milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/23/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (DE).
Issue: Loan servicing, payments, escrow account

Complaint: I would like to register a complaint against PNC Mortgage and Insurance. I settled on a new property on XXXX XXXX, 2016. The loan was held with Fairway mortgage and later bought by PNC Mortgage on XXXX XXXX, 2016. On XXXX XXXX, 2016, I was notified that my home was now located in a flood plain and required flood insurance which they were going to purchase for me if I did not show proof of coverage in 45 days. I reached out to multiple insurance companies and was told that I could purchase the flood insurance because I was no in a flood zone as PNC mentioned. PNC stated I was in flood zone A and the FEMA database had me listed in flood zone X. 

I am disputing PNC 's records and having them update my mortgage with the information listed with FEMA. PNC stated that they are researching my case and hope to have resolution in 10 days. This will put me over the 45 day period and they will purchase insurance for me at an annual premium of {$2200.00}. The standard insurance policy would normally cost {$500.00} for coverage for my home. My complaints are XXXX fold. First, that they are forcing coverage when FEMA is stating the home is not in a flood zone. Secondly, that the forced coverage is extremely overpriced and they are using this forced coverage not to insure me as the homeowner and them as the lender, but for financial gain. 

I would like to bring this to your attention and request that you review and investigate PNC 's practices in this area.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Late fee

Complaint: Repetitively charged a minor fee of {$2.00} on a balance of {$2.00} -- - that was a result of the last fee assigned. I owe nothing and I 've been repeatedly assessed fees even after I paid the balance to {$0.00} and closed the account XXXX months ago. Today I have a new balance on the closed account of {$4.00}, you guessed it -- -minimum interest charged on the {$2.00} late fee. If this is n't a scam I do n't know what is .... I closed the account and owe {$4.00}? How does this happen?

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 03/25/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: I was a wells Fargo customer for several years but my free checking account was never used, a teller pursuaded me to open one to save check cashing fees. One day after several months of no activity w/ my account I went inside to deposit a {$1000.00} check, I was told there was a problem w/ my account & was directed to an account manager, this guy was a complete XXXX, before anything was explained to me he was treating me like a comin thug very disrespectful, I started losing my patience with this XXXX then he blurted out loudly that my account is frozen due to being overdrawn, he said I will get a letter in the mail. So I left for home, checked the mail and to my surprise their was a letter from Wells Fargo that had a copy of XXXX checks each made for {$450.00} totaling {$900.00}, the name on the check was a XXXX from Alabama, the signature on the back looked like a woman signed it trying to cash them. What happened is some XXXX at Wells Fargo used my account XXXX to cash this XXXX from Alabama checks and my name is XXXX from XXXX Florida and my account number is nowhere close to this other guy, I have no clue how this could happen because I had no money in my account so how can they use it to cash somebody else 's checks? I have been up against a wall with these XXXX, I 've opened at least 5 fraud cases with Wells Fargo fraud department that always ends with " sorry we ca n't help you because it 's not your name on the checks '' they know this but it 's fine to use my bank account to cash this guys checks!! I ca n't even file a police report because the cops need more information. Wells Fargo has completely stone walled me, my name has been added to the fraud warning site, I ca n't open any bank accounts, it has damaged my reputation and has caused me much grief. This is a perfect example of why banks should never be to big look at how they treat people and GET AWAY WITH IT!!! I am beyond furious how incompetence runs rampant through wells fargo they should have to go through what they 've put me through, see if they act like it 's no big deal when it 's happeneing to them!!

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 09-09-2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (DE).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/15 XXXX fraudulent charges occurred on my checking account in the amounts of {$66.00}, {$70.00}, and {$72.00}. A total of {$210.00}. On XXXX/XXXX/15 I noticed the fraudlent charges and reported the matter to TD bank customer services. I explained that I had never lost or misplaced my debit card and that I had never been to the location in which the fraudulent charges occurred. The TD bank representative took my information and said that an investigation would be initiated and I could expect the money to be refunded within 3-5 business days. On XXXX/XXXX/15, six business days later, I called TD bank again to check on the status of the investigation and the TD bank representative said that the person I had spoken to during the initial call had failed to initiate the investigation and I would have to start the process all over and that it would take 7-10 additional business days to resolve. After providing the information for the second time I asked to speak to a supervisor about the difficulty I was having getting the issue resolved. The TD bank representative stated that I could not speak to a supervisor but that if I left my contact information, a supervisor would call me back within 48 hours. I insisted I wanted to speak to a supervisor and was again told that I could not speak to one. Finally I gave in and left my contact information and asked to have a supervisor call me back as soon as possible. I never received a call from a supervisor or any TD bank representative. 
As of today the issue remains unresolved and no funds have been refunded to my account. 19 business days since my initial call on XXXX/XXXX/15 and 13 business days since the XXXX call. I have however been charged a {$14.00} maintenance fee because my account dropped below {$100.00}, which would not have occurred if the fraudulent charges had not occurred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: All your information is incorrect, Inaccurate, or false.

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 12-05-2015 about Consumer Loan (Installment loan) with Social Finance, Inc. (NC).
Issue: Taking out the loan or lease

Complaint: This concerns a load from SoFi. I filed out all needed paperwork and send all required documents. On XX/XX/XXXX I received an e-mail saying " congratulations your load has been approved please login and sign your paperwork. ( I have attached that e-mail ) logged in from my phone and tried to sign but only got a blank screen and was kicked off. Called rep the next day was told to use my home computer same issue. Called rep next day he reset and told me to be sure I was using Google Chrome, delete my history and cookies did all those and the same thing. Called rep the next day she stated it was something wrong on there software she would send it to me via e-mail and she would call me back. After 3 days no phone call no e-mail called rep again he apologized and said he would send me an e-mail and if I did not get in within a couple of days call back and he could send XXXX. After a couple days no e-mail so I called back rep stated that as of that week they no longer send XXXX put she would talk to her manager and call me back. No phone call but I got an e-mail stating that my loan was denied and should try XXXX for a loan. I called a manger and got no help she just said she was sorry and there was nothing she could do.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Debt collection (I do not know) with Northeast Collection Bureau (MO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have never heard from or of this company and this message was left on my voicemail : We have made several attempts to get in contact with you regarding the pre legal matter We suggest you do not ignore this notice press 1 to speak to an associate now or contact this office immediately at XXXX if you have retained the services of an attorney you may have your counsel contact this office on your behalf this communication is from a debt collector. This is an attempt to collect a debt any information obtained will be used for that purpose.

Company response to consumer: Untimely response
Consumer complaint received 08-08-2016 about Credit card () with DISCOVER BANK (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: An unauthorized inquiry appeared on my credit report. I contacted Discover about the inquiry and it was determined that the inquiry was fraudulent. I was told that the inquiry would be removed and have a letter from Discover stating the same. It 's been 6 months and the inquiry is still on my XXXX and XXXX reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2017 about Debt collection (I do not know) with Machol & Johannes, LLC (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am being sued by Machols and Johannes debt collectors for a debt which occurred 25 years ago in another state and can not be verified by the debt collectors. I have made numerous attempts to see if this is truly my debt, but I could not find any evidence of it. I have not received a notification from Machols and Johannes to appear in court in a timely manner so I could defend myself. They are taking 25 % of my income every 2 weeks out of my paychecks. I am supporting a family of XXXX and it is a hardship on our family. I am being charged 23 % interest for the past 25 years without any proof this is my debt. The collection agency started to garnish my check in 2015, the garnishment stopped after they held it out 4 times. Then they re-started the garnishment in XX/XX/XXXX2016 but cont. to charge interest even for the time the garnishment was not taken. I do n't believe this is my debt at all and all the dealings are fraudulent. I do not have the money to hire an attorney, or I would have done so long ago. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIRST NATIONAL BANK OF OMAHA (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I HAVE ASKED NUMBER OF TIMES TO HAVE MY NAME REMOVED OFF THE ACCT AND CREDIT REPORTS ASAP. 

XXXX XXXX SS # XXXX XX/XX/XXXX ACCT # 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 04/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: My loan is service d by Navient and has  incurred high interest rates. This is a loan fro m 2005 an d I currently an active student pursuing my  XXXX  Degree. There are errors within this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Billing disputes

Complaint: See attached .pdf copy confirming payoff of a Citi Cards credit card account, for the balance stated of {$210.00}. This card was canceled/inactive approximately 4 years ago. Citi Cards has sent me a following bill for interest of {$3.00}, for the period XXXX/XXXX/2015 through XXXX/XXXX/2015. Once again, this card was canceled/inactive approximately 4 years ago. I called the Citi Cards customer service number ( XXXX ), and spoke to a representative who did not identify him self. I asked to speak to a manager in charge, and was refused. The Citi Cards representative did not resolve the matter to my satisfaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX of 2017, I contacted XXXX XXXX XXXX XXXX XXXX to retrieve furniture from a lease to own program. I was told to wait for a call from a manager to have the furniture picked up and lease ended. This never occurred. I was also told that I could not bring the furniture back to store ; it had to be retrieved by XXXX 's. I continued to call XXXX 's over the course of the next four months to have the furniture retrieved, which did not occur. Eventually, I had to move the furniture in order to keep it from being taken by the apartment in which I lived, as my lease ended. Finally, once I told XXXX 's I had moved this furniture, they came to the new address to retrieve it, and reported me as having a paid charge-off on my credit. I spoke with the customer service folks, and was told that they would not investigate the information. If I was to dispute this through the credit bureau, they told me they would simply send it back because they say it is accurate rather than looking the information up and providing the evidence. I have not disputed this with the credit bureaus at this point as a result of what the XXXX 's representative said about not investigating and simply returning it back to the credit bureau.

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 07/22/2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Sale of account

Complaint: My Chase Credit card was 'charged off ' after Chase refused to allow me to make affordable payments or settle the balance after going through a horrible divorce. Then, without my knowledge the charged off debt was sold to a zombie entity that NEVER contacted me. In XX/XX/XXXX, one evening after arriving home from work, the Sheriff 's Dept showed up at my door with an order to seize my only asset, my XX/XX/XXXX XXXX! After trying to understand what the deputies were telling me through my hysteria, they apologized for what they felt should be illegal and told me to call an attorney ASAP! When I contacted the 'zombie company, whose contact info was on the order, they wanted me to pay them {$9000.00} on what was originally a {$3000.00} credit card debt! And so began an EXTREMELY STRESSFUL and expensive journey to retrieve my only means of transportation to and from work. The law firm that I retained had never seen anything like what had happened to me. All the documents had been inaccurately electronically filed by the zombie company, but went through the XXXX anyway. This ordeal has caused my health to suffer as well as my financial well-being. I was forced to immediately file bankruptcy, and am still struggling to recover from the whole ordeal. I am hoping that I might qualify for a refund for the unfair and VERY deceptive practices of Chase!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am in the process of looking to buy a home. This is why I pulled my Credit Report. I could not believe the information I found. There are several loans and accounts on my report that I have no knowledge of and I contacted each creditor and have not been successful in removing these items, the reps were rude and told me even if I had no   XXXX   XXXX   is reporting  XXXX  times as well. These are not my accounts! And I will not rest until I get results. This is preventing me from getting a home and I feel it is very unfair to have to pay for something I did not do nor had any knowledge of. These accounts are reporting in error. Please help me to resolve this,

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 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hello, Consumer credit reporting agencies are reporting an account I do n't believe is mine, or is incorrect as I have had no business with the listed company.
Item is listed as :   XXXX   XXXX   XXXX   XXXX  , for the debt of   XXXX   XXXX   XXXX   XXXX   for {$1300.00} USD.
Can the CRA 's confirm validity and provide proof of debt?
Thank you.

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 06/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint: Inquired about a cash advance XX/XX/XXXX.
Chase policy is max 20 % of credit line which {$25000.00}. Was told that I had an advance back in 2014 ... .for around {$4000.00} and wasn, t eligible for another one  because my balance was still the same.
my min due each month has been around {$300.00} ea month and I ALWAYS pay more than min due ... {$500.00} currently.
Why hasn, t my cash advance balance been reduced along with my purchase balance since I always pay over and above the min due each month?
Cash Advance interest 25 % / purchase charge is 12 % ... .I feel like a cash cow for Chase or the gift that keeps giving since I pay 25 % interest each month on a Cash Advance balance that NEVER reduces regardless how much I pay above the min due each month! THERE IS SOMETHING WRONG WITH THAT PICTURE!

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (WA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: XX/XX/XXXX, I received a balance transfer offer from USAA for my XXXX card. The balance transfer offer {$0.00} introductory APR until XX/XX/XXXX. The offers expiration date XX/XX/XXXX. I made two balance transfers which posted onto my XXXX card on XX/XX/XXXX. The first transfer was the amount of, {$4500.00} and the second transfer was for, {$5300.00}. 

However, when I received my XX/XX/XXXX, USAA XXXX XXXX statement I noticed the interest charge on the balance transfers was posted. I called USAA on XX/XX/XXXX, and spoke with a representative. The representative told me the balance transfer that I completed expired. NOTE : I have the balance transfer letter that USAA sent to me with the balance transfer information. Clearly I completed the balance transfer before the offer expired.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/24/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with PNC Bank N.A. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: We were victims of hurricane Irma in XXXX Florida. Our power was out for a week from XXXX XXXX through XXXX XXXX. Due to limited access to internet and financial and government institutions being closed, I missed a {$15.00} payment on my credit line. On XXXX XXXX, I called PNC to make payment and bring the account current. I spoke to XXXX XXXX at PNC at XXXX. He assured me the late hit on my credit report would be reversed. I tried reaching out several times following our initial conversation leaving voice messages with XXXX XXXX at PNC with no reply. PNC needs to reverse the 30 day negative late on my credit report.

Company response to consumer: Closed with explanation