milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/30/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (IL).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I contacted PNC bank on XXXX/XXXX/17 around XXXX XXXX CST, in order to attempt to enroll in XXXX XXXX. I had just purchased a new phone and wanted to transfer over my banking information to my new phone which should have been an easy process. Out of all the accounts I am a cardholder of, PNC was the only one which required a phone call. It should not have been a big deal and I have no difficulty calling, however the blatant disrespect received by me due to the action of PNC was appalling.
The first person I spoke with asked for my SSN and a recent deposit into my account. Since my phone was new as I stated above, my PNC app was locked out. She advised me to call back, which I understood.
The next time I called back the woman I spoke with was extremely rude and asked me for my SSN again, and told me she would not assist me until I stepped into a branch. I asked multiple times for additional information or assistance, and she outright told me she would not help me. She told me she was going to be placing me on hold and when I asked why, she ignored me and went ahead with the hold. Five minutes later, she came back and said there was a problem with the phone. Over and over I asked where are you sending me and what is happening, but she ignored me and placed me on hold in the middle of our conversation. She also continuously referred to me as ma'am even clearly stating she thought I as a woman, which I am clearly not.
The next person I spoke with asked for my SSN, DOB, and my drivers license number before telling me to enter a branch. I continued to ask why, and was told he would not be assisting me. When I asked for information to track our conversation such as a name or ID, the Specialist refused and told me he would not speak to me further.
The " Supervisor '' I spoke with asked me roughly the same questions for the 3rd or fourth time now, and then said he did not have any other questions. He promised he would " warm transfer '' me to a Specialist. I waited on hold for 11 minutes, before the Specialist came on the line who had no idea who I was or what was happening. He did n't even tell her the issue or what was done because I still had to give my SSN and all my information again.
PNC bank has shown horrendously poor Customer service, and has discriminated against me based on my potential orientation and/or my gender. I have been a Customer for a few years now, and this is not acceptable.
PNC lied and mislead me through this whole process. I sincerely hope they take criticism and feedback seriously, because their discriminatory and judgemental procedures were extremely unfair and bias.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I 've submitted several request for loan Modification to HSBC Mortgage Servicer for assistance in reducing the interest rate on my home loan, which is at 8.76 %, which is perhaps the highest in the nation at the current time. All of my loan modifications have been denied. Once I submit a loan modification request, they assign a loan representative, then they unassign then assign a new representative, who is most always difficult to contact. They ask for the same documents over and over, as if the the documents sent to them goes into a black hole. My most recent loan modification that included a request for the removal of a balloon payment, interest rate reduction and forgiveness of all or a portion of the principal, was again denied in XX/XX/XXXX. They did not provide a specific reason for the denial but said that i could appeal. Appeal what? The latest person that I spoke with at HSBC only offered the advise of making the next 6 payments on time? Ok, so what happens after making the payments on time, Is my balloon payment going to be removed? Is my interest rate of 8.76 % going to be reduced to the current marke? Is my principal going to be reduced or forgiven? I have never been able to reach my loan representative! This is an excerpt from the most recent XX/XX/XXXX National Mortgage Settlement, which HSBC Mortgage Servicer have not been in compliance with : " HSBC is also required to complete XXXX in creditable consumer relief directly to borrowers and homeowners by XXXX XXXX in the form of reducing the principal on mortgages for borrowers who are at risk of default, reducing mortgage interest rates, forgiving forbearance and other forms of relief. The relief to homeowners has been underway and will likely provide more than XXXX in direct benefits to borrowers because HSBC will not be permitted to claim credit for every dollar spent on the required consumer relief. '' I am one of those borrowers that HSBC refuse to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have disputed credit results on Equifax. They have refused to send me my dispute results. I have called multiple times and been told various stories. By law I should have gotten my results within 60 days. It has been over 8 months and I still do not know my results. When I call I speak to people that are unaccommodating, with heavy accents. I have found that majority of the managers and representatives have improperly recorded my previous conversations, so I have to start from scratch with each conversation. I want my results asap. No more excuses blaming the United States  Post Office ( w hich has consistently mailed me my   XXXX    &    XXXX    results ) for their shortcomings. I WANT MY REPORT MAILED TO ME NOW!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I was referred to open a checking account. Both myself and the referrer are to receive a {$50.00} gift card after the account was opened and a direct deposit was made. When I inquired about receiving the gift cards I was informed tat I would nit be receiving them since I did not complete 5 debit card transactions within 60 days. The {$50.00} gift card was a referral bonus to open a checking account which was completed and funded.

