milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/25/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been a customer of PNC for over 11 years now and have had no complaints until the last few months. I have spoken to several customer service and supervisors over the last 2 months and hope that this letter will get to someone that can take care of the problem. 
In XXXX I became aware that escrow had been added to my mortgage without my permission or any kind of warning or contact from PNC. After talking with several customer service representatives they informed me that a letter was sent to XXXX XXXX 's XXXX XXXX XXXX Va. XXXX informing me that my taxes were not paid and on the mortgaged property of XXXX XXXX XXXX XXXX Va. So I never got the letter because my address is XXXX XXXX XXXX XXXX XXXX VA XXXX. 
After doing some calling and finding out why these tax bills were not sent to my mailing address we found that the county was sending the bill to the old address we lived at 2 years ago and the forwarding was expired. I have since called the County and changed the billing address to XXXX XXXX XXXX XXXX. 

On XXXX XXXX we sent and check for {$1300.00} to take care of the taxes paid and another check for {$1100.00} for the mortgage loan we established in XX/XX/XXXX. The checks were check numbers ck # XXXX {$1100.00} and ck # XXXX {$1300.00} both cashed on XX/XX/XXXX. At this point we need to take care of changing our loan back to the {$1100.00} that was signed and agreed on in XX/XX/XXXX and all escrow needs to be removed from my loan. 

We have never been late on a payment and have automatic deposit set up for PNC Mortgage. I feel they should have sent a certified letter to let us know this change was taking place. Please help us resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My Husband and I received our XXXX Form from Wells Fargo Bank N.A . 
for our mortgage loan # XXXX and the Outstanding Mortgage Principal is off by {$3800.00} ( the principal payments made in XX/XX/2016 ). 
I checked our amortization sheet and the Wells Fargo Statement for the year end amount, in XX/XX/XXXX, which is {$110000.00}, NOT $ XXXX Thank you for helping us to rectify this error. 
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 08-07-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian has a ongoing issue of not updating my correct address I have hade to pay people to help me with this before however it cost me allot of money Experian seems to go out of there way to cause chaos and have no fear of doing so when I try to dispute this issue myself the online system ask me security that make no sense and can not be answered correctly and a screen come up saying unable to complete please fax your dispute to this number

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 09-12-2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: fraudelent inquiry. identity theft

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .the accounts listed on my credit file as follows XXXX  /cbna, XXXX XXXX , XXXX XXXX. I also am a victim of the equifax and XXXX data breach. State issued ID have been compromised and my social security has been compromised. I have filed a report with the FTC listing and stating the above named accounts as fraud. 
I am not responsible for any charges made to these mentioned account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Payoff process

Complaint: In XXXX XXXX we contacted Synchrony Bank and were told our pay off amount would be {$3100.00}. We then doubled our monthly payment to expedite the payoff. XXXX XXXX we contacted Synchrony Bank again and was told that the pay off amount was around {$2400.00}. That figure seemed too high so we asked for a copy of all the invoices as well as a copy of the contact agreement. We were under the impression that it was 3 years deferred interest but was told it was only for 1 year. We are very knowledgeable on interest rates and compound interest. The company then sent us a letter stating that the information we requested about our account was no longer available.

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 04/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Navient  automatically un-enrolls borrowers from their " autopay program '' if the borrower attends school again. The autopay program is beneficial because it gives the borrower a lower interest rate and automatically deducts payments monthly. The catch here is that, when the borrower calls to request being re-enrolled into the autopay program, they are told by customer service that they will be enrolled the following month. Then, they are never enrolled, interest continues to accrue, and payments never made. This allows  Navient to siphon money out of these accounts in two forms : 1 ) by not allowing current students to be enrolled in autopay while still enrolled in school, or 2 ) actually lying to students, telling them they will be re-enrolled, and then no action takes place. Meaning higher interest rates are applied to the loans during these " periods of confusion ''. If you graduate with student debt and return to school ( grad school ), you will be removed from autopay without warning, your interest rate will increase and no payments will made. Untill the borrower notices this, and contacts Navient, interest accrues while the borrower is under the impression that they are still making monthly payments. Upon contacting Navient, customer service representatives falsley confirm re-enrollment into autopay for the borrower, which never takes place, again allowing time for interest to accure at a higher rate while the borrower is under the impression that the issue has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (IL).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: Transworld is a record keeper for XXXX loans but I asked on XXXX/XXXX/16 and XXXX/XXXX/16 for proof of debt but I never received it and now Transworld will send this debt to a law firm. It is illegal to do this because I have asked several times for proof of debt, the only item I ever received was a promissary note with XXXX XXXX XXXX on it. No mention of XXXX or Transworld, I want all of the XXXX loans forgiven due to the company violating the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I need this company investigated because XXXX will keep trying to sue on this debt even though they do not have proof that they own the debt, they offered to settle the debt for XXXX % which is not something I will do.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I submitted a fraud dispute on XX/XX/2016. Equifax actually deleted the account from my credit report but Experian failed to conduct a proper investigation and the account still remains on my credit report. It only took Experian two days to complete my dispute request and states changes were made to my report but the account is still there without any changes.

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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information may have been compromised in the Equifax security breach earlier this month. In today 's world it is basically impossible to make major purchases without developing some sort of credit history. Essentially consumers are forced into using credit cards, and therefore divulging personal information to 3rd party companies such as Equifax. There should be certain safeguards/security in place to protect this data. This was not done for millions of people and that is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: IMPROPER USE OF PERSONAL INFORMATION UNDER THE FDCPA GUIDE LINES.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: 16 listed Florida scams frauding my birth certificate of XXXX XXXX XXXX of XXXX XXXX Indiana of XXXX XXXX frauding also my parents marriage and divorce records which are white documents and serial numbered documents and mom is decest ofXX/XX/XXXX No fraud is authorized There frauding scams frauding my documents frauded my national security clearance data and va mail and Indiana social social date and insurance policies and finger prints cards and FBI back ground checks and medical records and passport data ext my police files and commodity broker career and IRS records and mail and family marriage and divorced record and banking data which I was shoved out for 18 years and always a turn down by bank 's for me for credit and credit cards and loans and also refusal to pay my insurance when I was robbed,

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 12/31/2016 about Debt collection (Medical) with Convergent Resources, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Ok, I checked my XXXX credit report, and these XXXX are harassing me for {$6.00}!!!!! REALLY?!!! I HAVE NEVER EVER seen these providers in my XXXX life, I do not wan na hear a XXXX thing about contacting the police either, bc I have already done that. I have spoken to several reps about this, all XXXX were rude, one of them asked me a question abt Medicaid and XXXX. It 's none of your XXXX business what insurance I have, also ... the police DO NOTHING abt ID Theft unless your XXXX is famous!!!!!! That does not work!!!!!! I know XXXX other people that have had the same stuff happen, and they did nothing ( the police ).

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (MI).
Issue: Loan servicing, payments, escrow account

Complaint: This has been an ongoing process, but, we have a mortgage with Flagstar that we fell behind on in XXXX. After a modification nightmare, we finally had it modified and brought current in XXXX XXXX. I had made some payments that had bounced out of my checking account. Some of those payments were my fault, with not having my checking balanced correctly, and some were not, such as multiple payments on the same day being made. Anyway, on XXXX XXXX, XXXX, we were due for XXXX, XXXX, with XXXX being due by the end of the month. I made XXXX 's payment on XXXX 1. I was in contact with XXXX XXXX from Flagstar 's contracted mortgage servicing company in XXXX, and told him when I would be able to catch all of it up, before the end of XXXX XXXX. On XXXX XXXX, Flagstar had reversed all of my payments that had cleared my checking from checking dating back to XXXX XXXX, XXXX. They also reversed some of the payments 2 times. This had brought me back to XXXX XXXX, owing, when this was not correct. I have been trying to work with XXXX XXXX, and his supervisor XXXX, for almost 3 and half weeks, with no progress. Bank statements have been sent, and the cashiering department at Flagstar still says that it is still past due to XXXX XXXX. I have made a payment in XXXX, and still do not know where this has been applied. I made another payment by XXXX XXXX, and thought it was applied, only to find out a week later that it was returned. We are at a loss, since I am only able to speak to those XXXX people. 
Here are the dates and the amounts that were reversed, which should not have been, because they have cleared my account. I have also included the date that it had cleared my account. 

XXXX {$1200.00} cleared XXXX XXXX, XXXX XXXX {$1100.00} cleared XXXX XXXX, XXXX XXXX {$1100.00} cleared XXXX XXXX, XXXX XXXX {$1100.00} Cleared XXXX XXXX, XXXX This should bring me to being due for XXXX, XXXX and XXXX. I have tried to make the XXXX and XXXX payments and those were not accepted. I still have the funds for them. 

None of these funds were credited back to my checking accounts, and they are not letting me know where they have been applied to.

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 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: Several times I have communicated with XXXX XXXX, Experian and XXXX to notify a mortgage account that does not belong me. The account reported in my credit is XXXX XXXX XXXX XXXX * XXXX. This account I try to fix this problem and sending the evidence that I found in XXXX XXXX county clerk. Even with the evidence XXXX XXXX, Experian and XXXX do not answer to the investigation as the law required. I want that they present the evidence that they have or otherwise this account must be erased of my credit report immediately.

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 09/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Conns Applicances keep calling this business phone XXXX XXXX trying to get into contact with an employee who is no longer with us but they constantly harass us with calls XXXX times a day. We ca n't run our business properly if they are constantly calling. It 's become a harassment at this point and we just want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Deposits and withdrawals

Complaint: An unauthorized transfer was made from my account to XXXX XXXX ; a dispute/claim was filed but could take months to resolve. I contacted XXXX XXXX, they gave the error code XXXX and told me to contact my bank ( Wells Fargo ). No one seems to know what XXXX is, but a simple XXXX search shows it 's an unauthorized transfer from the originator. It 's in the amount of {$250.00} on my account. This complaint is in regards to the unauthorized transaction with hopes that the money will be returned to me faster than your claims process.

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 03-09-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AR).
Issue: Problems caused by my funds being low

Complaint: bank repeated ly cause me to be over drawn. would not remove XXXX charges. card reader inoperable. {$7.00} on XX/XX/XXXX they now do n't show the XX/XX/XXXX check I wrote to the XXXX I attend. they hold withdraw from account then post it after so you can be overdrawn. I have chked accont @ XXXX then @ XXXX and it is totally different than it should be. when I print it out then net time I have difficulties doint so.

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 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (WA).
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: My account is in Forbearance states from XX/XX/XXXX-XX/XX/XXXX but Fed Loan Servicing posted a 90 days late in XX/XX/XXXX and a 120 late in XX/XX/XXXX. I contacted Fed Loan Servicing and they were unwilling to correct the reporting and told me to send in a dispute to the credit bureaus. I sent in the dispute with documentation from Fed Loan Servicing that proves my account is in Forbearance during those dates. XXXX was able to remove the 90 day late and the 120 day late due to the supplied documentation but XXXX was only able to correct it to show that it is " paid as agreed '' in the comments but the 90 day late and the 120 day late remains. i was told by XXXX that Fed Loan Servicing was n't willing to remove that. This does n't make sense. If there is n't anything due and it is current how can it still show 90 and 120 days late? XXXX was able to clearly see that it should n't be reporting that way but XXXX wo n't make the change.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Received a settlement letter from the company, called to let them know this bill was paid to the original creditor back in XX/XX/2014. The Representative was very rude and boys that I should not have paid XXXX I should have paid them and its a valid da representative was very rude and boys that I should not have paid XXXX I should have paid them. And although I have disputed this matter with validation they continue to claim to credit bureau this is s valid debt, which negatively affect my rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MD).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: A letter was sent to my house today XXXX XXXX 2017 ( date on the letter XXXX XXXX 2017 ) which states I opened an account and they are closing it due to serious delinquency. I never opened an account with this online store ( amazon.com ) or the bank behind it ( Synchrony Bank ). I called their fraud department and they asked me my social security number, which I refused to give but gave last four digits so they can find the information about the fraudulent account ) so far, they said no account was found with my social security number but they reported me to XXXX, which lowered my credit score I am trying to ameliorate. The person I talked to, also tried to get my father 's social security number, we have similar names. I never opened an Amazon store credit card and definitely never plan to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Medical debt) with PMAB,LLC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have spoken with the original creditor in this the reference to account number XXXX XXXX XXXX XXXX XXXX they have informed me that the account was handled and paid in full. They informed me that there is no reason it should be reporting on my credit and leaving damaging effect to my credit reports. it is against the law to still report on the credit reports if the account is in fact paid and settled It also violates my rights a consumer and could be a penalty against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: repeatedly called me, my wife, my daughter about a debt i had problem paying. Threatened to come to my office, sue me, contact my HR office, and shouted and belittled me. 
Portfolio Associates of VA is a corrupt organization. 
I have contacted the company that I had purchase the items with and started repaying directly to them. 
But nothing stops Portfolio

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2017 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Other fee

Complaint: I was charged and " Annual Membership Fee '' of {$95.00}. 

I do n't understand why I should have to pay this.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Closing/Cancelling account

Complaint: I opened a Chase Amazon Rewards credit card a year or so ago, and I 've been wanting to close it. I 've had difficulties using the Chase site, which resulted in a few late fees, but that is n't the problem. The problem is that the card is XXXX paid off, no pending payments or transactions, and that there is no way I can find on their site to close the account, which I no longer need. When I called the XXXX number, I just had someone ( probably a recorded message, because it sounded the same each time I called ) that says " Hello '' and just hangs up. While I 'm no longer accruing interest on this card because there is no balance, I just do n't want it anymore and I 've searched the site everywhere for a place to close the card or information about it and I have had no luck.

Company response to consumer: Closed with explanation