milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Made payments with minimal reduction on the principal. The current principal amount is higher than the month prior after making a payment. Also receive conflicting information When discussing lower payment options with customer service. Forbearance was recommended when we were having trouble making the monthly payments instead of lowering the monthly payment amounts or lowering the interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Around   XXXX   2017 I received an email with a promotion being ran by Capital One I answered my information as outlined in the application and received a quick response that I was approved for a   XXXX   credit limit and {$300.00} credit limit the cards took about a week and a half to come when I got the cards I called to activate and was told the cards have been restricted do to some fraudulent activity but it is the fault of the card issuer they deeply apologize and say that several people received an offer they were not supposed to and they had to cancel the accounts my question is is n't that discriminatory my credit is my credit regardless of their offer they said that I could reapply which I did a couple times and was quickly denied because I had a pending or previous application with them but I was only following what they were asking me to do so I want to know how does my credit give me approved through a promotion and then without the promotion it does n't so who are they marketing this promotion to what demographic of people.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: All Navient does is call all the time demanding money and threatening economic harm if they do n't get it. They wo n't send me the log in info I need to get into their website, they wo n't give me a straight answer to my questions on the phone and they insist on humiliating and harassing me by refusing to get to the point until I answer all sorts of personal questions, as if an identity thief is going to succeed with anything by talking to their collection dept. Please give me another servicer, I am so close to not caring anymore about default because of Navient 's abusive conduct. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Bank account or service (Savings account) with PNC Bank N.A. (PA).
Issue: Problems caused by my funds being low

Complaint: I subscribe to overdraft protection from PNC Bank, but even with this they charge a {$5.00} fee if it is used. On XXXX/XXXX/15, in the evening, I noticed that a few purchases I made ( but did n't post yet ) placed me at - {$46.00}. Knowing of the {$5.00} fee that is assessed, I transferred all {$300.00} from my savings to my checking Sunday night. Apparently, later that evening or Monday morning the overdraft protection transferred {$46.00} to checking. But, since that money was already transferred - by me - my savings reflected a - {$46.00} balance. 
I did n't realize this until today when I also noticed, for the last XXXX days ( and it would have continued had I not transferred money ) that PNC was charding me {$7.00} a day ( my balance in savings as of this morning was - {$60.00}. 
How can they charge me for a situation they created? Why would their system allow a transfer from an account that had {$0.00}. I feel it is unfair and a complete money grab.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-03-2016 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Sale of account

Complaint: XXXX XXXX sold Citgo gas cards to Synchrony Bank and did not forward the payments received. I have had my bank forward proof of payment several times and have spoken to XXXX and SYNCHRONY BANK but it is still not resolved! I have been charged late payments and interest. 
From XXXX BILL PAY. 
XXXX/XXXX/16 {$40.00} XXXX/XXXX/16 Delivered Electronic Payment XXXX/XXXX/16 {$27.00} XXXX/XXXX/16 Delivered " " XXXX/XXXX/16 {$55.00} XXXX/XXXX/16 Delivered Electronic Payment

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 11/20/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: This is an update to a previously submitted complaint ( XX/XX/XXXX ) regarding multiple violations during the mortgage refinance application process and refusal to properly release the appraisal. I have an updated request due to the time limitations ( if action is not taken soon, appraisal will expire ) as well as Wells Fargo 's failure to communicate in a timely manner. Per my last conversation with Wells Fargo representative on XX/XX/XXXX, I was to receive an update by XXXX on XX/XX/XXXX. That did not happen, adding to the pattern of habitually late responses. Therefore, if appraisal is not completely released ( per guidelines already discussed with Wells Fargo ) before it expires, I am seeking financial damages in the full amount paid for the appraisal.

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 11/20/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I need access to my financial data and CapitalOne is n't allowing me access.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Checking or savings account (Checking account) with U.S. BANCORP (MN).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: US Bank issued me an escrow overage refund check in the amount of {$1600.00} on XXXX XXXX XXXX. The check was lost and never cashed. I recently found the check and contacted US Bank on XXXX XXXX XXXX requesting the check be reissued. US Bank denied the request and told me to contact The Minnesota Department of Commerce,  Unclaimed Funds. I reached out to them on XXXX XXXX XXXX via email and was sent a response stating that they have no record of these funds ever being submitted to them. I reached out to the Minnesota Department of the Attorney General on XXXX XXXX XXXX and was encouraged to reach out to the Consumer Financial Protection Bureau for help. 

Thank you very much for your time and attention!

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 05/15/2015 about Credit card () with PENTAGON FEDERAL CREDIT UNION (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Last year I applied for a credit card from PenFed Credit Union. I never got the card. I believe it went to the house next door to me. On a Sat I got mail and did not open it until Sun. Thats when I saw a bill saying that I owe almost {$3000.00}. I called PenFed and had them lock down the account but their was only about {$300.00} left to charge on the bill. They told me to call on Mon. when the office was open. I told them the card stolen, and the almost {$3000.00} was not mine. PenFed made sure the account was locked down. They said they where going to issue me a new card. I never got it. I called and emailed them three or four times, to tell them what I think happen to the card. The last email I sent said they would forward it to the appropriate department. Thats all I hear from them. When I went to do a HARP loan I found out, I fould out in my liabilities PenFed said I had a debt of {$2900.00}. So even though I have given them all the information on who I think the card went to, they did nothing. I still have the XXXX emails I sent them last year. I told them who I think used the credit card and got nor response. All they have to do is see who called in the order, and where the merchandise was sent. This would answer everything. I told them I did not get the credit card, had them lock it down as soon as I found out, but they put the debt on me. I want is for them to remove the {$2900.00} from the XXXX credit agencies. If they do n't want to go after the people that took the money, and I told them where I thought it went thats their problem not mine. Thank You very much. I do at lease have one of the emails I sent PenFed last year. ( I NEVER GOT A CREDIT CARD, ONLY THE STATEMENT THAT HAS XED OUT NUMBER, I HAVE NO IDEA WHAT THE NUMBER IS, THEY NEVER SENT ANYTHING WITH THE CREDIT CARD NUMBER ). ( Member No. XXXX XXXX Account ( 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 10/17/2017 about Debt collection (I do not know) with Valentine and Kebartas, Inc. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: It is absolutely ridiculous that I am being harassed by this company. I was called on XX/XX/XXXX and would not even be given any information about why I was getting this call. The only thing they would tell me was that I was put down as a number for my mother. When I took down the contact information of who had called and told my mother, she informed me that it was a collection call, that I had, in fact, been put down as a character reference and not someone to contact, and that they were not allowed to be contacting for such a matter. My mother then filed a complaint due to the contact that this company had with me. I just got another call again today ( XX/XX/XXXX - less than three weeks later!! ) from this company, and when I told the woman that I was not to be called, I was treated quite curtly and frankly, rudely. I do not understand why this company thinks that they can harass family members MULTIPLE times, particularly when the law prohibits this. Saying " this is not a collection harassment call '' does not make it something other than exactly that. This company needs to be held responsible for its actions and treat its customers and family members with more respect than it currently does. I am thoroughly angry with the encounters I have had with this collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have send several disputes letters within the last six months and the most recents one 60 days, I have sent a letter from XXXX XXXX stating the paid my car loan off to XXXX consumer yet it still appears on my credit report and have n't receive any response from niether companies verifying, they have 30 days as part as the fair credit act to respond if not it has to be deleted, acceptance now also shows up and never been verified, I have hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that I did n't apply for, I am filing a class action lawsuit if its not fix. My name, addresses, employer, has n't been corrected as well I sent in my proof of identification and social security card and still nothing, please remove all incorrect information as your company did n't respond in a timely manner, XXXX XXXXXXXX XXXX XXXX ice nevee been four payments late I changed my due date

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 10/27/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: New loan service agency is demanding that I as a third party authorized interest in an existing loan have knowledge of the original borrower 's Social Security Number in order to verify the loan.

Company response to consumer: Closed
Consumer complaint received 05/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I AM ATTEMPTING TO AVOID A FORECLOSURE SALE AND I AM ALSO ATTEMPTING TO APPLY FOR MORTGAGE ASSISTANCE. MY SERVICER, CHASE, HAS INVITED ME TO APPLY FOR MORTGAGE ASSISTANCE AND HAS SET A DEADLINE FOR XXXX XXXX, 2015. CHASE HAS ALSO SCHEDULED A FORECLOSURE SALE FOR XXXX/XXXX/2015. CHASE IS ENGAGED IN DUAL TRACKING.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX and XXXX 2014, I was alerted that my credit report had changes due to multiple fraudulent credit inquiries. I contacted Equifax disputing the credit inquiries after filing a police report for identity theft. I have had additional fraudulent inquiries on and since that date.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Bank account or service (Checking account) with BB&T CORPORATION (TX).
Issue: Problems caused by my funds being low

Complaint: I was an account holder at XXXX in XXXX for several years until the Bank became BB & T. Every month I have a direct deposit of about {$3500.00}. After paying several bills and spending a few dollars around XX/XX/XXXX I had a posted balance of {$1300.00}. Out of that amount I spend {$1000.00} leaving me approximately {$260.00} or something. With that balance I had XXXX items pending which added up to less than the amount. Although I had money in my account, I was charged a {$36.00} fee for something that overdraft but I was not in the negative. Also, a {$65.00} return item was submitted with this positive balance. So I called the bank to get an explanation and with much argument, the rep finally added up the amount that was spend and came up a total amount spent was {$1000.00}, which was less than {$1300.00}. When I asked why did I still have {$220.00} posted on my balance the rep informed me that that the amount was not a real amount and I did not have that amount in the bank. So I went into a branch on XXXX XXXX XXXX in XXXX and after speaking with the Branch Manager about this issue, since they had deducted all this fees out of my account there were other items that was pending and in order not assess fees I would need to deposit {$400.00}. Still not clear about why I have so many fees when I still have money in the bank. I gave the Branch Manager {$400.00} where he deposited {$410.00} at the teller window for me confirming that the next morning, after the few items post I should have a {$14.00} balance. The next day BB & T had charged me for the items that were in pending status that I deposited money for the day before. Not only was this an issue, these last three months I have noticed that they have been holding pending items for over 3 days or after the merchants have requested the money according to my investigation. Furthermore, I noticed that I bought some chicken from XXXX XXXX for {$5.00} and they had this amount both in pending and posted at the exact same time. My balance is never what it is supposed to be. On many occasions I have been locked out of my account for several days and unable to follow my transactions. I have had to call the bank to access my online account because it is continuously not available or blocked. Right now, BB & T has me owing their bank over {$300.00}, while I deposited {$410.00} to eliminate 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 12/27/2016 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have an account that was charged to my credit report, XXXX XXXX XXXX. Someone took out a payday loan using a bank account that was closed in XXXX with my information. They took the loan using this information out in XXXX. Again the bank acct was closed in XXXX. I want this resolved and closed and off of my name as well as my credit back up to where it should have been without this negative on my account for the past years.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (MI).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: From XXXX 2010 to date, I 've been dealing with trying to dismiss a fraudulent Student Loan amount from XXXX XXXX XXXX XXXX, who sold it now to XXXX XXXX XXXX for servicing. My XXXX University {$25000.00} loan, for the purpose in completing my XXXX in XXXX, Now with XXXX XXXX, has grown to an unbelievable {$110000.00} with penalties and interests added. My Student Loan Number is under my SSAN number - XXXX. 

Navient has been bugging me to pay this amount ; but, to no avail they are falsely reporting me owning this amount of money to all of my credit bureaus after I repeatedly asked them to stop. I 've asked for a forbearance and deferment because I 've been asking them to retalk with XXXX XXXX to report the correct amount on my original loan amount. Additionally, Navient should not report my school loan on my credit report if I 'm disputing the amount. The loan practices of both XXXX XXXX and Navient are Fraudulent and with malice -- frankly, it is criminal what they have done to me in damaging my credit history falsely claiming that owe {$110000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 12-01-2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (CO).
Issue: Improper use of your report

Complaint: I spoke with a mortgage originator, XXXX XXXX XXXX # XXXX, and asked some general questions. At no point did I apply for a loan. At no point did I consent to a hard credit inquiry. After my brief conversation with XXXX, who was rude and in a hurry, I was contacted by my credit monitoring service who informed me a hard credit inquiry had been conducted! I called all the lenders I had spoken with to find out who made the credit pull. Besides XXXX, all other lenders told me they did not pull my credit because I did not apply for a loan and only asked general question. XXXX admits he pulled my credit. I, at no point, gave consent for a credit inquiry. XXXX claims that I did give consent, and that he reviewed the recording of our conversation. I asked for him to play me the recording to prove to me that I did provide consent, but he refused. I spoke with his superiors who were less than kind or helpful. Its obvious who trained XXXX in his predatory, unethical practices. I have requested a letter of deletion to provide the credit bureaus to have this hard inquiry removed from my account and restore my credit score, but they refuse. At this point I will be taking legal action to sue for for damages. Credit is an asset, and the wrongfully damaged this asset of mine. There is no reason for them to refuse to provide the call recording if I in-fact did provide consent! It would require minimal effort for them to have this issue resolved, but now Quicken and I will need to spend the time and money to hash this out in court. They also claim the permissible purpose guidelines were followed, but they were not. I did not provide consent, and they did not have a legitimate business need to conduct the inquiry because I did not apply for credit, I called simply to ask questions! Severely disappointed with this lender. Spare yourself the time and do not work with Quicken! I have reached out to the Colorado XXXX XXXX XXXX XXXX and the XXXX about having XXXX XXXX license revoked.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: We were sent forms for a short sale for loan # XXXX on XXXX XXXX, 2015. 
We got a realtor. The house was put on the market. We sent forms to Wells Fargo. 
Everything was going fine. The house was locked and foreclosed on. We received no notice. 
I spoke to Wells Fargo on the phone about the property at XXXX XXXX XXXX XXXX XXXX. We have XXXX loans with them. This XXXX was a line of credit. We were locked out of our home with no notice. I was told on the phone over and over that we were fine and in a short sale. The rep kept telling me it wasnt happening, the realtor said it was happening and took house off market. We were never notified. We followed all the steps we were told and they still took without notice. This was done unlawfully, we believe.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX did a hard pull for 1 account 3 times in one day. XX/XX/XXXX I do not recognize anything named XXXX on XX/XX/XXXX XXXX also pulled 2 times within 30 days and i was informed it would be once XX/XX/XXXX there should be no inquiry from XXXX XXXX on XX/XX/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 07/27/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Besides the 8 % and the amount being outrageous on my parent plus loan, I feel that the current balance is incorrect. I have called and never get a straight answer. I 'm being charged interest on a higher amount. I have so far paid over {$19000.00} in interest and {$4000.00} towards the principal. My original amount was {$130000.00}, should n't my balance be {$130000.00}? They have my current balance at {$130000.00}, at this rate I will never get this paid down. This is usury at it 's best!!

Company response to consumer: Closed with explanation