milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-08-2016 about Student loan (Federal student loan servicing) with ConServe (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I am currently being garnished by an organization that says they represent the DOE ( dept of ed ). They have taken over {$3000.00}, but have not given ANY of it to the DOE. I ca n't get anyone to verify the actual amount of the debt so we can pay it off and no one at the DOE will speak to me. ( they said we need to deal with the servicing agency ) ( Comserve ) I am willing to pay it off IF I could get a definitive answer as to the amount of debt. No one will give me any paperwork from Comserve ( they say by MD law they do n't have to ) NO one will talk to me at the DOE, they say we need to deal with the agency. Can you help me get an answer from the DOE? I would like to talk to you in person if possible, but an email/ letter with a point of contact at the DOE is really all I am asking for. Thank you in advance for any help you can provide. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This leasing company returned my security deposit after i completed my lease and moved out. Then over 2 years later this debt appeared on my credit report. They did not send me anything to give me a chance to dispute before placing on my credit report. I have contacted company several times and asked them to send me validation of debt and was told they did n't have to validate anything to me and just to pay them.

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 11/17/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Problems caused by my funds being low

Complaint: I submitted a complaint about my financial institution on XXXX XXXX, 2015 ( Case number XXXX ) regarding overdraft fees put on my account for an item that I had sufficient funds to cover. Because of the overdraft charge for that item, my account was in the negative and I was not going to put more money into the account until that fee was returned. Since then I have been charged numerous overdraft fees that should not be on my account. If the first fee was actually returned, I could have had my account in the positive. Suntrust, which is my financial institution charges overdraft fees before the full 24 hour mark is expired which I find to very unreasonable and unfair especially for a consumer to deposit money into an account to clear a negative balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a bankruptcy that appears on my credit report nit mine must be mixed file

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 05-06-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Currently with Ditech Mortgage company - pay one month in advance on mortgage payments. Ditech shifted internal mortgage account numbers and when did, the new statement showed payment due one month prior. Representative stated that instead of payment applied to future month and additional principle, XXXX % of it was applied to principle. This is a no-penalty advance pay mortgage contract and we are quickly approaching the 'late fee ' date with funds not being reallocated as indicated on the coupon and as requested for the last 3 weeks ... multiple supervisors spoken to and NO ONE seems to want to take responsibility and call back. PLEASE HELP!!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Bank account or service (Checking account) with PNC Bank N.A. (NJ).
Issue: Problems caused by my funds being low

Complaint: UPDATED VERSION - Please use this instead of Case number : XXXX PNC Bank Small Business Account customer goes into the negatives. Instead of notifying the customer and waiting for the customer to pay, the bank sends a vague email notice ( without specification of amount ) that the account is overdrawn the day after the overdraft occurs. An overdraft fee is charged. The next day an email clarifies the amount of overdraft and indicates a fee has been charged. An XXXX overdraft fee is charged. For the following two business days overdraft fees continue to be charged for the SAME overdraft. This is ridiculous. The bank does not give notice to the small business owner and the bank continues to charge fees without notice of subsequent fees. The icing on the cake is that said PNC Bank Small Business Account Holder is NOT enrolled for Overdraft Services, although, PNC appears to charge said Account Holder as such. Instead of returning the item unpaid ( a mere {$12.00} fee, see p. XXXX PNC Service Charges attachment ), PNC can make an extra {$24.00} per charge if they charge us an overdraft fee at {$36.00} ( which we are not enrolled in ). This is a clear UDAAP concern. 

I would like to see a public enforcement action against PNC for these practices. Some of the results I would like to see from this enforcement action against PNC include : public apology and acknowledgement of unfair, deceptive, abusive acts and practices against small business owners ; donation to the SBA ( Small Business Administration ) for the purposes of educating small business owners on how to manage finances while managing a business with little help ; and free financial education seminars in all states where PNC operates. 

This is the fourth or fifth time that we have had experience with PNC and it needs to stop. To make this worse, one of the members of this XXXX is a Servicemember. CFPB - please pursue a public enforcement action against PNC so they can get their act together. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On  XXXX   XXXX  of  2017 I su bmitted a multiple inquire removal letter to all  XXXX  Credit Bureau 's. I did not receive any information on the results or outcome of my request. On  XXXX   XXXX  ( over 30 days late r ), I   submitted a dispute online through Equifax for the same inquiries. That same day the results were completed stating the inquiries were factual and that I should contact the creditor if I disagree with the results. I feel as if my dispute was ignored  the 1st time an d then not taken serio us the 2nd b eing the results we completed in the same day. I understand that there are many people out there with concerns and issues but these inquires were NOT authorized and need to be deleted immediately. I would really appreciate it if someone would take my situation serious. Please help and remove the following inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I got a call form portfolio recovery associates stating that i owe a debt from XXXX XXXX from XXXX that i have no knowledge of. I was sent a identity theft affidavit to fill out requesting a lot of personnel info

