milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with PNC Bank N.A. (NC).
Issue: Getting a line of credit

Complaint: XXXX XXXX of PNC Bank called me in XXXX and said that my line of credit would not be renewed this year. I 've had this line of credit for over 20 years and have always paid off. When I asked him why the would not renew it he said corporate decision. This line of credit is essential to run my business. I asked for a written statement stating why this line of credit was cancelled and got no response. 
HIs contact info XXXX XXXX XXXX Vice President Asset Resolution Team ( XXXX ) XXXX Phone ( XXXX ) XXXX Fax XXXXXXXXXXXX PNC Bank XXXX XXXX XXXX XXXX, PA XXXX Mail Stop XXXX My company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (Payday loan debt) with Bayside Capital Services, LLC (MS).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: In the first week of  XXXX  the bayside collection service called and threaten to have me arrested if I did not pay  XXXX  on  XXXX   XXXX  and  XXXX   XXXX . The person was very demeaning and rude and told me I would go to jail. Then even called my work.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo has consistently been posting my mortgage payments incorrectly. I keep my mortgage paid ahead and every month they apply my monthly payment to the principal. I pay extra towards the principal separately. I had been paying XXXX a month extra and last month started paying XXXX a month Every month I have to call them to update my payments correctly. The last phone call was this morning and nothing has been updated on their end. My next mortgage payment is not due until XXXX and according to their website. It is showing the last payment being received on XXXX/XXXX/15. I understand that the payment I made today wo n't post for a few days. I am frustrated with Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CT).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen misrepresented my foreclosure date to me. On XXXX XXXX, 2016, an Ocwen representative telephoned me and told me that a foreclosure sale on my house would occur on XXXX XXXX, 2016. I believed that this person was telling me the truth and that I would have to move out before this date. Because I have no where else to go, I assumed I would become homeless and have to stay in a shelter or live on the streets. I was extremely upset by this information. 

By chance, I happened to learn that this was not true : Connecticut is a judicial foreclosure state, and the court has not ordered a foreclosure date in my case. No judgment of foreclosure has even been entered. Not only is there not a foreclosure sale on XXXX XXXX, but a foreclosure sale has n't been ordered at all by the court. If I had n't happened to find out that Ocwen was lying to me about my foreclosure, this misrepresentation could have needlessly caused me to become homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Using a debit or ATM card

Complaint: Bank of America is allowing fraud since a merchant received items back and has kept my money.

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 03/27/2017 about Consumer Loan (Vehicle lease) with FIFTH THIRD FINANCIAL CORPORATION (MA).
Issue: Managing the loan or lease

Complaint: Fifth Third bank has taken funds, via direct deposit, from our bank account. My wife and I have a car loan with them and they took it upon themselves to take additional money out of our account by adding an insurance fee. We have had insurance the whole time and called after the first time it was done to us. They told us that the money would be returned to us after we had insurance company send over insurance information. This information was sent to fifth third bank and we were told that we would be getting our money back. They have for a second month in a row, charged us for the same fee. They now owe us two months on unauthorized charges, and are not returning the phone calls. All my wife and I want are the XXXX unathorized fees as well as the non sufficient funds charges that we have had to incur as a result of them taking this money from our credit union.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Dates : late  XXXX , early  XXXX    XXXX  .   Amount : : About {$400.00}, {$420.00} payment The company  is Navient, student loan company. They started to automatically called me with an automated message every day and so metimes after  XXXX   XXXX , they would not leave me alone. And the phone calls/harassment kept coming more aggressively with multiple people on the phone. After a while, they just offered me a short forbearance for abou t 2-3  months, which is ridiculous since I 'm not working full time at the moment. I spoke with them and notified this, still their customer service people would not even acknowledge the notes. I just felt like They 're harassing me, forcing me to make a higher payment and even threaten to default if I do n't agreed with their terms. This has got to stop. It 's ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Debt collection (Credit card) with Johnson Mark LLC (UT).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: In XXXX i owed XXXX XXXX XXXX on a credit card debt. In XXXX it was charged off at XXXX, apparently sometime in early XXXX they got involved to assist in collection. Its been stated Johnson mark llc tried to contact me, then shortly after obtained a default judgement. Again apparently in XXXX ( maybe XXXX ) and in XXXX Of XXXX they again tried to negotiate a settlement with me, But since i didnt respond they got a judgement and ended up garnishing me in XXXX of XXXX. Facts are they didnt not provide, notify or contact me on this, and infact in those months of XXXX they pingged my XXXX work report and knew where i was, They served a writ of garnish of XXXX and in early XXXX AGAIN provided my employer with a additional XXXX still owed after the XXXX was garnished. At that point i contacted XXXX in XXXX and all of a sudden the second garnishment stopped and only XXXX was taken out of the XXXX, i have requested documents on the second garnishment XXXX seperate times and have not gotten anything from my former employer only that wat i have stated has happen in a verbal form. My former employer has stated a letter of satisfaction was sent, Again when i complained. The writ copy i recieved doesnt add up, Time stamps dont match documentation and no judges signature, Even the case number cant be found. They tried to garnish bank accounts i never had and Johnson mark llc documentation reads johnson riddle mark llc, in XXXX? This firm hasnt been johnson riddle mark for a while only johnson mark llc? I got ripped off big time!!

