milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-01-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Credit decision / Underwriting

Complaint: What about the wrong doing of Bank of America and what they did to this senior even having XXXX dollars title insurance policy. What they did was totally illegal and very wrong!!! AS far as we know they never owned the land that they gave me a mortgage on with me paying XXXX down and paying XXXX a month for 6years is there not anyone that can do the wrong that they have done to me!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Basically, I have been misled by PennyMac Mortgage ( PMac ) Co. as they told me I qualified for Shortsale process at least 2 yrs ago ( which I have email proof ) but all the while, they were trying to get me to refinance the loan knowing that I did not want to refinance. PMac eventually offered me a " trial '' modification loan knowing I did not want the loan or could afford it. All XXXX buyers have walked away and now pennymac has said the house is slated for foreclosure sale in XXXX XXXX, XXXX. 
SEE EMAIL excerpt sent to PMac from me below in parenthesis. 
( I started this process back in XXXX XXXX. I have provided similar information to your company several times with timeliness and expedience on my part. I have over XXXX separate emails where I have sent this type of information to XXXX different Pennymac associates all regarding loan modification to approve for short-sale. I have had XXXX buyers walk away from the sales-contract due to Pennymac 's long processing time and inability to move forward. Both buyers would have gladly re-countered offers if time was of the essence but your company has not shown that it is. The latest buyer put a contract on the house in XXXX XXXX that met all the terms that Pennymac initially requested. Pennymac has waited 4 months to counter offer the closing percentage for this current Buyer. It is now XXXX XXXX, XXXX and Pennymac has not only changed the amounts to accept for contract sale but now is asking for more of the same documentation I provided literally years earlier. Pennymac has been unreasonable in its request and has not acted with sincerity in trying to accomplish the Short-sale. ) MY REQUEST TO CFPB : 1 ) Stop foreclosure proceedings 2 ) Convince Pennymac and FHA to agree to original terms pre-foreclosure for shortsale or, 3 ) Convince Pennymac and FHA ( investor ) to agree in accepting Deed in lieu 4 ) Have Pennymac write a letter to credit bureaus stating that missed payments were due to pro-longed short sale process and credit rating should not be adversely affected. 5 ) Provide support documentation on my behalf if lawyer and I pursue law suit. 
I can provide supporting documentation at your request.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/X/2017, XXXX XXXX XXXX responded to my HIPAA debt validation letter without proof that I was initially notified that the debt would be reported to all three credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Since XX/XX/XXXX and XX/XX/XXXX, several times via USPS certified mail, I made timely and proper disputes for the removal of several inquiries on my credit file that I did not authorized. The bureau immediately told me that Inquiries are generally a matter of fact and that under the Fair Credit Reporting Act, a credit reporting agency must retain a record of companies who have accessed your credit report. In writing and by telephone, I let the bureau agent know that I did not authorize these inquiries and that the FCRA requires that all inquiries reported by the bureau must be or have been authorized by me. The bureau did not remove the inquiries and informed me that all of the disputed inquiries will remain on the credit report for a year or two and that they " should not '' hurt my credit score. These inquiries have and are still hurting me and my credit score because they are neither factual nor authorized by me.

The disputed inaccurate and unauthorized inquiries are : 1. XXXX XXXX ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 2. XXXX XXXX CC # XXXX ... ... ..Inquiry : XX/XX/XXXX 3. XXXX   XXXX XXXX ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 4. XXXX   XXXX/XXXX ... ..Inquiry : XX/XX/XXXX 5. XXXX XXXX ... ... ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 6. XXXX XXXX XXXX XXXX ... ... ... .Inquiry : XX/XX/XXXX 7. XXXX/XXXX ... ... ... ... ... ... ... ... ... ... ... Inquiry : XX/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 11-08-2017 about Mortgage (Conventional home mortgage) with Servis One, Inc. (SC).
Issue: Trouble during payment process

Complaint: Loan Number ( Loan # XXXX ) XXXX XXXX XXXX XXXX SC XXXX We were notified XX/XX/XXXX that the servicer BSI Financial had no record of us having insurance for the period of XX/XX/XXXX- XX/XX/XXXX therefore the company BSI must force us to pay an additional {$310.00} per month on our payment due to escrow shortage. This address is listed below : BSI Financial Services XXXX XXXX XXXX XXXX XXXX, PA XXXX To remit overnight payments, mail to : BSI Financial Services Lockbox Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Customer Care Phone : XXXX Customer Care Fax : XXXX We took the following actions called them on XX/XX/XXXX, called on XX/XX/XXXX and faxed on XX/XX/XXXX still no corrections made and they are changing our payments to {$1500.00} effective XX/XX/XXXX. This is not fair to us because the error was made BSI Financial. We want payments corrected

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
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: Since XXXX XXXX, 2017 I have continuously submitted dispute with the three major credit bureaus regarding information pertaining to bankruptcy on my credit report and have proved with documents that they are not contacting the actual court clerk in this warrants an investigation by someone, The three major credit bureaus are providing false information, without the facts actually being sought. I have sent letters of intent to sue based on their negligence of this matter because I have provided documents many many times On my files, and they refuse to remove false information and have cost me a home, and vehicle due to their false reporting, I ask this be addressed and some one look into the fact that these bureaus are not complying to laws in place to protect the consumer, unless it is for their benefit, I 'm at the point I can not really afford legal counsel but am being forced into this position as they, and anyone I file with, will not serve justice. I demand the Bankruptcy items be removed, as they contain false unverified information and all things associated within.

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 04-01-2016 about Credit card () with PNC Bank N.A. (NJ).
Issue: Advertising and marketing

Complaint: After receiving in XXXX XXXX a promotional 0 % interest rate offer from PNC BANK, I read the offer and was confused on what the 0 % offer applied to. After review I concluded it applied to balance transfers and new purchases. On XXXX XXXX I called the PNC Bank phone # on the offer advertisement to confirm. A Customer Service Representative stated that the 0 % APR interest rate promotional offer as advertised was for both balance transfer and new purchases till XXXX XXXX, XXXX. 
That day, I did indeed transferred a credit card balance from another bank to PNC BANK VISA. I was charged a fee of 1 % for the balance transfer and began using my PNC Bank Visa card for new purchases.The interest charge on my next XXXX credit card statements eluded my review. The most recent statement I discovered an interest charge of 14.24 %. 
When I called PNC Bank for an explanation they requested I fax them a copy of the promotional advertisement. I did immediately, and by the end of the day a customer service representative ( name XXXX ) called me and stated " The Bank Stands Behind Their Advertisement '', and only the balance transfer is 0 % interest. 
I stated, " I will have to take the matter to another level ''.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I decided to check my reports from all credit bureaus for accuracy after a recent fraud alert scare. I have noticed that there are a few credit inquiries on my Experian credit report that I DID NOT authorize and had no knowledge of. I contacted Experian via phone and certified mail and was being given no relief. I also have a fraud alert already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.    1.  XXXX   X/XX/XXXX  2.   XXXX    XX/XX/XX , XX/XX/XXXX , XX/XX/XXXX  3.   XXXX   XXXX   XXXX   XXXX     XX/XX/XXXX  4.  XXXX   XX/XX/XXXX  5.   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX  6.   XXXX     XXXX    7.   XXXX    XX/XX/XXXX  8.   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX  9.   XXXX   XXXX   XXXX    XX/XX/XXXX  10.  XXXX   XX/XX/XXXX  11.   XXXX    XX/XX/XXXX  I have now locked my credit reports until  I am ready to utilize.

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 03/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I filed for a loan modification with US Bank, my mortgage company because I am behind in my mortgage. I ca n't pay the mortgage since my husband died, and I had to sell the business. I have significantly less income and ca n't make the payment. I got a letter from the attorney for the mortgage company saying that there was a foreclosure hearing date on XXXX/XXXX/2016. I called them on XXXX/XXXX/2016 but my relationship manager was on vacation. I spoke to another representative who told me that they had received the loan modification application and that it was in review. I asked the representative if they could call the law firm and ask them to postpone the hearing while I worked out a short sale. She told me that it was in review and that they had no sale date and that everything got put on hold until the modification was out of review. Based on that information, I did not attend the hearing on XXXX/XXXX/2016. However, I received a letter this week from the attorney that a sale date had been set for XXXX/XXXX/2016. I am just looking for them to postpone the sale date so I can work out the short sale. I have an investor who wants to buy my house.

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 07/21/2017 about Payday loan, title loan, or personal loan (Installment loan) with Integrated Recovery Services (WI).
Issue: Struggling to pay your loan

Complaint: I received a phone call from Intgrated Recovery Services regarding an installment loan that I could n't finish paying. I asked if I could call back after I checked the information out. I found that I did take the loan out. I could not remember this company when I was first contacted. I called back the same day to see what kind of arrangements I could work out. The first man I spoke with was busy so I got another man. I told him that I had never received anything in writing to validate the collection. I know I owe the pay day company but was n't sure if this company had bought the debt. I wanted a notice in writing. They asked if an email was ok. I said that I wanted it in writing by mail. The guy started yelling at me telling me that Trump had changed the laws and I am going to lose and I should just pay my bills and my tricks do n't work. Trump changed laws and he is not on my side. I 'm finished. I find that to be so belligerent and rude and honestly scary that someone would speak to me that way when I just wanted some validation that this company actually bought the debt. I only borrowed {$300.00}. It ca n't be that hard to make an arrangement once they verify that they actually bought the debt from XXXX. XXXX. I do n't want to call them back and be talked down to and screamed at. I did n't treat them that way and ca n't participate in resolving the issue if they cant be professional. I also do n't know why they find it so difficult to send me something in writing to validate the debt. Legally they have to sdnc something in writing notifying me of the debt. I have never dvdn received any collection notices from the original creditor. I find it fishy.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Inquirer Name : XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX My identity was stolen about 14 years ago but still till this day they try to apply for loans and credit cards they even tried to steal my mail from my house, they applied XXXX XXXX twice separate dates, i haven't use my credit for more then 10 years because of this problem my life is ruined because of identity theft, please remove this 2 inquires from my credit report, even if it matches your information that doesn't mean i applied for it, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX lists numerous late payments when, in fact, I directed them years ago to automatically take the money out of my checking account. Their failure to do so has resulted in derogatory information being reflected as aforestated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On my credit report there is a judgement that needs to be closed and removed from my credit report from XXXX Bank XXXX, this is from when I filed bankruptcy and is still showing I owe XXXX dollars. The judgement for bankruptcy was granted and all debts cleared, but this is still appearing on all XXXX credit reports. 


CIVIL JUDGEMENT IN BANKRUPTCY CIRCUIT COURT XXXX $ 0XXXX XXXX XXXX XXXX XXXX {$3700.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Debt collection (Auto debt) with Go Capital Holdings, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Since  XXXX    XXXX   I have attempted to get validation of debt from this through all credit bureaus they have never responded I tried calling no luck. But  GO FINANCIAL  is reporting debt on my credit reports making it hard for me to make big purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX has been adding a bill to my Credit and the Trans Union, XXXX and XXXX keep putting it back on my credit I was XXXX when this service was started and did not have phone service. It either belongs to my grandfather who passed away a year or so ago or Dad or one of the other XXXX XXXX XXXX in PA. This issue has cost me credit twice and I have repeatably tried to have it removed and either XXXX or XXXX collection agency keeps putting it back on my credit. Please get this removed and kept off my credit as soon as possible as I am considering changing jobs and I do not want this to interfere. It is related to XXXX and if it was related to XXXX XXXX XXXX XXXX PA XXXX or XXXX XXXX XXXX XXXX PA XXXX. I moved out of XXXX XXXX XXXX my Dad 's house in 2008 when I was XXXX and moved to XXXX PA this is not my bill and it is not right that credit bureaus have that much control over someones credit and have no consequences for their irresponsible actions. I know that is true because my mother has been fighting them for 6 years to remove the a serious delinquency report of her credit and they keep reporting it to everyone and sending her a different copy of her report without the serious delinquency on 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 non-monetary relief
Consumer complaint received 04-06-2015 about Bank account or service (Checking account) with PNC Bank N.A. (FL).
Issue: Account opening, closing, or management

Complaint: PNC Bank closed me out. Held my money, which made my house payment late. Then after saying they would not do any thing to Uncles account .They closed it with out notice. Now his SS check is in limbo.

Company response to consumer: Closed
Consumer complaint received 02/14/2017 about Mortgage (Conventional fixed mortgage) with POINT ESCROW, LLC (WA).
Issue: Settlement process and costs

Complaint: I used an escrow company to close for a house purchase on   XXXX  -2016 in  XXXX , WA. I signed my paperwork in their office. I did not receive copies of what I signed. They overcharged me fees, and after closing, mailed my {$160.00} refund check to the incorrect address. They mailed it to my previous address, not the address of my new home I closed on that day. I never received the refund check or my paperwork. Now they are demanding to deduct {$45.00} from my refund for a stop payment fee for the check they mailed to the incorrect address. They said they do not have control over the United States Postal Service. I would like help in getting my full refund, and copies of my final settlement statement, and paperwork. In past real estate transactions, I received funds/refunds the day of closing at closing. They did not have a problem calling me when they needed something, however, they did not call me when I had a refund coming I could have easily picked up considering their office is less t han 2 mi les from my home. Something else is how Point Escrow 'price matched ' on their fees was deceiving. Their fee was {$1800.00}. I found a company whose fee was {$1500.00}. I appreciated the price matching, however, they only lowered my half of the fee by {$150.00}, instead of lowering it by {$300.00}. They said if the seller sent the price match in, they would lower it for his half. I thought since I found the price match, that my fee would be lowered by the full {$300.00}. It ends up I had to tell the seller about the price match, and provide the info to him to send in for the price match too. I had to ask him if he would reimburse me for the savings I found, or use it towards a professional cleaner for the house. Awkward, and of course, neither happened. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There was some fraud made on XXXX as someone tried to make accounts under my name. XXXX said they would tell transunion to remove the following the hard pulls as I did not authorize them. Transunion also said they would remove them. Both companies have nothing removed them and they are still on my file. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/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