milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-02-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (NC).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: My husband and I have had a joint account at PNC Bank for a while now. On XXXX XXXX, XXXX my husband passed away. On XXXX XXXX, XXXX, his social security check was dispersed to the account and I withdrew the funds as usual to pay expenses. The bank later withdrew the funds saying they did so because he had passed. I visited the bank and spoke with XXXX XXXX. She told us the bank placed a hold on the account pending a response from Social Security. My daughter and I visited Social Security to gain clarity. We were told they had not requested a refund from the bank as I was entitled to the funds because they were a payout from the month of XXXX when he was still alive. We went back to the bank to tell the representative we had met with what was said at Social Security, but were met with a denial. At that point the representative said the government had a hold on the account even though a couple hours before she said the hold had been placed by the bank. XXXX XXXX said we needed to meet with the branch manager who would return on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, we met with the branch manager, XXXX XXXX. She stated she needed proof from Social Security that I was entitled to the funds. My daughter called the Social Security office and placed the call on speakerphone. The Social Security representative stated the same information as the representative we spoke with in the office the day before- that the bank should not have withdrawn the funds. However, XXXX XXXX stated they did not know their jobs even though the representative stated she would be able to send something to the treasury to the same effect. After waiting a few minutes, XXXX XXXX asked my daughter to contact the Social Security office again and ask if they could email the release statement directly to her and she would forward it to the treasury department. When my daughter called the third representative said she could not email it because of the confidential information. She also stated she did not see information from the treasury requesting the money back. She stated she sees the funds were paid to the bank on XXXX XXXX. She said if the bank chose to send the funds back, I could fill out an underpayment form to get the funds back. In the meantime, my check direct deposits into the bank tomorrow, XXXX XXXX and the bank is going to take my whole check to settle the overdraft fees they unnecessarily caused. I am left with no money to pay my bills and at XXXX XXXX XXXX I have no other source of income. The bank caused this error and are not hearing my pleas for help to stop it. They have been told my multiple people at Social Security that they should not have taken my money, but they refuse to put it back. Please help me get my money back before I lose my home. I am suffering enough from losing my husband of XXXX  years.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Prepaid card (General purpose card) with U.S. BANCORP (OR).
Issue: Managing, opening, or closing account

Complaint: I have been having issues regarding my prepaid card that came from XXXX. 
When I was originally given this as a gift ( the receipt was thrown away ) from a relative on XX/XX/2017, I have never had this problem when it comes to accessing the website. 
I went to XXXX ( where the card is from ) and signed up and registered my card as followed their instructions. Since then, however, I can not access the website at all ( logging in or making a new account ). 
You log in to check your card information on the website by using the 16 digit card number on the front and then confirm the security code on the back in order to successfully log in. 
When I tried this again after registering, however, I got the error : " We are unable to process this request. Please call the phone number on the back of your card for additional assistance. '' So I have called them ( three times ), and each time no success. According to the customer service, I still have money in my balance ( {$50.00} ) and I am registered, but can not login whatsoever and they did not understand why. My recent call told me that they could not do anything to fix my situation unless I requested to " escalate the situation '' with their " offline team '' ( which they did not give me their contact information because they said they can not due to regulations ). 
This is a huge problem because I can not use my card whatsoever or the funds for purchasing. Even though it is registered, I can not use my card for anything because of what I believed was a " login '' issue but it could be fraud/scam or possibly something of that nature. 
I have had this problem for over two weeks and multiple calls to no avail. I wanted to file this complaint because of this issue that prevents the usage of my card that may be a much more serious issue but I do not know because I am getting little to no information from them that could 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 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 XX/XX/XXXX, i sent a requests to XXXX  and Transunion to have them investigate several inquiries that are listed on my credit report. My request was made because there are several inquiries that simply are not inquiries that I initiated, I requested as per the Fair Credit Reporting Act Section 604 ( a ) ( 3 ) ( a ), asking that they send me an application with my name on it in it's original form proving that I was indeed the one who initiated these request. On XX/XX/XXXX, I received correspondence from XXXX stating " inquiries are factual record of file access '' and each inquiry remains on my report. Upon calling XXXX on XX/XX/2018, the representative stated that he would not help me and that I had to try and have them removed on my own. I called Transunion on XX/XX/2018 and ironically was told by their representative the same thing using the exact same wording, I had also written XXXX asking for the exact same thing and they complied and removed every single inquiry that was listed because there was no proof they could produce that shows I initiated any one of those requests. Therefore, I am asking that you look into XXXX and why they would they me they could not remove something, that's clearly erroneous, from my report that they continue to report causing my credit score to drop and causing financial harm to me and my family.

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 08-01-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Over the past 6 months or more, I received on some occasions almost daily calls, sometimes even multiple times a day. They are all from different numbers and none of them leave a message. At one point my mother was called and when she answered the phone they asked for me by name. I am in no way connected to my mother 's phone number and her name is not connected in any way to any debt I owe. After this I called the number she sent me and was not told who they were until I provided personal information. I asked if I could check them out before I gave any personal information and how they gained my mothers contact information. They refused to give me an answer. I eventually XXXX the number and found out that the company was portfolio recovery and there were many others who complained about similar tactics being used. They continue to call using different phone numbers and never leave a message identifying themselves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with William D. Meeker Enterprises, Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Inquiries affect your credit score typically weighing it down to a negative impact ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Mortgage (Conventional fixed mortgage) with SHEA MORTGAGE INC. (CA).
Issue: Credit decision / Underwriting

Complaint: We are filing a complaint against Shea Mortgage in California. We submitted a loan application with Shea Mortgage sometime on XX/XX/XXXX where we were issued a " loan approval ''. Given this information, we signed a contract with Shea Mortgage 's wholly owned subsidiary, XXXX XXXX, to buy a home located at the XXXX, XXXX XXXX, California. Construction started XX/XX/XXXX and we are now at the finishing stages of construction. 
Shea Mortgage demanded updated data and credit report XX/XX/XXXX which we complied. A new " loan approval '' was issued again. This time we paid an appraisal fee in the amount of {$450.00}, and we were promised that if our loan can not be approved, then the appraisal will not be ordered. The appraisal was ordered, so it means our loan is approved. 
Every week beginning XX/XX/XXXX, Shea Mortgage asked for more documentation, which we provided and complied. This charade has been ongoing for the last 5 weeks. 
On XX/XX/XXXX, the loan processor demanded XXXX more items before a FINAL loan approval can be issued. Again, we provided everything Shea Mortgage asked for on XX/XX/XXXX. A couple of days later, XX/XX/XXXX, we were told that we should have the FINAL approval within 24 to 48 hours. It is now over 96 hours, yet we have not received the promised FINAL loan approval even though we have given them everything Shea Mortgage asked. 
We did not get a Good Faith Estimate until XX/XX/XXXX. Are n't lenders supposed to give the borrowers a Good Faith Estimate within 3 days after a complete loan application is received? We locked in our rate for 60 days on XX/XX/XXXX, and instead of a written rate lock agreement, we were given a " Itemized Fee Worksheet ''. We are very concerned the lender is delaying the issuance of the final loan approval ; our rate lock expires and we will have no choice but to agree to a higher rate and maybe fees. 
We pray the Consumer Financial Protection Bureau is here to protect helpless consumers like we are. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (DE).
Issue: Loan servicing, payments, escrow account

Complaint: I have a FHA loan with quicken loans and have met the equity for it to fall off but I am still being charged for it. Quicken loans is saying that I am required to pay this until I meet the obligation in of the amortization date stated regardless of what my loan to value is.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I have reason to believe that Equifax has been placing another persins information into my credit file. I signed up for thwir services in XX/XX/XXXX and all of a sudden the product syopped working 3 weeks after I signed up for the monitoring services. They are already aware that I am a victim of identity theft, but they I believe that they are contributing to it. It took them 7 weeks fix the product at which time I could not view or monitor my credit file. They finally cancelled that product and told me the product was no longer being offered. And placef me onto another. They didnt give me a refund for the faulty product and they did not extend any free monitoring for the inconvenience. All of sudden on XX/XX/XXXX the product stopped working again and nobody provided a solution. As of today. The product was payed for on XX/XX/XXXX, at which time the product stopped working on XX/XX/XXXX. All of a sudden after speaking to a representative named XX/XX/XXXX, he stated the file was locjed, and I no longer had the product that enabled me to lock the file because they claim they discontinued it. He then cancelled the current product that was not working, and claimed that he needed to cancel it in order to remove the lock. He still was unable to remove the lovk and they did not offer any refund, or my money back, or solution to the problem. They referred me to XX/XX/XXXX at which time, the report was still unable to be viewed. I have reason to believe that they are allowing someone else to use my credit file because when I tried to dispute the fact that there is a lock online, they stated the address information that I provided wad not matching what they have on file. And they have the correct infotmation.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Debt collection (Other debt) with Flurish Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a payday loan in XXXX of 2016 through the company XXXX but the lender was listed as XXXX XXXX XXXX XXXX XXXX XXXX. I defaulted and then set up a payment plan with XXXX, the collection agency that works directly with Lend Up. I have one more payment until this is completely paid in full. 

I recently received a phone call from XXXX XXXX. They also contacted my mother and sister stating I owe them this money for XXXX XXXX for the same account. The amount owed they stated was not even correct. They were asking me to set up a payment plan or they would be filing a case with the court system. 

I did not want to agree to anything because I was not even sure of the account this XXXX XXXX was referring to. After some research, I realized XXXX XXXX was the lender through the loan I received from the XXXX company who already has XXXX collecting the money I owe. And, now this XXXX XXXX is attempting to collect the same debt. 

I want XXXX XXXX to immediately stop contacting me and I want them to be investigated for fraudulent collections and harrassment. I have sent them a PDF and screenshots via email of my account information with XXXX where I received the loan from XXXX XXXX as well as, my payment information to XXXX, the collection company for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Mortgage (Conventional fixed mortgage) with FCI Lender Services Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: House is scheduled for foreclosure sale next month XXXX/XXXX/2016, attempts have been made to resolve the problems with the current Servicer " agent '' acting as an XXXX entity called " XXXX XXXX XXXX - XXXX '' to avoid foreclosure but they simply refused to cooperate and follow Federal and State laws when a borrower is attempting to obtain alternative options to foreclosure. 
Since the Servicing Transfer from the prior Servicer, " FCI Lender Services , Inc. ( the current Servicer for XXXX XXXX XXXX XXXX, XXXX XXXX have never attempted to resolve the debt, make any attempts to evaluate for potential resolution, restructure or otherwise work with the homeowner and/or provide foreclosure alternative options. We have not been given the opportunity to be reviewed for the XXXX program or other loss mitigation alternatives and without any " Reasonable Efforts '' from the Servicer or it 's assigned agent or the Investor 's in an attempt to provide us with viable options. Under XXXX XXXX XXXX ( XXXX of XXXX Regulations ) XXXX ( b ) ( XXXX ), the servicer MUST properly evaluate loss mitigation applications by providing accurate information regarding loss mitigation options available to the borrower and ensuring that a timely review is made of said request/application. The procedures must also comply with XXXX XXXX XXXX. 
The referral to foreclosure action has been made illegally based on violation of the XXXX Program, Federal and State laws.

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 01-05-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax continues to report a balance of {$420.00} on a XXXX account ( XXXX ) which has been paid. I disputed this account with the three major credit reporting agencies and included a letter documenting that the account was fully resolved. XXXX and XXXX corrected the error, but Equifax continues to erroneously report a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My step son used my information to obtain this credit card

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Credit card () with SYNCHRONY FINANCIAL (AR).
Issue: Credit card protection / Debt protection

Complaint: Synchrony Bank of XXXX XXXX administers credit cards for Walmart and its affiliate Sam 's Club. We have a dispute with unauthorized debits from a vendor ( s ) based in XXXX XXXX and in XXXX. Synchrony accepts unauthorized debits to our MasterCard processed by " XXXX XXXX XXXX XXXX .The amount charged ( debited ) was {$89.00} dated XX/XX/2016. We submitted a formal complaint to Walmart 's processor Synchrony Bank aka Synchrony Financial and received a written response XX/XX/XXXX that basically said nothing accept that a vendor has our credit card number and our pin number and they can do whatever they wish. We are returning my wife 's and my Walmart credit card 's as we did last month with a Sam 's Club credit card due to what we consider are 'abuses ' on our credit cards. Have sent letters to Synchrony in XXXX and copies to Walmart 's corporate office in XXXX XXXX but to no avail. They just want our money for items unauthorized. We called the U.S.P.S. and they told us to simply write " refused delivery '' on the packages and return them to the Post Office which we are doing. Desired resolution was to stop doing business with Walmart, Sam 's Club and most of all Synchrony Bank and XXXX. 
My information : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and tel. pho. XXXX. Both my wife and I are in our XXXX and remain active. Product information : " Shipping Dept., Supplements, XXXX XXXX, XXXX ID XXXX '' ( no other information on the packaging except " USPS First Class Mail. '' " Ship to : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX '' Thank you, Sen. XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/16/2016 about Bank account or service ((CD) Certificate of deposit) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Account opening, closing, or management

Complaint: My mother was critically ill. She signed powers of attorney to me, her oldest daughter, to manage her money and pay bills. I went to Capitol One Bank and they refused to honor the XXXX of Attorney at all! Fortunately, she had me as a signature on her main account so I was able to gain control of that money. XXXX weeks later she was deceased. My brother, sister and I went to Capitol One to close her accounts and divide the money XXXX ways as were her wishes. I was able to get the money on the main account as above. We were able to get her other checking account closed. However, she had a XXXX there. Capitol One refused to break the XXXX and divide it. They would only allow my sister who was listed on that XXXX to retain ownership in her name alone. Other banks were all able to break the XXXX and divide the money for each of us. Capitol One said the judgement of possession did not give us the right to obtain the XXXX money before maturity! How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (NY).
Issue: Credit decision / Underwriting

Complaint: Citi Mortgage keeps denying my mortgage application ( via XXXX ). They use factually incorrect appraisals, deem legal properties 'illegal ' despite meeting all city and state building standards, and make dozens of trivial requests for additional information ( ie. a XXXX from a XXXX job from 2014, for which I am not even using as part of my income qualification ), and require 'repairs ' for things which meet both local and state building codes. Also, denying me due process by frequently going past deadlines for decisions. I have lost out on 3 houses and lost my apartment due to XXXX. They will not process loans in a timely manor and let sales contracts expire. Living out of a suitcase with all my possessions in storage, waiting on ANOTHER closing date. They messed up my last loan application so badly that they needed to create a new loan number, and are currently putting me through the wringer a second time, on the same house. The same move in ready house with the same income information.

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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have had this problems several times over the year and have sent in my Drivers License and it shows correct on Equifax site but not on other sites when I check Equifax report. I was alerted on XX/XX/XXXX of an collection from XXXX for {$420.00} by Equifax. When I try to dispute it, it does not show on on Equifax site. When I pull Equifax through XXXX site or XXXX site, it comes up saying XXXX XXXX XXXX and OLD ADDRESS XXXX XXXX XXXX. I have not had that maiden name or address in 7 years so it is clear Equifax once again has 2 files on me. 1 is under XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC WHICH IS CORRECT and I sent in my Drivers License months ago and was supposedly corrected when I then filed a complaint with CFPB. Now the 2nd file shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WITH THE XXXX XXXX OF XXXX. THIS INFORMATION IS WRONG AS I HAVE NOT LIVED AT THAT ADDRESS OF HAD THAT MAIDEN NAME IN 7 YEARS. I NEED TO DISPUTE THE XXXX XXXX as it is not mine and Equifax needs to fix the 2 files that are being reported. I have Equifax monitoring which I PAY for that is giving me wrong information. I HAVE SPENT OVER 3 HOURS ON THE PHONE EVEN WITH SUPERVISORS AND THEY ARE CLUELESS. PLEASE DELETE THE OLD FILE WITH XXXX XXXX XXXX ASAP

Company response to consumer: Closed with explanation