milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/30/2015 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have an escrow account set up with my mortgage. I re-negotiated my homeowners insurance amount with my insurance company to a lower amount. A new declaration page was sent out showing the change. There was no bill. My mortgage company paid it as a bill. I can understand that mistake, but then two weeks later after paying that bill, a new insurance company sent a much higher bill for payment for XXXX XXXX and that was paid without my authorization! My homeowners insurance was paid up to date until XX/XX/XXXX so neither of those payments should have been sent out! I called them twice and they said they have no safeguard in place to protect our escrow accounts. If a bill comes, they pay it! I did not sign any change forms authorizing a different insurance company to bill my mortgage company. They pretty much said " oh well '' HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EARLY WARNING SERVICES, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen. Several accounts were opened in my name. 

I did not open, use, benefit or access the accounts opened at XXXX  XXXX XXXX or XXXX. 

I called Early Warning Services today and the agent confirmed that Early Warning marked my account as identity theft but did not delete it and until today had not sent me their identity theft kit. I did receive the identity theft kit on XX/XX/2018 My Early Warning Services consumer ID is XXXX I have attached a copy of the police report

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (GA).
Issue: Managing, opening, or closing account

Complaint: Monday XXXX XXXX, 2015 I was emailed from the rush card company stating that the rush card would be down from XXXX until XXXX on Monday XXXX XXXX. I called rush card on the XXXX because I was n't able to access my account only to be informed that they were working around the clock to get the issue resolved. Then I stated that my card says it 's blocked on my application for rush card that I have downloaded to my cell phone. The girl representative stated that the website is uploading and she ca n't access my account. So I called back on the XXXX only to get the same results. I was placed on hold for XXXX hours to speak with a supervisor about the issue only to be hung up on. So I called again on Thursday XXXX XXXX to be placed on hold for another XXXX hours and again hung up on I was told that the systems were still uploading and they could n't get access to my account. So I hung up to call again for my card and then to hear that my card has n't been activated but they ca n't give me any information. I have rent due, cable, car note, utility bill due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed this Account on many occasions with Equifax, XXXX and XXXX  about the Inaccurate reporting and each time it comes back as verified. I have sent an email to XXXX XXXX XXXX regarding this issue and have n't gotten a response back from them. 
Date of first delinquency show XXXX Monthly Reporting history show XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Mortgage (Conventional fixed mortgage) with Paramount GR Holdings, LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: I have a commitment for a mortgage from XXXX. They also owe me {$490.00} for reimbursement of the cost of an appraisal. I have telephoned their mortgage specialist numerous times over the past nearly two months for an update on the status of the loan and reimbursement without a response on their part. It is very frustrating that neither the specialist, XXXX XXXX, or his supervisor, XXXX XXXX, are returning my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I am working on a short sale through HAFA short sale program. The loan servicer has a very inflated value for the subject home. The buyer paid for a full appraisal to dispute the short sale lenders value. The short sale lender is NOT taking the buyers appraisal into consideration due to the status of the comparable - some comps are bank owned or in some form of financial distress / since the subject is a short sale - I feel that these comparable homes are suitable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (NH).
Issue: Managing the loan or lease

Complaint: Auto being financed was repossessed without proper notification. When account settled, I was informed the repossession fee would be put at end of loan, instead it was charged the next month. Contacted them about it, they said it was just their policy and not to worry about it. I did that, but now they added a late fee due to not making full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: XXXX XXXX had XX/XX/XXXX {$65.00} fraud on debit card from malware XX/XX/XXXX Card Purchase XXXX XXXX XXXX IL Card XXXX XXXX XX/XX/XXXX {$38.00} XXXX XXXX both immediately permanently or be sued chase yes or no customer service is the pits

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have contacted Trans Union and XXXX XXXX. I made the request several years ago to Trans Union and all of the past collection agencies claiming that I owed a debt to XXXX. I settled all of my prior debts with XXXX when I received my final bill prior to changing carriers. I 've disputed this for the past three years. 

Starting in late XXXX I began to receive letters claiming I owed this debt. I knew I did n't and waited patiently for Trans Union and the pool of collection agencies to realize that. I request on numerous occasions that I receive a copy of my original last itemized bill from XXXX. Trans Union nor any of the collection agencies honored my request. 

This Derogatory Public Record has cost me years of lower interest rates, possible credit and new job considerations. There should be some form of monetary restitution. Credit Bureaus and Collection Agencies must do a better job of investigating the facts before this irreversible damage is done to consumers. " This is egregious, and worse than, " Identity Theft. ''

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 07/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Arcadia Holdings, LLC (PA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: A debt from XXXX that had been reported by XXXX XXXX collection agency for 7 years was sold to the Arcadia collection agency who now reports it as a new collection account from XXXX to the credit repositories XXXX and XXXX. Arcadia confirmed it was from XXXX verbally, but state the start date is now XXXX when they bought it. This is a re-aging of the account and not in compliance with the Fair Credit Reporting Act. I provided XXXX a copy of an old credit report that showed the same account from XXXX and they refuse to remove it without consent from their paying client Arcadia who plans to report a collection account for 15 years from the date of the collection and 8 years past the 7 year statute of limitation for collection accounts to be reported on a credit report. The debt was from when I was young and I understand they may be allowed to try to collect it, but they are not allowed to at this point break the law by re-aging the account and report the account as new again after it had already been reported on my credit already for over the 7 year limit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONWIDE ACCEPTANCE CORPORATION (ID).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Upon receiving a credit denial letter from  Nationwide Northwest LLC I was concerned since I had not applied for credit and I checked my credit monitoring service to find I had an inquiry with this company which was labeled for  " auto loan ''. I did not ask for an auto loan or give this company authorization to pull and check my consumer credit report. I found that someone had used my personal information on the internet to apply for loans online. Upon notifying this company in writing with a certified letter which was received by their company on  XXXX . They responded to my letter stating that they received an electronic application from  XXXX   XXXX , and despite me not applying for credit with this company, and  Nationwide Northwest LLC not providing any evidence or documentation that I did in  fact provide authorization to have my consumer report pulled they are refusing to remove the inquiry.     I have sent a second letter and demand in hopes they will honor the rights and protections afforded to the public under the Fair Credit Reporting Act as well as the  Federal Laws.  I have asked that this unauthorized inquiry be removed immediately.

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 01/28/2018 about Debt collection (Other debt) with First National Collection Bureau, Inc. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I am not aware of this XXXX XXXX XXXX XXXX  XXXX , XXXX. balance. I have never seen anything dealing with this lender. Also, I have been threated that in 30 days they will seek to make a judgement on debt that does not belong to me. I understand that they are looking to offer me a settlement. However, I do not believe the validity of such debt accusation. Furthermore, I will not be limited to the action of court threats when I did not receive any notice of debt based on communication. The amount is {$880.00} from XXXX which was acquired by XXXX XXXX XXXX in 2006. I do not claim debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2018 about Debt collection (Other debt) with FINEX Group LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Found this collection item on my credit report. Signed over the vehicle to XXXX XXXX XXXX. Collection item is outside of California Staute of Limitations.

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 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My information has been breached by the XXXX breach, Target information breach and I have a history of Identity Theft. Multiple inquiries on my report have no permissible purpose and don't look familiar at all. Most of the inquiries listed I have never done business with these companies nor applied for credit through these companies. I have contacted creditors of Inquiries on my credit report and they all say to go to the credit bureau. I have contacted TransUnion via Certified Mail on XX/XX/2017 and got no response back. A representative of TransUnion signed off and picked up the Certified Mail on this date. I have attached proof of this certified mailing. I have also attached the police report and FTC Identity Theft report that shows I reported multiple inquiries showing on my credit history I didn't authorize.

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 02/20/2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I am being bullied and forced into foreclosure or bankruptcy by Chase.I qualify to assume my deceased mothers mortgage which I have paid on time since XXXX, but they will not modify the loan, even though I have been accepted into Chase Banks Assumption and Modification program. 
I need to use XXXX in equity out of the XXXX in equity existing in the property and extend the repayment. Without this modification its going to force me to bankruptcy or foreclosure even though as I said, I have the ability to repay my debts if they would modify the loan. 
Since XXXX I don't qualify for a mortgage anymore even though I am current, have a XXXX credit score and pay {$970.00} per month currently under my deceased moms name. That payment is based on XXXX, financed in her name in XXXX. 
Now I owe XXXX on a house worth as high as XXXX per their own value assessment. In reality its worth XXXX, that's XXXX in equity. I want to use XXXX XXXX of my own equity, add it to the XXXX owed, and make payments on XXXX for 30 years at 4 %, which is XXXX XXXX  monthly, plus my taxes etc. of XXXX XXXX  monthly, or {$970.00} per month, all creditors paid off, still their customer, raise my XXXXredit score and remove {$750.00} of MINIMUM payments per month now, the thing forcing me into bankruptcy/foreclosure. I can't afford the mortgage payment AND the minimum card payments, why can't I use my own equity to solve this problem and avoid bankruptcy! Its win win for XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit card () with DISCOVER BANK (IL).
Issue: Billing disputes

