milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/24/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problems caused by my funds being low

Complaint: I open a check account for my high school Soon XXXX XXXX XXXX bank of America at the time we open the account we made sure that it was not allowed for the account to over draft or allow any aver payments but the bank has charge my daughter over limit fees and over draw fees I contact the XXXX Bank of America but no help, I ca n't afford to pay those unarguably fees.

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 02/17/2016 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Credit card protection / Debt protection

Complaint: I am college student and been in college for 4 years. I will graduate from college in XXXX 2016. I have XXXX credit cards with synchrony bank. When I applied for the cards it was GE. I have been able to pay the cards up until last year. I tried several times to enroll in credit protection with synchrony bank and was denied. They did n't offer it to me when I applied and when they changed banks. I am currently unemployed due to illness. I have been unable to get any help from synchrony bank and they have sent me to collection. I really need help with this issue because this has hinder my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Vehicle loan or lease (Loan) with LENDING CLUB CORP (NY).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I had sent a payment approximately XX/XX/XXXX for my auto loan that was due XX/XX/XXXX. For weeks I watched the account and my bank and had not seen the payment applied. When I reached out to the bank there was no record of my check received and no further information available. When I told the operator the issue they told me something was probably wrong with the post office. 
On the due date XX/XX/XXXX I called and checked online at both institutions and there was no indication and no information available that they received payment. I scrambled and used their high cost XXXX XXXX   powered module on the Lending Club website as a last resort to avoid late payments. 
On XX/XX/XXXX I come to find the check was deducted from my account as if it were presented on the due date in addition to the funds made payable through XXXX XXXX. I feel this practice is done purposely to inhibit prepayment and to keep the clock ticking on the interest until the last possible day. I feel this is an infringment on my right to prepayment without penalty and is a deliberate action of the institution. 
The bank is Lending Club. Their address is XXXX XXXX XXXX XXXX Texas and my account # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Bank account or service (Checking account) with PNC Bank N.A. (MI).
Issue: Account opening, closing, or management

Complaint: I was looking to open a new bank account so I could save for specific things in different accounts. I XXXX good banks with promotional offers now, because I figured if I was going to open a new account I might as well get extra money to kick start my saving! I found two reputable banks with good promotional offers that I could meet the requirements. One of these was PNC. They offered a {$400.00} bonus for opening a checking account and making direct deposits plus paying a bill online. It sounded good, but I wanted to check that I met requirements so I called a rep who assured me I did, and to apply through the link. I met the requirements within 60 days and even did a web chat with a representative to check I met the requirements. When I still did n't get the bonus I called and they said they had no record of this offer on my account and to take a printed copy of the offer to the bank in person. I did this and the manager of the branch submitted an escalation request because she confirmed I had the offer in-hand and met the requirements. The escalation was denied, because they said this was for existing PNC customers, and this was my first PNC account. I can understand this ; however, what I can not understand is that I called/web chatted/went in person not one, but 3 different times to ensure that I 1 ) met requirements prior to opening account 2 ) met the direct deposit and bill pay requirements after account was opened and requirements met 3 ) took offer into the bank who again confirmed I met the requirements and met the offer and read through offer multiple times. If 3 of your staff members assured me that I met all requirements, then I do n't understand how you ca n't honor the bonus payment. Also, I recommend you retrain staff on requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: This Complaint is intended as means to clarify my contention that the XXXX laptop computer I purchased from XXXX on XX/XX/XXXX is intended as more or less a disposable toy designed to generate as much revenue as possible for XXXX and its myriad partners, largely -- but not entirely ( the system battery is by no means intended to be accessible to users, as I have yet to even locate it ) -- owing to the absence of adequate cooling for the device 's Central Processing Unit. As seen in the attached photo, the customary cooling configuration for laptop computers involves the use of CPU paste ( not visible in the photo, but assumed to be present ) and an exhaust fan which sucks air through its top and blows it out the side air vents of the laptop, while also funneling air to the CPU via a flat copper rod. While the this configuration may well suffice for an XXXX CPU whose maximum speed is 2.4 GHz, it can not adequately cool an XXXX CPU whose nominal speed is 2.4 GHz -- designed to operate at speeds as high as 3.3 GHz -- as is the case with the XXXX XXXX mobile CPU that powers my device. This explains why my device is not reliable for anything more CPU-intensive than email, as the device will invariably crash when used for extensive multi-tasking of any kind or intensive video rendering. 

Moreover, the device is recycled and fraudulently advertised as retail, as XXXX has persistently failed to provide me with an explanation for the six-month discrepancy between when my laptop computer was manufactured on XX/XX/XXXX and when it was allegedly received ( and subsequently registered with the manufacturer, XXXX ) on XX/XX/XXXX by the supposed distributor, XXXX XXXX ( XXXX ), given the precarious and short shelf-life of laptop batteries. As recently as XX/XX/XXXX, I presented Citi with an offer to be forwarded to XXXX that I would reduce the amount of the dispute in question from {$370.00} to {$50.00} if XXXX were willing to demonstrate that the relevant issue at work with the dispute in question is shoddy ( as opposed to fraudulent ) distribution by procuring from XXXX a replacement device that can be verified as having been manufactured within a month of being delivered to me. Thus far, Citi has failed to even acknowledge receipt of my offer, which I resubmitted today via fax.

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 05-12-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (WA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: We have a l ocal Toys 'R ' us credit card. We had a balance t hat we believed we paid in full, we called and paid {$300.00} and change for that purpose. Somehow there was a balance that hit the card after, we at best, were told perhaps a billing charge was applied after we paid. That {$6.00} charge sat on the card for over {$30.00}, we did not know it was there and it dinged or credit harshly, dropped  XXXX  pts.     My family has worked for years to keep our credit rating up and have n't had a late payment on anything for years. That {$6.00} hurt us like it was hundreds or thousands and should have never been on the card in the first place.     We want the report struck from our credit. We are furious. We just paid the card and are waiting for the balance to clear and cancelling it. This was absurd.

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 05/22/2016 about Credit reporting () with Experian Information Solutions Inc. (DE).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I 'm trying to pull my annual free credit report online, and so far it 's taking about XXXX45 minutes to actually generate an Experian report. My screen says, " Please wait while we retrieve your report. '' If their system is frozen this will negatively affect my ability to get my free report. I have n't even gotten to the other XXXX reports yet. This is unacceptable.

