milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-11-2016 about Credit card () with U.S. BANCORP (AZ).
Issue: Credit card protection / Debt protection

Complaint: I applied for a card through Desert Schools XXXX. They then transferred me to the third party ( Elan Financial Services ) at this time I kept getting an automated response that my card was to be shipped to me. This would not be a problem however I did not agree to any terms of this card at the time. I do not know what limit I am getting or what the terms are to it. The people at ( Elan Financial Services ) keep telling me I will not know the limit or the terms until I have received my card. This presents a problem because I would not want to open the card if the terms and limit were not acceptable to me prior to getting the card. Now when I get the card my credit will be hit showing that I have opened a card and closed it within days. This is predatory lending so that someone can make a commission by pushing a card without first getting the limit and terms accepted by the the consumer approved. This will adversely affect credit scores and thus access to future credit.

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 04/18/2016 about Credit card () with BARCLAYS BANK DELAWARE (GA).
Issue: Billing disputes

Complaint: I HAVE A BARCLAY XXXX CREDIT CARD. I WENT TO XXXX XXXX GA, WITH A RECEIPT ON XX/XX/2016 TO RETURN FEW ITEMS. CUSTOMER SERVICE OF XXXX TOOK THEM BACK & SAME TIME THEY REFUSED TO RETURN THEM BACK. HENCE, XXXX GAVE A CREDIT MY ACCOUNT FOR {$130.00}, ALSO DEBIT MY ACCOUNT FOR {$130.00} ON XX/XX/2016.I CALLED BARCLAY BANK TO FILE A DISPUTE FOR {$130.00} AS A CUSTOMER ATTEMPT TO RETURN & MERCHANT REFUSE TO TAKE THEM BACK. THIS TRANSACTION CLEARLY SHOWS ON CREDIT CARD STATEMENT OF XX/XX/2016. THIS BANK ISSUED TWO DISPUTE CASE NUMBERS FOR SAME CASE & THEY ARE DBO XXXX, DP XXXX. BARCLAY BANK SENT ME A LETTER, DATED XX/XX/2016 STATING THAT DISPUTE WAS RESOLVED IN MY FAVOR. I RECEIVED ANOTHER LETTER FROM THIS BANK, DATED XX/XX/2016 STATING THAT THEY ARE TAKING BACK A CREDIT OF {$130.00} FROM MY ACCOUNT. THAT MEANS, I HAVE TO PAY {$130.00} TO THIS BANK.THEREFORE BARCLAY BANK NEVER EVER RESOLVED MY DISPUTE FOR $ XXXX.THIS BANK HAS A VERY POOR CUSTOMER SERVICE. I CAN NOT TRUST THIS BANK. THEIR CALL CENTERS ARE OUT OF USA & THEY DO NOT HAVE ANY RESPECT FOR AMERICAN CUSTOMER.MAY I REQUEST YOU TO LOOK INTO AFORESAID PROBLEM WITH BARCLAY BANK & TRY TO RESOLVED IT. I WILL APPRECIATE YOUR HELP & CO OPERATION.THANK YOU

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 10/19/2016 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Equitable Acceptance Corporation is charging me a fee for a service that is free through my student loan advisors. They sent in an application to my student loan company on my behalf ( which I was unaware of ) and also called there to confirm the application was accepted. They are charging me {$1300.00} for this service which is unacceptable. They gave me 3 days to cancel the contract, which I did n't realize was fraudulent until I received an email from my student loan company. Yes I signed the contract, unaware of the fact that I could get this service for free. They have informed me they will send me to collections if I cancel the contract. This just is n't right. I am already having issues paying my loans back and now they want to charge on top of that. I feel they are taking advantage of people like me, that can get these services for free.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Making/receiving payments, sending money

Complaint: Hello, Re-XXXX my name is XXXX XXXX XXXX, I have been paying XXXX mortgage through my checking account. I actually paid the full amount which was due on XXXX XXXX, XXXX, There is a problem with USAA lost Medication Department. ( XXXX XXXX ) has confirmed they have not received any payments. However, my bank which sends the payments. through electronic has confirmed XXXX has been accepting the payments. On XXXX XXXX, XXXX, I was on the phone with XXXX and my bank, and the bank confirmed the payment and the address. This information is recorded. so Please listen to the recording. XXXX XXXX has sent the letter from their research department ( XXXX ) XXXX confirming no payments have been made. Letters dated XXXX XXXX and XXXX XXXX XXXX. On XXXX XXXX I received my check uncashed from XXXX loss mitigation department. ( the check they say they did not receive ) photo attached. One thing Lost mitigation department can not lie about my electronic payments. XXXX XXXX actually sees the payments, XXXX XXXX has stated he will not send XXXX anymore funds all the funds will go to USAA corporate office. It is evident that someone at loss XXXX is trying to sabotage him. There is n't any reason for 5 payments received before XXXX/XXXX/XXXX and they are all lost and not received. The last electronic payment was returned, I have actually XXXX with signed confirmation to USAA Headquarters XXXX XXXX @ XXXX has advised no to do so. However, XXXX has lost faxes and payments. It 's evident there are issues. Here are all the payments sent. Which are {$2000.00}, {$200.00}, {$1600.00}, {$1800.00}, {$1800.00}, {>= $1,000,000} I believe these amounts take care of all the payment which were due. Now if XXXX XXXX sends them back and lies about it. XXXX XXXX actually have copies of the letters they have sent. She claims she ca n't listen to the conversation. It shows pure laziness and deceitfulness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (NJ).
Issue: Managing the loan or lease

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed three times now the validity of Equifax reporting I am 120 days or more past due on XXXX of my student loans. I have spoken with XXXX/XXXX and they do not show I was ever late, yet Equifax keeps coming back with a response that it was verified by XXXX/XXXX. I do not believe they have verified anything with anyone. I have all of the backup stating I have never been past due. Equifax is the only credit agency reporting this incorrect payment status. I would like Equifax to remove the late payments immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax refuses to remove fraudlent accounts from my credit report. I have disputed items for over servals years with Equifax. I have supplied Equifax with a copy of my ID, Police reports. I was a victim of identity theft., which includes bantruptcy proceeding appearing on my credit report. I placed a fraud alert on my file back in 2004 when my identity was first stolen which I kept in place for seven years. I just recently placed a another fraud alert and file block due to the same occaurance of identity theft and I filed another police report to update any new activities. Information is not mine identity theft, fraud. Attachments you will find last 365 days of disputes which I have filed with Equifax. All disputes states reason showing Not my account or bankruptcy. XXXX XXXX XXXX acct. XXXX was, Reinserted previously deleted. Equifax placed duplicate XXXX XXXX XXXX accounts on my credit file which appear in negative and closed column. Equifax has committed countless criminal acts, .regarding my credit file. Numberous FTC VOLIATIONS. and Improper use of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX has engaged XXXX XXXX as her official Housing Counselor to submit this complaint on her behalf. Around XXXX XXXX XXXX contact Select Portfolio Servicing ( SPS ) the mortgagee who is the current servicer of her account. In order for them to quantify her for this special program for homeowners living on a small budget and can longer afford her home due the high interest rate of 10.75 %. This program is entitled XXXX XXXX Relief Program that allow homeowners to keep their homes under a paid in full settlement. Without any other cost to them. When she started reaching out to SPS she was current on her loan and was seeking an answer before the end of that first month never happen. After she had and requested that she be considered for this special program. This how the program works, after producing the required documentation the underwriter will closeout the loan. After XXXX XXXX faithfully submitted everything they ask for, now SPS is refusing to accept her income statement concerning her small pension of nearly 20 years to complete the transaction. They have inform us that they will not and can not accept the bank statement where both her XXXX is been deposit. She had inform SPS that the company only gave her a statement of of what her monthly pension will be and the company is refusing to send her any more statement concerning her pension, after informing SPS they are totally denying and workout option for her. They are using her pension as an excuse in order to keep her loan current rate as it is and force her into a foreclosure. This a predatory lending practice which violate Frank Dodd Predatory Lending Practice Act and Discrimination under The National Fair Housing Act. We are refusing to allow SPS to keep abusing Senior homeowners from practicing this negligence and unsound deceptive business practices. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech has acknowledged since XXXX 2016 that it has miss applied mortgage payments they received and cashed. I sent a letter in XXXX along with supported documents asking for the mortgage to be brought current, late fees removed and any negative credit rating. The company is still reporting my payment as late. Applying late fees and negative credit reporting. I have spoken to XXXX plus customer service representative since I started documenting in XXXX 2016, some who are supervisors and the matter is always acknowledge and apologized for along with a timeline for resolving the matter. ( 7days ) Ditech has sent me written in XXXX promising to resolve the issue. It 's now XXXX and Ditech continues to send demand letters for payments, report to credit agency and applied late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX. Is continuing to report. Debt on my credit report and has failed to send a statement validation of the debt, the charges that were and to whom. I have sent many time requesting this information including a previous complaint through CFPB and they claim to contact the original creditor and obtain validation that the debt. I have contacted the original creditor and they do have any information on the account XXXX XXXX aka Care Credit and referred me to the debt buyer. I need this information so for reasons the orginal creditor has taken payment history off my credit report recently and should be removed because it inaccurate and the collection agency should be removed because they have no information to provide me. For example, I 'd like to know the last time the card was used and the amount and how many payments were made, and why after the last payment was made did the creditor charge off the account after I explained my checking account was compromised by check fraud and I provided a new account # for payments to be withdrawn auto pay. I am asking for both companies to send documents to verify the amount and payments made, because there was a refund issued to the account and was not applied and over {$320.00} dollars of the {$770.00} balance is interst fees illegally added after the account was charged off. So with the refund by the animal hospital and the interest charges and the last payment I made and the account being charged off the following month both companies are in violation of my rights. I want then removed from my report as well as I want to seek monetary damages because of violating my rights under the Credit Transaction act as well as FCRA as the collection agency never sent a document allowing me 30 days to dispute the debt back I 'm XX/XX/XXXX, and XX/XX/XXXX in a dispute I received a handwritten statement and illegible piece Paper that only showed an amount, not a statement from " care credit " Recently Care Credit erased the date and amount the of last a payment and deleted the account late for 120 days in XX/XX/XXXX and 120 day in XX/XX/XXXX which I explained to XXXX this did not make sense.

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 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PNC Bank N.A. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: PNC submitted a response to the credit bureaus and they changed the account closed date to  XXXX . This originally had the close date of  XXXX   XXXX  This needs to be changed back to the correct date.  XXXX  has the account closed with the wrong date.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Last fall our card was charged with a very large transaction ( almost {$3000.00} ). I was only notified of a suspicious charge by email. Unfortunately this email doesnt go to my phone ( though the cc company also has my cell number and did not send a text ). I didnt get the email until the next morning. When I called the company about it, they claimed a call came in minutes after sending out the email, from a person claiming to be me that said, let the transaction go through ( Problem # 1 ) Now when I called, I had to give all kinds of identifying information that no one but myself or my wife would know, so how could that be?? ( Problem # 2 ) They closed the card, said they would send out a new one. I checked back numerous times to make sure the fraud charge was removed on my online account. One of those time, it occurred to me to change my contact email so I could be reached more efficiently since they didnt text me. Lo and behold, in the address section there was an unrecognizable address! Someone, these same perpetrators, somehow, had logged in!!! And changed my address! In addition, I realized the service person I had spoken with about the initial fraud NEVER verified my address before sending a new card out! Ive had cards sent before, sometimes for reasons I dont understand, my credit card companies say its been compromised, but dont expand and change out card, but always verify our address ... this person did not. Well now at least we had an address for the criminals!! When we called the fraud department we asked if they were going to go after them, report them, etc ... No, thats not our job What?? 
( Problem # 3 ) We decided once we get the card paid off, we are closing this account, because they do not take their security strongly. Unfortunately, in XXXX when it was paid, we had a large credit to the account. A purchase from the fall of a curriculum subscription that wasnt supposed to start until XXXX needed to be credited back. I told them the account had changed ( the curriculum company ) and they said by law, it still has to credit to the same account for 6 Months. Well, it didnt credit to our account. I finally contacted Discover, they looked it up and said, oh, yeah ... a credit came in on XX/XX/XXXX for {$190.00} to your old account. ( It was XXXX, by the way! ) You have to request that that be transferred over to your new account ( it all has the same balance by the way ). We can do that. It will take 3-5 days. It is now XX/XX/XXXX. The credit has still not come through. I contacted them again. They are checking on it. My account is paid off. This is money I have paid to Discover and XXXX XXXX has credited back to me and I cant get my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (IL).
Issue: Account opening, closing, or management

Complaint: A relative who lived in California recently passed away, and had a Wells Fargo safe deposit box. During a visit to California to spread the cremated remains and attend to the tangible property of the estate, I appeared at the Wells Fargo branch with the box key and proof that I have legal authority to close the box. They would not let me do so because less than 40 days had elapsed since the death. However the manager opened the box, which was empty, and completed an inventory form that stated so. After more than 40 days had elapsed, I sent by certified mail a letter to Wells Fargo that stated that the box will not be renewed and offered options for how I could return the key to Wells Fargo. Despite confirmed receipt of the letter, Wells Fargo continues to send bills, now with a late fee, to a dead person for a service that has been cancelled in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Bank account or service (Checking account) with PNC Bank N.A. (MD).
Issue: Problems caused by my funds being low

Complaint: On XXXX/XXXX/15 I received an email that my account was overdrawn. When I opened up my account, I had XXXX {$36.00} overdraft fees. I immediately started reviewing the account and could not find where it was overdrawn. I contacted PNC Bank to inquire about the fees. In the chat with the representative XXXX, it was stated that the check I deposited was n't cleared until XX/XX/XXXX. On the online tool that they provide it clearly states that my check was cleared on XX/XX/XXXX and all of the transactions were posted after the check was cleared. The representative said that the check was not cleared until XX/XX/XXXX. PNC bank provides this tool for consumers to to keep track of their spending, but are now telling me that it is not accurate. I have attached a copy of my transcript, a screenshot of the transactions which do not show my account in the negative, and a previous overdraft which does show my account in the negative. If the tool is inaccurate, then it should not be made available to the consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am having no success with reducing Navient student loan repayment. Since XX/XX/2015 I have sought help on the basis of Financial Hardship of which constantly I get aggressive collection practices by Navient. I no longer receive XXXX income sources and that has been in effect for over 2 years. My income is SS only of which that amount is {$810.00} per month. Navient has aggressively stated they have provided help to me of which I still have to pay the full amount of {$180.00} per month. This is not the only liability that I pay into causing me to be over-extended.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit reporting () with EQUIFAX, INC. (SD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: this is an account that should be of my report years ago. I contacted the state that started and closed this account. They state the account is closed, no balance as of XXXX. And, they are not reporting to any credit agency. I disputed this account with Equifax in XXXX 2016. There investigation reports, that this account will be removed 7 yrs after the account is closed with zero balance. So, it should n't be on my report as of XXXX 2016. So, I do n't know where to turn to get this resolved and its keeping my score down

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUN LOAN COMPANY INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have sent multiple letters to this company trying to verify an alleged debt. They have failed to respond to me in all attempts. They are reporting debt on my credit that I have no knowledge of. This is why I'm trying to verify this debt with the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have had my wallet stolen from me a few years ago an I found a lot of credit inquiry an accounts that are not mine .an it 's very difficult for me to acquire credit.pleas have all the credit inquiry information removed .thank youXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation