milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/26/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: the whole loan is the problem, i have been paying on this loan for 11yrs for a {$4000.00} loan, was in forbearance one time for about 3 months.i have contacted them and can get nowhere with this, i do n't know where else to go with this. but between all the disbursement fees, loan fees, late fees ect ... i still owe {$4300.00} how is this even possible! i even show late fees on here before money was even disbursed??? and i have no way to track these fees. also this money was suppose to go toward my school supplies and because my FASFA did not come in on time they put this money towards school fee 's, which resulted in my having to quit because i could n't get my supplies. they told me that they could disburse the money how ever they seen fit. so i only attended for one quarter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Mortgage (Conventional fixed mortgage) with PRIMARY RESIDENTIAL MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I am very concern about the shortage of our escrow account being that the numbers does not add up. Please review the following for 2016 : Escrow Collected PMI Ins./Taxes Beg. Escrow Bal. : {$360.00} XX/XX/XXXX {$390.00} - {$160.00} XX/XX/XXXX {$390.00} - {$160.00} XX/XX/XXXX {$390.00} - {$160.00} XX/XX/XXXX {$390.00} - {$160.00} XX/XX/XXXX {$410.00} - {$160.00} - {$1100.00} ( Haz. Ins. ) XX/XX/XXXX {$410.00} - {$160.00} XX/XX/XXXX {$410.00} - {$150.00} XX/XX/XXXX {$410.00} - {$150.00} XX/XX/XXXX {$410.00} - {$150.00} - {$1300.00} ( county tax ) - {$1100.00} ( Haz. Ins ) + {$770.00} ( Haz. Ins returned ) Totals : + {$3900.00} - {$1400.00} - {$2800.00} - {$260.00} ( Escrow Bal. : ) I notice the numbers does not add up. On the last statement dated XX/XX/2016 there is a shortage of - {$1200.00}, this is before the {$770.00} ( haz Ins. ) was applied to escrow ( which it should have reflected by the XX/XX/XXXX but it got applied to principal ). Once subtract the {$770.00} the balance is - {$510.00}. Which still does not add up. Also the county taxes were paid at once ( annually ) when it should have been paid semiannually. Which would have avoided the shortage all together. Even on the Aggregate Escrow Analysis dated XX/XX/2016 it shows that the county taxes is to be paid in two installments. 

When I called on XX/XX/2016, I first spoke to XXXX I asked her for supervisor/manager so, I was transferred to XXXX. XXXX told me that they would run another Escrow Analysis and look into it. However if the company does not own up to its mistake and cover the shortage running the Escrow Analysis will only increase our mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: On XX/XX/2018 I tried to register my citi credit card online. I lost the old card so they put my online account access on hold. After talking to different customer service provider who transferred me to technical support. First time I waited 30 mins and the second time I waited 1 hr and 12 mins to get some one to help me. After filling the complaint about wait time and issue not being resolved the second rep assured me that its fixed. After getting of from the phone call I tried to register the new card and get my online access which didnt work and issue is still pending. I cant access my online account and cant make payments. The citi bank is charging me extra to make the payment over the phone. Its not fair for them to not fix my issue and use an excuse to make extra money by forcing me to make a payment over the phone.

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 03/22/2017 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Shopping for a loan or lease

Complaint: My name is XXXX I 'm with XXXX out of XXXX, TX. We are a franchise XXXX and XXXX motorcycle dealership. I had a customer ( member number XXXX ) bring me drafting instructions from USAA for a motorcycle that we sold him. I titled the motorcycle and faxed all necessary paperwork to USAA expecting them to honor the draft the customer brought to us. 2 weeks after I had already given the motorcycle to the customer, and titled and registered it. I find out ( from the customer, not USAA ) that they will not honor the draft. The customer was unaware but he filled out paperwork for an auto loan and not a motorcycle loan. He was unaware of this at the time or he would have corrected it, it was not his fault. The fault lies with USAA 's loan officer, they had the VIN number and should have been aware of what they were buying before producing the loan document. USAA is unwilling to take any responsibility for the flaws in the way they conduct business. So, now here I am as the dealer with a sale that fell through that we worked so hard to earn and a motorcycle that is not in the same condition as when we sold it, and instead of making a profit I 'm at a {$650.00} loss on the deal because I 've already paid taxes on it. Also, my poor salesman that worked so hard on this deal will have a negative sales commission on his next payroll. 
Needless to say, I will not do business with any customers that come in my dealership with a draft from USAA. I will make them find financing elsewhere if they want to purchase anything from us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Prepaid card (Gift or merchant card) with AMERICAN EXPRESS COMPANY (CO).
Issue: Fraud or scam

Complaint: On XXXX XXXX i purchased an AMEX XXXX XXXX XXXX gift card at XXXX on XXXX XXXX in XXXX, for the amount of {$250.00} plus a {$4.00} fee. I put the gift card and the XXXX receipts for the gift card into a sweet XXXX birthday card and mailed it via USPS from XXXX to XXXX XXXX XXXX, XXXX By XXXX XXXX, the card has not arrived at the destination. I went ahead and filed a missing letter report with the office of USPS, picture of the report is included. I also immediately contacted customer service at American Express Gift Card department at XXXX. I have images of the receipts for the purchase of the gift card as well as credit card statements from XXXX XXXX, which i used to pay for the gift card. On the packaging of the Amex gift card it states that " funds replaceable if lost or stolen '' ( and i am including the image of the packaging as well ). The customer service at Amex refused to help me. They stated that their " system '' does not recognize the receipt number or the account number of the card which is on the receipt as well. I have called the Amex customer service 4 times and each time they refused to help. I am completely at a loss of what to do. I felt safe purchasing the card and sending via USPS because of the refund guarantee stated on the packaging.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2017 about Payday loan, title loan, or personal loan (Title loan) with Auto Pro Title Pawn, Inc. (GA).
Issue: Struggling to pay your loan

Complaint: I went to A1 Action Cash to get a loan on my car in XXXX XXXX and I paid on time. In XX/XX/XXXX the car stopped running but I continued to make payments on it. In XX/XX/XXXX I took the car to the dealership to attempt to get it fixed. I paid {$500.00} in attempt to fix what the dealership said was wrong with it. I told the office manager that I could no longer pay off the loan because of financial issues but she refused to go get the car because it was inoperable, although I told her where the car was located. She filed criminal charges against me with malicious intent to have me put in jail even though a crime has not been committed. When we showed up in court, she committed acts of perjury stating that she called the dealership and an employee told her that there was a storage fee of {$500.00} which was not true because I paid my service repair fee in full on XX/XX/XXXX. I also went to the dealership and spoke to the service supervisor to ask if I owed anything that I was not aware of and he told me that I paid what was owed which was only {$500.00} for the service that was done on the car. I did not owe any storage fee.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have sent dozens of XXXX letters requesting inquiry removal off my account because most of them are not done by myself from years ago being a victim of identity theft, well instead of removing said items Experian adds a security freeze to my account instead, well I call in and ask why it was added and behold nobody knows why this was done, and it is only on my Experian report. Well, I send in more letters, and they respond back that they will not remove anything from my report, but my million dollar question is why I am seeing and personally know some people who made one phone call and didn't have to send in anything at all and got every single inquiry removed off their report with no issues, but instead of responding to my request they just add a security freeze to my account and then have no record of doing so and not wanting to budge either or follow suite with the removal of unauthorized inquires saying I have to contact each individual company, do you know how many stamps that is going to take?! I sat in a room with someone who made one single phone call to Experian and had 51 inquiries removed in less than 15 minutes and then I send it letters after letters and call after call and nothing, stamps are not cheap at all, and they are not wanting to cooperate at all, but will for others, this is absolutely not fair at all! Answers please?!

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 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello CFPB, I am a recent XXXX XXXX from XXXX University. Since I was relocated here as a XXXX at risk, I can not go back home ( XXXX ) because of the ongoing political crisis. So, until I get a professional job ( XXXX & XXXX ) I do any job to pay my bills on time and earn a living. Most of my credits are set on automatic payment and are paid timely. My credit score has been above 700 until recently and I was informed yesterday by XXXX XXXX that my credit score fell to XXXX due to some negative credit factors including late payments ( I forgot to pay an XXXX travel loan payable on the XXXX and paid it on the XX/XX/XXXX and reported. ) One major factor is, I was told, a closed XXXX store credit account which a XXXX saleswoman prompted me to open ( i did not go to XXXX that day to open a credit account ) and I told her there and then on her registry line ( to the same cashier before I left the store ) to close the account she ppened by my name because I did not plan to have a XXXX ( or any credit account ) for whatever reason. Either the saleswoman did not close the account she told me she closed it or XXXX systematically keeps open closed accounts to collect debts it does not deserve. For this wrong doing and exploitation/abuse, XXXX is accountable. 

I called XXXX XXXX yesterday, XX/XX/XXXX, before XXXX and they told me to file dispute on my behalf. However, what XXXX did has a negative impact to worsen my already stiff financial situation. Whether or not my credit score will be fixed, I never back away from holding responsible for their own wrong doing and for keeping open a closed account and reporting me falsely and claiming unfairly that I owe them debts. 

Happy holidays! 

XXXX XXXX XXXX XXXX, IN

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 11/19/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CO).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I signed up for a 12 mo no interest promotion at XXXX furniture. The purchase was made XXXX. The First payment was made in XXXX of XXXX. On the last statment they changed the due date from XXXX to XXXX and stated that that was the end of the XXXX mo period. I had set up payment to be on the XXXX of each month for the previouos XXXX. When i got the last statment I noticed a red box stating the last payment was due on XXXX/XXXX/XXXX. I decided to cancel my recurring monthly payment from my online bill pay at my bank and tried to set up a one time last payment and something went wrong. They never recieved my last payment and ended up charging me full interest. I should have just left it alone. However, I tried to do the right thing, made the change and it back fired on me. I do not think it is fair for the company to change the due date of the last payment. Regardless of when my purchase was made. I belive they new this would happen and they have measures in place to force people to still pay interest. Feels like very unfair business practice. They do not have this language in place anywhere in their statements or contracts. IF it is there it is confusing. If they want payment in exactly 12 mo they should set the due date same as the purchase date. I feel the interest charge should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Mortgage (FHA mortgage) with Fay Servicing, LLC (NC).
Issue: Closing on a mortgage

Complaint: We purchased a house thru Fay Servicing and closed on XXXX XXXX 2017. XXXX ( Fay servicing ) knowingly and willingly sold us the house with enchroachment on a vacant land next to us. I have in my posession a letter from XXXX XXXX XXXX ( Fay servicing acting attorney ) asking the owner of the vacnat land to sell 14 ft of his land which he declined. He wants the entire lot bought for {$XXXX}. XXXX XXXX XXXX  also 0ffered us {$XXXX} to release all liability against Fay servicing. This is FRAUD and against all fair business practices. They knew about the enchroachment and never disclosed it to us.I have mulitple emails to XXXX XXXX XXXX ( XXXX XXXX ) to settle this. It is not our problem to settle this with the owner and that is what they want us to do and release Fay servicing from all liability for {$XXXX}. We are not going to settle for anything less then getting the 14 ft from the owner of the vacant land and having a new survey done at Fay servicing 's cost. This is not our fault and we are the victim of fraud with this company!! I dont have an account number with Fay servicing. This was a house that was sold us us by them.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Ars collection posted fraudulent information in my credit report. They reaged a debt. They reinserted a debt into my credit report without sending a 5 day notice. Also they are reporting the debt as a new collection XX/XX/XXXX but the debt is from XX/XX/XXXX so they reported fraudulently to keep it in my credit report longer than law allows

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 06/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First Credit Services Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/2014, I and my daughter went to XXXX to try the practice. A staff suggests my daughter to sign half year membership. He told us that if my daughter did not like the practice, we can cancel the membership any time. The staff filled the form and just let me sign the contract. The staff did not mention that he had checked auto renew on the contract. I did not notice the auto renew was check either.  After two month try, my daughter get hurt XXXX when jumping around in the facility. XXXX I had talked to the manager and want to cancel the membership. I had browsed to the XXXX web site to let message want to cancel the membership. The manager had told me because we had signed half year member ship, we cannot cancel the membership. After half year, our membership will be terminated automatically. 
Because my daughter got hurt every time went there, she could not go to the XXXX since XX/XX/2014. She only went there for two month, but our credit card was charged for six month. After six month for safety reason we cancel the credit card. But XXXX still keeps charging us.  When I went to the facility ask the manager, he told me this contract will auto renew. Now they want to charge us for extra XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Application, originator, mortgage broker

Complaint: I am disputing comments/remarks posted on my XXXX Bureau Credit Reports. The negative comments include a foreclosure which should be permanently removed. I have attached the Case XXXX, Attorneys, Parties, Deadlines/Hearings and Docket Entries. I have also included the settlement agreement and release from property XXXX XXXX XXXX, XXXX, Texas,XXXX. According to the Scheduling Order dated XXXX XXXX, XXXX, this case was settled and closed. There was never a foreclosure, however, the loan was transferred to XXXX XXXX XXXX XXXX dated XXXX XXXX after an agreed settlement. According to the Federal Court Scheduling Order dated XXXX XXXX, XXXX, this case was Settled by the Bank of America NA, myself, and XXXX XXXX XXXX XXXX XXXX XXXX. As part of the settlement, I entered into a Cooperative Program offered by the Department of Treasury & Housing Urban Development Agency called ( Cash for Keys ). This agreement with the court entitled me to forego foreclosure proceedings, avoid eviction, and my house not being sold at a public auction. Based upon the settlement agreement I was awarded {$10000.00} and I qualified for financial assistance to help with my relocation costs. Finally, agreeing to the settlement, Bank of America was required to report that my loan was paid in full for less than the full balance. Bank of America sold this home on XXXX XXXX, XXXX, file number XXXX, loan number XXXX. XXXX XXXX XXXX XXXX sent me a XXXX and removed the remarks on XXXX XXXX, XXXX, stating this account was charged off repossessed. XXXX XXXX, XXXX, Bank of America placed a FORECLOSURE on my credit report. Finally, XXXX XXXX, XXXX, this case Ordered by the Federal District Court for the XXXX District of Texas, XXXX, be dismissed with prejudice. " THERE WAS NEVER A FORECLOSURE AND IT SHOULD BE REMOVED FROM ALL MY CREDIT REPORTING RECORDS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Mortgage (Conventional fixed mortgage) with BEXIL AMERICAN MORTGAGE INC. (AL).
Issue: Loan servicing, payments, escrow account

Complaint: Castle Mortgage claimed we didnt pay our first payment for our loan.This simply did not happen we have documentation that we payed not just on time but early. Since then Castle Mortgage has sold our loan to XXXX. We want to refinance and this is hurting our credit score.

Company response to consumer: Closed
Consumer complaint received 07/29/2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Dear Consumer Financial Protection Bureau : In Re : block access to credit reportThe reason for me filing this complaint with your agency is due to Equifax blocking me from any access to my credit report. When, I tried to filed a complaint through the Equifax web site using the confirmation number supply to me, my credit file is empty. It does not display nothing under the personal information, accounts, negative information and inquiries for me to dispute. Equifax has completely block me from having any access or pulling my file using XXXX are any other source. I can only check the status of my pending disputes ; not file a dispute. I greatly appreciate your assistance in investigating this matter. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CO).
Issue: Rewards

Complaint: This complaint is regarding the poor reward system for American Express and the terrible structure/policy that their company goes by. As a credit card consumer who have had at least XXXX credit cards from various different companies, American Express has been hands down the worst company I have ever dealt with. Even though you have met your spending requirement, they require you to pay off the balance and then wait for the next month 's closing date. Your points remain in pending status well over XXXX days during this process, even when you have fulfilled their requirement in paying off the balance and waiting for the next closing date, points are still unavailable. I have never had any credit cards where it takes 60+ days just to receive your points or miles even though you have fulfilled all the requirements. American Express is literally the WORST credit card company ever and I have nothing but bad things to rave about them. I will never recommend them to friends and family and will sure discontinue the relationship once one full year is near. Until they fix their reward system policies, I will never use them as a credit card company ever again. The inconvenience and lack of flexability in their reward system will never earn the business of experienced credit card consumers such as myself again.

Company response to consumer: Closed with explanation