milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2017 about Mortgage (Reverse mortgage) with DIRECTORS FINANCIAL GROUP (CA).
Issue: Closing on a mortgage

Complaint: OnXX/XX/XXXX we started process of a reverse mortgage. This was to be a ZERO ... .NO COST LOAN. NO PMI, NO APPRISAL, NOTHING. Only amt. borrowed. {$270000.00} We were XXXX around, apprisal was ordered on XX/XX/XXXX. On XX/XX/XXXX appraisal was done. Apprisal was completed & signed off on XX/XX/XXXX.  Loan approval XX/XX/XXXX. We signed loan docs on XX/XX/XXXX. With disbursement of our closing, settlement payment on XX/XX/XXXX. Today is 3 months, 1 week later. We have benn fighting to get our money back. The loan officer says the owner would call us, claiming HUD was double payed the PMI. We had to be patient, I kept calling, kept emailing, same old story. Mortgage co.ower never called until XX/XX/XXXX. 2 months after our settlement date payment passed. He actedXXXX, like he had no clue what was going on. Like I was XXXX, or lying, or or loan office was XXXX, lying or did something wrong. Promiseing to email me all his info for our attorey as call ended. NEVER HAPPENED. Had to again dog our loan officer. The owner calls, lies says he called, emailed me. That he was now not sure if there was a legal way to do this. He now needed my attorneyes number. I said I want my money, only want my money, no more lies, no more XXXX. I DO NOT TRUST YOU, YOU ARE A LIAR. DO NOT CALL ME AGAIN. ONLY CORRESPONDENCE BY EMAIL. Everything in we ] riting only. I filed a complaint with Calif. Business Office. I still keep hearing I need time. Then the loan officer said the owner wants you to sign a letter of finincal hardship to get our refund, the he wrote up. And we will sign a release on my state complaint. I said we wanted any additional costs, intrest on our money todate of payment. Total on XX/XX/XXXX. For a refund to us of {$15000.00} YUP .... WELL NOTHING SINCE. I TOLD them today this was FRAUD. I had signed contracts. I have multiple emails. The loan officer spoke to my finincal planner who thought were were mistaken. I gave them until XX/XX/XXXX by XXXX. Them I was hiring an attorney and they would have those bills too. I am a XXXX Sr. Citizen. My husband was laid off last winter. Which is why we did this Reverse Mortgage to BE ABLE TO HAVE NO PAYYMENT. MONEY TO LIVE ON. I suffer from XXXX XXXX XXXX XXXX. The XXXX of this is causing a huge amount of XXXX on me, my husband & my marrige right now. My husband did NOT WANT TO DO THIS BUT WAS GUARANTEED WE WOULD HAVE NO COSTS. He is on me daily. I am at my witts end. Please can you help us get our Settlement costs refund?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2018 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The organization kept on coy tellme that I need to pay them at a certain time when I finance could not this was 4+ years ago

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 09/27/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Other

Complaint: XXXX XXXX I received dispute results from XXXX/Capital One. I initially disputed a late, but Capital One removed the trade line all together, thus damaging my credit scores. After the typical blame game of one another, I was told Capital One incorrectly processed the dispute and would need to send a re assertion letter to each agency. As of yesterday, Capital One has verbally confirmed sending the letter ... still with no written confirmation. XXXX stated it may take up to " 3 Billing Cycles '' for the trade line to be re asserted. A few things concern me here. I seemingly have no recourse and am unsure as to if my scores will rescore and so on. I am unable to access the credit markets at this time which have brought my undue hardship. Essentially my report will have went wrong from time of dispute to potential resolution some 120+ days. Not to mention they never have addressed the actual late I was disputing in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Credit card () with JPMORGAN CHASE & CO. (UT).
Issue: Advertising and marketing

Complaint: I am a long time customer of Chase bank in good standing and have several of their products. I recently applied for XXXX different cards from Chase Bank on separate occasions, XXXX was co branded credit card, XXXX/Chase bank which I had received an ad in the mail inviting me by name to apply for and the other a Chase credit card. My applications were XXXX denied, despite having a decent credit score. After speaking with a representative about why my applications were denied, I am most concerned by a new hard limit that I understand Chase has implemented recently regarding credit applications. It was explained to me by the Chase representative that if I had more than XXXX new credit accounts on my credit report within 24 months, the application is automatically denied and there is nothing they can do to reconsider any application that is denied based on this rule. Also troubling is that this includes even being added as an authorized user on an account. There was no mention of this when I applied for either of these cards. I feel like this is important information necessary for me to be advised of before hand when making new credit decisions. Applying for new credit is always a calculated risk, since there is always a chance of denial. However, knowing that a denial would have been the only possible outcome, I would have been able to make a more informed decision and would not have applied, having no point loss to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Applied a credit card for common use and travel reward through XXXX XXXX  to Barclays bank. Never received card, so complained but still could not get 2-3 months. But I got bill of {$69.00} for no reason just their fees. Call and closed account but balace still remain and kills my credit. After couple of tries, account has been closed but customer service can't help anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The following address is not mine : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Sykes,Bourdon,Ahern & Levy, P.C. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I filed for Chapter XXXX bankruptcy XX/XX/XXXX with XXXX XXXX Attorney : XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX Virginia XXXX, VA XXXX, XXXX : XXXX ). XXXX my creditors, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, VA XXXX ), was included in my bankruptcy. XXXX XXXX Apartment 's representative, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, TX XXXX ) was notified of the bankruptcy filing as well. The Meeting of Creditors was held XX/XX/XXXX XXXX at the Office of the U.S. Trustee ( XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX ). No creditors turned up to the meeting or filed to object to the discharge XX/XX/XXXX so the discharge was granted XX/XX/XXXX. 

XX/XX/XXXX, I noticed that the direct deposit that I received from my employer, XXXX ( also listed under XXXX XXXX XXXX, or XXXX XXXX XXXX XXXX ) was short. When I went to work that same morning, I check my paystub online and saw that I was being garnished. The garnishment was listed under XXXX XXXX XXXX XXXX. I went to the court website XXXX and found that XXXX Apartments, represented by Sykes, Bourdon, Ahern & Levy P.C XXXX ( Address : XXXX XXXX XXXX, XXXX XXXX Virginia XXXX, VA XXXX Phone : XXXX Fax : XXXX ), was granted permission to garnish me. In fact, the website shows that they filed for this on several dates including XX/XX/XXXX ( after the filing date ) and XX/XX/XXXX ( after the date of discharge ). I immediately sent copies of my bankruptcy discharge paperwork to both XXXX and XXXX XXXX XXXX so that the garnishment could be removed. This would be the second time that XXXX parties would be notified by me of the bankruptcy filing. I was not notified by any of these participating parties ( the creditor, the creditor 's representatives, my employer and the payroll company ) that I would be garnished. I am still waiting to receive a copy of the order. 

This unwarranted, undisclosed and illegal action has caused some financial issues to occur. My prescheduled car payment with XXXX XXXX Bank returned. This caused my bank, XXXX, to assess a return check fee in the amount of {$29.00}. XXXX XXXX Bank assessed a late fee in the amount of {$30.00} to my account. In addition to this scheduled payment, I still anticipated the availability of funds for other expenses. This action was completely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I pulled and reviewed my credit report and found that several inquiries were added to my credit report with out my knowledge or consent. I have not purchased a vehicle or tried to obtain any type of credit in the last 3 years. Anything reporting during this time is incorrectly added to my credit report. There is also a bankruptcy added to my credit report falsely.

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 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This   XXXX   XXXX   account was not opened by me and once discovered on my credit report I tried to contact them to advise this account was n't opened by me and I never received any products from them. By the time this account was discovered it was already past due and have negative information reporting to the credit bureaus. I contacted   XXXX   XXXX   to try to resolve this issue and was told since the account was already with a collection agency there was nothing they can do and they provided the third party collection agency number whom I contacted to explain the situation. I advised the collection agency that this account was not opened by me and I have no knowledge of it. I was told to settle the account and they will have it removed from all   XXXX   credit reporting agency 's and report the information back to   XXXX   XXXX   directly. I was skeptical however that 's what I did. However now the account is showing as paid/closed with late payments which is having an negative impact on my credit. I was given incorrect information from   XXXX   XXXX   as well as the third party collection agency. The collection agency never reported anything to   XXXX   XXXX  , not even the payment. The account was recently updated after filing a complaint to " Paid/Closed ''. I have been trying to get this issue resolved for over a year now and any help regarding this matter is greatly appreciated. After realizing that the third party collection agency coerced me into making a payment without really resolving the issue I contacted   XXXX   XXXX   directly and was told I should not have made a payment that I needed to fill out a fraud affidavit form however its too late to do that due to me making a payment to resolve the account. I tried to work with   XXXX   XXXX   to resolve this issue however I have been unsuccessful in doing so. I also requested that   XXXX   XXXX   provide any signed contract documents proving this account was opened by me which I have not received, in doing this   XXXX   XXXX   has violate the FCRA. I have also submitted request to all  XXXX  credit reporting agency 's for verification ( signed documents ) of debt which   XXXX   XXXX   did not provide to  XXXX , Transunion or  XXXX  nor myself ... however its still reporting on all  XXXX  of my credit reports by doing this the credit reporting agency 's have violated the FCRA. I have made several attempts with the credit reporting agency 's and   XXXX   XXXX   to resolve this issue with no resolution from either parties. This is the ONLY negative account reporting on my credit reports and I will peruse this issue until it has been resolved.
<P/>  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 09/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We have tried to get a loan modification for over 2 years and the bank always asks for more documents. We always send everything on time. Now Select portfolio Servicing is saying they will no longer give me any workout options. HOW MUCH LONGER WILL I HAVE TO TRY TO GET A LOAN MODIFICATION? It should not take over 2 YEARS to get a loan modification. This company is not doing anything for my benefit but only for theirs. They placed my home on foreclosure and this is a very big threat to me and my family. I have tried and tried to get a loan modification with them and they will not give me XXXX. They always say, we need this and this and this and once it 's too close to the sale date they say ooops sorry it 's to close we ca n't do anything for you now.I make {$3300.00} every month it 's enough to make payments and quality under the Government HAMP modification program. I have a close friend who recently got a loan modification from XXXX XXXX XXXX ; she has a very similar situation as me. Same size house, same year, and same loan amount and she received a loan modification payment in the amount of {$670.00} a month. Why ca n't I qualify when I receive more money than her? They are violating the " California Homeowner Bill of Rights '' law. 
" CALIFORNIA HOMEOWNER BILL OF RIGHTSThe California Homeowner Bill of Rights became law on XXXX XXXX, 2013 to ensure fair lending and borrowing practices for California homeowners. 
The laws are designed to guarantee basic fairness and transparency for homeowners in the foreclosure process. Key provisions include : see : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with PNC Bank N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: PNC Loan # XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX PNC has never allowed this homeowner to be reviewed for Home Retention Options. 

The homeowners started the short sale process with PNC XX/XX/XXXX - FOUR YEARS AGO. Since the then PNC has inundated the homeowner with multiple requests for the same documents. PNC then allows only a short window of time to return the documents, after which they close out the file, and force the homeowner to start over with completely new and different forms. 

The homeowner has left voicemails for XXXX XXXX ' - her SPOC ( Single Point of Contact ) - at PNC multiple times. XXXX has not once ever returned a phone call. 

We have faxed a Payoff Demand to PNC on XXXX/XXXX/XXXX. We have not received any kind of response whatsoever. We have also faxed a complete short sale package to PNC. They have also not responded to this package. Essentially we have received the same treatment from PNC that the borrower received. 

In fact, the borrower had to get an attorney involved just to get PNC to respond in any way whatsoever. In total, they have worked with a total of XXXX real estate agents, XXXX attorneys, and a professional short sale negotiation company. PNC refuses to respond in any way whatsoever - to anyone. PNC refuses to return phone calls. PNC refuses to provide documents such as a Payoff Demand to the homeowner - this is a violation of their servicing guidelines. 

PNC has never allowed this homeowner to be reviewed for Home Retention Options. 

.... And PNC does n't care.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Bank account or service (Savings account) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: I got a change of address notification in the mail that I did not authorize. It was the same address but a different date that they changed my mothers account without authorization! This account has been closed since XX/XX/2014 however I do have XXXX other accounts with fifth third!

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (WY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XXXX XX/XX/ XX/XX/ Fee TRANSACTION FEE {$370.00} Show details TRANSACTION FEE XX/XX/ XX/XX/ Fee TRANSACTION FEE {$26.00} XX/XX/ XX/XX/ Fee TRANSACTION FEE {$50.00} Chase has charged me Cash Advance fees when all other times XXXX was a regular tranasaction. There was no warning communication or anything to let the consumer know. I will stop using XXXX purchases for Chase credit cards. 

The XXXX XXXX fees comes as a shock as they readily accept it as a regular purchase before.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
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 XXXX XXXX, XXXX I wrote a dispute letter to Experian questioning the accuracy of a XXXX on my credit report. I also attached a letter from the XXXX XXXX as well as a letter from XXXX XXXX. XXXX XXXX I received my credit report stating the XXXX  was verified. XXXX XXXX I sent a letter to Experian asking them to reinvestigate as well as XXXX of XXXX. On XXXX XXXX I received a update credit report stating that the information was accurate. They failed to provided the XXXX of XXXX. 

All documents supporting this matter are attached in order.

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 08/24/2015 about Debt collection (I do not know) with CASHCALL, INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My identity was stolen and accounts were opened as a result this account is reporting on my credit report and with your company is fraudulent and you continue to report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient calls 4-8 times per day starting at exactly XXXX and ending at around XXXX. They have refused to offer an affordable repayment plan and have denied me a forbearance request during a layoff period. A previous forbearance request over a year ago was met with a XXXX " fee '' due at the time of the request.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: forced placed coverage my mortgage company put a {$2000.00} plus coverage .on my mortgage they put maximum amount of coverage i payed to have survey to prove no flood zone so they removed the policy so now i pay around {$200.00} extra until i pay off the {$2000.00} coverage please advise

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Debt collection (Medical) with Dynamic Recovery Solutions, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company is attempting to collect on a FRAUDULENT debt! They have been making unauthorized inquiries on my credit reports. First, IF those debts are actually mine, they are outside of the Statute of Limitation for legality of debts. Also, Dynamic Recovery Services would be able to provide actual PROOF of the legitimacy of the debt. They have DENIED this! Secondly, I DO NOT OWE THE DEBT THEY ARE CLAIMING I OWE! I attempted to call them to inform them that I am aware of the numerous complaints for fraudulent activity against their company, and they were to cease and desist immediately. One of their " representatives '' told me that he was ending the conversation because I was being " unprofessional ''. I was not being unprofessional. I was being TRUTHFUL in telling them that they have been caught in an ILLEGAL LIE! They are attempting to do the same thing to my husband, XXXX XXXX, for approximately the same amounts. These " debts '' are supposedly for " medical services that my husband and I have never received. Also, per the Fair Credit Consumer Act, those " debts '' are to include the actual date of service. However, NOTHING that Dynamic Recovery Solutions has provided, shows that information. Therefore, they are trying to illegally collect on a phantom or fraudulent debt.

Company response to consumer: Closed with non-monetary relief