milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-08-2017 about Debt collection (Medical debt) with HOVG, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been harassed for the last 6 months by  XXXX   XXXX   XXXX   ,   XXXX . Unfortunately, I needed to have   XXXX    XXXX   XXXX  last  XXXX . When I got the initial bill, prior to my insurance making their payment, I knew that they would not cover everything, so I started paying {$10.00} each month. Once the bill was finally settled with my insurance, I upped that amount to {$20.00} monthly as that is all I can afford, especially with all the other medical payments I 'm making around this issue, hospital,  XXXX , etc. I was surprised and infuriated when I was put into COLLECTION despite making regular payments ( I have documentation from my bank, which I shared with them ). I told them I would continue making those payments, and that was at least for the moment fine with them. Subsequent to that, I 've been contacted b y a Bay Area colle ction agency and  XXXX  other collection agencies. Each time I tell them I know my rights and as long a s I con tinue to make regular payments, I 'm neither in default or delinquent. Today, I called them to advise them that I was going to file a complaint with you and one person told me that my account had been pulled and would n't be in collection and that it showed a  XXXX  balance. I asked for documentation to be submitted to me in writing, was put on hold and disconnected. I waited as I had given her my contact information in case of such an event, yet no call came. I called back, and the next person I spoke to told me an entirely different story. That my payments were not sufficient, and that I was in collection and they had tried to contact m e ( I had also told them earlier that the best way to reach me was through email, and they did once, but never again ).    I am now turning to you for help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I XXXX XXXX with This letter is to complaint about a problem I am having with PNC Mortgage loan # XXXX, I am complaining because they been foreclosure on me since XXXX/XXXX/XXXX width paper work from a mortgage paper work from XXXX/XXXX/XXXX, I complaint and say they used the wrong documents but no one does anything to help me on this wrongful foreclosure because I modified my mortgage on XXXX/XXXX/XXXX and on this loan they commit violations of TILA I have already attempted to resolve this problem by contact them by phone and in written. I have enclosed copies of my records. Include copies of their letters and other relevant documents with dates and Balance Discrepancy 's. Unfortunately, the problem remains unresolved I am hereby requesting that you CFPB please help me with this Bank PNC to repair and fix this foreclosure and I Insist Pursuant to TILA, 15 U.S.C. 1635 and Regulation Z, 12 C.F.R. 226.23, on changes to the release document such that you PNC MORTGAGE are not able to claim the note and mortgage because they are void, invalid, non-negotiable, Pursuant to TILA and Regulation Z, you have twenty days after receipt of this Notice of Rescission to return all monies paid and to take action necessary and appropriate to terminate the security interest. Please be advised that the mortgage is automatically voided by operation of law upon rescission under 15 U.S.C. 1635 ( b ). and for you CFPB to help me to get this to the respect Parties to send demand letters to for errors and omissions and malpractice and find this bank guilty of the damage they have caused me, I have been struggling with my case for XXXX trying to negotiate a loan modification but this Bank PNC ignore my request for two years I am not asking to give me a free house I am asking you for justice for me as well as for other citizens, These bank continue to take advantage of the clients and home owners, mock the laws with fraud and false statements false documents and here I have evidence on XXXX/XXXX/XXXX my house was on for foreclosure sale that I stop filing for bankruptcy protection even after I send them the rescission notice, all I want is justice and a loan modification and the adjust price of my home that is under water Thank you for your anticipated assistance in resolving my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Bank account or service (Checking account) with SYNCHRONY FINANCIAL (CA).
Issue: Account opening, closing, or management

Complaint: I opened the new bank account with Synchrony Bank and they let me make deposits into the account with no issues but when I wanted to access to my fund they just held my money hostaged for no solid reasons. The Supervisors and Manager of the bank kept promising to return my money the next day and then next day and then next day .... Almost two months passed by, they still did not return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing disputes

Complaint: Issues regarding Citibank credit card and autopay as they continue to withdraw money every month out of my checking account to an unknown account they can not locate. Initially they told me I can not remove my name from account as an authorized user and Since I was an authorized user, they are unable to assist me in finding or removing this auto pay. Money continues to come out of my checking to date. I am going to have to close my long standing checking account to fix this mess of unauthorized charges

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing disputes

Complaint: I purchased a drone from XXXX on XX/XX/2017 using by AMEX Blue Cash Everyday card for {$1000.00}. On XX/XX/2017, I returned this item bought back to the merchant. A prepaid return label was provided to me by the merchant, XXXX. Using the prepaid return label provided, I dropped the item off on XX/XX/2017 at an XXXX store in XXXX, CA. Starting XX/XX/2017, there has been no movement/update of this shipment. Contact was made with XXXX to gain more information in regards to this return shipment to no success. XXXX refused to cooperate in an investigation into this missing package. Furthermore, the merchant also refused to cooperate with this return shipment. As of present day, the returned shipment mailed back under XXXX tracking # XXXX has had no updates/movements. In any case, I do not retain possession of this item anymore. The item was handed off to the shipping carrier, XXXX, using a return label provided by the merchant. Furthermore, a missing package criminal investigation has been started with both the XXXX Sheriff 's Department and my local city police department. This is the absolute most I could do in this situation as I returned this package to the merchant in my maximum capabilities. There is absolutely nothing more that I could 've done in this situation. I have no control over the shipping carrier 's warehouses or other operations. Multiple disputes have been filed with AMEX against the merchant as no one is willing to cooperate in this matter. I expect a full refund in this as I fulfilled my maximum duties in returning this item back to the merchant. As previously mentioned, there is absolutely nothing I could 've done better to ensure the safe delivery of this returned merchandise. As this now pertains to a lost package, it should be the responsibility of either XXXX or XXXX, or both. The merchant, XXXX, paid for my return shipment which resolves me of any liability of this package. I do not retain any control over this shipment as I was not the party paying for the shipping cost. Having said that, I expect a full refund of {$1000.00} out of this as I went above and beyond, contacting the merchant, the shipping carrier as well as law enforcement in regards to this shipment. Furthermore, I do not possess this item anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX has a collection against ( {$580.00} ) me but I have never had a XXXX XXXX account. It states the account was opened in XX/XX/XXXX, closed in XX/XX/XXXX, and went to collections in XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (MD).
Issue: Unauthorized transactions/trans. issues

Complaint: Hello i have a rushcard my money was deposit into my account unable to retrieve my funds rushcard said that it will be up and running but i keep calling ca n't get threw ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The account has been paid in full but not removed from my credit report in Georgia.

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 01/13/2017 about Debt collection (Non-federal student loan) with TRANSWORLD SYSTEMS INC (IL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Transworld continues to send the XXXX student loans to collection agencies even after I was able to get the loans deleted from my credit reports. Transworld has sent the loans to XXXX different collection agencies to get me to pay it, I never signed any agreements with XXXX XXXX XXXX or Transworld. The only documents that were sent had XXXX XXXX XXXX on it not XXXX XXXX XXXX. XXXX XXXX XXXX must show proof they own the debt and ca n't just claim they do. I already spoke with a FDCPA attorney on this and XXXX XXXX XXXX must have proof they have the rights to collect on those loans, it is not enough to send promissory notes that I signed with another company and claim that you own them without any proof. XXXX XXXX states they no longer own the debts and XXXX XXXX XXXX should have sent documentation to me that they purchased the loans and have the rights to collect on them. My mother received calls about these loans even though her name is not on them, they told her they were looking for me. Even though that was not a number to reach me and they knew this. I do not want any more collection letters on these loans. I just had XXXX XXXX call me today on these loans but XXXX had the loans about two weeks ago. Transworld needs to leave me alone. I do not owe XXXX XXXX XXXX anything because I never received proof they have the right to collect on the loans because NCT is a trust not a company and per state law they have to follow trust regulations which they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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: XXXX XXXX XXXX sent out a 30 day late notice, the only one in many accounts because a dormant account had an annual fee placed on it without notification. And it was not paid until the next bill was sent out.

Experian investigated and did not do a thing because technically I was 30 days late from when they wanted it paid even though I was not notified because it was a dormant account. Also, my credit limited was reinstated and the late fee removed but this was not reflected on the credit report either.

I currently owe XXXX and in fact XXXX XXXX XXXX  is late sending me a check for an over 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 08/13/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX, I submitted a complaint about Nationstar to the CFPB because Nationstar increased my PMI and monthly impound payments by almost {$300.00} per month and could not explain it. They sent erroneous impound statements and could not explain them. The CFPB case number was XXXX ( their XX/XX/XXXX response is in that file, so you already have all the documentation needed ). Nationstar finally responded on XX/XX/XXXX. THANK YOU CFPB! Your presence gave them a reason to care that they actually DID overcharge me by OVER {$2500.00} per year for FHAMIP. However, during the waiting period for them to respond, I kept trying to figure out HOW my impound was short and why I would be forced to pay the escrow " cushion '' since we had JUST REFINANCED with PLENTY of impound money. What I discovered was that they paid {$1400.00} XXXX for my annual homeowners/hazard insurance. I called and was on the phone for XXXX hours on a XXXX call with Nationstar and my insurance company because they could not explain why the escrow statements showed it paid XXXX. Nationstar paid it once in XXXX, then once in XXXX ; however, my insurance company, XXXX, only showed it paid once in XXXX. We learned that Nationstar sent the XXXX payment to some semi-related insurance company in Florida. Then we got on a XXXX call with the Florida insurance company and got the refund check processing started. So the WHAT IS THE NEW COMPLAINT? Nationstar 's XX/XX/XXXX CFPB response adjusted for the incorrect FHAMIP, but they are still charging me a higher monthly payment for a " cushion '' because they think I will be short by {$1000.00} in XX/XX/XXXX when the next insurance premium is due. They over paid my insurance by {$1400.00} and did not account for it in their response or calculations, and now I am somehow short by {$1000.00}??? Coincidence? I think not. PLEASE get them to FIX their mistake and stop overcharging me because THEY CAN NOT DO THEIR JOBS!!! This is nuts! Who else are they doing this to?

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Checking or savings account (Checking account) with VALLEY NATIONAL BANCORP (NY).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On XX/XX/2018 I applied for a checking account with XXXX XXXX XXXX   online. On XX/XX/XXXX, the account was opened. I applied to open up an online account, but it wasn't opened for a week. I called on XX/XX/XXXX when I was told I needed to verify my identity with a letter. I faxed over the letter on XX/XX/XXXX and was told my account would be opened as soon as they received the letter. It was verified that the fax was received by Valley. However, on XX/XX/XXXX and XXXX, the bank told me that my account would be opened the next day. Without an online account, you can't see recent transactions or transfer money or anything. On XX/XX/XXXX, it still wasn't opened. I called and they said it was because my signature didn't EXACTLY match the signature on my license. However, it did. I believe that Valley is preventing me from opening my online account so they don't have to credit me the {$150.00} that I would have gotten if my online account was opened within the first month of opening the account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: I submitted a reinvestigation dispute for 2 accts that are still showing on my Experian credit report XXXX and XXXX XXXX XXXX I spoke with supervisors at both those companies and they agreed to delete these 2 accts from all 3 reporting agencies they 've been deleted from both XXXX and XXXX  already as promised but Experian fails to take them off

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 01/22/2017 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Inquiring are there any options after charge off credit card debt XXXX ( approximately XXXX and XXXX years old ) I am still truing to check my records for statements and receipts. The debt is being disputed once Calvary SPV LLC transferred to a DEBT Collection Attorney are there options to resolve without Court Action by the XXXX and XXXX? Less than 6 months after settlement offer Calvary SPV LLC. transferred or sold charge off to an Debt Collection Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I submitted a dispute with Experian regarding information on my credit report that they were reporting that was very concerning to me on XXXX XXXX, 2015. Experian responded to my dispute stating that they believed they had received a suspicious request and would not be investigating the information I was disputing. I sent Experian another dispute on XXXX XXXX, 2015 via fax as I received their fax number from a representative over the phone and also sent them a copy of their response and all of the documents they needed to update my credit file. They have not responded and it has been over 45 days since my dispute was submitted to their company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: It is XXXX XXXX, 2016 and I have still not received my free annual credit report that I ordered by phone the evening of XXXX XXXX, 2016. How can I find out whether the report was sent or not?

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Debt collection (Other debt) with AllianceOne Recievables Management (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This case has reference to earlier case/complaint agains XXXX XXXX XXXX XXXX XXXX XXXX per # XXXX. Now apparently, XXXX has transferred case to another collection company " XXXX XXXX XXXX XXXX XXXX XXXX. Although XXXX XXXX has termed the case as 'in dispute ' but XXXX by transferring the case to another collection company forces me to undergo avoidable harassment and inconvenience. Thanks a lot for stepping in to help as always. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I disputed XXXX items under the XXXX law. All disputes were notorized and sent certified mail over a four month period. I never received copies of the original applications to these accounts as the bureau is suppose to have on file, and said items are still on my report against the law.

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 09/25/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have had this XXXX back in 2008 first the account has been closed over nine years ago and they still report it as an open account I am attaching my report, second since this is over 8 years closed this should be taken of my report compeletly

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My name is  XXXX   XXXX   XXXX  not  XXXX   XXXX   XXXX , or  XXXX   XXXX  and my address is   XXXX   XXXX   XXXX    XXXX   XXXX  Md  XXXX  not  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   KY  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX     XXXX   XXXX   XXXX    XXXX   XXXX   KY  XXXX ,  XXXX   XXXX    XXXX      XXXX   XXXX   KY  XXXX   XXXX   XXXX    XXXX   XXXX     XXXX   XXXX   KY  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   Ky  XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   KY  XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX    XXXX    XXXX   XXXX    XXXX   XXXX   XXXX    XXXX . Also my phone number is  XXXX  not  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 12-07-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I got a notice from my current mortgage servicer, XXXX XXXX XXXX, that they sold off my mortgage to a new servicer called Carrington Mortgage Services. I know that by law the new servicer is supposed to notify me in writing 15 days before the transfer and it is now 5 days after the transfer and I still have n't received any communication from them whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Credit card debt) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NC).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: The company called me at my work place after asking them not to on XX/XX/XXXX.Once they finally stopped they called my fianc leaving her messages on both XX/XX/XXXX and XX/XX/XXXX which she has on her phone stating  the debt that I had with them, saying that they did n't want to stay until XXXX XXXX XXXX XXXX and I had to call them back before that time. They even said they were a debt collector on her voicemail. I have told them that I was facing financial difficulties and I am working to get payment to them as soon as I can. I feel at this point that I am being harassed by them.

Company response to consumer: Closed with explanation