milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/16/2017 about Bank account or service (Other bank product/service) with U.S. BANCORP (IL).
Issue: Using a debit or ATM card

Complaint: I was given a Visa debit card as a XXXX gift by my employees. When I attempted to use the card I learned that it had a zero balance. Following a little more investigation I learned that several transactions had been made using the card number and had exhausted the cash value. I called XXXX at XXXX but could not talk to a person. I left my phone number with a request for a phone call I received nothing. A few days later I called again but was still unable to speak with anyone so I faxed all the information to XXXX at XXXX on XXXX XXXX, 2017. I was assigned XXXX case numbers XXXX and XXXX via a letter sent to me on XXXX XXXX, 2017. Yesterday a representative called my home phone and left a message stating that I needed to start the whole process over. I called again today and waited on the phone line for 30 minutes just hoping that I would get to talk with a real person. No luck. Please help me.

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 10-10-2016 about Mortgage (Conventional fixed mortgage) with BMO HARRIS BANK NATIONAL ASSOCIATION (WI).
Issue: Loan modification,collection,foreclosure

Complaint: Made the last payment on 15 year loan in XX/XX/2016. Was informed by bank that I had a balance of {$98000.00}. I applied for loan to buy some time and was turned down because of low income and low credit score. The 15 year loan was paid monthly without missing a payment. {$950.00} a month for 15 years. Total amount paid was {$170000.00}.

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 07/15/2015 about Credit reporting () with EQUIFAX, INC. (MT).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Problems with Equifax still reporting a 7 years old ch XXXX Bankruptcy : XXXX and XXXX have deleted the item but Equifax continues toconfirm and renew reporting on this stale credit report Item. ( Twice ) It was only ever filed once. 
Federal law says it can be removed but Equifax continues to maintain reporting. 
I have disputed repeatedly but item only shows on Equifax and they will not cooperate. As of the latest dispute this is their response : We have reviewed the bankruptcy information. XXXX The results are : We have verified that this publicrecord item is reporting correctly. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX & gt ; & gt ; & gt ; We have reviewed the bankruptcy information. XXXX The results are : We have verified that this publicrecord item is reporting correctly. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX responded with the following - outlining regulations regarding fair credit reporting regarding 7+ year old Bankruptcys ( ch XXXX ) I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. 
Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated forten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcyabout dismissals or filings. The law clearly states from " date of adjudication '' or date of " order ofrelief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filedmay never have actually been adjudicated. Therefore, you have no right to maintain information whichthe government has deemed nonexistent. 
You are reporting this Item twice when it only existed once. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my creditreport and send me an updated copy when this action is completed. 
Consumers have the right to pursue litigation against reporting agencies and collect damages forviolating the FCRA. 
I would like this removed- deleted from my Equifax report immediately. 
Thanks XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Student loan (Federal student loan servicing) with SUNTRUST BANKS, INC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: After I graduated from college I could n't afford my loan payments. My original subsidized loan balance was {$32000.00} unpaid interest {$120.00} @ 7 % interest rate current balance as of today is {$73000.00} according to XXXX. My original unsubsidized loan balance was {$30000.00} unpaid interest {$4200.00} @ 7 % interest rate, current loan balance as of today is {$63000.00}. Total loan balance as today = {$140000.00}. How? Why? I 've called several times to tell my lender there is a severe issue with my loan balance. I 've disputed it with all of the credit bureaus. I tried consolidating my loans to lower my payment and get a lower interest rate. I 've called my lender asking why is my balance of my loans so high? I have used forbearance and deferments for years. Finally I tried to file bankruptcy to get an affordable student loan payment. That did n't work. The only good thing that came from that was my Lender contacted me and acted like they were willing to help me get out of default. They lowered my payment for a year, I never missed a payment. They claimed they found a new lender for my loans XXXX XXXX . My payment was {$41.00} initially. XXXX XXXX, 2017 my loan payments went from {$41.00} to {$550.00} on the IBR Plan. I called and tried to see if there were any other options for a lower payment because I have XXXX daughters in college and I ca n't afford the payment. The customer service representative just kept saying there are n't any other options for me with my income and family size because your income has increased. The representatives are so rude and disrespectful, not helpful at all. Terrible attitudes and so unprofessional.

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 11/29/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I contacted this company and informed them that someone opened an unauthorized account using my personal information and this is not my account.

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 08-08-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Problems caused by my funds being low

Complaint: I keep being charged overdrafts after I cover the overdraft before it posts. The bank ( wells fargo ) posts it the date it was presented not the day it cleared and charges me overdraft fees

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am in the process of getting a mortgage refinanced. 

I have seen my credit reports from Equifax, XXXX and XXXX. 

XXXX  has information that is not true. They clain deliquincy, balnce of credit relative to available credit is too high, number of accounts with deliquency is too high, etc. 

None of that information is accurate. These are all lies.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Debt collection (Credit card) with Weltman, Weinberg & Reis Co., L.P.A. (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was never notified of any kind of debt, any kind of court case, no notification at all from this company. All of a sudden I checked my bank account and my bank account was frozen on a legal hold, never received notice that my bank account was frozen. Will not tell me my case after begging for information, find out a third party company bought " my debt '' and then attempt to call them to get verification of debt, they refuse to give me the verification of debt. They hang up on me, or tell me to call back every time I call to try to get my bank account unfrozen and get verification of debt. My " debt '' is being collected through a third party company called Weltman Weinberg and Reiss. I never received any kind of notification that this would be happening to me, my bank account is still frozen over debt that they will not verify and no one is doing anything to get my account unfrozen, or work with me. I do not understand how this is legal. The company will lie in a court of law and tell a judge that you were delivered paperwork when you were not, and then the judge will make a judgment because they think that you are negligent because you are not there, however you were not served the paperwork! Unbelievable that this is happening. My bank account has been frozen for two weeks and there is nothing that I can do about it. This is completely illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: When NationStar ( " Mr. Cooper '' ) brought my mortgage from XXXX my monthly payment was {$1100.00}. Then they increased it to {$1200.00}. As of today, my monthly is {$1.00}, XXXX, XXXX. I did not know until I sent my regularly payment of {$1.00}, XXXX. They sent me a letter stating that payment went up and I have to send them the difference. I called them. There was an argument telling them I did not receive any notification about payment increasing. The Operator was rude and sarcastic. Next day, I called again. I demanded to speak with supervisor. None of them were available. After a week try, I got a hold on to a lady who told me she was working for escrow. I did explain to her I could not effort to pay the new monthly stating I am the only income in the house and that my wife for the past 6 years she has not been working. She sent me to another department. That lady asked me if I want a modification. I said yes and her replied was a kind of confirmation reply when she said it would be hard them to do my modification. Since two weeks passed I have been calling almost every day to have a word from the designed loan specialist XXXX XXXX or any from financial department that the modification went through. Finally, they told me to send them my pay statement, XXXX, etcetera ( enclosed ) Since XX/XX/XXXX  to XX/XX/XXXX it has been a battle between them and me. Always they are saying they need my 30-day consecutively pay statement or something else. I have seen sending all these information since XX/XX/XXXX.  I keep repeating until I receive another from department demanding a quickly reply about payment. I noticed he did not a thing about XXXX XXXX or the modification process.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (NM).
Issue: Other transaction issues

Complaint: XXXX/XXXX/16 I received a western union transfer from XXXX XXXX NV and tried to transfer the cash to the XXXX prepaid card I had for this type of transaction. I received a notification that the money had been credited to the card but XXXX seconds later western union voided it off the card. I have spent the last 3 weeks trying to get someone from either company to help me. Both companies blame the other. XXXX says they received the money but western union voided it and western union says they sent the money to the card. But I have still no access to it. I have all copies of transaction and even the Representatives from each company claim they can see the issue on the computer system but have to escalate the issue to a higher department each time promising me a call back with in 24-48 hours and I call back 3 days later only to have to start all over and nothing has been escalated at all. I have spent hours calling each corporation and being transferred and told at the end they ca n't help me until it is sent to a mysterious department that I can not speak to directly. The way they have the system set up both companies have to be on a conference call both looking at there seperate screens to see that the money is lost in cyperland. So to be clear I was wired XXXX to western union and when I tried to transfer the money to my wunetspend card it was credited and than voided within XXXX seconds by western union. And since it sells itself as one company it is really 2 companies with different systems and service reps and instead of getting to the bottom of the problem I have been told ot was the other companies fault not theres and I need to contact the other company. But when I do get someone to conference call the other company I am told that they can see i have not received the funds because of some glitch in the system but still can not resolve the issue without contacting another department that I can not talk to nor when I call back that it has been sent to it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Aargon Agency, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a collection letter on XXXX XXXX, 2015 for a delinquent account for XXXX XXXX Membership. My identity and debit card was stolen earlier this year. I was not aware that the person signed up for membership with XXXX XXXX nor have I ever enrolled for membership with XXXX XXXX. This collection company is threatening to put this information on my credit reports and attempting to collect {$210.00} for an account I never authorized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Creditrepair.com Holdings, Inc. (CT).
Issue: Fraud or scam

Complaint: I went to credit repair.com to fix my credir. Ive been paying them for almost a year and at first they were helping and my credit was going up but suddenly my credit dropped down dramastically. I called a lawyer regarsing a different problem and she brought to my attention that creditrepair.com is not actually liscensed in the state of connecticut. Now i would like my money back for misleading me into thinking they were able to help when in fact they didnt and honestly couldnt because they are not liscensed in the state i live. The lawyer that i spoke to has tried to call credit repair and no one has responded or even picked up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Navient has only offered to give me a payment plan which would result in a payment I can not afford on a monthly basis. I 've tried to work with them to reset my debt back to what I took out. They only want a cash offer as a payoff. I pay them {$50.00} a month and my debt increase by {$1000.00} each month. What I owe is almost triple what I borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (Other debt) with Credence Resource Management, LLC (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am disputing account number XXXX with Credence Resource Management since I have mailed quite a few dispute letters to the credit reporting agencies and it comes back verified every single time. They are declaring that I owe {$1900.00} to XXXX on my credit report. I have contacted Credence Resource Management to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices 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 12-10-2016 about Money transfers (International money transfer) with Remitly, Inc. (OR).
Issue: Fraud or scam

Complaint: I sent {$760.00} from my XXXX account to a bank account in XXXX on XX/XX/2016 ( Monday ) using Remitly.com. The funds were to be delivered to the destination bank account by Friday XX/XX/2016. To this day ( XX/XX/2016 ) the funds were not received in XXXX, nor returned to my bank account. Remitly has no idea where the money went, and can not produce any proof that they correctly executed the money transfer from my account to the one in XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (MI).
Issue: Problems when you are unable to pay

Complaint: this company has made several threats of harm to my bodily well being has threatened to beat up my ex husbands boss come to my home and kick the door down tried to break in my garage and i dont even have the vehicle i was just a cosigner on it

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Credit reporting () with TRANSWORLD SYSTEMS INC (AZ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I pulled my XXXX XXXX Credit report on XX/XX/XXXX. I noticed there are XXXX inquiries by the company " Transworld Systems INC / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX '' on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no trades to justify the inquiries. Not only does that bring down my credit score it makes it harder for me to gain employment, I also fear it make be my ex boyfriend trying to locate me, he is a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Deposits and withdrawals

Complaint: I 'm having a problem with Citizens Bank and my account again.They have debited my account for {$64.00} for a XXXX overdraft. I had enough money in the account to cover the items and I also credited the account {$1.00}. When I called the XXXX # the bank representative told me to read my account brochure and hung up on me. Please help me -- this bank will take all the money I have out of my account and I have bills to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Yes I have hard inquiries on my credit report and I have old accounts that shouldn't be on my credit report no more why they haven't been removed

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 12-11-2015 about Debt collection (I do not know) with Navient Solutions, LLC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Student Assist Corp keep calling. I do not have any student loan since not a student for decades. They keep calling by getting my phone from phone directory. They left message to call them back at XXXX. They call two or more times and daily.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (I do not know) with Credit Collections U.S.A., L.L.C. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Been attempting to get this debit verified and find out who this is I have no knowledge of debt. Have sent complaints and disputes along with certified letters to company also with no responses

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 01-10-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NC).
Issue: Money was not available when promised

Complaint: I sent a transaction from one wallet to another on the site. Reference code XXXX. 
The transaction sublitted on XXXX/XXXX/XXXX and was stated to be transferred on XXXX/XXXX/XXXX. 
It is now XXXX/XXXX/XXXX and the item is stuck in pending. 
I have done various other transactions with the same parameters and they have cleared fine. 
I have contacted the company through phone call 4 times and email XXXX and have been promised it will be cleared that day with no response or action after that.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (DE).
Issue: Credit decision / Underwriting

Complaint: I have my current mortgage with PHH Mortgage for the past XXXX years of a XXXX year mortgage at XXXX % ( $ 2210 monthly mortgage payment ). My application for refinance to XXXX % that would have reduced my monthly payment to {$1700.00} was denied for a flimsy reason of " inadequate debt to income ratio ''. This was after repayments of all outstanding issues on my credit as instructed by the company to the tune of almost {$5000.00}. I 've always maintained XXXX income sources XXXX XXXX time and Full Time ) with the following gross income streams from my XXXX positions : XX/XX/XXXX - {$110000.00} XX/XX/XXXX - {$130000.00} XX/XX/XXXX - {$100000.00} XX/XX/XXXX - {$94.00}, XXXX The argument as presented to me was that i changed my full time job XXXX months ago hence any income from there can not be used even though there is no gap in full time or part time employment in the past XXXX years. So they arrived at their " inadequate debt to income ratio '' conclusion using only my part time employment. This is a very odd position that brought me to either of XXXX conclusions : XXXX. The company did not want to change the status quo since i 'm already paying at XXXX %. So there is no incentive to go along with the refinance or. 
XXXX. I fit into a category of borrowers that do not understand how the numbers or financing work. 
I have already spent about {$5000.00} as instructed by the company 's loan originators to settle outstanding issues on my credit. This also did not include the emotional toll that the process have put me through. This is very unfair practice that need to be looked into. Thank you for your time.

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