milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/24/2017 about Mortgage (FHA mortgage) with PNC Bank N.A. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I have a home loan through PNC. I lost my job last XX/XX/XXXX and when I did I contacted them and told them what happened and that I would need assistance with my mortgage. They sent me a huge packet to fill out. I filled that out and got all the required information together and faxed it back to them. It cost me {$140.00} to fax it to them. Two weeks went by and I did n't hear anything. Then a couple months went by. I called and was told that I had been taken out of loss mitigation and put into forclosure for non payment. I said wait what? I filled out the packet and sent everything in. I called and left messages and no one called me back. So the lady told me that they needed more information. They needed my grocery receipts to prove I bought groceries, a bill for HOA fees ( I told them I do n't pay HOA I pay condo fees and I do n't get a bill ). A lot of stuff I ca n't get or that does n't exist. They wo n't work with me at all. I made a {$1200.00} payment and they said they are sending it back. They refused my payment!!!! Is n't there a law about refusing a payment that it 's considered bill paid in full? This bank is horrible period. They absolutely will not work with me at all and I have been trying for months. I have a little girl and husband. I 'm now connected with XXXX but they recommended I file a complaint with you. I 'm hoping you can help as well. Something has to be done with this company. It 's ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: We have a security freeze on our credit files with all three credit agencies to prevent identity theft. When we want to apply for credit we lift the freeze temporarily for 30 days. Transunion has created XXXX credit files for both of us because they are too lazy to actually lift the freeze when they are requested to do it. The main file with our full history has a good score. The duplicate file has almost no credit history and therefore produces a low score. Instead of actually lifting the freeze as requested and sending out the full file, they send the duplicate that has almost no information. It produces a low score and has resulted in us being denied a refinance on our home mortgage over the last two years with XXXX banks. This has cost us over {$1000.00} in application fees and thousands of dollars in higher interest payments. Credit agencies have our social security number and should not be allowed to maintain more than one credit file per a single social security number. In other words they should not be allowed to create a new credit file just because accessing the correct full file would be a little extra effort due to the need to lift a credit freeze. It took me two years of countless inquiries to learn why my credit score would be reported so much lower than normal range when the banks requested it during my home loan application process.

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 06-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: a state tax lien is showing up on my credit that does n't belong to me for {$1200.00} and its affecting my credit score.

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 06-09-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Seriously Equifax , ca n't you just obey the law and end this back and forth, if you are XXXX that you were wrong, I 'm sure your health insurance has a XXXX to help with that. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX have sent you nothing proving these debts are mine. In a call to all XXXX on XXXX XXXX, 2016 they confirmed it. You are breaking the law and I will do everything in my power to get my identity back.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (AZ).
Issue: Other transaction issues

Complaint: My account with Paypal was closed on XXXX XXXX, XXXX. Paypal claimed that my funds would be available after 180 days. I accepted these terms, but on XXXX XXXX, XXXX, paypal emptied my account to a near {$0.00} balance ( from {$800.00} ). Paypal claims this was for chargebacks or claims against my account, but no such chargebacks or claims were made ( as verified by paypal when I called ). In addition, I highly doubt multiple customers initiated a chargeback on the same day, 6-8 months after the unrelated transactions. Furthermore, I doubt the chargebacks would be exactly equivalent to my account balance. 

It is clear that Paypal has taken funds out of my account for no apparent reason. Additionally, paypal attempted to do this in an underhanded fashion, waiting until 5 months after my suspension and sending me an email stating " Check your paypal message center ''. The email had no mention of my account being emptied.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The following account, collection accounts and hard inquiries are fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, XXXX XXXX {$170.00}, XXXX XXXX {$140.00}, XXXX XXXX, XXXX/XXXX/XXXX and XXXX XXXX XXXX, XXXX/XXXX/XXXX. I been receiving harassing telephone calls and death threats from representatives from XXXX XXXX and XXXX XXXX for a debt thats fraudulent, not mine and dont belong to me.

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 12/20/2016 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: XXXX is continuing to try to collect for a debt that was paid in full several years ago. The collection agency Convergent Outsourcing is reporting the debt on my credit report incorrectly and it has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I submitted all required information for identity purposes to Equifax. Equifax promised to give me an instant credit report. After I had to submit sensitive personal information subjecting my information to possible hackers, an Equifax screen stated that I must now write to them with the same information saying that Equifax can not give my credit report to me online. No explanation as to why not. Everyone knows what instant means and this is not instant. Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Mortgage (VA mortgage) with American Financial Resources, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage through American Financial Resources ( AFR ) and was offered an IRRRL through eLend, which I agreed to complete. It has been a nightmare since inception. They XXXX around and the rate went up, then was finally locked in. Then, my escrow was half ( per month ) what it was supposed to be. XXXX XXXX provided the excuse that since wind coverage is n't a required coverage, they forgot and left it off. Keep in mind my original mortgage was through AFR and they had the wind in the escrow. I live in the XXXX - where we have hurricanes ... which means high winds. I asked for the escrow to be recomputed and now my payment is $ XXXX/month higher than my ORIGINAL payment. Keep in mind, my insurance and taxes have not increased more than {$100.00} in a year, my financed amount went from {$250000.00} to {$240000.00}, and my interest rate dropped XXXX basis points ( .5 % ). So my original payment was roughly {$1800.00} and is now at {$2000.00}. With my principal amount at roughly {$1100.00}, the $ XXXX+ escrow amount per month puts the escrow around $ XXXX- $ XXXX/year. Last year, my flood, wind, liability coverage and taxes were {$6800.00} ( roughly ). I want AFR to fix this once and for all. Getting tired of dealing with these XXXX as they think I am stupid and will pay an additional $ XXXX/year for them to hold on to. My first payment will be considered " delinquent '' by XX/XX/XXXX so I would like this fixed before then. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Checking or savings account (Other banking product or service) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Chase takes a very long time to send over transaction history

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage payment is deducted on the XXXX of each month from my checking account in XXXX i changed banks ; I immediately went online to my account Ocwen site and updated my i new bank information. I went back into the account to make sure new info on bank was still listed. I then monitored my bank account was withdrawn after 2 days from the XXXX the money was still in my account so i got back online with Ocwen and saw that the old bank info had replaced my new bsnk info. I immediately changed the info to new bank and called Ocwen and made arrangements to pay the mortgage on the XXXX. Which i did. The next thing im getting a pre foreclosure notice because of the ach return notice they XXXX when they submitted from the wrong bank abd the o ly way they will accept my payments is through XXXX XXXX. And though i paid the late fee they are still charging late fees- thouhg my payments are on time. I have also asked them if i can change my payment date to be more inline with my payday and the refuse to work with me at all. Also the only way they will except my payments because of the XXXX mixup is through XXXX XXXX. My payment has also gone about 2 years ago from XXXX to XXXX. I hope you can help me with these issues

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Checking or savings account (Checking account) with BANK OF THE WEST (IA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I opened an account A local on-line banking institute about seven months ago upon completing the enrollment process on-line, I was promised a {$300.00} enrolment bonus, when I contacted my bank via on-line I was given a run around, which to date I still have n't received any portion of the {$300.00}. I 've received several bounce slips with choice words as to refer to the " MAKER '' for reason of non-payment, I received conflicting deposit and withdrawal codes. I did attempt to correct or fix the errors, but to my surprise I was n't that lucky. Today I went to the local branch to just cash a payroll check from my employer and was informed my account had been charged-off for non-payment. I was however able to immediately reopen my checking account successfully with a XXXX dollar deposit, but given no explanation as to why so many problems to where it has effected my credit and credit score negatively, not to mention embarrassing and frustrating to name a few. The bank I 'm referring to is XXXX XXXX XXXX Checking.

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 08/21/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Bank Of America refusing cancel my PMI without expensive appraisal even so my principal balance of existing mortgage is below 75 percent of the original value.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (NY).
Issue: Making/receiving payments, sending money

Complaint: I had an account with Paypal for years and because of their service I have occurred XXXX in bank fees. This is because of Paypal 's Instant Transfer policy that customers are forced into by providing a bank account number. I have been given paypal credit and their method of increasing credit is through purchases, however in this very process of seeing whether one can receive a credit increase if it is denied without your knowledge your bank account will be charged through their Instant Transfer policy.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ballybunion Enterprises, Inc (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: These people call, text, and e-mail me constantly. I 'm positive that they call from different numbers as no other places call me. The only time that I 've actually talked to them the guy demanded that I make a payment now.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Billing disputes

Complaint: Unauthorized charges were approved to newly opened Citibank Credit Card account with the wrong cardholder name and cardholder number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/28/2018 about Student loan (Private student loan) with Unisa, Inc (KS).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Was using XXXX as the previous student loan finance company, before my loan was transferred to Unisa. I never had any issues with payments being received by XXXX. However, with the current provider, I have had an issue every single time I have tried to make a payment, resulting in several " past due '' marks against me -- each time due to their computer system that repeatedly fails to handles the payments. I contacted the company by their email contact form, concerning their system continuously having errors. I never received a response. I mentioned the issue to the customer service representative when having to make a past due payment due to their system, again, to no resolution by the company. 

I have attached a screenshot of my account payments, all being late due to their faulty payment system. Only one payment with them had been made previous to what was shown in the screenshot and it was on time due to their system being completely inaccessible ( could not even log in ) the first time I attempted to use it -- so a call was made to make the payment. Every following time, I had access to the system, the system indicated that everything went through and was processed correctly, and then would later tell me it was past due and would have to call and make a late payment. 

The continuation of the issue and the disregard for it indicates that these errors may be intentional so that the consumers of their system will have more interest to pay them on the payments, resulting in purposeful inaccessibility and essentially a fraudulent payment system.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Student loan (Private student loan) with First Associates Loan Servicing LLC (MI).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I HAVE A PRIVATE LOAN FROM XXXX XXXX. THE COMPANY ( XXXX XXXX ) PUT ME ON A REPAYMENT PLAN AFTER GRADUATION FOR $ XXXX MONTH BASED ON MY INCOME. I WAS ALLOWING AUTO DEBIT PAYMENTS FOR THIS $ XXXXMONTH FOR THE FIRST YEAR. AT THE END OF THAT YEAR THE PAYMENTS CEASED AND THEY INFORMED ME I HAD " BACK '' PAYMENTS I HAD NO KNOWLEDGE OF. THESE " BACK '' PAYMENTS EXCEEDED {$5000.00}! ON TOP OF MY NEW LOAN AMOUNT OF $ XXXX THAT WAS ORIGINALLY TOLD TO ME TO BE $ XXXX. 
I NOW HAVE TO PAY THE $ XXXX IMMEDIATELY AS THEY HAVE ALREADY REPORTED NEGATIVELY TO MY CREDIT BUREAU. 
AS MANY OTHERS WHO HAVE ATTENDED XXXX XXXX I AM STRUGGLING TO REPAY ALL OF THESE LOANS AS MY DEGREE IS CONSIDERED BY EMPLOYERS TO BE " WORTHLESS ''. 
I DO NOT UNDERSTAND HOW THEY CAN CHARGE " BACK '' FEE 'S ME FOR HAVING A REPAYMENT PLAN THEY SET UP FOR ME.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 9 fed student loan accounts that were dinged 90-119 days late. The time the accounts show late in in XX/XX/2015. I had a retroactive forbearance approved for those specific dates yet they still report negative on my credit report. I have filed a dispute with the credit bereaus and XXXX has sent a reply saying the accounts have always been in forbearance. Its impossible for there to be a late payment if the account has always had a Forebearance.  It is not right for them to charge massive interest during the forbearance period and say that I was late. I need this fixed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Debt collection (I do not know) with Penn Credit Corporation (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Two phone calls were received on XXXX/XXXX/XXXX at XXXX XXXX ET and XXXX XXXX ET from a Penn credit corp on caller ID. No message was left with any details and when attempting to call back all that was being said in the first call is that this was regarding a personal business matter. The company name was not divulged and nothing other than this call is being recorded were advised. They asked twice to speak with someone else but all they would advise is that this was not a sales call when asked directly. After doing more research online it appears multiple individuals have been scammed by this company for non existent or settled debts. There has been no notifications received by mail and no knowledge of any debts outstanding as all have been paid up to date. This company seems to be taking a large amount of liberty with when they have to divulge who they are as well as dancing the line of legality with their outbound sales calls. When I called back asking to verify if the first number was legitimate using a different number directly from the companies website all they could advise is that they use multiple numbers including local numbers sometimes. They have removed the number from the listing but we have no way to id the debt without giving out personal details and potentially being falsely held liable for an invalid debt. At this point our next step is to contact our lawyer and escalate the matter legally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I received a call from a telemarketer from XXXX XXXX by a lady named XXXX. XXXX. The lady had me record a statement that I did not want to provide my SSN. She assured me that a credit application would be based on my business income and not my personal information or credit. An inquiry would not be made without my consent. She asked me for my business Ein, address and income and date of birth. She somehow pulled my credit, said my application was denied and hung up. I have been unable to call her back. She straight lied to me. Now I have a hard inquiry denial for credit with XXXX and probably the other Two bureaus. Can XXXX XXXX telemarketers just lie to us with immunity and without recourse?

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 05-12-2017 about Checking or savings account (Checking account) with CARD Corporation (NJ).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I lost my card, someone took  XXXX  $ off my card, called my card in lost. They stated to me that I had to send in a depute form, & a address change, I finally got my card after a whole month of them saying the documents I sent was a erro because they could not see it, finally after the  3rd  time of me spending it they sent out a new card. Now they are saying because they did not see the depute form in 10 days that I will have to wait  45-90 to  hear if I will get my money back, mind you I sent it to them more then two times. So how is it my fault if they could n't see it & they never respond to me saying it was a problem I had to call them to check on it

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I notified Equifax in regards to information that is not accurate on my report. I have written to Equifax XXXX times over this issue. I was in dispute against XXXX until I received a cancellation. I did not receive an involuntary repossession, this was a disputed account.

Company response to consumer: Closed with explanation