milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I did not have any account from XXXX., but the Portfolio Recovery Associates , LLC tried to collect a debt from me. 
I think someone used my name to open account in XXXX that I never lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: SLS bought my mortgage from RPM a few months ago right before my homeowners insurance on the property was due. My account is set up for impound of property tax and insurance. My insurance broker called to say SLS was refusing to pay my homeowners and that it was now my responsibility to pay? After several calls by my insurance broker, XXXX and myself they still refused to pay. After being given an extension by the underwriter of the homeowners insurance ( Allied ) and getting nowhere with SLS, I literally only had a few hours to pay the homeowners myself or I would have to find another homeowners insurance since XXXX was fed up with this whole mess. Because I like XXXX, I went ahead and paid it even though it is not my responsibility since my mortgage is impounded for both tax and insurance. SLS is not a very professional company from what I have seen & people need to know to try and avoid them, this situation went way beyond and should have been resolved in a few minutes. I want a full refund and an apology from this horrible company for wasting countless hours of people 's time in this matter. Thank you.

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 07/21/2015 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Account opening, closing, or management

Complaint: Our choir has had a checking account with the same bank for many years. The account was always set up to not charge us fees. We only keep a small amount of money in the account and there is very little activity on the account. Sometime last year the bank ( PNC XXXX did a large change and began charging a service charge on business account. Our account was only set up as a business account so that we could receive free checking. That was the arrangement made by the bank manager. We received no letter regarding this change. I have been told that PNC just included the information on the statement when they made the change. I do n't think this was proper notification for a change as significant as this. Our account has very little activity and the statements went to our president rather than the treasurer. We did not see the change on the statement. We would have asked for the account to be closed if we had known about the service charge. A {$14.00} service charge makes no sense for our account. I have been trying to work with PNC to ask them to reverse the charges since we are not a business and since our agreement with the bank has always been to not charge us a service charge. I keep getting transferred to other departments and when I do get a call and I call the individual back and leave a message they do n't call me back. The bank has always worked with us to offer a free checking account. I realize that the bank has changed ownership, but I feel that the agreement should be upheld. They made a XXXX change without taking into account our situation. I can even understand the mistake, but I feel that the bank should correct the situation. As taxpayers we have helped bail the banks out when they got in trouble. I think it is wrong for them to take advantage of us in this way. I am requesting that the bank reverse the service charges and notify the collection agency that this is not a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX/XXXX/17 XXXX XXXX XXXX XXXX placed a hard inquiry on my transunion report. I have called the company two different times and was told by two different representatives that XXXX XXXX XXXX is a department that does n't exist. The representatives each told me that it 's nothing that they can do and to call the reporting bureaus. The only credit report it 's showing up on is transunion. I have called transunion numerous times and the representatives are not willing to help either. Transunion is telling me that they do n't dispute inquiries and to call 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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX To Whom It May Concern : I am writing to correct my personal information on file with your company. Please update my name with the correct spelling : XXXX XXXX XXXX Please remove employers and phone numbers as they are not relevant to my credit history. Please update my address to : XXXX XXXX XXXX XXXX XXXX, NC XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I have tried numerous times to get this remove and they will not comply.

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 04/25/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Trouble during payment process

Complaint: In  XXXX  I had an issue with my taxes. Bank of America (BOA) was informed by me and I was told to keep them informed as I tried to work out the missing money with the city.   XXXX   XXXX   XXXX  , BOA (without notice) paid my taxes that weren't completely due yet and my county taxes that weren't due for like another month or so...then they placed an escrow on my account. This raised my house payment from  XXXX /mo to over  XXXX /mo!!! Needless to say, I couldn't afford that.

I called BOA several times and the people I spoke who advised me to go thru loan modification. Another nightmare. I was denied after about 2 months of paperwork. I was ==>>also told by my contact person not to make any payments until the modification went thru

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 08/13/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian would not let me send them documents to support my dispute with them, they report XXXX XXXX and XXXX on my Credit Report which XXXX were under consent report issued by the FTC and CFPB and would not remove these phony debts even thought they were sent to them by mail by my husband

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I requested a credit investigation on XX/XX/XXXX. More than 60 days have passed, and I have not received responses yet.

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 02/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Contacted XXXX time on XXXX/XXXX/16 regarding a debt for {$800.00}. I spoke with the collector telling him I was unemployed, but would try to set up a payment plan when I get some income. He said he would note the account. XXXX/XXXX/16 I was contacted again by the collection agency telling me that I had a debt and it needed to be paid. I told this collector that I had already spoke to another guy at his company and if he would have read the notes he would have seen that I said I 'd call back whenever I was able to pay them and I instructed him to not contact me again. He was very rude telling me i needed to explain my situation to him and i again told him that it was in my account notes in their system. He said let me give you a number where you can call us back, and I said no thank you I will look the number up when I call back. XXXX/XXXX/16 I received another phone call from a collector regarding this same debt that I had already told them to not call me back. I am being harassed over this debt when I have no possible way to pay it at this time.The XXXX collector I spoke with was very nice and understanding, they just keep calling me. I know my rights and the laws and they are violating them. 

Hunter Warfield Collections XXXX, Florida

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Mortgage (Conventional fixed mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Application, originator, mortgage broker

Complaint: We received emails, letters, and phone calls. We were required to fill out actual papers to return in the mail and uploaded documents electronically. Unfortunately, our rep kept asking for information already submitted which lead to confusion if anything was really needed. We did finally figure out that our multiple year tax returns ( labeled as such ) was only for one year, which would not have been a problem to upload the correct documents as it was easily accessible. The main problem is that the rep advised my husband 's contract was a requirement. I spoke with the rep and rep 's supervisor advising that we are unable to get his contract as it was still being reviewed by their lawyers. As of date, we still have not received his contract. USAA would not give an extension on the dates as they stated the dates given were a state requirement. Please advise if this is accurate or not. We asked if there were alternatives, which we provided as requested contact information to verify employment over the phone also advising it was changing to a month to month contract, but this did not suffice. I want to see if this was handled correctly. I am upset that the process left us confused on something that should have been a simple enough process in saving us lots of money at a time that rates were at an all time low. Please note that a letter was sent with the date the material was due, however, it also stated required documents which were already uploaded. I took the whole document to be inaccurate, as I was told over the phone that a yes or no answer was needed to refinance or not by XX/XX/XXXX and close out with refinance where both signatures were needed by XX/XX/XXXX. The dates contradicted one another. Also, from a customer service point of view, the rep was passive aggressive in calling the night before deadline around XXXX - XXXX CST. I reached out to the supervisor due to above and being told to keep uploading documents already in the file without the rep looking at everything. This is when we figured out what was actually needed. USAA, in our eyes, had enough information to make a decision or could have suggested a better valid alternative. Last complaint is that I had to figure out where the savings were rather than USAA advising these tips and this is what the rep and supervisor do for a living versus 1st time refinancer ... or attempted refinancer. One of these savings has expired due to USAA being unable to render a decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Closing/Cancelling account

Complaint: My wife had I have had a credit card since XX/XX/XXXX at a rate 0f 8.9 %. Bank of America has held the account since XXXX while MBNA and XXXX were predecessor banks from which they purchased the account. Recently while trying to use the card we discovered that the account had been closed. We 've been told that the account was cancelled somewhere between XXXX XXXX and XXXX XXXX. Current statements from the bank show an available balance of {$3100.00} and an outstanding balance of {$27000.00} I contacted the bank today and spoke with the following BofA representatives : XXXX - Customer Service Department XXXX - Compliance Processing and Monitoring Department XXXX XXXX - Credit Card Services Sometime between XX/XX/XXXX and XX/XX/XXXX a letter was sent to us requesting that we update information on our credit file. We did not see this letter. It was probably thrown away with all the other junk mail we get from various banks. The BofA policy is that the account be terminated if the information is not received. 
All of our dealings with BofA on this account have been conducted electronically. We get statements and we pay on line. 
1 ) Why was n't the request for updated account information made through electronic channels since that was the way we had been dealing with BofA for the past ten years? 
2 ) Why was n't a follow up attempt made to reach us for the information considering the length of time we had maintained the account? 
3 ) Why did n't we receive a notice of the account closing? 
4 ) Why does the current monthly statement show the account open with available credit? 
In speaking with the above bank representatives I have provided the updated information they required. They have told me that federal regulations require that they update their credit information file and if it is not supplied that the account be closed. There is no requirement that the request for updated information be sent in anyway other than by mail. I asked for a copy of the letter that was sent and requested the date on which it was sent but was told the representative could not provide that information. 
When completing discussions with the Compliance Processing and Monitoring Department I believed that I had provided all that was necessary to reinstate the account. 
I was transferred over to Credit Card Services and told that too much time had passed and that the account could not be reinstated but I could reapply for a new credit card at the a rate of 13.24 %, if approved. 
I feel that that the cancellation policy that only requires a mail notice for information with no additional follow up is an unfair practice and continuing to send me statements showing available credit is a deceptive practice.

