milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-11-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with PENTAGON FEDERAL CREDIT UNION (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: PenFed denied my recent [ XX/XX/XXXX ] home equity loan application without providing a reason. I 've continually asked PenFed to review and provide documents from the first equity loan application that was approved in XX/XX/XXXX, so that I can compare its data with the recent equity loan application that was rejected. Currently, I have " XXXX '' balances on all credit accounts that I have with PenFed.

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 06-07-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (OR).
Issue: Unexpected or other fees

Complaint: I received a check that was deposited for {$200.00} and that was added to my account on  XXXX   XXXX . Yesterday,  XXXX   XXXX , Chase Bank returned the deposit and charged me an unexpected {$12.00} for their deposit return.  <P/> Today,  XXXX   XXXX , I calle  d Chase and asked them what happened. The representative explained that the items in question were indeed a returned deposit and fee. They said that Chase accepted the check, deposited the amount, and then did their research. They then said they returned the deposit due to insufficient funds in the other account. Ultimately, the representative said I needed to talk to the other person involved and find out why this happened.
<P/>
The other person in question is my wife. She is a joint holder with Chase but also h  as a  XXXX    XXXX   account. She wrote a check on  XXXX   XXXX  to essentially transfer {$200.00} from her account to o  ur Chase account. Her check cleared, it seems, almost instantly since the Chase account received the deposit. Yet three days later her deposit was returned and I ( along with her technically ) got hit with a {$12.00} fee that was n't my fault.
<P/>
I hope this is cleared up and hopefully things will be good. Our Chase a  ccount is  XXXX  and some change because of this situation. I hope at least the {$12.00} is reversed as that fee is absolutely ridiculous. Even though the other person is my wife, I feel like it 's not right for the check recipient to be penalized for something out of their control. If the other person was n't my wife, and was rather someone I knew not tied to my account, I feel this would be even more egregious.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-07-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: OCWEN Loan Servicing has marked my account as well as my wife 's account with all XXXX credit bureaus as a foreclosure. The house legally was sold to XXXX & XXXX by me and my wife XXXX through a professional licensed Realtor. The mortgage was paid in full at the time of closing. The account should just show as a normal account paid in full and closed. This derogatory condition on the account is preventing my wife and I from seeking a fair car loan. I filed a complaint with OCWEN almost 20 days ago at which time they told me I would hear something back from them within 10 days. 
Property description below. 
*Legal Description : XXXX *Property Address : XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Debt collection (Non-federal student loan) with Circleback Lending, Inc.(Closed) (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I lost my job in XXXX of 2016. I had taken out a loan with CircleBack Lending, but informed them of my unemployment status. I sated that as soon as I regained employment I would be able to begin paying again. I was unable to regain employment until the beginning of XXXX. I have done everything they asked, but I continue to be told my loan status is delinquent. I received calls and emails constantly, even after speaking to someone. I am being bullied and harassed by this company as I have several emails indicating that CircleBack may have to report me to debt and credit reporting agencies. In addition, my family members have been contacted on home phones and cell phones.

Company response to consumer: Closed
Consumer complaint received 10/31/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX stated we owed a balance after we paid the contract agreement. XXXX sold the matter after we disagreed to a Collection Company XXXX. We worked with XXXX and went to Magistrate Court XXXX. It was determined to by Judge XXXX that the matter was too old and Closed the case. Equifax has decided since the Trade name were different that matter could not be removed. We checked with the XXXX to be told that was not true that XXXX XXXX XXXX, XXXX, and XXXX of XXXX were the same. We stated this to get a non response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: In 2011 we attempted to refinance through our local bank. We wanted to refinance because our mortgage, through Ocwen Loan Servicing, is prohibitively high at nearly {$7500.00} per month. We had an appraisal done and had the new mortgage loan all set up. But the day before all legal papers were to be signed, Ocwen Loan Servicing contacted our bank and our local XXXX XXXX XXXX to say that Ocwen would only let us out of the mortgage obligation if we paid the entire remaining mortgage PLUS a $ XXXXXXXXprepayment penalty! Everyone at our bank and at XXXX XXXX were shocked and said none of them had ever heard of such a situation and it certainly sounded like predatory lending. We knew nothing to do about this situation until the recent XXXX XXXX article on the Bureau of Consumer Financial Protection. We have continued to pay this monthly mortgage fee so we do not lose our home and business. It is difficult and discouraging, especially since interest rates have dropped so much, but we are still stuck at 9.75 %. We have tried asking Ocwen to let us refinance at a lower rate, but they have ignored us. Our local bank is still offering to refinance us at a much better rate, but we can only do so if we are able to get out of this prepayment penalty obligation with Ocwen. Please see if you can help us.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Fidelity National Information Services, Inc. (FNIS) (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company has reported an account to the credit bureaus which is currently reflected as.negative.information on my credit file. As a result I have received adverse action and high interest rates. I never received any notice or a right to dispute.this account. The debt is in the amount of XXXX and this company never served.me.any notice, gave the right to dispute.nor have they validated this information as it is requires.by law.

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 09/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: {$39000.00} in consolidated loans effective XXXX. Fixed rate 7.625 %. Repayment started XXXX XXXX at approximately {$250.00} per month, will end in XXXX @ {$880.00} per month. Majority of all payments through first 6 years were applied to interest only. Application of payments to principal & interest inconsistent for entire repayment period. Total payments to date exceed {$64000.00}. {$44000.00} has been applied to interest, {$20000.00} applied to principal. Remaining principal balance is XXXX {$22000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I sent the following letter to XXXX. on XX/XX/XXXX, when I found the charges in collection on my credit reports. 

To whom it may concern, 1. On XX/XX/XXXX I spoke first a representative XXXX at XXXX and requested cancellation of the account effective XX/XX/XXXX. 
1.1. She stated that I had to speak to XXXX to cancel the account. I spoke to XXXX, providing the same information, and was asked to fax the request to cancel the service. 
1.2. I then faxed the request to the number I was given XXXX and formally requested cancellation of the account effective XX/XX/XXXX. 
1.3. Since XXXX Company had official ownership of the home by the court any charges billable after the date of XX/XX/XXXX need to be removed from our account. 
1.4. I requested a final bill be sent to my daughters address in XXXX. Fl. No final bill was ever received from your organization. 
2. Unsure of true amount owing I paid {$99.00} on-line on XX/XX/XXXX in an effort to satisfy our debt up to XX/XX/XXXX. 
Sincerely, After receiving this letter the collection notice was removed from my credit report. 

As of this month both XXXX and XXXX are both reporting the charge of {$320.00} in Collection again. 

I have been dealing with this issue since XXXX. What can be done to have it removed preminantly?

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Send certified letter on X/X/2017, no respond. Copy of letter enclosed. They have my account with XXXX  in a negative status.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed with Experian about XXXX Bankruptcy being reported on file, they said the bankruptcy s was verified and validated which was no true. i went to XXXX Bankruptcy Court to investigate and spoke with Court Clerk. they informed me in person and also with letter that I previously sent to credit Bureau that they do not verify or validated any information. could be someone with same name or computer error.

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 10-08-2015 about Debt collection (Credit card) with CITIBANK, N.A. (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: First of all the number they are calling is a business and does not have a Citibank account. Our company is XXXX XXXX XXXX. We continue to get automated calls telling us this is in regards to our Citibank account ( which they never identify ) and that we are to call XXXX where anyone can help us. I called them and asked them to quit calling us - but it continues. They will not tell me anything about the account, so there is no way for me to stop the calls. I get anywhere from 3 - 5 a day. It 's getting really annoying and disruptive to our business. If there is any individual account that has this number listed as it 's contact number - it needs to be removed because it is a business number, not a personal number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2017 about Credit card () with CITIBANK, N.A. (CO).
Issue: Payoff process

Complaint: Everytime I use the macy 's credit card and then pay the amount on the bill to pay it off I get another bill for more money. My bill now says {$2.00}. This has happened about 3 times before. I charge something get a bill pay the entire amount and then get another bill for {$2.00}. It 's like you can not pay off the bill. Not sure what they are charging.

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 08-10-2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (MS).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I had an online payday loan from XXXX XXXX for XXXX. My payback was for XXXX. My personal information was given to a third party agency without my permission. I did not authorize my information from XXXX to be given to a creditor ( AD Astra Revovery Services , Inc. ). I could no longer contact XXXX about my account because it was sold to a creditor without my permission. My rights were violated by both XXXX and Ad Astra Recovery Services, inc.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: in XXXX I received a letter from XXXX XXXX XXXX stating the rate of the MIP will be lowered from 1.35 to .85 % and my payment will drop about XXXX $ I did n't need to do anything it would just come off in XXXX then I get another letter from Carrington Mortgage stating they have bought the loan and will be servicing the loan the rate was not dropped I called and they stated it will in time I just called again and asked why it has n't dropped yet they stated I di not qualify for the reduction in MIP due to the loan was not old enough???? Help

