milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-03-2017 about Student loan (Federal student loan servicing) with United Student Aid (USA) Funds (AZ).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: On XXXX XXXX, XXXX, I entered into a payment arrangement with XXXX XXXX XXXX XXXX XXXX, for the purpose of rehabilitating my student loan. I spoke with their representative who I noted as being XXXX XXXX. The arrangement was to pay {$32.00} per month, 9 payments in 10 months. I provided information to allow for direct withdrawal from my checking account. A payment for {$32.00} cleared the checking account on XXXX/XXXX/XXXX. I sent in a signed form agreeing to the arrangement. They have taken no additional payments and now I have received a mailing from XXXX XXXX XXXX threatening additional action on a balance that appears to be a few thousand more dollars than before. I allowed the previous company to debit payments from my checking account and yet apparently face even more financial ruin than I already have. I already have too much on my plate with finances, health, and family issues.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NE).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My Experian credit summary on their website shows 1 late payment of 90+. When you click through to find what account the late payment is on, it shows NO negative accounts.
My credit report shows no negative accounts. It is ONLY on their website summary page. It has dropped my credit score by XXXX points. The other agencies, XXXX and XXXX, have my credit score in the XXXX 's with no negative accounts. I have never had a late payment in my life.
This is an Experian system problem!!! I have called them several times and they kept passing me from the membership department to the dispute department. There is no account to dispute because there are no late payments.
This last time I called after being told there was nothing they could do, I said I wanted to escalate the issue and was then transferred to a voice mail system.

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 01/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Good afternoon, I would like to let you know about my experiences with Navient. They have coerced me into using forbearance instead of paying the {$5.00} per month as I had attempted to do for the last few years. It was never offered as an option to me. Please contact me if I can help you in the lawsuit you filed. I also am considering a lawyer of my own. If you can kindly recommend one for the city of XXXX, please contact me immediately. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (I do not know) with Alorica Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a collections account on my credit report that was paid

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NV).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: 1. They did n't work with me in getting an income-based repayment plan.
2. T  he interest keeps significantly rising. Here 's a history : Today -  XXXX   XX/XX/XXXX / XX/XX/XXXX  -  XXXX    XX/XX/XXXX / XX/XX/XXXX /  XX/XX/XXXX -  XXXX    XX/XX/XXXX  to  XX/XX/XXXX  -   XXXX    XX/XX/XXXX  to  XX/XX/XXXX  -   XXXX    XX/XX/XXXX  to  XX/XX/XXXX   -  XXXX    XX/XX/XXXX  to     XX/XX/XXXX   -  XXXX    XX/XX/XXXX   -  XXXX    XX/XX/XXXX   -  XXXX    XX/XX/XXXX  -   XXXX  +  XXXX    XX/XX/XXXX  to  XX/XX/XXXX   -  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On or about XX/XX/XXXX I settled an credit card account with XXXX XXXX XXXX. The debt was cancelled, a XXXX was issued and the information removed from the credit report. Additionally, it is well past any timeframes to be listed on any credit report and is outside the statute of limitations. However, as of XX/XX/XXXX XXXX XXXX XXXX re-listed the account on 2 credit bureaus - XXXX and Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/26/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: Five or six months ago, I noticed a monthly overdraft fee of {$12.00} on my simple Bank of America checking account. For the last three months, I 've been asking my bank to stop the overdraft fee ( remove the overdraft protection from my account ) and explain the $ XXXX monthly maintenance charge. I 've gotten no explanation for either, I 'm just told that the bank can not do anything about it, and I 'm still incurring both fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/15/2016 about Debt collection (I do not know) with STERLING JEWELERS, INC. (TN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have a collection on my report for a company I do not recognize and on the comment section said purchased by another lender without the name of the previous lender. I received collection calls for a company I do not know. On XXXX the balance for this company is {$1500.00} and on XXXX {$540.00} not even the same amount on XXXX different credit Agency.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: The companys response addressed all of my issues No ADDITIONAL COMMENTS The response in question explains their position from its viewpoint. Which is a moot point of view? My request was a GOODWILL adjustment. That said, on information and belief GOODWILL is defined as : a kindly feeling of approval and support : benevolent interest or concern. As stated ; I Did speak with a XXXX XXXX XXXX on XX/XX/2018. During our conversation he was very combative as if my request did not concern him in any way. I do understand as he is not in my position. Sure USAA rendered their XXXXondolences for the loss of my Wife which would be very devastating to anyone with any GOODWILL within their spirit. As stated in my initial complaint ; 1 payment was missed. Account was immediately placed back on point as reflected in their report to each credit bureau ( 30 days ) minimum. Account was paid in full promptly. On information and belief, Fairness is defined as ; marked by impartiality and honesty : free from self-interest, prejudice, or favoritism a very fair person to do business with, That was not the case reflected during my conversation with XXXX XXXX. In closing, I would like to reiterate on the fact of the aforementioned company has/is acting in an UNREASONABLE manner in this instance as their/his actions are beyond the limits of acceptability or fairness. Thank you in advance for your prompt and professional handling of this matter. Respectfully,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: My loans were transferred from  XXXX   XXXX  to Navient. When I took out my loans originally, the only option I could get was variable interest rates. I have almo st 70k  in loans that were given to Navient. My monthly payments are clos e to 1k, bu t I am actually LOSING ground on these loans because they have jacked up my interest rates betwe en 8.5-11.5 %.  They say these are based on credit scores -- mine is over  XXXX , and I have always made my payments. I have tried to contact their advocate about my interest rates multiple times and have never gotten a response. I even had a conversation about my loans during which their reps told me that I have " no options '' because I took out a " Smart Option Student Loan '' with  XXXX   XXXX .  <P/> I WANT to pay off my loans, I do n't want to default to get a settlement and ruin my credit. I am a   XXXX   XXXX   XXXX   and make les s than 40k per ye ar, I need Navient to lower my interest so I can start actually making headway on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Consumer Loan (Vehicle loan) with United PanAm Financial Corp. (MD).
Issue: Problems when you are unable to pay

Complaint: United Auto Credit Corp. is making harassing calls to my job and other persons NOT on my list of persons to contact signed at contract lease.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit card or prepaid card (Government benefit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint: I received a text alert from the Bank of America stating that my  Visa card was temporary locked and asking me to call the number they provided. I did so and gave their automated line a lot of personal information. I then called Bank of America to q  uestion that text and they said the number was a fraudulent one. They told me to e-mail   XXXX  , which I did, they cancelled my card and will reissue me a new one.

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 02-09-2017 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (FL).
Issue: Settlement process and costs

Complaint: I made contact with US Bank to seek a refinance mortgage on my house. I chose not to have an escrow which the bank agreed to charging me {$260.00} for the privilege not to have an escrow. Throughout the process I was never asked to have an escrow. It came up a few days in front of closing that I was required to have an escrow for flood insurance. Rather than delay closing I agreed to close on the loan and would ask for the {$260.00} paid for not having an escrow back. 

The first reply I got from the bank stated that payment for flood insurance had to be escrowed. The completely ignored my letter requesting a refund. The second reply I got stated the full fee of .25 % was charged which I knew. Then they said if the hazard insurance was waived then the fee would have been .125 %. Who would only escrow taxes but not insurance and this is totally inapplicable to my situation. Then when I again asked for a refund of the non-escrow waiver charge they re-mailed their letter to me. Their XXXX XXXX letter lied to me about it being a partial waiver charge. 

I contacted them by phone and told them that I intended to file a complaint about the non-escrow fee that was charged when in fact I do have an escrow. I feel very strongly that the bank came up with this partial waiver stuff when they had no way around the fact that they are charging me a non-escrow fee and escrowing me at the same time. The bank also made me sign a statement that said if they made a mistake they have a right to fix it and I have to allow them to do so. I also should have the same ability. 

The bank also pushed the closing into the beginning of the next month costing me a full months interest on the FHA loan with XXXX XXXX. I wanted to postpone closing till the end of the month but the bank said that all bets are off on the interest rate I had on the new loan. The broker also convinced me that I was not paying double interest by presenting me with false facts. Later I figured out what he said was a lie. 

I have included my letter to the bank and the letter I received. I am requesting you assistance in recovering the non-escrow fee of {$260.00} since I do have an escrow.

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 05/25/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citibank Citigold account with a sign up bonus offer ( XXXX Thank You Points ) that I received in the mail. I met all the requirements ( XXXX consecutive bill pays for two months ) of the bonus and did not receive it. I called and talked to a rep who told me I met the requirements and would receive the bonus in 1 month ... it did not come. I called and talked to a second rep who told me I was good to go and they would apply to my account in another month ... it still did not come. I filed multiple complaints with them and they said I was not targeted, even though I was via mail. Furthermore even if I was not, they told me on multiple occasions that I met the requirements and the points would come in.

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 10/31/2016 about Consumer Loan (Installment loan) with Colony Brands, Inc. (SC).
Issue: Problems when you are unable to pay

Complaint: Paid in full stayes they were not paid

Company response to consumer: Closed
Consumer complaint received 11-06-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Application, originator, mortgage broker

Complaint: Wells Fargo refuses to refinance existing home mortgage loan under HARP guidelines. Mortgagor again called Wells Fargo Home Mortgage ( XXXX, spoke to representative named XXXX ) on XXXX/XXXX/XXXX, and Mortgagor was not permitted to initiate refinance application under HARP guidelines because Wells Fargo Home Mortgage is not yet ready to implement new RESPA requirements -- according to WFHM representative named XXXX. Mortgagor requested XXXX to put verbal statement in writing to Mortgagor. 
Mortgagor in good faith attempted to refinance existing mortgage loan XXXX times since XXXX, but Wells Fargo Home Mortgage sabotages every application by requiring unnecessary qualifying documentation, low valuation property appraisals, and high conventional closing cost projections. Mortgagor paid {$210000.00} for mortgaged property in XXXX, put down {$42000.00} cash, reduced outstanding mortgage loan balance from {$160000.00} to {$130000.00} and invested more than {$50000.00} in property improvements. 
Wells Fargo Home Mortgage has stonewalled every complaint filed by Mortgagor. Wells Fargo Home Mortgage has made false statements about Mortgagor 's excellent installment payment history. Wells Fargo Home Mortgage can not produce required documentation such as signed Uniform Residential Loan Application from XXXX. Wells Fargo Home Mortgage has manipulated mortgage loan from being non-conforming to XXXX approved in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Transaction issue

Complaint: I am beyond frustrated in the manner of which I have been denied the ability to dispute a charge on my Bank of America credit card.I received a denial letter, that said I was not able to dispute the charge, The charge I am requesting assistance in disputing was made on XXXX XXXX 2014, to a company called XXXX in the amount of {$1500.00}. I have recently come to the conclusion that I have been victimized by an online business scam I have paid this company the total of {$3000.00} of which was done in XXXX separate credit cards, which the other credit card company refunded me the charge, so I do n't understand why Bank of America is treating my dispute this way. I have been told that I am unable to dispute charges over 60 days old, however, I understand that the 60-day time frame for disputes does not apply in my situation as this is not a billing error and I signed contracts. My dispute has been mishandled and requires further investigation it is shameful that Bank of America was so quick to dismiss me.I would like them to look into this " merchant '' There has got to be something they can do for the protection of their customer beyond 60 days. Companies like these are taking advantage of people praying on the old and vulnerable making promises and telling lies.A refund from these companies is in order. They did not provide the services as described.

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 07/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: APPLICATION ID :  XXXX  On  XXXX   XXXX , 2017 I applied for a capital one spark business credit card for my company   XXXX   XXXX   XXXX   XXXX  . I am the owner and only member of this company. When I applied I received a message stating they were still reviewing the application.
<P/>
On  XX/XX/XXXX , I received an email stating they need more info. They needed Photo ID, Proof of address and SS card. I uploaded those documents using their online portal, as well as faxed. I faxed Drivers License, SS Card, Check stub from one of Employers and EIN from business.
<P/>
Only  XX/XX/XXXX h I called Capital One, they confirmed they had everything they needed and it will be 3 weeks for a decision to be made.
<P/>
Today  XXXX   XXXX , 2017 I received an email from capital one dated  XX/XX/XXXX  stating I was denied because they were unable to verify information and application was " incomplete '' But per the screenshot below in the attachments, I gave them everything they asked me for from the email they sent.
<P/><P/>
I get home today  XXXX   XXXX , 2017 and I also received mail from them. Per attachment its dated  XX/XX/XXXX . 2 Days before letter on email. Mind you, they emailed me the letter today and its dated  XX/XX/XXXX  ( CONFUSING RIGHT ) The letter dated  XX/XX/XXXX  is stating they need proof of business existence for Entity   XXXX   XXXX   XXXX  , and Proof of physical address for your skincare spot.
<P/><P/><P/><P/>
I am upset because this whole process is completely unorganized and misleading. When I called to confirm they had everything ( per recorded phone call ) they said they had it all and is processing application. Then I get a denial and a more info is needed same day but dated two different days apart?
<P/>
I am LOYAL CUSTOMER. I have a auto loan and   XXXX   personal credit cards. I dont deserve to be treated unfairly. My application deserves to be handled properly and with dignity. I am requesting capital one to review my application.
<P/>
Attached to this complaint is a screenshot of all correspondents from Capital One. Along with some of the necessary documents needed to process application fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 06/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX and XXXX Is reaging a debt that was charged off XX/XX/2009 by continental finance and they are reporting this as a new collection on my credit reports

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other

Complaint: capital one bank keeps trying to collected money from me and i paid them and i cant even get another credit card because of them they keep threatining me

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion is constantly adjusting my credit score based on wrong information. I am not 30 days behind on my mortgage and the last report date they have of my mortgage payment is is XXXX 2016. They lowered my score XXXX points for the third time and after the company reported I am not 30 days late.

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 10-02-2015 about Credit card () with AMERICAN EXPRESS COMPANY (MA).
Issue: Transaction issue

Complaint: I have a credit balance with American Express and have reviewed my cardholder agreement. It does not specify that a refund be conveyed in a particular way ( Ie : check, wire transfer ). 
I requested that I be directed to where it states that it will take ( 7 ) business days to receive my refund and they are refusing to provide the information, expedite the process or allow me to speak to another department with regard to the processing. This refund is in excess of {$3000.00}. While AMEX has written documentation concerning payment, the representative could not direct me to any language that defines how refunds or credit balance are handled. The information provided by the rep kept vacillating stating that it was " processed '' " check with my bank '' to they can not " expedite the process '' to " any other rep of AMEX will tell me the same thing ''.

Company response to consumer: Closed with explanation