milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/29/2017 about Student loan (Federal student loan servicing) with EdFinancial Services (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I graduated in XX/XX/XXXX from graduate school and have my student loans serviced by Edfinancial. On XX/XX/XXXX, I received an email from Edfinancial that my account was " 11 or more days past due ''. However, I had not received a statement and had no information on my account as to when the original due date actually was. I paid the amount due on XX/XX/XXXX, and a day later on XX/XX/XXXX received an email on that my account was " 45 or more days past due ''. I called the company that week and stated that I never received a statement prior to any deadline and could not find a deadline anywhere on the website, but regardless paid the amount they said was due. The Edfinancial representative then told me that these messages were sent to me in error, and that I did not have any amount due, nor any amount past due, despite receiving these two official emails. They also stated they submitted a request to ensure that I receive monthly statements. However, on XX/XX/XXXX, I then received three emails stating that my " in-school deferment request has been approved ''. Again, I graduated in XX/XX/XXXX. I am not currently in school. My status is still as " graduated repayment '' but my first due date is n't until XX/XX/XXXX. I have not asked for anything special here ; simply for the company that holds my student loans to be accurate and forthcoming with when and how much I owe along with my repayment/deferment status.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Company has n't deleted item after I provided proof.

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 10-11-2017 about Vehicle loan or lease (Lease) with BRite Financial Services, Inc. (MI).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: On XXXX XXXX I contacted my auto finance company with hopes to change my payment due date or frequency of payments from bi weekly to monthly. Explained I 've been experiencing hardships and late payments with current arrangements and wish to continue leasing with on time payments made monthly and avoid issues with my residence which is affected as well.I was told after my first initial on time payment i would qualify that was in XXXX of XXXX all payments have been made and I am current on my lease. I was denied a due date change as well as a payment arrangement which would have the charges paid in full within XXXX weeks of original date of XXXX XXXX as it aligned with my pay schedule. I was also threatened with repossession and disablement of the vehicle if a payment was not received. Im devastated I have no desire to default on my lease or ruin my credit or compile extra fees or charges. I understand no willing to change my payments from bi weekly to monthly but not accepting a payment arrangement is outrageous and unethical

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On XX/XX/XXXX I sent a Certified Letter to the Credit Reporting Agencies for the removal of a Bankruptcy that is listed on my account. The report came back " verified '' However per the New Rule from the CDIA ( Consumer Data Industry Association ) Beginning XX/XX/XXXX public record data collected for credit reporting purposes, including bankruptcies, civil judgements and tax lien, must contain minimum identifying information and be collected at more frequent intervals as follows : 1 ) Minimum reporting of : ( 1 ) Name ( 2 ) Address ( 3 ) Social Security Number and/or date of birth ; and 2 ) Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. 

I had a security freeze placed on my account with XXXX, and I spoke to XXXX and asked them if my information had been released to the Credit Bureau 's after I place a security freeze on my account. A representative by the name of XXXX with XXXX ( XXXX ) informed me that once a security freeze is placed, no information is given without my consent. 

It is my belief that the Credit Bureau 's are engaging in dishonest and deceptive practices by stating they obtained information when they have not. I do n't feel as though they have investigated this properly and truthfully.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I filed a dispute with XXXX in XXXX XXXX XXXX on accounts that I had no contracts with, The original owners sold the account but I had no contract with the company who put this on my report.I filed with XXXX the same no contracts.The breach with XXXX has not helped with my reports ... when I filed my reports I had a score of XXXX with XXXX  working my way up to a over XXXX score and all of a sudden my score has dropped XXXX points because XXXX allows these company 's to make a jester to the account? This is totally wrong on both parties

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 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: my student loan is still showing on my credit report as adverse credit even though it has been forgiving due to me being a XXXX XXXX XXXX veteran. XXXX and XXXX student loans showing as adverse credit due to late payments which I should never have been billed for in the first place. I am asking that those to companies completely remove there adverse reporting from my credit reports to help improve my credit

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 05/19/2017 about Debt collection (Medical debt) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: These collections said do not belong to me all medical.   I obtain  XXXX  insurance companies, never informed I had a balance. I have full coverage  SSI.    There are several credit card activity on my credit along with inquires I have not requested a inquiry for ye ars 10 d ue to illiness.   Several addresses not mine only have One.   I have learn within the past few months there is  XXXX  people with my same name, I dont know how my social got out, but it has.   I have had a foreclosure reported in  XXXX  County, and I have never owned a house.   Please resolve this confusion for me.       Thank You In Advance,  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Mortgage (Conventional fixed mortgage) with Southwest Business Corporation (CO).
Issue: Application, originator, mortgage broker

Complaint: SWBC Mortgage - South West Business Corportation ... 
I interviewed several Lenders and informed them of my ultimate goal is to purchase a new home in XXXX, CO & need a lender that is willing to use income from my Rental properties. 
XXXX XXXX with SWBC said ; We can use Income from Rental Properties to assist with LTV and we will have all your information & documentation in our system as we move along in the process. But first, let 's start with Refinancing one of the properties. They approved me for a 75 % LTV w several stipulations, I met the stipulations but their system was not accepting them, so they had to reduce the approval to 70 % LTV. I asked what it would take to get qualified at 75 % and XXXX said ; I would need to increase my base pay to $ XXXX month. I informed him that I 'm having an annual review & expecting a substantial raise in XXXX and will contact him then to re-submit my loan. 
I received an excellent review and increase in pay to $ XXXX. I sent XXXX and copied the General Manager ; XXXX XXXX. This is the email I received from XXXX : " We are now using a new computer system and it 's been too long so we would basically need to start from scratch. We would need all new documents, appraisal, etc. 
I do n't have the capacity at this time to handle the new business so I 'm going to have to pass '' This is so 'UNPROFESSIONAL ''!! ... and wasted ALOT of my Time and Energy. 
So I contacted XXXX the General Manager to let her know how unprofessional this was and asked if she could refer me to another Originator and she started to point out all of the issues and challenges they had with the loan! ... .and when I started to tell her : I had NO idea there were issues or challenges, she started to get defensive and making false accusations at me ... I quickly realized from the reaction of the GM that I was being Profiled & Rejected due to Prejudice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MS).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: After XXXX XXXX failed to submit my paperwork for consolidation, my loans went into default and my credit took a steep dive. I switched to Navient and got my loans consolidated. Everything seemed fine at first but then came to " income based repayment option. '' After submitting for lower payments based on my income, I was sent information stating that my payments would be nearly $ XXXX/month and the only way to avoid making such outlandish payments would be to sign up for forbearance. I did and I was never told by doing so the interest in my loans would keep accruing. I do n't know what else to do to lower my payments except submit pay stubs as they suggested and reapply for lower payments.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Credit card protection / Debt protection

Complaint: I have a credit card with Citibank. I made some charges at XXXX XXXX, and they were declined due to fraud alerts. I called Citibank and they said the issue was resolved and that I could re-do the charges and they would not be declined. I made the charges again, and again they were declined. I called back and stayed on the line with a representative while she removed the fraud alerts and said I could make the charges again. I made the charges again while on the line with the representative and was told they were fine and had gone through and would not be declined due to fraud detection problems again. The same charges were again declined the next day for reasons of fraud alert. By then, I was in XXXX and had to call from abroad to resolve the same problem for a third time. The representative I spoke to, XXXX XXXX id XXXX ) told me she agreed that I had been misled by the previous representative and that I had been told the issues had been resolved when they had not. I told her that I was now incurring international charges to resolve the problem and had to pay for expedited shipping in order to get the purchases in time for my trip here. I told they I felt they owed me reimbursement for the money I was spending to speak to them to resolve the issue, as I had tried to do so previously and had been told by a Citi representative that the issue was resolved and that the charges could be made and would not be declined, when in fact this was untrue. They declined to address the costs they had caused me in any way. I feel Citi should take some responsibility for the time and cost I incurred in fixing a problem that occurred on their end, caused by their representative telling me that she had fixed the fraud alerts on the account and that I could make the charges without any further interference from the fraud detection system when in fact this was not the case.

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 08-11-2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Settlement process and costs

Complaint: On XXXX XXXX of 2015 we closed on our house. We were told by the closing attorney that we had to come to closing with almost {$5000.00} over and above the loan payoff amount because, Bay View loan services, our mortgage lender said they wont prorate the loan past the XXXX of the month. So we effectively paid penalties of {$77.00} per day for the entire month of XXXX even though we sold the house on XXXX XXXX. I then received a letter from Bay View saying they received our payoff on the XXXX of XXXX and that we would be refunded our overpayment and our our escrow funds in the amount of {$4900.00} in 21 days. On XXXX XXXX, 28 days later, I called to see where our check was. They informed me that the address they had on file was wrong and the check had to be reissued. I said ok, corrected the address error and waited another 2 weeks. When I called back on the XXXX of XXXX, I was informed AGAIN that the address was still wrong and had not been corrected from the previous call. At that point I asked for a supervisor and was put on hold and then hung up on. My wife tried the same day and the same thing happened. I waited and called again on the XXXX of XXXX and was assured on that day that a new check had been issued and we should have it within the next 7-10 business days. On XXXX XXXX I called again because we still had not received the check, I was told that it was sent and to please be patient. I called them again today and finally got someone in customer service. They informed me that according to their records multiple emails had been sent to the department in charge of this and they had all gone unanswered! No check had ever been reissued! Which means everyone that I spoke with lied to us up until today. The customer service manager that I spoke with assured me that the matter was being looked into now and that I would hear something by the end of the week. We are now 72 days past closing. 
To make matters worse, when they gave me the amount that was to be paid back to us was wrong. 
In XXXX of 2015 we received notice that our current mortgage with XXXX was bought by Bay View Loan XXXX We made our XXXX 2015 payment to XXXX which in turn sent the check to Bay View XXXX who then cashed the check. You will notice the cancelled check in the documents sent. However, when our XXXX statement came from Bay View, it had not reflected the XXXX payment. So the payoff amount at the time given to the closing attorneys was wrong. This company owes us our escrow overage, the penalties for the month of XXXX and the XXXX principal and Interest payment. All totaling over {$8000.00}. 
My wife and I are at our wits end with this and are not sure where to go from here.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Making/receiving payments, sending money

Complaint: I have a bank account with Bank of America here in XXXX, NC. I write checks to pay all my bills. A number of times Bank of America has allowed creditors to submit electronic withdrawals from my account without obtaining a cancelled check/check substitute from the payee ( merchant ). In other words they allowed the merchant to convert my check to an electronic transaction without my permission. I have gone to Bank of America and asked them to stop this practice because it can lead to anybody just submitting electronic withdrawals against my account. I do n't know about the withdrawal by electronic transaction until I see my bank statement which is too late for me to stop it. I researched this problem and found that the Federal Reserve issued a new rule called " Check XXXX ''. Check XXXX allows merchants to either return my original paper cancelled check to my bank or a substitute ( such as a picture of the original check ) and data as to when my check cleared. I had a discussion with the manager at my Bank of America location and he promised to contact the merchant. The problem has not been solved. I even called the companies involved. XXXX company, XXXX XXXX XXXX, told me I have to drive to their office ( 45 minutes away ) if I want a cancelled paper copy of my check. Another company, XXXX XXXX ( an account I have had for many years and was never late in payments ) told me I should buy a money order to pay them!! I cancelled my account with XXXX XXXX. XXXX XXXX XXXX, on the other hand, is a service I need. I think these companies are being overly aggressive just to speed up their cash flow thinking that the customer wo n't take the time to complain. I have a debit card from Bank of America that I use for local purchases ( gas, groceries, etc. ) My debit card with Bank of America requires a PIN whenever I use it. On the other hand Bank of America will allow out of town merchants, whom I have paid by check, to put through electronic withdrawals without question. I strenuously object to this-it is a bad banking practice.

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 12-01-2015 about Credit card () with DISCOVER BANK (NE).
Issue: Advertising and marketing

Complaint: Discover XXXX pay Cash back PromotionThey changed the Terms and conditions of Cash back Promo1. The terms of the promotion2. How the gift card exclusion was added several days later3. Discover is now blanket rejecting purchases above a certain amount4. Discover is requiring customers to retain receipts5. Discover does not have the requirement to keep receipts in the XXXX. This is a blatant attack on consumer privacy7. The burden of proof is shifted to the consumer, instead of the credit card company8. If Discover wants to exclude gift cards, they need to do it accurately and automatically, without the need of receipts being sent into Discover. 
if they want to exclude gift card purchases, they need to be able to do it automatically and accurately. The burden of proof does not fall on the consumer and we do not need to keep receipts. 
If they are unable to do this, then they should honor all XXXX Pay purchases with the bonus 10 %.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Payday loan, title loan, or personal loan (Payday loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Charged fees or interest you didn't expect

Complaint: On XX/XX/2018, {$1200.00} was taken from my account without my permission from a merchant named XXXX XXXX. I am on california XXXX, and the funds were taken from my bank of america XXXX pre-paid card. Since it is a prepaid card, my bank was unable to put a freeze on the account. Becuase it is clasified as a XXXX card I dont get notified of unautharized or unsuccesful transactions from merchants maliciuosly trying to retrieve funds from an account. As opposed to a normal account or business account that does notify its customers of suspicious activity and places a freeze on the account after 2-3 unsuccesful attemps. This is negligence in Bank of America 's behalf and discriminatory against americans with XXXX receiving lower tier of service and not getting updated of suspicious activity simply becuse my card classifies me as a XXXX customer. I just had a XXXX to remove 2 abnornal growths from my chest and expected to pay for my medical bills only to find out now I will need to postpone my medical care because of my financial difficulties after this merchant speedy cash took funds from my XXXX prepaid card without any prior notification to me at all what so ever, and bank of america acted negligently in not notifying me of such suspucious activity.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was charged capitalized interest for being 3 weeks late verifying my income. I received just a standard " New document ready to view! '' XX/XX/XXXX. This is well before the renewal date and in no way indicated in the email any action was required on my part. 

I only went and checked verify because I was concerned I had n't received notification it was time for me to do so. While I was able to verify and lower my payment back to IBR levels I took an almost {$4000.00} hit on capitalized interest. 

This process is incredibly deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have contacted the corresponding court and they have admitted in writing that they do not furnish the credit agencies any information. 

I have also reached out to XXXX before XX/XX/XXXX and also on XX/XX/XXXX, and XXXX has suppressed any information to any alleged public record on my file and they send me a letter to that fact.

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 04-08-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Advertising and marketing

Complaint: Capital One advertises Cash rewards -- however and whenever you want themWith Capital One ( XXXX ) cash rewards, there 's no limit to how much you can earn and no minimum requirement on how much cash back you can redeem. Also, your cash rewards do n't expire and can come as a check, account credit, or gift card. However after reading Your No Hassle Rewards Program Terms & Conditions, consumers are subject to : We reserve the right to alter, change, or terminate this rewards program at any time without notice. Redemption values vary and are subject to change without notice.This is misleading and contrary to their term " NO HASSEL REWARDS '' and it should be disclosed or not allowed on their applications page!!!!!!!

Company response to consumer: Closed with explanation