milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-10-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My XXXX school loans were being serviced by XXXX XXXX. When I applied to PSLF, Fed Loan Servicing unfortunately took over. I refinanced part of my loans with a private lender XXXX. XXXX XXXX received the check from XXXX for the payoff amount of {$77000.00} to pay off the XXXX ( non -direct loan ) portion of my student loans. XXXX XXXX cashed the check within 1 week. XXXX XXXX then forwarded the money to Fed Loan Servicing. It has been 6 weeks, Fed Loan Servicing has not posted my payment. I have called several times. They keep telling me it takes a while to process a payment. I would like someone to look into this matter. I feel they have misplaced funds. It is unacceptable to wait this long to process a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX Report # XXXX ; Equifax Confirmation # XXXX ; I am filing this complaint because Equifax, XXXX, & XXXX  have all failed to provide me with the documents that their companies are required by law to have on file. these are the same files that were used to verify my accounts I disputed. Being that they have gone past the 30 day mark they can no longer verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA..it states they are required to ... .... '' promptly delete all information that can not be verified '' that ive disputed. I will really appreciate your help since I haven't been getting help from the bureaus I hope you will resolve this issue promptly business and profession acct # XXXX business and profession acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank 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 non-monetary relief
Consumer complaint received 02/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Fay Servicing, LLC (TN).
Issue: Loan modification,collection,foreclosure

Complaint: Our loan was sold from XXXX home finance to Fay Servicing in the middle of our modification process XXXX 2016. We were told in writing by XXXX fay servicing continue the modification process. They did not. They almost immediately foreclosed and sent no notice of foreclosure sale as required by law. They were notified nobservice of foreclosure sale had been given. 
But they continued with the sale on XXXX/XXXX/16. Under the national mortgage settlement agreement a mortgage transfered or sold to a new servicer/lender from XXXX of the Big XXXX banks must still be considered for a modification if the process has already been started. 
Fay Servicing has violated this and Tennessee state law for no notice of foreclosure. 
We need help keeping our home.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am disputing account number XXXX with XXXX XXXX XXXX for an amount of {$290.00} because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted XXXX XXXX XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/26/2015 about Consumer Loan (Installment loan) with Ardmore Finance Corporation (NM).
Issue: Managing the loan or lease

Complaint: keeps putting hard inquries on 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 05-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On the    XXXX   XXXX   XXXX   I  tried to pay my balance on my credit card.I called the number listed.   I heard about every  3rd w ord from the customer service person. I would like to add that making payments before due dates are not as straight forward as they need t o be .I 'm wond ering if this is not intentional. It should n't be that hard to pay your bills.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CCS Financial Services, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I contacted XXXX XXXX On XX/XX/XXXX after seeing an outstanding balance on my credit report. After paying in full I was told that the item would be deleted. It still appears on my report today and I have requested multiple times that it be removed as soon as possible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Mortgage (Conventional fixed mortgage) with Peoples Home Equity, Inc. (IL).
Issue: Application, originator, mortgage broker

Complaint: I would like to talk to someone about my lender, XXXX XXXX. Who has n't been answering my phone calls and gave me a false rate on my mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (PA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: On XX/XX/2018 I received an email solicitation from Chase with a promotional offer to file my taxes using XXXX XXXX website. In the advertisement it advised me that being a chase customer I was entitled to XXXX $ fed and XXXX $ state filing, all I had to do was click the emedded hyper-link. As I typically used tax act and paid XXXX-XXXX $ to file I decided to take them up on the offer. After the completion of filing I was advised I owed XXXX XXXX {$80.00}, I carefully read the original email to see if there was a promotional code to be entered, however there was not. After spending a great deal of time preparing my filing I decided to pay the fee and then call Chase customer service the next day. When I called chase I spent nearly 40 minutes on the phone only to be told, # 1 I shouldn't be getting the email in question because I am not in their " targeted zone '' # 2 if I wanted to see any reimbursement or resolution I needed to prepare all my documents and manually mail them to an address in XXXX, DE. I then told the customer service rep that I feel my only recourse is to take this occurrence to the CFPB she offered to refund me 6 months of interest in a statement credit as a compromise. As I figured that would take my total out of pocket expense to {$40.00} XXXX  {$50.00} I felt that was fair. Now over 2 weeks later that credit never appeared and that is why I am filing the complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/30/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Even though I have not authorized, Equifax allowed XXXX to pull credit report on me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (AZ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I am having  XXXX  credit cards from  Citi : 1 )  Double cash back  XXXX  for many years  2  )  Citi Visa Card  which  XXXX  changed it from  XXXX  to  Citi Visa  last year.   I was using the login id and password for few years and it has got  XXXX  factor authentication also.     For last  XXXX  days - my login id is not working and even password reset feature not working. Just now called Citi and I was told that there were attempts to hack my account and they had blocked my login id, what??? Without even informing me? they have all the contact information about me, why in the world they should do something like this???   And why in the world citi or visa or mastercard is self praising themselves for their fraud detection.     I need to re-register my cards and create a new login id. - that 's total waste of efforts and time especially when i am having at least  XXXX  grands of transaction every month with them.

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 10/23/2015 about Bank account or service (Checking account) with Empowerment Ventures, LLC (MA).
Issue: Deposits and withdrawals

Complaint: As of XX/XX/XXXX I have been dealing with the Rush Card issues, as of XX/XX/XXXX I applied for a replacement card to be express deliver that was suppose to come to me on XX/XX/XXXX, which I still do n't have as of XX/XX/XXXX. Keep in mind they charged my account a XXXX fee for express service. Every time I call no one helps me, hang up on me or leave me on hold for hour. I need help

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-12-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NC).
Issue: Problems when you are unable to pay

Complaint: OneMain said they would turn my account over to an attorney and threatening to sue me. This is my second complaint on this company. XXXX for calling me at work and getting me in trouble and now threatening to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Bank account or service (Checking account) with U.S. BANCORP (MS).
Issue: Account opening, closing, or management

Complaint: XXXX XXXX, 2015Institution Name : U.S. Bank ( XXXX Office ) Account/Product Type : Checking/SavingAddress : XXXX XXXX XXXX XXXX XXXX, IL XXXXU.S. Bank has been defrauding me. U.S. Bank began showing different account balances than what was actually in my account and causing me to write checks, withdraw money and incur over-draft fees because the balance that the bank would show ( after all withdrawals ) was not accurate. I began to notice that this was a pattern and had been going on for approximately XXXX-months so I closed my accounts with U.S. Bank and opened a checking account with another bank in XXXX, 2015. I notified Social Security and U.S. Bank well in advance. U.S. Bank received my check from the social security office on XXXX/XXXX/15 and is holding my check. As of today, the only check that has deposited into my new bank account is my XXXX/XXXX/15 check. Last month I notified Social Security that U.S. Bank is holding my check. As, per the Social Security Administration ( XXXX Office ), U.S. Bank is to return my check to them. Apparently, U.S. Bank is still holding my check. People on fixed income need their checks. I went over a month without a check because of U.S. Bank! This caused me to incur major setbacks, and I still do not have my XXXX check. I want an investigation into U.S. Bank, I want my check, I want U.S. Bank to cover all expenses incurred by me, and I do not want any further communication from U.S. Bank

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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: On my TransUnion credit report dated XX/XX/XXXX, there was a hard pull ( regular inquiry ) on XX/XX/XXXX by XXXX. I disputed this inquiry with XXXX, who wrote to me a letter agreeing to request that all credit reporting agencies, including TransUnion, remove this inquiry from my credit report. To date TransUnion has not removed this record, which still stays on my credit report today ( XX/XX/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 11-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I do not now a XXXX XXXX and I do not have a alias nor do I go by the name XXXX XXXX. Please address this issue. Thank you 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 01-04-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I spoke with XXXX of the XXXX credit reporting agencies a few times to dispute a chapter XXXX bankruptcy that was filed XX/XX/XXXX and dismissed. From my understanding, a chapter XXXX remain on your credit report for ( XXXX ) years. The credit company tell me it is their policy as the other XXXX credit agencies do not show it as of XX/XX/XXXX that it will stay on your credit report for ( XXXX ) years if it is dismissed and not XXXX and because they are governed by you the CFPB to do it. This is unfortunate and unfair because it was dismissed and converted to a chapter XXXX after I lost my job. The chapter XXXX was XXXX in XX/XX/XXXX and I think this is another way to penalize those who have paid their bills on time and have established very good credit after their misfortune.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (AZ).
Issue: Application, originator, mortgage broker

Complaint: The J.P. Morgan Chase Hamp Modification Executive Office in XXXX, Ohio is stonewalling me by not completing my resolution for a XXXX Lien Modification. They have been claiming for 4 months that the U.S. Treasury has not given them my correct address based on the information received from my XXXX lien holder XXXX, which did grant me a XXXX lien Hamp modification. They are lying, using the cover of " government inefficiency '' to accomplish their goal of trying to make me give up on this process. The Chase # is XXXX XXXX. Please! I need help. Thanks. 
Committee

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Payday loan () with Harpeth Financial Services, LLC (TN).
Issue: Charged fees or interest I didn't expect

Complaint: Got a loan at Advance XXXX in XXXX, TN. was under the impression like every place you go you get a one time fee not a fee everytime you make a payment, been paying on this loan since XX/XX/2016 and has not got down not even a couple hundred have been paying {$200.00} e/o week and statements show i pay a customary fee of {$170.00} each time this is ridiculous how can they do business this way I 've paid more of customary fees than interest at this point, I also asked them about the installment loan which i thought that is what i got into looks like they did n't even do what I requested because they are just out to get people that dont know any better, I 've never had this happen to me before its really ridiculous that I owe more than what I actually borrowed 4 months later

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NM).
Issue: Trouble during payment process

Complaint: I received an " Annual Escrow Account Disclosure Statement '' from Mr. Cooper Mortgage Company (  a brand name for Nationstar Mortgage LLC ) dated XXXX XXXX, XXXX. My escrow payment increased on the basis of that escrow analysis effective XXXX XXXX, XXXX, and I have made XXXX escrow payments for the revised amount so far this year ( XXXX XXXX and XXXX XXXX ). I subsequently received a new Annual Escrow Account Disclosure Statement from Mr. Cooper Mortgage Company dated XXXX XXXX, XXXX ( a mere three months since the last " annual '' escrow statement XXXX, increasing my escrow payment yet again, to be effective XX/XX/XXXX. I requested the company to respect the XXXX XXXX statement and they refused, saying the XXXX XXXX statement holds.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Bank of America offered me a cash back deal with the following description, " Offer expires  XXXX / XXXX / 2017 . Must make  two sep arate transactions with  XXXX   XXXX   XXXX  on wireless products or services of at least {$15.00} on the card associated with this offer by  XXXX / XXXX / 2017 . Your {$75.00} cash back is earned within 30 days after making your second transaction. " I made a {$20.00} transaction with  XXXX  on  XXXX , and {$32.00} transaction with  XXXX  on  XXXX  with my eligible credit card. I filed an inquiry with Bank of America on  XXXX  and they said I should see the cash back showing up as pending on my account within  5 to  7 days. As of today, I still do n't see it being tracked on my account as a pending cash back.

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 02/15/2017 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Sent dispute to Equifax on XX/XX/XXXX. As of XX/XX/XXXX dispute was " pending '' Contacted Equifax and received conflicting information. An agent named XXXX stated " Equifax can take as long as they need to investigate a dispute. ''

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (MS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company calls me every single day, several times per day, starting from XXXX XXXX and going through XXXX XXXX, from a new phone number almost every time. They do not leave messages, but when I return their calls they answer as Diversified Consultants , Inc . I have asked them to stop calling me, but they still call. I have also been on the Do Not Call Registry since the inception of the registry, updating my request each time I change phone numbers and every few years ( even if I have not changed numbers ). Collectors have been trying to collect from my phone number on a debt apparently owed by a XXXX XXXX since I got this number in 2010, and rather than removing this number from their lists, it gets passed along from collector to collector. This agency is the WORST in terms of frequency of calls and times of calls, and switching phone numbers so that I can not keep their calls blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Deposits and withdrawals

Complaint: Us Bank took a {$100.00} out of my checking account for XXXX that I did not authorize, I talked to net credit and told them that I could pay {$100.00} monthly. I was ask how I wanted to pay and I said I will called it in and pay by phone, I then paid for XXXX 2016. Now when the month of XXXX came, XXXX took {$100.00} out of my account without my permission I did n't authorize an ACH or call in for XXXX to debt my account. US Bank refunded my {$100.00}, to later take the {$100.00} back, US Bank fraud department told me that XXXX has that right since I owe them, but they do n't have the right to go into my account without my approval, they have the right to their money but they must go, I repeat they must go though the proper procedure by law and be approved ( I believe ). By the way I found out that XXXX XXXX had a Charge Off against me, I don '' t think you can charge off and collect to. They are taking my Federal benefits without approval, these tactic needs to stop. I realize {$100.00} is n't much, but it 's the little foxes that spoil the vine. The person I spoke to in US Bank fraud was name XXXX, in the complaint department is XXXX, XXXX. I thank you for the help!

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 10-02-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On or about XXXX XXXX, 2016 I contacted the Equifax CRA requesting verifiable information of several negative events that are being reported on my credit file with this organization. The CRA never addressed my concerns in the letter ( credit trade-line accounts ) and I would like these items deleted from my file immediately. The CRA are violating my rights pursuant to " XXXX XXXX XXXX XXXX - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. '' Please see attached correspondence from XXXX/XXXX/2016.

Company response to consumer: Closed with explanation