milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-03-2016 about Bank account or service (Checking account) with PNC Bank N.A. (CA).
Issue: Account opening, closing, or management

Complaint: My PNC account which I never use was overdrawn. I made the ACH transfer of the remaining balance and asked to close the account. They debited my XXXX account on XXXX/XXXX/2016 and it had still not posted it to my account after 3 business days. 

They are piling on overdraft fees while still holding my transferred amount and giving me incorrect phone numbers to resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/27/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Credit determination

Complaint: On XX/XX/XXXX I responded to a pre-selected application for an American Express credit card. I received a letter from American Express dated XX/XX/XXXX that informed me that my application could not approved as American Express had cancelled previous accounts. The letter further indicated that I was welcome to submit another application at a later date. The cancelled account to which American Express referenced was in XX/XX/XXXX and since that time I have paid all of my credit obligations on time and have a FICO credit score of XXXX. 
I responded with a letter dated XX/XX/XXXX in which I requested a copy of the company credit card policy that pertains to the period of time after an account has been cancelled that a new application may be favorably considered. 
American Express replied with a form letter dated XX/XX/XXXX that failed to address my request for the company credit review policy. The letter simply re-stated the reason my application was declined. 
I responded with a letter dated XX/XX/XXXX specifically requesting a copy of the American Express credit review policy that pertains to the period of time after an account has been cancelled that a new application may be favorably considered. I wanted to ascertain that the credit decision on my application was made in conformance with an established credit review policy and not an arbitrary, capricious decision based on age or race discrimination. 
The last letter from American Express dated XX/XX/XXXX again failed to address my request for a copy of the company credit review policy that pertains to the period of time after an account has been cancelled that a new application may be favorably considered. I will accept the American Express decision to decline my application if the credit review policy indicates the period of time after an account has been cancelled is eleven years or more, since my account was cancelled ten years and ten months ago. The credit review process should be the same for all applicants regardless of age, race or religion and without providing a copy of the credit review policy it is impossible to ascertain that the policy is being uniformly and equitably applied. American Express in every letter indicated that a new application could be submitted at a later date but without indicating the period of time a new application could be submitted to receive favorable consideration the company may be using this as a method of surreptitious discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Debt collection (Other debt) with Meade & Associates, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: My credit application was recently denied, and according to the online credit report that I received less than days ago from the agency denied credit to me, your COLLECTIONS COMPANY issued the report that was used to determine my credit evaluation.   Secti on 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting.    In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. I have highlighted and numbered these disputed items on the attached c opy. The reasons why these items should be deleted are indicated below : MEADE & ASSOIATES #   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX XXXX XXXX Reporting Debt owed, but " No Contract '' with them.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen lost an {$1800.00} payment that was sent in XXXX then charged late fees and returned the check once they found it 3 months later. They continue to deny that they lost it stating they received the funds in XXXX when we clearly sent it in XXXX. They refuse to look at the envelope with the post mark date. This is not the first time a payment has been lost by Ocwen. Last XXXX they lost a {$700.00} check for 2 months. I have now sent a certified payment of over {$3000.00} overnight with signature confirmation and it still has not been applied to the loan. It was received by Ocwen on XXXX/XXXX/15 at XXXX. It is now XXXX/XXXX/15. This is extremely poor business practice and I want them reported for losing my payments multiple times. Someone has to be governing their accounting department and I want them notified. The late fees are illegitimate and I also want those removed. If nothing comes from this complaint, I will contact the attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: This complaint applies to Nationstar Mortgage LLC. I pay my mortgage online, generally, except for a couple times when the website was not working. This past period ( XX/XX/2017 ) I received notice that my mortgage payment had been withdrawn from my account although I had not made any payment. I contacted the company via their secure email and inquired as to who had authorized an automatic payment. After a few days I received an email response telling me what an automatic payment was and how to sign up. They did not answer my question as to who authorized an automatic payment. Yesterday I received a notice placed on my door that I should call them. This type of notice is typically a prelude to foreclosure action. Given the litigation against all mortgage lenders and servicers concerning fraud, illegal foreclosure, and other criminal behavior since the mortgage meltdown and recession, I do not trust these entities including Nationstar. These outfits are basically fraudulent enterprises as is evident by all of the lawsuits filed. It is n't clear to me what their angle is, but they were NOT authorized to withdraw funds from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Federal student loan debt) with GREAT LAKES (DC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX I was reviewing my federal student loans, which are held by XXXX XXXX XXXX XXXX. I noticed that my interest rates had all increased - for instance, for my Direct Grad PLUS loan, my interest rates of 6.96 % had changed to 7.2 %. For my FFEL unsubsidized loan the interest rate had increased from 6.55 % to 6.96 % For my FFEL subsidized loan the interest rate increased from 5.35 to 5.59 %. The same can be said of my Direct loans, of which there are 10 tranches ( but I would be happy to outline the interest rates  and increases if needed ). 

On the same day, XX/XX/XXXX, I contacted my loan provider Great Lakes. I expressed my concern to the representative that my interest rates had increased at some point before XX/XX/XXXX and the last time I had checked my account, at the beginning of XX/XX/XXXX. The representative insisted that my loans were at a fixed-rate interest rate. I agreed, and said that the interest rates had increased regardless. She insisted this was not correct, but agreed to email me a copy of my original MPNs to indicate that the rates had not changed. 

After a day I had not received my MPNs from the loan provider. I found the MPNs myself through studentloans.gov and confirmed that the interest rates were what I had them documented as, instead of what Great Lakes was claiming them to be. I was going to call Great Lakes again, but I noticed online that the rates had been changed back to what they originally were supposed to be. 

I feel that Great Lakes is therefore exercising these practices with other people, who may not notice that their interest rates have increased. I 'm also fearful that they will try to increase the rates again, even though the loans are fixed-rate loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Downloaded my credit report from Equifax on   XXXX  . Noticed the name was incorrect - all credit reporting info WAS correct. The name on the report was that of my daughter BUT it used her maiden name rather than married. The last time I checked my report was in   XXXX   and there were no issues at that time. My daughter, with her name changed to that of her husband, has been married 11 years - longer than the last report. I am working with Equifax to restore MY name to MY report - so far, no issues other than time. But I am concerned about the name change without any apparent rationale.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with Williams & Fudge, Inc (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am a XXXX veteran. I have been give student loan forgiveness. All Loans were supposed to be rolled into XXXX and then discharged. I disputed this with the XXXX. Upon checking my credit report today I noticed that instead of the company placing a dispute on the original account. They just created another identical account and added the dispute to that account, leaving now XXXX accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am XXXX veteran and told hospitals that they would be paid by VA I gave them my member ID # XXXX & SS # XXXX as well as address to submit their claims. Now after years I see they are all listed on my credit report.Causing extra Fin cost on every thing.I served and paid the price. Hope you can help me I would be very grateful. XXXX XXXX. XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Checking or savings account (Checking account) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: Someone stole my check and wrote a check to herself for the amount of {$5500.00} and signed the check herself forging my signature. The signature did not even look like my signature. Union Bank ( XXXX XXXX in XXXX XXXX, address is : XXXX XXXX XXXX, XXXX XXXX, CA ) did not verify my signature and cashed the check. They should have verified my signature specially for this large amount. Union Bank made a big mistake. And now they are not giving me back my money. I talked to the branch manager, XXXX XXXX XXXX regarding giving me back the money back. I had another similar situation before. XXXX XXXX gave me back the money but he also forced me to sign a form that if there is any more trouble with Union Bank will not be responsible. He did not explain to me what I was signing. And this time, he does not care about me losing money. He does not care that Union Bank made this mistake. 
I feel that I am a victim again. Not only by the person who stole my check, but also a victim by Union bank. 
I reported this to the police. Case number is XXXX. Copy of the police report is attached. 
My English is not very good, please contact my realtor, XXXX on behalf of XXXX XXXX email XXXX and cell phone ( XXXX ) XXXX and address XXXX XXXX XXXX XXXX, XXXX XXXX, CA 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 07/24/2017 about Debt collection (Other debt) with ERC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Accounts - XXXX, XXXX, XXXX were closed due to identify theft but for some reason they are still in XXXX XXXX XXXX XXXX XXXX and they keep harassing me over it. Called XXXX and Enhanced Recovery Solutions said they could not talk to me about accounts. Just want these taken care of and proof that they were taken care of. Also Verified that there were taken care of over 2 years ago with XXXX XXXX XXXX but due to lack off communication they stayed open through 3rd party collectiuons.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have been dealing with the credit bureaus in regards to an item that was reinserted onto my credit reports. I have disputed based on the FCRA Section 611 in regarded to previously deleted material. It states that the consumer reporting agency is to provide notice within 5 business days of reinsertion. I was not given notification in regards to XXXX XXXX which was removed in XX/XX/XXXX and reinserted in XX/XX/XXXX. I have sent items showing that the items were in fact in dispute in XX/XX/XXXX and removed in XX/XX/XXXX as well. Even with the proof, I 'm getting no results. I was even notified by a TransUnion agent and supervisor on XX/XX/XXXX that the credit reporting agency is not required to give notice. They then advised me to call back tomorrow to speak to the US special handling department because they were gone for the evening at that point. When I finally spoke with a supervisor from the special handling department, I was advised that they did not show the item disputed. I then faxed them the information from XXXX XXXX, which is run by Trans Union, that showed the information was in fact disputed and 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 08/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I ran my credit and saw that I had a neg account under Convergent Outsourcing in XXXX, WA. I called to find out what this was and they claimed it was a XXXX account. I did have a XXXX account but closed it because they kept overcharging me from what my plan agreement was and for apps I never ordered. I paid the bill at just under {$600.00}. CO Inc. claims I owe {$1200.00} and it is on my credit report. First I asked them to prove to me the debt, they refused and told me I know what it is and second they would not talk to me unless I paid in full at that moment. I filed a claim with XXXX, and disputed with XXXX, XXXX and XXXX. They still claim I owe it and wo n't budge. This is on my report and I do n't owe the {$1200.00} they claim I do. When I called again this week they told me I had to go in a website and they would walk me through. It was really strange and the account # was not what is listed on my credit report. It just seemed really shady. I want this off my credit report because I am a XXXX and trying to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: A speed fast mortgage payment was made on XXXX XXXX, 2016 at XXXX XXXX. by phone, confirmation number XXXX, but the payment was not posted until XXXX XXXX, 2016 because the cut off time was XXXX XXXX. Since there was a 49 minute difference I requested by fax and I mailed a letter to Ocwen to adjust the payment postdate to the correct date of XXXX XXXX, 2016 and remove the delinquency from my credit report, but Ocwen is denying my request. I talked to XXXX agents at Ocwen who both confirmed the payments are shown to be made on XXXX XXXX, 2016. The first agent was XXXX agent number XXXX and the second was XXXX XXXX agent number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I understand that a large breach of personal information from XXXX recently occurred. I 'm filing this complaint because I feel that as a business that profits on credit reporting and tracks/stores large amounts of personal and sensitive financial and other information about me, my family, and my loved ones should, if not by law then at minimum as a best business practice, be required to control this data securely. I have been exposed to fraud due to poor practices at XXXX ; i 'm taking steps ( i.e. 90 day fraud alert ) for myself ; however, several people that I care about are not equipped to submit online forms and paperwork and research solutions as I have done. 

I would request the following from XXXX ( and other credit monitoring companies ) : 1. provide professional counseling service from a qualified individual to guide those affected/potentially affected by the breach so they can minimize risk. 
2. provide indefinite fraud alerts for all individuals whose data is gathered/held ( not just the free 90 day fraud alert available currently ) 3. Provide insurance or an escrow fund for legal fees and reimbursement for people who suffer identity theft in connection with XXXX ' handling/mishandling of data 4. Institute a more secure way to access my credit-i.e. a form of 2 factor identification that makes it harder for other individuals to use my information. 
5. Ensure that the above options can be easily requested and accessed by the layperson and people who do not regularly use the internet. 

I would be in favor of broad overhaul of credit monitoring and tracking practices on a national/global scale.

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 03-10-2016 about Debt collection (Credit card) with Velocity Portfolio Group (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have received a threating letter from XXXX XXXX, Incorporated address XXXX XXXX XXXX XXXX XXXX, XXXX, SDXXXX. 
Phone number XXXX or XXXX file # XXXX Dated of letter received : XXXX XXXX, 2016 I believe this is an overt attempt to collect on credit card that was discharged off my credit report and should n't be sent to my attention at this point. As matter of fact this is an old debt from what the letter states. Its been resolved. I was a victim of identify theft and even though this is coming to me now its been discharged period. 

Current Creditor : Velocity Investments , LLC, Named person is XXXX XXXX, Operations Manager Original Creditor : XXXX XXXX, XXXX. 
Original account # XXXX This is nothing but extortion of an old debt which probably was sold to this organization. I want this issue resolved and closed out.

Company response to consumer: Closed
Consumer complaint received 02/28/2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CO).
Issue: Using a debit or ATM card

Complaint: My attorney recommended that I work toward re-building my credit after XXXX and a Bankruptcy filing. I opened a secured credit card with Wells Fargo with {$1000.00} and a debit account based on a checking account with Wells Fargo. While traveling to Oregon, one of the two cards was misplaced and I could not find a bank obtain a new card and so just closed the lost card and never used any Wells Fargo accounts after the loss. 
Subsequently, when I applied for a loan to purchase a house, I discovered that I had eight ( XXXX ) accounts open in my name and as a result did not qualify to purchase the house because of " bad credit ''. This was all before the scandal of Wells Fargo opening accounts for people without them knowing about the accounts in their name. The fraud on the part of Wells Fargo has cost me personally in excess of {$50000.00} in moving costs, rent payments etc.

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