milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/17/2016 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Account opening, closing, or management

Complaint: I wanted to close my checking account with PNC Bank about a month ago due to the fact they were charging me overdraft fees because my online bill pay was deducting bills only hours before my paycheck was deposited, but it was overdrafting my account. This happened a few times before I gave up and decided to switch banks. XXXX weeks ago, I attempted to close my account and they said I could n't because I had pending charges. I 've gone back every week since, and they have said I still have pending charges. Saturday, XXXX, I went in and they told me I had {$1.00} in my account, but I still could not close my account due to a pending charge. Okay, fine. Today, I woke up and I am {$6.00} OVERDRAWN due to a service charge they hit me with this morning, all for going in to speak to a teller about closing my account. When I called and explained why I was upset, their office XXXX suggested I bring the account to a XXXX balance before coming into the branch office tomorrow to again try to close the account, and she said MAYBE they could refund me the service charge. She said if I did n't add money to this stupid account to bring it to a positive balance, I was subject to a {$39.00} dollar overdraft fee -- the entire reason I wanted to close this account in the first place. This bank is literally out for every single cent they can get off of people. I am underemployed, buried in student loan debt, and I work very hard for my money so paying a ridiculous amount in fees and having to give up time every week to go in and attempt to close an account is really bothersome. Oh, and they wo n't refund my fees, because that 's the entire reason I 'm closing my account down. This bank is manipulative, deceitful, and greedy.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Loan modification,collection,foreclosure

Complaint: Dear XXXX XXXX XXXXMy name is XXXX XXXX and I 'm a XXXX year old widow. My husband passed away 12 years ago next month. At the time of his death I was not able to afford my mortgage payments but knowing I 'm responsible for my debt I started taking in roommates to help cover my income shortfall. Time and time again I found myself being taken advantage of and had to move multiple people out. After trying to make it work with roommates I just found them damaging my property or not paying me. Finally after about 10 years ( XX/XX/XXXX ) I decided enough was enough and tried selling my home. It did not sell and I relisted it in the XX/XX/XXXX and still has not sold. Not being able to afford my mortgage I fell past due on my XXXX payment. Wells Fargo started calling me XXXX times a day and they finally broke me on XX/XX/XXXX. By that date I had spoken with multiple people and had received information in the mail. But on XX/XX/XXXX I got a call at work. I told the gentleman that I was at work and to not call me there anymore as I was working and losing my job would not help the situation. I hung up on him. XXXX minutes later he called back. I was in shock at the blatant disrespect and felt harassed that he would do that. Again I told him to stop calling me there and while he did not call me again that night I still received calls and voice mails at my job. Also in cutting back my expenses my only home number is now my cell phone which they are repeatedly calling. Sometimes there are people there and sometimes there are not. I sold some personal property and was able to make XXXX mortgage payments on XX/XX/XXXX. After doing some research I believe Wells Fargo violated my rights under the FDCPA and TCPA. Please take action against them on my behalf. I also do n't want to receive phone calls from them ever again! I revoke any consent I have given them to call me at my job, cell phone or any other number they have. I 'm happy to respond to them in writing. 

Thank you XXXX XXXX for your help, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/17/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (IN).
Issue: Loan modification,collection,foreclosure

Complaint: We are contacting the CFPB in desperation in dealing with our mortgage company. We were recently denied for a loan modification again due to not having a valid hardship. We did not realize after being in review for so many months that if we had given more details regarding our hardship explaining the reasons due to XXXX not working was health related having proof of this as well, that the outcome of the decision could have been different. We fell behind on our mortgage payments. In XXXX of 2013, XXXX had been XXXX from his job when the company closed. This was the XXXX time this happened with XXXX different companies. During this time, XXXX became very XXXX in XXXX of 2013 for XXXX months which is also why his XXXX was stopped as you need to be able to work and he was not after being XXXX. Since then, he has been in XXXX. He has to take medicine that is n't covered by insurance. Since XXXX is unable to work and we have increased medical expenses monthly, XXXX has been able to get an increase in pay and can show affordability to resume making payments again. We have attached the XXXX statements and monthly prescription bills to prove this hardship. We did not disclose this previously as this is an embarrassing personal situation and did not realize just stating XXXX was not working was not a valid hardship. We applied for a modification when we were current on payments as our savings was being depleted to pay the bills up until XXXX of 2013. We have been denied on a few occasions since. Although our hardship is long term, if the arrears we owe could be capitalized back into the loan and be brought current, we can show affordability to resume making payments again with just XXXX income. I know US Bank provided us with a copy of the BPO report showing the value of this home is {$250000.00}. With arrears, we owe close to {$320000.00} which makes the loan to value 125 %. We are not asking for a lower interest rate or payment, just a chance to keep this home we have been fighting for so long to keep throughout these difficult times. Please help us as we do not want to lose our home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Closing/Cancelling account

Complaint: My credit card accounts was close for no reason. I have been a customer for over 20 years and this is absolutely ridiculous.

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 08/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was having automatic payments taken out of my bank account from XXXX. I lost my source of income, and called to have automatic payments stopped. The payment was still taken out and overdrafted my account. I had my lawyer involved, who had it taken care of from the bank 's side, but i still have XXXX in my collections. I stopped these payments and do not feel like i owe them anything. This was also several years ago, and happened just before my family of XXXX had to be rushed out of the house we lost to back taxes, which them caused my dad to have his XXXX. My family was enduring major hardship at this time, as well as me being told that i owe money i should not have to owe. I did my part, and i cancelled the payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was thinking about of getting a loan since i looked on my account on credit reports and i was in fair and wanted it higher, i started paying on medical bills to get score up to go get a bank loan or increase on my bank card. I waited a couple mths and i looked over my complete file report because i seen it fell to XXXX I seen XXXX inquiries, I called all XXXX agencies, i filed complaints to the companies that i did not run my credit at al for an automobile, i went online to file complaint, they say i have mortgage, i own my home, because they want you to verify who you are. It wanted me to verify agency of mortgage, i own my home, no mortgage, it asked for monthly amount of mortgage, and its nothing so i put none of these on equifax , XXXX,, and XXXX, i had to call consumer. They had info i never heard of, above is suppose to be XXXX file number but i had to do everything in writing, and to see the online status, it gives me accounts to verify i do not have. I had to send letters out and faxes, I have not heard nothing its been since XXXX XXXX, 2013 and they have verification wrong so i can not check on status. XXXXXXXXXXXX is my email. You can see on my score charts i have no mortgage but when you login in on document Fact act or fast act you will see me to verify? what is going on?

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: My Fiance and I have been having medical issues for the past 45 days where we have had to go see multiple doctors and specialists. Along with medical issues we had to move 30 days ago and we did not receive a bill from the collector with the  XXXX  due date.I received an email on  XXXX / XXXX / 2017  from  XXXX  stating that a 30 day late notice was reported on my credit report and lowered m y credit score  by  XXXX  points. I contacted the creditor at  XXXX  PST this morning  XXXX / XXXX /   2017  and was advised I needed to speak with the collection department. I spoke with a  XXXX  and I advised her of the situation, how I 've been repairing my credit so I can purchase my first home and asked if they would extend me a goodwill courtesy of removing the 30 day late notice. I advised that I would even pay the account in full since the payment was n't missed due to a financial hardship rather I was unaware of the due date. She advised my request would be denied. I feel despite having a reasonable case the creditor is acting unreasonable.

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 03-01-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: i do'n owe any money i have excellent credit Experian keep entering out dated information on my report

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 11-01-2017 about Debt collection (Mortgage debt) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My Mortgae Servicer, Select Portfolio Servicing, has canceled my payment plan due to the fact that I asked them to explain to me exactly what the payments were going towards. I have filed a complaint in the past and they have yet to give me an accurate answer. They allowed me into a catch up plan for the debt they are trying to collect from me. The plan calls for XXXX paymwnts of XXXX each, My simple question is to let me knoow the breakdown of those payments. How much goes to principle and how much goes towards the excessive fees they have added on the years. Instead they have canceled the plan on me. 
They have a foreclosure date on my house for the XXXX XXXX. I would like for them to prove the fact that they actually have a legal right to foreclose on my house. The Mortgage was placed in a trust owned by XXXX XXXX. XXXX XXXX had been sues by the govt. over these trusts and was found guily and told to pay out a settlement to the mortgage holders involved with these trusts. I 've bought that to the attention to the folks at Select Portfolio Servicing and they seemed to know nothing about it. I would like them to investigate that issue more for me. 
I talked to their Ombudsman Dept. about the foreclosure date 4 times over 4 days. 3 of their employees told me the foreclosure date was going to be put off. On the XXXX call I ws told that it would not be put off. This si what they do, mislead you with misinformation and they make common practice of it. I 've noticed that there have been thousands of complaints about this company on the CFPB site, why is nothing being done about this, I had talked to them about working out a settlement but with the foreclosure date so close they are not allowing me the time. It seems they are bent on foreclosing on me without working through all the options. 
I have also requested in the past to see a copy of their servicing and pooling agreement with XXXX XXXX  and it has never been produced. It all makes me weary that they are trying to foreclose when they actually do not have a legal right to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On  XXXX   XXXX ,    2017, I se nt a certified lette r to USAA Savings Bank r equesting proof of the debt as it appeared on my credit reports, with requested documents of verification in accordance with FDCPA and FCRA while infor ming USAA that the  debt has been disputed. Note : This certified letter was signed for by USAA on  XXXX   XXXX ,  2017.    On  XXXX   XXXX ,    2017, I p ulled my credit report to see if the debt had been disputed since no acknowledgement or return letters had been received within 30 days from the initial letter being signed for and received.   On  XXXX   XXXX ,    2017, I  sent another certified letter to them informing them that they have not only violated federal and state laws, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.   I then pulled my credit report again on  XXXX   XXXX ,  2017 afte r they signed for the certified letter on  XXXX   XXXX ,    2017 a nd the information has yet to be updated to claim I have disputed this debt, nor have they informed me of what collection company this debt now resides.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I notified Experian that the XXXX account is incorrectly reporting that I was 30 days late with payment in XX/XX/2010. This information is inaccurate and I would like this inaccurate information removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Consumer Loan (Title loan) with Financial Asset Management, Inc. (UT).
Issue: Lender repossessed or sold the vehicle

Complaint: In XXXX XXXX I took out a title loan on my XXXX XXXX XXXX. I borrowed {$1900.00} from Check City located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah. I was unable to make my payment in XXXX. I contacted Check City and advised them of my circumstance. They assured me everything was okay and to make the payments as soon as I could. On XXXX XXXX, XXXX my account was turned over to their collection department. With a balance owing of over {$2800.00}. They charged me a {$400.00} late fee in XXXX and a {$400.00} late fee in XXXX. I made XXXX payments in XXXX totalling {$500.00}. XXXX payments were made in XXXX totalling over {$800.00}. 
In XXXX there were XXXX payments made each an automatic withdrawal from my bank account in the amount of {$270.00} totaling {$530.00}. By XXXX XXXX XXXX I made a total of {$1800.00} in payments on a loan for {$1900.00}. On XXXX XXXX XXXX Check City reposed my vehicle at XXXX. Stating I owed {$1300.00} plus an additional {$320.00} for repossession fee. It is completely unjustified that Check City was allowed to charge me {$800.00} in fees {$400.00} of which was charged the same month I made a {$500.00} payment. If it were not for these fees my loan would have been paid in full with XXXX last payment of less then {$40.00}. My vehicle should have never been at risk for repossession if it were not for the unregulated tactics of this title loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: On several occasions, Portfolio Recovery Assoc. and Portfolio Recovery called my cell phone after I told them several times that they did not have my permission to contact me. They called while I was at work, at home, traveling and at church. I told them every time for months that I did n't want to be contacted any more unless by mail. They called on many occasions telling me that they were process servers and they told me to stay where I was and do n't leave because they were on the way to serve me legal papers. They even described the other places close to where I worked. I have had anxiety attacks and panic attacks over the phone calls they have made to me. I requested that they send me information verifying that the debt was mine and I never received any letters from them. I also asked them to close the account and they told me that was n't possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have lived at the same address for 19 years. There are XXXX more addresses listed which i have never seen before. I have never lived in the XXXX area or suburbs. Someone seems to be using my name and/or soc to open XXXX and XXXX accounts again. I went through this same thing about 5 years back and it seems to have resurfaced somehow. I need to clear this up and need some guidance.

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 03/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Adjusters, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Screaming at my Manager and sharing information Called them names and Hangup every time, Calling my family members and asking for me saying is about credit debt

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Obtained my degree, and have had difficulty finding a job since. Companies do not want to hire someone out of college with a degree. They seem to want to hire those with more experience. As a result, I have had difficulty paying my loans when I only make XXXX a year.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (FL).
Issue: Money was not available when promised

Complaint: I have not had access to my account for over one month. On XX/XX/18 coinbase disabled my ability to place buy orders on their system, and consequently blocked me from being able to log into my XXXX account. I have several thousand dollars that are inaccessible to me, with no explanation from coinbase as to when I will receive access to them. I have spent multiple hours on the phone and sent numerous email correspondence to the company, only to be given very limited information that they are behind, and my case has been escalated. Customer support is rude, dismissive, and often hangs up on customers. This company has no regard for any sense of professionalism and has held my money against my will for an unacceptable amount of time. In response to a previous complaint made on CFPB, coinbase also blatantly lied by saying that I can access my funds at any time. Once again to be clear, I have thousands of dollars I am unable to log in to see if they are even still in my account on XXXX, let alone withdraw them. At this point I do not know if my funds have been stolen by employees and some sort of fraud is taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX transferred my foreclosure account to BSI and XXXX are reporting on my credit reports. BSI is reporting the BK chXXXX as a foreclosure. They refuse to make corrections. The Bk is 4 years old.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (CO).
Issue: Managing the loan or lease

Complaint: I have paid my car loan every month on time and my car loan company has reported me 30 days late for the past 3 months. On my credit report it stated I was 30 days late for XX/XX/XXXX on XX/XX/XXXX. I am in the process of purchasing a home. I am unable to proceed because my credit score and report have been negatively affected by the false reporting. I have contacted the loan company and was on the phone for an hour and a half with no resolution. I was told it takes at least 20 days to research the problem. This is causing myself and my family major problems in getting a mortgage for a property that we want to buy. We risk loosing the opportunity to purchase what we want because of the negative reporting in error. 
As you can see in the attachment of my payments there is only XXXX late fee assessed and it is in XX/XX/XXXX. This was not late as you can see it was paid on XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation