milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2016 about Bank account or service (Checking account) with U.S. BANCORP (MN).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/16 I leveraged US Bank 's website to re-order checks for my account. It sent me to an associated 3rd party vendor, which was authorized to print, mail, and charge for check orders. This 3rd party is called XXXX XXXX XXXX , XXXX. 
I went through their process to design and order my checks, in doing so I was provided information that illustrated that my order had a Discount. This discount matched the subtotal for my order through the process. At order confirmation, it was still illustrating to me that my Order Total was {$0.00}. As such, I thought I was ordering my checks and authorizing them to not charge me a fee, as that is what was presented. Then on XXXX/XXXX/16 I saw a " Check Printing Charge '' for {$54.00} taken from my account. On XXXX/XXXX/16, I filed a inquiry to XXXX to clarify what had happened and to ask for a refund. On XXXX/XXXX/16 I received this response : I 'm sorry if the fee was n't displayed before you submitted the order. I will certainly research if this is an issue on our end or deluxe. You may return the checks to your nearest branch at usbank.com/locations. In the future, you may call us anytime at XXXX to ensure there is n't a fee. 
I replied with attachments that illustrated " Discount '' and authorized total of {$0.00}. Then I received this response : Thank you for your reply. This why I suggested for you to visit the nearest branch, so you can return the checks and they 'll have the fee refunded to you. 
I do not understand why, if I was presented {$0.00} for my order, and that is what I authorized why I was billed {$54.00}. In addition, I do not understand why US Banks customer service wants me to return the checks to be refunded.

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 05/26/2017 about Mortgage (FHA mortgage) with Fay Servicing, LLC (GA).
Issue: Struggling to pay mortgage

Complaint: Fay Servicing is  threatening me with a foreclosure sale date on   XXXX   XXXX  , even though this is a government insured FHA loan with multiple options for resolution. They have failed to conduct a review of my current financial circumstances, they have failed to assign a single point of contact and they have failed to offer the option of  Occupied Conveyance.  They have failed to abide by the FHA guidelines by refusing to review our current financial information and considering us for modification, partial claim, special forbearance or even a repayment plan. Instead  Fay Servicing  has served as judge, jury and executioner and moved to restrict our options so they can repossess our home. This is an avoidable foreclosure. We make sufficient income to afford our mortgage payment, the issue is addressing the missed payments when I was sick and unable to work. But  F  ay Servicing does n ot seem to care. This is not acceptable, this is not right and this is not legal!!     We purchased this home just a few years agowe were married in the backyard!! I live here with my wife and our  XXXX  daughter. My problems began when I became afflicted with a   XXXX   XXXX   XXXX   and was unable to work. I applied for  XXXX  assistance and eventually was approved but this was much lower than my normal pay. When I went back to work, I was soon out again due to  XXXX   XXXX   XXXX . During this period I began missing mortgage payments and tried to apply for help to resolve this matter. I could not make any progress, and the loan ended up getting transferred. For a period of two years I continued trying to apply for help -- -I was making payments as I could, which Fay Servicing accepted. At  one  point in time we were told that we had been approved for a modification. However, we never received any paperwork, and despite multiple attempts to follow up with their loss mitigation department, never got anything in writing.     As we sit facing foreclosure, I am back working full time as is my wife. Additionally, we have an   XXXX    daughter and receive a stipend from the government for her care. We have MORE than enough income to afford a fair and reasonable payment. However, the only option that is being offered is to repay all missed payments all at once. I cant reinstate the loan in  one  lump sum. But I CAN afford my mortgage payment, if Fay Servicing would give me the chance to be considered for the government programs that are available for FHA homeowners.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I checked my credit report recently and I keep seeing a debt from paypal credit card on my report at all XXXX bureaus the charges were fraudulent and the balance is not mine fees interest etc seems to have been added for charges I do n't owe. I received a XXXX form from IRS stating that I was required to report this old item as income I did just that because I do n't play around with IRS now every month this nightmare item that was fraudulent to start with is being reported as a new and current debt I claimed it on taxes against my own will and now this this is fraud unfair and I want an investigation immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian has not even tried to investigate my identity theft, I have given them the names of the fradulent accounts yet they keep sending me a letter saying I did not provide them with enough information, the other XXXX credit agencies actually investigated and removed the negative items Experian refused to investigate. Is it not the law to investigate identity theft accusations to make sure the information is accurate. Experian 's investigation department is little to non existent apparently and the FCRA has been violated.

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 09/21/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Specialized Loan Servicing was not able to provide a mortgage assignment to enable me to refinance within 2 months. Despite daily phone calls, when the company representatives promised to get a status update, the company never gave me an update. Eventually my rate lock was set to expire and I was forced to act without the assignment resulting in my having to pay the mortgage tax on the full amount of my refinance which cost me {$5000.00}. 
In addition I had set up automatic loan payments which they stopped taking without instruction from me or explanation.

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 04/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind on my mortgage after my payment increased from {$1800.00} per month to {$2400.00} per month. Basically I am on a fixed income. My loan is serviced by SPS and the owner/investor of my loan is XXXX XXXX. I was denied for a loan modification on XXXX/XXXX/2015 by SPS for HAMP 1 ( Denial letter attached ). The reason given was due to " excessive forbearance ''. However my attorney ran the exact same numbers given to me on my denial letter through the Making Home Affordable web site and it came back Positive NPV ( See attached copy of NPV ran ). My attorney states, I qualify for HAMP 1 and there is no reason they should not be approving me for HAMP 1. That SPS is acting as a co-conspirator for XXXX XXXX in BLOCKING/EVADING approving me for HAMP 1 on purpose. After my initial denial that had a false reason for denial, I re-applied again twice. Both times SPS denied me for HAMP 1 stating " Investor/Guarantor Not Participating '' and " HAMP-PSA RESTRICTION ''. So the first time they acted like they reviewed me for HAMP 1 and I did n't qualify. The next two times, they say the investor is not participating. I looked up online with the XXXX web site and it says ... '' If a PSA contains such a restriction ( HAMP PSA RESTRICTION ), the servicer MUST make " reasonable efforts '' to get the investor to waive the restriction. I do not believe SPS has made any effort to get XXXX XXXX to waive the restriction. My attorney states XXXX XXXX IS participating in HAMP 1. Bottom line is that I qualify for HAMP 1. XXXX XXXX is participating in HAMP 1. SPS is acting as a " bad actor '', " Co-conspirator '' in blocking/evading approving me for HAMP 1.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit reporting () with Credit Karma, Inc. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I 'm not able to obtain a credit report ; I keep getting a message that says my information does n't match.

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 07-08-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My account was recently sold to XXXX XXXX XXXX, I have received multiple calls a day since. They contacted me today while I was at my work place and the collector claimed that my account had not yet been reported to the Credit Bureau and said if I could n't meet an agreement a state attorney would be contacted. He offered me an interest free plan which will freeze my account, and then asked for account/routing and card numbers. When I was uneasy and asked if it could be done at a later time or online the collector got agitated and adamant that it had to be done over the phone in order to meet the agreement. I then said that I did n't feel comfortable doing it at work and he tried to offer to change the agreement in my favor as long as I gave him my card information. 

After I finished the call, I found out they had called the day previous at my job when I was off to contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2017 about Bank account or service (Other bank product/service) with DISCOVER BANK (MN).
Issue: Account opening, closing, or management

Complaint: I would Like to attached a copy of a police to Discover card inference to account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Transunion has not removed 2 inquires from XXXX XXXX after being given documentation from XXXX to remove inquires not authorized.

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 09/22/2017 about Debt collection (Credit card debt) with CNG HOLDINGS INC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The main complaint is that this company is, has and will continue to use deceptive and misleading practices to collect debt in the State of Georgia, they do not have a certificate of authority to do business in the State of Georgia. Additionally, they are using their deceptive and fraudulent practices to negative impact the credit reports and scores of the consumers it interacts with. 

The company is not authorized to do business in Georgia, but fraudulently collected monies from me and continues to report erroneous, inaccurate and negative information to the credit bureaus. Consequently, I have been negatively impacted, denied credit and suffered harm.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (IL).
Issue: Account opening, closing, or management

Complaint: This is a follow up from a complaint against US Bank from XXXX XXXX, 2016. I went in to the local office on XXXX XXXX, 2016 to close the account. I spoke with the Vice President XXXX XXXX. XXXX XXXX had no idea how to close the account and spent 90 minutes on the phone with her corporate office to try and figure it out. She stated a check would be cut to me that day and mailed. Today is XXXX XXXX, 2016 and I have not received a check. She has not responded to an email on XXXX XXXX, 2016 or a phone call today.

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 06-07-2017 about Debt collection (Medical debt) with Frost-Arnett Company (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I paid this debt before I got it properly verified. After I paid the debt, I wanted to make sure none of my rights were being violated. I am concerned that m y HIPAA rights  have been violated. The original creditor of this debt is  XXXX   XXXX . I a sked for verification for this debt ALONG with my consent to release this debt. Frost Arnett sent me a complete itemized statement with my cpt codes concerning some very private tests that I '' ve had. This is a very d elicate situation for me and I do not want my files sent to anyone and any company without my permission. Although they sent the statement, they failed to send me any documents that allowed them to have possession of my personal belongings. Thinking that maybe this was a mistake on their end, I sent a letter on  XX/XX/2017    for the verification AND proof of consent of the release of my documents and I have a receipt that shows they received it o n the 3rd. This time I heard nothing back from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I dispute this debt belongs to me so I repeatedly requested validation. I received no documentation in response to my requests so I called XXXX XXXX via telephone and they confirmed they have no documents whatsoever. As there is no evidence of this debt at all, the trade line should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Bull City Financial Solutions, Inc (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I saw on my credit report a derogatory mark for a place called Bull City Financial. They then told me i owe money for a bill at an address i never lived in. I then told the debt collectors to remove the debt from my credit because it is not mine. i sent them the proper information to prove that it was not mine. I had the person who was responsible for the bill ( my father, we have the same name ) tell them it was his bill, they still said i am responsible for it. Now upon telling them numerous of times i have sent the the proper paper work to prove it is not mine they still keep telling me it will remain on my credit report until it is paid. If it was my bill i wont have any problem paying for it, but unfortunately for them it is not mine. My credit is getting lower and lower because of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Mortgage (Conventional fixed mortgage) with Selene Finance LP (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I used to be with XXXX XXXX but they sold me to Selene Finance several months ago. I have never been late on a payment and have never received calls about payments until they took over. The first 2 months I sent the payment around the XXXX of the month through my banks online bill pay. Both months they called ( usually by the XXXX or XXXX day of the month ) claiming to not have gotten the payment. Then when I came back at them they reluctantly admitted " oh wait, we do have it but it has n't been posted ''. So I started sending it on the XXXX of the month ( again, XXXX online bill pay ) which worked the first month but today I received another call from them! I have read many complaints about them pretty much saying the same thing. It is so very frustrating to know I 've paid - even way early - and still get a call every month harrassing me and telling me they havent received it. What can I do? Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with International Computer Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a collection notice from FCS First Collection Services for XXXX ( XXXX ) for {$260.00}. I have n't been operating my business for the last 3 years. I regularly advertised with XXXX XXXX while I had my business and paid that bill monthly. I never advertised with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Capio Partners, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company has an unknown item listed against me. I have disputed with no response back from them. I have no idea what this is and there is always something listed which does n't belong to me. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Our billing statement for the period closing XXXX XXXX, 2017 states our Blue Cash Rewards balance as {$89.00}. That figure appears prominently on the very first page, in the upper right corner. It is the very first figure we see when we open the bill. However when we tried to redeem those rewards, we were told we could only redeem {$25.00}. Rewards can be redeemed in increments of {$25.00}, so we should be able to redeem {$75.00} of the {$89.00}. We called AmEx on XX/XX/XXXX to ask why our redemption was so limited. AmEx did not say the {$89.00} was a typo or other mistake. AmEx said it was because that 's how much we had on XX/XX/XXXX, then we redeemed {$50.00} on XX/XX/XXXX. We asked why that redemption had not been subtracted from the displayed Blue Cash Rewards balance on the statement issued nearly a month later, on XX/XX/XXXX. AmEx told us " it takes more than one billing cycle to post. '' That contradicts the XX/XX/XXXX billing statement, because the {$50.00} redemption listed as a credit on page 3. So clearly it had already posted, just like the numerous XXXX XXXX charges through XX/XX/XXXX.  AmEx expects us to pay. So we asked AmEx to honor the {$89.00} balance displayed on our statement, and allow us to redeem {$75.00} of it. AmEx refused to honor the balance printed on our statement. Its insistence on publishing a high cash rewards balance then refusing to allow redemption based on that amount is confusing at best, and deliberately deceptive at worst.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Advertising and marketing

Complaint: When I applied for a Wal-Mart credit card they told me that if I spend {$75.00} " today '' I will get {$25.00} dollars of my purchase. I spent {$88.00} and they did n't subtract the {$25.00}. They told me that I was supposed to spend it all at once for them to subtract the {$25.00}, yet they did not tell me this when I applied for the credit card. I am very upset and very dissatisfied with the service that I received. I feel that they fooled me into applying for a credit card. I need them to refund me the {$25.00} right away or I will be taking legal action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-05-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: For years I have struggled with Navient. I 've had to pay monthly, at least {$600.00}, while I was in school. I recently took a year off of my graduate studies and moved to another city to support my younger brother with his living expenses through college. The payments to Navient have risen so incredibly high that there is no realistic way for me to pay them, my rent, bills and other necessities. They asked me to pay about {$1100.00} per month. I also have an elderly Cosigner, who is of no relation to me, just an old family friend, and he has absolutely no intention of paying for my loan for me. His credit was the only thing that would allow me to get into my XXXX school. I was never offered a chance or program to release my Cosigner. Recently, when I asked, due to the recent legal issues that have arisen against Navient, they only gave me two ultimatums. Either pay off the entire, approx, {$120000.00} or pay {$1100.00} for 12 months on auto pay without fail. I had just given Navient all of my income information, and based on the numbers they could clearly see I could n't afford that. They also requested the Cosigner 's credit and income information. He does n't want to have anything to with my payments and does n't wish to give the information to them. 
Since XX/XX/2011 I 've had to deal with Navient and through their rude and unhelpful customer service, ultimatum deals and negotiations, incessant phone calls and absolute lack of organization, I 've struggled to make end 's meet. They would call automatically, and blame it on the computer programming, myself, my cosigner ( who is an incredibly busy man ) and my parents at number of times called reaching as high as 15 times in one day to a phone call every 10-15 minutes ; with each call from a different phone number, while I 'm working. I 'm afraid to pick up the phone anymore. When I do pick up the phone call, customer service can barely help you and they just want to collect money and get you off of the phone as fast as possible.

Company response to consumer: Closed with explanation