milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (MD).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Because of astoundingly bad customer service, I four times in writing ( electronic ) instructed " Nordstrom '' VISA ( actually TD Bank ) to close my account and tender the approximately {$500.00} in credit balance. 

Each time, they demanded that I phone. 

When I returned from my church retreat, I phoned. I was placed on hold repeatedly, totalling about 25 minutes. Finally the attendant asked me to call again another day ... the person who wished to speak with me was not in, AND they did not know that person 's work schedule. 

This is so typical of the service I have received recently from them. Time to part company forever.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Credit card () with SYNCHRONY FINANCIAL (OR).
Issue: Billing disputes

Complaint: Synchrony bank offered a no-interest for 6 months credit card ( as long as you make payments on time ), but never mailed me a bill before a payment was due! They 're trying to weasel out of the deal by causing people to make late payments who would otherwise pay on time if they received the bill on time.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: For years, XXXX/XXXX/XXXX, we have instructed DITECK not to pay AAA FLOOD Insurance, which we are not required to maintain anymore, See # 1. Diteck finally sent us a confirmation letter dated XXXX/XXXX/XXXX, about our loan not longer requiring flood insurance, See # XXXX & XXXX. YET, THEY, AGAIN, PAID XXXX {$670.00} on XXXX/XXXX/XXXX, see # XXXX. We have also contacted XXXX for the last 3 years. Our last call on XXXX/XXXX/XXXX to XXXX Representative " XXXX XXXX '' informed us that their records showed we had called and requested a " Voluntary '' policy we did not need. XXXX is maliciously and illegally renewing our policy against our will and Diteck is being negligent when paying XXXX after been notified and documented of the problem. PLEASE HELP.

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 02-10-2016 about Credit card () with U.S. BANCORP (MA).
Issue: Balance transfer

Complaint: Dear Consumer Financial Protection Bureau, I am respectfully requesting some assistance with a very frustrating consumer issue. Within the last two years I had my credit card with my local credit union, XXXX XXXX XXXX XXXX in XXXX, purchased by another financial institution, ELAN Financial Services. The communication by my credit union, as well as the new institution was poor, and the transfer took place quickly with the XXXX XXXX Credit Card bill immediately changing to an ELAN Bill, XXXX that looked much like junk mail, not a credit card bill at all. As a result, I missed several payments ( up to 120 days ) to ELAN. During this period, payments were made to XXXX XXXX, but the payments were not registered or acknowledged by XXXX XXXX or by ELAN. 

The result of all of this is that I experienced several months of late payment fees, which ELAN declined to refund. In addition, and more severly, ELAN negatively affected my credit report by issuing several late payment reports. Since this time, and after I realized that this transfer was made and that I needed to send my payments to a different address/company, I have been paying this bill consistently each month. Since the incident ELAN posted a few months of on time payments, and for the last XXXX or seven months have been posting the account closed on my credit report, even though I continue to make monthly payments to this account and according to ELAN the account is active. 

For a consumer who has never had any major credit issues on my report, this is a glaring and alarming rating, which is negatively affecting my ability to obtain a credit, a mortgage or to refinance my house. I do not believe that this is fair, nor do I feel that XXXX XXXX or ELAN handled this situation well. Especially ELAN, who, even after realizing that I was not aware of the transfer, and that I had made payments to XXXX XXXX post transfer, they refused to work with me to correct their negative reporting and acknowledge my payments. It even took several MONTHS for XXXX XXXX to acknowledge the money came in and have it transferred over to ELAN. 

In the future I would never use ELAN Financial Services again, nor would I recommend them to any of my family or friends. Doing a simple google search on them, there is a long history of other consumers complaining about their practices so I know that I am not a unique case. 

Any help here that you can provide would be most appreciated. I believe that ELAN owes it to me to review and rebuke they negative reporting that they have been sending the credit reporting bureaus. 

Thank you for your cooperation and your support. 

Regards, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I PULLED MY CREDIT BUREAUS REPORT AND SEE FRAUDULENT ACTIVITY ON MY CREDIT REPORT INFORMATION IS INCORRECT. THE INFORMATION ON ALL CREDIT BREAUS DOES NOT BELONGS TO ME. ACCOUNT SHOWS FOR A   XXXX   XXXX  . MY NAME IS   XXXX   XXXX  L. THE NAME/INFORMATION ON CREDIT REPORT SHOWING AN "   XXXX   XXXX   '' ..
I SENT OVER THE POLICE REPORT AND A SIGN AFFIDAVIT FROM THE IRS RECOGNIZING THAT I AM A VICTIM OF IDENTY THEFT TO " ALL '' THE CREDIT BREAUS. FOR MANY YEARS AND AS OF RECENT, I ' HAVE BEEN DISCRIMINATED AGAINST AND JUDGE UNFAIRLY FOR SEVERAL MONTHS, YEARS NOW BECAUSE OF MY CREDIT.
I AM A VICTIM OF IDENTY FRAUD. THIS HAS HAD A HUGE EFFECT ON MY LIFE IN THE HORRIBLE WAY. IM UNABLE TO GET A JOB, GET HOUSING, MAKE PURCHASES, OBTAIN SERVICES, OBTAIN EMPLOYMENT, ECT. ALL BECAUSE OF THESE FRAUDULENT TRANSACTIONS ON MY CREDIT REPORT.
THE ONLY TRANSACTION THAT IS VALID IS FROM   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (MI).
Issue: Delinquent account

Complaint: I had a credit card with USAA then they cancelled it. Acct no. XXXX was wondering what happened. Then I received a letter from Office of Personnel Management that my Identity had been breached, I have tried to contact them directly and through the Credit Bureau, But they say I owe some XXXX .... This is redicoulous

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (VA).
Issue: Managing the loan or lease

Complaint: I check my credit report regularly. Today I saw a notice that I had been hit with a 30 day late payment for a previous auto lease ( over 11 months old ) with Honda. I checked my online account, and saw that there was a charge of {$38.00} for one month 's worth of property tax due to Honda. I had closed that account as I leased another car with Honda. I paid my final payments. I even paid the property tax for my new Accord a few months later. I received no notification, no correspondence, no phone call regarding any additional property tax due. Instead, I have a negative mark on my credit report now, which can not be removed according to the Honda representative I talked to shortly after immediately making my payment. She inferred that I had dodged calls and correspondence for this charge. I would never dodge a payment. There is no circumstance in which I would ever evade calls from accounts to which I owe money. 
I am disgusted that even after paying the account, nothing can be done to correct the credit report which denotes that I am now 30 days late on an auto lease no longer in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2015 about Debt collection (Medical) with AMCOL Systems, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company continues to report a paid debt to credit bureaus. I submitted proof of payment to the collection company and submitted dispute to thru the credit bureaus. This company refused to remove the information and continues to report on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I took out a private student loan with a co-signer with NATIONAL COLLEGIATE STUDENT LOAN TRUST back in XX/XX/XXXX. Since then in XX/XX/XXXX I received summons for motion of judgement by default filed against me in XXXX County GA. The judgement was granted XX/XX/XXXX, even though I responded and contacted the company directly attempting to make payment arrangements. In XX/XX/XXXX the NATIONAL COLLEGIATE STUDENT LOAN TRUST went to XXXX County GA to file for garnishment with my employer and since then my wages have been held. I filed for a traverse which was temporary granted and now I 'm in need of getting the Judgement set aside due to fact the original Motion of judgement never included the co-signer nor The Plaintiff state the date the contract was breached or otherwise not complied with. Plaintiff also failed to mitigate damages by failing to take reasonable steps to reduce or minimize the damages experienced. The Plaintiff is seeking to recover more than entitled to recover in this case, and award of the judgment sought by the Plaintiff would unjustly enrich the Plaintiff. I am a single mother and this garnishment has created an extreme hardship upon me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BTH Management (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now XXXX, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. 
By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609. 

1. XXXX XXXX 2. XXXX 3. Plaza Service

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Shellpoint Partners, LLC (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was fully up to date with my HELOC with  XXXX  and was making my payments through my bank 's autopay. They sold to Shellpoint. It was hard getting through to make payments. I did not realize I fell behind with them in  XXXX  as I thought I had changed the bill pay information. I tried paying on their website and calilng but it seemed impossible during work hours. When I finally was able to get through and pay them, they somehow reported  me two months late  and made it impossible for anyone to refinance me. I then continued to make payments from thereon. I have a HELOC balloon payment as it turns out so as of  XXXX   XXXX  they would only accept full payment and began to report me late and rack up fees. They told me in  XXXX  to submit a package to do a " work out. '' The would only contact me by phone call and would not email me back to tell me if paperwork was acceptible or incomplete or in their correct format and so not until end of  XXXX  was package submitted. They have not gotten back to me with any answer and they say the do not know when or if they will do anything for me. I have no idea whether to wait for their answer or if they are trying to foreclose on me because I have good equity. I have  XXXX  children. The only hardship I have is I do not have  XXXX  but am willing to make payments. It was only because of their late reporting I could not refinance with  XXXX  or  XXXX   XXXX . They were the only ones in the way of us refinancing.  XXXX  would have refinanced us.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with V and H Portfolio (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was previously paid until item was returned. Contract was with XXXX not Vancehuffman.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2018 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: Was not notified of investigation status or results

Complaint: XX/XX/XXXX Letter from XXXX ( see attached ) stating that disputed Bankruptcy was investigated and removed from my XXXX report. On XX/XX/XXXX I sent a letter ( see attached ) to Transunion disputing the SAME Bankruptcy appearing in my Transunion report. I received letter from Transunion dated XX/XX/XXXX ( see attached ) stating that they verified the bankruptcy, On XX/XX/XXXX I mailed a letter ( see attached ) to Transunion requesting how bankruptcy was verified and demanding address and phone number of entities used to verify the bankruptcy. This letter was sent using USPS tracking XXXX and was delivered to Transunion on XX/XX/XXXX as confirmed by USPS tracking service. As per the FCRA paragraph ( 7 ), A  consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Transunion had until XX/XX/XXXX to respond to my request to provide the sources that verified the bankruptcy and failed to do so. I received a letter from TransUnion dated XX/XX/XXXX ( see attached ) with Response that does NOT include the sources they used to verify the bankruptcy. As of XX/XX/XXXX Transunion has failed to provide me with the sources they used to verify the bankruptcy. I demand that Transunion either A ) remove the bankruptcy from my report immediately or B ) provide me with addresses and phone numbers of all sources used to verify the bankruptcy information being disputed so that I may correct the information with the source they are using.

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 04-08-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Settlement process and costs

Complaint: On XXXX XXXX 2014 I asked for a GFE and they gave me Closing Costs Worksheet with Estimated Closing Costs of almost XXXX and an interest rate of XXXX for 180 months. After that, they sent me a letter dated XXXX XXXX 2014 with additional closing costs totaling XXXX. I then spoke to XXXX XXXX and XXXX XXXX and XXXX assured me of the XXXX if the appraisal comes in okay. XXXX also acknowledged that the property was a duplex. On XXXX XXXX 2014, the settlement statement ( HUD-1 ) showed XXXX due for closing costs that I rolled into my loan, which originally was XXXX less discounts ended up being XXXX. I ended up closing the loan due to the amount of time that had passed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (MI).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I was approved for a XXXX XXXX dollar credit card from XXXX XXXX XXXX. From the first time I used the card I had problems. Whenever I try to use it I had to call in because someone would lock my account. Then navy federal closed my account with telling me why and still have not gave me any explanation on why they have shut the account out it 's been about 3 months now and I have yet to here anything on my account. Now they want me to pay money for a card that I was not able to use fully.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've provided Equifax and XXXX with requested info such as police report, identity theft affidavit, FTC identity theft report and more but Equifax and XXXX has not deleted inaccurate accounts off my credit. XXXX/XXXX XXXX and XXXX XXXX XXXX is not mine. Neither has Equifax provided me with proof the accounts are valid within 30 days. XXXX was not provided proof so they deleted these accounts in 30 days ( since XXXX 2017 ) but Equifax has not complied after I have complied and provided proof those accounts are not mine. They have repeatedly violated my rights as a consumer and are in violation of crediting reporting laws

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Mortgage (Conventional fixed mortgage) with TRIAD FINANCIAL SERVICES, INC. (NY).
Issue: Settlement process and costs

Complaint: Case number : XXXX they forced a agreement and the payments are more than what they should be the amount was more than what i owed them to start i they are also involving a 2nd and third party into the finance.i left them a message again to get the title requested so i cantake money from my bank to pay them off.If it dont work im gon na file bankrupt i dont know what else to do tomorrow im calling a lawyer.Im XXXX and i caint have XXXX here anyway the lot i have from XXXX triad and XXXX is illlegal and im on hud.i caint even purchase insurance. ive been homless before. i caint keep this up cause im very sick

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: SHOWS LATE PAYMENT ON ACCOUNTS THAT ARE CLOESED.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I read about Experian falsely reporting credit scores, and lenders not using the actual credit scores that were sold to me. At the end of 2016, I went to XXXX. I was n't able to see my score, only the information on my credit report. There was a marketing ad advising me that in order to see my actual score that I would have to purchase the Experian Credit Tracker service for {$24.00} a month. I did that. I just cancelled it last month. After reading about the fine that the US has implemented on them, I called them to request a refund for the service I paid for since those number I saw were misrepresented. I spoke with a woman who told me that since I cancelled the service already that she can not issue me a refund because she has no access into my account, which I think is absurd. Also that fact that I can not see my billing history with them through my account without being forced to pay for another month of service is absolutely absurd. I was advised by the rep that I spoke with that told me she could not give me a refund that my dispute case number is XXXX. Once I spoke to the supervisor, XXXX ( rep ID XXXX ) and she only offered my one month refund at a discounted rate ( {$12.00} ), I asked her for the dispute case number ( in case it was different since I was talking to a different person ) and she told me that they have no such thing, when I mentioned to her that a dispute case number was already confirmed with the previous rep she suddenly found a number to give me. A different number but a number non the less. The dispute number that XXXX gave me is XXXX. I paid a total of {$49.00} to Experian for 3 months of service. The first month was billed at {$24.00} and the second and third month was billed at {$12.00} and I would like the total for the three months, which is {$49.00} to be refunded to me. XXXX told me that the another reason I was only getting a partial refund was because the credit score given to me through the product that I purchased was only an " educational score '' because there is no way for them to know my exact score because things change so often with scoring. Its ridiculous that consumers are the victim of their false advertising. If in fact, my score was only for educational purposes, it should still be accurate, after all, education should always be accurate. Additionally, the fact that the numbers were not accurate should have been mentioned in their marketing information that I saw, that prompted me to purchase their service.

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 07-12-2016 about Other financial service (Refund anticipation check) with Google Compare Credit Cards Inc. (WA).
Issue: Customer service/Customer relations

Complaint: Between XXXX and XXXX I had my identity comprimised and someone charged my credit cards from the google play store ... over 50 times between this time period. I have for 2 YEARS CALLING TALKING TO SUPERVISOR AFTER SUPERVISOR AFTER SUPERVISOR TRYING TO GET MY REFUND. I 've been hung up on, I 've been left hanging for months ... I have had no resolution. This has caused me financial burden and stress ... and I 'm tired .... so tired of dealing with Google ... I need your help and would like to be compensated for all the pain and suffering ... I do have full documentation of this via emails ...

Company response to consumer: Closed with explanation