milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-01-2016 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My sub-servicer is SPS servicing I was approved for Keep Your Home California SPS did not send any information as to why KYHC was denied I spoke with KYHC whom stated and sent a letter your servicer declined the assistance because the rears would exceed XXXX by the time KYHC release the funds This was untrue in XXXX 2016 the approval date from KYHC I received reinstatement which was well under the XXXX and recently went over almost four months later SPS stated to me we will attempt to modify first and then work with KYHC At that time I did not need SPS help as KYHC was approved and ready to pay within 30-40 days the reinstatement was good for approximately 21 days and was under XXXX within the guidelines of KYHC SPS stated we can except help after we review for modification KYHC stated that is untrue SPS is not registered in that program which is updated on KYHC website in XXXX 2016 I have requested a letter with details as to exactly why KYHC was denied SPS representative stated to me we are also concerned as your payments will remain the same with KYHC program I stated leasing a room would be immediate if needed until dr releases me to work full time due to XXXX XXXX XXXX, 2016 SPS sent letter of denial for modification SPS continues to input the incorrect income for me which continues to disqualify me for assistance It appears SPS want to foreclose as SPS as denied several attempts to tender the rears due I have written letters to SPS if income I am willing to rent room, as well as my family is willing to assist until I complete medical and return to work full time KYHC - denied Modification - HAMP tier 1 and 2 denied - incorrect income I want to keep my home. 
disappointed with SPS and want my loan to be with another servicer - I DO NOT TRUST SPS Alleged NOTE HOLDER - stated Incorrect in letter to me Thank you for your recent correspondence. 

As per our database, you will need to contact the servicer for the address ( es ) listed in your email. The servicer info is as follows : Servicer : XXXX XXXX XXXX XXXX, Master Servicer Phone # : XXXX XXXX XXXX ( option XXXX ) / XXXX XXXX The servicer is the direct and only contact who would have the information you are seeking. XXXX XXXX is not an investor but a Trustee and therefore does not physically own the loan or the property. XXXX XXXX does not have any say in how the property is disposed, loan modifications, etc. This is the responsibility of the Servicer. 

If you were referred to XXXX XXXX by XXXX XXXX XXXX, please provide the name of XXXX XXXX XXXX representative for our records. 

Thank you for contacting XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Mortgage Backed Securities Fax XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been making on time payments on my student loans to Navient and have been paying even more than the requested amount each month. I went to make a payment today online automatically drafted from my bank account, they are calling my payment past due even though Im paying on the the date it is due. I tried looking all over the website and their is no information to contact anymore their to speak to.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (CT).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: A credit was issued for a dispute, claim XXXX, on XX/XX/XXXXin the amount of XXXX. The item in dispute, XXXX from XXXX, cause an overdraft fee when it posted on or aroundXX/XX/XXXXin the amount of XXXX. I was told any fees associated with transaction would be credited back once claim is resolved. Again, I see a credit was issued but do not know if claim is resolved in my favor or not. If so, I need overdraft fee credited back ASAP

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 10/28/2015 about Credit card () with WELLS FARGO & COMPANY (GA).
Issue: Billing disputes

Complaint: I believe that Wells Fargo engaged in unfair, deceptive or abusive acts and practices ( UDAAP ) resulting in me suffering financial injury. I contacted Wells Fargo in XXXX 2015, as an existing Wells Fargo customer to inquire whether they would be able to offer me a 0 % purchase rate on a credit card. I called the customer contact center and explained to the representative that I required a credit card with 0 % interest on purchases and that I was less interested in 0 % rates on balance transfers. I did not intent to transfer a balance. I was pleased to be informed that Wells Fargo would extend an offer of 0 % interest on all purchases made using the card for 12 months and 0 % on balance transfers for 12 months. The offer could be applied to my existing Wells Fargo credit card, which, at that time, had a balance of {$0.00}. The customer representative advised me that in order to activate the 0 % interest rate on purchases, I would be require to transfer a minimum of {$100.00} to the credit card account. I thought this was an odd practice and sought clarification and I also asked the customer representative more than once to confirm that I would receive a 0 % interest rate on purchases for 12 months. He indicated that this was correct. At the direction of the customer representative, I duly transferred {$100.00} to the account and repaid the amount plus a {$5.00} balance transfer fee. I then began using my card for purchases believing that I was benefiting from a 0 % interest rate. I soon found out that this was n't the case. I was being charged an interest rate of 21.15 % apr on each purchase I had made. I contacted Wells Fargo on several occasions and found that they were unwilling to discuss the matter in detail. The initial phone calls I made when I signed up to the offer were recorded and I have been informed that these calls have been listened to twice and that " no banker error '' was identified, I spoke with a supervisor this evening who was dismissive and informed me that 50 % of the misunderstanding lay with Wells Fargo and the other 50 % lay with me. It is my understanding that the Trust in Lending Act requires lenders to explain the terms of their credit agreements in a standardized way so that consumer can make informed choices. I believe that the opposite happened here. I believe that information which would have influenced my decision was not disclosed by Wells Fargo. I also believe that my interpretation of this agreement was reasonable in these circumstances. Ultimately, I believe that I was misled by Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Back in 2012 my office got broken into and they stoled not only my computers my wallet which had my drivers and social security in it, ( copy of police report included ).  Earlier last month I purchased my first copy of credit report and got shock of my life to find out how someone could of done such a thing to me. apparently some one unknown to me had used my personal information to get an apartment and personal loans under my name from XXXX XXXX XXXX. at that time i had reported these accounts to credit bureaus and they had instructed me to file an FTC report which i did. Also at that time i had wrote a letter to XXXX XXXX XXXX and had made them know that the account that they are reporting to my credit report is result of identity theft. As of today i have not received no correspondent from XXXX XXXX XXXX   and i decided to purchase a new report to find out that this fraudulent account still reporting to my credit report that is the reason i am here 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 12/25/2016 about Prepaid card (General purpose card) with NETSPEND CORPORATION (TX).
Issue: Fraud or scam

Complaint: I tried to send money abroad using XXXX & they would not allow me to do so. They returned my funds to my NetSpend prepaid M/C on XXXX, but NetSpend keeps giving me excuses to not put it back on my card. It has now been 10 days and they are still telling me I have to have XXXX fax to them on their letterhead a letter of cancellation of transactions, and they have done so at least 6 or 7 times, as well as keeping me updated on transmissions. They also tell me I can send them emails giving dates & times of the cancellations, which I did but they do not accept them either and I follow their instructions to a XXXX NetSpend now is giving me the same list over & over & we do what they say to do, but never acknowledges and returns my funds to my card. I was told by a friend they must be trying to scam & cheat me out of my money. I just need my money back on my card account. They have been using my money interest free for 10 days now and seem to not be too interested in releasing my funds back to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: I opened an account with TD Bank. I moved out of the area ( from XXXX to XXXX ). I called to close my account. I was told that I could not close the account over the phone -- I had to mail a notarized letter to close the account. The letter had to be sent to the branch where I opened the account but the representative could not tell me where I opened my account for security purposes. It 's been years since I opened the account and it was in XXXX -- there are dozens of possible locations. I guessed as to which branch I opened the account at and I sent a notarized letter via certified mail, which was received on XXXX XXXX, 2015. It has been two months. I have called several times, both to the branch and the normal customer service line. Nothing has changed and I still do n't have my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax and XXXX are ignoring my numerous requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (CO).
Issue: Account opening, closing, or management

Complaint: I opened a Citibank ( R ) Account Package checking account in XX/XX/2016 using promotional code XXXX ( equivalent to the online code XXXX or Citi 's internal code XXXX ), under which I would receive a bonus payment of {$400.00} within XXXX days of meeting the requirement to keep {$15000.00} in the account for XXXX days. I deposited {$15000.00} in the account on XX/XX/XXXX and kept it in the account until XX/XX/XXXX, when I withdrew {$5000.00} via check. 
In XX/XX/XXXX and XX/XX/XXXX I messaged Citi asking about the promotion and they confirmed XXXX times in writing that the promotional code was applied to my account, that I had met the requirements for the promotion on XX/XX/XXXX, and that the {$400.00} would be credited to my account by XX/XX/XXXX 
When the bonus failed to post to my account by XX/XX/XXXX, I opened an investigation with Citi as to why it was not paid. They have failed to answer that investigation and have been stonewalling me ever since. The most recent communication I have from them is from XX/XX/XXXX which claims they have " expedited '' the investigation with their back office and that I must wait another XXXX days before they can tell me why the bonus was not paid. 
It is clear to me at this point that Citi has no intention of paying the bonus they owe me and intend to continue stringing me along with endless " investigations '' until I give up. I am tired of dealing with these people and just want to close my account, but can not do so until the investigation is resolved. 
I demand that Citi pay me the {$400.00} which they have repeatedly acknowledged that they owe me and which should have been paid by XX/XX/XXXX I also request that Citibank be referred to the XXXX Department of Justice and Federal Trade Commission for engaging in fraud and false advertising, as I am not the only person Citi has attempted to cheat out of their bonus in this manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
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: I sent a certified goodwill letter to Capital One Executive Resolution on XX/XX/ to remove late payments on my credit report. I explained that during the time I was have a financial hardship. After no reply, I sent an email to the CEO on XX/XX/, including a similiar goodwill letter, explaining my finaicial hardship and my loss of wages. I received a phone call on XX/XX/ that my account was going to be investigated. I was told today, XX/XX/ that they are not willing to change the status. I'm currently in good standing and I am working towards improving my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Bank account or service (Checking account) with FIRST CITIZENS BANCSHARES, INC. (AZ).
Issue: Account opening, closing, or management

Complaint: I opened a premier checking account with First citizens bank. Then on XXXX send them a mail after talking to them that convert into a free checking account. But it is still not done. To my surprise this bank charges for phone calls made to it for customers ( they say that they do n't charge for the first XXXX phone calls but then charge {$1.00} even for automated system ) ... this is absolutely ridiculous way of making money. 
Till now my online account says that it is not converted into the free checking account. Why??? Moreover because the online website is not good - customer will be calling to make sure but will they be charged? Where in the world these folks are living?

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX IS REPORTING AUTHORIZED USER ACCOUNT NO XXXX THIS ACCCOUNT BELONGS TO XXXX XXXX XXXX. MY BANKRUPTCY WAS DISCHARGED ON XX/XX/2018 AND MUST BE REMOVE FROM ALL BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Bank account or service (Checking account) with KEYCORP (MA).
Issue: Account opening, closing, or management

Complaint: Key Bank, which is buying XXXX, has told me they will soon be charging me for use of my overdraft account, which, while I was with XXXX, and, before that, when I was with XXXX, cost me nothing. Now they tell me overdrafts may cost me as much as {$100.00} a cycle! This is unfair for me and all others who are powerless against this huge bank to protect a valuable personal asset, which, in my case, is {$10000.00}. of overdraft credit which has heretofore for many years, been free.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Billing disputes

Complaint: Contacted XXXX XXXX XXXX XXXX XXXX XXXX about an unauthorized charge for {$24.00} on my XXXX card. The agent claimed that I signed up for this service via phone in 2012 and incur a charge every time I use my XXXX card to rent a car. I have no recollection of signing up and I have never received notification of this service from XXXX or this XXXX subsidiary. The agent was most unhelpful and claimed that they would not refund the charge because I had already availed of their service ; he also cut me off when I asked to be transferred to a supervisor. I called back and spoke to a lady named XXXX XXXX, with much the same result- very unhelpful- and they claimed that the only way I could get proof that I did sign up in 2012 was if I subpeonaed their records. I then called XXXX XXXX directly and spoke to an agent named XXXX who claimed that according to his information I had signed up for this service via the Internet. When I explained that the agents of the subsidiary said that I signed up over the phone ( and that I had no recollection of signing up for this via phone or internet, nor did I have any confirmation of signing up or any other documentation ), XXXX confirmed that according to his records this was done over the internet. He was also slightly more helpful in that he said there might be a way to reverse these charges. I said that I was fed up with the terrible customer service that I had experienced with XXXX and I proceeded to cancel the card. I have also filed a charge dispute with XXXX on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: I am uploading proof from a copy of my XXXX credit report proving that an account XXXX XXXX XXXX and XXXX were deleted off my credit report. Experian and XXXX  just keep updating these accounts that do not belong on my credit reports. I have been disputing this information for months now. Experian and XXXX want a copy of another report that I have that proves these accounts were deleted. I am uploading the proof. I get nowhere when I contact experian and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Several loans which are currently being serviced by Navient have incorrect loan balances and interest amounts. For example, Navient loan # XXXX is being calculated based on orig. principal of {$3500.00} and fixed interest of 6.80 %. However, orig. principal amt should be {$1600.00} due to a portion of the loan having been cancelled and never disbursed. Additionally, this loan has a fixed rate of 4.50 %. There are several loans being fraudulently treated this way. Navient is also reporting a much higher balance due on my loans because of the fraudulent way it is being calculated. I advised them of their mistake on several occasions ( XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ) but they have refused to fix the info on file. They also have not acknowledged payments made on this loan while it was handled by XXXX and XXXX between the years XXXX through XXXX. When Navient received the loans, they did basically erased all prior payments from the loan history and on their website, and essentially restarted the loan and repayment with the allegedly orig loan amount without including prior payment made by me - they basically inflated the numbers to increase their income.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am buying a house and the mortgage company reported that they were only able to see XXXX ( XXXX ) score. That score is by XXXX. I tried to purchase a XXXX bureau credit score by XXXX but instead they send me a copy of my credit report which I already have from the mortgage company. XXXX has a policy that if you purchase a one time copy of your scores or report it is non-refundable [ Buyer Beware ] .Their XXXX bureau score report is XXXX Neither XXXX nor Transunion scores are available. I would be able to get a better rate if those other scores were available. We tried XXXX ( twice ) and called XXXX/XXXX/16 and the same problem. I have tried twice and gave up. When I try to go online and purchase those scores, they are always unavailable and they refund me my $ XXXX!! 
The agent at Transunion said he can see my score. But when I tried Transunion.com, they want me to purchase a 7 day Trial credit monitoring subscription and then {$19.00} thereafter before I can get my score. I refused because I only want a copy of my score which the agent says cost {$9.00}. THERE IS NO EASILY VISIBLE LINK ON TRANSUNION.COM to purchase such a score for such a price. To date I am still unable to get my scores

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 02-06-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I sent PORTFOLIO RECOVERY a letter asking them to verify this account belongs to me. They sent me old XXXX XXXX statements. THIS is not what I ask for. I want the Original contract from me and XXXX XXXX with my signture etc. If they can not give me this, please removed the account OFF my credit reports ASAP. I sent many letters and they have yet to provide proof. 

PORTFOLIO RECOVERY # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , VA XXXX ( XXXX ) XXXX Placed For Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : DEBT BUYER Balance : {$4000.00} Date Updated : XX/XX/XXXX Original Amount : {$4000.00} Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Banking ) Past Due : {$4000.00} Pay Status : >In Collection<

Company response to consumer: Closed with explanation