milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2016 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2016, I deposited XXXX checks totaling more than {$15000.00} in an ATM machine at a PNC branch during business hours. The checks jammed. The PNC employees were able to retrieve the checks and they sent them in to be processed. They filed a " dispute '' report even though it was their fault. A few weeks later they issued a provisional credit that was {$5.00} less than the amount that was originally supposed to be deposited to my account while they investigated. I noticed that the original checks had cleared but that they were not in my checking account. Note : XXXX of the checks was drawn from PNC (! ). XXXX would think it would be easy to trace for PNC. I received a letter saying to send copies of the cancelled checks in to PNC. I sent them by certified mail to the address that they mentioned in the letter and received the US Postal confirmation to show that PNC received them. I received a letter dated XXXX XXXX, 2016 saying they would be withdrawing the provisional credit on XXXX XXXX, 2016 and that they had found no errors. I went to my local bank branch to complain about this. The PNC employee that I spoke with, sent copies of the cancelled checks and receipt from US Postal Service into the PNC XXXX XXXX. She said that she could not prevent the bank from taking out the provisional credit out of my account right away. It would take several days. My husband had to write a check to prevent any checks from bouncing since we would be leaving for XXXX in a couple days. Finally, on XXXX/XXXX/16 the provisional credit was issued to my account for the full amount. But as of today, XXXX/XXXX/16, they are still investigating it and the checks have not been deposited. I received a letter from PNC dated XXXX/XXXX/16 stating that they need copies of the cancelled checks. If they do n't received them by XXXX/XXXX/16, they will " base our decision on the information available ''. I take this to mean they will reverse the provisional credit again. 
I told the PNC employee at my local branch on yesterday XXXX XXXX/XXXX/16 XXXX and she recent the cancelled checks once again.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (ME).
Issue: Loan servicing, payments, escrow account

Complaint: I would like to File for restitution with the Courts in the State of Maine a Complaint agains t OneMain Financial, CitiFinancial for Damages due to Dual Tracking & Misled  me in Deferring my Loan I recieved improper letters of Request by attempting to FORECLOSE ON MY HOME .I WAS PAYING A  11.75 R ATE I ASKED FOR HELP, my late husband lost his job after 30 years at a local   XXXX   XXXX   .We only wanted to keep our HOME,.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In the middle of XX/XX/XXXX I tried to apply for a home mortgage and was notified that I had this collection account reporting on two of my credit reports. XXXX and XXXX. I sent XXXX XXXX XXXX two validation letters and they did not respond to the 1st or 2nd letter. 

The first dispute letter I sent out on XX/XX/XXXX ( I have attached a certified mail receipt ) They received the letter on XX/XX/XXXX. Instead of them validating this debt they sent me a collection letter dated XX/XX/XXXX. ( I have attached the letter they sent me ). They did not stop collection activity until they validated the debt. Which is a voliation of the FDCPA. 

I sent the 2nd validation letter on XX/XX/XXXX and still I have yet to receive a validation of this debt XXXX XXXX XXXX. I did dispute with XXXX and XXXX, XXXX deleted the Debt ( I have attached the copy of the result ) XXXX said verified. How is this when XXXX XXXX XXXX  didn't validate the Debt with me. They have show their blatant voilation of the FDCPA by not validate this debt with 100 % verifible proof of this debt. 

Please please please help me in this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have been trying to obtain a copy of my credit report for years to no avail. They ask you a list of questions, and if they have the incorrect information, they deny you a credit report. The information that they have is incorrect and I know why it is incorrect. The problem is that even if the information is incorrect, there is no one to speak to about it. When you call, you receive an automated voice message telling you to send personal information through the mail. I was just ripped off by the postal service last year. Out of XXXX boxes, the only XXXX that were missing were the insured boxes. They stole XXXX books that were supposedly insured. When I submitted a claim for them, I was denied any compensation, nor did I ever recover any of my books. I was not even compensated for over XXXX dollars in postage. And they want me to send my personal information to them through the mail! I would like the free copy of my credit report that I am told I am entitled to. How can I dispute anything on the report if I ca n't even see the report? The whole process is asinine.

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 Bank account or service (Savings account) with WELLS FARGO & COMPANY (AZ).
Issue: Account opening, closing, or management

Complaint: I have a Health Savings Account serviced by Wells Fargo , N.A . When I opened the account, the service fee was {$2.00} per month. They changed the fee to {$3.00} per month since then. I can not close out the account because it would cost me a 10 % tax penalty. WF knows they can steal {$3.00} from me and there is nothing I can do about 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 monetary relief
Consumer complaint received 10/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I called to make a payment and was informed that I would be charged a late fee as it was already past XXXX XXXX time. It was XXXX XXXX, I am on the west coast and I did not know this from my previous issue. 

Back in XXXX, I made a payment via the mobile app and it was deducted from my bank account but never credited on the account. Thus I was charged a late fee at the time. After seeing that and calling to provide proof of payment the charge was reversed as Chase rep stated they were having issues with their mobile app. The rep told me I could call up to XXXX on the due date and have the payment made over the phone without a late fee. He never stated this only applied to XXXX time. I was under this understanding so I believe Chase holding me accountable for their mobile application issues to be unfair and the rep to be misleading me about payments.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/2016, XXXX of XXXX, NJ sold my mortgage to XXXX.. XX/XX/XXXX, I paid my mortgage payment to XXXX as instructed. XX/XX/XXXX, XXXX reported that our mortgage was 30 days delinquent for the XX/XX/XXXX payment which was paid to XXXX and posted on XX/XX/2016. Because of this, mine and my wifes ' FICO scores have dropped dramatically. We have never been delinquent. XXXX has not agreed to correct this despite our written complaints to them ( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Struggling to pay mortgage

Complaint: After being denied Modification, I decided to do some investigation on my own. XXXX XXXX   states that they are not the owner as being claimed by Mr. Cooper/ Nationstar Mortgage. MY Forensic Document Examiner found several discrepancies and states in his preliminary report : " I have investigated the Trust as registered with the Security Exchange Commission ( SEC ) for the property 's loan number XXXX and zip code XXXX and found no match for either of those queries within the Trust. Recognizing that " XXXX '' stands for XXXX XXXX XXXX XXXX XXXX and the " XXXX '' stands for XXXX XXXX XXXX, I ran queries in all filings under XXXX for 2005 and discovered numerous zip code matches but no loan number matches. Further, I researched the MERS data base under both of the borrower 's names and SSN for MIN number XXXX and received a " No Match ' reply for the investor. Therefore, there is no evidence that this loan was secured under the alleged Trust or who the true beneficiary really is. '' After several written communication with XXXX XXXX, it is and has been unclear as to : i ) who is the current holder in due course and owner of the original mortgage note ; ii ) who is the current Trustee and how they became Trustee ; iii ) who is the current Beneficiary and how they became Beneficiary ; iv ) how the alleged loan was funded and by whom ; v ) whether money was laundered by the purported funders to fund terrorists activities ; vi ) where the funds to finance the alleged loan were obtained from ; vi ) who the funds to finance the alleged loan were obtained from. 

I am requesting that Mr. Cooper resolve this uncertainty and dispute by providing me with the following information with evidence that they have authority to foreclose on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (TN).
Issue: Account opening, closing, or management

Complaint: Can not login to my Citi Bank Credit card account. I receive the following error Displayed on my PC screen ; An error occurred during a connection to online.citi.com. SSL received a record with an incorrect Message Authentication Code. ( Error code : ssl_error_bad_mac_read ) The page you are trying to view can not be shown because the authenticity of the received data could not be verified. 
Please contact the website owners to inform them of this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I disputed a zero balance collection from Credit Protection, XXXX XXXX XXXX, XXXX TX XXXX. The debt was paid in XXXX of XXXX. I sent letters to ask for removal and received no response. I then disputed the amount with XXXX. When XXXX intervened, Credit Protection reported/updated my account as a new collection as of XXXX, resulting in a XXXX point decrease in my credit score. Even though the balance is {$0.00}, the incorrect date of last activity severely damaged my credit score. XXXX is also disputing on my account. The confirmation 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 explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I purchased an auto through XXXX XXXX XXXX XXXX. They also required me to send them the title showing they were first lienholder on the auto. I got sick had to move to a rehab facility and put all my furniture and paperwork in a storage facility. It was there for over 3 years. They never received it. They sent me a letter stating since I could not provide the Title to them. They were going to change my loan status to a consumer loan and charged me more interest, Which is what they did. I would like you to challenge XXXX XXXX and have them show you proof of title and proof of being first lien holder on the auto. They are presently showing a charge off on my credit report for an unpaid auto loan. Which is presently prohibiting me from refinancing my present car.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit card () with NETSPEND CORPORATION (IA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have a netspend card. It had a balance of XXXX. I signed up for a trader online with XXXX. It never appeared on the trader website, but went o a firm called XXXX XXXX, whom I tried to reach by email and phone with no luck. I think they are scammers. I contacted netspend, but I did n't have much luck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (ID).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Asset Acceptnce, LLC has re-aged the debt on several accounts they hold in my name. They are reporting in accurate earliest delinquency information to the credit agencies.I have sent letters to them to verify the debt and to send me confirmation of the first delinquency date. They failed to do that and sent me only a letter saying they will note my account as disputed. Each of the debts they hold was first delinquent in 2009. They are all scheduled to fall off my credit files this year after the 71/2 time frame elapses. The re-aging of debt is illegal and Asset Acceptance , LLC is doing this to purposely scar my credit beyond the 7/12 year limit. The accounts as of now that I am referring are : XXXX : # XXXX XXXX XXXX # XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX   XXXX   XXXX  has been trying to collect from me on an old windsteam bill from   XXXX  . I have continually disputed this account but it keeps popping up on my credit report. I have spoken to them and all they tell me is to make a payment to which I have repeated stated " this is not my bill '' but they refuse to stop reporting it on my credit report. I do n't know what else to do. I feel that they are abusing the fair debt collection practices act

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Mortgage (Conventional fixed mortgage) with TD BANK US HOLDING COMPANY (ME).
Issue: Credit decision / Underwriting

Complaint: ATTACHING THE WRITTEN COMPLAINT AS SUBMITTED TO THE STATE OF XXXX DEPT OF PROFESSIONAL AND FINANCIAL REGULATION. WE WERE INFORMED THAT BECAUSE TD BANK IS A FEDERAL BANK, THEY DO NOT HANDLE THIS AND REFERRED US TO YOU. XXXX XXXX MANAGER OF TD BANK, XXXX XXXX ASSURED ME THE LOCK IN RATE WOULD BE REBATED TO US, BUT TO DATE, NO CHECK AND UNABLE TO FIND OUT HOW TO CONTACT XXXX XXXX THE MANAGER OF MORTGAGES IN THE MAIN OFFICE IN XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Loan servicing, payments, escrow account

Complaint: My account number with Wells Fargo is XXXX. 
I do believe that XXXX XXXX has caused my account to become delinquent. This started with the XXXX payment of this year. I am enclosing a payment history file to show this fact. Payments I was told to make to bring the account up to date were put into my Chapter XXXX program. Not Fair that is why I have put this file together.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Unsolicited issuance of credit card

Complaint: I went to Macy 's Department Store to purchase sunglasses. I rarely go to Macy 's and I did n't have my Macy 's card so the cashier looked up account by asking for my social security number, if I recall correctly. I was able to make the purchase and also some cosmetics. I made payments using my XXXX XXXX Bill Pay. 

Later I recieved a bill with multiple fees and was recieving multiple calls urging me to contact them regarding my account. When I called they said my payment went to the wrong payee, my Macy 's card, and they would arrange to credit the payment to the new American Express account. I told them I never applied for a Macy 's American Express card, and realized the cashier must have opened the account. 
The customer service person stated they would reverse all fees and transfer the payment to the American Express account. 

I requested the original purchase details and amounts and questioned the balance, after fees were reversed, minus my payments. The representative agreed to correct the balance due amount to reflect the amount I calculated. I decided to pay off this balance in full and resolved not to shop at Macy 's because I do not trust their billing practices. 
I continued to recieve calls and billing statements. I called to clarify my bill, stating that I paid it in full. The customer service person reassured me that my account was indeed paid in full. 
Still I continue to recieve multiple calls per day from 'Macy 's ', and statements that show mysterious fees and 'purchases '. 

I do not want to call again because I am afraid it 's a scam. 

Should I go to a Macy 's store to speak with a manager? I think they may just refer me to the electronic or phone billing department, which is not trustworthy, in my opinion. Also I need to address the fact that they opened an American Express credit card without my knowledge. They sent me the card after the fact. I have not used this card, but keep it to resolve what I believed was a purchase on my Macy 's card for the original purchase of sunglasses and cosmetics only. 
Kindly help me resolve this problem with mysterious fees and charges mounting on this Macy 's American Express account. I can provide amounts and dates if requested. I have a file with the bills and notes on phone conversations.

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 monetary relief
Consumer complaint received 10/17/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Company is attempting to collect a debt for a medical bill that was taken care of via insurance. This company is reporting to my credit as SYNDICATED OFFICE SYSTEMS and as CENTRAL FINANCIAL CONTROL on my credit report for the same debt. I have attempted to validate the debt and their office keeps sending me partial documents and completely avoiding my request. The documents that were signed with the hospital, but nothing with any reference to their company. The documents that they are sending to " validate the debt '' is missing pages. I am to believe that I am supposed to receive all pertinent information regarding the account and they are REFUSING to provide what I am asking for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Quality Loan Service Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Quality Loan Service Corporation 's LIE is EXPOSED ... stealing our home in broad daylight - a FEDERAL CRIME! Please find attached. 

Thank you for your urgent help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I filed some disputes with Equifax XX/XX/2015 and since then Equifax has locked me out of obtaining my credit report. Everytime attempt to pull my report with either a credit monitoring agency or a creditor, Equifax renews a 90 hold on my credit file and notifies XXXX and XXXX to have them place holds on my credit report as well. It seems that the XXXX agencies are trying to punish me for filing disputed with them. I have called numerous times and written to Equifax requesting that this hold be lifted.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
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: checking annual credit reports. Equifax has a negative report ( of {$76.00} ) submitted by XXXX from XXXX. However, XXXX & XXXX do n't have this negative report. 
Went to website https : //www.ai.equifax.com to try to submit a dispute claim. However, the website *does not work*. ( using XXXX on a XXXX XXXX computer ) I 'm stuck & not sure what do to at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: I received {$1800.00} from my Granddaughter through a " quick-pay '' transaction since we XXXX have Chase accounts. Once I got the money, I did a " quick-pay '' transaction back to her account utilizing her phone number as an account destination. The phone number that I used sent her transfer to a XXXX XXXX account that does not exist. My granddaughter has not had a account with XXXX XXXX for thee years. I opened a claim with Chase and they credit my account back {$1800.00}, while they did research. I went into the bank to physically put the money into my Granddaughter 's account. On XXXX XXXX, 2015 Chase did a reverse credit to my account for {$1800.00} with the explaination that XXXX XXXX never responded to them. Chase say they transferred it, and XXXX XXXX say they never got it. But I 'm left with negative {$1600.00} in my account.

Company response to consumer: Closed with explanation