015 about Debt collection (Credit card) with DISCOVER BANK (AL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a notice this year from the IRS stating that Discover sent them a XXXX for an old collection where pmts had not been made since XX/XX/XXXX. I did not settle this debt nor did I receive a XXXX from the to file on my XX/XX/XXXX taxes. Also, Discover still shows that I owe the full amount of this debt as a collection on my credit report and is still updating with no mention of settlement for less than balance. The IRS says I owe them {$1000.00} and wants me to consent to changing my return. This debt has exceeded the Statute of Limitations and is set to be removed from my credit report XX/XX/XXXX. I have disputed this with the IRS and sent them a copy of my credit report showing this but they just keep sending me the same letter. I think it is wrong for them to side with Discover. Can you help me?

Company response to consumer: Closed with explanation