milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/22/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (TX).
Issue: Trouble during payment process

Complaint: I have a mortgage with  PNC  BANK. I 've had this mortgage for years. Now my payments are changing without notifying me in advance. They are adding insurance that I already have and taking the money out of my Escrow. I can never reach anyone at PNC. There is a recording. This is wrong. They are literally taking my Escrow money and doing what ever they want with it. I never miss my monthly payments, yet my balance on my home is much higher than what it should be. The balance has gone up and not down. This company is not operating in compliance. I need your help with this matter. I want to put a stop to this and get my statements from PNC. I also want all money taken out of my Escrow for insurance that I already have returned.   I thank you in advance for looking at my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Transaction issue

Complaint: Best Buy has been charging me, monthly, for a service of which I never signed up. The service is something XXXX ( taken directly from my statement ). When I called in to inquire about this charge, of which has been charged to me for the last XXXX years, they told me it was for a " geek squad insurance plan '' for my iPhone. The problem here is that I would have never agreed to insurance from Best Buy for an iPhone, as I am covered, and have been covered, from XXXX for over XXXX years for all of my cell phones. I would never have agreed to having XXXX different insurance plans for a cell phone. When I asked Best Buy to refund my money, they refused. I requested proof that I authorized the monthly charge, and they were unable to provide that, either. This was a hidden and very deceptive charge, obviously, and Best Buy needs to be held accountable. I know I should have checked my statements previously for this charge, however, the monthly amount was so small and I am on an automatic payment plan ; therefore, I did n't notice until I was looking online to determine if I purchased a warranty for another purchase from Best Buy. Bottom line, Best Buy is trying to, essentially, steal money from consumers and I feel that the CFPB should investigate this practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Applied for PSLF and was denied. No credits even though I made 10 years of payments. I am just finding out my payments did not qualify yet I was not informed about that when I started.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Bank account or service (Checking account) with PNC Bank N.A. (WI).
Issue: Deposits and withdrawals

Complaint: PNC Bank withdraw slips read : I, XXXX The undersigned XXXX, do hereby acknowledge receipt of $ XXXX Amount XXXX however they are requiring this form to be signed in advance, without receiving the funds, before they will transfer or relinquish the funds from my account. I refuse to sign for money I have not received yet as long as the verbiage stands, and the bank refuses to change the funds to a non past tense statement. 
I would be fine signing a withdraw document that had better verbiage, or signing in after actual receipt of funds. But in the current form it produces a legal liability and I refuse to perjure myself just to access my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: TransUnion is not allowing me to lift the security freeze on my credit report. I have tried having the security freeze lifted by using TransUnion 's website and by mailing in a written request but have not received a response.

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 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The company XXXX has been consistently reporting incorrect information in my comments that account is closed at consumer request They have reporting balances as the account is good standing and never late but refusing to update status to open since is account open with a paid statement every month. This has been going on since XX/XX/XXXX. I receive automated letters saying it will update in 30 to 60 days. This is my 3rd letter of this kind saying that. The last one in  XX/XX/XXXX but XXXX investigated with a reponse that account closed with a Balance deceasing every month.

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 10/17/2016 about Student loan (Non-federal student loan) with Ability Recovery Services, LLC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been attempting to work on my credit for nearly 2 years now. I have been contacting creditors who I owe money to to try to pay what I owe. There are however a few creditors who are attempting to collect money from me that either I do n't owe or am unsure that I owe the amount they state I owe. Ability Recovery Service is XXXX of the collection agencies who say I owe money I am unsure I owe. 

Ability Recovery Service popped up on my credit report about a year ago. Well into the process of me rehabilitating my credit report. At first I attempted to dispute the account because The amount they were showing was outrageous. When I received investigation results from the XXXX bureaus stating this debt was " verified, '' I decided to contact Ability Recovery Service. At first I tried simply asking the representative at Ability Recovery Service for an itemization of the charges. However, when he told me that they added a {$600.00} collection fee I was furious. 

I argued with the representative as the amount they were trying to collect was {$3200.00} therefore nearly a XXXX of that balance was just a collection fee. Since I was now sure that there was definitely something odd going on with this account I asked for an actual itemization of the debt and gave them my e-mail and my fax to forward it to. I also asked for any original contracts and signatures they had on this debt. That conversation was back in XXXX of 2016. When I did n't get the documentation as I was told I would, I called again. They claimed they sent it. However, because it was supposed to be sent to me by e-mail or fax, I know for a fact that it was never sent as I never received any documentation from them. I even made sure to check my spam folder. 

After waiting patiently for documentation that never came, I then decided to send them a written request for validation which I will attach a copy of to you. This was done XXXX XXXX of this year. We are now in XXXX XXXX of 2016 and it 's been 90 days since my original request and XXXX since my written request. Ability Recovery Service has not provided me with any proof of debt yet they are still reporting this on my credit report as a collection. This is a clear violation of collection and credit reporting laws. 

Since I have been working so hard for years now attempting to fix my credit I am beyond outraged that this company would collect and credit report a debt they ca n't prove I even owe. If they continue to do so without providing me any proof of debt then my only recourse would be to simply sue them. I am hoping that I wo n't have to go trough a lengthy court case over something which should be obvious to a trained collection agency. Either provide me proof of debt or stop collecting and reporting it. Please assist me in this matter before I have to sue. 

XXXX University is the school.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Debt collection (Payday loan debt) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NC).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: This complaint is with One Main Finacial in XXXX, NC. An employer there called my place of business, XXXX XXXX XXXX, as I am a XXXX. She called about a late payment on XXXX XXXX, XXXX in the XXXX  My payment is not due until XXXX XXXX, XXXX. A deferment agreement was signed on XXXX XXXX, XXXX to skip the month of XXXX as we tried to be proactive and realized we wouldnt be able to make XXXX payment but would be back on track in XXXX. One Main has my cell phone and my wifes cell phone. My wife was never contacted. They called my employer first and when payment isnt even due. Their response when I called was that, well you called back, and that they never received the deferment. When I asked for an email to send them th confirmation email I received when I requested the deferment, I was given one, but told it probably wouldnt work. They have been repeatedly told not to contact my family, other than my wife, and under no circumstance to contact my employer or wifes employer.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIZENS FINANCIAL GROUP, INC. (DE).
Issue: Trouble during payment process

Complaint: Although Citizen 's Bank increased interest rate three times this year, in XXXX they increased the interest rate for the fourth time although Federal Reserve did not increase interest rate since XXXX of 2017. It appears that the Bank is intended to harass us with systematic increase of rate.

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. (KS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal data, including name, date of birth, full social security number, driver 's license number and address were not held securely by Equifax, and now is in the hands of foreign governments or criminal hackers.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Debt collection (Medical) with Capio Partners, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: In XXXX 2014 I went to XXXX XXXX Hospital after receiving an XXXX. I did not have my insurance card on me at the time but I called in the following week with the information. I was insured and have been insured for the last 10 years with XXXX XXXX. 

I later learned XXXX XXXX hospital sent my bill of {$2600.00} to Capio Partners which is a debt collection agency. I have made multiple attempts to contact Capio partners with my insurance information and contacted health net to see why the debt is in collections. All attempts were unsuccessful and all parties have failed to resolve the issue. 

Although my plan has changed with health net we were still covered at the time of the incident. I will leave information for the debt collector and for my insurance. 

CAPIO XXXX, TX XXXX XXXX XXXX XXXX XXXX Subscriber # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/30/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was told that this old account was re-aged and sold to XXXX XXXX. I contacted XXXX XXXX and worked aggressively to pay this off within months by making doubled payments and large debit amounts as agreed by payment plan with myself and XXXX XXXX. I made the final payment before the plan was up because the rep and Account Manager told me the file would be closed and removed from my credit files. I have never received correspondence from them as paid in full or it removed from my credit files. I have sent them numerous goodwill letters and they have never responded. I would have never paid them in full and before the payment plan was up if they never agreed to remove this from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Debt collection (Medical debt) with Account Services Collections, Inc (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: After viewing my credit report I found out that a medical bill was sent to a collection company. The medical service was from XXXX and I was insured. They are a third party company and should not have access to my medical information. This is a HIPAA violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Got the email about the XXXX data breach. Have been getting emails about my credit score decreasing from XXXX ( about 3 emails in the past 2-3 weeks ). One email said it was due to a new account being opened, which I did not do. 

Waited for some of the dust to settle after the data breach announcement, tried to check my report with transunion. After entering all the sensitive data, which does not make me feel good in the first place, got a message about the request not being able to be serviced due to an overload on the system. ( why could n't this information be conveyed before all the sensitive data is transmitted??? ). 

It has been less than a year since my last credit report at XXXX, and I hoped that XXXX had fixed the problem and decided to try to request the credit report from them. Got a similar message about the server being overloaded due to the high volume of requests. 

I should n't have to pay for a credit report because one of the top companies supposed to be charged with protecting the data gets hacked. Guess I 'll have to wait till most of the damage is done if I am a victim of 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 09/15/2015 about Consumer Loan (Vehicle lease) with CCB Credit Serivces, Inc (GA).
Issue: Problems when you are unable to pay

Complaint: My car was recently repossed by XXXX XXXX XXXX. They failed to allow to me to pay the past due amount in order to have the loan reinstated and to have my vehicle returned to me. I called repeatedly to speak with the collections department but I was told everytime that it could take up to five business days before a decision can be made regarding reinstatement of my loan. In additon if the balance was not bought current within five business days the car would be sold at auction per XXXX XXXX XXXX rules and regulations. I recnetly received a notice from XXXX XXXX XXXX regarded the sale of my car dated XXXX XXXX, 2015. It stated that the remaining balance was {$10000.00}. The letter also listed questionable fees and expenses related to the sale of the vehicle. I contacte XXXX and requested an itemized breakdown of the fews listed : Tranportation ExpenseRetaking and StorageRepair and ReconditioningXXXX refused to provide me this itemized report and stated that by law they did not have to provide me with any documents related to this car, but they cointinued to request that I pay the balance due. Over a period between XXXX XXXX and XXXX XXXX, 2015 I have repeatedly made request for an itemized statement, but XXXX refuses to provide me with XXXX. I feel if I am to pay the remaining balance then I should be provided with a breakdown of all fees assocated with that balance. 
In retalation to my request for the statement XXXX has now begun to call my employer. Since purcahing the car I have changed employers and XXXX did not ahve my current employers number. Today around XXXX I received a call from a collection representative from XXXX XXXX XXXX payment. The individual was very rude and made gestures as to taking legal maters if payment was not made today. I tried to request that the individual not contact me again at my emplyer but they stated that they will continue to call until they get there money.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: At Coinbase.com I have over  XXXX  invested in  XXXX . However, for the past week the Buy / Sell option -- the only way to change  XXXX  back into  XXXX  -- had been  disabled for me for  no apparent reason. I still have a verified payment method that I used to buy   XXXX   with in the past, but the option to buy or sell currency is no longer available. So right after investing, I have been locked out of all my assets.  <P/> I have sent multiple messages t  o Coinbase support with no reply. I fear that I have been scammed into investing money into something that either does not work or is purposefully trying to deceive me.
<P/>
Hundreds of customers are also experiencing similar difficulties as shown here :   XXXX   XXXX   XXXX   For obvious reasons I need to be able to have access to my assets at all times. I have been trying to contact Coinbase via customer support forms, e-mail, private messages on their community forums etc, but they just keep on ignori  ng my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have contacted Equifax Credit reporting agencies for the last 5 months over and over again with dispute after dispute. They, ( CSR ), are so in the habit of telling you what you ca n't dispute on the report or telling you what wordage you ca n't use to dispute, or just telling you that you ca n't dispute. When calling in, I am always transferred to CSR 's outside of the country who are not informed of the new laws regarding credit reporting. The new laws installed XXXX XXXX, 2017 XXXX new credit reporting laws are not known to any of the CSR 's I have talked to. I inform them of these laws, and since they have not been made aware of them, they really do n't help at all. The new law is the new criteria set for reporting civil judgements, bankruptcies and tax liens. If these criteria 's are not met, the item has to be removed from your report. I had problems with even management when it came to understanding this law because they never heard of it. I offered to send them the information stating these laws. I have the problem with the bankruptcy criteria that has not been met with reporting it to Equifax. Within these 5 months I have been disputing, I have n't gotten any positive help from the people working for Equifax. I have disputed : address changes, inquiries, derogatory items reported and public record reporting. They do not offer help, they offer discouraging words, the sorry I ca n't do, the sorry you ca n't do. They are in the business of refusing to help rather than helping. This is my second complaint. Equifax responded to my first complaint with an untrue statement, ( Company responded there is an unauthorized third party ). They use the statement as a stalling  device. During my disputes prior, they have sent me the same letter with this untrue statement. Every dispute or complaint I have submitted has my personal detail correctly documented on each form.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Select Portfolio Servicing and XXXX XXXX XXXX have attempted twice to foreclose on the principle amount of {$970000.00}. I had modified with XXXX XXXX/XXXX/09. The principle amount then was {$910000.00}. Select Portfolio monthly mortgage statements show the principle amount is {$840000.00}. Why the disparity in amounts? I have complained multitude of times. I have had two trustee sale dates. I have proven to SPS that they are in violation of Dual Tracking. And they claim they did not. I have documentation from XXXX XXXX XXXX recording a trustee sale date while I am in the Modification Loop. What can I do when they deny and deny the accuracy of the sale date county recordings and the ongoing documentation request for the pretend modification? Do I send you all the proof of the first sale date? 
Does SPS have the XXXX information. Where is my true Deed of Trust and Note? And now where do I go with the Dual Tracking proof?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Vehicle loan or lease (Loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: When I signed my loan I originally agreed to electronic billing. However since then USAA has restricted my access to USAA.com. My loan had been setup for automatic billing through my USAA checking account, which USAA has thus since closed with no warning reason or clear explanation. Since then I have made multiple calls and they have received notification I have not received my statements, and requests for delivery. USAA has stated on multiple occasions they will send me a statement in the mail, so I know how much, when and where to sent my payment. Most recently they informed my because I agreed to online billing they would not send me a statement. This poses a problem as I have no way of receiving the statements or paying my bill accurately or on time due to USAA 's direct and devious actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation