milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (VA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On  XXXX   XXXX ,  XXXX  we inquired about opening a business checking account at  PNC Bank   XXXX , VA branch. The loan officer,  XXXX   XXXX  took down our information. We did not yet have the completed operating agreement from our attorney and we stated as such. She proceeded to open the account anyway and then harass us for the documents ( presumably because she should n't have opened it without  them ). U pon receiving them, we forwarded to the bank and I called and spoke with the  manager  around the unprofessional nature and questionable actions taken by  XXXX  including missing debit cards, mis-handled personal information written in a notebook etc.  Subsequently  on  XXXX   XXXX ,  XXXX  I noticed a series of fees and then a change to our account. Upon calling PNC customer service, I found out that the account had been converted to a different type of account without my consent. In the discussion, it became clear the account had been opened in an account type that was sure to incur fees past the initial period based on our intended use. It was never discussed with us that we were not being put into the base account. I raised the question with the representative if  XXXX  might have been incented to open the higher account type at the time, and then went in and adjusted the account when it started earning fees, without notification to me as the account holder. At this question, the issue was escalated. I was put in touch with  XXXX   XXXX  in Executive Client Relations Case Reference :  XXXX . I spoke with  XXXX   XXXX  and relayed the actions and my concerns. I never heard back regarding my complaint. I followed up with  XXXX   XXXX  on  XXXX   XXXX ,  XXXX . Upon speaking to her on the phone, I was told that the issue had been investigated and the employee in question would not make this mistake again. I expressed concern that my account had been changed without my express consent and the bank never so much as followed up with me past the complaint to reassure that my account was secure and the issue had been resolved. To which the only response I received from  XXXX   XXXX  was " that is on me, I have n't gotten to writing you a letter. '' I have been a customer of  PNC  Bank since  XXXX  and am appalled at the lack of attention to this egregious action and utter lack of response to reassure and respond to the account holder. This experience was unacceptable and did not instill confidence in the security of my accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/22/2018 about Debt collection (I do not know) with Midwest Recovery Systems (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I recieved a credit monitoring alert from transition stating that I have a new collection from said company Midwest Recovery! I have never done business with this company or its client. I have never recieved notice about this account by mail. This company has never contacted me about this debt and I take no responsibility of such collection. By law this company was supposed to provide notification of debt and give time for me to dispute and ask for verification of this debt before placing on my credit file, especially because I am a victim of identify theft. I am afraid that this company has violated my personal rights by requesting my medical records from a facility with out permission. I take no responsibility for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Charges for overdraft on transactions that were dated previous to a larger transaction and that happened XXXX to 5 Days preciously. 

Credit card payment posted on the XXXX/XXXX/XXXX by the credit card company and being charged on overdraft fee 4 Days later. 

No ryme or reason to how charges are posted other than they process large transactions first regardless of the date the transactions are received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/18/2015 about Debt collection (Auto) with Strategic Alliances, Inc. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company, I have spoken to several times and agreed to make a payment arrangement. After doing so, I requested they not contact me again. They keep calling to set up the payment I already authorized, calling multiple times a day, often just before XXXX. The agents are extremely rude and blunt and completely unwilling to work with me when I do answer. In addition, when I do n't answer one number or block it they start calling from another. They have been extremely obnoxious and have even contacted friends and members of my family after being requested not to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (FL).
Issue: Managing the loan or lease

Complaint: Ally financial is reporting that I owe {$6600.00} to XXXX and it is reflecting my credit score and the last time it has been update was in XXXX. 

And it is still reporting as a REDEEMED REPOSESSION but i have the car in my possession

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 01/30/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (LA).
Issue: Making/receiving payments, sending money

Complaint: Long story short, Wells Fargo decided to end our banking relationship. In doing so, they canceled all pending transfers, including one from another Wells Fargo account. The transfer was for {$1600.00} from their customer XXXX. His cell phone number is ( XXXX ) XXXX. I sent the product to him and now I am unable to reach him. I would like Wells Fargo to help in one of the following ways : 1. Reimburse me for my loss. 
2. Facilitate me receiving the payment from their customer. 
3. Provide me with the customers details so that I can file a police report. 

I am not sure which one of these is necessary because I am unable to get in contact with their customer, 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 04-11-2017 about Consumer Loan (Installment loan) with Prosper Marketplace, Inc. (KS).
Issue: Taking out the loan or lease

Complaint: I have a high interest loan through Prosper loan. After repairing my credit I was able to get a bank loan at a much lower interest rate through XXXX out of XXXX, Illinois to pay off the Prosper loan. On XX/XX/2017 XXXX sent Prosper a check for XXXX on my behave to pay off my loan with Prosper. Prosper lost the first check. 
The bank stopped payment on that check on XX/XX/XXXX and sent Prosper a new check via XXXX on XX/XX/2017. Prosper received that check on XX/XX/2017, and presented it to XXXX on XX/XX/2017 for payment and the funds were transferred to Prosper on I believe XX/XX/2017. Prosper was presented with proof that the funds were transferred to their account and is still unwilling to acknowledge the payment and has put my account into " pass due '' status which will eventually affect my credit rating. Prosper has a financial interest in my paying for the full terms of the loan and feel that is there end goal here. At this point Prosper will not speak to me and will not respond to the support ticket that was placed on my behalf by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Credit card () with CITIBANK, N.A. (NC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX XXXX on XXXX XXXX flight XXXX from XXXX to XXXX ( XXXX ) we were offered a " special offer '' to earn XXXX bonus XXXX bonus miles if we openedup a Citi / XXXX. I filled out the form and gave it back to the flight attendant. After a month on XXXX XXXX, I called Citi on to see what happened to myapplication. An employee and manager confirmed that they never received my application. This is very troubling because the application contained my social security number, and other personal information. Citi said that legally all applications must be processed within a month. They told me to contact XXXX XXXX. XXXX told me that I needed to file a complaint online which I did. My Report : XXXX ( XXXX ) was answered today saying that, " We forward all applications directly to Citibank for them to process and they would be the ones investigating the status of your application. '' Now I do not know who to contact next.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian sent me a notice saying that my address had been altered on my credit report, based on information supplied by a creditor. This was erroneous info. When I checked my report I found that I was " also known as '' variations of my name that I have never used. I complained, and Experian corrected my report, but e-mailed me a report that has a " variation '' of my SS # recorded, which I also have never used. I think it is a great wrong and misuse of power for credit reporting companies to accept false or mistaken info from creditors, some of whom the consumer may not want looking at his report because he does not desire to do business 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 09-10-2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Rewards

Complaint: I received an application from CITI for a XXXX Credit Card. On XXXX/XXXX/15, I called to inquire information about it. My main concern which I reiterated was that I did n't want to lose my points that I had accrued. The gentlemen I talked with initially said I would, but then when I said I had XXXX CITI cards which were linked together earning points, he then put me on hold and said he needed to talk with someone about this. He came back to the phone and said, no I would not lose my points and he would open up the new XXXX Card. I asked him again, are you sure. He said yes, that I would n't lose my points. I then got his name & where he was located, just in case there was a problem. For several months the points were on my statement, so I never gave it any thought there was a problem. Then I checked my statement on line & the majority of the points were gone. I called CITI XXXX XXXX/XXXX/15 XXXX & talked with someone who stayed on the line while I talked with the Department who handled the Thank You Points. She had the other operator fill out a dispute form & said, that it was what had to be done, but assured me that I would get my points back. I received a letter date XXXX/XXXX/15 denying my reinstatement of the points. 
XXXX/XXXX/15 ( XXXX call ) I asked the representative to please pull the voice recording to verify what I was saying was true. She said there was nothing more she could do. 
This was blatantly fraud on the gentlemen 's part to initiate this credit card when I emphasize that I did not want to lose what I had been saving up for years with my points. My points were denied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2017 about Debt collection (Medical debt) with Amsher Collection Services, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My health insurance XXXX XXXX XXXX XXXX XXXX XXXX was never billed for the medical bill from XXXX XXXX XXXX the origin of the bill. I contacted XXXX XXXX XXXX and they filed my instance after they sent me to collections with Amsher Collection by mistake ( invoice XXXX ). However XXXX XXXX XXXX XXXX pay the bill and I paid the remaining if the bill after the medical bill was recycled through the system. I contacted Amsher and give them proof the bill was paid by my insurance and myself and Amsher is still collecting on the bill. I requested they remove the bill from my credit report and sent them a certified letter tandcthe insurance billing paid cancelled check. AMSHER is still collecting on a debt that XXXX XXXX XXXX has been paid on ( {$310.00} ). I asked that the collection be removed from my credit report and Amsher continues to report this bill in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian on complaint # XXXX states that changes and deletions ca n't be made as of XX/XX/XXXX due to the information provided. I have provided the copies from XXXX XXXX XXXX XXXX there has never been no other documents sign nor giving to me by XXXX or any binding agreement other than XXXX XXXX XXXX transferred the loan. 
There has been no documents furnished by Experian to XXXX or no proof of documents to the loan XXXX nor and documents furnished. Only documents furnished was XXXX XXXX XXXX XXXX in which they sent XX/XX/XXXX by XXXX stating they did not supply delinquency information to credit reporting agencies. This loan was done XXXX so where is the reporting on payment history from the begging of the loan and why is there nothing showing from the start of the loan of XXXX. There is the wrong complete amount by Experian to the loan XXXX provided the loan amount {$25000.00} and Experian has {$24000.00} so Experian does not have the original amount of the loan as they have stated on the credit report. Nor does it show or can provide any reporting by XXXX. 
Experian Complaint # XXXX Experian states back to CFPB that this does not show on my credit file I have provided the copy saying it does not show on my credit file and Experian States to CFPB it does not show on my credit file. Experian also states error in amounts and the loan open XX/XX/XXXX not as Experian states or my documents from 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 05/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: When I moved to XXXX XX/XX/2011 I lived for tree months in XXXX with friends after that I moved to XXXX but after the I start receiving call from a collection agency asking me to pay my bill to XXXX XXXX I told them i do n't have account with no body I still new in the XXXX I never have a Appartement under my name yet but they put it in my credit and now when I Learned a little about credit I dispute it but the credit bureaux they keep report it, I ca n't pay a bill not mine please make investigation I need help because this is what 's happened

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (LA).
Issue: Problems when you are unable to pay

Complaint: Ca n't pay late fee so they want repossession of the car and i told them i can cancel my gap and pay it but that 's not good enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2017 about Debt collection (Medical debt) with Affiliated Management Services (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX   XXXX  - {$480.00} I was insured during  XXXX    XXXX    XXXX  - {$520.00} I was insured during   XXXX   XXXX     XXXX   XXXX  - {$650.00} I was insured during   XXXX   XXXX     XXXX   XXXX  - {$2400.00} I was insured during   XXXX   XXXX   XXXX     Affiliated Management- {$200.00} I was insured during   XXXX   XXXX   XXXX   Affiliated Management- {$120.00} I was insured during   XXXX   XXXX   Affiliated Management- {$240.00} I was insured during   XXXX   XXXX   Affiliated Management- {$530.00} I was insured during   XXXX   XXXX

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 09-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Records were stated again from XX/XX/XXXX,XX/XX/XXXX to lower my rating from Trans Union. I am retired, and dept free at this moment. there rating service return old files that I requested be cleared 8 or nine years ago. I 'm purchasing a car, and will be forced to pay a higher rate due to their false report. If an update is issued, I can reapply for a lower rate. Thank you, XXXX XXXX. 
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (OH).
Issue: Trouble during payment process

Complaint: I have had a home loan with Freedom mortgage for about 10 years now and XXXX of this year I received a letter from XXXX County Auditors Office telling me that they were about to auction off one of my properties because of non-payment of properties taxes. I have three partials for my property. I asked witch one and they said the one that my house was on. I told them that I pay my mortgage company to pay my taxes from the escrow. I then called Freedom mortgage and had both Freedom mortgage and XXXX County Auditors Office on the phone at the same time. Come to find out that they have not paid taxes on that property in about 8 years. But I have had them for 10 years so how it fell off Freedom mortgage did not know. I now owe over {$13000.00} in back taxes and Freedom mortgage this month raised my monthly payment from {$1300.00} to {$3100.00} to cover back taxes. I called Freedom mortgage several times to get help and was told that if I didnt pay the {$3100.00} this month it will show on my credit report as nonpayment. I also explained what I found on the internet about ( RESPA ) but they didnt care to hear it! I cant make these payments so we are about to lose our home that just last month put {$15000.00} into a new roof, driveway and new kitchen. We need help PLEASE. My loan number is XXXX I live at XXXX XXXX XXXX XXXX Ohio XXXX. Can you help? My cell number is XXXX my email is XXXXXXXXXXXX

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 09-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion would not remove the TAX Lien I requested them to remove off of my credit report. They say I did n't furnish a police report. So now I have furnished the police report lets see what excuse they come up with now.

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 07/25/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XX/XX/2013 I pulled my Credit File and discover that XXXX, which is a copy that Mortgage Companies use to pull individuals who are in the market to get a Mortgage unlawfully violated my Constitutional Rights by accessing my Credit Information without my CONSENT! 
I discovered the unlawful violation when I pulling of my Credit File in XXXX, 2013 via my Experian Credit Report which reflects the 'INQUIRY ' by XXXX. 
I disputed the unlawful act with Experian and they removed the information from my credit file. 
However, I made several attempts to get XXXX to provide to me the 'CONSENT ' documentation that they received from their client ... XXXX XXXX so that I could find out who and/or what individual with XXXX XXXX that requested my CREDIT INFORMATION to be 'SHARED/DISCLOSED ' to XXXX XXXX. I mailed via Certied Mail requesting that XXXX respond to me in 'WRITING ' with providing me the information that I was seeking so that I could find out how requested my information. 

XXXX REFUSED to provide to me that information/documentation from their files that reflect the name of the party from XXXX XXXX who placed the unlawful request for my information, thus invading my PRIVACY, as well as Violating My Constitutional/ Civil Rights with the unlawful access into my Credit FILE without my CONSENT! 
The attached documentation from Experian reflects the FACT that EXPERIAN released my information to XXXX via XXXX 'S request for my information for a 30 Year Mortgage which I NEVER APPLIED FOR, NOR GAVE CONSENT to XXXX to release my information. I 've made several attempts requesting that XXXX provide to me the information/documentation from the parties/XXXX that requested my Credit Information and XXXX has refused to respond to ANY of my numerous inquiries! This COMPLAINT is NOT AGAINST EXPERIAN ... it is against XXXX for THEIR unlawfully violation into my CREDIT FILE without MY CONSENT!

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 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: They are reporting showing an Inquiry, that I is not authorized, nor have permissible purpose, nor have written authorization for the following inquiry. 

XXXX card XX/XX/2018

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