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 09-08-2015 about Payday loan () with Enova International, Inc. (SC).
Issue: Charged bank acct wrong day or amt

Complaint: Cash net usa is not charging me on my payment dates they are doing it before and I 'm being charged overdraft fees each time and I have called them several times about it

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Credit card) with CITIBANK, N.A. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: The XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX reference # XXXX tried to collect a debt from me that was covered under my bankruptcy chapter XXXX case # 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 non-monetary relief
Consumer complaint received 08/30/2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Trouble during payment process

Complaint: Sent a {$10000.00} check to Caliber Home Loans on XX/X/2016 and wrote on it " Apply to Principal ''. Never the less, they did not and according to my mortgage broker Caliber owes me approx {$5300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit card () with DISCOVER BANK (WA).
Issue: Closing/Cancelling account

Complaint: Discover canceled my card for inactivity and they did so with a complete lack of adequate warning. Since I am a XXXX, I know that this will impact my credit score as this was my oldest open credit card and it will reduce the total credit availability to me so my utilization rate will now increase. I received an email on the day they closed my account ( XXXX/XXXX/15 ) saying that my account had been closed for inactivity. When I called customer service, they said the account had already been closed and could not be reopened without new application, which defeats the point. 

When I expressed my dismay that they did not provide any notice, they said two things that I can not accept : 1 ) " Well, we sent you a letter on XXXX/XXXX/15, '' XXXX it may have been XXXX ), and 2 ) " We are not required to provide any notice. '' First of all, sending me a letter 2 days before you take action is not " notice. '' I actually still have n't received this supposed letter, but even if it had the correct address or they really mailed it, I still would not have received it in time to use the card and prevent the closure. Second, the fact that they said they are not required to provide notice really irritated me. I have been a customer of theirs for 19 years and have almost an XXXX credit score. Just because they do n't HAVE to does n't mean it is n't good business to do it. So, I told them I 'd be complaining to the CFPB because maybe they SHOULD " have to '' as it negatively impacts people 's credit score when it happens. 

I think you should make a rule that they have to provide 30 days notice before closing a card for inactivity. It also sounded like they can define the length of inactivity that warrants closure as they see fit, so I think another component of the rule should be an industry standard for what length of inactivity has to be met before closure can happen. 

Because I work in financial empowerment, I know this probably happens to a lot of people who do n't understand how it will impact them. For example, I am JUST about to apply for a HELOC and this could impact my interest rate or even my ability to get approved. Could you imagine if I were in the process of buying a home and my lender had given the typical " do n't change anything with your credit '' instructions and then this happened before closing?! It could tank the whole deal for someone. I 'm making sure that someone who can do something about it hears about it. I hope you 'll make a rule so other consumers can avoid this.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I just viewed my results from experian and noticed that they re-inserted information that was previously corrected. My XXXX account/XXXX was reporting as accounts that are in good standing. I submitted a letter that I received from XXXX stating that my account was never paid 30 days late back in XX/XX/XXXX and to please correct my credit report. Experian corrected it the first month now I just noticed they put this account as " accounts that are considered negative '' with a 30 day late payment in XX/XX/XXXX. This is not right. I had to contact XXXX to request this letter from them then send the letter over to experian to have this information corrected and now they are reporting it again in accounts that are potentially negative and should go to a positive status in the year XX/XX/XXXX. I just tried to dispute this information again with experian but the system would not allow me to do so. I am submitting this complaint about experian credit reporting agency because they are affecting my credit score by re-inserting an account into negative when I provided substantial proof to them that this account should be listed under " ACCOUNTS THAT ARE IN GOOD STANDING ''. I never had a late payment with mandee 's credit card so the information experian is reporting on my credit report is wrong. Again I have to go through the process of submitting this letter to them again wait 30-45 days and hope they correct my credit report. I have spent so much time and effort and letters along with my time in trying to correct the incorrect information that is reporting on my credit file. Experian is a horrible credit reporting company.

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 01/29/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: These inaccuracies are damaging my credit score which is causing me serious personal and financial hardship. 
I am, therefore, requesting that your agency assist me in this matter. 
For the past several months, I have been disputing several inaccuracies that are XXXX in my credit report I have written three letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Trouble during payment process

Complaint: My XXXX loan was from XXXX XXXX ( From XXXX XXXX/XXXX/XXXX ) transferred to XXXX on XXXX/XXXX/XXXX and now got transferred from XXXX to Bank of America on XXXX/XXXX/XXXX. I have been paying online on time and I was charged {$12.00} XXXX from XXXX to XXXX. I received a check from you regarding a penalty refund from XXXX XXXX ( CASE XXXX Document XXXX Filed XXXX/XXXX/XXXX Page XXXX of XXXX http : XXXX ) XXXX stopped charging me the {$12.00} online fee effective XXXX to XXXX. 

When my loan was transferred again to Bank of America effective XXXX/XXXX/XXXX, I have been paying online on time before the grace period. On XXXX/XXXX/XXXX, I was charge a {$6.00} fee and my grace period is until the XXXX of each month. Is this a valid charge? 

My first mortgage at XXXX has not charged me any of these fees. I have been paying online on a timely manner since XXXX. 

Please advice.

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