milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: PNC mortgage forced escrow due to malfunction on my insurance companies side and they mailing out saying all the companies accounts we delinquent due to glitch. Well they reinstated them. My mortgage company " did not '' reinstate my insurance. They continued to escrow and not apply my mortgage. All though one i called they said they had received my policy hence the forced escrow should have stopped. I have emails and fax confirmations for 4 months now that I have sent the info needed. The collections dept ca n't call the escrow dept because they have different work hours. If they are to provide a service to collect then they need to have all dept open at the convenience of the customer to resolve any issues at hand and not have gaps in time and systems info communicating to all dept related to an account not just tid bits related only to that department. They returned my money reported it as not paid. Now reporting that to the credit bureau affecting my credit history. An email and I would have sent payment asap to avoid credit reporting issues.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a telephone call on my cell phone XX/XX/XXXX, or XX/XX/XXXX. The caller gave me my birth date and ask for the last XXXX numbers of my social security number stating she could not tell me what the call was about until I gave her my personal information. She did say it was about owing money and maybe it was owed by someone else who put my name on it. Because we have all been warned not to give a caller our personal information, I told her she would need to contact me in writing through the postal service. She stated they had already done that. I have received no mail from a collection agency or from XXXX XXXX ( the company hiring the collection agency. ) I knew nothing about the incident until I received the call on my cell phone. I had XXXX XXXX year ago, but paid my bill on time and in it 's entirety. I dismissed it as a prank call. XX/XX/XXXX I checked my credit report and the collection company had put it on my credit report as a delinquent collection. My credit score went down immediately. I am frustrated by the methods the collection company used to contact me and asked for private information without giving me a name of the company or other identifying information. My credit has decreased by so much and affects my credit. If the company would contact me with a legitimate name or give me information to call them, I 'm sure this can be worked out. The collection agency is Amsher Collection Agency. I wish to get this issue resolved.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, 2017, XXXX XXXX erroneously reported that four student loans allegedly incurred by me are 120+ days past due and the balances stated are incorrect. These liability on the loans and balances are presently in dispute and the subject of XXXX XXXX XXXX. XXXX in the United States District Court , District of Massachusetts. The subject of this lawsuit is that the loans were procured by fraud ; TILA disclosure statement violations ; and conversion and/or misapplication of payments by XXXX XXXX. Despite the issues raised, and disputes filed with XXXX, XXXX, and XXXX, Navient persist in filing negative reporting. The credit reports should read " disputed '' rather than delinquent. By falsely reporting to a consumer reporting agency, Navient has committed violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Credit card debt) with KMT Group, LLC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: This is about a complaint i loged against the company XXXX XXXX XXXX with the cfpb on XX/XX/XXXX for triying to garnish my wages.the complaint # is XXXX. In their response the company indicated That they no longer own the debt and i should contact kmt group which is just a debt relief law firm.XXXX XXXX XXXX just send a certified letter to my job place to start garnishing my salary.they actually deceived the cfpb by saiing they transfer the debt to KMT.the proof is XXXX XXXX XXXX is the plaintif against me ( i will attach the copy of the letter send to my job ) .As i said before why do they asking me to paid {$3800.00} plus interest of XXXX. I spoketo someone who said the debt is from XX/XX/XXXX and i can find it on my credit report.please help i makeabout $ 430.00/weekwith a family of XXXX.XXXX XXXX XXXXstill triying to collect with the help of XXXX XXXX XXXX XXXX.thznk you

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are XXXX inquiries on my credit report from credco which I did n't authorize. I do n't know what credco is or what its for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XX/XX/XXXX my mortgage went up after having a loan modification five years ago. I know I should have been on top of that but after five years I completely forgot, so I sent to XXXX my regular mortgage payment. They put the money on an account named unapplied funding. XX/XX/XXXX they called me and saying that I was late, and then they said that I did not sent the monthly payment. They said that they sent me a letter reminding me that my mortgage loan was going up on XX/XX/XXXX and that is not true. I never received that letter. 

To make the history short it took me 4 month before I was able to speak with a manager. They didnt want to cooperate at all and the whole issue took me seven month until I filed the report with the federal consumer agency, ten days later XXXX XXXX called me and apologized and said.. XXXX XXXX I apologize..You were right, I was wrong the money was yours and we put it back in your account and waived all the late fees. I told them that they need to report the right thing to the bureau of credit as we agreed since the beginning of this dispute that he ( XXXX XXXX ) said that they will do it if I was right, and I was. 

I filed a dispute with the bureau of credit because they refused to fix that with them. Today, I received the result of my dispute and said that XXXX reported that the report is accurate. I dont believe it is because if they want to report the month of XX/XX/XXXX as being late because I forgot that my mortgage payment was supposed to go up that month its ok, in part was my fault but not the other 6 months they are reporting. Those six month I was in constant communication with them trying to fixed this matter. What they did was every time I sent my mortgage payment they applied to the month before so I was late for every single month after that. 

