milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I paid this account completely off with a balance of zero in XXXX of XXXX. I set up recurring payments of XXXX XXXX dollar payments with walmart to complete the balance in full. Walmart then closed my account in XXXX of XXXX but are reporting to the credit bureau that they closed it in XXXX of XXXX which is incorrect Since then. the company continues to charge me with late fees and rolls the balance with more fees. They send the balance to the credit bureau but have not sent me a bill or anything in the mail to support the balance they claim is owed. 
I have mailed XXXX, XXXX, and XXXX to investigate this error and remove it from my account. Since the account is listed as 'closed ', walmart does not respond and they are not updating this account correctly on my reports. 
I need assistance in getting the balance shown as zero and the late reporting removed or the complete account removed. 
They are not fcra compliant as they continue to report and refuse to respond to my issue.

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 10-09-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America has provided me with a written document dated XXXX XXXX, 2016 from their paid legal advisor represented as the CFPB iportal uploaded CFPB Complaints response to multiple CFPB Complaints I have lodged related to my home loan mortgage account during and throughout the MHA HAMP modification process between XXXX XXXX, 2016 through XXXX XXXX, 2016. 
This document has not been uploaded to the CFPB iportal to date and therefore can not to be considered a response to any of the CFPB complaints. Additionally, the document and attachments do not address the concerns presented within the CFPB complaints lodged related to my concerns throughout the loss mitigation processes to date. 
Because Bank of America has engaged in unfair, poor, and deceptive practices, I have no way of knowing what I have been presented with is the final resolution of my concerns or not and just another of Bank of America 's tactics to solicit what they want. 
There has not been a Rescission recorded withdrawing the NOD with the XXXX XXXX County Recorders Office to date.

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 12-07-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Delinquent account

Complaint: Capital One continues to report to all 3 credit bureaus inaccurate info. pertaining to my credit history. Accordingly, on XX/XX/2013, the card company reports I was late for 30 days which is inaccurate. The account has been paid on time and has a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: i have written several times over the past several months. equifax has removed a creditor i was in good standing with and it has not been put back. The original company was XXXX XXXX I had a {$5000.00} credit limit paid in full. The account was two years old. The company was sold to XXXX XXXX. I have received email from the company saying they are live and reporting to Equifax, yet it still has not shown up. This has caused my credit score to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NM).
Issue: Application, originator, mortgage broker

Complaint: Please review the attached mortgage prepared by Bank of America. I am the current resident at the property address on the mortgage and am in the process of selling the home. This mortgage was discovered during the title search and has been delaying the sale of my home for about two months with what I now understand to be " XXXX ''. I think the biggest problem with the mortgage is that it was recorded a full year after it was prepared so the title companies involved never knew it was there. Also, I ca n't understand why I had to call them to get the release of lien started ; should n't that be done when the lien is paid off? I think there was some intentional fraud here on behalf of the previous owner and someone that works at that branch. The previous owner went through the closing of the property in question and her new home in Texas without disclosing this mortgage. Please help me to get the release sent to my title company so I can close on my short-sale before it falls through!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: Purchased a vehicle at XXXX through Santander in XX/XX/XXXX. 

Amount Financed : {$14000.00} Car Payment due each month : {$340.00} XX/XX/XXXX ( due XX/XX/XXXX ) amount paid : {$340.00} XX/XX/XXXX ( dueXX/XX/XXXX ) amount paid : {$350.00} Payoff as of XX/XX/XXXX : {$14000.00} This company is clearly a predatory lender. There is no way after 2 payments ( one of which was more than the actual amount due ), that the payoff for this loan should be more than the original amount financed. I have requested a copy of my signed contract by both mail and fax and I have not received either. They have also not been able to clearly explain to me how the two payments have been applied towards the loan. This is clearly a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with PNC Bank N.A. (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On   XXXX   XXXX   XXXX    , I opened an HELOC with PNC Bank. Many things went wrong on closing day : no one ready at  PNC  branch, no documentation ready in spite of weeks of advance scheduling, long wait time at another  PNC  branch..     I was told then that if I opened an checking account with PNC Bank, my interest rate would be lowered. I was told also that since I had no time to open that checking account on that day ( plane to catch ) I could come back later and open the account and then get the interest rate discount.     Today   XXXX   XXXX  , the same  PNC  Bank branch employee tells me it is no longer possible to benefit from the discount. I would have had to open the checking account on   XXXX   XXXX  .     I was clearly promised something on   XXXX   XXXX  . I am denied it on   XXXX   XXXX   XXXX . The reason I did not open the account on   XXXX   XXXX   was the delay caused by the breakdown in PNC Bank closing promise.     I add that other breakdowns have occurred since the HELOC was openened : I was mail a check book for the HELOC with an account number missing  two  digits. I complained and was told  PNC  Bank deliberately issues check books with missing digits! My account number is therefore not the account number as it appears on the book! Odd?     What should I do?     I am at your disposal for any documents related to this complaint.     Cordially,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Credit line increase/decrease

Complaint: I applied for an Amex card due to their promotional offer. I was about to book my honeymoon trip as soon as I got the card due to their offer of spending XXXX in 3 months or XXXX in travel in 6 months which I most certainly would have. Upon receiving my card I was told I only had a XXXX credit limit and it could not increased for 60 days, unfortunately my honeymoon is in exactly 60 days so I can not wait to book the trip. At first I was told EVERYONE started at XXXX credit limit, then I was told it must be due to my credit score ... of XXXX. Then I was told it was due to my number of credit card..I have XXXX. Then I was told it might be due to the credit limit I have, a combined XXXX limit compared to my income ... my income is more than 10 times that amount not combining my fiance 's income. Finally I was told the number of loans may have affected the credit limit I was given ... I have zero loans. So I ask why bother doing a credit check, and putting a hard inquiry on me, if I would get something standard and low and how am I to take advantage of this marketed offer without having a high credit usage? The response was to charge my trip, ask for permission to go over my credit limit and pay off the balance so I can charge the rest of it thus eliminating the purpose of a credit card. I do n't see how an average consumer can take advantage of the marketed offer, specifically the first 3 months, without incurring a high credit usage. On top of that why bother running a credit report on me and end up giving me a XXXX credit limit. The response I got kept changing and their was no justifiable reason for the low credit limit. I was unable to book my trip, wasted my time waiting for the card to arrive and closed my account immediately with them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: Wells Fargo in XXXX Texas-im a XXXX for 15 yrs doung business banking with only them- XX/XX/XXXX I had ti cancel my Business cking acct. due to fraud and identity theft! I then try to apply for a personal loan and was denied fo to " information from a XXXX party ''! at the same time of my application being reviewed, the banker proceeded to open a cking and a savings acct in my name after i told him i did nit want a personal ck acct with a debit card or a savings acct, and not only would i nit receive the alleged debit vida card, becsuse someone had changed my mailing address over 10 times, He says to me " i will hv it sent to me personally here at the branch ''! I honestly thougt he was joking! Until i was denied a personal loan fir XXXX when clearly they knew my income because they were my proof of income from my business cking acct that i had to close but was reasured that a fraud claim would be opened and taken care of once i had an opportunity to go through XX/XX/XXXX statements and receipts. I then received a statement weeks later of my New Cking acct and savings acct that i never opened nor received a denit card to!!! Mean while the business cc that was maxed out that was attatcged to my old business cking acct that i had to close do to fraud, They sent me a lettter in the mail Canceling my card completely with no warning or reason! My credit is now lower than ever before and they broke the law! i hv yet to go inside the branch to speak to the loan officer who took a week and and a half to deny me credit! He stated " your loan number is So long it just takes me forever yo continuously type it in ''!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (NC).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX my account was shut down for trying to transfer my money out of my account that does not have a debit and 53 was prohibiting me from getting a card. So i called in explained I was trying to transfer so everything was fixed. They said the problem was my name was n't on the transferring account. I explained to them I was transferring the money to my girlfriend with MY MONEY. However I made the fix and again try to transfer the money out. Then my account was shut down. This time i called answer question. They tell me I have to go a branch to verify my identity. So I did that and next thing you know they tell me I can not get my money. They block my out of my account. I had ~ $ XXXX in that account I needed to pay for bills for my business and house. Now I cant pay either of them and is XXXX out of luck.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have a Mortgage Loan being serviced by ASC. I have applied for a XXXX Loan Modification in XXXX 2012 - about 4 Years back. I have submitted tons of documents month after month after month. But every time I am getting a rejection or denial for wrong reasons or no reason at all, as happened in the current submission.Case in point, is their latest rejection letter dated XXXX XXXX XXXX ( copy attached ), which gives no specific reason for their denial. However when my 3rd Party contacted them, they say that because, I did not pay the Mortgage payments for over 3 Years, I am not eligible for a Loan Modification. I do not know, where from they are getting this new rule. Is XXXX not devised for people like me who are hard pressed to make the unaffordable Mortgage Payments? Are ASC and Wells Fargo ( the investor ) not participating in XXXX? 
Besides, there is no want of trying on my part, as I have been vigorously following up with them about my modification for the last 4 years or so. In fact it is they who are at fault, in not giving me the Modification and dragging the case on, year after year, despite my full eligibility.

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 10/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NJ).
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: On XXXX XXXX, XXXX I made a purchase on line with XXXX tickets with XXXX via American Express card. Immediately the prices were different as advertised so I called Amex to cancell the transactions, the agent said I needed to call the merchant, so I did and the next bill it was removed and credited. Untill the following bill XXXX XXXX the amount was added to my acct. So I disputed this with Amex and they later sent me a copy from XXXX that they had a glitch in there billing system and that they credited my sales by mistake. Than I submitted proof of my cancellation through XXXX phone logs. So Amex has been in cahoots with XXXX to keep this charge. It doesnt matter that Ive ben a loyal Amex customer for 17 years, to no solution.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Good morning, I applied for and received a total XXXX discharge for student loans. Basically, some medical conditions got worse instead of better. NAVIENT called ( several times daily ) and said I have XXXX ' signature loans not covered by the discharge. Together the XXXX ' loans total nearly {$14000.00}. I 'm lucky to have {$14.00} much less the larger total. There are MANY problems that make me doubt these loans even exist. 
THEY ARE : -- The Navient website strongly seems designed to confuse the user ( student? ). It is not at all clear what is owed, or not. 
-- Both loans indicate consignors. One of the cosigners listed is a person about XXXX and has XXXX. 
-- I answered the phone twice from Navient ; they call 2 to 3 times a day at least. They act as if they do not hear people, and keep pressing for full payment ( s ), on loans that may not exist. 
-- They mention or skim over loan assistance, but never go into detail. Navient describes how XXXX does not affect these loan types. By seen evidence, it at least can have an effect. 
-- XXXX of the loans is structured so the interest now nearly totals the principal. I am not sure I an legally prove I would never want a loan where the interest rate would make the XXXX proud, but there is 'no way ' I ever approved this. 
-- I asked for written documentation, which Navient said they would send me ; I have not received this information. ALSO any electronic signatures should have a physical signature 'backing ' it, from some point in the process. I need to see that physical signature to believe ( at least ) I am not being scammed. SINCE : It is hard to think someone may have taken my identity to get money, but these loans do not vaguely match anything I would ever do. And I do not recall them at all. 
-- SO ; even assuming these loans are real, and that is not validated, I hope to get some assistance. I want to get proof of these loans ; that includes physical signatures I have made per these loans. 
-- If I had money to give these guys, I might do it just to get rid of them, but I do n't. I could maybe come up with {$100.00} a month which would also mean eliminating a supplement insurance policy. Which would also mean skipping XXXX, so not the favorite of plans, Please assist me with this issue. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CO).
Issue: Making/receiving payments, sending money

Complaint: I 've been using paypal via ebay since the XXXX 's I used to make my living that way now it 's just part time. Yesterday I made a small purchase no problem but today when I tired to make another small purchase I found that paypal has blocked my account forever. When I called them they only said " we do n't have to tell you why '' and 'we will never tell you why ''. I have NEVER had a problem with paying for my purchases so why the extreme discrimination? Why the attitude? How do they keep getting away with doing whatever they like with everyone 's money? How is it that the internet ca n't even come up with who regulates paypal in the usa? Please help me.

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 02/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have an account on my Transunion that was removed and has returned. 
XXXX : XXXX XXXX $ XXXX- removed XX/XX/2016

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 03/16/2016 about Debt collection (Payday loan) with National Credit Adjusters, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On Friday, XXXX/XXXX/XXXX at XXXX, I received a call on my cell phone from XXXX. A XXXX XXXX representing/working for National Credit Adjusters informed me that her client was XXXX ( now XXXX XXXX ). I owed {$2000.00} account # XXXX. 
I told XXXX XXXX that I would contact her Monday, XXXX/XXXX/XXXX. 
On Monday, XXXX/XXXX/XXXX at XXXX I contacted XXXX ( now XXXX ) at XXXX. I spoke to a XXXX who could not answer my questions of who my account # XXXX was turned over to, when, and what was the balance due on the account at that time? Mind you now, XXXX XXXX XXXX still had my account on record. 
I spoke to a supervisor XXXX who informed me that my account was turned over ( I suspect sold ) to XXXX XXXX ( XXXX ) on XXXX/XXXX/XXXX. But, she could n't ( I say she would n't ) tell me the balance that was due on the account at that time. 
I left a voice message on XXXX voicemail on Monday, XXXX/XXXX/XXXX at XXXX PST. 
I female representative for XXXX called my cellphone from a Restricted # at XXXX PST on Monday, XXXX/XXXX/XXXX. 
She informed me that my account was turned over ( I suspect sold ) to National Credit Adjusters. She also claimed that she could n't ( I suspect would n't ) tell me balance due on the account at that time. XXXX XXXX only collects and issues/distributes accounts like mine to different collection companies/agencies/what have you. 
I informed XXXX XXXX XXXX who called me on my cell phone today, Tuesday, XXXX/XXXX/XXXX from XXXX of the actions I 'm going to take to protect myself. 
Is n't there some kind of legislation/statue/law against this type of business practice? 
Please, investigate and advise me? I do n't what to be scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Bank account or service (Other bank product/service) with BB&T CORPORATION (NC).
Issue: Account opening, closing, or management

Complaint: 1-My mother XXXX XX/XX/XXXX. She had an IRA at BB & T. I inherited 1/3 of this IRA. BB & T told me my options were to establish an inherited IRA at BB & T or cash out the account. I would have preferred an immediate transfer of the money to XXXX without creating the account at BB & T but they did not give me that option. As an aside, that was exactly the process that was used by another bank at which my mother had an IRA and it was a very smooth process. Feeling like I had no choice, I let BB & T establish the IRA-BDA. After the account was established, I moved the IRA-BDA to XXXX. BB & T charged me a {$50.00} fee to move my money. I told them I was going to move the money and this fee was never disclosed. The banker states that I never told her this. This is one of multiple " untruths '' that she has stated during this process. BB & T also took out the RMD for XXXX without my permission. I lost {$50.00} in this transaction and the ability to earn interest on the RMD within the IRA for the next 10 months of 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 02-07-2017 about Credit card () with U.S. BANCORP (IA).
Issue: Rewards

Complaint: I submitted an application for a credit card stating a {$200.00} US Bank Rewards Visa Card would be issued after spending {$1000.00} in the first 90 days. I spent over {$1000.00} in the first 30 days and called in to see how to cash in on the {$200.00} reward. I was told by XXXX different employees during XXXX separate phone calls that the card I was issued was not attached to any cash rewards. The picture of the card on the offer and the card that was mailed to me that I used look identical. It 's a US Bank XXXX Visa Business Card. I had a credit of {$18.00} from reward % of my spending, I told them to close my account and send me a check for the {$18.00}.

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