milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: View " Document '' of " Display A ''. I endure harms since I have to depend on an exact and finish statement of my credit record and request that you expel the questioned things from my report promptly as you neglected to conform to the law. Otherwise, I will contact the Federal Trade Commission and inform them with respect to your evident carelessness for consumer security laws. I am asking for your help with putting a conclusion to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I need the following inquiries and bankruptcy deleted from Transunion credit report. Transunion customer service would not help and take care of the negative inquiries reporting to your credit report.
The inquiries are below: 
Creditor Name	    Inquiry Date	
 XXXX	   XX/XX/XXXX   
 XXXX	   XX/XX/XXXX
XXXX	   XX/XX/XXXX
XXXX	   XX/XX/XXXX
XXXX	   XX/XX/XXXX
XXXX	   XX/XX/XXXX
 XXXX	   XX/XX/XXXX
XXXX  XX/XX/XXXX
XXXX	          XX/XX/XXXX
XXXX	          XX/XX/XXXX
XXXX	          XX/XX/XXXX
XXXX	          XX/XX/XXXX
XXXX	           XX/XX/XXXX
XXXX	    XX/XX/XXXX
XXXX     XX/XX/XXXX
XXXX	    XX/XX/XXXX
XXXX	     XX/XX/XXXX
XXXX	      XXXX
 XXXX    XX/XX/XXXX
XXXX	    XX/XX/XXXX
XXXX   XX/XX/XXXX
 XXXX   XX/XX/XXXX
XXXX    XX/XX/XXXX
 XXXX   XX/XX/XXXX
 XXXX	XX/XX/XXXX
 XXXX	XX/XX/XXXX
 XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
 XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	        XXXX
 XXXX	XX/XX/XXXX
XXXX	        XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	XXXX
XXXX	XX/XX/XXXX
XXXX	XXXX
XXXX	XX/XX/XXXX
XXXX	        XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	        XX/XX/XXXX

 Bankruptcy	XX/XX/XXXX	Discharged	$0

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 Student loan (Private student loan) with SLM CORPORATION (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: SALLIE MAE AND XXXX XXXX IS FULL OF XXXX! they dont want to help at all they just care about getting their money even if you are in a financial struggle, unemployed or just dealing with a financial hardship and not able to make monthly payments. i called XXXX XXXX asking to lower may monthly payments the guy gave me no better options except just pay {$220.00} a month then get 6 month forbearance but it makes my overall loan amount way higher. i tried explaining that i cant pay the XXXX but he ignored ne and would n't listen all he kept saying was i could just pay that amount. i wanted to lower my payment or try deferment but sallie mae and XXXX XXXX dont give you that option!. i owe XXXX per month for sallie mae for 12 months then a bigger amount and they refuse to help me lower my payments. im unemployed and my family is in a financial crisis but they dont care. i owe sallie mae about 44.241.76 and XXXX XXXX  XXXX but i cant make payments at this time. and its not fair that only know college tuition is free!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX I deposited a check for XXXX in my Wells Fargo Bank account.
The Maker of the check was XXXX and the check was drawn on XXXX.
Wells Fargo Bank put a 10 DAY HOLD ON THE FUNDS so I called Customer Service at the bank and was told REFER TO MAKER. XXXX, the maker, said there was NO REASON FOR THE HOLD. I believe Wells Fargo Bank ILLEGALLY HELD MY FUNDS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2018 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Wells Fargo 's opening an account without my authorization

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 07/21/2015 about Consumer Loan (Installment loan) with GVA Holdings, LLC (TX).
Issue: Managing the loan or lease

Complaint: I applied for loan. I Was approved. Paid extra wire transfer fee to have the money wired to my account the next day because I was passed the deadline for that day. I signed the contract wile on the phone with the agent and she confirmed she received the contract and confirmed the loan would be deposited next day to my account. The next day the money was not deposited and I was told there was a " glitch '' and it would not be deposited till the next day. After confirming the loan would be deposited. I scheduled a payment on an overdue to come out. That bill came out of my account and has put my account overdrawn because the deposit was n't made. I feel like this is a breach of contract

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This company continues to report this fraudulent info on my credit reports. They say they 'll remove it and they do, but they put it right back on again XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 07-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Since our income have increased considerably, we submited an Assistance Review Application request to XXXX ( XXXX ), the Mortgage Servicer of our loan with XXXX XXXX XXXX. While XXXX was in the midst of reviewing our Application, on XXXX XXXX, 2016, U.S. Bank National Association ( US Bank ) entered a Foreclosure Action against my wife and I and is pursuing it aggressively in Court, while we are proceeding in good faith with our request for relief and submitting additional documents that XXXX continues to request for their evaluation process. 
US Bank actions entering and actively pursuing this Foreclosure Action in Court against us to take possesion and sell our home of 17 years while our Request for Relief is being reviewed and considered goes against the policy of Loss Mitigation and Home Retention promoted by the USA Department of the Treasury, Controller of the Currency ( COC ). 
Thus, US Bank is in violation of the COC policy of Foreclosure Prevention that states that : " Well structured loss mitigation actions should focus on foreclusure prevention, which should tipically result in benefitting the borrower. ... .preference should be given to activities designed to keep the borrower in the home. '' US Bank entered this Foreclosure Action actively and agressively while we are procesing a foreclosure prevention action. US Bank policy is deceiving the banking practices it agreed to with the OCC, and must DISMISS its Foreclosure Action immediately to preserve the OCC Foreclosure Prevention policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian reported that there was a " hard '' credit inquiry from a credit card merchant processing company on XXXX XXXX, XXXX on my personal credit bureau report. That was not for me personally ; it was made in error. I contacted them directly, since they are a credit card merchant processing company, and I am the XXXX Financial Officer of our company, and we have been a client of theirs for over six years. What happened is that back last XXXX XXXX we requested a new Merchant ID for XXXX of our divisions, and I signed off on the applications ( as I always do ) as the XXXX of our company. 

After contacting them, and speaking with our client representative, and later with other staff of them, I found out that someone in their Underwriting Department made an inadvertent mistake, and ran my personal credit report, instead of running a XXXX & XXXX ( or something similar ) on our company. Since I am not an owner of our company, only an officer, they should not have had access to my social security number, and they should not have done a " hard credit '' inquiry on my personal credit report. And they understand that, and have apologized to me. But they did not contact, to the best of my knowledge, Experian, to clear up the matter. 

So, I sent a letter to Experian dated XXXX XXXX, XXXX, and I informed them of this matter, and I asked them to please remove that hard credit inquiry from my credit report. However, they sent me a copy of my credit report back, dated XXXX/XXXX/XXXX, and did not specifically say how they handled it, but it still showed up in the " hard credit inquiry '' section. Somewhere in their documentation they insist that they simply must report all companies that legitimately request a credit report, and it counts as a hard inquiry. And it does not appear to me that they have any intent to do anything about that, regardless of the circumstances. They did not reach out to the credit card merchant processing company, to the best of my knowledge, and thus the issue is probably " resolved '' in their minds, but certainly not in my mind.

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 06-09-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: XXXX  closed all of its schools, I have a private loan in the amount of  XXXX  which Navient has in debt collections.
<P/>
School :   XXXX   XXXX   XXXX   Lender : NAVIENT CREDIT FINANCE CORP Disbursement Date  XX/XX/2007  Original Principal {$9400.00} I have not transferred any credits from   XXXX   and should be eligible for forgiveness. I attended less then a semester and was mislead to believe this student advantage loan could be consolidated with federal. They used misleading tactics and have been closed due to these false, predatory and misleading tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Debt collection (I do not know) with Penn Credit Corporation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've repeatedly gotten calls from Penn Credit Corp. I called today XXXX/XXXX/16 to have them stop calling and talked to a XXXX XXXX who stated she was looking for XXXX XXXX. When I ask for the first name she was very elusive. My name starts with a XXXX, but I have no outstanding bills that a skip chaser would be looking for me. I requested the calls stop and stated that I would file a complaint to insure they did. The address for Penn Credit Corp is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America XXXX is reporting inaccurate late payments on my credit file that is negatively impacting my scores.I have sent letters to Bank of america in XXXX and XXXX and they have yet to respond with a resolution. My payment history needs to be reviewed and corrected immediately!!

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 11/13/2016 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Please disregard attached file named doc XXXX and submitted as part of case number XXXX and replace with this recent submission. I am disputing the results of Wells Fargo 's investigation.

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 12/19/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint: Never received a Bill of Sale for the vehicle that was sold XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2015 about Credit card () with PAYPAL HOLDINGS INC. (TX).
Issue: Transaction issue

Complaint: I have a paypal smart connect account. I can view all my transactions online and today i was looking at my account and i was missing XXXX dollars so i called the paypal smary connect customer service to see where was my money. So when i reached a coustomer service rep i asked why i was missing XXXX dollars and he told me i made a purchase on XXXX XXXX for XXXX dollars and i told him from where and he said i dont have information to give u and i told him what do u mean u dont and why i cant see it .. And he said i would have to wait 2 to 3 daya to see it in my account and for them to have more information and i told him i never purchased anything for XXXX dollars and i always get an email ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Fraud or scam

Complaint: Bought American Express Bluebird card XX/XX/2016 @ XXXX. Amount deposited to card {$10000.00}. Spend {$14.00} and {$2.00} on temporary card. Received/activated new card, but did not " link '' temp card # to new card. Have unused balance of {$82.00}. Am Ex will not transfer amount of {$82.00} to activated card because I can not give them either temp card # or code from pack. I shredded those upon activating new card. XXXX gave me printout of transaction, but Am Ex insists can not trace temp card without card # or code. Please note they have my entire profile on file to go by that. Surely I am not the only senior citizen to have neglected to link the two cards. Is this a scam?

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hey I haven't authorized these hard inquiries on my credit report please help me remove them as they are affecting me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I have already filed a complaint ( complaint # XXXX XXXX Bank of America responded to that complaint and awarded me {$2700.00}. In their answer to the complaint, they said that when the fraud investigation on my savings account was completed ( Claim # XXXX ) a cashiers check would be written and the account closed. But as of X/XX/2018 Bank of America told me that since my savings account is closed, Bank of America online claims department can not provide the funds in my account to the fact that the Bank of America RISK Department closed my account already, therefore, making me ineligible for the XXXX fraud liability and having my money placed back into my account. I have documentation to prove that the fraudulent transfers were, in fact, fraudulent due to the fact that the Bank of America Debit Card/ATM awarded me those funds that were stolen from me, therefore, proving by Bank of America 's own investigation that the transfers that were made were fraudulent. Bank of America is still holding me 100 percent liable for service charges. transfers fees, overdraft for all three of the claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-12-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Credit decision / Underwriting

Complaint: I applied for a loan with Bank of America XXXX to refinance my home. The XXXX application was denied on the phone because my credit score was not high enough. I asked for a letter stating that I was denied and never received it. As 3 weeks went I was finally able to get a name of a supervisor via online chat. I called him and I was told the loan never went to underwriting, therefore they were unable to generate a letter. I was told the I had to do XXXX application so I applied for a loan again on XXXX/XXXX/2016 with Bank of America and the same thing happened again. Two months later and I have not made any progress towards receiving a letter saying, '' Our bank can not help you ''. My house is going into FORECLOSURE because I ca n't get an official letter from the bank saying the loan was denied. Why am I being treated unfairly? Is this how Bank of America is allowed to operate? Is there a different set of rules that they can choose to use since they are such a huge company. I understand that being denied the loan would not make the bank any money, but can I simply get a denial letter so that I can move on and get an extension on my 2nd mortgage that has matured. PLEASE, CAN SOMEONE HELP ME SAVE MY PROPERTY!

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 10/13/2015 about Credit card () with PAYPAL HOLDINGS INC. (NY).
Issue: Unsolicited issuance of credit card

Complaint: My complaint is with the PayPal Credit offering ( formerly known as Bill Me Later ). Earlier this summer, I apparently accidentally signed up for this " line of credit '' after trying to pay with my usual credit card on my PayPal account. When I was paying, they asked for my birthday and last four digits of my social ( which I just assumed were generic security questions websites use to verify identity ) -- but apparently they were asking because I did n't realize the option for " PayPal Credit '' was n't just my credit card. They then took all my other info they had saved to make a hard credit request which dinged my credit score - apparently this is what happened anyway. This is what PayPal explained to me afterwards. I only knew I opened the account after being contacted XXXX. When I called PayPal and said I did n't authorize opening this account, PayPal first told me to file XXXX with PayPal, then PayPal told me to send a written request which they forwarded to XXXX and it was rejected. 

By the time I spoke with someone from PayPal again, they ( finally ) basically explained that they have an option on their website when paying to use " PayPal Credit '' instead of " PayPal '' which I apparently selected on my account. I said this is evidently not clear. I actually asked how this was permissible -- I never signed anything saying they were allowed to do this check or given other info to them. They said they had my electronic signature " stored '' elsewhere as part of my account and that they used that to authorize the line of credit. So by just filling in my date of birth and last XXXX digits of my social security during checkout ( which I assumed was a security check ), they took all my other info and used it to authorize the account. I closed the account, but my biggest issue is that this actually went against my credit report as a credit inquiry which will stay on there for two years. Personally, I consider this intentionally ambiguous website design to trick customers into signing up for the line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Credit card () with KEYCORP (NJ).
Issue: Other

Complaint: My XXXX credit card with Key bank was stolen in XXXX 2014. Over XXXX of fraud charges was made on that account. Keybank has refused to accept my fraud claim.

Company response to consumer: Closed with explanation