milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (IL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: The acc ount with PNC is completely inaccurate. I do not owe PNC bank this monetary charge off amount.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I was a customer of  XXXX   XXXX  in the year of  XXXX . I graduated in  XXXX  and was given 6 months before I had to start making payments. I made payments on time every single month, then a major lay off occurred at the  XXXX   XXXX  I was working at at the time. I called  XXXX   XXXX  which directed me to  XXXX  , which I was unaware of and confused. I spoke with them and they told me there was only one option to stop payment for only 3 months and that was to pay three months ahead. I had a co-signer and could not let the paym ent go in default. In turn, I had to borrow money for borrowed money to attend school during our struggling economy. I have now paid this back, however, I feel I was cheated and finally I see the company is being sued and I would like to speak up for others and say I was a victim of their crime in why they are being sued. It was wrong and made a long struggle when most student loans will make arrangements to help less burden the students when getting on their feet.     Also, I do have proper documentation to prove this to be true if in the case it is needed.   Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Debt collection (I do not know) with H. Kent Hollins, Attorney at Law, P.A (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: original debt was XX/XX/XXXX in the state of XXXX. It was filed in XXXX by H. Kent Hollins. Law Firm. H Kent Hollins # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX address : XXXXXXXXXXXX ( XXXX XXXX XXXX ( Local no. ) ( XXXX ) XXXX ( toll Free no. ) It 's over 15 years old and they are trying to collect from me. They garnished my bank account with XXXX XXXX XXXX in XX/XX/XXXX of this year and I had to contact the XXXX XXXX XXXX XXXX order processing. XXXX XXXX XXXX XXXX XXXX XXXX and the Legal Levy Department Regarding to Reference # XXXX. I did file another complaint with your agency before and I though this matter was taken care of and the bank was able to remove the restriction and restore my account. H. Kent Hollins, sent me by mail a form regarding to the debt. And then filed another garnishment against my account on XX/XX/XXXX. The bank is informing me that even though this is fraudulent, they are under the order of the collection agency, until this matter is resolved. This collection agency is very aggressive and they are not conducting their services in professional manner by refiling again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Debt collection (I do not know) with The CBE Group, Inc. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Whomever CBE Group is trying to reach does not belong to the number they are calling. CBE Group calls the house several times a day. When I answer the call, they hang up without saying a word. Whomever they are trying to reach does not have this phone number or live at this address. If they do n't stop calling I will have to take further action.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Alleged fraud, Bank of America claimed a permanent credit of {$1800.00} was added to our account for our use that Bank of America knew was not actually available and supported that claim with false information to cause us to use the funds to the advantage of Bank of America. Funds were not available, just a temporary fake number which was removed after use. Multiple proof in hard copy from Bank of America. fraud -intentional perversion of truth in order to induce another to part with something of value or to surrender a legal right ) - fraud -intentional perversion of truth ( claiming {$1800.00} was available in my account and the merchant had been contacted, neither was true ) in order to induce another to part with something of value or to surrender a legal right ( to falsely indicate {$1800.00} was immediately available to use on the BOA credit card ). Considerable documentation and proof in hard copy. Multiple false claims by Bank of America on available funds that were never there.

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 04/18/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I noticed that on my credit report there were accounts reading as " in-dispute ''. While I did ask for more information I never said I disputed the information they sent.

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 11/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I called Amsher XXXX Collection on XXXX/XXXX/2016 and made a settlement of {$390.00}. I called back on XXXX/XXXX/2016 because XXXX needs more information on my account in order for them to release and unlock my phone as I was promised by XXXX XXXX XXXX as per our conversation recorded for security purposes. Now I am being charged {$98.00} as per XXXX different collectors ( recorded calls remember ) attend my call they had my XXXX up giving me the run around finally after XXXX of giving me the run around finally XXXX XXXX Production Supervisor comes on the phone trying to justify with words defying and being nice but rude towards me she would n't even let me talk to the CEO of the company. I ask for his name it was denied over the phone so I skipped traced and found it, I would love for if you can hear it too. What a professional company??? it looks like it should be for clowns.

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 Bank account or service (Checking account) with WELLS FARGO & COMPANY (IL).
Issue: Account opening, closing, or management

Complaint: As described in Wells Fargo ( WF ) web site, as a customer I can see the statement for 9 years back, and other services that are important to me. However when I tried to see XXXX checks ( XXXX, XXXX, XXXX ) emitted in XXXX XXXX I was told that the rule of nine calendar years does not apply to the whole calendar year as long as the bank uses a rolling calendar. So, because my request was done in XXXX XXXX the checks are not any more kept. Thus, the information from WF web site is overstated and misleading ; in other words they do not disclose what exactly and how the bank does its business. I do understand that : i ) is not for me to decide how the bank does its business, but it is my right to be clearly informed what I can do in relation with my statements and ii ) is the bank responsibility not to mislead the customers.

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 09-09-2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (PA).
Issue: Taking out the loan or lease

Complaint: I recently went to a Wells Fargo Bank located at XXXX XXXX XXXX to apply for a personal loan to pay off another loan that has a high interest rate. I went there because that is where my mortgage is held. I talked to a XXXX XXXX. She asked me what my credit score was. I told her it was XXXX to which she said the loan should not be a problem with that score. I filled out the loan application on the spot. After I was done with that, she started to pressure me into opening a checking account. At first I refused and told her if the loan goes through, I will consider opening XXXX. She continued to tell me all the advantages of having the checking account and she could open on the spot. She assured me that if I did or did n't, it would not have any effect on my loan request. I finally agreed to open XXXX and deposited {$30.00} into the account. Not long after I got home, I received a call telling me my loan was not approved. I finally figured out what was going on. XXXX XXXX was not interested in getting me a loan, but instead her interests were getting a commission for selling me a new account. This was solidified when I heard the news last evening. This bank has done numerous illegal and fraudulent things in the past. I now feel I was a victim of their latest actions. I did reach out to the management who assured they would investigate the reason for denying the loan. I was never contacted by phone, only by a unsigned letter from 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 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: i recently check my credit report and saw my XXXX credit card ending in XXXX has been reporting past due look at the information ACCOUNT DETAILS I HAVE NOT BEEN RECEIVING MY STATEMENTS BY MAIL FOR MY XXXX XXXX AND XXXX XXXX Account Name XXXX Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XXXX XXXX, XXXX Account Status Open Payment Status Past due 30 days two times Status Updated XXXX XXXX, XXXX Balance {$6000.00} Balance Updated XXXX XXXX, XXXX Credit Limit {$6500.00} Monthly Payment {$90.00} Past Due Amount {$180.00} Highest Balance {$6500.00} Terms Revolving Responsibility Individual Your Statement - Comments Account in dispute-reported by subscriber Our Top Pick for you. 


The Platinum Card from XXXX XXXX Apply Now Learn More See More Credit Cards Advertiser Disclosure Is everything correct? 

Be sure to review your Credit Report for any unfamiliar information. If you find inaccurate information, you can either dispute the information online or via postal mail. 

View Our Disputes Guide CREDIT USAGE 93 % High Credit Usage Keeping your account balances as low as possible can have a positive impact on your credit. 
CONTACT INFORMATION XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX BYMAILONLY PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX OK XXXX OK XXXX OK XXXX XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX XXXX XXXX OK XXXX OK 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 01/25/2017 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a legal dispute with America 's Servicing Company and received a judgment against them, in my favor. The company is still reporting missing payments even though the legal, federal judgement prohibits them from doing so. This needs to be corrected on both my XXXX and XXXX accounts.

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 06-07-2016 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Reverse mortgage solutions had my parents sign a mortgage they were not capable of signing in XXXX and also never provided and allowed them by law to take the mandatory XXXX seminar for reverse mortgages before signing paperwork not allowing them the opportunity to insure their mortgage. Also a banker went to their home after they had XXXX just recently been hospitalized from surgeries and had then sign paperwork while under the influence of heavy marcotics from their doctors and my father was not able to read and write and he was just told to sign anyway. My father told me before his passing he did t understand what the reverse mortgage was and what was going on and how my mother and father would have never signed it if they had understood what it was.they have refused sinc XXXX XXXX to provide me paperwork, to speak with me about reconstructing this illegal mortgage and refuse to provide all documentation my mother and father have signed. I have been refused and they respond with either silence or a crazy answer having nothing to do with what I requested dozens of times. They are purposely threatening and using intimidation tactics on behalf of their legal tepresentative who feels it is legal to add {$1200.00} weekly and sometimes twice a week to my parents reverse mortgage and call it corporate advances and refuse to give me any break downs of the " corporate advances ". 
They have also sold this low. After XXXX of my parents passed. 
They continue to do illegal things.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: When attempting to submit a dispute by clicking on Experian 's Icon start a dispute online, I was directed to a page " Page not found '' https : //www.experian.com/XXXX https : //www.experian.comXXXX XXXX  Therefore Experian is blocking my ability to file a dispute with them.

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 10/27/2017 about Credit card or prepaid card (Store credit card) with Genesis Lending (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have a XXXX XXXX XXXX. I only owe {$360.00} with {$6000.00} credit limit. I make the payment every month in XXXX XXXX in the Mall. Today I came in to make my payment. I was told my card was invalid and they could n't make the payment. They said the credit account was transferred to XXXX XXXX. I was transferred to them and they no idea who I was. I called XXXX back and they have no idea who has my card and who I make the payment to. I am almost sure this is illegal and I am trapped on who to make the payment to and it is due in 5 days.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: We filed a dispute with Equifax on XXXX/XXXX/16. The site still lists the investigation as pending and it has been longer than 30 days. The other XXXX reporting agencies XXXX XXXX and XXXX XXXX have returned the information in a timely fashion. When we call to get information they try to sell us their credit monitoring service.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Since XXXX XXXX I have been diligently working to improve my credit scores. 

On XXXX XXXX, XXXX my Experian score improved from Good XXXX to, on XXXX XXXX, XXXX, Very Good XXXX. 
On XXXX XXXX, XXXX my score dropped to XXXX, a 91-point drop. 

I called Experian Membership and they explained that the computer 's algorithm somehow went back and was trying to calculate a " Settled '' account from XXXX XXXX. 

I was told to screen-shot the two scores and the problem would be submitted to the technicians and resolved. THIS ENTIRE EVENT WAS A FOUR-HOUR PHONE CALL. 

The e-mail address I was given was invalid. 

I called the next day and spoke with a supervisor in Membership who promptly apologized for the rep telling me about the algorithm problem with the computer. 

I then asked the supervisor whether he could explain to me the drastic drop in my score and why there was a Late Payment now appearing on my credit score that had not been there for four months previously.
He then proceed to look at my credit report and explained that I had a derogatory account on my credit report, which was the 4-year-old " Settled '' account.
That is why there was a drop in my score.
I then asked as to why it was not scored for the previous four years and within the month, XXXX, it was scored. 

The supervisor began to tell me that I should look at the Score Simulator that Experian offers to its members and it would give me the percentage that late payments are scored into all credit scores. 

I asked of what help that would be to me since I have had no late payments in the last year. 
He did not offer an explanation, so I asked him, " bottom line, can you tell me which creditor, lender, etc. reported a late payment? '' I would like to dispute the late payment with the creditor. 
His answer was, " No '' he could not tell me. 
I then proceeded to ask him how am I supposed to dispute a late payment if your agency can not tell me who reported it. 
Furthermore, how can you place a late payment on my report when you have not knowledge as to who reported it. 
He told me " He '' did not place it there and " He '' could not remove it.

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 09/17/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Credit line increase/decrease

Complaint: Capital One is charging me excessive fees and reporting late payments to XXXX.XXXX and XXXX. 
Capital One approves me XXXX credit cards but company denies me credit increase over {$700.00} and {$500.00}. 
Why approve me on another credit and gives me denial on credit increase. 
Is it to charge me high annual fees for both cards? Late fees are included also. 
I am on XXXX XXXX XXXX and Retired. 
I am a Military Veteran. 
Capital One practices needs to be regulated by Federal Government.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I opened an account with XXXX XXXXk via XXXX XXXX in XXXX XXXX, I contacted the lender in XXXX to verify if and when a bill would arrive. I offered to pay the bill in full and assumed this had been done until I received a letter from the debt collector. I called XXXX in an attempt to pay the bill they informed the debt had been charged off and sold to a debt collection service and they told me I would need to speak with the debt collector as it was no longer their responsibility. I then called the debt collect who then offered me to pay double the amount of the bill as a settlement and told me basically to take or leave it but either way I was going to have to pay. I asked if I could dispute the bill and was told no and that this was their only offer.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Application, originator, mortgage broker

Complaint: I have a high interest rate FHA loan on a double wide, which is now attached to a permanent foundation and has no DMV title anymore. I was told that my lender chase had to work with me on a Streamline FHA Refinance so I could get a lower interest rate, but they are refusing because was a double wide at one point. I have no options as I am upside quite a bit owing about {$100000.00} and the property value is far less than that so I ca n't do a traditional refinance, but I am getting XXXX by the payments and just want a lower interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Customer service / Customer relations

Complaint: I am an executive at XXXX and thankfully I 'm gainfully employed with an income exceeding $ 250k. My credit report was tranhshed due to late payments incurred for the months of XX/XX/2014-XX/XX/2014 on my Chase SouthWest credit card. The payments were missed due were missed by my due to an error that related to scheduled auto payments that I believed were setup with my bank. 
I also ended up travelling out of the country during this time, and was unaware of the issue of the missed payment. Ironically, Chase called me only once, at that time I was checking out through customs and being hurried and was not able to comprehend what the phone rep may have been saying. When I finally arrived back, I realized the delinquency on the chase account, after which I promptly made the account current. 

I had spoken to Chase 's customer service who had asked that I provide them with my bank statements from the time to prove I had sufficient funds to make the payment. I sent Chase statements from XXXX of my banks which showed my checking account balances were consistently over {$30000.00} during the period of the late payments. 

Much to my surprise Chase refused to remove the late payment, in spite of me providing them with the information they had requested.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: wells fargo bank is allowed a charge in my acct that iam not authorize i call the bank in XX/XX/2017 to see why is the charge for years in my acct that i need then to stop the charge i have a letter from wellsfargo that said the charge was stop the problem that they stop for 2 months only i have the same charge again ( HAP XXXX ) IAM SICK OF THAT ABUSE I TRY TO CALL the # XXXX and never answer only cumputers but said welcome to wells fargo so wells is making the charge in tha 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 monetary relief