milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/21/2015 about Debt collection (Credit card) with Financial Business and Consumer Solutions. (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter informing me that I have a collection of {$4200.00}. That they are a third party trying to collet this debt. They have all of my information correct. The debt is to a XXXX account that was opened in XXXX. I live in XXXX Idaho, the only XXXX that was here was opened in XXXX, then it closed within a year. I have never had a XXXX account. I have even contact XXXX and asked if an account was opened in my name or social security. Nothing came up, I was told that there has never been an account opened with my name or social security. I have even done a credit report and nothing shows up that I have had or have a XXXX account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Mortgage (VA mortgage) with LoanCare, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: LoanCare, or XXXX. Not sure who the company even is. My loan was sold to them from XXXX, who I was happy with. Now, I am having issues making payments. I had to call 3 times in one day just to get the person to assure me that the loan payment was scheduled. I was then rudely told " I am not sure what you 're seeing on your screen, but this is what I 'm seeing. '' I was then hung up on. That was the second call. The third call, I requested to speak with a supervisor, and was told " none are available. '' Seriously?? I am contemplating refinancing my loan in order to get away from this horrible company. Something needs to be done, and investigation, something. These people are horrible. Never again will I do business, or recommend this company. I will also not recommend or do business with XXXX, not after having been sold this way. My spouse and I are combat vets, using our VA loan for this house, and this has been a horrible experience. Unnecessarily rude and incompetent.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient never gave me information about interest rate and when you consolidate your loan you lose your payments. I am under the forgiveness loan expecting that i alredy would have more than XXXX payments like they said. I am struggling and the interested rate it is really high for student loans. I would like to know what can i do to get this fix and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with KEYCORP (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On  XXXX   XXXX ,  2017 , I timely paid {$300.00} against the balance of this card. The payment was made electronically from my  XXXX   XXXX  bank account. On that date, I learned that fraudulent debits had been placed against my  XXXX   XXXX  account.  See Complaint Number   XXXX  for further details.     On  XXXX   XXXX ,  2017 , while I was in a meeting, I received a message from  Key  Bank about my account. When I was able to access my computer, I saw that the payment had been reversed by  XXXX   XXXX . The reversal was a mistake on the part of  XXXX   XXXX  due to the fraudulent debits, as discussed in the C omplaint Numbe  XXXX  above. I went to  XXXX   XXXX  and met with my banker and the Manager, who elevated the problem to the  District Manager . There are no   Key Banks   in the State of Florida so I could not go to a   Key Bank   and their office was closed when I called on Friday afternoon. I called   Key Bank   again on Saturday and was told that I should make a payment and then call back to have the fees and interest reversed and the account corrected.     Since I could only make a payment online, and no longer had a checking account to use due to the  XXXX   XXXX  problem, I had to make arrangements to use another account. I made those arrangements and made the payment again to  Key  Bank on  XXXX   XXXX ,  2017 . I then called Key Bank to have the fees and interest reversed. I was told by "  XXXX  '' that they could reverse the late fee as a one time courtesy, but would not reverse the interest because it was not their fault. I was also told that they could not correct the account to reflect that I paid timely.     Any reporting of this matter to the credit bureaus is a violation of the Fair Credit Reporting Act. Further, Key Bank failed to timely notify me of the reversal. In addition to the late fees and interest, I have now spent additional billable time trying to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax security breach, whole family affected including our children. Replacement cards, freezing accounts, constant credit monitoring to protect our credit that costs us with no reimbursement from equifax and will affect us for a long time. Equifax did n't notify us right away and waited until the media found out. This has caused anxiety and equifax has not provided any support.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit card () with Alliance Data Card Services (PA).
Issue: Billing statement

Complaint: Upon opening a charge account with XXXX on XX/XX/2017, I was advised that my statement closing date on this account was on the XX/XX/XXXX of every month and the bill due date being on the XX/XX/XXXX of the month. On the XX/XX/XXXX, I had a XXXX balance on this account. I woke up this morning to an alert from XXXX and XXXX stating that an account had been added to my credit report. Upon checking my credit report, XXXX had reported misinformation, stating that my balance is {$120.00} shooting my utilization of my credit cards from XXXX to 28 %. On XX/XX/XXXX, the date in which I was advised by several different customer service representatives that was my statement closng date, I had a XXXX balance on this card. I had not made a purchase with this account until XX/XX/2017. I then called XXXX again and spoke to a representative by the name of XXXX who confirmed that my statement closing date was in fact on the XX/XX/XXXX. She said " We report a couple days later. ", I then asked her what is a couple of days? SHe responded with " Ummm ... on the XX/XX/XXXX. '' I then told her that from the XX/XX/XXXX to the XX/XX/XXXX is NOT a couple of days and that it was in fact exactly 14 days ( 2 weeks time frame ). XXXX incorrectly reported information on my account to the credit bureaus in regard to my balance at the the time of my statement closing ( XX/XX/2017 ) and reported a balance as of the XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PENNYMAC LOAN SERVICES, LLC. (FL).
Issue: Application, originator, mortgage broker

Complaint: Since XX/XX/XXXX XXXX is no longer involvement with my loan, now in XX/XX/XXXX XXXX transfer my loan to PennyMac Loan Services. I want to know who is my bank, also I need the Holders of the note in date courses for XXXX and PennyMac loan services.
And notorarize all the documents with perjury of witness signed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX XXXX Hunter Warfield responded to a complain i filed with the CFPB on XXXX XXXX XXXX ( case number XXXX ). The complaint was filed because while checking my credit report i found and account from this company listed on my file from which i had never received any communication from and when i disputed the account with them they sent me a letter requesting more time. Their response states that they did send me verification when the obtained the account but the documentation they sent to " back up '' their claim shows otherwise. The documentation they sent through the CFPB portal is as follows. Rental application, Move out statement, and their verification letter. Now looking at these documents you can see that the apartment complex noted i gave them notice and moved out on XXXX XXXX XXXX and Hunter Warfield claims they sent me a letter on XX/XX/XXXX..But they did not send it to the address i gave the apartment complex they sent it to the apartment from which i had moved out of over month before they claimed to have sent their verification letter had they sent the letter to my correct address which the apartment complex has this matter would have been taken care of. Now to add insult to injury they have not only increased the original balance from {$2600.00} to {$2800.00} they are not KNOWINGLY reporting the original amount as {$2800.00} on my XXXX, XXXX, and XXXX files. In their response to my original complaint they note tht i must contact XXXX XXXX about this account on XXXX XXXX XXXX i mailed a letter to XXXX to settle this account which was delivered on XXXX XXXX XXXX and i have not received any response.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am making my monthly minimum payments to all of my loans but they are not being applied correctly. this is the 2nd month in a row. Navient claimed I hit the button that says " advance my payments '' but I could n't have since my loans are paid automatically through ACH. The minimum on XXXX loan is {$42.00} of the monthly {$360.00}. On my XXXX 2016 and XXXX 2016 auto-draft payments, only {$4.00} was applied to my $ XXXX monthly payment and the remaining {$37.00} applied to the other XXXX loans on my account. I have ordered them to re-allocate my monthly payment correctly. I believe they are intentionally under-paying the $ XXXX monthly loan because I have been aggressively paying extra payments on that one. I believe they are hoping I 'm not a vigilant payer in attempts to keep me in my loans longer and accrue more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Unsolicited issuance of credit card

Complaint: Costco is changing their affiliated credit card from XXXX XXXX to XXXX XXXX. While I understand and appreciate that this is intended to generate more benefits for customers, the reality is Costco will ship a Visa credit card without asking permission of the customer, and providing no ability to opt-out. Having the affiliated credit card is not a prerequisite of membership. On a call today ( XXXX/XXXX/16 ), Costco confirmed that the card will be mailed, even if the account were to be cancelled. This despite the card is not valid until XXXX/XXXX/16 ... 10 weeks from now.

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 09-04-2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: in 2014 I was taken off work XXXX. I was current on my mortgage until XXXX 2014 when my income was cut out in over half. I tried to work with the mortgage company Carrington mortgage company XXXX XXXXXXXX. They told me I could get mortgage assistance and they have used excuse from not having the proper documents but they had in their possession. Then they wanted more proof of pay stubs, which again once I received them I sent them in. I have done everything to fix this issue and they refuse to help they are rude unprofessional and I have tried everything. I do not want to lose my home and made that perfectly clear but they wont help me at all. I would like a lower payment and time to resolve this issue fairly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX same address as the mortgage. Please help me. I am a XXXX veteran rated 70 % pending 80 % within a month so now I am exempt from property taxes now. Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Navient has increased my student loan payments astronomically. The agency has saddled me with my children 's federal loans, which is hurting me emotionally. I informed their staff that I am also paying for my children 's private loans but to no avail. They rushed me into a payment plan I ca n't afford. I asked them to enroll me for PSLP for public employees, but they informed me I do not qualify. Please help me because I 'm drowning in student loan debt with Navient. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Consumer Loan (Vehicle loan) with FC HoldCo LLC (TX).
Issue: Managing the loan or lease

Complaint: Flagship Credit Acceptance has cashed a vehicle warranty cancellation check which they should have sent to me months ago. I have been calling almost three months to get results along with my dealership who ran into walls trying got deal with them. I have encountered customer service reps who constantly hang up on me and give me no help. They advised me that it takes over a month to research a check. Which they claimed that they have mailed out before but they had the wrong address. If that would have beneath case the postman would have put it in the correct box since I have been in the same complex for 5 years. The managers are nonexistent I have spoke to several who have no clue of the process of researching a check. My loan is paid off so I do not understand why it is taking so long and they have confirmed that they have the check.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (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: My credit report shows an account that does not belong to me, original creditor was XXXX, and the reporting agency is XXXX XXXX XXXX. 
I have submited disputes to transunion and they deleted the account after months of letters and calls. I even submited a letter from the collection agency which states they would not report on my credit report. 
Yet, the account is there again, and transunion has removed my ability from disputing online. 
I am under the understanding that once an account is removed i should have been notified if it would be reinserted on my credit within 5 days, yet none of that happened. 
as a result of that account showing on my credit report, XXXX XXXX XXXX decided to close my credit card which was on perfect standing. affecting my credit even more

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 04-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I disputed the inaccurate information regarding the late payments on the student loans listed on my credit bureau report. The investigation by the bureau was updated to reflect the late payment history as accurate from XXXX XXXX, XXXX through XXXX XXXX, XXXX. XXXX, the loan servicer has verified that I was in forbearance during those dates. My account payment history in their system to reflects the forbearance and there are no late payments. XXXX refused to verify the information until after the loan was consolidated a few months ago. I need my payment history to accurately reflect my account with 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 01/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (RI).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: On XX/XX/XXXX I saw an online offer by Bank of America on their website ( bankofamerica.com ) offering, for the travel rewards card, " XXXX online bonus points after you make at least {$1000.00} in purchases in the first 90 days of account opening- '' Since I had another BOA credit card with their phone number, I called and asked for the promotional offer. The woman was not sure about the offer, but, I assumed that since it was advertised on the BOA website, it would appear. I called back BOA right after I completed the application on the phone to make sure that I had gotten the XXXX online bonus points and they said that they would get back to me. I just received a letter today, XX/XX/XXXXstating that I would not be granted the XXXX online bonus points since I did not fill in the application online even though I asked for the offer and called back immediately after applying to check on the offer. I was not told that the online bonus points were only if you completed the application online ... I would have, certainly, applied online, had I been made aware that the offer only applied if you did the application online!! So, I called today and spoke with XXXX XXXX at BOA. I was told that the offer was not part of my credit card and that I would not receive it. This is deceptive advertising as it was not made clear that the online bonus points would only be granted if you completed the application online. The agent told me that I should have scrolled down to the bottom of the online application to see the terms ... I do n't think that I should have been misled at the onset and, then, forced to read all the way to the fine print to realize that this offer was only for completing the application online. This violates full disclosure as it is deceptive and misleading, not adequately disclosing that the offer is not available if you applied by phone. I have attached the capture of the website promotional offer. It, still, appears today. I just scrolled down to look at the terms and there is nowhere that it is required to apply for this online!!!

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 11-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: X/XX/2017 XXXX charged on my boa credit card and bank denied my dispute and now Im stuck paying for something I did not do

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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Called Transunion on XXXX XXXX, 2017 and talked to the XXXX, XXXX XXXX. I told him that there are credit inquiries on my report that were re-added to my report. I know that Transunion had a computer problem, but they were removed by their company. I told him that I was aware of the 2 separate " glitches '' that occurred with Transunion that removed them. I told him that I was NOT notified within 5 days prior to then being re-added to my credit report. He told me that I was not affected by their glitches and he would not remove them from my report. I explained that these inquiries are adding a hardship and that I feel my rights were violated. I have been victimized by Transunion for a mistake that THEY made. I am asking for your help to make Transunion delete these inquiries permanently from my Transunion credit report ( as a violation took place when they illegally re-added them ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Deposits and withdrawals

Complaint: To whom this may concern, I am writing in response to claims by Scottrade that they will not respond to the CFPB. This bad behavior by Scottrade appears to be a repeat of other bad behavior. 

In the attached you will see that Scottrade for a period of no less than 2 years hide behind the OCC while defrauding regulatory agencies by maintaining the veil that their company has less than XXXX in assets.

Company response to consumer: Closed
Consumer complaint received 10-07-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (IN).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: they refuse to provide an accounting. And I cant log in to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I sent Transunion a letter XXXX XXXX 2015 questioning several accounts on my credit reports. I sent the same letter to the other XXXX credit bureaus. They responsded. Transunion has not yet responded and it is way over 30 days. They were supplied with copy of my drives license, social security card, and a current bill copy. No reason to not write me back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief