milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/28/2017 about Checking or savings account (Other banking product or service) with PNC Bank N.A. (PA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I keep getting overdrafts with money in the acct, there online banking is not accurate, was treated like a criminal by the branch manager and never got my refund back, they charge fees when they are not supposed to been happening for 5plus years, misc charges at several occasions, always get treated poorly at the branch, they charge to see a teller and list goes on

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I read in the news that my current servicer, Navient, is being sued by the CFPB and that if I 've experienced anything negative during my experience with them that I should submit a complaint. 

I have three major complaints about Navient. The first is that I was not aware of the fact that all unpaid interest on my outstanding loans would be capitalized if I consolidated them with Navient. This means I 'm paying interest on top of interest and seems unfair. Secondly, I 've made attempts in the past to make additional payments beyond my minimum in order to pay down my loans more quickly. Doing so, however caused me to get booted from the income based repayment program I was on and gave me a budget crunch when my payment skyrocketed without notice. Lastly, every year when I have to recertify for my income based repayment I 'm not given any kind of notice or forewarning and I think this is also done intentionally to boot me off the income based repayment program. 

I have a fico score over XXXX and am paying 6.75 % on these loans which seems usurious. I hope the new president allows me to refinance at a lower rate and have the outstanding balance forgiven for me after 20 years instead of 25. Also, some action needs to be taken on making the forgiveness of student loan non taxable. Currently I will have to pay income tax on any debt forgiven after 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MS).
Issue: Deposits and withdrawals

Complaint: Wells Fargo closed my checking and savings accounts on or around XX/XX/2017. They did not provide a reason for doing this. Further, I had no reason to suspect the bank would close my accounts, since I never violated the bank 's terms and conditions. I never bounced a check and I 've never done anything to warrant the bank suddenly closing my accounts without providing me the consideration of an explanation. As a result my other bank, XXXX, charged me {$15.00} for a failed ACH transfer that I attempted on XX/XX/2017. When I visited Wells Fargo this afternoon to collect my account balance of {$5600.00}, the bank employees told me they were unable to give me the money. They told me I would have to wait until their " back office '' released a hold on the accounts.

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 01-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I attempted to acquired XXXX as my TV and internet service provided for my apartment at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX. My apartment complex is an XXXX XXXX XXXX connected community and thus can not have XXXX XXXX. I was sent the equipment and then was told that I could not receive service. I returned the equipment via XXXX as requested. The account was closed with a zero balance two-three days later, because it was within the 30 day money back guarantee. XXXX decided to sent a debt collection agency, AFNI, INC. to collect {$41.00}. This is wrong because I can not be charge for a service I have never had. The service was never even activated, because the address was not serviceable. I have attempted to contact AFNI, Inc. but no one will answer the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Customer service / Customer relations

Complaint: We were the victims of credit card fraud perpetrated by a merchant in XXXX. The nature of the fraud was altering a credit card slip and submitting it for payment to J.P. Morgan Chase Bank, as though we had authorized the charge in question. We wrote a lengthy letter to Chase, describing the underlying transaction and the fraudulent conduct by the merchant. The representatives from Chase 's customer service department with whom we dealt robotically went through the steps - likely required by a training manual - did not consider the proof that we had spent hours compiling and then posted the charge to our account. It was patently obvious from the last communication from Chase that they did not consider the information we had sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Debt collection (I do not know) with Receivable Recovery Services, LLC (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Debt collection (I do not know) with Credit Protection Association, L.P. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Robo calls and agent leaving messages on my answering device, attempting to collect a debt from a person unknown to me, I have repeatedly stated I do not know this person named XXXX XXXX and to stop calling, this company refuses to stop and desist, and I want criminal charges for fraud against them. I do not know of the person or debt by this person. Company : Credit Protection, left contact numbers Phone No 's, ( 1 ) XXXX ; ( 2 ) XXXX, using their account number stated as XXXX, website I think stated as XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 12/20/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (VA).
Issue: Making/receiving payments, sending money

Complaint: I pay all my bills through Wells Fargo bill pay process. My XXXX XXXX XXXX was due on Sunday, XX/XX/XXXX. I scheduled my electronic payment to come out of my account on Thursday, XX/XX/XXXX. It was not delivered until XX/XX/XXXX ; resulting in a {$27.00} past due fee. I have a couple issues with what happened. - Funds were removed from my checking account on XX/XX/XXXX - XXXX XXXX processes payments on Sunday, but Wells Fargo does n't consider that a business day. 
- My payment has still not cleared XXXX XXXX on XX/XX/XXXX and I received a past due fee. 
- Electronic payments should not take 3 business days ( especially since it 's been removed from my account ) to be processed from another on-line bank. 
- This is the 2nd time my due date as fell on a Sunday and caused this issue ; but overall - I think the debiting of my account prior to a payment clearing is questionable and the time it takes to make an electronic payment is too long. I do have the option to pay an additional fee to make it go faster. 

I did not have this issue with Wachovia ( prior to them becoming Wells Fargo ) and I also am aware other banks do not take money out of your account, prior to the check clearing - it also should n't take 3 " business '' days to send an electronic payment. I spoke to XXXX different representatives and did get agreement that it did n't make sense that the process took so long to send an electronic payment ( not needing to create a check ). 

I 've also opened a ticket with XXXX XXXX to see if there is an issue on their end, but based on my conversations with Wells Fargo - I believe the issue is with the delay in their processing of bill pays.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Debt collection (Other debt) with PINNACLE RECOVERY, INC. (DE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/XXXX - My husband and I bought a deeded time share at XXXX XXXX XXXX in XXXX XXXX XXXX. We paid in full for timeshare -- {$12000.00}. We paid taxes and maintenance fee annually as billed. XX/XX/XXXX - My husband and I divorced. He got XXXX XXXX XXXX in settlement. He ( alone ) paid  taxes and maintenance fee annually. XX/XX/XXXX - My ex-husband XXXX and our daughter, as executrix, contacted XXXX several times trying to get deed changed to her name. Several calls and faxes with no response from XXXX. We were informed by XXXX that we had to work through XXXX to get this done. XX/XX/XXXX - My daughter continued to contact XXXX about transfering deed. No statements or any information regarding taxes or fees were received. XX/XX/XXXX -- A $ 20,000+ collection action appears on my XXXX credit report from Pinnacle Recovery. Upon inquiry, I find that because the deed to the timeshare was never changed, my former name still appears on the deed and I am liable for back taxes and fees. They tell me that even though my divorce releases me of liability, their civil claim supersedes that. I have never received any annual statements or bills from the current owner of XXXX, XXXX XXXX. Pinnacle offers to terminate the action for {$310.00}, however, they can not guarantee that my credit report will be repaired. They tell me I have to follow up with their client, XXXX XXXX and wait for their release letter. The rep advised me to be persistent in asking for the letter because XXXX is not timely with this action. He said it could take months to get the release. He said I should continue to call, asking for supervisors, etc. While I believe the whole transaction is a scam, I am willing to pay the {$3100.00} to get this matter resolved, but I am concerned that once I pay, they have no motivation to give me a release letter or remove the derogatory from my credit report. I also believe that since Pinnacle is the company that put the negative information on my credit report, they should remove it as soon as I pay the money they request. I would appreciate your advice on how I can assure that my credit report will reflect the resolution of this matter as Pinnacle has promised. I have attached all relevant documents for your review. Thank you very much XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: There was a computer glitch in TransUnion system that deleted all inquiries from my TransUnion credit report. This problem was TransUnion and not caused by me or any actions of mine. This glitch happened in XX/XX/XXXX and also in XX/XX/XXXX. TransUnion then later added all the inquiries back on my credit file without giving me the legal required written notice of 5 days prior to re-adding them to my report. I contacted TransUnion on XX/XX/XXXX in good faith to ask them to delete the inquiries that they illegally re-added. The representative would not remove the inquiries even though he admitted that the glitch happened. These inquiries bring my credit score down and add a hardship to my credit potential. It is clearly a violation of my rights by TransUnion and a clear disregard of protocol. Please help in stopping TransUnion from victimizing citizens. As a resolution I am asking that TransUnion delete all inquiries from my credit report permanently due to the violation that took place when they were illegally added.

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 08/22/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: As my husband and I near the discharge of our debts after four long years paying a chapter XXXX, our indebtedness will be over XX/XX/2016, and we are making a diligent effort to repair and restore our credit as much as possible. Both on line and over the phone, the program times out before I can complete the application, or just when I am ready to hit the submit button. Via phone, the system is automated and I can not reach anyone over the phone. It is frustrating to keep entering the info on line, only for a system error to pop up then I have to repeat it over and again. I have told both Equifax and XXXX over and over that they are reporting incorrect information regarding our mortgage and that we have been late just once, and on the smaller mortgage, we were stripped of it via bankruptcy. They wo n't listen, and keep reporting inadequate information. We ca n't get in touch with them.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax is Reporting a Bankruptcy which i disputed and they stated it was verified ... I called the courts which advised me the courts does n't verify this information.. Equifax pulled this information from a third-party agency, as per courts Does not Verify Therefore this Must Be Removed from my credit file which is damaging to my true credit file. 

And I would appreciate it once its deleted I want proof that it 's been deleted. Please send me an email to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (MD).
Issue: Closing on a mortgage

Complaint: XX/XX/XXXX : I was supposed to close on my short sale today but I am no where near that because roundpoint mortgage is not providing quality timely responses. They have denied every allowable charge submitted by peace mailing responses. I'm not coming to the table with anymore money. Roundpoint should pay for closing assistance, ground rent, hoa, water assessment as allowable charges!!! If the buyer walks away it's going to be Roundpoint's issue. Enough of the run around!

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 10/14/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from Portfoilo recovery on XXXX/XXXX/2015 claiming I owed a bill, I sent a written dispute along with their dispute letter. They claimed they did n't receive it, however with speaking to reps from portfolio recovery they stated my account was in dispute, however I received a second letter regarding the same claim to collect money for the same claim that is in dispute. I have sent copies of the original dispute letter to Operation Manager by his request on XXXX/XXXX/15 after speaking to him on the phone. He replied to my email that it would be forwarded to the Vice President of the company, this alone shows proof that I disputed this claim upon receiving the XXXX letter. I have been called as well after disputing my claim. This is the 2nd time I have been contacted, once by phone and a second letter after submitting a dispute letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have objected to their evidence. My proper reason for objecting to material evidence include : Lack of foundation : the evidence lacks testimony as to its authenticity or source. 
Best evidence rule or hearsay evidence : requires that the original source of evidence is required, if available

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit reporting () with Credit Bureau of Jonesboro, Inc. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed this account with the Credit Bureaus as well as Credit Bureau of Jonesboro Collection. I disputed this account with this company on 2 occasions ( see attached letters certified return receipt documents ) and on each occasion, they were unable to provide me a summary of all account activities, payments made, copies of charge slips, invoices, copies of documents sent to me regarding my account and any papers that bear my original signature that reflect that I agreed to pay what they say I owe. See attached letter I sent them as recent as XX/XX/XXXX of this year responding again to their letter and seeking validation of the accounts they were listing on my credit report. I have never heard of this company nor have I ever did business with them. I have never signed any contracts nor had any obligation to them. This item is not 100 % accurate, the statute of limitations has expired and it is not verifiable ; therefore, these items should be deleted from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Debt collection (I do not know) with CONTRACT CALLERS INC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company is posing as a debt collector and phishing for personal information. They called and asked me for my address and last XXXX digits of my social. When I refused and asked them who they are, they hung up on me. If it was a legitimate debt collector they would have that information or would be willing to answer my questions. 

CCI Contract Callers Inc. 
XXXX, GA 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 02/16/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I wrote to XXXX XXXX Bank asking them to provide proof that they own the debt which was not originally there 's. I got no response and it 's been well over 90 days. I asked XXXX and Equifax that they be removed and it was only deleted from XXXX. I would like them removed from all XXXX bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: The summary is that Heartland ECSI charged a late fee for a payment I missed. However, when I made the payment they did not apply anything to the late fee and instead let it accrue for several months. After the missed payment I established a monthly withdraw from my bank account to ensure a payment was not missed. So for months my bank account was being charged. But the company never applied any of my payments to the late fee. Nor attempted to notify me that a late fee still applied. 

The late fee was first charge in XXXX in the amount of XXXX and continued into XXXX when I logged in to check this account, under the assumption that it was current, and saw that the amount due ( usually XXXX ) was now XXXX. This is when I saw that none of my payments ever applied to the late fee. However when I applied the first manual payment in XXXX to pay this account I saw that XXXX was due after I made the payment. 

I attempted to deal with the customer service but they insisted that it was my fault for not making a separate payment just for the late fees and that recurring payments would never be applied to a late fee. I was then told that the manual payment that showed XXXX due, only applied to the recurring amount due and that I should have known the late fee would require a separate payment. 

The attachment below shows 3 consecutive billing statements that show a late fee, and show that a payment was received each prior month, but the late fee continues to accrue. 

Finally when setting up recurring payments, the website intentionally does not show the monthly payment amount on the same screen it asks the user to input a monthly amount to be charged from their bank. there is no selection available that allows the user to pay the minimum amount due or show any other previous payments for reference. This means that the user must either guess, or navigate away from this screen to find out. This is clearly an intentional attempt to get users to underpay without knowing it and be charged a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Consumer Loan (Vehicle loan) with U.S. BANCORP (AZ).
Issue: Managing the loan or lease

Complaint: I went into a US Bank banking center to make a payment on my auto loan. The teller put the payment toward my XXXX account with them instead, even after verifying the amount of the auto loan payment. About a week later I got a call from US Bank asking when I could make a payment on my auto loan and that I was now delinquent. I went back to the branch where I made the payment and took my receipt with me. They searched but could not find where the payment was posted, but said they would try to find it and fix their wrongdoing. I have been to XXXX branch locations now over the past three weeks and even though they found the payment posted to my XXXX account they still have not corrected the mistake. It has now been over 30 days and the delinquent calls keep coming in and they claim it is being reported to my credit.

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 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Problem with fraud alerts or security freezes

Complaint: I have attempted to lift a security freeze on my credit report with Experian numerous times both online, by phone, and via mail and I never am able to have the freeze removed. There is no person to speak with by phone and the company never correspondence concerning the matter. This causes much duress in attempting to transact when all  XXXX  bureaus are needed for a 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