milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-10-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (MS).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Great Lakes was the company that purchased my loans from XXXX XXXX. The first thing that they did was to increase my interest rate. I questioned this and was told that they could increase it to whatever they wished. 
I began attending at XXXX XXXX University after obtaining my XXXX from XXXX University. I only took one class however when the 6 month grace period ended and it was time to begin repayment, Great Lakes reported that I owed {$130000.00}. This is wildly inaccurate. My wife and I have consolidated loans through XXXX XXXX XXXX in the amount of {$64000.00}. We pay on time and have never missed. A portion of my Masters through XXXX University and the one class from XXXX XXXX University were what Great Lakes purchased. 
When I received an outrageous invoice in XXXX of XXXX, I called Great Lakes and questioned. This is when I was transfered from attendant to attendant and eventually told that I could consolidate {$130000.00} into one monthly payment of {$1200.00} or so. First I needed to give them my credit card number to pay a one time servicing fee of {$490.00}. I tried to correct them in that I did not owe {$130000.00} but they would not listen. I have tried to get my records from XXXX with all of the financial information, but they will not provide them to me. I have tried to register on the FAFSA sight since they changed it, but it requires my XXXX email address that is no longer active. I have also contacted XXXX XXXX to obtain the records of the class that I took along with the financial info, but I can not get anyone to return my calls. I received a letter last month that said that my student loans are in default and now belong to the government. I am literally at my wits end on what to do or how to proceed. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (Medical) with Synerprise Consulting Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from SYNERPRISE CONSULTING SVS INC -XXXX, Get more information on collections acco I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Synerprise Consulting in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

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 EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Recently Equifax was responsible for failing to secure highly sensitive information for millions of Americans, myself included. Not only did they fail to secure the information, they did not tell anyone for an extended period of time, and high level executives illegally sold off stock in advance of the news going public, which is criminal. Additionally, their disaster consultation website is a poorly designed and poorly secured tool that returns random information and tricked people into signing up for a free credit monitoring service at the cost of not being able to file a class-action lawsuit anymore. 

These repeated behaviors are both negligent and malicious in intent, and honestly they deserve severe repercussions for such a severe compromise in many Amercians ' peace of mind and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: In XXXX 2016, Citibank advertised a promotion that if you open a new consumer checking account in either the XXXX or Citibank account package by XXXX/XXXX/16, make a qualifying deposit of {$15000.00} or more within 30 days of account opening and also maintain a minimum balance of {$15000.00} for 30 consecutive days, you would receive a cash bonus of {$400.00}. It is now XXXX XXXX, 2016 and no credit has been made to my checking account. Here are the inquiries I made : XXXX/XXXX/2016 : I have contacted them and opened an investigation on XXXX/XXXX/2016 and received a documented response on XXXX/XXXX/2016 that the account has met the requirements ( qualifying transaction ) as of XXXX/XXXX/2016. I was told that I would receive the credit within 90 days of the qualifying transaction. 
XXXX/XXXX/2016 : When I did not see the cash bonus in my account XXXX/XXXX/2016 ( 90 days after the qualifying transaction ), I contacted Citibank again via online chat on XXXX/XXXX/2016, filed and investigation on XXXX/XXXX/2016. No response. 
XXXX/XXXX/2016 : I contacted the dispute unit on XXXX/XXXX/2016 giving the same response as of XXXX/XXXX/2016 and still no credit on the account. Instead I was told that it would be another investigation XXXX after XXXX/XXXX/2016 response letter. 
These responses and promotion seems very suspicious to me and appears to be deceptive marketing/sales and business practices. There 's no valid reason further investigation if I 've already met the requirements according the fine print in the promotion document and the investigation.

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 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This company has reported to IRS and credit bureau that they lost {$4900.00} in the short sale and this is not true. I paid Greentree in the short sale and nothing was suppose to be reported as this was due to my spouse XXXX overseas and we had to sale the house. We were paying them as agreed. They also reported to IRS XXXX as debt lost and earn income of {$4900.00} which is not true. Greentree got the bulk of their money so no XXXX should have been reported to IRS. We went under the SCRA, relief act for XXXX XXXX military. We provided Greentree with XXXX to overseas. They went back on their word. Now this new company that has merge with Greentree has report incorrect information that is affecting my credit and my taxes for 2015. 

XXXX XXXX XXXX from Ditech responded to first compliant but did nothing to address the miss information that was reported. Please have her call or email me so I can get correct. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (TN).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: XX/XX/XXXX {$2.00} ATM fee from a ATM that is owned by XXXX and does not charge ATM surcharge. 

XX/XX/XXXX Transaction declined and no warning that the maintenance was scheduled, or servers down was sent to any customers. Did not find out until the called to get information and when trying to talk to representative phone goes busy. Now we have several thousand people with American Express credit and prepaid accounts not able to access funds at all since XXXX CST. 

Still no time frame for a resolution to issue and when funds can be accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: wells fargo XXXX XXXX cra violation not mine id theft victim sent po report 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 explanation
Consumer complaint received 09/18/2017 about Debt collection (Credit card debt) with Nations Recovery Center (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I filed this complaint as a victim of financial fraud. 

1 ) In a class action case known as XXXX, XXXX. al. v. XXXX XXXX XXXX XXXX et al., XXXX XXXX. XXXX ( S.D. Fla. ), the plaintiffs alleged that XXXX engaged in breaches of contract, breaches of implied covenant, and violations of the unfair and deceptive acts and practices statutes of various states, among other matters, in connection with marketing and administering XXXX XXXX XXXX. The lawsuit was settled on XXXX XXXX, XXXX with the loss of XXXX XXXX XXXX XXXX XXXX. ( Attachment included ) 2 ) As one of the plaintiffs of this class action lawsuit, my XXXX account was cleared, I owed no money of this account. 

3 ) During the course dispute with XXXX XXXX XXXX XXXX, unlawfully, XXXX called my neighbor asking me to pay them. ( voice recorded from my answering machine attached ) 4 ) XXXX  XXXX XXXX XXXX, XXXX. unlawfully suing me for this Chase account for the debt that I never owed them and a judgment was placed on me on XXXX/XXXX/XXXX to be expired on XXXX/XXXX/XXXX ( attachment included ). XXXX and XXXX, XXXX  Counsellors At law is the attorneys for NEW CENTURY XXXX XXXX, XXXX who sued me. ( Attachment included ) : XXXX AND XXXX, XXXX XXXX AT XXXX XXXX XXXX XXXX. 
XXXX, NJ XXXX Telephone : ( XXXX ) XXXX 4 )  Last week, Ive received a letter from the debtor who bought the fraud loan from XXXX XXXX XXXX XXXX, XXXX signed by XXXX XXXX XXXX from NATIONS RECOVERY CENTER, INC. demands me to pay the amount of {$4700.00} that Ive never owed them. XXXX XXXX included XXXX : XXXX XXXX Nations Recovery Center, Inc. 
XXXX XXXX XXXX XXXX. 
Telephone : XXXX File XXXX I need your help to resolve this fraud created by XXXX XXXX XXXX  XXXX, XXXX, XXXX AND XXXX, and NATIONS RECOVERY CENTER, INC. This has been dragged on and aggravated me for 7 years, since XXXX. 

Thank you and I much appreciate your help. 

Sincerely your,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with PNC Bank N.A. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Last year, during the end of XXXX XXXX, I was scammed for an apartment sublet. The individual sent a check which PNC deposited into my account as spendable money by the next day. The individual did overpay me, and thus asked for a small amount back. I sent this through XXXX XXXX as a money order. Roughly six or seven days after the check was deposited, it bounced due to being a fake check. This overdrew my account. I worked with PNC to deposit money in order to get the account back to XXXX. During this time, I also filed a PA State Police report on the individual who sent the fake check, as well as reporting and receiving case numbers from both XXXX XXXX and the Federal Trade Commission. The account was set to XXXX and then closed. 

On XXXX/XXXX/XXXX, I attempted to open an account at a XXXX XXXX XXXX. However, after running my XXXX report, they declined me due to PNC closing my personal checking account under the category " Suspected Fraud Activity. '' PNC also claims in the report that " Any amounts owed have been paid. '' After finding out this information, I called PNC, and was redirected to multiple apartments, which then informed me that I owe for the XXXX XXXX transaction for XXXX that was made after my account was closed. This was due to them revoking a provisional credit given to me after I was scammed for that money. 

Not only does PNC claim I owe them money, while also attempting to " settle '' the amount, no one is able to provide a clear reason as to why the account was closed under that category and if the closure reason would be removed after I paid this " debt '' they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Payday loan, title loan, or personal loan (Installment loan) with American First Finance, Inc. (CA).
Issue: Charged fees or interest you didn't expect

Complaint: American First Finance is charging us 145 % interest rate. That is extremely high. I asked if they could re-run my credit report, in hopes of lowering the interest rate. They refused to do that, even though they say there are other customers with a lower interest rate than what I have. I want to pay off the debt, but at that high interest rate, it will take us a very long to pay it. What are my options? If I just do n't pay them, that will probably affect my credit, and will send me to their collections department. But this is so way and above what any company should be charging.

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 10/26/2016 about Bank account or service (Checking account) with WASHINGTON FEDERAL, NATIONAL ASSOCIATION (OR).
Issue: Account opening, closing, or management

Complaint: Washington Federal bank closed my Simple Checking accounts last week on XX/XX/2016 without any warning and gave no reason for doing so. The biggest problem is they have around {$5500.00} of my money that is XXXX % of all that I had leaving me and my family in financial trouble as we have bills as well as property taxes to pay that we now do not have the money to pay. Also I had deposits setup to go into my bank accounts that were rejected and I 'm having problems getting those funds as they are in cyberspace right now and I 'm not even sure I will be able to get them at all! I have never had something so ridiculous happen to me with a financial institution as this and I have been a member of many other banks..

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 05-08-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: have Wells Fargo as mortgage lender and applied and was approved for modification in 2014. I made XXXX payments since that are not listed on my credit report. This has caused me paying more interest or being denied for credit. I want these payments shown snd language stating dispute resolved modification removed off my credit report. This is causing me problems getting refinanced this wording.

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 03/17/2017 about Mortgage (FHA mortgage) with Fay Servicing, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Loan Servicing company trying to collect discharged class XXXX bankruptcy debt. see QWR notice of error within.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: Billing disputes

Complaint: Synchrony Bank closed my account because they claim I dishonored a payment. 
As a follow up to their letter dated XXXX XXXX and XXXX XXXX and in response to my request for proof of return, I am disputing their account as follows : 1. As you can see from my attached statement closing balance, my account had been overpaid by over a hundred dollars ( which has not been returned to me as at today ). 
2. My prior closing balance was also paid in full and I made payments totaling {$1000.00} in this billing cycle, some of which were made in cash. 
3. They claim this transaction occurred on XX/XX/XXXX but I made multiple transactions after this date and made payments ( all attached ). 
4. My bank does not show a return payment as I had funds available ( statement attached that show available funds for the date in question ) 5. As their agent indicated over the phone, I am not worth the business because I do not carry balances and therefore do not pay interest. This, I believe is the reason my account was closed. 
6. I am requesting that proof be submitted of the return payment. Ironically, the bank I paid from is linked with Walmart as the statement indicates.

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 11/25/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The accounts XXXX and XXXX ( ANY AND ALL ACCOUNTS REPORTED UNDER XXXX XXXX XXXX ) are in violation of the FCRA as they are knowingly inaccurate under 623 ( a ). XXXX XXXX XXXX has not done a thorough investigation as to the validity of these accounts and they have already lost in court over one of them. I have retained an attorney and will be commencing litigation with them over these accounts if a thorough investigation is not completed and documentation provided as to ownership and original contract information for both of these accounts. 

The Credit Reporting Agencies will not provide the information afforded in my rights under the FCRA 609 ( a ) ( 1 ) and now XXXX XXXX XXXX is gaming the system to punish me for beating them in the courts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: All inquiries on my experian & XXXX report dating back from XXXX 2015 till present day I did not initiate nor have any knowledge of. I have disputed the items in question several times online & in writing & have gotten no where. They refuse to remove these bogus inquiries & they are affecting my credit score in a negative way. I have also asked fot proof & have received no response!

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Equifax and XXXX are trying to get me to buy and use their own products to protect my credit after the Equifax security breach. I feel it should be easier and well within my right to be able to freeze my credit and put a fraud alert on my accounts easily. Nevermind the fact that XXXX clearly does not care about consumers if they are not protecting their information better. I also do not understand why I will have to pay {$30.00} to unfreeze my credit. I 'd like to see a change in the way the government handles this.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: XXXX / XXXX / 2017  I saw this offer from BoA http  : //promo.bankofamerica.com/300offer/.   And direct deposited more than {$4000.00} before  XXXX / XXXX / 2017 . And I have n't received any feedback. After contacted their CSR on  XXXX / XXXX / 2017 , they said they are working on it. But never received the bonus as the moment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage Services is currently my mortgage provider. I make my payments every month, electronically, directly from my checking account. I 'm always careful to pay my mortgage on time, usually two full weeks early. I refinanced my mortgage with Carrington ( who was already my mortgage provider ) at the end of 2015. My first payment was due XXXX XXXX, which I paid on XXXX XXXX. I made another payment on XXXX XXXX for the due date of XXXX XXXX. This payment was never posted by Carrington Mortgage. I realized their error on XXXX XXXX when I happened to look at my account online, and have had contact with them on several separate occasions to try to rectify this situation. I have submitted proof of payment to them in the form of my bank statement, and my bank has submitted evidence twice in the form of the e-check. Carrington is still refusing to credit my account claiming " If we find it, you 're account will be adjusted. '' I find this completely unacceptable. I have submitted proof of payment. Where their company misplaced it, is really not my concern. As far as I 'm concerned this company has stolen {$2400.00} from me. I feel that I 've taken sufficient action to prove this payment has been made and Carrington has done little to nothing to credit me for this payment. I feel cheated and violated by this company. AND I 'm uncomfortable continuing to make payments to a company that may or may not credit me for the payment!

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (LA).
Issue: Making/receiving payments, sending money

Complaint: About a month ago I informed my bank about a refund that I had not received from a merchant that I returned merchandise to in XXXX via 2 day priority mail signature confirmation. I was told that as a courtesy the charge would be reversed while the investigation was being performed. I also told the bank customer representative that I filled a FTC & XXXX complaint but the company has yet to respond. I contacted the company again in reference to my refund and that I 've reported the company to the FTC, XXXX & I 've had the charged reversed by my bank & to my surprise although all numerous previous communication attempts went unanswered, I was told that none of the named entities would guide their actions. I supplied the bank with the tracking information proving I returned the merchants merchandise but to date I have n't heard anything about the investigation nor was the charged ever reversed.

Company response to consumer: Closed with explanation