milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/21/2015 about Credit card () with U.S. BANCORP (PA).
Issue: Customer service / Customer relations

Complaint: I filed an complaint with US Bank on XX/XX/2015, I advised US Bank that, Title 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure US bank are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise US Bank company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that US Bank are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If US Bank fail to respond in writing, signed by hand, in a timely manner, I will assume that US Bank are in error and this matter will be challenged. As US Bank further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and US Bank claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XX/XX/2015, I will file a complaint with the CFPB, as well as the XXXX. 
As of today XX/XX/2015, US Bank have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with Experian Information Solutions Inc. (IA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I recently applied for a loan through my local credit union. After not hearing anything for a week, I was notified by the credit union that I had been flagged as fraud due to a report given them by Experian. The information Experian kept on file was nearly 10 years out of date. I have changed address and my name has changed due to citenzenship and marriage. When I contacted Experian to resolve this issue the representative gave me a fax number and told me to send all pertinent information to that number. The fax number was for a company that may be called Experian Consumer Relation Group, XXXX, XXXX, or Experian XXXX XXXX. The correspondence uses all XXXX names ambiguously and it is unclear which one is the one which I contacted. They sent a letter ( enclosed ) stating that they are unable to make any changes and directed me back the phone number for Experian. They have stuck me in a hand off cycle and no resolution, or attempt thereof, has been made.

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 04/20/2016 about Bank account or service (Checking account) with NEW YORK COMMUNITY BANK (FL).
Issue: Account opening, closing, or management

Complaint: Money Market Account with Ny Community Savings - withdrew remaining balance and brought account to XXXX. Requested account closure via telephone 6 times, to no avail. Bank then charges series of minimum balance fees on a XXXX balance account. Bank credits {$1.00} in interest earned on prior balance. Instead of crediting my checking account with the interest and closing money market the bank waives one of the fees, charges more fees putting the account into overdraft for {$28.00} and conducts an unauthorized EFT from my checking account for the {$28.00} to pay their fees. This is an unfair practice that aims to increase fee revenue at the expense of the consumer. The account was at a XXXX balance and the bank posted {$1.00} interest. There is no clear justification to begin billing low balance fees on a XXXX or residual interest balance. Stop this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (AR).
Issue: Loan servicing, payments, escrow account

Complaint: My X husband is in bankruptcy due to the failure of his business. 
I am not in bankruptcy. 
We have a house together that was included in the bankruptcy since it was used as collateral in a business loan. 
The bankruptcy court receives money from him and pays the house note. 
They do not pay on time. 
This is reflected in my credit score and information but not his since he is protected by the bankruptcy. 
What recourse do I have since I can not motivate the court to pay on time even though the payments are made on time?

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 01/17/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have called Navient through the years trying to negotiate settlement or repayment options. I had a XXXX loan which is now XXXX due to them never working with me. If I said I could only do XXXXmonth that was never acceptable. It always went into forebearance. I am about to his collections with them and need to try and stop it. Please help!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with PENTAGON FEDERAL CREDIT UNION (IA).
Issue: Closing on a mortgage

Complaint: I twice disputed with XXXX a line of credit loan that originated with Pentagon Federal Credit Union in XX/XX/XXXX and paid off in XX/XX/XXXX, in which I requested removal of late notations on payment history on XX/XX/XXXX in a letter to Pentagon Federal Credit Union. The letter spelled out the reasons I thought payment history notations should be deleted. 

In the meantime I received an undated and unsigned letter with the envelope dated XX/XX/XXXX from  Penfed 's mortgage records department with closing papers from this old loan signed by me in front of a notary XX/XX/XXXX. The letter stated that an audit had revealed that I never received these closing docs back from Penfed after closing. 

This loans purpose was to establish a line of credit for me as part of a modification of an existing loan to be paid off. The interest rate was more than if I was to do a regular fixed rate home equity loan but found it attractive that I would be able to use excess for a line of credit as needed. Unbeknownst to me because I had no loan papers from Pentagon Federal showing they closed my line of credit a week or so after I closed on loan and I would n't be able to use the loan as I expected. This would have come in handy in months where I was short and could have made a payment. 

I believe there are issues with Regulation Z compliance regarding how the closing docs were n't released in a timely manner.

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 10/31/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have been working diligently to repair my own credit. My credit score was XXXX two weeks ago, all of a sudden my score drops almost XXXX points for no reason at all. I have paid my credit cards in a timely fashion. I have brought my utilization to the right percentage, and my score is continually dropping every day for no reason at all. My wife and I share the shame credit cards, and her scores are going up. All XXXX credit bureaus are reporting my score inaccurately. My utilization is XXXX % which is good, it dropped my score XXXX point because of this good utilization. This is unethical, in what is going on with the XXXX credit bureaus. They inaccurately reporting my credit score and this is not fair. My score should n't have dropped almost XXXX points in a couple of weeks if I 'm making sure my utilization is good, and payments are good and on time. If you could help me in any way that would be greatly appreciated. I 'm utilizing XXXX XXXX which I was told that XXXX owns this company, it 's a scheme to keep people looking like they have bad credit to make them suffer and not be able to get the help they need in society. They ought to be ashamed of themselves for being unethical with their approach. XXXX XXXX stated that I did nice work by getting my balance down, and with that they minus my credit score XXXX points for doing a great job. This is unethical please see attached picture of this.

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 12/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have submitted the required paperwork for renewal of the IBR plan, a month later they said that my application was missing a signature. I resubmitted the application with the signature first week of XXXX and received a confirmation email on the XXXX that they had received the document. (this is all done within the right time span to still be approved before my payment was due)35 days have passed and now they say they never received it, (which I never got notification) and processing of the application will take more time so my only option was forbearance (which the rep kept pushing me to do, threatening that it will go on my credit report if I did not do it). This is the second year on a row that Navient has done this. When I called last week to ask about why it was taking so long to process my application they said that the application was being processed, I was never informed that they were missing information until now, that my only option is forbearance.Because of their negligence processing applications, I have had to go into forbearance more than once.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: We are sick and tired when our true and lawful Attorney-in-Fact XXXX OVERSEER AND SUCCESORS, A CORPORATION SOLE ( hereinafter " XXXX '' ) contacts BANK OF AMERICA , NATIONAL ASSOCIATION ( hereinafter " BANA '' ), and COUNTRYWIDE HOME LOANS, INC. D/B/A BANK OF AMERICA HOME LOANS ( hereinafter " CWHL '' ) at ( XXXX ) XXXX or ( XXXX ) XXXX about BANA and/or CWHL not complying with Federal Law when BANA and/or CWHL has never properly sent or shipped any " NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN '' ( hereinafter " NOTICE '' ) ( open " First Attachment '' ), dated XXXX XXXX, XXXX, even though BANA and/or CWHL claims that the Creditor is not BOFA MERRILL LYNCH ASSET HOLDINGS, INC.? 

XXXX constantly calls BANA and/or CWHL to produce all new " NOTICES '' under Federal Law from the last time BANA or CWHL officially shipped a " NOTICE '' on XXXX XXXX, XXXX. BANA and/or CWHL employees, representative, agents, and managers give XXXX the runaround, BANA and/or CWHL never responds, calls, faxes, or emails XXXX. XXXX also gets numerous amounts of Reference Numbers, Request ID Numbers, and Case Numbers, that BANK and/or CWHL never, ever addresses or properly responds too. BANA and/or CWHL hopes XXXX goes away by constantly and intentionally ignoring XXXX 'S ongoing request for BANA and/or CWHL to produce all " NOTICES '' that took place from XXXX XXXX, XXXX to XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I contacted all of them by phone, but since my ex-husband left withnothing but my cloths on my back, all documentations support, I do n't know what he did with everything I owned either, includingall my accounts, assets, personal information, birth certificate, drivers license, ss card, passport, etc. etc. He fled back to XXXX, used me for XXXX. I got the information from XXXX, complaint to them alsoand who to call to dispute and I did to all of them and also to credit bureau online. All the best ... ... XXXX XXXX number : XXXXMidland Funding LLCUS ( XXXX ) XXXX collector account numberXXXX $ XXXX collector XXXX $ XXXX XXXX XXXX XXXX XXXX {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (IL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have taken a  XXXX  credit card via  Comenity LLC  while purchasing my phone back in  XXXX  and have been paying monthly since then. After  one year, Comenity  decided to end the credit card partnership with   XXXX  and they decided to change clause up to their own interest, without my consent. They have also send a letter that they are closing the account but i can still pay remaining balance on a monthly basis. I have been making regular monthly payments and by   XXXX   XXXX  , all that was left was {$150.00} as my credit card balance to pay them. I also called their center few times in   XXXX   XXXX   to understand how the new rule works and if i should close the account by paying off remaining balance. What i have informed was there is no connection with  XXXX  anymore and they do n't have any information regarding my credit card. But I kept paying online through their portal and in   XXXX   XXXX  , I was shocked to see a charge of {$180.00} interest alone for {$150.00} remaining credit card balance and takes the total to {$330.00} in remaining balance. Within couple of days I paid off the {$150.00} original balance. There is no one that i can talk to or reach out to at the firm to understand this outrageous charge and hence I request   XXXX   XXXX   XXXX   to step in and kindly help me in this regard. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-07-2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have attempted to get Specialized Loan Servicing to correct my account since XXXX 2016. Since XXXX 2016, each month, they " lose '' the payment that is sent electronically to them directly from XXXX XXXX Bank. Each month, I call them and they state I must submit written proof of payment, which I do. XXXX and XXXX monthly payments have not yet been corrected on my account and I was charged a late fee, because SLS returned the XXXX payment claiming I had an incorrect account # on the payment. The payment set-up with XXXX XXXX electronic submission has not changed since SLS started to receive payments two years ago. I spoke with XXXX at SLS and she told me that the payment was returned in error ( the conversation was recorded by SLS ) and to re-submit the payment, which I did. Therefore, the late fee needs to be removed. The late payments on my credit report also need to be removed and corrected. I have tried to call XXXX and speak with both supervisors and managers, ( e.g., XXXX on XXXX/XXXX/16 ) to have the XXXX and XXXX payments corrected and the monthly late fee removed. I received my XXXX statement today and these corrections have still not been made.

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 09/19/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Deposits and withdrawals

Complaint: I bank with Wells Fargo. Have checking account and personal loan. I asked for extension. Havent paid for 2 months and they take the money out of my account. Claiming I authorized this by telephone with collection agent. Then they change the story to there is a clause in the loan agreement allowing them to go into my checking account and take whatever they can?? This seems illegal. Now I cant eat

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: TransUnion credit report has 2 names listed. One of them is incorrect. Not me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (OH).
Issue: Unauthorized transactions/trans. issues

Complaint: I had my payroll check being deposited to the Rush prepaid card which is done every other Friday it has been 7 days since my deposit & I have not been able to get my money off of the card. The company says they had some type of software glitch so it 's happened to thousands of customers however the CEO XXXX XXXX ( very well known XXXX or XXXX ) has taken up all social media outlets saying the problem has been rectified yet I still have no access to my funds. I 've literally called their XXXX number probably XXXX times everyday just to be told that I should be able to get my money within an hour yet each time that has failed. I call the XXXX number again just to be placed on hold for XXXX hours then hung up on. I 've emailed, sent messages via XXXX, XXXX, etc per what they 're telling us to do on the XXXX yet nothing has worked. I work hard for my money & have several severe medical issues which causes me to take medicine that I have n't been able to afford to get. So it 's been a week since I 've had my medication I 'm literally praying that I make it through each day. Please help me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/16/2015 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (UT).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/2015, I purchased an XXXX & XXXX XXXX from an organization known as XXXX with an effective date of XXXX/XXXX/15. My monthly premium was supposed to be {$36.00} but when I received my receipt via email, I realized that I was charged a total of {$120.00} for down payment via American Express ending in XXXX. I contacted XXXX to cancel my policy on XXXX/XXXX/2015 but was told that I am unable to cancel because I should have cancelled it at least 2 days before the effective date of my policy. This cancellation policy was not disclosed with me before I bought the policy and the receipt I received does n't address how to cancel my policy. I talked to American Express to dispute the transaction but it appears nothing was done and all my documents have been rejected without any good explanation. I submitted my receipt and a copy of my policy which was requested for by American Express but I received the following email : Hi XXXX XXXX, We received your recent inquiry about the following transaction : Transaction DetailsDateXX/XX/2015Amount $ XXXXFrom/ToXXXX XXXX - XXXX XXXX, XXXXWe have completed our review and have determined that no credit is due. The transaction will remain on your account because : We have not received the requested information. Based on the information available to us we are unable to verify your claim and have closed our investigation. 
If you would like to receive a copy of the documents that we used while making our decision, please contact us at XXXX. 
Thanks, The American Express Serve TeamI contacted customer service on XXXX/XXXX/15 to reopen the dispute but was given the run around and was not allowed to speak with the dispute team. I believe American Express is treating me differently because of my national origin and need them to explain why my documents was rejected

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Money transfers (International money transfer) with XOOM CORPORATION (GA).
Issue: Other transaction issues

Complaint: I transferred XXXX {$200.00} to XXXX on XXXX, XXXX, 2015 using xoom ref # ( XXXX ) The funds was picked up that day in XXXX and They sent me a text message and email message stating that my transaction was completed. Normally when I use their services the take the money out of my account within days if not right away. This time Xoom took one Month to widthdraw the funds by then I had insufficent funds in my account due to their negligence. I did the honest and right thing since my receipient had already got the money and I made arrangements to pay them right away and asked for my insufficient funds fee to be refunded to me since it was their fault. They asked me for proof and I sent proof to them that the money was paid out the moment I sent it alsocopies of my bank statements showing the Charge on their request. Now they have refused to reimburse me stating that they can do a 3 way call with me and the bank and ask my bank to waive the fee which is their administrative error. I respectfully ask you to look into this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-09-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (UT).
Issue: Adding money

Complaint: On XXXX XXXX, 2016 i went to XXXX to load XXXX dollars cash on my american express serve prepaid card. The money never posted to my account. I have spent countless hours since that day on the phone with amex serve customer service. To no avail. They keep giving me the same runaround. They say they ate investigating the problem. As a result i wasnt able to pay my car insurance resulting in a cancelled policy. Also resulting in my vehicle registration being suspended due to no insurance. Ive gotten no definitive answer as to wen my money will be available.

Company response to consumer: Closed with monetary relief