milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by CB I disputed the following charges on my credit report with Transunion, XXXX, and XXXX i asked to show a contract showing I in agreement with the below listed collections on the balances they are trying to collect with me and the all ( 3 ) CB could not show me a verified contract but the balances still  remain on my report XXXX XXXX XXXX - Acct # XXXX - reported bal {$820.00} XXXX XXXX - Acct # XXXX reported bal {$2900.00} XXXX XXXX  XXXX XXXX Acct XXXX - reported bal {$260.00} XXXX XXXX XXXX - Acct XXXX - reported bal {$380.00} XXXX XXXX XXXX XXXX XXXX Acct # XXXX - reported bal {$260.00} XXXX XXXX XXXX - Acct # XXXX - Reported bal {$250.00} XXXX XXXX XXXX XXXX -Acct # XXXX - Reported bal {$390.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a Wells Fargo Everyday Checking account under a {$250.00} bonus promotion. I received confirmation of the bonus in the form of an email when I applied for the account, which I could provide a copy of as proof. The terms of the bonus stated that I would receive the bonus by performing the following action : " Within 60 days of account opening, either make 10 purchases/payments with your Wells Fargo Debit Card or establish a qualifying Direct Deposit of an accumulated {$500.00} or more to the consumer checking account opened for this bonus offer. '' " We will deposit the bonus into your new checking account within 45 days after eligibility and qualifications have been met. '' I opened the account on XX/XX/XXXX. I completed the 10th debit card transaction on XX/XX/XXXX. I have not received the bonus

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 08/24/2015 about Credit card () with AMERICAN EXPRESS COMPANY (WA).
Issue: Rewards

Complaint: Little less than a year ago we started a credit card with American Express. We were told by them that items purchased at a grocery store would be given a 6 % cash back credit. We live within XXXX mile of XXXX XXXX and buy almost all our groceries at this store. After several months we noticed that we only received a 1 % credit instead of 6 %. My wife, XXXX XXXX, and I, XXXX XXXX ( both of us have this credit card ) called them about two months ago to see why we were n't getting the promised credit. We were told that it was a mistake and were given a partial credit for previous charges for the extra 5 %. I recently noticed that for the last two months we were again only being paid the 1 %. The reason, they said American Express changed their policy. Grocery stores that have gas stations no longer are eligible for the 6 % credit. Since XXXX XXXX has gas stations at their stores, that makes the grocery purchases not eligible for the American Express 6 % credit. I explained to them that our local grocery store at XXXX does not have a gas station. They responded that since some of the XXXX XXXX stores do have gas stations that that is how they code all XXXX XXXX stores. I complained that certainly this was n't fair but they refused to change our account to get the full 6 % rebate. Appreciate you help on this unfair matter. Thank you XXXX and XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-10-2016 about Debt collection (Medical) with CRA Collections, Inc (DE).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: with all of the above stated derogatory marks on my credit, it seems all are medical bills. Being that I am a XXXX XXXX who has paid for medical insurance for years, and when i was unemployed during lay off periods and what not I had medicare. If they could all be brought into XXXX debt, not several seperate collections, I would be more than happy to find a payment solution, and given a break on the total lump sum due to financial situations and I already pay a medical premium, child support, taxes, etc. If possible I would like all the medical credit history brought together as XXXX collection and a payment set up.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (I do not know) with Velocity Portfolio Group (ME).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received letter from a collection company, XXXX, saying that I owed {$5800.00} to Velocity Investments. I have never had dealings with this company nor do I owe any debt to them or anyone that I am even late on.

The letter says they will " settle '' for {$1400.00}.

I do not owe this company.

I want them to stop sending me letters and to stop phoning me.

Company response to consumer: Untimely response
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: To Whom it May Concern : My name is XXXX XXXX and I 'm a wife and mother of XXXX children. I have paid my student loans every month since I graduated from college. After returning to school to get my XXXX in XXXX, I requested a payment plan that reflected my income, rather than the payments XXXX/Navient was requiring me to make. These payments were more than {$300.00} over my bi-weekly paycheck and made it impossible for me to pay other living expenses. XXXX allowed me to go on an income-based repayment plan for 18 mo twice. The payments were still very high, but I paid them every month. They did cause me financial hardship. I re-enrolled in the income-based repayment program again after the 18mo ended. I was given another 18mo and continued to pay on time each month despite having increased financial hardships from paying them. My account was then transferred to Navient at that point and each month, my payment was not distributed properly to my multiple loans. I incurred numerous fees and high interest rates on the loans that were not being paid because of this distribution error, and I called at least five times over the following months to have it fixed. Each time I was told they had fixed it and the fees, but then a few months later I would see that it had not been repaired and my loans were in default. At the end of the second 18 mo income-based repayment plan, I was told there were no more options and I would have to pay the full amount each month. This was now {$500.00} more than my bi-weekly paycheck and I have XXXX children to take care of. I am unable to pay this amount and have been in default since. My father is paying almost $ XXXX/mo towards the few loans he co-signed to keep his credit score from being affected, and it 's causing him considerable financial hardships. My own credit score is extremely low now, and my family is unable to purchase a house or a car. I have now been sent to collections. I am completely unable to make these high payments despite being employed full-time as a XXXX. I am out of options and feeling beyond frustrated with this situation. Thank you for your time and assistance. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TN).
Issue: Account opening, closing, or management

Complaint: It has now been 7 days past the deadline for Citi to honor their targeted promotion to me for opening a citi gold checking account and meeting all requirements which I have successfully done as confirmed by several representatives since account has been opened ( XX/XX/XXXX ). My offer was for XXXX Thank you points ( promotional code : XXXX ). My account was opened over the phone and confirmed I qualified for this promotion.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In XX/XX/XXXX or XX/XX/XXXX, Equifax suffered a breach of security via hacking from an online exploit, leading to the presumed theft of millions of consumers ' information. It is my understanding that I may be a victim of said hacking. I confirmed this information with Equifax on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Vehicle loan or lease (Loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (NH).
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint: I put an application in to Infiniti of XXXX just to be able to put a deposit onto a car before running the credit. I was guaranteed I would n't have my credit run until I approved on my trade in amount. I never finalized my trade in amount because when I went to put a {$1000.00} dollar deposit onto the car, it had been sold prior. This happened on XX/XX/XXXX with 4 different locations. My credit should NOT have been run until I agreed upon my trade in value and price of the car, which also was not finalized or discussed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Application, originator, mortgage broker

Complaint: On XXXX/XXXX/2016, I applied for a HARP refinance loan with Homeward Residential ( Homeward ). I was told I would not need an appraisal for my refinance. I received my initial and ONLY Loan Estimate ( LE ) from Homeward on XXXX/XXXX/2016. A copy is attached. The LE does not include an estimated charge for an appraisal. It does include a general lender credit of {$180.00}. This lender credit reduces the cost of the loan and as such is a closing cost subject to zero tolerance under 12 CFR 1026.19 ( e ) ( 3 ). 
On XXXX XXXX, 2016, I received an e-mail ( copy attached ) from the loan officer indicating that an appraisal was required. I was asked to verify that payment information previously provided was accurate and could be used to process payment for the appraisal. The loan officer indicated that I would receive a lender 's credit for the appraisal amount at closing. I was charged {$440.00} for the appraisal, which was paid. 
I was given no opportunity to shop for an appraisal service. I was told this service was required by the lender. Under 12 CFR 1026.19 ( e ) ( 3 ), this makes the appraisal cost an item subject to zero tolerance. 
I never received a revised Loan Estimate detailing the change in the costs of my loan, as required by 12 CFR 1026.19 ( e ) ( 3 ) ( iv ). After the third business day following the date that Homeward was aware of the change ( XXXX XXXX, 2016 ), Homeward should have lost the ability to charge me for the increase in cost represented by the cost of the appraisal. Homeward should be required to rebate this cost under 12 CFR 1026.19 ( f ) ( 2 ) ( v ). 
On XXXX XXXX, 2016, I received an initial Closing Disclosure ( CD ). A copy is attached. The initial CD included a charge for the appraisal of {$440.00}, shown as paid prior to closing. This CD included a lender credit of {$620.00}. Presumably, this amount was the original general lender credit disclosed on the Loan Estimate of {$180.00} plus the amount of the appraisal ( {$440.00} ). 
The loan was closed on XXXX XXXX, 2016. We received a copy of the final Closing Disclosure, which is attached. The CD did not include a rebate for the zero tolerance error related to the appraisal as required under 12 CFR 1026.38 ( h ). I received no lender credit of {$620.00}, as disclosed on the original Closing Disclosure. 
I contacted Homeward Residential on XXXX XXXX, 2016 to discuss this situation. I was told that I was not entitled to a rebate of the appraisal fee or any other costs associated with this loan. At that point, O notified Homeward of my intention to file a complaint with the Consumer Financial Protection Bureau. 
Under Regulation Z, I am entitled to a rebate of {$620.00} for the increased zero tolerance costs on my loan with no proper disclosure under the requirements of 12 CFR 1026.19 ( e ) ( 3 ) and 1026.19 ( f ) ( 2 ) ( v ). However, Homeward is refusing to rebate these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Logged into my online banking, but it say I am blocked by TD Bank external?

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have four credit accounts through XXXX XXXX   which has continuously lowered available credit amounts, and ultimately affecting my credit score. I received a letter from them stating that based on my credit report they are closing one of the cards I have with them .... that has been paid off for months. This company contributes to poor credit ratings of consumers by continuously lowering available credit limits which looks bad on credit reports and closes accounts that are paid off.

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 11-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with BYL Collection Services (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I sent BYL services a debt validation letter and they have yet to respond. Needless to say this is an invalid debt and does not below to me. I will seek legal ground if I have to because not only have they violated the FCDPA by not notifying me and giving me 30 days to respond to this debt. It read as XXXX on my credit report. I do not know what that company does at all. 

I sent BYL services a debt validation letter XX/XX/2016 and it was delivered and signed for. XXXX attached. 
And I did not receive a response. This is also the XXXX violation of the FDCPA and FCRA. 

The fact that it is still reporting on my credit report is another FDCPA violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: As part of the usual annual re-certification process for income-drive repayment plans, I submitted requested documen ts ( t ax returns, etc. ) to FedLoan Servicing in order to have my new amount calculated based off last year 's income. All documents were submitted on time ( in  XXXX , for a new amount to take effect in  XXXX   ) . On  XXXX / XXXX / 17 , FedLoan sent an email notifying me that they had received my re-certification documents ( proof of email attached to this complaint ) for my repayment plan. Several weeks later, I called FedLoan for an update. No information was provided as to when I may expect the process to be complete. On  XXXX / XXXX / 17 , I again contacted  FedLoan  via email as to an update on the process. I have yet to hear back any respon se. My 12-  month  period for paying my current amount will cease this month, with a new calculated amount to begin  XXXX ,  2017 . Furthermore, and at the same time, I have had an issue with FedLoan re-certifying my employment. As this is a separate ( but still relevant ) issue, I will not go into details as it has since been remedied after a complaint to the BBB was filed. I have yet to receive any update whatsoever on my newly calculated monthly payment and a new amount is to begin in  XXXX . If a new amount is not calculated/entered into the FedLoan system, my payments will revert and sky-rocket thousands of dollars per mont h (  loans totaling  250k+  ). I need your help, as this is an ongoing and burdensome issue th at FedLoan seems to have zero interest in remedying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On the week of XXXX XXXX I spoke to XXXX XXXX XXXX with XXXX XXXX XXXX, XXXX and she told me that after I take care my account with them they would update my credit report reflecting my account is closed and have a XXXX balance and is paid and satisfied and also mail me a letter stating that as well after XXXX business days they receive payment. On XXXX XXXX I made payment like we agreed and called to follow up on XXXX XXXX since I noticed information and remark that was added on my credit reports from XXXX XXXX that is not accurate. I spoke to account manager XXXX XXXX who stated that she would have to pull the recorded message so she can verify that the information I gave her were true. After she obtained the VM to verify she said XXXX XXXX will update my account to reflect that my balance is " XXXX '' and that my account is closed and paid and satisfied as agreed.

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 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOWER LOAN OF MISSISSIPPI, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had an installment loan with Tower loans the original term was 15 months I paid the account in full on or around the XXXX XXXX XXXX 2017 and was told the account was paid in full and closed. On reviewing my credit reports through XXXX the XX/XX/XXXX the account was still reporting as open. I filed a dispute with XXXX and XXXX XXXX through XXXX XXXX who said that they investigated it and there was no change. I submitted a second time and on XX/XX/XXXX Tower Loans updated and said I have a balance of {$1400.00}. I called a local branch of Tower Loans spoke to the manager who told me that their corporate office submits the credit information and it may take them 90 days to do it. I asked for the number for the corporate office and he hung up on me.

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 09/26/2017 about Vehicle loan or lease (Loan) with American Credit Acceptance, LLC (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: This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX XXXX  and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the XXXX XXXX District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Money transfers (Domestic (US) money transfer) with WELLS FARGO & COMPANY (TX).
Issue: Fraud or scam

Complaint: Contacted a firm - XXXX XXXX ( seller ) whose email had unknowingly been hacked, to inquire about a product ( XXXX ) for sale, unbeknownst to me ( buyer ) & seller, an intermediary was relaying email messages between buyer and seller. At the point the seller sent bank wire info, intermediary substituted the Email attachment with correct bank info with his own attachment with intermediary 's fraudulent bank account information. 

I issued recall request with my bank ( XXXX XXXX XXXX XXXX ) but the receiving bank ( Wells Fargo ) denied the request to return funds ( {$8200.00} ) despite stating in their formal response that account holder name and account information did not match the beneficiary information in the wire transfer.

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