milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-08-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have recently pulled my credit reports, due to interest in buying a house. I have noticed that there are XXXX bankruptcies reporting on my credit report, and this is inaccurate information. I have called the bureau to report this information as inaccurate and they told me that the information can not be removed or disputed. I have since wrote the Clerk of Courts, and they responded to me with a letter saying that they have never verified this information given, and they do not verify such information with the credit bureaus.

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 01/17/2018 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: My XXXX XXXX was deemed a total loss after an accident on XXXX/XXXX/XXXX. My insurance carrier, XXXX, issued GM Financial a check to pay off the vehicle in the amount of {$22000.00}. A copy of this check was emailed to me and, to confirm, XXXX stated that this check was cleared/cashed by GM Financial on XXXX/XXXX/XXXX. When I log into my GM Financial account online, it still shows that I owe my XXXX lease payment ( due on XXXX/XXXX/XXXX ). When I called the number listed to speak to a staff member regarding this billing error, I was told that they do not have any record of this check. Even when I confirmed that they had cashed the check and are now double-billing for the car, they suggested that I contact XXXX ( who has n't done anything wrong ) to fix the problem. The staff I spoke to in three separate instances yesterday offered no help in how to go about fixing my account. I want GM Financial to correct their error to show that I owe {$0.00} and to also issue a letter stating that they will correct any adverse reports submitted to any credit reporting agencies because as of today, XXXX, they are stating that I am late on my XXXX XXXX lease payment.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (CT).
Issue: Application, originator, mortgage broker

Complaint: Every few weeks I receive a call from my mortgage servicer, PennyMac, offering to refinance/restructure my existing loan. My current loan terms are {$510000.00} in remaining principal on a 30 year fixed mortgage at 3.5 %. I am 3.5 years into my mortgage and it was an FHA loan which means I am subject to PMI until I reach XXXX % LTV, which is supposed to occur in XXXX 2019. 
The promise on the sales call is always that I will be able to reduce my payments by starting a new loan. However, it naturally begs the question, " Why would the entity which holds a mortgage commitment *voluntarily* offer to make less on a loan commitment which I am legally obligated to? ". When I find out the specifics of the loan offer and run the numbers myself I always inevitably find out the same thing ; I would be paying MORE money by restructuring the loan. The main reason for this is that new FHA streamline loans, which are what 's being offered on these calls, call for PMI for the life of the loan rather than the old FHA loans which required PMI to XXXX % LTV like I currently have. Adding up the additional payments results in tens of thousands of dollars in additional money paid out over the life of the new loan, even though the term length of the loan is even shorter than the remaining length of my current loan and the offered interest rate is a quarter point less! 
My complaint stems around the fact that I am a relatively sophisticated consumer with a financial background. I am worried that the average consumer would never tumble onto the fact that they are being given a high pressure sales pitch that results in them paying vastly more for their mortgage even though their monthly payment is lower. This seems highly unethical to me and I would like for the CFPB to so some research into whether this is legal and, if so, whether it should be in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I called XXXX 2017 to voice concerns to XXXX XXXX XXXX XXXX that I was unable to set up my monthly payment online due to a system error on their website. I also told them that had recently been XXXX for military service. They told me that they understood the situation and I made my payment immediately over the phone. Two weeks later that marked my account 30 days delinquent. This is unfair due the fact that I was unable to make my payment online.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Problems caused by my funds being low

Complaint: Contacted Bank of America about NSF fees. Explained that XXXX creditors XXXX and XXXX XXXX had double debited my account and the reversals of the second debit were in process with XXXX companies. I advised that this situation had caused my most recent overdraft situation and would like some concession of NSF fees at {$35.00} each. Representative read me the relevant disclosures about keeping sufficient balances in my account etc. Since overdrafts are decisioned electronically the cost to the Bank is in the pennies at most. The cost to their customers however, is {$35.00} each. This seems to be an exorbitant profit margin on that " product ''. The profit on the forced sale of bank penalties is probably in the 5,000 % range over the cost of providing the " service ''. The bank should have the strategy and the process in place to quickly and efficiently process alternative ways of responding to its NSF policy and strategy when long time customers clarify a real life, verifiable, predicament. This NSF revenue or profit center is a dishonorable way of making profits and delivering shareholder value for a large publicly owned institution.

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 06/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (MI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: RE : XXXX XXXX XXXX Bank Credit Card issued to XXXX XXXX XXXX and XXXX XXXX XXXX In XX/XX/XXXX there was NO correspondence whatsoever pertaining to any balance. Our card was paid in full with no balance. We received no emails whatsoever, nor did we receive any actual mail through the USPS. We validated all forms of contact and identity. The first we heard of any kind of amount due was a late/collection notice in XXXX, stating the annual fee was due in XXXX/XXXX. There had previously been no lates, no balance, nor any annual fee charged in previous years. When we tried to further inquire, US Bank stated we needed to mail them a letter requesting the reversal of the late charge ( s ). We did so immediately and never heard back. In XX/XX/XXXX we received a statement with a XXXX balance, with XXXX amount due. In XX/XX/XXXX we received a statement, citing {$78.00} due, of which {$29.00} was a late charge. When we called in to speak with US Bank, one of the 2 supervisors we spoke with stated that on the back of the XXXX statement that showed a XXXX balance it noted that the {$49.00} would soon be due. There was no statement in between no amount due, then annual fee and late charges issued ( from the XXXX to XXXX statements ). We were never presented the opportunity to pay the annual fee in advance, in either instance. My complaint and desire for resolution is for US Bank to remove any and all lates reported to any and all credit bureaus for XX/XX/XXXX and XX/XX/XXXX due to deceptive inconsistent communication leading to unwarranted credit issues. We have made sure that the USPS always had and continues to have a mail forward on file to avoid such issues while we purchased our home. No other cards or accounts have had this issue.

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 06/17/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Application, originator, mortgage broker

Complaint: I responded to an email from Wells Fargo to refinance my home mortgage. The email stated how easy it would be since I was already a Wells Fargo customer. Wells Fargo purchased my mortgage last XXXX. I spoke with a mortgage specialist. He obtained my credit report. After going over my credit report he said there looked to be no problems, that we needed to proceed, and we should close in approximately XXXX days. He said we needed to order an appraisal of the house and said there would be a {$500.00} fee for that and I needed to pay it immediately. I paid the {$500.00} ; the appraisal was performed by a Wells Fargo employee. Then I heard nothing. The mortgage specialist then said the underwriter was looking at a short sale I was involved with in 2011 when I sold my home in XXXX, Michigan. He said the underwriter wanted proof the house was sold. I submitted the requested documents. Again a period of silence, I inquired about the status of the loan and was told Wells Fargo was rejecting the loan application since XXXX years had not passed since the short sale. The XXXX year anniversary will be XXXX XXXX. However, Wells Fargo purchased my mortgage last year when I was only XXXX years removed from the short sale. I fail to understand how I was a good credit risk a year ago, but I am unqualified now. I have never been late or missed a payment ; my income-to-debt ratio is the lowest it has ever been ; the loan-to-value is 52.32 %. Wells Fargo faced very little risk if they made this loan. 
My grievance is that the mortgage specialist had my credit report. The credit report shows the negative short sale of 2011. He stated that everything looked good and we needed to proceed. If there was a question of my creditworthiness there was no need to rush ahead with ordering the appraisal. My creditworthiness should have been ascertained prior to ordering the appraisal. It was nothing short of a money grab by Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/15/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 've attached a PDF that explains what I 've attempted to have removed from the XXXX credit bureaus. My XXXX frustration and complaint is the inconsistency of reporting between the XXXX bureaus.My XXXX frustration and complaint is the inability to remove someone else 's public record ( Judgement ) that is on XXXX of XXXX of my reports. My final frustration and complaint is the fact that there are multiple levels of credit reporting and scoring ( consumer and industry ) that are only available to industries such as Mortgage, Credit Cards, and Auto. These industry level credit reports vary greatly from the consumer reporting and scoring. And they are fraught with errors greater than the consumer reports. In my case the mortgage credit report has scores 25 % lower than my consumer report and the XXXX public records on my consumer report are duplicated to show XXXX public records on the mortgage report. XXXX has someone else 's address and refuses to correct it to my address and they have XXXX public records that have {$0.00} as the amount ... yet they refuse to remove. These public records are explained in the PDF I 've uploaded to you and they need to be removed ASAP. XXXX has removed the judgement XXXX XXXX of XXXX public records ). Experian also refuses to remove the XXXX public records. The only good news is that on my consumer reports a XXXX lien of {$120.00} was removed by all three consumer reports BUT is present on my Mortgage report ( All XXXX Bureaus ). In other words, the XXXX bureaus remove the {$120.00} lien that was in error, but kept them on the mortgage reporting and scoring!! So, in conclusion I see no purpose or value to the consumer reporting and scoring since the lenders, be it auto, mortgage or credit card, have significantly different scores and reports from the same XXXX bureaus ... and removing from the consumer products does n't guarantee removal from the industry product. This is so unfair on every level. And the consumer has no access or ability to contest or correct the industry level credit reports or scores!! Government needs to simplify and create an oversight department that governs them and keeps them honest. Please read my PDF and help me. After 37 years as a XXXX I 'm prohibited from getting a mortgage due to errors on my consumer reports and inequalities with errors on my industry reports with with only foreigners and non-US citizen to deal with over the phone and via mail/fax. That 's the strangest twist of this entire story. People outside of the USA are making decisions for US Citizen 's credit woes!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I 've been having an ongoing dispute with a merchant who did not provide me a service and product that I purchased. I 've contacted them multiple times for over a month to get it resolved, but they did not help. 

I then contacted chase claims to try and get my money back through them. Yet after many days and long hours of providing information they asked for and providing all the proof they asked for, they denied the claims and are keeping the charges on my account. Therefore, I lost {$13000.00}. 

Chase 's reason is that it is a billing dispute that I need to handle with the merchant. Although repeatedly, I stated that I did not receive what I had paid for, so it is not a billing issue. 

I went through the reassertion process to get the claim reopened and provided everything they asked for. They said if I provided everything they asked for, it should be reopened. Yet, they came back with the same response, saying it 's a billing issue and can no longer be reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problems when you are unable to pay

Complaint: I received a letter from Capital One Auto Finance stating that I have to pay the full amount of XXXX are they will repose my vehicle. Earlier this year I called as well as emailed asking for an additional 6 months to pay for the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (DE).
Issue: Making/receiving payments, sending money

Complaint: I wrote a check for {$140.00} to pay my XXXX XXXX acct. XXXX never receive the payment and later found out that the check ended up at XXXX Bank and had been cashed. I reported this to my bank TD Bank located on XXXX XXXX in XXXX, DE they give me the run around for months. I did all they requested of me. Lastly I filled out a document and was told an investigator would call me. He never called. I reopened the case again and give them the reference number given to me the first time I made the complaint. I was told they could n't find any record. I filled out the same document and was told again an investigator would call in about a week. No one called and two months had passed. I called them and was told by XXXX that there was nothing they could do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-05-2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I was referred t o Santander Bank  by a friend and they were offering a  XXXX  for referring a friend to their bank. Also in the mail I received a promotion that if I opened an account they would deposit  XXXX  within 90 days of account opening. The account was opened on  XXXX / XXXX / 2017 . Within 90 days you needed to have a direct deposit of  XXXX  or more and within  3 we eks of the account being opened, a  XXXX  direct deposit was made which satisfied this offer. About 70 days from account being opened I received a  XXXX  gift card since my friend referred me. Now this was something you do on a website and they system notices an account was opened. When I opened the checking account, the banker placed the offer code in for the  XXXX . I recently called the branch and they said you could use both offers which I never was asked which one I wanted. This seems like a scan to bring in business and they you do not get what they promised.

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 09/30/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Back in Fall XXXX, Navinet contacted me rudely stating a loan was due. I stated I was currently in school and faced with other situations ( paying down a debt from my daughters medical bill ) and could not make the payments. Instead of offering assistance - forbearance, lowering payments, etc. they rudely stated that it would go on my credit report, etc. 
I struggled to gather the money to make the payment, but it did n't stop. Month after month and it is still going on. No help, no assistance just rude demanding phone calls to collect my payment or else it will go on my credit report - which it has. 
I just know noticed they took money that should have went to 2 loans ( I have three in total, 2 were activate at the time of this ) and they applied entire payments towards one loan instead of splitting the payment - making me " miss payments ''. Here I was making payments thinking I was helping pay down both loans ( which I actually never knew about since they only told me about one, the one from XXXX ) and they were applying payments towards another loan. 

Here is the payment schedule : Contacted rudely - Fall XXXX XXXX - XXXX Loan : ( the loan there were applying all the $ towards at times ) Date Description Principal Interest Fees Total XXXX/XXXX/XXXX Payment - 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 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 response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Hello - I signed up for a trial of Experian XXXX XXXX XXXX but when I tried to cancel it I was put on hold for XXXX minutes and then had to hang up. I am on hold again as I write this -- so far I am on hold for XXXX minutes. I have written to their offices in XXXX XXXX, CA and XXXX, Texas trying to resolve this rather simple matter. I will attempt to attach copies of these letters. 
I seek a refund of {$24.00} and more importantly want them to stop billing my credit card. 
The real crime is amount of my time they have wasted. 
More informally, this really smells of " scam ''. 
I am considering bringing them into a local court and also notifying my XXXX Congressman and and my XXXX Senator. I have a strong suspicion these guys are routinely ripping off Americans.

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 06/28/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Using a debit or ATM card

Complaint: Citibank had a promotion for getting XXXX XXXX mileage. 
Copy of promotion will be attached. 
I opened the account on XXXX XXXX 2015. 
I was supposed to make $ XXXX Debit card purchase within 60 days but Bank did not send me card until XXXX XXXX. i asked my banker about it and he said they will give an extension. 
I completed debit purchase by XXXX XXXX and fulfilled other requirements but because of the delay in debit card purchase caused by bank delay I am being punished and I am not getting my XXXX miles.

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 11-11-2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NV).
Issue: Fraud or scam

Complaint: I have been scam on a XXXX scam. I was selling my guitar for {$200.00}. A person contacted me said his name was XXXX and wanted buy my guitar. He sent me a Cashiers Check for {$1400.00} saying the extra money was for his movers. He requested I send the extra money {$1200.00} to his movers via XXXX. He had me send it to XXXX Maryland XXXX. XXXX number he was texting me on is XXXX.

Company response to consumer: Closed with explanation