milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-11-2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was sold to Suntrust Mortgage. WE have had nothing but trouble with this company since the sale of the mortgage. First the company did not pay our home owners insurance and we had to call to get that fixed, then they did not pay our property tax, that required another call and being transferred from department to department to get that problem fixed. These problems are not even what my complaint is about. When I called to see what was going on with the nonpayment of my home owners and taxes, I told the person I spoke to that I was on XXXX and would only be able to make my payments around the third week of the month when I get a check. I tried to get them to waive the late fees because of this situation but they could not accommodate me. Sorry for being so long but this is my real complaint, from the first of the month to the time I make my payment I get harassing phone calls, from early am XXXX or so to evening close to XXXX. I spoke to a person from the bank about this but nothing was done. This has been going on for months. Is there anything that can be done about these calls. 
Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Debt collection (Credit card) with First National Collection Bureau, Inc. (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have XXXX debt collection agency trying to collect a debit from XX/XX/XXXX. I was XXXX in college and did not get my XXXX credit card until XX/XX/XXXX. It would have been very easy for a doormate or anyone else to get this info. I didnt keep it hidden I didnt think I needed to. Now they are trying to bill me for over XXXX that I never had the chance to use

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XX/XX/XXXX-XX/XX/XXXX someone made a purchase at XXXX store at the address XXXX XXXX XXXX, XXXX, ny for amount of XXXX , On XX/XX/XXXX I file a fraud claim on my account with the Bank of America. After a month of investigation BOfA took back a credit from my account and closed the case with explanamiton that in was a chiped card and the chip was insert. And based on this information all the charges was put on me. When I asked them to give me more information about this purchase such as copy of the signature, they was not able to. So they made a decision only on the information that the chip was insert. XX/XX/XXXX I filed a police report about it and based on my actions, BofA reopened the case. I also checked the address of the XXXX store and the address has no relarionships to the XXXX store, there are no connections with this building related to XXXX at all. As of now I am waiting for a detective from the police department to contact me and maybe give me some additional information about my case. I also waiting for the actions from the BofA investigation.

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 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX, XXXX contacted via phone and email advising all three major credit reporting bureaus account that does n't belong to me was being reported ; they advised would investigate the account came back verified then submitted ID Theft affaviadit on to local police and online XXXX/XXXX/XXXX ; the account was removed after all requested documentation was submitted then on XXXX/XXXX/XXXX the account without notice was re-entered on Transunion and XXXX file contact and was made aware of a glitch and that it would be deleted which has not happen. AT this point I would like account removed and blocked so that re-entry can not happen again

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: As of Tuesday, XXXX XXXX, 2017, EXPERIAN is still knowingly and illegally reporting a debt of {$890.00} to XXXX for XXXX. 
REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX. 
I maintain that during the selling, purchasing and/or transferring of my account ( s ), XXXX, knowingly violates both the Fair Debt Collection Practices Act and The Fair Credit Reporting, by constantly and consistently reporting negative, unfair, inaccurate, unreliable, incomplete and missing information to the XXXX major credit reporting agencies/bureaus ( Experian, XXXX and XXXX ) by purposefully misrepresenting a debt that I do NOT owe in its reporting as debts of XXXX ( {$890.00} ) that is : ( 1 ) paid/settled ( 2 ) old, obsolete and out-of-date ( 3 ) over the Statue of Limitations ( 4 ) time-barred ( 5 ) used to intimidate ( 6 ) purposely omitted date ( s ), time, purchases and amounts.

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, XXXX XXXX XXXX a ) ( XXXX ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified, invalid accounts must be removed.

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 08/18/2017 about Debt collection (Other debt) with AFNI INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: AFNI is reporting a debt that has already been disputed off of my credit report and has been found to not be mines by all 3 credit bureaus after they investigated this back in 2016. This debt is illegally reporting on my reports again and was never validated as being mines and there is no contract or signature tying me to this account. It looks as if they purchased this alleged debt from a prior debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: i have signed up credit monitoring, my experian credit report can not be pulled as well as my score, i was able to obtain  XXXX  and  XXXX , the information showing when i tried to pull experian states fico score not available due to limited information or a lender has reported you as deceased, i want experian to correct the accuracy of the information on my personal data and information so i can obtain my report and scores.

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 01-04-2018 about Mortgage (Conventional home mortgage) with M&T BANK CORPORATION (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: M & T mortgage finalized my request for mortgage modification XX/2016. 
I recently applied for credit and I was denied because of the incorrect mortgage pay history that consist of my mortgage payment amount, mortgage balance, and open date of the mortgage that is being reported by M & T Bank on my XXXX, XXXX, & XXXX credit report. My mortgage balance and payment history is being reported incorrectly. Also M & T did n't report the terms of the mortgage modification agreement that is now my current deed. M & T Bank did n't remove the delinquent mortgage history after the mortgage modification was finalized.

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 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I found an unauthorized charge in delinquent status on my credit report. It was from a credit card that I have never used, but had the account open ( online nor the card itself  ). I d isputed it on Transunion Dispute and reported back that the information on the report is accurate. I am unsure what that means, and have not been able to reach out. I called the credit card company,  XXXX , and told customer service that the charge on that account was fraudulen t (   XXXX  charge for  XXXX   ),  so she turned off the account and anyone authorized users, and marked the transactions as fraudulent.

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 10/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (DC).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I opened a secured credit card with Discover Card 2 years ago with a {$2500.00} security deposit. When I was signing up, Discover Card staff explicitly promised me to return my security deposit after a 7 month good monthly payment history. After 7 months, I contacted Discover Card and was informed that though I had a good payment history their 'system ' blindly determines when I get my security deposit refunded. This was news to me ... if I knew this I would not have chosen Discover Card because I needed the security deposit paid within the 7 month agreement. I have since called Discover Card on the 9, 12 and 16 month points. Discover Card simply will not return my security deposit payment. 

Its now been 2 years, I have an excellent payment history with Discover Card, kept my purchase balance low and my credit score has even risen over the last 2 years. I want Discover Card to reimburse my secuity deposit as advertised and promised to me when I invested in a secured Discover Card.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I had a student loan with XXXX i called and thought they were forgiven through a program next thing i know NAVIENT ON MY CREADIT INTEREST RATES THROUGH THE ROOF I WROTE TO NAVIENT NO RESPONSE I TRIED GOING ON NAVIENT WEB SITE IT KEEP SAYING MY INFORMATION DONT MATCH THIS IS MESSING UP MY CREDIT I NEVER TOOK OUT AN LOAN WITH THEM! I even contacted all 3 creditors. I 'm stress out about this

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit card () with CITIBANK, N.A. (MN).
Issue: Other

Complaint: My son XXXX moved to XXXX, XXXX and had the post office forward his mail to XXXX. 
Without my knowledge, the post office asked Home Depot to change my billing address from XXXX, XXXX to XXXX. 
Home Depot changed my billing address to XXXX without my knowledge and without notifying me of the address change. This caused me to be late on a {$30.00} payment ( the total statement balance ). When Home Depot called me by telephone to notify me I was late, I immediately paid them over the phone by debit card. 
My name is XXXX ; it is not XXXX. I am sure the name similarity contributed to the oversight. 
I called Home Depot card issued by Citibank and the bank reversed all late fees and interest charges. However, neither Home Depot ( Citibank ) or the credit bureau has removed the mark against my credit score which dropped about 100 points to 755. 
I have explained this three times to both Home Depot and the Credit Bureau. 
Home Depot told me to work it out with the credit bureau. However, when the credit bureau calls Home Depot, Home Depot ( Citibank ) tells the credit bureau that it was n't the banks fault because the post office told Home Depot to change my billing address. 
The one credit bureau I talked to ( XXXX ) did remove the erroneous previous address ( XXXX, XXXX ) from my credit report. 
I 've had a near perfect credit rating and I believe this is an unfair billing practice and I want my credit rating to be restored.

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 10-11-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have called Navient back to back. Every time I call they hang up on me when it is time for them to transfer me to customer service. I reside in the state of Georgia. I call the XXXX XXXX ( Navient number ). They pick up, ask the reason why I call, then state they will transfer me to customer service. Every time they suppose to transfer me it hangs up. I have repeatedly call them back to back. I have phone records to prove it. I have talked to someone in XXXX, XXXX, and XXXX ( from Navient ) about why my credit score have decreased since I am on an automatic payment plan with Navient. Everyone I have talked to claimed that each month it would be updated. Each month my payment is considered missed or late on my credit score. Navient is the only thing that is messing up my credit score. I have sent letters to all 3 credit bureaus and only one sent something back ( XXXX ) which states the investigation will take 30 to 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Prepaid card (Mobile wallet) with AMERICAN EXPRESS COMPANY (CA).
Issue: Fees

Complaint: Received {$50.00} prepaid card AMX when bought cell phone 2 years ago. Exp. XX/XX/XXXX on card. Went to use yesterday, and find out they have been charging {$4.00} per month fees since XXXX 2016, and now I have almost no money left. They claim they emailed with info. I never received said information ; and had changed my email address. I never thought to inform them, since it was a prepaid card. They say tough, they informed everyone via email they had on file. Never received anything in writing by mail. Seems like these fees should be documented via return receipt verification. They will not reimburse the fees. Funds do n't expire, they just steal the money using what they call legal fees. I would have spent the money earlier if I had known the fees were adding on there. Outrageous that these CC companies can charge this on prepaid money.From : California Code of Civil Procedure Title 10, Chapter 7 - Unclaimed Property Law 1522. 
Deduction of Fees No service, handling, maintenance or other charge or fee of any kind which is imposed because of the inactive or unclaimed status contemplated by this chapter, may be deducted or withheld from any property subject to escheat under this chapter, unless specifically permitted by this chapter. 
Even when specifically permitted by this chapter, such charges or fees may not be excluded, withheld or deducted from property sub ject to this chapter if, under its policy or procedure, the holder would not have excluded, withheld or deducted such charges or fees in the event the property had been claimed by the owner prior to being reported or remitted to the Controller.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Other

Complaint: Eleven years ago I lost my job then had a problem with identity theft. I explained the situation to MBNA/Bank of America. I asked to use the insurance that I paid for and they told me I did not qualify to use it. Then they told me that since I was only making the minimum payments, they were going to up my APR and my monthly payments. They continued to increase these till my monthly payments were over {$2000.00}. I closed the account in XXXX, but continued to try to make some form of payment until XXXX. They continued to add interest after the acount was closed. They called me again in XXXX XXXX and threatened me. I told the lady that I did not have the money and it had been over 10 years and they could not continue to harass me. She said " That is not how it works and we can do whatever we want. '' I checked on the statute of limitations in the state of Texas and it is 4 years. They proceeded to write off the debt and file with IRS. This is not legal according to the Fair Debt Collection Act since the debt is way past the statute of limitations ( 4 years ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (Other debt) with Results Unlimited, Inc. (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX, {$510.00} was held by my bank. Upon calling, I was told it was in regards to a legal matter. I was given a phone number to Results Unlimited regarding a debt that I was unaware of. I asked how and when they notified me about this. SHe told me she did n't have the file in front of her and did n't know. She asked how I wanted to pay and that my options were a credit card or they 'd keep the funds currently being held. ( which seems illegal to me ) I woke up with NO CLUE why money of mine was being held. Out of fear, I paid with a credit card over the phone and was told I 'd receive a letter and the hold would be removed by my bank. 
Today I discovered, after calling my credit card company, that Results unlimited took a cash advance from my credit cared and I was charged another {$19.00} dollars. I was NEVER told it would be a cash advance. I 've tried calling and it just rings and rings. My credit card instructed me to call them, as they could not refund the charge. 
This has been awful. All 10 days before XXXX. There has been NO communication.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Problems caused by my funds being low

Complaint: I have been a customer of PNC for almost three years. I believe that PNC targets their consumers who once they have reached a certain amount of overdraft fees, they just add erroneous fees later. Example. Last year I had a lot of bank issues and I had {$180.00} worth of overdraft fees. This year I decided to keep better track of my spending to avoid these fees. 
In XXXX my account was overdrawn {$60.00}. PNC 's policy is you have until XXXX to bring it current otherwise you will get a {$36.00} fee. I took out a payday loan of {$100.00} and put it in my account, so I had a positive balance. The next day PNC charged me {$36.00}! I immediately called the branch the manager argued with me and said that even though it 's not PNC 's error she would refund my OD fee since I did get a payday loan to avoid it and she wants to acknowledge my effort ... Since my OD was refunded I did n't proceed any further. Now as of yesterday I had XXXX deposits. XXXX for {$8000.00} another for {$160.00} and another for {$750.00}. Prior to the deposits my account balance was - {$17.00}. I put {$17.00} on my card which left me with {$.00} overdrawn and PNC policy is any balance {$5.00} and under will not get a fee.. I wake up with almost {$10000.00} in my account and I see an OVERDRAFT FEE!! Because a check for {$110.00} was processed BEFORE they let my credits come through! They do n't time stamp when debits and credits come through for the purpose of being able to process debits before credits. Because since my balance was XXXX cents they allowed the {$110.00} to be processed so the {$36.00} fee could be charged and THEN they let my credits come through. I spoke with another employee who advised that while they can see where I would think their system is triggered that once you hit a certain dollar amount of OD fees, they will just throw random fees at you. She assured me that 's not the case even though she could n't admit which transaction came first the debit or the credit. Based on yesterday me getting an overdraft fee based on them saying the debit was first but they do n't time stamp so they ca n't prove it, then they do n't need to be charging fees!! How many other people have they got with this technicality? Basically we do n't know which came first, but we are going to benefit from this either way???!!! I geniuinely feel that if you all start and investigation you will find that PNC has very shady practices.

Company response to consumer: Closed with explanation