milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/18/2018 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (PA).
Issue: Trouble during payment process

Complaint: Started to work on my taxes today ( XX/XX/XXXX ), and noticed that PNC Mortgage hadn't added my hazard insurance payment of {$510.00} on my escrow account. Attached is a receipt showing that it was paid on XX/XX/XXXX ; for the period of XX/XX/XXXX thru XX/XX/XXXX. INSURANCE WAS COVERED SO WHY ISN'T IT SHOWING UP ON MY ESCROW ACCOUNT FROM PNC MORTGAGE???? 

My account was transferred to XXXX or XXXX XXXX on XX/XX/XXXX, this shows that PNC Mortgage was responsible for paying my hazard insurance for XX/XX/XXXX. XXXX or XXXX XXXX didn't pay anything towards my insurance until XX/XX/XXXX for XX/XX/XXXX ( XX/XX/XXXX thru XX/XX/XXXX ). 

I have attached on the necessary paper work for your review. This is exactly the same thing that PNC Mortgage did when they withheld my monies for repairing my home for over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Your VerificationNow we just need to make sure that you are really you. These questions are based on information in your file, and only you should know the answers to them. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Your credit file indicates you may have a mortgage loan, opened in or around XXXX XXXX Who is the credit provider for this account? 
HOUSEHOLD FINANCEJPMORGAN XXXX MORTGAGE XXXX XXXX XXXX XXXX XXXX OF THE ABOVEWhat is the total monthly payment for the above-referenced account? 
{$1100.00} - {$1200.00} {$1200.00} - {$1300.00} {$1300.00} - {$1400.00} {$1400.00} - $ XXXX OF THE XXXX was an Equifax questioannre that I may have a mortgage loan opened around XXXX XX/XX/2013, I do not recall taking a loan by any means around this time

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (IL).
Issue: Problems when you are unable to pay

Complaint: The vehicle was surrendered as agreed upon by santander and myself. They are reporting it as a repossession. They have refused to correct this and have stated that they do not need too even though it was on a recorded line. I have asked them to change it and adjust the costs and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with United Resource Systems, Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i worked for a the XXXX and was under a contract for a term or 8 months where i worked XXXX, XXXX. On my final month out, i was routed back to my home XXXX in XXXX and was neither given a reason why nor a return day to work. i contacted my dispatch the following day and was given no return day. This took place in the last week of XXXX XXXX i applied and currently work locally in XXXX and was not contacted by the company until 2015 where i received a letter that they would like me to return to work for them. i do not wish to return to work for a company that decided to abandon its employee nor do i have the luxury to abandon my current post just to serve a couple days that i would have finished back then. they wrongfully and with no good reason sent me home and are now trying to charge with a ridiculous amount of money for training they never did. i served my time and made them plenty of money. i wish for them to remove whatever debt they claim i owe

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Debt collection (Mortgage debt) with PHH Mortgage Services Corporation (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: This request for information is submitted pursuant to Regulation X Paragraph 1024.36 under RESPA. This request is not duplicative of any prior request for information on the referenced loan account.     We have received correspondence indicating that a certain  XXXX   XXXX   XXXX  was consulted and named as a representati ve of PHH Mortgage Corporation in  a foreclosure matter brought by PHH.     This is a QWR request for the following informa tion : 1.  Is  XXXX   XXXX   XXXX  and employee of PHH Mortgage  Corporation?    2. If so, how long has she worked there?   3. What is her official title?   4. What is her job description?    5.  What training is required for her title designation?    6.  Provide the name of the department or division she works in.    7.  Provide the name of the department or division head.    8.  Is  XXXX   XXXX   XXXX  authorized b y PHH Mortgage Corporation to p articipate in a foreclosure action?     Thank you for your cooperation and timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: LVNV Funding Has frozen my personal bank account and removed money, claiming that I knew I was being sued. Which I did not! Also I had to go to the court to get copies of the suit and the return card from registered mail. ( which does not have my signature on it ) The frozen bank account has caused me to borrow from a friend just to get by, to say nothing of the bills that are now over due because I could not access my bank account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/29/2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Applying for a mortgage

