milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/13/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (GA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I received fees on an account that I do n't use often. I was n't aware of the overdraft fees and as a result, I was charged an initial overdraft fee for the charges and then a {$7.00} fee everyday after that. The initial charge that caused the overdraft {$35.00}, but my balance with all the fees is {$230.00}. I have spoken to the bank and stated I would pay the initial charge as well as the overdraft fee and was told they were n't able to. I was also informed that if I did n't pay the fees, they would charge off the account and it would affect my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I have been a member of American Express since XXXX. I have always paid them on time, without any problems. However American Express put my wife on the account without our knowledge and that lead to more problems. My wife 's Identity was stolen and because my American Express Account was in her name too, these criminals had access to my American Express Account as well. After all these years, having the XXXX Card and The XXXX Card, they are treating me as a criminal and embarrassing me where I live. American Express called our neighbor, Mrs. XXXX XXXX at XXXX XXXX XXXX, XXXX, TX, XXXX at XXXX. This was so embarrassing, and against Federal Law. This is also a violation of my privacy. If American Express had not put my wife on my account without my knowledge or consent, I would n't be having this problem. Furthermore, I made arrangements to pay back American Express by paying them {$200.00} on the XXXX Card and {$200.00} on the XXXX card a month, but this is not acceptable, because their employees do not have the authority to do anything but harass customers. The F.B.I. has contacted them about my wife 's situation, but American Express chooses to ignore them and continue to harass me, and violate Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I am filing a complaint against Equifax for violating my rights under the FCRA. I have placed several fraud alerts under my account I have noticed several inquires and account pop up on my credit file and when I disputes those equifax indicated the debts were valid. I asked for proof of validation of debt with no response or verification from the debtor or Equifax. They are reporting inaccurate information. I am asking someone take a look into this as my rights are being voilated and information is being reported inaccurately. I also have disputed a account several times There is XXXX account with the same account number and same balance being reported multiple times under a different company name as the company changed their name/and or bought out. The company is XXXX XXXX their name was recently changed to XXXX XXXX. This account is listed under my credit as XXXX seperate accounts with a balance around {$750.00} as if I owe XXXX seperate companies and they are the same account. I have disputed this information several times and Equifax has done nothing. The account is still on there and is affecting my credit. Also there are multiple inquires that I keep disputing that are still on there I have even contacted the companies and they have indicated they do not have any information on viewing my credit nor do I have an account with any of these companies. Please review multiple violations from Equifax in their dealings with consumer disputes. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Debt collection (Mortgage) with KEYCORP (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My ex wife and I had a HLOC and a note on our lake property which I now live in since we are divorced. The court order mandates that I maintain payments on the debt which I have done every month. We have never missed a payment until Key Bank stopped taking payments out of my account. The actual Key Bank debt was discharged from me in XXXX but my ex wife is still liable for the debt. She did not let me know about the note due at the end of XXXX since she had all the documents. That is when they stopped taking payments out of my account and did not notify me ... I had to find that out on my own. After a series of calls I findly contacted their outside counsel who instructed me to continue to make payments and I have. I received a letter on around XXXX XXXX, XXXX stating they were going to start foreclosure. I have told them all along to roll the note over into my name ... no cooperation. The whole issue is over a legal piece of paper not about failure of payment!! The bank has put themselves in a position of not wanting to solve the issue. I have talked to outside legal counsel and they are scratching their heads as well. I need someone to intercede on my behalf to talk with the bank because every person I talk with gives me a different answer ... mean time they are pushing for foreclosure internally while the banks outside legal counsel tells me to do something else.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: REPORTED IN CORRECTLY ITEMS SHOULD BE REMOVED BASED ON FRAUDULENTLY CHARGS OCCURRED I kindly informed all the CREDIT REPORTING AGNCY and the BANKS of my SCAM with   XXXX   XXXX   XXXX   that happened in  XXXX  when the company had Possisions of my card and commited Fraudulent charges on some of my cards Those account now are still reported in Collection and Charged OFF and negatively hurting and harming my credit FICO SORE and CAUSING ME Financial and emotional stress in obtaining loans and a getting approved for a line of credit because of the derogatory marks I called in the Banks Numerous time in the MONTH OF  XXXX  and the Month OF  XXXX   XXXX  and explained to them my circumistances they asked me to call the CREDIT Bureaus and request and early removal of the account I Called the CREDIT REPORTING BUREAS and informed them they ASKED ME TO CALL THE BANKS TIME are PASSING BY and i wo n't be ABLE to be QUALIFIED for mortgage based on my credit Score The BANKS / CREDITORS and CREDIT BUREAUS they put me on hold and transfer me around i SPEND OVER  15 H RS A WEEK every Week trying to resolve this

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (Credit card) with Couch Conville & Blitt LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was sued and paid the judgment. A new lawfirm file took over the judgment and garnished my wages. I have comunicated with them to stop the collection efforts to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion has been advised via registered mail, phone, fax since XX/XX/XXXX, etc. that multiple hard inquiries were made using my information in the XXXX area via ID Theft. A few of the many hard inquiries which were made resulted in fraudulent accounts opened in my name. I have worked since XX/XX/XXXX to try to Restore my previously very good credit score, without success. I was unable to get a loan to refinance my debt and I have had to spend many XXXX of dollars in interest in addition to probably XXXX + hours of my time spent calling, writing, etc. etc. Now I see a new fraudulent hard inquiry was made by a company called XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. I received an email stating I had applied for credit on-line on XX/XX/XXXX. I did NOT apply for a loan from this company. When I called the XXXX #, it was full of inducements to buy services from TRANSUNION!!!! 
TRANSUNION has failed to remove the fraudulent accounts and fraudulent hard inquiries that I reported between XX/XX/XXXX and XX/XX/XXXX. I am worn out and seem to take XXXX steps forward and then XXXX back. Please investigate. Help!!! Thank you!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XX/XX/ -XX/XX/XXXX these are the dates i have contacted and disputed with XXXX  about this public record. to verify this account they have not given me any information on verifying the account. They continue to send me my credit report stating they verified the account. and its correct.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage changed hands XX/XX/2016. The new mortgage holder is sun trust mortgage in XXXX XXXX We have been paying our mortgage for years using automatic bill pay from our bank, XXXX XXXX . To pay the new payee for the first payment on XXXX XXXX, I changed the bill payee to Suntrust mortgage and updated the mailing address for the payment. Unfortunatly- I did not update the account number and left the account for our old mortgage in the memo section of the check. The money was debited from our account. Suntrust claims never to have received the payment. They are calling us delinquent on our mortgage. When we caught the error we updated the account number, and have paid every month since ( XX/XX/XXXX-XX/XX/XXXX ). We have not missed payment. We have had countless phone calls with Sun Trust and claim numbers as well as escalated claim numbers related to this issue. The company continues to telephone us demanding the 'delinquent ' payment. It is now bordering on harassment. We have spent time on the phone with XXXX XXXX, and in the local XXXX XXXX branch. We have faxed the paperwork which was asked for by Suntrust on multiple occasions. XXXX XXXX has sent the paperwork directly to Suntrust as well. Each time we speak to Suntrust, they tell us they will have an answer in 36 hours and to call back. When we call back they claim to know nothing about any paperwork which we have faxed.

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 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The current hack of XXXX has exposed mine, and many, many other citizens to potential identity theft. Due to XXXX, the complacency of this and other credit agencies has been reveled and has allowed our personal information to be available online, or other means, to any threat FOREVER.

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 04-06-2016 about Debt collection (Payday loan) with Premier Recovery Group (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: My mother and cousin was contacted by Premier Recovery Group XXXX. A lady by the name of XXXX XXXX has called my mother and cousin SEVERAL times. My cousin was contacted over 10 times today and XXXX XXXX got nasty with her and cursed at her using the XXXX word. She told them she needed to speak to me because I committed fraud. She threatened legal action. This is totally unacceptable and harassment.

Company response to consumer: Closed
Consumer complaint received 02/22/2018 about Mortgage (FHA mortgage) with loanDepot.com, LLC (TX).
Issue: Struggling to pay mortgage

Complaint: I am behind on my mortgage due to medical reasons. I called LoanDepot on XX/XX/XXXX to see what my options were. I was told that if I could come up with a large sum of money by XX/XX/XXXX then I could set up a repayment plan and avoid foreclosure. I saved and borrowed money for weeks and called them back today ( XX/XX/XXXX ) for them to tell me " Sorry, your mortgage is already in active foreclosure and basically there is nothing you can do about it. We have had this issue of inconsistency with LoanDepot before and it caused even more of a delay of being able to pay our mortgage. I feel that I am being taken advantage of due to the lack of knowledge of the staff at LoanDepot.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2017 about Mortgage (Other mortgage) with CITIBANK, N.A. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX, I had a cell phone ( smartphone ) stolen. This was reported to my local police department. I thought that all the security apps I had in place would protect me but I was wrong. Due to that theft my identity was compromised. As a result I dealt with everything from accounts attempted to be opened to funds being funneled out of my checking/savings account. For the first time in my life I was thankful that I was not rich as there was n't much to steal but enough to put me in uncharted territory. With thanks to my bank I was able to slowly but surely remedy the situation. But due to the circumstances, I for the first time was behind on my bills. I had a credit score before all this happened of about XXXX-XXXX, not perfect but respectable. I am scared to even check to see what it is now, literally. XXXX has creeped in. With all this going I was looking for options to keep myself and my family afloat without issue. I received an advertisement which I can upload later mentioning a forbearance possible on my 2nd mortgage account. I called CitiMortgage, received some information, and wanted to begin the process. I was told that I was n't late enough to take advantage of anything but if I became more past due options would open for me ... this made sense but sounded frightening at the same time. I reluctantly let the account go further behind until it was time to take advantage of the forbearance which I was to initiate the process before XX/XX/XXXX. However, at that time I was told that that because my 2nd mortgage was not FHA or XXXX that I could not take advantage of the forbearance. My heart sank, I have/had the feeling that my life was ruined. I have a daughter who wants to go to college and now the credit worthiness that I worked so hard to maintain was ruined over misinformation. The only reason this forbearance option was even remotely attractive to me is because it would prevent credit reporting once I accepted the forbearance terms. My primary mortgage account was never late since obtaining it XX/XX/XXXX, not once, not ever. I am a responsible customer. Although the rate is substantially high here on this account I have n't had any issues with CitiMortgage. CitiMortgage is a great company and I just need someone who can understand and help me. I simply want to remedy this situation and receive accurate information.

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 10-12-2015 about Debt collection (Credit card) with STERLING JEWELERS, INC. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have contacted this collection agency more then once and told them not to call my place of employment. They call my job everyday and leave messages such as if he does n't call us by XXXX we will send legal paperwork to his job. Futhrrmore they are calling my family members saying I 'm in trouble and need his phone number and last they made threats to me for example they say do you know where your daughter XXXX is I said why then they said you better check on her. I mean really come on and I also get a call from a private number they hang up just to get my voice mail saying that I will be receiving legal paperwork from my local county and you need to call up to make sure you address has not changed.

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 04/27/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: It goes beyond struggling to repay. I was misled into the loan by  XXXX   XXXX  employees getting compensation. As well, I was not informed about the many loans they took out to pay for the loan including the variable interest rates. After graduating college and getting a job as an intern in the field to " pay my dues '' I deferred payment which I was explicitly told would not increase my interest. During that time I received an ungodly amount of calls, throughout the day and evening. I tried working with them, explaining to them my situation and they told me that if I could not pay the full amount, it did n't matter, I would default. Even when I was laid off and told them I could make partial payments from my unemployment checks, they told me no. In the end, it makes no sense. How does someone accrue  XXXX  of interest in one year?? I have been paying back thousands of dollars over the years but with the change of ownership, lack of experience from employees and always getting the runaround, my loan amount keeps increasing. They have harassed me, mismanaged my loans and on multiple occasions taken out more money than they were supposed too.   It has been almost ten years and my loan has not changed even after the years of automatic payment.   So much has happened and I can not get the records that they have hidden away. The conversations alone would especially validate my claims.   At this point, its become me versus city hall and I ca n't win. All of this should be incredibly illegal, but they keep getting away with it. Navient,  XXXX   XXXX  and  XXXX   XXXX   XXXX  need to pay for what they have done to past students like myself. I am not a slacker, I work hard, make a living, but still can not be a fully functional member of society for what these institutions have done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The Phoenix Recovery Group (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Contacted my mother serval times about my debt and gave her every single detail to the debt. Also told her she needed to pay the debt when she was not listed on the lease. She was listed as a emergency contact. Advised the company several times that she was n't on the lease. They continued argue with me about it. Saying she signed the lease. I spoke with the original creditor who also advised me that my mother was only listed as emergency contact as well. She said she would talk to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Transunion disputes department, continue to reports my credit information wrong. They have been reporting negative credit account. Transunion continue to disregard chapter ( XXXX ) bankruptcy. They reject the I file chapter ( XXXX ). Several company have report the account report they refused to, continue to reported these items, collection, number account with delinquency. To few pay as agreed. Transunion have cause me not to have access to credit. Adverse public record. I a low credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Hi, I have a KOHL 'S store credit card the I used onXX/XX/2017 and another statement received was payment due on XX/XX/2017?? I was contacted by Kohl 's that may account is going to be 60 days late and paid {$210.00} which was for all including statement due on XX/XX/2017 Being close to XXXX years old I have been forgetting thinks and all they did was send e mail regarding bill which I thought was spam. A rep from Kohls called in regards to past due account and said if I pay bill I will not be charged a late fee nor will they report me to any of the credit bureaus. I apologized and payed past due explaining that I forgot and asked for wireless billing to be stopped. I then checked my credit report and the did report me to the bureaus bringing my credit score down XXXX points. 
I was in the process of a refi on my mortgage and now I am not eligible unless I want to pay higher fees and interest rates. This is not right what they do to people. Kohls now said it will be on my credit score for 7 years and refused to remove it. I contacted XXXX XXXX and XXXX and the said I have to file a dispute which may take up tp XXXX to 45 days. 
XXXX was closed today due to XXXX XXXX. We are now basicly XXXX by what Kohls has done. Maybe this is something the government needs to look at. It 's no wonder the housing market is the way it is since a simple mistake cost people a chance to advance in home ownership and refi there mortgage to save on monthly payments. 
ALSO WHY IS IT WHEN YOU CALL THESE PLACES THE SEND YOU TO PEOPLE IN THE XXXX THAT YOU CAN NOT UNDERSTAND. 
WHAT HAPPENED TO JOBS FOR THE PEOPLE OF THE UNIITED STATE OF AMERICA. GOVERNMENT SHOULD GO AFTER THESE COMPANIES AND PUT THE MONEY IN THE POCKET OF AMERICANS NOT XXXX. 
Please help us if you can and stop us from being a victim of society.

Company response to consumer: Closed with explanation