milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/17/2017 about Credit card () with CITIZENS FINANCIAL GROUP, INC. (RI).
Issue: Customer service / Customer relations

Complaint: XX/XX/XXXX we had an engagement party on our daughter. I called Citizens Bank 2 days before to be sure my Mastercard credit card was all set to use. There was a {$60.00} balance on it. They told me it was all set. When we went to use it at the end of the party we were told it was declined. The whole situation was totally embarassing. On Monday i went into Citizens Bank in XXXX, RI. They reported the instance and assigned a case number. Months went by and no one got back to me. I called a couple of months ago and that call prompted them to look into it. They called it human error. Evidently, when I called to be sure the card was fine we got talking about a better card which may carry points. Well because of the conversation they closed my current credit card and reissued a new one which i received in the mail 10 days later. They never told me they were closing my present credit card. Also when I went into Citizens Bank on that Monday the representative there told me a person can carry as many as XXXX Citizens Bank credit cards. We have had a credit card with Citizens Bank since 1972. This is all recorded and they are calling it human error and for them that is the end of it. Well for me it is not ; we were totally embarrassed in front of the family members and new family members. Everyone new there was a problem with payment. You can explain all you want but you know they are looking at you saying " Yea Right. ''

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (NC).
Issue: Application, originator, mortgage broker

Complaint: To Whom It May Concern, I recently applied for a home equity loan with PNC Bank for the amount of {$25000.00}. My initial loan estimate indicated that the estimated payment would be {$510.00}. 

The assessed value of the property per PNC 's assessor was {$530000.00} ( though I note that the assessor did not account for XXXX square feet of livable space ). My current mortgage balance is {$380000.00}. 

On XXXX XXXX, the underwriter issued the following request via email : '' Homeowners insurance dwelling coverage is insufficient. Will need dwelling coverage increased to cover total liens {$400000.00}. " This request is the reason I am filing the complaint. Homeowner 's insurance covers the value of the dwelling ( which per my homeowner 's insurance policy is ~ {$250000.00} ), not the value of the outstanding loan. The figure the underwriter wants to cover through my homeowner 's insurance is the outstanding balance on my mortgage ( {$380000.00} ) plus the value of the loan for which I applied ( {$25000.00} ). What the underwriter seems to be requesting, then, is something equivalent to Personal Mortgage Insurance ( PMI ). 

Even with the low assessment value on the property, the sum of my mortgage and the loan for which I applied would result in a loan-to-value ratio of XXXX %. Banks are required to drop PMI once the loan-to-value ratio reaches XXXX %. 

There are XXXX specific concerns here that I would like to bring to the attention in light of the above summary. 
1 ) The underwriter is asking for one type of insurance ( PMI ) that according to the rules is not allowed. As such, s/he would seem to be asking me to provide that insurance through my homeowner 's insurance. This is either an instance of gross incompetence ( i.e. confusing homeowner 's insurance with PMI ) or an attempt to skirt an existing regulation regarding PMI and, therefore, asking me to shoulder a cost that is not required vis. my loan-to-value ratio. 
2 ) The second concern is that the requested additional coverage would result in a significantly higher cost than was provided in my loan estimate. This expectation was not disclosed in my loan estimate and, as such, this request constitutes a violation of the Truth in Lending Act that obligates PNC to inform me of all expected costs. 

I have written documentation of all facts mentioned above that I am happy to forward to you. Should you require them, please do not hesitate to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing/Cancelling account

Complaint: I have a Capital One Visa card, to which I have several automatic payments attached. Within the last couple years, I had to close the account ( get a new account number ) once when my son lost his card and then again when Capital One changed to chip cards. Changing account numbers is a real hassle for the consumer who has payments tied to the card. 

Several times the fraud department has declined transactions, even though they were n't fraudulent. Typically, I could respond to a text or email and retry the transaction, but this is n't very convenient if others are waiting in line behind you at a store ( especially at a grocery store checkout, for example ). 

Yesterday was the last straw with me. I received a call from the fraud department regarding some small charges, none of which were fraudulent. In fact, one of the charges they asked me about was a regular monthly charge that has appeared on my account for over a year. Apparently, their computer program " suspected '' that there was a fraud problem, and they insisted on closing the account. I spoke with a supervisor in the fraud department and told her that I did n't want my account number changed yet again, especially since it was a chip card ( supposedly more secure ) and there were no fraudulent charges. She just gave me the spiel about the computer suspecting something and insisted on closing the account. I asked to speak with her boss, and she told me she does n't report to anyone, which I find very hard to believe. So I told her I 'm done with Capital One. Apparently, they do n't care about losing business. 

Questions : Can they close my account against my will even though there were n't any fraudulent charges? Are there any credit card issuers whose fraud departments are more reasonable to deal with?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Transunion File # XXXX Date XX/XX/XXXX Address Reported on my credit file how does Transunion have me at 3 address in the same year of XX/XX/XXXX living XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and in error I was living in XXXX XXXX the whole year working for XXXX XXXX as an XXXX I see so many errors by Transunion as if the information is created and just put on some one credit report with any proof or documentation from Transunion

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 09-11-2015 about Payday loan () with Acceptance Solutions Group, INC (OH).
Issue: Can't contact lender

Complaint: I owe Ohio Acceptance Solutions Group money from a payday loan that I received from them. Due to unforeseen circumstances, I am unable to make my payments at this time and have been willing to set up an arrangement with them. I have emailed them at least 15 times asking them to stop calling me at work because it puts my job in jeopardy. They continue to call and hang up. They are calling from XXXX. If you call that number back, it is them. I need these calls to stop!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
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: My name is XXXX XXXX and i am filing this complaint against XXXX XXXX and XXXX credit report agencies who failed to investigate a late payment that was reported by XXXX XXXX in XXXX, with the account # XXXX under the FCRA experian is required to verify all information received from creditor before that information is added to a consumer file. but XXXX failed to do so on my case since XXXX and never sent me in writing a prove of that late payment from XXXX and still continue to list that false late payment. this morning i check online on my credit report and i saw that same late payment listed, i already sent them a letter in the begining of XXXX to remove this information by certify mail but experian refused to remove it. i called and requested to speak to a manager and got hung up several time ehrn i said i will file a complaint against them with CFPB. XXXX is using deceitful manner to run their business Equifax and XXXX did removed it after their received my letter. i called them to make sure it was deleted from my credit report and it was confirm by their representatives that it was done. at my biggest surprised they listed again because i told XXXX that representatives that equifax and XXXX removed that false information why they do not want to do the same. they are horrible companies that need to be closed down

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I asked to break my lease in the apartments that i resided. So they asked for {$1000.00} dollars as a fee for breaking the lease. I paid that money plus the rent of that month. I left the apartment by the end of XXXX and they said said that the apartment will be leased at XXXX so you have to pay remaining balance till XXXX. I figure out that they are charging me {$4600.00} of rent for XXXX and XXXX and XXXX. The lady working told me i only pay for XXXX. So i want to dispute these extra charges and complain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In reference to previous complaint number XXXX. Resurgent Capital Services responded to the complaint and attached XXXX XXXX Statements. The statements show that payment where made to this account. However, they did not send me the signed credit application so I can investigate further. However, I give them an idea, please ask XXXX XXXX XXXX to provide a copy of the check or money order or provide me with the payment format used for this account. The payment format will show the address on the check or money order and if the payments were done online, then they have to have a record of the bank account used to apply payments to this account. This is the only way we can discover who opened this account in my name. On the response Resurgent Capital Service sent, they attached a letter in which they also mention that if this account was fraudulent to file a police report or a notarized identity theft affidavit. I went to my local precint to file a report and the officer refused to issue a report for an account opened 9 Years ago unless I provide a signed credit application. Therefore I am attaching a notarized affidavit. Please note I am out of state and have taken this to notarize in the State of Florida since I will be out of state for another week and do n't want this to stay on hold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-11-2017 about Debt collection (I do not know) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company is a fraudulent third party debt collector attempting to extort money out of me. They claim they are working on behalf of an original client, but the original client had already been sued, lost in court and had to pay out money for fraudulently placing the same debt on my credit report. And that means NATIONAL CREDIT SYSTEM is into buying and selling fraudulent accounts in hopes of financial gain. What do they think is the next step for them?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (OR).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Southwest Credit Systems keeps calling me with numerous XXXX-area code phone numbers ( my phone number also starts with XXXX-area code ), every day, multiple times a day, for weeks on end now. ( Today is XXXX/XXXX/2017. ) Each time, it 's a new number, so blocking the phone number of the day provides little-to-no reprieve.
When I 've asked why they are calling, they say " personal business, '' and refuse to give me more details until I have verified all my personal information for them.
Every time I refuse to verify my information, because I have no written notice of debt from any business entity as of present. Upon review of my bills, as well as my XXXX credit report, I have no outstanding debts. As such, Southwest Credit Systems has no reason to be calling me. I called one of the XXXX numbers back today and asked them to stop calling me, and they refused. An exceptionally rude customer service member said, " you 'll have business with us at some point. '' Since the conversation crossed the threshold of reason, I hung up.
Submitting a complaint here seems like the next logical step. Please let me know if I can help with additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Credit card () with Continental Finance Company, LLC (FL).
Issue: Customer service / Customer relations

Complaint: Hi, My issue with this credit card company is that i lost my credit card and I call customer services to speak to a representative who can help me and provide me my account number since I 'm trying to pay my total balance through a loan that i recieve and after they verify all my information they will not give me my account number, I went online were i have a user name and password to view my account, pay bills, etcs and not even in there i can get my account number, all other campanies can provide you with you account number after verifying that you are the account holder, but this VERVE credit card is very shady. 
I need my account number in order to apy my balance through a 3rd party.

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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX  credit reporting agency and   XXXX   XXXX   credit reporting agency is reporting an account on my reports that is incorrect. The account is  XXXX   XXXX   XXXX  this account was previously deleted off  XXXX  of my reports now is is reporting again. I spoke with corporate office with  XXXX   XXXX   XXXX  and it was agreed that it is to be removed  XXXX  and   XXXX   XXXX   should not be reporting this account

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 04/15/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: While on XXXX with the United States Military XXXX, I was the victim of Identity theft/fraud. Multiple inaccuracies and fraudulent accounts were opened using my credit information. I have disputed these accounts on multiple occasions, with both the credit bureaus and the company who owns the account. With my disputes I have explained the situation, supplied documentation of my XXXX, and the police report filed that led to the arrest of the person responsible. Still the credit bureau and company refuse to remove the incorrect/derogatory information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Compliant file with Equifax response is not accurate from creditor. Equifax stated review dispute ( XXXX ) information and was correct. Equifax provided contact information of XXXX. When I contact XXXX on XX/XX/XXXX at XXXX am I talked to XXXX in XXXX she informed they do not report any liens to credit bureau therefore, they do not have the resource to remove any liens from my credit report. The amount of {$520.00} has been resolved and satisfied by the XXXX with payment since XX/XX/XXXX ( filed XX/XX/XXXX ). This amount was paid before it was reported to Equifax credit bureau. I had provided this letter to Equifax with dispute however, Equifax refuse to remove this derogatory remark from my credit report with the intention to damage my credit rating. Also, on this dispute I notified Equifax about XXXX is still on my credit report. I provided a list of all of my other creditors were removed from my bankruptcy on my credit report except for XXXX however, again Equifax refuse to remove this XXXX item. Equifax intention to destroy my credit rating with discrimination refusing to remove these item from my credit report. Please your gratitude will be greatly appreciated to assist me where my credit rating has been damage with unfair treatment from Equifax. ( see XXXX attachments ) Sincerely Yours XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian has not removed issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A debt that was confirmed not to be mine in XXXX has once again been resurrected. XXXX XXXX contacted me numerous time threatening to take this action to court as well as " ruin my credit '' if I did not pay the balance as well as interest since XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I am filing a complaint because Pro Collect Inc. is not licensed to collect debt in my state ( Texas ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Call XXXX calls both numbers at same time! Talked to them, told them I could n't pay as required They call XXXX times a day, on both phone numbers!

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Improper contact after I asked them not to call me, ERC collection agency left threaten messages to my phone and parents house say that I would go to jail if I did n't contact them in 10 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, I went to local US Bank branch to make an extra mortgage payment. It was at the branch that I was informed that I had filed for Chapter XXXX Bankruptcy. This was something that I or my wife never did. After playing phone tag games with the Banker, Mortgage, and Bankruptcy departments, they say they would look into it and I had to wait 7 day till XXXX XXXX. Supposely a letter was sent out to me on XXXX XXXX. - the same day that I filed for bankruptcy. On XXXX XXXX, no letter arrived and I called back to US bank bankruptcy hotline to check on the status. According to them, work orders were filed but they could n't tell me anything how this happened with all their safeguards. On XX/XX/XXXX..I called them again and I keep getting a different story. I have ask written proof of the bankruptcy to be send by email or overnight certified mail. Their response was I had to wait till the claim was investigated but could n't tell me when this would be. Nothing has been resolved or explained to me. Currrently, I have not received or seen any written proof that I have filed for bankruptcy. I ca n't understand why this taking so long when it was n't my fault, but the bank 's fault. They have all my information and the records show that I am current. 

To me, this is not only about money but also justice that needs be justified and solved in a righteous way!

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