milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/21/2015 about Bank account or service (Savings account) with PNC Bank N.A. (DE).
Issue: Using a debit or ATM card

Complaint: I 'm XXXX and XXXX and XXXX and also will be filing complaints against them for discrimination against people with XXXX. I wish to make a complaint against PNC Bank. On XX/XX/XXXX, I attempted to use my XXXX Debit Card to make online purchases and received an error that my card was invalid, I then attempted to use my card again on XX/XX/XXXX at XXXX and my transaction was denied. I contacted PNC Bank with my son, to inquire why these transactions were denied and, I was advised that because my magnetic strip was worn out, this is the reason my online transactions were denied and a replacement card needed to be mailed. My son, felt this bad explanation being that an online purchase, has no bearance with anything to do with a card 's magnetic strip, and this being the case, why had n't they notified me. Then, I was informed by the service rep because, I no longer have a checking and only savings, these transactions were being denied, but I have used this card to always make purchases and to pay bills and other point of sale transactions. PNC issued this card to me on XX/XX/XXXX, but has never notified me in writing, that because I closed my checking XX/XX/XXXX, that I can only use this card to make withdrawals from my savings. This is a holiday week and now they ca n't even provide a good explanation of why I ca n't use my card. In addition, I was unable to login into my online account due to PNC Bank freezing my online account login and after providing the correct information they refused to allow me access to my online banking and stated they had to mailed password and I would receive it in 3 to 5 business days, when my account had been fully authenticated and what disturbs me is they always provide generic responses, besides having deployable customer service, and only resolution they can offer is about going into local PNC Branch ; who nowadays goes into local branches, that 's the reason for having online banking in the first place and I 'm also due to reason I 'm unable to leave my home due to my current medical condition. I need to make a complaint against them for blocking the authorized use of my funds and deliberately discriminating against the elderly and people with XXXX and failure to provide written notice of restrictions and changes made to my Debit or Bank Card.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Debt collection (I do not know) with First Recovery Solutions, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: First Recovery robo-dials my home 1-3 times per day and has done so for the past month. They are trying to collect a debt for a " XXXX XXXX ''. We are XXXX XXXX and XXXX XXXX XXXX. The person they are looking for has never lived in our home or had our telephone number. We have had our telephone number for over 20 years and we are the original owners of our home ( over 15 years ). 

The robo-dial message says to hang up if you are not the person they are trying to locate. This is useless as it does not stop the calls. I pressed 0, to speak to a human and advised said human that we are not who they are looking for and to stop calling us. 2 days ago the company representative said she was removing our telephone number from the account. That was a lie, as yesterday we received more calls. Said representative also advised us to " go ahead and sue ''. 

Our question is how to we get this company to stop harassing us with their robo-dialed calls, what recourse do we have and can a government agency make them stop?

Company response to consumer: Untimely response
Consumer complaint received 08/22/2016 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have been trying for 2 months to payoff my mortgage which has a high rate, and I 'm retired. I have called Dovenmuehle consumer service dept. to complain on XXXX, XXXX, XXXX, and XXXX, each time doing exactly the required paperwork and sending it US mail, email, and their internal email. I am told each time that they have records of my calls, but not the written requests, and will not take phone requests. On XXXX, they finally put me through to a. Supervisor who told me he would personally guarantee that the payoff info would be sent out the next Monday.. It is now 10 days later, and no word. Today, their automated system would not even recognize my loan number. We told them in XXXX about our address change and repeated the new address on every phone call and written correspondence since. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been harassed by Navient callers for months. They do n't give me any options to pay them back because they are private loans. They call me 7 days a week from different area codes and they call and harass my mother all hours of the day as well because she was the co signer on my student loan. I did n't even get a good job with my degree I used student loans on. Every time I pay {$150.00} just for them to stop calling me for a month. I told them I just had a baby and did n't have any income at the time and the lady said " literally '' that it did n't matter and I had to pay. No remorse. My alarm in the morning is Navient calling my phone. They call me at work all day. It 's putting so much stress on my family and I do n't know what else to do. The {$150.00} I pay does n't even go towards my loans. Just to Navients pockets.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (DC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Failure to provide the address to which written disputes regarding underlying validity of the debt must be transmitted. Failure to provide accurate information regarding to which federal agency complaints could be lodged.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Debt collection (Auto) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: My motorcycle was stolen over 7 years ago and I obtained a police report, with which the debt was removed from my credit. It has now been placed for collection and has been placed on my credit again and they are consistently harassing me about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (Payday loan debt) with Access Financial LLC (MO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I have been getting constant calls at my place of employment by this company which had resulted in disciplinary action from my boss. They continue to call my workplace after my boss asked them repeatedly to stop. They have threatened my boss and coworkers with legal action if they did not relay messages to me about a debt.

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 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: To CFPB, After many attempts to correct this issue with XXXX XXXX  XXXX XXXX who seems to think that they can continue with this non sense reporting they are doing concerning a debt they say I owe, I DO NOT!!! 
We have repeatedly informed them that the information they are presenting to CFPB and us is inaccurate. They claim they purchased this debt from XXXX XXXX but they have yet to show any proof of such purchase, nor have they shown proof of my signature or a signed contract which by law I have a right to see. 
Further, they are in violation of Metro 2 and according to the FTC, showing copies of a balance or charge DOES NOT constitute the debt belongs to me. Therefore, after these many attempts to resolve this issue peacefully we have no choice but to turn this matter over to our attorneys who sue people like Portfolio every day, they have requested us to make this last effort to have Portfolio remove this non sense from my report, if they choose not to they will face fines including the following. 
We will sue in the amount of {$1000.00} per inquiry for my effort to resolve this matter, and {$1000.00} for this being on my report, attorneys fees and court cost which could total {$25000.00} Simply put, Im, suffering from XXXX have had enough of the games Portfolio is playing.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law dated XX/XX/XXXX any public record must include name and address as well as dob or SSN I 'm order for it to be included in your credit file. The credit bureau has not updated this information and per the new law true bankruptcy tax liens listed does not include this information thus the bankruptcy and tax lien should be taken off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: ComplaintMy wife and i filed for CH XXXX in XX/XX/XXXX, XXXX XXXX in Arizona. One of our creditors was " Citibank '' wherein we proposed to treat CitiBank 's claim, which was secured by a second deed of trust on our XXXX at XXXX XXXX XXXX XXXX. XXXX AZ XXXX that had a value of less than the amount owing on the first deed of trust, as an unsecured claim which would share pro rata with other unsecured claimants in a {$50000.00} dividend ( the " Dividend '' ). ( See Plan pages XXXX, and XXXX. ) As evidenced by the Certificate of Service on file in the case, the Plan was sent out to CitiBank and other creditors on XX/XX/XXXX. 
The Plan was approved and confirmed by the Bankruptcy Court on XX/XX/XXXX. A copy of the court 's Order is enclosed. 
Since the Plan 's confirmation, we have fully distributed to unsecured creditors, including CitiBank, all amounts required in the Plan ; and a final decree has been entered in the bankruptcy case. All of the Dividend payments have been accepted. In particular, a total of {$3600.00} has been paid to and accepted by CitiBank on account of its claim. 
Upon its confirmation, the Plan constituted a new contract with us and our creditors that superseded the old contracts. Section XXXX of the Plan provides that " the rights afforded under this Plan and the treatment of Claims under this Plan shall be in exchange for and in complete satisfaction, discharge and release of all Claims .... '' CitiBank received its Plan payments and no longer has any Claim against us and therefore must release its lien. 
We received " Notice of Final Decree and Order Closing Case XX/XX/XXXX. Since that date, we have written, phoned, faxed and mailed dozens of requests for CitiBank requesting to release its deed of trust against the Property, recorded on XX/XX/XXXX in the office of the XXXX County Recorder at number XXXX ( the " Deed of Trust '' ) ; but it has thus far failed to do so. Even our attorney has written, but to no avail. 
However, they refuse to take any action. We have an urgent issue necessitating the sale of this property immediately, but are unable to do so because of the lien Citibank refuses to remove. And now, we have received a letter asking for a " Voluntary " payment of $ XXXXin order to release the lien on the property. ( enclosed ) If unable to have this removed immediately, we will be totally financially destroyed after meeting all of our financial responsibilities under the Bankruptcy court requirements and obligations. 
Thank you for your Assistance, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I tried disputing this two years ago, this is also a duplicate of of another address with additional numbers on the address. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : 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 non-monetary relief
Consumer complaint received 08-09-2017 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (MA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Please allow this letter to serve as notice that the statements have been getting mailed to an incorrect mailing address, I have requested this change to be made several times. They 're 2 addresses to which statements have been sent, both are incorrect and as a result I have not been receiving the statements. I use my debit card from my bank to make payments. When I do this you ask me to verify the billing address that is on file with the bank associated with that bank account. I believe this may be the cause of your mistake.The recent late payments reported to my credit file are unfair as your company has failed to place the correct mailing address I have requested several times. Please correct my address to what it has been for the last 3 years ; XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX 's client XXXX XXXX is an identity theft victim. Someone used his information without his consent to to apply for a Target account ; the account was established and Target contact XXXX XXXX and he verbal confirmed the account was openedXX/XX/XXXX fraudulently. Target was then officially notified in writing of this fraudulent activityXX/XX/XXXX via certified mail with a return receipt of the dispute information. A credit report was obtained shortly after that dispute and Target was still listed as a negative account ; at that time the CFPB was notified CFPB complaint ; D FOR COMPLAINT SENT TO TARGET CREDIT CARD XXXX  XX/XX/XXXX ; however no communication from Target to our client was ever made. As of this morning a credit report from XXXX still lists this Target account on the credit reoiort, This is now a violation of the FCRA and my clients consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit decision / Underwriting

Complaint: My issue is the ongoing negative derogatory impact on my credit report, over and over again I have been denied credit loans and refinance options because my mortgage loan servicer is still reporting Qty : 19 Missed payments for BofA XXXX XXXX # XXXX, even though the Account was " Paid and Closed '' on XXXX 2012 ( 43 Months Ago ). An additional Qty : 7 Missed Payments are showing on BofA Loan XXXX # XXXX, where a home loan modification agreement was reached to get this account back to current/favorable status. Loan XXXX qualified and was " Paid and Closed '' on XXXX 2012 ( 43 Months Ago ), under the fraudulent loan provision of the National Mortgage Settlement, Which by law allowed me to claim tax exemption for the loan debt forgiveness under the Mortgage Forgiveness Debt Relief Act and seek credit repair for improper loan servicing practices. Loan XXXX was also renegotiated thru a loan Modification.

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 05-10-2017 about Debt collection (Other debt) with Southern Management Systems Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Southern Managemen t  XXXX   XXXX   XXXX   XXXX  FL  XXXX  (  XXXX  ) On  XXXX   XXXX     2016  They are reporting that I owed an apartment complex  (    XXXX     XXXX  )  XXXX  rent when I lived there. I have send them proof that I paid the complex rent and cleaned the apartment complex when I left but they are still reporting this to the credit bureau. I have contacted the apartment complex but they have been sold to a third party and have no record of me ever living there. This collection have affected me greatly because it stop me from getting other apartment in my name and affecting my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have disputed three medical debts with Transworld System that are according to my credit report, over five years old and reporting as collections accounts. These are the only collection accounts I have and wsnt them to be removed. The collection agency has not responded with validation, these are not my debts.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Once I was banking with Wells Fargo they intentionally over drawn my account to get there mortgage payment and charge a over draft fee. I called them to stop doing it they continue overdrawing my account every month. They said if it was not automati payment they can not accept the payment. 

It caused my other payment to come out of the account and overdraw my account and charge me a {$35.00} every single time. In one year XXXX dollars of fees.

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 10-06-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (MI).
Issue: Account opening, closing, or management

Complaint: This complaint very much concerns Chase Bank in Michigan XXXX XXXX XXXX XXXX. 
The investment account in question at J.P. Morgan Chase Bank is under the name ( s ) of XXXX XXXX born XXXX XXXX, XXXX, XXXX XXXX XXXX born XXXX XXXX, XXXX XXXX plus XXXX XXXX born XXXX XXXX, XXXX. The initial owner of the account illegally allowed the investments labeled as belonging to XXXX XXXX XXXX XXXX, XXXX to be placed in the account. The account owner did not have the consent of XXXX XXXX nor was the account owner guardian over XXXX XXXX investment assets but still manage to have the bank place XXXX XXXX assets in the account. Chase do not possess any documents legally authorizing XXXX XXXX assets being legally placed in the account in question however, Chase is refusing to address that condition. Chase Bank have refused to turn XXXX XXXX assets over to him or as much as acknowledge the account exist being the account is not in XXXX XXXX name. 
Chase Bank have in action without acknowledgement invoked the account confidentiality of XXXX United States XXXX XXXX. In doing so Chase Bank is facilitating the illegal act of fraudulently holding the owner XXXX XXXX assets in the account in question. 
The initial illegal act was committed under the bank named XXXX which was thereafter purchased by Bank XXXX which was purchased by Chase Bank. On theinitial owner of the account death control of the account was by way of will given to the above owners in the period of XXXX still possessing the assets of XXXX XXXX. 
In attempt to prevent necessity of taking complaint of this fraudulent act to FBI XXXX XXXX now bring the Complaint to Chase Bank in its proper light. Surely the illegality of the condition transcend account confidentiality where XXXX XXXX is at issue. 
Very sincere, XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX TV charge me XXXX for early termination, made arrangement with XXXX rep to pay XXXX monthly until paid off. Made first payment. Few weeks later I checked my credit report online, I noted the not only was I reported to the credit bureau but also acct sent to collections. I paid the whole amt. in full, soon afterword 's I complained to both collecting agencies and XXXX XXXX about the arrangement made with there rep. I was told to check my email in few days and I would be receiving a letter of correction and copies would be send to all credit bureaus to correct the reports. Before that I had a XXXX plus score. The derogatory info damage my credit making my score to dope below XXXX. I have yet to receive any letter ( s ) from any of the parties involved and have call numerous times to get this resolved by contacting XXXX XXXX, collecting agency and the Credit agencies, all they do is point the finger at one another. Do n't really know what else I can do to resolve this issue. Please help ... ... ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I had worked it out and based on my income ( {$0.00} currently unemployed ) I did n't have any payment but suddenly that changed even though I complied with everything I was told to do

Company response to consumer: Closed with explanation