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 05/13/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent multiply request to validate the debt company will not send information in the 30 day period now i am being told 90 days, they will just remove from my report and research and never send correspondence bad company

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Debt collection (Credit card) with Suttell, Hammer & White, P.S (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX I did default on my XXXX XXXX and it was sent to collection in XXXX ... .which at that time the company under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX California did harass me over the phone and by text messages for about a year. I try several times to settle the matter with them by offering to make payments they refused stating it had to all at once. Since I did n't have that money and was failing financially it was not resolved. I did n't hear from this agency again until XXXX when my checking and saving accounts where completely emptied, that same day I received a Notice of XXXX that had transpired on XXXX XXXX, XXXX ... my moneys where removed on XXXX XXXX, XXXX. I also received a phone call from the case worker that same day, in which she laughed at me and stated " I finally got you. '' Since that day I assumed this debt was satisfied and I have never heard from them again. On Monday XXXX XXXX, XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX Washington for XXXX XXXX stating that I now owe them {$11000.00} and they are trying to collect now on a debt that is XXXX XXXX XXXX and I thought had be satisfied in XXXX. When I spoke to them on the phone they offered little to no information, other than the fact that there was no documentation in the file they had purchased from the original collection agency. My question to you is can they continue this action?

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (WA).
Issue: Problems caused by my funds being low

Complaint: For graduation I was given a check by my grandfather for {$12000.00}. I deposited the money into my Wells Fargo savings account. Once some of the money had been released into my account I paid off the balance on my Wells Fargo credit card. Eventually the check bounce, turns out my XXXX XXXX XXXX grandfather had mistakenly only put in enough money into his account for XXXX of his graduating grandchildren. My cousin who also graduated college cashed his check first, which resulted in my check bouncing because the money had been taken out of the account. This resulted in my savings account to go negative because I used it to pay off the card with funds that had once been released ( but now taken back because of the check bouncing. Wells Fargo then locked my account even when I put in cash into my checkings account to overturn the negative balance. Between talking to personal bankers in XXXX local branches to explain the situation and talking to the fraud department on the phone to explain the situation they were unable to reverse the hold. They as a result are closing my account, giving me few days notice to pay off the card. I made multiple attempts to pay off the negative balance and the credit card after realizing the check has bounced. There has been XXXX transparency, consistency, and clarity between my personal bankers at local branches and fraud department. The local bankers do n't even know why my account is being closed due to a check bouncing due to insufficient funds. They have left me confused and with little ability to amend the situation. In fact they even cut up my debit card at the branch. I have always been on time with my credit card that I have with Wells Fargo and I have made multiple attempts to make payments on the card. I have not received a hard guarantee that my credit and credit score will not be effected by the result of this bounced check and the ridiculous near immediate closing of my accounts.

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 11/17/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: Ocwen Loan Servicing XXXX, debt collector have used Fraudulent and Forged document to accept Insurance Loss Draft check on XX/XX/XXXX, in the amount of {$6700.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX Draft XXXX. 
Ocwen DOES NOT have Any documentdocumentsdocuments to collect on this debt. This debt was discharge on XX/XX/XXXX, Chapter XXXX United States Bankruptcy Court. Ocwen accepted LOSS Draft after discharge debt Voliates 15 USC 1692 and Florida Statuue 817.535. As of XX/XX/XXXX, filed Fraudulent foreclosure, No Letters, No Notice no communication a bout filing. Ocwen-XXXX co ntinue to avoid sending any documentation to show Proof of Ownership as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (WA).
Issue: Trouble during payment process

Complaint: I received notice on the last week in XX/XX/XXXX that my mortgage was being increased from XXXX to XXXX, and this is because I am required to have flood insurance. I called XXXX XXXX for a quote and they said they could insure me for XXXX instead of XXXX what XXXX is charging me. My mortgage payment would go down instead of up. I will loose my house if forced to pay XXXX, I am XXXX and on a fixed income. I have been trying to stop payment that XXXX took out of escrow, but they are not letting me cancel. I have been working on this for 3 weeks now. I have XXXX XXXX waiting for the funds, my new policy would start XXXX XXXX 2017. I thought I was supposed to have 30 to 60 days notice. I am scrambling to save my home. Can you 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 03/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have sent requests to TransUnion to stop falsely reporting derogatory against me stating that I have an unpaid medical bill in the amount of {$76.00}. TransUnion continues to falsely report information from XXXX XXXX XXXX, # XXXX ( XXXX, VA ) ; stating that this debt is allegedly owed to XXXX. I am a XXXX XXXX XXXX Veteran and have 100 % free medical coverage! This debt could possibly be my son ( I do n't know ) ; he has my name, stayed with me for one year, but has long since moved away. However, we have different social security numbers and birth dates, so this problem can be easily resolved. I have zero medical bills, and I have repeatedly communicated this fact to TransUnion unsuccessfully .... please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: On XXXX XXXX, 2017 I checked my credit reports and I was notified that a public record and a bankruptcy ( legal item ) from circuit court was removed from my credit report.
Under the new law effective XXXX XXXX, 2017 any public record data and legal item must include the consumers name and address as well as social security number or date of birth in order for any records to appear on their credit file. The credit bureau removed the records and has since re-inserted them on my report. Per the new law true Bankruptcy listed does not include XXXX this information and should be deleted from my credit report. In addition, XXXX XXXX or any other consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Payday loan () with CURO Intermediate Holdings (TX).
Issue: Applied for loan/did not receive money

Complaint: I applied for a loan and i was not given the amount needed they told me to go online and apply for XXXX more. Now i have a company calling me asking for XXXX for fee and stating i received more then XXXX which I did not because they would not even give XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I got a new credit card in XX/XX/2017 with citicards. I signed up for Autopay. For some reason, the Autopay did not go through. Neither citibank or my XXXX XXXX XXXX could figure out why it didnt go through. 

But, Citibank charged me a fee and then my credit score went down. 

I called citibank and they said to make a payment and fax a letter to citibank credit reporting Dept. I did that, but now citibank cant tell me anything about receiving the letter. 

Now my credit score is very low, and it wasnt my fault the payment was late. It was a bank error, not my error. Need 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 monetary relief
Consumer complaint received 11/16/2015 about Student loan (Non-federal student loan) with Performant Financial Corporation (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: RE : Case # XXXXI did receive a letter from XXXX XXXX XXXX at Performant Recovery. It did not include another XXXX as stated in letter. I again faxed him the copies of all the correspondence, which included financial information and I mailed a hard copy to the address on his letterhead with a proposal of a payment plan. I asked again fora written response. This was onl XX/XX/2015 and now it 's XX/XX/2015. So my credit is still suffering and I 'm making payment and accruing interest and penalties.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen continues to report inaccurate data information on my credit reports with their poor payment processing, unauthorized fees, holding my past payments in suspense after receiving by the due date and their erroneous reporting of ( 8 ) late payments. This is mortgage deception and a violation of the CFPB. I have made several phone calls to Ocwen, have written letters, submitted emails and filed a complaint with the XXXX. 
Enclosed is XXXX different letters from XXXX different representatives from Ocwen, dated XXXX XXXX, 2015 stating they will have a response by XXXX XXXX, 2015. 
I have heard nothing from this company as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: CAPITAL ONE BANK USA XXXX reporting that I was late when I was not. They are indicating that i missed a payment when I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Debt collection (Mortgage) with Kimball, Tirey & St. John LLP (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This  XXXX   XXXX   XXXX  placed an abstract of judgement on my property located at  XXXX   XXXX   XXXX   XXXX   XXXX  California  XXXX  fraudulently trying to steal money from me. I never dealt with this LLC or owe any money to them. My name is  XXXX   XXXX  not  XXXX   XXXX .

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
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. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Hack on Equifax is ridiculous, they should have never stored that much personal information in plaintext. There needs to be repercussions.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: my accounts XXXX account number XXXX date opened XX/XX/XXXX and XXXX XXXX account number XXXX date opened XX/XX/XXXX, are reporting one late to credit reporting agencies. which are inaccurate, so please have these inaccuracies removed especially when i have the creditors letters as approval to do so. 
thank you for your cooperation please find attached the creditors letters.

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 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XXXX  refuses to remove unverified and inaccurate information on my credit report. I have disputed this account information as inaccurate with them several times and they were never able to validate this account. I was given no evidence of my obligation to pay this debt to this credit card company. They are scammers targeting elders like myself that they perceive to be vulnerable -- those that are isolated, lonely, physically or mentally disabled, unfamiliar with handling their own finances. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Im also contacting Adult Protective Services for help. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA

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 02-09-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have tried numerous times to get my student loan payment lowered to an affordable monthly amount based on my income. Navient has denied any affordable price and only gives me outrages quotes I can not afford. When i told them I ca n't afford to pay they told me my credit can go bad and this will affect me. I asked them if they can garnish my wages and she said possibly which at that point i felt trapped. They said go ahead and pay the amount you are able to contribute each month but you will still be in bad standing as long as you are not paying the amount Navient is requesting. I asked what is the point of paying if i will still be in bad standing. I do not know how else to go about getting affordable payments as I already have other debts owed to the state and ca n't afford to pay what they ask of me. They call from multiple random numbers now harassing me to pay what i can not afford. It is impossible to avoid them as they call from different numbers every time they call.

Company response to consumer: Closed with explanation