milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/25/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (MD).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: I opened up an account at pnc bank. I made it crystal clear at the time. Do Not gouge me with fees. The whole purpose of opening the account was to get away from another bank that was stealing from me. I sent after they stated gouging me to close my account and send me the balance. They close the account and kept the money. them a letter stating this and to close my account. They kept the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/19/2017 about Student loan (Private student loan) with NELNET, INC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: First off, I want to note that I am " escalating '' this to the level of the CFPB immediately as it is directly related to a claim I had to make in ~XX/XX/XXXX-XX/XX/XXXX that ( I 'm finding now ) was incompletely resolved. 

My loan with XXXX entered repayment on roughly XX/XX/XXXX. I signed up for automatic payments on XX/XX/XXXX for which I have email confirmation, including that my first automatic debit would take place on XX/XX/XXXX ( the day the bill was due ). The first bill, however, was for {$50.00} ( more than the minimum I owe each month ) with a {$30.00} late fee assessed. When I asked the company how I could possibly have a late fee assessed on my very first bill generated from them, they actually responded by telling me that they do not assess late fees. When I pointed out the irony of this situation, they insisted that it must be that I had made an underpayment -- until I got them to actually lay eyes on the bill that very clearly labels this extra {$30.00} as a late fee. Finally, I got someone to review the account to determine the origin of this late fee. The first person I spoke to reviewed everything he had -- dating back to XX/XX/XXXX -- and could not find any source of the late fee. Instead of dismissing it, he said he would have to file a case to put it under review. Apparently they tried to contact me some time later, but I do not have record of that contact. In the mean time, I began receiving up to 5 phone calls a day telling me I was delinquent in payments. Today, I finally got someone to review the " investigation '' and she told me that I had late fees assessed ( I believe ) in XX/XX/XXXX and XX/XX/XXXX. In fact, I was still a full time student during that period. 

The way this relates back to a previous claim I have made is that around that time I briefly transferred schools to complete a XXXX XXXX degree " in the middle '' of my XXXX education. In that process, my name was somehow deleted from the national registry of students and all my loans entered repayment at once and began to be harassed literally all day long for repayment having to recount my story at least 5 times per day to deaf ears. It seems to me that this late fee must have been assessed at that time and was never reversed when my case was first handled.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TN).
Issue: Struggling to pay mortgage

Complaint: I requested a mortgage modification XXXX for my house from Carrington Mortgage. Carrington Mortgage was processing my modification request and moved forward with foreclosing on my property XXXX XXXX XXXX XXXX TN XXXX and they foreclosed onXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Specified Credit Association, Inc. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I used a health club XXXX under a coupon for a free week of trainings. During that first week, I liked it the second day so I asked for a membership and was told the contract would n't start until the week was up. On the fourth day, I XXXX at work. I could no longer attend the gym. I went in and filled out a form saying I am canceling my contract. Two months go by and I start receiving calls from the collection agency non stop all hours of the day claiming they never found the papers saying I ended the contract and I owe the full amount due. I spoke to the manager of the gym who says he has no idea what I 'm talking about, and its the collection agency 's problem now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
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 submitted all required documents to place a fraud alert, fraud account block on my report and equifax refuses to comply with the FCRA and/or FTC laws and placing this account block, every piece of information they requested was faxed and done twice, and this case is a refusal by this company, equifax to comply, and was told it was there policy, this is not a normal dispute, this is a serious matter that they are breaking laws and will face suit in XXXX XXXX, Mississippi within 15 days if they are not made to comply with the laws to protect consumers as which they are simply ignoring and are not made to abide by. I want this file blocked per ; The Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( " FDCPA '' ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Equifax is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request ( dated XX/XX/XXXX ). Equifax has violated the FCRA 30-day-to-respond regulation ( As of their XX/XX/XXXX frivolous request for id info, any subsequent investigation will put them past 30 days ). The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see Please see enclosed documents ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XX/XX/XXXX I paid {$1500.00} to my Regions Visa credit card through my Regions online banking account. The " deliver by date '' was XX/XX/XXXX. A minimum of {$40.00} was n't due until XX/XX/XXXX. My payment of {$1500.00} was withdrawn from my Regions checking account on XX/XX/XXXX. A week later, I received a paper statement claiming that they did n't receive payment until the XX/XX/XXXX. I called my Regions credit card with proof of timely payment. They apologized and removed their faulty fees. 
The following month, an almost identical situation occurred, only much worse. Not only wo n't they remove faulty fees, but are also attempting to charge interest for previous month 's balance which had been paid in full before the due date. I produced the proof of payment withdrawn from checking account along with confirmation number.

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 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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 was told by both Transunion and XXXX Credit Bureaus that the Unites States Bankruptcy Court Verified a Discharged Bankruptcy on my Credit Report when I disputed Information contained within. I in turn wrote and asked the United States Bankruptcy Courts to please explain their Verification Procedure and I was given a Letter that they, the United States Bankruptcy Courts " Do Not Verify '' Discharged Bankruptcies with any Credit Reporting Agency, Businesses, or and Data-mining Collection Agencies.

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 06-05-2017 about Debt collection (Medical debt) with Overton, Russell, Doerr and Donovan, LLP (TX).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: There is are  XXXX  items on my   XXXX   report from  Overton, Russell, Doerr and Donovan, LLC in the amounts of {$180.0 0}, {$180.00}, {$150.00}. This company is not bonded to collect debt in the state of TX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (NM).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX wrote a mortgage to me for purchase of a home, then assigned servicing responsibilities to PHH Mortgage services. 
I changed the mortgage date on their website from the XXXX to the XXXX, but the website said that this would have no impact on the XXXX payment. I called PHH to attempt to fix this twice, and both times they said that they have no capability of changing the date for the next collection if the request is made after the XXXX of the month before. 

I will remind that this is not a technical limitation because the actual speed with which the systems responsible for this process talk to each other is 300,000 kilometers per second, or about 6 orders of magnitude faster than their stated capabilities. Also, as a XXXX XXXX, I can state that dealing with any software issues could be done by a single developer in half a day. 

This problem exposed a far deeper problem, which is the lack of ownership. PHH has no motivation to provide good customer service because the ultimate customers are never consulted in account assignment. Why fix a problem if it 's cheaper to force NSF charges and then collect the revenues?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have tried to obtain my credit report and was told the information I provided does not match the information on file with the credit agencies. I contacted my bank and was informed that someone had submitted an inquiry, but was not able to access my information due to not having my security code.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX XXXX XXXX 2016 I lost my purse. Someone got a hold of my wallet and took money from my account. The amount was {$1900.00} and the bank does not want to give me the money back. I sent in a police report and they are still denying 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 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Contacted XXXX XXXX XXXX XXXX on XXXX XXXX2018 @ XXXX. I spoke with XXXX XXXX in the XXXX North Carolina office in regards to a vehicle that does not belong to me appearing on my credit report. She stated that she have no account based on me providing my social security number along with my first and last name and address. She asked for my social security number and I provided my social XXXX she stated she had nothing that matched my social security number. She advised me to contact XXXX XXXX from the Recovery department telephone XXXX, I contacted XXXX XXXX at XXXXXXXX XXXX, per XXXX XXXX there is no information based on the social security Address or name provided.. XXXX XXXX advised me to reach out to the credit bureaus which have been done on several attempts but this still remains on my credit report. This account does not belong to me and I would like for this acct to be Deleted immediately. This has damaged my financial state. Please delete Not my account. Delete from all bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/16/2015 about Debt collection (Credit card) with DISCOVER BANK (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: i 'm working with a debt settlement company XXXX, inc. but Discover calls XXXX my work phone XXXX XXXX -XXXX times a day everyday.i have told them i 'm working to settle my debts with them. but they keep calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I recently contacted Chase, a third party ( Equity Accelerator Program ) that was taking payments on my loan and forwarding to XXXX XXXX. I needed to stop the automated withdrawals according to XXXX since I was on my last payment and they would not accept an automated payment for the last payment. Chase requested my husband 's social security number in order to stop the payments ; however, my husband is not on the note and never has been, he is only listed on the mortgage since we reside in Florida. I tried to explain this to them and they refused to stop the withdrawal. I do n't think this is acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: This is intended to supplement my complaint, Case Number : XXXX, which I submitted earlier today. 
Ocwen claims that it updated the information which it reported to the credit reporting agencies but, except for XXXX, there is no change related to XXXX & XXXX. And, based upon a report which I received today from XXXX and which is dated XX/XX/2015, the account still remains open, with a past due amount of {$1900.00} as of XX/XX/2015. Now there are two late payments entered, one for XX/XX/XXXX and one for XX/XX/XXXX. Concerning the reporting data by XXXX, my credit score which before those illicit negative reports by Ocwen, which was at XXXX is now at XXXX, which effectively is a costly decline in terms of financial credit worthiness. Concerning, XXXX & XXXX, my credit score with each has been lowered to XXXX from XXXX and that has already been translating into significantly tangible impaired credit worthiness for me by denial of credits from banking services. These matters will most likely bring about a lawsuit against all of these financial entities : Ocwen, XXXX and XXXX, which are gratuitously harming my credit worthiness and their costly consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX my Credit cards was compromised, taken over by an identity theif ... as well as my email was hacked. 
I contacted the CC and reported this. I also put an alert onto my credit through you. I recieved my credit report and see that you have the HACKERS address listed as mine. 
The Theif 's address is : XXXX New XXXX XXXX XXXXXXXX XXXX ( address ID # XXXX ) I have NEVER lived XXXX, nor do I have friends or family there. 
I have lived XXXX for the past 27 years, and XXXX where I own a home and have lived for over 10 years at the same address : XXXX XXXX XXXXXXXX. XXXX am NOT moving. 
Please remove the XXXX address from my report IMMEDIATELY as that is the identity theif, Not me. 
I just call the CC to see why I did nor recieve my new CC, they said the Hacker/Theif had gone in and changed my address and mothers maiden name AGAIN. 
Because you have the error address on my report, this theif may be able to get into all my accounts. 
I spent a whole day trying to fix this and calling all my accounts on XXXX, and the theif has already gone in again and changed my info. 
PLEASE help! I am no a wealthy person and can not afford to loose money or credit. Thank you, XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX N/A XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My Experian credit report and XXXX XXXX show an address of XXXX XXXX XXXX . XXXX . XXXX, XXXX XXXX XXXX, FL XXXX. I have never lived in Florida. This address has been used by someone trying to open accounts under my name and identifying information. This needs to be removed from my credit history. My credit report also shows hard inquiries by XXXX. I have never applied to XXXX for an account. This is the reason I have fraud alerts on my credit reports. These need to be taken off my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (GA).
Issue: Application, originator, mortgage broker

Complaint: In attempt to take advantage of HARP i 've been attempting to get my home refinanced. My existing mortage holder ( Seterus ) has done everything to put up obstacles to prevent me from doing such. The latest is for my Loan Payoff, submitted my first request through my new mortgage provider ( XXXX ) on XXXX/XXXX/2015 and we still have not received the payoff that we requested and at least 3 other attempts have been made for figures. My closing was set for Friday, XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Bank account or service (Checking account) with AMERICAN EXPRESS COMPANY (CO).
Issue: Using a debit or ATM card

Complaint: I use American Express Bluebird for my direct deposit for payroll. I have been a victim of fraud on my Bluebird card in the past. The result was waiting 45 days to get a credit. I was evicted with my children because I could not pay rent and the fees added up to more than I could pay. I told Amex that there were never to be internet charges again. Yet, today, XXXX XXXX, 2015, my card incurred internet charges of $ XXXX XXXX , {$250.00} XXXX XXXX and {$5.00} XXXX academy. I did not make these charges or authorize anyone to make these charges. 

Now, once again, Amex says that I have to wait 45 days for a refund. I will be homeless once again. I ca n't pay my rent. I have half and the landlord wo n't take half. My children and I will be homeless again.

Company response to consumer: Closed with monetary relief