milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2017 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am unable to access my free annual credit report online. I have tried several browsers and different computers on more than one internet connection. Each time, I receive an error stating, " A condition exists that prevents us from being able to accept your request at this time, '' with further instructions to call or mail in a request for the report. Those options do not meet my needs. I would like for this federally mandated program to work, as described and as advertised. I am not comfortable mailing my SSN through the mail or typing it in to an automated phone bank. I do n't care to wait 4-6 weeks for my report, when it should be available to me immediately via the web.

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 07-06-2016 about Bank account or service (Checking account) with BB&T CORPORATION (LA).
Issue: Account opening, closing, or management

Complaint: BB & T decided to close a bank account for which I was using their paperless program. Because I was given no warning of the account closure, I do not have copies of my records. I need the information from my account in order to do my taxes. They 're now trying to force me to go to my local branch and print physical copies, for which I would be charged {$5.00} per page and {$5.00} per check. As I had several checks daily, this is an overwhelming amount of money for my small businesses. Also, I do not see the point of printing these records, digital is preferred. The following account is affected. 
Name : XXXX XXXX XXXX Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Other debt) with SYNCHRONY FINANCIAL (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX an account showed on my credit that belonged to someone else and not myself. I have tried to have it removed since. The debt has since been paid by the person that owed it but it still shows as a collection on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (WV).
Issue: Problems when you are unable to pay

Complaint: I feel that I 'm paying more than I should.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Student loan (Federal student loan servicing) with GRANITE STATE MANAGEMENT & RESOURCES (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Granite State Management & Resources ( GSM & R ) is the loan service provider to whom I will be making payments for the next 6 years. I believe the company has a practice of purposefully delaying the initiation of loan payments in order to collect more interest on the debt they own. 

In XX/XX/XXXX I completed the required financial aid exit counseling on https : //studentaid.ed.gov/sa/,  and I selected an income-driven repayment plan. I chose this option because, based on the studentaid.ed.gov training, this plan would result in the lowest interest payment over the life of the loan ( saving me approximately {$20000.00} ). I selected the REPAYE plan, and I stated that my income would be {$85000.00} beginning in XX/XX/XXXX. I started working two weeks after graduating, and I was expecting to begin making payments immediately. On XX/XX/XXXX, I received a letter from GSM & R, stating that my loans were in the 6-month grace period, and that GSM & R had placed my income-driven repayment plan request on hold. 

I did n't question this delay, but I should have. On XX/XX/XXXX, I received a letter stating exactly the following, " As you requested, we applied or updated an income-driven repayment plan for your qualifying student loans. Your qualifying federal student loans are on an income driven repayment plan. Your monthly payment amount for qualifying loans will be {$0.00} for 12 months, beginning XX/XX/XXXX. The letter literally said, XX/XX/XXXX. 

When, I called GSM & R and asked to begin making payments immediately, I was told that I would have to submit a request the REPAYE plan again via https : //studentaid.ed.gov/sa/. I did this. Today, XX/XX/XXXX, I spoke with a GSM & R representative who confirmed that they had received my application for the REPAYE plan. They told me that it would be processed in 30 days. 

Based on this experience, I feel that GSM & R is trying to maximize the amount of interest in collects from graduates by nudging them into a position where they delay the initiation of loan repayment for as long as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Debt collection (Credit card) with Financial Business and Consumer Solutions. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: -- On XXXX XXXX, 2016, I submitted a complaint through the Consumer Financial Protection Bureau online complaint submission form, which is quoted below : " Received multiple missed phone calls from Debt Collector, they did not leave voicemails. 

I called

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I bought a coin from XXXX XXXX..I placed payment with my credit card company.. I did not receive product after reasonable time and placed a dispute with credit card company and payment to XXXX XXXX, XXXX TX. After extended time and communication with XXXX XXXX.. Received product. I called both credit card company and XXXX XXXX to release funds to XXXX XXXX. All XXXX had to do was contact my credit card company and funds would be released.. They failed to do that.. I contacted XXXX XXXX and they said they never ran into this problem and did n't know what to do ... Ha Ha ... I then contacted my credit card company and they cancelled the transaction. I then sent XXXX XXXX a check for the full amount. It was sent Priority Mail with delivery confirmation. It was delivered on XX/XX/XXXX ... As of this date they have not cashed the check ... .... But they did turn my name over to a collection agency Caine & Weiner ... That company wants payment threatening to send in a negative report to the credit bureau ... Along with that phone calls.to my home and cell .... I have attempted to pay XXXX and for whatever reason they will not cash my check.. I have no intention of paying to have the check cancelled and sending one to this supposed collection agency.. I just want them to cash my check and leave me alone.. FYI there are an outlandish amount of alerts for deceptive business practices filed against XXXX .... Not sending products paid for .... Saying products returned were nothing but empty envelopes .... Changing prices for products after purchase ... An interesting note is XXXX XXXX will not respond to communication attempts ... However they did send my name to a collection agency in less than 45 days from my initial purchase .... And without contacting me first .... A little quick on the trigger ...

