milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/27/2016 about Bank account or service (Checking account) with PNC Bank N.A. (GA).
Issue: Problems caused by my funds being low

Complaint: I already have a file opened. File # XXXX. I am submitting new information and a new complaint. In regards to my first complaints with PNC Bank adding fees on tops of fees, they added {$7.00} a day that money was not in the account on top of the NSF fee ... when the bank received my complaint, a gentleman from the bank contacted me and stated he would look into my account and that he would call me back. Well XXXX week later, I was calling the bank to check on the status of my complaint to see why I could not log into my account with my phone app only to find out that they closed my account. They did a credit of all but {$74.00} and charged my account off with no phone call and no notification. They did not tell me they were charging my account off in which they should not have done that and it was not even enough time that have gone by for them to charge my account off. I want my account back opened. This is bad business on their part and poor customer service!

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I was not notified of a change in my mortgage amount to increase the escrow balance. I did not receive an answer to my email when I enquired why the on line amount for my mortgage due had changed. I never received any written notification that my mortgage had changed. So because on line info is often slow to correct, I ignored it for XX/XX/XXXX and paid my normal mortgage amount. When my online statement showed an even greater balance due in XX/XX/XXXX, I called the bank, found out the error, and paid the difference owed. They did not inform me at that time that my previous mortgage payment was applied to principle, not credited as a mortgage payment so I remained delinquent even though I paid the amount owed. That was reported to the credit bureau because they do not record partial payments of mortgage payments that are more or less than the exact amount. So for three months, I did not know about the error, and did not correct it until a collection agency called in XX/XX/XXXX to collect my XX/XX/XXXX mortgage payment. I was able to correct it all with the bank but they would not change the report to the credit bureaus because they said it was my error. 

You can see on my banking statements that I paid {$1400.00}. to my mortgage account XXXX in XX/XX/XXXX, and XX/XX/XXXX, then {$70.00} extra in XX/XX/XXXX and the rest of the balance due of {$1600.00} to cover the difference between {$1400.00} and {$1500.00}. the XX/XX/XXXX partial payment went in as reduction in principle and when I paid the extra amount owed, no one told me it did not fulfill my p=mortgage payment for XX/XX/XXXX so that delinquency remained on my account and was reported to the credit bureau. All finance charges were reversed, and XXXX acknowledged never answering my email inquiries or sending me notification of the mortgage payment change. They said it is my responsibility to find out about changes and prevent partial payments.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I reached out to Navient a year ago for assistance with lowering my student loan monthly payments and I was directed to complete the details through StudentLoans.gov for consideration. I was approved for a lower payment of approximately {$70.00} per month of which I paid {$100.00} each month on time. My time for renewal (  XXXX  ) came and again followed the same steps outlined by Navient to go through StudentLoans.gov. I submitted all of the details requested and one question that was asked was " was there an increase in income '' of which I answered " No '' because my income situation has not increased. I was approved for for income driven repayment, but my monthly amount has increased from {$70.00} to over {$220.00} of which I can not pay and is putting me in default. I need help to bring the monthly amount due down to something I can pay. I do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Mortgage (VA mortgage) with INTERCOASTAL MORTGAGE, LLC (VA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Good morning, Last month, I applied and received a mortgage from XXXX XXXX. Prior to apply, I asked Mr. XXXX XXXX over email, if XXXX XXXX sold mortgages to XXXX XXXX, XXXX XXXX or XXXX and he said no. I explained to Mr. XXXX that I do not wish to deal with this group based upon past performance and harassment from members of this group. I told Mr. XXXX that if they conducted business with this group, I would have to decline the mortgage. Mr. XXXX lied about his association with XXXX XXXX XXXX XXXX aka XXXX XXXX. This group steals from Veterans and falsifies credit reports. 

Today, I received a call from XXXX XXXX stating that my loan was transferred to XXXX XXXX and I discontinued the called. I am requesting a reversal of this transfer. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with Resurgent Capital Services L.P. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: resurgent capital services sent me only a summary of debt. I requested from them according to the FCRA section 609 the original documentation with my signature on it about the negative item which was reported on my credit report. They must delete this item by law.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Debt collection (Medical debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX   XXXX   XXXX  filed a civil suit against me to collect a medical debt for  XXXX  with 6 % interest from  XXXX / XXXX /  XXXX  . And the courts made a default judgment and put a warrant out. i was never contacted and made aware of this case. My rights to be made aware of judgments against me and to defend myself was viloated not to mention the emberassment that resulted from this. My right as a consumer were completely violated by this company and their lawyers  XXXX  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 non-monetary relief
Consumer complaint received 08-02-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have repeatedly requested documentation for this alleged debt from LVNV Funding, but they do not respond. I do not have any record of this debt, although LVNV shows it as being from a period where my ability to manage my finances was reduced due to illness. I have offered to pay the full {$430.00} just to have it removed from my credit report, but LVNV does not respond to my offer. I am attempting to purchase a home and this entry by LVNV significantly impacts my credit score and my mortgage search.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Consumer Loan (Vehicle loan) with UNIVERSAL ACCEPTANCE CORPORATION (NE) (TX).
Issue: Managing the loan or lease

Complaint: During the loan period on a vehicle I purchased from XXXX of XXXX XXXX, XXXX ; I was making scheduled payments on time with auto-pay through a debit card recommended by Social Security Administration. At one point in the payment period of the loan the finance company ( Universal Acceptance Corporation of XXXX XXXX ) attempted to withdraw two payments for the same month without success. They called about every other day demanding I pay the extra payment. When I refused to do that they repossessed the vehicle and charged me X amount of dollars in penalties and unpaid loan amount after the vehicle was sold by them and when that was not paid, reported the account to the credit bureaus with erroneous/incorrect payment history information which had an even more negative influence on my credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief