milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-03-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In XXXX my JcPenny/Synchrony credit card had fraudulent charges on my card. I notified JcPenny when I received my statement in the mail. JcPenny closed the card and open a new card. JcPenny said they sent me a new card which I did not receive. I received a letter stating they found the charges to be fraudulent and removed them from my account. I contacted JcPenny to let them know I never received my new card in the mail they sent me and I could not log on to my account to view my account. JcPenny said I owe a balance on the account and I told I did not owe anything on my account. I was not receiving statements and I was not allow to access my account since I did not have my new card. My old log in would not work. I requested my statements from JcPenny which I was sent in the mail. I was reviewing the statement on my old card JcPenny removed the fraudulent charges from the account but then but the charges on the new account. I called XXXX XXXX, 2016 to resolve the problem. I was transfer to XXXX representatives including the Fraud Department. I requested another fraud research and nothing has happen since my request. JcPenny keeps reporting I am 30 days past due on my card which I am not. I do n't owe anything on my credit card. I called and spoke to another Representative in XXXX to follow up regarding my fraud inquiry and the Representative said could not help me because she could only view 3 months of my account and could not go back to XXXX to view the account history.

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 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX my credit report was access by XXXX XXXX XXXX for the purposes of mortgage with my consent I however do not agree with the FACTA report that two many enquiries within the last 12 months impacted my score. 
I have not requested for any enquiry or give permission to any financial body to check my credit apart from the one of XX/XX/XXXX in the last 12 months The so called 'TOO MANY ENQUIRIES ' has negatively affected my credit score

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 12/20/2016 about Credit card () with CITIBANK, N.A. (DE).
Issue: Other fee

Complaint: I paid off my full statement balance before due date but I was still charged interest.

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 04/20/2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed the same accounts with Experian numerous times beginning in  XXXX  only for them to claim they verified the information as being correct. I 've asked them for the method of verification and received a letter dated  XXXX   XXXX ,  XXXX  that unless I provide them with " additional '' relevant information they would NOT  re  investigate my claims. They NEVER provided me with the method of verification but just arbitrarily dismissed my dispute.

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 03/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I received a permanent loan modification through the National Mortgage Settlement from Bank of America on XXXX XXXX, XXXX. I paid three trial payments and then executed the permanent modification documents in XXXX XXXX. In XXXX XXXX, Bank of America subtracted the principal forgiveness as promised. I received a XXXX for {>= $1,000,000} for the year XXXX. I filed my taxes and claimed this loss. But the following month of XXXX XXXX, the servicer, Bank of America put the whole XXXX back on the loan. My mortgage statements still show old payments and old loan amount.

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 03-11-2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Received two letters from XXXX stating that my accounts with XXXX XXXX were being sold to a collection agency XXXX XXXX XXXX. Acct ending in XXXX had a balance of {$3300.00} and acct ending in XXXX had a balance of {$3400.00} according to the letters. I reviewed my credit report with the XXXX credit Bureaus XXXX, XXXX and Experian and noticed that the amounts and dates reflected on my reports were different than what the letter stated and that XXXX was also reporting as a separate account from XXXX on my XXXX report which made it seem like I had XXXX past due accounts instead of just XXXX. XXXX reports shows as follows : XXXX acct ending in XXXX balance {$3600.00} opened XX/XX/XXXX, XXXX acct ending in XXXX, balance {$3500.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} XXXX shows both XXXX accts the same as XXXX but no XX/XX/XXXX accts. 
Experian shows no XXXX accounts but the XXXX shows as follows : XXXX acct ending in XXXX balance {$3500.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} opened XX/XX/XXXX None of the amounts reported to the credit bureaus match the amounts listed on the letters I received in the mail from XX/XX/XXXX. I never signed a contract with XX/XX/XXXX and my account with XXXX was included in a chapter XXXX bankruptcy that was filed XX/XX/XXXX so my account should not have been transferred or sold to XX/XX/XXXX or submitted to the collection agency XXXX. The inaccurate reporting done by XXXX and XXXX has made it very difficult to acquire new credit and has tremendously effected my credit scores with each reporting agency. I demand all accounts be removed from the XXXX bureaus as they are inaccurate

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 03/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello I recently submitted a request to Trans Union in XXXX 2016 to delete an account that was a result of Identity Theft. They have not removed it and I am writing another letter for them to either delete the item or provide there method of verification. I thought that they were suppose to remove it within 4 days of receiving my letter. I do n't think this is fair. This negative item is making it hard for me and effecting my life adversely. I need your assistance in removing this item from my credit report with Trans Union immediately. Thank You 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 01-08-2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a new BBVA Compass bank account under the following terms : BBVA Compass is offering a bonus of {$200.00} when you open a new checking account and complete the following requirements : Receive a direct deposit of at least {$300.00} within 60 days of account opening However, I have not received the bonus yet. 

I met the bonus requirements ( Receive a direct deposit of at least {$300.00} within 60 days of account opening ) on XX/XX/2017 and should have received my bonus by now.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I got on a repayment plan that was supposed to lower my monthly payments. Since I had a cosigner on my loan, they had to take both of our information in order to calculate a payment. They first tried to tell us we had a certain amount of money laying around when we indeed do not. The person that helped us set up our account asked did I spend x amount on groceries and I lied and said yes. The truth is, I do n't even have enough money to buy groceries. We set up a plan and I was able to split my payment up biweekly to something barely manageable for me. They take have been taking my payments up bi-weekly and I started getting calls and emails saying that my account was n't current. I called and spoke with a very rude and snippy NAVIENT rep that was mean to me all because I was trying to gain clarification about my loan and why the payment had went up in the midst of me paying what I could already BARELY pay. She said it had something to do with my interest going up, but no one EVER told me that this was even possible. Unable to get some understanding I eventually hung up in her face because it was pointless talking to her. She was heartless and inconsiderate and poorly trained representative.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage was sold to a new company ( XXXX partnered with XXXX ) and old collector ( OCWEN ) never informed about the transfer. We do n't know if transfer is legitimate or not. We do n't want to send payment to a false collector.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian has been and is reporting inaccurate information about the following accounts on my credit report without verifiable proof. I sent certified mails to Experian asking about the verifiable proof of the inaccurate information. I waited more than 30 days to have the verifiable proof from Experian of the inaccurate information and I didnt receive it from Experian. Since Experian doesnt have a verifiable proof of the inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following accounts should be deleted immediately. Certified mail tracking number sent to Experian on X/X/2017 : XXXX. Second Certified mail tracking number sent to Experian on X/XX/2017 : XXXX. Third certified mail tracking number sent to Experian on X/XX/2017 : XXXX. The following accounts which should be deleted immediately are : Creditor Name : XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX  XXXX Account Number : # XXXX Creditor Name : XXXX Account Number : # XXXX Creditor Name : XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX Account Number : # 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 08-02-2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: RPM, Receivables Performance Management LLC, for XXXX, is trying to collect a debt that has NOT been Validated as mine, which has been disputed and requested to do such Validation on XXXX XXXX, 2017. Also, RPM is NOT licensed in the State of Florida to collect a debt. This debt is reporting FALSE information on my credit report, on XXXX, XXXX and XXXX. The collection amount listed on my credit monitoring site for {$120.00} and never made aware of such debt in writing. This is a violation of the FRCA.

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 08/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (DE).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I got a letter from Pro Collect indicating that they were attempting to collect a debt. I immediately mailed them asking them for : 1 ) name and address of the creditor 2 ) indication of whether this is time barred 3 ) suspension of collection efforts until they have responded. 

I got no response. 
I called on XXXX XXXX and was told I needed to email XXXX procollect. I did so. No response. 

I emailed again on XXXX XXXX and there was no response. 

I called again today ( XXXX ) and was told that I would need to email him once again. I was also told that they would not provide me with the address of the creditor. 

I saw today that the account is now being reported by credit agencies.

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 05-11-2016 about Bank account or service (Checking account) with WHITNEY BANK - NEW ORLEANS MAIN BRANCH (MS).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX, XXXX I was added as a co-owner on to my spouses checking account. 
Over time from then until now, I have been in contact with the Branch Manager, XXXX XXXX, on many occasions to request assistance with helping my account not get NSF charges. I have contacted XXXX by email, and still have all of these emails, if necessary. Today, again after my account has received NSF fees, I contacted XXXX again. She then proceeds to tell me that there is an " OPT OUT '' option, so when the check card is used and the funds are not available, the card will not be able to be used. 
My complaint is, that I have contacted XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX as well as numerous phone calls. I have explained to XXXX that we were experiencing a financial hardship, due to unemployment, again, on several different occasions and it was NOT until " Today '', XXXX/XXXX/XXXX that I am told that we have an OPT OUT option. Now it is my understanding that when my husband opened the account in XX/XX/XXXX he was given this form to complete. That is 3 years ago. 
Why was this never mentioned to us again. And I was added on the account XX/XX/XXXX, I was NEVER given this form nor was I given the option to OPT OUT, nor was it brought to my husbands attention at that time. The only suggestion made by XXXX was a Handy Line account. Which would be a LOAN. 

Please see all emails below regarding the " Opt Out '' Form XXXX, XXXX XXXXXXXXXXXX Tue, XXXX XXXX, XXXX at XXXX To : XXXX XXXX XXXXXXXXXXXX XXXX If you would opt out on this acct you would not be allowed to use your debit card if the money is not available. This would protect you from becoming overdrawn with the check card purchases not checks or an ACH.. 

From : XXXX XXXX [ mailto : XXXXXXXXXXXX ] Sent : Tuesday, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX Tue, XXXX XXXX, XXXX at XXXX To : " XXXX, XXXX XXXX XXXXXXXXXXXX XXXX Can you tell me how I can close this account? In the mean time, please " OPT OUT '' my account immediately XXXX, XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX Tue, XXXX XXXX, XXXX at XXXX PM To : XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX I can email you a form that needs to be signed can you print, sign and email it back to me? 

In a previous complaint, this was the response from the bank. 
Your complaint alleges you were not aware of the ability to opt out of overdraft consideration ; however, our records indicate that an account in your name individually reflects an opt out election, advising the Bank not to consider paying items into overdraft ; this election was executed on XXXX XXXX, XXXX. Please see the attached detailed response. 

My dispute is that if I actually ever signed the form agreeing to " Opt Out '' and the bank had a record of this, why would she be offering to send me the form to sign.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: For starters, I am concerned about the very high interest rate that I 'm currently paying on my mortgage with Green Tree ( 11 % ). I was told that this is considered a predatory loan and since my loan was not originally taken out with them but was transferred without my knowledge or control, I am eligible for a lower interest rate, refinance or modification. Unfortunately, Green Tree has denied each of the said requests. Whenever documents are submitted they conveniently lose them or say that they never received them. Customer service is horrible with this company! I recently submitted a letter of request to have my escrow account deleted as I will pay my property taxes on my own and to date, they have yet to respond or honor my request. I would like information on how I can get out of this loan and refinace my home for the {$43000.00} plus amount that I currently owe at a much lower interest rate and principal and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My reduced rate plan with Navient is far beyond my ability to pay. Since I have a cosigner ( parent ), his income is part of their calculation as well. My parent is currently unemployed. I am current on my loan payments as of this date, but ca n't remain current for much longer. Loan type : Smart Option Student Loans, XXXX of them totaling over $ XXXX. 

They 've calculated that I 'm able to pay $ XXXX/mo, when my budget does not reflect that. Neither does my parent 's budget. I either need to find a way to change lenders, or get a much lower monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I cosigned for several student loans for my daughter. These were all paid in full last Fall. 
We continue to get harassing calls from Navient at our home phone, for our daughter who does not live with us. I have called 3 times asking for our phone number to be taken out of their system. I was assured, by a supervisor on the third call, that this would occur. I asked for this in writing. They did send me a letter stating that the loans have been paid, but nothing stating that they have suppressed our phone number. These calls come sometimes 2-3 times a day. XXXX mornings. Even on XXXX. Always a robocall.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XXXX XXXX, 2017 I opened the afore referenced account at the Wells Fargo & Company XXXX XXXX XXXX XXXX Branch in XXXX XXXX, California. I was issued an ATM card. Documents were then sent in the mail to activate the ATM Card and provide contact information for use by Wells Fargo & Company. I am enclosing with this letter copies of two screens for my account which I had to complete for the ATM card to be activated. One screen makes reference to Consumer Platinum Debit CardXXXX. That is not the ATM card that was issued to me. The Contact Information screen contained phone number ( XXXX ) XXXX-XXXX. That is not my phone number and I do not know whose it is. I dialed the number and it was answered by a woman who seemed to speak only XXXX. Something is definitely wrong with my Wells Fargo & Company account. Has my personal information been compromised? I am sufficiently alarmed by this situation to ask that you investigate what happened to this bank account once it was opened at your XXXX XXXX XXXX branch in XXXX XXXX. I believe this matter is serious enough that I will be reporting it to the Federal Reserve Bank of XXXX XXXX, the Office of the Comptroller of the Currency and the Consumer Financial Protection Bureau.

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 04/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: TransUnion deleted my charge-off as requested by my creditor XXXX XXXX XXXX XXXX XXXX andmyself. But they also deleted my Line of Credit which they were not suppose to, nor did I asked them to, in XX/XX/XXXX. I was applying for a mortgage loan at that time. So I most definitely would not have askedthem to delete my Line of Credit. XXXX updates my account every month and TransUnion has not addedmy Line of Credit back on my credit report. Please contact XXXX XXXX Collection Manager at XXXX XXXX XXXX XXXX at XXXX. She is eager to speak with CFPB to back up mycomplaint. TransUnion 's investigation of my dispute was completed without them contacting XXXX 
XXXX. The whole purpose of filing the dispute was to let TransUnion know that my Line of Credit wasdeleted from my credit report. TransUnion response to my dispute was that my account does notcurrently appear on my TransUnion credit report. The whole purpose of filing the dispute was lettingTransUnion know the account was not on my credit report. I am asking CFPB to go over my documentsthat i am submitting. And to have TransUnion add my Line of Credit back on my credit report. So I canreapply for my mortgage loan. I am still making on time payments which I am getting NO credit for it. Iam submitting documents showing the following : Communciation regarding the Charge-Off, My InnovisCredit Report showing my Line of Credit is still being reported. Drafts from XXXX showing in XX/XX/XXXX, XX/XX/2014 and XX/XX/XXXX that XXXX is reporting my Line of Credit. TransUnion dispute and response fromTransUnion. Email showing TransUnion did not contact XXXX XXXX at XXXX regarding my dispute. Alsomy complaint, I file against Equifax with the CFPB regarding my Line of Credit being deleted. WhichXXXX has successfully added my Line of Credit back on my credit report. And lastly I have attached my current amount that Iowe on my Line of Credit. Thank you!

Company response to consumer: Closed with non-monetary relief