milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-04-2015 about Bank account or service (Checking account) with PNC Bank N.A. (IL).
Issue: Problems caused by my funds being low

Complaint: Over the past year I have witnessed multiple situations where PNC Bank took liberties to manage my transactions in a manner that gave them car-blanch to assess " Over Draft '' charges to my checking account. Up to this point I accepted the bank errors. That is going to change. 
On XXXX/XXXX/15 I reviewed my account to find that I received XXXX over draft charges of {$35.00} to the sum of {$70.00} in debits to my account. The charges made no sense to me. Per my online banking statement I had a close of business balance of {$38.00} as of XXXX/XXXX/15 and no new Posted transactions to my account for XXXX/XXXX/15. My ending balance on XXXX/XXXX/15 was {$400.00}. I had XXXX transactions post to my account on XXXX/XXXX/15. A deposit for {$74.00}. and XXXX debits totaling {$440.00}. I had XXXX items in Pending Transactions totaling {$140.00}. After speaking with PNC representatives the explanation to my over drafts are that PNC took liberties and applied XXXX transactions that are being held in my Pending transactions to my Posted transactions. I was told there is a difference between a Firm hold and a soft Hold. I was told that the online banking system is not as accurate as the banks accounting system. I was told that I was incorrect and that I must be wrong because I have had over drafts in the past and my past history dictates that I am wrong. Basic accounting principles prove that I am right along with basic math principles. After speaking with XXXX agents from PNC I am under the impression that PNC is without question breaking some sort of law in an attempt to force over draft charges onto its customers. Very similar to when they received a XXXX XXXX dollar judgement to pay back moneys they gathered through over draft charges. I have screen shots and documentation to support my claim. Not one PNC representative can justify or show a ledger that conflicts with my documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Debt collection (I do not know) with National Processing Group LLC (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: 0n XXXX XXXX 17 XXXX from XXXX XXXX XXXX called my daughter in NC, my son - law in NC, my son in XXXX, Ma and left me a message too from a restricted phone number. XXXX, told my son his co had a warrant for my ARREST and needed him to get me this urgent message. My son hung up on him. my message stated he had a summons for me to appear in court to call Law Firm XXXX XXXX XXXX XXXX XXXX at XXXX with file # XXXX ..I called the number today and spoke to a XXXX XXXX who I told my family members were harassed and that my son was told they had a warrant and my message stated they had a summons for me to appear in court? I told XXXX XXXX this co is out of line, not licensed, not following lawful, guidelines. XXXX XXXX disagreed and did n't want to listen. I have not received anything from these people and they had an old address I lived at. I asked to have info sent to my correct address and he only threatened me and said I will be receiving a summons to go to court being sued

Company response to consumer: Untimely response
Consumer complaint received 06/22/2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I reported an unrecognized hard inquiry form Corelogic/Credco made on XXXX/XXXX/2016 to Equifax they responded that they verified the inquiry and gave me the company making the inquiry. I had no idea who they were or why a hard inquiry should be made. XXXX XXXX. XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ) XXXX. I contacted XXXX on XXXX/XXXX/2016 and asked for proof or that it be removed. They stated that they would check the validity, I gave them the information they requested and after they looked it up they stated they had no record of any such an inquiry. I told them please remove it from my credit record. They stated that they could not find who had requested an inquiry, They wanted me to fax a copy of my credit report to them so they could check it out or they would not remove it. Of course I refused, I do n't know them, why should I send my personal information to them. 

I WISH MY RECORD CLEARED, PLEASE HELP! 
WHY ARE TOTALLY UNKNOWN ENTITIES PERMITTED TO DAMAGE GOOD CITIZENS CREDIT REPUTATIONS IN THIS MANNER? I THOUGHT THE C.F.P.B. HAD THIS UNDER CONTROL! WHY IS THIS PERMITTED TO HAPPEN??

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX keeps changing the status of this account on my credit reports. First they were reporting that this account was included in a bankruptcy ( which I never filed for ). I immediately disputed that information and the bakruptcy was removed. Then the account was showing as a XXXX balance now this month it is reporting from XXXX balance to a balance of {XXXX}. This information is incorrect. XXXX has finally removed this account off my report. Transunion just changed my report adding this balance from XXXX to XXXX which caused my credit score to go way down. This account has been agreed upon to remove off my credit reports. Every month it keeps changing and XXXX XXXX XXXX XXXX XXXX keeps adding additional information in the comments which is affecting my credit score in a negative way. How can a previous month report as a XXXX balance then this month report a balance of {$6600.00}. This was finally corrected and now were back to square one. I spoke with XXXX XXXX XXXX months ago and this problem was rectified now it 's reporting as I missed a payment that is 30 60 90 days late. This is crazy and I am submitting this complaint about XXXX XXXX XXXXXXXX XXXX/transunio/XXXX about reporting false information and not fixing my 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 04/20/2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Rewards

Complaint: Last year around XXXX, I saw an ad from Citi Bank for its Preferred Thank You card signing bonus of XXXX Thank you points without any spending requirement. I applied and was approved. However, after 4 months, Citi bank is still not giving me the XXXX thank you points.

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 01/29/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Switched from XXXX XXXX back to XXXX XXXX XXXX. At the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida was told by the store agent that no credit report would be required because I was with XXXX XXXX XXXX for 10 plus years prior to switching to XXXX for only one year. This all took place on XXXX XXXX, 2015 on XXXX XXXX, 2015 I received a credit alert from XXXX and XXXX XXXX XXXX did in fact request a full credit report not a soft inquiry and this action was against what I was told! I complained to the store on XXXX occasions XXXX occasion with XXXX the store manager and no help from them! I called the Office Of The President and spoke to a XXXX XXXX ( XXXX ) XXXX she took my complaint and stated she would call me back within 72 hours which she did not! I called her on XXXX separate occasions and left her my name and number to return my call reference my complaint and as of today have not received any contact from her! It appears that XXXX XXXX XXXX feels that the can mislead and be deceitful to the public and this does not sit well with me that 's the reason for this complaint! I am very careful and watchful of my credit and with this unauthorized action by XXXX XXXX XXXX has cost me XXXX points off my credit score and additionally remains on my credit file for 24 months from date of inquiry! My resolution requested is to remove this credit report requested by XXXX XXXX XXXX and they be held accountable for being deceptive to me and most likely many others to gain business!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/20/2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I initiated a dispute on XXXX/2016 due to erroneous fraudulent information being reported on my credit bureau report, and I have a 7 year fraud alert with a police report filed. 
Also I recently filed a bankruptcy and there were a lot of accounts that was suppose to be included in that bankruptcy on my credit report that was not, and was reporting adverse action negatively as if I never filed a bankruptcy. XXXX, and XXXX had taken care of the erroneous fraudulent situation the first tI 'm I noticed and disputed the accounts, however equifax have not resolved the issues!

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Other fee

Complaint: On an ongoing basis, certain foreign merchants are charging me a 4.99 % markup on a currency exchange service that I am specifically requesting NOT be used. On the receipt, it says that I was offered a choice, but I when I ask the cashier " please do no use the currency conversion service, '' the merchants reply that their credit card machines do not offer the choice, that the markup is required. XXXX and XXXX seem to be in on this scam ( see attached receipts ). I do n't believe that Chase bank is at fault, I think that XXXX and XXXX are scamming both Chase and the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: A New York state Tax Warrant was issued to my husband and I on an amount owed that was still in dispute. I paid the full amount even though it could ultimately end up less money in our favor. I paid the full amount because it appeared on our credit report in our " public record '' section - lowering our credit score and making it almost impossible to get a loan. Our daughter is going to college in the fall and we need to secure a loan for her before then - this is a nightmare - 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 non-monetary relief
Consumer complaint received 02-01-2016 about Bank account or service (Checking account) with PNC Bank N.A. (FL).
Issue: Account opening, closing, or management

Complaint: I signed up for a free bank account with PNC back in 2007 and just recently they said that my account was no longer free and I have a {$7.00} a month fee to maintain my account. I was grandfathered into the old terms which PNC and myself are bound.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/29/2015 about Debt collection (I do not know) with ProCollect, Inc (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ProCollect keeps calling me and has reported me to credit reporting agency for a debt I do not owe. They can not produce an original bill and the company they say I owe does not exist.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX account listed on my credit report with XXXX TransUnion has been paid and closed since XXXX 2007. I would like this account removed from my credit report as it has been over 7 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (ME).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter from Ocwen Loan Servicing , LLC stating that myaccount had been increased. I called to ask for an explanation andtold they could not really explain it..I asked for an escrow reevaluationand was told it would be done ... .I also asked my attorney to review the leletter from Ocwen to see if she understood it and she did not, sheforwarded a letter asking for an explanation..She suggested that Icall the customer service number provided by Ocwen and talk to myCustomer service rep.. I did that and he also had no idea how toresolve the issue. He suggested that I call the research departmentwho would then call the escrow department who would take about15 days to reply. They could not provide me with a phone number ormailing address for the research department. 
I really would like some assistance in resolving this issue. 
As of today, XXXX XXXX, 2015 the reevaluation on the escrow accounthas not been done nor has anyone contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I sent a debt validation to the collection company ( Midland Funding ) on XXXX/XXXX/XXXX The company received the debt validation on XXXX/XXXX/XXXX. The company responded to the debt validation on XXXX/XXXX/XXXX. Upon review of the package sent, the company added interest on the account {$280.00}. The original balance of the charge off was {$750.00} and the company is stating that I owe {$1000.00}. I called the company ( MIdland Funding ) and asked why is there interested added to the account after the charge-off and asked for a signed agreement from the original debt collector. I was told that the interested was add in XXXX with no reason to why it was added and that they had no signed agreement even stating that the account belongs to me. There is no proof of the company being able to add interest or even if the account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have contacted Midland Funding about my account as I am trying to clear up my credit. I first called last week in regards to the balance on my account. My credit report showed that I owed {$110.00}. When I called in they told me that I owed {$360.00}. They were unsure as to why the credit was reporting differently than what they had. I then reached out the their credit department, which I tried called five times and never could get through. 
Since I could n't get through I went online and disputed on XXXX XXXX the account and it 's inaccuracies. 
This morning, XXXX XXXX, I logged in to see that the Midland Funding account had closed. To follow up with Midland I called to confirm the account is closed. They told me that the account was not closed and that I still owed {$360.00}. I explained to the lady that XXXX reported that the account was closed and Equifax was still reporting the {$110.00} balance. She told me that information was wrong. She put my through to the credit department. They lady told me that she did n't know any of that information and that she 'd have to reach out to find some answers. She told me to call back. I told her that she would need to reach out to me as I 've tried reaching out to them multiple times. 

I explained to this lady that I no longer wanted my payment plan in action as things do n't seem to be right. She put me back in contact with the department who deals with this. The gentleman canceled my payment information and told me first that I owed {$340.00} and then later told me that I owed {$360.00}. I explained my frustration being told that I owe XXXX different amounts ( {$340.00}, {$360.00} and {$110.00} ). He looked into my account more and then said " oh, I see that there 's XXXX different starting balances ... maybe that 's the issue. '' I then asked to speak with a manager. I explained the situation and the manager asked, " So what 's your concern? '' Really?!?!? This is ridiculous. I 'm being told that I owe XXXX different amounts to there company and XXXX is showing the account closed. 

I feel that this company is being very shady and does n't know what they are doing. I should have a clear idea of what is owed to them and if XXXX is showing this closed I should n't be paying them anymore money. 

They are very unorganized and every time I call in they are giving my different information. This is very unfair to the consumers and makes me wonder if they are ripping me off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I did not pay my tax on time to the New York State, then I received a letter from the county clerk and paid it the same day to State by phone. I just found out on my credit report as negative against on two occasions. Why should these be on my record?

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 06-07-2017 about Mortgage (FHA mortgage) with LAKEVIEW LOAN SERVICING, LLC (TX).
Issue: Trouble during payment process

Complaint: XXXX  I  have sent the same below to  XXXX   ,   XXXX  via their RESPA address provided online ( attached ). *** I am in receipt of the attached letter stating that my recent payment was returned to you unpaid and a {$25.00} fee was assessed. I would like to know what recent payment you are specifically referring to as the attached pay history reflects my {$1000.00} payment applied on  XXXX / XXXX /   2017  and deducted from my bank account on  XXXX / XXXX /  2017  .  XXXX  erroneously applied a payment on  XXXX / XXXX /   2017  in the amount of {$1000.00} and then reversed the payment. I need this explained as I did not authorize a payment in the amount of {$1000.00} and should not be penalized with the fees of this action.   I called  XXXX , my banking institution, and they have no record of  XXXX  attempting to pull the {$1000.00} out on  XXXX / XXXX /   2017  so why is this being described as a Bank Return? I have spoken to the following representatives at  XXXX  :  XXXX  ID #  XXXX ,  XXXX  ID #  XXXX  and  XXXX  ID #  XXXX  and received a DIFFERENT story each time of whats going on- which paints a pretty clear picture.   On the bottom of the letter, there is a fee total of {$50.00}. Please explain this amount.   Please explain why my  XXXX / XXXX /   2017  statement reflects a {$0.00} fee balance and my  XXXX / XXXX /   2017 statement now reflects a {$70.00} fee balance. The Real Estate Settlement Procedures Act ( RESPA )  1026.41  ( d ) (  1 )  states all fees are to be noted on my statement. The {$70.00} fee on my  XXXX / XXXX /   2017  statement does not add up to the fees provided on the pay history sent to me by  XXXX  ID #  XXXX   (  attached ). Why are the statutory exp. corporate advances assessed on  XXXX / XXXX / 2017 ,  XXXX / XXXX / 2017  (  XXXX  FEES ASSESSED SAME DAY ),  XXXX / XXXX / 2017 , and  XXXX / XXXX /   2017  not reflected on my billing statement? Please provide a complete breakdown of EACH of those fees.     Sincerely,  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 09/14/2016 about Consumer Loan (Vehicle loan) with Go Capital Holdings, LLC (IL).
Issue: Taking out the loan or lease

Complaint: Hi I finance a XXXX Chevy Tahoe with Go Fincial in AZ and the truck was paid in full XX/XX/2016, they have not reported truck paid I file complaint with XXXX and they have completed it saying it is correct. This is not true.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: In XX/XX/XXXX I owed a balance to XXXX Bank in the amount of {$790.00}. I paid the balance TWICE by accident. Once by ACH and one with my debit card with XXXX Bank. XXXX Bank sent notification to XXXX Bank and I was issued a refund check in the amount of {$790.00} dated XX/XX/XXXX. My account now has a XXXX balance. I called XXXX Bank to inquire about the status of my account and they said they would report the XXXX Balance XX/XX/XXXX as that is when my account status is reported and that my account was closed because it had been 60 days late in XXXX and XXXX, but not in XXXX as they are reporting! 
I reported the error to Experian and report # XXXX was sent to me with the notation " updated '' on my credit report. I received this information by mail on XX/XX/XXXX. 
I logged into my Experian Credit Report on XX/XX/XXXX and Credit One is now reporting that I owe more than the original amount of {$790.00} and my report now says I owe {$800.00}. I called Credit One Bank and they told me they charged a fee on my closed account but could not say what it was for. As I was holding to speak to a supervisor again, they logged me out of the online account. I was able to get a snapshot of my online account with XXXX Bank of which I have attached. It clearly shows a ZERO balance. 
My Credit Report should say PAID with a XXXX balance. I know its closed and that is fine. 
All documentation is attached. 

Thank you. 

XXXX XXXX, Ca. XXXX ( XXXX ) 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