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: A request for an investigation was sent XXXX/XXXX/16 to Experian and it has exceeded 30 days. I have not received any status update nor investigation results which is a violation against the Fair Credit Reporting Act.

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 04/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: IN REGARDS TO XXXX : XXXX. XXXX XXXX XXXX GA XXXX, XXXX : XXXX. XXXX XXXX XXXX TX XXXX, TRANSUNION XXXX. XXXX XXXX XXXX, PA XXXX I'M TRULY APPALLED ON HOW 3 CREDIT BUREAUS ESPECIALLY XXXX HAS BEEN CONDUCTING THEIR INVESTIGATION PROCESS AND THEIR VALDIATION AND VERIFICATION PROCESS AS WELL. I NOTICED THAT I HD BEEN A VICTIM OF IDENTITY THEFT DUE THO THE XXXX BREACH OF DATA AND HAVE BEEN TRYING TO CORRECT SOME ISSUES THROUGH THE AGENCY, BUT I KEEP GETTING PUSH BACK FROM THEM WHEN IM CLEARLY TITLED TO A FREE ANNUAL CREDIT REPORT OF 12 MONTHS. NOT THE CASE HERE I FOUND THAT XXXX  HAS MY SOCIAL SECURITY NUMBER WRONG LINKED TO SOMEONE ELSES AND THEY REFUSE TO SEND ME A COPY OF MY FULL REPORT. I CALLED IN AN VERIFIED AS WELL AS SENT LETTERS CERTIFIED AND FAXED OVER DOCUMENTATION PROVING THAT, I AM WHO I SAY I AM. I PROVIDED A COPY OF MY LICENSE AND SOCIAL SECURITY CARD AS WELL AS A COPY OF MY BANK STATEMENT FOR EXTRA PROOF MY ADDRESS. I PROVIDED THIS NOW TO A BUREAU THAT HAS FRIVIOULOUSLY HANDLED DISPUTES AND MILLIONS OF AMERICANS PERSONAL INFORMATION. ONCE I FOUND OUT THAT MY SOCIAL SECURITY NUMBER WAS INCORRECT I IMMEDIATELY CALLED TALKED A REPRESENTATIVE AT XXXX THAT STATED IN ORDER FOR ME TO GET MY FULL CREDIT REPORT I MUST FAX OVER MY XXXX TO PROVE WHO I AM. 
HELLO WHAT THE HECK IS A COPY OF MY LICENSE AND SOCIAL SECURTIY CARD FOR? I'M LOST FOR WORDS AND SOMETHING NEEDS TO BE DONE ABOUT THESE BUREAUS MIXING UP PEOPLES INFORMATION AND REPORTING INACCURATELY TO SELL OUR INFORMATION TO MAKE A PROFIT OFF OF. I UNDERSTAND THE GAME THE BUREAUS PLAY WITH THE LENDERS AND CREDITORS, BUT AS A CONSUMER I HAVE MY RIGHTS. WHY WILL I FORK OVER MY XXXX TO A BUREAU THAT HAS BEEN COMPROMISED. I THINK NOT. MY IDENTITY HAS ALREADY BEEN STOLEN IM TRYING TO REPAIR IT NOW WITH ALL THESE SCAMS GOING ON IN TODAY 'S WORLD WHO CAN YOU TRUST.

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 05/13/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been paying the original loan now for over 12 years. Although they gave me a hardship plan I know that they continue to make monies from I debt already paid. How much interest are these companies allowed to extort. I am considered a high risk patient I no longer stand to be used. My initial sebt started in 2003.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian is reporting XXXX accounts that are older than 7 years. I tried disputing these account with the CRA but they refuse to re-dispute my request saying they were disputed 3 years ago. 

The following accounts have been reporting for longer than 7 years and are no longer being reported by the other XXXX CRA only Experian is choosing to keep them on my file and further more damaging my credit file, career and future. These accounts were disputed with both XXXX/XXXX and are reporting back as unverified along with the company agreeing with me that they would no longer report these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Dept of EDU 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 11-07-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Application, originator, mortgage broker

Complaint: Chase Mortgage, represented by XXXX, refused to accept my husband 's XXXX to which I am the Attorney in Fact. I sent XXXX the XXXX for the purpose of refinancing a XXXX joint ) mortgage. I wrote XXXX that Chase " is legally responsible to honor powers of attorney that have taken effect unless there is a fatal flaw such as a forged signature. '' I also reminded XXXX that since XXXX and I are current Chase customers, they have his signature on file for purpose of confirmation. 

XXXX replied " Unfortunately, we do not recognize POAs for the purposes of originating a new loan. '' It is my understanding that banks neither the legal right to refuse a PPOA ( without a fatal flaw ) nor are they permitted to have a policy of refusing PPOAs.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Credit reporting () with MIB Group, Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: The MIB member insurance bureau is subject to the FCRA under a credit-reporting auspice. They are a collective informational personal health collection agency used by the insurance companies to pool information. They have incorrect data about me, that used to be correct ( XXXX, for instance ) but they are unwilling to correct this despite my doctor 's notes and tests submitted. They wish to retain this patently incorrect information for 7 years. Their reevaluation process is laughable -- they contact the insurers and say " did you say what you said ''? And if the old information is confirmed to 'have happened ' that constitutes a reinvestigation in their minds.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: Other

Complaint: I have a Capital One XXXX Rewards card.Recieve 1 % cash back for every dollar charged. 
I redeemed {$500.00}, and recieved check XXXX.I failed to cash check within 90 days, and check voided.I called customer service, and was told my account would be credited {$500.00} within 90 days.That did'nt happen.I called again, and spent 2 hours being passed from agent to agent. 
Capital One has violated Terms Of Agreement by not refunding this money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was reviewing my credit report and I saw there was a {$100.00} debt from a debt collector for a co payment that I owe. I was shocked because I never received anything to pay the {$100.00} and no attempts to call me before they will report to my credit. I thought the debt collectors have to send you something in writing before they can do anything and give me the option to dispute if I choose. I received nothing!!!! I think this would be a violation of the FDCPA.

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 06-01-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (RI).
Issue: Account opening, closing, or management

Complaint: In XX/XX/XXXX, I opened a Citigold checking account with an offer stating I would receive XXXX Thank You points ( worth approx. {$500.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX Thank You points to be deposited into my account within 3 statement periods of meeting the requirements ( which was completed in XX/XX/XXXX ). I expected the points to post by XX/XX/XXXX. 

Since signing up for the account, I was charged XXXX monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited XX/XX/XXXX, Citi has pulled a bait and switch, and saying that I am not targeted for the offer even after confirming that I am. Now I have {$90.00} of fees and I will not be getting {$500.00} worth of Thank You points. I 'm not alone. Hundreds of people are in the same situation as me. I 've done google searches and found forums full of people having this problem. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. 

Citi did an investigation into the matter, and said that I am not eligible for an XXXX XXXX advantage promotion, which is not the promotion I signed up for. Citi 's Customer Service department has been professional ( at best ), and ignorant ( at worst ) about their own policies. Their IT and account management department is clearly not capable of tracking what promotional offers their new account holders sign up with, let alone be able to answer the questions they ask when following up.

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 05-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: After a prior complaint weeks ago to the CFPB, boa acted like they would send me a quote and let me reinstate. Now I see they are going to foreclose on me tomorrow, XX/XX/XXXX at XXXX. I am able to pay, but boa seems not to want to let me pay. They are trying to trick me into foreclosure instead of letting me pay. Please help!! 
This is retribution for my earlier complaint. I can pay if given the chance!!

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 04/20/2015 about Bank account or service (Other bank product/service) with U.S. BANCORP (PA).
Issue: Making/receiving payments, sending money

Complaint: XXXX 2015 : I called to make a payment on XXXX, asked the rep directly if they could waive any of the late fees from previous months since I was catching up from being XXXX payment behind. In previous calls trying to catch up I asked if I had late fees to pay and reps at times said no. What they really meant was you do n't have to pay them now. Slightly inaccurate when a customer ( me ) asks what is my late fee or when does it apply. 
Last XXXX XXXX, I called to make a payment ; the young lady said late fees go into effect on the XXXX so I could have a manager call me back. Wrong! Yes a manager could call me back but a late fee was applied to my account {$28.00} for waiting to hear back from a manager. I still offered to make a payment Thursday the XXXX so it 's Super upsetting to incur any fee for something you ask about directly and are misinformed about. 
She was wrong about the late feeShe was wrong about having a manger call me back. Someone called saying they were from US Bank and left vm with general XXXX numbers and no name. so I had to call back XXXX and start the request for manager to call back all over again. 
This is all happening so fast my XXXX credit rating has slipped below XXXX. Thanks US Bank for making it so difficult to get accurate information about payment and fees information. Your reps are wildly inconsistent. 
Are they trying to drive customers into further default? 
Is US Bank trying to cause consumers to default on home mortgages and they foreclose on them? 
I 'm back to work as will be paid in full as of XX/XX/2015. How about the rest of their customers who are n't as fortunate and have to go through the repeated misinformation and delays associated with trying to get right information and make right amounts of payments to get out from default. God bless ... 
Please advise ... 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-02-2015 about Student loan (Non-federal student loan) with AES/PHEAA (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: On XXXX/XXXX/15 I had sent a request for ALL of my loan documentation to which I am legally entitled to receive. American Education services deliberate refuses to provide ALL requested documentation. I have attached my correspondence to American Education Services as well as their reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-11-2017 about Credit card () with Monarch Recovery Holdings, Inc. (PA).
Issue: Credit card protection / Debt protection

Complaint: I submitted a complaint multiple times about XXXX for reporting inaccurate information. Now my information is in the hands of this collection agency by the name of Monarch Recovery Management Inc. I have never received any phone calls, letters or any sort of documentation regarding this company having my information on file. I feel violated and threatened that this company has my private and may be using account numbers, address, phone numbers in a derogatory way. I want this information terminated and most of all having this account deleted from my credit report. I repeat that it 's to be deleted.

Company response to consumer: Closed with explanation