milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/20/2016 about Credit card () with PNC Bank N.A. (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: PNC was never mine and should be removed as it was opened in identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Billing disputes

Complaint: Made a Washer purchase from sears on XXXX/XXXX/15 cost {$950.00}. Was told if I opened a account, would get promotional discount and no interest for 12 months. The washer was defective and returned. An exchange was made on XXXX/XXXX/15 cost {$900.00}, before the XXXX item was delivered. I change canceled the XXXX washer and purchased a lower cost washer {$840.00}. I made several payments but notice as higher balance on the account and was told I was being charged for XXXX washers. I called several times disputing the amount. After several attempts I was told as long as the account was in dispute, there would be no attempt to collect on the disputed amount. That was untrue as I received multiple calls to attempt to collect on what I did not owe. After all the calls I did not receive the promotional discount.

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 01/13/2017 about Credit reporting () with TOYOTA MOTOR CREDIT CORPORATION (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This corporation unjustifiably has turned negative information into the credit bureaus on my husband and I ruining our credit. Credit Snowball affect occurring. My husbands truck was totaled on XX/XX/2016. Our insurance company paid Toyota Motor Credit on XX/XX/2016, Gap insurance paid balance on XX/XX/2016. Received bill for payments past due XX/XX/XXXX totaling {$990.00}. Called and was advised that I did n't have any payments past due, but did owe {$1000.00}. I asked what for and was told XXXX different reasons from XXXX different people. Panicking I just paid it without understanding what it was for. NEVER RECEIVED A BILL FROM THEM FOR THAT AMOUNT. I 'm assuming it 's for my insurance deductible. This corporation has ruined my husband and my credit!!!! UNACCEPTABLE!!!!! If at ANY point I owed them money I would have paid it!!!!!!! I have everything documented.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/20/2017 about Money transfers (Domestic (US) money transfer) with PAY-O-MATIC (NY).
Issue: Other service issues

Complaint: At or around  XXXX  I visited Pay-O-Matic to send money to my teenage daughter who was in  XXXX   XXXX . I received a call from my daughter that she had issue picking up and the funds, which I was charged {$24.00} to send and when I reviewed the receipt I realized my daughter 's middle name was listed as her first name. I returned to the Pay-O-Matic at  XXXX  when I had a short break between work calls, I waited for the cashier who helped me to complete the transaction with her client, I signaled the gentleman who was next in line alerting him it would only be a second because I was there earlier and the young woman made a mistake with my transaction. He graciously allowed me to go and I showed the clerk the error, and she responded " you still need to get in line I cant let you skip the line. '' I asked for the  manager, sh e said " she 's right there but you still need to wait in line. '' I called the number listed in store  (   XXXX  ) to speak with someone re : the improper information entered and the fact that I was frantic when my daughter extremely needed the money and could n't receive it because of the clerk 's error. I also want to note that while t he manager calle d in to fix my transaction ; she asked I move to the side to handle the next customer.   My daughter has gon e to two lo cations, had to pay transportation and could n't receive her funds. The customer service I received was poor! especially given the fact that my  XXXX . was thousands of miles away, I paid for money in minutes it has been hours and I was made to wait additionally while the crowded check cash continued business as usual, and helped someone else through my turn.   I am asking for a formal apology from the business, and a refund because I paid {$27.00} for daughter to receive much needed money in minutes, and because of clerk/ashier error it took hours.   I also believe that the business needs to speak to the staff about quality customer service despite demographic community/area served.   On review of the slip it was completed correctly, and was data entered incorrectly. I look for speedy resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: PLEASE CALL ME WITH A RESOLUTION ON CASE # 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 monetary relief
Consumer complaint received 12/23/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Bank of America said I have unpaid and suspected fraud activity on my account and was closed. The amount was paid and they send me a check back, so now XXXX XXXX  has closed my account down to due to Bank of America mistake. I need my name cleared.

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 04-06-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This company, XXXX XXXX XXXX, filed a small claims lawsuit against me for money owed to them, and won a judgment. They then hired someone, XXXX XXXX XXXX, to collect this for them. I have the written agreement between XXXX and me, the paid receipt from XXXX, copies of my cleared checks front and back. XXXX was to have XXXX XXXX file a satisfaction of judgment upon receipt of payment, and remove the items from my credit report. To date, this item is still reflected open on my XXXX and Equifax credit reports, and no satisfaction of judgment has been filed with the court. I can not seem to get this updated anywhere. I have filed disputes with XXXX and Equifax, sent both of those credit reporting agencies copies of the agreement, the paid receipt and front and back copies of my cleared checks, and all they do is ask the courthouse if this item is still open and then they tell me that they have verified the debt and it is still open. Which is what the court would say because the satisfaction of judgment was never filed, but that is wrong. The judgment has been satisfied. I need this item removed from my XXXX and Equifax credit reports, as it has been paid and satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I was approved for HAMP program and Wells Fargo dropped the ball on the XXXX mortgage to the point where they have foreclosed on my XXXX loan. It was my understanding that I was going to be offered XXXX. Apparently this did not occur because Wells fargo had incorrect city locations in my records and therefore no record match could be found. Although I called and sent over a XXXX letters -- Wells Fargo just kept passing me off to numerous people and nothing got done. My XXXX daughter answered the door the day the process server came to our house and the whole family was so upset about the possibility of loosing our home. Well Fargo did absolutely nothing to support me or the situation. After XXXX months of going around in circles -- and receiving letters from my credit card company 's that my credit limit was being downgraded since they had me recorded as foreclosing -- I received a call from a Wells Fargo manager, XXXX XXXX, in loss mitigation who told me that there was nothing he or the bank could do to resolve my harmed credit until I went through another trial period which would be XXXX days. How ridiculous and absurd is it to have to deal with bank managers who ca n't mange their own internal processes so they can support their customers. Especially when the mistake is on their end. Wells Fargo -- You need to own your mistake and stop with all your non sense.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Credit card () with TD BANK US HOLDING COMPANY (IL).
Issue: Billing disputes

Complaint: Target is incorrectly reporting the day of first delinquency. They are reporting that the day of first delinquency is the month after I settled the account. Prior to this settlement payment there were no payments payments made and the account was reported delinquent for 7 months. At that point there was an attempt to bring the account current for a minimal payment, but i disagreed with the terms and did not make any more payments. Prior to that the last minimal payment was made 3 months prior in which a minimal compromised payment was made for 3 months. Target has re-aged this account violating 15 U.S.C. 1681c ( 1 ) No where in the act does it state that a debt can be re-aged after a lump sum or payment in full is made. This account was clearly delinquent 7 months, arguably 10 months. The delinquency could even go back further as I started missing payments 6 months earlier XX/XX/2008, They are claimin DOFD as the day after it was settled in full which is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: This debt is from services at XXXX Hospital XXXX XXXX, I never received the bill but did received all other bills. My credit is perfect and I would not let my credit get ruined for XXXX . I never received such bill nor tried calling me since my number is at the Hospital records and has not changed for the last 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Transunion keeps saying that the Bankruptcy is mine even after providing the information to them about the Bankruptcy document that was filed. It does not contain my name and address. Now they are saying that they verify through a third party such as XXXX XXXX and XXXX. Their method of verification is not correct. They initially told me that the Bankruptcy was " verified ''. I called Transunion and they told me that I have to go through the Bankruptcy Federal Court in XXXX. I send The Federal Court a letter and they stated that THEY DO NOT VERIFY ANYTHING WITH THE CREDIT BUREAUS! In addition, they told me that " pursuant both to Federal Statute and the Federal Rules of Bankruptcy Procedure only the last XXXX digits of a Debtor 's social security number along with their full name and address can be released. In order to obtain a debtor 's full social security number, a third party must file a motion with the court to unseal documents related to a case. This would be very unusual and does not happen on a regular basis. '' Per FCRA 603 ( o ) Excluded communications. A communication is described in this subsection if it is a communication. 
( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( ii ) consents orally or in writing to the making of the communication to a prospective employer, before the making of the communication ; and ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; Therefore, Transunion 's method of " verification '' is not a valid method if you 're using any 3rd party to verify. Even if I did file a Bankruptcy, which I did not, I did not give anyone, not the Bankruptcy Trustee, the court houses, XXXX, or XXXX authorization to furnish information about any of my court cases. There is not ever a court order to have any information of mine on my credit report. This information that you 're claiming as " verified '' is illegal and it 's not verification. You 're constantly breaking the law, even when I provided you with the document that DOES NOT CONTAIN MY NAME NOR MY ADDRESS. You need to govern yourself correctly.

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 06/13/2015 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Late fee

Complaint: I applied for a Chase United Club card and received an e-mail XX/XX/XXXX saying it was approved but I never got the card. I called Chase and they said wouls send another which I also never received. I then got a bill for the club fee yet had no credit card. I called Chase again and they said they 'd send another card which I asked be sent to my office. I was away on a business trip and just received the car this past week on XXXX XXXX. I activated the card on XX/XX/XXXX and found out that a late fee had been charged to an account that had not been activated, which does n't seem fair. I called Chase and they said they 'd remove the fee but it would take 2 days. When I logged onto the account 2 days later to pay the bill for the club fee, I found out the account had been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Mortgage (Other type of mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Trouble during payment process

Complaint: My husband lost his job on XXXX, XXXX XXXX hit XXXX. I had no work for about two weeks. We put in for extamtion. Bank gave us 90 days but all three payments are due XXXX. They said if we dont have Balance paid off to call and they will figure out something then. Since then they keep sending correspondences saying that I need to contact them and I do every time and they tell me to disregard the messages and my loan is fine. Well last week they sent a person to my home on XXXX at XXXX to hand deliver a letter from my mortgage company. That person took pictures of my home. I call them on XXXX and they tell me that everything is fine and this visit is computer generated and they cant do anything to stop the visits or the letters. I ask them to give me something in writing to verify that my loan is fine and I am told they dont do that. I am worried they are starting to foreclose while lying to me. I live in XXXX County and it was declared a distastser. 
I also made a {$900.00} payment last week and today another letter. 
I have uploaded only some of the correspondences. I did throw away first few letters after speaking with carrington. They told me to disreguard letters they were computer generated so I tossed them. But this is getting scary the amount of mail andalso having someone hand deliver a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My student loan was transferred from my previous servicer to FedLoan Servicing based on my submittal of a XXXX XXXX  Loan Forgiveness form. Since then, my experience with FedLoan Servicing has been nothing short of disgusting. They have mishandled applications and submitted documents, miscalculated payments, placed me and my wife in the wrong repayment plan ( repeatedly ), lost or " misallocated '' my payment records and more. I have been working with them again, for the past three months, to resolve the most recent problem surrounding my PSLF eligibility. I was supposed to be in an income-based repayment ( IBR ) plan, as required by the PSLF program, and was repeatedly assured that I was. The Supervisor I spoke to in XXXX informed me, quite rudely, that I had NOT previously been on a IBR, as I was informed, but rather had only been on one since XXXX. This was shocking enough, until today (XX/XX/XXXX ) when the representative and supervisor I spoke to at FedLoan informed me that actually, no, I have n't been on an IBR plan for almost two years.
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I have been a XXXX XXXX for 15 years and have faithfully made 10 years of payments, as I thought I was supposed to. And now that the loan forgiveness date is approaching, only now am I being told that the last ten years counted for nothing. Additionally, when I learned of this from FedLoan and asked what could be done, since I had followed their direction, I was treated with disdain. The supervisor I spoke to in XXXX was cold, aloof and acted as if she was personally paying off my loan under the PSLF, stating " Well if you 're asking me to forgive thousands of dollars of debt ... '' Additionally, my monthly payment was recently quadrupled due to a small increase in my family 's income, so I am currently attempting to lower my payments. Yet every time I call, the representative gives me a different payment amount ranging from {$38.00} to {$250.00}, and each of them swears it is the lowest possible payment available and can not see how the previous representative came to the payment amount they did. When my wife called, she was told the lowest possible payment ranged from around {$200.00} to over {$600.00}, again each of them swearing there was no lower payment possible under any plan. It is inexplicable.
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My wife 's and my every contact with FedLoan Servicing has been rife with incompetence, if not downright deception. I do not understand why, if you contact them and say " I want the lowest possible payment, under whichever plan that would be '' can they not come up with a consistent answer. Lastly, I was beyond distraught to learn that the last 10 years of payments I have made have counted toward nothing under the PSLF program, despite me doing everything I was directed to do.
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Thank you for your time and I pray you 'll be able to do something about this company before someone else is negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have a XXXX derogatory accounts and other high balance debt accounts I have been trying to resolve for the past 6 months. Now these accounts have lowered my credit score by more than XXXX points and now I can not make any financial decisions until I resolve these accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, 2015, we tendered proper notice to the landlord, XXXX, to make remedy to those issues materially affecting our health and safety, as well as denying us quiet, peaceful enjoyment of the premises. XXXX, managed by XXXX XXXX, XXXX, refused our repeated requests to make remedy. On XXXX XXXX, 2015, we exercised our legal right to terminate the rental agreement, without penalty, in accordance with XXXX XXXX. Pursuant to XXXX XXXX ( d ), the XXXX at XXXX XXXX were required to refund our security deposit but failed to do so. Thus, not only did we legally terminate the contract without penalty, and delivering a thoroughly clean, scrubbed and sanitized unit for immediate occupancy, but XXXX at XXXX XXXX is in debt to us for failing to refund our deposits. We do not owe XXXX ANY monies, as rent was paid current through our tenancy. XXXX accepted return of possession of the unit on XXXX XXXX, 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX   XXXX   dob   XX/XX/XXXX  SS #  XXXX   X/X/XXXX  Transunion,    XXXX   and  XXXX  will not investigate my unauthorized inquires on my report. They will not validate the inquires and they continue to ignore my request to deleted the unauthorized inquires. It has been over  XXXX  days and by law they must deleted them all. all they do is say validated with no proof!!!!! who validated them give me a name and date and phone number of the person.       XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX      XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   - -   XXXX   XXXX     XXXX   XXXX      XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   - -   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Delete all my unauthorized inquires from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (RI).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I originated a mortgage with XXXX in XXXX 2016 that was subsequently sold to Dovenmuehle Mortage Company. The original loan was a no escrow loan. Dovenmuehle has been issuing statements that add an escrow of additional flood insurance ( We have already purchased a one year policy with XXXX ) as well an escrow of taxes. I understand that Federal regulations have changed and I may be required to escrow the flood insurance, but we do not believe they have the right to collect my taxes on our behalf if we have opted to pay them them directly on our own ( see Closing Document ). The mortgage documents we signed were for a non-escrow loan. I have made several attempts to contact them and have reached several people including supervisors, who say they must pass the information on to a manager in the escrow department and they will call me back. I have never received a call back and am now receiving collection letters. We have been making regular payments for the original amounts due on the loan. We have not been paying the amount they say is due for the escrow, since we have already paid the taxes and purchased the insurance on our own. We would like the amount on the statements to show what we are actually legally required to remit to them and to stop receiving notices saying that we are in debt.

Company response to consumer: Closed with explanation