milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2017 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2017, I deposited into my PNC checking account, via the PNC ATM at the XXXX XXXX XXXX, XXXX XXXX PA branch of PNC, a U.S. Treasury check made out to myself and my husband. This check was properly endorsed by both myself and my husband, and the address on the front of the check under our names matched the address of my checking account on record with PNC. I received a copy of my receipt with the deposit. 
Two days later, XX/XX/2017, I checked my PNC account online. It showed that the funds from the check had been deducted from my account and the check was listed as " Unpresentable. '' The representative at the branch office, with whom I just spoke, said " Unpresentable '' in this case meant that both myself and my husband had to present ourselves in person in order to deposit this check - and that the only checks she had seen this happen with were US Treasury checks! The check ( or the legal facsimile of it ) would by mailed back to me via USPS, untracked, adding additional days to the process of re-gaining access to it. 
PNC has issued no security alert, no email or website or statement warning, to its customers regarding its new " policy '' - indeed the PNC employee with whom I spoke did not know of a written version of this " policy. '' Despite having my phone # and email address ( and contacting me for all manner of other things ) PNC did not contact me about this action it took ( removing the funds after accepting the legally endorsed check ) - it is only because I happened to check my account online that I even knew what PNC had done. If PNC is going to have different rules for US Treasury check deposits it MUST PUBLISH THEM AND ALERT ITS CUSTOMERS.

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 EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX I completed a Student Loan Consolidation with XXXX XXXX XXXX XXXX XXXX. Every month since then the monthly payments are automatically deducted from my checking account. On XX/XX/XXXX I  received a Credit Alert stating that my score had dropped from XXXX to XXXX because my student loan payments were 90 days late. I contacted the XXXX XXXX XXXX and they said that my account was due for a recertification. I asked why I had not been notified and the representative did not have an answer. On XX/XX/XXXX XXXX XXXX XXXX sent me a notice to recertify. 

The payments have been made every month and yet a report was filed with the credit reporting agencies stating that I was 90 days behind. I believe that XXXX XXXX XXXX XXXX XXXX is responsible for this negative action. In addition to my monthly student loan payments I pay them to handle my account. They failed to do the work and notify me when it was time to recertify. This resulted in a drop of over 100 points on my credit reports. I need them to take care of this and get my credit standing to where I keep it.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: Many payments made in XX/XX/XXXX to Coinbase you can pay in but cant get your money out wont verify my bank account even though I sent them XXXX euro asked and they sent it back to my bank account so verified yes,, NO been going on now for months emailed them many times this company sucks

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (SC).
Issue: Problems caused by my funds being low

Complaint: SunTrust has continually been charging me bogus overdraft fees and they also charged me {$51.00} in account maintenance fees. I 'm tired of it. Occasionally I have to transfer money from my savings account to my checking account as my paycheck fluctuates. Despite the fact my account balance never goes negative, they now charge {$12.00} for the privilege of me transferring my own money. They have also recently revised their rules so that even if the money is in the account before close of business, they will still be able to charge the {$12.00} overdraft.

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 08/23/2016 about Debt collection (Credit card) with Michael Haynes & Associates, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX from Michael Haynes and Associates has called around and threatened people that I owe a debt and that they would be going to court. I owe no such debt and I am not too happy that he would slander my name with people i respect. He also would not give me an address to communicate with him. He threatned to sue the corporation, take my house, my paychecks and sue people that i dont even know.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have a secured credit card with Capitol One, I had activity charged to my account in the amount of over XXXX dollars, and they closed acct, and issued new card, however the amount removed from bill ... they also did not re-install available credit amount that exceeds XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Bank account or service (Checking account) with PNC Bank N.A. (MD).
Issue: Deposits and withdrawals

Complaint: On or about XXXX XXXX of this year, I spoke with a " Service Representative '' at the 'Main Office ' at PNC Bank in XXXX , Pa . I had called because I saw a pending payment to XXXX XXXX XXXX Co . I requested a 'stop payment ' because no application should have been submitted to them. I was told that I would need to file a 'dispute. ' I asked if she would do it? She replied that she would. I, also, requested a stop payment on any request coming from " XXXX XXXX '' and, and, again she said yes. 
However, both requests were ignored and PNC paid both and, immediately, begin charging me overdraft fees which totaled over {$100.00} for the month of XXXX 2016. 
On XXXX XXXX, 2016, I asked the 'Representative to transferred {$900.00} from savings to checking to cover overdrafts and 'accounts payable. ' To my surprise, when I checked my balance that afternoon on the same day, my 'personal checking ' showed a negative balance of {$840.00}. The teller at the " XXXX XXXX '' located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD. corrected the and I had a balance of {$58.00}. But, on XXXX/XXXX/16, I, again, checked my balance and had a negative amount of {$110.00}. 
I want PNC Bank to return to me all the monies owed me for overdrafts and fees which should not have been charged My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX , MD. XXXX. Home Phone is XXXX. My cell is XXXX My 'personal account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Debt collection (Credit card) with ASTA FUNDING INC. (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Palisade Collection bought a credit card debt and forwarded it to XXXX XXXX XXXX now known as XXXX and XXXX to be collected. A judgement had been placed at least 8 - 12 years ago. They garnisheed for it. The XXXX was collecting on my salary so this discontinued. They are now telling me this is not time barred debt, that it is a " money judgement. '' which there is no explanation for. They tell me it is XXXX credit card so I am confused as to why it would not be time barred. They are now threatening to lock my bank account to take funds. My husband & myself are both XXXX and I have a XXXX XXXX. This requires a lot of medication. I can not have my bank account locked and funds taken. This would be beyond detrimental. I need someone to help me on this case.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Credit card () with DISCOVER BANK (TX).
Issue: Payoff process

Complaint: Discover has misreported a balance on a credit card that was paid close to 4 years ago. I pulled up my credit report and it is still showing a balance even though I already paid it. This has caused stress on my credit report. I 've written them a letter and disputed it on my credit report however nothing has been resolved. Please help me get this account removed or reduced to what is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Managing the loan or lease

Complaint: Plain and simple my car was totaled in an accident XX/XX/2016. My insurance paid off the car and I had gap insurance just in case I ever needed it. Capital One Auto Finance added late fees and other finance charges and stated I now owe an additional XXXX and they are reporting to the credit bureaus as an open account. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I went to XXXX seeking help to modify the interest on my home loan. When we ( wife and I ) signed the documents, with Select Portfolio Servicing who were with with XXXX, we were not aware of the final balloon payment on the interest bearing principal balance added to my mortgage. I was never given a copy of this agreement. I became aware of this recently when I asked the homeownership counselor what my final payoff will be, the told me about this new balance on my mortgage. I feel that fraud and misleading information has taken place. This organization was not upfront nor honest with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit card () with Synovus Bank (TX).
Issue: Other

Complaint: I applied for this credit card that i had to pay the credit limit of {$300.00} Dollars and the company where very rude and hung up in my face each time i called so i called to inform them i wanted to close my account. The guy who i spoke with would not give me his name and would not close the account and send me back my remaining balance. Months later due to them not closing the account when i requested late fee 's were added to the account and ended up having me owing {$120.00} Dollars for fee 's i did not create.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: that was filed in my chapter XXXX in 1998

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Debt collection (Credit card) with Credit Card Receivables Fund Incorporated (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: this was owed to another company and unifund ccr ppartnerr said the bought the loan its been since XXXX I tried to make a payment but what I was able to pay they refused to accept now they have doubled the amount and twice the interest rate because unifund was after my house that I lost in XXXX do to illness I have XXXX had XXXX I need help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 have requested the below-listed problems be fixed several times. The  Cre  dit agencies and letters and telephone calls in vein to the Company reporting  the trademarks in error. Every trademark being reported has errors listed, The most serious, is  XXXX , and   XXXX   XXXX   XXXX    XXXX . They are reported as being in collections, payment status is still listed incorrectly today. The Trademarks have been paid in settlement and paid in full,  XXXX /2015, respectively.  See Attched documents : There are four more Trademarks with issues listed on each Credit repor t.   XXXX   ENCL 1 : Disputed items ENCL 2 : Copy of how I want item fixed ENCL 3 :  Letter, Payment etc. Bach-up documents for my claim

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 06/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CNP Solutions (GA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: XXXX XXXX with CNP Solutions pretended to be an attorney and threatened to have our daughter arrested over a debit to XXXX from 2009. The amount he tried to collect is also XXXX the amount she owed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Credit card () with DISCOVER BANK (MD).
Issue: Advertising and marketing

Complaint: I have applied with Discover credit card on several occasions using the pre qualify link. Once you enter your information it comes back and says personalized offer for you. I have then completed the application to see if I qualify. The message then comes up denied. I then had a friend apply who has a much lower credit score than me and it still came back as this is the personalized offer for you. Once they applied it came back as not approved. I feel that discover is just getting people to apply while they already know the person will not be approved. This causes hard inquiries to post to individual 's credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (VA).
Issue: Managing the loan or lease

Complaint: I had XXXX accounts with Santander. Both have been paid off, but Santander continues to report an outstanding balance even though I have informed and disputed. Account XXXX was repossessed XX/XX/XXXX and I paid settled the charge off XXXX XXXX. I even filed with appropriate tax document earlier this year. XXXX was paid off over a year ago and I possess the title. I have attached all supporting documents. I can not understand why Santander refuses to report accurately to the credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (TN).
Issue: Account opening, closing, or management

Complaint: US Bank XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX they said i ought XXXX i never had that bank and even that money they stole my identity

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 10-01-2015 about Debt collection (Non-federal student loan) with Radius Global Solutions LLC (IL).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: On Thursday XXXX XXXX, 2014 I received a call on my landline phone from Central Credit XXXX Services on behalf of XXXX XXXX at XXXX. The call originated from telephone number XXXX and was placed to my home phone number XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Castle Credit Co Holdings (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I was just notified by XXXX XXXX  that I have a lien on my property through castle credit. I have a water system and castle credit finance me for the system. What I didn't know that they put a lien the minute you except the loan. I tried to refinance my house and it can't be done because of this issue. I talked to someone in castle credit and he stated that they do this with all there customers I hadn't had the loan only since XX/XX/XXXX. I am trying to get this matter resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I like to inform you that these items on my credit report should be removed. Because I do n't owe any balances to the company. I never open a secured credit card with XXXX. I am going to provide the letter from XXXX that proves I never open the account. At this time I like for you to remove them from my credit report to reflect my true accurate credit report. So, that my true character will be shown to my current creditor and other creditors whom inquire about my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have a debt on my credit report with XXXX, which is past due over 180 days. This is the ONLY negative on my credit report. the item has been disputed on complaint # XXXX as I filed chapter XXXX bankruptcy in 2003 and all debts were included in that. My additional problem is this same debt was under the name of XXXX last year and removed, XXXX the year before and removed, XXXX the year before and removed and so on. When this debt is deemed uncollectible by the debt collector and this info is disseminated back to the loan holder, it is then sold to someone else for collection the next year. This has hurt my credit terribly cost me money in points and higher interest rates, and wasted my time and other, plus being a fraudulent practice on the part of the creditor, the reporting agencies and the collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have auto payments and sound XXXX, they did n't try to pull the payment until XX/XX/XXXX and they are relying on the contract I signed discussing extra days for holidays may cause issues. I knew that and that is n't the issue. The issue is that they are purposely creating a loop hole in that contract to unlawfully obtain non sufficient funds fees or return charges they are n't entitled to. They do this by designing their web page to flag the consumer with red at the top that their " payment is currently past due. Would you like to make a payment now? '' And then a box that says " make payment ''. You click make payment and it takes you to the payment screen where it pre-selects that month because, again, the system is flagging the consumer for a late payment for that current month. I verified the month selected was XX/XX/XXXX as it was flagging me and made the madement. Absolutely no where on the web pages does it state that that payment iteself will take an additional four days to process, EVEN THOUGH IT WASNT A HOLIDAY, there is no information stating you ABSOLUTELY have to issue a stop payment for the regular scheduled payment that their own system flagged you as late or it will try to continually take both payments three separate times. They also do n't state that the system then decides for you where the funds will go instead of just cancelling the funds or placing them in the month you, the consumer selected, the system takes it and puts it where they want it and then continue to charge you for the month you attempted to pay twice. They owe me XXXX non sufficient funds return fees because their system is directing their consumer to do an action that they have policies and procedures against. ITS A TRAP TO UNLAWFULLY GAIN MONETARY VALUE THEY ARENT ENTITLED TO VIA INTERNET PROTOCOL. This is after they opened false accounts in our names to unlawfully gain monetary value they were n't entitled to and also after they initiated contact without requests ... how long are you going to allow Wells Fargo to rob American consumers?

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 09-08-2015 about Debt collection (Medical) with AR Solutions Inc (IA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: ACCOUNTS REC SOLUTIONSAccount Number : XXXX Opened : XXXX : Paid, Closed. 

I called ACCOUNTS REC SOLUTIONS on XXXX 2011 in regards to bill that was sent to them as a collection, on behalf on physician lab. I was unaware about this until I contacted them, and when I did XXXX of their representative informed me that as long as I make some type of payment continuously this will not be sent to the XXXX. Unfortunately, it was sent to them, even after I paid the account in full. I contacted the XXXX and informed them of the situation, and they told me to contact the collection agency and ask them to request the XXXX to have the deliquency removed. The supervisor who I spoke to stated that she will not do that because it will require tremendous amount of work for her to do so, therefore she ca n't do it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Closing/Cancelling account

Complaint: I have been trying to cancel a XXXX credit card from Bank of America, and request annual fee refund. When I initially called, Bank of America associate ensured me that my card will be cancelled, and the recently charged annual fee will be refunded. 

The card appears to be cancelled, however the balance for the annual fee still appears in my statement. 

I have attempted to call twice already, and both times the wait time exceeded 40 minutes. I tried to submit the request online, but received a message that these types of requests have to be taken care over the phone. I am calling again today, still on hold.

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