milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2017 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (LA).
Issue: Loan servicing, payments, escrow account

Complaint: PHH Mortgage is giving me the runaround on dropping my PMI. They keep telling me I need to be at XXXX % of my purchase price instead of XXXX % of my appraisal value. I am literally {$870.00} dollars away from being at XXXX % of my original appraisal value. Every time I speak with someone and ask them if I make a {$900.00} payment today to drop my PMI all I get is the run around. I have spoken to many people in refinance business and on this site and everything they are telling me is untrue. I offered to make a {$900.00} payment immediately to drop but then I get put on hold for XXXX minutes each time and they literally repeat the same conversation we just had. I am currently waiting for a higher up supervisor to call me back because the lady I last spoke with was of no help from the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with WELLS FARGO & COMPANY (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I have a personal loan with Wells Fargo and I was out of the country for a funeral and my personal loan fell behind. Wells Fargo discontinued my debit card while I was overseas and took all my funds from both my checking and savings leaving me without no funds without sufficient notice and failed to refund the money when i asked them why they took all funds from my account. I had no money for rent and my direct deposit check was seized as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On  XXXX   XXXX ,  XXXX  a charge of {$560.00} appeared on my Ba nk of America visa credit card statement. It was an erroneous charge that I had not made. I contacted the nu mber next to the charge on my credit card statement. It was a contact number for  XXXX . I informed them that I did not make this charge on my credit card. I have never had an account with  XXXX . I then called Bank  of America  to notify them of this bogus charge. The bank then eliminated the charge off my credit card statement. A couple of weeks went by and I received a package that I never ordered. It was a hair extension of some kind. I threw it away thinking that since Ban k of America  had eliminated the charge off my statement that the problem had been resolved. On  XXXX   XXXX ,  XXXX , I arrived home from work to an email message from Ban k of America sta ting that they had reinstated the {$560.00} charge to my account. I responded by calling the  XXXX  number again to try to extract additional In- formation from them. They divulged the business name, niquesboutique and customer service number  XXXX   XXXX   XXXX  to me. I immediately called this number and left a message about my predicament. A person named  XXXX  called me back and apologized for the charge. She said she would work to reverse that charge off my credit card account. We talked back and forth for a few days commencing on  XXXX   XXXX ,  XXXX  but nothing has been resolved about the charge. On Wednesday  XXXX   XXXX ,  XXXX , I called the Ba nk of America to fin d out why they had reinstated the {$560.00} charge to my account. I was passed through three employees at the bank. The third employee became hostile when I explained that I had not made this charge to my credit card account. He stated that since I received a package that I must have ordered the product. He seemed immune to the prospect that my credit card number had been stolen and abused. I have been with the Ban k of America cre dit card since  XXXX . Within that period of time, the bank has issued me numerous, about  XXXX  different credit card numbers, when they felt that there might be an issue with my card number being stolen and used fraudulently. As it stands right now, Ban k of America  has stated that they will begin charging me interest on this {$560.00} fraudulent charge. I am between a rock and a hard spot with neither the bank nor the merchant willing to acknowledge this bogus charge on my credit card account. Please help me.

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 monetary relief
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I attempted to place a security freeze on my credit report with TransUnion on X/XX/17 at XXXX PST. The link to the Security Freeze option results in a webpage saying the service is temporarily unavailable. However, there is no problem accessing the webpage where TransUnion is trying to sell me their TrueIdentity product to " lock '' my credit report.
TransUnion appears to be taking unfair advantage of the XXXX hacking incident, and customer 's interest in freezing their credit reports, in order to FORCE us to buy their TrueIdentity product by making the legally required availability of a Security Freeze inaccessible. The increase in demand for Security Freezes can not be the reason for the unavailability of this service if the parallel, but more expensive, TrueIdentity product is still available.

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 02-02-2017 about Consumer Loan (Installment loan) with MARINER FINANCE, LLC (VA).
Issue: Taking out the loan or lease

Complaint: The Mariner Finance agent called me, an existing customer, and offered an additional loan amount ( in addition to the approx. {$2700.00} I currently owe ). I do not feel that the agent properly disclosed all appropriate information related to : ( 1 ) the hard hit on my credit report, and ( 2 ) the very high interest rate on the loan.

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 10-11-2017 about Mortgage (Other type of mortgage) with SELECT PORTFOLIO SERVICING, INC. (OK).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX my mortgage was sold to Select Portfolio Servicing I continue to pay without any problem. Previous XXXX XXXX XXXX XXXX was my mortgage company. XXXX XXXX I giving XXXX permission to do a electronic draft from my bank account. XXXX they did and XXXX they did. I receive a letter stated they a sold it to Select Portfolio Servicing. On XXXX XXXX, XXXX XXXX went in my checking account and took out XXXX unauthorized. I did not give them permission I was not with this mortgage company no longer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX, I called Transunion to remove inquiries that I did not authorize. I ask to speak with a US Representative. I was connected to a US.representative and as he was confirming the inquiries which inquiries needed to be removed the call got disconnected. I called back and was connected to different US Representative. I explained to him what happened and how the previous US was in process of removing the unauthorized inquiries that were reporting on my credit report. He told me that he was not able to delete or dispute inquires. I explained to him that the previous representative was in the process of deleting my unauthorized inquiries and how is it that the previous US Representative I was speaking to could delete inquires but he wasn't able to. The US Representative was very rude and didn't care to help me address this issue. He stated that I could not be connected to the previous US Representative. There is a total of of 9 inquiries from XX/XX/XXXX-XX/XX/XXXX from car loan places in which I did not authorize to pull my credit.  •	XXXX (XX/XX/XXXX)•	XXXX XXXX XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX XXXX (XX/XX/XXXX)•XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/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 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted Experian regarding the inquires that I did not authorize and they refuse to investigate/verify and remove them. The credit inquiries are as follows : XXXX-XX/XX/2017 XXXX XX/XX/2017 Please remove these credit inquires from my credit 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 10/29/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Credit decision / Underwriting

Complaint: This letter is to remedy a problem I am having associated with an old marital property. the I was divorced in XX/XX/XXXX from my ex-husband. In our divorce decree, my ex-husband was awarded the property and I signed a quitclaim over for this property, filed bankruptcy in XXXX XX/XX/XXXX with it being discharged in XXXX XX/XX/XXXX. In XX/XX/XXXX I purchased a new home and attempted to refinance the home in XX/XX/XXXX only to be advised that a negative " hit '' was placed in the XXXX system stating I had foreclosed on a loan which is untrue. My ex-husband continued paying on the loan and from according to records I have been able to ascertain, he allowed the home to go into foreclosure and signed a deed in lieu of foreclosure. I do n't understand why I 'm being affected with him. If I had known that I would still be held liable for this I would have preferred to have attempted a short sale. I never signed a deed in lieu so how would it be valid. Was my signature forged? If you say that it was n't my property and my signature was not needed then how can you report me to the XXXX system as being held liable for property that was not mine. It seems as though it can not be both ways. I have had no affiliations with this property since the divorce and this is hindering me and I 'm looking for Chase to assist me. I have attached copies of the quitclaim and divorce decree which took place prior to the foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I met with my XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) a few years ago and had her pull up every delinquent account I had at that time on my credit report. We then made a loan with the credit union and paid off all my bad accounts. Now XXXX XXXX is showing XXXX delinquent accounts through Transunion. The creditor names say Collector. XXXX is for {$68.00} the other {$67.00}. I have no idea who these Collectors are? If they have a legitimate claim. Please send me the account info and contact info for the Collectors and I will pay them off. Thank you. 
XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Debt collection (I do not know) with Van Ru Credit Corporation (KY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A man by the name of XXXX XXXX contacted me today ( XXXX ) with a phone number of XXXX. However the phone number that appears on my caller ID is XXXX with unavailable name. When they leave a message they state that they are attempting to collect a debt with XXXX as the company name. Today when the man called ( XXXX ) he was very rude and told me that he needed to speak to my husband XXXX immediately! I told him that he was at work! He wanted to know where he worked and I just told him in XXXX. I told him that I was his wife and asked if I could help him .... he said he needed XXXX 's social security number and I asked what the company name was and he would n't tell me so I told him that I would n't tell him the social security number. Then he asked for his date of birth ... again I told him I was NOT giving him any information unless he told me what company it was for. He said that he could n't give me any information until he knows if it 's the right person. I '' M NOT GIVING HIM ANY INFORMATION!!! I DO N'T KNOW THIS PERSON!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2017 about Debt collection (Other debt) with Midwest Credit & Collection, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am writing this complaint in regards to the {$1900.00} balance from XXXX XXXX that is trying to be collected by XXXX XXXX XXXX XXXX XXXX.At the time this lease was broken I was involved in a domestic abuse situation with my now ex-husband which resulted in me having to get myself and my Then XXXX XXXX XXXX XXXX out of the apartment and out of the situation.I have contacted the company on multiple occasions getting the run around.First they told me they would contact XXXX XXXX and inquire about a settlement but they never called me back.I contacted them yet again and they told me that XXXX XXXX stated that they would not settle the balance, so I contacted XXXX XXXX myself and they have a new owner and stated that it was not that they would not settle they just did not have the information any longer being that there was a new owner and the amount had already been sent to collection so there was nothing that they could do.Only in my own research of the Illinois State law and getting the constant run around did I find that there is specifically protection for victims of domestic violence under tenants rights in what is known as the safe homes act in the state of IL.This collection balance should have never been sent to the collection agency in the first place under this IL law.This is causing great distress on my now XXXX XXXX XXXX XXXX and I as it is hindering us from being able to establish residency in a new state as well as greatly negativly affecting my credit score!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/20/2016 about Debt collection (I do not know) with CAINE & WEINER COMPANY, INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For more than a month I have been receiving automated dunning calls from XXXX. The caller purports to be calling from Caine & Weiner, a California collection agency. The calls are directed to my cell phone. The call is directed to XXXX XXXX and asks for a call back to XXXX extn. XXXX. No caller name was provided. The latest of these calls occurred at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and today at XXXX XXXX XXXX, all XXXX. The debt is not mine. I do not know a XXXX XXXX. On XXXX XXXX I sent an email to XXXX, president and CEO of the firm, directing him to stop these harassing calls but they still persist. The email went unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Grant & Weber (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I opened an account at XXXX XXXX XXXX as a supplementary account to my main bank account. I funded it the account with just a XXXX dollars. I also attached XXXX to my XXXX account. 

I made a purchase on XXXX that was supposed to be charged to my credit card, but XXXX wrongly charged my bank account instead, causing an overdraft. Even though XXXX swiftly corrected the error and refunded the money, XXXX charged me an overdraft fee. I tried to explain to them that this was the result of a billing error but they would n't hear it. 

Ultimately, XXXX kept the overdraft fees and opened a collection account based solely on the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The bankruptcy listed on my credit report is inaccurate. Please identify the method that have used to verify the information in the bankruptcy. The bankruptcy belongs to another person with the exact same name as me living in my area. So do all of the accounts listed below. It is a violation of the FCRA to report inaccurate information. Please show me in writing the verification of my social security number against the actual paperwork shown on the bankruptcy. Not  one  that is displayed on a public website.     These accounts are also not mine they belong to someone else.      1.    XXXX   XXXX    XXXX   2.      XXXX   XXXX    XXXX   XXXX   XXXX  3.   XXXX   XXXX   XXXX    XXXX   XXXX  4.   XXXX   XXXX   XXXX   XXXX    XXXX  Please delete these items including the bankruptcy if you can not verify these within 30 Days. Verification means to be able to testify in court, under oath with written proof. You are also in violation for providing truncated account numbers. These are not my account numbers. None of mine end with XXXX. Please delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2015 about Credit reporting () with EQUIFAX, INC. (MT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have a credit freeze on my accounts with all three credit reporting agencies. I lifted my freeze with Equifax on XXXX XXXX through XXXX XXXX to allow my credit union to verify my credit for a car loan. I have made an offer on a vehicle so this issue is time-sensitive. 

I applied for a car loan with the same credit union in XXXX 2014 and the loan officer was able to access my credit info with Equifax so I could get a loan. Now, a year later, Equifax is refusing to allow access to my lender. 

After I lifted my credit on XXXX XXXX, my lender ( XXXX XXXX XXXX XXXX ) tried repeatedly to verify my ( excellent ) credit history. The credit union was given the automated message that the credit was frozen, EVEN THOUGH Equifax had charged my {$3.00} on my XXXX XXXX card to lift the freeze AND I got a message ( when I tried to repeat the lift ) that there a temporary credit lift was already in place. When I called " customer service, '' I was told that the reason the credit union could not verify the credit was that Equifax did n't have a birth date on my file. I am XXXX-years old and have a LENGTHY credit history. Equifax provided my credit history to this same lender ONE YEAR AGO. Now they refuse to give out the info, while still charging my {$3.00} and telling me that me freeze has been lifted. 

When I spoke to the Equifax customer service rep on Friday, XXXX XXXX, she insisted on charged me an ADDITIONAL {$3.00} to extend the lift on my credit freeze until XXXX XXXX even though it was their fault that my lender could not verify my information. She also told me that my credit union needs to send my birthdate to Equifax as part of the transmittal about the status of my current loan. 

Although the customer service rep verified my identity, she refused to let me give her my birthdate information. I understand that they ca n't accept info over the phone, but I think Equifax should have already this info had since my birthdate has been on every credit application I have ever completed and I have many, many items on my credit history. 

I have informed the loan officer at XXXX XXXX XXXX, but I am dubious that Equifax will cooperate given their lack of customer service on the phone with me. 

Summary of next steps : I need Equifax to allow the loan officer from XXXX XXXX XXXX XXXX to verify my credit ( as Equifax did in XXXX 2014 ) so I can proceed with the car loan. If I need to, I can then mail documentation about my birth date to Equifax at my leisure after the loan has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: After investigating an unfamiliar debt listed on my credit report, which I looked into after being denied credit, I discovered that the debt listed on my report was for a different person, at a different address, for a different and lower amount than listed on my credit report.   I asked Equifax to investigate this obvious fraud, and they came back with the stance that they would keep it on my report until   XXXX   and include my statement detailing why it is fraudulent.     This is a breach of trust and failure to investigated reported debts and uphold accurate credit reporting rules as is required by credit reporting agencies. Because of this misconduct, I request that CFPB investigate this debt report ( previously reported here ) and compel the credit bureaus to increase screening and implement debt validation practices and to be forbidden from reporting false and damaging information on a consumer 's credit report.     This credit bureau will be held liable for damages caused for acting in bad faith and failing to verify reported debts.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Credit card () with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Delinquent account

Complaint: I had a credit card with XXXX XXXX bank in 2000 when I wAs XXXX I was going to pay but was not able to come to agreement on terms. Portfolio recovery has been harrassing me for the past 11 years and even the letter states it will not be reporting to the credit bureau so I see no point and they call almost everyday and i think they should leave me alone I have other priorities as far as my health.

Company response to consumer: Closed with non-monetary relief