They misplaced my mortgage payment for one month and make late for the following 6 month. If I was late like they are saying how they found the money applied back to my account and waived all the late fees? They waived all the late fees because they know I wasnt late. The bottom line is that they made a mistake and fixed but I am the one paying the consequences. 

I really appreciate if XXXX finally fix this entire problem and recognize that they did me wrong. I need my credit report to be fixed and to do that XXXX need to report the right thing to the bureau of credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2016 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: Ditech has called everyday for four days ( Tuesday, XXXX XXXX, 2016 - XXXX XXXX, 2016 ). I advised each caller that I had already spoken to someone in previous days. Today, I got two calls within two minutes of each other ( XXXX and XXXX ). Based on previous experience with them - especially with the representative XXXX 's manager -, I believe Ditech is purposefully harassing me to to force me to make promises of payment that I am not certain I can keep at this time.

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 01/19/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: I lost access to secondary email address for bitcoin vault access.. I need to have a new vault created by Coinbase. Over a month ago, I was told my case was forwarded to " subject matter experts who can help '' and " They will get back to you shortly. '' I have heard nothing in over a month. Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC ().
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: For about a month I am trying to pay my loan via XXXX debit card, but the new website for Heartland ECSI is not allowing me to do so. I spoke to customer service and they told me that there was a problem with the website but 3 weeks have gone by and I still cant pay through the website. 

I filed a complaint with CFPB and in XXXX XXXX the company replied to me saying that yes, that payments with XXXX card using XXXX could be made. I have tried to pay again using XXXX and I still am not able to pay. I inmediatelly answered to their email but they have not responded, and I am still not being able to pay using my XXXX debit card. 

I now live in XXXX and I am very worried because I want to pay my student loans and this company is not allowing me to do so after they changed their website. 

I am afraid also that they will give me late fees because payments are not able to be made.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Credit card () with DISCOVER BANK (IN).
Issue: Other

Complaint: I am starting to be harassed by phone for credit card collection. I want Discover to cease and desist contacting me by phone for collection on my Discover credit card account. I have other credit card companies that have used harassment by phone for this reason and reported them and the credit card companies quit calling me. Please contact them and let them know that this type of harassment is illegal. 
Contact information : Discover Card information : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX IN XXXX SS # ***********

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2018 about Debt collection (Other debt) with Receivables Performance Management, LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I just received a collection letter from RPM Receivables Performance Management LLC. dated as XX/XX/2018 demanding a Payment of {$570.00}. 
I don't know where this debt is coming from then for I will formally dispute it. 
I want to ask the CFPB in my behalf to request this debt collector XXXX to cease and desist any collections efforts because the fact I don't owe nothing to XXXX. ( Since Now I know I will file an complaint against them with the FCC for doing this, using different debt collectors to pursue an amount that I don't owe them Since I believe there is another debt Collector its name is XXXX XXXX I opened a complaint against them CFPB # XXXX ( also trying to pursue the same alleged debt ) checking in the CFPB system this company XXXX XXXX   return the complaint at least twice to the CFPB stating " The company responded that they are not the appropriate company to address your issue.The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information '' I'm attaching the other debt collector copy of the letter I received after I filed against them and now they are denying to the CFPB they are the ones did the harassment phone calls well with this letter it shows they tried to avoid to respond my complaint to the CFPB.Clearly this company is violating my consumer rights under the FCPA

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 04-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (VA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Subject : Complaint about Barclays Bank ( Barclaycard ), Delaware On XX/XX/XXXX, I bought educational programs from Company called XXXX XXXX. I spend almost {$50000.00} for this. Using the credit cards that they pushed me to open in order to fund them. These credit cards of XXXX bank, XXXX  XXXX XXXX, XXXX  and XXXX were for the same purpose of paying the above mentioned company ( XXXX XXXX ). With this purchase I was supposed to receive 16 sessions of " one-on-one '' marketing training over the XXXX in order to be able to market back their product and get commissions. However, instead of getting the promised training, the assigned coach asked me for additional $ XXXX - $ XXXX, and didn't train me the way they had promised to do so. As a result, I received ZERO training. 

I feel very much tricked and cheated, so I called the credit card banks to file for dispute.Out of all these banks, XXXX XXXX resolved my problem within the first 10 days and returned the full credit to my account which I do appreciate a lot.But today, XXXX XXXX Which I filed for complaint on XX/XX/2018 and provided them with all sorts of documents and contracts said they can not help me because in the contract between me and XXXX XXXX  it says it's nonrefundable. They refuse to see my point to even refer to the contract in full. If they take time to review the contract, they should also see that XXXX XXXX, were supposed to provide me with a service which they obviously didn't. Therefore, it was them that breached the contract in the first place. 

What is the point of having Barclays bank credit cards ( Barclaycard )? To make sure you get ignored when you don't receive the services you are promised by the vendor? Just because they don't want to spend enough time on correct and complete investigation of everyone 's cases, you should get screwed? Or is it because they don't want to give up on the commission they make from a dishonest organization, they refuse honest hard working people of their promised benefits / rights? Which one is it? I would like to know!!!

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 06/21/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Struggling to pay mortgage

Complaint: I have one parcel id number and two addreses XXXX and XXXX XXXX XXXX XXXX XXXX XXXX have been paying my mortgage regularly for almost ten years on time. I do not want to loose this property i want to work something out like a modification agreement which sometimes they agree on doing that and sometimes they say they are going to foreclose.I got a letter last year that said my payments on each heloc was going from XXXX to XXXX/m each.This is when i stopped paying cause they told me i needed to do that in order to recive my modification.They asked me to make a payment XX/XX/XXXX on each so i did to Bank of America.loan number XXXX XXXX and loan number XXXX XXXX.I sent them everything asked for checks tax returns bank statements profit and loss statements you name it they have it more than once from XX/XX/XXXX.They have an incredible lack of understanding any of it. My relationship manager XXXX says ooh dont worry everyone else says nothing is happening and they hired an attorney to foreclose on me they say XXXX and XXXX some lawyer in florida.They have underwriters that will not talk to me and they are the ones that dont seem to get anything now so much time is going by im very worried.I have a XXXX son with XXXX so from XXXX years old i spent a fortune on doctors.They kept sending me documents saying the modification on both loans are being worked on but i dont think so by the way other managers who answer the phone has explained to me.This is a horrible situation.

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 07-06-2015 about Credit reporting () with EQUIFAX, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed the open collections that are still showing up on my credit report since my bankruptcy was discharged XXXX XXXX 2014. The Equifax is not reporting the collections correctly and after talking with the collection agencies themselves i was told they are reporting them as closed collections discharged in bankruptcy. This is causing XXXX collection accounts to show up on my credit report as open collections dramatically injuring my ability to rebuild my credit. I have had no collections since the bankruptcy and have been disputing with this agency since the beginning of this year XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Pacific union financial was utterly incapable of providing a payoff letter and attempts to coerce you to refinance with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: All Credit bureaus state, including this one, that it is their policy that when shopping for a mortgage or car loan and there are multiple credit inquiry 's in a short time period, these inquiry 's will be reported as 1 inquiry. It is understood that a record of all inquiries must be maintained. But they must have their software make the adjustment in the " NUMBER COUNT '' of inquiry 's on the file. I recently bought a house and a car. instead of having XXXX recent inquiry 's, I have XXXX. I am losing 10 % of my credit score with all outside creditors because of this, and it is costing me a lot of money because of increased interest fees..

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 Credit reporting () with EQUIFAX, INC. (AL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: There are several inquiries on my credit report that I did not authorize. These are ALL A RESULT OF COMPAINES FRUDENTLY OBTAING MY CREDIT REPORT INFORMAITON AND EQUIFAX GIVING THEM MY INFORMAITON. I have written to each company listed informing them that they pulled my credit without my permission. I also disputed these inquires with Equifax. Equifax has said they would not remove them as I authorized them. I have asked for each company that inquired for my credit to provide me with proof that I authorized these inquires. I also have asked Equifax to provide me with the proof that they have received from each inquiry showing that I authorized these inquires. Both the company and Equifax have failed to provide me proof that I authorized these inquires. Equifax has also failed to remove these inquiries from my report as they were not authorized by and are now FRAUD inquires. Equifax has also failed to investigate these fraud inquires on my credit report and has kept sending me their standard generic letter about inquires. How about they actually read and do something other than spitting out there generic letters. This is a violation of my FCRA rights and is hurting me financially now. 
1. XXXX XXXX XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX. XXXX XXXX Bank - Date of inquiry XXXX/XXXX/XXXX. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX. XXXX XXXX Bank - Date of inquiry XX/XX/XXXX. XXXX XXXX - Date of inquiry XX/XX/XXXX. XXXX XXXX GA - Date of inquiry XX/XX/XXXX. XXXX XXXX - Date of inquiry XX/XX/XXXX. XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX. XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX. XXXX XXXX Date of inquiry - XX/XX/XXXX XXXX date of inquiry - XX/XX/XXXX. XXXX XXXX date of inquiry - XX/XX/XXXX. XXXX XXXX date of inquiry XX/XX/XXXX. XXXX XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX. XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (NH).
Issue: Money was not available when promised

Complaint: I made the decision to use WESTERN UNION to transfer {$500.00} to a stranded friend in XXXX, XXXX XXXX. She was homeless, no cash, and with her young son. The WESTERN UNION Website advertised that they would be able to get it to her same day. IT HAS BEEN 6 DAYS SINCE I SENT THE MONEY!!! AND MY FRIEND IS STILL WITHOUT IT!!! I have called and written with no resolve. SHAME ON YOU WESTERN UNION!!!!! She has all the necessary ID and numbers needed. They use the excuse of being a chain and not having control over their vendors. THAT is CORPORATE XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Army and Air Force Exchange Service (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have duplicate reporting and one of them is closed and the other is currently opened and I had missed payment on them but ive been making payments on time and in fact I paid the balance down to 10 %.

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