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Will not reinvestigate XXXX. The XXXX is wrong and it should 've fell off my report already. Did not investigate XXXX XXXX fully. And I did not authorize that dealership to run my credit at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Payday loan, title loan, or personal loan (Payday loan) with SUN LOAN COMPANY INC. (IL).
Issue: Struggling to pay your loan

Complaint: On XX/XX/2018 my mother was contacted by Sun Loans as they were trying to contact me. Sun Loans asked her if she would be able to get a message to me. She asked what this is regarding. Sun Loans told my mother that I was past due on my payments. My mother asked what the balance is on the loan. She was told {$240.00}. My mother began asking questions about the loan and the balance due. She stated that she knew the company had garnished my wages and she didn't believe the balance should be that high. She thought it should be down around {$100.00}. She was told that the account had continued to accrue fees and late charges after the garnishment was stopped due to me no longer being employed with the employer. She was told my account is more than 60 days past due and in danger of legal action. My mother is not on the loan and none of the particulars of my situation should have been discussed with my mother. She should not have been given my balance or my credit information. My mother did end up paying off the loan during the call. She asked for the confirmation letter to be mailed to her as she made the payment. Sun Loans refused to mail her the letter even though she made the payment. They asked her to relay to me to give them a call to update my address so they could mail the necessary documents, payoff and payment confirmation, to me. My mother was never asked to verify her identity or my identity during the call. My private information was released without questions. When she asked them why they would release my private information and how did they even know who they were speaking with, XXXX, the manager with  Sun Loans in XXXX Illinois, said they have access to public information and knew they were talking to my mother. She told them they may know they called my mother 's number but they have no way of knowing who they were speaking with as they asked no questions about me in order to verify her identity.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Mortgage (FHA mortgage) with LoanCare, LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred back in XXXX of 2016 from XXXX to LoanCare. On XXXX/XXXX/2016 I called loancare to verify if they 've done any payment to my hazard insurance company ( XXXX ) since my due payment is on XXXX/XXXX/2016, surprisingly the loancare agent told me that my hazard insurance is not included in my escrow account, however it was disclosed when the transfer took place back in XXXX, also the loancare agent informed me that I should 've received refund check of amount {$570.00} back in XXXX 2016, so I told him that I did n't receive any refund check of this amount, after all the runaround given by loancare employees along with speaking to the manager for the past two weeks .After being frustrated and hopeless, I decided to avoid the confusion and take care of my home insurance myself, therefore I called back loancare and told them to send my refund check which I was supposed to get back in XXXX 2016, so I could pay my home insurance by myself, and I ask them to do not include my hazard home insurance in my escrow account in other word just keep the mistake they 've done the way it is, because I did n't want to cause more confusion .Until today I still have n't received my refund check, and every time I call loancare I get a different story from their employees.

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 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I contacted Equifax on XXXX XXXX, 2017 informing them that XXXX XXXX XXXX had pulled my credit report without my authorization. Furthermore, XXXX XXXX XXXX also pulled ran a credit inquiry with XXXX XXXX and XXXX XXXX. Again, I have never had any dealings XXXX XXXX XXXX. I requested these hard inquiries be removed from my file with Equifax. Equifax informed me they could not remove the inquiries and I would need to contact the companies directly, which I did. XXXX XXXX XXXX found no record of any transaction I ever had with them but being the unscrupulous company they are ( an F rating with BBB and revoked status ), they still have not removed the inquiry either. XXXX XXXX stated they had a record of an inquiry from XXXX XXXX at XXXX XXXX XXXX, so they could not remove the inquiry, XXXX XXXX XXXX would need to do so. So I am getting the runaround from everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Transunion refused to reinvestigate collections that do n't belong to me. I never received proper documentation from Transunion of documents provided to the bureau to verify that the debt belongs to me. 

Tranunion did not properly notify me of collection accounts being reinstated on my report. 

Debts impacted 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 explanation
Consumer complaint received 11/15/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PR).
Issue: Transaction issue

Complaint: The merchant XXXX/ XXXX XXXX charge {$3400.00}, $ XXXX monthly and {$9500.00} to XXXX different credit cards of Bank of America ( accounts ending numbers XXXX and XXXX ) I presented disputes regarding all this charges because this merchant is a fraud and have not fulfill the contract stating verbal promises and emails that are n't true. I send different letters to Bank of America explaining with documents and emails that sustained my claim. Bank of America credited {$9500.00} and I closed the account. Nevertheless, Bank of America refused to credit the charge of {$3400.00} and this merchant is still charging $ XXXX monthly to an account that I cancelled. I want the full credit back because this company had breech the contract and is offering me a whole different one and Ive been a victim of a fraud. I do n't want Bank of America to process or let XXXX made future charges of {$150.00} to my cancelled credit card account which ends in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Debt collection (Credit card) with Rubin & Rothman, LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have made a lot of attempts to settle with this credit card from XXXX XXXX but they did not want to help me and now it is at the Sheriffs department to take my wages that I do not have. I just recently opened a small business and have not made any money and they just want to take what I do n't have to give, I offered to settle for {$1500.00}, and they denied to settle for that. This is my last credit card that I owe, due to me losing my job in the past and went to a debt consolidation company that was suppose to help me and did n't so now all I want is this to be taken care of. They are with XXXX right now and they do not call me back, they are avoiding my calls, just goes the rep 's voicemail but they never call me back, I do n't understand why I can not get this resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-12-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Making/receiving payments, sending money

Complaint: On XXXX/XXXX/2016 I erroneously paid {$1800.00} to Visa credit card account using the Bank of America ( BoA ) online website.This amount was displayed as the amount owed on the drop down menu. After I clicked on the pay button, I realized that {$1800.00} was the amount that I had paid to this credit card last month. {$250.00} was actually the amount that was owed. When the {$1800.00} amount was posted as credit balance to my Visa account on XXXX/XXXX/2016. 
On XXXX/XXXX/2016, I called the BoA XXXX Customer Service number and interacted with an automated assistant that was able to determine my mistake and informed me that my overpayment would be transferred back to my account at BoA from which it was withdrawn. 
On XXXX/XXXX/2016, {$1800.00} was posted to my BoA Visa account as a Credit Balance Refund Debit. 
OnXX/XX/2016, I called the BoA XXXX Customer Service number and asked why {$1800.00} had not been posted to my BoA Checking account from which it came. The BoA assistant answered that it takes 3 to 5 days to complete the transaction. I then asked why it took 3 to 5 days to transfer the money from the card account to the my Checking account but only took 1 day to transfer from my Checking account to my card account. The answer was that BoA had certain procedures. I then asked to speak to a supervisor. When the supervisor got on the phone, I was told that procedure to 3 to 5 days and nothing could be done about that. I then asked to speak to the supervisor 's boss and was told there was no one else available. 
My complaint is that when I make a mistake, it appears in BoA 's favor in a day but it takes 3 to 5 days to correct the the mistake. BoA website prompted the mistake by displaying an erroneous amount. Why was a payment that I had already made still showing as an amount owed. This information is kept on a computer and should updated promptly.

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 03/21/2017 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (OH).
Issue: Managing the loan or lease

Complaint: Our vehicle was totaled in XX/XX/2016. We have been waiting on the insurance to pay. The insurance payment was made XX/XX/XXXX in the amount of {$22000.00}. We had Gap insurance, which was to cover the remaining portion. The gap insurance payment was on the way. I called Chase a spoke with a representative on XX/XX/XXXX. I also sent the gap breakdown. The representative told me I would still owe {$140.00} after the gap insurance. I paid this on the phone that same day ( XX/XX/XXXX ). On XX/XX/XXXX I noticed the account still had a balance. I sent an email ( which they never responded to ) asking if there was an issue and to confirm receipt of the gap insurance money. On XX/XX/XXXX Chase reported a delinquent account to my credit report. I called Chase on XX/XX/XXXX and a representative confirmed that they received a payment of {$1500.00} from the gap insurance on XX/XX/XXXX. He said it would take 2-5 business days to process. I called back on XX/XX/XXXX twice and spoke with two different representatives ( ID # XXXX & ID # XXXX ). I asked them why it only showed a payment of {$930.00} was made when I confirmed that they received a check from the gap insurance for {$1500.00}. I asked them where the other {$590.00} was at. Neither could explain and said they would look into the issue and call back. I never received a call back. My Chase account shows a balanced owed of {$410.00}. However, there is {$590.00} of the insurance money that is unaccounted for and no one from Chase will explain or call me back. I sent another email today and still have not received a response from them. Not one Chase representative that I have talked with has been able to assist me with getting this account paid off, but yet they reported my account as delinquent to the credit reporting agency. From what I can see, they owe me money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I get Va XXXX XXXX XXXX all payment come directly out of my bank account.. i do n't understand how i can be late,, my credit score was XXXX,, now it below that..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Consumer Loan (Installment loan) with JPMORGAN CHASE & CO. (NC).
Issue: Taking out the loan or lease

Complaint: J.P.Morgan Chase sent me courtesy checks at 0 % intro for paying bills, etc. I called the XXXX number to find out more. I was told I had a limit of approximately {$1800.00} on credit or {$1500.00} cash. I explained how in XXXX took out a small loan of {$3000.00} with a high fixed rate and looking to cut down the intrest. She took some information and went to a supervisor. She came back a few minuets later granting me as much as {$3000.00} availability on their courtesy checks sent me in the mail. I told her I would be using one for near that amount that day XXXX XXXX, 2016. She assured I was good to go. I paid the loan. In today 's mail notice from J.P.Morgan Chase a stop payment on the check they are only good for {$1500.00}. I was on the phone an hour with them today XX/XX/2016. They do n't care just kept repeating over and over I did not have the credit to cover it. They had a record of my call and would not elaborate. XXXX of the XXXX XXXX office was like a robot repeating it over and over. What kind of fool would after calling them attempt to cut a bum check? Now I must re establish the original loan, pay application fees on a new loan, and also a returned check fee. They assume absolutely No responsibility and told me to submit any returned check fee and perhaps they might pay that. A verbal contract form their representative agreed to by the supervisor at the time later not enforced at a substantial cost to me. They do not care.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I received a copy of my credit report after speaking to a representative in the Special Handling Department at Transunion and notice that there are addresses and phone numbers listed that are not mine. I originally sent a request XX/XX/2016 to have those address removed from my report. I have also sent proof of my current address and current phone number.

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