milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/30/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Advertising and marketing

Complaint: American Express XXXX preferred credit card offered me a promotional offer of {$150.00} statement credit on {$1000.00} in purchases posted in XXXX months. Also 6 % on supermarkets, 3 % on Gasoline, and 1 % on all other purchases. No where in that promo offer did it mention a {$75.00} annual fee. I even talked to a customer service rep when activating the card and specially asked if there was any hidden charges. She said NO. When my statement showed up with a {$75.00} annual fee I called customer service to complain. Long story but I eventually contacted the supervisor. I asked him when I was told about the annual fee. He actually said " after you applied for your card '' I told him if he did n't wave the annual fee I would cancel the card. That 's when I was threatened with the bad credit report threat. I asked if there was any way to cancel the card without hburting my credit : He said no. I was notified of the annual fee after I submitted that application. What kind of high handed business tactic was that. Please inform me of a way I can cancel my card after paying off the balances. I guess it would be smart to at least take the {$150.00} bucks offer before I cancel. Please let me know how to handle this. I have excellent credit and I dont want to take a hit on this. Real XXXX business I think.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (VA).
Issue: Using a debit or ATM card

Complaint: At some time between XXXX/XXXX/16 and XXXX/XXXX/16 my ATM debit card was stolen. On XXXX/XXXX/16 I realized the card was gone when I checked my online banking and saw XXXX pending ATM withdrawals. I immediately notified the bank and had the card canceled. The first XXXX withdrawals were for {$200.00} and the third was for XXXX these withdrawals took place in XXXX, NY and the card was stolen where I live in XXXX, Va.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/16/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian is reporting a Department of Education school loan that the Estimated date that this item will be removed is false, and does not correlate with the date placed for collection. Per the FCRA, incorrectly reported information must be removed. I have disputed it and sent documents to prove it but they refuse to delete the account

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 12/22/2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (IL).
Issue: Problems caused by my funds being low

Complaint: I received a letter from a stranger stating that US Bank sent a letter to him that was meant for me. Being a bank they know how important it is to protect an individual 's account and being a recent victim of identity theft this really alarming. Please find that I 've enclosed all necessary documents so you can see how careless this company is. No wonder someone who stole my identity was able to open an account in my name with this bank.

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 04/16/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Collection accounts that are not only old enough to be deleted, but are being sold and transferred to appear new.

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 11-02-2015 about Credit reporting () with CORELOGIC INC (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I applied for a vehicle loan, The dealership said I was currently past due and had XXXX open autos. I do not I have XXXX. I went to the credit union she showed me that they were reprting correctly. I went to annual credit report.com all XXXX bureaus were reporting correctly. 
The only place reporting incorrectly is credco corelogic. Thier defense is they get thier information from credit bureaus, My point is The vehicle they are reporting is A paid out vehicle, It has been reporting correctly through thier system for years I have proof they reported it correctly before. I do Not have but XXXX open auto its through XXXX XXXX. They seem very unwilling to correct the problem and are putting it off on bureaus and Credit union. But I have proof that bureaus and credit union have it correct. 
Please help in any way you can This has directly affected my score and I have numerous inquries. I also have been turned down for an auto loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Navient calls me on an average of about five ( 5 ) times a day regarding my student loans and this is clearly harassment. I have been making payments on my student loans each month for the past three ( 3 ) years, but they continue to call and harass me for their payment. I ensure I pay the minimum payment each month, however it seems like that 's not enough for Navient to stop contacting me for a payment. 

About 6 months ago, I even started making extra payments towards my students loans to see if that would stop the phone calls, but that did n't stop Navient from calling me at least 5 times a day. When a Customer Service Representative from Navient calls to ask for a payment, I inform them that I would make a payment in a few days. They insist that I make a payment over the phone and they have no reason to ask me for a payment because I 've been making more than the minimum payment each month, sometimes twice a month. 

I understand if I was delinquent to the point where Navient was n't receiving any money whatsoever or if I never made contact with months or years. But that 's not the case. I 'm making monthly payments and it 's just not enough for Navient. They call me early in the morning while I 'm sleep, They call me during the afternoon time. They also call me at night.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Problems caused by my funds being low

Complaint: PNC hit my PNC checking account for XXXX overdraft fees ( {$36.00} each ) and inaccurately disclosed my account activity and balance to me. I use their on-line services to check my balances. I electronically transfer funds between several checking accounts to make sure that I have enough money in my account to cover my checks. If I am at a grocery store or a restaurant and plan to pay with my debit card, I electronically transfer money from one checking account to another and the money is there for immediate use. On the evening of XXXX XXXX I had a positive balance. However I transferred {$65.00} into one of my checking accounts ( ending in XXXX ) because I knew that I had XXXX checks that were going to come in soon. Additionally I knew that I on XXXX XXXX I would be getting a direct deposit to my checking account ( ending in XXXX ) Additionally I when I make a deposit in a branch at the tellers line I CONSTANTLY ask the tellers to confirm that " If a debit hits my account the same day as a cash deposit, will I incur an overdraft fee? '' The answer is 'no fees will be applied '. I 've included XXXX attachments to support my claim. At no time did PNC report a negative balance to me on the on-line tool that they provide to me. 
I 've attached a screen shot from my on-line screen. Clearly shows enough money to cover my debts. Also shows that they overdrafted me with a positive balance of $ .XXXX.PNC has been sued before for their Overdraft policies and activities and I 've received XXXX very small settlement checks from the settlement fund. Apparently they have poor business practices with their overdraft activity.They continue to abuse me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Specialized Loan Servicing LLC (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On approximately   XXXX   XXXX   XXXX   I made the required payment and extra. On   XXXX   XXXX   XXXX   I made another payment for   XXXX   XXXX   XXXX    , it was applied to the principal. I spoke with The company  Specialized Loan Servicing, LLC  representatives on  three  occasions about   XXXX   XXXX   payment being wrongfully applied to the principal and each person assured me that it will be corrected. I have received late fees and other fraudulent fees. On   XXXX   XXXX   XXXX     I reveiwed my credit report to discover that  Specialized Loan Servicing  list the account as delinquent for sixty days. I called the company again and the representative hang 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 explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, Experian and XXXX XXXX are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Debt collection (Auto) with NICHOLAS FINANCIAL INC. (NC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Auto finance company called my phone 5x in a row back to back for a bill overdue less than XXXX weeks. Also called my job the next day and was extremely rude to my coworker after she ( my co-worker ) advised the company representative it was not allowed for them to call about this. Not to mention, the company rep did not disclose the company she represented fully, only gave part of the business name ( the company is Nicholas Financial, when my coworker asked where she was calling from she would only say this is Nicholas ).

Company response to consumer: Closed
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor -Company Sold XXXX XXXX XXXX Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 0 % Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ 500 Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX , NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX They keep reporting this on my report but they say its no longer theirs I would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL).
Issue: Fraud or scam

Complaint: Well I sent money to my husband in XXXX and the person that we use to pick up the money never got to pick it up someone else made a Fraud ID and picked it up the cops were called into the picture. I have documents to show that it was improper of that bank to even accept this like it is.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Checking or savings account (Savings account) with CITIBANK, N.A. (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I tried to contact the Citi Bank agent responsible for the transfer of funds, but he refuses to respond. I owned a joint account XXXX With XXXX XXXX XXXX. We lived in XXXX New York and have since parted ways. XXXX XXXX of Citi Bank stated in order for XXXX XXXX to use the funds in the account, my name would have to be removed from the account. At a meeting in his Citi Bank office in XXXX, XX/XX/17, he told me this. I protested and he said I could become the benificiary to the account. When I asked If my name could be removed, he said NO! After signing this agreement, I was told by several people that XXXX XXXX could be wrong. I don't think Citi Bank has any such rule concerning removal of a part owner of an account in order for the other owner of the account to have access to the money therein. I also think I was misslead concerning the permanent benificiary statement by XXXX XXXX. 
By New York State law, I am allowed to record meetings mentioned. This I have done and a record of XXXX XXXX 's statements has been documented. 
If this bank transaction is illegal, I think I should be reinstated as part owner of the account, or at least receive a statement from Citi Bank stating I am the sole benificiary.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Credit decision / Underwriting

Complaint: I paid off my Nationstar Mortgage " in full '' on XXXX XXXX, 2016, as I am closing on my home. I have made it very clear to Nationstar, I DO NOT need the lean to be recorded as I have been advised by my attorney the XXXX will record at closing. I have been reaching out to Nationstar for the past two weeks requesting the necessary document " ORIGINAL SATISFACTION OF MORTGAGE '' ( release of lean ), so I may close on my home. My buyer has already sold his home and his commitment is due to expire. I continue to get the run-around with Nationstar who is sending me letters stating it takes 30 to 60 days " PREPARE '' the Release of Lien ''. " Once the document is PREPARED, it is sent to the appropriate county for recording. 
I would be very grateful for any help you may be able to provide. I though I was being responsible by paying off my mortgage but instead I feel I am being penalized. I must close on my home ASAP so I do not lose my buyer, but I told I can not close without the " ORIGINAL SATISFACTION OF MORTGAGE. I know this can be expedited as I received the Original Satisfaction of Mortgage within two business day. As of Friday, XXXX XXXX, it was confirmed nationstar had not even started working on my request.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Debt collection (I do not know) with National Arbitration Forum (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Someone is calling and theatining legal action and a warrant for my arrest, and will damage my credit.

Company response to consumer: Untimely response
Consumer complaint received 12/19/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I want to file a complaint against Seterus Inc. XXXX was suppose to take the check that I sent in for my Escrow Account for {$500.00} back in XX/XX/XXXX, which they applied as a partial payment, though I sent in my normal payment for XXXX, XXXX, and XXXX of XXXX. Since they were not willing to apply to my escrow account, nor return the money to me, we discussed that this partial payment would be reversed and applied to my principal balance, which I agreed to. Then I get a letter from her responding to me that no, they did not do as we discussed, instead she took the payment I had sent in for my XX/XX/XXXX payment and reversed it instead. Then she went on to reverse all of my payments for XXXX, which should not have been affected and then put my account in Suspense. I have been denied refinancing of my loan with another bank as Seterus Inc has reported to the Credit Reporting Companies that I have been 180 day delinquent on my loan. I have never been late, nor missed a payment and now I have been denied refinancing because they have falsely reported to the credit bureau 's regarding that I 'm delinquent. I have my canceled checks to prove this. This is ruining my lively hood and my credit worthiness. I would like to know how can they continue to get away with running people lives like this? How do I get this corrected? Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I saw on the news this evening a woman who has a large amount of student loans and her story is very similar to my own. I knew that I would need to pay back my student loan, but the monthly payments were so high that I could not afford to pay the monthly payments. I have requested an income based repayment program to no avail and I can not afford the {$2000.00} per month payment. Now my loans have accrued so much interest and the payments are unmanageable. I have called and spoken with. numerous representatives from Navient ( formerly XXXX XXXX ) and each time, I do not get any solutions, just an option for forbearance. I want to make payments and resolve my accounts, I just can not afford the payment requested.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Debt collection (Credit card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I have a USAA charged off that 's being reports monthly to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (Medical debt) with Harris & Harris, Ltd. (DC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX I mailed a certified letter to Harris and Harris LTD., to validate a medical debt. I have not received any type of response from this company. I have called and spoke with someone and informed them that they were in violation of the FCRA ; and he assured me that the debt would be removed. Nevertheless, that has not happened and now I have not prepared a second letter by certified mail receipt and it is XXXX XXXX and it was mailed on the XX/XX/XXXX and I will await the response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra hippa violation enclosed all the information inaccurate information being reported

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Bank of America is reporting me as suspected fraud on XXXX and XXXX XXXX because of that I am unable to open a checking account. I have been trying to open an account because in two years I would like to try and buy a house. That negative remark stays on your account for seven years. I wrote a letter to the Office of The President if they could stop reporting this. I was transferred to a department and the customer service rep was condescending and rude. I tried to explain my situation. I do not owe the bank any money, whatever I did wrong it was paid so they should stop reporting it.

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 04-04-2017 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Medical Business Bureau (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I check to my credit report and see mbb I have reached out to them several times and yet to hear back from them. I reached out to the credit bureaus and they say to contact them directly. my credit is being affected by something that is not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation