milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/28/2016 about Bank account or service (Checking account) with PNC Bank N.A. (IN).
Issue: Problems caused by my funds being low

Complaint: More trickery from PNC. ( XXXX ) transactions were shown as pending on my account, in the amount of {$270.00} and {$290.00} for several days. They remained in pending status until the funds in my account were no longer sufficient to cover the transactions, then they went through 2 days later. After the transactions did not show as " pending '', I assumed the balance on my account was current, and budgeted off that balance. Even though the transactions were shown as completed, they did not go through until 2 days later. So I was basically budgeting off a fake balance. Just another trick PNC uses to force customers into overdraft, which I am now at - {$310.00} including overdraft fees. This number will climb as I have XXXX more online payments going through this week, XXXX in the amount of around {$7.00}. PNC will extract a {$36.00} fee from a {$7.00} payment. Once it 's all said and done I will be nearly - {$400.00} and unable to make next month 's payments. The balance shown on my account was FALSE. Pending transactions on the account are completed in an erratic fashion, sometimes 3 days to a week later. So I never really know what my balance is. This is misleading and I will not tolerate it. I DEMAND FULL REVERSAL OF ALL OVERDRAFT FEES FOR THIS DECEPTIVE AND MISLEADING PRACTICE. I hold PNC accountable for rearranging transactions, showing false balances, and keeping transactions pending until funds are insufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit card () with DISCOVER BANK (CA).
Issue: Billing disputes

Complaint: charge for a service on my ( discover it ) card that was not provided was not refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Struggling to pay mortgage

Complaint: I submitted a loan modification package and then once I found out that I was denied I appealed. I was never sent denial letter initially. Wells Fargo then attempted to proceed to sale but my attorney wrote them a letter an started the appeal process. Once the process began Wells Fargo requested a list of documents to verify income. All of the documents were faxed within the 8 days before sale with most of the documents faxed 12-15 days before sale. The last document did not go through on Wells Fargo 's fax and was refaxed on XX/XX/XXXX. Wells Fargo requested this documents which is evidence of support payments between the borrowers but it is an unnecessary document because Wells Fargo is considering all of the borrower 's income. The bank required the submission of proof of self employment income from the borrower that was making the support payments. In addition in the reinstatement interview it was never asked nor represented that the borrower and spouse are not currently living together. The support payments are not from an outside source and all the income in the household was presented. Wells Fargo has a full package and they had it timely and they are refusing to review the package for a modification. Wells Fargo is requiring unnecessary documents and is not complying with Regulation X with regard to my loan

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Other

Complaint: XX/XX/XXXX, I sent my payment by mail to Citi Health Card. I sent my {$580.00} XXXX XXXX money order to Citi Health Card, XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX. This address was obtained on their website XXXX. Citi lists this as an address to send payments to. Since then, Citi has not applied this payment, and they can not confirm nor deny that they have received this money. I have spoken to at least XXXX different representatives at different locations, to include XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX, all of whom can not give me a clear answer as to what has happened to this payment and why it has not yet been applied. I did not write my account number on the money, as I did not have that information at the time. I did however write the following " SSN XXXX '', my actual Social Security number, as well as my printed name and signature. This payment was well above the minimum. Please help me to have this money applied to my account.

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 09/22/2016 about Debt collection (I do not know) with American Collections Enterprise, Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Amcollent showed up on my credit report. I do n't owe anyone. My bills are paid on time. Also I have never lived onXXXX 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 12/23/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (CO).
Issue: Settlement process and costs

Complaint: " Consumer Protection Bureau '' ... what a joke. These XXXX guidelines are nonsense. All this is doing is delaying closings, causing rate lock extensions, and ultimately hurting the borrower, not " protecting '' them. I have had XXXX closing delays due to " disclosure ''. If the borrower receives a Closing Disclosure and the number matches the Loan Estimate why are they required then to sit around three days before they can sign and close? It makes no sense. It is clear that the government officials and the people within the CFPB who set up these rules have no real world lending experience. Why is this now the most regulated financial industry? This needs to be remedied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AL).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo is doing the same thing that XXXX did. They are charging overdraft fees without consent. I also believe that they try to make a person have an overdraft fee on purpose just so that they can charge the overdraft fee. I go by my available balance and sometimes my available balance is n't right which causes the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with reekside Recovery And Capital Management (GA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I received a voice mail on XX/XX/XXXX from XXXX XXXX stating that she is coming to my place of employment, will speak with someone to find out what time I will be in, then she is coming to my home and she will get in contact with one of my relatives. In this voice mail she never stated what company she represented and I take this type of voice mail as a threat.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Mortgage (Conventional home mortgage) with Servis One, Inc. (WA).
Issue: Trouble during payment process

Complaint: In XXXX of XXXX we sent in a letter requesting hardship due to XXXX medical bills. Our mortgage was instantly sold to BSI financial. Our XXXX statement from BSI shows a fee of {$120.00} with no explaination. Also a 90 day insurance binder of {$1200.00} was added to our mortgage even though the previous servicer paid our home owners insurance out of escrow on XXXX XXXX, XXXX. They are giving us no answers and will not tell us if our insurance declaration has been received. Also upon calling them regarding the insurance they say they do not have our account even though they sent us the letter. I feel they know our hardship and are trying to raise or mortgage payment thru escrow manipulation so we default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Auto debt) with ALLY FINANCIAL INC. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Several times Ally Financial has called me to collect on my past due auto loan. When I answer they hang up as I 'm saying " hello '' ( I answer typically after the 2nd or 3rd ring ). They are using the " deceptive '' tactic as a way to notate my account as " no response '' this has been going on for about 30 days. I have made payment arrangements via online and called to advise I have done so, and I 'm still receiving calls. As well when I contacted Ally in XXXX to make payment arrangements, inquire about assistance, and ask about they 're repossession policy the representatives as well we Supervisors refused to give me " clear & a straight forward '' responses. I am issuing a complaint of harassment against them. And would like it to be looked into

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 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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 disputed inquiries on my credit report on or about XX/XX/18. I did not authorize the companies to make inquiries on my credit file. 

XXXX removed the inquiries promptly. However, Transunion and XXXX  did not remove the inquiries. I am attaching the letters I sent to all credit bureaus. 

Please remove the inquiries from both my Transunion and XXXX 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 07-07-2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I had XXXX XXXX completed in XX/XX/XXXX/XX/XX/XXXX at XXXX XXXX XXXX, XXXX, PA. Unfortunately, a few of the billing codes were wrong and some payment was denied. I called the insurance company and received the codes that they will pay this bill under. The hospital told me to have the doctor send a new script to the lab for the purpose of rebilling. <P/>My doctor sent the new script to the lab on XX/XX/XXXX and confirmed receipt of the new script. As far as we knew they rebilled the insurance company. The. In XX/XX/XXXX, I received a call from Medical Data Systems stating that the bill went to them for collections. I told them what was going on and gave them  the new codes to have the hospital bill under. I had n't heard that anything was n't paid or done by the company. <P/>On XX/XX/XXXX, I checked my credit report because we are a victim of fraudulent use of our social security numbers ( caused by a breach at XXXX XXXX ). I saw that Medical Data Systems is now on my credit report. I called XXXX XXXX XXXX billing and they tell me they have never rebilled the insurance company, never received codes from the collection agency and that they do n't have the new script. I told them I will fax a copy of it over to them. And will do so later today. Unfortunately, they wo n't pull this from the collection agency. <P/>I then called Medical Data Systems, XXXX XXXX, FL to find out what is going on and why they never forwarded the correct information to the hospital. They told me that they they personally rebilled the insurance company and 48 hours later the insurance company told them that three of the codes were unbillable. I gave them five codes. They also billed a year after the second script was sent to the hospital so the codes may have changed. That is not my problem. This should have been done right from the beginning. <P/>The hospital billing dept. has been reported to the insurance various times for fraudulent billing resulting in us supposedly owing them money. The insurance company has been able to fix those " errors '' but ca n't this time because of it being an issue with coding. This company is single handily ruining my credit for issues that are really their own fault.

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 03-03-2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This is a group in XXXX that calls several times a day about the amaozon card. they do this even before the payment is due. they want you to wire the money or postdate a check to them over the phone(NO WAY)  they say they represent Synchrony Bank. I called the bank and they stated they were having trouble with that group and guaranteed me that i would not recieve anymore calls from this group in XXXX well this was good for a bout two weeks and then this morning they called again

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 06-09-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am still being harassed by Navient. I left a reply to the message that they sent to me with XXXX. I told them in the XXXX reply that I would mail in the payment. I got a call and told the collector on the phone I mailed in the payment. They took away my forbearance, that they set up so that I could skip a payment. Now, calling my house XXXX times a day and on Sunday. 
I have contacted the Omnibudsman and left a plea for help. They cut off my auto pay XXXX times an then when I tried to set up the payment a XXXX time, the collector " accidently ' keyed in the wrong account number. 
They will not let me go into the website and make a XXXX time payment. I keep getting collectors with the wrong information and they do not seem to know what is going on. I am not receiving correct information, I have stopped trying to answer my phone and put my loan on auto pay. 
I am being charged interest on being late, so that they can make more money.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Student loan (Private student loan) with SLM CORPORATION (OH).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have had it with Sallie Mae. Not o my have they told me I can only forbear my loans for a year, they have continuously messed up my account. I always have to give them a call to fix a forberance, because for some reason their agents do not have the common knowledge of what accounts to forbear. I asked on  XXXX   XXXX  ( for the second t ime ) to fo rbear my loan ending in  XXXX . The first time they missed it, I assumed it was an error so I called and asked them to fix it. I already paid my  XXXX  dollars to forbear my loans, I have the loan numbers and everything ( something I would expect the agent to know already since they ask for all your information before hand ). Some how, they still want to show that my loan is not forbeared AND that I am behind on my loan! If I called on the    XXXX   XXXX   XXXX    and attempt to get it fixed ; while being assured it is fixed ... I expect to see it fixed on  XXXX   XXXX ! I am tired of dealing with Sallie Mae. To know that the only way you can get a repayment plan is of you default on your loans ( was told by consumer advocates ) sickens me! I regret ever using them! Something needs to get fixed, before I seek legal counsel. This is literally the third time this happened, and the second time I am making a complaint about it. I am so lost on what to do, and I feel like I should just let them all default and stop trying to make payments because I wonder if they are even going through! If my forbearance can not go through, what makes them think I believe they received my payments ... Or trust them with my bank account information! I am a new mother! I work full-time, and my income level is not going to work for what they want me to pay back every month, let alone the manner they treat their borrowers.     I am adding the screenshot of when I called them, and my balances!

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I had my Loans end up in collections. I had made an arrangement with the collections agency and satisfied that arrangement. It was then transferred to Fedloan Servicing. I made an arrangement with Fedloan servicing to pay back  XXXX  $ per month ( the minimum I qualified for, ) and I agreed to pay an additional  XXXX  $ for a total of  XXXX  $ per month.   This was fine for abo ut 2-3 m onths, then in   XX/XX/XXXX , I  got a notice that they increased my statement amount from  XXXX  $ to  XXXX  $ per month and told me I would have to do an application for income based repayment. So I get the info to fill out, and I ca n't access it, Also, the statement they sent me, says total repayment per month is  XXXX  $ but it also shows that they want my current payment is  XXXX  Plus the extra  XXXX  $ =  XXXX   .  I am worried about sending any additional monies to this company that ca n't even provide accurate billing and also does n't adhere to arrangements that the company itself made. Not sure what to do here. I ca n't afford to pay  XXXX  $ per month and still keep afloat.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Consumer Loan (Vehicle loan) with CarFinance Capital LLC (AZ).
Issue: Managing the loan or lease

Complaint: I have a loan with Carfinance.com. Since the first payment XXXX I have paid an extra XXXX every month to go to Principle. Then in XXXX I started paying an extra XXXX to principle. Car finance will no longer send me a statement because I am paid too far ahead, I want a monthly statement so that I can track how they are applying the funds. 
I have to call them and they sent a statement but the statement is all messed up. sometimes, ( XX/XX/XXXX ), the whole {$610.00} was applied to principle, on XX/XX/XXXX {$170.00} was applied to interest, then the next month XX/XX/XXXX {$220.00} went to interest. The interest should go down if the principle is reduced. I can send you a statement if you would like to see it, my account # is XXXX if you want to contact them. 
Thank you, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: We are more than a month ahead on our mortgage payments. Ditech failed to properly apply our payments and charged us late payment fees. After speaking with a representative, Ditech acknowledged their error and promised to fix it. Today we have received collections notices from ditech. My high credit rating is valuable and should not be abused by a lender that fails to perform basic administrative functions correctly.

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 09-07-2016 about Student loan (Non-federal student loan) with EdFinancial Services (DE).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I recently received an e-mail from Edfinancial regarding a college XXXX loan they hold. Several years ago, they held my XXXX loans which were paid in full. At first I thought it was a bogus e-mail and was going to delete it. I clicked on the link and carefully maneuvered through it to see what information they may have on me or if any. When I called their customer service department I was informed they held my loan and wanted to speak to me regarding my payment. I had no idea they held a loan. I had not received any written notification or e-mail from the group holding my college note. According to their customer service department since they held my XXXX note they did n't see any reason to inform me as to holding the XXXX note. Those XXXX notes were paid off more than 5 years ago. When would they find it convenient to contact me? When I was past due? When I was ready charge off? In 1968, The Truth in Lending Act was approved. ( TILA ) protects a consume against inaccurate and unfair credit billing and credit card practices. It requires lenders to provide a consumer with loan cost information so that you can comparison shop for certain types of loans. I check off approving the note from my university, but I had no idea you they were the holder of the note. If they approved my loan and viewed my credit, they will notice, I have steadily been paying down loans held by the state of Pennsylvania on weekly basis. If I had known they held the note I would have done the same and have begun to pay your note down as well. The note has accrued interest for over 90 days. I want the current interest accrued on the account removed. I will now send them weekly payments so as to begin to pay down the note and have it paid off sooner than expected.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit reporting () with LEXISNEXIS (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted the credit reporting company, LexisNexis, and am waiting a final response. 

Dog bite claim description as follows : Our family was visiting relatives ( not on our property ) where our son was XXXX that was owned by another relative not associated with that property. The property owner took out a home insurance claim through their insurance, XXXX XXXX XXXX XXXX, to cover medical bills for our son. The property owner 's insurance company contacted the dog owner 's insurance company and worked out how the medical bills would be paid. Ultimately, all medical bills were paid by the dog owner 's insurance company, XXXX. At no time were any claims run through my current home insurance provider, XXXX XXXX. 

In summary, it was not on our property, it was not our dog, and we did not take out an insurance claim with our insurance company for the dog bite. I respectfully request that this claim be taken off my property claims report. 

Attached is a report from XXXX/XXXX/2016 showing the dog bit claim under dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation