milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Dear Sir or Madam : FedLoan Servicing, a subsidiary of PHEAA, which manages the collection the student loan payments for the DoE, unlawfully and unethically administers the program in violation a various state and federal laws. Specifically, FedLoan Servicing engages in, inter alia, the following unlawful practices : ( 1 ) it charges usurious interest rates ; ( 2 ) it refuses to accept payments on weekends and holidays despite charges per diem interest on those days ; ( 3 ) it deliberately posts payments at least one day after receipt in order to delay processing and charge more interest ; and ( 4 ) it limits electronic payments to eight ( 8 ) per month. Despite multiple inquiries requesting the legal authority on which they rely, FedLoan Servicing ignores all communiques. Please investigate. Thank you. 

Very truly yours, /s/ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Debt collection (I do not know) with Bronstein & Weiss Arbitration (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Bronstein & Weiss keeps calling me saying I am on a complaint list of several federal charges and they want to talk to me to stop papers from being filed against me. They have had a " server '' call and leave messages for me to be available between XXXX & XXXX so they can serve me papers. I have asked repeatedly for them to stop calling me at work. They continue. I have asked for information and they demand I give them my personal information for them to verify. I was robbed and my personal information was stolen so I have no idea if the debt they say they have is legitimate. Regardless, they have been asked to stop calling me at work. They have not sent any kind of paperwork to show what they are trying to collect for.

Company response to consumer: Untimely response
Consumer complaint received 11/13/2017 about Payday loan, title loan, or personal loan (Installment loan) with RSVP Lending, LLC dba RSVP Loans (AL).
Issue: Getting the loan

Complaint: I received a letter to apply for a loan with their company. I uploaded all requested verifications and was denied. However, the only reason for the denial was " unable to verify application based on documents you provided. '' I called ( XXXX ) to see what could not be verified, and the lady I spoke to stated she could only tell me the same thing my " Notice of Adverse Action '' stated.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AFNI INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received a letter in the mail dated XX/XX/XXXX from AFNI regarding the collection for a XXXX account. Before I could have the chance to dispute the collection and obtain validity the company placed it on my credit reports XX/XX/XXXX. Normally you have 30 days to obtain validity with the company. This was my 1st notice I have ever received from them.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
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: Equifax and XXXX refuse to remove fraudulent inquiries on my Credit Report. On XX/XX/XXXX 2017 I sent letters to all three Credit Reporting agencies describing my problem accurately, request for removal, a copy of Drivers License, a copy of Social Security card, and a recent copy of utility bill to validate claim. XXXX  removed every fraudulent inquiry immediately. Please help me with Equifax and XXXX. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am the mother ( third party ) that pays the debt my daughter owes on her unpaid XXXX. I authorized a payment in the amount of {$200.00} to GC Services LLC on XXXX XXXX 2016 toward my daughter 's debt of {$460.00}. I filed a XXXX complaint against GC Services for their lack of professionalism, customer service, and delays in processing the payment. I spoke withXXXX XXXX, Chief Compliance Officer & Legal Counsel for GC Services on XXXX XXXX 2016 regarding the non-processing of the {$200.00} payment to XXXX. I spoke with XXXX on XXXX XXXX 2016 and was informed the GC Services never processed the payment to XXXX. XXXX XXXX and GC Services staff ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ) all claim the payment was processed in a timely manner. GC Services is upset with my handling of the situation and refuses to process my daughter 's payment. This is a violation of my daughter 's right to have her driver license reinstated. My XXXX complaint was resolved because I believed the payment was processed at the time. After speaking with XXXX, I requested the XXXX reopen my case ( XXXX ). I have attached the following documents : email reopen case XXXX, GC Services response letter ( 1 ), GC Services response letter ( 2 ), initial XXXX complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CA).
Issue: Account opening, closing, or management

Complaint: PayPal limited my account without warning or reason stating " your account has been limited '' with no oppurtunity for appeal. I have called them nearly a dozen times to get this resolved and no one will give me any information other than " you have violated the terms and conditions '' or " PayPal will no longer to do business with you. '' Since limiting my account, they have held my funds for more than 180 days, despite them saying that 's when I would receive my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have mailed 3 separate letters requesting EXPERIAN to validate accounts listed as XXXX, XXXX, XXXX, and XXXX XXXX. With those letters sent ... I included notarization for every single letter along with copies of my identifications. I also mailed all of those via certified mail as evidence. 

However, Experian has failed to verify those items as I have not received any documentation with my signature on it. Every time I receive a generic response from Experian saying that they have already verified and that they will not reinvestigate this matter. Yet I dont have any verification as proof. 

I sent letters on the following dates to EXPERIAN : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On XX/XX/XXXX, EXPERIAN basically responded with a Credit Report copy without any changes. I will attach the last response they sent on XX/XX/XXXX. 

I spent money multiple times on Notaries and in Certifying Mail services trying to resolve this with EXPERIAN.

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 03/18/2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (MT).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: GOOD SUNDAY, SIRS. CITIBANK SAID IF OPEN A CHECKING ACCOUNT BEFORE THE END OF XXXX, AND FUND IT WITHIN 30 DAYS, AND KEEPING {$50000.00} FOR 60 DAYS, THEN YOU WILL BE AWARDED {$500.00}. I OPENED ACCOUNT BEFORE THE END OF XXXX, BY XX/XX/XXXX, MAINTAIN {$50000.00} ALL THE WAY TO LAST FRIDAY. THEY DID NOT GIVE ME {$500.00}, LAST FRIDAY, I CALLED, FIRST LADY TO ANSWER THE CALL SAID SHE NEEDED TO TALK TO HER BOSS, SECOND PERSON ANSWERING THE PHONE WAS GUY, FIRST HE SAID THAT I DID NOT HAVE PROMO CODE, I SAID THE WHOLE PROMOTION NEVER MENTIONED THAT IT NEEDS A PROMO CODE, THEN HE WENT TO TALK TO HIS BOSS. A LADY BOSS TOLD ME ON THE PHONE THAT I DID NOT MAKE ANOTHER DEPOSIT IN THE CONSECUTIVE MONTH, I REPLIED THAT YOUR ADVERTISEMENT IS {$50000.00} IN THE ACCOUNT FOR 60 CALENDAR DAYS TO QUALIFY, DID NOT SAY NEED MORE THAN {$50000.00}. SHE WAS NOT ABLE TO HAVE A FAIR ARGUMENT. 
THE ADVERTISEMENT NEEDS TO BE FAIR AND SQUARE, CAN NOT SLAP ITS OWN FACE. PER BANK 'S PROMISE, THEY OWE ME {$500.00}. AND YOU BE THE JUDGE. 

THANK YOU

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 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have been filing complaints for 2 years and nothing has been resolved the only thing the XXXX and XXXX and Experian is put on a statement consumer filed bankruptcy even though that was more than 2 years ago then lowering my credit score even more than it was before. I did not have any of the inquiries removed like i requested with certified letter that i did not authorize or know about XXXX inquiries. they did not update the information for XXXX it properly and they still have not remove payment histories XX/XX/XXXX until XX/XX/XXXX when I filed bankruptcy it still includes payment history prior to my bankruptcy That was supposed to be removed by and was mandated to do so by the Ombudsmons group. CFPB keeps closing these  investigations without an resolution. Im about to file an official complaint against CFPB and ALL credit bureaus. This is old. I sent CERTIFIED LETTER THAT REQUIRED A SIGNATURE. THEY SIGNED AND DIDNT DO NOTHING AGAIN.

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 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On or about XX/XX/XXXX I applied for a XXXX XXXX XXXX XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. On XX/XX/XXXX I received a denial letter from XXXX XXXX dated XX/XX/XXXX ( Being sent herewith ) which stated in relative part " ... Your credit card request was carefully considered, however, based on information in your credit report, we are unable to approve your application at this time for the following reasons : " inquiries did adversely affect the score Consumer associated with too many phone changes Not enough bankcard debt experience Not enough debt experience. '' The letter further stated that : " Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. '' The consumer agency listed was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Your credit score as of XX/XX/XXXX : XXXX The information reported to XXXX XXXX by XXXX XXXX XXXX is inaccurate. My credit profile with XXXX, XXXX, and XXXX  does not reflect " any '' of the information alleged by XXXX XXXX XXXX. In fact, I have an XXXX XXXX Platinum Card for the past 41 years and my Credit Score is well in the " Very Good '' range and my mix of credit cards and loans etc. are considered to be " Excellent '' by all three of the aforementioned Credit Bureaus.

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 09-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I am trying to get a loan modification from U.S. Bank. The property was originally my primary residence, but a job transfer forced me to move. I now have it rented for much less XXXX {$900.00} XXXX than the mortgage payment. The loan was originally a 5-year interest only ARM. After 5 years, it converted to a 25 year at 6.6 %. If this was a XXXXFHA, I would be able to get it modified at rates close to market rates. However, since it is owned by U.S. Bank XXXX portfolio loan ), I have to go through them. U.S. Bank has been a disaster to work with. I applied for a modification and was denied and no one can explain the reason to me. They calculated my XXXX at 16 % ( but that does n't include primary residence mortgage or another property that I have as an " accidental landlord '' due to job transfer ). No one there XXXX customer service, escalation, etc. ) can tell me how they came up with the DTI number used to deny my loan modification. It was been an awful customer experience, with no one at U.S. Bank able/empowered to make a decision or give me any information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. ().
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: THERE IS AN UNKNOWN 30 DAY LATE REPORTING FALSELY ON MY CREDIT REPORT FOR XXXX 2017

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 11-04-2016 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Credit card protection / Debt protection

Complaint: I purchased a bed in XXXX XXXX from XXXX 's and opened a credit card with Synchrony Financial with a promotional 0 % interest rate until XXXX/XXXX/XXXX. I then returned the bed for another bed that was more expensive. The difference of {$290.00} was put on this same credit card with another promotional 0 % interest rate for 6 months ( amount due XXXX/XXXX/XXXX ). The issue is the minimum payments did not include the amount necessary to payoff the amount of XXXX promotional rate before it expires. This causes the deferred interest to be charged even if you pay the minimum payment. The credit card is one account so any payment should first be applied to the purchase off the promotion that has the shorter promotional expiration date to avoid the deferred interest instead of applying the minimum payment equally over the two promotions. Also there is no clear disclosure on the statement for how Synchrony decides to allocate payments ( apparently equally ). This equal allocation of payments traps consumers into not paying off the promotional balance before the promotional expiration date.

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 06/30/2015 about Debt collection (Payday loan) with GLOBAL CLIENT SOLUTIONS, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I filed a Chapter XXXX Bankruptcy on XXXX/XXXX/XXXX with XXXX Bankruptcy XXXX. My discharged date was XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received a call from Global Solutions, XXXX. They are representing a payday company. I asked her who is the company but she said it so fast I did not understand her. They also called my son. I called them back on XXXX ext. XXXX an spoke with XXXX. I advised her that I had filed a Chap.XXXX She advised me that I had committed fraud. I hung up on her. She proceeded to call me back but I did not answer the phone. The phone rang at least 10 times. I called the lawyer that I had file the Chap-XXXX with and was advised to report my complaint to you because it was a scam. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Paramount Recovery Systems, L.P. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX   XXXX      XXXX   XXXX   XXXX     XXXX   charge off last bill was paid in fill then i notice this on my report  XXXX  never had this account its not me, i just opened a account with   XXXX   XXXX   XXXX      XXXX   XXXX      XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX     XXXX     XXXX   XXXX  these accounts has been paid and closed but it shows a few times on my report and this does not help with my score   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX    XXXX   XXXX  paid and closed   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX  paid and closed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XX/XX/XXXX, my husband and I sold our old house and purchase a new one. Once moving into our new house, I received a Chase Amazon signature Visa with a {$6500.00} credit limit that was mailed to my old mailing address but luckily forwarded to my new house. I did not apply for this card so I called chase and cancelled my credit card. Since then, I have had 3 Chase Amazon application submitted in my name without my knowledge until it shows up from my credit alerts. XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX. All applications were denied. All were applied under my old address. I have called Chase each time and told them I did not apply for these cards and please send the credit bureaus a request to take this off my credit report but with no prevail. I have researched and it seems many people are having the same issue with Chase and Amazon around the XX/XX/XXXX time-frame and once the buy a new house. I do not have any other fraud alerts coming across for any other cards just Chase Amazon, please Help this is ruining my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have complained several times because of this Navient. They are the biggest criminals out there period!!! 

After complaining about payment distribution troubles and unknown charges and having made so many payments in the last years and principal balance not going down they said I need to make larger payments. 
So after hearing this I decided to have my family help me and I made a payments last month for XXXX dollars then XXXX dollars a few days ago XXXX dollars. Having said that, Navient has realised that I am making larger payments so they decided delaying the payment processing on purpose. When I was making my payment a few days ago my balance was XXXX dollars less. Because of this delay now its more as you can imagine so they are delaying the processing so that more money of my payment goes towards interest. There is no reason why payments made electronically should be delayed for several days XXXX days to post those XXXX days cost me money in interest everytime. I have made a payment on tuesday today is saturday my payment has still not posted i have checked everything with my bank and all is ok it seems that it is just them delaying it. Besides that i have always made payments the same way though the same bank and have never had trouble before so dont know who or why my payments are delayed suddenly now after i am making larger payments. I have talked to Navient and they said that it sometimes takes a longer time to post payments and they cant control that. I was told they cant do anything which is incorrect and my according to my attorney they can not do that. I have a credit card with citi when I make a payment through my bank online it applies immediately. Why does Navient not have something like that and if not fine but then at least give me a credit back for the days it took you to process my payments because you can imagine how quickly this business can start to earn money imagine if they only took a dollar per delay to how much that adds up to. If they are truly that what they claim they are and if they want to help students pay off their student loans faster then dont take money from students. Shame on you!!! This is just one example of the so called micro-theft you do to students thinking people are stupid they will not realise when you take a few bucks from them. So sad.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: My credit cards were stolen on XX/XX/XXXX from XXXX in XXXX XXXX , the thief then proceded to run to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and committing fraud by charging my debit card ( without pin ) for XXXX. My phone texted me to tell me the transaction and I immediately called Chase and told them it was fraud and to shut my card down, they did and reversed, now I got a letter saying the transaction was valid. I called them back today XX/XX/XXXX and told them it was not and there is a video of the fraud and the signature was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I purchased a car in XXXX/2017 the car dealer sent my information to over a XXXX  financial institutions. each inquiry on that day was counted as a single inquiry and lowed my FICO score significantly. this was reported to each of the 3 credit reporting agencies. 
I reviewed my file and noticed the same thing happened a couple other times.

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