milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-11-2017 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Deposits and withdrawals

Complaint: I was pleased to find out from the XXXX 's XXXX and Social Security that the direct deposit posted into my mom 's checking account on XX/XX/XXXX was indeed what she had earned and was entitled to for the month of XX/XX/XXXX. My mom passed away on XX/XX/XXXX and this money would certainly help pay for her funeral and burial expenses that I had to put on my credit card, being my mom had no life insurance and and lived in a personal care home for the last 2 years of her life which was extremely costly. PNC Bank XXXX XXXX, PA took it upon themselves to put a hold on these deposits without me knowing which led to the bank account to be overdrawn. I had to transfer my own money into the account to make sure the did not charge any fees on top of messing with this money that was due my mom. They are sending the money back to the VA and SS and actually lied to me and told me the VA contacted them and wanted it back. I talked to about XXXX different people at PNC and got different answers from everyone of them. No one seemed to know why this was happening. I contacted the VA and SS several times and each time they told me they do not want the money back. If it comes back, I have to complete forms and they have to reissue the checks to me which can take a long time. The last rep that I talked to at PNC said they are Federally Regulated to do this when a person dies. I contacted the FDIC and the rep there could not find anything that would suggest this. Another lie! My name is also on this account. I have taken care of my mom 's affairs for 15 years, she lived with me and my family for 2 years before having to go to a skilled XXXX home. It is an absolute shame that PNC Bank is putting us through this at such a delicate time. They have no right to control my mom 's money like this and make this harder for us to have closure. We are on a very close time frame to make this matter stop, the money is on a hold and if the checks have been sent they need to stop payment. If this sadly does not happen for us, I sincerely hope this does n't happen to another family.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Said if i did n't pay they would have a sheriff at my house within minutes to arrest me

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (NV).
Issue: Loan servicing, payments, escrow account

Complaint: THIS REQUEST IS FOR U.S BANK N/A ( XXXX XXXX XXXX ) ONLY AND NOT FOR XXXX OR ANY OTHER COMPANY AFFILIATED WITH OUR NOTE, DEED OF TRUST OR GSR LOAN TRUST XXXX! 
FIRST ; WE REQUEST TO KNOW WHAT WAS THE DATE OUR NOTE/DEED OF TRUST WAS TRANSFERRED TO U.S BANK N/A, AS TRUSTEE FOR THE BENEFIT OF THE CERTIFICATE HOLDER IN XXXX XXXX? SECOND ; WE REQUEST DOCUMENTATION ON THE INVESTOR WHO U.S BANK N/A PROVIDED THE CERTIFICATE TOO AT THE TIME OF TRANSFER? 
THIRD ; SINCE XXXX, WHICH CERTIFICATE HOLDER HAS U.S BANK N/A BEEN SENDING FUNDS TO FOR OUR PROPERTY/ASSET, HOW MUCH AND DATES PAYMENTS WERE MADE TO THE CERTIFICATE HOLDER?

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
Consumer complaint received 08/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: We are trying to dispute items on my credit report that are involved in my son 's bankruptcy, filed on XX/XX/2015. In order to file a dispute, they require you to provide copies of your driver 's license, social security card, current bank statement and utility statement, plus another form of ID such as your birth certificate. They require all of this information to be sent through the mail, which opens up a very large door for identity theft. I do not believe it is safe to send all of these items through the mail and have never been required to submit more than two, whether physically or electronically. I refuse to put myself at risk, while understanding the need for verification. We ask for an alternative, or acceptance of two forms of identification, in order to have these disputed items removed.

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 05-09-2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: 1. XXXX XXXX XXXX # XXXX-Date Opened wrong-should be XXXX-thereby changing Status to be removed in XXXX 2. XXXX- # XXXX-Status date to going positive should be XXXX-as dated opened shows XXXX but actual date for rate modification was 3 years after this date. It took 2 years to receive this change. Change status - goes to positive to read XXXX. 
3.XXXX XXXX Paid and closed-over 10 years old REMOVE 4.XXXX- XXXX XXXX-Paid and closed-acct XXXX years old-REMOVE 5.XXXX- # XXXX-Paid and closed -over 10 years old-Remove 6. XXXX- # XXXX-Acct paid and closed-over 10 years old-REMOVE 7. XXXX XXXX XXXX XXXX # XXXX-Date opened XXXX-transferred-closed -REMOVE 8. XXXX XXXX # XXXX-Paid and closed -Old 10 years old REMOVE 9. XXXX- # XXXX-Paid and closed-old REMOVE 10.XXXX- # XXXX-Paid and closed-10 years old REMOVE 11. XXXX XXXX XXXX # XXXX-Old paid and closed-10 years old REMOVE

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 10/17/2016 about Debt collection (Credit card) with Messerli & Kramer P.A. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I know that I had owed a debt to a credit card, I worked with a lady at Messerli & Kramer to set up some payment plan. This was nice, it worked and I received a letter stating that I owed more than what our original debt was. I was confused as was the lady I worked with. She then stated that she would be looking into the situation and get back to me. She never got back to me, but sent a letter stating that I owed one more payment of the agreed upon amount. I then received another letter later saying I owed more money. I called and was confused as to why I owed more money, they stated that it was legal fees and that I did owe it, but would look into it and get back to me. I did tell them that if I did owe it I would like to work to settle this issue with a payment plan as the fees were more than what I could afford at the time. I never heard from them and assumed the issue was cleared up. More than a month to two months later I have now a {$40.00} levy/ garnishment levy fee attached to my bank account as of today. I do n't agree with this as I have attempted to contact them about finishing up these issue and nobody has returned my calls or sent any letters saying this is going to happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (WI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Wells fargo account number XXXX. I did purchase 2 gift cards for total of {$1000.00}. They were not given to me by the merchant. Wells fargo " resolved '' my dispute by stating since I did purchase the gift cards I must pay for them. Buy if I have never received them why I need to pay for them??? XXXX 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 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Please know after successfully completing a 60 month, 5 year pay plan for my XXXX XXXX XXXX. My case was officially recorded and XXXX on XX/XX/2017. 

Dept of Ed / XXXX XXXX was a creditor in my case as was paid a claim of {$11000.00} as part of the bankruptcy settlement. This information was confirmed by the courts stamped and recorded proof of claim ( POC ), and the courts Interim Final Report ( IFR ). 

I can not get XXXX XXXX to do a proper and accurate accounting of the {$11000.00} paid to them per the XXXX court documents. 

They say the have not been paid. However, the court documents say they have been paid as proof in the Trustees Final Report. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am writing in my complaint because I feel my bank does not want to review my file for a loan modification and is going to sell my property next Tuesday, XXXX XXXX. I was given the excuse that they needed 38 days to review the file which I find a little extreme because I did not even receive a legal notice that they home was going to be sold. I submitted a package on Wednesday XXXX XXXX which gave SLS 14 days to review my financial information. I also own other properties and have modified my other homes and neither of the servicers needed a package 38 days before a sale date. I am now on the brinks of losing my property because I will not be given a fair chance of having my file reviewed.

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 02/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Interstate LLC (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I moved from XXXX in XXXX XXXX and paid all debts off including XXXX XXXX. I began receiving mail and calls from XXXX trying to get over {$400.00} from me claiming I told them to put my account on hold for 9 months. I sent mail and called XXXX to tell them they messed up and I never asked for a " hold '' on my account since I did n't even know where we 'd be living let alone what tv or phone services we 'd need. We used XXXX XXXX while we lived in XXXX from XXXX XXXX to XXXX XXXX and I have a letter proving this fact. I recently found out XXXX sent me to Allied Interstate Collections and it affected my credit score. I 've explained this again to XXXX and the collection office and I 'll be sending the documentation to Allied as well. I WILL NOT BE BULLIED into paying any money I do n't honestly owe. Both XXXX & Allied tried to scare me into paying and I was very clear that I ALWAYS pay what I owe and that I would not pay them a dime. They are thieves.

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 05-08-2015 about Credit card () with CITIBANK, N.A. (GA).
Issue: Payoff process

Complaint: Have a best buy credit card, use there 24 months same as cash, the past 23 months paid XXXX in minimum payments, plus an extra XXXX towards outstanding balances, only XXXX has be applied toward the same as cash balance. 
Feel, I 'm being taken advantage of buy best buy credit services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (Medical) with Franklin Collection Service, Inc. (MS).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: It is true that an amount is owed for a medical bill, however the bill is greater than XXXX years old. I am told that the bill should only stay on my credit report for XXXX years and then drop off. I called the collection agency to confirm the date and they placed a date on the bill as if it were made very recent. Is this possible can they do this?

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XXXX/XXXX/15 I disputed several accounts on my Experian and XXXX XXXX credit reports. 
XXXX/XXXX/15 XXXX deleted XXXX accounts ; XXXX duplicate XXXX and XXXX collection accounts and XXXX old XXXX account XXXX/XXXX/15 Pulled Experian credit report which still shows the XXXX accounts above

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-01-2015 about Credit card () with WELLS FARGO & COMPANY (MD).
Issue: Other

Complaint: A complaint was filed with Wells Fargo regarding my daughter being associated with a credit card. Wells Fargo sent a letter to my daughter informing her of the deletion of the account and it being removed from her Credit File. I just recently discovered that during this process Wells Fargo changed the account number and then associated my name with my daughter 's Social Security Number. Also the letter referenced above and attached states remove the account ending in XXXX but my daughter and the credit bureau did not receive a letter to remove the newly created account number. The account that belongs to me was removed from my credit file and remained on my daughter 's credit file. This is causing a major problem because she was in the process of applying for a mortgage. So I am dealing with Wells Fargo associating my name with my daughter 's Social Security Number and I am getting pushed around from department to department, customer service reps in call centers that just read notes. Switching Social Security numbers is a serious issue that is now affecting us both. I am asking for Wells Fargo to first correct the social security number problem that was created by them ; get the account back in my social security number and have the credit bureau remove my daughter 's name from everything associated with this account which is what Wells Fargo said they would do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (Payday loan debt) with Rocky Mountain Recovery Group (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: This is from years ago, when I really need the money. It was only about XXXX dollars. Now they want to settle with over XXXX dollars. I said okay, but I cant do it now. He said it has to be done now. He is a legal courier for XXXX XXXX. Where I live. He left me a voicemail today threatening to come get me implying either arrest or something worse. His name is XXXX XXXX he has been calling me non stop and leaving these kinds of voicemails.

Company response to consumer: Untimely response
Consumer complaint received 01/15/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (WI).
Issue: Account opening, closing, or management

Complaint: Citibank is stalling and not paying a {$400.00} checking account bonus promotion. They state that they need my XXXX form. I have sent in two XXXX to the addresses they specify but they state they have never received them. This is in addition to unpublished holds on my money, delays on processing paperwork, and overseas support that is useless.

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 01-06-2016 about Mortgage (FHA mortgage) with PENTAGON FEDERAL CREDIT UNION (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Penfed acting as servicer of a XXXX mortgage refuses to cooperate with making the mortgage affordable contravening XXXX mission to prevent foreclosure. After a lengthy illness, lost of business, and divorce my income was seriously impacted. I asked PenFed to reduce the interest rate to make the property permanently affordable. A modification is a one-time event, I wanted to make sure I received XXXX that I could afford moving forward. PenFed continued an aggressive pattern of collection activity and refused payments unless it represented the entire arrears. PedFed misled me with respect to XXXX, I thought PenFed owned the loan, but it is XXXX. They continued a pattern of deception stating XXXX refused any action other than foreclosure and full payment. They offered what they considered a modification which was same terms as the mortgage note and payment, but basically charging the arrears back into the account. However, with the same mortgage payment and interest rate, I could be back into losing the property - so I request an modification that included the reduction of the interest rate to 4 % from the 5.12 %. The national standard at the time was 3.25 % - 3.75 %. PenFed I believe feels it is more profitable to keep the higher rate to the detriment of affordability. I can maintain my home if they would offer that. Instead they are auctioning my home with a balance of {$99000.00} left on the note. How does that make sense? The work contacted by the Massachusetts Division of Banking requesting they work with me a little longer, they refused. They told Massachusetts and me that XXXX never got back to them. After speaking with XXXX, they said the servicer can make the decision to halt and work with me. PenFed again refused. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Mortgage (Conventional fixed mortgage) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Settlement process and costs

Complaint: I have been notified tht Huntington Mortgage has filed a lawsuit against me. I have never had a mortgage with Huntington at all. 

I was the executor of the estate of XXXX XXXX XXXX who died in XXXX. At that time, I contacted the bank to receive information as to how to dispose of the property. 

I eventually was able to ascertain how to sell the property and then recontact the mortgage holder to sell the property in accordance with the inheritors wishes. 

The Huntington would not provide anyone with the accurate pay off balance and even after being contacted by the attorney handling the sale, would not provide any information to anyone. They filed a lawsuit to foreclose on the property on XXXX XXXX, when the property was sold on XXXX XXXX. The purchase was made in person to the Huntington Mortgage office located at XXXX XXXX XXXX, XXXX, Ohio XXXX I have received harassing telephone calls from Huntington Mortgage and they STILL would not provide the me the information necessary to dispose of the property. On the advice of cousel, we sold the property on XXXX XXXX XXXX and this was done via a certified cashier 's check.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (NC).
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: In XX/XX/XXXX I sent a certified letter to Diversified Collection in reference to them validating a debt. In this letter i asked for the the items that FCRA considers to be valid vaerication of this debt. In XX/XX/XXXX I received a letter from XXXX XXXX staying that they have spoke with XXXX and verified the amount owed. They also include a billing statement of the amount Im suppose to owe. Under the Fair Credit Reporting Act, 15 U.S.C. 1681 this is not a valid way to verify a debt. Under FCRA, 15 U.S.C. 1681 debt validation must include After receiving this letter, I sent another letter certified mail in XX/XX/XXXX. This letter stated that Under the FCRA, 15 U.S.C. 1681 a billing statement is not a Valid way of validating a debt. On XX/XX/XXXX I received a letter from XXXX XXXX with the exact same letter and the exact same billing statement as the letter I received before. By this company refusing to correctly validate this debt, along with continued collection attempts on this debt, and failure to remove this debt from my credit report they have violated my right under FCRA, 15 U.S.C. 1681. It has been more that 30 days since I asked for validation of this debt and Im seeking your help in forcing them to remove this items as required by this act.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (PA).
Issue: Credit decision / Underwriting

Complaint: We have a mortgage with Benefical Finance XXXX We have been attempting to apply for a HARP mortgage because our interest rate with Benefical is 8.8 %. In completing the application for the HARP loan- XXXX discovered that Benefical has never recorded our mortgage payments with the Credit Bureau . In order to have the best credit rating possible, we were asked to have Benefical report our mortgage payments to the credit bureau. They refused, stating that is not their practice and that they would not do so. We need to have our mortgage reported in order to qualify for the HARP loan. I s there any way we can get Benefical to report our mortgage payments. Our mortgage payment is substantial and it would benefit us greatly to have it reported.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Arbor Residential Mortgage LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was transferred to Seneca Mortgage Servicing LLC ( NMLS ID XXXX ) effective XXXX/XXXX/2016 from another loan servicer. The Seneca Mortgage Servicing LLC transfer letter indicated I could use my bank 's bill pay program for payments. However, Seneca Mortgage Servicing LLC rejected XXXX bank bill payments scheduled in XXXX 2016. I called Seneca Mortgage Servicing LLC Customer Service on XXXX/XXXX/2016 and XXXX/XXXX/2016 after the XXXX payments were rejected. The explanations provided by XXXX ( XXXX/XXXX/2016 ) and XXXX ( XXXX/XXXX/2016 ) in Customer Service were not consistent with the transfer letter. I was told by XXXX Seneca Mortgage Servicing LLC does not accept bill pay payments from the borrower 's bank for a newly transferred loan until after the borrower calls and confirms the loan and contact information. I was later told by XXXX my loan was flagged for research. These unique restrictions were not contained in the transfer letter or posted on the Seneca Mortgage Servicing LLC website. Seneca Mortgage Servicing LLC should have accepted my bank 's bill pay payments for a loan in good standing at the time of the loan transfer.

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