milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/28/2017 about Checking or savings account (Savings account) with DISCOVER BANK (FL).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened my XXXX saving account in XXXX 2017.They said if I deposit XXXX, I 'll get {$150.00} bonus. But I did n't. I called them, sent them messages. They replied me as below : ''Upon review of your XXXX XXXX account, I see that you have met all of the necessary requirements for the promotion offer of XXXX. Therefore, I have forwarded the information to the appropriate department for research and resolution. '' But today I got a letter saying I did n't meet all of the promotional criteria. That 's it. NO REASON! Just ''did n't meet all of the promotional criteria ''. 
They said the bonus will be credited by XXXX/XXXX/XXXX. But what weird is they failed to give me the statement of XXXX! It 's already XXXX/XXXX/XXXX, but I ca n't view my statement of XXXX! 

I love discover! They offer great deals and cashback for credit card holders. But it 's so frustrating this time! 

I 'll attach some screenshots as proof of my deposit and their response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-04-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (DE).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: You previously offered {$75.00} to resolve the balance for the above-referenced account. In keeping with Midland Credit 's Consumer-First policy, Midland Credit is prepared to accept your offer. Please see Midland Credit 's comprehensive response letter, which is attached for additional information. THIS IS INFO I GOT FROM MIDLAND CREDIT YET HAVE ASKED THEM TO SEND ME IN MAIL SOMETHING STATING THATIF I PAY THE XXXX BUCKS IT WILL COME OFF XXXX XXXX CREDIT. NOTHING HAS EVER COME. WE PUT A CEIST AND DESIST ON THE ACCOUNT AND THEY STILL CONTINUE TO CALL AND HARASS US.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Mortgage (Conventional home mortgage) with Experian Information Solutions Inc. (SD).
Issue: Credit monitoring or identity theft protection services

Complaint: In  XXXX  of  2016 we found  out we had a delinquent  XXXX  mortgage payment to  XXXX   XXXX   XXXX  when we had a credit check pulled. We were wanting to refinance our home. I got on the phone immediately to find out what payment was delinguent. They informed me they had not recieved  XXXX  's payment. The  XXXX  payment made the  XXXX  's payment and now I was late  XXXX . I told them there had to be some kind of mistake because I made the payment. I checked with my bank and got statements to show the payments I had made prior to and after the dates in questions. I emailed them to  XXXX . I called  XXXX  several time after to see if they were able to find the missing payments. I submitted the addess the payments where being sent trying to find out why and where my payments had gone.  XXXX   XXXX  I checked my bank account and I was credited  XXXX . I contacted my Bank,  XXXX   XXXX   XXXX   XXXX  and asked them why this check came back. They informed me this check was credited back because it had not been cashed or processed in 90 days. At that time I contacted   XXXX   XXXX   and told them what I had found out. I made  2  payments to  XXXX  at this time.  One  check for  XXXX  and the other for the missed payment. At this time I asked them if they could please contact the majo r Credit Companies  because these late payments had hurt our credit. They told me I had to write to their research department to get this matter cleared up to which I did. I provide proof the payment was taken from my account. I provide a letter from  XXXX   XXXX   XXXX    stating the payment was sent on  XXXX / XXXX /   16 makin g  XXXX  's payment. The letter I recieve from  XXXX  stated they are not responsible for lost or delayed mail by the United States Postal Service. I was n't asking for anything other than help with   Credit Reporting Companies.

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 11/16/2016 about Credit card () with JPMORGAN CHASE & CO. (MN).
Issue: Customer service / Customer relations

Complaint: Complaint/Consumer Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXXXXXXXXXX Business Information JPMorgan Chase & Co . 
XXXX XXXX XXXX XXXX, NY XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Customer Service Issues Problem description : I have attempted to contact the company for about a month in regards to a dispute. I have used their secure message center like it is supposed to be used. However, every message that I send is responded back with the SAME EXACT response as the one before and they do not answer any of the questions.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was late with a credit card payment for my XXXX store card which I fully own up to as I have been working an insane amount of hours due to the huge XXXX outbreak. These people have been calling me every day multiple times a day, often times multiple times in a row. The other day they called 17 times in a row while we were on rounds in the XXXX. This morning they called 19 times in a row. The kicker is if you pick up there isnt even anyone there. This is beyond ridiculous, its outright harassment.

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 11-03-2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Deposits and withdrawals

Complaint: I opened a checking account with hunington two months ago on XXXX/XXXX/XXXX i got a alert on my phone stating XXXX was withdrawn I called hunington they stated I had a offset with them from XXXX from a old checking account I stated I did not recall this and how was a able to open a new account if i owed them money they could n't answer my question. My pay was deposited on XXXX/XXXX/XXXX and my sons ssi beneft was deposited on the XXXX/XXXX/XXXX they stated that i would get his ssi back to send proof so i emailed XXXX with proof and she stated spoke with manager and since my check was deposited and his they cant tell which money it came from so no refund??? My account was never froze or i did n't get any notification of this. I do n't understand how they can do this

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Debt collection (Medical) with Holloway Credit Solutions (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I went in XXXX of 2015, to XXXX XXXX located at XXXX XXXX XXXX. XXXX, AL. XXXX due to some XXXX. XXXX XXXX XXXX suggested that I needed a procedure, so that they could determine what was going on. It was a non-invasive procedure. My mother and I met with the person who handles insurance at XXXX XXXX and she reassured us that XXXX XXXX XXXX XXXX would cover the charges for this procedure. She actually called the insurance company just to be one hundred percent certain. The only thing that we would have to pay would be the co-pay. The procedure was done at XXXX XXXX XXXX XXXX XXXX. by XXXX XXXX. 
However, soon after the procedure ; I received bill for approximately {$600.00}. I called XXXX XXXX XXXX XXXX and they said that the procedure was not covered under my insurance XXXX XXXX XXXX. It is now reporting with the debt collections agency Holloway Credit Solutions, XXXX. XXXX XXXX XXXX. # XXXX XXXX, AL. XXXX. 
I recently called XXXX XXXX XXXX XXXX and they stated that due to XXXX XXXX reporting me as ( XXXX ) which in medical terms mean that the patient has a lot of medical issues. I was XXXX XXXX XXXX at the time of the procedure, and had never had any other medical problems. He used the most expensive XXXX that 's only used for high risk patients based on the information given by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX also stated that they would have covered the charges if doctor XXXX would have not put me as a high risk patient. They also said that he either did it as a way to get more money, or the fact that I 'm XXXX XXXX which is ( racial bias ). 
They said that he he did n't have to put me fully under for this procedure due to me not having any previous medical conditions. That is the reason why I was left with a balance.

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 11-02-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Shortly after graduation from law school, I began working for the XXXXXXXX XXXX XXXX as an XXXX XXXX XXXX. At that time, I decided to accept the terms of the Public Interest Loan Forgiveness Program. I contacted FedLoan Servicing in early XXXX and was informed that several of my student loans were Federal Family Lending Program loans, not Direct Loans, so they would need to be consolidated. I asked XXXX to identify the loans which needed to be consolidated and they did so. I consolidated all those loans they identified. They are the consolidation loans in XXXX of XXXX. I also applied for PSLF certification. I have applied for PSLF certification at least three times. XXXX never indicated that these loans were not eligible as a resolut of my certification applications until XXXX. 

In XXXX when I applied for PSLF certification with my new employer, the Florida Legislature, XXXX informed me for the first time that three of my outstanding federal loans were not PSLF eligible. These loans were identified by XXXX as eligible for PSLF previously and that it why they were not consolidated. XXXX refuses to acknowledge that they are PSLF eligible or credit the on time payments made so far on these loans. This is despite the fact that these loans are owned by the U.S Department of Education and Guaranteed by the Federal government. 

