milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (FL).
Issue: Application, originator, mortgage broker

Complaint: We are buying a place in a XXXX. We are XXXX residents but spend a few months in the summer XXXX. We wanted to get pre-approved for a mortgage. We choose PNC since it has offices in XXXX places. We have perfect credit and no debt with XXXX scores of XXXX. So we had problems from the start. Our banker never seemed to know what was happening. He would be sent documents from us or our lawyer and not know he had them. He would promise to call with updates and not do so. He would never know the whole story. PNC picked an appraiser that did not live in XXXX. The appraiser did not know the community. Even though our property was considerable lower in price that comparable properties, the appraiser stuck to his/her position. The banker finally filed paperwork concerning the appraisal but told us it would delay the close. The discrepancy of appraised value to sale price was XXXX 1 %. Another independent banker and a lawyer told us the amount that can be borrowed is 80 % of the sale price or appraised value, which ever is lower. PNC bankers were insisting the contract be changed. Again the banker appeared to be clueless. We are now working with a much more responsible lender. We are only sharing this story in the hopes that other consumers become aware and AVOID PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Debt collection (Other debt) with Credence Resource Management, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: in XXXX XXXX, i transferred my account from XXXX XXXX into XXXX XXXX XXXX which # were XXXX and XXXX- XXXX- XXXX. i purchased a XXXX XXXX XXXX from XXXX XXXX XXXX for the # XXXX, and i brought with me an XXXX XXXX XXXX that i purchased from XXXX XXXX. at the XXXX XXXX XXXX store, i was told that the phone # ends XXXX can not transferred because XXXX XXXX did not release the # therefore, they gave a different # to replace the XXXX which is XXXX- XXXX-XXXX, and also told that the phone # XXXX XXXX XXXX is no longer in service. when i contacted XXXX XXXX XXXX regarding the bill that the sent me, the representative told me that the # is not in used, but i still need to make the payment because the line is open {$81.00}

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2016 about Debt collection (Medical) with Stallings Financial Group, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was alarmed when " Late Payment '' notifications began appearing on my XXXX Credit Report in XXXX 2016. They were listed as a collection by Stallings Financial Group, on behalf of XXXX XXXX XXXX XXXX ( XXXX in the state of XXXX ). I am not their patient nor am I a resident of XXXX. I 've lived in XXXX for four years, and XXXX for two years before that. Three separate attempts to contact Stallings Financial via the email listed on their website were ignored. I contacted XXXX XXXX directly, and they expressed interest in helping me resolve the error. XXXX, a representative of their office, replied to my message, and was successful in reaching Stallings Financial. XXXX instructed me to contact " XXXX '' at Stallings Financial. When I did so, " XXXX '' directed me to contact a different number. When I attempted to reply to " XXXX '', her e-mail suddenly came back as " undeliverable ''. A subsequent attempt to contact the generic information e-mail listed on their public website regarding the disappearance of " XXXX '' returned another " undeliverable '' error message. I 've never received a " letter of validation '' for this debt, and my attempts to request one are being blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: Hi, I deposited a check for {$62.00} in XX/XX/2016 in Chase Bank. The bank claims that they never received it and reversed the amount from my account. Meanwhile, I have a copy of the endorsed check from XXXX ( which issued the check to me ). I have tried resolving this with Chase to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/26/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have been writing letters to Equifax for over a year citing the blatant violations of my rights under the Fair Credit Reporting Act. They are reporting a bankruptcy that has an inaccurate docket number and filing date and is outside the statute of limitations. The other XXXX bureaus XXXX and XXXX have removed the bankruptcy because they could not properly validate it so I do n't know why Equifax is still reporting something that is obviously wrong. I have been refused action and dismissed as a frivolous consumer and this makes me angry. The bankruptcy was never filed and is dismissed, I do n't feel it should be reporting at all because I never went through with the bankruptcy. Equifax is ignoring the proof that i have that they have violated my rights and I am at my wits end because from my standpoint I have done everything I have needed to do and they are abusing their power.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: According to the statements I have received, I have account shortage of around XXXX. After looking at the numbers, it seems that the calculations are off. If you look at page XXXX of XXXX on attached document, from XXXX 2016 to XXXX 2016, the payment of actual ending balance does n't change ... .now it does change for XXXX 2016 because they said they are assuming I will pay, but it does n't change for XXXX 2016. On my most recent statement, the same issue occurred and I do n't know how far back they back doing this

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: credit reporting companies reporting XXXX late auto payments / should only be 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 05-12-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Midland Credit Management Representatiive, XXXX XXXX at XXXX x XXXX called my home residence phone number and disclosed third party information about my debt ( credit card ) owed. Disclosed total balance due ( XXXX ) amount of the charges. The third party advised her that it was not his bill never heard of the company she represented and she informed him he was responsible for the debt. He advised her he never used any credit card. He asked her for her name and number and she advised she could talk to him and would take legal action if bill wasnt paid. He offered to take a number and and will give the message. He did try to tell the representative that she should not be calling. On XXXX XXXX, 2016 I called the company and spoke to XXXX, XXXX XXXX XXXX XXXX XXXX xand advised of disclosure and put a cease and desist .Got her superior name of XXXX XXXX XXXX She then stated they did not break any laws. I disagreed and advise I will check into my options.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: The recent XXXX data breach means that almost every adult American must now lock or restrict their credit for in indefinite period of time.
Agreeing to XXXX free credit monitoring service forces consumers to waive their right to sue Equifax.
When I attempt place a credit freeze on the XXXX web site the system simply responds that it can not process her request at this time.
Every day that this condition continues the risk to all consumers increases.
This situation ultimately causes financial harm not only to consumers but to the entire US economy.
If consumers ability to acquire credit is hindered because of the failure of an organization to protect the data of those consumers ( whom never gave consent for that data to be collected in the first place ) is harmed, it will extend to the larger economy.
Adding insult to injury, news reports suggest that members of the XXXX board of directors sold their shares of company stock prior to public disclosure of this breach. 
Ultimately this calls into question the future of regulation of the entire credit reporting and data collection industry. 
I implore your team to consider launching an inquiry into the viability of legal action to protect and compensate consumers and to protect the economy in general.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Consumer Loan (Vehicle loan) with VW Credit (NY).
Issue: Managing the loan or lease

Complaint: I purchased a XXXX VW Passat TDI SEL XX/XX/XXXX. I took a 0 % interest 60 month loan with VW Credit. I made every month payment timely and was never late. On XX/XX/XXXX, VW announced that they had used " cheat devices '' in their TDI ( i.e Diesel ) vehicles. The intent of these devices was to violate American environmental standards. In particular, to cheat in meeting NOx emission output. VW immediately imposed a ban on its dealers from selling these effected new and/or used TDI vehicles. As a result, TDI vehicles have certainly lost significant value since VW has n't determined how, or if, the vehicles can be repaired to legally satisfy EPA emission standards. The matter is well know and rather than explain it further, I will instead address my complaint. I made a request to VW Credit to suspend additional loan payments until such time that the EPA accepts the remedy regarding the TDI scandal. I purchased the vehicle based on VW 's claim that the vehicle is a " Clean Diesel '' that provided efficient use of diesel fuel in delivering the rated MPG along with EPA complaint emissions standards. The sale was based on a lie and fraud on the part of VW. VW themselves do not deny the wrongdoing. I do not want to continue paying for this vehicle until I know that the vehicle satisfies all the conditions and expectations made to me when I purchased the car. 
I cite " 16 C.F.R. Part 433 : Federal Trade Commission Trade Regulation Rule Concerning the Preservation of Consumers ' Claims and Defenses ( The Holder Rule ). I am presently in a position of having to make continued payments for this vehicle in order to maintain my excellent credit ratings even though the vehicle was sold to me under fraudulent and possibly even criminal intent by the manufacturer VW. In addition, it is unknown if there is a fix for this problem. In effect I am being forced to pay for a what might be a worthless pile of junk to preserve a personal attribute that I 've worked hard to create ( i.e. my credit score ). I request your assistance in getting VW Credit to honor my request to suspend future payments until VW and EPA agree to a fix to this mess. I should not be held hostage, I am a victim of a fraud. VW is the perpetrator and probably even the criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (KS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I had signed up with PayPal Smart Connect which was supposed to help keep my bank account safe when making purchases online but was to automatically deduct the amount from my account and " filter '' it through PayPal so the vendor could gain access to my bank. Somewhere along the line the Smart Connect merged with the credit, which I was unaware of. I made a {$70.00} purchase, which I had assumed came out of my account already. It was n't until the first payment was late that I received an email notifying me. So I made the first minimum payment late but they threw on a {$25.00} late fee. The second payment was apparently late as well and the fee went up to {$35.00} and just keeps hiking up. So now, where my original purchase was only {$70.00}, I now owe them {$120.00} and the minimum payment has jumped up from {$25.00} to {$90.00} after just 2 months. They are calling 4 or and 5 times a day and at XXXX on Sunday mornings.

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 11/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient has been my loan servicer by transfer from original lender ( XXXX XXXX ), since mid XX/XX/XXXX. 

I have been working at XXXX XXXX since XX/XX/XXXX. I am currently a tenured XXXX at XXXX XXXX XXXX, XXXX XXXX. 

In XX/XX/XXXX, I called Navient after hearing about Public Service Loan Forgiveness Programs ( PSLF ). After hearing my request as a XXXX XXXX, they placed me in a income-based repayment plan which would qualify me for PSLF. They said it would take ten years ( 120 payments ) to  qualify for forgiveness. They informed me I would need to recertify my income every year to continue to gain credit towards the ten years, but gave me no further instructions or steps to take. 

My repayment plan started in XX/XX/XXXX. Every XX/XX/XXXX since then, as directed, I have called Navient to recertify my income and have asked them every time if this was going towards the PSLF. Since loan forgiveness for a XXXX XXXX was my reason for calling them in XX/XX/XXXX, I made sure with every phone call that I was on track. Every time I was explicitly informed that I was. 

In XX/XX/XXXX, after reading about fraud with lenders and this program, I wanted to make sure I was not being defrauded. I called Navient to ensure that I was still on track for PSLF, and for the first time informed I was not. This came as a complete surprise and devastation, since this was my original intent since XX/XX/XXXX to be a part of PSLF. 

They stated that I would need to have a Direct Loan, and that my loan type was not eligible. In XX/XX/XXXX, unlike what they were telling me, Navient never put me on track ( in this case inform me about a Direct Loan, ) towards PSLF. I have consistently been told by Navient that I was on the right track towards loan forgiveness ; however, five years into my loan, upon my pressing, was I informed I was not qualified because I had the wrong type of loan. 

I have talked to multiple people at Navient and the only recourse I have is to change my loan type, starting the clock back at XXXX ( versus the five years I thought I have paid towards PSLF ). 

Navient and their representatives have informed me that there is nothing they can do to give me credit for the five years I thought I was paying towards PSLF. Since this was information they have given me, I would like recourse wherein the last five years payment is credited towards PSLF in a qualified loan type.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MS).
Issue: Loan servicing, payments, escrow account

