milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/26/2016 about Mortgage (Other mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: PennyMac is Dual Tracking. Client is in review for a loan modification and a 30day condition letter was sent on XXXX by underwriter XXXX XXXX in the Texas office. Sale date is XXXX. Deadline for docs to be sent in per the letter Pennymac sent is XXXX. 
How can they foreclosure if the file is in review for modification? 
They are dual tracking. 
They are also discrimination based on language, ethnicity, race, marital status. 
We will take legal action if the sale date is not postponed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Debt collection (I do not know) with Bonded Business Services, Ltd. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I'm so confused and I need help. This is approximatly my 10th attempt to get this unvalidated debt off of my credit report. Bonded Business of Colorado is illegally listing {$2000.00} as a collection. I've disputed with them more times than I can remember, and they can only provide lease agreement. That is NOT a valid form of validation for {$2000.00} debt. My signature stating that I lived in that same apartment complex TWICE in 3 years between a 12 month combat XXXX does NOT constitute a validation of these erroneous charges. I've attempted to speak professionaly with them and they hung up in my face three times, and my wife twice within a matter of one minute. They will not communicate with me, they will not validate my debt according to the fair credit reporting act, and the debt isn't listed with the company. The debt is " supposedly '' passed over to XXXX XXXX. I then called " XXXX ''. They stated that they have no idea what debt I'm referring to and then recommended me to call Bonded Business, who told me to call XXXX  who told us to call bonded. They gave us the run around! We called Bonded Business, and they hung up after saying " pay me ''. This company is the single most unprofessional business I have ever seen. The rep sounded as if she was inebriated and basically ignored my questions while reading script. The bottom line is Bonded Business bought a bad debt from the XXXX XXXX XXXX XXXX for {$1400.00}, the XXXX hasn't even validated nor responded to my initial dispute from XX/XX/XXXX 2017. As you can see, they won't respond to the XXXX XXXX XXXX  of Colorado either. I need this corrected as Bonded admittedly stated that the initial debt letter was sent to XXXX Wyoming. I have never been associated with Wyoming in any way. The company has obviously made a mistake in identity and now refuse to remove from my report. They are not legally licensed or permitted to collect in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Hello my mortgage was transferred from XXXX XXXX to this company called SLS Specialized Loan Services llc XX/XX/2015. before my loan was transferred I had a monthly payment with XXXX XXXX for {$580.00} per month including taxes and insurance, never missing a month payment. XX/XX/2015 XXXX XXXX increased my payment to {$630.00} claiming the insurance had gone up. After my loan was transferred in XXXX 2015, my first three months were the same at {$630.00} then my XX/XX/XXXX statement came with a new monthly payment of $ XXXX/per month. I then called this new company SLS and was told there is an escrow shortage, this company SLS increased my monthly payment again it then went from XXXX to XXXX plus an additional amount of {$270.00} per month. This amount is not adding up unless iam paying double and triple for escrow. Iam asking for this to be resolved please.

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 12/30/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Other transaction problem

Complaint: XX/XX/XXXX I opened a XXXX XXXX credit card account with XXXX XXXX, the credit limit is {$2500.00}. onXX/XX/XXXX. Once I was approved I asked the bank to do a balance transfer to another Credit card, which is with XXXX XXXX. I received an e-mail on XX/XX/XXXX from HSBC informing me that the transfer took place and XXXX should receive the funds within 7 -10 business days.After not seeing the credit to the credit card fromto XXXX. I decided to follow up with HSBC on XX/XX/XXXX. 

I was told by the agent I spoke with that the funds was transmitted to another account and not the one I provided to them and they will investigate and get back with me. I kept calling and was told a copy of the check will be express to me and I can follow up with XXXX. As of date I have not received any correspondence from HSBC only promises.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Bank account or service (Savings account) with FIFTH THIRD FINANCIAL CORPORATION (CA).
Issue: Account opening, closing, or management

Complaint: I enrolled in an HSA account with Fifth Third Bank with a previous employer and left that company with a balance on the account. The bank will not allow me to withdraw funds without paying a service fee to do so and have slowly been bleeding the account dry by applying monthly service charges on it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several inquiries on my credit report that I did not authorize. I have reached out to the credit bureaus and companies and no one will remove them.      XXXX    XXXX   XXXX    XXXX   XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX   XXXX / XXXX / XXXX ,  XXXX ,  XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX    XXXX    XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX  The company said the inquiries were verified which can not correct as I did not apply at any of the companies.

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 08/20/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Application processing delay

Complaint: someone applied for a stein mart credit card under my name the bank found out that it was not me and then when ever I tried applying for one I was declined because thatfraud application that was made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2016 about Debt collection (Medical) with North American Credit Services (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Placed {$350.00} Medical debt on my credit report unwilling to send me any more correspondence even though I never received any in the first place. Spoke with ladies named XXXX unwilling to except Payment arrangments.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Since the inception of my loan XX/XX/XXXX with XXXX and XXXX XXXX I have never had an Escrow account and I have always paid my homeowners insurance and property taxes. 
Just to give a little background ; I had a mortgage with XXXX since XX/XX/XXXX, effective XX/XX/XXXX the mortgage was serviced by XXXX XXXX XXXX XXXX, with no issues with the transitioning of the loan, my monthly payments of {$380.00} was due on or before the XXXX of the month without receiving additional service charges. During XX/XX/XXXX, I was informed that Seterus will be servicing my mortgage loan starting in XX/XX/XXXX. Unfortunately, since Seterus has taken over the loan, the transition has been a nightmare for me. The proper documentation ( statement of account with loan account details ) was never received. The Notice of Servicing Transfer and Welcome letter was not received, hence I was not given the proper information as to where to send my monthly mortgage payments of {$380.00}. 
Prior to XXXX XXXX, XXXX, I did not receive a statement from Seterus stating the amount of the loan or the transfer amount for verification purposes. Since the first notification nothing was ever received from Seterus. On XXXX XXXX, XXXX, I received a call from a Seterus representative stating that I was delinquent. I informed the representative ( XXXX ) that I was not made aware of where to send my payments, or the transfer loan amount. I further stated that I have the funds in my checking account, and the funds were transfer on XXXX XXXX, XXXX, in the amount of {$770.00} to Seterus, which represented XX/XX/XXXX and XX/XX/XXXX mortgage payment. I was charge late fees from Seterus, not due to my error but theirs for not sending out the proper documentation for me to pay my mortgage ( on recorded line, a representative stated that I was not mailed out any letters ). 
On XXXX XXXX, XXXX I received a Escrow Account Statement for my loan, which stated that I will be paying {$660.00}, I contacted Seterus and made them aware verbally that I am responsible for my property taxes and insurance. I was informed to send fax a letter stating those facts. I did on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX, the representative further stated for me to continue to make my monthly payments of {$380.00}. I have made my monthly mortgage payments of {$380.00} and Seterus is not apply my payments and has put me in default. My credit report has been hindered, Seterus is stating that I am 31 days past due, I have spent hours on the phone with their representative stating that they are going to apply the fund properly. I have be threaten with foreclosure. Seterus needs to be evaluated with their business practices. I have lived in my house for 15 years and had no issues until Seterus has taken over my loan servicing mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Will not update my report correctly

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 06/18/2015 about Debt collection (Medical) with Frost-Arnett Company (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Receiving calls and letter in reference to previous bill which was paid some dating back to 2004, some years prior to the death of my husband. Many related to agency collection fees for bills which were paid to the hospital/doctor directly. Many others show no balance due. Have repeatedly told this agency they were in errors and after seeking documentation their own evidence shows they are in error. 

Remove all records and notations on my credit report with the Credit Reporting Services

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: The agents I spoke from equifax were not helpful at all. I received my credit report by mail and most of the inquiries were from companies I 've never contacted or tried to open any accounts with. I never used my social security number or any of my information with them. These companies that show on my credit report are : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX services. I have never contacted or been involved or have gave any authorization to them with my information to run my credit or open accounts with these companies. Equifax agent told me to call these companies and tell them to get me removed from my credit report. I called each one of these companies and they all said I have no open accounts with them and they have n't ran my credit or anything with my social security number or name so there is no way they can remove inquiries when there is no open accounts under my information. These companies told me to contact equifax again and let them know that they have never ran my credit or have any accounts open. So I did called equifax and they told me that it does show that these companies ran my credit. At this point i do n't know what to do. I spoked to XXXX agents from equifax and they were n't helpful at all. This is very stressful. And I need someone to help me and get these inquiries removed from my credit report. If these companies and equifax ca n't remove the inquiries who can?. It is frustrating because I never got involved or contacted any of these companies to even be on my credit report. The reason why I wanted my credit report was because I was barely going to start with my credit. Thinking I was going to be accepted because I 've never have had any credit anywhere with no one. I wanted to start my credit at XXXX. I was n't accepted for credit. the reason why was either I 've had a delinquent past or open /active accounts that Have n't been paid. I have never had any accounts with any companies, or have gotten any loans from no XXXX in my 24 years of life and definitely no delinquent past. When I saw the inQuiries from these companies I was shocked because I 've never had anything to do with them. I thought I was a victim of identity theft or maybe I am. I 'm thinking maybe someone is using my identity, using my information, opening accounts with my information. Messing up my credit. But where can I find out? Who do I go to or call? Equifax was n't helpful. It is frustrating. I need someone to help me clear this out.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: my wallet was stolen XXXX and now I think thieves are opening accounts with my information because I am having trouble check my credit report. please help

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Medical debt) with COLLECTION SERVICES OF ATHENS, INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Numerous old collection accounts on my credit reports.

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 02/19/2018 about Debt collection (I do not know) with Nationwide Credit & Collection, Inc. (IL).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: For the past few months I have been getting phone calls stating " This is Nationwide Credit and Collections. '' I have excellent credit and have zero debt. When I google the number, sure enough I see reviews upon reviews that this is a scam! Please help me stop them before an innocent falls for it! 

The phone number that keeps calling me is XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Consumer Loan (Vehicle loan) with FIFTH THIRD FINANCIAL CORPORATION (NJ).
Issue: Managing the loan or lease

Complaint: I have an auto loan through fifth third bank. they stated that they sent me 3 to 4 letters requesting my insurance information which I received none .. although they have my phone number listed on file I received no phone calls from them. 
They took an extra {$410.00} out of my bank unauthorized on top of my normal {$450.00} car payment as a punishment of not giving them my insurance information in XXXX. I immediately notified my insurance company to provide them with my current insurance and to show that NO lapse in coverage has ever been with regards to my vehicle. I was told by fifth third bank that it would take 3 to 4 weeks to refund my money to this day I still have not received a refund of the {$410.00} after providing The requested documentation .... fifth third bank then took out an extra {$410.00} on top of my normal {$450.00} payment in XXXX even though they received my insurance information this transaction overdrew my account charging me overdraft fees through my bank. fifth third bank now owes me {$820.00} and I have not received any of it back and I 'm being told I have to wait for their process when I live paycheck to paycheck for like 80 % of the population. and they really do n't care and they are in no rush to give me my money back when they had no right to take it out to begin with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I am an authorized user on a XXXX XXXX XXXX XXXX XXXX, the account information only shows on my XXXX credit profile. The Primary account holder, did contact XXXX 's regarding the issue and XXXX XXXX claimed it was reported every month to all 3 credit reporting agencies, we spent hours with XXXX XXXX and XXXX   on the phone trying to solve the problem, nothing has been done.

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 10-05-2016 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have repeatedly disputed account information with Equifax and they have never shown me any verifying information to confirm account status. Online collections account is reporting negatively on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NJ).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have Barclays XXXX Visa card. I was late on one payment. They without warning cancelled and closed my account. They then informed my interest rate would be 21.24 %. They informed me the only way I would qualify for a lower payment is if I had a hardship and failed to make payments. I explained to them I had a significant hardship, but I am now current on my payments. They stated the account would have to be in collection in order to get a lower interest rate. I explained to them that made no sense that because I am current on my payments now they can not restore my credit or lower my rate. The representative even agreed the system made no sense, but she was bound by the banks rules and they can not make exceptions for one particular person.

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 03/17/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax re-inserted accounts on my credit that do not belong to me without proper verification. I requested that Equifax verify the " method of verification '' under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The credit reporting agency must give you the method of verification information within 15 days of your request. Equifax have not done so. These are the accounts that do not belong to me : XXXX, XXXX, XXXX XXXX, XXXX, and XXXX 2007 account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Credit card () with PAYPAL HOLDINGS INC. (CO).
Issue: Credit card protection / Debt protection

Complaint: My XXXX child managed to receive PayPal credit exceeding {$800.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/31/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have settle the amount with the lawyer representing the  XXXX   XXXX   XXXX . I had paid a certified check and it was cashed on the  XXXX  of  XXXX  for the agreed amount.  XXXX   XXXX   XXXX  also reported the balance was still owed and that 's incorrec t. Case No   XXXX  in the  XXXX  Ohio Court. This was a  Home Depot original Citibank, NA

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 05/27/2016 about Debt collection (Medical) with Capital Accounts, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I found an account that I did n't recognize on my credit report. I have sent multiple letters to capital accounts asking for validation of this debt over the past 7 months. The last letter I sent to capital accounts was on XXXX XXXX, 2016. This letter was sent pursuant of the Section 623 of the Fair Credit Reporting Act. Section 623 of the Fair Credit Reporting Act allows me to dispute information directly with the furnisher of the information. Capital Accounts has failed to respond in a timely manner. I assume that capital accounts has no documentation of this account. I believe this account to be a fraudulent account and capital accounts refuses to respond to any of my letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2016 I called my mortgage service provider ( Caliber Home Loans ) to inquire about the removal of PMI from my home loan. I was told by the Caliber rep that it could not be removed until 2 years of mortgage payments were made on this existing loan even though my current Loan to Value was less than 80 % of the current home value. After stating to the rep that I thought that this PMI removal requirement was weird, she agreed to send me me out the PMI removal package immediately. After 1 week of waiting, I call back Caliber to determine where my PMI package was at this point. I was told by this other Caliber rep today ( XXXX ) that this PMI removal package would not be mailed out to me until mid-XX/XX/XXXX due to the current overwhelming demand of this same request from other homeowners. At that point in time, I told the rep that I would file a complaint with the CFPB.

Company response to consumer: Closed with explanation