milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2017 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (NY).
Issue: Credit decision / Underwriting

Complaint: To whom it may concern, My complaint is that Chase is doing everything possible from preventing me from accessing my Home Equity Line of Credit that I paid for and instead is trying me to sell new products with new fees and close to double the interest rates. 

I have a property in XXXX, XXXX XXXX XXXX and in XXXX I took a Home Equity Line of Credit with Chase. In XXXX my credit line was frozen during the big recession because Chase feared that my property value had gone down. It may have been true back then, but XXXX property prices have rebounded and Chase still has my HELOC locked. They told me they have no data to prove that my property has the same value that it has in XXXX, which is untrue as prices in all XXXX are way above XXXX. They told me that I needed to pay for an appraisal. Which I think currently is an excuse from having me accessing my equity and for forcing me to buy new more expensive financial products. As a XXXX bank, Chase is well aware that property values in XXXX have gone up from XXXX. I was also told that I will not be able to take money out from this account after XXXX XXXX because that is when I need to start paying it back, in this I agree. 

Fearing the uncertainty of our country faces at this moments. I want to take out the XXXX dollars that are frozen. I caved and paid for the appraiser which prove that my property value has gone up 40 % since XXXX, from XXXX in XXXX to {$910000.00} in XXXX. I called Chase again, and now they are telling me that my credit line will freeze next week ( not in XXXX ), and that I need to send the papers via fax, that they may take over 2 week to review, and then send me their response via snail mail. All to go over the appraisal that states the obvious, that my property value is equal or greater from what it was in XXXX XXXX. 

In my conversation with Chase I stated the time problem and they recommended refinancing, which entails me paying more fees and changing my current 2.75 % variable interest rate for a 4.5 % variable interest rate. That I could start doing immediately, via the phone not via fax. 

Thank you for the understanding, XXXX XXXX XXXXXXXXXXXX Chase-HELOC Phone : XXXX Chase-HELOC-Fax : XXXX My Chase HELOC Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: There is a hard inquiry on my credit report from XXXX, which I never authorized. Something recently showed up on my credit report which I am not aware off. I heard from others that they are having the same issue regarding the XXXX hard inquiry on their report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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 filed a dispute with  XXXX , Transunion, and  XXXX  in reference to the bankruptcy reporting inaccurately on my credit report. They stated that it was reported by the  XXXX  bankruptcy court. I sent a letter to the  XXXX  Bankruptcy court on   XXXX   XXXX   XXXX     and they sent me a letter back stating that the  XXXX  Bankruptcy court does not report to the credit bureaus, and therefore they have no control over the information contained in my report and that I may want to work with the bureaus directly. I Then sent a letter to  XXXX  Transunion, and   XXXX    on   XXXX   advising of the letter that I received from the courthouse and they sent me a letter back stating that this has already been disputed and they will not reinvestigate and I will need to contact the courthouse. I have contacted the courthouse and provided  XXXX , Transunion, and   XXXX   with the information that was given to me and they fail to reinvestigate. It is my understanding that reporting false information is a violation of the Fair Credit Reporting Act, and by them claiming that they received the information from the court, when they did not is a complete violation and that means that false information is being reported on my credit report for the Bankruptcy and  XXXX   XXXX . The tax lien is showing that the courthouse is the furnisher of that when clearly they are not. I called the courthouse for the information pertaining to the  XXXX   XXXX  and they told me the same thing.

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 12-06-2015 about Credit card () with PNC Bank N.A. (GA).
Issue: APR or interest rate

Complaint: I was offered the PNC Cashbuilder card in a local branch with 0 % interest for 12 months. It was discussed that it so-uld be a good tool to aid me in paying for my upcoming move. I signed up for the card and carried a balance each month. Each month I was not charged interest as expected. Until last month, where I was charged {$20.00} in interest. I contacted PNC and the placed my issue through their escalations department. They ( XXXX ) requested that I show them the paperwork I have. Upon looking at the summary I discovered that it appeared I had been deceived and that the 0 % interest applied only to balance transfers. I explained the issue and my dissatisfaction with being tricked after 8 years of being a customer. XXXX clearly had no concern, and told me there was nothing to be done. I asked if I could close the card, and she obliged and let me know if an {$18.00} credit that would remain and be mailed to me as a check. This credit was NOT a reimbursement of the interest charge, she told me they would not credit the wrongful interest charge. I requested the account closed. Immediately after returning home from work that day I dug deeper into my statements and discovered the lack of prior interest charges despite carrying a balance which suggests that it was a no interest card. I also discovered that I had not been credited the {$120.00} in rewards that I had submitted weeks prior to this event. I immediately called XXXX back and left a message asking her to call me. After not hearing from her that day I emailed her the following day along with XXXX more voicemails on her direct line. It seems I am being taken once again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This was an unauthorized credit pull. I did not want their Credit card. 
XXXX XXXX in XXXX, MN pulled my credit report and caused a hard pull. I did not authorize them for a credit card pull. I was trying to get signed up for just a XXXX XXXX Rewards card. Please remove this inquiry 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 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: experian, XXXX and XXXX showing inaccurate inquires now they wont let me check my credit online to fix these issues

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Hi, One more than one occasion, Navient has offered to lower my interest rate ( my rates for my private loans are : 5.9 %, 6.1 %, 9.8 % ). They do this over the phone, asking questions about my salary and bills I pay each month. Each time, I go through the entire process ( at least 5 minutes of questions ) and am denied. I can not afford my monthly payments, I have been on interest only payments for 7 years.

I do not understand the process they choose to lower interest rates. I have never missed a payment and have a perfect credit score. 

Just by knowing they offer lower rates, I do not understand why they wo n't lower mine. I find my interest rates REDICOULSY high and would like to renegotiate. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMW Financial Services NA, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: BMW Financial reported my account 30 days late to XXXX XXXX  XXXX for the month of XXXX XXXX. The payment was dueXX/XX/XXXX and was paid by me onXX/XX/XXXX, thus it was NOT 30 days late. This is the date the payment shows as being made on my receipt from BMW and this is the date the actual funds were deducted from my bank account as I have it set-up as a debit payment. 
BMW Financial has been nothing but a problem to me and my family. My husband was hit by a vehicle in XX/XX/XXXXand the motorcycle we had financed with BMW was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now BMW has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customer and the research I 've done them affirms this as they have a " F '' rating with the BBB.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Deposits and withdrawals

Complaint: In XX/XX/XXXX my checking account at Bank Of America was closed due to XXXX checks that were cashed against my account by me in the same day. I cashed those checks for a friend that was in need of a favor. When i was notified the checks bounced in full surprise i paid back the bank the next day in full. I paid it back so fast the bank did not get a chance to even close the account yet. My friend did not realize that his mother 's account that he had permission to write checks off of winded up closing the night before. Please help me i am now XXXX and i am trying to start my life and i ca n't due to this minor setback as a XXXX just trying to help out a friend in a positive manner. I tried contacting Bank of America XXXX times and received the same response each time " there is nothing we can do other then tell you to file a dispute ''. I wrote a letter to them pleading my case and XXXX days later i got a response saying they were not going to remove the negative information from early warning services and with basically no reason why. Please help me I do n't know what else to do I have tried everything in my power, I need your help!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: My husband died in XX/XX/XXXX and I was making the house payments but, fell behind because I had to fix the the house. I have been trying for 2 years to talk to the bank but, they keep saying that I am not on the mortgage. I sent them a copy of the mortgage that, shows my name and it took them months to acknowledge. Then they took me to court and said, my dead husband filed for bankruptcy and gave up the house and got a judgement and the house now has a sale date. I applied for a modification and they keep sending letter I did not send documents and when I call they find them. Now they want me to start the who process again, when I have submitted all the documents. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: We filed a bankruptcy over 15 years ago, and a XXXX XXXX card was included with this bankruptcy. We had other accounts with them that were paid off and we closed out. In XX/XX/XXXX ( XXXX ) they sent us a letter for collections purpose, I sent them a Drop Dead Letter soon thereafter, we had never heard from them until today XXXX ( Portfolio Recovery ) Statue of limitations in Ohio is six years! We thought this matter was resolved, but now the phone calls have started. We want this resolved, since the bankruptcy is gone from our credit records, we do n't have any copies of our filling. Want to know what we can do to stop these calls and threats to pay!

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit reporting () with UNITED SERVICES AUTOMOBILE ASSOCIATION (TN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: USAA XXXX account still reflects XXXX late payments and XXXX unauthorized hard inquiry 's. This was said to be removed from my report. Nothing I seem to do will remedy the impact this still holds for my still developing credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I 've submitted request for modification with financials to Bank Of America Since XXXX 2016 several times. My husband had XXXX XXXX and we got behind on all of our bills, while he was off from work for 6 months. Bank Of America has given us the run a round. We want to keep our house.

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 03-07-2017 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have been at arms with Experian for the better part of three months regarding the removal of a fraudulent/incorrect item from XXXX. I sent all XXXX credit bureaus the same evidence and the other XXXX removed the issue without any further hassle. When I contacted Experian regarding this in XX/XX/2017, I was instructed by a representative that they were going to remove the item without anything else needed on my end and that the process would take 3-5 business days. 7 business days later, I contact again to find this was a misrepresentation and that they did not remove the item. I requested contact by a supervisor and for them to report my issue as a formal oral complaint. To this date, I have never received acknowledgment of my complaint nor did I receive a call from a supervisor. I continue to be misled and completely lied to by this organization and they continue to hold my credit hostage by not accepting the evidence from the XXXX XXXX. I request formal contact and swift remediation of this issue including removal of this fraudulent negative item. I have included the letter from XXXX XXXX specifically absolving me of any type credit issue.

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 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX XXXX experian and XXXX the have the police report they are in violation of cra

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 03/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PAYPAL HOLDINGS INC. (NJ).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: XXXX ( XXXX ) has been attempting to collect XXXX USD on behalf of PayPal Inc. since I received a notice on XX/XX/2017. The notice I received from XXXX was back-dated 59 days prior to my receiving it, to XX/XX/2017. The notice from XXXX stated that it was my right to dispute this debt by writing within 30 days of receiving it. 

The same day, XX/XX/2017, I wrote to XXXX, ( 1 ) disputing the debt claimed in the notice, ( 2 ) informing them that the debt was not mine and the result of identity theft documented with the creditor PayPal ( emails attached showing PayPal notifying me of the debt and my contacting them that the activity was fraudulent ), ( 3 ) demanding they XXXX cease communication with me or anyone connected to me by phone or any address other than my home address, and ( 4 ) demanding that XXXX only contact me by certified mail and only with the requested debt and creditor verification to which I am entitled. 

This letter was mailed to XXXX at the correspondence address listed on the notice at approximately XXXX the following morning, XX/XX/2017, as shown by XXXX. According to XXXX, the letter was " Delivered, left with individual, '' at XXXX on Monday, XX/XX/2017. 

On Tuesday, XX/XX/2017, at XXXX, I received a call and voicemail from XXXX. from XXXX +XXXX. Her voicemail said, " This is an important message for XXXX. This is XXXX. from XXXX. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. Please return this call today at XXXX. When calling back, use reference number XXXX. '' Not only has XXXX continued to attempt the collection of a debt resulting from the theft of my identity, but they failed to provide notice of my right to dispute the debt they are attempting to collect, they have tried to contact a third party despite my clear request not to, and they are continuing to contact me in an attempt to collect after they received my clearly written demand to cease communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2015 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I closed an XXXX account after XXXX XXXX XXXX over-charged my account for the 6 months that I had the account open. Every month I asked about the account XXXX XXXX XXXX said I would receive a refund the following month but I never did. I paid in full and closed the XXXX XXXX XXXX account, and opened a new account with a local ISP. 3 Months later XXXX XXXX XXXX sent my account to collections for XXXX additional months of service after I closed the account. I told them I closed the account, but they said they could n't do anything because it was already in collection. I could n't access my XXXX XXXX XXXX account and they would n't send me the bills. The account hit my credit reports in XX/XX/XXXX. In XXXX I successfully disputed the account with the credit reporting agencies. In XX/XX/XXXX another collection company posted the same collection account from XXXX XXXX XXXX in XX/XX/XXXX. I never new about this until XX/XX/XXXX, when I started the house buying process. Now in order to get a mortgage I need the account to be re-removed. I have started the dispute process with all XXXX credit reporting agencies, and XXXX has removed the account, but I have n't heard from the other XXXX. Are new collection companies allowed to re-post an old disputed collection again? Can you please help me so I can purchase a new home? I have never even had so much as a late payment on account before.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My husband got hurt at work 3 years ago. We have had a hard time keeping up with payments. I have started to work to help out but our payments are behind. We dont dispute that we are doing the best we can and are almost back up to date on payments. The problem is that they will call us XXXX times a day when they know we are at work and not able to answer or phones. When we do answer the phone they are always rude and telling us how what we are doing is not good enough and we just need to move out. We have been told many time that they are about to forclose and they leave this on my husbands voice mail after we told them he didnt have that number any more in hopes to cut down the calls to his number. It has got to the point that we dont want to answer the phone at all to talk with them just to be told we are not good enough and that sending our whole paychecks in to them isnt good enough. The company is Ditech. If there is something that can be done please help us. We are at our wits end with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2015 about Mortgage (FHA mortgage) with CITIBANK, N.A. (IN).
Issue: Loan modification,collection,foreclosure

Complaint: where to begin with citimortgage home mortgage. first in 2012 i recieved a phone call from a citi employee that left me a voice mail an called me a XXXX. i kept that voicemaile up until this year. then we were doing what we thought was a harp refinance but citi called it hamp. we had to pay XXXX dollars to start this.plus we were never told through the whole 9 months of this hamp refi that they were reporting to the credit bureaus missed payments for 11 months which killed our credit. ive been through heck with this company for years i cant get away from them for all the credit damage they did.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation