milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2016 about Bank account or service (Other bank product/service) with PNC Bank N.A. (ND).
Issue: Deposits and withdrawals

Complaint: I am the executor of an estate who requested information from the institution relative to outstanding liens by the original holder. PNC bank gave me great difficulty in addressing the issues that were requested by my lawyer in validating the legitimacy of the their liens before paying. i had presented my credential to Once I received the proper statements I paid the amount less the legal expenses incurred by addressing collection agencies. What happened next after I authorized the payments with a report is there starting debiting my estate account without my authorization even after my remittance in good faith with accounting claims attached. then they threatened me with financial demerits if I did not all other electronic claim on the estate account. Now after paying and I am in a lawsuit they wrote off the loans with no payments for their accounting. I learned about this during a credit check because of my lawsuit. I went to the bank to ask for assistance and was threatened with security even though I was sitting down asking for documentation and contacts within PNC to resolve my Issue peaceably. The threats were carried forward even today because it was not suggested that I return to clean up and find communication required to clear my name.even though the local branch had ample information to aid in my defense they seemingly insisted that I take it up in another city and kept giving me communication links to corporate. They have my father 's account written off and note that I outstanding was never paid in full even after my accounting. The local branch officer XXXX XXXX the account manager who basically hung up the phone up on me and told me when I went they she did not have the time of day for me. Had she given my the responsive information I would not be writing this. 
Now we come to extra expenses because PNC failed to report under a seemingly proper accounting where I am reported as delinquent in their payments even though it is documented by checks but not by XXXX and other reporting agencies because of the records promulgated from their offices. Hence I am guilty before being proven innocent when trying to carry out the law while their reporting schemes undermine my integrity to their profit. They also failed to transfer the funds under proper accounting practices in NJ incorporating the XXXX form which should have been done when they relinquished or transferred funds to and estate fund as required by NJ law for estate taxation purposes

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Debt collection (Private student loan debt) with Texas Guaranteed (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XX/XX/XXXX, I receive a letter of collection from XXXX ( XXXX XXXX, soon to be XXXX XXXX ) about a debt that I am already paying on via offset of my Social Security. They are threatening collection action if I do n't make payment arrangements ( current letter included, dated XX/XX/XXXX ). I have been paying this debt, above a reasonable amount since XX/XX/XXXX ( Documents attached, except XX/XX/XXXX as that document is missing ). 
This company does not participate in an Income-Driven Repayment Plan with the US Government, Dept of Education, yet, they collect for the Dept. of Education. I have submitted such a request ( IBR ) to the Dept. of Education, via XXXX, and they have long-since accepted this. I am currently on forbearance. 
I highly resent their letters to me threatening collection when they are already collecting on the debt. I do not talk to them as they contact me through various, unknown phone numbers and often, the people on the other end are not helpful. Furthermore, voicemails that are left leave only a name of person to call and, " Please call this number and reference this file [ some number given ]. '' As no other information is left, no calls are returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (MN).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: This is a complaint about SageStream, a credit reporting agency. I have recently learned that a credit report from SageStream has adversely affected XXXX of my financial applications. SageStream has egregious requirements in order to view my own credit report from there including sending an excessive amount of personal information via insecure methods. This is completely unacceptable. If they want to be a proper credit reporting agency they should be forced to also be included as a company on the XXXX website. This information should be more easily accessible online.

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 08-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have federal and private loans with Navient. Never been late in my entire history except for one other date ( aproximently 1 year ago ) and it is because of the very same reason. I pay both loans separately as always. My two XXXX payments were ALL applied to one loan and the other was left unpaid. I changed absolutely nothing in my payment process and was surprised when I got notice of a late fee notice near the end of XXXX. At first I thought it may have been an error on my part, but upon checking with my bank and confirming with Navient this was not the case. Upon my first call on Thursday XXXX XXXX I was told this was going to be taken care of in 24 to 48 hours and they understood the issue. Saturday XXXX XXXX I received a treating call that I was late on my payments. Again I explained the situation and was again told 24 to 48 hours. Next day I called back and was told completely different time frame of XXXX XXXX for the late fee and payment to be corrected. I asked them again to confirm my repayment address and was told contrary information as to the previous. I demanded to speak with a supervisor. He told me my repayment addresses and account # 's etc were correct the vary same way I had originally been doing it. Today is XXXX XXXX and nothing has changed. Who will hold them accountable if they want to do this again next month? and the month after? I work very hard to make my payments even when i was out of work. Upon further inspection it appears they have been taking my extra payments and applying them where ever they see fit and not to where I post them. They pay have to principal and have to interest, is this even legal? I admit this is my fault for not paying closer attention. I feel there is no where to turn to for help. Please watch your loans carefully so that the same does n't happen to you. My loan was initially supposed to be paid off in XXXX after being sold to Navient it is now pushed back to XXXX per all the fees and wrongly applied payments.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Mortgage (FHA mortgage) with FIRST CALIFORNIA MORTGAGE CO., INC. (CA).
Issue: Credit decision / Underwriting

Complaint: I lost my home purchase due to lender completely ignoring my loan. My loan went into underwriting on XX/XX/XXXX and was suspended due to my XX/XX/XXXX income was lower. Underwriter asked for a letter of explanation regarding my income. Underwriter got to my file again on XX/XX/XXXX. According to her since my income dropped over XXXX % I need to meet an extenuating circumstances, which according to her HUD did n't see XXXX leave as an extenuating circumstances. So, she moved my file to her manager pending on denial. Once I new she was not taking the letter, I called HUD and per Hud they see maternity leave as hospitalization. Now this happened in XX/XX/XXXX, I 'm applying for a loan in XX/XX/XXXX. I have not filed XX/XX/XXXX yet because I wait till XX/XX/XXXX. So after calling, emailing from XX/XX/XXXX, the Broker was able to talk to the underwriter manager XX/XX/XXXX, turns out underwriter never put my file in her managers pipeline and she was able to review it briefly and said I never needed an extenuating circumstances and she should just do a manual underwrite. Send the file back to the original underwriter. At this point they new I had a notice to perform and only had 2 days. This was a Friday. Not even because she dropped the ball and never put in the managers pipeline and and never need e to meet an extenuating circumstances she bother to rush my loan. Monday came and nothing, no emails no calls no status at all, as if I never existed. Seller cancelled on Tuesday and I finally request for a loan cancelation. I tried multiple times to explain the maternity leave was the reason why my income dropped and she should not suspend my loan for that. Till this day I never heard back from anyone around FirstCal wholesale, I 'm not sure why they decided to ignore my loan without any explanation after manager had agreed the the letter of explanation may sense and she should conditioned accordingly. I 'm not sure how to take this, I ca n't help but take this personal I 'm not sure if I should be looking at this as discrimination. All I know is that I lost the home, I lost some money I the process, my kids are broken hearted. It 's tuff getting an offer accept now a days with a low inventory and prices rising up. I would like someone to look into this, because it feels awful that no one bother to prioritize my loan, as if my loan did n't matte ; so I can meet my the deadlines in my contract. I can tell you that this for sure was not a fair lending at all, it was extremely XXXX a day frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX agreed to remove their account off my Experian timeline. At this time XXXX is still reporting derogatory information on my Experian Credit 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 12/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Rubin & Debski, P.A. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Received a subpoena case number : XXXX stating the plaintiff as XXXX XXXX, however the document also states that it 's from a debt collector. I contacted XXXX XXXX with my soc sec # and there is nothing in there records since I do not have any type of accounts with them. I pulled my credit history and XXXX reported me delinquent on some unknown balance. ( The amounts were close so I assumed that XXXX sold the debt to XXXX XXXX ). Either case I have never received warnings either from XXXX or XXXX XXXX. How do I go about this? It is obviously illegal since I do not owe XXXX or XXXX XXXX. This debt collector is false representing XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 01-05-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Using a debit or ATM card

Complaint: I 'm being charged for XXXX ATM withdrawals for which funds were not received. Each transaction was for XXXX for a total of XXXX USD. Chase back credited me for that amount on XX/XX/XXXX the date of the attempted withdrawal. No receipt was given to me at ATM. On XXXX/XXXX/XXXX they took back the XXXX credit and on XXXX/XXXX/XXXX tomorrow they are taking the other XXXX back also as per their investigation. This happen at XXXX XXXX XXXX XXXX, they gave me the information on the owners of the ATM '' s XXXX XXXX. They told me that they ca n't do nothing until a count is done at the end of the week. I reported it to security trying to get film footage of me to prove that I did not receive funds, they refused because I was n't robbed. Come to find out the has happen before with a Chase Bank customer before so I felt that I would not be ripped off, how wrong I was. The Claim number with Chase Bank is XXXX, Card ending XXXX, account ending XXXX. That casino has camera footage and it will show I did NOT receive funds.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian has continually reported wrong addresses and SSN for me. 

1. Between XX/XX/XXXX and XX/XX/XXXX, I called Experian several times asking them to remove incorrect address off of my credit report. 


2. On XX/XX/XXXX, I sent Experian a handwritten letter asking them to remove several incorrect addresses and SSN ( attached ). 

3. On XX/XX/XXXX, I sent them another handwritten letter ( certified mail ) asking them to remove incorrect addresses and SSN 's from my report. 

Until this day, XX/XX/XXXX, Experian has failed to remove the incorrect addresses 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 non-monetary relief
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had XXXX XXXX and the final bill was paid by credit card over the phone on XX/XX/XXXX and service was cancelled and equipment was picked up by service man at my residence. I moved out of my apartment that day. Company claims I never cancelled service and billed me for 3 additional months. XXXX XXXX did not file a collection notice until XX/XX/XXXXon my credit report. Company claims I owe them {$230.00}. XXXX XXXX sent me a " Notice of Rights '' letter dated XX/XX/XXXX indicating that they received the claim I disputed and stating that if I do n't respond within 30 days they will consider the debt valid. On XXXX XXXX I had a XXXX XXXX in Vermont and subsequently was hospitalized at the XXXX XXXX XXXX XXXX XXXX where I had a XXXX XXXX which can all be fully documented. I was unable to respond to the Notice of Rights due to my XXXX 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 01/23/2018 about Debt collection (Payday loan debt) with Action Finance Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: action finance inc . 
XXXX XXXX XXXX XXXX, XXXX, TX XXXX they call me before XXXX at work and we dont open til XXXX so all calls are transferred to my bosses line. they call back to back using different numbers XXXX, XXXX XXXX, XXXX they call 5 times a day to my job and i tell them they cant call me here because i can not receive personal calls and im getting in trouble here at work for them calling. i cant answer my phone until i get on lunch break.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Bank account or service (Other bank product/service) with UMPQUA HOLDINGS CORPORATION (CA).
Issue: Account opening, closing, or management

Complaint: My wife and I invested in XXXX, XXXX, XXXX, ( parent company : XXXX ) in 2001. We purchased the stock @ {$10.00} share and added more stock over the next couple of years @ {$10.00} to {$11.00} per share. The stock grew to over {$20.00} and settled around $ XXXX/share. One Friday morning, with no notice before, during or after, the FDIC closed the doors of the bank, turning the assets over to Umpqua Bank of XXXX. We lost approx. {$280000.00} of our retirement and never heard a word from anyone at FDIC, the bank, it 's board or anyone else. The only contact left was Umpqua who were not responsive to our requests for more information and did we have any alternatives to what happened. This destroyed our XXXX as we are now XXXX years old and have very limited funds. Do we have any recourse? We desperately need the money or some portion of it to sustain our lives. The closure was a few years ago now, but we only recently found out about CFPB. Please help.

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 03-03-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Customer service / Customer relations

Complaint: chase united mileage plus credit card unable to redeem award points XXXX plus points

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (FL).
Issue: Confusing or missing disclosures

Complaint: I closed my business Paypal account in XXXX with a zero balance which Paypal says it has to be to even close an account. XXXX XXXX, XXXX Paypal linked to my new account with {$560.00} in it and froze it without warning. 

Apparently their was credit card chargebacks on my old account that I had previously closed. There was 11 customers who received their luggage and they chargeback on my account that was closed. If I was alerted to this problem and showed Paypal my tracking numbers these customers would not have been able to chargeback on my closed account because it would have showed that the luggage was delivered in good working order. But since I was not notified by mail or email which Paypal had and did not notify me, a amount of {$600.00} was charged back on my old closed account. 

When I closed the account, Paypal assured me that nothing can be done to me account if it was closed. 

They linked my account which they have in the past and it was fine with notifications and I had alway been notified. 

This time no notification, no alerting me, no emails, phone calls, no mail to my address all of which they have on file. 

I had to use this money for my child support payment which they froze without warning. 

Now I am out of the {$560.00} which I had in my account and I will never see again. Now I understand if they would have alerted me I would have had ample of enough time to fight the chargebacks and my so called mysterious balance. I am out my luggage that these folks still have and never returned and I am out {$600.00} from Paypal. 

This is freud and I also know they are not a bank and apparently unregulated. I am surprised that there is nothing I can do in this case and feel like an am robbed of my money with Paypal. 

There are folks who have this happen to all the time. But my case is a closed account. This is new and never has happened with Paypal. It just happens to be a new thing fro them to do what they want without cause or warning. 

Please help. I can be reached at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The criminal history section on my report is inaccurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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 tried resolving this matter with the debt collector after learning of this debt after obtaining my credit report. For months I have been going back and forth. I or iginally sent 2 let ters to  XXXX   XXXX  asking them to validate this account listed on my credit report. I asked them to provide me with documentation bearing my signature or a contract that shows what I agreed to or what terms and conditions I signed up for. I am not even sure if the statutue of limitatio ns has expired on this account, if in fact it belongs to me however, with no contract I have no way to be certain. Under FCRA 609 I requested this information and it was not provided. However, the company did provide me with a small printout of one statement that does't look authentic in my opinion. This account is mere hearsay. After no resolution was made between myself and the collection company I reached out to the credit bureaus I was told this account was verified and met FCRA requirements. I asked the CB to provide me with the documentation and or information that was used to validate this debt to date no information has been provided to me. Instead I received a letter stating my claim could not be invesigated because the address listed on my letter did not match my credit file which is a lie I have attached a prinout of my credit report reflecting the address is listed. I will not send any personal financial documentation to a 3rd party company as  I legally do not have to. I provided my social security number. Also after another search this debt collector is not licensed to collect in my state.

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