I contacted XXXX on this issue in XXXX of XXXX. They requested time to work on this issue. Every time I call or write XXXX sends me to a new individual who promises to look into the issue and contact me, but they never do. I have called, I have written, and done everything in my power to try and resolve this for over a year. At one point, the individual " assigned '' to resolve my issue was allegedly terminated and his entire unit disbanded. 

XXXX 's only solution has been to consolidate these three loans anew, even though I was told they are PSLF eligible and they should be PSLF eligible. This would start my 10 year clock on PSLF over. Because I would still be a public servant on income based repayment it would effectively extend my PSLF term to 15 years instead of 10 because of mistakes made by their employees. This is not fair, and it is not right. I should not have to file a law suit to make the government and their service providers live up to their side of the bargain. I simply want credit for my on time payments. Extending my term to 15 years will continue to delay significant life events for me. It will put off home-ownership, purchase of a vehicle, and could even impact decisions such as marriage or having children. I just want XXXX to do the right thing. 

I have attached documentation. Please review this as well for additional details.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Debt collection (Federal student loan) with Delta Management Associates, Inc. (IN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: The representative from Delta Management called by immediate supervisor and discussed my debt with her. When my supervisor was unwilling to discuss this issue with the representative, they questioned her asking " if she was n't concerned about her employee not paying her bills ''. My supervisor indicated that the representative was very aggressive. 

This was very inappropriate and could have lingering impact on my employment. Attempts were made to contact me but I had been in meetings for most of the day today.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Hello, I used to live in the apartments called XXXX XXXX XXXX about 4 years ago. Supposedly I never " paid '' my last month of rent. I belive that the staff never submitted my last payment, I cleaned the entire apartment even deep clean the carpet, hand in an envelope with the keys, mail box keys and pool pass. I never received any letter through the mail regarding this matter at all. It appear in my credit account out the blue years later. Hunters Warfield and I came into a agreement and paid {$1000.00} to pay off the debt. I need this account closed and gone from my credit as soon as possible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: On XXXX XXXX  2018, I called Navient Student Loan Company about receiving the XXXX  form for interest paid on a student loan. I am the cosigner paying on the loan because this was messing up my credit score. Navient will not send the XXXX form to me to report on my income taxes. Instead they are sending it to the main signer. This is a violation of consumer and tax law. Many cosigners who are paying on student loans will be dealing with the same problem. Please do something about this.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was called on my cell phone by First National Debt inc. and was told I owed {$210.00} for a debt incurred XX/XX/XXXX while I was in XXXX. The debt was never resolved because by the time I returned home from XXXX and found out about the debt XXXX XXXX was no longer a bank or it moved or something. The website was down and the number was just a recording then I find out that XXXX XXXX was bought by another bank and this debt came from XX/XX/XXXX or XX/XX/XXXX. I was XXXX XX/XX/XXXX and in XXXX XX/XX/XXXX. This debt is nine years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: Bayview loan services. I submit my loan modification with them for last three months as of XXXX/XXXX/XXXX Its still pending even though its still pending they already set a date XXXX/XXXX/XXXX of my home sale ( foreclosure ). i talk to XXXX XXXX XXXX XXXX they prequalify me and willing to help to but they need 21 days to do this so they ask me to ask my lender to postpond my sale date for few days and i did call bayview loan services and ask for the postpond date and they are not doing it. they are doing my loan modification which is still not done yet and at the same time they have my home sale date set already which is compleately prohibited in california homeowner bill of rights. i even told about this law to one of their manager XXXX and she said their is no such law where all my other resources i checked with they said this law does exist. so my complaint is to have them postpond the sale date of my home which is XXXX/XXXX/XXXX. 
regards XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Stearns Ventures, LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: We are experiencing a very difficult time with the Stearns Lending LLC based out of XXXX, VA. 

Stearns Lending ignores customer requests. They do NOT provide written confirmations or guarantees of service requests. ( Such as reversing their errors. ) If there is a late fee, they will continually apply late fee payments to the principle and will never mark an account as up to date. So your normal mortgage payments are seen by them as being underpaid. They will hold your payments and NOT apply them for a whole month and then take next month 's payment and pay off last month and say that the CURRENT month is now late. If you get a late payment, they set up a scheme to NEVER stop charging you late fees. 

XX/XX/XXXX our mortgage payment increased due to local taxes. We make auto payments through our bank so we did n't realize that we had to pay more. In good faith we called Stearns Lending and asked " What do we have to pay to have our account be up to date and all late fees paid and be good with our normal payments '' They gave us the wrong amount over the phone. ( Requests for written information were always denied. ) In XX/XX/XXXX after we made our 'good faith ' payment. Stearns mailed out our statements late for XX/XX/XXXX. So we 'according to Stearns ' were still in arrears due to their late payments. Even though we promptly paid the amount they told us to. Since then ( XX/XX/XXXX ) it has been a constant cat and mouse game with Stearns, trying to get them to remove late fees and apply our payments properly. 

I believe they do these practices on purpose in the hopes we 'll just bend over and pay all their false fees. 

We make written inquiries via their website contact form and inquiries take forever to be acknowledged. They stall more by saying repeat inquiries will only delay the process. 

Do NOT use STEARNS LENDING for your mortgage.

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 01-11-2016 about Student loan (Non-federal student loan) with AES/PHEAA (AL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Co-signer of loan not notified of non payment before loan turned over to collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Consumer Loan (Vehicle loan) with TCF NATIONAL BANK (IL).
Issue: Problems when you are unable to pay

Complaint: I have become between 30-45 days late on my auto loan. Gateway one is attempting to collect the debt. I spoke with a supervisor, XXXX XXXX today who told me my only option was to pay {$470.00} today or my account would be out of his hands and reviewed for other action. I offered to make a payment dated for Friday XXXX a mere 3 days later and was told that is unacceptable. XXXX was vague and dismissive regarding what the next action would be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My spouse and i had an original home loan with World Savings Loan on or about XX/XX/XXXX, the loan then subsequently transferred to Wachovia Home Loan then to final lender which is Wells Fargo Home Mortgage. The ORIGINAL loan went delinquent sometime in XX/XX/XXXX during the recession. Wells Fargo got our loan transferred to them sometime in XX/XX/XXXX, of which they reported out dated negative information on our credit. The reporting period for a charge off is 7.6 years from the date of first delinquency ( DOFD ). The DOFD is the first date that you became delinquent that led to the charge off, and the account was never brought account current before it was charged off. When it hits the 7 year mark you can dispute it as too old to be reporting. Our understanding of the law is the DATE of FIRST DELINQUENCY should be calculated from the original creditor, ( Wachovia ) not the date of when Wells Fargo got the loan transferred to them in XX/XX/XXXX. Then to add insult to injury Wells Fargo internally wrote off the loan in XX/XX/XXXX over 6 years after the loan was transferred to them, and they also put that information on our credit. Our contention is ( 1 ) they are reporting old information and not reporting from the original credit, thus re aging our credit file, which we believe is against current Credit reporting laws, and ( 2 ) we should not be penalized because Wells Fargo did not write off this loan in a timely manner. 
Any assistance or clarification would be appreciated. 

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 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I tried to contact my creditor due to having incorrect information. All my letters were returned as undelivered. I contacted   XXXX   and provided documentation of the undeliverable mail to them which they signed for   XX/XX/17    . I asked  XXXX  to remove these accounts due to the creditor furnishing incorrect information. The account address were changed and some of the account numbers changed as per my   XX/XX/17   report I pulled from my   XXXX   account. I contacted  XXXX  that day and spoke with the special claims department. They said they received my documentation but would not change my report. I received a copy of my updated report dated   XX/XX/17  fr om  XXXX  due to my phone call and all of the old incorrect information is back on 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 explanation