milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: While by fact we WERE ABLE to get financial loans, a mortgage etc. now that we have PAID a substantial amount OFF such as mortgage and high balance loans My Credit score has dropped significantly by  XXXX  or more points and I am being rejected for credit. Amazingly they, you and lenders do nothing but reject. Also even while having a security freeze on my account people still inquir e WITHOUT  permission. My husband has written of this to you but has informed me you do nothing! Never the less this in by opinion a scheme to further encumber us since this created our current financial woes. We were better off before paying those lenders of f. So HOW can my FICA be lower? OF course you 'll give me the unfortunately leaving o ff the total debt is less.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Payday loan () with CHECK INTO CASH INC. (TX).
Issue: Can't contact lender

Complaint: Received a phone call from XXXX stating that I was going to be charged for a civil and a criminal lawsuite from XXXX and Check Into Cash payday loan. I told them I have never had a payday loan from that company and they continued to harass me and I asked for the information date etc and that I would go to my attorney with this and they hung up. 
the Company is XXXX and the phone number was from Ohio. I went online to check into company and can not locate company I want to file a claim against them. If they can show me proof that I took out a loan with that company I am willing to make a settlement but not until.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Mortgage (Conventional fixed mortgage) with MILLENIUM HOME MORTGAGE LLC (NY).
Issue: Application, originator, mortgage broker

Complaint: Hello, I approached XXXX XXXX of Millenium Home Mortgage in XXXX regarding mortgage refinancing. I told him I would like to refinance my house in XXXX to take advantage of the lower interest rates. So, I set out to explain my situation. I told him my house was rented out and the lease would end in XX/XX/2015. Furthermore, I told him I was living in a rental apartment in XXXX, but planned to move back to the house in XX/XX/XXXX, as soon as the tenant moved out. So, I asked him if he could help with the refinancing, and he said yes. He further stated that he could refinance my house as owner occupied, provided I was able to provide strong motivational reasons for moving back to the house as soon as tenant moves out. So, I provided all required documents and paid the appraisal and mortgage fees. 
After paying the fees, the appraisal was done and my house value came back ok. 
To my surprise, XXXX XXXX told me the financing could not be finalized until I move back to my house. He stated that I told him I was going to move into my house before the refinancing is concluded. There was never a time I told XXXX XXXX this. 
I believe I have been misled into parting with my money and would like to know if there is way to have my money returned to me. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Citi bank ( CBNA ) did hard inquiry on my account on XXXX XXXX XXXX. I did not apply or even try to get their service.

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 04/29/2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Servicer will not review for a modification. Nor review for HAMP since borrower income has increased. A modification was approve 2 years ago but payment was too high. The borrower requested an appeal but never heard back from anyone.

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 11-09-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (NY).
Issue: Fraud or scam

Complaint: I bank with Chase bank. On XXXX/XXXX/XXXX, money from my savings was moved to my checking account, and via a feature offered by Chase XXXX XXXX XXXX, {$2000.00} was paid out to an unknown person. The next morning when I noticed this was done, I called Chase and they attempted to reverse the payment, which failed, and was unable to get my money back. I filed a claim with Chase, and they credited my money back while they investigated. During this time I had closed all my accounts, changed my online bank name and passwords, and opened new accounts. About XXXX months later the {$2000.00} was removed from my account, and on a follow up call they had notified me that the claim was denied, stating that because the transaction was done on the mobile device I typically use, they do not have enough evidence to prove it is a fraudulent activity. I had filed a complaint with XXXX and have not followed up on this until now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/24/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (UT).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: FedLoan Servicing. My XXXX loans were through XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once I graduated with my XXXX  Degree FedLoan Servicing had my loans. They told me I had to consolidate everything for Public Service Loan Forgiveness. I consolidated in 2011 and since that time worked for a XXXX XXXX making payments which continued to increase each year as expected due to income driven repayment. Each year when I would certify they would tell me I had not done the certification in a timely manner and would say I owed about 900.00 ( two payments together ) or would make me take a monthly foreberance and take a hit in interest and principal. This happened for 5 years total. I have now also been made aware that because I was told I had to consolidate I missed the opportunity of loan forgiveness through XXXX. This has in return caused a significant increase in my student loans which are currently about 72,000 which FedLoan Servicing continues to service with outrageous interest rates and all my penalties in 10 years I will have paid almost 200,000.00 Each year I dealt with this gross misuse and unethical practices and threats. I have each certification from my HR rep and notes in my FedLoan account about my continued concerns for not being given the correct information or slow processing times and then being threatened with fees or outrageous payments. Thank you for any help available.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MS).
Issue: Advertising and marketing

Complaint: I contacted American Express today to find out why I did not receive the XXXX refer a friend points, as promised by a previous customer service representative. Unfortunately, this was the WORST customer service experience EVER! I initiated the call with XXXX ( Agent ID XXXX ). XXXX was ARGUMENTATIVE, UNPROFESSIONAL, AND XXXX! XXXX REFUSED to allow me to speak with a manager and she REFUSED to provide me with a contact number for the corporate office in the United States. However, she did allow me to speak with her supervisor XXXX ( Agent ID XXXX ). Unfortunately, XXXX 's customer skills are WORST than XXXX 's. Like XXXX, XXXX REFUSED to let me speak with an English-speaking manager in the United States and he REFUSED to issue the XXXX points. However, XXXX did provide me with a fax number and mailing address for AMEX. Why do I need to write a letter? Why ca n't I pick up the phone and speak to someone? I did not have to write a letter to apply for this sorry XXXX credit card! Nonetheless, when I asked to speak with a manager, XXXX transferred me to XXXX ( Agent ID XXXX ). XXXX was EXTREMELY RUDE! She stated there are procedures to follow to get the XXXX points. I told XXXX I followed the procedures to the best of my ability, as they were extremely vague. XXXX continued to TALK OVER ME and REFUSED to help. Therefore, I asked to speak with a manager in the United States. XXXX transferred me to XXXX ( Agent ID XXXX ). XXXX REFUSED to help me. She REFUSED to give the contact information for the regional manager " because they do not take calls. '' Also, XXXX REFUSED to give me a contact number for AMEX Corporate Office. XXXX stated she is in XXXX XXXX, XXXX and she is the highest person that I can speak with. I told XXXX I am going to contact the XXXX and the Consumer Financial Protection Bureau. XXXX stated, " Whatever suits you. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Transunion eecently had two seperate glitches and I had old information reappearing in my credit score. I called the company two times this week to try to soleve the issue. The representatives will not budge into even looking into my issues I have with old inquiries on my credit report. These items were deleted then i get a notification they were back on through XXXX XXXX. Transunion never gave me a 5 day notification. The system is glitch is their problem, not mines so why I becoming a victim of their problems??

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 06/28/2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: In accordanc e with 10 U.S.C. 1044, I  am a   XXXX   XXXX   XXXX   XXXX   XXXX    representing  XXXX   XXXX   XXXX  and his daughter,  XXXX   XXXX   XXXX  in a legal assistance capacity.   XXXX  Wells Farg o Education Financial Services h as been attempting to collect a fraudulent debt from my client. They have also ignored and refused to investigate information provided to Wells Fargo by my clients that they were attempting to collect a fraudulent debt.   XXXX  The loans were taken out naming  XXXX  as the institution of attendance. We have contacted the University  XXXX   XXXX   XXXX   XXXX   , w ho reported they have never received funds from Wells Fargo  that  was used to pay tuition or any other fee for  XXXX   XXXX   XXXX   XXXX   XXXX  did attend  XXXX  in  2013 , when the loans were taken out.   XXXX  We have contacted Wells Fargo to let them know we are formally disputing the debt.   XXXX   Loan Number   XXXX , Account number-  XXXX   Amount  is around {$4000.00}

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 05/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Requested validation and nothing has been received. I did have a XXXX account but it has been more than 7 years ago. This should not be listed on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/30/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (IL).
Issue: Struggling to pay mortgage

Complaint: I am trying to process a short sale with SLS. On  XXXX   XXXX ,   XXXX  , I calle d SLS a nd spoke with  XXXX  ID  XXXX . I called to confirm receipt of the new contract sent on  XXXX , they requested the some revisions to the HUD, and that 's all they need at this point. On  XXXX   XXXX ,   XXXX  , the foreclosure sale date was re-scheduled to  XXXX   XXXX ,   XXXX  . On  XXXX   XXXX , I calle d SLS and  spoke with  XXXX  ID  XXXX , he said he sent the updated HUD to the underwriter on  XXXX  and they have not reviewed it. I asked about postponing the sale date of  XXXX  and he said " it is postponed. '' I told him they are not allowed to re-schedule it since they have a complete application on file more than 37 days prior to the sale date. He said this is the  XXXX  application and I said they are still required to postpone the sale date. He was incredibly rude and continued to interrupt. I asked for his supervisor and he said he 's not available. He said I would not continue to hold for a supervisor and hung-up on 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 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I CONTACTED THE COMPANY XXXX XXXX XXXX ON XXXX XXXX XXXX REGARDING THE ACCOUNT INFORMATION BEING REPORTED ON MY CREDIT REPORT ALL THREE CREDIT BUREAUS HAVE SENT LETTERS SAYING THAT THE INFORMATION WAS VERIFIRED AND ACCURATE ACCORDING TO THE FCRA. I SPOKE WITH CUSTOMER SERVICE REGARDING ACCOUNT # XXXX AND WAS TOLD THAT THE ACCOUNT WAS PAID IN FULL BUT WAS CONSIDERED A CHARGE OFF BECAUSE IT WAS NOT PAID WITHIN THE AMOUNT OF TIME FOR THE CONTRACT. THIS HOWEVER IS INCORRECT INFORMATION IT REPORTS THAT THE CONTRACT STARTED ON XXXX/XXXX/XXXX. BUT IN THE CONTRACT IT IN FACT STATES THAT THE CONTRACT BEGAN ON XXXX/XXXX/XXXX. REPORTED TO THE CREDIT BUREAU IS AMOUNT OF XXXX BUT, IN SAID CONTRACT THE AMOUNT IS XXXX. THE COMPANY FAILED TO REPORT THAT THERE WAS A SWITCH IN VEHICLES AND DID NOT UPDATE THE CONTRACT TO REFLECT THE NEW VEHICLE OR THE NEW CONTRACT. ALL INFORMATION BEING REPORTED IS FOR A TOTALLY DIFFERENT VEHICLE IN WHICH I DID NOT OWN. HOW DID THE CRA NOT CATCH THIS INACCURATE REPORTING OF DETAILS? THERE WAS NOT A PROPER INVESTIGATION CONDUCTED OR IT WOULD HAVE BEEN CAUGHT.MY CR SHOWS A CHARGE OFF OF XXXX BUT THERE WAS A REFUND SENT AFTER THE END OF THE CONTRACT WITH XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Credit card () with BARCLAYS BANK DELAWARE (NJ).
Issue: Rewards

Complaint: I used to have XXXX credit cards issued by Barclay bank, and have a perfect payment history with these cards. But recently the Barclay bank closed all the XXXX cards without any notice. I called the bank but they did not providing me any specific reason other than saying a notice letter is on the way, and refused to re-instate these accounts. 
I just paid the annual fee {$89.00} for the arrival plus card in XX/XX/XXXX, and have XXXX awards miles ( which worths {$550.00} ) in the arrival plus card, and XXXX awarded points ( which worths {$13.00} ) in the extra points card, both are accumulated from my previous purchases. Now I could not redeem these awarded miles and points online as the accounts were closed, and Barclay bank refused to give me back these rewards. It 's unfair to me because I always obey the credit card rules and earned these rewards according to all terms and conditions, but the bank seems to take away them and take advantage in finance by ending up the customers ' account abruptly. 
I would like to seek your help to get back my rewards ( $ XXXX+ {$13.00} ) and annual fee ( {$89.00} XXXX from Barclay bank, which is totaly {$650.00}.

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 10/30/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The company said they would remove the negative credit information from my report and it never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: This has actually happened several times to me at TDBank. The bank lets you make a deposit in cash via the ATM. A lot of the times the ATM at several locations will not take a deposit, or shut down at a certain time of the day, almost strategically in order to obtain an overdraft fee. On Wednesday night after work at XXXX I went to deposit money into my account because I knew a payment would be deducted the next day, low and behold the ATM did not work at XXXX XXXX. I went to an alternate location in the downtown area of my city on XXXX XXXX XXXX and the same thing happened. I went home and looked at my account and went to sleep.It had n't been on overdraft status yet. Upon waking at XXXX I realized I needed to make this deposit so I went to the bank again, and the machine on XXXX XXXX was STILL not letting me make a deposit. I then decided to drive XXXX minutes away to another location on XXXX XXXX XXXX. This time it took my money but only to also reveal that it had indeed placed an overdraft on my account. The system seems as if it is set up to potentially harm consumers and wait for any fees they may collect before they actually let you make a deposit. This has happened in the past and I just thought it might be worth looking into.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/18/2016 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Making/receiving payments, sending money

Complaint: On XXXX/XXXX/2016, I called my bank, USAA ( XXXX ) to initiate a stop payment on an {$800.00} check for the reason that I had already made the payment over the phone which was significantly less than expected. The check was to be sent by USAA to a credit union ( XXXX XXXX XXXX XXXX ). According the USAA representative, the stop payment was initiated successfully. 
However, on XXXX/XXXX/2016, while looking at my account, the check in which the supposed stop payment was successfully initiated had indeed gone through anyway for the {$800.00}. This caused my account to go into the negative, and initiated an automatic {$400.00} cash advance from my credit card in order to cover the cost. I then called USAA to ascertain why the check had gone through even though a stop payment was initiated. I was told that the representative I had spoken to on XXXX/XXXX/2016 made an annotation on my account in regards to the stop payment but did not actually initiated it as requested. The representative then kept apologizing but told me that there was nothing they could do as the check had already cleared. So here I am left with a negative account balance and a cash advance on my credit card which could involve substantial fees and the only recourse I receive from a bank in which I 've been a member for almost XXXX years was simple apology for their mistake.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Checking or savings account (Checking account) with KEYCORP (PA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: My Name is XXXX XXXX address is XXXX XXXX XXXX XXXX pa XXXX phone is XXXX the compiaint is with Key Bank they left me open a checking account i had to pay deposit to open them they sent me XXXX XXXX in the mail after account was open for maybe a week they put a block on my account and they told me they were not going to remove this block i set up this account to make deposits in and out of this account they charged me money to open a checking account also a hassle free account they told me that i am not going to even be able to use my account or My XXXX XXXX they told me that the block is from fraudlent activity but no one has my banking account info so i cant use my accounts at all i spoke to someone higher up from company and they told me the same thing they told me to go to a branch and that is like a little over a hour from were i live but i dont drive so I am very dissappointed in this company right now because i put money into my accounts i would like this issue to be resolved They also game me a phone number to call XXXX they said because of fraudlent activity and i am the only one that has my acconut info i told them that someone else had it because i did not under stand the question they also have both accounts blocked i would like them to remove the block were i can make transfers and deposits the first one was a hassle free account XXXX the second one was XXXX i hope you can resovle this issue were i can you my accounts if not they need to refund my money that i had to pay to open these accounts thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/14/2016 about Mortgage (Conventional fixed mortgage) with AmeriHome Mortgage Company, LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I sent in extra escrow payment and they credited to extras principal but it was noted om ck and payment coupon

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Student loan (Federal student loan servicing) with COAST PROFESSIONAL INC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: My complaint is against Coast Professional , Inc. whom is handling a collection on behalf of XXXX University whom I owe a student loan balance with. I originally contacted them on XXXX/XXXX/16 in the late afternoon and left a message at XXXX with no call back. My second call to them was on XXXX/XXXX/16 at XXXX and I spoke with a XXXX XXXX and I told him that I could afford to pay {$60.00} dollars a month starting on the XXXX of each month. Unfortunately there was a problem with my debit card, so on the XXXX of XXXX the payment was rejected by my bank and it was about a few days after that I my bank had notified me that they had n't process that automatic debit, so on XXXX I called and spoke with a XXXX at XXXX and told him that I would n't be able to do the automatic payment and to cancel it and instead I would be mailing my payments to them. I have made payments on XXXX/XXXX/16 credit card payment, XXXX/XXXX/16, XXXX/XXXX/16 and mailed another {$60.00} payment on XXXX/XXXX/16. Yet on XXXX/XXXX/16 they reported me to XXXX and I 'm wondering why they have done this since I have been paying the agreed upon amount and they have willing accepted my payments. I want that collection taken off my credit report. Also, I have never ever received a call from them nor have they bothered to send me any type of bill within the last two months as to what my current balance is at this time.

Company response to consumer: Closed with explanation