milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/17/2017 about Credit card () with DISCOVER BANK (VA).
Issue: Billing statement

Complaint: I obtained a balance transfer to this Discover card with 0 % interest. Subsequently, I made some purchases at the regular purchase rate of 15.74 % in the amount of {$520.00}. In XX/XX/2017, I noticed that the " balance subject to interest '' was now at {$610.00}. I paid {$620.00} that month believing that I would only have the balance without interest remaining. However on the next statement the balance subject to interest was standing at {$430.00}. At this point I called customer service at Discover to find out how much I needed to pay to avoid paying any further interest fees and was told they had no way of knowing. The customer service representative said to call back next month ( after another month of accruing interest ) to find out how much I would need to pay to eliminate the balance subject to interest. 
I feel this " balance subject to interest '' on the statement is deceptive and that there should be an easy way for consumers to determine how much is needed to eliminate that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: No matter what web site I use they can not pull a credit report or score for 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 12-07-2017 about Payday loan, title loan, or personal loan (Installment loan) with MoneyLion Inc. (AZ).
Issue: Problem with additional add-on products or services

Complaint: Paid Loan In Full on XX/XX/17 with MoneyLion. Contacted company, via e-mail, to cancel my " membership '' fee to MoneyLion Plus, but was told that I needed to reach out to a " specialist '' to cancel. I used the exact same e-mail address that was sent to me to acknowlege that the prior " membership '' had been processed.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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: All my student loans show 90-120 days delinquent in 2013 when all of them where in deferment. They never corrected the issue and just published a personal statement that I did not authorize nor state.

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 03/14/2018 about Student loan (Private student loan) with SLM CORPORATION (PA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have called Sallie Maes customer service number multiple times. There has been times where no one would even answer during business hours. I would get different scripts from different customer service contacts. I have spoke to two loan contact personnel over the past week XX/XX/18 and neither times were they willing to work with me. I have tried to keep up with my payments but they are not understanding my income compared to the amount they are trying to charge me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I 've tried countless times to get information on consolidation and loan forgiveness since I 'm a XXXX  XXXX XXXX XXXX I have n't gotten clear answers or directions

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Debt collection (I do not know) with CITIBANK, N.A. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: i tried contacting this company zillions of times and left voice messages never recieved a call back there trying to collect on a debt and ruin my credit i never opened with them and i sent them the police report multiple times throguh XXXX and XXXX they keep verifying this account, i never lived in ohio or been there where this account was opened

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 08-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: AFNI, INC. contacted me about an XXXX account. I was told that if I paid the account it would be removed from my credit. After, I paid AFNI , INC, I was told that they do not remove the accounts from my credit. The AFNI reps lied to me on multiple occasions about deleting the account before I paid them. After I paid the AFNI rep told me that the account would not be deleted and that there was nothing that I could do about it. I reminded her of what she said before I paid and she hung up on me. When I call back everyone that I talk to at AFNI now says that account will not be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Consumer Loan (Vehicle loan) with OpenRoad Lending (CA).
Issue: Taking out the loan or lease

Complaint: I performed the initial steps to see loan refinance options with " Open Road Lending. '' They presented themselves as a middle man of sorts. They would find the best banks and then they would pass along the information. I received a call from one of their representatives stating that they could only talk on the phone. I called the customer representative and gave him the information. I informed him that my only income comes from a XXXX pension. He said, " you 're XXXX? '' I answered yes and said I was on this retirement for 5 years. He questioned how I can be XXXX and have been XXXX when I was XXXX. He then said " this is a problem, the banks wont like it. '' He promised a return call. All I received was an automated email. I wrote a certified letter to the company, asking for the removal of the inquiries. They sent back an official denial letter, stating that they are a dealership, not what they advertised. I submitted a review online to XXXX XXXX, and they responded by saying that they are not a dealership. This is definitely something that a layman would not have picked up, and is deceptive. Their comments regarding my XXXX were borderline harassment, and were discriminatory in nature. The banks that they did send it to were some credit unions in Texas, the same state that " Open Road Lending '' operates.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 08-11-2016 about Bank account or service (Checking account) with ASSOCIATED BANK, NATIONAL ASSOCIATION (MN).
Issue: Account opening, closing, or management

Complaint: I discovered two-three weeks ago that Associated Bank was assessing overdraft fees for debit card transactions on my business account. It was my understanding and experience that if funds were not available, I would receive an " insufficient funds '' notification at the time of the transaction rather than have Associated Bank treat the transaction as a chequing account overdraft. 

When I opened the accounts, I spent approximately one hour and one-half hour meeting with the banker. At no time was I informed that overdraft fees would be charged to my debit card transactions if funds were insufficient. After I discovered this issue, I contacted Associated Bank and was told that there was an " opt-out '' for such transactions. This option was never discussed with me at the time I opened the account as I would have opted out. 
After reaching out to the bank and asking for a resolution - i.e., the restoration of the overdraft fees for the last 30 days, I informed them that if we were unable to resolve it I would be moving my accounts. This morning I received notice from Associated Bank that it would refund me a small portion of the overdraft fees. However, Associated Bank canceled by debit cards and closed my bank account. When I went to the bank to determine why my cards had been canceled and the accounts closed, I was met by several bankers at the teller window who simply stated " Your accounts are closed. '' I did not ask to close my accounts and instead told a Associated Bank representative that I would be meeting with my accountant on Tuesday XX/XX/XXXX to discuss the accounts, ensure that I had retrieved my bank data, speak with an attorney, and move the accounts. 
Associated Bank was sued for the same practices in federal court in XX/XX/XXXX ( Civil File No. XXXX ( XXXX. Fla ). In XX/XX/XXXX, a settlement agreement was reached wherein the Associated Bank agreed that it had an affirmative duty to inform its customers of debit card charges and to provide them with the opportunity to opt-out. 
The same practices continue to be applied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/24/2016 about Debt collection (Medical) with EQUIFAX, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do n't know what else to do with this situation! Medical bills are arguing my credit! I pay my bills ... .. Please stop giving me bills that should be pay by my ex husband ... ... he paid all before our divorce

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MERCANTILE ADJUSTMENT BUREAU, LLC (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Amount owed to XXXX was only for {$90.00} total on Acct. # XXXX, for XXXX XXXX XXXX, XXXX, XXXX, NJ XXXX. 
Paid in full " at '' XXXX on XXXX in XXXX on XXXX/XXXX/2016. The " Fraudulent '' amount that you presented on my Credit Report of {$180.00} was given to XXXX on XXXX/XXXX/2016. It is to be taken OFF of my credit report IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PNC Bank N.A. (NJ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Eve ry month since I obtained this PNC Bank Visa card I have paid the monthly balance from my PNC Bank checking account bill payer feature. Every month I log into my account, insert the credit card balance amount, the payment date, and submit the electronic pay ment. I timely submitted the credit card payment to be electronically tr ansferred on   XXXX   XXXX   XXXX  . However, on this occasion PNC Bank sent me a check ( see attached ) that is payable to " PNC Visa Card. '' When I received the check in the mail I called PNC B ank and arranged at the suggestion of a customer service person,  XXXX   XXXX , to transfer th e Visa c ard balan ce due to Visa ( a n alternative payment method which I had previously not known was available ) ; and I asked  XXXX  to reverse the late fee and interest related to this screw-up. She said, on   XX/XX/XXXX ,   she could not do that but would escalate my waiver requests. A  day or two later  I was called by a person,  XXXX , responding to the " escalation '' request and she agreed to reverse the {$25.00} late fee and said no interest has been charged. I followed up on   XX/XX/XXXX  , after ch ecking my online PNC V  isa  statement, by again calling customer service and spoke with  XXXX  who said she would again escalate my fee and interest waiver requests as she was unable to connect me to  XXXX  ; and  XXXX  informed me, as  XXXX  had done when she first escalated the requests, that I will be contacted within  48 h ours. But I 've  not been contacted with respect to this matter. So, the late fee and interest charge remains on my account, I want it refunded since the Visa payment was late due to PNC Bank 's issuance of a check to me rather than having electronically transferred the payment to PNC Visa.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Mortgage (FHA mortgage) with CHURCHILL MORTGAGE CORP (TN).
Issue: Application, originator, mortgage broker

Complaint: In both XX/XX/XXXX and XX/XX/XXXX, XXXX Mortgage company pulled my credit to try to obtain a loan approval without my authorization. After contacting the local agent who fraudulently pulled my credit twice, I then spoke with her XXXX. He refused to remove the hard inquiries from my credit and offered me a credit only if I chose to utilize their service for a refinance. I made several attempts to try to resolve the issue, via email correspondences and telephone, but felt as though I was getting the run around. Had XXXX never pulled my credit, while I was in the middle of a family crisis, I would not have considered the refinance at either time. I simple asked for information based on a spam email which I received from the local agent XXXX and she took it upon herself to run my information which they had on file from a home purchase I made through them in XX/XX/XXXX. My credit was not where I would have wanted it to be for a refinance and even though it was approved, I would have rather wait on a better credit score to lower my interest rate. However, this option was taken away from me. I had to consider going with their company within the 90 day period, as to not further damage my credit or have another company pull it a XXXX time at a later date. This is not fair to me as a consumer and I believe it caused me to delay a refinance even further than anticipated. It certainly has cost me more in the long run.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (MO).
Issue: Struggling to pay mortgage

Complaint: The second mortgage was discharged in a chapter XXXX bankruptcy in XXXX and the debt was not reaffirmed. In XX/XX/XXXX, I reached out to the lienholder and offered a settlement of the debt. On XX/XX/XXXX, we submitted a complete review packet to the lender. On XX/XX/XXXX, the lender flatly refused the settlement offer. On XX/XX/XXXX, a new settlement offer was submitted to the lender. On XX/XX/XXXX, "  XXXX, '' our Single Point of Contact, said that they would likely counter to {$15000.00}. I requested they put that in writing, and they never did. On XX/XX/XXXX, they flatly denied the settlement offer again, and directed us to call XXXX XXXX with any questions. We submitted a third offer and they flatly denied it again in XX/XX/XXXX. A fourth offer and fifth offer were not reviewed - the lender confirmed receipt of documents, then days later sent denial letters based on a lack of the very same documents of which they had previously confirmed receipt. We submitted a sixth offer and review packet, and after weeks of review, we received a letter congratulating us on being selected for a loan modification - which would require us to reaffirm the debt which was discharged in bankruptcy. The letter even states that the request for settlement was not even considered because of the approval for a loan modification.

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 04-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Altisource Portfolio Solutions, S.à r.l. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company called XXXX was trying to charge me on a cancelled service. I tried to contact them few times and was told for a refund, but was never processed, so I contacted my credit card company which is XXXX. XXXX then stepped in and contacted XXXX. Everything was taken care but months later, XXXX filed a collection through Nationwide Credit Inc . I 've been trying to contact Nationwide Credit Inc for the past weeks, but they removed my online access, never picked up my phone, never returned my voicemail. What can I do? XXXX should 've spoke up when XXXX contacted them, but they did n't. They instead file me a collection, and the collection company does n't care to contact me at all. XXXX already wasted me a LOT of time. How come I 'm the person that has to waste my time to deal with XXXX 's mess. I ca n't just let them kill my credit and steal my money. Is there anything I can do? Thanks.

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 06/20/2017 about Debt collection (Medical debt) with Penn Credit Corporation (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I told them that this is not me. I have never been to this part of Florida. i have never been in an ambulance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX inquiries on my credit report that I did not authorize. I have contacted Transunion requesting removal of these unauthorized inquiries and was told there was nothing that could be done and they suggested I call the companies which I did and was told by the companies to dispute it with Transunion. I feel this is unfair because I do n't have credit accounts with these companies nor did I authorize the inquiries and Transunion wo n't remove them. This has caused my credit score to go down. Below are the unauthorized inquiries XXXX XXXX XXXX Bank - Dated XXXX XXXX, XXXX XXXX - Dated XXXX XXXX, 2016

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 08/19/2016 about Credit reporting () with EQUIFAX, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Have student loans already paid and more than seven years old that still appears in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (UT).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX, I contacted PennyMac to have our house assessed to have our PMI removed. In XX/XX/XXXX, our house appraised at {$350000.00} Since that time we have added a new roof, a new water heater, a new furnace, we have put in a {$2000.00} fence in the back yard, and housing prices have risen in general. We asked PennyMac to do a BPO and were told that someone would drive by and look at the front of our house and the back of our house from the outside and that the person would also pull comparable for houses in the area. The first time the BPO happened, the amount came back at {$320000.00} Upon closer inspection, it appeared the person who did the BPO did not even take photographs of the correct house, but instead photographed our neighbors house. In addition, all of the houses that were pulled as comparables had far fewer square feet and almost all of them were much older houses than ours, one up to 18 years older. We pulled some of our own comparables from our area that more accurately compared to our house and sent them to PennyMac, which put the value closer to {$400000.00}. In addition, we notified them that the BPO had taken photographs of the wrong house. We received a letter from PennyMac indicating that they were not going to change the BPO amount. It is preposterous to assert that our house value has gone down from XXXX to XXXX in the current market. Furthermore, the BPOs own document puts the average sale price in the last 3 months for comparable houses at XXXX. We believe this is a systematic problem with PennyMac in an effort to unnecessarily collect PMI when it is not appropriate. Our house only needed to appraise at {$360000.00} to have PMI removed and it is unfathomable that it would n't come back at that amount. What PennyMac is doing borderlines on fraud. After further research it appears that this is being a problem nationwide where mortgage companies are forcing the use of their own selected individuals to do BPO and appraisals and they are routinely and conveniently coming back under the amount necessary to remove PMIs. I ask the CFBP to investigate this systemic and nationwide problem so that consumers are not at the mercy of these corporate companies who have an incentive to keep the PMI in place. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CT).
Issue: Loan modification,collection,foreclosure

Complaint: Approved for a loan modification with ocwen. All trial payments made on time. Ocwen failed to send out final paperwork to be signed within a reasonable time frame. Signed and sent back only to be told done incorrectly. Waited another unreasonable amount of time for second try at paperwork. Sent back and not accepted. Waiting for the third set of paperwork to be reviewed. At no time did ocwen offer to explain why paperwork was wrong. Incorrect or missing information on their website. Credit reporting during trial period was current. After trial period no information given for current payment to be made. Ability to pay online and on phone retracted. Payment statement slips no longer arrive at my home. No longer reporting current but 180 days plus late and " congratulations you have been approved for a modification '' removed from their website. While in modification process constantly receiving calls about collecting a debt and how we are in default and what are plans were. It 's like they are XXXX different companies. Very concerned that I will lose my home. They have not been straight forward with me. They have lied to me and deceived me. I have given up trying to talk to these people. My lawyer will handle from here on out ...

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am receipt of Transworld Systems letter informing me they are handling the collection of an account that is a debt. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Transworld Systems and me which makes them entitled to enforce a commercial claim against me. Transworld Systems have not provided any proof of contract to substantiate their claim. Such as providing me with a certified copy of an original contract with my signature, specifically naming Transworld Systems as a company entitled to enforce a commercial claim against me.

Company response to consumer: Closed with explanation