milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/28/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage company called county tax office on XXXX XXXX, XXXX to confirm that XXXX county property taxes had been paid in full which was unfortunately the Friday before the county posted our payment on Mon XXXX XXXX ( payment was mailed on XXXX XXXX but not posted to our account until XXXX XXXX ), and since the taxes were showing delinquent at the time of their call they immediately set up a forced escrow account on our loan and processed a check to pay the delinquent amount. Once our payment was posted our account was paid current, so when XXXX County received the duplicate payment from PNC they put the funds in a holding account as they do not automatically return duplicate payments. XXXX county send a letter to the party who they received duplicate payment from notifying them that the taxes they were attempting to pay had already been paid, and county includes a form that PNC was required to complete and return to the county requesting the funds to be refunded back to them. We continued to send PNC our monthly principal and interest payment on time every month, and each month would include a written note advising them the forced escrow account had been setup prematurely and to please post our payment directly towards the principal and interest loan balance per the terms of our Note. We also made numerous phone calls to PNC customer service as well as numerous email requests to please have someone take the time to contact us so we could discuss what had happened and work together to get our account back on track as each month we were receiving nasty letters saying our payment was short and no payment that we 've sent since XXXX XXXX has been properly posted. We have continued to send our payment each month for the past 3 years up thru the payment that is due XXXX XXXX, and up thru XXXX XXXX PNC did cash our payments but since XXXX XXXX PNC has repeatedly returned each months payment saying that they will not accept insufficient payment. So, in XXXX XXXX we hired an Attorney who has also made numerous attempts to speak with PNC customer service and PNC 's legal counsel, but is repeatedly told that they will review our file and get back with her but to date that has not happened. PNC did finally serve us with foreclosure notice, but after pushing our hearing date out 3 different times they filed a cancellation of foreclosure with the court but have not gotten back with our Attorney with any offer to in some way work with us to bring our account current and back in good standing. We are now to a point that we 've lost all hope that this ongoing dispute will ever be amicably resolved with PNC, and we will continue to have the stress and agony of our home loan being in complete limbo for who knows how many more months or years to come.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Checking or savings account (Checking account) with VALLEY NATIONAL BANCORP (NJ).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: Re : Complaint : your file number XXXX I applied for {$1000.00} over-draft protection. Days later the assistant bank manager at the XXXX XXXX XXXX, XXXX, New Jersey personally told me while I was in her branch bank, " I have good news for you, XXXX XXXX. Your application for {$1000.00} over-draft protection has been approved! '' Some days later the bank branch manager of the XXXX XXXX XXXX, XXXX, New Jersey told me, " XXXX XXXX, the approved application for {$1000.00} overdraft protection has not be connected. You may be have to pay a fee for two checks for insufficient funds. '' They are check numbered XXXX for {$80.00} and check numbered XXXX for {$400.00}. 

I told the branch manager that I refuse to pay the insufficient funds fee of {$36.00} for each said check. I told him that it was his bank 's fault that the overdraft protection had not been, to use his word, " connected ''! He said he would look into the matter and get back to me that same day. He never got back to me. 

Yesterday I received notice from XXXX XXXX XXXX that I am being charged {$36.00} for check XXXX for {$80.00} and that I am being charged {$36.00} for check XXXX for {$400.00}!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Account opening, closing, or management

Complaint: Opened Business Checking account with Bank of America on or about XX/XX/2017. Terms stated that " Make at least {$1000.00} in Qualifying Deposits ( less cash received ) into that new business checking account within sixty ( 60 ) days of account opening ''. I in fact funded the account with {$3000.00} within the first 30 days from a third party bank. Given the account promotion, I should have been credited {$200.00} for this account opening and funding. 

Bank of America sent a letter the end of XX/XX/2017, indicating that qualifying bonuses were not met. I have requested that Bank of America investigate this, but have not gotten a response to date.

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
Consumer complaint received 04-07-2015 about Student loan (Non-federal student loan) with American Student Assistance (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In XX/XX/XXXX I went to a XXXX school at the school, they told me these were PELL grants they were not to be paid back. I was on county assistance at the time my case worker also had to check this paper work because she wanted to make sure i wasnt receiving extra money besides what the state was giving me monthly ... she also told me they would not have to be paid back by me they were federal pell grants given to low income partcipants. in XX/XX/XXXX I rented an apartment and this student loan was a negative mark on my XXXX print out the apartment managers is the one who told me i needed to call these people and find out what this loan was for ... I didnt know anything except that i didnt believe i owed it but in order to get it off my XXXX I needed to make tHese payments and they would put it in a current status and it would no longer show up so i did, until i kept paying on it and instead of it going down it kept going up .. this whole thing makes no sense mainly because no one can come up with the MASTER PROMISSORY NOTE for the original loan so reallywho do i owe and what do i owe and above all else wheres all the money i ve paid with no proof i even owed this in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I had cosign for a {$20000.00} student loan for my step daughter, but the XXXX XXXX loan services add another {$84000.00} on my name which I never sign for and now they are forcing me to pay the full amount of the loan back which is {$100000.00}. 
or they will report it to the credit reporting agency that I was late, my credit is perfect and I 'm not willing to lose my credit just because this company adding all those loans to my account and I have never sign for it I do have all the loans documents that I had sign for. 
Is this the way to steal the public money? They better remove my name from the {$84000.00} now or I will take a legal action soon. I been talking to this company for a wile but they are not responding at all.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Account opening, closing, or management

Complaint: I had an account be closed in 2013 with a negative balance of {$150.00} and some change. They closed my account before I could bring it out of the red and they reported me to XXXX and XXXX with a " Suspected Fraud '' notation on both reports. I have attempted to dispute with XXXX and the " Suspected Fraud '' notation remained. I am being accused of committing fraud when that was clearly not the case. They can not prove that fraud was committed because it was n't

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 12/14/2015 about Credit card () with U.S. BANCORP (NC).
Issue: Closing/Cancelling account

Complaint: Elan Financial Services, offered a card through my bank XXXX XXXX in NC and closed it for non payment, with no notice. In addition, no invoices were sent and I was unaware there was a balance on my account. Clearly this is going to impact my credit rating. 
I used the card and then stopped usage of the card due to fees, and did n't use that card for many months ( around 9 months ). When I called about a question related to points, the firm informed me they closed my account for non payment, with no written info or calls. I validated that Elan Financial Services had my correct mailing and phone number on file and did nothing to contact me to inform me of any issue where by we could have resolved it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (MO).
Issue: Managing the loan or lease

Complaint: My vehicle was declared a total loss by the insurance company. I have both full coverage care insurance and GAP insurance to cover the vehicle contract for fees that the insurance company did not cover. My insurance company paid the claim and the GAP carrier provided information to cover additional expenses with the exception of a $ 54- {$56.00} NSF fee that was incurred earlier in the contract period. After those payments were received by the vehicle lease company I was charged excessive 'interest fees ' on the outstanding balance. The only outstanding balance was an old NSF fee that the company neglected to advise me of. I do not believe it is in the consumer 's best interest to have interest fees assessed on an amount that was not disclosed until AFTER the insurance company declared the vehicle a total loss. I also do not believe it is in the consumer 's best interest to have interest fees assessed on an amount that is different from what was provided to the insurance company and the GAP carrier.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (KY).
Issue: Managing the loan or lease

Complaint: Beware they do not back the ones that get you the loan. I was told to expect a letter 1 mo prior when loan interest would be charge. I never got that letter just a XXXX charge on bill. Was told we do not send letter but it was on statement prior to this XXXX. Well I did not look for it because I was expecting that letter. They said to bad we do not care how they get us the loan we had date on bill. They would not even consider it was wrong to be told XXXX thing. Not our problem. Not good ethics at all to not care that who gives you the loan might be deceiving people. They would not even let me talk to upper management they just said they do not deal with customers. Bad bad business ethics. Do not get a loan from these loan sharks. Beware beware

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
Consumer complaint received 02-08-2018 about Debt collection (Federal student loan debt) with Experian Information Solutions Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt was forgiven due to XXXX  and was agreed to be removed off my credit 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 non-monetary relief
Consumer complaint received 04-11-2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Closing/Cancelling account

Complaint: My Best Buy Credit Card, member since XX/XX/XXXX, was purchased by Citibank. I was charged the annual fee XX/XX/XXXX which covers the card through XXXX XXXX. My card expired in XX/XX/XXXX, I received a notice dated XXXX XXXX that my card would not be renewed due to a review of my credit. While I do not want the card or any account with XXXX, I do think its unfair and deceptive of Citibank to collect my annual fee, notify me after the card expires that my account has not be renewed. Why are they not required to do it prior to collecting the fee? To add more insult, they refuse to reimburse or credit the account for the annual fee. I was told that it could not be done systemically. I spoke to XXXX different customer service reps who all advised me of the same thing. They have also prevented me online access to my account to make a payment and I now have to call or mail my payments by mail. I also contacted them through social media and was promised a call within 48 hours and they have yet to contact me. My tax dollars went to bail out this bank yet they can not do anything to help the average customer.

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
Consumer complaint received 04-05-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (CT).
Issue: Managing the loan or lease

Complaint: I had a car loan out with this company more than a few years ago. I was in an accident and the vehicle was totaled. I had full coverage insurance along with full gap coverage. I am now getting letters saying that I still owe this company money on said vehicle. I have called several times to find out what and why I owe them money. The first few years they where telling me it was unpaid deductable. Which according to the insurance company was not the case. I have recently called trying to get answers to have this resolved and they are now trying to tell me this is for unpaid payments from the time of the total till the claim was paid? I asked them to please show me when and how much the payments where for and to explain why and how much I owe. They are unable to furnish this. All they ca ngive me is a total of what thy say I owe. I want this to be removed. There is no way I can owe them anything. My insurance says it was paid and the gap should have covered the rest! Im at my end with this. Please help.

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 06/17/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Chase Bank has been taking a long time to communicate with my payroll company. It is very frustrating that they are way behind on syncing my actual funds to other apps.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Franklin Credit Management Corporation (CA).
Issue: Loan modification,collection,foreclosure

Complaint: A letter was sent on XXXX XXXX, 2015 in response to a DEMAND LETTER from Franklin Credit Management Corporation. The letter was sent as a Respa Qualified Written Request and has not been responded to in the time required by law, validating the debt. Several documents were requested but none has been received as of XXXX XXXX, 2015, neither any acknowledgement of such letter.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ray Skillman Chevrolet Inc (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: my credit was pulled on  XXXX   XXXX   2015  I by  XXXX   XXXX   XXXX . I was already a customer and when I asked  XXXX  the  buy here pay here Manager, his response was he pulled it for locati on purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Unable to get a credit score or report because all of the ph # they day are associated with me are not, asks my mthly auto payment from purchase in XXXX & I 've never bought a car, asks about mortar from XXXX and I 've never bought a house or had a mortage, no score and no report and all associated cities and numbers are not associated with me whatsoever.

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 03-01-2016 about Mortgage (Other mortgage) with FLAGSTAR BANK, FSB (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I ca n't keep my home due to medical expenses, death in my family and currently unemployment. We opted to short sale the home and hired a Realtor on XXXX XXXX, shortly after we got an offer on the home and it was submitted to flagstar as instructed with all the supporting documents NOW on XXXX XXXX I was told that someone would be contacting me for an appraisal on the home and that they had a complete short sale file. On XXXX XXXX a person by the name of XXXX XXXX showed up and performed the appraisal as scheduled. I called Flagstar several weeks straight after that to see if they had the report already and I was told multiple times by several representatives that the appraisal report was n't in yet BUT that it sometimes takes 30 days for them to get a report. On XXXX XXXX I called to check on the report and was told by XXXX that the appraisal company had been trying to get a hold of me to schedule the appraisal and that they had NOT been able to make contact. I explained to XXXX that the appraisal had already been done and that we were just waiting on the report I provided the name and phone number of the person who had performed it and XXXX XXXX confirmed the information on XX/XX/XXXX BUT they keep on insisting that the appraisal never happened. I have left their " supervisor '' several messages XXXX XXXX ext. XXXX BUT have NOT heard back from her as of today. On XXXX/XXXX/16 I called and was told by XXXX that the appraisal order had been canceled on XXXX XXXX because the appraisal company was n't able to get a hold of me. PLEASE HELP in getting to the bottom of this situation. I have attached the written communication that my Realtor has had with these people. Thank you

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 03/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I 've sent several letters to Midland Credit Management to validate debt they claim I owe, they have failed to send proper documentation to validate the debt they claim I owe. The last letter I sent was returned back to me as insufficient address, when there notices has the address on there.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim of their security breach according to their equifaxsecurity2017.com website, and I would like a resolution.They did not notify me in a timely manner and put all of my personal information at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: I got married on XXXX/XXXX/15 which resulted in a name change. I contacted Bank of America as I have multiple accounts with them, two checking accounts, a savings account, and a credit card. I am also an authorized signer on my parents bank account, as they are on mine for emergency purposes. XXXX of my other sisters is also an authorized signer, and she lives out of state as well. I contacted my local Bank of America branch to confirm the paperwork I would need to make the change - except they would not allow me to make the change on my own. They are making me have every signer on the account come in and sign for my name change, keep in mind, no one else 's names or information were changed. I call the telephone banking number, I was initially told this should not be a problem and I should go back to the branch. I go back to the bank branch prepared with my legal documentation, again I was denied the ability to change my name without all of the other signers. The issue is, my father who is on the account, works out of state and there are no branches where he works. I call the telephone banking number again, I was told there is no way around this, but was told I could close my account with only my signature. I was also told this at the branch. Why I would want to close my account of 20 plus years and open a new XXXX, is beyond me. Especially when it would not fully resolve the issue, my name is on other accounts and I will not close my parents bank account. Bank of America offered to mail me a form to complete, I called twice on this form and kept being told " The form is on the way, give it time '' 2.5 months later, I am still waiting on said form. Bank of America 's policy on this is asinine, all I want to do is change my bank account to my legal name. I have done this same action with other financial institutions and all it required was a phone call and a form, no other account signers required. Bank of America 's policy is outdated and a major inconvenience to consumers and they offer no viable solutions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation