milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-01-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (LA).
Issue: Making/receiving payments, sending money

Complaint: Chase Bank did a revamp of their online banking website. It is dysfunctional. I went online to pay my bills and was shocked to find the new site and some sections not operational. My Bill Pay was completed XXXX up. I complained in several emails. The site looks like an app not a banking site. I told them XXXX XXXX XXXX did a better job. I complained bitterly. I told them I was walking out the door to find another bank. They escalated this email to Homeland Security. How do I know? I received a phone call immediately thereafter from XXXX XXXX. I did not answer the call. My cell phone was hacked and inoperational. My computers also show evidence. So, we can no longer complain, correct? About anything. If we do, we are turned over as threats, punishment by the institutions we use.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Debt collection (Payday loan) with NAM National Arbitration and Mediation (CO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I received a voice mail on my work line, from a woman named XXXX. She said she was with a arbitration group. She said it was regarding a bad check and with the intent to commit fraud. She also stated the last four of my social security number in the voice mail. She stated my salary was going to be garnished or my drivers license was going to be suspended. My daugher then called and said they left the same voice message on her phone. I called the number left. I spoke to XXXX and she stated it was with XXXX XXXX XXXX. I told her I was in the process of filing bankruptcy but she said it did n't matter if it has n't gone to court yet.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (CA).
Issue: Struggling to pay mortgage

Complaint: PNC MORTGAGE letter dated XX/XX/XXXX stated : Between XX/XX/XXXX and XX/XX/XXXX, In fact, the Borrower did remove personal items on several occasions. 
This is not the Truth with intention, cause Harm to the HomeOwner XXXX XXXX stating that the HomeOwner XXXX XXXX remove personal items, until now the HomeOwner XXXX XXXX is on the street without anything/nothing, struggling for life, suffering, agony in a death situations. The PNC Mortgage/XXXX XXXX  forclosing fiercely, lock-out the HomeOwner XXXX XXXX, put in jail, accussing demolishing the building/house, the mail box was disconnected, ruined the personal good name to the student that XXXX XXXX did not pay the house payment, ruined the business name to the school XXXX therefore the XXXX XXXX could not get the student anymore : business termination, credit score ruined can not get an apartment : living on the street, credit score ruined can not get a job : arrested record, forclosure record, multiple bankruptcy record, the attorney accusing bad faith, Defraud the XXXX XXXX, all of the above is attacking the HomeOwner who already built the house for retirement, get kick out/evicted on the street, the single old ill : XXXX XXXX the HomeOnwer XXXX XXXX XXXX situation on the street, the Attorney XXXX keep asking money for TILA Rescission to a Homeless XXXX XXXX.

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. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am included in the list of potential victims of the 2017 Equifax cybersecurity incident, which means intruders may have accessed my name, Social Security number, birth date, address, driver 's license numbers, and credit card numbers. Criminals took advantage of a U.S. website application vulnerability to gain access to certain files from mid-XXXX 2017 through XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: i contacted the company asking for verification as well as validation including my signature of a signed contract of this alleged debt. they sent back a bill which is no indication of evidence of my knowledge of this debt. i explained to them that i have been victimized by identity theft. they have yet to take action of any kind and its still reporting to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX HAS INCORRECT XXXX, IS A FRAUDULENT TRADELINE AND MUST DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: All XXXX accounts should have XXXX balance. Please update ASAP! 

1. XXXX XXXX XXXX, XXXX Balance {$45000.00} Reported XX/XX/2017 2. XXXX Balance {$140.00} Reported XX/XX/2017 3. XXXX Balance {$110.00} Reported XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX transferred the servicing of my mortgage loan to Shellpoint Mortgage Servicing, a division of New Penn Financial, LLC on XXXX XXXX, 2016. ( Exhibit A ) At that time, my mortgage was delinquent and XXXX XXXX XXXX had approved a six month forbearance on XXXX XXXX, 2016. ( Exhibit B ) Per statement balance from XXXX XXXX XXXX dated XXXX XXXX, 2016, my delinquent balance amount was {$6400.00}. ( Exhibit C ) On XXXX XXXX, 2016, I made a payment by check of {$3400.00} to a XXXX XXXX XXXX branch location in XXXX XXXX, Maryland. ( Exhibit D ) This should have taken my delinquent balance down to {$3000.00}. I received a mortgage statement from Shellpoint Mortgage with first payment due for XXXX XXXX, 2016 in the amount of {$1300.00}. ( Exhibit E ) I contacted Shellpoint Mortgage on XXXX XXXX, 2016 to notify them of a my payment that I made to XXXX XXXX XXXX. I spoke with XXXX XXXX XXXX, he informed me that my total past due amount is {$6400.00}. I told him I did n't understand why it is that much. He explained there is {$2500.00} of fees and charges accrued over the years of having the loan. He told me to email escalations. I sent an email to escalations on XXXX XXXX, 2016 ( Exhibit F ) and another email on XXXX XXXX, 2016. ( Exhibit G ) I received a letter dated XXXX XXXX, 2016 in response to my emails. This letter shows a balance of {$7800.00}. They state in the letter that {$2500.00} are corporate advances. ( Exhibit H ) I have a statement dated XXXX XXXX, 2016 with a past due balance of {$7800.00} ( Exhibit I ) and a statement dated XXXX XXXX, 2016 with a balance of {$4300.00}. ( Exhibit J ) I made a payment of {$1300.00} on XXXX XXXX, 2016 ( Exhibit K XXXX On XXXX XXXX, 2016, I called Shellpoint customer service and spoke with XXXX XXXX and XXXX XXXX, they stated my current balance due is {$6400.00}, delinquent for three payments. My monthly payment is {$1300.00}, which adds up to {$3900.00}. I do n't understand what is happening to my mortgage account. I fear that this transfer of mortgage servicing is going to cause me to lose my home due to errors in financial computing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On or around XXXX I discovered than XXXX XXXX Bank has the wrong date on file for my bankruptcy. The account is closed but my dates were not properly updated with the records they have it reported as being charged off XXXX of XXXX when it should be XXXX XXXX almost 10 ago and not 5 years ago. The XXXX XXXX account was the whole bankruptcy case. There is a serious and obvious error please delete this account from my report it is wrong.

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 04-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently pulled my credit report from Transunion and noticed the following accounts were listed on my reports as a collection/chargeoff. I immediately disputed this information with Transunion and the results of the investigation came back as " verified ''. I did not have an account with any of these companies during this time period. All of these companies incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. With XXXX continuing reporting this account as negative on my credit report it makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless these debts are immediately removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (Credit card) with Hatfield Portfolio Group LLC. (WI).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I received a phone call from ( XXXX ) XXXX and was told I owe money from an old creditor that I have not heard from in over 2 years and believe to be paid off. The person I spoke to did not seem very knowledgeable and there was a lot of loud noises in the background which made me suspicious. I have also had collection calls in the past and so I know from experience the person calling usually clarifies they are from a debt collection agency ; this was also not the case, which makes me suspious. This debt has not affected my credit score, and does not show up as a collections account. This person also did not ask me to verify any of my personal information like date of birth before giving me amounts due or other info. I have tried looking them up and do find a website but also the phone numbers and address information are different than what they are telling me. I do n't know if I should pay them or not? I have seen posts related to my original credit card company, XXXX, linked to scams online in the past. 
This company also has very old information for me including my maiden name from over 6 years ago and an old address.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CA).
Issue: Account opening, closing, or management

Complaint: Paypal closed my account with a {$1000.00} balance. They have said that they will take 180 days before I will receive my money back, which seems outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I opened an account on line and then received a call to call them about the application. When I called them the representative could not find the reference number. After transferring me twice and account representative said they could not determine what the issue was but my card was approved and in the mail. I received the card and immediately actived it online as instructed. I then received a call from there fraud unit saying the account was on hold. I again called and was told the account had been activated and I was good to go. I attempted to then use the card at  XXXX  and the transaction was declined. I used online chat to check the status and the agent said the card was on hold for frau d. Citi continue s to tell me the card is good and then declines my usage. I am going to cancel the card because it appea rs Citi is trying to  run a  XXXX  FICO score. I am a good paying consumer and it is clear  Citi has no regard for it 's consumers. This is poor treatment and it is clear Citi processes are  designed to force consumers to call them to cross sell products and waste your time. I have other  XXXX  accounts so they already know me as a customer. I want others to know they should avoid using Citi!!

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 02-09-2018 about Debt collection (Medical debt) with HOVG, LLC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My complaint is against XXXX XXXX XXXX XXXX in the amount of {$1400.00}. This debt has not been validated as I have asked before. I need validation of this medical bill, they are not the original owners of the debt. I will not take verification. I also had XXXX so the debt need to be submitted correctly for XXXX can pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (OH).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: My school was shut down ( XXXX ) and credits are not transferable. I do not feel that I should have to pay loans for schooling that I can not use. I did not finish the program and would have to start all over losing all of my credits. I contacted the loan comany and was told that they could not help me with discharging my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with STERLING INFOSYSTEMS INC (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Around XX/XX/XXXX I authorized XXXX XXXX XXXX to perform a background check. After about a week I found out that they faxed my information to a public fax machine in a library including my SSN, address history, and DOB. Further I also found out that this company shares this information with their overseas employees. The fact that they fax this information for employment verification is appalling, any employer already has this information and should not need it to verify my employment with them. Also the fact that an entire team in XXXX has access to my personal information is very scary, there are no regulations there and US citizens have no recourse if data is breached in XXXX. American information needs to stay in America!  This needs to stop! I suggest you investigate the actions of this company very thoroughly.

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 03/19/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My daughter 's father passe away and XXXX of her Well 's Fargo Loans went into default. There is also XXXX that is current that I am making payments on and trying to get it re-financed away from her co-signer that is her XXXX XXXX. I filled out an application and have great credit, own a home and have a substantial salary! I did have fraud on my credit and emailed a police report disputing any negative issues. After having the XXXX application with my daughter turned down, I submitted XXXX in my name only and had that turned down too!!!!! I do n't understand what is going on and am very upset dealing with them! I want to bring all of the private loans current and feel that they are preventing me from being a credit worthy borrower and need to complete this complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (MI).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Good afternoon, I logged onto my PNC Bank account on  X/X/2017    and realized that I was going to be overdrawn. I deposited enough money, plus extra, to cover the items that were causing my account to be overdrawn that were charged to my account well within the deposit cut-off time for that business day. This morning,   XXXX  , I noticed I had  4  overdraft fees. Upon calling the bank I learned that even though I had made the deposit on  X/X/2017   , they only make {$100.00} of that deposit available to me to use, they hold the rest for  1 bu siness day  ( no matter how big the deposit is ),  in this case the total deposit was for {$330.00}. I had not known that, the last time I spoke to a representative, they told me I just had to have my deposit in by  XXXX  that same day in order to avoid fees.  <P/> So even with that being the case of {$100.00} being available to me I only should have been charged for  2  overdraft fees. When I received my overdraft detail statement it shows that they deducted in order of time payments came into their system for my debit card purchases ( not smallest to largest ) and then for my remaining  4  auto-deduct items that all came from the same vendor at the exact same time they took largest to smallest causing me to get overdraft fees for all  4 ite ms  (  including a {$23.00} item and a {$36.00} item ) instead of just the  2 l argest fees.  <P/> This is a horrible business practice. I am the sole supporter for a family of  XXXX  working on a VERY tight budget. It is not right that I had made the deposit in time to cover negative items, but due to their hold policy and them posting by time and then largest to smallest I was charged {$140.00} in overdraft fees. They did not make this known to me at the time I opened my account. I feel as if these business practices are solely in place to cause consumers to incur more overdraft fees. Additionally, I learned that it is their practice to use pending debits to decide overdraft as well, not just posted items. So, if they can use pending debits to decide overdraft, why can they not use pending deposits? My account statement online shows that once every single transaction posted on  X/X/2017    I was positive, not overdrawn, but because they did not technically really " post '' my full deposit I was overdrawn in their " behind-the-scenes '' system.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is an account listed which is not verifiable and outdated XXXX past the statue. I have disputed several times and verification requested and no resolving. Please help with this XXXX XXXX account listed # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Essentially when I left school at the XXXX, I was left with the burden of very large student loans. Half of these loans are serviced by XXXX XXXX ( now Navient ). When I first applied for these loans they made these loans seem like cake and rainbows and that nothing was better. They offered me what they call XXXX, which are anything but 'smart '. They have been unwilling to work with me to come to a reasonable payment option for these loans, and as such I can not possibly make the payments required currently for these loans which puts me and my cosigner at great risk. When talking on the phone with them they seem to everyone just has money growing from a tree in their front yards. I have attempted now to find a solution to lowering my payments in any fashion as I have exhausted all of the forbearance limits they have in place. They have not been willing to work with me and I now risk defaulting on these loans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have contacted Transunion about a fraudulent dismissed bankruptcy on my credit report. They are the sole reporter of it and when I contacted the origination court they do not have a record of it. I never filed for bankruptcy, I have no history of bankruptcy and transunion will not verify this outside of the flawed  XXXX  system that spits it onto the page as verified.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is being sold by Mortgage Service Center of HSBC to XXXX of XXXX. I looked for info about XXXX on the internet and found many complaints and negative articles including actions by the State of XXXX. I do not want to do business with this company ; however, my mortgage is at a good rate and I do not wish to refinance. What action can I take

Company response to consumer: Closed with explanation