Complaint: Discover Card Services : Being on a card assistance program that has not delivered on its promise since XX/XX/2016. Been reported late with the credit agencies, when I could be as was discussed back in XXXX and being charge late fees also that should not be there, all my progress in paying my debt was reversed and charge back to me. Any help, thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Bank of America Credit Card. Charge off date of XX/XX/XXXX. XXXX from Bank of America to claim absolved debt as income for XXXX taxes. Form from Bank of America was created XX/XX/XXXX. Currently claiming a limit on account of {$13000.00} and a balance of {$15000.00} on XX/XX/XXXX. Have filed disputes 2 separate times through XXXX XXXX and gotten no resolution.

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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: MY ACCOUNT WAS LINKED BY  XXXX  WITH  XXXX   XXXX  WHEN I OPENED AN ONLINE ACCESS TO REPAY MY LOAN. BUT WHEN I ENTERED TO THE SITE OF  XXXX   XXXX  TO CHECK THE PAGES WAS OUT OF SERVICE. I HAVE NO KNOWLEDGE OF ANY LOAN WITH  XXXX   XXXX  OR THE AMOUNT THAT APPEARS THERE. I HAVE ONLY A LOAN CONSOLIDATED WITH  XXXX  AND ALSO DOES NOT RECOGNIZE IT BY THE DAY IT WAS OPENED BECAUSE I WAS N'T ATTENDING COLLEGE AT THAT TIME. PLEASE REMOVE MY LIABILITY TO THIS ACCOUNT. IS AFFECTING MY  CREDIT SCORE A LSO IT SAYS THAT IS CLOSE AND IS INCREASING  XXXX  DOLLARS EVERY MONTH.

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 08-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Issued a wage garnishment on a debt that is over 6 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have used AnnualCreditReport.com with no issues for years. The last XXXX times I 've tried to use the service it has failed starting in XXXX of 2015. This time when I tried to get my report from Experian, after entering all my information it immediately goes to a page that says, " We were unable to honor your request. If you entered your credit card information, we did not charge you. '' Then it proceeds to tell how to get a credit report, how long it will take and how much it will cost. It also requires a copy of a government issued photo ID and a recent utility bill or like document. 

This is totally unacceptable. I did a quick internet search and have found similar complaints from many others. it appears the credit reporting agencies are not holding up their agreement to provide a free credit report annually to those who request it. I am asking you to contact them and require them to correct this error immediately. 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 any public record data must include Name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports with XXXX, XXXX, and Experian. The Bankruptcy identification number is : XXXX XXXX Bankruptcy Court XXXX, Georgia 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 11/16/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is reporting XXXX hard inquiries on my credit profile which I never authorized : I have called and requested for fraud alerts and requested them to remove the inquiries so many times and every time they would say they are not authorized to remove any inquiries. Those inquiries are hurting my credit score badly. Most importantly I never authorized them. I requested Experian to request for signed documents as the evidence of my authorization from those companies but did not have any luck. I badly need help in removing those unauthorized inquiries from my Experian report.

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 02/24/2017 about Bank account or service (Checking account) with PNC Bank N.A. (IL).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX 2017 I check my account around XXXX, I then got something at XXXX XXXX the next day which was the XXXX I recieved my account with a over draft fee taken out of my direct deposit. I called PNC Bank they said I had a pending charge which was on the XXXX I told them no because my balance inquiry indicated something different on the XXXX and my account was not over drawn as I have proof they basically told me that that did n't matter that my receipt that I got for the balance inquiry was wrong so my question to them is why have ATM if I ca n't get the exact balance. Any other time that I have a pending charge they take the money right out of my account or if I do n't have enough money in the account account is overdrawn it is not left with money in there for me to make another transaction and that is my problem with them. So with PNC my issue is that there ATM does not give accurate balance information and I argued with them and talked with supervisor and they still do n't understand that all transactions need to be reflected in the bank account and to this day I still do n't see that transaction it 's possibly came in on the XXXX of XXXX so I have included a copy screenshot of my account of the transaction in question.

Company response to consumer: Closed with explanation