Complaint: I am sorry that this refers to a situation in the past. I have finally realized that it may be a part of the greater problems that were a part of Wells Fargo.
Over a year ago I asked the Wells Fargo representative who was involved in our mortgage refinance about doing it again, at the new, lower percentage.
He told me that " the company '' does not allow him to offer this to current clients.
This did not seem right to me, but I let it go and was not able to take advantage of the lower interest rates.
I failed to take action at that time, but now it seems that it might have been a part of the general illegal actions that Wells Fargo have been embroiled in over the last few years.
I am not sure what actions could address this, but would appreciate a response from Wells Fargo. And it just may have been experienced by others, who also have not taken any action. 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 01-03-2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (OH).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I received a bill from XXXX XXXX for my XXXX XXXX  credit card. The amount was XXXX. At the end of XX/XX/XXXX I mailed in a check for the amount of XXXX along with the payment stub. On XX/XX/XXXX it was sent through my account and XXXX was deducted. Then on XX/XX/XXXX the paper check came through my account and another XXXX was deducted. I called my financial institution on the XX/XX/XXXX. They credited my account, but on the XX/XX/XXXX they debited my account because they said XXXX had to fix it. So I have spoken with XXXX on several occasions but they still have not given me my money. Now I am so stressed about this it is causing me to shake. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: I contacted XXXX, XXXX, and TransUnion concerning some medical bills and a XXXX account reporting as collections on my credit report. I notified each credit bureau that these items do not belong to me and are reporting on my credit file in error. I received notification from the credit bureaus that these items were verified and that they are to remain on my credit. I responded to their findings with a request to provide me a copy of the individuals, date, time, and address to the person/s that verified this information because if indeed the did a proper investigation, they would not have verified that these items belong to me. After my 3rd contact, they have ceased responding and the issue of XXXX items reporting on my credit in error remains. The Fair Credit Reporting Act gives me protection that I will have an accurate and fair credit file and XXXX, XXXX, and TransUnion are in violation of my rights under this law.

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 10-07-2017 about Debt collection (Other debt) with ERC (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I just recently received a report again about the XXXX XXXX collection for {$1100.00}. This issue is been on for many years and i already talk to them long time ago that this account on XXXX XXXX that they are collecting is not mine. But they keep sending a report which is happen again last XXXX XXXX, XXXX. Again, this account that they are trying to report is not mine. It been ruining my credit report for many years now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (WI).
Issue: Problems caused by my funds being low

Complaint: I do n't remember how it started other than a young fella wanted me to put " extra [ rptect extra protection '' on my account. I agreed. I always followed by account online. I used by checks and debit normally. I had automatic deposit. Just after my check was deposited I would get a letter stating I had about {$150.00} in ov overdraft charges. I should not have been overdrawn. This went on for about three pay periods and then I went in and spoke to the manager. But before forward, when I checked my account online it was " fuzzy ''. It shimmered a and it made no sense. It was very confusing and there was no way anyone could track spending. So I talk to the manager and in conclusion I was told I didn did n't know how to use a checking account. ( I am currently XXXX ). Of course, I was was insulted. This went on a few more weeks, six to be exact, as I tried to get away from them. This entire 6 weeks, Wells Fargo was taking all my money. I literally had no money to spend on food and gas or anything else. I fin finally got paperwork completed at a new bank. But I had to give {$450.00} more to to wells Fargo before they would close my account. so for about 4 pay periods I had the overdrafts and then they switched to just taking my entire pay check for three pay periods but then I had to close my account with a balloon payment of {$450.00}. I do n't remember what my years were that I was was there. I also do n't remember what my pay checks were either. If one could find me in their data base. We could then verify income with my tax return. I figure they owe me about {$2400.00}

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 06-01-2015 about Debt collection (Medical) with Clark County Collection Service (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I previously contacted your agency regarding this debt trying to be collected regarding Clark County Collections, your company was able to get this agency to send the signed consent of authorization which thank you as this is dated back in XXXX which is even past the allowed time for this agency to report on my credit file. It has been XXXX years. I am requesting this agency to remove as they are violating my rights per the FCRA only allows data to report for XXXX years only. Please help as the credit agencies and Clark County are not following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (ID).
Issue: Deposits and withdrawals

Complaint: Hello, On XXXX XXXX, XXXX XXXX sent XXXX refunds to my closed SunTrust acct. ( Amounts and reference IDs are as follows : {$260.00} Ref ID # XXXX and {$66.00} Ref ID # XXXX. ) SunTrust supposedly issued a check, or checks, in the amount of the total refund and mailed it to my old address. I never rec 'd a check. I have requested the check be cancelled and a new check mailed -or- the money be deposited into my new SunTrust acct ( preferably ). 
I have spent countless hours, receiving different information from both employees and Sups as to what happened or what needs to happen in order to receive the funds that are rightfully mine. The last time I spoke to SunTrust was today, XXXX/XXXX/15 and was told by a Sup that I needed to sign an Indemnity Form before the funds could be released to me. However, I was told a few wks ago by a diff Sup that I, as well as XXXX, need to have notarized signatures on this form. XXXX can not or will not participate in SunTrust 's request for a notarized signature. They have already done their part by issuing the refund. Also, the Indemnity Form basically states that if for any reason SunTrust decides not to reissue the money, they can not be held liable for compensation, including any legal fees I, as the consumer, may incur in trying to recover the funds. The fact of the matter is SunTrust bank has and has had the funds for over a month and a half now and refuses to release them to me. Please help. 

Sincerely, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/24/2017 about Mortgage (FHA mortgage) with Roost Lending, Inc. (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I worked with a member of his team twice ( XXXX XXXX ) who reached out to me after failing the first try. XXXX was explained that if he wasnt definite about closing on a home that my wife and I were n't interested in moving forward and going through the hassle.After XXXX mentioned that the first time was a mistake and corrections were made, we agreed to give him a chance to correct the problem.After time wasted, money wasted on appraisel and 2 inspections and etc. We find it to be quite obvious that this guy is a rookie, unprofessional and will need additional training. After contacting XXXX to inform him of the horrible experience he insisted on defending his team member instead of handling the concern. We will be taking legal actions due to the circumstances. ROOST LENDING, INC. Miscalculating loan amount also had us at a high rate..

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I ask Experian to remove to accounts from XXXX XXXX account number XXXX and XXXX XXXX XXXX account number XXXX. These are the same accounts. XXXX XXXX XXXX has been reporting on my credit report since XX/XX/XXXX and XXXX XXXX XXXX has been reporting since XX/XX/XXXX. I never paid anything on either account and the accounts have been on my credit report exceeding 10 years. If you request payment history, there is none which means that the accounts will be eligible for deletion from the last payment date up to several years and these accounts have been on my credit reports exceeding the seven year deletion period. XXXX and XXXX XXXX are fraudulent reporting to keep on my credit report but however I know and even more so, Experian knows that is against the law, FCRA. I am again requesting the immediate deletion of the accounts from my 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 06-04-2015 about Consumer Loan (Vehicle lease) with AUTO TRAKK LLC (NC).
Issue: Problems when you are unable to pay

Complaint: I leased a vehicle from Autotrakk in 2013. It was to be a one year lease. I never received a copy of the lease. I was told by the auto dealer that Autotrakk would send it to me. The lease is up and I made arrangements with XXXX, XXXX, XXXX and others in collections to bring the car back to the dealer. However Autotrakk sent someone to repossess the vehicle. The repo company they sent left several threatening notes on my door and breached the peace by opening my door. I notified Autotrakk and they said they would call the company they use. I finally left the vehicle at the dealershi as agreed. Autotrakk sent me a letter saying they were going to auction the car on XXXX XXXX. The whole process with Autotrakk was mostly illegal. They installed a tracking g system without my knowledge and charged me for it. What I would like to see done is for Auttotrakk to not call this a repossession on my credit report because this is what the promised. The police was called because of them breaching the peace and they came to the house. I should be able to get the vehicle back because of this breach. There are to many people at Autotrakk passing the ball. I 'm not asking for the vehicle back I am just asking for them to honour their promise to accept the car back and not list it as a repossession. The agreement was for me to pay {$28000.00} and be settled with them.If the credit department can not do this the only other thing I can do is to sue for damages for the violations. Breaching the peace. Physical and emotional. I have the threatening letters and voicemails Autotrakk left. I did not receive any certified letter regarding how to get my belongings Although XXXX XXXX said she mailed it XXXX XXXX.the person they sent out to get the car name is XXXX. 
Resolution : Autotrakk needs to pay for the violations. They can do this by working with me so I can pay the XXXX and not have it reported as a repossession.because what they did was unlawful. That is what collections promised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I apologize that this complaint is being filed late - I only recently learned of the service that the Bureau of Consumer Financial Protection provides. This complaint is related to our mortgage with Bank of America for our property at XXXX XXXX XXXX, XXXX, CA XXXX. In XX/XX/XXXX because our property was severely under-water ( we owed about {$300000.00} more than the property was worth ), we began the short-sale process. In XX/XX/XXXX, a buyer was identified and we sent the proposal to Bank of America. After months and months of delays, with numerous requests for more and more paperwork ( very frequently it was a request for information that had already been provided, several times XXXX, Bank of America finally approved the short sale. We received a letter from them ( see attached ) outlining the details of the approval. We complied with all requests. As you can see in the attached document, B of A indicated that we would receive {$22000.00} as part of a government program. Once the short-sale was approved, it took the buyer a little longer to get his financing approved - about 3 weeks. Because of this delay ( and despite the months of delay we had experienced with Bank of America XXXX, we were told that we were no longer eligible for the {$22000.00} because the program had expired. This seems very unfair to us because we had been diligent in complying with all the bank 's requests in a timely manner. Additionally, we had a credit card with Bank of America for many years ( unrelated to our mortgage with them XXXX. During the short-sale process, the bank sent us notice that our credit card was discontinued AND that we were no longer entitled to the rewards we had earned on the card ( rewards totaled about {$900.00} XXXX. It just seems that Bank of America acted unfairly with us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have been calling, leaving messages, and, no one has contacted me back about my son getting credit for overdraft fees for amounts of {$8.00} but no morer than {$18.00}, he is suppose to get back this year for those overdraft fees charged @ {$34.00} each. Since Chase no longer wants to do business w/him, and is going to close his account out this year, I wanted him to get his credit back for incurred overdraft fees on his account.  <P/> I am asking that Chase give him his yearly overdraft fees credit back before they finalize his claim. Being, it has taken Chase 5 months to give him his direct payroll check deposit money back. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (NY).
Issue: Taking out the loan or lease

Complaint: My ex-boyfriend has his friend who XXXX take back my old BMW and traded it for a brand new {$47000.00} BMW. The dealership FORGED MY SIGNATURE on the contract, therefor I do n't even have a copy of whatever contract they signed. They switched everything over at the dealership and he drove the car around for two months without me even knowing he had done this. He did n't even pay for the car, and then it got repossessed and I get an outstanding balance bill. XXXX credit collectors have gotten this account and then dropped the case once they reviewed the contract. I have been disputing this with all XXXX credit reporting agencies but BMW always claims the account is mine. How is this so when my signature was forged and this vehicle was bought without my permission in MY name. I currently have a loan open site BMW Financial services which also has my signature on it. I 've repeatedly asked BMW to review the contract so they can see the difference in the signatures but I never get a response. Please help.

Company response to consumer: Closed with explanation