milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-05-2016 about Mortgage (Conventional fixed mortgage) with PENTAGON FEDERAL CREDIT UNION (TX).
Issue: Settlement process and costs

Complaint: My chief complaint is Pentagon Federal Credit Union is in breach of contract for changing their policy on the criteria for removing Private Mortgage Insurance ( PMI ) that was explicitly agreed to at the time of closing on the loan. The Credit Union is changing the terms of the agreement for removing PMI in its favor now that I am finally eligible to remove PMI. 

At closing Pentagon Federal Credit Union provided a document titled ( enclosed ) : " WHAT YOU NEED TO KNOW ABOUT OUR SERVICING OF YOUR MORTGAGE '' In this document, the following policy was stipulated for removing PMI : " PRIVATE MORTGAGE INSURANCE Private Mortgage Insurance ( PMI ) protects PenFed against the risk of loss should a mortgage loan default. PMI is required when the outstanding principal balance of the loan is greater than 80 % of the value of the property securing the loan. The homeowners Protection Act XXXX requires PenFed to provide certain disclosures and notices. The PMI Act requires PenFed to Automatically terminate PMI when the loan to value is scheduled to reach 78 % of the property 's original value, as long as the loan is current. The PMI Act also allows you the option to request PMI be cancelled when the loan value reaches 80 % provided you have a good payment history and the property value has not declined. PMI can also be cancelled after XXXX month if the loan to value reaches 80 % of the " current value. '' In order to cancel PMI based on " current value '' a new appraisal is required. The expense of the appraisal is the borrower 's responsibility. '' ADDITIONAL FACTS : On XXXX XXXX, XXXX, I purchased my primary residence with PenFed as the lender ( enclosed ). 

On XXXX XXXX, XXXX, I sent an email to Pentagon Federal Credit Union to request an appraisal on my primary residence for the purposes of removing PMI from my exiting mortgage ( enclosed ). 

On XXXX XXXX, XXXX, the Pen Fed representative sent a reply email, indicating a 75 % loan to value was required to remove PMI instead of the 80 % agreed to at the time of closing ( enclosed ). 

My Primary Residence : Original Value = {$270000.00} ( enclosed ) Appraised Value on XXXX/XXXX/XXXX = {$330000.00} ( enclosed ) PenFed was the original lender. No refinances were done. A conventional loan was used. This was not a higher risk of default loan. I never received a new Policy from PendFed regarding changes to removing PMI.

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 08-06-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: The representatives get attitudes with you about your account especially if you are unable to pay at the time of the call. I think it 's illegal for the company to " search '' through names of people in the family when they are not on the reference list to contact harassing and getting attitudes with them. Even though they say they are willing to work with the customer, they are n't.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm filing a complaint because of the lack of help and correspondences from Wells Fargo with regards to the home of my aunt and last living relative the now deceased XXXX XXXX XXXX in an effort to modify and assume her loan. As the assigned personal representative of the Estate XXXX XXXX XXXX XXXX, I have sent the requested documents and they keep saying that they never received it and then request the same documents over and over again stating that they never received them. I leave messages and they are not returned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Credit card () with JPMORGAN CHASE & CO. (MI).
Issue: Application processing delay

Complaint: ON OR AROUND XX/XX/2016, I APPLIED FOR A CHASE CREDIT CARD THROUGH THE INTERNET. MY CREDIT SCORE WAS XXXX AND ABOVE, I AM WELL ESTABLISHED ON THE JOB AND HAVE A STABLE CREDIT HISTORY. HOWEVER, BECAUSE THERE WAS AN ALERT ON MY CREDIT FILE, CHASE CONTACTED ME THROUGH THE U.S. MAIL TO INFORM ME OF THIS. THEY INFORMED ME TO CONTACT THEM VIA TELEPHONE TO VERIFY MY IDENTITY. I WAS TOLD THAT THE ALERT ON MY FILE WAS THE REASON MY CREDIT CARD WAS NOT APPROVED. AND THAT IF I UPDATED MY CREDIT FILE WITH CONTACT INFORMATION OR CONTACT THEM VIA PHONE TO VERIFY MY IDENTITY, THEY WILL APPROVE MY APPLICATION, AS THIS ALERT WAS THE ONLY THING DELAYING THE APPROVAL. I EVEN MAILED IN A COPY OF MY DRIVER 'S LICENSE AND SOCIAL SECURITY CARD. ON OR AROUND XX/XX/2016, I CONTACTED CHASE VIA PHONE, PROVIDED MY INFORMATION AND COMPLIED WITH AND PASSED THEIR SECURITY CHECK. ON OR AROUND XX/XX/2016, I RECEIVED A DECLINE OF MY CREDIT APPLICATION, STATING ITS BECAUSE MY CREDIT WAS PULLED TOO MANY TIMES. CHASE 'S REASON FOR NOT APPROVING MY CREDIT IS BIAS/DISCRIMINATORY, EGREGIOUS AND CAPRICIOUS. CHASE LEAD ME TO BELIEVE THAT IF I PROVIDED ALL MY SECURITY INFORMATION OVER THE PHONE, PROVING THEM WITH DATE OF BIRTH, SS #, MOTHER 'S MAIDEN NAME, BANK INFORMATION, COLLEGE ATTENDING ETC., THAT MY CREDIT APPLICATION WOULD BE APPROVED. HOWEVER I WAS LIED TOO. I BELIEVE I HAVE BEEN DECEIVED AND FURTHERMORE, MY CREDIT SCORE HAS BEEN LOWERED BECAUSE OF THEIR INQUIRIES INTO MY ACCOUNT DESPITE THEM ALREADY DECIDING NOT TO APPROVE MY CREDIT CARD APPLICATION. NOW, MY CREDIT IS DAMAGED FOR THE NEXT 2 YEARS AND IF I REAPPLIED FOR A CREDIT CARD WITH CHASE, MY CREDIT SCORE WILL BE LOWERED AGAIN. ALL OF THIS HAS CAUSED A NEGATIVE IMPACT ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Berlin-Wheeler, Inc. (Kansas) (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX had always charged me XXXX per month then all of the sudden i was charged XXXX. I called my credit card company to dispute the difference of {$23.00} to bring my bill back to XXXX. The credit card company credited me back {$23.00} and they never contacted XXXX as the {$23.00} amount was too low for the bank to pursue XXXX to give them that money back. XXXX was made aware of this and they told me i was lying. I then called my credit card company and told them what was going on, so we decided to call XXXX together. XXXX again said i was lying and then they were made aware the bank was on the other line recording the phone call. The bank told XXXX that indeed i had disputed {$23.00} but that they should n't try to come after me because the bank wrote off the {$23.00}. Nonetheless XXXX repedetely threatened me to send me to collections and today i received a collection bill in the amount of {$80.00} after repeditely disputing the debt with XXXX. So basically, XXXX charged my card {$62.00} and i disputed {$23.00}, the bank then wrote off the {$23.00} and somehow XXXX found out and tried to come after me for the full {$62.00} and today i got a collections bill for {$80.00}. I have copies of the credit card statement and my bank has a recorded phone call and yet XXXX continues to try to collect something they are not entitled to and now this collection is on my credit. I filed complains with the BBB and they told the BBB to XXXX. I wan na sue XXXX for fraud and cohersion! furthermore, the original charge was {$62.00} and now they sent me to collections for {$69.00} AND a collection fee of {$11.00}! what is wrong with these crimminals?!

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 02/28/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: During times of unemployment and under employment XXXX / Navient would not allow for deferment or lower payments. I was advised that there is a rule that the loan could only be deferred so many months. I used the allotted time during in school deferment. As a laid off adult, years later, my loan ended up in default because of the lack of options.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Credit card () with DISCOVER BANK (MI).
Issue: Closing/Cancelling account

Complaint: My DISCOVER credit card account was closed by the company on XXXX XXXX without given any reason. I have remained good credit score and never had any late payment since I got the card on XXXX. 

DISCOVER has promoted its credit card by promising high cash back on purchasing, however they never give any itemized summery on the cash back credit along with every purchase, so it is extremely difficult to keep track of those credits. There were several times when I make purchase using the affiliate link on DISCOVER website but only end up receive XXXX cash back on the statement ( since they do n't provide any record for those purchase and cash back credit, I have no proof to show ). And now that my account was closed, the cash back credit I received earlier was all gone.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is the XXXX time I have received a statement from EOS CCA/XXXX XXXX saying that I owe a debt to XXXX XXXX XXXX XXXX. I have contacted XXXX and they have no idea what this could be and said that I do not owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: NOTE : This is a CHALLENGE as I am NOT DISPUTING.

I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB, along with the appropriate government divisions who have jurisdiction over this. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance.

The items attached are non-compliant as per the FCRA and CDIA requirements!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/24/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Credit card was discharged in Chapter XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/25/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Contract was cancelled " NO CONTRACT '' Showing up on My credit report as Account Transferred, Sold, or Purchased by another lender Paid. This should not be showing up on my report if Nelnet Loan Services is no longer servicing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On or about XXXX XXXX, 2017, American Express ( " AMEX/Furnisher of Credit '' ) prematurely, inaccurately, and unlawfully furnished negative information to consumer reporting agencies pertaining to my charge account. On or before XXXX XXXX, 2017, I ( " Consumer/Card member '' ) attempted to address the substantive legal issues raised, but AMEX failed to acknowledge and/or address my concerns. Under 15 U.S. Code 1681s2 et al., the Furnisher of Credit has a duty to acknowledge and respond to a dispute. To date, I have not received a response. <P/>The negative information furnished is premature because under 1681s2 et al., AMEX failed to issue notice prior to furnishing the negative information to the consumer reporting agencies. The negative information furnished is inaccurate because based on the agreement the account was in good standing. The negative information furnished is unlawfully because the notice required under 1681s2 et al., was not provided to the consumer prior to, or within 30 days after furnishing the negative information to the consumer reporting agencies. <P/>I suffer damages and costs including but not limited to : ( 1 ) adverse and/or negative recordation of inaccurate negative information furnished to the credit reporting agencies ; ( 2 ) diminished/lower credit scores ; ( 3 ) retaliatory APR increases ; ( 4 ) retaliatory lowering of credit lines/limits ; and ( 5 ) negative encroachment on my ability to borrow. I seek the immediate removal of any and all negative and/or adverse reporting of information to the credit reporting agencies concerning this account and/or reconciliation of any and all substantive issues raised.
<P/>
I declare this to be true and accurate, to the best of my knowledge, under the penalty of perjury.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: This complaint is dealing with the Equifax Breach 2017 earlier this week that affected up to 143 millions  customer records. I learned from my current employer to go to https : //www.equifaxsecurity2017.comXXXX to see if I was impacted and I was along with my husband. This information should have been shared with everyone back in XXXX 2017 when it started. Also if they had any idea of all the people affected then notification should have been sent to those individuals. This affects my entire family.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Credit decision / Underwriting

Complaint: Our home, had its roof torn off by a tornado on XX/XX/XXXX. My wife and I plus our XXXX dogs ( as well as other residents of the XXXX affected condominium buildings XXXX were evacuated by the police and fire department. We were briefed at XXXX about the situation and sought out temporary shelter for the night. We escaped with just the clothes on our backs. We had insurance for just such a disaster and found shelter. I notified our insurance company of the evacuation that night to start the process of getting a claim number. I notified Chase Mortgage, our mortgage holder, of the situation the next day at the open of the business day to let them know of the situation. I was told by the people at Chase Mortgage that we might be eligible for some type of relief, but that the mortgage would still be due on a timely basis. Aside from no roof being on our condominium, it was discovered that ASBESTOS contaminated the condominium. With the still frequent rains, mold started to grow on the exposed walls, and at one point, for a few days, the buildings were in danger of flooding. Right now, as of Monday, XX/XX/XXXX, we can not live in our condominium, but I have continued to pay my mortgage at the same interest rate as when my wife and I first purchased our condominium. So it seems I am paying for a residence in which we can not occupy, we are rebuilding our home, we lost everything, but Chase Mortgage has not given any relief to us nor offered any help in the rebuilding. Something seems very wrong about that situation. It may be that our home may not be inhabitable until after the first XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I BEEN TRYING TO REFINANCE MY HOUSE FOR MORE THAN 5 MONTS AND I CANT BECOUSE MY CRDIT REPORT HAVE MANY UNPAID ACOOUNT THAT I NEVER OPEN WITH THIS CREDITORS SO I CALL AND I SEND COPY OF MY COMPLETE INFORMATION SO THEY CAN SEE THAT ALL THIS ACCOUNTS ARE NOT MINE BUT I SEE NOT RESULTS FROM THE CREDIT BUREAU AND THE CREDITORS AND IAM VERY TIRED WITH THIS, SOMA BODY IS NOT DOING THE JOB RIGHT.

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 06/30/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have not done business w ith LVNV funding. I do not have a signed contract not any contract with LVNV funding. I have the right to demand to see a signed contract between LVNV funding and  myself.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Credit card () with CITIBANK, N.A. (MI).
Issue: Billing disputes

Complaint: on or around XXXX XXXX, 2016, I CONTACTED CITI CARDS AUTOMATED SYSTEM TO MAKE A PAYMENT, BUT THEIR AUTOMATED SYSTEM REFUSED MY CHECKING ACCOUNT INFORMATION AND CONTINUED TO DO SO, DESPITE HAVING TO CALL BACK SEVERAL TIMES AND INPUTTING THE CORRECT INFORMATION AGAIN AND AGAIN. I FORCEDTO SPEAK DIRECTLY WITH A CUSTOMER SERVICE REP., IN ORDER TO MAKE A PAYMENT, EXPOSING MY PERSONAL ACCOUNT INFORMATION. THE REP ENTERED INTO THE SYSTEM, THE WRONG CHECKING ACCOUNT INFORMATION AND CAUSED SEVERAL FINANCIAL ISSUES INCLUDING BUT NOT LIMITED TO A REFUND OF THE PAYMENT OF {$35.00} ; A RETURN CHECK FEE OF {$27.00}, ; INTEREST OF {$23.00} ; AND THE COST AND TIME OF CONTACTING THE COMPANY ABOUT ALL THE COST INCURRED. I SPOKE TO A SUPERVISOR, ON OR AROUND XX/XX/2016, AND HAD TO REQUEST THAT THE INTEREST AND FEES BE REFUNDED TO MY ACCOUNT DUE TO THE COMPANY 'S ERRORS. I WAS TOLD THAT THE FEES WOULD BE RETURNED TO MY ACCOUNT, HOWEVER SHE SAID I WOULD ONLY GET ONLY XXXX CENTS OF THE {$23.00} CHARGED IN INTEREST RETURNED TO ME. UPON ASKING HOW SHE CALCULATED ONLY XXXX CENTS WITHIN LESS THAN 2 MINUTE OF SPEAKING WITH ME, SHE LAUGHED AND SAID SHE HAD A CALCULATOR IN FRONT OF HER. I HAD TO REQUEST A CREDIT TO THE ACCOUNT COST FOR THE ERROR ; THE TROUBLE AND INCONVENIENCE AND ALL OTHER COST I SUFFERED FROM, SHE STATED SHE WOULD AND THAT SHE WROTE IT ON HER CALENDAR AND THAT SHE COULD NOT PUT IT INTO THE SYSTEM, BUT SHE REFUSED TO SAY ANY AMOUNT BEING REFUNDED. THERFORE ON AOR AROUND XX/XX/2016, I CALLED CITI CARDS FOR MY ACCOUNT BALANCE TO PAY OFF MY BALANCE, I WAS TOLD THAT THERE IS NO PAYMENT DUE. I WAS TOLD NOT TO MAKE A PAYMENT. THEREFORE, NO PAYMENT WAS MADE DESPITE WANTING MAKING A PAYMENT TO CLEAR MY ACCOUNT OF ANY AMOUNT POSSIBLY DUE. I WAS TOLD NO. ON OR AROUND XX/XX/2016, I JUST RECEIVED MY NEXT STATEMENT WITH NO CREDIT FOR THE TROUBLE, CALLS AND INCONVENIENCE OF WHAT I HAVE HAD TO INCUR PRIOR TO THIS STATEMENT. BUT, THE STATEMENT SHOWED AN INTEREST REFUND OF XXXX CENTS FROM CUSTOMER SERVICE ERROR .. ( NOT WHAT THE SUPERVISOR STATED ) AND NOT THE CORRECT INTEREST AMOUNT. IN ADDITION, I WAS CHARGED INTEREST OF XXXX CENTS OF A BALANCE OF {$23.00}. AN INTEREST CHARGE I NEVER SHOULD HAVE HAD TO INCUR HAD I BEEN GIVEN MY BALANCE ON XX/XX/2016, WHEN I CONTACTED CITI CARDS TO PAY OFF MY ACCOUNT BALANCE IN TOTAL. ONCE AGAIN I HAD TO CONTACT THE COMPANY AND SPENT OVER 40 MINUTES ON THE PHONE TO BE TOLD THAT I WOULD ONLY RECEIVE A CREDIT OF XXXX CENTS OF THE INTERESTED CHARGED ON THE NEW STATEMENT BALANCE AND FURTHERMORE, THAT THEY WILL NOT CREDIT MY ACCOUNT FOR THE MISCOMMUNICATION ON MY ACCOUNT, MISINFORMATION ABOUT MY ACCOUNT BALANCE, ERRORS, AND REFUSAL OF PAYMENT TO PAY OFF MY BALANCE, ALL DUE TO COMPANY ERROR.

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 09-10-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was told that I would be garnished and taken to court if I didnt make payments

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: On XX/XX/XXXX, I went to XXXX XXXX XXXX and clicked on Transunion to get a free credit report. After going through the application process, it said that my request could not be processed online and gave me a number to call. I could never reach anyone at that number. Now I see I was billed {$19.00} for the free report I did n't receive. Moreover, the login I created only worked one time. I ca n't get back on their website. In reading complaints others have filed on XXXX XXXX XXXX about their customer service, I decided to act proactively by filing this complaint rather than engage in the inevitable fight I 'd get into dealing with them directly. Thanks for your help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation