milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-01-2015 about Bank account or service (Checking account) with U.S. BANCORP (MO).
Issue: Account opening, closing, or management

Complaint: I received a mailer stating if I opened a personal checking account, I would receive XXXX after two months of reoccurring direct deposits of XXXX or more. Once I went to the local branch, I was told since I am self employed and my direct deposits are n't from an employer, I would not be eligible for the promotion. I use a third party servicer and rents from my rental property come in monthly as a direct deposit. 

This does not make sense. The solicitation says " reoccurring direct deposits. '' Certainly I meet that requirement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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 disputed a fraudulent charge on my Equifax report but they investigated and said i should be financially responsible for the fraudulent charges. i strongly disagree. I live in a city with one source for energy and power which is XXXX XXXX. i have recieved my energy and power from this company since XXXX to the present XXXX. I could not have received service from the company the charges stem from if i wanted to. i live within the city limits and the towns utility company pretty much has a monopoly as the source of energy for all of its residents. After Equifax ruled against me, XXXX then followed Equifax 's lead I then sought to send Equifax information proving that I never requested XXXX XXXX services i am being fraudulently being charged for nor have i ever lived at the fraudulent address associated with the charges. I have been unable to check the status and walk through the steps to upload said proof and am running out of time. I have 17 more days but I am presently locked out of access to Equifax to dispute the charges listed below. 
XXXX XXXX XXXX XXXX is charging me {$1000.00}. The original creditor is XXXX XXXX date opened is XXXX XXXX First reported in XXXX XXXX for collections

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX Capital One XXXX made unauthorized charges to a personal account ending in XXXX from a business debit card ending in XXXX. This issue is ongoing and was unresolved after speaking with : XXXX - XXXX, TX Supervisor : XXXX - XXXX, TX On XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Payoff process

Complaint: I have been a Bank of America credit card customer since 2009. I have never been late and have carried a balance for most of those years. I finally paid off the credit card. In the month I paid off, I returned to the website and made two additional payments for a total of three payments. My last payment I paid {$7.00}. It actually shows I overpaid my account. Then BOA issued a trailing interest amount of {$6.00} and I was unaware. When I call to try to understand how they charged me additional interest when I paid off the card ( only a few days ) the month before and paid all charges, interest and amount due ( three times in one month ), they do not provide a reasonable or logical explanation. They say you have to pay off your credit card for two months in a row, so one month paying all charges and interest is not enough. This is unfair and unreasonable. After I called, they immediately said they 'd waive this amount, but that is after they reported me to the credit bureau with a sixty day late. I was unaware of this trailing interest and can not get a detailed explanation of why I was charged this amount, reported to a credit agency, then told the amount could be easily waived. How can they report me on an interest only trailing amount that they easily waived? I am a long term customer who has NEVER been late with a payment. I did not receive a paper letter that this amount was owed or a single phone call. They just reported me and now say they can do nothing to help me. Bank of America practices unfair credit practices. They are not acting professionally, reasonably and they obviously do not value customer relationships. I have called them 4 times and no one has been able to help. I want this amount removed from my credit report and I 'd like to receive a letter of detailed explanation as this has damaged my credit report and caused a lot of XXXX in my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I started a Citigold checking account with Citi at the XX/XX/2016 and they promised XXXX Thank you points. When the points did n't come as promised I sent a message to ask. They replied saying the points will be available by XX/XX/XXXX. When the points still did n't come, I sent another message. They say they will look into this and reply by XXXX. Meanwhile they 've been charging {$30.00} service fee per month!

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 09/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (TN).
Issue: Loan modification,collection,foreclosure

Complaint: My wife is XXXX from having a XXXX a few years ago, We will always have ongoing medical expenses that are not covered by health insurance for her care and that has caused us to be deliquient on our mortgage. We 've submitted financials and several modification requests to American Servicing to modifiy our mortgage. Customer service has been rude and uncooperative and refuse to modify our mortgage. We recently resubmitted our modification request again. Please help, we do n't want to loose our home.

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 04-12-2016 about Student loan (Non-federal student loan) with AES/PHEAA (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am writing regarding American Education Services. I have had a student loan out since 2004 for {$23000.00} and now 12 years later is only down to {$22000.00}. The interest rate is 3.75 %. I have XXXX the company to see if other people have had problems and there are XXXX of complaints about how people have been paying more than the minimum and the balance is not going down. I feel, after so long that this company is getting away with taking people 's money and would like it if you can do some more behind the scenes investigating. I believe this company owes us thousands of dollars that we have spent for something that should have been paid off years ago. 
Any help with this or advice on what to do would be greatly appreciated. 
Kind Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: Good Afternoon, I bank with Wells Fargo and have no protection whatsoever on my checking account. An individual sent me money via XXXX XXXX. The individual went to his bank after sending the money and opened a fraud claim. The individuals bank approved the claim and took {$150.00} from XXXX XXXX, and then XXXX XXXX turned around and withdrew {$150.00} from my account. There was no notice of any kind from Wells Fargo. XXXX XXXX just helped themselves to my account as if it were their account. Where is the protection?? Why can a third party just have unlimited access to my account? That is inappropriate and when filing a dispute, I was told that I would not get my money back. Please note that Wells Fargo does not even investigate!

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 10/31/2015 about Credit reporting () with LEXISNEXIS (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX Insurance canceled my policy because Lexus Nexis Risk Solutions, XXXX . XXXX, XXXX XXXX Report reported to them that I was in a At fault accident and received a citation on XXXX. I was not issued an citation for any accident period. My official XXXX and XXXX records do not even state this information. Lexis Nexus and or The XXXX Report are not government agencies but some how have mustard up the authority to have ones insurance canceled do to false information. I contacted XXXX who admits themselves that both my XXXX and XXXX record is clean and show no violations. However, since Lexis Nexus told them I have an at fault ticket they had to cancel my policy or double my rate. As of now I have no car insurance with no tickets or violations listed on my GOVERNMENTAL ISSUED DRIVER REPORT from the XXXX. The governmental agency that is authorized by the government to handle all drivers records. How can a consumer reporting agency not authorized by any government have my insurance canceled and rate doubled and the information is incorrect. Lexis Nexus told me that they had authority over the XXXX and XXXX and there records are never wrong. I will be a seeking legal representation pending the results of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Other

Complaint: I called capital one and informed them of a fraud that occurred while I was I. The XXXX XXXX at several gas stations and I do n't have a car in that country. They awarded my funds back in my account and then when I arrived back in the states an agent called me and told me that those charges are good because they are consecutive and there 's a pattern of the same charges. So I did n't argue and the only thing I said was thank you but I want them to send me the pattern or to anyone that shows that this is a pattern. Now she says if my card is not stolen there is no way for someone to use it. Now today as I 'm seating I. My house I got an email that my other capital one card was compromised and they stopped it and blocked it, so why could n't they do the same with the other card. They need to refund the fraud that occurred or I will keep fighting it it 's unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 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: On XX/XX/XXXX - Equifax stated that there were 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax between mid-XX/XX/XXXXandXX/XX/XXXX.
Upon checking their site onXX/XX/XXXX - my information was shown to be one of those that were compromised.
Equifax wants me to waive all rights and sign up for their XXXX XXXX XXXX which not only will send me spam, but have a limited duration.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have disputed this item to have it verified and validated. I received notice that the debt was verified but did not get anything showing how it was verified/validated.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Trouble during payment process

Complaint: Ocwen Loan Servicing is running a scam that they now impose a {$10.00} fee for paying your mortgage on their website if it is more than 10 days past the due date. This is true even if you are still within the grace period. Apparently, I have to write a check and use snail mail to pay my mortgage otherwise they charge $ XXXX {$19.00} to pay electronically or over the phone. We all know the transaction costs for processing electronic payments is minimal and this is just an attempt to try to make people miss the deadline and incur late fees. This is an unfair business practice that the government should be prohibiting. It costs them no more money to process a payment on the XXXX of the month than it does on the XXXX, but it eliminates the grace period that was provided by law. Because I ca n't just change my loan servicer when they adopt obnoxious processes, the government should be stepping up and regulating these practices. It would be nice if the Consumer Financial Protection Bureau actually protected consumers from these outrageous practices. Because it costs them more to process paper checks, I will go ahead and start mailing checks again.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: TransUnion allowed an individual ( criminal ) using my SSN to setup an online account and purchase my credit report using a stolen credit card number. Only when the account holder for the stolen credit card complained about a fraudulent transaction did TransUnion permanently block online access to my credit file. At no time did TransUnion notify me of the credit breach nor has TransUnion offered any protective services. The individual ( criminal ) has a complete copy of my entire credit history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have never been able to access my credit report from any of the free sites. After filling out multiple forms and applications I have been repeatedly ignored. The buero has failed to send me any of my credit information even though I have requested it numerous times.

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 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I opened a student loan in XXXX 2010 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$16000.00}????

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 07/17/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: They did not fix.. I have proof of time of account open, the whole system is automated and no human interaction. They have incorrect info and do not correct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Closing/Cancelling account

Complaint: Account closed due to inactivity. However, there was no notification sent that this action would be taken. Synchrony Financial can not produce documentation that states that an account will be closed without disclosing the intention to the account holder first. 

In fact, my account had a debit balance that I was going to utilize. However, I can not use the proceeds as the account was closed without my permission nor notification.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GU).
Issue: Confusing or missing disclosures

Complaint: I respectfully ask for your urgent assistance to have the XXXX XXXX XXXX to send me my credit card at my mailing address on file with them. Reference number XXXX person to inform their name are below. 1.XXXX XXXX VP , Global New Accounts 2. XXXX XXXX Customer Advocate Services Team Please correct my mailing address to : XXXX. XXXX XXXX XXXX, Guam 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 06/28/2016 about Student loan (Non-federal student loan) with AES/PHEAA (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had the ability to pay off XXXX of my private loans serviced by AES earlier this month. I call and get all information needed, po box number, and 10 day payoff. I have XXXX account with them. I sent the check certified mail and it was received within 4-5 days of it being mailed. It never posted to my account. I inquired and was told they would look for it. They had the check for over two weeks and now are saying that it does not have the account information, it will not be accepted, I continue to incur more interest and there is a potential of a late fee being assessed by the owner. I forwarded a copy of the check stub, was sent certified from XXXX XXXX showing that it did reference the account number. Also I have XXXX account and the amount of the check was for the amount owed. I find the lack of due diligence, common sense, and how this was dealt with completely unprofessional. In addition I know have the added interest, delinquent account, and the possibility of a late fee. Some reprimand is warranted. These loans are crippling the country and when I try to pay what I owe, I get XXXX one last time ( hopefully although I would imagine that this will continue ). Thank you in advance for your time and consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/20/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: On or about  XXXX    XXXX  , my   XXXX   XXXX    XXXX  mortgage was sold to Carrington Mortgage Services ( Acct. No.  XXXX  ). While with   XXXX   XXXX    XXXX , I went through a modification, wherein foreclosure fees were incurred and added to my principal balance, with the exception of some title and attorney fees in the amount of approximately {$1400.00}. These fees were added to my account as additional fees and NOT due and owing until satisfaction of my loa n (  language to this affect was outlined in our modification agreement ). S ince Carrington  has taken over the loan, they repeatedly include these fees in my total amount due each month and report this as a past due amount to the credit reporting agencies, thereby adversely affecting my credit. I 've called and they will not correct, and state they will continue to do this. When they took over my mortgage they assumed all the terms and conditions entered into with   XXXX   XXXX   XXXX   XXXX . This lender has horrible reviews and a flawed history. Please help. This is also the same issue for the co-borrower on my loan,  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Mortgage (Conventional home mortgage) with First Direct Lending, LLC (NC).
Issue: Closing on a mortgage

Complaint: We closed our mortgage wit h First Direct Lending o n  XXXX   XXXX ,    2017. The clos ing costs were {$800.00} more than we were told. We were told that day verbally we would get a check or direct deposit into our checking account. Then we were told in emails. We have not gotten  it. ( See Attachment A -  G. ) It has been very disturbing with all the excuses and time that we have gone through. Attached are those promises circled in red. We have made several calls and have written all the officers of the company and have not gotten any replies exc ept one which said we would be contacted within 24 h ours.   That was 2 months ago.     This process has time and energy draining as well as exhausting.   Thank you for your help.   Yours truly,  XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/17/2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was modifying my mortgage loan with Carrington mortgage. The representative I was working with told me I had to stop making my mortgage payments in order to qualify for the remodification. I was told that the late payments would not be reported to the credit bureaus. I did so and the remodification went through. Several months later though I checked my credit and the lates had been reported and now my credit is suffering because of it. I 've contacted Carrington several times and they 've never called me back.

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