milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/26/2016 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Problems caused by my funds being low

Complaint: My account was over drafted and PNC Hit me with XXXX a day overdraft charges. 
I went into my local branch and spoke to a XXXX at XXXX/XXXX/2016. I advised her about my account. She decides to call a special department pertaining to the issue. She picked up her phone and it rang 3 pods over in the same bank. XXXX told me they and the other department could not help me. I called customer service on XXXX/XXXX/2016 at XXXX and spoke with XXXX XXXX , operator, XXXX. I told her my problem and she adjusted my XXXX late fees off my account. I woke up around XXXX XXXX the next day another charge for XXXX was assessed against my account. I called customer service and spoke to XXXX, he was n't able to override the charge nor was n't he willing to get a manger to override it. I deposited a check for XXXX around XXXX in the afternoon. So I called my local branch to see if they can override the XXXX fee. They gave me the run around. I contacted XXXX pertaining with my issues earlier today with my account and obvious retaliation from prior incident of a teller giving me dirty money which should of been sent back to the federal reserve to be destroyed. My call to the bank in XXXX and then called me XXXX both calls were lost. I am sitting here at XXXX and no one from the bank has called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am writing to report problems with the customer service provided by Equifax, which interfere with access to credit records. 

I was recently informed by XXXX, XXXX that information including my name, DOB, SSN, home address, email address, and employment information have been compromised by their system. On XXXX/XXXX/15 I mailed a certified letter to Equifax, confirming a fraud alert that I had placed by phone and additionally requesting a security freeze. My letter included a XXXX form and a utility bill that show my SSN ( on the XXXX ) and my current address ( on both documents ), as required. On XXXX XXXX I received a letter dated XXXX XXXX confirming the security freeze and indicating a personal identification number ( PIN ). That letter was correctly mailed to my correct address. 

Subsequently I received a letter from Equifax, dated XXXX/XXXX/15, confirming a change of address. The indicated address was essentially the same as my current address ( which has not changed this year ), with the exceptions of a spelling error in the street name and the city designation associated with the zip code. Although the indicated address was close enough to the correct address for the letter to reach my home, the errors would cause problems with identification questions in any future on-line transactions. The confirmation letter indicated : '' If you dispute or have questions regarding this address change ... please contact us atXXXX ... please have available the XXXX personal identification number ( PIN ) that we provided to you when the security freeze was first placed on your credit file. " On XXXX/XXXX/15 I phoned the indicated number, and spent about XXXX minutes speaking with an agent ( " XXXX '' ), a supervisor ( " XXXX '' ), and waiting on hold, but I was not able to get the address corrected. The specific problems I encountered are detailed in an Word document to be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I submitted an investigation request to Equifax XXXX months ago. I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is listing a XXXX account as open. I am longer a XXXX customer. I switch to XXXX in XXXX 2015. XXXX was supposed to have paid the remainder of my bill as part of their Cut Your Bill in Half promo. This XXXX account should be closed and removed from my credit report. I am no longer a XXXX customer so why is this acct being listed as open on 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 01-07-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: There has been recent changes to my Equifax Credit Report, I requested for Equifax to send me a copy of my credit report so I can confirm the changes and that my credit report is reflecting accurate information. Equifax has failed to supply me a ud to date credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2015 about Mortgage (FHA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted a request for loss mitigation options on XXXX/XXXX/XX/XX/2015 My authorized 3rd party left several messages for follow up to confirm documents received and the authorized agent XXXX XXXX would not return calls. Finally when he was reached on XXXX/XXXX/XX/XX/2015 on a recorded line he stated that they refused to review the documents because it was received XXXX days prior to a sale date. He refused to send anything in writing stating this. Please help. I was never notified of the last day for loss mitigation options in writing nor verbal. PLEASE HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX is the mortgage company that holds the deed on my property at XXXX XXXX XXXX, XXXX NY. According to credit reporting agencies XXXX foreclosed on this property back on XXXX XXXX 2013, however XXXX is still passing information to the Credit Agencies as late payments or foreclosed, causing my credit scores to drop considerably. XXXX is also reporting to the credit agencies that foreclosure just started recently, when in fact the foreclosure was completed on XXXX 2013 according to information I received from a Veterans Mortgage ( XXXX XXXX ) company that is working with me to obtain a VA Home Loan.

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 04/16/2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On XX/XX/2017 Equifax reported several accounts that were previously reported as a new account has been added to my report. Some of these accounts have been reporting on Equifax for over a year now. This has caused my credit score to drop. I have diligently worked to repair my credit, and I find this disheartening. I do n't find it a coincidence since I just disputed fraudulent inquires on my credit report. The following accounts have been listed as newly reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Student loan (Non-federal student loan) with DISCOVER BANK (NY).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have a private student loan from Discover. I am currently a XXXX, making XXXX per year and can not repay my loans at this time. With all other loans, including all other federal and private loans I am able to apply for forebearance as long as I supply proof that I am still in training. 
Discover has told me that I " can only be in residency 4 years '' and that my ability to forebear my loan is over and I must pay up. I have explained to multiple discover reps who call to harrass me that I am still in traning. They continue to tell me that I can only be in training for 4 years and now I have to pay. 
I make $ XXXX. I AM STILL IN TRAINING. It is crazy that Discover is telling me I have a job and I have a higher salary

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX is reporting on my credit that I owe XXXX from back in XXXX but I did not open an account until XXXX and still have XXXX without any balance. I feel that my identity might of been used because I do not have a balance with XXXX and I still use them as my phone carrier.

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 05-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a past due payment on my credit report for XXXX and XXXX ( Transunion and XXXX ). I do not own this credit card.

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 06/29/2017 about Debt collection (Mortgage debt) with RCS Recovery Services, LLC (FL).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: RCS RECOVERY SERVICES LLC filled law suit on XX/XX/XXXX outside statue of limitations of 5 years. they even re-aged default date and it is still outside of 5 years of statue of limitations. judge ignored this when i said it in court and decided in favor of RCS RECOVERY SERVICES LLC. last payment i ever made was XX/XX/XXXX. they re-aged debt to XX/XX/XXXX but it is still 5 yrs 8 mo after last payment. they never proved that they own debt even when i requested it several times. they never came to court, missed first hearing, judge would not dismiss it then, second hearing they called in and judge never did anything on my motions or request. judge would approve their every motion and never any of mine.judge ignored statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (Other debt) with Conn's, Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I filed a claim with Conns Home Plus back in XX/XX/XXXX for my insurance to be kicked in due to me being unemployed. They stated if I made the payment of {$120.00} the insurance company would kick in and pay the rest. I did just that and I noticed in XX/XX/XXXX that my account was seriously delinquent. The insurance I purchased never kicked in to pick the payments. I had been battling this for over a year. They stated that they never received my documents but they received the payment. They agreed to settle the account at {$900.00} then went back on the agreement then wanted {$1300.00}. The insurance made 1 payment of {$120.00} on XX/XX/XXXX. However my account has shown delinquent since XX/XX/XXXX. Its still affecting my account and on XX/XX/XXXX almost 2 years from initially applying they illegally pulled my credit again without my consent to do so. They have told me numerous of times this account would be deleted off my credit report and cleared through their insurance. This has not happened and is ruining my life. I need help in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (LA).
Issue: Fraud or scam

Complaint: I have been waiting since XXXX XXXX to access my money and my card is not reflecting the correct balance. I have made over a dozen attempts to get this corrected and no one helps me. This is dealing with Rushcard. I am very fed up. No one wants to help nor compensate me for the hardship this ha caused me while on vacation. They wont tell us what happened just continues to make excuses. You can also check there XXXX page lots of angry customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a a unverified account from CBE. I had previously disputed this account. I have never done business with CBE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CBE Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CBE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Debt collection (Medical) with CHARLESTON AREA MEDICAL CENTER (WV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: There is a {$1.00} charge on my credit report. I contacted Health Care Financial XXXX ans was informed they do not have balance of {$1.00} on any of my accounts with them. All accounts were paid off in XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Have called many times..explained to them that the person they are looking for is not at my number..they keep calling and yesterday,XX/XX/XXXX, left threatening message for that person. Called them back to again request that they remove my number and if not I would contact you. They called right back and stated that they 'll continue to call regardless of what I wanted..I 've had enough of this.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Interestingly enough, Trans Union is incorrectly reporting XXXX of my student loans with having late payments in their history. Trans Union has reported that I was 60 days late in XXXX, 90 days late in XXXX, 120 days late in XXXX XXXX and XXXX late XXXX XXXX. This is simply not possible since these loans were in forbearance at the time Trans Union claims that they were late. Repayment was not due to begin until XXXX ; since no payment was due until after Trans Union claims I was late, the Trans Union report must be corrected by removing these late notations for student loan with date opened XXXX/XXXX/XXXX and disbursed by the XXXX on XXXX XXXX, XXXX. I have attached the documents from XXXX showing the due dates and you can see it is not possible for these to be reporting late since they were not due and in forbearance. XXXX for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Student loan (Non-federal student loan) with AES/PHEAA (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: For multiple months my cosigner and I have been trying to get him removed from my loan as a cosigner! We have been told multiple times that I needed to make 48 pmts to be eligible! On XXXX XXXX, 2016 I made my 48th pmt but received a letter today stating that I had been denied for cosigner release because I had not made 48 pmts because one of those pmts was late! I found out that the late pmt was made when I switched my direct debit account even though it had been approved on the XXXX and my pmt was due the XXXX, they did not debit the XXXX out and I was late by 10 days because I was unaware! I spoke to XXXX customer service reps and a supervisor all confirming that this was fine and would n't matter because it was there mistake! After speaking to another XXXX representatives and a supervisor liaison today, I was yelled at, threatened to be hung up on, and placed on hold for several minutes! I was told that even though it was there fault they still denied it! American education services stated that my loan was through national collegiate trust and they were the ones that denied it! I asked for their contact information and was told they did n't have any contact info for them even though they were collecting a debt for them! I also asked for the promissory note giving them permission to collect on this debt and they refused to provide it! I asked to speak to supervisors and they refused to let me speak to anyone! There are multiple complaints online regarding this company and the scam they are pulling! I 've been paying on this loan for over four years and my balance has only decreased by very little! This company is scamming people and will not work with anyone or provide any information regarding my loan!

