milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called XXXX twice to add a user to my card. I was told that i can add a user WITHOUT my credit being run - PLEASE XXXX GO LISTEN TO THE PHONE CONVERSATIONS. 

XXXX ran my credit on two occasions to add a secondary user to my card but on the phone conversation i was told and i verified " You credit will not be pulled '' i did not give consent. I have called and written XXXX for years and many times about the UNAUTHORIZED hard out of my credit .This is illegal and unethical. I did not give permission and i specifically asked to make sure that my credit would not be pulled and was issued that it would not be. It still was an NO ONE WAS ADDED on those two days

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 05-10-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: American education services wo n't take my XXXX recertification in which my payment is XXXX A month because I was late to recertify. They are going to default my loan because of two months of interest even though my payment was XXXX when I recertified. If I ca n't afford to pay I payments and just because I was late to recertify should I have to use the little remaining differment that I have left. The same loan servicer already made me use all my forbearance and told me that I was n't eligible for a deferment when the whole time I was in I would n't of been charged interest for that time if I would 've use that instead but since forbearance is the only one you can do over the phone in order to Fix a couple months of interested I should n't even be charged because my payment is still XXXX the whole time on an IBR they want me to send you a bunch of documentation and proof that I 'm on public assistance just so my loan does n't default.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/30/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Deposits and withdrawals

Complaint: Hi my bank account was basically stolen and is being withdrawed of a lot of money

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: After the XXXX scandal was made public, I decided that I wanted to find a new bank to bank with. At the time, Regions Bank was running a promotion that offered new customers a {$400.00} checking account bonus when signing up for a checking account. 

Because of this promotion and as a result of seeing local branches in my city, XXXX, TX, I decided to give Regions a try. According to a representative that I spoke with on the phone, my sign up date according to their system was XX/XX/2017. However, I received no documents from Regions until around the middle of XXXX. At that point, I was shocked to see that I received documents for XXXX checking accounts, not just XXXX. 

I logged into my account online, and sure enough there were XXXX accounts opened in my name. As a customer that was trying to find a suitable replacement for XXXX due to accounts being opened without their customer 's knowledge, I was really disappointed. I am not sure how it is possible, or why Regions Bank might want extra accounts to be opened, but XXXX accounts were opened in my name when I went through their sign up process just once. 

My problems with Regions Bank were only compounded when I called Regions Bank to inquire about the promotion, to be told that the promotion ( conveniently ) expired on XX/XX/2017. I checked my own records and was sure that the promotion in question ( XXXX ) expired on XX/XX/2017. I had saved a screenshot of their marketing material that was displayed on their website at the time I signed up for my account which clearly showed the expiration date to be XX/XX/2017. 

The lady I was speaking with on the phone insisted that the expiration date was XX/XX/2017, and that as such I was no eligible for the promotion. I asked her to send me a copy of that document so I could verify for myself. However, she said that Regions Bank did n't keep original copies of the marketing material at that time, and that she could n't send me whatever documentation she was looking at because it was expired and " could n't be printed. '' As I mentioned, my own records and other peoples ' records online clearly show that their marketing material showed XX/XX/2017 as the expiration date. For Regions Bank to advertise a promotion to draw in customers, then tell them after the fact that they are ineligible for that promotion without providing any proof whatsoever is, at its best, dishonest.

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 Mortgage (Conventional adjustable mortgage (ARM)) with Trinity Financial Services, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: back in XXXX I had some difficulties to pay my mortgage, first and second loan I could work with XXXX XXXX services who had my two loans, they helped me with the first loan but the second loan they did nothing with, after they went to bankruptcy the second loan disappear no one could give me any information, two years later a company appear trying to collect XXXX XXXX dollars, but I did not had any money to work with them, now eight year later appear trinity financial, now they have my house for sale on XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Mortgage (FHA mortgage) with RANLife, Inc. (UT).
Issue: Application, originator, mortgage broker

