milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/15/2015 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Problems caused by my funds being low

Complaint: I wish to file a complaint against PNC bank in particular, but this probably applies to other banks and I am sure many others would have the same complaint. This concerns the way they process the debits and credits to the account and the leveling of very high overdraft fees of {$35.00} per check or debit. 

On XXXX XXXX I had just come back from a trip and had forgotten to make a deposit to my account prior to leaving. I checked my bank balance online and saw that there was {$910.00} in the account. Before the bank closed I made a deposit of {$2300.00} to the account. Later in the evening I went online to download my account to XXXX. The deposit amount was shown as received by teller and a check that I had written for {$1100.00} had not cleared, nor was it shown as pending. The next day I received an overdraft charge of {$35.00} and they claimed that the check for {$1100.00} had cleared on XXXX XXXX. Their online banking had never shown that check. When I told them that I had made that deposit on XXXX XXXX their answer was that I only get {$100.00} of that to apply until the next day. I have argued with them about that but they refuse to remove the {$35.00}. 

On a different account the next day a similar situation happened. I had forgotten to deduct a check I had written. There was a check I mailed to a vendor on Sat. XXXX XXXX. On Mon. XXXX XXXX that check money was debited from my account. I was overdrawn by {$56.00} and they charged my account {$36.00} for the overdraft. I run a business and on XXXX XXXX I had XXXX deposits of {$130.00} that are processed by that bank and go into that account. On Monday XXXX XXXX that XXXX deposit appeared as pending, and they did not count that money as covering the overdraft. 

Here is my concern in a nutshell. The banks can immediately debit my account for checks that I write and mail to a vendor, but checks that are accepted by me and deposited in my account are held for XXXX day and do not apply to my account. That applies to cash deposits as well. If my deposit and a check come in on the same day they count the XXXX but not the other. I understand this would happen if XXXX uses an electronic transfer and set a date for the debit to be made or use a debit card, but checks that are written by someone and ones received and deposited by that person should be handled the same way. Either these checks that are scanned should show as pending on an account the same as any other check, or deposits should be treated as immediately available if overdraw situations occur. The way they are doing it now allows banks to take your money and use it for a day with deposits, but they can immediately cash your checks and remove the money from the account without it going through a pending process. It should be XXXX way or the other to be fair.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have a major issue with this account XXXX XXXX XXXX states it was open back in XXXX was opened by my spouse XXXX XXXX and appeared on my credit reporting agencies XXXX XXXX filed bankruptcyXX/XX/XXXXunder file XXXX and put this XXXX XXXX XXXX on his chapter XXXX and its appearing on my credit information XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX phone XXXX than it was sold to LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX XXXX was sold again to a letter I recently rec ; d XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX, XXXX Been receiving harassing phone calls every day XXXX Acct number XXXX Current due XXXX LVNV Funding LLC re ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NETSPEND CORPORATION (OH).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Received a XXXX XXXX in the mail that I did not appy for. When I called the number, its asks for my full social security number. Seems like a scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (I do not know) with Delta Management Associates, Inc. (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been called dozens of times for someone named XXXX over the last several years. I have explained repeatedly that I have never known this person and been assured our number would be removed. 

Recently associates of Delta Management Associatiates of Massachusetts and Arizona have been placing robo calls from various local numbers several times a day and leaving messages stating that a failure to return calls is an affirmation that XXXX is at this number. 

Today I talked to someone named XXXX XXXX@XXXX ext XXXX. Once again I was given assurances that my number would be removed. I cant believe it will at this point.

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 12/21/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of this debt and would like it to be removed as it 's reporting to the credit bureaus and negatively affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I went online to download 7 years of transactions, following a message from Chase, describing how to download such transactions. However the list showing the download availability shows only up through XXXX, and 7 years would include XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This account had previously been disputed and removed from report. I guess another company acquired it and they were given a letter by me explaining it was removed and I again was disputing. I received a letter dated XXXX XXXX, XXXX saying they were ceasing collection. This is the second letter I received from them explaining they were ceasing collection, which I got before the XXXX of XXXX. I received my updated credit report explaining that they re-investigated and the information was said to be true. I did not receive any documents showing proof of their investigation and it is still on my credit report even though the collection agency said they were ceasing collection. My report is dated XXXX XXXX, XXXX which is after the letter from the collection agency. It should have been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (I do not know) with Evans Law Associates, P.C. (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This debt collector is constantly calling my personal cell # asking for my daughter, XXXX XXXX. I have asked their Reps several times to stop calling and harassing me.

Company response to consumer: Untimely response
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: FRAUDULENT NAMES : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX SOCIAL SECURITY NUMBER VARIATION 1. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Debt collection (Non-federal student loan) with MOHELA (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Company Mohela calling as debt collector for a person I live with. I am not a co-signer on the said debt and not certain how my number got in their records. Today alone, I have received XXXX calls within 1 hour. XXXX calls the day before as well.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Mortgage (Conventional home mortgage) with LoanCare, LLC (CA).
Issue: Trouble during payment process

Complaint: I took out a 30 year conventional mortgage with XXXX XXXX XXXX XXXX in XX/XX/XXXX. The mortgage is serviced by LoanCare of XXXX XXXXXXXX, Virginia. There is NO escrow account for this loan- I pay all property taxes myself separate from the mortgage. I have never paid any monthly mortgage payment to LoanCare late, not even by one day. I have never paid my property taxes late for the property that is the subject of my mortgage with LoanCare. 

The second installment of my XX/XX/XXXX-XX/XX/XXXX property taxes, owed to the XXXX XXXX, California property tax collectors office, was not due until XX/XX/XXXX. Again, I have never been late in the payment of any property tax payment. Nonetheless, in XX/XX/XXXX, LoanCare, without any authorization or right under the terms of my loan documents, claims it paid the second installment of my XX/XX/XXXX-XX/XX/XXXX property taxes two months early. LoanCare did this even though there is NO escrow account for this loan, and there was no default or late payment by me in the payment of any property tax due. LoanCare admits this payment was completely a mistake on its part. There is nothing in the terms of my loan documents that authorized or allowed LoanCare to make such payment. 

Now, more than two years later, LoanCare has created a fake negative escrow account balance ( there is no escrow account for this mortgage ) for its unauthorized and improper property tax payment, and is demanding that I reimburse LoanCare for such unauthorized property tax payment. There is nothing in the loan documents for this loan authorizing LoanCare either to have made this unauthorized payment in XX/XX/XXXX, or to demand reimbursement for it from me now in XX/XX/XXXX. There is no escrow account for this loan and there was no right by LoanCare to make a property tax payment on my behalf for a payment not then due and not late or in default by me. Any unauthorized, voluntary payment by LoanCare was solely at their peril and is not my legal or contractual responsibility any more than if LoanCare made, say, a car payment on my behalf or paid, say, my XXXX bill and then demanded reimbursement from me. 

LoanCare can point to nothing in my loan documents that gives them the right to obtain reimbursement from me for their unauthorized and improper property tax payment. LoanCare is  now threatening to increase my monthly mortgage payment as of XX/XX/XXXX for its unauthorized XX/XX/XXXX property tax payment.

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 04-03-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (KY).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Wells Fargo Bank. It require that the property insurance be paid thru the mortgage. I of course was n't told this until after I paid my insurance in advance for 1 year. The policy is paid in full until XXXX 2016. Wells Fargo continues to withhold a monthly amount and hold it in an escrow account. I have talked to them until I 'm blue in the face, and can not get this resolved. 
Will you please help me? 

Every time I try to reason with someone there, I get a form letter telling me I can not get my request because of some of rule they have. Nothing is ever posted to warn their customers in advance so we do n't waste our time. Wells Fargo has the most dishonest business practices I 've ever encounter.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (GA).
Issue: Application, originator, mortgage broker

Complaint: In 2010 I filed chapter XXXX debt relief and reaffirmed my first and second mortgage with J P Morgan Chase and have been making my payments as required ever since. My first mortgage payment history has been reported to the credit bureau as required but my second mortgage account ending in XXXX has not. I recently applied to re-finance with XXXX Mortgage, loan office XXXX XXXX in XXXX XXXX XXXX and combine my first and second to save money, almost XXXX per month, but because J P Morgan Chase has not and will not report payment history to credit bureau I can not meet underwriting guide lines to do the refinance. I feel this is being done to prevent me from being able to refinance and keep them from loosing my loan. I need help, this is costing me XXXX every month that I ca n't get my refinancing done. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Mortgage (Home equity loan or line of credit) with U.S. BANCORP (CO).
Issue: Loan servicing, payments, escrow account

Complaint: This is a copy of a email I sent to XXXX XXXX of US Bank asking for help. I am not able to know nor see what I owe for my XXXX payment. The letter say XXXX amount and the brank manager says a different amount. The email text is below. 

Hi XXXX, I met with XXXX today at the US Bank branch office. He pulled up a payment that is due for this month and is {$240.00}. and some change. The attached letter says that amount due is {$120.00}. No knows really what I owe here. How can one do business and pay what is fairly owed. I will be sending another compliant to the CFPB about this. 

Despite the letter saying that I missed or was late for payments for XXXX ... .. I did make payments each time of the amount due for each month was dinged a late charge. XXXX tried to get a amount detail of what I owed for XXXX, but was told to have me call this number at BK Mortgage Hotline of XXXX. I called this number and was told to call or go the bank as they can help me. XXXX is not able to see any details of what makes up a payment. This is getting me no where. Please help!!!!!!! 

Kind Regards, XXXXHow can one make a payment, yet not getting any details. This is a classic case of loan fraud. I need this resolved by dropping the loan as the bank is practice deceptive practices on lending. This has been going on for years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: For a while now, I have file several disputes with Equifax about XXXX XXXX inaccurate account balance and still no change. The results were, the account belong to me, when I 've never said it did n't, and/or the balance of this item has been updated but the balance amount was never changed, it reflects was the same amount, which makes me believe that there was never an investigation completed. 

I 've even sent a copy of my dispute filed with CFPB to Equifax, along with XXXX XXXX response to suspend collections and the account still have not been removed fro my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I switched insurance companies so I received a check for the overage when XXXX cancelled. Then I called to see how to reapply the amount for the new insurance. The amount was applied to my monthly bill instead. I have called about XXXX times ( at least ) to ratify this issue. I sent my second check to apply to escrow and they AGAIN applied to my note. I even spoke with a supervisor last time to no avail. I give up. They keep reanalyzing my escrow and increasing my note because of the shortage. I do n't believe calling is helping anymore and need someone else to intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I never owed XXXX {$310000.00} as reported to the credit bureaus. 
Since it was removed I suppose it paid off {$240000.00} reported by Indymac. 
And {$70000.00} to XXXX I paid twice and XXXX with whom I never had an account. 
Since the other {$240000.00} reported by Indymac was removed plus another {$17000.00} paid to XXXX ( of which some of it went to midland ) would be the other {$260000.00} XXXX loan I paid twice. 
From this the {$240000.00} remaining amount of my 1998 30 year loan payments would be paid in full. 
Now that I have paid XXXX another {$100000.00} for the 17 years escrow I owed and I did n't know I was using to fund the prepaid line of credit, I have now repaid someone else for my own money. 
This implies that along with the {$15000.00} I already paid to midland -but only 17 years escrow disbursed on my house I also paid {$41000.00}. ( This was the payoff amount of my duplex XXXX XXXX foreclosed. ). Having already paid {$140000.00} for my duplex did they foreclose on the {$59000.00} XXXX XXXX XXXX did n't give me? - Meaning I had a {$5000.00} credit balance at foreclosure because of XXXX XXXX XXXX - for a credit offer I did not accept and for money they did n't give me. 

I lost my duplex XXXX XXXX 's attorneys valued at {$78000.00} ( and XXXX XXXX valued it at {$150000.00} ). But XXXX XXXX XXXX thought it was worth {$200000.00}! 
Taking off the {$53000.00} balance reported to the IRS and giving me back {$62000.00} value reported ( amount overpaid ). I paid {$150000.00} for my XXXX someone else owns - For {$59000.00} XXXX XXXX XXXX did n't give me I do n't know who I should send this to. the CFPB needs to compile all of my recent complaints and sort out who is to blame. 
XXXX need to fix it. 
XXXX XXXX XXXX needs to pay me back. 

So along with the {$210000.00} I already paid must be that other {$260000.00} first XXXX loan released twice. The other XXXX loan loan released was the 1998 30 year loan paid off in only 15 years. 
It all fits. There is no balance and XXXX owes me {$210000.00}. XXXX owes the escrow I 've used since the modification. I do n't know who owes me {$59000.00} extra I paid to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I recently received a letter from Navient informing me that my loan terms had changed. Navient, without my consent, automatically changed my repayment plan from a 15-year plan to a 25-year plan. The change to a 25-year repayment plan would have more than doubled the amount of loan interest I would have had to pay Navient. What concerns me is Navient did this without my consent. If I had trouble making payments, and called Navient to extend my terms this would not be an issue. However, for someone capable of making the payments, and even being able to pay off the loan in full this is very disturbing. Student loan companies should not be able make such changes without getting written consent from the loanee prior to changing loan terms. I find Navient 's practice deceiving and harmful to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (WV).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: CITI credit card will not remove pending charges even after a three way call from XXXX that put three charges on card that was not autorized. It was CITI request to do three way calling they claimed that my card was a gift card and not a secured card? I am stuck paying XXXX due to false charges.

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 11/19/2016 about Mortgage (Conventional fixed mortgage) with ZIONS BANCORPORATION (CO).
Issue: Application, originator, mortgage broker

Complaint: Vectra Bank did not get the loan closing document completed in time for the scheduled closing and we were notified 3 days before closing. Have scheduled time off from work, moving truck arriving, purchased furniture arriving, housing lease ending - no place to live. Applied for the loan over a year ago while house being build. We provided all the paper work and documents on time. There appears to be no penalty if the mortgage company fails to complete their work for an agreed upon closing time, resulting in economic losses for the consumer.

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 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: account PAID IN FULL. disputed A MILLION TIMES. here IS PROOF IT WAS PAID. pleasE REMOVE THIS INCORRECT INFORMATION.

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 09/27/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Closing/Cancelling account

Complaint: I do not get paid until of each month. Beginning last month, I called Capital One and ask if there was any way that they could assist me in a payment plan, The answer was no there is nothing they can do to help me. Now I have a car financed with Capital One in which I owe about XXXX more payments until it is paid in full. Because of the lack of support that I have received as a result of paying this credit card makes me rethink my decision of ever getting a car financed or a credit card through CAPITAL ONE with the lack of support that I received. I was forced to close my accout

Company response to consumer: Closed with explanation