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Debt collection (Medical) with RSI Enterprises, Inc. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted the debt company to explain to the agency that the last time I spoke with XXXX XXXX, I asked them to resend my bill to my new secondary insurance. The associate stated to me that I never requested that. That is not true, I did request to have the bill sent over to my new secondary insurance over the phone, and I also requested it at my last office visit when they told me I had a balance.. It never was sent to my secondary insurance, instead it was sent to collections, and I found out about it through a credit report alert. And now because my secondary insurance did not receive it on time, I am battling with them to review a claim to pay the amount in full. When I asked the lady at the collections department to send it over to my secondary insurance, she told me it was already sent, and that is the amount I have to pay ... Which was a lie! It was never sent. I want this collection removed from my credit report. I will deal with the secondary insurance claim on my own and whatever is left over after my secondary insurance reviews it, I will pay in full at that time. A medical company can not deny sending something to a secondary insurance, and I do not appreciate being lied about the bill being sent to my secondary insurance in an effort to collect money upfront.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: My complaint is with : Select Portfolio Servicing XXXX Inc. ( aka SPS ). I have attempted, over the last 4 years, to get a " Loan Modification '' with this servicing company. I first started this process with XXXX Bank on XXXX XXXX. It was as though, once I had been approved for a loan modification, the loan got sold off to a different investor and I had to start the process all over again! I am 4 years behind in this mortgage. This property is in XXXX XXXX and is " Under Water ''. There have been XXXX written apprasals on this property over the past 2 years, ordered by SPS. The range has been between {$75000.00} and {$92000.00}. I asked for a principle loan reduction. I was lead to believe that they would consider it once I made XXXX payments of {$930.00}. I made these XXXX payments on time from XXXX XXXX thru XXXX XXXX. The loan modification was approved with no principle reduction and all of the accruded principle, interest and fees were wrapped up in the new loan with a modist reduction in the interest rate and monthly payment. This home is not my primary residence. It is a rental property. SPS has a program for rental properties. Due to the extended amount of time and personal expense that I have gone through over the last 4 years, I am in need of that principle reduction. I feel as though I have been wronged and manipulated by this servicer. Please see what you can do to help me with this situation. Thank-you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In 2009 we completed a chapter XXXX bankruptcy for credit card debt, we kept both our home and vehicles. We are still living in our home and are still paying for it, we also have since paid off the vehicle and still own that and hold the title for it. However on our credit report it is showing that we lost these things in bankruptcy. We are applying for a loan modification due to the fact that my wife recently lost her job and are unable to move ahead because of this.In XXXX we completed a chapter XXXX bankruptcy for credit card debt, we kept both our home and vehicles. We are still living in our home and are still paying for it, we also have since paid off the vehicle and still own that and hold the title for it. However on our credit report it is showing that we lost these things in bankruptcy. We are applying for a loan modification due to the fact that my wife recently lost her job and are unable to move ahead because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax Reporting company is making to many hard inquiries to my credit report. The have listed improper and negative information on my report. I have disputed items several times with them on line and have gotten no satisfaction by their explanations. They have blocked me from using their web site to continue to dispute the information they have listed on my credit report.

Company response to consumer: Closed with explanation