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Applying for a mortgage

Complaint: I submitted my assumption application on a townhouse that my ex had lived in. He moved out at the beginning of XXXX XXXX. I started paying the mortgage on XXXX XXXX. After extensive repairs I submitted my assumption application to OCWEN mortgage company. The assumption application stated the transaction ( closing ) would take about 4 to 6 weeks. On week 6 I called for a status to be told the assumption department was running behind in its processing and it should not take long. On week 8 I called for another status and was told by the processor that the underwriter had the paper work and I should have an answer soon. I explained that I wanted to purchase another vehicle and I was waiting for the closing to go through before moving forward. The underwriter said it will not impact my credit report because it had been pulled and submitted already so it would be fine to purchase another vehicle. On week 11 I called and asked for a status on the application and the processor said he needed additional information such as where I worked, copy of pay stubs and new bank statements. All of which I had submitted before. I was promised that I would have an answer within days. On week 12 I called back again and there is no status. I have been paying the mortgage on the property since  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I started school with XXXX in the program of CDD which was computer aided drafting and design. The school had tactics that lied to me. Stating that they were only taking part of what was in the loans because financial aid would cover the rest. They took all the loans for all the period I was with them. I never saw any of the paperwork that we 're getting me to sign. They would make me sign it or I could n't attend classes. I graduated in XXXX of XXXX, started in XXXX of XXXX. Can not get a job in the career I studied. And now can not refresh my studies like they promised to be able to try to get a job in my career. All products were highly outdated. School teachers did n't even have the credentials to be teaching. I even taught a class in their teachers absence because I had good knowledge and a XXXX gpa in classes. The loans are a joke. The initial loan was a little over {$25000.00}, now it 's over XXXX just interest has doubled it. I have made payments when it was XXXX XXXX, but then they changed to navient and they show as if I have never made a payment to them. I 'm sick of being harassed about deferment, because I ca n't get a job in my career.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: The website locked up before I could view my report. When I tried to return to the page, it said I 'd already gotten my yearly report when, in fact, I had n't had the chance to view it at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am the victim of ongoing ID Theft and have several fraud items reporting on my EQUIFAX credit file that please need to be removed ASAP. Police Report has been sent to EQUIFAX several time.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Bank account or service (Checking account) with PNC Bank N.A. (DC).
Issue: Account opening, closing, or management

Complaint: I have been a customer for over a decade with PNC. Last year they convinced me to change my type of account promising no additional fees and only positive changes. The main selling point being that they would now pay for other financial institutions ATM service charges. Turns out, my previous account did n't have PNC charges for non PNC ATMs. So this account had extra fees! I called in and asked to be reverted to my previous account type and was told it no longer existed and that was n't an option. I was upset at the false information given to me, but as long as they were paying for both sides of the ATM charges that was ok. Now, less than a year later they are removing the main selling point feature of paying for other institutions ATM fees!! I stopped by a branch with no help. I called in to the service center with no help. And, when I referenced the CFPB it was escalated for a manager and I was put on hold for over XXXX minutes, with no help or changes! This was a deceptive marketing tactic used to get me out of a product they did n't like anymore and then pull the main positive features of the new product with in a year!

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Debt collection (Medical) with AmeriCollect (WI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Americollect has been contacted by me and by the XXXX regarding debts owed to them. They continue to answer in a manner that just gives a run around. No real solution. I had set up an automatic payment to pay on a debt they say I did n't pay. They stopped taking out of my checking after the payment was made on XXXX. The debt listed of {$60.00} should have been paid off. They claim I still owe it, they say that the last payment made was XXXX, but I proved to them that they took out another payment on XXXX, but they claim they applied to another account. They are not applying it correctly and refuse. I have also been disputing a debt from XXXX of {$640.00}. They are saying it was delinquent of XXXX, this does n't even give enough time for insurance to be billed and paid and then sent to me for payment. We filed for bankruptcy on XXXX and I have been questioning this debt. I know XXXX was the original debtor and they were included in my bankruptcy, which also means I did n't receive any bills either from them. I am only asking my bill show it was paid and the XXXX for {$640.00} should be removed, either way my 7 years will be up, or they are asking for a debt that was including in my bankruptcy which is against the law. They refuse to update my credit report with the correct information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
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: I submitted a complaint. The credit bureau said they verified the information but have yet to provide me with the verification. Once again the information that is showing on my credit report is incorrect. It appears that the company knows the credit bureaus are not verifying the information as they are supposed to so they just change the information around because the credit card do not properly verify. I have asked for whatever they are using to verify but was told they do n't have anything  XXXX   XXXX   has removed this because they were n't able to verify any information. There is a copy of  my 1st co mplaint listed below.               whom i t may con cern, I mailed several letters of dispute las t one b eing certified on  XXXX   XXXX   XXXX  in regards how   XXXX   XXXX   is reported on my credit report. Once again within a few days it comes back as verified.  XXXX  is reportinb me to be anywhere fro m 30 to 90 s ays late and being over  100,000 b ehind. They only purchased my mortgage in  XXXX  from another servicer. In  XXXX  I obtained a government modification which at that time my acct was at a  XXXX  past due and my new payment became  XXXX  a month. It does not add up. I am given the run around when it  comes to verification. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that  any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violation of  XXXX  ( a ) (  4 ). Under section 611 ( 5 ) ( A   ) of the FCRA states the CBA is required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation