milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: Today I called the dispute resolution center for Equifax and XXXX to discuss removal of a tax lien reporting that falls under the National Consumer Assistance Plan. These items fail the identification process where the name, address and SSI and/or DOB need to be documented to be reported ( the SSI numbers are partially redacted and there is no DOB on file ). In speaking to representatives and their supervisors at both agencies, neither was able to admit they had any knowledge of the XXXX or the Consumer Financial Protection Bureau and how they would effect the now erroneous lien reporting on my credit bureau. They also could not refer me to anyone in their respective organizations that would have knowledge of the XXXX or CFPB. They went as far as to refuse any knowledge of the existence of the XXXX and CFPB and also refused to investigate the possibility that they exist and do in fact offer a resolution to my request to have the incorrectly reported items removed. For reference, I called XXXX  and received an completely different response. The agent was aware of the XXXX, reviewed my credit file and agreed to delete the item in question within 24 hours. I have confirmed that the agent at XXXX has in fact followed through on his statement and that lien has been removed. Kudos to XXXX and shame on XXXX and Equifax. I have attached copies of the items in question so a quick review can confirm they do not comply with the XXXX and should be deleted immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 'm filing a complaint against Equifax & the incorrect reporting of a collection account for   XXXX   XXXX   XXXX  , which is working on behalf of   XXXX   XXXX   XXXX   XXXX   XXXX  . Equifax is reporting negative information about a medical ambulance bill that was paid on   XXXX     to   XXXX   XXXX   XXXX  . I have attached a copy of my receipt that was emailed to me directly from   XXXX   XXXX   XXXX  , so I 'm a little unsure why it was sold to the collection company   XXXX   XXXX   XXXX   in the  1st pla ce. This negative information is damaging my credit worthiness & affecting my credit score. I 'm in the process of applying for a mortgage & this negative account is standing in the way of that goal. My ask is that this information is removed from my credit files  ASAP &  all further collection actions & negative reporting cease. I work very hard to maintain my credit worthiness & I strive to pay all my bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX credit reporting agency have inquiries on my report i did n't authorized.
here are the unauthorized inquiries XXXX XX/XX/XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX-XX/XX/XXXX & XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 05-11-2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Regarding PNC Mortgage. We all know PNC Bank has been having problems remaining financially stable & are penalizing consumers. This is my XXXX complaint filed relative to unethical practices at PNC Mortgage. For the past 14 years, XXXX to date, I 've rented the home located at XXXX XXXX XXXX, XXXX, XXXX, WV XXXX and the mortgage has run from {$470.00} - current $ XXXX. The highest mortgage rate was a short period of time from XXXX XXXX into XXXX at {$610.00}. Each time, PNC Mortgage has completed a new Escrow Analysis to determine upcoming payments. By letter dated XXXX/XXXX/XXXX, PNC voluntarily notified me that " Under the XXXX of XXXX '' I was eligible for removal of PMI. XXXX deleted PMI on another rental property of mine years ago. In a letter dated XXXX/XXXX/XXXX, PNC recanted that the property is eligble for PMI removal. In XXXX XXXX, I contacted PNC as follow-up to their XXXX/XXXX/XXXX letter. In response, by letter dated XXXX/XXXX/XXXX, PNC stated " The HOPA of XXXX does not allow automatic termination of PMI for a second home or an investment property. ' 'Therefore, we are required to follow the deletion requirements of the loan vestor. '' In the letter PNC Mortgage is also requesting an appraisal at my expense. I also received separate correspondence of the same date, XXXX/XXXX/XXXX, with another Escrow Account Disclosure Statement. In this ( adjustment ) statement, PNC Mortgage indicates an escrow shortage of {$760.00} and an increase in monthly mortgage payment from {$560.00} to {$680.00} XXXX XXXX ). I have NEVER made any money on this property while renting ; have always had to supplement the monthly payment. It is my opinion that PNC Mortgage is being quite absurd about their inconsistent business practices. In the past, they have also overcharged for Flood Insurance on the property ( as has XXXX XXXX ) and also placed flood insurance on the property at the same time XXXX XXXX had provided coverage. * I am not able to scan to upload my supporting documentation, will need permission to fax or mailing instructions. My request is that PNC Mortgage be required to reimburse me for the duplicate and excessive flood premiums charged and also they further explain why their Escrow Analysis have been inconsistent over the past 14 years.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Debt collection (Medical debt) with Capital Accounts, LLC (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX is attempting to collect a debt not owed to there company. I did not sign anything to release my medical records

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have not yet received any information from the XXXX XXXX XXXX website It seems neither XXXX  nor Experian can verify my identity online. One concern is also that Experian asked me a question on the verification link re a mortgage application in XXXX - I never had a mortgage application in XXXX, so now I wonder if someone stole my identity?

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 01/18/2016 about Debt collection (I do not know) with Strategic Alliances, Inc. (UT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was called by First Financial debt collection agency and I tried to call back but could n't get anyone on the phone. I was so worried I pulled my wife 's and my credit report just to find that nothing was wrong. I finally got a hold of someone to find they contacted me in error but now it still shows an inquiry on my report. I do n't know why they called me and it should never of happened because it made the XXXX of us panic.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Debt collection (Other debt) with Allied International Credit Corp., (US) (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: About a week ago, I received a letter from  Allied Int  ernational Credit Corp.with my name, and sent to my pa rents house, not even my address. The letter basically says that their client has tried multiple times to get me to pay this debt and now it is with them.     They say it is from my  XXXX  account. I have n't used  XXXX  in years. the bill is for {$37.00}.     I sent the letter to  XXXX  and they verified that this was a scam.     " The email is a spoof, also known as a " phishing, '' email. ( That 's phishing, as in " fishing '' for personal information. ) It did n't come from  XXXX . Our  Trust & Safety t eam is working to disable any websites it links to. " -  XXXX  email

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: An unauthorized credit inquiry from a company that I do not recognize and did not authorize, XXXX. Credit inquiry took place on XXXX XXXX 2016. 
Although this is more than you probably wanted to know, this inquiry was discovered in the course of applying for a home equity loan from XXXX XXXX XXXX. I am following up to make sure there is n't a fraud issue. XXXX allows mail inquiries only according to Experian - does not have a listed phone number.

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 10/29/2017 about Checking or savings account (Savings account) with BMO HARRIS BANK NATIONAL ASSOCIATION (WI).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I was a new customer at BMO Harris Bank and opened a savings account with a coupon I had that promised a {$500.00} bonus if I met certain requirements. I met those requirements but did not receive the bonus. The bank was informed that I did not receive my bonus and I was told by XXXX XXXX of the XXXX WI branch that they would need to research the issue. I was later informed that because I have a son with an account at the bank and he is allowed to be a cosigner on my account to handle my finances for me ( I 'm XXXX years old ), I would not receive the bonus. I feel that this is ridiculous, unfair, and since it was not disclosed to me at the time I opened the account I believe that the account was opened under fraudulent pretense that I would receive the advertised bonus. Rather than reward my son for bringing the bank significant new business I am penalized for banking at the same bank my son uses. This is a sleazy way to do business and I am considering closing my accounts and moving to a bank that does not promise incentives and then look for ways to get out of fulfilling them. I lived up to my end of the agreement with the bank and I expect them to live up to theirs. I am also filing a complaint with the Wisconsin Department of Financial Institutions if this is not resolved immediately. I am entitled to a {$500.00} bonus and I expect to receive it.

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 08/31/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (MI).
Issue: Fraud or scam

Complaint: I received a call from someone saying they were from XXXX and that my computer had issues. The accessed my computer and my bank account to supposedly deposit {$200.00} into my checking account. They supposedly made an error and the deposit was for {$2800.00} and needed the extra money returned. What I did n't know was that the money was a transfer from MY LOC account. Needless to say I am out {$2500.00} at this time. 
The amount was a Western Union trensfer. The phone number I was called from is XXXX. 
If possible I would like assistance in retrieving the money. 
I should have went with my first instinct that this was possibly a fraud but they had locked me out of my computer using a XXXX viewer and I could not unlock the computer until they called me. TheThank your for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NY).
Issue: Other service issues

Complaint: PayPal has my payments received on hold due to the amount sold on ebay recently, was told I had to wait for my money even though PayPal received fee. I called customer service twice on XXXX/XXXX/16 and the first time I called, I was told to call back later because the payment processing department was n't open at that moment in time. When I called later, I was told that because the items that I had XXXX were high end ( XXXX sneakers ) I had to wait three days before receiving my funds. My first issue is that I have been a member of PayPal since I was XXXX XXXX XXXX ( I 'm XXXX ) and have n't had money held since I started. Second, the buyer received the item and I still do not have my money. Third and most important, PayPal has received the fee they charge for completing the transaction in advance of distributing the funds to me. Why do I have to wait for my funds yet PayPal can take their money without waiting? This is an absurd practice. When I stated all of this to the customer service representative, they told me there was nothing they could do. I then asked to have my fees refunded as I think it is inappropriate to receive payment without rendering a service, but it was immediately declined. The ticket # for that complaint is XXXX. Account ID : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Unsolicited issuance of credit card

Complaint: Walmart sent me an unsolicited credit card from Synchrony Bank. The fine print says they have th right to share my information for marketing purposes. I do not want this credit card and do not want my information shared. I could not find information about how to have them stop sending me credit cards or offers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (IN).
Issue: Loan servicing, payments, escrow account

Complaint: When my income changed I went to my mortgage company, Citifinancial, and asked for help. I asked that they work with us until I was again employed and could make my payments normal again. They claimed to be looking into what they could do for us and ended up doing nothing. We ended up about 5 months behind. We made those payments and still have no idea how much extra interest we paid. While dealing with them we became aware of some mistakes on our mortgage information. We contacted Citifinancial about this and again we were given the run-around. We asked over and over for information to prove the mistakes and never received the information. We received a letter telling us, we thought, that another office would be handling our mortgage. Turns out they sold our mortgage without taking care of the issues. Now the new company has been told we did not have our payments up to date and are refusing to apply our payments until we catch up the missed payments. We are now three months behind, our mortgage balance is still not right and again are being charged extra interest. This is only the tip of the iceberg that is the problems we are having. Can you help us?

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (UT).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX is reporting on my credit even though they confirmed they did not have my correct address or information to send the 30 day right to dispute.

I never knew of this until I saw it reporting on credit. I called and paid it and advised them I never received a notice, they confirmed they had the wrong info.

I don't understand how they can just report whatever they want whenever they want.

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 02/15/2017 about Credit card () with BARCLAYS BANK DELAWARE (NV).
Issue: Credit determination

Complaint: In XXXX 2016, I called my credit card provider, Barclays. I requested a credit increase in order to cover charges for my mother 's funeral. I was asked to informally state my annual household income. I told the woman {$XXXX}, which is about the same has it has been for the past 2-3 years. I was told my request was denied, without any reason why. I later received a letter stating that the request was denied because I reported my income was {$XXXX}. The woman either did not hear me or made a typo in submitting the request, leaving {$XXXX} off our annual income. This is solely based on Barclays error. I have repeatedly contacted Barclays about fixing this. After being routed through several departments over several days, on multiple occasions, I am told it is my responsibility to contest BARCLAYS ' MISTAKE with the credit bureaus by providing proof of income, tax returns, and more. Since then, my credit score, as well as my wife 's credit score, has been reduced by XXXX points. All of this based on an informal request for my income. Why is it our responsibility to correct this, when it is unquestionably Barclays ' mistake, and Barclays refuses to do anything?!?

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 04/23/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Using a debit or ATM card

Complaint: Chase will not replace my money after un authorized withdrawals were made. I am very XXXX off. There system is incorrect and suggested I logged in and saw the money missing and did nothing about it????? Really?

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/20/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have asked for this collection agency to validate this debt, they sent me a paper with a signature that is NOT MINE. I was not even living in XXXX on XXXX. This signature is fraudulent and forged. I am asking for them to IMMEDIATELY remove this collection from my credit bureaus which is negatively affecting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I cancelled my service with XXXX XXXX for several reasons, one of which I paid every month for a " very fast internet speed '' only to find out I was n't actually receiving anywhere close to the speed I was paying for. I continually called to complain not only was the service slow, many days I had no internet service at all. Upon cancellation I was instructed to take all equipment to XXXX and ship back to XXXX. I did this within 4 days of cancellation. I also called XXXX after I obtained a tracking number from XXXX and gave it to the representative. Three months later I received a collection notice and several very rude calls. Once again I gave them the tracking number and was told it was taken care of. ( At which time I made the mistake of discarding the receipt from XXXX because I believed it was taken care of ) In XXXX, 6 months later I received another collection letter indicating the debt had been reported to the XXXX credit repositories as a collection account. I called the number on the collection agency statement. Not only was it an automated system, there was no way to speak to an actual person. I called repeatedly and tried every single " press # '' if ... scenario. Every single time the system hung up if I did not select " make a payment ''. At no time was it possible to speak to a person. Now I have a collection account for {$200.00} on my credit with no way to contact the collection agency. I am in the mortgage industry and review credit reports daily. XXXX has a very bad business practice of reporting collection accounts and now I understand when borrowers truly have no idea they had such collections.

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 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX ( card services ) was placed XXXX hard inquires on my credit report for one credit  application. XXXX inquiry was made on XX/XX/XXXX and the XXXX XXXX was made five days later on XX/XX/XXXX. XXXX was not authorized to run my credit twice within a five day period for a single application. I would like XXXX or XXXX inquiries deleted from all three credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Mortgage (Conventional home mortgage) with Graystone Funding Company, LLC (WA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was in a loan program that had an interest rate of 5.375 %. On XXXX XXXX, XXXX, XXXX XXXX ( a mortgage originator for XXXX XXXX ) told us that he can switch our loan program to a different program with 4.875 % interest rate. I did n't like the sound of 4.875 %, but I was willing to go for it because I was convinced that he would work hard to get me the best rate. I gave XXXX all of the necessary documents to switch to the loan program of the 4.875 % interest rate and it seemed like he 'll handle the job well. Then, suddenly, on XXXX XXXX, 2017, XXXX had to get XXXX XXXX the next day so XXXX XXXX ( a loan originator for XXXX XXXX ) took over to close the deal. At that time on XX/XX/XXXX, there were only 2 days left for closing. On XX/XX/XXXX, XXXX contacted me that the rate was locked at 5.375 % and the closing date has to be extended to XX/XX/XXXX for the second time. I do n't know why the closing date has to be extended again to XX/XX/XXXX. Between the timeline of XX/XX/XXXX and XX/XX/XXXX, everything seemed fine with the loan process. I was approved for the loan, gave them necessary items that they asked me, and came up with 30 % down payment. I pretty much did whatever I could on my part. What happened between XX/XX/XXXX and XX/XX/XXXX on XXXX XXXX 's part of the loan progress? Why did I get notified of the increased interest rate at the last minute?!?!

Company response to consumer: Closed with explanation