milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/31/2017 about Mortgage (Conventional home mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (PA).
Issue: Struggling to pay mortgage

Complaint: Recently received a response from lender regarding an application for a workout option to keep my home. I was only given an option to sell. I did not get a response for any other workout options nor did they give me the reason why I was denied for the other options. This notice was mailed out to me after a month from the date of the letter. I did not have any rights to appeal either. My current rate is over 8 %.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NV).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I applied for the XXXX XXXX issued by Barclays online on approximately XXXX XXXX, XXXX. My account was issued and opened on XXXX/XXXX/XXXX. Based on the information advertised online I was to receive XXXX bonus points after spending {$1000.00} on credit card charges within the first 90 days of the card being issued. I only received XXXX bonus points. I have made two calls to customer service this past week and was informed I will only receive XXXX. I stated to the reps. that is not the program and benefits being advertised on the XXXX/Barclays credit card site and the company is deceiving customers. None of the reps have been able to rectify the issue. I called on XXXX, XXXX XXXX, XXXX and XXXX, XXXX XXXX, XXXX. I was transferred to various reps who said they could help me and to no avail. On XXXX XXXX, XXXX, I was transferred to a manager who said she would call me back and no return phone call. 

The second reason I applied for the XXXX card was the advertised interest rates. The lowest interest rate was advertised at 12.99 %, 20.99 and last tier 25.99 %. I have excellent credit anywhere from XXXX to XXXX 's credit score. I was issued 20.99 % interest. After calling back after receiving card, I was never given a reason why I was issued 20.99 % interest rate given my great credit score. No rep would give me a diffinitve reason of my interest rate. Only, well your a new customer! 

Please research Barclays and put a stop to false advertising for this credit card!

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 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Navient is reporting all my loans as past due. They refuse to correct it. My loans were in deferment for years. I consolidated the loans with another company in which I pay now. I have XXXX loans, they are reporting XXXX loans and all past due which is not correct. I have never been late on my loans. It has ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Student loan (Federal student loan servicing) with ACS Education Services (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My husband and I have a Parent plus loan dating back about 10 yrs, originated with XXXX and now with ACS. Payments have always been made by mail. the past several years as our XXXX children graduated and money became more available to us, I made larger payments. I began to notice my statements were not coming monthly. I set up a on-line account and realized there were quite a few statements with 3 month lapses and sums of extra payments that were applied to interest and not the principal. I notified ACS by phone which requires a few auto dials and time. I instructed them that I would like to receive monthly statements even when I overpay in order that we could receive the benefit of paying ahead. I was informed that it could not be changed at this time but I would have to wait until another payment was made and I would have to call back when the next payment was being processed. Regarding the extra balance paid ahead, some of the money was applied toward the interest that accrued over the months that ACS did not send me any statements, making it look like they had been taking what I thought would be coming off my principal and instead using it to pay unpaid 2-3 months of interest. My husband and I have paid off many loans over the years, and never have I seen anything that resembled this. If I pay ahead on the principal, I always continue to get a monthly statement that updates me and allows me to budget. This, being a student loan at 7.25 % interest, which we have never been negligent on, should be much easier and user friendly. Our option is to attempt to contact ACS at the right time to change to monthly billing or take money from a retirement 401k and pay the XXXX XXXX balance off. Also, does not make up for the money lost when we thought our extra payment was being applied to our principal, and we did not realize that a statement had not come that month ; we had actually gone a month or at times 2 months without making a payment. At times it looks like our entire extra payment went to the principal ; I always write on the return slip to '' apply to principal. '' At other times it was going to interest which I have now found out was because no payment had been made for 2-3 mo., again related to no monthly statements.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: It shows that I opened a line of care credit when I never did. I do n't know who or where this came from!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2017 about Credit card () with Continental Finance Company, LLC (FL).
Issue: Other

Complaint: This company verve card has been charging me for a credit card account that I had closed a long time ago for fraud and the high interest rate they were charging me. they are reporting a negative in my credit profile and i am a XXXX veteran that doesnt play with my credit rating. I had some hardtimes and at present, I am trying to get back on my feet and this company is taking advantage of me. This company is a fraud and they charged me {$100.00} before I had the card ad they said that they would of reimbursed it to me and they never did. So you see they are horrible and taking advantages of people.

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 08/31/2016 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: ECMC is reporting a collection on my credit report for a student loan where there were no payments due while I was in school. When I got out of school and the payments came due the account was sold to XXXX XXXX XXXX and I started making payments. I started my payment plan with XXXX XXXX XXXX and have never missed a payment with them in approximately 3 years. XXXX XXXX XXXX is reporting the student loan on my credit report. How can they report something that the payment was not due and is a duplicate?

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 08/20/2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Advertising and marketing

Complaint: American express makes it so difficult to file a warranty claim now. I filed a claim for a {$21.00} wrist watch that was damaged and per their warranty policy they replace any damaged item within 30 days. They required me to fill out an exhaustive amount of forms and also requested information that is no business of theirs like my home owners insurance policy number. I have been a loyal customer for more years than I can count. No more. I believe they are unfair and deceptive in their descriptions of benefits to card holders. Please investigate the for fraud and unfair and deceptive practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/24/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (AL).
Issue: Unauthorized transactions/trans. issues

Complaint: I am XXXX of the XXXX effected by the rushcard scam or whatever happened that they took everyone 's money for 2 weeks and my account was messed up and caused bills to pile up and bills to bounce and I have late fees and missing money from my direct deposit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/23/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I graduated from college two years ago with a degree in XXXX XXXX with the hopes of becoming a XXXX. However, because of difficulties with the credentialing process and the state, I graduated with {$120000.00} in student loan debt ( that XXXX XXXX easily supplied to me ) but no teaching credential. So after some rough times I have finally found a steady job working full-time in XXXX at $ XXXX ( rather high for XXXX ). But now after several deferments and forbearance, Navient ( who XXXX XXXX sold my loan to ) has come asking for their money back, now totaling {$130000.00} and are asking for roughly $ XXXX, which is roughly half my paycheck. And I live in XXXX, which already requires a high rent and cost of living, and moving home is n't really an option for me because I am from the XXXX XXXX. 

I 've called Navient several times to try and find a way to extend the term of my loan, renegotiate payments, consolidate all my loans, and see just about any option they have of lowering my monthly payments. But because my loan originally comes from XXXX XXXX, they always say the only option I have is forbearance, which I am running out of. I would like to save some forbearance in case a time comes that I lose all of my income or something drastic happens. After pleading with them they have given me no options. My parents ca n't afford to help me pay that much every month. 

So the only optioned I thought of was to refinance with another bank that would be able to lower my payments. Well, because I have such a high debt to income ratio, no bank will approve a refinance loan. My credit is good. I have a couple missed payments but nothing too major. But I see no way of increasing my income or cutting my costs to the extent of being able to drastically alter my debt ratio to the " acceptable '' point for the banks. And still, after all of this, Navient wo n't negotiate my loans. It has come to the point that I have thought about just not paying my loans back and suffering the consequences, which I would fully do if my mother were n't the cosigner on my loan meaning that defaulting would also wreck her credit. But now I feel like I have no other options left unless it 's taking on odd jobs such as selling XXXX or renting our couch out on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Debt collection (Other debt) with Eagle Recovery Associates, Inc. (OK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I received a statement from Eagle Recovery Associates , Inc., dated XX/XX/2018, directed to a last name I went by almost ten years ago. I contacted the agency to clear up the confusion and let them know it is most likely and error or possibly ID theft because it has happened to me before. The debt they stated I owed was for XXXX XXXX XXXX set up in IL but I've never lived in IL. They were able to pull up records that supported I live in OK and go by a different name. After being on the phone with them for 40 minutes they still would not remove me from owing this debt. I asked them what I can do and they said we will have several long conversations to get to the bottom of what happened and find the common denominator. During this time they looked me up in depth using their resources and continued to go over my previous addresses, supposed acquaintances, and information about my ex husband. They would ask who certain people were and I would tell them I don't know, but I t was apparent they did not believe me because they would ask the same question again multiple times in a rude demeaning tone. This is troubling to me considering I'm not the person who set up this fraudulent account, I do not feel it's my responsibility to get to the bottom of how they let this fraud happen. The individual ended the call stating they needed to do more research and would call me back. Once off the phone with them I contacted the company who they claimed they were collecting the debt for. That company said they have no record of an account under my name or social going back 10-12 years. At this point, I believe there is a fraudulent act of attempting to collect superficial debts by Eagle Recovery or they are attempting to collect from the wrong person they found online and their practices of doing so border harassment and defamation. My goal with filing this complaint is so that their practices can be reviewed to ensure they are treating people honestly and fairly. In addition, I would like to have my information removed from this collection attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX  University hired   XXXX   XXXX   XXXX   to collect a student loan. I am not aware of the amount due to the fact all my student loans are in deferment and if this is a student loan from  XXXX , it should also be deferred with my other student loans. I have reached out to   XXXX   XXXX   XXXX   on  XXXX   XXXX  and  XXXX  of this year. They have failed to respond to my second letter. Please see letters attached. I have also disputed this matter with Equifax. They claim they do not see a dispute for this account, but have a note on the account stating UNDER INVESTIGATION, which has been that way since   XXXX   XXXX   XXXX    . Please see attached document

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted Equifax with regards to an unknown collection account # XXXX reporting on my credit file. This company is unknown to me and this debt do not belong to me. I have informed Equifax that I had been a victim of identity them and they continue to ignore my request to remove this account from my credit file. I need your assistance in getting this matter resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STERLING JEWELERS, INC. (KY).
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: On XX/XX/XXXX I disputed my credit report which contained information being reported by Kay Jewelers. 

I mailed a certified dispute letter to Kay Jewelers requesting validation of the account being reported by XXXX, XXXX, and XXXX. 

I received a response on XX/XX/XXXX stating : " All account information and documentation was transferred to XXXX XXXX, XXXX and any questions or concerns regrading the account should be directed there '' Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Kay Jewelers, is required by federal law to verify through the physical verification of the original signed certified consumer contract of all accounts you request to be posted and or reported on a credit report. They have failed to do validate the account, due to lack of paperwork. 

The Three credit bureaus have failed to protect me under the Fair Credit Reporting Act. After disputing this with all three as well, they continue to report on an account that ca n't be verified. 

Kay Jewelers has violated my rights under Section 623 ( a ) ( 2 ) of the FCRA. This section addresses the duty to  correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The unvalidated items listed on my credit report in violation of Federal Law [ 15 U.S.C Section 1681 ]. This company is required under the FCRA to have a copy of the original creditor 's documentation of file to validate that this information is mine and is correct. In the results their first investigation, they stated in writing that they " verified '' that these items are being " reported correctly ''. Who verified these accounts with valid proof? They have NOT provided me a copy of ANY original documentation ( a Consumer contract with my wet live signature on it ), as required under Federal law. Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " ... .promptly DELETE all information which can not be verified. '' Under the Administrative Enforcement [ 15 U.S.C. Section 1681s ], the law is very clear to remedy the Civil Liability for willful noncompliance [ 15 U.S.C. Section 1681n ], Civil Liability for Negligent Compliance [ 15 U.S.C. Section 1681o ] and Obtaining Information Under False Pretenses [ 15 U.S.C. 1681q ] if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts to be validated or deleted immediately under these false allegations. I have no contracts with these corporations ... .15 U.S.C. Section 1692f. This is also a request to remove all non-account holding inquiries over 30 days old as I did not initiate these inquiries. They are required by law, according to [ 15 U.S.C. Section 1681b ] Section 604 ( c ) to remove all inquiries that I did not initiate. What valid proof does the creditors/companies have for the inquiries on my credit report to be, according to them, " a factual record of file access '' when I have no account with them? Non-account holding inquiries and unvalidated inquiries that remain on my credit report that they failed to with maximum accuracy to validate and verify shall be remedied by enforcing my rights under the FCRA. The following inquiries  need to be removed from my credit report immediately. Thank You, By : XXXX XXXX XXXX XXXX

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 03-11-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Problems caused by my funds being low

Complaint: I received XXXX different checks and while waiting to see if they would clear they put a stop payment on it. It made my account go way negative and what do you know, wells Fargo made it to where you could only send direct deposit. They took my XXXX check and I have had to go without for a whole month. You figured that they knew what happened and closed the account for me, that they would 've abided by the law and not take my whole payment. I have this in progress as a nasty complaint.

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 10/21/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WI).
Issue: Closing/Cancelling account

Complaint: I have tried several times to cancel my Bank of America, XXXX XXXX XXXX, Visa card. After I click the button to tell them I want to cancel but not because of lost or stolen card, they transfer me to another line which tells me either they are very busy and to call back or they give me the option to choose a call back from them within a certain amount of time. I never receive a call back. 
I think this is an attempt to prevent me from cancelling the card and that I will get tired of the run around and forget about cancelling the card.

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 05-05-2015 about Mortgage (FHA mortgage) with Fay Servicing, LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I recently agreed with my mortgage loan servicing company to short sale my home. It was the only option giving to me at that time. I was giving a contact agent ( XXXX XXXX ) at Fay Servicing , LLC. I have not been able to contact him at all after he told me that the best way to contact him was by email. In our original conversation ( the only contact I had with him by email ), he told me that he submitted it to the XXXX XXXX Department. It has been several weeks and no contact by either him or the XXXX department. I was also told that if I had a realtor that the agent should contact him for further directions and the handling of the sale of the home. To date, we have heard nothing from XXXX XXXX. We need contact from him, as I feel we probably could have sold the home by now. I also believe this may be a stall tactic to foreclose on the home.

Company response to consumer: Closed with explanation