milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (WI).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Applied for XXXX XXXX US Bank XXXX XXXX card on XX/XX/XXXX after receiving offer for {$150.00} welcome bonus for spending {$500.00} in first 90 days of opening account. 

After meeting terms, I called on XX/XX/XXXX to inquire about receiving bonus. I was told i needed to provide the advertisement in order to receive the credit. 

The offer was through an online landing page, and no terms were provided after signing up through the promotional landing page. 

They are currently running the same promotion and have advertisements for applications received XX/XX/XXXX through XX/XX/XXXX. They will not accept this promotional advertisement as proof as the card was applied for on XX/XX/XXXX and it was a prior promotion.

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 12/23/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Trouble during payment process

Complaint: My loan recently transferred from XXXX to Mr. Cooper. Mr Cooper neglected to pay the insurance renewal, of which resulted in it being cancelled with no option to reinstate. The ins rep acknowledged that they rec a notice of cancellation yet did not remit payment so that the cancellation could be avoided. I have been communicating with both Mr Coopers customer service department and insurance department to no avail. I have even tryed to obtain the assistance of FBs online service representative. Its as though no one cares. 

The policy canceled on XXXX/XXXX/XXXX and I am still without insurance. 

Mr. Cooper, formerly known as Nationstar Mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is a tax lien from the state of kansas on my transunion credit report. I have made attempts to contact transunion about the inaccurate information they have place on my credit report. There are numerous inaccuracies with the information they are reporting, the amount of the lien is incorrect, the dates of the filing is also not accurate. Even with these incorrect entries, they also refuse to report the lien as being paid, which as you are aware is devastating to my credit rating. The sheer fact that the state of kansas would let me go years without paying a tax lien is unheard off, they would have levied everything i have, garnished every paycheck and taken everything from personal banks to satisfy their lien. The simplest truth is that with this inaccurate reporting of what transunion has reported as facts has cost me dearly in terms of obtaining favorable credit in terms of home and auto loans, and on numerous occasions kept me from obtaining new credit with banks whether for personal or business. My resolution to this is for this inaccurate entry on personal credit report be deleted.

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 10-11-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: I had gone into a Bank of America to cash a check which was drawn of the same bank. I I specifficaly asked the teller to verify the funds which she did so and the check was cashed and given to me. A week later my account which was n't linked to the transaction was overdrawn for that amount. They claimed that the maker of the check stated it was fraudulent but I have supplied multiple letters from that establishment signed by the owner stating it was not. I am on XXXX and XXXX and I cant get off!!

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 08-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I 've been a victim of Transunion 's inquiry issue and they refuse to remove the inquiries after calling their customer service representative. Their customer service would not help and take care of the negative inquiries reporting to my credit report.

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 04/21/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NV).
Issue: Loan modification,collection,foreclosure

Complaint: This is a response to the complaint that was submitted  XXXX   XXXX ,   XXXX   regarding Nationstar Mortgage. Their response to my complaint #  XXXX  is false. My attorney was disbarred and they know this. According to Nationstar, their records indicate I am being represented by an attorney. That is wrong. They make up excuses to avoid dealing with the issues. This causes barriers when trying to get to the truth. Nationstar foreclosed on my house knowing I was trying to avoid foreclosure. To tell me it is too late to process a short sale is unacceptable. The foreclosure was fraudulent. I would like a full investigation into the decisions Nationstar made during my quest for a loan modification and finally a short sale. The fact that an offer for {$400000.00} to purchase my home through a short sale and Nationstar forecloses and then lists the house at {$370000.00} is again unacceptable. This was an act of greed and down right corrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Student loan (Private student loan) with DISCOVER BANK (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Im not sure that anything illegal has happened but more unethical. This loan was originally secured through XXXX XXXX in XX/XX/XXXX at which time XXXX year old me had been accepted to a school in AZ. XXXX XXXX told me that my interest rate would be 'prime plus 1 percent ' which would have been around 7 % at the time. Once I had traveled to AZ and signed a lease for an apartment, the finance department had me sign for the loan which suddenly was 14 %. Locked into a lease and 3000 miles from home, I signed the loan agreement. 

Later in XX/XX/XXXX I joined the military and this loan was put into deferment. The loan, and myself moved around a lot. As the loan was sold and repurchased and as I moved from station to station ( up to four times in a year ) I lost track of the loan which had been ballooning up to XXXX from XXXX. 

Trying to acquire information on the loan through the lenders is nearly impossible. Even when the loan stays with a bank they rename and format the loan information and when asked for payment history, I receive a hand typed XXXX file with 'loan fees ' and other various information on it that the bank is unable to explain to me. 

I have been paying off the loan have it down to XXXX now but recently left the military to pursue college once again with my government benefits. When I started school the bank automatically differed the loan that I had been paying on without any contact to me. I only realized when checking my bank and noticing that the loan payment had n't been deducted. Then upon reestablishing my automatic payments, the payment I made was put towards the next month, allowing another XXXX dollars of interest to accrue. 

After all of this I was going to get a 0 % credit card with XXXX balance transfers and put the card there until tax season when I would pay it off ( I have the money now but it would be a huge stress before XXXX ) but Discover now tells me that they do not accept credit card transfers. This is absurd. I may have been able to do this with the other banks that held the loan but during the bank process of reacquiring the loan, I apparently just have to accept the terms and conditions of whatever new bank wants to give me? I feel there is little protection for consumers, especially considering the age and ignorance of a XXXX year old against such a financial institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/21/2015 about Credit card () with CITIBANK, N.A. (AP).
Issue: Late fee

Complaint: Been receiving late fees from CITI due to no fault of my own. 
CITI has refused to settle this issue and/or repair their web page, never replied to the online messages i sent and/or responded to me from their service reps submitting trouble tickets for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Credit card () with CITIBANK, N.A. (WV).
Issue: Advertising and marketing

Complaint: I was offered a {$100.00} statement credit on a plane ticket from XXXX XXXX if I applied for, obtained, and used their frequent flyer card from Citi Cards. I applied for the card and was approved, but was not provided with the opportunity to pay for the ticket with the card. I called Citi Cards for help, but was informed that I could not use the card to purchase the ticket until I received the card in the mail. This was not the offer that was displayed on the XXXX XXXX payment page -- it clearly showed a {$100.00} statement credit on the fare that I was purchasing. Waiting for the arrival of the card in the mail would result in me losing the selected fare. Citi customer service blamed it on the encryption ability of my browser, but I learned after the call that the browser I use -- XXXX -- matches the encryption security of the server to which it connects, meaning that the security issue is on Citi 's side, not mine. The Citi representative reported that she gets XXXX calls like this a day, suggesting that the problem again is on Citi 's side, not the consumers. 
In short, Citi and XXXX made an offer, which I accepted by applying for the credit card and taking a " hard pull '' on my credit report. Citi and XXXX then refused to honor their offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: INformation on the credit report with XXXX XXXX XXXX and XXXX XXXX was removed and it appeared on my credit report. It has been over 30 days since I have filed a dispute and they state that the information is correct from the furnisher and when I contact the Creditors or debt collection agencies they state that they never disputed any information with Transunion, XXXX, and XXXX. 

I have asked Transunion, XXXX, and XXXX  whom they verified the information through and their statement are outside vendors and there are tons of those. I want to know which vendors they are using to get this information. 

When Notifying Transunion, XXXX, and XXXX. They will not let you dispute information again. This should be illegal for them to do so. I would like for all three CRA send me a most up to date credit report ASAP.

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 01-10-2017 about Student loan (Non-federal student loan) with Dream Center Education Holdings (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Have a loan that is from an institute from a different state ; it was online services. The only loan I should and do have is a institution in New York only. I would like to dispute this and get it off my loan

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Debt collection (Payday loan) with Platinum Holdings Group, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Continues to try and collect on loan i have paid off ... and now has sent it to a company named PAS who claims i owe it and also has threatened my work and also my landlord. For something i continue to tell them i dont owe and now they tell me the debt continues to grow and im charged for each time i they attemp to contact me!

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Non stop threatening phone calls

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 02/24/2017 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I called University Accounting Services trying to re-establish a payment plan ( XXXX ) for my student loan for " XXXX '' They advise me to call XXXX @ XXXX for them to advise me that my account is XXXX XXXX and they ca n't give me any information to contact XXXX by mail because they do n't even have a phone number for " XXXX '' them self

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: in XX/XX/XXXX my daddy XXXX  XXXX ciiti financial sent him letter were we lived an said they want to foreclose on a second mortgage we did not know about. XXXX XXXX my XXXX XXXX daddy had XXXX i took care of him and now is sole owner of the deed. so i started to investigate and found out that loan was satisfied in XX/XX/XXXX and he was paying XXXX dollars a month till XXXX that when they came after him. my sister was handling his money and the bills also upon my investigation i have that my daddy had a medical report in paper from a doctor that he 0 out three recall. the remaining balace from citifinancial was XXXX dollars. and of course when i provided them evidence that i still have they forgive that loan quickly i sorry i do not how to upload but i have a fax machine. here is some info ; estate of XXXX XXXX account ; XXXX son ; XXXX XXXX owner son address ; XXXX XXXX XXXX XXXX fl phone XXXX you probably know what i what. please morning call if you can my family want pursue thats real money THAT THESE PEOPLE STOLE FROM MY DADDY

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Viking Client Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/15, Viking Client Services contacted me by mail about a " debt '' of {$670.00} from XXXX Car Rental. I know of no such debt. I contacted XXXX who had never told me about anything like this, and XXXX had no information about it. I wrote on XXXX/XXXX/15 to Viking telling them there was no such debt and asking that they drop it or " obtain a verification of the debt or obtain a copy of a judgment and mail to me a copy of such judgment or verification '' as they had indicated they would do so in their XXXX/XXXX/15 letter. They have not done so or responded in any way. On XXXX/XXXX/15, I received a letter dated XXXX/XXXX/15 again referring to this " debt '' and " offering '' me an initial payment plan of {$50.00} per month for XXXX months. 

This entire approach seems fraudulent, predatory and abusive. They have not provided any information on this " debt '' ( as they indicated they would do XXXX. I worry not so much about me, as about other poor individuals whom they must be approaching with similar tactics : official-looking letters, names of big corporations XXXX like XXXX XXXX, and no back-up or information. Just demands for cash payment for so-called " debts. " I am willing to cooperate with the CFPB or any other agency to help stop these predatory, abusive practices. If there is an attempt to collect a " debt, '' the debt collector should at a minimum be required to describe the so-called " debt '' to the debtor.

Company response to consumer: Closed
Consumer complaint received 03-11-2018 about Mortgage (FHA mortgage) with Ditech Financial LLC (TX).
Issue: Trouble during payment process

Complaint: In the month of XX/XX/XXXX, I, XXXX XXXX, mailed in a check to of {$15000.00}, On the check memo I specified " principal balance '', I also made sure to mail to the corresponding PO BOX that was provided to me via customer service. I had been speaking to customer service about doing this weeks prior to avoid my funds being misapplied. It has been two weeks and I am still with customer service trying to have this misapplied credit be corrected. My funds are still being misapplied and this action needs to be corrected immediately. The funds were divided within monthly payment instead of my funds being applied to Principal Balance, although identified numerous times. I am getting the run around and this is time sensitive.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is refusing to investigate inaccurate items on my credit report. There are a total of XXXX XXXX accounts on my credit report that were included in my bankruptcy that was filed XX/XX/XXXX and discharged on XX/XX/XXXX. These accounts are being reported at 120 days late, transferred/closed, when they should be listed as included/discharged in bankruptcy. Experian would not allow me to dispute these items stating that they were previously disputed ; however, this account was never disputed as being included in my bankruptcy. This entitles me to dispute a new request with new information under the Fair Credit Reporting Act. Also, Experian would not allow me to dispute a XX/XX/XXXX tax lien in the amount of {$1000.00} that was also included in my bankruptcy and updated in public records.

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 09/15/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (MI).
Issue: Deposits and withdrawals

Complaint: I paid XXXX on my Chase Freedom Card by accident about 6 months ago. I do my banking online and meant to pay my XXXX XXXX card. I did not use the other card at this time. 
When I discovered my error, I stopped in to the XXXX, MI Branch of Chase Bank and talked to an a man in the office. He looked up my account and said yes I see you have this credit on your Chase Freedom Account. 
I asked him to correct it and put the money in my checking account so I could pay XXXX XXXX. 
When I was in XXXX XXXX, MI, I went in to the Chase branch of the bank. This man at a desk said there was not a similar amount paid from my checking account to anybody. Therefore he said I did not pay it. It took me several calls and internet messages to get this credit removed from my Chase Freedom Card. 
Yes I want to file a complaint. I do n't know how this debit did not show in my checking account but I know I made this payment and know I meant to pay XXXX XXXX on which I had a balance because I was using this XXXX instead of my Chase Freedom. 
Now they have deducted this XXXX XXXX on my XXXX XXXX but say this was a bank error. In my XXXX years of banking, I have never had a credit posted to any credit account in my life. 
File a complaint in regards to credit card issues with chase, by going online to consumer finance.gov, phone by calling our contact center at XXXX or file complaint form which you can request by calling the contact center, or lastly by fax or mailed in letter if you choose to file by mail please have you letter include : - Name- Mailing Address- Phone Number- Company Name- Company Mailing Address- Account Number- Desired Resolution- Details of any communication you have had with the company about the issueAnd mail toConsumer Financial Protection BureauXXXX XXXX XXXX XXXX, Iowa XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
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: On XX/XX/XXXX I received a copy of my current Transunion credit report which I had requested. I noticed several problems and called right away. 

After spending 30 minutes on the phone with XXXX, aTransunions representative in the Special Services dept. explaining the missing information I awaited the investigation results. 

On XX/XX/XXXX I received the results of the investigation. They corrected ONLY my birth date and did not address any of the missing accounts on my report. I called again and spent another hour on the phone explaining the previous history of the issue, more detail on the issue and the assurance that it would be thoroughly investigated again. 

On XX/XX/XXXX I received the next communication claiming the " dispute is now complete ''. However, they only added ONE of the missing accounts. 

My credit score is being significantly impacted in a negative way by this missing information. 

I would like help getting Transunion to correctly report my credit history.

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 02-01-2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Pennymac is not adhering to RESPA, TILA, and consumer protection laws for mortgage loan servicing. I attempted to remit my payment today by the web and called in to only wait on hold for 25 mins, and was ultimately and erroneously denied due retaliatory discrimination for filing a HUD complaint. I contacted the company and informed them that I planned to remit a payment this month and instructed to do so by the rep. This is ridiculous and now my loan will report late. I want this investigated by HUD and CFPB and CA attorney general 's office.

Company response to consumer: Closed with explanation