Complaint: I applied for a loan with Ranlife mortgage just over a month ago. After my discharged bankruptcy in 2013, I first wanted to make certain I would be eligible, as I had a previous mortgage loan I was no longer responsible for. That mortgage has a primary mortgagor who is still paying and plans to keep the property. After much discussion and their underwriting dept. verifying my approval, we moved forward and began my search for a new home. After a few weeks my realtor found me the perfect home. I paid for the inspection, appraisal and paid my earnest money after the seller agreed to my offer. Many weeks past as we awaited the appraisal to come back and for the loan to be underwritten. The appraisal came back at XXXX less than the asking price, so the seller agreed to lower the price contingent on us closing on time. This expectation was communicated with Ranlife who gave us the go ahead. On XXXX XXXX, just XXXX business says before the scheduled closing, ranlife called and told me they needed further documentation to prove I am not financially liable for my previous mortgage loan and they wanted proof to show new ownership. I explained I can not force the primary mortgagor to refinance and put in his name but that should not matter as I am not on title, nor my credit and I have provided all the bankruptcy papers to illustrate this point. I called my previous mortgage company and asked for a letter but they require 10 days to process and mail that letter. The seller does not want to wait and already made it clear that a closing date was required for the lower selling price. I am now looking to lose the earnest money, the money for the inspection and appraisal and the time and effort I have put forth, not to mention my emotional well being. This is something that should have been requested weeks and weeks ago, not 2 days before the scheduled closing date. The lack of due diligence on Ranlifes part has now cost me the home of my dreams and thousands of dollars and time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit card () with AMERICAN EXPRESS COMPANY (NC).
Issue: Billing disputes

Complaint: American Express induced me to open a credit card account and to spend {$3000.00} on the account with the promise of a {$500.00} statement credit which they are now refusing to honor. I opened the account online in XXXX 2016 and spoke with an American Express agent over the phone to verify the application details. During that conversation I inquired about the promotion that guaranteed a XXXX membership rewards points credit ( worth {$500.00} in statement credit ) whenever a customer spends {$3000.00} or more in the first three months of opening the account. The agent assured me that I qualify for it and that I would automatically be credited the balance. After spending about {$3500.00} on the account, I made more than XXXX separate inquiries over the course of three months with American Express via their customer service hotline over the phone and through their website to have the points credited to my account. American Express refused and continues to refuse to credit me with the reward balance, referring to its general terms that makes prior American Express customers ineligible for the promotion, a direct contradiction to the explicit assurances its agent made to me at account opening. American Express has now closed the account and transferred the claim administration to XXXX of its internal collection agencies as they continue to refuse to honor the promotion promise and have charged more than {$350.00} of late fees on the account. Throughout this entire process, I repeatedly assured American Express that I am willing to pay the entire legitimate balance ( after the {$500.00} statement credit and removal of all late fees ) at once, an offer American Express continues to refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Medical debt) with ONLINE Information Services, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I HAVE CONTACTED THIS DEBT COLLECTOR, AND THEY ARE STATING THIS DEBT IS MINE WHICH IN FACT IT IS NOT MINE, I DONT EVEN KNOW WHO THIS COMPANY IS.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 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: Personal information incorrect

Complaint: Once again they have incorrect information [ report XXXX ] even though we submitted through your agency. All you did was take their reply and close the file. How many times do we need to repeat the process until the report is correct? This is causing us severe financial impact. Attempts to correct on line failed since they provided incorrect validation information. Attempts to call by phone failed as usual- 1- My name XXXX XXXX it is NOT XXXX XXXX XXXX XXXX XXXX. 2- XXXX XXXX XXXX is not ours. and not a savings plan. It was a retail purchase paid to XXXX balance months ago! Basically all debts paid down and still a miserable score and incorrect reporting! Same issue with numerous inquiries, missing Security hold but they have a " State Legislation '' hold on the account- remarkable. XXXX XXXX  XXXX XXXX mortgage since XXXX  2017

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Consumer Loan (Vehicle loan) with KEYCORP (MA).
Issue: Managing the loan or lease

Complaint: Loan originally from XXXX XXXX and assumed into KeyBank. No exiting instructions provided for remitting payments to KeyBank. Called into bank and spoke with Customer Service, informed me my AutoPay was going to be cancelled with KeyBank and my account was delinquent - prior to next scheduled payment being due. I was told AutoPay did n't transfer from XXXX XXXX and then was told that it did transfer from XXXX XXXX - but would n't be able to utilize for payment. Then was told I am unable to make payment utilizing my financial institution I bank with and I need an account with KeyBank. Frustrated and looking for other options / re-financing with other institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Mortgage (Conventional fixed mortgage) with Nationwide Biweekly Administration, Inc. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2015, I entered into agreement with Nationwide Biweekly Administration to handle my mortgage payments on a biweekly basis ( as opposed to monthly ). I was told that this would drastically reduce the amount of interest I would have to pay, and would shorten the length of my mortgage. I have tried repeatedly to contact this company to verify that payments were being made to my lender, but every attempt to contact them ( by phone or email ) has resulted in a dead end. Suspecting that I had been scammed, I have spent the last 3 days attempting to contact customer service at NBA. Every phone number they listed lead me down a path of " technical difficulties '' or " high call volume '' excuses. Not once was I able to speak to a human being. I even entered the phone option to " close my account '' with them, but that too lead to a dead end. How can I put a stop to my relationship with NBA if there is no way to contact them?

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 01/18/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (WV).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am on a Pay As You Earn repayment plan for my Direct Unsubsidized Stafford Loans and Direct Student Plus loans. My servicer is Fedloan Servicing ; I work for the United States Department of the the Treasury and am participating in the Public Service Loan Forgiveness program. I believe my monthly payment has been calculated based on my gross income, rather than my Adjusted Gross Income, as it should. FedLoan Servicing has been unresponsive, and I am unsure where to turn. 

I finished XXXX XXXX in XXXX XXXX with approximately {$60000.00} in federal student loans ( Direct Unsubsidized Stafford Loans and Direct Student Plus ). I immediately began working for the XXXX, and entered repayment in XXXX XXXX, following the grace period post-graduation. I asked to be placed on the plan with the lowest monthly payment, so as to maximize Public Service Loan Forgiveness ( PSLF ). Of course, I can provide more specific details, as well as the exact documentation provided to the servicer. 

I did receive a raise in XXXX XXXX, and this past XXXX ( XXXX ), my monthly payment was set to a higher amount, as I expected. However, this time around, I took a closer look at the amount specified and believed it to be too high, even accounting for the higher income level. I emailed FedLoan Servicing on XXXX/XXXX/XXXX ( I have an auto-confirmation email to document this ), and never received a response. In turn, I called and spoke with a representative Friday XXXX/XXXX/XXXX. When I explained the situation, the representative verbally confirmed the " discrepancy '' in the payment amount calculation, and notified me that I would receive a follow up in 7-10 days following a review. The representative 's name was XXXX, and her Employee ID # is XXXX. 10 days have passed, and I have not received a response. Please also consider that i originally contacted them on XXXX/XXXX/XXXX. 

Specifically, I do believe that my payment amount has been incorrect since I entered repayment ( XXXX ), and I have been required to pay more than is required under the program. I wonder if this is something you can assist with / review, and could advise me as to what my rights and options are.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/22/2015 about Debt collection (Credit card) with Admin Recovery, LLC (MD).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Below are at minimum the FDCPA violations Admin Recovery , LLC has done : XXXX. Harassment or abuse [ XXXX XXXX XXXX ] - see details above regarding interaction with Admin Recovery , LLC employee XXXX. False or misleading representations [ XXXX XXXX XXXX they led my brother to believe they were an attorney. 
XXXX. Validation of debts [ XXXX XXXX XXXX ] - I have not received any written notice from Admin Recovery, LLCPlease see attached detail. They were threatening, harassing and abusive in their tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Pioneer Recovery ( A Navient Co. ) employee, XXXX XXXX XXXX, called our neighbors this morning and left them a written massages with the collection case # s and info of our unpaid college plus loans we took out XX/XX/2000, asking them to hand the message over to us physically by my neighbors. 
So, what kind of harassment are they trying to humiliate us in our neighborhood? 
I 've visited Pioneer Recovery web site boasting as a leading provider of collection service with 13 yrs. of wealth of experience in non-tax government collections. Does this mean they are acting on behalf of our XXXX government? ... 
My husband just XXXX at the age of XXXX as a XXXX and I am a XXXX by training, still working as a self-employed XXXX with my husband 's help. We never had any vacations in our 38 yrs. of marriage life and continuously worked XXXX in XXXX market. 
Our home has been on the market in last 11 months and still have n't found a buyer. We 're trying hard to manage the situation with dignity on our part but our options are limited. 
What would Pioneer Recovery do next pursuing their collection attempt, are they going to contact our bank and take our house away? ... Thank you for letting us to write this complain, we do n't know where to turn to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: CRA is in direct violation of FCRA, FDCPA and Metro 2 Compliance.

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 07/26/2016 about Consumer Loan (Vehicle loan) with SYNCHRONY FINANCIAL (CA).
Issue: Managing the loan or lease

Complaint: I had called to check status of a vehicle loan payoff, to the XXXX XXXX XXXX number. 
The young lady I spoke with XXXX who became very rude and defensive in tone as I ask questions about the payoff that they said had to be forwarded since the address in the payoff letter that was sent to us, had the wrong address on it. having us send it to XXXX XXXX XXXX, OH instead of a XXXX XXXX address. I know that these conversations are recorded and that you can review them. I generally do not write these type letters but this young lady upset me very much.

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 06/21/2016 about Mortgage (Home equity loan or line of credit) with TD BANK US HOLDING COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2015 I signed a modification agreement. 
The terms do not match what is being charged to me. There is a charge for {$2100.00} for legal applied after I had an executed contract. Also my payments are not being applied to principal properly.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (SD).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I noticed that my private student loans currently being serviced by Discover Student Loans have been charged late fees in the last XXXX billing periods. My due date is the XXXX of every month, and my payments were received by them on XXXX XXXX and XXXX XXXX. I want to make sure they reverse these fees and remove any delinquencies on their records as well as any delinquencies they may have reported to the credit bureaus. 

I tried to chat with them, but sat on hold for quite a while with no response. I called them, and an agent said she was transferring me to the " payments screen '', then after several minutes on hold, she came on the line and spoke to me over the hold music asking if i wanted to try back later, I said I 'd like to continue to hold and she hung up on me. Lastly, I tried to send a message through their own internal message system on their website, and it wo n't let me submit it, giving me this error : " Message : Re-enter using letters or numbers as required '', here is the message I was trying to send : " I really hope you can help me, because I just got hung up on while on hold for XXXX of your payment representatives, and I sat on hold on chat for quite a while before giving up. I noticed my minimum payment has been fluctuating over the last XXXX billing periods, so i viewed my statements and saw that I 've been charged late fees on my last XXXX statements. My due date is the XXXX of every month, and my payment history shows my last XXXX payments were received XXXX XXXX and XXXX XXXX, so I 'm not sure how I 'm being assessed late fees. I certainly hope you 're not reporting me past due to the credit bureaus, because I have great credit and have made my payments on or before the due dates. Did n't you guys get in trouble last year for overcharging interest on student loans? Can you try to get this right? 

Please refund my late fees and correct any delinquencies your records may show, because I was not late. '' I am turning to the CFPB only after exhausting every method that Discover Student Loans offers of contacting them.

Company response to consumer: Closed with explanation