milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/18/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I purchased a home in XXXX of XXXX. We put 5 % down so we had to get Mortgage Insurance. This XXXX XXXX I was able to pay the principal down to 80 % of the purchase price. I called to get the PMI removed. I was told by a Chase representative that I would have to pay for an appraisal ( approx {$450.00} ) to get it removed. She also said that if I paid it down to 78 % it would be automatically removed by the computer. I did that and paid it down to under 78 % loan to value on XXXX XXXX. I called back and they concurred that I had paid down the principle to under 78 % but a different representative said I would still need an appraisal to prove the property had n't dropped in value. However according to the law all PMI should be removed once 78 % of the original purchase price is reached. I spoke to my mortgage broker who obtained me the loan through Chase and he said that they are breaking the law. I have since been charged XXXX additional payments of {$170.00} for my mortgage insurance since I have paid it down to 78 %. I want Chase to refund these payments to me and take off the PMI on my property. I have recently applied for HELOC and I have obtained a copy of the appraisal done by XXXX. I have attached that as well. It shows my property appraising at {$40000.00} more than the original purchase price in XXXX. This is ridiculous that they are holding me hostage on this PMI and still charging me for it.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Debt collection (Auto) with HYUNDAI CAPITAL AMERICA (FL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I have submitted XXXX complaints to the FTC regarding Hyundai motor Finance calling my job, after being told I can not receive personal calls. Now, I am going through repossession, and they have given my work number to XXXX XXXX XXXX, after they stated in writing that they were deleting my work number from their system.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Debt collection (Medical) with Oliver Adjustment Co. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: OAC is contacting me about a fraudulent account that I have told them was fraud, they are now reporting the info to my XXXX report that is a result of id theft in violation of FCRA Section 605b.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08-10-2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Deposits and withdrawals

Complaint: I went to XXXX to get money orders and without my knowledge US Bank puts a {$300.00}. limit so I can not use it. 
I run to the branch and get a cashier 's check. I am not informed of the different rules. 
My cashier 's check is lost and they refuse to stop it. 
I WOULD NOT HAVE DONE CASHIER 'S CHECK AND THEY GET {$7.00}. TOO BUT THE CASHIER 'S CHECK IS MUCH MORE. ALSO US BANK PLACED A LIMIT THAT I DID NOT AUTHORIZE OR WAS INFORMED OF.

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 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am victim of identity thief and have a police report due to the fraudulent activity on my report..there is a account being reported on my TransUnion report by XXXX XXXX XXXX that is not mine..This account was closed but is now being reported as open as of 2 days ago..I have tried repeatedly to get this account removed by XXXX XXXX XXXX to no avail..

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 06/14/2016 about Debt collection (Payday loan) with Premier Portfolio Group (IN).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: They are saying they are collecting a debt for a payday loan. When I ask for a validation of the debt they say they have sent it, but I have not recieved nything from them. Also I have told them it was included in my bankruptcy in 2013 and I have told them to contact my lawyer and to quite calling me. They calling me several times a day.

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 10-09-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (IN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: The company has failed to validate this collection for XXXX XXXX. The company threatened to take me to court to obtain another settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Billing statement

Complaint: My CapitalOne credit card says " XXXX day billing cycle '' when it is really only XXXX days. My billing cycle has always been XXXX days after XXXX of service. My end date for XX/XX/XXXX was on the XX/XX/XXXX, my next bill cycle should be through the XX/XX/XXXX but instead my bill is due on the XX/XX/XXXX. I called to explain that they have their dates incorrect but the woman ( was speaking to someone outside the XXXX ) kept talking in circles never admitting that my account is now being billed incorrectly. My APR is very high so it 's important that they stick to the consumer agreement of a " XXXX day billing cycle ''. Since this is a big bank and impossible to fight, I got nowhere with the call. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (I do not know) with ASTA FUNDING INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On or around XXXX I discovered than XXXX XXXX Bank has the wrong date on file for my bankruptcy. The account is closed but my dates were not properly updated with the records they have it reported as being charged off XXXX of XXXX when it should be XXXX XXXX almost 10 ago and not 5 years ago. The XXXX XXXX account was the whole bankruptcy case. There is a serious and obvious error please delete this account from my report it is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Debt collection (Other debt) with Pro Com Services of Illinois, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Upon reviewing my credit report from the reporting agencies, I found an account from Pro Com with the original creditor being XXXX 's. I 've never purchased anything from XXXX 's. This account is negatively affecting my credit, and it 's an account that is not mine.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Mortgage (FHA mortgage) with U.S. BANCORP (MO).
Issue: Loan modification,collection,foreclosure

Complaint: Us Bank Mortgage Company gave me a Modification XX/XX/XXXX, My mortgage payment was {$900.00} and {$920.00}, XX/XX/XXXX my mortgage went up to {$1000.00} I fell behind in my mortgage payment and asked US bank for a Mortgage or repayment because I am only 4 months behind. Well after months of waiting I called Us Bank this morning and spoke with Loss Mitigation department, I was told I was denied for both repayment and Modification, I was well aware I did not qualify for Modification, I just ask for a repayment and was denied that also, the person I spoke with she my income was so low and I asked her what did they have on file, the amount they have on file was incorrect and they never asked me to verify if the amount they had in place was correct or not. I have been dealing with US Bank for XXXX now and I am sure they have records showing my income to more than what was on my file. Please look into this for me I truly do n't believe Us Bank Home Mortgage even have the title to my home.

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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of identity theft. While overseas my identity was stolen and several accounts were opened in my name. Upon checking my credit I found several inquiries that were not authorized by me. 

The inquires from Capital One were on : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Family Credit Management (MN).
Issue: Problem with customer service

Complaint: I contact Family Credit Management 2 years ago to help consolidate my debt. Since then nothing seems to be improving. My debt is going down but at same time they fail to inform me of changes that are being made. Examples are late payments and missed payments. I pay them two times a month and I trust them to deliver the funds to the correct account. I feel that by going through them to repair my credit is it has gotten far worse. While I had debt it was manageable and steady decrease and credit score was decent. Now I barely have any open credit accounts and its hard to open new credit lines to build credit. The amount paid twice a month are XXXX dollars. During the past few months the amount has suppose to be increased to XXXX to meet the demands of the creditors and they failed to mention this to me as I noticed missed payments and late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Mortgage (FHA mortgage) with U.S. BANCORP (IL).
Issue: Struggling to pay mortgage

Complaint: My company has been working on this file since XXXX of this year. We have had to get in contact with HUD ourselves due to the ridiculous behavior of US Bank in attempting to delay this short sale. Originally, the property was overvalued and US Bank refused to acknowledge this even when the FHA Buyer had an appraisal with a much lower value. After getting in contact with HUD, we were finally able for a 3rd appraisal to be done on the property and the Foreclosure sale postponed and put on a hold. 

In addition, we requested a new CRM and Negotiator in hopes that they would move the file quicker. During the short sale process, XXXX XXXX has retired from her job due to pay cuts in Illinois. If she had not retired, she would be unable to collect pension for the many years she worked for the state. The pension takes up to six months to go through so she currently has no income. 

Our buyer has come up to {$80000.00} to exceed the 88 % net required by HUD. Since the value is at {$79000.00}, this puts us {$51.00} over the net. However, I received a message after hours on XX/XX/XXXX which was not seen until the morning of XX/XX/XXXX, that the file was declined by FHA. XXXX XXXX eventually returned my call and let me know that this file was declined because the Seller moved in with her husband 37 miles away. However, I am aware that a relocation of over 30 miles is an acceptable hardship for the FHA and US Bank. The reasoning why this file was denied with relocation as the original hardship and the new hardship of the Seller out of work is unfounded. 

It seems to me, that US Bank is wanting to foreclose on this property instead of trying to work with our client to settle the debt. They have done nothing but prolong the process and make every step along the way more difficult than it should be. I have reached out to my representatives at HUD multiple times with no response. I have also submitted a complaint to US Bank 's RMD Consumer Advocacy Center with no response.

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 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
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: Tried to apply for credit and was turned down. That's how I found that there was a 2nd Bankruptcy reporting under my ss #. I requested with all 3 major credit reporting agencies by letter on XX/XX/XXXX to remove this incorrect information also providing proof of the error. As of today I haven't heard from XXXX XXXX, XXXX or Experian. However XXXX received the same request as proof of their company error and sent a letter stating they did an investigation and found it to be correct. As you will see from all the paper work attached that I provided clearly states that it is not his bankruptcy. I called and spoke with rep from XXXX who really could have cared less on XX/XX/XXXX and as of today still haven't heard back.

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 05/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Transworld Systems Inc keeps sending letters and calling saying I owe XXXX. This was paid back in XXXX and I paid XXXX. The keep calling and harrassing me even though I no longer owe anything. The letters they send out has a number that is disconnected and when they call me and ask for a manager they refuse to let me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian continues to report information on my credit report that does not belong to me. My report number is XXXX. 

The bankruptcy filings listed are not mine. I will need proof that it does not belong to someone with a same/similar name or the signed papers since I am not a party to this. 
I am asking for the method of verification under FCRA Section 611 ( a ) ( 7 ). The federal Fair Credit Reporting Act states that I may request a description of how XXXX verified the information, including the business name and address contacted and the telephone number if reasonably available. 

Additionally, XXXX XXXX XXXX is reporting a trade line on an account number that is not mine. I contacted XXXX and the information they furnished does not match what is being reported on my credit profile. 
I intend to sue for willful non-compliance under FCRA 616 if this dispute is not researched and the requested documentation furnished. 
I am requesting that these XXXX entries be investigated and removed.

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 07-01-2016 about Debt collection (Medical) with Phoenix Financial Services LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was from a Workman Comp Injury. This agency keeps putting this on my credit reports damaging my credit. The validation letter they sent CLEARLY states insurancer XXXX XXXX ) Workman Compensation.This has been settled and signed by a judge. Any and all medical debt is the debt of the DEFENDANT. I have attached a copy of the collection and a part of the settlement that clearly states who the debt would belong too.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax keeps telling me this is " verified ''. It is a judgment that never went into court and never happened. The judgment, as per Equifax is " pending '' and is dated XX/XX/2009. Case # XXXX. I have been in touch with the clerk of the court. IT DOES NOT EXIST!! This is reporting illegally and causing me financial harm!!

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with SYNCHRONY FINANCIAL (NY).
Issue: Unauthorized transactions or other transaction problem

Complaint: I never used this account. There should never have been any balance

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 09/16/2016 about Credit card () with Conn's, Inc. (TX).
Issue: Unsolicited issuance of credit card

Complaint: I went to Conn 's located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX TX XXXX to purchase a refrigerator with a credit application I applied for in XXXX. I told the sales associate XXXX I had a credit application that was approved with the ( {$9000.00} ). He said he would pull it up. He asked for my phone number and was able to pull up my address. He said he would need my driver license and asked for my SSN and how many kids I had. When I asked him why he was asking all these questions he said the computer was asking him to provide it. When he finished he told me I was approved for a store credit card for {$3000.00}. I told him I never gave him permission to apply for another card and he apologized. I left the store without purchasing anything due to the deceptive practice. I asked to speak to a manager later when I called and was told he was on vacation when I asked for the assistance manager he refused to give me his name and the store number. He told me to to call the corporate office. I took a picture of the guy who other employees told me was the assistance manager and he was covering his name on his shirt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed a claim against XXXX XXXX XXXX , XXXX for their blatant violations and fraudulent claims of debt owed. I have supporting documentation to support my disputes ; however, they refuse to remove the accounts from my credit report on ( XXXX ) of the the ( XXXX ) credit reporting agencies. I have retained legal representation and will continue to fight this injustice of commercial business practices. Being charged XXXX {$4000.00} from an apartment complex who has transitioned ownership three times in the last 24 months and told that there are no " written records '' of my decision to vacate upon lease expiration is madness ... how long can commercial muti-family management companies be allowed to do this??

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 03-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX " XXXX '' conducted two back to back hard credit inquiries on my XXXX  credit reporting account. On that same day, they also submitted a hard credit inquiry on my TransUnion account. I believe this is all connected to an inquiry for service with XXXX ( XXXX XXXX of XXXX XXXX, KS ) on XX/XX/XXXX, XXXX Who also conducted a hard inquiry on my TransUnion account on the XX/XX/XXXX. At the time of inquiry, I learned that XXXX was not servicing my area - so I don't know why I now have four hard credit inquiries across two credit reporting agencies for service that was never provided or even possible to provide. I'd like for them to be removed, as they are adversely impacting my credit scores.

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 05-10-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company reported that I have a collection from  XXXX  balance of  XXXX  from  XXXX / XXXX /  XXXX  .   The last time I had a phone bill with  XXXX  was 9 years ago! The last balance I had with  XXXX  was paid in full and the termination fee was to be deleted as the result of a dispute with the company 9 years ago.   This debt is not valid. Please help!

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 06-12-2016 about Consumer Loan (Installment loan) with LENDING CLUB CORP (LA).
Issue: Taking out the loan or lease

Complaint: I was extended credit from The Lending Club through XXXX XXXX without my knowledge. The Dentist was performing procedures that we could not afford and I would never have approved had I known or been asked. He was performing these procedures on my wife without prior consultation to inform her what he was doing or how much it would cost.

Company response to consumer: Closed with non-monetary relief