milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/28/2016 about Bank account or service (Checking account) with PNC Bank N.A. (MO).
Issue: Account opening, closing, or management

Complaint: My wife ( who is a signer on both our business and personal accounts for PNC ) went to a branch to have a third party check cashed. The teller refused because of bank policy of there not being enough $ in our account. ( The check was over by XXXX $ and later Customer Service said that he should have cashed the check especially since there was plenty of $ to cover that check in the attached business acct. ) The incident descended into an intransigent argument. 

As a result of the altercation, the teller cancelled my wife 's personal account debit card using her social security number to do so. This was confirmed by information received by corporate customer service a few days afterwards when my wife called in to check the status on a card that was n't working for transaction even though we have $ in the account. 

I went to the branch where the exchange originally occurred to speak with the manager, explained to her the situation and she even confirmed that this teller 's name was listed as the agent who closed my wife 's card and the date ( that the altercation occurred ) was listed as the date that it was closed. She excused herself to speak to the teller and get " his side '' ... 
Funny, he could remember the altercation, but not remember closing her card, but then gave the manager some story about someone calling at some point later in the day to cancel a card and he could n't remember if it was my wife 's card or not, but he 's not sure ... Even though the manager said to me " but no one 's card but your wife was closed on that day ... '' I was assured that PNC takes these sort of matters " VERY '' seriously and that she was going to be escalating this incident for investigation etc ad infinitum ad nauseum ... 
That was Friday XX/XX/2016. We were contacted by an agent in the " executive relations '' section of PNC that same day saying that she would be handling the investigation, but calls to her or others in her office have yielded only run around results and answers. In fact, the person I just spoke to who was in the same " section '' as the " investigator '' said that no investigation had even been opened regarding this incident. 
This teller has access to our personal information and has already used it once to close a card in order to retaliate against us. This behavior is not only unprofessional and potentially criminal, but it is a serious breach of our trust as multiple account holding clients and the general public at large.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX sold my loan to SLS www.sls.net on XXXX/XXXX/2015. XXXX sent my payments during transition via wire transfer. SLS never credited $ XXXX in funds ( transaction # s, dates, times all provided in writing ), then said they would foreclose because we had not paid. Made payments through bank online bill pay and have documentation, next they began returning online payments because the account was closed. Sent XXXX cashier 's checks totaling another XXXX they have never acknowledged payment for and now say we owe them a huge amount of money. They are also not properly paying our taxes which are in escrow in our payment. Our home has $ XXXX in equity in a very desirable area for schools, etc. We know they want to take the property and sell it quickly. We do n't know where to go for advice that is legitimate. 
XXXX XXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Debt collectors Proof of Service shows that a " XXXX '' received the documents at a location which is not my work or my home. Violation of my XXXX and XXXX amendment rights for improper service. Then they proceeded to get a Default Judgement and levied my bank accounts. 
I called them and they refused to release the funds and demanded payment of the debt in full.They refused to vacate the judgement and dismiss the case if I agreed to enter into a monthly plan. They also would not release the funds that were held ( based on an illegal court order ).

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXXConsumer Financial Protection BureauRe : XXXX XXXX XXXXDear : INVESTIGATORThis letter is to complaint about a problem I am having with the collection company XXXX XXXX XXXX that I been trying to repair since XX/XX/XXXX. 
I am dissatisfied with their service because they damage and continue to damage my credit. I have already attempted to resolve this problem by contact them by phone and in written. I have enclosed copies of my records. Include copies of their collection letters and other relevant documents with Balance Discrepancy 's. Unfortunately, the problem remains unresolved. I am hereby requesting that you : please help me with this company to repair the item and clean my credit reportThank you for your anticipated assistance in resolving my problem. 
Please contact me at my E-mail : XXXXXXXXXXXX if you have any questions. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Credit card () with SYNCHRONY FINANCIAL (CO).
Issue: Credit card protection / Debt protection

Complaint: I received a new Walmart Mastercard in the mail that I did n't sign-up for. I called Walmart MasterCard Synchrony Bank fraud department and they had my social security number and address. I have never owned a MasterCard or had a Walmart card of any sort. Someone opened the card on XX/XX/XXXX and purchased something for {$700.00} ( plus ) on XX/XX/XXXX. Walmart Mastercard Synchrony Bank could not tell me who opened the card or where the card was opened, however they asked if we had an Amazon credit card. We do not, but we do purchase through Amazon and they have had our credit card numbers. That was done on Sunday, XX/XX/2017 and today ( XX/XX/XXXX ) I had the XXXX County sheriff over to file a fraud 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 non-monetary relief
Consumer complaint received 03/23/2017 about Debt collection (Medical) with GULF COAST COLLECTION BUREAU, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have provided this agency numerous times proof that I paid my portion of the XXXX directly to the XXXX prior to the XXXX. My agreement with the XXXX was that all I had to pay that was my responsibility was that amount. This has been going on for over a year. I have provided the proof on multiple occasions directly to the original vendor. They now are trying to force me to pay up by reporting me delinquent to the credit bureaus with the hope that it will scare me into paying up the money i do n't owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: On XX/XX/XXXX I signed up with XXXX XXXX XXXX Client Number XXXX due to my financial hardship. JCPenney 's Department store was listed as one of my debts. JCPenney 's has accepted two payments from XXXX XXXX thus far for the sum amount of {$19.00} each month. After accepting payments JCPenney 's is declining the proposal XXXX XXXX XXXX sent to them due to terms and conditions I never signed or authorized JCPenney 's to enroll me into one of their internal programs. JCPenney 's is attempting to force me the consumer into a program I never signed up for. As of XX/XX/XXXX it was stated to me by a JCPenney 's employee that I was not eligible for Debt Management because I account was coded set up for a particular program I have no idea or have ever been notified about. XXXX XXXX XXXX has sent another proposal after JCPenney 's stated because I missed two payment my account was removed from the program. XXXX XXXX sent another payment in XX/XX/XXXXof {$19.00} JCPenney 's accepted the payment then denied the proposal again. As the Fair Credit Act states, I have a right as a consumer to have a certified consumer debit counselor assist me with my financial hardships. I live on a fix minimum income because I am a XXXX XXXX ( XXXX ) barely making ends meets. JCPenney 's has treated to place my account in collection, continue to compound interest daily without allowing me my fair credit rights causing a more financial hardship burden for me. I wanted to have this matter thoroughly investigated, because I do n't know my rights, I need assistance with this matter. XXXX XXXX XXXX has all the recording from the back and forth with JCPenney 's Credit Department. First stating the proposal might me excepted, but their was no guarantee. As of today, JCPenney 's is stating that they only allow one program per card. I only have one existing credit card with JCPenney 's. Furthermore, I never signed my signature or excepting verbally or in writing any type or form of a program with JCPenney 's Department Store. Synchrony Bank/JCP.

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 02/25/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (RI).
Issue: Loan servicing, payments, escrow account

Complaint: A man was outside of our house taking pictures saying that we are late on our mortgage. I have paid an extra {$500.00} the past 2 months and am on automatic payments. O the atomated system they are saying we are behind over {$3000.00} yet my statements show that we owe the correct amount for the month of XX/XX/2017 and the payments have come out of my checking account. Online through DiTech it says that funds were reallocated on XX/XX/2017 and on XX/XX/2017 yet there is no explanation of why. It also says we are 55 days late. What is going on? Please help - it is a Saturday and DiTech is closed - I am sick to my stomach and have proof of payments and extra payments. Also our principal balance has increased over {$3000.00}, there is a " statement '' from XX/XX/XXXX which I can not download but says we owe {$3400.00} as of XX/XX/2017 and on the same statement it says our last payment was on XX/XX/2017 obviously this is not right. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (TX).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: id theft victim report enclosed to police and id theft gov violates cra inaccurate information 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 non-monetary relief
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: A fraudulent purchase was made in my name, on or about XX/XX/XXXX, from a company called XXXX XXXX, XXXX. The charge was sent to a collection agency, XXXX XXXX XXXX XXXX   XXXX, XXXX, MN XXXX. 
On about XX/XX/XXXX I was notified of a change to my credit report, advising of a lien. 

I have never received an Invoice, Statement or notice of Lien from the Vendor or their Agent. 
The sale was made to a party in XXXX XXXX, FL, and not to me personally. 
The collection Agencies have not responded, nor has the collection Agency. 
This is adversely effecting my Credit Score.

I notified all 3 Credit Agencies and the FTC of the discrepancy, as well as the Collection Agency. No action taken by them.

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 04/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Trans Union will not provide me with my free annual report. Additionally I am unemployed and will be seeking employment in the next 60 days. There is no selection process for ordering a free credit report based on this consumer right. 
I was able to receive both my XXXX & XXXX reports free via internet but Trans Union will not provide my report. 
Please help. Thank you.

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 10/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Placement Services, LLC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I been receiving harassing and threatening telephone calls of death threats from representatives from Professional Placement Services in reference to a collection account that do not belong to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Debt collection (Credit card) with United Collection Bureau, Inc. (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: i sent a debt validation letter to united collection bureau on XX/XX/2016 via certified mail, it was signed for and received by them. i have never received any further mail or validation on my debt from this company regarding a XXXX XXXX bill in the amount of XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (UT).
Issue: Managing the loan or lease

Complaint: We purchased a car from a dealership. We then ended up closing on our home and then because of some landlord issues moved twice in the first month after we sold our home. We did n't receive notification of who to make the car payment to until after it was 30 days late for the XX/XX/XXXX payment. We made the extra payment and have been on-time since. We were told by them ( lied to ) that there would be no negative credit reporting on my wife. We are now trying to purchase a home again and there is a 30 day late. I called every number in XXXX Texas that was in XXXX.com and none reach a person. All fake numbers. When you call customer service you get some foreign country, wo n't transfer you to someone in the USA and I held for almost a half hour waiting for a " supervisor '' to see if I could resolve the issue. Based in XXXX, I am not sure they should be doing business here in the USA if you ca n't reach anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My credit score dropped from  XXXX + to less than  XXXX . US Bank reported an account belonging to my ex-wife on my score. I was divorced in  XXXX . The account was opened in  XXXX . My ex-wife died in  XXXX  and the account went past due. US Bank has never sent me a statement, past due notice, or notice of adverse action. They just ruined my credit. I have called, written letters, and followed their formal complaint process. The amount is {$1000.00}. plus interest and fees.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Few years ago, I made a plan with them to get out of default status by setting auto payments. It was fine for almost a year then they decided to stop receiving my payments. I tried to contact them, only to discover that they transferred my case to a different company and claimed that I did n't make any payments after eight months. Which messed up the plan to get myself out of default status. They refused to work it out with me so I gave up and moved on. I applied for XXXX loan forgiveness instead.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Consumer Loan (Vehicle loan) with LOBEL FINANCIAL CORPORATION (AZ).
Issue: Problems when you are unable to pay

Complaint: My car was repossessed by Lobel Financial XXXX/XXXX/2016. I called Lobel Financial today XXXX XXXX to redeem my vehicle. I was originally told by XXXX in the Reposession department the payment I paid to Lobel financial on XXXX XXXX was never received. I advised Lobel Financial my fianc paid the bills and gave permission for her to speak on my behalf. I was advised I could only speak regarding the vehicle. I advised my fianc dropped the payment off my money order to the Lobel XXXX office. She then told me the payment was never made. My fianc called in and provided the money order numbers and the payment then magically reappeared after my car was taken. I called in to ask what I needed to do today to redeem my vehicle. I was told I needed to pay {$1200.00} by certified funds and the payment would take 15 mins to post and then I would need to contact the tow yard to find out fees and then I could redeem the vehicle. I was giving the run around by Lobel and the finance company for about an hour. I finally was given the location to my vehicle. I arrived at the tow yard " XXXX '' where I was advised I need to pay {$250.00} for storage fees. XXXX is a home/office/tow yard. I paid {$250.00} to " XXXX '' who asked me to sign a paper that was my " receipt ''. I paid the money was walking towards my car with my alarm remote. My alarm remote would not open the car. I was them told my battery was dead. XXXX called her husband who put cables on my car and left it on for about 30 mins and the car still would not charge. I advised XXXX moments after seeing my car that my in dash system was gone. I asked my amp was gone. I advised my wires to my amp and in dash were missing. I was told by XXXX that she had insurance and would file a claim for my property. Her husndand advised me they had issues with their driver who now is in jail for theft. I called Lobel Financial spoke to XXXX at the headquarters and I was advised XXXX was not responsible for my property or the vehicle and I signed a paper stating the property and car had no issues. I called XXXX Police showed them pictures of my property in the car and filed a police report. I went back to Lobel XXXX location advised of the car and my property and was told I needed to speak to " Headquarters ''. I asked for my money back and the gentleman who took my payment offered to return the payment. A lady them storms out her office and says I 'm sorry we ca n't return the payment you need to speak to headquarters. I called Lobel Headquarters spoke to XXXX who was more concerned about my fianc being with me to pick up the vehicle than my issue. I asked to speak to a supervisor multiple times and was advised she would call back. I never got a call back from a supervisor and my issue still is n't resolved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: 1 ) XXXX XXXX XXXX Credit Card is not reporting on all 3 bureaus and it should be. 

2 ) I have tried repeated times to get inquiries off of my report that I am not aware of. To make it worse some of those inquires show up multiple times on my credit reports on all XXXX bureaus. 

3 ) XXXX XXXX XXXX Credit Card does not show up on my XX/XX/XXXX report but shows on Transition & XX/XX/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 03/23/2015 about Mortgage (Conventional fixed mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Upon receiving statements and other correspondence in the mail I contacted my mortgage lender and requested that they immediately stop all mail. I explained that I do not want to receive anything in the mail and that if they must reach out to me or contact me they are welcome to do so by phone or email. They 've refused to honor my request due to what they 've stated is a legal requirement under Regulation Z, Section XXXX They stated that because they do not have a system for sending out statements electronically ( mind you they 've explained this by email ) that they can not fulfill my request. I responded by waiving their obligation to send me statements altogether and I told them that if they can not send statements to me electronically then not to send them at all. I explained that I simply do not want any further mail from them and that it is my right to privacy to place such a request. They however responded that regulations do not allow them to stop mail and they have since continued sending statements to me in the mail despite my numerous requests to stop.

Company response to consumer: Closed
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: My husband and I are attaching a copy of the investigation request we sent to XXXX back in XX/XX/2017. Despite several attempts to follow-up, we have yet to receive the results of our credit updates.

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