milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-04-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Credit determination

Complaint: I have had an account in good standing with American Express since XX/XX/XXXX. There are significant monthly charges and payments often in excess of $ XXXX/year on this account without incident. 
XX/XX/XXXX I was informed that a 'credit review ' was requested despite re-assurance that the account was in good standing. This contact was made on a weekend morning before XXXX XXXX on my personal cellphone ( this account has been handled by my office through an authorized representative that works for me for more than 5 years ) and requested an IRS 'transcript '. I attempted to comply with the instructions of the 'financial review ' department whom I had never heard of before ( I initially thought the call was 'spam ' ) but was told they would not work with my administrator or accountants and that I must forward correspondence from the IRS to them in unopened envelopes ( so how was I to know whether there was an appropriate response or a form letter in the envelope? ). There was no further contact with American Express despite a note placed on the outside of the IRS envelope asking for them to contact me should the material not be responsive. 
This past Saturday at XXXX XXXX EDT I was telephoned by a representative who told me that although my account remained in good standing financially, American Express was cancelling my account. No recourse, no time to cure, no appeal. I asked for a transcript of this and my prior conversations ( always speaking on a recorded line ) and was told that I would need to submit a subpoena to the 'phone company ' since this recording belonged to American Express . Although I always noted the name of the individual on a call each time I was told that I could not reach the prior individual. I requested a supervisor and multiple times was told they would reach me in '48 hours '. A manager never picked up the phone or returned my calls. 
American Express holds itself out as a bank, identifies itself as a bank, and yet insisted on only addressing my account review on Sundays or Saturdays at non business hours not at my office, the official contact for me, but on my cellphone. 
The behaviors described above violate my rights to due process with a credit agency or bank and are distinctly punitive, in contrast to my 28 year history of business with this company. Clearly there is a rogue department in Arizona that is systematically destroying customer relationships and targeting individuals - this is not the standard of business practice that a company purporting to be a 'bank ' and a credit agency should be allowed to use, randomly targeting individuals with accounts in good standing for no clear purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I consolidated my student loans in XX/XX/XXXX ( after finishing XXXX ) in order to begin paying them off. I have been paying my student loans back now for 14 years ( currently {$740.00} a month ), have never been late or missed a payment, and worked for 9 years at a XXXX ( i.e., XXXX XXXX ), and now work for XXXX. at the XXXX XXXX XXXX XXXX XXXX XXXX where I have been employed for 4.5 years. However, I recently learned that I do NOT qualify for any student loan repayment programs since my loans are a consolidated FFELP. I was never counseled when I consolidated my loans with then XXXX XXXX ( now Navient ) about the difference between how my loans are consolidated and the benefits of a direct consolidation, which would have made me eligible for student loan forgiveness this XX/XX/XXXX. Do I have any recourse? My income is not bad but this {$740.00} a month is a huge amount that is making it hard to stay caught up and save. I feel I 've been prayed upon by these companies as I still have {$110000.00} left on my loan that was originally around {$170000.00}. 
I attended California XXXX XXXX XXXX XXXX, XXXX XXXX where I graduated with my XXXX XX/XX/XXXX. I subsequently did a 2-year XXXX and 2-year XXXX prior to reconsolidating my loans in XX/XX/XXXX. As I mentioned, I have never been late or missed a payment on my student loans, am XXXX years old, and was very discouraged when I recently realized that I do NOT qualify for ANY student loan repayment option unless I reconsolidate my loans again into a direct consolidation. Ironically, I just recently made the final interest payment on my loan. So, now just the principal is left. So, refinancing is tricky. But, if I do n't refinance, I 'll be paying {$740.00} a month until I 'm XXXX years of age. Needless to say, I am still renting an apartment as I have not been able to save enough to by a home. Additionally, after not missing my first four years of payment, XXXX XXXX ( or it may have been a different company at first but then went to XXXX XXXX and then to Navient ), my lender reduced my interest rate to 1.85 %. However, when it went to Navient, my interest rate somehow jumped to around 4.3 %. It is now back down to 2.75 %. Please help if possible. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Debt collection (I do not know) with TD BANK US HOLDING COMPANY (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I was told by a bank that I can't open a bank account due to money owed to TD Bank in NY. I called TD bank on approx. XX/XX/XXXX and was advised that amount owed is {$370.00} and if I paid {$200.00} within 30 days it would be marked as paid in full and I would be removed from the " blacklist '' that is holding me back from opening any bank account through out the banking system. On XX/XX/XXXX my sister walked into a bank branch and paid the {$200.00} which I have a reciept for. On XX/XX/XXXX I called wondering where my paid in Satisfaction letter is and why I haven't been removed from the " blacklist '' since I was told by a bank that I still can't open an account. I was told by Recovery Department that they made a mistake and didn't mark it as paid in satisfaction and that he would mark it as paid nd request chexit system to be updated so I can open an account. On XX/XX/XXXX I called back requesting a update for a letter. The guy said a request has been made and I should've gotten a letter from the branch where I opened an account. He said he would put another request in. I called the branch today XX/XX/XXXX and the branch said I'm not getting a letter cause I still owe {$170.00}. At this point I'm furious cause there obviously not caring or know what there doing. I again called Corporate TD bank again and they said no request has been put in to update the chexit system " blacklist ''. But according to corporate it's paid in full. I asked them to call the branch to let them know and he refused. He said they don't do that. So as of today I can't open a bank account to do business, the branch isn't on the same page as the recovery department of TD bank corporate,  and it's very obvious that they don't care even though I gave them there money and have been extreamly patient. Also I was advised today that no one in recovery made any notes to update the chexit system or " blacklist '' system. PLEASE HELP ME!!! I can't open any bank account to do business. ThANKS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I have the final payment amount for my 30 yr mortgage and the lien holder is demanding that I pay this amount via XXXX money order to a special account. Otherwise they will charge daily interest on any amount not received by the normal mortgage payment date. 
I do not understand how they can change the rules on the final amount rather than accept the payment via routine authorized account withdraw as we have for the duration of the loan. This sounds like a trap to squeeze more money out of us. This loan was sold to Seterus who have hounded us ever since. 
Resolution requested is to have them accept the final payment via the routine account withdraw.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a certified letter on XXXX/XXXX/2015 requesting validation of this debt. On XXXX/XXXX/2015, I received a letter from CMRE Financial Stating that this letter confirm that the request for deletion has been electronically submitted to all the credit bureaus. Unfortunately today is XXXX XXXX, 2015 and this negative account is still showing up on my records.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I sent my mortgage payment to Bank of AMerica on 
XX/XX/XXXXas of XX/XX/XXXX my payment
had not cleared.........I called Bank of AMerica and they told 
me check must have been lost in the mail.......they told me 
to put a stop on that check and send in a new check........I 
did what Bank of America told me to do.......my new check 
cleared on XX/XX/XXXX........Bank of America also tried to
cash the check I had sent on XX/XX/XXXX (apparently the
check was NOT lost in the mail !!!)..........I had placed a stop
payment on the check that I sent on XX/XX/XXXX so the 
check did not clear........BANK OF AMERICA is CHARGING
me $XXXX because the check I put a stop payment on did not 
clear! ..........I want the $XXXX charge reversed!........When I 
called Bank of America their representative (XXXX) refused to
reverse this charge......PLEASE HELP!!!

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 12-11-2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Unauthorized transactions/trans. issues

Complaint: I tried 3 times with a lot of time to let them know I was disputing a groupon charge for XXXX I told them i only had my receipt showing it was paid they closed it 3 times saying i did not send information when just a few days ago they said they got it. They can not understand language barrier. I should be treated like a customer and groupon has no way to get a hold of ceo and write which i did no response

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Debt collection (I do not know) with CREDIT BUREAU OF NAPA COUNTY, INC. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This business calls me from XXXX to my work # about XXXX times a week. I have written records of date and time they called. One day I picked up the phone and the lady was very pushy in asking me personal information such as " verification '' of my address etc. She said I owe money to " her client '', but would not disclose the client. I said if they know my phone they must have my address, and to dispute any bills by mail. She sounded increasingly frustrated that I would not even hint my zipcode etc. 
From that point on I have been receiving robocall phone calls. They never leave a message, but if I pick up the robocall says my name ( incorrectly pronounced ) and says that this message is for me and if I continue listening to it I acknowledge myself. It then goes on to say to call them back at this number XXXX, and that they are Chase Receivables. I do not have any debts, and I never list my work phone # anywhere except insurances though my employer. This business is a phishing scam.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I had been attending XXXX XXXX XXXX for my XXXX degrees. During that time, their financial aid office handled all transactions with my private loans and federal loans. I have signed documents from these times applying for the federal loans and they dealt with the transfers of my private loans to several parties. During that time I noticed that when they transferred my loans from one private lender to another my loans increased in each by about 20 % -30 %. I do not recollect any documentation of any " interest '' or " fees '' that would state my overall loans would be increased to add on another 20-30 % of my entire loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Application, originator, mortgage broker

Complaint: In XXXX XXXX I called Wells Fargo Home Mortgage ( WFHM ) and spoke to a customer service rep concerning my mortgage payment for that month. Since i was still in the " grace period '' the customer rep offered a repayment program called a Temporary Forebearance Agreement. Under this program the XXXX XXXX mortgage payment would be deferred and repaid in XXXX equal installments over the next 3 months. The repayments would be in addition to the normal mortgage payments due at that time. 

I asked the customer rep it entering this program would reflect negatively on my personal credit report. Her response was that if i complied with the terms of the agreement then nothing negative would be reported to any of the reporting agencies,. However, in order to participate in the program i had to agree to allow WFHM to debit my account when the XXXX XXXX, XXXX XXXX, and XXXX XXXX mortgage payments came due plus add XXXX of the deferred amount to the total. In addition, since the agreement was made during the XXXX XXXX grace period I would not be considered delinquent. 

I agreed to the terms as i understood them at that time and provided the customer rep with my account number and I did not make the XXXX XXXX mortgage payment. The program was completed in XXXX XXXX and the obligation completed. 

Two problems have arisen for me as a result of this agreement with WFHM : 1 ) The missed payment somehow grew into XXXX delinquent payments 2 ) The aforementioned alleged delinquent payments were reported to XXXX, XXXX XXXX, and XXXX consequently negatively effecting my credit and credit score In reviewing the mortgage summaries for these periods and item labeled " Applied Funds '' appears. It seems that when WFHM debited my account they did not know where to apply the funds. The complete payments might have been placed in an escrow account and neither the regular nor deferred payments were properly credited even though paid per the agreement and on time. Since WFHM presumably designed the program and offered the product to customers it seems reasonable to think that they would have known how to manage and operate it. Once the funds were debited I had no control over how the funds were treated.Of course the customer suffers from the banks inefficiencies. 

Lastly, i did not receive a copy of the Temporary Forebearance Agreement until XXXX XXXX. As a result fully understanding the terms was different than what was explained by the customer rep. WFHM claimed that my conversation with the customer rep was recorded but when pressed to produce it they could not. So it becomes a case of my word against theirs.

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 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: THIS IS A RE- INVESTIGATION MATTER. AS YOU CAN SEE FROM MY CREDIT FILE I HAVE HAD IDENITY THEFT BEFORE. SOMEONE HAS REQUESTED A INQUIRY ON MY CREDIT FILE AND IT WASNT ME. I HAVE SENT LETTERS TO ALL THE CREDITORS LISTED BELOW ASKING FOR REMOVAL OFF MY CREDIT FILE. FOR INSTANCE WHY WOULD I REQUEST XXXX XXXX TO PULL MY CREDIT BACK TO BACK NUMEROUS TIMES IN A 2 DAY PERIOD. DOESNT MAKE SENSE. I AM REQUESTING FOR IMMEDIATELY REMOVAL OF THESE UNAUTHORIZE INQUIRIES THAT I DID NOT AUTHORIZE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM XXXX AND DO NOT DRIVE DUE TO A INJURY IN XXXX THESE ARE AUTOMOTIVE INQUIRIES PLEASE REMOVE FROM MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Mortgage (FHA mortgage) with LAKEVIEW LOAN SERVICING, LLC (FL).
Issue: Struggling to pay mortgage

Complaint: My family has been devastated by XXXX XXXX. Thankfully our home is still liveable, but we have a lot of damage! My hurricane deductable is {$4500.00}! I have XXXX kids, XXXX of them are XXXX XXXX. I do n't have {$4500.00} to shell out! So, I heard mortgage companies were giving a break to people in Florida, so I called my servicer, my loan care ( aka Lakeview ) to see if they also would give me 3 months with no payments and put it to the end of my loan. Unfortunately, my loan servicer must be looking to put people in financial binds and foreclose on their properties, as they made the deal sound great of no payments for 3 months. I am a loan originator so I asked a lot of questions, only to find out that I would owe 4 payments in XX/XX/XXXX and if you ca n't pay it then, a 30, 60 and 90 day late goes on your credit. They found a way around the law to " help people. '' What kind of help is that? It actually seems like they are taking advantage of these poor people who could have lost everything! It 's also ashame that since I have an FHA loan ( a federal government product ), that I get even less help! As the agent at my servicer so greatly explained to me. Bottom line is, this is a disgrace! Not only are people going through enough from the storm, the people who chose to do this are now going to fall into financial hardships from this in XX/XX/XXXX.  I am sure that many foreclosures will occur now in Florida and Texas early next year!

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 04/13/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Closing/Cancelling account

Complaint: On XX/XX/2017 my cc was lost reported right away to the company. Finding out 3 wks after my account was closed due nsf.But did n't find out truth them I find truth XXXX monitoring my credit .I contact right away as well to my bank XXXX and no records of any nsf.Call them bank and was showing my cc was used and was attempt of 3 payment on XXXX different checking accounts by more than obviously was a fraud case talk with 4 different supervisors nothing resolve even with a police report from XXXX COUNTY XXXX .Once again yesterday I broth this to their attention finding out accept never was report lost and they never took te police report now my credit is been affective

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Payday loan () with Delbert Services (OH).
Issue: Payment to acct not credited

Complaint: I took out a loan with Westen Sky and it was immediately sold to XXXX XXXX and then ended up with Delbert Services. They never took out the payment on the date they stated. It always took longer and ended up costing me in overdraft fees, etc. 
I have been called by several companies claiming to collect for Western Sky and Delbert Services, etc. They all threaten and call friends and relatives with threatening tones.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Using a debit or ATM card

Complaint: My aunts car check book and debit card were stolen The bank Of America in XXXX SC. She attempted for 3 days to call the fraud department of BOA without getting through. She was able to finally get someone on the phone on XXXX/XXXX/16. She followed up by filing police reports. A total of XXXX stolen personal checks were deposited into her account on XXXX/XXXX/16. The first withdraw was made in the amount of {$240.00}. Then 2 attempts were made at XXXX XXXX without success however a withdrawel was made at BOA when more money was obtained. My aunt states she never gave her PIN number to anyone ever. We feel like a girl in and out of her home somehow guessed or watched her put the pin numbe. She filed her claims alone A follow up call she was told because the claim Was filed on XX/XX/XXXX she failed to show concern. My aunts completed every thing the fraud department requested her to do. My aunt is XXXX And becomes confused quick she did n't understand exactly what was expected of her and what the BOA was asking her to do. New claims were filed but to lay Shock the Bank of America denied the claims again. My aunt is on a fixed income and she received her XXXX in the amount of XXXX. Over {$600.00}. Of her check was taken by BOA they were no help at the fraud department. No one would reach out and assists her. She asked for supervisor to be contacted. The XXXX supervisors were talking hateful and not helping her. The bank refused to reopen the claims or provide my aunt with any details. The BOA speaks of its XXXX libability on fraud. The bank seemed to be taking advantage of my aunts XXXX and lack of understanding. Her car insurance is about to be cancelled and her car may be taken from her

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