milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/16/2016 about Prepaid card (Government benefit payment card) with Comerica (NY).
Issue: Fraud or scam

Complaint: Have been using DirectExpress Card to receive XXXX. payments and have read and followed the " fine print '' only to send the pertinent information via U.S. Mail only to receive no response and for DirectExpress to be in breach of their own " terms. '' According to F.B.I. website information on debit cards that have funds deposited to them this constitutes a fraud. 
After making online transaction that the telephone check states the balance has been reflected without a HOLD. The company is stating different from what I have recorded after transaction. The company are " pulling a fast one '' on us benefit receipients.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/26/2016 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They called claiming I owe a debt for lab work. I have not seen the results and my doctor can not get a copy to verify this lab work was done. When I asked for a copy of the bill from the original creditor they stated they do not send any paper work except receipts stating paid in full. They now call several times a day but do not leave messages and when I answer they don ; t say anything. It may be an auto dial or they hang up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Credit card () with STERLING JEWELERS, INC. (NY).
Issue: Sale of account

Complaint: I was told by a Kay Jewelers employee that they have an account that I can order that is " not a credit card and will not affect anything having to do with credit rating agencies. '' I was told that " the credit check is independent of the agencies and will not be shown as an attempt to obtain a line of credit or a credit card. '' I was also told that I will receive XXXX % off my purchase. I did n't receive XXXX % off, was left waiting for 30 min as they approved the card, and was then promptly charged interest on the card. Furthermore, I found out that this card was issued by obtaining a credit report, which I did NOT authorize. When I closed the account, I received a letter stating that the credit agencies will be notified of the closing of the account. This is completely unacceptable as I was misled on several levels.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2017 about Mortgage (Conventional fixed mortgage) with WEBSTER BANK, NATIONAL ASSOCIATION (CT).
Issue: Settlement process and costs

Complaint: Websterbank delayed closing to charge me rate lock extension fees. Assured me for weeks wevwere all set and ready to close but the last 2 weeks before rate lock end came up with all kinds of things needed to verify before closing. Was in contact with their mortgage agent through out the process and he sssured me we would be ok. Said do n't worry about if it ran over he would get the rate extended. One week before closing I received the final closing documents that reflected a rate lock extension charge. Websterbank agent told me to just sign it because if I did n't it could delay closing by 3 days for new paperwork. He would take care of rebating me the charge after closing. After closing no one wanted to talk with me and no one would call me back. I have emails and texts to verify their intensional delays to incur cost for me

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Bank account or service (Savings account) with HSBC NORTH AMERICA HOLDINGS INC. ().
Issue: Account opening, closing, or management

Complaint: I am from the XXXX, and had a savings account in the US with HSBC. I closed the account last XXXX, but only received the cheque for the balance in XXXX this year. It was impossible to contact the bank. It was impossible to get through their automated phone system, as I do not have the items of ID requested ( as I am not a US citizen ). I emailed them, wrote letters and phoned on numerous occasions before finally getting my money 7 months later. No apology, no explanation, and seemingly no reason for the ridiculously long wait for my money. It has been the most frustrating experience, and with no way of contacting anyone of import at the bank itself, I want the world to know how horrendous and incompetent they have been with sorting out this situation. If I could find the name of the chief exec of HSBC America, I would have just written to them, but this seems impossible too, so, I have resorted to this! I would not recommend using this bank to anyone! The levels of frustration - and indeed anger - is incredible, especially as it all seems avoidable. I would love to have an apology from the bank, if not some form or compensation - as I missed 7 months worth of interest on the money they still had ( over {$3000.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
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 requested accounts from XXXX XXXX, XXXX XXXX and XXXX XXXX to be removed from my Equifax report. I sent letters in XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX certified mail. I have no knowledge of these accounts. I requested these accounts be validated, and proof of validation sent to me. I did not receive any validation of these accounts or any letter of investigation in 30 - 45 days. I finally received 2 reply letters stating the accounts were verified/validated. Credit File date : XXXX XXXX, XXXX, Confirmation # XXXX & XXXX File date : XXXX XXXX, XXXX, Confirmation # XXXX. I did not received any proof of validation with these letters as requested. 

I recently received another letter stating the accounts were verified/validated, with no proof of validation with this letter as requested also. XXXX XXXX date : XXXX XXXX, XXXX, Confirmation # XXXX. 

I have a XXXX XXXX on my Equifax credit report and my personal information was compromised also as a part of the recent Equifax Breach situation a few months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX I lost my job. In XX/XX/XXXX I went back to work full time. Over the past 6-8 months I have been trying to work with PNC to get a loan modification and avoid a foreclosure. I have had a very difficult time with PNC. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. PNC always seemed to lose my paper work, which I constantly had to re fax. In XX/XX/XXXX PNC told me I was in underwriting with a complete package. Then in the end of XX/XX/XXXX, right in the middle of the holidays PNC asked for more documents. Which were the same ones I already sent. PNC 'S modification department is beyond dysfunctional. Then in XX/XX/XXXX PNC stated that I needed to resubmit and start all over. I then began to resubmit the modification and go through the dysfunctional system again. So now in XX/XX/XXXX when I had a confirmed complete package PNC said there is not " enough time '' because of a sale date on XX/XX/XXXX. Completely backed doored by PNC. I am now facing a bankruptcy and a foreclosure because of the dysfunctional train wreck that is PNC modification dept.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Credit reporting () with Experian Information Solutions Inc. (DE).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX XXXX SERVICING IS REPORTING AN ACCOUNT ON EXPERIAN CREDIT REPORT indicating that a mortagage was paid for and never late. This data was disputed with EXPERIAN without validation as per FDCPA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I called 3 credit bureaus to remove negative report from my public record but they didnt respond me it shoes bankruptcy on my public recort on my credit report back in 2014 they told me they gon na remove it becouse is too old not current and need to be removed please help me to remove im trying to by a house its hurting me cant go forward to grow up 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 explanation
Consumer complaint received 10-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I contacted XXXX XXXX to request proof of validation regarding to the account # XXXX. The furnisher was unable to locate anything related to the account due to the fact that it was never late. According to them, XXXX XXXX could not find any validations or information on their files pertaining to this account. I do n't quite understand why the bureaus continue to verify these late payments, when in fact they were never validated by the original creditor. According to section 623 of the FCRA, the CRA 's are required to remove this account from my credit report due to the fact that it 's not accurately reported. In addition, pursuant to regulation Z, TILA, and the Credit Billing Act, set forth CRA is required to cease and decease all negative reporting including the late payments. In accordance with section 611 of the FCRA, all of the parties involved are required to comply accordingly

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 08/19/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: This is a formal notice of dispute regarding information that Bank of America sent to XXXX, a consumer reporting agency. 

The following false information was sent to XXXX : XXXX XXXX, 2014 Suspected Fraud ActivityThis information was disputed with XXXX on XXXX of 2014 ; however, Bank of America verified the information as accurate. This falsely reported information damages my financial reputation and should be removed immediately. 
Bank of America report account suspected fraud when in fact, no fraud took place. There was no illegal activity on the account. 

Bank of America did not experience any financial loss and no money is owed on this account. There was no violation of the account agreement that governed the account. 

Under my rights under the Fair and Accurate Credit Transactions Act, I am asking for an investigation of this reported information, and removal of the false information reported to XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (IL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We were offered a home loan modification  by Ditech. W e 've been waiting for the paperwork from them for 4 months. Every time we call to ask when we are going to get the paperwork they make up some excuse saying there is a glitch in the system that needs to be fixed. We have been making our payments and yet they reported that we have n't been and ou r credit score i s down to  XXXX . Now no other mortgage company will refinance us because of our  credit score and Ditech  wo n't update our records so we are stuck and do n't know what to do. They wo n't send us the paperwork to finish our modification and wo n't fix our  credit score  and update our records that we have been making our payments. We are stuck.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MS).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: PLEASE HELP ME!!!! NAVIENT/XXXX HAVE LIED TO ME, TRICKED ME ABOUT INFORMATION REGARDING MY STUDENT LOANS. THEY SAID THEY DID NOT RECEIVE MY PAYMENTS AND WHICH THEY INTENTIONLY CAUSED MY LOANS TO DEFAULT. THEY SENT A GARNISHMENT WITHOUT TRYING TO CONTACT ME REGARDING THESE ISSUES AND CALLED MY JOB TO TRY AND EXPEDITE THE GARNISHMENT WITHIN A 10 DAY PERIOD. I DO NOT TRUST THESE PEOPLE AND UNDERSTAND THEY ARE BEING SUED FOR THESE REASONS. THEY ARE VIOLATING THE LAWS IN EVERYWAY POSSILBE. I TOLD THEM NOT TO CALL MY JOB AND THEY CALL ANYWAY. I TOLD THEM THAT I WAS GOING TO REPORT THEM SO THEY GOT MADE AND STARTED CALLING ASKING FOR THE HUMAN RESOURSE DEPARTMENT AND THEY TOLD THEM TO SEND WHATEVER THEY WANTED IN WRITING TO THEM. THEY TOLD ME THE GARNISHMENT WOULD GO AWAY ONLY IF I CONSOLIDATED ALL OF MY LOANS WITH THEM WHICH ALREADY SHOWS ON THE NATIONAL STUDENT DATA REPORTS THAT THEY THEMSELVES HAVE CONSOLIDATED ALL OF MY LOANS WITHOUT MY PERMISSION. I DO NOT TRUST THEM AND CAN CHOOSE TO CONSOLIDATE MY LOANS WITH OTHER LOAN SERVERS OR WITH THE BANKS. 
PLEASE REPORT THIS COMPANY BECAUSE THEIR CUSTOMER SERVICE REPS TAKES THINGS PERSONAL WHEN SPEAKING TO THEM AND WILL TRY TO MY THREATS TO YOU WHEN YOU TRY TO DEFEND OR DISCUSS YOUR LOANS BY TRYING TO MAKE THE NECESSARY PAYMENT ARRANGEMENTS. I KNOW MY RIGHTS AND I KNOW THAT THERE ARE MORE OPTIONS AVAILABLE. PLEASE REPORT THEM AS FRAUD AS THEY HAVE ALSO SUBMITTED A GARNISHMENT TO MY EMPLOYER BUT THEY ALSO HAVE REPORTED TO THE DEPARTMENT OF TREASURY TO OFFSET MY INCOME TAXES WHEN I FILE THIS YEAR ( HOW?? ) WHEN THEY DID NOT TRY TO ALLOW ME TO MAKE PAYMENT ARRANGEMENTS WITH THEM AT ALL!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (FL).
Issue: Money was not available when promised

Complaint: I feel th at western union should be held accountable for the large fees they charge for money transfers in minutes, when in fact it can take 2 hours for it to complete. Money in Minutes is misleading. I h ave had  XXXX  transactions in the pa st 2 weeks that have had a 2 hour review process. My banking info and card I am using match my western union profile. The person I am sending money to is my h usband.   I contact ed Western Union about both m y transfers.      XXXX  transaction was on  XXXX / XXXX / 17  in the amount of  XXXX  in which I was charged  XXXX  for money in minutes. I contacted them to find out why my money transfer was in review, I was told he just needed to go to a person with his ID and not one of their Kiosks. However the email did not state that. At this time it was to late for me to go to  XXXX   XXXX  since the funds had already been removed from my account.      XXXX  time was today  XXXX  in which I was sending my husband  XXXX  in which I was charged  XXXX  for transfer in minutes. After initiating I got an alert to call them to expedite the process or I could wait. I called and spoke to a woman at about  XXXX   XXXX  est. She asked me questions like, why I was sending it, where, and my relation to the receiver. At the end she said I will get an email with in 5 min and  that the transfer will be ready for pickup in which this time he could go to a person or Kiosk It is  XXXX    XXXX   est time and the transfer is still in progress under review. I called and spoke to a gentleman and he told me the review t akes 2 hours an d I would have to wait.     This was a domestic transfer as well.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit card () with CITIBANK, N.A. (WI).
Issue: Billing disputes

Complaint: Citicards has FAILED to return a {$100.00} disputed charge which they owe me and their customer service, especially a " XXXX '' that works in the dispute department is utterly incompetent and laughs at the customer BEING right. This credit card company, as well as all the others across the USA, are clumsy fools at best.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/27/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (NY).
Issue: Other service problem

Complaint: As a qualified entrant in the XXXX Western Union {$1.00} Million Giveaway, I am complaining about : 1. The issue of non-payment of the grand prize to the reported winner, XXXX XXXX by Western Union based on attached documentation.
2. The issue of non-receipt of grand prize by reported winner, XXXX XXXX, from Western Union.
3.The issue of non-selection of alternate winner to receive grand prize by Western Union .
I am therefore requesting Western Union to resolve my complaint by providing documentation regarding the award of the prize of the XXXX Western Union in a similar manner like the announcement Western Union made on XX/XX/XXXX regarding a similar sweepstakes namely " Win a Mother 's Day 's Dream '' sweepstakes which I have attached as part of my complaint. I am also requesting Western Union to select me as an alternate winner since I was a qualified entrant in the event further action is warranted.
The name of the reported winner of the XXXX Western Union Sweepstakes, XXXX XXXX appears to be fictitious as shown by the attached documentation sent to me by Western Union. The city and state of XXXX XXXX was not reported. In fact, no indication XXXX XXXX was awarded the grand prize.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I want Full Validation on my student loans. I want to know how much is owed, where was the money applied to and why are there extra charges added.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The credit bureau is incorrectly reporting a " XXXX XXXX '' account on my credit report. According to my credit, it was opened in XXXX XXXX for a debt of {$1300.00}. The account number is : " XXXX ''. I have never had any business dealings with this collection company. I do n't know who they are or why the credit bureau is reporting that I have a debt with them. This is not the first time I have disputed this account, I have sent written disputes on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to get this removed but time after time, the credit bureau has dismissed my disputes as frivolous and they refuse to remove this from my credit. I want to add that XXXX has no record of this account. When I sent the same dispute, it was confirmed that the account did not belong to me and was promptly deleted. How can there be a different result for the same investigation between XXXX and this credit bureau? This does not make sense. This is why I am taking my complaint to the Consumer Financial Protection Bureau.

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 05-12-2017 about Mortgage (FHA mortgage) with CARDINAL FINANCIAL COMPANY (CA).
Issue: Trouble during payment process

Complaint: My mortgage payment is {$2400.00}. It includes a {$160.00} MI payment. The MI amount will never fluctuate. My account is not impounded for taxes or insurance. Every month I pay {$2500.00} which calculates to {$70.00} in principal reduction. Repeatedly,  Cardinal Financial  applies the {$70.00} to my escrow account. I have called them and sent them messages through their message center. They have corrected the problem but they have not back dated my payments. As you know, on a mortgage, interest compounds daily. If my payments are never applied on the date in which they are originally received and my principal reduction funds are not posted when received, over the course of my 30 year mortgage  Cardinal Financial  would have stolen money from me by way of charging/collecting interest they have not earned. A very clear UDAAP violation. Please help me in resolving this problem. Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Student loan (Non-federal student loan) with KEYCORP (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I attended XXXX University, graduating in XXXX XXXX. I have been making auto payments on my loan for the past 7 years and am in good standing. My interest rates are currently set at variable rates of XXXX % and XXXX % for XXXX different loans. Based off the interest rate, life of loan, and principal balance, I would think my monthly payment should be approximately {$450.00} ; however, I am paying $ XXXX monthly. When I called to inquire as to why I am paying so much more per month, I was told it is because of the variable interest rate. I consider this explanation inadequate and fear that I am paying more than required yet not paying off my loan any faster. Furthermore, XXXX advertises " help '' to get a lower monthly payment. I called to see if I could have a lower monthly payment, even if that meant extending the life of my loan, and I received no help. I was basically told I have no other repayment options because I am past the 18 month period since the start of loan repayment in XXXX XX/XX/XXXX. Based off the remaining principle, current interest rates, and my monthly payments, I calculate that I should have my loan paid off in XX/XX/XXXX versus my repayment schedule says repayment is XX/XX/XXXX. How do I know if this is correct? The answers provided by Great Lakes have not helped me understand my loan or repayment plan. I feel that Great Lakes servicing is deceptive in their marketing of lowering repayment options, misleading in how my monthly payment is determined, and unwilling to work with me, a borrower in good standing. Lastly, they do not have clear documentation on mygreatlakes.org of my entire payment history, interest rate changes, and information regarding my interest rate ( e.g., I can not find information as to whether my variable rates have a cap ).

Company response to consumer: Closed with explanation