milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2017 about Bank account or service (Other bank product/service) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Deposits and withdrawals

Complaint: Navy Federal Credit Union charged me XXXX ( ~ {$15.00} X XXXX ) for a credit report that other mortgage originators provide at no cost.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/16/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: Chase is really dragging out making a decision on my short sale application. They have made me submit the same information multiple times, and continue to stall without closure. 
I made application for a short sale with Chase XX/XX/XXXX. This is for my propoerty on XXXX ( Loan # XXXX ). This loan is the XXXX mortgage on this home where I owe about {$8500.00}. The XXXX Mortgage is with XXXX XXXX where I owe about {$38000.00}. XXXX XXXX granted me the short sale and lowered the accepted price to {$12000.00}. The home is for sale where I recently received an offer to purchase the home. I am writing this complaint, because I have attempted to get Chase to respond to my short sale application. The realtor ( XXXX XXXX XXXX ) has made provided Chase the offer information and they still will not respond. I have complied with everything Chase has asked me to do including submitting the same information XXXX different times since XX/XX/XXXX. Based on XXXX XXXX 's action on lowering the price, I would expect Chase to do something simular. I would think XXXX-XXXX would be acceptable to settle the loan with Chase. I have had a buyer for this property since XX/XX/XXXX, but I cant close the deal because chase will not answer the short sale. Recently I have been working with ( XXXX XXXX ext. XXXX ) Chase, but all they tell me is " it is with the negotiator ''.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Please remove address XXXX XXXX XXXX XXXX GA 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 non-monetary relief
Consumer complaint received 04-01-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I have been a victim of identity thief for 4 1/2 years now. I have been reported by XXXX and XXXX and I was n't not able to open the account for very long time. 
I tried to solve the problem with XXXX XXXX, Chase, XXXX XXXX XXXX through out the whole time and they have been saying I need to wait XXXX-48 hours everytime I call and find the status. that XXXX48 hours have became over 4 years and still not have been solved. 
recently I wanted to really solved this problem and ive been filing complain everywhere and somehow I finally got intouch with the investigator directly. and started to solved some issues. I got a respond back from early warning saying that they have removed the report and told me that I will be able to reopen the bank account now with the deletion letter they 've sent me. So I went to the bank and I was able to open the account. But right next day I opened the account, XXXX XXXX bank have freezed my account and they will not let me withdrawl my balance or deposit. And also Chase bank have randomly informed me that they will not have business and it is not a matter of XXXX or XXXX report. The reason was " they just do n't want to, and they can not tell me what the reason is '' and they also said " they always have right to refuse or discontinue the relationship with customer. I want to know what the main reason is so that I can fix this issue, and have my normal life back.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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 had a Wells Fargo credit card where I was late paying, because I was having a financial hardship while trying to get through school. 

I didn't understand credit at the time, being it was my first credit card.Since then I have improved my understanding of finances and have never been delinquent on any other credit card. 

All I ask is for this charge off that I have negotiated and paid to what I could afford at the time, be removed from my credit report. This notation on my report has continuously interfered with opportunities for me that require a credit check. It has been affecting my life for 7 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I recently applied online via the American Express web site for a DELTA RESERVE CREDIT CARD FROM AMERICAN EXPRESS, with an annual fee of {$450.00} USD. Prior to completing and submitting the application and being approved, there was no disclosure of the fact that an additional fee of {$170.00} USD per year is applicable if I wanted my secondary cardholder to have the RESERVE card ( rather than the default PLATINUM card ). This is an important item which should have been clearly disclosed in the Terms & Conditions prior to even getting to the application page. For American Express to make this disclosure only *AFTER* I had already completed the application and *AFTER* I had already been approved as the primary cardholder is misleading, deceptive and dishonest. I called American Express to report this issue and to file a complaint, which was supposedly escalated up the ladder within American Express " for review '' but was shocked that no one would be following up with me directly on this issue. American Express agreed to downgrade the secondary cardholder to Platinum and refund the fee after the fact, but this completely ignores the fact that my decision to apply for the RESERVE card itself was based on the understanding ( due to lack of disclosure ) that there would be no additional fee for the secondary RESERVE cardholder. What recourse do I have? I feel that American Express should be legally required to provide this disclosure PRIOR TO APPLICATION AND PRIOR TO APPROVAL, which was not done in my case. On the basis of this lack of disclosure, I believe that I should get the secondary RESERVE cardholder at no additional cost for each membership year and for as long as I keep the primary RESERVE card account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Bank account or service (Savings account) with CITIBANK, N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: Denied a promotional offer for new money in a savings acctg. Major bank with minor customer service. Latest response was that I was ineligible due to not receiving offer in mail while I was offered this promotion in person from their bank representative. Have spent several visits to branch office, hours on the phone, and countless time with chats and emails with extremely long turn around time for any answers to this problem. Was told in branch, that this unfortunately business as usual and I am one of many with similar problem with same representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/31/2015 about Debt collection (Credit card) with Seidberg Law Offices, P.C. (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Based on the above bullet points, I and this situation falls into XXXX,XXXX and XXXX bullet points. 
At MY parents house, they gave me a letter that was for a potential garnishment. I never was served NOR had notice of any hearing, case or issue that apparently turned into a judgement. on XXXX/XXXX/2015. I went to the courts to file and request a hearing on XXXX/XXXX/2015. 
My employer sent me documentation XXXX/XXXX/2015 of the garnishment basically stating that they are complying with it. I called the courts to see the status of the hearing. They have not yet set a date. The garnishment is from a Seidberg Law Offices at XXXX XXXX XXXX. This is illegal and request your help in solving this matter. MY contact information is : XXXX XXXX, XXXXXXXXXXXX XXXX XXXX XXXX. I sincerely appreciate your help in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion removed XXXX district court Case or id # XXXX from my credit report in XXXX 2015 however put it back on my credit report XXXX 2015. The public record information was not confirmed to belong to me but Transunion chose to put it back on my credit report because the creditor asked them too. This is unfair and violates FCRA. Fraudulent information should not be placed on my credit report. Also XXXX removed the same public record but placed back on my credit report without verifying the information belongs to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In the year 2009 my business income volume decreased almost 75 % I was diagnosed with a XXXX due to all the financial dificulties, at the same time my husband fell ill and had to go under XXXX XXXX and we had to live on credit cards to be able to make ends meet. My credit got overextended and we where not able to afford the terms on the credit cards and also it caused to default on the mortgage monthly payment. We requested a short sale and placed our property on the market for almost 6 months and have shown the property numerous times with no luck. 
I requested a loan modification with the now owner of the loan which is Select Portfolio Servicing , Inc being that now my situation is a whole lot better financially and health-wise and the Bank wont even consider giving me the opportunity to keep my home. I received a letter saying that it was not under the best interest of the investor to give us the opportunity to keep our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (IL).
Issue: Managing the loan or lease

Complaint: I paid my auto loan off in full via the lenders website by submitting an online payment which processed via ACH out of my checking account. Two days later I inquired as to when I would get the title and Ally XXXX informed me that it is " company policy '' that there is a holding period of ten days before they would release the title and then it would take 3-5 days to mail. That is a TWO week waiting period on my title when I paid in full. I would understand if I had written a personal check that there would be a clearing timeframe, but an ACH is an immediate payment. How is it legal for them to hold the title for 10 days? Reg CC has rules against holds being placed on funds via check, but there has to be some sort of ruling on release of title. If they have my funds, I should be able to demand my title.

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 07/27/2017 about Debt collection (Medical debt) with N.A.R., Inc. (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: The collection company NAr ( north American recovery ) never provided me with the documentation on the Medical bill they were collecting for. IN order to remove it from my Credit Bureau I just paid the debt in full of {$1400.00} on XX/XX/17 I was told by XXXX who processed my credit card it would take 24 hrs before they could send me a receipt it was PIF. I never received any documentation I contacted NAR XX/XX/17 spoke with Supervisor XXXX XXXX. Explained I never received a PIF notice. She said it waould be faxed that day. Again it was never received. I called & asked for XXXX XXXX, was told she was unavailable so I left a voicemail with my info & explained I never received a fax or email for the PIF doc. Again no response.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Mortgage (Other mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I co-signed with my mother on a loan for a trailer. It was only XXXX loan at XXXX per month we have only managed to pay XXXX toward paying off the mortgage in 19 years. This mortgage company Greentree has switched their name a number of times over the years by my estimate we have paid close to XXXX XXXX, I do not see a light for my mother at the end of the tunnel, I really feel that we have been done wrong here. I feel that its my duty to say something for my mother, Thanks XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery Associates XXXX has been leaving intimidating messages and has continued to mail treatening letters in an attempt to pursue a debt that is over, get this XXXX years old! 

The debt was jointly incurred in a marriage that no longer exists. The marriage was dissolved in the XXXX XXXX XXXX, State of New Jersey on XXXX XXXX, 2001. 

The statue of limitations on civil matters is two years. The statue of limotationa on bankruptcy is seven. Had I declared bankruptcy this debt would have formally been discharged. 

Yet Portfolio Recovery Associates is making a living out of these Zombie debts. What manner of human being would consider pursuimg a matter for this length of time. It is my contention that it constitutes harassment and since it was a debt incurred in a partnership that no longer exists, they have no legal standing. We will forget about the ethical standing of pursuimg a XXXX year old debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2017 about Consumer Loan (Installment loan) with KEYCORP (NY).
Issue: Managing the loan or lease

Complaint: Key Bank sent a proposed arbitration provision to our Preferred Credit Line Agreement with an opt-out requirement, including that the opting out " must include the information set forth in the Arbitration Agreement, '' requiring borrowers either to make a copy or transcribe its proposed account agreement merely to preserve the existing account agreement. 

The proposed loan modification agreement was not sent by proper legal notice in New York State but was sent by First Class mail, postage prepaid, which makes the notice and opt-out provision legally dubious.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Student loan information entered twice ( same loan amount and acct number listed 2 times ) on list of owed liabilities on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: XXXX, XXXX on the XX/XX/XXXX Hello, It 's been weeks that I would like to log in to my account at : https : //support.coinbase.com I received a response on XX/XX/XXXX and answered XX/XX/XXXX to the question asked may then nothing not answer always a machine that responds no e-mail address! no phone number! ( Anyway I do not speak English! ) I would like to sell my Bitcoins and get my MONEY back. 
Thank you for your help I created an account on XX/XX/XXXX for the amount of XXXX EUR on the website : https : //www.coinbase.com I was in XXXX but I do not live there, I travel by bike around the world may have a tax address in XXXX my country, The XXXX I have unfortunately broken my XXXX XXXX is also my XXXX XXXX of the company XXXX XXXX number : XXXXXXXX XXXX XXXX XXXX XXXX. 
Then I could no longer tank the XXXX to connect! 
The procedure to register my new number here in XXXX : XXXX XXXX XXXX. 
DO NOT WALK he writes : '' The phone number is invalid '' I requested the reset of my account Here help me recovered my Bitcoins my money!!! 

( This and a translation of XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: In 1999, at XXXX years old, I enrolled in a XXXX XXXX XXXX program at XXXX XXXX XXXX University with an income of {$0.00}. To pay for college my parents and I applied for student loans and received the full amount of student aid available to us at the time. This was not enough to cover the funds therefore we also took out " Signature '' loans from XXXX XXXX, which have been sold to different groups over the years and are now serviced by Navient. I have XXXX separate loans with interest rates of ( 8.5 % - XXXX loans, 3.5 % - XXXX loans, 4.75 % - XXXX loan ) and owe a total of {$31000.00}. My total monthly payment is about {$400.00} and I want to negotiate with Navient to lower the interest rate of my 8.5 % loans. Do you have any suggestions for me? I consistently pay my loans, although due to financial hardships I have made late/delinquent payments. I have NOT defaulted on any of my loans and I do n't want to get to that position. I am also interested in consolidation and any income-based repayment plans. Additionally, I work in public service ( XXXX XXXX ) and am interested in any public service loan forgiveness programs.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Bank account or service (Checking account) with BB&T CORPORATION (VA).
Issue: Account opening, closing, or management

Complaint: This is a brief summary please see attached letter. 
Also Attached : Power of AttorneyOrder Appointing Guardian and ConservatorBB & T LetterBB & T Bank StatementThe Only Money that was deposited in that account was father 's social security checks. 
As stated in the attached letter, over the past 7 months, I have been to XXXX BB & T branches ( XXXX, VA XXXX, XXXX XXXX, VA XXXX, XXXX, VA XXXX, and XXXX, VA XXXX ), to try and prevent all that has occurred. Each time, I received different responses from all XXXX branches regarding POA. Also, XXXX different branches provided conflicting responses regarding conservatorship. Now the calls I have received from XXXX XXXX and XXXX XXXX have different policies as well. My experience is that BB & T does not have a consistent set of policies and procedures to regulate guidelines governing POA or conservatorships. This situation caused undue stress on my father and the bank 's actions have made an arduous situation even more austere as my family and I have to fight on another front to recover my late father 's stolen, hard-earn funds. All of this compounds the great pain and loss we are dealing with because of his demise. 
My dealings with BB & T have left several unanswered questions:1. Why was a Counter Check allowed to be cashed when father was in the XXXX XXXX? 
2. Why was I initially allowed online access to my uncle's/father 's brother joint account from XXXX/XXXX/15 to XXXX/XXXX/15, once it was brought to the attention on XXXX XXXX, I no longer had access? On the morning of XXXX/XXXX/15, I set ATM limits to XXXX and they were removed. 
3. Why did I receive conflicting information on whether I had access to close joint account? 
4. Why did I receive conflicting information on putting a debit hold on the joint account? 
5. Why did teller say she thinks POA was revoked, when it could only be revoked in writing?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Equifax previously deleted several student loan accounts and 3 credit card accounts from my equifax credit report, but these accounts that they deleted are still showing on my Equifax credit report. I do have the Equifax results documents that they sent back to me showing what they deleted, i have proof. I called Equifax last week and spoke to a customer service representative based out of the united states, the customer service rep and i went over my credit report over the phone, he stated that the accounts that were previously deleted by Equifax were not showing on my credit report anymore. I received a copy of my credit report today in the mail and the accounts that Equifax previously deleted are still showing on my credit report. Equifax also have 2 additional student loan accounts that are on the hard copy of my credit report that they mailed to me, those 2 accounts are not showing on my credit report on www.equifax.com.The Accounts that were previously deleted are several XXXX XXXX XXXX/XXXX accounts, XXXX/XXXX account, two XXXX XXXX XXXX XXXX accounts and several XXXX XXXX XXXX XXXX accounts. And some of the account numbers on the hard copy of my Equifax credit report are different than the account numbers they have on their Equifax website. I would like the CFPB to please assist me with this matter.

Company response to consumer: Closed with non-monetary relief