Complaint: JP Morgan Chase closed homeowner 's Original Loan ( ... XX/XX/XXXX ) on or about XX/XX/XXXX during the commission of illegal loan procedural acts. JP Morgan further covered up these illegal loan procedural acts from homeowner until she accidentally found out from their own employees during XXXX holiday in 2014. Homeowner also discovered other illegal loan procedural acts performed by JP Morgan Chase. JP Morgan Chase had no intentions of letting this homeowner know about their illegal loan procedural acts. Because of the continued cover-up homeowner reserves any and all of her rights against JP Morgan Chase individually and on behalf Fannie Mae and Fannie Mae. Homeowner is attaching a Complaint to this form known as " Closed Loan Return Deed Complaint with CFPBSee attachment - Closed Loan Return Deed Complaint with CFPBSincere & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been paying my loan regularly, no late payments, for over a year. Decided to start paying on principal. Had made full payment a couple days prior, on time, and made a second payment, including " special instructions '' as instructed. I was told only a portion would go to principal, the rest to late fees and interest. I do n't have late fees, but they had given me one! 
I sent the complaint below, but would like to say that Navient is horrible ... .always. I can rarely understand the representatives, email response is slow and reflects little to no attention to the actual complaint/query. They make a fortune. Why ca n't we have decent service?!!! 
Here is my complaint to them : I received a shocking reply to my email and have looked at how you posted my payment with special instructions. I see you included a late fee. PLEASE REMOVE. I had already made the payment for the month, on time, and it registered a couple days earlier. This was to be applied to the PRINCIPAL, as I have been told we can do. The interest for the month was also made in the payment $ XXXX monthly payment made a couple days earlier. Either your processing personnel are inept or you are employing predatory practices. I should be able to pay on my principal. Anything else is usury, as well as false advertising on your part. PLEASE AMEND THE SPECIAL INSTRUCTION PAYMENT IMMEDIATELY.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/13/2017 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On or about XXXX XXXX, XXXX and XXXX XXXX, XXXX, I disputed a XXXX debt in the amount of {$2200.00} on my credit report Account # : [ Acct # XXXX ] asking that the credit bureaus show validation of this debt that I owed it, without sending me a viable evidence I indeed owe this debt. XXXX send me some kind of an agreement, which had not a signature. Since the CRA have posted the debt on my credit report, I have the right to verifiable evidence this debit belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I hired several different companies to secure a loan modification and paid XXXX dollars in advance to the companies who violated XXXX and I never received the services or the loan modification I needed in fact I lost my home to foreclosure. The companies I hired and paid are : ( 1 ) XXXX Legal Document Professionals XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX paid {$2500.00} ( XXXX ) XXXX. ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX, CA XXXX paid {$12000.00} ( 3 ) XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX ( 4 ) XXXX XXXX XXXX, XXXX XXXX XXXX, # XXXX, XXXX, CA XXXX XXXX paid {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Between XX/XX/XXXX and XX/XX/XXXX, my identity was stolen and was used to open an account with XXXX and with XXXX XXXX XXXX in XXXX at a fraudulent address I lived and continue to live in XXXX XXXX, Florida, although at one time I did live in XXXX. In addition, there were many many hard inquiries made using my information. I did not realize this until XX/XX/XXXX when I tried to get a loan and was turned down by my own bank of 31 years. My very good credit rating has been ruined. It has cost me XXXX of dollars in interest and I have spent many, many hours in the past 6 months trying to resolve these issues with all 3 credit bureaus. Equifax continues to report a XXXX address which is fraudulent and continues to report hard inquiries on my report despite my calls, letters, and on-line disputes.. I have filed a police report with both the XXXX County Sheriff 's Dept and with the XXXX XXXX Police. In addition, I have filed a complaint with the FTC and with Florida Attorney General 's Office.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Debt collection (Other debt) with ResidentCollect, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I have a debt of {$1600.00}. I called to find out options on settling. They informed me XX/XX/XXXX I could settle for {$1000.00}. After seeking counsel, I was told to call back and speak to a supervisor to try to negotiate payment since I am a XXXX single female who is working hard to improve my quality of life and pay off debt acquired during my XXXX/ XXXX time. I called back XX/XX/XXXX to speak to a supervisor. My agent was incredibly rude and said they would n't transfer me even though I 've requested numerous times to speak with a supervisor. Naturally I called back multiple times to see what other department could help me. The different departments apparently were all the same 3 people, ( did not know that ), so the other agent yelled at me and was so rude. Stated that I was harassing them and they would take further measures if I called back again. He would not listen or answer any of my questions regarding a supervisor or how to make a payment. I have yet to be given any payment details. He stated that he would be getting me and was going to advise that the settlement amount was removed cause of harassment. I want not rude nor did I even yell, let alone did not harass anyone. He yelled, talked over me and would not allow me to speak or ask any questions and eventually hung up on me. Shocked at this treatment I figured maybe he needed to cool off. I called back shortly after to ask how to make a payment and the moment they answered said they were emailing admin to report harassment and hung up. They continually refuse payment and these are the people supposedly collecting payment for debt?? I simply need a reasonable amount to pay as a person recovering from XXXX in a car accident ( not at fault ), XX/XX/XXXX, XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX & XXXX in XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and lasting effects. Just need a reasonable abut and how to pay. They refuse to speak to me to accept payment. I will gladly provide my details if needed.

Company response to consumer: Closed with explanation