milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Settlement process and costs

Complaint: I requested that Bank of America ( BOA ) remove the PMI for the past three years and they declined me each time. Each time my request was denied eventhough my equity or loan-to-value amount met the requirements for the removal. Recently, my loan matured to greater than XXXX yrs old and I requestd for the XXXX time that BOA remove my MPI in XXXX in which BOA said that they would look into it. BOA never removed my MPI and in XXXX they sold my loan to XXXX Mortgage company. XXXX is now in process of removing my PMI. However, BOA repeatidly ignored my request throughout the years. Recently, my loan was tenured enough and value high enough to meet the removal. Also, I have never missed a payment. This has cost me additional fees throughout the years since my PMI should have been removed in XXXX I have since pay a PMI for an additonal XXXX months. My MPI is about {$80.00} a month. To a middle class family {$400.00} is a lot. 

Also, I think that it is unfair that BOA sold my loan. I believe that this is a form of discrimination. They were aware that I was refinancing and wanted my MPI removed. I think that they sold my loan to another creditor because of these factors. This is a bad banking practice which is horrible customer experience. This process delayed me from getting refinanced. This is also unfair to other creditors that purchase loans like mine and later take a financial hit while the bigger bank get rid of customers that have rated them low throughout the years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Debt collection (Medical) with Overton, Russell, Doerr and Donovan, LLP (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Several of the categories applied. They refused to return phone calls or allow me to speak with attorneys. They called after hours. Receptionist was abusive and hung up on me. They threatened to sue me and did on incorrect amount ofdebt. They refused to negotiaye reficed amount or payment plan. They repeated phone calls after hours. They did not respond to written requests

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: I was pursuing a mortgage loan modification and was presented a loan modification proposal and the lengthy application process. After reviewing the documents of the proposed modification I did not feel it was a reasonable deal. I took the next five months to look around and see what other options were available. After a five month search I felt I had no option but accept the original proposal from Select Portfolio Services. Upon contacting them they said my application and offer had expired. Two days later when I called them again I was told that I could, in fact, accept that original loan modification agreement. I informed them that i could not fine the original loan mod documents ; And would they they please rewrite them and send them to me for my acceptance and signature. They did, I signed returned and started making regular loan payments. 

I did not catch, that when the modification document was re-written and sent to me the second time, that the dates for the commencement of mortgage payments had not been updated to reflect my signing date, but had been left at the dates five months earlier, when the proposed modification had initially been offered. Original modification was offered XXXX/XXXX/XXXX and I accepted and signed XXXX/XXXX/XXXX. I have been five monthly payments behind ever since. 

I have applied for a second modification with Select Portfolio Services to resolve this issue to no avail. I have asked that they simple move those five payment to the end of the loan and return me to a " current '' status and they have refused. 

I need help to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: The account is closed & has been closed for years. I have disputed to get it removed off my credit reports & it has n't been removed

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 09-11-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On receiving a request to substantiate charges and liability related to an account this institution had reported to my credit report, the company in a bewildering response ( see attached response ), refused to provide the requisite documents to stay in compliance with the FDCPA and stated they would continue to report the account on my credit report in violation of my legal rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-07-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Robocall from XXXX, with a callback number of XXXX in automated message. 

Spoke to representative, rep claimed that " First USA Bank '' was suing me in civil court for a debt that originated in XXXX and was written off in XXXX for a credit card ending in XXXX. 

Female rep said I had " XXXX options '', settle out of court or ( at this point, I explained that I had no recollection of this debt and that XXXX is well beyond any statute of limitations, at which point the representative hung up on me ). 

I was able to get an address - XXXX XXXX XXXX, XXXX XXXX, XXXX MI XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I had a mortgage loan with chase that was originally XXXX of the toxic loans from Washington Mutual. I applied for a loan modification from Chase XXXX times. The last time, I started the process in XXXX, the Customer Assistance Specialist kept asking me for more and more papers, and never sent anything to underwriting, finally at the end of XXXX, they sent it to underwriting and the loan was sold to XXXX. It appears a decision was about to be made and everything stop ... Chase told me that XXXX would continue with the information Chase had given them, but that is not true ... I was told by XXXX that I would have to start all over and provide all information again. 
Chase never notified me of the sale and the Customer Assistance Specialist did n't know that the loan was sold. When I called Chase today they gave me the info. 
I feel that a decision would have been reached by Chaseif all my info had been sent to underwriting in a timely mannner and the Customer Assistance Specialist was negligent in getting my info to them. She just kept delaying and delaying.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Advertising and marketing

Complaint: I applied for a Bank of America XXXX card while purchasing airfare with XXXX. I was told that if my credit score was high enough I would be approved immediately and the benefits would apply immediately. The fact that there was a high annual fee was not noted unless you clicked on another link that I was told was there but I did not see. My credit score is around XXXX but I was not approved for the card so I did not receive the benefits. Then weeks later I was approved and given the {$75.00} fee. I complained but they refused to subtract the fee and cancel the card.

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 03/21/2017 about Bank account or service (Checking account) with PNC Bank N.A. (FL).
Issue: Account opening, closing, or management

Complaint: On XX/XX/2016 I opened up a checking account that had a {$300.00} sign up bonus. After I met the requirements, I contacted PNC via chat. I was told the requirements for direct deposit and debit transactions was complete. I also inquired if there was a minimum balance I needed to keep in the account and I was told no.When my bonus did not post, I inquired again and was told an investigation would be initiated. When I did n't hear back, I inquired again and was told I had not met the requirements. In addition, I was charged a {$25.00} checking fee for not keeping {$1500.00} in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Alliance 1 collection agency regarding ezpass tolls they are charging me $ XXXXThe original amount due was {$550.00} which I paid in full on my XXXX card. I wrote a dispute letter but I plead my case to them I think it 's outrageous that they want to charge {$3000.00} in fees and interest this was an old debt from 2012 please help me with this matter I think this is not legal thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I left XXXX as my primary carrier in XX/XX/XXXX or XX/XX/XXXX. I had a balance of {$300.00} from this account. I talked to a representative to arrange a payment agreement, but within two weeks I was sent a notice in the mail from a collection agency, Diversified Consultants , Inc . The original {$300.00} rose to {$690.00}. I asked where did the addition fees came from and the company said this was due to equipment / devices, which was a XXXX and XXXX tablet. I told the company that I had already paid for the XXXX and XXXX never issued me a statement about the balance for the tablet which I had been paying on for two years every month. Since XX/XX/XXXX this company has frequently called my phone at all times of the day, morning and night. I have talked with three representatives and a supervisor about reducing the fees, arranging payment plans and getting the company to stop calling me while I 'm on my job. I have paid this company {$300.00} yet I continue to receive phone calls and I was sent a notice on XX/XX/XXXX for {$550.00}. On the last payment I provided through my debit card of {$78.00} in XX/XX/XXXX the  company double charged my card and I did n't receive a refund until I had to talk with a supervisor and my payment arrangement had to be renegotiated.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Bank account or service (Checking account) with WEBSTER BANK, NATIONAL ASSOCIATION (TX).
Issue: Using a debit or ATM card

Complaint: After seeing a debit card transaction on our account that I did not recognize, I researched as much as possible by contacting the company in question several times. They had no information as to why we would be billed as we were n't even in their system. I also checked with our insurance company which did not have any such billing through them. We never received a statement from our insurance company pertaining to this transaction nor had we done business with this particular company. I contacted via phone HSA Bank and spoke with XXXX. She canceled the card and emailed a transaction dispute form for me to submit. I submitted the form on XXXX/XXXX/16 per instructions on the form. It was received by their agent on XXXX/XXXX/16 per USPS tracking. On XXXX/XXXX/16 I spoke with XXXX who said there was no record of receiving it. On XXXX/XXXX/16 having no reimbursement into our account nor hearing from HSA Bank, I again contacted and spoke with XXXX, who told me there was nothing they could do as they only send out the forms. The supervisor refused to speak with me but suggested through XXXX that I send a letter or fax. On XXXX/XXXX/16 I faxed a letter along with proof I sent and they received the form. I have yet to get a response. On XXXX/XXXX/16 I called one last time and spoke with XXXX XXXX who said to email her my proof and she would forward it to the appropriate dept. I have yet to hear anything from anyone at HSA Bank and have not received reimbursement to our account per their on own protocol ... within 10 days. As an added note, the dispute form instructions plainly state that if I have any questions to call the number on the back of debit card ... THEY 'RE the ones who keep telling me they ca n't help me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Attempted to purchase my credit report from Transunion.com. I am continuously prompted to join their monitoring service in order to get my credit report and/or score. There is literally no way around these pressure tactics. It 's either join, or do not access your report! And if there is another option, it does n't exist ... .attempted to order via their " disclosure '' link ... ... it states " system 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 non-monetary relief
Consumer complaint received 04/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX is reporting as derogatory mark on my credit and I did n't open any accounts with them nor have i received anything in this mail about this company and it is affecting my credit and needs to be removed immediately.

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 03/14/2017 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (WA).
Issue: Deposits and withdrawals

Complaint: Citi Bank has removed XXXX points from my account and refuses to communicate reasons. 

Citi reduced my account from reward points from XXXX down to XXXX. 
Demand compensation. 
Citi employees Executive Response team XXXX @ XXXX and XXXX have REFUSED to respond being unprofessional and unethical.

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 10/14/2016 about Debt collection (I do not know) with National Enterprise Systems, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX is telephoning me on a daily basics, I do not have an outstanding " Debt '' with any one. Several of my friends are also receiving the telephone calls, I want them to stop Harassing me. Telephone number:XXXX ext XXXX. 

Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Billing statement

Complaint: JPMorgan Chase sent bill to email account instead of mailing me a paper statement. 
Had this credit card account since XXXX always made payments on time paid off account in XX/XX/XXXX from a high balance of XXXX. Always got a paper statement. Used the card one time in on XX/XX/XXXX for XXXX for XXXX ( For some reason XXXX had rejected XXXX attempts with other cards ). For some reason Chase sent the statements via email????. Talking with XXXX ID XXXX he stated I had requested email instead of Mailed statements in XX/XX/XXXX. Forgive me but, XXXX, I would not have requested paperless statements on an account that I had n't used or had no balance since XX/XX/XXXX. Of course with late fees and charges that XXXX ballooned to XXXX by XX/XX/XXXX and was charged off. I was n't even aware of this activity till I pulled my credit report in XX/XX/XXXX. I called Chase and setteled the account for XXXX. But I 'm feeling extremely RIPPED OFF. And this is still going to show up on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been a victim of identity theft. I have a FTC affidavit and a police report and Experian, XXXX XXXX will not remove the XXXX account from my file. It is not my account. I have for 6months now sent them my info and asked that they verify and they never do. Please help me get this taken care of

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 10/13/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have tried numerous time disputing hard inquiries with Equifax. I did not apply for a job nor was I granted credit with these people and I want them removed. I have sent certified letters to both creditors and Equifax with no response. Some were Return To Sender. If it 's not a real company than how can they pull my report? Equifax refuses to delete them from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Debt collection (I do not know) with Merchants and Medical Credit Corporation, Inc. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Merchants and Medical Credit began reporting on a debt they had acquired on XXXX XXXX 2014 and never sent written notice despite it being required under section 806 of the FDCPA. For 3 years they have been holding my financial life hostage and only recently came to my attention. Despite many disputes with the big three credit reporting agencies section 806 has been ignored and they have continued to break and ignore the proper procedures set forth by the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Send credit bureau a letter informing them that I received a copy of my credit report. I asked that they send me copies that they have in their files as of this date that they used to verify the accuracy of the accounts below. My letter stated the following : Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their files at the time of the request concerning the accounts that they are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please Delete Them Immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties are damaging my reputation and credit worthiness. Under the FCRA15 U.S.C 1681i, all Unverified Accounts Must Be Promptly Deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately. 
1. XXXX Account numberXXXX Unverified account 2.XXXX Account number XXXX Unverified account *NOTE : Please remove all non account holding inquiries over XXXX days old. 
I attached a copy of my social security card and drivers license and sent XXXX Certified Mail

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 06/24/2015 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (OH).
Issue: Can't stop charges to bank account

Complaint: I was lay off from my job on XX/XX/2014 making it impossible to pay back a XXXX pay day loan with Checksmart and a $XXXX loan XXXX. I have tried to make arrangements to pay back through an installment plan. Instead I am getting threatening phone calls about being summoned because of fraudulent transactions compromising my social security. I have checked the number that calls and I have read some comments about being a collection agency. The number is XXXX Pleas help me stopping the illegal practice by the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made.

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile.

I request that you initiate an investigation into XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,

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