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2017 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was unable to retrieve my annual free credit report from Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ME).
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: XXXX    XXXX   I contacted  XXXX ,  XXXX , Experian about a judgement on my report.  XXXX  and   XXXX   had no issues removing this judgement. Experian even after sending all the proof that its been paid they are still refusing to remove it from my credit 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 non-monetary relief
Consumer complaint received 07-06-2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Struggling to pay mortgage

Complaint: I have had nothing but trouble with the company called Ocwen Financial I was only 2 months late on my mortgage several years ago paperwork was not being shown they would tell me I did n't send it and I did send it, this went on for years I owed them {$5000.00} and offered to pay it on that day they refused to take it and told me I had to go through a modification the modification was a disaster they would not accept certain paperwork paperwork was not being shown, my credit report was not showing any good payments they sent a sheriff after I was behind only two months and refused to let me pay it, I 've had 3 XXXX XXXX now this place is made me crazy my husband also is ill and lost his job I asked them if I could pay half this month and half next month they refused they said pay it!! added on two additional mortgage payments and told me come up with it. That was their answer, I told them I could not help it I had a XXXX XXXX there was nothing I can do about it please take my payment and let me continue to pay they refused and now again I 'm stuck. please help me I ca n't go through another terrible modification and what they put me through the last time dragging their feet saying I did n't send paperwork they even tried doing it to my attorney, I finally had to get an attorney thank XXXX he was a good man and helped us out they even tried to do it to him, tell him that he was missing a piece of paper and he said no way, and told them to stop messing around now I fell behind because of the XXXX XXXX and my husband being ill and in the hospital, I still can pay the mortgage that 's not a problem but now they want me to pay a large amount and told me to come up with it by the XX/XX/XXXX or they were going to do something about it. I do n't need to have another Sheriff at my door the first one I was only late 2 months, I knew that that was wrong but there was nothing I could do about it I 'm sick I work and I worked and I worked until I broke and that 's what they try to do is break you, even their website has a big red! On their page please help me. They are not being fair to anyone there are many, many complaints, and the lawsuit against them finally I plan on being a part of that I asked them if I could split my mortgage payments into two different payments and they refused so they say they work with you they do not!

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Bank account or service (Other bank product/service) with U.S. BANCORP ().
Issue: Making/receiving payments, sending money

Complaint: Today, XXXX XXXX, 2015, I went with my son to my local branch of US Bank to cash his federal tax refund check. My son does not have any bank accounts as he does not make enough money to justify opening any accounts. The bank would not cash the check without him having an account there because they said it could take up to seven years for the check to either clear or bounce. They said it would be the same at any bank and suggested a credit union might do it. I am outraged that any American bank could refuse to cash a federal check. As long as you have your identification with you, you should be able to cash a federal check. Now my son has to go to a liquor store or a check cashing service who will take part of that check just so he can get some of his money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Checking or savings account (Savings account) with BARCLAYS BANK DELAWARE (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: My savings account with Barclay 's bank is a matured account having been opened more than 30 days. On XX/XX/XXXX, I notice my account was restricted. When I called in on the XX/XX/XXXX, I  was asked several security questions and service was restored. Subsequently I mobile deposited several checks from the California State Treasury. On the checks themselves is written that they are valid up to 1 year from the date of issue from the California state treasury. However, when following up regarding the deposit I was told that the checks were stale dated and my account would be restricted until further notice. This is despite on the checks themselves it is clearly stated that the checks would be honored up to 1 year from the issue date. It had only been a couple of months. The representative asked me to callback in a few days, to which I did. When I called back I spoke with a gentleman who I confirmed my XXXX XXXX with. That representative said all he needs is a driver license, SSN, and a recent bank statement or utility bill in order to remove the restrictions. He told me it would take about 5 minutes. I successfully received the email from the rep and provided the documents as requested. When calling back to confirm the receipt of that documentation I spoke with a rep by the name of XXXX. XXXX said that there was no record I had called before and that no email had been sent out to me and that my account would be closed. Knowing that what she was telling me was factually inaccurate I requested to speak with a supervisor to which XXXX denied. She also refused to answer any of my questions. My concern is that my account was wrongfully closed. Additionally, I was mislead in providing documentation and personal information that was misused and not used for the purpose it was provided. Moreover, I was provided I consistant information. Lastly, legal and valid California State Treasury checks were declined without justifiable cause and the status of those checks remain in limbo due to ill service provided to me by XXXX at 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 08/27/2016 about Debt collection (Medical) with Capital Recovery Corporation (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was going to sign up for XXXX through healthcare.gov, but when I found out that I would only get coverage for one month through them and then would have to switch companies, I decided to just go without insurance for one month. I called XXXX and told them I did n't want their coverage for the one month, and did not pay the premium, thus never activated my insurance. I have now been sent to collections through XXXX for a premium I should n't owe. They never provided coverage to me. I told them I did n't want their coverage, which again they did n't ever provide because it was never activated for that month. In addition to my complaint that they are billing me for services they never provided me, as far as I know through the affordable care act, it is illegal for them to send me to collections for an unpaid medical premium in the first place.

Company response to consumer: Closed
Consumer complaint received 11-07-2016 about Debt collection (Payday loan) with Midwest Recovery Systems (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Getting repeated calls on cell and at work from an unknown source not willing to disclose pertinent information. When the calls started derogatory information was placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have asked Equifax to remove over XXXX hard inquires that I did n't authorizes. They keep saying validated when in fact they are n't. I do n't have credit with maybe XXXX inquires. Please correct. That is false reporting

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Credit reporting () with Trident Asset Management, L.L.C. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an account for XXXX DVD that has been sent to collections. This account is not mine as I have never ordered anything from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2017 about Debt collection (I do not know) with Midwest Recovery Systems (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was notified by my mortgage lender of a company called Midwest recovery systems who placed an item on my credit report for {$930.00} for a supposed pay day loan. I have not taken payday loan since  XXXX  and I had my bankruptcy finalized in  XXXX . I have never heard from this company nor any loan company via phone, mail, or email. It just suddenly appeared on my report. I attempted to contact them and they just threaten me. They refuse to provide any support to their claim and it is having a negative impact on my credit. I have read they are a scam and many people are having difficulties. I want this removed from my  XXXX ,  XXXX , and all to other credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Bank account or service (Savings account) with SCOTTRADE BANK (IA).
Issue: Account opening, closing, or management

Complaint: My XXXX opened up a Scottrade account to do trading and a number of our individual members also had a Scottrade account. Unfortunately, bad service and rude support from Scottrade has convinced us to close our account and transfer our money elsewhere. Let me explain. 

Scottrade Bank and Scottrade XXXX are very closely connected, once a brokerage account is opened, Scottrade pretty much forces you to open a Scottrade Bank account to withdrawal any money. This process is time consuming and in the face of rude customer support and delays, one is immediately faced with a money withdrawing delay that is easily double of what competitors can do. The delays and lack of understanding by Scottrade management and support caused significant problems and stress, when I voiced my concerns Scottrade acted as though they " did n't care '' and were too busy with " high net worth clients '' and could close my account not have over XXXX in assets. This frustrated me and my investment friends even more. 

Last year we were switched secretaries and one of them noticed that the Scottrade account agreements we had on file were different that the agreements Scottrade was posting online. We later discovered that Scottrade was making enormous changes to its terms of service and account agreements without any notification and when we asked them for the original contract they were unwilling to provide it, and this unfortunately, led to our next problem, Scottrade 's failure to deal with disputes. 

For our records, we required the original account agreement and thus requested the document on numerous occasions but Scottrade failed to provide it, their final response was basically saying, " your account has been closed ... and we consider this matter closed ... if your dispute continues you may file arbitration ''. The thing is, Scottrade will not provide instructions or evidence that an arbitration agreement exists. Putting us in an extremely difficult spot, we have and we reiterate our requests that Scottrade provide us with the original arbitration agreement. 

Finally, Scottrade was hacked, according to a press release in XXXX, and said it sent out emails to those whose accounts were effected, we got a few of the emails and the phone number Scottrade instructed us to call would not connect, once again, filing a complaint against Scottrade led to no response. 

I would warn others that if the behavior of Scottrade to not respond to serious customer concerns it is likely better to move your money elsewhere, our club, and XXXX of its individuals have already done so and are better off for it.

Company response to consumer: Closed
Consumer complaint received 02/27/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Portfolio Recovery Associates has reported a paid collection to XXXX credit reporting agencies and it is unlawful per Massachusetts General Laws. 

XXXX XXXX : DIVISION OF BANKS AND LOAN AGENCIES XXXX XXXX XXXX : Conduct of the Business of Debt Collectors and Loan Servicers Massachusetts XXXX XXXX XXXX ( XXXX ) A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of XXXX XXXX XXXX : ( XXXX ) For a debt collector to report to a consumer reporting agency on its transactions or experiences with a consumer in the debt collector 's name. However, a debt collector may, with the express written authorization of the creditor, report to a consumer reporting agency in the creditor 's name.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Hello. I am in the process of clearing up all inaccurate and wrong information on my credit reports. XXXX Days ago I send a certified letter ( copies saved ) that requested Corrected information and PROOF of any errors they are not removing from my personal credit report. I have not received anything, no reports, no credit file or questions. I sent this with proper ID proof and a detailed letter and account numbers. They have in the past kept false reporting on my report that are not even mine.

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