milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2017 about Mortgage (VA mortgage) with 360 MORTGAGE GROUP LLC (MS).
Issue: Loan servicing, payments, escrow account

Complaint: 360 Mortgage has made several billing errors regarding my loan XXXX. The mortgage company is reporting various amounts due in the past 5 months. The company has violated the Fair Billing Act and Fair Credit Reporting Act. The company has added default cost of {$100.00}. My loan was on a repayment plan from XXXX through XX/XX/2015. The representative 's XXXX and XXXX stated it was due to the company having to send someone to my house to verify residence. I asked the representative 's to submit me proof or remove the charge from my statement and they stated they could not. The company has continued to call several times a day and harass me to about paying the amount. The company has sent me a statement that my payment amount will be increasing by {$43.00} due to " escrow shortage ''. I just increased my deductible for my insurance and XXXX refunded 360 Mortgage Company {$240.00} 3 days ago and lowered my premium. The representative XXXX stated my insurance premium increased and that was the reason for the increase payment. This is a deceptive business practice to get monies from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: This is my second time filing a complaint after the first complaint was ignored. Dear Experian Dispute Department, I have disputed inaccurate items from my credit report multiple times. I have sent certified letters in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX along with uploaded copies in XX/XX/XXXX and XX/XX/XXXX requesting VERIFIED account information for what you are reporting on my report. Clearly, you have ignored my request for this information because according to the FCRA you have 15 days to provide me with the name of the creditor, the name of the business, the name of whom you spoke with and their contact information once you receive me request. I have not received anything other than your standard " verified '' response. You have an obligation to uphold the law and correct credit reports that are reporting inaccurate and unverified items. I have sent you plenty of documentation to support my disputes and I believe my dispute is going through your XXXX computer system and not being investigated properly. All of the items listed below need to be removed immediately. I have spent countless hours documenting and recording the information for you to conduct a reasonable investigation. If I can not get the resolution that I am requesting due to your willful noncompliance I will file suit in Federal Court. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: the mtg loan, shows many delinquencies which are inaccurate i have received a letter from XXXX stating that the specific dates were on time and need to be corrected. 
please find attached letter from chase, but the bureaus have only updated a few of those delinquencies not all. 
i have XXXX sons who are in military and serving this amazing country, and people. but when it comes to getting a helping hand from people and organizations for which my sons are serving for, i get nothing. i need help to refinance my house so wont loose the only thing that i want to keep for my XXXX sons. if i am not able to refinance i will be losing this house and all the memories with it. 
please help me to have these negative marks removed from my credit report. 
thank you for your time

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 06/16/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX wireless shows as collection but I 've never had nor opened an account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (Other debt) with ERC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Spoke with rep in regards to this account ask for " FULL VALIDATION '' COPY OF ORIGINAL CONTRACTS NO REPONSE. STILL RECIEVE PHONE CALLS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: My partners and I opened a business account for our company XXXX with Chase on XXXX XXXX and on XXXX XXXX we deposited a seed money check from our investor. We were told that the funds would be held until XXXX XXXX. I told them that this is unacceptable and that I would need at least a portion of the funds releasde within a few days. The agent told me that would more than likely be no problem. However, it is now the XXXX of XXXX and the funds are still not available. I have spoken with my investor and was told that the funds were removed from his account on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I opened a Capital One 360 checking account on XXXX. No issues, they opened it. Well today on XXXX my uncle sent me {$2000.00} for college and my birthday. XXXX, XXXX says pending. An hour later I get an email saying my account was frozen and to call in to verify the deposit. I call in and verify myself after half an hour on hold. The rep then tells me that XXXX has decided to close my account and will not be giving me a reason. Nor would they mail me my birthday money. They absolutely refuse to help. They closed my account in the middle of a deposit without any reason after a month of me being a customer. And I never went into a negative amount. I want my money and an apology!

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been applying for Mortgage Loan modification on my property since last year without any positive response and has been turned down XXXX times without giving any reason. My property or Loan number is XXXX I have been behind and struggle to catch up with my mortgage payment since the middle of last year due to medical reasons that has affected the family finances coupled with medical bill incurred during my son 's having a procedure on a XXXX XXXX at his school playing ground last year. 
The loan modification application was completed and all the necessary documents including the medical bills were sent to them. I have not even been able to pay the medical bills due to lack fund and some of them have gone to collection. My wife has exhausted her XXXX at her job in the payment of the mortgage with the statement sent to PennyMac. 
My wife and myself are both presently in school and work to ensure better financial status and we are not making enough to meet the family financial needs. 
The major reason for PennyMac denial is that the family is not making enough money compare to what is going out hence the modification is denied which is the reason for asking for modification and I think should be a reason why the modification should approved.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was bought and sold XXXX times by various companies. The current owner, Nationstar Mortgage, recalculated our payments and even though we NEVER MISSED A PAYMENT ( even paid more on principal every month since the inception of the loan ) they charged us fees, penalties, and interest that they themselves could not explain. We hired an attorney to understand what we were being charged for and he ultimately told us he could n't talk to anyone who could explain it, show a proper accounting of the " recalculation '', and could not even begin to figure it out. The attorney thought that we had been " swindled '' for XXXX of dollars through devious and deceptive accounting methods. In fact, Nationstar Mortgage could not even provide us with an amortization schedule of our loan to this day! On top of this, we have a red flag on our credit as having missed payments when we NEVER missed a payment and ALWAYS PAID EARLY and above the required payment. To date, we are convinced that their " recalculation ( s ) have cost of XXXX of dollars ( if not XXXX ) which they can not explain in words or figures. If a lawyer can not help us then we felt we had no alternative but seek help from your agency. The transference ( Sale ) of our mortgage to Nationstar Mortgage Company from XXXX Bank has been a nightmare from the inception and has cost us more than just money. We need help and intervention for a full explanation and accounting from this company. 
We thank you for your help. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit card () with CITIBANK, N.A. (WA).
Issue: Advertising and marketing

Complaint: In regard to my AT & T Universal XXXX Card, I have been denied " calling benefits '' as of XXXX XXXX, 2015. After contacting the company by letter ( regular mail ), by phone conversation, and by XXXX e-mails ( via the company 's secure message service ), I was finally informed in response to the last e-mail that my " calling benefits '' had been discontinued. At XXXX, I took this to mean that the entire " calling benefits '' program had been discontinued. But, apparently that is not the case. A XXXX/XXXX/2015 visit to their website, under " your card 's key features '', show 2 items : 1. Citi Easy Deals ( points ) and 2. " extend the conversation with your calling benefits. Enjoy up to XXXX free phone minutes and XXXX Directory Assistance inquiries- free each month* ''. The * references fine print. So, I 'm thinking my particular calling benefits have been discontinued for some reason buried in the fine print or this is a case of false advertising. Not being an expert in either fine print or false advertising, I need a clear explanation of what is going on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: PAID ORIGINAL CREDITOR ALREADY! THIS BILL IN IN DISPUTE UNDER FCBA ACT. CEASE AND DESIST COLLECTION EFFORTS AND STOP CALLING MY WORK AND CELL NUMBERS.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Payday loan () with Trademark Management Solutions, LLC. (GA).
Issue: Charged fees or interest I didn't expect

Complaint: I got a pay day loan from a company that was trying to charge me fees that were way out there, like 300 %. I tried to talk to them numerous times and get what I borrowed paid back but they kept giving me the run around and would not return my calls. Recently, I received a call from Trademark Management Solutions telling me there was a server in the area and they were filing criminal charges against me. I tried to tell them that I could not pay what they were wanting ( {$400.00} a month ). I asked if they would at least try to get the payments lowered. They told me the company in which they were dealing with said NO I had to pay that amount and would not take a lesser amount. I told them I could not pay {$400.00} a month but was threatenedd court procedure if I did n't pay it and give them a debit card. I have been paying them that amount monthly but have tried to get someone on the phone to see if we can get the amount lowered. I am having trouble trying to keep up with all my other bills as well. I only borrowed {$1000.00}. and they are trying to make me pay back {$3000.00}. This is NOT RIGHT. I have a elderly Mom I am trying to take care of as well and just need for them to realize that what they are doing is unfair practice. I do n't mind paying back the money I received, but 3 times that amount is just unfair. I hope you can help me resolve this and make these people act more like they need to and help people not threaten them. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The credit bureau has illegally added a late payment for my closed XXXX XXXX credit card that was paid over two years ago. The account number is # XXXX and this account should not be reporting any new activity, it has been paid and closed. I am attaching a screenshot from an XX/XX/XXXX credit report and a recent XX/XX/XXXX report I got from my mortgage broker. As you can see in the screenshot I highlighted, the credit bureau added a 90+ late payment date of XXXX for my XXXX XXXX account. This is impossible since the date of last activity for the account was XX/XX/XXXX and it is a closed account. Under the Fair Credit Reporting Act Section 605 ( c ), it is a violation for a creditor and credit bureau to try and " re-age '' an account by updating the date of last activity. I need this XXXX 90+ late payment to be deleted immediately as it is inaccurate and incorrect reporting.

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 11/15/2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX 2017, I received an alert from my credit bureau that a collection account had been added to my credit report. The collection account was from Stellar Recovery, XXXX XXXX XXXX, XXXX, FL XXXX. The collection amount was {$1300.00}. The original creditor was XXXX XXXX. I have no idea where this account came from. I have not lived in an area even serviced by XXXX XXXX for almost 10 years. I request that Stellar Recovery immediately remove this incorrect account from my credit report. If they have any written proof of the debt, I request that they provide this to me asap. I have not had an account for at least 10 or 11 years. I request that someone look into the collection practices of XXXX XXXX, as I have heard nothing but horror stories.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Mortgage (Other mortgage) with CORELOGIC INC (IL).
Issue: Application, originator, mortgage broker

Complaint: I have XXXX hard inquiries from Safe Rent ( XXXX XXXX XXXX ) within days, XXXX of which was unnecessary

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Money transfers (Domestic (US) money transfer) with AMERICAN EXPRESS COMPANY (IL).
Issue: Wrong amount charged or received

Complaint: My credit limit is {$11000.00}. I want balance transfer {$9700.00} from {$11000.00}. But my credit card company told me I can only {$5500.00} transfer from that. But why? This is not mentioned in cardmember agreement. Also I called XXXX times but they do not give me reasonable reason. I say what is meaning of agreement. They told me I can transfer only 50 % of credit line. But this never mention any where in cardmember agreement. Actually they offered 0 % balance transfer for 15 months. Please see attached cardholders aggreement.

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

Complaint: The XXXX XXXX debt on my consumer report is not my responsibility per my divorce decree SIGNED BY A JUDGE IN A COURT OF LAW. XXXX XXXX is financially responsible for any debt incurred including all debts related to XXXX XXXX and medical and 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 09/25/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MT).
Issue: Taking out the loan or lease

Complaint: Combine my wife and my income, the total is about {$XXXX}, yet the reason for denial is excessive obligations in relation to income. Your typical rubber stamp denial for minorities.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (I do not know) with Lyons, Doughty & Veldhuis, P.C. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: approximately a month and a half ago started receiving calls from a debt collection law firm for a person who i do not know..this went on everyday ... .it was a computer generated call ... .they have the nerve to tell me if this is not me i should not listen and hang up and call them ... .i believe this was total harassment on their part..also an invasion of my privacy and an unfair business practice. 
my time belongs to me ... if they want to find this person ... let them have a human find him ... not put this on innocent..excellent creditworthy people who have to be subjected to this unethical practice to make money .... 
they think they are winning, because ultimately the only way the calls will stop is when you call them ... ..i don't work for them..they aren't paying me. 
just think if all debt collection companies did this!!!???

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went through annualcreditreport.com and was only able to gain access to XXXX. Experian and XXXX did not provide reports. Both times connecting timed-out and then said I 'd have to try back in 12 months.

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 11-07-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Using a debit or ATM card

Complaint: Failure to address fraudulent charges and multiple false promises from customer support. On XXXX XXXX I became aware of multiple fraudulent charges on my debit card. I contacted Bank of America and, after spending over an hour on the phone was assured of that : all the charges would be removed by the next day ; the card had been shut down so no further charges were possible ; and I would receive a replacement card by XXXX XXXX. On XXXX XXXX I checked my account online and discovered that not only had none of the fraudulent charges been removed but several more had appeared. I called again, and after spending nearly XXXX hours on the phone ( including an escalation to the 'Customer Advocate Team ' ) the same promises were reiterated. On XXXX XXXX I discovered several more fraudulent charges ( XXXX of which were dated after the card was allegedly shut down. ) I called in yet again and, after an extended hold time, had to waste even more time arguing with a rep who claimed crediting back fraudulent charges takes 3 business days ( even though I had seen it done immediately the day before ) acknowledging that was false and processing the claim. Additionally, even though I had been repeatedly promised no further charges would post I was then told that was false and fraudulent charges which had previously been removed could repost at anytime. Additionally on XXXX XXXX I was promised that a replacement card would be sent out immediately for delivery no later than XXXX XXXX. When I did not receive it I had to waste still more time on the phone before being told it had not been sent for over 24 hours after I was told it would be and would n't be delivered until XXXX XXXX at the earliest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Vehicle loan or lease (Loan) with PNC Bank N.A. (NC).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint: On Friday, XX/XX/XXXX, I went to XXXX XXXX XXXX in XXXX, XXXX to test drive a XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ). The XXXX XXXX was listed on XXXX as a diesel vehicle, and XXXX XXXX XXXX salesman XXXX XXXX said, explicitly, that the vehicle was a diesel during the test drive. He pointed to the " XXXX XXXX '' badge on the exterior of the vehicle as he said this. After a test drive I opted to purchase the vehicle for {$23000.00}, using my XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) as a trade-in for {$12000.00} with financing covering the remaining {$11000.00} over a 48 month term. 

On Saturday, XX/XX/XXXX, I needed fuel for the first time in the XXXX XXXX. I opened the fuel cap and found out that the vehicle did not, in fact, have a diesel motor. Instead, it was a gasoline vehicle accepting 95 octane premium. After some research, I came to discover a common point of confusion in XXXX XXXX branding. " XXXX XXXX '' indicates direct injection technology, whereas " XXXX '' indicates diesel technology. I went back to XXXX XXXX XXXX and expressed my displeasure with being deceived. I asked them to unwind the deal and they refused. XXXX XXXX XXXX ownership and sales stopped returning my calls, and on XX/XX/XXXX, they opened a loan in my name via PNC Bank. I contacted PNC after receiving the loan paperwork and explained to them that I believed the sale of the vehicle was facilitated by false advertisement and outright lies during the test drive, and was therefore fraudulent. PNC refused to the remove the account saying that this was a civil matter between me and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation