milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2016 about Mortgage (Other mortgage) with PENNYMAC LOAN SERVICES, LLC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Currently trying to resolve a property claims issue with Pennymac that has been ongoing for 28 days with absolutely no response from them or resolution. Our home was involved in a Natural Disaster in XXXX 2016. We are currently at a stand still on our home repairs and have leaking roofs that continue to get worse due to the lack of response and resolution from Pennymac Loss Draft Department. After 15+ phone calls to them for a release of additional insurance funds to move forward on to the final step of roof repairs for our property I continue to get the same response that a request to release another XXXX of the funds has been submitted and will take XXXX5 business days for a response. To date every phone call ends the same way with the Rep indicating they do not see where the request was submitted and they would send the request and I would receive a phone call within XXXX-48 hours. Still no phone calls from Pennymac at all and no closer to a resolution. I continue to be told their process is to release funds at XXXX at a time after inspections. However, I have explained every time that the XXXX process does not work for my property loss and repairs. I have explained to them over and over to look at the Insurance itemized claim, it clearly shows I 'm at a stand still on repairs. To even get to the next step in roof repairs it requires the majority of the remaining insurance funds to be disbursed. My primary damage was roof damage. House roof and damage has been repaired and next step is all the detached property repairs which is all metal roofing and XXXX body/piece of work. For some reason no one at Pennymac can understand what is needed and continues to not execute on any of my phone calls to date. I had to cancel a contractor today simply because I ca n't get anywhere with Pennymac. With every rain that comes while dealing with pennymac there is more damage to my property where the roofs continue to leak. This is absurd. We have insurance coverage and yet ca n't get my repairs complete. Will have more damage and I expect XXXX will be responsible. I have submitted all the documents Pennymac requested on each phone call but yet nothing has been done to assist. I have exhausted all efforts with Pennymac and asked to escalate today XXXX/XXXX/16. Spoke to an Escalation Rep who also provided the same information. Supposedly a request for the needed funds was submitted today, however, the request is only as good as XXXX. approval for the release. At this point I will submit a complaint with Regulatory from every XXXX available for assistance. I hate to think how many other XXXX XXXX are, or have gone through this with Pennymac.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I requested a credit report from XXXX, equfax, and XXXX and they refuse to give me a credit report after I was denied credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-04-2016 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Arbitration

Complaint: My XXXX XXXX XXXX XXXX Credit Card was recently changed to a XXXX Card from Barcalycard and I was required to sign a contract with a FORCED ARBITRATION CLAUSE if I wanted the credit card. I sent them a letter asking to opt out and still get the credit card, but never heard back. This violates my rights by blocking me from suing if there 's a dispute. Also, there 's no right of appeal, no public record, no requirement to follow established law. It 's a consumer ripoff! Please stop this and enact rules to end this practice. Thank you. I look forward to hearing from 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 07-07-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (HI).
Issue: Loan servicing, payments, escrow account

Complaint: I had been making extra payments to the principal to lower the LTV ratio to remove the PMI insurance from my loan. Once my LTV ratio was 77 %, I asked that the PMI be removed. Chase informed me that I could pay for a BPO {$110.00} or appraisal $ XXXX-XXXX to remove the PMI before it would automatically remove on the scheduled date. I contacted Chase and was told that a waiver would be submitted for the XXXX fees. I received another letter stating I must pay {$110.00} for a BPO to remove the PMI from the loan on the scheduled date and the LTV ratio is now 76 %. Also, all payments have been made on time and I am in good standing on the loan. A quick scan on the internet estimates the home to be valued at double the loan amount. I have n't found anything in regard to laws that prohibit lenders from charging consumers to remove the PMI once the loan hits 78 % LTV ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello, I am sorry I had to come to this point, but I have been disputing inquiries with Equifax for some time now from companies that I never authorized to use my information. What is killing me now is their website is telling me that my information was compromised in their data breach and I 'm devastated because I have been telling them forever that there is a bunch of inquiries that I did not authorize anyone to do. A few months ago I had got a email notification from a monitoring service that I use that someone has logged in my account which was not myself or my wife because we were together. I hurried up and change the passwords to all of our accounts immediately. It 's so scary not knowing who has my info and is using my info to try to get themselves a car and cell phones and I guess what seems to be a new mortgage. 
*XXXX XXXX Inquiry from XX/XX/XXXX *XXXX Inquiry from XX/XX/XXXX *XXXX XXXX Inquiry from XX/XX/XXXX *XXXX Inquiry from XX/XX/XXXX *XXXX XXXX Inquiry from XX/XX/XXXX *XXXX XXXX Inquiry from XX/XX/XXXX *XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX *XXXX XXXX Inquiry from XX/XX/XXXX *XXXX XXXX XXXX XXXX XXXX
Inquiry from XX/XX/XXXX XXXX- Removed all but one of the inquiries that I did not authorize.
*XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Advertising and marketing

Complaint: XX/XX/2016 I received an AmEx mailing offering an AmEx Premier Rewards card with a XXXX point bonus after $ XXXX spend. I was uncertain if I have ever had this card before so I called AmEx to confirm that I was eligible. After speaking to XXXX different people it was determined that I was in fact eligible for the bonus. I was informed today that the bonus was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery placed a collection on my XXXX account that has been disputed and can not validate the account per the CFPB CONSENT ORDER rules and agreement as follows as attached. 
1.Portfolio Recovery is misprespresenting the debt on my credit report as attached and without validation. 
2.Portfolio Recovery can not provide account level documentation and do not have enough information to investigate the account they claim to be able to collect per their letter to me XXXX XXXX, 2016 and in response to my letter to them XXXX XXXX, 2016 both are attached. They want me to provide the information to that they do not have. 
3. I never opened a XXXX account. 
4. They never sent copies of any validation such as requested in my letter to them XXXX XXXX, 2016. 
5. They are violating the Consent Order XXXX as outlined in my attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Debt collection (Medical) with D&A Services, LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was called by someone at XXXX who claims I still owe money for a XXXX account that was paid over 6 years ago. The man I spoke with was forceful and threatening that his client might sue. It was shady at best.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: This is an addition to the previous complaint # XXXX : After begging Ocwen for a Short Sale package they finally did, however it took 2 days to send the documents. However there is concern of FRAUD from Ocwen. Here are the details. 
1.The XXXX system they use would not allow me to see the documents, because I needed an email from them to activate the account. 
2. I advised Ocwen of this, and they said they would put a package in the mail and would also send the documents thru their company e-mail. 
3.At XXXX XXXX and 2 days later, I received the company e-mail with the XXXX page document attachment. 
4. Amazingly, after I received the document, the XXXX, security activation e-mail came thru. ( 2 days later as well ) 5.I went to my bank to fill the paperwork out and the bank ( XXXX XXXX ) faxed the package. Ocwen said they did n't receive it. 
I asked for another fax number and I got, Rep # XXXX, and faxed the second time, from the same bank, to Attention XXXX and she said she would call when she received it, it was her direct fax line.She never called. 
6. Yesterday, I called and verified that it was there with rep # XXXX and he said they did receive the XXXX page package from the bank. 
7. Here is the potential FRAUD, page XXXX, income information. 
a.On the documents sent by Ocwen, page XXXX ( income page ) it has my spouse salary as XXXX a month and my weeky salary at XXXX. These numbers were already filled in by Ocwen. These figures are incorrect and these figures HAVE NEVER BEEN THIS AMOUNT! 
b. On the " secure documents from XXXX '' the salaries were increased amounts, his was XXXX per month and mine was XXXX per week! 
c. On yesterday, I received the mailed package and, page was completely empty, no salaries were listed. 

Note : I have been dealing with this kind of problem for several years. I originally wanted to keep my house. At this point, I want to get a reduction on all of the inflated fees on the mortgage, and the ability to avoid foreclosure and complete a short sale my home and receive a relocation package. My spouse is a Veteran and served his country faithfully, both of us have worked hard and I still do, we just want to be treated fairly and Ocwen has not done it. 
It appears they just want to foreclose XXXX XXXX by any means necessary. Your help is very much appreciated in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (Other debt) with AFNI INC. (UT).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: " AFNI '' is reporting on my credit report an account with a high balance and original creditor they listed as " XXXX XXXX XXXX. '' I had already verified with XXXX this account had been paid a couple years ago, and I have sent " AFNI '' two requests for validation of this account. The most recent was on XX/XX/2017, and I have attached it to this complaint. They failed to respond or provide any documentation of such account as required by FDCPA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Advertising and marketing

Complaint: Misleading advertising on annual fees by American Express. I was under the impression that the first year 's credit card fee would be waived, but was charged {$190.00}. Upon iquiry with Amex I was told there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (I do not know) with NORTHLAND GROUP INC (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received several calls from Northland Group at XXXX ( I had to look them up on line ) as well as calls with no caller id asking when I would be at home to serve me papers. They will not disclose who they are or what debt I owe. I do not owe any debts and they say I do.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The aforementioned credit agency representing  XXXX  has violated the FCRA by not providing documents to me in regards to this debt I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files :   XXXX   XXXX   XXXX   XXXX  . The business is  required to disclose to me all the documents that they have recorded and retained in their files that pertain to this debt. If Credit Control Services does not have any documentation, they need to remove this from  my credit file immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (Payday loan) with Earm LLC (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Was informed that I owe on a old payday loan. Was told their are XXXX actions pending against me.. They said I committed a a fraud by taking out such loan and not paying it back.. They claim the debt was from sometime back in XX/XX/XXXX and it was charged off in XXXX They informed me that they contacted my current employer.. But at the time I was not employed by them.. They also said the debt was sold to them, and I owed them now.. The mentioned my current bank but a old account number.. The also told me my old address.. When I asked them for their company name, their current address, on women told me the name of the company MAC and current location as in front of her desk?? I also pressed for the company that I orginally had the loan from, the account number, the companies ( whom I owed ) current address and contact information.. I was told that they could not and would not provide me with such information ... I was also informed a server would show up and serve me with papers to appear in court.. When I asked them, how is that possible when they did not have my current address. Her reply was the server has it and will show up today XX/XX/XXXX at XXXX Well the time came and went.. I was finally able to get one person who I talked to, to give me her name and email address. Her name was XXXX XXXX, with a email address of XXXXXXXXXXXX ...

Company response to consumer: Untimely response
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is a utility account open XXXX XXXX. I did n't open this account, however I paid it in full in the early months of XXXX, I believe it was around XXXX or XXXX XXXX account had an outstanding balance of {$71.00} dollars. I paid it because at that time I was buying a house and it was an outstanding negative balance on my credit profile. 

The credit agencies are still showing this as an negative account. I disputed this account with the credit reporting agencies and I guess they must have contacted the utility company and the company says this account is still showing not paid and as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Debt collection (I do not know) with Capital Management Services, LP (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Capital Management Services has called me over a dozen times saying that they are trying to collect debt from me. I have no known debt what-so-ever and I checked my credit report and I have ZERO debt. Very confused as to why they continually call me. I have not answered and I do not plan to answer until they provide me with a letter or proof of said debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I installed a new furnace in my house in XXXX XXXX. Through the heating company they gave me a XXXX credit card through Synchrony bank. I thought 'Cool. I can pay this off in installments '. Silly me, I made my payments without issue for about a year and a half. I did n't pay close enough attention because sometime in there they started charging me {$120.00} / month for a card security fee I did not agree to! I sadly did not notice this until all of a sudden I am over my credit limit and they are wanting a payment of {$700.00}. Shame on me. I checked my statements. Apparently to make up for lost time, there were some extra charges in there. I contacted Synchrony. The first person i talked to told me they could n't do anything. I asked for a manager. I explained my situation and she told me i was not the only on that had this happen. Seriously? They think this is okay? She then directed me to another company. I was able to get a {$5600.00} credit. I thought this would help clear up them thinking I owed more than double my normal payment. I was wrong. 
I called them to clear up the misunderstanding and for them to fix the damage done to my credit score. I was told I had a payment that was paid, online, two days after the due date in XXXX XXXX and this was why it was late every month there after. Two days!!! They do not have a grace period and did NEVER mentioned that in any form of communication or on their website. I am now struggling to get my credit score fixed. 
If you look at my account with Synchrony, I do not currently owe anything. however on their end I am {$300.00} behind. 
I would not recommend doing business with Synchrony to anyone. This has been a 3 month battle for me and I am still fighting to get this cleared up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint: This is a complaint against Bank of America. I recently opened an account with bank of america in branch for a small business account for a bonus of {$500.00}. 

The terms were as follows make deposits of {$5000.00} within the first 60 days and make XXXX in purchases on a new BofA credit card ( thus I should recieve XXXX ). I did both and I waited and waited. I made sure to go back into branch and was assured that I had met the terms of the bonus. I even called the bank directly, again I was told the bonus would post and no action was needed on my part. Multiple reps assured me that I had met the terms of the bonus. No bonus was forthcoming. I called today and was told that now after the fact I did not meet the terms of the bonusno clear explanation as to why the direct deposit I completed didnt count. When confronted on what others had told me the individual on the phone simply stated, I dont know what to tell you. '' An investigation was opened. ( I am not hopeful ). This is an extremely shady way to operate. Bank of America should pay out the bonus offer as specified. 

I will file a complaint with the AG office in my state of MA and send this complaint over to Senator XXXX office. This is outright deceitful to 1. tell me I met the terms ( when I didnt ), and then deny the bonus ex-post facto the bonus date had passed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Have been trying to get numerous errors of my consumer credit reporting file without success ; have written letters, phone calls etc issues still have n't been remain the account I have an issue with that are reporting on all 3 of my consumer files are Chapter XXXX Bankruptcy per new law that is reporting inaccurately and needs to be removed : XXXX XXXX XXXX Accounts that are reported included in a bankruptcy I did not file and does not belong to me are XXXX, XXXX, XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX XXXX these account are not mine, are reporting invalid I have not signed a contract with these companies no monies are owed and I would like these accounts, all inquires not attached to an account, and bankruptcy removed from all three of my credit reporting files 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 06-03-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is my last effort to resolve this matter before I pursue to taking legal action.   This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validate of it and asked that the item be removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.     The company failed to satisfy validation requirements, and all the while kept on reporting the account on my credit report as though it was an accurate account with no disputes. This is a blatant violation of the Fair Debt Collection Practices Act

Company response to consumer: Closed with non-monetary relief