milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2017 about Bank account or service (Other bank product/service) with PNC Bank N.A. (DE).
Issue: Making/receiving payments, sending money

Complaint: XX/XX/XXXX I have an IRA with PNC Bank ( Investments ) in CDs at Acc. # XXXX XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 
XX/XX/XXXX & XX/XX/XXXX, I received the required minimum distribution ( RMD ) from PNC since certain funds were available in the Acc. as cash. 
XX/XX/XXXX, I received {$9000.00}, from PNC XXXX to the extent cash was available in the Acc. and the rest was in CDs. 
XX/XX/XXXX, I spoke with PNC agent, on phone, at which time I was told XXXX CD has matured a week ago, and the cash is sitting in the Acc. ( at a nominal interest ). 
As soon as I saw PNC statement for the period XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, I tried contacting PNC agent on phone and thru email ; after couple of days we spoke on phone and I reported the issue that 'I have not received the balance RMD due per the statement ( {$23000.00}. ) '. 
After 2 to 3 weeks of phone calls/emails, PNC sent me a check for {$23000.00}. as part RMD for XX/XX/XXXX which I did n't cash it, yet ; and requested PNC to send me a revised Form XXXX for the full amount of RMD. 
On, XX/XX/XXXX, in a phone call, PNC agent declined to issue a revised Form XXXX Thus, PNC is making me liable for IRS penalty of XXXX % on RMD : see what-else PNC did in this matter. And the issue is " who is responsible for the failure in RMD under this situation? '' On XX/XX/XXXX, PNC agent sent me a letter by XXXX which says we " will now consider this matter closed '' and attached a letter dated XX/XX/XXXX which says " If you have satisfied your RMD requirements for this year, no further action is required for this year. If not, you may have to withdraw your RMD by XX/XX/XXXX or you could face an IRS penalty equal to XXXX % of the amount that you fail to take '' I wrote to PNC " I did n't receive this XX/XX/XXXX letter, if you have sent it to me please send me a receipt to verify '' PNC always sends letters thru XXXX, never in US mail. So, PNC could n't provide me proof of delivery of this letter -- because, this letter was never sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Mortgage (FHA mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred to LoanCare, LLC on XXXX XXXX, 2016. I 've called 8 times to only wait over 40 minutes without being answered and there is no email contact to ask questions. I have NOT received any correspondence in the mail to set up my account or to know when my next payment is. Last time my mortgage was transferred I received account information the next day after the transfer. From other complaints and ratings about this company I 'm afraid of being scammed and having my credit ruined by such an unprofessional company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (MD).
Issue: Trouble during payment process

Complaint: I have been trying to correct the problem with Seterus, Inc. for two years. Back in 2015 around XXXX I made a payment and it was places in a suspense account. I contacted Seterus and I was told I needed to make another payment because it was placed as an over payment on the account and not towards my monthly payment. I was not willing to do so because why should I have to make double payment because your system XXXX XXXX my payments online. I have called and had people in the customer service say that they are going to look into this issue and never have. I want my late fees refunded and the amount corrected. I am tired of getting call at the end of every month saying my mortgage is late and in fact it is not!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: RE ; BAYVIEW LOAN SERVICING - LOAN # XXXX I am writing to you because I am tired and sick of Bayview Loan Servicing & XXXX XXXX phone # XXXX extension XXXX who is now refusing to help me with my modification request made over 6 months ago. 

I tried calling for the past 3 weeks and every time that I speak to someone from Bayview Loan Servicing they keep telling me that XXXX XXXX is on vacation and they do n't know when is she going to return back. 


All I ask for is help to modify my loan since Bayview Loan Servicing & XXXX XXXX phone # XXXX extension XXXX keep increasing my mortgage payment from {$2600.00} to {$3800.00}. I just found out that my monthly payment will be going up again to {$4600.00}. 


Please help since there people are taking advantage of me and my family. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
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 sent a complaint on the  XXXX  of  XXXX  already, experian is the credit bureau that made a statement about  XXXX  Americans make debts and lie to get out of it. I have tried on numerous occasions to prove to experience this is not my bill. No money was left, there was no estate the person passed and before passing was on government medical and retirement a very small income. I myself is on the same income except mine is a   XXXX   and   XXXX    XXXX . There was no accidental or life insurance polices. Why and how any  XXXX  got my name and information was fraudulent. I 'm not responsible for this bill and because of the remark about  XXXX  Americans is unfair and is   XXXX   which is against the law.

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. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax has continued to report, a chapter XXXX I filed in XX/XX/XXXX, that was dismissed because I did not pursue the protection I initially asked for..That was 9 years ago ..having said that they are the bureau continue to score me in very poor credit risk debtor In low standing, although I have long ago re established .. a good payment history credit history my low credit score does not reflect my ontime bill payment.. & if credit card use & Inquiries is the standard used to dictate score.. they should " Check with those companies or 'Report ' those bill paid up as of XX/XX/XXXX ' & mainly stop reporting me as 'Very Poor ' when it comes to paying my bills & correct my score to reflect my excellent record ..

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: the issue is not with a company.it is with the credit bureaus...seems that the amount of time an account has been in effect..counts for the score...credit bureaus show only i year for them...i have accounts since XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX etc..XX/XX/XXXX, etc.

if this is a factor in correct score..i need a correction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Checking or savings account (Other banking product or service) with BARCLAYS BANK DELAWARE (WA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: My identity was stolen in XXXX XXXX. As a result, several fraudulent accounts were opened up in my name, fake business names and my maiden name ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ). 
I retained the services of XXXX to restore many of them. i also filed a XXXX report as well as police reports on all fraudulent account activity. i also had to freeze my credit files at XXXX, XXXX and XXXX. So i am wondering how Barclays Bank could accept an application by a fraudulent identity thief at all on XXXX XXXX. My files are all frozen. i spoke to someone today and they will not close the accounts. they referenced this number : XXXX the phone number they provided me at XXXX was XXXX. 

i want any applications denied and closed as i have not nor did not apply for any banking product, loan product or service with Barclay Bank of Delaware. I also want to know how someone can submit an application to this bank when the real person 's credit files are frozen?

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 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, GA XXXX Phone : XXXX, eMail : XXXXXXXXXXXX Date : XXXX XXXX, XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I have approached Credit Reporting Agencies multiple times to correct the erroneously entered data such as delinquent, default, charged off, collection account etc. from my Credit file with them. Credit Reporting Agencies are refusing to remove the incorrect data from my Credit File. Credit Report reflects serious delinquency, and hence, my credit rating is severely damaged, affecting availability of credit from Financial Institutions.

Therefore, I request your intervention to rectify the situation at your earliest convenience. 

Thank you Yours sincerely 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 03-07-2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (HI).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with DITECH. I came out of XXXX XXXX bankruptcy on XXXX XXXX, 2016 and DITECH was notified of such on XXXX XXXX, 2016. However DITECH still has my account under bankruptcy status preventing me from being able to refinance. I had my attorney send DITECH a letter requesting change in status but there was no response. DITECH refuses to communicate with me. I need the status updated.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have repeatedly dispute and asked for verification verifying the validity of a account XXXX XXXX is reporting in my credit about an account original belonging to XXXX. I have NEVER had any account or did any business with XXXX. I asked for documents with signatures or proof this account belongs to me but have never received anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2016 about Credit card () with U.S. BANCORP (AZ).
Issue: Unsolicited issuance of credit card

Complaint: I applied for a credit card through DESERT SCHOOL XXXX XXXX They then transferred me to their third party ELAN FINANCIAL SERVICES. While discussing the product I applied for I realized it was not what I intended to pursue. At this point I requested to be transferred to someone who could help me withdraw my application and that is when they started to become really shady about the process. I spoke to a customer service rep named XXXX ID # XXXX and he transferred me to somewhere for a 30 minute wait and at the end of the wait they hung up on me without me being able to address my issue. I called back and was connected to a customer service rep who 's name was XXXX. I asked her for her ID # and she told me that she did not know it. So I asked her to get It for me. She placed me on hold for 10 minutes and came back with her ID # XXXX and told me she would transfer me to the correct place at this time I waited another 20 minutes on the phone and they hung up on me. On my third call back I spoke to a customer service rep named XXXX. When I requested his ID # he told me that his was not allowed to give me that information at all and placed me on hold. Now a manager named XXXX ID # XXXX heard what I wanted to do about withdrawing my application for credit and he was able to transfer me to the underwriting department. He got me on the line with someone named XXXX. I asked XXXX for his ID # and he told me that he did not have one but had a ID pin or something which was : XXXX I requested that they withdraw my application as he had confirmed that the card had not been issued yet. He told me that they could not cancel it until it had been issued. I asked to speak with his manager and he hung up on me. Upon every step in this ridiculous rabbit hole of a company I was asked to provide my social security number. As I was trying to resolve an issue I had no problem supplying it however these customer service reps can not provide me with their ID # .. This leads me to believe not only are they giving me the run around so that they can process the card and get an origination fee but are also being very carefree with my personal data. The professionalism and service of ELAN FINANCIAL SERVICES is nothing but predatory lending.

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 07/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: When I received my credit report. I was blown away when I say late payments on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.. I 'm not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thoughts is my monthly statements did not get to me.

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 12/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Williams & Fudge, Inc (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I would like to file a formal complaint against The XXXX. I had a balance owed at the end of the XXXX semester. A large portion of the balance owed was in a single line item entitled " QM-Unif BKS Supply Deposit ''. I requested a detailed accounting of that line item from The XXXX on a number of occasions and it was never provided. My mother made a similar request and made it clear to XXXX XXXX that I would not pay the balance without a detailed proof of debt. As a result, the matter was referred to a collection agency - Williams & Fudge. We worked with XXXX at Williams & Fudge and received the Proof of Debt on XX/XX/XXXX and immediately remitted payment to XXXX XXXX for the full balance owed. Now I have received an invoice for {$520.00} from Williams & Fudge for collections costs for which I do not believe I am responsible. 

If The XXXX had provided the Proof of Debt when requested, the matter would not have been sent to a collection agency in the first place. I believe The XXXX takes advantage of young college students and does not afford them the rights they are entitled to because they are young and inexperienced.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I noticed a debt on my credit report that was discharged in a chapter XXXX bankruptcy in XXXX of 2015. The debt has since gone to three different collection agencies. XXXX XXXX XXXX XXXX ( Original Creditor ) sold or placed the account after my bankruptcy. XXXX was very aware of my bankruptcy. ( See case no XXXX filed in United States Bankruptcy Court XXXX XXXX of California ) All of the other debt collectors that put the discharged debt on my credit report removed the debt without question. IQ Data ( new collection agency ) stated that they will not remove the debt. I provided them the case number yet they still refused. After doing a simple XXXX search, I found that this is common practice for IQ Data. I have now sent in a dispute and demand letter to IQ and all the credit reporting agencies demanding removal. I have also retained counsel to file a lawsuit against all parties.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/XXXX Payment was late, and was reported to credit agencies. 
- I wrote to XXXX about this. Unfortunately, I was out of the Country. The auto payment was canceled because of a fraud warning from my bank. When I returned I made all payments necessary. This was the only time I was late and when I spoke with customer service they said the notice of being late was returned via mail. As this was the first time their policy stated that If I wrote in to this group the late notice would be dropped. It was not. 
XX/XX/XXXX Collection/charge off - This is possible the MOST frustrating event of all. Another driver struck my vehicle and totaled it. The insurance company paid for nearly all of the remaining balance. The unpaid off amount was suppose to be paid by the GAP insurance I had purchased, however they were dragging their feet. I had placed several calls to XXXX  letting them know where we were in the process and CONTINUED making my monthly payments so that I would not receive a late charge. During one of the calls I made to XXXX I was told that payments would not help the total needed to be paid. I asked for two weeks to either get GAP to make a payment or I would. Despite XXXX saying that I would be fine to wait two weeks they reported this to the credit agency. I made a full payment om XX/XX/XXXX in the amount of {$2300.00} with a confirmation number of XXXX. Gap insurance has also made a payment since then. I have not been reimbursed for anything and at last check XXXX says I still owe money.

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 01/18/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Capital One continues to report an account that I discharged in a Chapter XXXX bankruptcy XX/XX/2003 ( 13 years ago ). It is beyond the 7 year reporting allowed by the Fair Credit Reporting Act. The BK case number is XXXX XXXX XXXX District of California.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is reporting a debt as having a balance of {$1500.00}. This account was paid in full as of XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I was not notified that my student loans were due back, and it has now affected my credit greatly. These loans are low balances that I have no problem  paying back, but I would like to discuss a possible dispute with payment? My credit score that I 've worked ver y long for has dropped over  XXXX  points because of something preventable. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (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: Began disputing these accounts as in violation of the provisions of the FCRA and the FDCPA in XX/XX/2017. 

XXXX XXXX XXXX XXXX ( Settled Account ( s ) ) Bank of America ( Settled Account ( s ) )

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax, XXXX  and XXXX XXXX are ignoring my request to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing has listed our home for foreclosure sale 4 times on XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Debt collection (Payday loan) with CURO Intermediate Holdings (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Speedy cash sold my file to XXXX XXXX XXXX XXXX. This was paid and has been disputed with XXXX XXXX several times. They reported on all XXXX credit bureaus, received an attorney letter plus has been disputed with all XXXX credit bureaus since XXXX 2011 and they refuse to remove it. Statute of Limitations in Texas is 4 years. They are a debt buyer illegally reporting

Company response to consumer: Closed with explanation