milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-02-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (VA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: i opened an account with pnc bank on the   XXXX   XXXX   XXXX   telling them i am opening the account cause i am expecting fund from ohio and pnc is the only bank in the city that has a branch in Virginia and will be expecting some deposit so i got a deposit of {$6000.00} on the   XXXX   XXXX   XXXX  , a cash deposit of {$6000.00} and another deposit of {$8000.00} on the   XXXX   XXXX   XXXX   XXXX   which was cash also and on the   XXXX   XXXX   XXXX   i tried to access my fund i was told that the fund was on hold it will be release on the   XXXX   XXXX   XXXX   which i was bemused since it was a cash deposit so i called the person that made the deposit the what was the mater he should go back to the branch he made the deposit and see what happened he said everything was ok from the branch so i went to the branch to get my fund and was told there was a hold on the account and was refer to a bank worker who made calls and got no good response or a firm reply he told me to the only other option is to escalate the matter and let the department take care of it. so the next day i went to the branch since i did n't hear from them and they told me they are closing my account and sending me a cheque for the amount. So the next day i got a call from escalating dept that they re closing my account and the wo n't be sending me a cheque for no reason i feel day are trying to sell my money or take it since am a foreigner

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2016 my husband and I went to XXXX XXXX XXXX to see about getting a new vehicle. We authorized them to run our credit, but we never authorized them to run our credit with over half of a dozen other companies. This put hard inquiries on our credit report, which obviously hurt our credit score. We were told by XXXX XXXX XXXX XXXX that the hard inquires would n't matter because they were all on the same day and that anyone who looked at our credit would be able to tell. It 's been well over a year and we 've gotten nowhere. It 's beyond infuriating knowing that we 're trying to build our credit and because this one company inquired with 6 plus other companies, we 're the ones paying for it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Money transfers (International money transfer) with TD BANK US HOLDING COMPANY (NJ).
Issue: Other transaction issues

Complaint: For more than 20 years, XXXX XXXX XXXX XXXX XXXX has supported an orphanage in XXXX. Every month for those 20+ years, we have wired money from our account at TD Bank ( formerly XXXX ) to our account in XXXX XXXX XXXX XXXX XXXX of XXXX XXXX most respected, well established commercial banks. 
On XXXX XXXX, 2015, I visited the XXXX XXXX, XXXX, NJ branch of TD Bank to send our regular two monthly wire transfers to XXXX. Manager XXXX XXXX provided excellent service and processed the transfer. 
Three days later, I heard from our orphanage in XXXX that only XXXX of the wire transfers had arrived at XXXX XXXX XXXX, so I immediately called TD Bank for an explanation. Several hours later, the TD assistant manager called me to say XXXX ( their XXXX transfer bank ) had blocked the transfer because " they are concerned the money is going to a bank in XXXX. '' I pointed out this was absurd : XXXX, XXXX is XXXX of miles from XXXX, XXXX, and the XXXX bank has absolutely no connection with a XXXX bank. He assured me he would pass this on and quickly get us the money. 
All the next week, while I was in XXXX, I called and emailed at great expense back to TD Bank. Every day they said they were checking into it, and every day nothing was done. 
I returned to the US on XXXX XXXX and immediately called TD Bank, asking them to simply redeposit the funds into our account and we would send another transfer -- because we desperately needed the money to buy food for the orphanage. They responded that XXXX was refusing to either send the money to our XXXX account OR to refund it to us for at least 60 days. 
On XXXX XXXX, I called XXXX New York wire office and spoke to a XXXX XXXX, who claimed to be a manager. He said it was untrue that his bank had mentioned anything about a bank in XXXX and the real reason was that TD Bank had simply not given them the contact details of the receiving bank in XXXX. I told him I could give him everything : the XXXX code, address, phone # -- right then, but he refused, saying that I am not a customer of his bank. 
I went back to TD Bank and told them that XXXX had disputed their story, and they said they would look into it. More than XXXX hours ( and XXXX more phone messages ) later, I have heard nothing back from TD Bank, and still the money is being held by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Debt collection (Other debt) with Windham Professionals, Inc. (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have received a letter from a collection agency regarding my XXXX XXXX XXXX contract from XXXX. They want {$740.00} for remainder of the security contract. I have sold my home in XXXX XXXX and moved to XXXX XXXX XXXX in XXXX, OR. At the time of my move I notified XXXX that I would not need the security service here and to cancel my contract. I am XXXX XXXX XXXX, in declining health due to 2 recent XXXX surgeries. I am not a wealthy person and need what little money I have to take care of my rent, health issues, and obligations in my XXXX location. I have written several letters to them and their answer is that I signed the contract and I owe them. Am I to pay them for services that I can not use?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2017 about Debt collection (Medical debt) with JMD,LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I Contacted original creditors XXXX XXXX XXXX and supplied them with evidence of having medical insurance at time of service. And closed acct. This debt collector has yet to close this acct with the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: We tried opening a business Checking account with Chase Bank, Horrible customer service, Employees have NO formal training, they make the stories, or come up with things as they go along , 1st we tried  at   XXXX   XXXX   branch on  XXXX   XXXX , that gentlemen asked us all the Unrelated documents and refused to open the account  2ndlly  we went to their  XXXX   XXXX  Branch in   XXXX   XXXX  , Texas, on  X/XX/17    @  XXXX ,  XXXX   XXXX  was suppose to be the in charge, for opening the account, We waited  30 minutes  for him to get off the phone, & than our surprise, He refused to get out of his room, aft er 3 trips to  his room, by the girl working there convinced him to come out and speak with us, HE comes out, without looking for any documents, asking any questions, Very Rudely, he begin to start giving us the long lecture & asked us to come back Most Horrible experience we ever had We went acros s the street & ope ned our account with  XXXX   XXXX  our associates and partners have agreed to close our accounts with Chase Bank, and discourage as many people as we can going to Chase Bank

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2017 I made a deposit of over {$6000.00} via my mobile phone. Not knowing a hold would be placed for over 10 days. The mobile app does not tell you if a hold would be placed prior to you making the deposit. I found out after the fact. I then immediately called the bank to see if I could cancel the deposit as I could not wait 10 days. The first gentleman told me he would send it over for review and wait 24 hours. I then called the following day on XX/XX/XXXX and spoke to a young lady who told me the gentleman did not send it over and she would do it now, but I would have to wait another 24 hours and provided me with the number to follow up XXXX. I then asked her did they work on XXXX she said yes which again was a lie. I called Bank of America again today just to follow-up and was told that department was closed and the hold was now extended again! I was very upset and the gentleman I would assume to get me off the phone was like is it XXXX yet. I replied it 's not, but if the department is closed how is that going to help my situation. Bank of America needs new measure in place to advise their customers using the mobile app if a hold will be placed prior to the finalizing of the deposit. This was loan from my 401k XXXX for bills which now can not get paid of an extra 10 days have to expire. Its taking me longer to get MY money then it was for the approval and delivery of my check.

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 10/28/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Trouble during payment process

Complaint: On a regular basis, annually, I get threatening correspondence regarding my mortgage with OCWEN LOAN SERVICING, LLC. XXXX last case was # XXXX XXXX which was only resolved with the help of CFPB!! THANK YOU ) I have been up to date with " all '' my XXXX payments! 

Again, on XXXX XXXX, 2017 I received correspondence, dated XXXX XXXX, 2017 from this company, that my XXXX 2017 mortgage payment is past due. 
I have paid the full amount of {$1400.00} ( interest and principal ) on XXXX XXXX, 2017 by 'CERTIFIED MAIL ' which according to the XXXX was delivered to them on XXXX XXXX, 2017 at XXXX. My XXXX 2017 payment was the forty-ninth ( XXXX ) payment I have made to OCWEN, who bought the mortgage years back from XXXX BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX ( XXXX ) entered into an agreement with me in XXXX XXXX to provide bundled package of cable television, internet, and phone for a fixed price that would not change for 2 years. A few months later in XXXX, they added a monthly charge of {$4.00} for internet modem, which I refused to pay because this was included in the fixed price locked for 2 years. XXXX continued to bill for this service. I always paid the originally agreed monthly fee on time, but refused to pay the {$4.00} surcharge that was outside our agreement. As XXXX continued to bill this surcharge despite numerous call to them, I terminated their service. XXXX claims that I owed them {$8.00} in unpaid surcharge and an additional {$67.00} for not paying the {$8.00} on time. In XXXX XXXX, I received a letter from XXXX. XXXX XXXX, a collection agency based in XXXX XXXX, XXXX, stating they were representing XXXX. I sent an explanation to them that I did not owe the amount of {$75.00} to XXXX. This collection agency closed the case after receiving my explanation. In XXXX, I received a letter from a second collection agency, XXXX XXXX, based in XXXX, XXXX. Again, I sent them an explanation that I did not owe the disputed amount to XXXX. In the mean time, I noticed that my consumer credit report showed negative information that I owed {$75.00} to XXXX. I disputed this information. Subsequently, XXXX XXXX closed the case and sent communications to all major credit bureaus to remove the negative information. On the XXXX XXXX, XXXX, I received a collection notice from a THIRD collection agency by name, EOS CCA, based in XXXX, XXXX. Again, I sent my written explanation immediately on XXXX XXXX, XXXX stating that I did not owe the amount of {$75.00} to XXXX. I did not provide my phone numbers to EOS CCA. However, EOS CCA has been calling my office phone XXXX a day for the past 7 days, apparently obtaining my work phone number via internet search. I have not received a written reply from EOS CCA. Instead, they keep harassing me via XXXX a day phone calls to my work phone number. This practice is HARASSMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Payday loan, title loan, or personal loan (Installment loan) with LENDING CLUB CORP (DC).
Issue: Charged fees or interest you didn't expect

Complaint: I applied for a personal loan to consolidate some credit card debt in XXXX XXXX. I applied online via the XXXX XXXX website. I was offered a XXXX loan by lending club. When I discussed the terms with the representative I expressed concern about the 18 percent interest rate given my credit history. The rep argued that without collateral a higher interest was the norm. I reluctantly accepted with the mindset that I could later renegotiate the interest rate with consistent and timely payments. After I agreed to the loan terms, I realized that the APR was nearly 23 percent but the representative NEVER disclosed this during our conversation. I think the companys treatment of my loan application was predatory in nature as there was no regard for my past credit history and per the Dodd-Frank Act full disclosure is required of lending and financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I dont understand how my private loans 2 weeks ago had a balance of {$100000.00} And today it is at a balance of {$110000.00}. I dont understand, and furthermore, I dont understand why my son was made a co signer when he was never listed on the website and when I asked that he be removed, he was then added to website. I placed a complaint a while back about this. Im not satisfied with this response since there is already a primary co signer to this account, XXXX XXXX. Even though my payments have not been late for the past 24 months, I have not been able to remove my son, XXXX XXXX. The reason is because Im paying the interest off. I am sorry, but currently that is all I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Hello, I have disputed this account with EQUIFAX several times about my  XXXX  account.  XXXX  sent me a  XXXX  in   XXXX  , cancelling the principal debt amount but they still show a balance on my EQUIFAX credit reporting. Each time they come back to me they saying it is " Verified ''. Like I mentioned above and will provide documents, I have disputed the balance several times.  XXXX  and  XXXX  both have already returned the balance to {$0.00} after sending a copy of my tax form for the year   XXXX   with the  XXXX  included. Once they ( Equifax  )  did not even respond to me but I had not sent anything with  XXXX , but the next time I did and I still did not get a response! This last time I sent the copies off my  XXXX  the copies of my  XXXX  and tracking numbers that correspond with  USPS tracking and the prior dispute letter as well as a new dispute letter demanding they follow thr u with the FCRA - also with mentioning that this was not a request for a  investigation.The  main issue is improper credit reporting from EQUIFAX still allowing   XXXX   to report a balance after sending me a  XXXX  but they did not respond to my last dispute for over 30 days and did not even update my credit file with a " dispute in process '' notitifcation. So this time  that I had the proper documentation that they did not respond to my dispute in 37 days ( more actually )  they updated my credit reporting saying it was still verified! This is AFTER I sent a   XXXX   and all other documents above proving that they had no responded as well as the  XXXX  again! I need help from the CFPB. I ca n't obtain my mortgage with this balance that still remains on my credit file that had been issued a   XXXX   XXXX   for over two years ago ... thank you for your time.     Attached :  XXXX  reference  XXXX  account -Copies of dispute letters and last dispute -Copy of  XXXX  and corresponding  USPS tracking  numbers -Copy of drivers license and Social security card for identification -Copy of EQUIFAX dispute results from over 37 day period of not responding to me initially

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I really need someone to assist me because I have been going through this for years with absolutely no assistance. I am a victim of identity theft. I worked at a company where the personnel who gave me my separation papers mistakenly provided me with another person 's information partially with mine as well as provided my information to this other person ; we both have the same first and last name, different middle name. This person used my information to open accounts as well as go to the extent to use my name and social security # when he went to jail. I had thought that this whole debacle had been cleared up on my credit report, but now that I am seeing it again, I know that it has not been. I am including my letters to the bureaus as well as my identification and affidavit. I was not able to obtain a police report. When I went in to the station to file one, the officers laughed at me, stated they " do n't give a XXXX about something that happened in Virginia '' and would n't make a report for me. I do not have the option to file one online, either as my area does not allow for that. 
I 've disputed this with the bureaus in the past and have received no assistance. 
When this person used my information to obtain a vehicle loan, I received a letter from XXXX stating that I had been approved for $ XXXX and that if I did not authorize this, to write them and let them know. I sent a letter certified as well as faxed it, stating that it was NOT me who applied and to NOT send a check. I then received another letter stating that the check had been sent for $ XXXX to the dealership. I did not authorize this, I did not apply for this, I did not obtain this, I do not have the vehicle and i need for this to be blocked and removed from my credit report immediately. This is NOT my account! 
As for the XXXX account, I did not open or authorize this account and I have no knowledge in regards to it. I notified them as well and nothing happened ; this is the same result from the credit bureaus. 
The accounts and inquiries in dispute are listed on the letters that I have attached.

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 02/25/2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Several family members from received phone calls in the past week from XXXX, regarding " active litigation '' against me. They have never attempted to contact me, that I 'm aware of. I called the above number today and gave them my " case number '' which they provided to my family members. Spoke to a paralegal named XXXX XXXX who said her firm, XXXX XXXX XXXX had been hired on a contingency basis, I explained that the old debt that she had mentioned had passed the SOL in Florida. She said that I could sign the papers and let the judge decide. She said that they would serve me at my employer today, and when I tried to make sure they had the correct address, she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: Wells Fargo loan officer XXXX XXXX breached her fiduciary duty and gave me a bad loan 10 years ago with a fixed rate of 6.75 % with no amortization. It is obvious she was looking after only her interest in gaining a big bonus for getting me into a bad loan. In retrospect, the loan I had before I refinanced the property was a better loan. The loan officer refinanced me with new bad loan with a fixed interest rate of 6.75 % interest with no amortization. The loan was also not covered by either XXXX or XXXX XXXX so I can not refinance under the HARP program. I originally purchased the property for {$490000.00} and the property is now only worth around {$420000.00} and I do not have enough equity to refinance the {$370000.00} loan. 
During the past 10 years, I have complained to over twenty Wells Fargo loan officer about the bad loan. For over 10 years, I have lost over {$1000.00} each month on the property because my loan payments have been around {$2500.00} per month, but my rental income was only about {$1500.00}, and I could not refinance. I will be XXXX years old in XXXX, and we rely solely on our modest social security and XXXX pension incomes for our survival so this bad loan has created an extreme hardship and a real nightmare on our limited budget. 
My loan is finally scheduled to reset in XXXX XXXX when I understand my current interest rate of 6.75 % could drop to a lower variable level and there would be amortization. I would like Wells Fargo to accelerate the reset date as soon as possible before XXXX XXXX so I can get immediate relief from the negative {$1000.00} per month negative cash flow. My wife and I both have XXXX scores above XXXX so we are very responsible in paying our bills. We have also been loyal Wells Fargo customer for over 50 years when we purchased our first home in XXXX with a Wells Fargo mortgage. 
Any help you can provide would be deeply appreciated. 

XXXX Cell : 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 01/25/2018 about Payday loan, title loan, or personal loan (Payday loan) with Advance America, Cash Advance Centers, Inc. (SC).
Issue: Struggling to pay your loan

Complaint: Loan was received back in XXXX. Yes I 'm late to pay it, but I receive 4 to 5 calls a day even at work. I have told them not to call my work because thats grounds for termination but they still call

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