milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2017 about Mortgage (FHA mortgage) with PNC Bank N.A. (MO).
Issue: Trouble during payment process

Complaint: On or about    XXXX   XXXX  , 2016,  I requested in writing for PNC Bank to stop contacting by phone and only communicate in writing. Since that time I have been contacted on several occasions. The last being less than a week ago. I attempted to escalate the matter to the supervisor  XXXX , however I was only transferred to a voice mail. Again no reply from t he Supervisor   XXXX . I attempted to speak to  XXXX  's manager, however they will only transfer you to  XXXX . All of the representatives will not transfer you past a supervisor. This in it 's own right is suspect as I was told duri ng one call that m y phone # was removed for calls, however it was later added back to the account. Yesterday I spoke with a  Vice President on th e escalation team  XXXX   XXXX . Her best defense is that  PNC  cant find the letter requesti ng PNC ce ase contact. While I appreciate  XXXX   XXXX  's position that PNC ca n't locate this letter, it does not negate the fact that PNC is in possession of the letter. If PNC lost the letter, appended the letter to an incorrect account, or threw it in the trash. None of these reasons or excuses are acceptable. I informed  XXXX   XXXX  of my intent to file this complaint. She asked that I resend the letter. I refused to do so. I do not want  PNC  to have the excuse that they " just received '' the letter, when in fact they received the letter in  XXXX  of    2016.       One would think that a bank like PNC would operate with common sense. A customer has told many of your staff that he does not wish to be contacted, Has sent in a letter demanding PNC stop calls, and as a last ditch effort communicate with  the Vice President of your Escalated Complaints Team. But NO.. The day after my conversation with  XXXX   XXXX , the harassment starts again. More calls from PNC. When I attempted to advise the caller that I was in contact with  XXXX   XXXX , the representative refused to look up  XXXX   XXXX  in the directory she has available and even refused to provide an employee or agent ID.     I respectfully request the CFPB as well as  the OCC fully  engage an investigation into  PNC  's business practices and their failure to adhere to Federal and State Laws. Considering the way in which PNC handles their Cease Communications Requests, I can not believe I am the only customer who 's letters are " not on record ''. I believe this to me a willful attempt by PNC to avoid adhering to consumers requests.     Thank you in advance for your time and review of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Other

Complaint: card expired so I requested a new card.

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 01/14/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I feel i should be credited the {$25.00} i used to open this account. I am a struggling mother that was trying to get a loan so that i can manage to pay my bills until i am back steady. Now that i gave my information to a fraud lender thinking that i was going to get the loan, being that it was my first time applying for a loan online, I owe TD BANK over {$500.00} and that is money i dont have right now to even pay try to pay back. You can already see i was trying to get a loan to pay other bills. I was contacted by a fraud lender, told me i was approved from XXXX XXXX XXXX for {$10000.00} told him i only needed {$3000.00}, proceeded to tell me to go open a new checking account because my XXXX XXXX account was too overdrawn. So i opened to account with TD BANK and from there everything went down hill i didnt here from this fraud lender after i gave him my online banking info.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/15/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Capital One thru XXXX has been garnishing my wages for a debt that is well over 7 years old. They have violated my rights under the FDCPA Fair debt collection act. In XXXX XXXX, XXXX Capital One had a Civil Action against me. XXXX, XXXX XXXX XXXX filed it on Capital One 's behalf of a credit card debt of around {$1000.00} ( I dont know the true balance ) in XXXX County Oklahoma. I was never informed of this court hearing. I found out when on XXXX/XXXX/XXXX when Capital One started garnishing my wages at XXXX % per paycheck. The paperwork was supplied by my employers, not Capital One or XXXX, XXXX XXXX XXXX. That was when I contacted XXXX Co Courthouse for documents of the Civil Action. The balace of the bill was {$4800.00}. That was about XXXX times the accual amount of the bill. Then I moved from Oklahoma to Florida in XXXX XXXX due to the tornadoes destorying my home. 
In a new job in Florida I was yet again getting my wages garnished on XXXX/XXXX/XXXX. Capital One again thru XXXX, XXXX XXXX XXXX was garnishing wages at XXXX %. I called Capital One and they told me I would have to contact the lawer firm handleing the case. I called XXXX, XXXX and XXXX and tried to settle the case due to financially difficulties I was having. I was informed that they would not settle and if I didnt pay the full amount they could go to court and get me to pay more money than I owed. XXXX, XXXX XXXX XXXX didnt record my phone call and the woman I was speaking with refuse to tell me her name. She was cussing at me and telling me the firm and Capital One owned me and they could do what ever they wanted to get payment, the court was on thier side. About 4 months later I was contacted by XXXX, XXXX and XXXX about settleing the debt. The man stated he was authrized to allow the amount garnished to be enough to settle the debt. He would be sending me a letter in the mail stating the debt was settled and considered paid in full. The letter never came. I tried to contact XXXX, XXXX and XXXX at the phone number he provided and it was disconnected. Then called the phone number on all the papwork and was hung up on. Then on XXXX/XXXX/XXXX Capital One allowed XXXX, XXXX and XXXX to garnish my bank account. They took {$1000.00}. 
Captial One and XXXX, XXXX and XXXX has never once contacted me on any of the court cases against me. XXXX has XXXX County Court house where the judgements are coming from. The debt is well over 7 years old and doesnt even show up on my credit report anymore. Plus the fact that they settled with me and yet still coming for money and the XXXX Co Court is letting them. I know now that Capital Once and XXXX, XXXX and XXXX lied to me about the settlement as I have never gotten the promised settlement letter.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Disputed debt on credit report asked for validation with my signature, and they have start legal action against me. So in turn i have started a class action against them. Debt buyer Midland Credit Management, Inc

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I have been a member of Navy Federal Credit Union for well over 27 years. But in the last three years I have noticed a clear and distinct drop in service, care and overall concern for their members both new and old. Recently when I had a erroneous charge on my XXXX account, when I called to challenge the erroneous charge, I was given the run around and told to speak to a supervisor. When transferred to the supervisor I only got his voice mail. Despite repeated calls and voice mails to this supervisor, to date, I have never received a call or follow-up. And when I called their main office, I was actually told by the rep, " Oh well ... do n't know what to tell ya! '' When I asked to speak to her supervisor, I was disconnected. I have written, called and sent various emails and again no response or anything. So even with well over {$30000.00} dollars in funds of checking and savings and a member of over 27 years, there has been nothing in the way of service or assistance. I will now move my funds out and go elsewhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-10-2017 about Credit card () with WELLS FARGO & COMPANY (LA).
Issue: Payoff process

Complaint: I financed XXXX through Wells Fargo Financial National Bank ( Wells Fargo Health Advantage ) in XX/XX/XXXX for {$6700.00} which would remain interest free as long as paid off by XX/XX/XXXX. Well, due to health issues with hefty medical bills, I failed to pay it off on time so the interest started building. I notified Wells Fargo of the hardship my family was facing and asked if there was some type of hardship payment plan or anything they could do to give me some time. I was told that Wells Fargo does n't offer anything like that ... that I needed to get in touch with a debt relief company and see how they could help me, which I did! I was facing the probability of XXXX ( which was only XXXX-to my parrot ) and my husband, who is a small business owner, had just had a XXXX-the XXXX, and survived. He was not a XXXX so ... .. Anyway, I could n't qualify for a loan, but after explaining my situation, they offered me a high balance, low interest, credit card that would cover most of the debt. I was ecstatic! However, after calling WF back, they laughed at me telling me I was crazy for thinking they would accept a credit card. I told them I did as I was told and this is what was offered. I asked her to have her supervisor call me ASAP. After never receiving a return call, I entered an online message for a follow up call. I believe XXXX called and said he 'd see what he could do. Again, no return call so I consolidated my higher interest accounts to this card. I have received letters saying my account is closed and has been charged off. Now I am being told my balance is due in full! And it 's from Wells Fargo. That makes no sense! The letters now state they offer budget friendly payments after they 've tacked on multiple interest charges and fees. I was told WF did n't do this when I needed it ... when I could afford it. I 've paid a total of approximately {$7100.00} which pays for the XXXX. All I 'll be paying on is interest and fees of which I now owe {$4700.00}. Ridiculous. I know I owe interest ; however, why could n't they stop the late fees when they knew I needed help? It just makes me so angry that I worked so hard to keep on track with my payments, calling WF, keeping them up to date, securing a payment method, and for what? I have a letter to mail to them. Do n't know whether I should?!

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 11-10-2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have filed a complaint on XXXX/XXXX/16 complaint # XXXX which the gave a general response. Since then I am still going back and forth with Citibank to get assistance. I have a new specialist XXXX XXXX who do n't respond to any of my questions. She sends me a weekly email that appears that all she do is change the date and resend. I was told by XXXX XXXX who was my specialist prior to XXXX that a decision should be made within 30 days ( XXXX/XXXX/16 ). We are well into XX/XX/XXXX and still no decision has been made and I ca n't get a answer of why and what is the hold up. Again we are asking for assistance because we are need of HELP. We was hit with unforeseen illness and XXXX massive storms that made us loss more that XXXX % of our income. I asking for Consumer Financial Protection Bureau to assist me with this issue with Citibank. I not trying to loose my home and I am asking for assistance to make my monthly payments more affordable. 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 02/26/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My name is XXXX XXXX, I attended XXXX XXXX XXXX in the XXXX of XXXX. I received federal and private loans through the financial department at school. Basically I had gone through the program and there had been technical issues with an online XXXX class, at that time they were just starting the online classes so there was many technical issues. I lived two hours away from campus and could not afford to attend anymore, also because the XXXX class was a general education course I could just take it at a local XXXX college. I was told that I would not be allowed to do that. During the recruitment I was told outside credits could be transferred in. I 've paid close to {$30000.00} and have no degree to show for it. I 'm still paying off the loans because of the fear of XXXX my credit, plus when things were explained I was told all the loans would be similar in interest rate. All the loans were 2-3 % and the XXXX private loan is at 9.5 % I did n't even know an organization like yours existed, if I did I would have made a complaint a long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: There is no debt. I received a letter from Enhanced Recovery Company , LLC ( in FL ). They claim I have XXXX XXXX XXXX debt, threaten to report me to national credit bureau, and offer a discount on debt if I pay within a month. I confirmed with XXXX there is no debt and they told me to disregard this notice. Per online research, this company has reported debts to the national credit bureaus, causing damage to individuals ' credit scores. They have my correct account number and name. Say if I do not dispute the validity of the debt with them, they will assume it is valid. I do not want to establish any contact with this company. 
I am reporting this scam here ( CFPB ) ( I was referred here by FTC when I tried to report the scam there. ) and state Attorney General 's Office. Also tried to report it as a scam to XXXX XXXX XXXX, they did not seem interested in taking the info. I do not want my credit damaged by this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-03-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I deposited a check for approx {$1000.00} into my JP Morgan checking account. A few days later my account was closed without any notice to me and they kept my retirement check that I deposited. I went into the bank and they promised to give it back once I followed the steps they provided. I did that day and they still refused to give me the money. No one can explain why my account was closed without contacting me. I contacted XXXX XXXX about the validity of the check they issued me and they told me they paid the check. XXXX claims they did n't pay the check but have no record of that and want me to prove they did. So I again brought it proof and chase still refuses to give me my {$1000.00}. They just blow me off and keep my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/17/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax is reporting a closed collection account as an open status collection. The account was included in a Chapter XXXX Bankruptcy and the debt was discharged. This open account status is harming my credit score for having XXXX open collection. I religiously review my credit on credit karma.com. I have disputed the status XXXX or more times in the past 2 years, called Equifax and complained & contacted the creditor, XXXX XXXX. When I called Equifax , I was told to open a re-investigation, call the creditor, & that the included in bankruptcy & discharged status is a closed account status yet Equifax will not report it that way. I have received tons in credit denials because of this open collection that is not open. The problem lies with Equifax. They report all of my other collections or debts included in the bankruptcy as closed status accounts. They also are reporting accounts 7-10 years old. This account shows {$0.00} balance. The account status should report correctly as a closed collection account. The other credit bureaus report this account information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have been hit with a $XXXX late fee because my $XXXX minimum payment was not received ON XXXX XXXX XXXX XXXX.  My bank (XXXX XXXX) was closed on XXXX XXXX XXXX XXXX so it scheduled and made the payment on the next business day, which was XX/XX/XXXX.  But that was not good enough for Slate credit card (J.P.Morgan), which says I should have called and made the payment over the phone!!!  The pre-scheduled payment on XX/XX/XXXX was $XXXX, but Slate didn't even say thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-09-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I opened TD Premier checking account by clicking on the button of the attached picture bonus_promo.jpg on XX/XX/XXXX. It promised me {$300.00} bonus if I follow reasonably simple rules listed on the same picture I followed them and by XX/XX/XXXX had $ 2500+ in direct deposits, see " ACH DEPOSIT, XXXX XXXX XXXX XXXX '' marked transactions in XX/XX/XXXX and XX/XX/XXXX statements. Since the promo did n't say when bonus will be paid out and it was n't showing up on my account I submitted online inquiry. Since response was n't of any substance to my particular case I tried again, with the same result ( see attached XXXX and XXXX Since online inquiries werent going anywhere, I started calling TD customer service at XXXX. On XX/XX/XXXX I spoke to XXXX, who did math together with me, agreed that all conditions of the promotion were satisfied, confirmed that having credit card account with TD prior to opening bank account did not disqualify from this promotion and told me that bonus should be paid by XX/XX/XXXX On XX/XX/XXXX I spoke to XXXX, who confirmed everything that XXXX confirmed and promised that I will have a response within a week. On XX/XX/XXXX I spoke to XXXX, who also agreed that I satisfied all the conditions of the promotion yet pointed me at the bonus promo FAQ page ( see Bonus_promo_FAQ.jpg ) and said that bonus will be paid by XX/XX/XXXX according to it ( 95 days after {$2500.00} in direct deposits ) On XX/XX/XXXX I went to my local branch at XXXX XXXX XXXX XXXX, XXXX XXXX , NJ XXXX and spoke to XXXX XXXX ( XXXX XXXXXXXXXXXX ) - who also agreed that all conditions were met and he send an email to XXXXXXXXXXXX, who would supposedly fix it After not receiving any response from XXXXXXXXXXXX in about a week I called customer service again on XX/XX/XXXX and spoke to XXXX. XXXX also agreed that all conditions of the promotion were met. He clarified that there were 2 different promotions, one {$2500.00} in direct deposits within 90 days and bonus payout after 125 days of account opening - the one that I was using, and the other one ( {$2500.00} in direct deposits within 60 days and bonus payout after 95 days after deposits completion - the one described in bonus_promo_FAQ.jpg ) And in my case bonus should have been paid by XX/XX/XXXX and in any case I satisfied conditions of either promotion. He sent email to some promo department and said that they should fix the problem within a week or so It is XX/XX/XXXX now, bonus still have n't been paid. All customer service representatives I spoke to were very courteous and professional. Unfortunately, after 2 online inquiries, 4 calls and 1 in person visit I still was n't able to get promised bonus, so I do n't think they are able to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Recently I got XXXX % of my XXXX XXXX. I reached out to all three credit bureaus in regards of my credit when I was in the hospital I have over XXXX inquiries, several debt accounts thats arent mine. I tried disputing it, didnt get me nowhere ... I sent a certified letter to each credit bearu requesting full validation of debt and inquires into this matter. Also stated Ill file a lawsuit if not addressed in a timely manner. The only one that has got back to me and removed 97 % of false info is XXXX. Experian and XXXX has gave me the run around I followed up with the two and havent heard anything in response.. starting on XXXX/XXXX/2017 Ill file lawsuits against transunion and experian for reporting in accurate information as I can from the fair credit reporting act and see through with claims to the fullest.

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 12-11-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I made a transfer from an overseas account-XXXX pensions-into my New York based account at J.P. Morgan Chase on XXXX XXXX XXXX of XXXX Euros. There was a digit wrong on the account number. XXXX and I both informed Chase of the error that same week. XXXX days after the transfer was made. Chase maintained for several weeks that the money never arrived into the mistaken account and they had no idea where the money was. This despite several Swift recalls on the part of XXXX. When Chase finally declared the money was in fact, in the incorrect account most of the money had been taken out. Chase said they had no recourse and returned to me in XXXX only XXXX USD of my money and then finally gave XXXX USD saying that was all the money that was left. 

Chase has refused to put anything in writing about this incident. They were informed nearly immediately about the mistake and did nothing to correct it in a timely manner.

Company response to consumer: Closed with monetary relief