milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/25/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Application processing delay

Complaint: Capital One takes centuries to approve a new credit card. The agony does n't end there-almost a month since i was informed about my card being mailed to me and nobody has a clue where the credit card is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-09-2016 about Mortgage (Home equity loan or line of credit) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Application, originator, mortgage broker

Complaint: Huntington National Bank processed a credit bureau inquiry relating to an application for a home equity line of credit without my authorization and signature. My husband submitted the application without consulting me and I received a notification from Huntington National Bank in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Credit card () with BARCLAYS BANK DELAWARE (AZ).
Issue: Other

Complaint: This complaint is in reference to a Barclay account. On XXXX/XXXX/XXXX I sent a request certified mail for a copy of the ACH/electronic payment authorizations ( see attached Barclaycard Letter to Send Request, Barclaycard certified mail receipt and BarclaycardletterforACH ) because this account seems to have been confused and link to a bankruptcy that I filed in XXXX ( see attached BarclayBKACHaccount and Barclayincorrectinfo ) I have not heard anything back from Barclay in reference to the request for ACH/electronic payment authorizations. I checked in person with the Post Office on XXXX/XXXX/XXXX it has been delivered to the P.O. Box but never pickup. I used the address provided by Barclay in the CFPB complaint response # XXXX at the bottom of their letter Card Services P.O. Box XXXX XXXX, DE XXXX Also I disputed both of these accounts with the CRA 's. The Barclay account # XXXX, this is not even a valid account number with any accounts that I ever had in XXXX. Nor did I pay an account off with Barclay in XXXX. 
Barclay Account number ending # XXXX was link to a bank account for ACH/electronic transfer that was listed in a BK in 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 04-03-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax has not updated my credit report since XXXX/XXXX/XXXX. I contacted Equifax XXXX XXXX XXXX and XXXX XXXX, XXXX to request that they update my credit report. To this date the low score remains the same. I have paid my bills on time little before XXXX XXXX and been on time since then. XXXX and XXXX have updated their records with a higher score ; however, Equifax remains the same low score ( no change ). No update from Equifax only a generic letter with comments that scores are based on credit history. I understand that each Credit Agencies are different but there are duplication and old dates on Equifax credit report that needs correcting. I wish their people would take the time to go through the credit report instead of sending a generic letter of laziness. All XXXX credit reporting agencies has the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Nelnet is my federal student loan servicer. When I learned about the Public Service Loan Forgiveness ( PSLF ) program, I called my loan servicer to find out how to become qualified. At that time I was told there was no paper work to fill out until I had already worked ten years in a qualifying position. I asked if my position ( state government ) would qualify- they said yes. I called 2-3 times over the next six years to ask if there was paperwork or any other action I needed to take in order to have my loans forgiven under that plan. Each time I was ensured by a customer service representative that there was no action I needed to take. My most recent call to Nelnet was XXXX/XXXX/17 to re-certify my income-based payment, and during that call I made my regular inquiry about the PSLF program and my qualifications. I was told at that time that my loans should have been consolidated under the XXXX XXXX XXXX loan consolidation program before I began making those qualifying 120 consecutive payments. I spoke to a supervisor who gave me the same information. When I asked why I was given false information for the six previous years the supervisor said, " I do n't know why someone would tell you that. '' When I asked to make a complaint she told me that the complaint would only be good for employee training purposes- not to resolve my issue. 

I did not accept job offers from private companies because I wanted to remain in a qualifying position for the PSLF program. This Nelnet " blunder '' has caused me to make approximately {$14000.00} in payments that could have been used for PSLF ; and narrow my career path by choosing to remain in state government service.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The current balance for this account is NOT {$1500.00} as being reported by Equifax. The current balance on this account has been paid down to {$860.00}. It has not been updated in several months. In addition, this account is on a current payment arrangement and is being paid according to the terms of that arrangement. The statement dated XXXX XXXX, 2016 directly from the VA 's Debt Management Center shows the updated balance. This account should be updated to reflect the actual balance or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Debt collection (I do not know) with Rocky Mountain Recovery Group (WY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I got a letter a year ago from Rocky Mountain Recovery for a dental collection from a dental office I had never been to or even heard of. I called them and told them there was a relative of mine also named XXXX XXXX who lived in XXXX, Wyoming. They said they would note that. I asked where they got my address and they said they probably " googled it ''. I never heard from them again, but on XXXX XXXX, 2015 I applied for a mortgage loan and my banker pulled my credit and there is a judgment from XXXX County Court and an open collection from Rocky Mountain Recovery reported on MY credit. This is not my debt and I already told them that. I went to their office and they told me they would delete my information, but they were n't sure if that would delete the judgment that is on my credit report. I am extremely frustrated and have spent a lot of time trying to dispute online and get to the bottom of why this happened. I feel like the should have done something other than " google '' my name in order to receive information.

Company response to consumer: Untimely response
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: AGAIN, Midwest keeps copying and pasting responses that have NOTHING to do with the root inquiry. I have told Midwest several times to stop adding fraud trades to my CRA files yet they keep doing it infringing on my rights covered by the FCRA. I WILL PURSUE LEGAL ACTION IS THIS IS NOT STOPPED AND THE TRADE IS NOT REMOVED. I have NEVER received any validation paperwork or phone call from Midwest in regards to this so called XXXX XXXX debt that I am entitled to review BEFORE it is put on my files. This is fraud and for your convenience, I have attached my identity theft form. REMOVE THIS TRADE ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Bank account or service (Checking account) with PNC Bank N.A. (MD).
Issue: Account opening, closing, or management

Complaint: In XXXX, I opened an account with PNC Bank. The account included benefits such reimbursement for using non-PNC ATMs, reimbursement of foreign exchange fees, as well as others. In the last year or so, branch staff told me that their accounts had changed but that I was " XXXX of the lucky ones '' and that my account and subsequent benefits were " grandfathered in. '' I was told this by staff at XXXX separate PNC locations, and even have an email dated XXXX/XXXX/XXXX from a branch representative claiming this was the case. I recently returned from a trip abroad and was rudely surprised to realize I had been charged foreign exchange fees AND ATM fees which were not reimbursed even after well over a month. I began to look at my account very closely and realized that in XXXX XXXX I had other non-reimbursed fees. I inquired about this at the bank, and they said they must have been wrong but that their was nothing they could do. They sent the matter to their " escalation '' team who also said there was nothing they could do. I did not receive any direct communication from PNC by email or mailed letter alerting me to any significant benefit changes on my account. Had I been told I no longer had the benefits I believed I had, I would have IMMEDIATELY switched into the account that I now currently have which I 'm told ( though now I find hard to believe ) comes with up to {$10.00} in ATM fee reimbursements monthly as well as free certified checks, checkbooks, and an increased percent cash back for credit card purchases. I have consistently kept thousands of dollars with PNC and would have easily qualified for this account previously ... had anyone alerted me to the fact that I no longer had my old benefits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My identity have been stolen I 'm  XXXX , My   XXXX   opened and applied for things in my name and ruined my credit, She recieves my mail cause i can   XXXX   XXXX   XXXX   XXXX   XXXX    .This is making me   XXXX   and I really need this fixed I recently saw more inquirys on my credit and I need all these removed my nurse is currently being investigated please help me fix this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Back in XX/XX/XXXX I filed a complaint with this department, ( case # XXXX ). XXXX XXXX XXXX responded and a modification was implemented in a couple of months after two and one half years of stalling. I paid $ XXXX for 3 months and a permanent mortgage was granted. This was nothing resembling the modification that was presented to me, a waste of {$6000.00} or as I see it a SCAM on XXXX 's part. I refused because it would have left my wife and I tied to this house till XXXX. We are in our late XXXX 's and hoping to sell house in XXXX years and move into an apartment. The house was extremely under water at that time as well as now.A few months later XXXX proposed another modification which I started but my mortgage was sold to Caliber Home Loans. with a new loan number. 
Please help I do n't want to go to foreclosure. I currently have not been discharged from chapter XXXX bankruptsy. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Fl. XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Cash advance fee

Complaint: On XXXX/XXXX/15, I initiated a cash advance on my account with PayPal credit in the amount of {$560.00}. The same day, XXXX/XXXX/15, the transaction was canceled and the cash advance was not completed. In reviewing my PayPal statements, I have been charged a cash advance interest charge since XXXX for a transaction that was never completed. I have tried to resolve this using PayPal online procedures with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am still being ignored by Shellpoint!
Shellpoint just contacted me and now that they are removing the forced
placed insurance I never needed in the XXXX place they are saying
they instead need a "cushion" in my escrow which allows them to steal
an additional XXXX a month added to my mortgage payment.
This is theft and I expect someone to contact them to resolve this,
it's frustrating and I'm spending alot of my time trying to resolve
this and now its a different scheme to take money from me.
Can you understand how annoying and frustrating this is.

I started with a new modified loan in 2013 with a payment of XXXX which
always included my escrow payment, and I never missed one payment NOW
THEY ARE SAYING MY ESCROW IS SHORT! How can it be short I never missed
a payment! STOP THIS THEFT NOW!!!!
please step in CFPB and stop this abuse i'm sure i'm not the  only one affected. Shellpoing makes it difficult to deal with they always ignore my emails I'm losing hope getting a resolution with Shellpoint because they continue to ignore my concern
There is no way my escrow is that short XXXX short! No! I expect my payment to go back to it's original amount.
Why is my payment going up?
In fact I think my payment should be going down because I think think my property taxes have increased.
Shellpoint owes me a refund check for the over XXXX they have stolen in fake insurance payments that I never needed since my property was insured already which I proved to them.
So I expect a refund and my payment to go back to its original amount of XXXX a month.
It was a struggle to get my loan mod and I have in good faith made every single payment on time and now this! It's frustrating please CFPB step in and protect us from these servicer abuses, I feel violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (KS).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I got an Amazon only store card on XX/XX/XXXX got a bill made a payment of XXXX XXXX XXXX During the month of XXXX charges were made to my XXXXXXXX XXXX Card which was on file by not the Primary card on the Amazon account. So both accounts were put on hold XXXX sent me a new card and amazon refunded the money to my card XX/XX/XXXX XX/XX/XXXX they charged a late fee excessive if the cards charges are in dispute I called them XXXX XXXX XXXX XXXX and XXXX XXXX and all they could say was pay over the phone I verified on XXXX XXXX my profile and how the information is inputted and comparing the information to online statements. I made the attempt to pay XXXX XX/XX/XXXX and it shows it went through online. I called again in XXXX XXXX cause more charges were added and all they could tell me was insufficient funds. So I called my bank and gathered the numbers and verified the account numbers I paid the bill of XXXX with XXXX XX/XX/XXXX and still have a bill of over XXXX They are bullying me and committing fraud

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 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Company is reporting late payments on 10 student loans and they are in deferment

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On Thursday, XXXX XXXX, XXXX I deposited a check on my JP Morgan Chase Personal Checking Account drawn on XXXX XXXX from a Government Agency, XXXX XXXX XXXX for {$2300.00}. I was told that the entire check would be held for 7 business days by the system from the branch teller but they could not say why. They suggested I call Corporate to find out about getting it released. 

I contacted Chase by their secure message system and they told me it showed to be released on XXXX. On XXXX, the funds were still not available and my account went into a negative balance. 

The money was already swept electronically by Chase by XXXX and this is a deliverate fraud to use my money for 11 days and collect interest on it. 

I ask for an investigation to JP Morgan Chase Bank practices of holding collected funds from the account holders as I am sure this is a Nationwide practice. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
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: This Letter was sent the the XXXX XXXX XXXX XXXX on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Account # To whom it may concern : I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on these accounts, and the results came back either " verified '' or " updated ''. There are several inaccuracies across all three credit reporting agencies. 

This is a Notice of Direct Dispute with you, under the provisions of FCR

A 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this Notice of Direct dispute includes : XXXX XXXX XXXX XXXX as shown on my Credit Reports ( attached ), is showing incorrect information.

Basis for dispute : 1. You verified Terms as " {$0.00} Single Payment '' on Transunion and XXXX 2. You verified High Balance as " {$2000.00} '', on all account beginning in XXXX, which is not correct 3. You verified High Balance as " {$4400.00} '', on all account beginning in XXXX, which is not correct 4. You verified account status as " Transferred, closed '' 5. Date of Status hasn't been updated since XX/XX/XXXX on XXXX 6. Date of Status hasn't been updated since XX/XX/XXXX on Transunion 7. Actual Payment Amount is {$0.00} on Transunion and XXXX 8. Actual Payment Amount is thousands of dollars off on all accounts on XXXX compared to High Credit 9. Account Status on Transunion and XXXX is " Collection '' not " Paid as Agreed '' 10. Account Status of " Collection '' starts on XX/XX/XXXX on Transunion, I was still in school. 

Supporting evidence : Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4, you are required to review the information that has been provided to you to complete your investigation of this Direct Dispute within 30-days of this notice. I demand a written response from the competent authority in your organization no later than XX/XX/XXXX to my address of records. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file.

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 06-03-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: Bank of America stated that they would assign me a representative regarding an ongoing complaint. However, when I called, they referred me to someone else who has to quickly research the case with little or no prior history of my case. 

The latest one is XXXX XXXX, who has been recently assigned to assist me. He did not leave an extension number. I tried anyway and was referred to someone else. I asked for XXXX XXXX and was told I would have to make a phone appoint which is a week later.

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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX of XXXX XXXX XXXX sent me alert that XXXX placed 3 delinquent reports on my credit report. I have never been late making a payment, and my credit report shows this. As soon as I got the alert I called XXXX and set up a payment arrangement on 3 of my student loans. I then filed a complaint with the BBB, which triggered XXXX XXXX from XXXX to call. At first he led me to believe he was going to get the 3 negative marks taken off my credit report. I have over {$90000.00} in student loans and am a person with a XXXX who recently XXXX XXXX XXXX. In XXXX of XXXX I applied for Forbearance with XXXX and was approved. XXXX led me to believe ALL of my loans were in forbearance, however XXXX XXXX advised me 3 of my private loans were n't looped into that forbearance. XXXX never sent a letter, never placed a phone call, and never sent an e-mail advising me that I was delinquent. I provided them with copies of my cell phone records to prove this. XXXX XXXX in the executive offices of XXXX never followed up with me, and I had to call him on XXXX XXXX, XXXX to see what had happened. I was told when setting up the payment plan in XXXX of XXXX to write a letter to XXXX 's credit reporting area of the mistake and that they would fix it. They never responded to my letter. All I am asking is that XXXX correct the inaccurate reporting.

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