milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-10-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I worked diligently to make 12 monthly on-time consecutive payments ahead of applying for cosigner release. Navient denied my application stating that I had not made the necessary on-time consecutive payments when in fact, a look at my statement clearly shows the payments were made as required. A representative for Navient tried to tell me it was due to how I made my payments ( I have my payment go from my bank to Navient in XXXX installments each month, both completed before the due date ). They further claimed that a couple of my payments were less than required. At this I asked if it was the case, then whey did I not received a late notice or fee. I shared with representative I spoke with that the payments were smaller in the cited months because the interest rate was lower. Still I received no acknowledgement that the payments were on time. 
Further, in my communication with Navient, they said they had only looked at one criteria for the denial and had not even looked at others such as credit score, etc. yet. My question is if there is an application submitted, why not weigh it against all criteria at once. Why tell me no, then if I get over that hurdle, tell me no again for another reason. Navient painted a rosy picture misleading me that the cosigner could be released, but instead have put up tons of roadblocks. Clearly, Navient has no intention of releasing the cosigner and will continue putting roadblocks to prevent this from becoming reality. 
Morever, there was a time when I was experiencing hardship and called Navient to ask that they reduce my payments. I indicated that I could pay {$50.00} a month. Navient steered me into deferrement ultimately increasing the overall cost of my loans. I 'm not in the business of quoting Donald Trump, but " These are some very bad people ... '' Even today, my loans are strangling me. I do n't even bother to call anymore, I just pay and sacrifice the rest of my life. Another quote " Sad! ''

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was in the process of purchasing a car for my daughter & I got pre approved by XXXX XXXX ... I contacted two dealerships ( XXXX XXXX in XXXX & XXXX XXXX XXXX ) & forwarded my pre approval with XXXX XXXX but they still ran my credit without my consent ... They knew I had a pre-approval & I wanted to go with XXXX XXXX ... I emailed them my pre-approval as well so they would know the condition of my car loan ... Now I have all these hard inquiries on my credit report which should not be there ... The only one  that should appear would be XXXX XXXX & XXXX ( my credit union ) which I applied with before I got my pre approval with XXXX XXXX. TD AUTO, XXXX XXXX, XXXX XXXX & XXXX XXXX should have not ran my credit ... I have attached the emails between the two  dealerships showing they knew I had a pre-approval through XXXX XXXX ... Please have them delete these HARD inquires of all three  credit bureaus ... Greatly appreciate it ... Thank you ...

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Consumer Loan (Vehicle loan) with FC HoldCo LLC (WV).
Issue: Problems when you are unable to pay

Complaint: XX/XX/XXXX I purchased a vehicle from a dealer. they financed the car through flagship credit, I mad my payments ok for awhile, even though it was a struggle.i told the dealer what I could afford, but payments were higher. in XX/XX/XXXX my husband had a XXXX, about 6 months later we were told that he had XXXX, through all of this I have been receiving harassing phone calls, even after I make arraignments to make a payment. recently I was XXXX short on a payment. 
was told by the representative that it did n't count as a payment. told them when I coluld pay more, after that I kept receiving phone calls harassing me about the past due payments.i get numerous call every day. they wont even give me someone to talk to to discuss refinancing to make payment smaller. my husband is also XXXX, it is to much to deal with, but we do n't have money for another vehicle, I am so stressed all the time about the bills and possibly losing my car

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 12/30/2015 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: M & T Bank is reporting a foreclosure on my credit report which is incorrect info. 
I had an account that XXXX incorrectly started foreclosure proceedings but we went to court and they lost and we paid off mortgage balance. I have disputed this matter with credit report agency 's as well as M & T Bank however they refuse to send the verification info as to what they are reporting and why.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: A review of my credit report has identified a public record dated XXXX/XXXX/XXXX, Judgment ( XXXX XXXX XXXX XXXX XXXX, Case XXXX ). This public record is a civil judgment regarding a bad debt to a credit card issuer. While the original trade-line has been deleted and replaced with the judgment, the original Date of First Delinquency was XXXX XXXX. Based on the information in my credit file, it is due to be deleted in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (KY).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I called into the PNC call center about a 2 overdraft fees. I was sent to the escalation department. The case worker there was rude and unhelpful. I ask to speak to a supervisor. She rudely said to me " that the overdraft fee would not be refunded regardless of who I spoke to ''. I was told that if I had a problem with that I could send a letter to corporate. Today, X/XX/17 I called the corporate line I found online. A male consultant then told me that if I wanted to go ahead and use my card, I could opt into overdraft protection ( which would just charge me more in over draft fees. ) I have been treated aggressively and the customer service reps refused me the opportunity of speaking to a supervisor. I feel the refund was due because of a bank error. I had an overnight direct deposit come in. The bank processed the deposits after allowing my account to over draw. I feel the bank allowed this to happen to exploit the circumstances and make money off my account. I am not asking for ALL 6 of the overdrafts ( at {$36.00} each for a total of {$210.00} ) they have charged me this month. Just the 2 that went through last night.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Was a cosigner and instead of checking main applicant, salesman took it upon himself to totally check my credit without notifying me until the day to sign I find out the loan was all me instead of the actual individual that I cosign for. That is why I have so many hard inquiries. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Rewards

Complaint: On XXXX XXXX, 2016, I applied and was approved for a Chase credit card. The terms of my sign-up bonus were : " XXXX XXXX with a required {$2000.00} spend in the first 3 months. '' On XXXX XXXX, 2016, I contacted Chase via Secured message asking them to change the terms of the sign-up bonus. I found a sign-up bonus that works better for my goals. The new terms were : " XXXX bonus XXXX after the first {$2000.00} in purchases within 3 months of approval, XXXX bonus XXXX after {$10000.00} in purchases within the first year, XXXX bonus XXXX after {$20000.00} in purchases within the first year ''. On XXXX XXXX, 2016, I received a reply via Secure message that stated that " We are pleased to confirm that we will honor your request to receive the tiered XXXX bonus XXXX enrollment incentive. '' The message reiterated the new terms and stated that " After you have exceeded {$10000.00} in purchases and {$20000.00} in purchases, please contact us at that time and we will add an additional XXXX bonus XXXX to the account. '' On XXXX XXXX, 2016, Chase removed this message from my XXXX XXXX XXXX. On XXXX XXXX, 2016, I contacted Chase via XXXX asking them to remind me the terms of my " upgraded sign-up bonus ''. The same day, a Chase representative ( initials XXXX ) replied : " Once you 've reached {$10000.00} spending, you would be awarded XXXX bonus XXXX, or after {$20000.00} spending, you would be awarded XXXX bonus XXXX ''. By that time, I had reached the {$10000.00} threshold and asked Chase to issue XXXX points. The representative advised me to wait until I reach {$20000.00} so that they can submit that request for the full amount. On XXXX XXXX, 2016, I contacted Chase again. They verified that I reached the {$20000.00} threshold. However, they changed their mind and denied my request for additional points. They retracted the written promise that they gave me on XXXX XXXX, 2016 and verified again on XXXX XXXX, 2016. I understand that it is up to Chase whether or not to match a better bonus. However, once a promise is made, it must be followed. I acted upon that promise and tried to spend on the credit card as much as possible to hit the required threshold. By doing that, I gave up on other opportunities given me by competitors. I would have spent significantly less on my BA Chase card, had I not received the written promise, not once but twice. If they were unwilling to extend the bones, they should 've done it on XXXX XXXX. Instead, they did a classic " bait-and-switch '' : they gave me a promise, I acted upon it, and then they retracted once I fulfilled the terms of the offer they extended.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are 4 accounts showing on my Experian credit report. The account numbers are : XXXX, XXXX, XXXX, XXXX. First and foremost, these accounts are fraudulent accounts. Second, Experian is allowing XXXX to change dates on the account and change the account history in order to Re-Age the accounts and also Reset the Statue of Limitations. I spoke with 2 representatives of Experian on Sunday, XXXX and XXXX. They both informed me that Experian signs a contract with the creditor and the creditor promises through this contract that they will report accurate information to the credit reporting agency. However, neither XXXX nor Experian are abiding by the contract nor being truthful. These accounts are continuing to be reported and they are Fraudulent. XXXX is deliberately attempting to Re-Age these accounts and also Reset the Statue of Limitations. Experian is allowing this violation of the FCRA an FTC to happen. This is Illegal and therefore should on so many grounds be removed from my credit report Immediately. I have attached copies of my credit report from different dates showing how Experian has allowed XXXX to Re-Age and Rest the Statue of Limitations on these accounts.

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 01-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CO).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: i got letter from citicard that my card ending in XXXX  had been credited XXXXper agreement with you..i never received this credit..i called citicards and theysay the credit was issued but could not give me a date..i have-not been credited this settlement amountXXXX 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 explanation
Consumer complaint received 03/14/2017 about Mortgage (FHA mortgage) with OCEANSIDE MORTGAGE COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have a delinquent tax account with my township. I emailed the mortgage company initially and got a response that did n't even address my tax situation, they simply replied by telling me of my most recent tax payment ( from escrow ) and told me to email again with further questions. After a few days, I called the servicing department and got someone on the phone. There was nothing she could do, but gave me an email address for the " delinquent tax '' department. I emailed them and got an auto response that said I should receive a reply within 24 hours. That was XXXX XXXX. As of today, XXXX XXXX, I have n't gotten a response. I have been in contact with the person who processed my loan ( loan officer ) and she has been very nice, but still nothing has been done. A few days ago, I emailed servicing department again and got another generic reply but this time it said the status of my issue was " solved '' even though nothing has changed. There is plenty of funds in escrow to pay my delinquent tax. It is nearly {$1900.00} including almost {$40.00} in interest. A portion of this past due amount is from the XXXX of 2016 and will soon go into tax sale, at which point a lien will be put on my property. I have been trying to get this resolved for several weeks now. I have requested to speak with a manager on several occasions to get it straightened out but that does n't seem to be an option. The last thing I was told was that they would get back to me within 4 business days ( that was Wednesday evening ) and I have n't heard from them as of XXXX today XXXX XXXX. All I 'm asking is for my taxes to be paid by my escrow account and paid accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: I am writing to express my concern about Scottrade Bank when my online account was hacked while I was overseas. At this time I had both a Scottrade Brokerage and Scottrade Bank account. I reported the fraud to Scottrade and was instructed to provide a police report as well as other materials which I did. I respectfully requested Scottrade cooperate with the law enforcement agency but they refused and stated I must go through an internal appeal at Scottrade. When I inquired on how to submit a formal complaint for internal review, Scottrade stated that " Corporate HQ '' would get back to me. Well " Corporate HQ '' did not get back to me and after 20 phones calls, numerous certified letters, and complaints with third parties, Scottrade vaguely informed me that I would have to submit an appeal in writing, which I promptly did. 

What Scottrade Bank failed to inform me about was that there was a specific Scottrade Bank form for disputing fraudulent transfers and or hacked accounts available here : XXXX I am unsure why Scottrade did not follow their own procedures for dealing with hacked accounts but I am sure that Scottrade 's failure to follow appropriate procedures appear to be an abuse of their position in an effort to avoid liability for the hacked accounts and failed database protections. 

I am writing to the CFPB because Scottrade refuses to acknowledge or respond to any of my complaints and I am kindly requesting Scottrade provide me an opportunity for a de novo review of the situation. I have provided Scottrade with a completed account activity dispute form and will be expecting a response. The dispute form is available here, XXXX, and Scottrade Bank has written policies about how to process the form. 

If Scottrade refuses to provide the requested documents and take appropriate action, I am specifically asking Scottrade provide me with a copy of the original arbitration agreement ( if it exists ), a request that Scottrade has refused to respond to on over XXXX different occasions.

Company response to consumer: Closed
Consumer complaint received 09/20/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I completed school in XXXX and experienced financial hardship and was unable to repay the debt owed. I have ( XXXX ) dependants that rely on me and my income is very low. I requested a deferment program due to financial hardship in XXXX XXXX via The Economic Hardship deferment program and the application was mailed to you ( see copy ). 
In XXXX I advised you too take a partial payment from my XXXX tax refund and this was offset by the IRS and the balance I was advised, would be deferred until XXXX XXXX. My request for deferment was mailed to you but still this account is reporting a default on my credit files and this incorrect information is causing me extreme financial hardship. The matter arises from non receipt of my mailed application, it is an error deriving from a mailing loss issue and I should not to be held responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I used my lender 's online site this month to pay our monthly mortgage payment. I noticed that our payment had increased by {$120.00}. The increase was in our escrow. I had to call three times and still I do not have an answer that I understand or feel confident in. The first individual that tried to help me did nothing but babble and I soon discovered that she had no idea what she was telling me. I asked to speak with somebody else and she said, " I will be more than happy to help you with that '' and hung up. I had to call back, and maneuver through the labyrinth that is their automated system, and spoke with another individual who told me this was a mistake with the website and it would be corrected. I checked again later and the payment amount had not changed. I called back and was told that this was not a mistake, but the payment was increased because a check was sent to me in the prior month to cover that increase. I also found out I was sent two escrow refunds to us but I did not get it because the lender did not include my unit number on any correspondence ( which is ludicrous because THEY hold the mortgage to this unit ). The third individual said the increase was an accounting issue, updated my account, and assured me that our money would be resent to us. However, I still do not trust this and I really have little confidence in this lender. We have received no correspondence, phone calls, or emails from this lender regarding any issues with returned mail. In fact, they did not receive our renewed condo master insurance policy, and instead of contacting me by mail, email, or phone, they simply took a huge sum of money out of our escrow and sent me an email AFTER the fact. I was able to correct that issue, and the money was returned to our escrow. But these issues really make me question the competency of this lender and whether our account is really in good hands.

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 04-05-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I recently went to re-certify my income based repayment plan and I was denied my previous repayment plan due to my wife 's salary. They took my wife 's salary into account, but they did not take into account my wife having to repay loans. Therefore they do not recognize that she now has a job, but she also now has to repay her loans. They only took the information that would cause me to have to pay more without looking at the entire financial situation. We pay almost {$2000.00} a month in student loans between federal and private.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/16 and inquiry was made with this bank for a XXXX card by my ex wife and without my knowledge or consent.I was unaware until i gained access of my XXXX XXXX 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 06/19/2017 about Credit card or prepaid card (General-purpose prepaid card) with Synovus Bank (FL).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: 1. When I call the Customer Service number, there is no way to get to a human being.
2. There is an option about 5 minutes into the recording that says press 6 for customer service, but after it again, gives you your balance due and offers to take a payment the phone always disconnects.
3. Web site has consistently been down for over 45 days now.
I have proof that I would like to submit.
4. If you try to contact them online, there is only an option to apply for this card or a link to go online for customer service, but it takes you back to their site that claims that Here is the exact wording : " The Customer Center is currently offline for maintenance. Please tr again later. '' Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I am writing this letter because I am fighting to save my home .Wells Fargo Bank and its attorneys have refused to offer me an affordable modification under HAMP, nor have they inquired as to my financial, qualifications so that I may stay in my home with my family. The state court has ignored my pleas in Illinois circuit court case XXXX XXXX. What is the purpose of the Consent Orders in XX/XX/XXXX, XX/XX/XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller and receiving a modification according to value of the property.

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