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 09/27/2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Two years ago I made a Trust Deed Investment to someone in a group of Real Estate Investors and I insisted that the loan be against a property in California, XXXX XXXX XXXX, XXXX, Ca. XXXX,. As it turned out the investment group was involved in a XXXX scheme. I wound up foreclosing on the property because they stopped paying the interest on the loan. The XXXX loan is held by SLS llc. The XXXX loan was made to XXXX and XXXX XXXX-the people I foreclosed upon. SLS LLC refuses to put the XXXX loan in my name, even though I paid up close to {$19000.00} to get the loan current. SLS LLC keeps telling me that they will only release information on the XXXX loan if the XXXX give the ok. Because I foreclosed on them, this will never happen. SLS LLC will not accept my new insurance on the property, will not put my name on the first, and will not communicate with me. I have sent registered letters to the CEO at SLS LLC headquarters, XXXX XXXX, on XXXX, 2015 as well as XXXX XXXX , V.P at SLS LLC . I also sent a letter to SLS LLC Headquarters and faxed a copy to them just to make sure. They replied with a statement that they could not identify the associated mortgage loan with the information provided-I provided the address of the property on the first line of my letter to all of the above, i.e. the XXXX, the XXXX, the headquarters fax as well as mailed letter. 
XXXX XXXX received the updated trust deed information to confirm my acquiring of the property-yet they have refused to put my name on the property and the first loan. They will not even refer me to a supervisor as I have requested. They are the worst mortgage company, or any type of consumer company, that I have ever communicated with. Now I do not know how much the monthly mortgage payments are, and the mortgage is due on XXXX XXXX, 2015. WHAT AND HOW MUCH DO I SEND IN TO COVER THE MORTGAGE????? 
Included are trust deed affirmation in my name, the letter I sent to SLS LLC -the CEO, VP and Faxed and mailed to the company. Finally, in the letter is the civil code which shows that am legally, in the eyes of the law, the new owner of XXXX XXXX XXXX, XXXX, Ca. XXXX. All this info was in the letter-yet SLS LLC stated they it was not in the letter. They did nothing to rectify this problem. I have since gone on the internet and the complaints against SLS LLC are numerous and all the people dealing with them have had similar or the same poor if totally lacking service from this company. PLEASE TAKE ACTION ON THIS COMPANY ASAP. This is my second complaint to you and have had no luck in even basic communication with this company, even though I have included my phone number in every communication, as well as address. 
Thank you, XXXX XXXX XXXX XXXX XXXX, XXXX, Ca. XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I am writing to dispute the following information in my file. 
Account Name : CHASE MTG Account # : XXXX Loan # : XXXX 1. XX/XX/XXXX report XXXX late payment 2. XX/XX/XXXX report XXXX late payment 3. XX/XX/XXXX report XXXX late payment I am requesting that the item be removed to correct the information. 
I have scheduled ACH payment of {$1700.00} that applied to my loan XX/XX/XXXX and pay all my payment in the from XX/XX/XXXX On XX/XX/XXXX XXXX add escrow account to my loan and payment increased from {$1700.00} 37 to {$2700.00} Called XXXX to remove the escrow from my account so I can pay back the {$1700.00} 37 for XX/XX/XXXX payment they remove the escrow and pay XX/XX/XXXX of {$1700.00} 37 On XX/XX/XXXX the report XXXX late payment ask them to remove it ant is never append On XX/XX/XXXX, Again the add escrow account to my loan and payment increased from {$1700.00} 37 to {$2700.00} effective XX/XX/XXXX Called XXXX to remove the escrow from my account so I can pay back the {$1700.00} 37 This a have problem to remove.! and pay payment and on XX/XX/XXXX the payment increased up {$5500.00} after talk to the on the phone and to direct to my bank And wasting a lot a lot a lot of time I decide to pay full amount of the mortgage I called them asking for payoff amount they say they 're already send the payoff to a different company XXXX so I called XXXX to and I pay the Full amount of {$210000.00} and they close the loan. on XX/XX/XXXX, they are reporting XXXX and XXXX-day late payment on my credit effective on XX/XX/XXXX and XX/XX/XXXX Payment. called him and asked him to remove it after all the problems I 've been through they say they will and then they send this letter to contact the credit reporting agencies to explain the late payment to update your credit report On XX/XX/XXXX

Company response to consumer: Closed
Consumer complaint received 03-12-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AR).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I 'm not able to pay on my loans because I have a XXXX issues to where I can hardly work a full XXXX well job. I need help with this I would like to repay even if it 's a small amount or something out my taxes every year like XXXX % of my loan until paid off. Can someone help with this

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-06-2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent a letter XX/XX/2015 questioning my credit report and some of the accounts reporting. They sent me a letter basically calling me a liar and saying my letter was suspicious which make no sense as I followed the directions on their web site and included copies of my military ID, drivers license, social security number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2015 about Credit card () with TD BANK US HOLDING COMPANY (FL).
Issue: Rewards

Complaint: I applied for TD Bank XXXX card on XXXX/XXXX/14. They had an offer ending XXXX/XXXX/14 stating that I should receive {$100.00} in cash back rewards after spending {$500.00} or more within first XXXX days. I have spent more than {$500.00} within that timeframe, but have never received this bonus. I have already filed a claim to CFPB and TD Bank replied that XXXX points were credit on my XXXX 2014 statement. But that response was incorrect because there is no XXXX points credit on my XXXX 2014 statement. My XXXX 2014 statement only includes 5 % cash back from spending categories XXXX purchases at grocery stores and gas stations XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Flurish Inc. (OH).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I contacted Lendup  Card Services to close my account and was told I was not allowed to close my account.

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 11-08-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Struggling to pay mortgage

Complaint: Called staff XXXX, XXXX agent no information from agent told Ombudsman office handling account left message to have some call me about account issues. 
XXXX Ocwen XXXX, asking XXXX to have agent handling account to call me as customer service could not talk about account. No rep from a Ocwen has called. 
Received doc requesting proof of payments. We sent docs XXXX to Ocwen verifying XXXX / Ocwen issues. Informed the docs were destroyed, per their 5 year rule to maintain records. Despite XXXX XXXX Supporting docs, transferring information / files from previous servicer would be maintain. 
Ocwen XXXX XXXX is a constant predatory and unfair servicer with many facillies in servicing loans, even simple communication.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Debt collection (I do not know) with CITIBANK, N.A. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Bloomingdale calls several times each day about a store account. I told them on numerous ocassions that I do not have an account with Bloomingdales and that that my mobile number is a new number and they must be looking for the previous owner of this number. They are relentless and continue to call 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 non-monetary relief
Consumer complaint received 01-06-2016 about Payday loan () with ACE CASH EXPRESS, INC. (CA).
Issue: Payment to acct not credited

Complaint: I repaid a loan to ACE Cash Express in 2011, I have not heard anything from them until today, they called me to inform me that their records shows that I have not re-paid the 2011 loan. They say that they have been trying to contact me about this but I have not received anything ( no mail/ no calls ) until today. I did not save my receipt but I know for sure that I re-paid this loan and I am not being credit for it. Please assist me with dealing with this Company that is now threatening me, Thank you in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Numerous calls to my cell phone and my wife 's. She is not on the account and they told her she was which is a lie. 
Called on my cell phone # 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 Called on my wife 's cell phone # XXXX/XXXX/XXXX @ 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 non-monetary relief
Consumer complaint received 08/23/2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: US Bank has frozen my accounts ( XXXX ), beginning from on or about XXXX XXXX, 2016 to present without providing any cause of their action. I have received no written documents or phone calls from US Bank representatives giving reasons for freezing my accounts. I have visited branches I do business with on several occasions in the XXXX area and they are not able to give me any justification or even the responsible party that locked me out of my accounts. To date there has been no attempt on the part of US Bank to contact me regarding why these accounts have been frozen. I am a single XXXX XXXX veteran with XXXX who face extreme financial problems if this matter continues further with US Bank.

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 10/21/2016 about Other financial service (Debt settlement) with Brelvis Consulting, LLC (PA).
Issue: Disclosures

Complaint: The Student Loan Help Center XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX Ph : XXXX Fax : XXXX This company is claiming to consolidate my loans, a service that can be done for free, they also said that I could transfer my loans back to a provider of my choice at anytime. They are now going to charge me XXXX installments of {$260.00} for services they have not completed yet and that are at no cost through my regular provider. They have threatened that If I do not pay, it will be sent to collections. I have already paid XXXX installment of {$260.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/XXXX i lost my job by the company i work for doen sized. I had my morgage with springleaf and they sold my morgage to nation star. i got behind in my payments so they sugested a loan modification so i agreed. on XX/XX/XXXX it was done had to make qualifing payment of {$1200.00} for starters then XX/XX/XXXX making payments {$100.00} principal & interest and {$89.00} escrow. i made my payments of {$200.00} from then till XX/XX/XXXX i had got serveral letters from them saying i was makeing parciel payments i called XXXX said it was a misstake then wad looking at old loan. i received a call from XXXX telling me he was sending me a paper to sign where they had a made a mistake on my loan. I receives the paper sighned it and sent it back. to make a logn storie short now my payments is XXXX plus. they sent me back and check for {$92.00} AND A CHECK FOR {$400.00} ONE TIME. I DONT UNDERSTAND ANY OF THIS AND NEED ALL THE HELP I CAN RECEIVE. THANKS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Payday loan () with Midwest Recovery Systems (LA).
Issue: Charged fees or interest I didn't expect

Complaint: I had a online payday loan with XXXX a few years ago after making several payments, I fell behind on making payments. I started to get harassing phone calls at home, work and also friends and family started getting calls regarding this loan after a while they stopped. On XXXX 2016 I noticed a collection on my credit reports from Midwest Recovery Systems for {$1300.00}, they never sent me any paperwork validating the terms of this loan or the amount owed. I only borrowed {$500.00} and I paid most of that back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation