milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2017 about Payday loan, title loan, or personal loan (Installment loan) with MNE Services, Inc (MS).
Issue: Getting the loan

Complaint: 10/30/2017- This company asked me to purchase a {$150.00} in XXXX cards in order to secure my loan via XXXX XXXX at XXXX XXXX But the company representative told me that I needed a {$100.00} dollars more and kept harassing me to borrow the money. That was my last {$150.00} that I had to my name.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have tried to resolve a credit dispute with Nelnet  for the past four months. I sent my last letter to Nelnet on XX/XX/XXXX  addressed directly to their CEO XXXX XXXX, and I have yet to receive a response to that letter. I am writing today in response to Nelnets response to a complaint I filed with the CFPB, claiming that Nelnet violated FCRA requirements by not responding timely to a credit bureau dispute I submitted to Nelnet on XX/XX/XXXX. I am hoping you can help resolve my issue.
On XX/XX/XXXX I filed a credit reporting dispute through Nelnets website, disputing past due payments reported on my credit report last year. On XX/XX/XXXX
, when I did not receive a response to my credit dispute from Nelnet, I submitted another credit reporting dispute through Nelnets website requesting that Nelnet remove any negative credit reporting because they violated FCRA dispute requirements. I saved a copy of both confirmations I received through Nelnets website, although I have to say their website provides very generic confirmations, which is why I print-screened to save the confirmation pages. In a letter dated XX/XX/XXXX from Nelnet, Nelnet denied any credit reporting inaccuracies and refused to remove any negative credit reporting. I then submitted a complaint to the CFPB because Nelnet failed to comply with FCRA dispute requirements, as Nelnet did not respond to my XX/XX/XXXX complaint within 30 days. Nelnets response to this CFPB complaint was that Nelnet did not receive a XX/XX/XXXX credit dispute, which is completely false. I have a copy of the confirmation page from Nelnets website, time/date stamped, from both occasions where I submitted a credit dispute. Included with this complaint are : - screen printed copy of confirmation I received from Nelnets website for my first credit dispute submission on XX/XX/XXXX, which Nelnet never acknowledged or responded to ( Nelnet claims they did not receive a dispute from me on this date, however, I have proof from their site that I submitted the dispute ) - screen printed copy of confirmation I received from Nelnets website for the second credit dispute I submitted on XX/XX/XXXX I am demanding that Nelnet eliminate all negative credit reporting in my credit file based on Nelnets violation of FCRA requirements. If this does not occur, I will contact my attorney to pursue further actions.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: the company has guided me towards forbearance while doubling my rates, when the rathes got too high they put me on a rate reduction program which then made it nearly impossible for me to get in contact with helpful members or any team that speaks to me like they care at all they purposely gave me the run around every single time my online account summary never matches with the timely payments i make every month, they harass my cosigners, & make it hard to repay in a sensible way

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (FL).
Issue: Unauthorized transactions/trans. issues

Complaint: I can get access to my account or money. It causing me not to have funds to go to work or buy my XXXX child nesseceties.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/13/2017 about Mortgage (Reverse mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX. I called Bank of America to transfer money from my saving account to my mortgage. I was given a confirmation number afterwards, I had enough money in my saving account to make my mortgage payment. I was told by several Bank of America Supervisors that I had taken the proper steps, my payment was intentionally posted on XX/XX/XXXX, which they intentionally tried to make late on my mortgage for XX/XX/XXXX and XXXX XXXX, I had never been late or missed a payment. I had requested for it to be paid on XX/XX/XXXX. My mortgage payment was reverse to Bank of America bank account. Please refund {$770.00} towards my XX/XX/XXXX mortgage payment so that it can be paid in full. My instructions were n't followed as a valuable customer. I am requesting that you investigate my mortgage payment to see where it went and pay for my arbitration. I no longer want to be a customer of Bank of America. They are horrible. From a scale to 1-10. I give them a zero. Their customer service is extremely horrible. Bank of America had not attended to resolve any issues.

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 04/14/2018 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (CT).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: A close out check issued from XXXX XXXX on XX/XX/XXXX in the amount of XXXX, it was deposited via mobile app on XX/XX/XXXX, this check reflects the amount left in my checking account with XXXX XXXX. Unbeknown to me, a stop payment was placed on the item for reason ( s ) unknown to me, I am still trying to find out why they stopped payment on the item after they agreed to send check, they do in fact owe me the funds. Check was deposited to my Suntrust account and is now overdrawn due to stop payment, overdrawn amount includes numerous overdraft fees, a total of 14 plus a returned check fee. Due to status of my XXXX XXXX account, there is a special department handling it which works off a voicemail and they do not return my messages. A separate complaint is on file with CFPB in regard to stop payment and status of missing funds. I attempted to reach out to Suntrust executive office in regard to resolution of overdraft fees and returned check fee as stop payment appears to be an error on XXXX XXXX, not my fault. I was unable to reach anyone in executive office, just customer service and a few reps working in different branches. I need these fees 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 01-12-2018 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (NJ).
Issue: Trouble during payment process

Complaint: My mortgage was with XXXX XXXX. After signing, they notified me that they put the wrong insurance company on the paperwork and made me resign things. Then they sold it to Roundpoint XXXX. They immediately tried to raise my monthly payments because they said they had paperwork with the higher insurance price. I called XXXX and they supposively fixed it. 

Then in XXXXXXXX 2017, I get notification from Roundpoint that they were selling my mortgage. But after they decided to sell it, they did an escrow analysis and decided my payment should be increaed from {$1400.00} to {$1500.00}. When I contacted the new mortgage company, they told me that apparently Roundpoint was paying two different insurance companies ( incorrectly ) and that extra {$1200.00} was them mistakingly paying the new insurance. 

When they did their escrow analysis, they failed to notice they were paying two different insurance comanies. Instead they noticed a shortage for the year of {$1200.00} and decided that I should make it up PLUS increase my payment to cover it for the next year. So they raised my mortgage by {$200.00} knowing they were selling it and the new payment would be to the new company. 

However, because they sold it, they new company is unable to do an escrow analysis for 60 days and expected me to pay the extra money until they could. Thankfully, I asked my issue to be escalated and XXXX XXXX was willing to figure this all out.

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 01-06-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX, FL XXXX SSN : XXXX | DOB : XX/XX/1968 Credit Reporting Letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately. 
XXXX there XXXX account Please remove all non-account holding Inquiries over 30 days old. 
Please add Promotional Suppression to my credit file. 

Thank You XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
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: MY HUSBAND AND I WERE THE VICTIMS OF IDENTITY THEFT AND FRAUD AFTER WE LOST OUR HOME TO FORECLOSURE. WE SUSPECT OUR MAIL AND SOME BILLS WERE STOLEN FROM OUR OPEN MAILBOX AFTER WE LEFT.UPON REALIZING OUR IDENTITY WAS STOLEN AND NUMEROUS FRAUDULENT ACCOUNTS WERE OPENED IN OUR NAMES, WE FILED IDENTITY THEFT REPORTS WITH THE FTC, POLICE REPORTS DOCUMENTING THE THEFTS, NOTIFIED ALL THE APPROPRIATE CREDITORS, FROZE ALL OUR CREDIT FILES AND BANK ACCOUNTS. THIS HAS BEEN VERY STRESSFUL WITH THE BIRTH OF OUR CHILD AS WELL. I HAVE NOTIFIED CREDIT REPORTING AGENCY XXXX AND TRANSUNION NUMEROUS TIMES VIA FAX AND CERTIFIED MAIL WITH RETURN RECEIPT. XXXX AND TRANSUNION HAS REFUSED TO HONOR ALL OF MY EVIDENCE, OFFICIAL IDENTITY THEFT POLICE REPORTS, FTC IDENTITY THEFT REPORT, NOTARIZED OFFICIAL AFFIDAVITS AND OTHER SIGNIFICANT PROOF OF THIS CRIME. I HAVE EXHAUSTED ALL MY EFORTS IN RESOLVING THIS PROBLEM. I SIMPLY WISH TO BE LEFT ALONE SO WE CAN BEGIN TO REBUILD OUR CREDIT AND LIVE NORMALLY. ALL I REQUEST IS ALL THESE FRAUDULENT ACCOUNTS BE DELETED FROM MY CREDIT REPORTS AND COLLECTIONS CEASED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX ( XXXX ) placed a collections account on my credit for an alleged debt of {$270.00}. I never received a debt validation letter from XXXX, and when I asked them they said they mailed me one in XXXX 2016 which is a flagrant lie in flagrant violation of the FDCPA. XXXX is illegally trying to " park '' an alleged debt on my credit report even though I do n't owe any alleged debt to XXXX. The tradeline for XXXX needs to be deleted because I do n't owe any alleged debt to them nor did I ever receive a debt validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Debt collection (Federal student loan debt) with NELNET, INC. (MT).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Nelnet Does Not Have My Permission To Call Me For ANY Reason.I 'm Pretty Sure It 's A Robo Call

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (DE).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: PNC Bank changed the terms of my personal checking account. This notice was provided only via statement message on an account that is considered a virtual account and does not receive paper statements. Most activity, including reconciliations, on these types of accounts are performed in-app, and thus I did not receive proper notice, such as an App Notification or even a note to say, " Hey, by the way, there are new terms on the most recent statement. '' When I called to inquire about this service charge, I was told that PNC had done away with one of the ways they provided to avoid this charge. That particular method was to avoid visiting any of the branch tellers. All transactions had to be performed through the app, online banking website, or ATM machines, which I had done for many years. Unhappy with the outcome, I requested to close the account. I was informed that PNC could not close my account until my Life Insurance automatic withdraw was switched to another account. So, lacking any other options, I finished our conversation and proceeded to change the life insurance payment account. 

By the time the Life Insurance was switched, and I called PNC Bank to close the account for the second time, I was assessed another monthly fee which overdrew my account. This time PNC refuses to close the account because the account had been overdrawn by their $ XXXX monthly fee. I refuse to pay the fee on the grounds that I had previously requested to close the account because of it. 

At this point in time, PNC still refuses to close my account and is continuing to charge my account {$7.00} per day for being overdrawn. Fees assessed since my request to close the account currently total {$100.00}, as of X/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Enhanced Recovery Company is attempting to collect a debt on behalf of XXXX that : a ) is not a valid debt of mine because I cancelled service with them when they bought out XXXX XXXX XXXX and paid my final bill to XXXX XXXX XXXX ) is a debt that is XXXX years oldc ) re-aging the debt onto all XXXX major credit reports with an incorrect " place for collection '' date

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2017 about Mortgage (Conventional home mortgage) with GUARANTEED RATE INC. (IL).
Issue: Closing on a mortgage

Complaint: I have been living in XXXX, IL for about three years and decided to buy a house near XXXX this year. I contacted several lenders and finally used Guaranteed Rate ( " GR '' ) as my lender. They went through the application process and set the closing date on XXXX/XXXX/XXXX. From it I encountered a couple of very bad experience with GR : 1. GR failed to send me the required document, which resulted TWICE closing date delay. From XXXX to XXXX. And then XXXX to XXXX. I had to rearrange the furniture delivery, floor refinishing, moving date, and XXXX inspection. 

2. GR failed to obtain my and my wife 's tax return because they did not send the correct address. In the end I and my wife obtained our tax return and sent to them. They could not get this easy job done. 

3. I paid {$420.00} for appraisal fee to GR and GR promised it would refund it to me. I have not received it. I asked GR and they told me it was refunded at closing. I sent them the Closing Document to prove the {$420.00} was not refunded and they were wrong. No response thereafter. 

4. Because of the twice delays, GR 's sales manager, XXXX, talked with me and promised to give me a " sorry credit '' of {$560.00}. I have not received it. I waited one month after the closing and called my contact at GR. He hung up on me and said he did not know what XXXX promised to me and let me talk with XXXX. One day after, the other staff at GR told me XXXX was no longer working at GR. All staff at GR were trying to avoid me. 

In conclusion, GR did not refund me {$420.00} and did not send me {$560.00} as its promised " sorry fee. '' I did not receive a response from its manager, and I do n't believe I can solve this problem with GR by ourselves. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
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: An account showed up on my credit report that is not mine. On   XXXX   XXXX   XXXX     I sent a debt validation request to Macy 's credit card department and i requested a copy of any credit agreement that i had ever signed with them or to stop reporting it to the credit reporting agencies. Macy 's responded with a letter dated     XXXX   XXXX   XXXX   providing  " As you requested a copy of your billing statements ''. I never requested anything except a copy of any signed agreement that they say i have with them. They ignored my request and sent a bunch of billing statements that i have no idea about.

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 09/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (PA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: In XX/XX/XXXX I signed up for promotion offer XXXX, spend {$2000.00} and receive XXXX bonus Member ship Reward points. I use several offers with American Express and they usually post a few days after meeting the requirements. On XX/XX/XXXX I received an email stating Thank you for using your American Express Card ending in XXXXX for XXXX Membership Rewards Points Bonus offer. You will have successfully redeemed the offer if your purchase meets the terms of the offer. The purchase or in this case, purchases did indeed meet the terms of the offer. I still have not received the XXXX bonus MR points.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (SD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have multiple hard inquiries that I did not authorize.i want them to be deleted, and their customer service would not help and take care of the negative inquiries reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Re : Unauthorized Credit Inquiry While reviewing a recent copy of my [ XXXX ] credit report I noticed a credit inquiry by your company that I do not recall authorizing.
I understand that you are allowed to put inquiries on my file, but only if I have given my authorization. Please have this inquiry removed from my credit file as soon as possible. I have sent this letter certified mail because I need your prompt response to this issue. I would greatly appreciate receiving a written response that you have had the unauthorized inquiry removed. If you find that I am mistaken, then please send me proof of my authorization. <P/>Thanks in advance, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation

of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) 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

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 04/16/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OK).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX, ok XXXX mortgage loan # XXXX i want nationstar mortgage to stop charging me private mortgage insurance on my monthly mortgage payments from here on out ...

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with fraud alerts or security freezes

Complaint: all I am trying to do is access my Equifax credit since the breech I have been unable to access it I have been calling Equifax for 7 days straight 2 to 3 hours a day calls gets answered overseas by staff have no knowledge no care about united states consumer I pay them for membership {$12.00} month to protect my credit I am trying to lease a vehicle and due to the fact my credit is locked I am unable to do the purchase Equifax unable to unlock my credit it is frustrating calling daily and no help specially when you have your call answered by a person overseas who would care less I am amazed as big of a country as we are we have people overseas handle our sensitive information It has to be someone I can contact or write to who would listen I have attorneys work for me I will be glad to file a law suit against Equifax I can be reached at XXXX

Company response to consumer: Closed with explanation