milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/19/2017 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Problems caused by my funds being low

Complaint: I bank with PNC Bank here in XXXX, PA. I have always been 'opt-out ' on my checking account, however last XXXX ( XX/XX/XXXX ) my account was changed to a different type of checking account better suited to my needs as an XXXX and on Soc Sec XXXX. When the account was changed the 'opt-in ' is the default standard and the customer must 'opt-out '. I was NEVER notified that I was an 'opt-in '. My understanding is that there are 3 ways to change that status : by letter, over the phone, and online. Each would still require some sort of notification and signature by customer acknowledging the change. 
Over the past year I have had numerous overdrafts due to my debit card to say the least and my PNC branch has been very flexible in offering a few refunds of the OD fees. The most recent occurrence of overdraft fees due to the debit cards being authorized and paid began on XX/XX/XXXX. I have paid nearly {$1000.00} in OD fees during the last year due to this opt-in being on my account and never realizing why the ODs were multiplying like bunnies until recently a banker friend mentioned it. 
PNC has offered a paltry {$100.00} refund this time around and has corrected me back to 'opt-out ' like I ALWAYS had been. They claim it is not a bank error and will not refund this extraordinary amount of OD fees collected from me over the past year due to their failure to disclose to me the opt-in status. I was told that its in the customer Rules & Regulations book. I would think they have a fiduciary responsibility to make it very clear at time of account opening ( or type change ) to the consumer and at least have me sign a paper acknowledging it.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am in debt with Sallie Mae and it is a delinquent loan because I have been ACTIVELY looking for work ( no results yet ), but I have an unpaid internship with a company that may hire me. However, Sallie Mae keeps calling on an HOURLY basis ALL week even Sundays after hours ( XXXX ) while I am at church with my family or working.They even had the nerve to ask for my internships number! The tone is demeaning and rude, I feel extremely harassed. Not only that, they have also called my parents at home and at work ( My mom gets calls on her company phone number at work and she is a hairdresser that gets paid by the hour ... so when they call she looses business ), my grandma in another state, and my fiance during classes! I want to pay my loan but until I get the loan re-structured or get a job I can not pay my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Debt collection (Medical) with Continental Credit Control (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Continental Credit CTR is reporting a collection account but will not validate the debt. I had / have insurance so I have asked for an accounting of what they say I owe and they have ignored me but continue to report it on my credit report. I had disputed this with the provided prior to it going to collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: ******THIS IS NOT A DUPLICATE***********THIS IS NOT A DUPLICATE********** I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission. These are the accounts that are unauthorized inquiries : 1. XXXX XXXX   XXXX/XXXX/XXXX 2.XXXXXX/XX/XXXX3. XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 8. XXXX XXXX XXXX/XXXX/XXXX 9. XXXX XXXX/XXXX/XXXX 10.XXXX XXXX XXXX/XXXX/XXXX 11. XXXX XXXX 12. XX/XX/XXXX XX/XX/XXXX13.XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2015 about Consumer Loan (Vehicle loan) with SUNTRUST BANKS, INC. (WV).
Issue: Taking out the loan or lease

Complaint: My father is a XXXX veteran XXXX. Recently his XXXX van broke down and needs to be replaced. My father is XXXX XXXX and receives benefits from the VA. He has the funds to purchase a van, but with his XXXX, it does n't need to be brand new $ 20,000- {$30000.00} vans from car lots. I have been finding great deals from individuals that have lost loved ones and no longer need the vehicles. THE PROBLEM we are running into is the vehicles are not appraising through kelly blue book for the loans, because the banks will not consider the XXXX adaptions that have been added. I even had the receipt where the equipment was added in XX/XX/2009 for {$30000.00} for XXXX of the vehicles i was trying to purchase for {$11000.00}. and they still denied it because the plain van only booked for {$5200.00}. What about the {$30000.00} that was added to it??!!!! I am amazed that dealers can sale these at car lots and will go right through the bank, but someone that needs to sale it for hardship and MY FATHER NEEDS IT!! i do not want to go out and buy a {$30000.00} car for someone that is as sick as my father is. Then i will be XXXX of these people that ca n't sale it to anyone BECAUSE banks wont loan on them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: In receipt of the latest correspondence from Wells Fargo Home Mortgage, dated XX/XX/XXXX, which lists the current balance and total payments. The lists of current payments include, {$820.00} / Unpaid payment XXXX and Total payment of {$3300.00}. On XX/XX/XXXX, I visited the Wells Fargo Branch located in XXXX XXXX XXXX XXXX, where I spoke directly with personal banker XXXX XXXX deposited {$1600.00}, with a unapplied amount of {$19.00} to be added totaling {$1600.00}. Additionally XXXX XXXX contacted Wells Fargo Home Mortgage representatives, while I witnessed the conversation, which resulted in the representative understanding how much was to be deposited and how it was to be deposited. Also while I sat with XXXX XXXX, I left a voicemail with my new point of contact XXXX XXXX ( XXXX ) XXXX, along with my repeated concerns of how my mortgage payments were applied and also the three ( 3 ) escrow analysis performed on my mortgage account without my consent and or authorization. XXXX XXXX assured me that he would make every effort to address my concerns, handing me his personal card, information, etc. Today 's letter however does not reflect the deposits I made on XX/XX/XXXX, thus reinforcing the fact that monies sit in the banking institutions while gaining interest. The fact that Wells Fargo Home Mortgage has state of the art communications at their disposal, it baffles me that money sits after deposits are made, while Wells Fargo insists this is not the case. It is my hope the constant letter sent to credit bureaus/agencies and a definitive answer can somehow have clarification in writing. The constant robo letters sent by Wells Fargo Home Mortgage, never answers any questions. Only satisfying inquiries sent into the CFPB and their guidelines for response. I request undated accounts and accountability of those involved in the constant delay tactics and non-answers from Wells Fargo Home Mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/28/2017 about Mortgage (FHA mortgage) with Paramount GR Holdings, LLC (CO).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In regards to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX, CA. XXXX XXXX XXXX fax NMLS # XXXX They do a very hard sell, do not take no for an answer. They showed me what my mortgage and costs would look like. I sent them the information they asked for. They had me go online to sign forms. When I looked at the mortgage information on their site, the costs where higher. I told them via email XX/XX/2017  that I had changed my mind and did not want to refinance my home at this time. Since this day they have called me 2-3 times a day, every day, asking me to call them back to talk about this ( XXXX XXXX XXXX - Sr. Mortgage Specialist ), he also had his boss call me ( XXXX XXXX XXXX - District Manager ). Then they sent me a letter with both of their business cards. They continue to call me 2-3 times a day to this day, including Saturdays and Sundays. I do not answer the phone as I feel I do not owe them an explanation, I said no. They need to stop! This is harassment. If they do n't stop I feel I would need to hire a lawyer.
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from  XXXX   XXXX   XXXX  .  that represent the client   XXXX   XXXX   XXXX   XXXX  , charging me for a debt of  XXXX  that is not mine.   The date of the letter is    XXXX   XXXX   ,  2017 , but I just received yesterday and it says the original creditor is BANK OF AMERICA / FIA CARD SERVICES  N.  A.   I never had an account with Bank of America or  FIA Cards  so I don`t know why I am being charged.   I calle d FIA  and they don`t explain anything for me, they transferred my call to several people and no one can explain what this charge is about.   I also called   XXXX   XXXX   XXXX   .  that represent the   XXXX   XXXX   XXXX   XXXX   and they also did not know to explain to me what is happening, they just told me that the name in the letter is someone else and they ask me to ignore it, but this charge is in my name and my address, I can`t ignore it!

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 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XX/XX/XXXX. I sent a certified letter to Transunion asking them to remove the 2 accounts for a tax lien reporting on my credit file. 1st off they come back and tell me they verified the accounts but when I asked them to furnish me the information they received from the courts verifying that these accounts were accurate they told me they did not have anything to show me. I did n't ask them to remove this from my credit since they had no proof that these accounts were valid nor accurate they told me they were not going to do so. I am requesting the TransUnion remove these accounts from my credit immediately

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 05-01-2015 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Closing/Cancelling account

Complaint: I APPLIED FOR A MACY 'S CREDIT CARD AND PURCHASED XXXX ITEM WHEN I GOT MY APPROVAL IN THE AMOUNT OF {$53.00}. I WAS INFORMED THAT I WOULD RECEIVE MY CARD AND THE STATEMENT IN THE MAIL. I WAITED AND WAITED AND DID NOT RECEIVE ANYTHING. THEREFORE, I WENT INTO MACY 'S AND ASKED THEM TO PULL UP MY ACCOUNT. I TOLD THEM THAT I OWED THEM MONEY AND WANTED TO PAY OFF MY ACCOUNT. THE CUSTOMER SERVICE PERSON WAS NOT ABLE TO PULL MY ACCOUNT AND STATED THAT I DID NOT HAVE AN ACCOUNT WITH THEM. UPON LOOKING AT MY CREDIT REPORT, I REALIZED THAT MACY 'S HAD REPORTED ME TO THE COLLECTIONS AND IT WAS SHOWING ON MY CREDIT REPORT. I DID SOME RESEARCH FOUND A CUSTOMER SERVICE NUMBER TO CONTACT AND WHEN I DID, THEIR RESPONSE WAS THAT THEY MAILED OUT THE CARD AND THE STATEMENT AND CONFIRMED A CORRECT MAILING ADDRESS FOR ME, BUT FOR SOME REASON BOTH THE CARD AND THE STATEMENT WAS SENT BACK TO THEM AND THEY NEVER CONTACTED ME TO ADVISE ME OF THIS MATTER, EVEN THOUGH I HAD PROVIDED THEM WITH ALL CORRECT INFORMATION. THEY WANT ME NOW TO PAY THE BALANCE OFF AND THEN TRY TO DISPUTE THIS MATTER SO THAT THEY CAN CONSIDER REMOVING IT OFF OF MY CREDIT REPORT. I WOULD LIKE THIS MATTER INVESTIGATED SO THAT I CAN CLEAR UP THIS MESS AND HAVE IT REMOVED FROM MY CREDIT REPORT AT ONCE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-12-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: We entered into an agreement with our servicer on new payment terms for our mortgage through email with our attorney and their attorney. The servicer agreed to adjust our interest rate, reduce the unpaid principal balance, adjust our monthly payment amount, correct our property address and offered us a settlement amount of {$18000.00} in exchange for us dropping our law suit against the servicer with prejudice. The servicer than produced a formalized settlement agreements ( Including the confidentiality and loan-modification agreements ) that provided language that we did not agree to. There was also an issue on who " relevant parties '' are regarding the formalized settlement agreements ( Including the confidentiality and loan-modification agreements ). We exchanged emails with the servicer 's attorney to change the language in these formalized settlement agreements ( Including the confidentiality and loan-modification agreements ), but the attorney did not agree to changing the language and told us if we did not sign these formalized settlement agreements ( Including the confidentiality and loan-modification agreements ), we would not have an agreement. The CFPB has found that these agreements are not required for the servicer to grant homeowners a loan modification. The servicer is now attempting to foreclose on our home because they will not grant us a loan modification without signing these formalized settlement agreements ( Including the confidentiality and loan-modification agreements ) and never adjusted our interest rate, unpaid principal balance, monthly payment amount, corrected our property address and did not pay the settlement amount of {$18000.00}. As part of the agreement, we had to non-suit our lawsuit with the servicer with prejudice. Since the servicer 's attorney informed us that there is not an agreement if we did not sign the formalized settlement agreements ( Including the confidentiality and loan-modification agreements ), we non-suited our lawsuit without prejudice. The servicer 's attorney filed a motion to get the judge to force us to honor the agreement and changed our non-suit to with prejudice. We did appeal the trial court 's decision and the appellate court ruled we did have a valid Rule XXXX agreement but that the formalized settlement agreements ( Including the confidentiality and loan-modification agreements ) exceeded the scope of the Rule XXXX agreement. The servicer has still not provided us a loan modification as agreed and plans to proceed with the foreclosure. The servicer had posted our home for foreclosure sale on XXXX/XXXX/2016, but we filed a temporary restraining order. That TRO expired on XXXX/XXXX/2016. Our home has now been listed for foreclosure sale for XXXX/XXXX/16.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My home was foreclosed on XX/XX/XXXX. This left a second mortgage account with Bank of America that was not discharged. Even though they were notified that the property was no longer my responsibility, they keep making tax payments on the account and charging me an escrow balance. These payments keep being returned, with the last XXXX being returned XX/XX/XXXX. After XXXX attempts to have the escrow account removed, and after Bank Of America actually agreeing to do it once, they have once again re-established my escrow account and made another unrequired tax payment on my behalf. Now they are reporting my account past due, because I can not afford to make the bloated payments they are requesting to cover the tax liability. To make matters worse, they refuse to address the issue while the tax payment is being processed, and the subsequent request to have it refunded is in process. I literally can not get them to address the issue before they make another payment!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMW Financial Services NA, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: inaccurate information no knowledge of accounts cra violation please remove from the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit card () with CITIBANK, N.A. (FL).
Issue: Customer service / Customer relations

Complaint: Notwithstanding several attempts to have the below corrected since XX/XX/XXXX via telephone complaints/request to Macy 's credit ; to date, I have received no replies or corrections. 
XXXX Re : Macy 's credit card number XXXX As communicated in my call to Macy 's Credit Services of XX/XX/XXXX , that my Macy 's credit account which is my oldest credit reference is not being reported by XXXX, XXXX nor XXXX. Said account is reported as closed by XXXX. 
Per your request on XX/XX/XXXX, this is my written request to have my credit reference of this trade reported/updated correctly with all the applicable credit bureaus. 
Attached you will find a copy of my most recent XXXX report which corroborates this issue. 
Please confirm execution. 
Thanks for your assistance. 
Sincerely,

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 03/31/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a phone call today from XXXX. The man on the phone said that they were preparing a suit against me out of Illinois for a credit card that I supposedly refused to pay. I immediately told him I did n't have any cards that were not current. The man on the phone said that this was a credit card that was opened in XXXX and then said the company reported to them that it was open until XXXX with no issues. I told him I did not have that card and I did n't have a card in XXXX that was open until XXXX and I asked him to reiterate that he was planning to file a suit to collect. He said they were preparing the suit and I again told him I did not have that card. He asked me to confirm my name again and what my maiden name was. I have been married for XXXX years. I have n't had any credit cards in my married name that I do not still have. 
He asked me about a mailing address that I had over XXXX years ago and I again told him, I did n't have that card and certainly did n't have XXXX that was open in XXXX. He then said that the card was open until XXXX and changed the year he claimed it was open until. 
So he said that he would go ahead and put down that it was indeed a refusal to pay. I angrily told him that I was saying that it was not a refusal to pay but that this card was not mine. I did not have any cards that were open in XXXX. He said " That 's okay, we already have you recorded ''. I told him I was going to report him and he said to " Go ahead and report me ''. 
This company, whose name he said was XXXX, was stating they planned to sue for a card I did n't have and using fear tactics that I know are illegal. The man on the phone refused to give me his name but he had a deep voice.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: the past year we have been working on improving our credit rating. received an email from Transunion offering ways to help better our score. I hit the enter key and read the top XXXX companies who could help, i.e. XXXX XXXX, some debt relief co 's, etc. I went into XXXX XXXX entered name and some info, then changed mind. deleted all info. Then received an email from this co that my loan was denied. HOW did they get into my report? They told me they buy names from Transunion of people wo have credit problems, I told them I wanted them to take off their inquiry on my credit report and I was going to notify FCC, XXXX, which have been completed. see attached

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 07/20/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Billing disputes

Complaint: Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation