milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/22/2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (MN).
Issue: Loan modification,collection,foreclosure

Complaint: We applied for a loan modification through Shellpoint Mortgage Servicing on XXXX/XXXX/15. We received a letter dated XXXX/XXXX/15 advising that they received the complete modification packet and it could take 30 days for a response. The letter also said that " your property would not be sent to foreclosure or if it had been started, we will not initiate a foreclosure sale. '' We received a letter dated XXXX/XXXX/15 from an attorney 's office stating we were in pre-foreclosure status. I called Shellpoint on XXXX/XXXX/15 at which time I was advised that we were denied for the modification and our only options were a repayment plan, short sale or foreclosure. We wanted to try a repayment plan however, he said there would be legal fees added in. I did n't think they should be because his letter said that it would n't be sent for foreclosure until a decision was made. He said I could send in an appeal letter disputing the legal fees being added to a repayment plan so I sent an appeal letter on XXXX/XXXX/15. I called on XXXX/XXXX/15 & XXXX/XXXX/15 and was advised it was still pending a decision in the escalation dept. We received a letter dated XXXX/XXXX/15 on XXXX/XXXX/15 from the escalation dept advising that our request for a modification would remain denied. I called on XXXX/XXXX/15 and stated that we were appealing the legal fees ; the customer service rep said he recognized that and was sending it back to the escalation dept for review. I called on XXXX/XXXX/15 checking status and to try to make a payment ; I was advised that it was still pending and that we were not " allowed '' to make a payment. I also confirmed again that foreclosure proceedings were on hold. We received a letter on XXXX/XXXX/15 from the attorney 's office advising that there is now a sheriff 's sale date for our property. I called Shellpoint on XXXX/XXXX/15 and he said the decision was still pending. He also said that the " sheriff 's sale was n't until XXXX/XXXX/15 so we should have a response from the escalation dept by then. '' I asked why there was n't a hold on it and he could n't say. I called the attorney 's office right after and she said there was no hold on our file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Tried to fix, Experian agreed with me that i only had 1 late payment X/2014. They did not fix a incorrect payment they are reporting in 2014.

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 10/31/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: Chase Bank personal banker ( XXXX XXXX XXXX ; XXXX, IL XXXX ) refused to grant my wife and I a joint checking account because I declined to provide them with all details of any and all assets, including their balance and banking provider. This refusal came despite my wife and I being existing customers of Chase Bank ( my wife has a existing personal Chase checking account and I have a Chase Freedom Credit Card ). I found the questions to be particularly invasive given we were not applying for a loan, but were wanting to open a joint checking account. Moreover, we are existing customers ( I myself have an unsecured credit card with them for {$17000.00} ). The banker stated that he needed all my asset information so that they would know how to best provide my with their various products. So basically I was not given a checking account because I declined to give them information that would permit them to market me their other products.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (IA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I WAS CHARGED FROM A COMPANY THAT I NEVER DID BUSINESS WITH AND I HAVE NO IDEA WHO THEY ARE. I CONTACTED DISCOVER CARD AND THEY TOLD ME THEY COULDNT HELP ME BECAUSE I DID MAKE THE TRANSACTION WHEN I DID NOT. THEY ACCUSED ME FOR THIS CHARGE AND TOLD ME THAT I AM JUST TO OLD TO REMEMBER. HOW DARE THEM SPEAK TO ME THAT WAY. I NEVER DID BUSINESS WITH THIS COMPANY. THE COMPANY NAME WAS XXXX XXXX XXXX AND THEY CHARGED MY CREDIT CARD XXXX ON XX/XX/13. PLEASE HELP ME GET MY MONEY BACK. THIS IS SENIOR CITIZEN ABUSE

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX placed duplicate inquires on my credit file, as well as my husband XXXX XXXX XXXX ' credit file for a joint credit application, over 2 consecutive days last year. This resulted in a total of XXXX inquiries for the both of us for the purchase of a XXXX pickup. The dealer, XXXX XXXX did the first credit check, resulting in XXXX hard pulls in XXXX XXXX on our reports. Then, XXXX had duplicate inquiries on each of our credit files for XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. We did not authorize duplicate hard credit pulls. We only authorized XXXX. The duplicates may have been due to my husband 's credit alert from a prior identity theft, I 'm not sure. However, the truck purchase should not have resulted in XXXX hard pulls between the XXXX of us. 
Regardless, we contacted XXXX who sent the attached letter dated XXXX/XXXX/XXXX, stating they would notify the credit bureaus to have XXXX of the duplicate inquiries removed from each of our credit files. Equifax has failed to remove the inquiries on both of our reports to this date. I filed a dispute online on XXXX/XXXX/XXXX with Equifax , stating I did not authorize the duplicate inquiries on my report from XXXX XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Equifax sent me the attached email stating that they received my dispute and that their investigation was continuing as of XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX, I checked the status of their investigation and was surprised to see that it had actually completed the same day that I filed it, on XXXX/XXXX/XXXX, and that I was never notified the investigation was complete or of the results. In fact, on XXXX/XXXX/XXXX I was notified that it was still ongoing, see attached. The results of their investigation said that I should contact XXXX if I felt the access was unauthorized. I attempted to file a reinvestigation request and to attach the letter from XXXX, however Equifax 's online dispute service would not let me file this dispute and add the information. 
I would like these duplicate inquiries removed from both my report, and my husband 's, as requested by the accessing creditor, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit card () with PENTAGON FEDERAL CREDIT UNION (NJ).
Issue: Billing disputes

Complaint: My credit card from Pentagon Federal Credit Union was hacked. On XX/XX/2017 at least XXXX fraudulent charges were made and a third attempted. When a vendor notified me of the attempted fraud I immediately cancelled the card and a new one has been issued. On the same day Penfed caught XXXX of the fraudulent charges, it let another XXXX, for XXXX that amount, go through as a legitimate charge and billed me for a {$490.00} purchase I never made. ( See accompanying letter and statement. ) They are grossly incompetent investigating fraud and their attempt to have me pay for such an error amounts, essentially, to a violation of the federal mail fraud act.

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 monetary relief
Consumer complaint received 03/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been called every day around XXXX about a cellular phone debt that I do not have. I never did any business with the phone company in question.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Credit card () with PNC Bank N.A. (DC).
Issue: APR or interest rate

Complaint: As a way to improve my credit score, I signed up for a PNC credit card. I already had a bank account with them and they had been sending me offers through the mail. The idea behind this was to both raise my credit ceiling, improve my debt-to-credit ratio and to take advantage of a 1-year 0 % APR offer. I opened the card XX/XX/XXXX. 
But the card they gave me only had a {$1000.00} limit. My total credit card was about {$3000.00}. 
When I received my credit card package, I was first told that I had a 60 day grace period to move balances. So, immediately I moved over {$1000.00}. I paid it down and called back at about the 6-week period. An associate then told me that I actually had until XX/XX/XXXX to move over balances. 
So yesterday ( XX/XX/XXXX ) I called back and they told me it was actually a 90-day period through XXXX XXXX. But that I was still within that window if I wanted to do a transfer. We had gone through the transfer prompts and I had given her the information. Right before we completed the transfer, she told me that since I had just made a {$220.00} payment, she suggested I called back the next day to make sure that that had gone through. 
When I called back today, they told me that I had missed the 90-day period by 5 days and that there was nothing they could do to change it. What I do n't understand is how the woman was able to nearly complete my transaction yesterday, but today nobody had any recollection of it nor could they replicate it or show any record of the interaction at all. 
If you take them for their word, it shows that their phone tellers are absolutely clueless. If you look at it cynically, then it looks like there was an effort to stop me from utilizing the 0 % APR offer to my advantage. 
Unfortunately, I got the reference number for today 's call : XXXX. Yesterday, I had n't foreseen any difficulty.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Back in XXXX XXXX, I contacted LexisNexis to place a security freeze on consumer file and suppress consumer file. I applied for an apartment which uses XXXX screening. I requested from them a copy of my Report/File Copy of the information they had for me. When the sent me my information it stated that information was furnished to them via LexisNexis. I never gave authorization nor gave them permission to remove security freeze or unsuppress my consumer file. They have clearly violated my trust and right as a consumer. The have also violated several sections and articles of the FCRA. I have already contacted my attorney about this. The info they provided is info that is not to be disclosed to anyone without my written permission which was not given. I even have the letter with the pin they sent that stated that it was frozen and suppressed.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Applying for a mortgage

Complaint: See case number XXXX. This issue has never been resolved or addressed by BofA. I have submitted the complaint twice and still no resolution. XXXX XXXX called and left a voice mail. I called her several times because she never returned my calls, which is why I submitted a second report. She finally called and said she had been out and would get back to me. I 'm still waiting. The complaint shows open. This has been going on since XX/XX/XXXX. I want a satisfactory resolution and I want a phone call from someone telling me what you can do, not what you cant do. I will keep writing until this is resolved to my satisfaction.

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 11-10-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I received request from Diversified that they were trying to collect this debt that is not mine. I mailed them a certified letter that was signed for requesting them to verify this debt with proof of application, signature on application, all accounting information of this debt. This was signed for by someone in there office as I have the receipt. They did not send me proof of validation of this debt and this was previously deleted from my credit by a different agency as they seen this was not my account. Now today I see this has been added to my credit report! this is violated my FCRA rights and I need answers!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2017 about Mortgage (Conventional home mortgage) with BBVA COMPASS FINANCIAL CORPORATION (AL).
Issue: Trouble during payment process

Complaint: According to the response to my complaint, BBVA-Compass stated my mortgage was discharged XXXX XXXX, 2014 because my account ( # ... .XXXX ) was 133 days past due. 
I dispute the claim that my account was 133 days past due on or about XXXX XXXX, 2014. Copies of checks which indicate that my mortgage was current at the time BBVA-Compass discharged my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Credit card () with JPMORGAN CHASE & CO. (NE).
Issue: Advertising and marketing

Complaint: On XXXX XXXX I Chase Sapphire card and I was reading the details but could not find the answer to a specific question that I wanted. Trusting their customer service personnel would provide me with the correct information I called them. They told me that the XXXX dollar travel credit offered with the card renewed based on calendar year. Since it was near the end of the year he explained it would be advantageous for me to sign up. I signed up because I was told I would get a XXXX credit for XXXX and a XXXX credit XXXX. After signing up and following all instructions I contacted them to inquire about the XXXX credit statement and was informed that I am only allowed the XXXX credit for XXXX because it renewed based on billing cycle. They proceed to explain it was my fault for simply trusting their employee and not validating it with the terms and conditions. The submitted a work case to review the recorded phone call. 1 week later a manager named XXXX on XXXX XXXX XXXX at XXXX central time called me. She informed me that she had validated the employee did in fact tell me the wrong information but I would not be provided the XXXX travel credit for XXXX. Chase deliberately misinformed me to get me to sign up, and then refused to honor what they offered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/25/2016 about Consumer Loan (Vehicle lease) with United PanAm Financial Corp. (MN).
Issue: Problems when you are unable to pay

Complaint: I previously had a vehicle loan with United Auto Credit. I had fallen behind and had my car repossessed. I understand that, and am not disputing that. What I am upset about is the way they are going about trying to get the money that is still owed, according to them. I am now getting emails, with no indication of the mini-miranda, not even verifying that it is me and saying amounts I owe. Very unprofessional and honestly I 'm glad I still have that email. If not, who knows who that info could have gone to.

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 06-11-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: About two years ago I applied for a HAMP modification ( for my mortgage ), working with a credit counselor.Eventually I was approved .After that, I was told by credit counselor to apply for a XXXX for my second lien, ( Equity line of credit ) .They use the same paperwork.My second lien was from another banking institution then the first. The credit counselor sent me a copy of the government book with all information. We conference called that institution several times. Constantly getting the run around.Everybody had a different story of how the program worked. Every time we called we spent hours on the phone XXXX story after another. Most of the time they were just rude.It came down to my payment had to be over {$100.00}, it was short by {$4.00}, so they deny it. Was told to wait until rate went up to reapply. In turn my payment would increase qualifying me. The rate increased, my payment went up and I called the credit counselor. Again, we conference called the institution to let them know I should now qualify. Round and round we went. The credit counselor and I both kept records of all calls and different information we received .Once the intial call was put into the institution I started receiving a call about every other day from institution that they had phoned in error between XXXX XXXX & XXXX XXXX for about 4 weeks.Always, while I was at work like everybody else. When we called back they said that on my record they tried to reach out to me several times and did n't answer the phone. I explained I work during the day just as they do and the message said in error? Now they say have to be assigned a case manager and can proceed in XXXX through her.Months of the lies and stories. Set up appointment with her on XXXX XXXX, 2016 XXXX XXXX. XXXX XXXX a lady calls and says she is calling on behalf of case manager. I explain that I have a appointment set up for the XXXX at XXXX conference credit counselor and I and case manager. They never call Monday the XXXX. Credit counselor sends information to HAMP escalations team for a response and help.Now the story is I ca n't be reviewed again.I have read the handbook over and over, it says nothing about this criteria. I believe the credit counselor is aware of criteria and we have following all the guidelines.Just XXXX roadblock after another. Conflicting information.Through our calls several banking persons said I did qualify. I believe this institution is just wasting time so people give up because of the hassle.The modification before this, we ran into similar results in the beginning but finally reach a person to help.I have so much more of info. but trying to keep it brief. 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 explanation
Consumer complaint received 06-09-2015 about Credit card () with U.S. BANCORP (KY).
Issue: Other

Complaint: I received a letter from U.S. Bank stating my credit card account is delinquent. I called and inquired as to how that was possible when I have " autopay '' activated. I was informed they notified me 6 months ago that the feature was being turned off and I would have to turn it back on. I never received this notice and I been presuming that my payments were being made as per my instructions. In the interim they have been charging me late charges and interest for each month. I have spoken to XXXX representatives who essential told me " tough luck. '' XXXX, I immediately paid the entire balance once I was made awarre of this debacle. If they were turning my " autopay '' off, which I deny receiving notice, why wait six months to let me know? I further believe that have reported on the trade lines that the account is delinquent, thus affecting my credit rating. I would like for the fees and interest to be refunded as well as the trade lines removed from my credit report. I might add that this smacks of class action to me because I am certain I am not the only person duped in this manner. Once this matter is resolved I intend to cancel the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (I do not know) with AFNI INC. (NE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Agency contacted me to get a hold of my sister. Phone # they called from was XXXX, or AFNI. My voicemail clearly states my name and not my sister 's name. Regardless, the agency left me a voicemail stating they were looking for my sister and then proceeded to say " This is a call from a Debt Collector ''. I have read and studied the FDCPA and I am pretty sure this is a violation of the Act. They have her phone #, which is in service. Her mailing address and all identifying info is up-to-date. There would have been no reason to contact me, let alone, to state that they were collecting a debt. It serves no purpose. I will be contacting my attorney with regards to this matter. I have not deleted the voicemail. The company needs to be held responsible for the collector 's training and negligence. If they did this to my sister, then they are doing it to everyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MD).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: XXXX Purpose : Please give me my interest XXXX points. 

My PREFERRED credit card was closed on XX/XX/XXXX by Citibank, but my interest was XXXX points after negotiations they refused to give me, now asking CFPB to help solve. 

I 'm sorry I do not speak XXXX too, I need XXXX help Above from : 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 08-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Tax Lein paid off before sent to collections dating back to 2009.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation