milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/20/2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Managing, opening, or closing account

Complaint: To Whom It May Concern : I opened an account with American Express Bluebird. I received sub-par financial service and customer service from them within the first month of having my account. 

I transitioned my direct deposit back to my bank account, and over the course of a month or two drew down reliance on Bluebird for financial services. 

Over a month ago I called Bluebird to request that they close my account. I was harassed to provide a reason, and I repeatedly requested not to. I was then hung up on for cursing at them for not doing as I had politely instructed. Attempts to contact American Express Corporate Customer Service were in vain, their corporate headquarters switchboard repeatedly terminated my calls, and finally redirected me back to customer service. 

Finally, I was told that they would close my account. They requested a call back in 24 hours to confirm. I told them I considered that conversation and confirmation that they would close my account final notice, no additional conversation was required and that I would not call back in 24 hours to confirm closure of my account. 

I did receive a check for the remaining account balance within 7-10 business days as they said. However, I have repeatedly received monthly statements for the past 2 months for an account that was supposed to be closed and that I was harassed during my attempts to close said account. 

American Express has played a dangerous game in choosing to aggressively attempt to retain clients, harass them when they request to discontinue their relationship and then maintain accounts open months after requests for closure have been made. 

Please consider this final written notice of my DEMAND that this account be closed as well as the final explanation of facts in regard to this matter. At this time, I will not communicate in any other form that writing with American Express and do not wish to be contacted by them either directly through telephone calls or indirectly through their regularly scheduled spam and credit card offer mailers. They have clearly shown themselves to be inept at providing financial services as well as attending to the needs and preferences of their clients. 

Any attempts to ignore or neglect this will be treated as an indication of American Express ' lack of respect for my preferences and financial/credit history integrity and appropriate formal complaints will additionally be filed with the XXXX and credit reporting agencies. 

Best wishes, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   Attn : Complaint Department   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  I am writing to dispute the following information in my file. I recently received a copy of my   XXXX   credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insu rance C. Employment D. Court Order The following  credit inquiries are related to none of the aforementioned permissibl e TD Ban k (  XXXX / XXXX / XXXX  )  XXXX   (   XXXX / XXXX / XXXX  ) Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity.   Sincerely,  XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Receivable Management Services Corporation (NV).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I received a call from Receivable Management Services XXXX. They requested that I identify myself. I did, and then I asked who they were. They refused to give me that information, but insisted dthat I had to give them all my personal information. I absolutely refused and they hung up. I called them back by the caller ID and found out that the call was about a XXXX bill. I promptly called XXXX, and I got the issue resolved. It was a mistake on their part. The account had been written off for service issues, but someone accidentally sent it out for collection. My complant still stands against Receivable Management services for not properly identifying themselves. This is a violation of Federal Law. They must tell you who they are and why they are calling. It is also against Federal Law to require that someone tell all their personal information before knowing who they are talking to and why.

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Wanted details of what 's owed and if I 'm being correctly charged, I 've called numerous times to try to get this information with no success ...

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with FCI Lender Services Inc. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I missed my XXXX mortgage payment due to a family emergency, on XXXX XXXX within the grace period on my mortgage, I made a payment by phone for both the XXXX payment, the late fee for XXXX, the XXXX payment and an additional principal payment. I explained to the representative exactly what I was paying. Upon receiving my mortgage statement for the month of XXXX I learned that that the servicer had charged me a late fee for XXXX and had not made my principal payment instead they had placed that money in a suspense account, so I called them and told them about their mistake. Told them that they needed to reverse the late fee and apply it to principal as they had been directed to when I paid them and to be sure to back date it to the date the payment was made and to apply the money they had placed in a suspense account also on the date the payment was made. They have taken that money out of the suspense account and applied it to the principal as of XXXX XXXX, 2015, on XXXX XXXX reversed the late fee and applied it to the principal but did not make the effective date XXXX XXXX, so I am being charged interest for XXXX days that they had my money. I then sent them a letter regarding the continued billing error. On XXXX XXXX, I made my mortgage payment using their online payment option, I completed the form indicating that I was making the XXXX payment with an additional {$100.00} to be applied to my principal. I received my billing statement from them again, and this time they had placed my entire payment and principal in a suspense account and were showing that I was deliquent and still owe for XXXX and had charged me another late fee. I sent them another letter telling them that they needed to apply my payment as I had indicated that I was not deliquent and to reverse the late fee. I got a letter back from them stating they were investigating the matter and it could take some time. They have yet to correct XXXX 's mistake, or the mistakes made in XXXX, my XXXX payment has been made using their online service just like I did in XXXX, I indictated that I was making my regular payment plus {$100.00} additional to principal. They have placed that money in a suspense account and are charging me a late fee again, sending me notices that I am two months behind. I have also sent them a letter regarding this error, reminding them about the XXXX error they have not corrected and the XXXX errors they have not corrected. I have also been in contact with the actual owner of my mortgage who says he is trying to get them to correct the errors. This is now the XXXX month in a row, I am being reported XXXX days behind, and am accruing more interest everyday.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax responded to my complaint regarding XXXX XXXX on my Credit Report. I never applied for anything, verbally or in writing. All I wanted to know was how much XXXX charged for services per month. I never applied for a service. They lie and say I applied. I never did. They told me I could n't know prices unless I signed paperwork. Liars.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am writing to file a formal complaint on loan servicer, Navient. This complaint is based on Navients inability to provide me with correct information with my student loan and the lack of customer service that I received via phone. This complaint could be divided into the following topics : Consistency, Disclosing Information, and Customer Service. This complaint reflects Navients negligence in providing me with adequate loan servicing which could be looked as unfair and deceptive. Consistency : Over the course of three months, I have been told inconsistent and wrong information in regards to my repayment options. The first time I called Navient, the representative stated that I was ineligible to consolidate my loan or apply for any loan forgiveness plans based on the amount of my income. The representative also told me that the loan could not be refinanced being that the loan is a federal loan. I later researched and found out this was untrue. The second time I called, the representative told me that I actually could consolidate my loan and that once she entered in my information ( income of $ XXXX/year and a family of XXXX ), she then told me that I would be qualified for loan forgiveness this year and that my monthly payment amount would be {$0.00}. She instructed me to complete an application from U.S Department of Education to finalize the process. A couple of weeks after I completed the application, I received a notification that my monthly payments would be {$220.00} for twelve months. After receiving the email notification, I called Navient and was told that the previous reps have told me the wrong information and that I am on the lowest payment plan. Due to Navients pattern of providing me inconsistent and wrong information, I have lost trust with the company. Disclosing Information : I have asked over 3 Navient representatives for an amortization schedule. All of the reps have informed me that the company does not provide amortizations schedules. I have also ask a manager to send me information in regards to how much of my loan will be forgiven based off my loan consolidation. I have yet to receive any information. As a consumer understanding how each payment is allocated is important to me. I am unknowledgeable of how my payments are truly allocated due to Navients inability to provide me with my loan information Customer Service : Due to the lack of knowledge from the representatives from Navients call center, most of my calls have been escalated to upper management. I have been told from 2 managers that I would have my account reviewed and that I would be receiving a follow-up call. I have never received a call back from anyone from Navient. As a consumer, I highly dissatisfied with the service that I have received from Navient. I am asking that my account be investigated and reviewed as soon as possible. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Using a debit or ATM card

Complaint: Below is an excerpt of a letter I sent to Bank of America on XXXX/XXXX/16. I got calls from them stating the issue is resolved and then I get dunning calls from them. They are ruining my credit in addition to other problems they have caused.I have answered their questions but still get dunning calls and letters that upset my wife tremendously. 
XXXX RE : Checking Account number : XXXX ( it is my BOA checking account number and the account data is correct as of now ), Please note : While reviewing my account on the website, I noticed a new account, for a credit card, a Visa for XXXX with a balance of about {$8.00}. It is showing as account # XXXX, Neither my wife nor I have ever requested such a card nor have we ever charged a penny on said bogus card, As this issue is causing my wife an incredible amount of consternation, we would appreciate if being cleared up ASAP. 
Many thanks from a 16 year customer, XXXX 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 non-monetary relief
Consumer complaint received 07/20/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: this is to piggy back on my claim XXXX They never got back to me. So why is this case closed? They gave me false information which I contested and after contesting it the claim closed without a response. And recently my loan interest went up again 3 % without my knowledge. I still have not been getting responses in the mail as I requested. When I asked if I can refinance they told me that I can, which is false ... they dont do refinancing, their " refinancing '' is interest only payments. At no time do they lower the interest rate. And they are not forthcoming that this is " interest only ''. I found out it was " interest only '' after asking a series of questions and asking what my new interest rate will be. They said it doesnt change and I would be paying interest only. Well, that is not refinancing. So I told them no, dont do that, I would never get the loans paid off all they would continue to make money off of me ... So they lied to me about lowering my interest. So recently I have been paying more on my student loans, as I would like to pay down the principle. And so their way of making more money off of me ( since I have been paying down the principle they are charging less interest ) is to increase my interest by 3 % on some of the loans ... So my increased payments mean nothing as now I am being charged more for interest. This is beyond bad business practice and does not have the lenders best interest in mind.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Debt collection (Auto) with DOUGLAS, KNIGHT & ASSOCIATES, INC. (WA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have recieved calls saying I owe this debt which has suspended my drivers license but have never received anything Stating this information Whatsoever. This company wo n't even allow me to make payments to them unless I put a XXXX down deposit. I just do n't see how they can get away with holding my life hostage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/22/2017 about Mortgage (Conventional fixed mortgage) with Peoples Home Equity, Inc. (GA).
Issue: Application, originator, mortgage broker

Complaint: We are in the process of selling our condo in XXXX and purchasing another condo in a different state. The purchaser of our XXXX condo was working with XXXX of the loan officers at Peoples Home Equity and was told that her loan was a " slam dunk ''. Along the way there were a few issues that came up but she was assured that the loan process was moving forward and that she would receive approval for her loan. With this information we moved forward with the purchase of a condo in another state. XXXX days after we were scheduled to close on the sale of the XXXX condo we received an email stating that the loan for the purchaser had been denied. The reason for the loan being denied was her debt to income ratio was too high. This is an issue that should have been addressed in the first week of the loan approval process and not at the last minute. Because of the last minute denial of the loan the purchase of our new condo is now in jeopardy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: There was an account opened from Capital One back in XXXX that I disputed from identity theft. Capital One closed the account on XXXX. In XXXX, I started receiving calls from " XXXX '' and all came from XXXX XXXX asking that the debt was mine because they can show statements where there were purchases made and making payments. 

I asked them to validate the debt and send me a contract signed by me from original creditor showing that I own the account and I opened it myself. They provided again XXXX statements from Capital One showing charges from XXXX and XXXX. 

They are also referring that the account is {$1600.00} but yet they sent me a statement showing the balance on the account was {$490.00}. Regardless, I told them that they need to contact original creditor to get all their paperworks on this case. 

They continued to report the account to all credit bureaus without giving enough evidence of the ownership on the account. I have been trying to close this with this agency since the beginning of this year. They repeatedly pull my credit report ( soft inquiries ) almost every day. 

I really need help with this harassment. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Mortgage (Reverse mortgage) with Quality Loan Service Corporation (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX is an XXXX XXXX XXXX who has lived in her home at XXXX XXXX XXXX XXXX in XXXX XXXX since XXXX. She and her now-deceased husband took out a home Equity Conversion Mortgage ( HECM - reverse mortgage ) from XXXX XXXX in XXXX. Even though it was not necessary, the lender had XXXX XXXX deed over to her husband, XXXX XXXX XXXX, who is now deceased. XXXX XXXX recently received an undated letter from HUD, stating that the HECM is now owned by HUD, which informed her of her right to remain in possession of the property after her husband 's death if she met the criteria, and the mortgage is not in default. The letter instructed her to work with the servicer, XXXX. XXXX XXXX does qualify to remain in her property, and is current on taxes and insurance. However, XXXX refuses to provide XXXX XXXX with the necessary information as to how to apply to remain in possession, or to process the request and documentation she submitted allowing her to remain in her home. XXXX XXXX representative was working with XXXX XXXX 's son XXXX, who is authorized in writing to assist, but then dropped the ball and said that a new individual at XXXX was handling the matter. The new individual will not communicate with XXXX son by either taking or returning calls. Instead, the property is set to be sold at foreclosure sale on XXXX XXXX, XXXX. XXXX XXXX 's attorney, XXXX XXXX of XXXX XXXX, called the trustee, Quality Loan Service, on XXXX XXXX, XXXX, and the representative said that XXXX XXXX and the attorney had to deal with the servicer. WHen XXXX XXXX 's attorney refused to do so because the servicer, XXXX was not properly assisting XXXX XXXX and had said that XXXX XXXX had to deal with the trustee, at XXXX XXXX ' insistence, the trustee gave XXXX XXXX contact information to the trustee 's attorney, XXXX XXXX XXXX. XXXX XXXX then sent a request via fax and email to XXXX XXXX XXXX to stop the foreclosure sale, but the attorney will not provide a response until five business days. 

XXXX XXXX is entitled absolutely entitled to stay in her home as the surviving spouse of HECM borrower, especially because she never should have been required to deed over to her husband in the HECM loan to begin with. By refusing to stop the foreclosure sale, and properly advise XXXX XXXX ( and her son ) as to her right to remain in possession, what documents are required, and in refusing to stop the sale, HUD, the servicer and trustee are acting illegally and against public policy by causing an XXXX XXXX XXXX widow to be foreclosed on her home of XXXX years when she is entitled by law to remain in possession.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX allowed fraudulent charges to amount to {$1000.00} for service to an address I 've never lived. I thought the matter was settled with XXXX, I sent them : 1. Police report 2. proof of residency during the time the charges happened. 
3. proof of employment 4. a " fraud packet '' They then sold my debt to a collections agency that just sent me a notice.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company by the name of XXXX XXXX XXXX , XXXX, of XXXX XXXX, wrote me about two months ago saying that an unpaid balance of {$230.00} on a Synchrony Bank/Belk account was sold to them on XX/XX/2016. I wrote them back that I had never had an account with Belk and had never received any requests for payment from a Synchrony Bank. I stated that apparently my name had been either maliciously or accidentally attached to this account, and I had no intent of paying for something I had never bought. After another letter or two, the latest from XXXX XXXX, their Division Manager, is now saying " we will no longer be contacting you regarding this account by phone or mail unless it is to further respond to this dispute by you. ''

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