milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/15/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I called PNC customer service XX/XX/XXXX to inquire about removing the PMI from my loan since my Loan to Value had reached XXXX %. My loan amount is {$190000.00} making my LTV XXXX %. It was scheduled to be removed automatically on XXXX/XXXX/XXXX but I figured I would try to get it removed earlier. After discussing this with the representative and learning a new appraisal would be required, I told her not to send me the information. She said it was too late as she had already pressed the button. She said it would n't change anything and only provide me the steps to take to remove the PMI. On XXXX XXXX I received that letter from PNC about the PMI. The letter stated that my LTV was no longer XXXX %, in fact, it was now XXXX %. They also stated I could get an appraisal using a condo appraisal form for {$500.00}. First, my home is not a condo, it is a single family residence inside a PUD. I am in the mortgage business and I know that appraisals do not cost {$500.00}. I proceeded to go online to my account and noticed that someone within PNC had changed the automatic removal date of the PMI to a whopping XXXX/XXXX/XXXX. They are saying I need PMI for another 21 more years! I tried calling PNC customer service and after being put on hold for almost an hour, I decided to hang up and call back during the day. I am so upset with PNC after making timely payments to them for the past 6 years. They modified my mortgage back in XXXX due to a hardship during the financial crisis. From XX/XX/XXXX to last month, the PMI drop off date was scheduled to be XXXX/XXXX/XXXX. See attachment # XXXX. I ca n't afford to keep paying PMI for another 21 years and it is illegal for them to do so because the loan to value based upon the principal balance of the first lien is {$190000.00} and the value of my home when I purchased the property in XX/XX/XXXX was {$240000.00}. I want this fixed immediately and PNC customer service has not met my expectations therefore I am filing a complaint with the CFPB in homes PNC understands how serious this error is. I have attached the new statement showing scheduled XXXX % LTV date of XXXX/XXXX/XXXX and a prior statement showing XXXX % LTV date of XXXX/XXXX/XXXX which has been this way since XXXX/XXXX/XXXX.

Company response to consumer: Closed
Consumer complaint received 01/20/2016 about Mortgage (Conventional fixed mortgage) with TD BANK US HOLDING COMPANY (DE).
Issue: Credit decision / Underwriting

Complaint: At the time my XXXX & XXXX year old parents got a 1st line home equity 10 yr interest only loan through TD Bank 5 years ago. This past XXXX TD Bank asked for income documentation for the 5 yr renewal period for the last 5 years. So with dad just passing away my XXXX year old mother sent in the income information as asked. They then came back and said " sorry you do not still qualify for the last 5 years of a payment around {$650.00} a month, we have to convert your loan into a 10yr fix at {$2500.00} a month. We are baffled as the promissory note states TD Bank has the rite to allow the final 5 years however they state that mom does make enough money to pay the {$650.00} a month so here is the new loan at {$2500.00} a month. So then in XXXX they said we could apply for a loan modification however the guidelines for that are being late on the mortgage which she was n't late so they DENIED her. So now we have a ten yr payment of {$2500.00} which we can not afford and they want to foreclose on her. All we want is the final 5 years of the deal she signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CAVALRY INVESTMENTS, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This was the first time I had to acquire a loan, XXXX had sent ads that I could borrow {$6000.00}. I went to the office and applied. The girl rushed me through the paperwork and I was not familiar with interest rates. I think the rate was 25 %. I repaid the {$6000.00} but was charged an additional {$8000.00} on the {$6000.00}. My dispute is that they have the loan posted XX/XX/XXXX, I obtained the loan XX/XX/XXXX or earlier which has been at least XXXX years. The {$6000.00} has been paid back, I explained the situation and said you have been paid back what I borrowed. I feel this is a crime what they have done to me, not only have they exceeded the money I borrowed in interest they have also ruined my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My student loans were paid off through wage garnishment two years ago. My credit report is inaccurate. When i disputed they changed my status to 180+ days late and my score dropped. XXXX will not remove these paid off accounts and they added false info when I filed a dispute. The same loan is also on my reports multiple times. I dont know where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MO).
Issue: Problems caused by my funds being low

Complaint: Case number : XXXX USAA Closed my checking account and caused my insurance to lapse due to their not telling me the policy was close to the end. Instead they send me a letter stating I must send them money including charges which I paid. I never received a policy that I had asked XXXX XXXX to send to me/ Nothing was ever given to me from USAA or XXXX XXXX . I paid the money for the policy should I not have a copy of what I have paid. 
USAA paid {$2000.00} to the hospital I was in after an accident that totaled my vehicle. 
I feel this was not correct as the policy I had stated the funds should be paid directly to me. 
When the party came from USAA I was XXXX. I was moving a small refrigerator into my bedroom. The refrigerator was very light. Yet your party ran off. 
I would have expected that person to at least identify themselves. XXXX. 
While XXXX is when that party called and told me they were glad to be rid of me. To me calling while I am suffering is not good.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: have sent over XXXX letters to both attorneys office and office of the collector -- got nothing back -- will not respond to anything. in court they act like they know nothing. lawyer does. have mail delivery receipts -- wont respond or anything. I made a payment via XXXX XXXX money order and it was cashed and deposited and nothing reflected. have copy of money order and mail delivery receipt and it still show I did n't pay and now they are trying to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit card () with CITIBANK, N.A. (AL).
Issue: Bankruptcy

Complaint: My company is apart of my bankruptcy case that was served with official notification from the federal district court as of 2012. As of today this account is being reported to the credit bureau as negative.

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 08/14/2017 about Debt collection (I do not know) with United Collection Service, Inc (FL) (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX, 2016 {$350.00} I called and notified the collection company that this is not my bill when it was received in 2016. This is a Bill for a XXXX XXXX XXXX in Florida. Which is not my name nor a name I have ever gone by. The last 4 of the Social Security number on my credit report that was also included on the report is not my last 4. When I spoke to someone at the company last year they said they would take care of this I even told them the last 4 of the social was inaccurate/ not my final 4.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HYUNDAI CAPITAL AMERICA (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX  and  XXXX  are reporting incorrect information concerning a car loan that I have with Hyundai finance. Each credit bureaus are reporting that I have mis sed 6 payment s and I have confirmed with the financial institution that I have only missed  2 p ayments which is correct. But both credit agencies are reporting different. I have disputed this account with both agencies with no changes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: On XXXX XXXX, 2016, I attempted to order my credit report over the telephone. I provided all of the correct, required information. I am eligible for a free report because I recently placed a fraud alert on my file. However, I received an automated message that stated they did not have enough information to provide me with a report. Additionally, Trans Union has refused to delete outdated, inaccurate, and fraudulent information, even though I have substantial documentation to show the information should not be on my report. I thank you in advance for your assistance in resolving this matter of importance.

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 02/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This three-year-old debt claim is from a purported close out bill from XXXX ( phone/internet/cable ) at a rental property I had in Florida. I never received a close out bill from them ( although I always received monthly invoices at my address of record out of state and paid in-full on-time every time. XXXX never directly contacted me regarding this outstanding amount. I received 3 calls from the bill collector. Each time I stated that I had not received a final bill from XXXX and would not pay any amount via a verbal phone request. I need to see a final payment adjustment invoice. I called ( and web site chat room ) XXXX regarding the this bill each time requesting a copy of the final bill. On one such call the rep admitted it had initially been sent to the rental property, not the address of record. Still, I never have received a copy of the bill. 

No one should be expected to pay something blindly without a formal bill in hand. I did everything a consumer could do short of flying cross country and knocking on their door. No company should be rewarded for bad business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Billing statement

Complaint: The department store credit card changed financial institutions that services the account and since that conversion, I have not received any paper statements nor an email notification that a paperless statement is available. It is now XXXX and my payment is due on XXXX and I have not received any statement telling me what my minimum payment requirement is. I understand that the statements are supposed be generated 21 days before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AFNI INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Roughly XXXX XXXX 2017 XXXX tried to charge me for breaking a contract. I contacted them and told them I did not sign a new two year contract. They insisted I did. I then asked for documentation showing this " alleged '' contract where I was informed I had done it over the phone. I then asked for verification. I said since you state that all calls are recorded and monitored I would like a copy of my call and was told no. I never received any service and REFUSE to pay for something I never signed up for. Since then they have placed my account in collections. I then contacted both XXXX XXXX and XXXX where I was told it would be disputed. I was sent a letter and absolutely nothing was done. I called again to ask why and they had no answer. I do n't know what I can do because this is effecting my life where I was turned down for mortgage. Please help. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian continues to report late payment history for XXXX acct XXXX thru and including XX/XX/XXXX regardless that the account was forgiven in full with a zero balance with a XXXX inXX/XX/XXXX. 

Experian also continues to report late payment history for the XXXX XXXX/XXXX acct XXXX for the months of XX/XX/XXXX& XX/XX/XXXX regardless that the account was settled in XX/XX/XXXX. 

Both of these constitute false reporting by Experian since the account was fully resolved, the balance is XXXX and there is XXXX past due amount. Both XXXX and XXXX have correctly stopped reporting delinquent payment history following the dates the two accounts were resolved ( see attached 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 06/24/2016 about Debt collection (I do not know) with CAINE & WEINER COMPANY, INC. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am being doubly charged for tuition. This was paid by my Student Loans. I attended XXXX University and took out XXXX XXXX loans to pay for the costs of tuition. I only attended the school for 3 months but am being charged XXXX from the school as well as XXXX for repayment on the loans. My student loans were applied to all tuition charges. I am paying off the student loans ( now Navient ) and am current on my payments. I disputed this debt several times including through the original creditor and have gotten no responses, additionally collection attempts on this erroneous debt were continued to be made after dispute and even during a deferment with XXXX XXXX while I was attending a different school. I do not and never did owe this debt as my student loans were applied to all of my tuition costs and I am paying those timely. This needs to come off of my credit report immediately as I never owed this bill. This is plain and simple an accounting error from XXXX. Therefore XXXX sold incorrect information to Caine & Weiner. I have attached proof of the loans that were applied to the tuition.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I co-signed for a loan in XXXX with WellsFargo for my ex-spouse for XXXX. 
WellsFargo provided more loans to her without verifying my consent or me as co-signer. XXXX, XXXX additional loan was granted to her with me as a co-signer ( Without my approval or cosign ) 1. WellsFargo as a BANK continued to use my credential to issue additional loans and DID NOT verify my signatures. 
2. WellsFargo NEVER asked me for my permission on these loans, BANKS should verify the person ( co-signers ) upon whose name they are providing the money. 
3. Most Likely it is a identity theft issue also when my ex-spouse applied for more loans with my signature forged. 

WELLS fargo now is after me on all loans that she took, wellsfargo says I was the co-signer on ALL, while I was not. I co-signed only XXXX loan. The borrower doesnt live with me from XXXX and the bank is sending me letters for payments. I am not responsible for any loan that I did not co-signed. 

I already sent documentation to wells fargo telling them to remove my name on the XXXX loans taken in XXXX. 

Attachements : Copy of XXXX promisory notes that wells fargo sent me. NOTE the signature differences.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX is reporting a debt balance of {$760.00} on all XXXX of my consumer credit reports. This debt balance was supposed to have been paided by XXXX when I switched from XXXX to XXXX in XXXX 2015. The debt balance was supposed to have been paided by XXXX as part of their Cut Your Bill in half advertisement. XXXX stated in their Cut your bill in Half promotion that when you switch to their company from your old cell phone provider that would pay the remaining portion of your prior bill. XXXX has not paid this balance and XXXX is reporting this balance to the XXXX consumer credit agencies. Since XXXX has not paid this balance then they are lying in their advertisement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (I do not know) with Resurgent Capital Services L.P. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: No I idea who this company is I personally did not have an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Credit determination

Complaint: 1. Secured credit card scrutinized by higher-than-normal standardsThis secured card has been in use since 2008 ... which is more than 7 years! Moreover, I have had the secured funds from XXXX other banks ( XXXX, XXXX XXXX XXXX ) already returned. When I called, I was told that the account is reviewed annually. However, I have never received any notification of their findings. I phoned today ( XXXX XXXX ) to ask about their policy. My request to have it reviewed has bee forwarded on to the appropriate department. I could not be given a time expectancy for this review.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (WI).
Issue: Trouble during payment process

Complaint: My mortgage loan has transferred between multiple mortgage companies and services in a short time frame. From XXXX, to XXXX XXXX XXXX  to Green Tree to Ditech in about late XXXX. In the process it appears that some of our payment history has been lost and continual changes in the format and communication of mortgage bills and escrow history have created what appear to be major errors in the reporting of my escrow balance. I wont this property with with a co-brorrowe who sometime around XXXX filed for bankruptcy. At that time, Green Tree discontinued detailed reporting of my payment history and escrow, but then after the bankruptcy was discharged began to state that my mortgage was past due and made reporting to the credit bureaus. 

Although I continued to make the mortgage payments, despite the bankruptcy situation with the co-borrow. While I did n't not agree with the reporting, I went ahead and made the increase payments in hopes of correcting my past due balance. Now, I recently received a notice from Ditech that my payments again past due. The customer service rep stated that it is due to a change in escrow amounts. I understand that taxes and insurance amounts can change and therefore create a difference in my payment on an annual basis. However, the Ditech statements are extremely confusing and all of a sudden the Ditech representative is stating that I have an escrow balance of over negative {$12000.00}. This makes absolutely no sense, if my payments are being adjusted to reflect and overage and/or shortfall of my escrow. So, how in the world can or WHY IN THE WORLD would Ditech continue to roll forward a negative escrow in that amount. That seems to be like an additional debt they are saying that I owe that I am not in a position to take on, or and I interested in taking on additional credit for this property. 

I have contacted them multiple times in the past and my co-borrower has also contacted them but keep receiving varying explanations. I feel like they are taking advantage of our situation with the handoff from Green Tree and the fact that they know a borrower will try to protect their credit and might just go ahead and pay WHATEVER they say is owed. I have never heard of a mortgage company accusing a borrower of owing an escrow balance of {$12000.00} when the loan balance is about {$45000.00}, the taxes about {$2300.00} per year and insurance of only {$700.00}. This loan has only been with Ditech for less than 2 years.This seems like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Incorrect information that has been disputed since   XX/XX/XXXX .  False Act information concerning employment, insurance and other information. What it has affected and still affects several issues : Deformation of Character, False Claims entered, Employment and Financial stabilities. Wrongful Garnishment and a host of other issues. In   XX/XX/XXXX - XX/XX/XXXX  , I asked   XXXX   XXXX   to assist with these issues, but they did nothing in my disputes because they work for   XXXX   and also have their own company which is  XXXX . I work for a company, who uses their services, and because of this reporting, I would have to take drastic actions like Wage Fraud and EEOC. Even Social Security has been tapered with.

Company response to consumer: Closed with explanation