milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-08-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (AZ).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Sallie Mae gives you a standard six months before you have to start making your loan pay backs. When that six months was up I applied for a forbearance for the loans because my husband is in XXXX program and we are not making it on what I make alone. The time has come to repay the loans once again and we are behind in the loan payments. I called after getting letters in the mail and tried to see if I could do another forbearance and they said that I could not. I can make the payment on one but not the other. They stated that I would have to make a payment in order to get information from customer service. I am trying to see the options and they were holding information for ransom. Stating that I was not be able to find out anything without making a payment. Then, I say OK and made a payment and asked if then I could get to the customer service for repayment options and they " tried '' to transfer me over but it did n't work. So then the rep stated that I should call from a phone number that is not on my file so I can get some repayment info. If i use my husbands number or mine it would just route back to collections and they states that they do n't have the same info that customer service has. So I guess I am going to make what payments that I can until I can get more info or help. I really feel like we are being punished for trying to better ourselves through schooling. My husband has at least another year and a half before he is done with his program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient is always very unreasonable when it comes to ibr. They offer no help or assistance as to get your loan payment lowered while paying monthly and daily expenses. The loan repayment amount requested is too much for household of 1.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SUNTRUST BANKS, INC. (GA).
Issue: Application, originator, mortgage broker

Complaint: SunTrust has denied providing me with the underwriter 's approval and verification documents of our loan, among other documents of which I 've requested through XXXX previous CFPB complaints against them. We have now just received correspondence from them and their attorneys, XXXX of XXXX, GA, that our home has been placed with XXXX for foreclosure. This is their third attempt to exercise foreclosure based on a fraudulent loan obtained through predatory lending practices. Again, the loan type is a 10-year interest only ARM of which we entered in XXXX. This term was not clearly highlighted on the first page of the 82-page loan document, but was essentially masked several pages and paragraphs later ( which was finally pointed out to us in XXXX! ) In XXXX, we were not provided the document for review ( 3 ) business days prior to closing, as is now the law. This loan type and disclosure practices are now unlawful, yet they continue to harass us with their attempts to enforce the loan terms. They have refused full disclosure and transparency with regard to our loan, therefore, denying us the ability to effectively re-negotiate a fair loan agreement. At the very least, by refusing to disclose the underwriter 's verification and approval of the loan, SunTrust Mortgage is in violation of the Truth in Lending Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Credit card () with U.S. BANCORP (AZ).
Issue: Other

Complaint: On XXXX XXXX, I notified XXXX XXXX that a {$100.00} payment had been made to my mother 's closed credit card account. ( I made a mistake in my electronic bill paying system. ) Since she was deceased and I had closed the account upon her passing, they requested a copy of her death certificate and her will showing me as executor. 

That information was faxed on XX/XX/XXXX. ( In subsequent conversations, they confirmed receipt of this information. ) To that fax I also attached a letter clearly and specifically requesting the refund and that the check be made out to me since the estate had been settled in 2013. 

Calls to Customer Service on XX/XX/XXXX and XX/XX/XXXX yield no results -- agents were unable to give me a status and reluctant to allow me to speak to a supervise. 

On XX/XX/XXXX I finally spoke with a supervisor who told me the check had been mailed that week ( approx. XX/XX/XXXX ) but it had been made out to the estate, in direct contradiction of my written request. She told me she would stop payment on the first check and reissue another check correctly made out to me and not the estate. 
I did receive the incorrect check a day or so after this conversation. I destroyed it since payment had been stopped. 

As of today, XX/XX/XXXX, I am still waiting for the correct check. Calls to the credit card issuer are transferred between departments, including closed departments. No one, including supervisors seem motivated or empowered to resolve a long standing credit balance request. 

Even considering the involvement of a closed account, it should not take over 3 months to process a refund request.

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I wrote to the credit bureaus twice in XX/XX/XXXX requesting they send me supporting proof of documents, such as, written contract with my signature, complete payment history, ect. The credit bureaus could n't send me anything, but reported back to me that US Bank stated that account amount was correct, and verified. <P/>However ; US Bank also did not send me any supporting documents to me to support their claim. Therefore ; I sent two certified request letters to US Bank first one on XX/XX/XXXX, and second one on XX/XX/XXXX ... Yes, nearly 8 months later, and still no proof documents. US Bank missed the 30 days cut off on the first letter. When they did sent a reply it was under XXXX XXXX XXXX instead of their name, and no agent or manager put their name of it by writing their name on the letter nor did anyone from that company signed it. <P/>They also disrespect any certified letters from consumers because they use an ink stamp " Data & date '' no name or signature on certified return mail. No reply letter & no supporting documents. I reminded them they are violating FCRA section 609 & 611, 15 USC 1681, for reporting incorrect, and unverified consumer account info to credit bureaus without any proof of their claim. Therefore ; by law US Bank must delete the whole account on all credit bureaus immediately. <P/>Also, US Bank has for years been reporting incorrect and unverified account info to credit bureaus without reporting also on the credit bureaus that this account is in dispute ( It is still not reported as disputed account which falsely keep my credit scores low, and harm my creditworthiness for life ). I tried to call them on the phone XX/XX/XXXX after waiting 2 weeks after my 7 days deadline. As soon as I explain to agent what going on and my rights the agent/s transfer me several times without trying to help me delete the account off my credit reports. <P/>After being transfer 4 times and XXXX hang up, I called back just to be transferred to voice mail saying leave a message and state your problems and we will call you back when we are open ... I called on a Monday at XXXX XXXX PST or XXXX XXXX CST ... For Pete 's Sake! They were not close, but they were playing games with consumers to harassed and oppressed them into giving up. I hang up and now I am writing your agency to me to get US Bank to completely delete all unverified account # XXXX off credit bureaus thanks.

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 04-03-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have requested the terms of my original promissory note to be provided and Navient has refused to provide the documents corresponding to my original promissory note. I have requested a payment reduction. After being told I qualify for a different repayment plan and going through the efforts to provide detailed financial information, I was then told by Navient that I do not qualify for any payment reduction despite experiencing a financial hardship. They have refused to extend an extended repayment plan or an income-based re-payment plan. I am still in school completing a XXXX and they have refused to allow me an in-school deferment. Finally, I have requested the process by which I can apply for a reduction in interest rate or refinance given my now existing excellent credit. They refuse to give me any information about how I go about requesting a rate reduction. First I am told that I can apply. Then, I am told that I do not qualify yet they can not tell me the criteria by which one qualifies. I have also requested a release of co-signer and they refuse to provide that information.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GREAT LAKES (OH).
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: XXXX XXXX XXXXr XXXX keeps adding balances and subtracting balances from my accounts because the amounts being reported are incorrect. I have requested written documentation verifying my signature on loan documents to no avail. This is adversely affecting my credit score. XXXX has REMOVED the information from my accounts because of Great Lakes inability to provide proper documenatation, however, the accounts are still showing inaccurate on XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Credit bureau " Equifax '' had mixed my credit report information and my brothers credit report information. I contacted them in XXXX XXXX about this issue and after sending over requested proof and verbally telling them all of my accounts they did an investigation and started my credit file with them. Until XXXX/XXXX/XXXX I did not have a file with them, however I have credit history from at least XX/XX/XXXX. 

My current issue is that my accounts are not updating currently to show the most recent information, they show incorrect balance information and other incorrect information. I believe this is is because my file is still mixed with my brothers, my brothers credit file still includes my name, social security number, and all of the accounts that are listed in my credit report. 

Equifax 's inaction to correct these issues has caused financial harm to me by listing incorrect information on my credit report and reporting a lower score than all other credit bureaus because of this incorrect information. 

I contacted them on XXXX/XXXX/XXXX about this issue and they told me it would take several weeks to hear back. At the end of the call the service rep spent five minutes pressuring me to buy their credit monitoring for {$12.00} a month so that I can " see the status of this investigation. '' This is a clear conflict of interest ; Equifax has a incentive to not correct mistakes and refuse to update my file and follow up with my complaints when I do not subscribe to their service in order to pressure me to subscribe to their service so that I can see what is wrong with my credit report. An " annual credit report '' for free is not sufficient when issues like this arise, in cases of valid disputes credit bureaus should allow online access to credit report file for free from the start to the end of an investigation. 

Thank you for reading.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have an inquiries with XXXX XXXX on my report that I never applied for. I already fill up an Identity Thief documents and send to all XXXX credits bureau. I need this inquriries to be removed from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Rewards

Complaint: Hi, I applied for the Citi XXXX Honors Visa Signature Card on XXXX XXXX through a promotion I received via email to earn XXXX XXXX Honors points after spending {$2000.00} on the card. I had the card previously, but I have just gotten a new job where I will be traveling quite a bit and figured the XXXX card would be good to have once again. I read through the details of the bonus offer and realized it would still be possible for me to earn the bonus despite having had the card in the past. I applied, was accepted, and quickly met the bonus spending requirements on some gifts I needed to purchase. 

When I sent a secure message to confirm the bonus requirements and to confirm that the bonus was indeed tied to my account I was told I would not be receiving the bonus. I was confused because I had received an email for the offer and the offer page I applied through did not mention anything about not being able to receive the bonus if you had previously had the card. 

I would just like to try and get XXXX points that I applied for. I received a credit pull on my credit history to open this account and it would be a shame if I opened the card for an offer I thought I was eligible for but can not get through some error of Citi 's. 

I 've attached screen shots from my application process to confirm my information. Any help would be much appreciated. 

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 05-10-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Deposits and withdrawals

Complaint: My small business account at Chase was compromised. XXXX ACH debits came out of my account. They all went to the same bank account number with different names. After a month or so working with chase fraud department and local representatives I was assured this would be handled. Finally I received a letter stating that they determined there was nothing they could do. I have copied and pasted the contents of the letter below. I reached out to the other bank and they told me I needed to work with Chase. 

XX/XX/2015Please contact the business that initiated the transaction ( s ) you reported to usClaim number : XXXX XXXX XXXX XXXX XXXX, We 've completed our research on the transaction ( s ) you reported to us on XXXX/XXXX/2015 and determined that it 's abusiness-to-business electronic payment. As a result, we ca n't remove the transaction ( s ) from your account*. 
Please contact the business that initiated the transaction ( s ) to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (IL).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: XXXX   XXXX  I applied for a secured credit card  ( S ecured  Visa ) with US Ba nk. This secured card is specifically marketed to individuals with less than average or poor credit to assist them with improving thei r credit score.  As with most secured cards, applicants must transfer/provide the full amount of their credit line as a deposit for the card.      XXXX / XXXX /  XXXX   : I received notice from USBank stating that my application was not approved at this time due to " Your debt to income ratio exceeds established maximum guidelines. The total monthly income amount recorded on your app was {$2500.00}. The monthly housing payment recorded on your application was {$0.00} ''.     The notice further states for me to call them if my housing payment is not accurate.     My complaint is as follow  s : 1. The notice suggests I was denied for not having a monthly housing expense, which is unfair considering the home I live in is paid off and I live with my mother.
2. Any individual with poor credit will have a high debt to income ratio which is why such individuals apply for secured cards. Therefore, this particular card should not exclusively use credit as a factor.
3. I called US Bank 's customer service line and spoke with an unfriendly representative. She stated that ratio guidelines were set by the federal government. I then asked her what was the maximum according to those guidelines and she responded that the information was confidential. Confidential federal guidelines?
4. If delinquent accounts or poor credit history is a factor, credit companies ALWAYS state so as the reason for the denial. That was not the case with this application, leading me to believe that there are other biased factors that may contribute to the denial of a SECURED card requiring full deposit of the credit limit requested and may require federal investigation.
5. Whether US Bank uses federal guidelines or their own, that is critical information that should be provided to any consumer requesting approval, especially if the consumer is suffering from poor credit and specifically seeking to restore such credit. The hard inquiry also means a point reduction in credit score making any preventable denial a disservice to the consumer.
6. US Bank had internally decided to discontinue the card prior to the denial of my application. I believe this to be the real reason my application was denied. The card is also no longer being offered.

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 01/18/2018 about Debt collection (Other debt) with ProCollect, Inc (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX, 2018, a letter for debt validation was submitted to the company, ProCollect, asking the company to submit the proper documentation to state that I am legally obligated to pay the amount of XXXX. A letter was returned to me from ProCollect stating that their client contends that this is a true and valid debt and supplied me with a copy of a rent ledger as supposed proof of this debt.

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 10-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There is a duplicate account being reported from XXXX as still open with XXXX collections agency, when the XXXX account was settled and settlement was paid off. 
XXXX is reporting the following : Account # XXXX $ XXXX XXXXOriginal Creditor $ XXXX BalanceMay XXXX, XXXX DateXX/XX/XXXX XXXX, XXXX ReportedIndividualResponsibilityPlaced for collectionRemarksNoteWhen XXXX is reporting the closed status : Account # XXXX $ XXXX XXXXOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX, XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXLast ReportedIndividualResponsibilitySettled - less than full balanceRemarksNoteXXXX XXXX has reported the account closing to XXXX bureaus. 
This is clearly an error that needs to be reviewed. I have only had XXXX account with XXXX, and to further show proof that there has be to an error, the amounts shown as being owed are exactly the same. 

Please help, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Checking or savings account (Checking account) with Fidelity National Information Services, Inc. (FNIS) (UT).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: I am the XXXX for an XXXX XXXX XXXX. We received a check from a donor that was issued by a bill pay service XXXX ( formerly XXXX ), but the check was incomplete. About 1 inch of the right side of the check did not print at all, so the serial number, the trailing three digits of the amount and the check date did not print and thus I am not able to deposit it. I can tell by the written part of the check, but the check was only for {$10.00}. 

I contacted XXXX at the email printed on the top of the check along with an image of the check requesting that they reissue because the currently issued check is not valid. After 6 days, they emailed me back and told me I needed to resend the physical check for them to reissue it. This feels burdensome and not consistent with regulation CC or Check 21 because I do not believe this check has all of the elements to be considered a substitute check - thus they withheld funds from this donor and the donor is unaware of that they did n't actually issue a legal check. 

I, in good faith, notified them of an error that impacted a check issued to my organization with visual evidence of their error and they are refusing to resolve it without sending a physical check for a very small amount. This is harming my organizations donor ( who is a individual consumer ) and potentially an unknown number of other unknown customers who may have also had incompletely printed checks.

Company response to consumer: Closed with explanation