milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-10-2018 about Checking or savings account (Savings account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: These are these are Types of fraud. Identity fraud and identity theft. Identity theft is when your personal details are stolen and identity fraud is when those details are used to commit fraud. A-Z of fraud. Online fraud. Individual fraud. Corporate fraud. Advance fee fraud. What is fraud and cyber crime?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Following this press release by the FTC XXXX https : XXXX ), I went to Equifax XXXX XXXX : XXXX ) and checked my impact. They suggest I have been impacted, but their resolution is for me to waive my rights to class action against Equifax in exchange for a credit monitoring service. I do not think this is an appropriate resolution and would like the CFPB to find a stronger resolution for me and other Equifax customers.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Bank account or service (Checking account) with PNC Bank N.A. (DC).
Issue: Account opening, closing, or management

Complaint: PNC Bank changed my checking account. I opened my checking account with National City Bank when I was in XXXX school it was a free checking account. When PNC aquired National City I was informed nothing had change with how my account operated and if something were to changed I would have a say in what product to choose from as they offered different checking account options. I never got anything notifying me of a change to my checking account. I had {$15.00} to {$20.00} dollars in my account they took it all with charges based on changes they implemented. When I called in the 1st guy said sorry and that he would do his best to issue me the funds. He would open a ticket with a manager to contact me - the manager said my money would not be refunded as i did not comply with the account rules. Again they changed the rules. In addition, I learned that they do offer free checking for online banking but did not change my bank account to that option or asked me what option i would want to take due to their change in policy. I mean they should have provided me the option as their customer to decide what checking account would work best for me based on them changing their products. Instead they caused me headaches and money and have lost me as a customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/26/2017 about Debt collection (I do not know) with CNG FINANCIAL CORPORATION (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This creditor Check N Go ( XXXX ) was initially contacted with all the other creditors in XXXX 2016 to inform them of the bankruptcy filing. This creditor has updated their reporting to XXXX credit bureau incorrectly. The creditor reported for nearly a year of a Failure to Pay ( FP ) just ending in XXXX 2016. On XXXX, this creditor is reporting the bankruptcy as starting on XX/XX/XXXX2016. They need to update the information please.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: APR or interest rate

Complaint: The interest rates charged by Barclay Bank Delaware on credit cards exceeds 19 % and is usurious. I requested that the interest be lowered so that I could pay the card off in 3 payments and was told that it could not be lowered. I am a senior. The balance on my card is {$12000.00}. and {$3200.00} respectively. I have asked numerous times for a reduction and have been told that nothing can be done. I have been told by my attorney just to stop making payments on the accounts because they will not work with me. They have told me that settlement on the accounts, even if they are paid in full would ruin my credit. I want the interest reduced to 8 - 9 % on each card. I do not want them reinstated - the bank cancelled them because I did not pay enough money on them despite the fact that I paid more than the minimum and have done so for years.

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 09/27/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax Information Services , LLC is purposely violating FDCPA, section 809 and FCRA 611 ( a ) rule and illegally reporting inaccurate and incorrect negative information on my credit report damaging my credit score. The company fails to delete a debt and fails to not report a debt that is not mine. I responded with a deletion of debt request and sent in personal verification information to verify I am not the individual whom owns the debt. Despite the removal of incorrect account information. The company continues to damage my credit score and profile by reporting the same negative information. Furthermore, Equifax is in violation of 611 ( a ) ( 5 ) ( A ) ( 1 ) by not having the original paperwork to verify the validity and accuracy before reporting negative information on my credit profile knowing the negative impact it would cause. These illegal practices are n't acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY ().
Issue: Problems caused by my funds being low

Complaint: Wells Fargo checking account, currently residing outside the US The bank has rejected the same transaction 4 times in the same week for the lack of sufficient funds, and each time billed me XXXX $ overdraft fees! they did this with every transaction. 

How is it an overdraft fee if the transaction was rejected? I understand if they financed the transaction they have the right to take financing fees, but this transaction is rejected, and as a result it kept coming back, with each time them charging me XXXX , the bank has charged me a total of XXXX $ of fees for the same transaction. 

I called the bank and they refused to waive the fees, how is it an overdraft if the bank did not allow the " draft '' and did not pay, but rather rejected the transaction, and why did the bank charge me each time it rejected it!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-12-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other service problem

Complaint: I sent a credit card transfer payment to XXXX XXXX XXXX for {$360.00}. It was for their return book program, where if a store can not sell the book this is a one year insurance that they can with my book XXXX XXXX XXXX XXXX XXXX. 
I called there sales representive and got one person saying the book money failed to go through and another saying it will take days to go through. All this was verbal. I need something in writing saying my payment was excepted and the service is happening.I am complaining because I am getting mixed signals verbally. I need assurance my money transfer and service is effective. 
Was the money taken from the American Express Account by XXXX XXXX? I would like to know : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Toll-Free Phone Number XXXX Fax Number XXXX XXXX XXXX XXXXt XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (OH).
Issue: Managing the loan or lease

Complaint: I mailed XXXX checks to my auto loan bank Wells Fargo. XXXX was for my regular payment and the other was for principal only. The bank applied almost half of the principal only check to payment with interest. When I contacted the bank they said a machine processes the payments. They said They would fix the problem and next time to include a sticky note with my principal only check. My check clearly stated principal only on it and for them to claim robot error, is insulting.

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 06/19/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Spoke with lady at XXXX XXXX she notified me that I moved in in XXXX with the last payment being payed in XXXX from her own words and I only had an 11 month lease I turned my key in to the lady as well with the check out sheet my lease was up. They tried to do the same to my grandfather saying he owed over 2,000 so he went up to XXXX XXXX and they told him that they have had fradulaent activity in house and hired all new employees so they told him they would take care of it but at the end of the day I futilely my obligation and left it in good standing and always payed my bills and never got an eviction letter never got notified of anything being wrong at all so if you could resolve this for me I 'd greatly appreciate it! Thanks again XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: Today I just called Capital One and asked them to delete the online account Id set up with them on their App. The representative told me you can never delete an online account at Capital One once youve set it up. Is that true? Is that the law? 

That sounded very strange, particularly in this era of digital theft and insecurity, that Capital One has the right to maintain your account information even when you request severance of all business ties with them? 

Thank you for reviewing my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MN).
Issue: Settlement process and costs

Complaint: I am in the process of a refinance. All of my paperwork is submitted, and I have been approved. The new loan company, XXXX Mortgage, is all set. The title company, XXXX XXXX, is all set. I was supposed to close today, XXXX XXXX. But the current loan holder, Seterus, has not issued the necessary payoff quote. XXXX XXXX made a request on XXXX XXXX, but it was denied because they did not use the internal Seterus form. They were never told that they had to use this form, even when on the phone with them. I was not notified of the denial. I have a secure email inbox on my Seterus account, and they did n't put a notice in there, only a notice that a fax request was received. So I submitted a payoff quote request online on XXXX XXXX. Upon submission, a note comes up that says give them up to XXXX business days. But when I call, they tell me it *might* take XXXX business days but maybe longer. All requests for expedited service are denied. Their communication has ranged from nonexistent to wildly unhelpful. I can only reach customer service reps by phone, and they will not escalate my request, saying instead that " everybody has a story. '' I am told by many people in real estate that the practices outlined above by Seterus are highly unusual. I feel like my loan is being held hostage by a predatory lender.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Dear Credit Protection, This letter is in response to your collection on my credit report which was opened on XXXX XXXX, 2012. Since the amount is so small, I wish to save us both some time and effort by settling this debt. 
Please be aware that this is not an acknowledgment or acceptance of the debt, nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. 

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. 
I am willing to pay [ this debt in full in return for your agreement to remove all information regarding this debt from the credit reporting agencies within ten calendar days of payment. 
If you agree to the terms, I will send certified payment in the amount of {$120.00} payable to [ Credit Protection in exchange to have all information related to this debt removed from all of my credit files.

If you accept this offer, you also agree not to discuss the offer with any third-party, excluding the original creditor. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of Credit Protection. The letter will be treated as a contract and subject to the laws of my state. 
As granted by the Fair Debt Collection Practices Act

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 Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Settlement process and costs

Complaint: I am submitting another complaint to show the continual acts fraud that JP MORGAN Chase continues to committ. I never REFINANCED my home 8 months after purchasing the home. XXXX XXXX requested and discharged the original mortgage from the now Defunct XXXX XXXX in which XXXX XXXX out of XXXX GA plead guilty and went to federal prison for the fraudulent documents. XXXX XXXX paid off the original loan and I never entered into any other mortggage agreements with any one else. My signature has been forged on the 2008 refinance documents. The modification that Chase claims I had has my signture forged and now they submit documents on CFPB website response with a notary who claims that he sat before and witnessed my signature. I would like to know were this took place because I never did a refinance on my home. To prove this continual acts of fraud I have attached the notary XXXX XXXX XXXX signature on other mortgage documents that are not the same. He will also get added to the new law suit that will be filed in a couple of weeks. The attorney general and government should intervene in my case because I ca n't believe this fraud is continuing after the banks have entered into a settlement agreement due to this mortgage fraud. I am also willing to sit down with a forgery expert to prove these signatures on these loan documents are not mine,

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Bank account or service (Checking account) with M&T BANK CORPORATION (MD).
Issue: Using a debit or ATM card

Complaint: In XXXX, 2015 while at work, I received emails and phone call from M & TBank stating there was suspicious activity on my account. When talking to the young lady from the bank she said a purchase was being made at XXXX in my area for {$400.00}, I said I am at work and I initially thought one of my clients stole my card from me. I immediately left work to try to get to the bank before closing, and I found that my debit card was actually in my car arm rest where I left it a few days prior. I asked the bank officer how could someone make purchases with my card when it was in my car. He said that people are able to steal your identity and scan your card to make duplicate cards. Because of fear of more frauduelnt activity, I looked at all of my credit cards and bank statements and found that no other activity was observed. I also filed a police report. The money was credited to my accoung within 10 business days, however as of XXXX XXXX, 2015 the money has been taken from me again and now there is overdraft fees accruing on the account. I have talked to several representatives and no one has offered any real resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2018 about Debt collection (I do not know) with Medical Data Systems, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Appeared on credit wasn't aware this or this company

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 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Hi, I obtained my XXXX XXXX XXXX, and subsequently accrued over XXXX in student loan debt with XXXX/Navient as my servicer. I took out the loans in XX/XX/XXXX, and I graduated in XX/XX/XXXX. Immediately after graduating I was unemployed so I was not able to make the incredibley high payment of almost XXXX a month. XXXX/Navient pushed me into forbearance and offered me no other options. I had a difficult time making payments for a full year and they pushed me into a bigger hole with higher interest rates and more debt because of constant forbearance. Since, I have a good job and make decent money, but my payments are still almost XXXX a month. I am able to make my payments, but I am now a home owner with a baby on the way. Navient will not work with me in any way. I have noticed that even after paying my student loans on time, every month, for years, my student loan Balance is pretty much the same as it was in XX/XX/XXXX. It appears as if some of my payments were n't applied to their respective loans, and suddenly vanished, on several occasions as well. Navient is a bunch of crooks and I do not know what I can do at this point. I have tried to consolidate to other companies but I have been turned down. Probably because Navient ruined my credit, and I have had a XXXX XXXX to build it to a decent score. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am trying to purchase a home and there are many accounts on my credit report that are still reporting negatively on my credit. I have tried disputing the items and hiring agency 's to help me resolved these negative inquires and accounts. I am yet to see any removal. Please assist as you are my last resort.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Student loan (Federal student loan servicing) with Fedloan Help (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In late  XXXX  or early  XXXX   XXXX  I called the Fedloan He lp, Inc. It  was advertised on the radio FM  XXXX  in Delaware. It was to help you with getting lower payments on your student loan. On  XXXX / XXXX / XXXX  Fedloan Help,  Inc beg an to deduct {$38.00} from my account every month on the  XXXX . On  XXXX / XXXX / XXXX   XXXX   XXXX  loan of which my student loans are with called and informed me that no payments were made toward my student loan by Fedloan He lp , Inc. I was to ld they are a third party company and not affiliated with  XXXX .

Company response to consumer: Untimely response
Consumer complaint received 07-08-2015 about Mortgage (Home equity loan or line of credit) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Credit decision / Underwriting

Complaint: This is a follow-up to the complaint with Hunting bank. They responded in XXXX but I was not able to login to my account to view their response until just today. I call the cfpb a couple of times saying that I was not able to login to my account there, but never got a response other than someone would get back to me, but they did n't. 

I disagree with their response that I refused their offer to re-finance under their home savers program. What happened is that I was working with a XXXX XXXX, a mortgage officer at their XXXX XXXX. This person was very unresponsive and inept in dealing with my problem. She thought that she could do a refinance on both my first and second mortgage despite the fact that I was already past due by a month on paying my loan balance to them of over {$52000.00}. By the way, I did contact her as soon as I got the notice form the bank that my entire loan balance was due and payable in full, but she was slow in getting back to me and did not return my calls. 
After her working on the refinance for over XXXX months, she finally told me that she could not do the loan as my payment of the {$52000.00} to her bank was not paid and my account was past due. She knew this back in XXXX and should have told me at that time. If she had been a competent loan officer, she would and known when I first contacted her that she could not do the loan. At that point, I would have accepted the first offer from their XXXX XXXX department. Because of the way she handled this, I had hope that she was able to refinance both my first and second mortgage at a lower rate than the XXXX XXXX department offered. Because of how she handled this, I had to re-apply for the XXXX XXXX option and it took several more months of missing payments. I found that there was no communication between the various departments at Huntington Bank involved in my problem, despite the fact that I told each department which other departments I had talked to and gave names of who I was talking to in each department. 

Because of the way this whole thing was handled, not only is this costing me more because of the payments I missed, but I was approved at XXXX other mortgage companies for much lower interest rates to refinance XXXX mortgages but was only rejected at the last minute in XXXX case when Huntington Bank told them that my loan was past due.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: this company never notified me of this debt or given me the opportunity to dispute it before it hit my credit report. When I moved from the service address XXXX was not available in my new area and I was told no further debt would be owed because they were not able to establish service at my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed