milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2016 about Payday loan () with Enova International, Inc. (VA).
Issue: Charged fees or interest I didn't expect

Complaint: initially, i took out a payday loan with netcredit and I was unaware their interest rate was 99 percent which made it impossible to pay back. In addition, the amount would be double the loan amount and online payday loans are illegal in the state of Virginia. Net credit is affiliated with Nc Financial Solutions, LLC operates as a subsidiary of Cnu Online Holdings , LLC. They are not XXXX accredited and these companies are clearly crooks, unethical and practices illegal actions targeting consumers. Lastly, it does not matter whether a debt collector is legitimate which they are not. A legitimate debt collector who collects an illegal internet payday loan can get sued under the Fair Debt Collection Practices Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (OH).
Issue: Trouble during payment process

Complaint: I have been misled by the representatives of PNC bank. I was looking at some refinance options and around XXXX XXXX, I called the bank before deciding on the refinance. The person I spoke to informed that my property taxes are low currently and I was issued an escrow refund of {$2100.00} in XXXX, XXXX. Since I never received the refunded amount, the check will be reissued. Additionally, keeping in mind the current lower property tax an escrow analysis was rerun and I was informed that my new payment will be around {$1900.00} from XXXX XXXX and I will be getting further refund taking my total escrow refund to around {$3800.00}. These payments will be readjusted in future when my taxes are recalculated by the county. However, when I called today to inquire about the delay in getting the refund check, another representative told me completely different thing. She informed me that only the XXXX payment will be refunded and my payment will remain same. 
This is a clear case of misleading the customer and because of the shady practice I lost the chance to refinance after paying appraisal and processing fee of around {$400.00}. It also messed up my calculations about another personal loan that I was hoping to repay with the refinance option. This sort of misleading has messed up my finances and I am stuck in a precarious situation. All the bank will do is " better train '' their employees.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 've been waiting since XXXX XXXX for the state of XXXX to investigate a tax lien against me. The lien was for unpaid state income taxes in XXXX, which was not valid as a I was a XXXX resident. Finally, the state 's taxpayer advocacy office provided me with the attached letter saying I did not owe the state and that the lien should be rescinded. I 've disputed the lien on my credit report for all XXXX bureaus, providing the letter from the state as proof, but the bureaus will not remove the item. I am seeking to have the lien completely removed. I 'm hoping this can be done soon, as I need to help my mom buy a car.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI).
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 credit reports were fine up to about 1 yr ago when all of a sudden a XXXX XXXX charge showed up stating that I owed them {$2600.00}. I never had a credit card with XXXX XXXX XXXX that ever had such a high limit. I had smaller ones and they were all in force around the same time and all paid off. when I put a dispute in I never got anyting. how can they just let something appear on the report, no record of payments no record of charges nothing just an I owe them this money. I have tried to dispute with XXXX XXXX and all I got was a collection letter. this is really hurting my credit all reports. its not mine.

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 08-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I requested validation of the original debt, including the name and address of the original creditor ( in accordance with federal law ). The amount of the debt that was validated was not correct. Furthermore, in violation of federal law, the address of the original creditor was not listed on the validation notice.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Problems caused by my funds being low

Complaint: Chase bank switched one of my accounts from Savings to Checkings. In doing so, they failed to leave the overdraft protection that I had. Then they subsequently charged me overdraft fees. Chase is constantly finding ways to charge fees regardless of the numerous efforts I make to prevent this. They also rearrange withdrawals to justify overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-04-2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (TX).
Issue: Account opening, closing, or management

Complaint: I made an ACH payment to my PayPal account on XXXX/XXXX/15. I have repeatedly called about the receipt of my payment and the status of my account. Although several customer service agents told me they could see the receipt of the payment, the last one told me I would be able to see it on the XXXX XXXX statement. 

This being XXXX XXXX, I went to the PayPal login page and I was denied access. I spent almost 20 minutes on the call in which I was finally given a new login ( after I was told my account user name was an email account I have n't used for almost 10 years, for example. There was other nonsense in the call all, it seems, was arranged to prevent access to my account. ) My repeated requests to have my call escalated were rebuffed and accompanied with more requests to verify personal information, the last and final was information about my bank account beginning with the routing number. At that point I terminated the call and contacted the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
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 sued me in a Masschusetts court for an alleged debt that they claimed to have purchased from XXXX XXXX XXXX/XXXX XXXX XXXX. XXXX/XXXX/2017 of this year a Massachusetts judge dismissed the case in court and XXXX XXXX is still reporting this collection account as Valid. I have already emailed them about it and they continue to do nothing about removing it from all credit reports. The are in violation of the law and I want the collection account removed from all reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/24/2016 about Debt collection (I do not know) with Hunter Warfield, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The collection company is continually calling my home for a debt that belongs to my son after I informed them that my son died this year XXXX/XXXX/XXXX. My son was only XXXX in XXXX when he passed away suddenly. He had just turned XXXX in XXXX of XXXX. What type of contract could they have with a minor child that allows them to call my house when my son died before he became an adult? They told me I have to send them a death certificate before they will stop calling my phone. My son does n't live anymore.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XX/XX/XXXX the Internal Revenue Service filed another a lien against my personal estate, XXXX # XXXX in the XXXX XXXX register of deeds office. The lien was satisfied XX/XX/XXXX. TransUnion credit reporting agency says they will not delete this account until XX/XX/XXXX.Transunion feel it should stay on my report until then because it was not satisfied until XX/XX/XXXX and they are acting on the date it was satisfied and not on the original filing date of the lien. The date of deletion for this file should be XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint: ON XX/XX/XXXX BANK OF AMERICA ILLEGALLY DEBITED XXXX FROM MY CHECKING ACCOUNT FOR TRANACTIONS I HAD PREVIOUSLY DISPUTED AND THEY HAD CREDITED ME FOR ONLY TO TAKE BACK THESE VALID TRANSACTIONS I HAD DISPUTED. I HAD SUMBITTED PROOF AND THE BANK MANAGER HAD VERIFIED THAT MY INFORMATION IS ACCURATE. THIS IS DISTURBING AND BANK OF AMERICA IS ENGAGING IN UNETHICAL AND EGREGIOUS BANKING PRACTICES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I was denied credit based on information that Equifax furnished XXXX. I will attach that information. I printed out my credit score from XXXX different agencies on the same day. XXXX credit agency said my Transunion credit score was XXXX and XXXX said my credit score was XXXX. None of the information at Equifax is correct and because of that I was denied critically needed credit. The information credit report is not reliable but it is life-altering. What each of the agencies report when the offer a XXXX credit scores at once deal, is not even remotely accurate. I am attaching snapshots/PDFs of credit reports reported on the same day. Note the difference. Also when I got individual report, my Experian credit score was closer to XXXX. This service is off completely. Also I had a huge problem getting free reports so I have had to pay for each of these more than once. Also on my identity verification quiz, these credit bureaus put in questions about people who were subsequent owners of a home I had. I do n't know them, I have no relationship to them. I had to guess XXXX XXXX 's birthday. I do n't know her.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2015 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Billing disputes

Complaint: Collection agency called my sons and informed then that i had charges filled against me and that they had sheriff officers on stand by to charge me. And that I owe XXXX XXXX dollars for a XXXX XXXX XXXX XXXX dollar debt

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Medical debt) with Capital Accounts, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Capital Accounts has been trying to collect a debt from XXXX XXXX whom I never been too. I could only assume XXXX XXXX bought out my XXXX XXXX XXXX XXXX. In XX/XX/XXXX I went to XXXX XXXX XXXX XXXX to XXXX XXXX XXXX. They had difficulty matching the color after 3 trys they asked me to drive downtown to the XXXX XXXX in turn they offered a discount leaving my bill to {$390.00} which was paid via XXXX XXXX XX/XX/XXXX2011. I 've explained this to Capital Accounts numerous times. In the period they 've had this the balance owed has increased 3 times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
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 havent received a response to the letter I sent to Experian dated XX/XX/2017 stating that they need to re-investigate and verified the Item listed in the attached letter named Experian 6 which is my 6th letter I 've sent trying to resolve this matter. In an effort to help Experian in their investigation I have attach a copy of my Equifax Report that clearly shows that they couldnt verify the Items and were deleted. I would like to know how they " verified '' the information listed below when it is clearly inaccurate : Did Experian call the original creditor or just look at the information in your database? 

Please see attachment letter and files for the items Please provide me with the following information within 15 days : Proper valid documentation required by the FCRA Or delete this misleading information.

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 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have continuously tried to resolve certain issues on my credit reports from all  XXXX  major credit reporting agencys. I have recently applied for credit and was denied. was not contacted at all by these  XXXX  agencys lettening me know there were possibly something negative in my reports and giving me a chance to respond or to investigate. The  XXXX  credit reporting agency 's just went ahead and gave the business inquiring into the credit the reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (KY).
Issue: Loan modification,collection,foreclosure

Complaint: My loan was transferred from XXXX XXXX XXXX XXXX Green Tree Services. Green Tree Services demanded that I pay the loan off in full, there were no other options. I explained to them that I had lost my job and I was working again, however I could n't pay out $ XXXX. The representatives were extremely rude and began threatening me. I told them my house was 'under water ' and there was no equity in my home. They said they would just charge the loan off and then hire someone to sue me. They advised that one way or another they would get their money. They began calling friends and family members as well. My mother said someone from Green Tree was extremely rude and indicated that I may lose my home. Green Tree also contacted my employer and indicated that I was behind on a mortgage. They never offered anything accept pay us or else. I am worried to death over this. I have XXXX small children and cant lose my home. Green Tree Recently charged off my 2nd mortgage. According to them the next step is to take me to court to file a judgment against me and garnish my wages. I cant afford to have my wages garnished for a 2nd mortgage that has no equity. Please help me. Please save my family.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Debt collection (Other debt) with SYNCHRONY FINANCIAL (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving a minimum of 4 phone calls a day from Care Credit due to a late payment. The company calls every day of the week, and the phone calls start anywhere from XXXX to XXXX. The phone calls started out as once per day leaving an automated message on my voicemail, and once I answered and spoke with someone explaining I work third shift and to stop calling me. After speaking to someone and requesting the calls to stop, the company began calling 4 or more times a day. No messages are being left, and if I do answer, they hang up. I 've resorted to installing an application on my phone so the calls go directly to voicemail instead of waking me up every two hours when they call

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 12/18/2016 about Student loan (Non-federal student loan) with United Student Aid (USA) Funds (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I received my credit report from XXXX and my report has a company called XXXX aka XXXX I have disputed this will all XXXX credit bureau yet they are still trying to collect on this, I have never pulled any loans out with them the only student loan i had is XXXX and they are collecting from me through insurance, I 'm requesting they remove these from all three of my credit reports with XXXX, I have never signed any contract with them.

Company response to consumer: Closed
Consumer complaint received 04/18/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: TRYING TO REMOVE INQUIRY. FROM XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX WHICH WAS DONE XXXX/XXXX/16 WITHOUT MY PERMISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (VA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: XXXX/XXXX/XXXX - started calling me at work about a debt that is not owed to XXXX XXXX. Told them to not call me again at this number. Called again today, XXXX/XXXX/XXXX, hung up on them. This bill is for {$470.00} and I do not owe it. A complaint about this billed was filed with the Better Business Bureau in XXXX XXXX. They sold this to a collection agency that is harassing me at work now.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Checking or savings account (Other banking product or service) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Is selling my self directed account to XXXX XXXX. I will lose alot of money when they do that because i own 65 partial securities that are currently losing money. XXXX XXXX does not allow partial securities. So i will be forced to take a cash equivalent loss. 
And XXXX does not allow what they refer to as unusual access. So i wont be able to trade when iam overseas. Which is 9 months out of the year. 
Can i force capitaloneinvesting.com to not sell my self directed account? 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (Medical) with Capital Accounts, LLC (AL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Got a call from Capital Accounts LLC. They we 're really rude during the call and said that I needed to take care of a business matter in order to avoid legal actions that will be taken against me by the end of business. They said it was for a {$160.00}. I 'm a XXXX year old with lots of health problems that do n't need this kind of stress or threats.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Mortgage (Conventional fixed mortgage) with FIRST CHOICE LOAN SERVICES INC. (TX).
Issue: Settlement process and costs

Complaint: I am in the process of obtaining a renovation loan with First Choice Loan Services Inc. I have paid for my appraisal and provided all of my financial documents for closing. They are now requiring me to pay {$490.00} for a Feasibility Study, this cost was not disclosed in my Settlement Statement I was told that it is an FDIC requirement, I told my loan officer that it was not in the settlement statement. But paid it anyways to not hold up the process.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (TX).
Issue: Charged fees or interest you didn't expect

Complaint: Worked with speedy cash on a structured payoff plan that would allow me to pay off my debt in a reasonable amount of time and avoid the XXXX XXXX interest rate. 

I have been paying {$220.00} since XXXX XXXX every XXXX weeks. This amounts to a total {$5500.00} dollars that I have paid on a {$900.00} original loan. 

I have requested a restructured agreement that would allow me to pay down this debt that is now over {$1300.00} despite my consistent efforts to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: CRA VIOLATION ID THEFT INACCURATE INFORMATION NOT MINE XXXX SECURITY BREACH

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