milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (TN).
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: Reporting inaccurate and unverified information from American Education Services, who has never send me my written contract bearing my signature, in addition, have placed numerous lates on my consumer file even through i was in forbearance and deferment. Currently, I have a submitted a borrower 's defense case against them, I attended XXXX University. It has been over 6 months dealing with XXXX and XXXX. XXXX deleted this account because it could not be verified. XXXX and XXXX took off this account off my credit report and illegally put it back on!!! 
XXXX XXXX has said it will remove my account due to identity theft which was file with the ftc, case number XXXX. Il XXXX XXXX XXXX and family service has not verified in writing. XXXX XXXX which is reporting XXXX XXXX which is including in my ftc identity report file case number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (CA).
Issue: Closing on a mortgage

Complaint: OnXX/XX/XXXX, and XX/XX/XXXX, through on line banking from my bank ( XXXX XXXX ) two payment of {$50000.00} EACH, went to a closed the CITIMORTGAGE  account, ACCOUNT # XXXX, the trace number for each transfer is XXXX processing Dated XX/XX/, with code of XXXX, and another one with trace # XXXX Dated XX/XX/XXXX 
The XXXX XXXX and their 3rd party on line banking can not get any help or respond from citimortgage to return the money bak. 
they have been trying formXX/XX/XXXX till now and no respond is giving to the,. 
I have called and faxed many times to citi morgage representative and send many request, to get my money back to my account and unfortunatley did not get any respond back from the. 
citimorgage Tel # is XXXX XXXX, and their Fax # is XXXX thanks 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 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have had 2 previous occasions where my credit score has dropped within the last 2 month on only my Trans Union report. The first time it dropped exactly 20 points and no reason or justification was given, 2 weeks later the points were partially returned to my score. The second time the score dropped exactly 30 points and again when I inquired to Trans Union and XXXX XXXX I was told there are several factors involved. However no one could define those exact factors and why the sudden drop. While these events occurred all factors remained in moving toward a positive direction and my other reporting agencies increased scores using the same factors. In both events the points were returned a week or two later to my score. 

Then on XXXX my score dropped 43 points with just Trans union, they are still unable to provide any detail or reasoning for this. Just that there are several factors involved ... I ask these factors and they can not provide one. There are no items that have adversely changed on my credit reporting. I have no issues with other reporting companies and my credit scores continue to grow. But I feel there is unethical activity on my personal account with Transunion and not one of my consumers.

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 06/17/2015 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Credit decision / Underwriting

Complaint: My Wife and I live in a small rural community in GA. We applied for a 30 year fixed rate mortgage on XXXX. We received confirmation that our request had been approved and the current interest rate locked in - subject to further processing, verifications, an accurate and adequately supported opinion of the market value of our property, etc. My Wife and I met with the Lender 's approved appraiser and she performed an in-depth inspection - all the time complimenting the various upgrades and design additions we had made - all, in accordance with current code requirements. We eventually received a copy of the appraisal which was indeed {$12000.00} more than the 80 % requirement for our loan request. My Wife and I inquired if the estimated loan closing costs could be reduced if we further reduced our requested loan amount - we were expecting State and Federal Income Tax Refunds. Our Mortgage Loan Officer responded by a voice-mail message and e-mail, that if we reduced our loan request to 75 % of the Fair Market Value - as supported by their appraisal - there would be {$0.00} closing cost, if we would agree to take an interest rate of 4.000 %. My Wife and I applied all of our tax refund dollars to the principal balance in order to reach the 75 % loan-to-value amount. On XXXX, we received a new Good Faith Estimate indicating the reduced loan amount, " higher '' closing costs and a different interest rate! My Wife and I began a crusade of telephone/e-mail communications to ask for clarification, but no one would respond - not, the mortgage loan officer, the assigned loan processor, or their individual supervisors. On XXXX, via snail mail, we received a " Notice of Action Taken '' dated XXXX that simply stated, " We 're unable to approve your request for a Home Loan because : The TYPE of property or the CONDITION of the home is not acceptable. '' The effective date of the Lender 's appraisal was XXXX! We believe that if this scenario is investigated, it will support the fact that there exists mortgage credit discrimination within XXXX XXXX XXXX Appraisal Documentation Guidelines which " deny '' equal opportunity/fair housing lending in small rural communities. PLEASE INVESTIGATE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: Over the long Holiday weekend my account fell below the balance needed. XXXX minus. So on Saturday XX/XX/XXXX I went to the bank and deposited XXXX into the account and brought it to about XXXX positive. It remained positive and was enough in the account to cover all small incoming. On Tuesday my account went to XXXX positive to minus XXXX of overdraft fees. I called Bank of America and asked for help in the matter. During the conversation the lady asked me where I lived and I said XXXX XXXX Ca. She replied Oh that 's the wealthy part of Ca. Which is untrue. I replied I 'm on XXXX for a XXXX like really? She declined to credit and charges cause the computer says so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/31/2017 about Vehicle loan or lease (Lease) with Westlake Services, LLC (AZ).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: Westlake financed a car for my now deceased mother. Westlake repossessed the car XX/XX/XXXX. No email, letter or phone car was given of repossession or knowledge of account so payment arrangements could be made. The car was repossessed by a company that rides around neighborhoods scanning tags. In trying to communicate with Westlake financial to receive a balance owed, persona items within the car and request a public auction The company received authorization from me, the death certificate. They 've denied our request multiple times. My items are being held. The company is not following e

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: lIEN NEEDS TO BE REMOVED AND MY SCORE REINSTATED ... .STATE OF MARYLAND HAS CONFIRMED THIS IS AN ERROR DOCUMENTATION ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: There was offer from XXXX XXXX XXXX XXXX XXXX ( XXXX ) card last year that adding each additional authorized user with the spending requirement I met would give main card holder XXXX XXXX per person. I added 3 users for total of XXXX XXXX, but so far I got only XXXX XXXX on XX/XX/2017. 
I 've waited 4 months so far and they are not giving me another XXXX + XXXX = XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I made a deposit of {$1300.00} in a mix of {$2.00} bills, {$1.00} coins, and {$.00} coins right before XXXX. However a few weeks later my online banking account said that I had a withdrawal of {$300.00}. I called to check with the bank as I had barely touched my account since the deposit. It turned out that the deposit that I had made was incorrect? I keep on getting pushed off to the bank manager then to customer service phone calls and vice versa. I counted every coin into every coin wrapper, so I should know if I was {$300.00} short. Plus it said that I was {$.00} short which does n't make sense at all considering I only deposited {$1.00} and {$.00} coins.

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 07/27/2017 about Checking or savings account (Checking account) with WASHINGTON FEDERAL, NATIONAL ASSOCIATION (NM).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: XX/XX/XXXX XX/XX/XXXX Submitted Fax by, the Company (XXXX XXXX) > In' an Apology to Washington Federal Bank for a Point of Sale Charged "Twice".

($386.26) XXXX

> Is' Refusing to Send Me A Copy of the Statement In Error by the Company (XXXX XXXX).

This is' Auspicious Behavior in an Intent to Submit a Letter to the Bank during, a Period that' a Secured Visa was being Issued to me from XXXX XXXX/Washington Federal/XXXX XXXX.

A Made Cause to Make Claims in an Entitlement of' Monies.

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 12-10-2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing disputes

Complaint: 1. Macy 's billing department has been harassing me via phone, mail and collections agency regarding a credit card balance which I PAID IN FULL on XXXX/XXXX/2015 in the amount of {$260.00}. 
2. I had called, emailed, and submitted several customer service emails ONLINE to report a problem with the types of bills they were sending me. 
3. Although I had been paying my bills ONLINE for several years, the online service suddenly became unavailable, preventing me from making payments online. I reported this many times, i.e. customer service, email, yet the problem persisted. 
4. Although I received no acknowledgement of my reports or complaints from Macy 's, I then started receiving PHOTOCOPIES of bills in the U.S. MAIL. 
5. Again, I called numerous times and reported this but the photocopies continued to come in the mail. 
6. During this time, the late charges/fees continued to accrue on my account. 
7. This complaint was made by me IN WRITING to Macy 's with PHOTOCOPIES of the bills I had been receiving. 
7. Finally in XXXX, 2015, I decided that I would pay the entire balance and asked them to credit late charge. 
8. On XXXX XXXX, 2015, I paid the full balance of {$260.00} minus a {$25.00} late fee, at which point, the account was at XXXX ; information that was confirmed on the phone with a customer service representative. 
9. I finally received a response/confirmation letter from Macy 's on XXXX XXXX, 2015 stating that interest charges and late fees would be credited. 
10. The letter was sent from XXXX XXXX, XXXX. XXXX XXXX, XXXX, Ohio XXXX, XXXX. 
11. At that point, I closed my file and considered the problem resolved. 
12. However, several weeks later, I started receiving calls at all times of the day ( usually one in the morning and one or two in the evening ). 
13. Initially, I would take the calls and tried to explain that I had paid my bill in full in the amount of {$260.00}. 
14. However, the calls kept coming, and finally, the account went into Collections. 
15. For the past few months, I have started receiving ORIGINAL bills from Macy 's for late charges/fees that they were STILL charging despite my payment in full on XXXX/XXXX/2015, and their letter dated XXXX XXXX, 2015 confirming that late charges would be credited.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/15/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: They are not licensed to collect in the state of MD. I will upload their information for proof!

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Using a debit or ATM card

Complaint: In XXXX I was vacationing in XXXX XXXX XXXX XXXX. I experience identity theft and my account was charged almost {$600.00} I filed my fraud claim with Bank of America and they came back and said because I had made purchases the same day the fraud had occurred with the same merchant the frauduelent vendor had also used that they are unable to determine if any fraud has occurred. This is why we sign receipts, the bank is not doing their due diligence and im out {$600.00}. Because every vendor in XXXX uses the same merchant that should n't be my problem. Please help

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 02/19/2016 about Bank account or service (Checking account) with DISCOVER BANK (OH).
Issue: Account opening, closing, or management

Complaint: In XXXX of 2015, Discover Bank 's customer service person advised me by phone that, following 3 different months of writing more than XXXX checks/month on my money market checking account, I had reached the limit, and that a XXXX month would cause this account to be closed. This message was confirmed in a D. B. letter dated XXXX, which I received in early XXXX. I then wrote XXXX checks, including XXXX to the IRS for XXXX XXXX estimated tax payment due XXXX. 

However, on XXXX, I learned that this account had been closed XXXX when D.B. sent me a check for $ XXXX. The consequences of D.B. 's actions were : fees for returned checks from the closed account ( including XXXX for {$270.00} by the IRS ) ; stress caused by D.B. 's NOT advising me that the account was being closed on XXXX ; desperate attempts were required to provide funds for other checks, even though the money market account funds were sufficient ; even though I was told that a XXXX month of XXXX checks would trigger a closing, I lost control of my personal finances unnecessarily. 

The injustice of this is obvious to me, especially because I also have a regular checking account with D.B., into which D.B. could have transferred the $ $ before closing the money market account. This I could have arranged, if I had known before the closing that it would happen. The financial penalties ( exceeding {$300.00} ), plus the aggravation when several checks were returned for insufficient funds that were totally unnecessary should be borne by D.B. I have kept records of the transactions named above until this matter is resolved to my satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Nothing was sent to me in writing about this debt. I got knowledge of it when I check my credit score this morning and this debt went into collections.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Incorrect Name : XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

Incorrect Social Security Number : XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this SSN and any accounts associated with it for violating the FCRA. 

Incorrect Address : XXXX, MD XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX, MD XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA.

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 08/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On XXXX XXXX my bank submitted a check to Navient to pay student loans on my behalf. Navient failed to correctly process the check and it was not reflected on my account. I called Navient and had the representative submit a help ticket to find the check and deposit it in the account. On XXXX XXXX I called Navient to check on the status only to find the check was found and sent back to the bank on XXXX XXXX against the instruction to deposit the found check into the account. Now I need to wait for the cancelled check to be returned to the third party and need to pay Navient the interest on the loan that was not paid off because of Navient 's failure to properly process the check ( even though they were able to find it during the help ticket investigation ). Navient charges a {$15.00} fee on late payments on loans but fails to quickly and correctly apply funds with their self-designed check processing system. Navient also fails to notify customers who require help tickets when there has been a status change on the ticket. Finally, Navient continues to charge interest on loan amounts that would 've been paid off had their processing system operated correctly. I have had to speak with 4 separate call center representatives that have no power to help me and can only submit internal, untraceable, and unaccountable help tickets that are not seen by the customer. Navient has taken deliberate efforts to limit communication and speed of response with their customers for financial gain through interest on loans not processed correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: They have reported on my credit report XXXX accounts that are still open and not showing paid. XXXX for Synchrony Bank/Care Credit and the other for XXXX XXXX XXXX. XXXX have been paid, Care Credit XX/XX/XXXX and XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am in the process of buying a home and realize there is a lot of inquiries on my credit report that I did not authorize. I have contacted the companies and none of them have a written consent from me to run my credit. These are not factual inquiries they are identity theft inquiries. here is the list of inquiries that need to be removed :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 non-monetary relief