milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/24/2015 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Account opening, closing, or management

Complaint: I had XXXX bank accounts with PNC Bank. I closed them in XXXX this year. I used online statements. When I went to access my statements they were no longer available and the bank wants to charge {$10.00} a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Student loan (Federal student loan servicing) with Automated Collection Services, Inc. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Dear Sir/Madam : I continuously receive threatening letters of garnishment from ACSI - XXXX although I provided them with sufficient documentation that my average monthly debt exceeds my disposable income. Since I did not provide receipts for Food, Clothing, and Misc., they credited me {$120.00} per month. I am a family of XXXX. It is unreasonable to think a family of XXXX could survive off of {$120.00} per month for food, clothing, and misc. items. Today, I provided them with receipts for the month of XXXX and asked that they reconsider their decision. I also made an offer for a payment plan of {$50.00} per month. Having XXXX dependents, It would be extreme financial hardship to have 15 % of my pay garnished. 
Thank you for taking the time to look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SELECT PORTFOLIO SERVICING, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I contacted XXXX on XX/XX/XXXX regarding a late payment for Select Portfolio Servicing for XX/XX/XXXX on my credit report. I provided XXXX with a demand letter from Select Portfolio Servicing requiring all credit reporting agencies to remove the late payment from XX/XX/XXXX from my credit file. XXXX sent a response letter dated XX/XX/XXXX advising that the late payment from XX/XX/XXXX had been removed from my file and the account would show always paid on time. However, credit reports from XXXX from XX/XX/XXXX and XX/XX/XXXX both show that XXXX has not removed the XX/XX/XXXX late payment from my credit file as they promised to do so in their letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit card () with BARCLAYS BANK DELAWARE (TN).
Issue: Other fee

Complaint: I signed up for a Barclay Luxury Gold card in XX/XX/2016. As an XXXX member of the armed forces, they were offering XXXX bonus points, plus XXXX benefits to include a 0 % APR and no annual fee, and were clear that this would remain in effect as long as I was on XXXX XXXX. One year later, they have changed their terms and are going to charge a {$990.00} annual fee, despite the promise not to do so for the length of my service. Barclay 's specifically targeted XXXX Military with XXXX benefits above and beyond what was required, and once enrolled, are revoking the benefits to charge a large annual fee. Now I must either pay {$990.00} for the card, or pay off the balance and close the card, negatively impacting my credit score. I, like many others, would not have applied for the card if the annual fee was to be charged.

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 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with American Credit Acceptance, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I purchased an XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX, AL on XX/XX/XXXX. Paid my notes on time every month. XX/XX/XXXX I received a letter from them, dated XX/XX/XXXX stating that they were closing due to the death of the owner and my loan was sold to American Credit Acceptance in XXXX, SC and that nothing on the loan will change. I also received a letter from the new lender American Credit also dated XX/XX/XXXX stating they got my loan with new account number and nothing is changing and that they will continue to report my payments with the bureaus. Since they took over the loan I started asking about my credit being reported and I 've gotten told several things, they do n't report till the loan is paid off, they have been reporting it, they will check into it, then they said that XXXX motor did n't send them all the information they needed so the credit will never show and the newest one on XX/XX/XXXX is that they deleted the tradeline and my credit will never show on my reports. Since then I have asked for a letter in writing on their letterhead stating that they deleted the tradeline and my credit will never show on my credit, now they are avoiding me.

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 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
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: For the last six months XXXX XXXX owned credit reporting agency, TransUnion has refused to fix an erroneous entry on my credit report. 

Worse - they wont even permit me to submit proof of not owing this debt. 

For six months they have knowingly and intentionally added to this debt as well - every single month. 

So, not only is the information entirely fraudulent, the amount is perpetually climbing from one month to the next with no supporting evidence or explaination.

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 09/13/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Credit decision / Underwriting

Complaint: Back in XXXX, I tried to obtain a loan for an affordable housing property. This is my first time purchasing a home, so the process is new to me. In short, the loan with the first lender I was working with fell through because of the condominium association 's coverage on their fidelity bond was not high enough and therefore the loan was denied during the underwriting process. I was then told to re-apply at Wells Fargo back in XXXX. Before I started the process with them, I explained exactly why my loan was denied with the previous lender as well as forwarding them the emails which contained exact figures regarding the association 's coverage. I made it perfectly clear that I do not want to pay any more upfront fees unless they were sure that the loan would be approved and the XXXX bond coverage would not be an issue ( since I had lost all of the money I had paid upfront with the initial lender and that Wells Fargo was not able to reuse the appraisals or credit checks that I had already paid for ). They assured me it would not be an issue because of the particular mortgage program they were going to use for the loan. Afterwards, I gave them my credit card info to once again pay for an appraisal and a credit check. During the underwriting process, I come to find out that my loan would once again be denied due to the coverage on the condominium 's fidelity bond ( the same reason I had warned them about before applying ). I emailed my representative at Wells Fargo to ask for them to refund the fees that I had paid since they gave me insurance that this same problem would not be an issue. They refuse to refund 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 09-05-2015 about Consumer Loan (Vehicle loan) with First Investors Financial Services Group, Inc. (MD).
Issue: Managing the loan or lease

Complaint: In XXXX 2015, I disputed an auto loan with First Investors Financial ( CFPB dispute XXXX ). On XXXX XXXX, I received an alert that this account has been updated with a XXXX day late on my credit reports. Since XXXX 2015, this account was reporting paid as agreed, no lates.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Debt collection (I do not know) with First Step Group, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I thought this matter was resolved years ago when I established my identity was stolen and fraud alerts were placed on all credit reports. I did not purchase anything using XXXX XXXX XXXX XXXX and have demanded validation from all previous Collection Agents yet none were ever able to validate the debt was mine. 
More than that the Statute of Limitations expired on this invalid debt and I assumed the matter was closed. 
Now a junk debt buyer has bought it and hopes to collect on it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am a single mother and they wanted me to pay XXXX dollars a month and I 'm not able to pay it and they is not will work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (PA).
Issue: Using a debit or ATM card

Complaint: I am overseas and my debit card was flagged and taken from me. I informed my bank that I was traveling well beforehand and on more than XXXX occasions. After many mix-ups, I was sent a new debit card that does not work and the bank has not been willing to correct for all the mistakes they have made. As a result, I am abroad with no access to my funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-03-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There was an unauthorized charge made to my Master Card credit card account issued by the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, which I refused to pay. After much haggling, I paid off the credit card account IN FULL on XXXX XXXX, XXXX and stopped using the card/account. The XXXX then reported the account as a Charge-Off anyway ; so I wrote to the XXXX and they responded that a mistake was made, but the credit reporting agency ( Experian ) STILL has not corrected my credit agency file, even after I submitted proof of my payment to the XXXX, and the credit reporting agency continues to show the credit account as a charge-off! How do I get this problem corrected???

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 02/13/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XX/XX/18 I contacted a agent named XXXX from XXXX XXXX XXXX to request a Validation of debt he at first tried to get around addressing my concern. Finally I advised I'm calling to validate the debt rep placed me on a hold for a minute or so to complete the request and then terminated the call

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 04-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CA).
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: I have had problems disputing charges on my card multiple times and today I called 3 times on XX/XX/2018 and they won't even let me dispute charges for {$39.00} that was charged to me and I'm not recognizing the charge and they just will not allow me to dispute it and this is being billed to me every month so I'm losing out on {$40.00} every month and they will not allow me to fight it I've contact the merchant who doesn't speak English and calls me XXXX which is not my name

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 03/15/2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Other

Complaint: In XXXX 2015, I asked Citi credit cards to review my XXXX XXXX account in accordance with the Servicemember Civil Relief Act. I was told that this credit card account was not subject to SCRA.

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 03/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In a recent phone conversation on XX/XX/XXXX with Wells Fargo representatives, including the underwriter XXXX, and our XXXX XXXX XXXX representative, XXXX, it was stated that the reduced mortgage would be {$3000.00} with HOA fees included ; the current mortgage is {$3100.00}. This would give a reduction of {$18.00} which falls in the guidelines for XXXX 's XXXX, our Master Servicer. 
We are requesting assistance from the CEO or President area of Wells Fargo. We believe we were eligible on the XX/XX/XXXX modification request based on our calculations. We request a detailed explanation about how the underwriter determined his/her decision.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I was contacted by someone claiming to be with our lender, Ocwen, who claimed that we had been approved for HAMP. They sent paperwork for us to sign and we faxed it back to them at XXXX. They continued to call and provided us with a name to send {$500.00} via XXXX XXXX to. The first payment went through but XXXX XXXX denied the next payment. We became suspicious when the rep we were speaking with told us there was a fraud situation, so we met with a housing counselor. When Ocwen was contact they had no record of the HAMP, paperwork or payment. It was all a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Despite a letter from XXXX XXXX dated XXXX XXXX, XXXX ( sent via fax to your agency this morning ) sent to all XXXX of the major credit reporting agencies, including Equifax , instructing them to immediately and permanently remove all records of late charges, specifically a late charge XXXX XXXX, XXXX of {$50.00} and a second on XXXX XXXX, XXXX of {$30.00}, they refuse to do so despite four complaints to them and numerous phone calls. The last of these calls was to XXXX XXXX, wherein he stated that he would personally ensure that these XXXX negative items were removed. Yet, according to their latest credit report of XXXX XXXX, XXXX, # XXXX, these XXXX negative items still appear and are preventing me from obtaiing a mortgage loan to purchase a home. They have been totally uncooperative from the onset of this matter. They have also misspelled my name and inserted the lower case letter " XXXX '' after XXXX, the first initial of my name, and refuse to remove this error. I hereby demand that they honor the demands of the XXXX letter and immediately and permanently remove these XXXX items just as the XXXX other credit reporting agencies have done.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Student loan (Private student loan) with AES/PHEAA (CA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: While I was able to obtain forbearance from the company a handful of times, that does not help me in the long run. Unfortunately I do not have specific dates for my phone calls with this company, but the lender literally told me there are  0  options for reducing my payment. Payments continue to go up while my income remains low due to losing my job in  XXXX   2016. I  also physically not able to obtain a job in the degree I earned due to a   XXXX   XXXX    on the job. This company refuses to work with me and I am unable to pay the monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit card () with PAYPAL HOLDINGS INC. (DC).
Issue: Billing disputes

Complaint: Paypal has allowed the scamming XXXX to defraud my account. 
Their cart adds items on each time you visit against the wishes of the customer. 
XXXX charged me for XXXX memberships & XXXX listings of a membership. This is utter rubbish and contacted XXXX of the error XX/XX/2016. 
They recognized the error and said they credited me the difference. 
The problem is they did not so I opened a paypal dispute. 
The seller offered a refund of XXXX admitting liability and error. I requested that Paypal continue to investigate as I was truly owed XXXX. 
I only wanted one membership. 
I tried to contact Paypal to assist and they were unhelpful and decided the case in the favor of XXXX XXXX XXXX & denied the partial refund the seller offered. 
So i contacted the seller ( no one mans the phones at XXXX XXXX XXXX as it is a phishing scam site. They refused to return my money, canceled the membership and blocked my computer from accessing the site ( see documentation ). 
As such paypal has an obligation to return XXXX-XXXX=XXXX I tried to print out the chat conversation and was unable to. Given the customer service agent would rather block my ip address than address my concerns in writting, it confirmed my suspicion that this is some tech geek running a scam site. 
Regardless, as he canceled my membership and blocked me from his tech/phising site, I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Radius Global Solutions LLC (ND).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter from Central Credit Services LLC and it stated that I owe XXXX {$100.00}. However my account with XXXX has been closed and paid since XXXX 2014. I called XXXX to double check that I did indeed pay my bill and received confirmation that I did in fact pay them in full and do not owe them anything. They have also been calling my daughter 's phone constantly for the last 2 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are several issues regarding the reporting on my credit file on all three of the Bureaus reports. These misreported items have made it impossible for my XXXX XXXX to get a loan to purchase a new building which we are in desperate need of. XXXX has also re-reported old information which affected my score in a very negative way and then it took months to have it removed after I had already paid an attorney to help me remove it the first time. I have no outstanding debt and always pay everything on time yet my credit score is below XXXX. 

In in XXXX of XXXX a charge-off from XXXX XXXX XXXX was reported. It shows as a derogatory mark, this is misreported. In fact The debt to my second mortgage was forgiven and I have documentation to prove that ( see attached ) In XXXX of XXXX a closed Mortgage account was reported. It states that the account was 120 past due. The account was closed with a XXXX balance because the home was sold, however the manner in which it was reported shows it as derogatory. The home was sold in a short sale and I have documentation that shows that I made all of my payments on time as directed by the bank, some payments were stopped during the sale. 

On XXXX XXXX I received an alert from XXXX that there was a change to my credit report. 
To my horror I saw that they had reported an old tax lien and it was back on my credit report. I had actually paid off the IRS and paid a lawyer to help me remove this item from my report it was removed successfully so when I saw that XXXX had put it back on I immediately contacted XXXX. I was not able to get anyone on the phone and disputed the error via the internet.

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 10/29/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: A year ago we took out a mortgage with Wells Fargo. At closing, the Truth in Lending statement disclosed a monthly payment of {$1700.00}. One year later we received notice from Wells Fargo stating there was a {$5000.00} shortage in our escrow account that would need to be paid, as well as our monthly payment would be increased to {$2200.00} We reviewed all mortgage documents, and found that Wells Fargo made an error on the Truth in Lending statement in regards to our taxes. We contacted Wells Fargo in an attempt to resolve this situation. After 2 months of review, they ultimately admitted they made a mistake, they covered the {$5000.00} escrow shortage, but said we are still responsible for the higher mortgage payment, which amounts to {$480.00} more every single month for the term of the loan. We are not satisfied with this resolution, as their mistake will cause our family to have to pay an additional {$480.00} each month for the next 29 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Debt collection (Medical) with Community Health Investment Company, LLC. (MS).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I went to the XXXX because I thought I 'd XXXX. The hospital kept having issues with my health insurance company, and it took almost 6 months to get it straight. The hospital had already turned it over to the debt collector, and I have paid the debt in full. The debt collector has also called me at work despite being to not to do so.

Company response to consumer: Closed with explanation