milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-05-2016 about Bank account or service (Checking account) with PNC Bank N.A. (NJ).
Issue: Using a debit or ATM card

Complaint: PNC BANK ALLOWED XXXX TRANSACTIONS TO MY CHECKING ACCOUNT THAT ALSO HAS A DEBIT CARD. THESE TRANSACTIONS WERE COMPLETED BY SOMEONE IN XXXX. I HAVE REQUESTED THE BANK FOR A PRINT OUT TO WHICH IT IS ON FILE. AT THE SAME TIME MY MOTHER KNEW HOW TO FILE A REPORT WITH XXXX SO THAT WAS COMPLETED THIS AM. I DEMANDED THE BANK TO PUT THE FUNDS BACK INTO MY CHECKING ACCOUNT THAT TOTALED {$740.00}. PNC IS ONE OF THE LARGEST BANKS AND TO THINK THAT THEY ARE NOT ON TOP OF THIS

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Debt collection (Medical) with GOLD KEY CREDIT, INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My name is XXXX XXXX XXXX and I am a XXXX XXXX XXXX. My son is also XXXX XXXX XXXX he is XXXX XXXX XXXX and we both live at XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX/XXXX/XXXX, my son went to XXXX medical services. They have charged my credit report for failure to pay this bill. I am a member of XXXX XXXX XXXX since XXXX and I have had medical coverage the whole time. When I called the Gold Key Credit Inc of XXXX XXXX. XXXX to explain they made a mistake, they told me I had to get my son to pay! I am estranged from my son. My Cell XXXX and email is XXXXXXXXXXXX. Thank you for your attention to this matterXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Credit card () with U.S. BANCORP (AL).
Issue: Late fee

Complaint: I have been for long, a customer of US Bank with all kinds of accounts with them, like Home Loan, Credit Card, Checking, Saving Accounts. I am a very good borrower, my credit score is a testimony to the same, stands XXXX Bank has recently charged me a membership fee in XXXX 2016 that was due XXXX XXXX, 2016. No note with regards to the fee or the due date or past due status, was sent to me or my address. But they promptly reported it to the credit bureaus and it dinged my excellent credit score XXXX very badly and left me in despair. There was no intimation with regards to the same, to my home address or even a courtesy call. I have requested for canceling the paperless statements in the past and it never got reflected in my accounts. I will therefore request US Bank to remove any reports to the credit bureaus, of delinquency on my credit card account and help its loyal customers build their credit.

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 03/19/2018 about Mortgage (VA mortgage) with U.S. BANCORP (TN).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX my husband was contacted by our Property Tax office here in XXXX County, Tennessee. They stated that our property taxes due had not been paid. I contacted our mortgage lender, US BANK, and they stated that the taxes were paid in XX/XX/XXXX and were returned in XX/XX/XXXX as a tax refund. It was not until XX/XX/XXXX that we found this out. According to US BANK, they have a work order on this. 
On XX/XX/XXXX we called our tax office and they stated that the taxes have yet to be paid. I called US BANK, spoke with an XXXX who said that when she spoke with the tax area of the US BANK that the work order is still open, but now has a rush on it. We have 2 parcels and she stated that is the problem. Taxes are paid by a 3rd party and US BANK needs to look into the situation before they can pay the taxes. In XX/XX/XXXX,  when the taxes were paid by the escrow with US BANK. there was no issue. I explained that these taxes are due at the end of the month and I will not incur more expense due to their negligence. Also, because my husband and I do not make alot of money, we were approved for a " rebate '' on our taxes, after they are paid. If they are not paid by the end of the month, we lose that too.

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 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I am filing this complaint for because XXXX has ignored my request to provide me with the proper documents that their company has on file and they are saying that they verified accounts but its been over 30 days and they still have n't sent me the correct information. I sent out proof that I traded in a car on XXXX and they are still showing a missed payment for XXXX causing damage to my credit. I 've made several attempts to resolve this issue but they continue to send me the incorrect proof of verification. XXXX  confirmation # XXXX, Transunion file case # XXXX, and XXXX confirmation # XXXX Under section XXXX XXXX XXXX ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed.

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 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: I 've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau 's ( XXXX XXXX Transunion ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts to be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores. A list is listed below. XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened 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 08/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Disclosure verification of debt : Right to dispute notice not received On XX/XX/XXXX I several new negative accounts were added to my credit report. The accounts are listed as " Trident Asset Management ''. I was never informed of these alleged debts and never received a notice of right to dispute. This is a violation of the Fair Credit Reporting Act 623 - 15 U.S.C. 1681s-2 ( section 7 of pg. 81 has been highlighted in the attached document for your review ). Based on these laws I should have been notified by XXXX/XXXX/XXXX however this never occurred and I suffered financial damages as result when applying for credit. 


Excerpt from attached FCRA are below : " ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 
( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. 
( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). '' See also 12 CFR Part 222, App B 70 Fed. Reg. 33281 ( XXXX/XXXX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Nationwide Recovery Systems, Ltd (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have recieved over 40 calls to pay a debtthat I do not owe to a XXXX company. The collection agency is Nationwide Collections. The debt is {$46.00} and they said they would settle for {$26.00}. I do not owe anyone any money. My credit score is in the XXXX and I pay all of my bills. I am tired of gettng these calls, day after day. The phone number is XXXX. XXXX, I think, is a company that sells face cream online. That order was cancelled because I sent the product back to them. So why should I pay them for nothing. I never ever heard from XXXX for a debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing/Cancelling account

Complaint: Capital one closed my venture card for no reason, I have always paid my balance within a month. I always use less than XXXX % of the credit that they provide me. They pulled my credit a few months ago to open my account, and now they are closing it and this hard credit check shows on my credit files. 
I had over XXXX reward points on the account that I did not use and they just went away.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: Navient chronically calls me about my loan being past due. Except it is n't. I 've printed a screenshot I would love to upload for you that is worth 1000 words. They constantly force you into the e-communication portal, but they never send any e-communications before a payment is due. I managed to get a 3 way call going with an attorney, and so now I get paper billing. Here is the issue with that ... my loans are due on the XXXX, and the billing comes on the XXXX, so that 's pretty useless as a reminder for the current month, so just get one month ahead ( which is fine ). But, I can see why they are being sued. Furthermore, my loans got LOST for years ( unsub and sub got split, there was a medical bankruptcy ) and there is a question about how much interest is my issue after the fact. XXXX XXXX was a whole other horrendous battle, I made repayments 3x to get the loans " rehabbed '' and they always failed to file paperwork on their end, which, as the customer ( and they swore at me, told me I had made a poor career choice, many other things ) should get me an interest load reduction. I can sue, or I can ask nicely and then sue. Either way, there are a lot of problems with all of these services and the QC is not there. Right now, if my loan is current, I would like it to be treated as current. No harassing calls, and for it to not show a due date of XXXX and then also say " past due '' on the same screen. Should be doable, correct?

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Debt collection (Medical debt) with North American Credit Services (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The North American Credit Services ( NACS ) started contacting me in XXXX 2017. They left a voicemail message, in which they butchered the pronunciation of my name to the point where I thought it was a wrong number. I did not receive any letter communications from them at the time. I called them back in XXXX 2017 - and they had informed me that I had a bill from the Hospital and that they had sent me letters as well. I informed them that I never received any written communication from either the hospital or NACS. They identified that NACS and the hospital both had the wrong address on file. NACS agreed to not contact the Credit Bureaus. I, then, contacted the hospital and informed them that I never received a bill from them ; the hospital identified that they had not sent out any bills to me, prior to involving NACS. The hospital apologized for their mistake and stated that they will email NACS to clarify the mistake.
XXXX/XXXX/17 - NACS sent out a letter in an attempt to collect this paid bill from the hospital.
XXXX/XXXX/17 - I called them to clarify everything. One person informed me that they had already contacted the credit bureau. Another informed me that they had not contacted the credit bureau. Then another person informed me that they did indeed contact the credit bureau but deleted it because of the wrong address issue. I asked for a copy of the retraction letter and they informed me they could send it ; however, they could not admit that this should never have been reported to the credit bureau to begin with, given it was NACS and the hospital 's fault - I had never received the original bill. They refuse to write a retraction letter explaining that I was not at fault for the delinquent bill since I had never received a bill. I informed them that I did not want a retraction letter without a statement saying the credit bureau was incorrectly contacted due to NACS and the hospital using the wrong address to contact me. However, they refused to write a letter. I called their complaint division several times, but the extension does not work.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (Credit card) with DISCOVER BANK (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I get a judgement on my credit report filed by Discover Bank that I was not notified of. I request this illegal action to be removed from all my credit bureaus in a 5 days turn around. I completely disagreed with the method Discover used to put a judgement against me without any notification.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I checked my credit on XXXX on XXXX XXXX and my Transunion report only showed XXXX hard inquiries. The next time I checked it, around the middle of XXXX, XXXX inquiries showed back up. I was not notified that they would be reinserted. I 've called transunion several times to get this resolved and they have been very rude and will not help me.

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 06/27/2017 about Mortgage (Conventional home mortgage) with KEYCORP (WA).
Issue: Trouble during payment process

Complaint: I closed on a 15Y conventional mortgage with KeyBank. I requested all documents go to my address on file ( prior home ) and not the new home. I confirmed this with my mortgage banker, XXXX XXXX. We never received a statement to may the first payment in XXXX. XXXX. XXXX  was able to get it and email me a copy. Two weeks into XXXX, I still had received no documentation from KeyBank since closing. I contacted XXXX. XXXX again and he asked me to call the XXXX number and as this is the job of the folks at that number. I did so and spent 45 min on the phone trying to get things sorted out. As of today, XX/XX/XXXX, I have received a paper address change form with no return information explicitly stated on it nor a return envelope and no further paperwork. I called again this XXXX and was told that they " always '' send the paper confirmation and that is why the previous person did not tell me it was coming. They blamed me on more than one occasion, stating that the problem must be that my mail forwarding is the problem. My mail was not forwarded untilXX/XX/XXXX. Two different people have no idea why, I am not receiving anything. The only answer today, was to transfer me to the online bank dept to enroll and pull up my statements electronically. I have been trying to accomplish this for a month already and it always tells me it can not confirm my account. I was able to create an online profile this, but the person on the phone failed to verify my ID using " public record '' questions and told me he could not longer help me and I could call back or go into a branch.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I tried to dispute this information on Experion 's website according to the procedure they themselves give you to follow, but - as usual - the site did not allow me access to their services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working with wells fargo since XX/XX/XXXX regarding my mortgage and my sicuation wells fargo did nothing but toy around with me and waste time buy time by lie and until XX/XX/XXXX they sold my loan to XXXX they are not good refuse to send me statement stopping me to work on my loan and get help from other organization I asked wells fargo for mortgage forgiveness because do to my health issues I will never be able to work currently I am waiting for my benefit to go through. 
wells fargo did not care and did n't look into my situarion. 
I do n't want to become home less if its happens its purely wells fargos fault this loan was a Wachovia loan with been bought by wells fago and currently owned by wells fargo I was cheated and person and the invester who got this garbage are made tun if money and walk free and I am stuck with this loan XXXX is not good they are very slopy and not 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 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIFTH THIRD FINANCIAL CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: While reviewing my credit report, there is an account listed as closed for XXXXCARE CREDIT with current payment status : In Collections/Charge-Off dated XXXX XXXX, 2013. The remarks indicate : Payment after charge off/collection purchased by another lender. I would like detailed information regarding this collections listed on my credit report. I have never received any information advising of any unpaid balances. If this information can not be provided, then I am requesting this error to be removed from my credit.

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 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: A collection account was removed from my credit report and then added back on.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: DiTech, a " XXXX XXXX '' became the successor in interest to Greentree ( which had purchased our mortgage loan from XXXX XXXX I believe it was ). Around XXXX XXXX we received our annual escrow statement showing a large positive escrow balance accompanied by a " Shortage Adjustment Notification '' proposing a {$64.00} per month increase in the escrow portion of our monthly payment, accompanied by a footnote that the information provided did not require any action on our part. I took no action because I could not determine how they calculated a shortage. The XX/XX/XXXX Payment went with the standard payment - the pre-shortage notification payment and DiTech lowered the boom. It did not credit me with the XX/XX/XXXX payment at all, but deposited it to a suspense account ( whatever that is ), imposed a late fee of {$120.00} because the XX/XX/XXXX payment " had not been made '' ( on the escrow shortfall of {$62.00} ), claimed we were a month in arrears on our mortgage and will undoubtedly up the late fees and charges when I refuse to pay the late fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have student loans with Navient. Instead of trying to get my loans to a payable monthly payment. They put me in forbearance every time I called and the interest keeps accruing making the payments even higher. They are not interested in helping the borrowers at all.

Company response to consumer: Closed with explanation