milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: For years I have been trying to get my cosigner released from my loan. I always pass the pre-qualifcations phase but then when I submit my application its denied. The last time I did this. I was told that they would not release me no matter what and that when my cosigner died they will go after her estate. I have never been late once and have followed all of their rules. My cosigner is XXXX, has no estate, and has never ever had to amek payments. My history of paying this loan is great as well as I make significant income. Today I was told by a customer service person that my cosigner wo n't ever be released even though their qualifications state that i meet them. She said the only way to get my cosigner off is to pay the loan off myself. She was rude and condescending. My statement is vague and I do not believe my balance nor the amount I owe is correct. It says I am paid ahead but I have never heard of such of thing. I also don ; t understand all of the threats when I have always paid this loan on time always.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Total amount due from the original company ( XXXX ) was XXXX upon disconnection including 3 % sales tax ; however, XXXX has informed On Line information services that I owe {$970.00} dollars whom has stated in a letter that On Line services has no duty to provide verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Other

Complaint: I have a credit card account with Capital One. The limit on this account is {$500.00}. I took a couple of cash advances when the account was first open. I have made purchases also. Never have I exceed the {$500.00} dollar limit. However on each monthly statement, " Balance subject to interest rate '' on purchases amount changes after each payment. It either goes up on down depending on purchases and payment. The interest on " Balance subject to interest rate '' is the same as Cash Advances. The balance on CASH ADVANCES has only decrease less than {$2.00} over the last two years, BUT the interest rate is the same as for PURCHASE. Payments have been made over the last 2 years. No portions of my payments have been applied to CASH ADVANCES. There were times that I paid more than the minimum on this account and NOTHING has gone toward the CASH ADVANCES balance. HOWEVER, I am being continually charged the same interest rate and not seeing a declining balance. Each month this company is getting an extra couple of dollars buy not applying any of the payments toward cash advances. All payments goes to purchases until this account is paid off. But there is the interest charges continuing on cash advances even if you make more than the minimum payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have been a victim of inquiry issue. There are incorrect inquiries on my report and some that have previously been deleted and are back again. Also I have XXXX collection account from XXXX that has been paid but is still reporting a balance. They are not updating my info and have n't been.

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 03/27/2017 about Credit reporting () with EARLY WARNING SERVICES, LLC (TN).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XX/XX/2017, I sent Early Warning a procedural request letter, citing FCRA section 611. I sent this request letter via Early Warning 's Consumer Services online portal. I have confirmation that Early Warning Consumer Services employee XXXX viewed and downloaded my letter on XX/XX/2017. 

Per FCRA section 611 ( 6 ) ( B ) ( iii ), Early Warning should have responded to my letter, no later than 15 days after receiving my request. I did not receive a response from Early Warning pertaining to my request letter dated XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Mortgage (Other mortgage) with FIFTH THIRD FINANCIAL CORPORATION (GA).
Issue: Application, originator, mortgage broker

Complaint: I have a loan for a lot in XXXX Florida with 53 bank for many years. this lot actually belongs to my sister and her family who is making the monthly payment through me.she could n't get a loan back then so I got a loan for them so they can have a small investment before economy down turn. We have been making a payment every month right at due date on the clock all these years. in the past before loan becomes mature I was being contacted and they would renew the loan with no issues. This time I was not contacted prior to loan become mature on XX/XX/XXXX. Then I 've got a call demanding the loan to be paid off in whole including all penalties which it comes to about {$68000.00} I explained this is impossible with such a short time so if there was anyway they can reconsider of refinancing it so my sister 's family has more time to come up with other means of getting loan on their residence and pay off this loan. this has been going on for almost more than 30 days. every time I call they are stating they need more documents and they are working on it. Last commutation was this morning. In the meantime I am getting calls from their collection dept every day sometime few times and I have to explain to different people the same thing and give them an update of their bank 's action. Seems like 53rd bank either do n't communicate with their own departments or they do n't have an access to the same file or perhaps right hand does n't know what the left hand doing, During all this we have been making our monthly regular payment of {$400.00} a month without interruption. These are beside they reported delinquency to my credit file so my credit score from XXXX dropped to XXXX technically we are not late on the loan and still making the payment. I told them we need to sort this out as soon as possible so we can stop the bleeding of destroying my credit any further and start cleaning it up but still no action. 
I am getting calls from other creditor due to low credit and they are cutting my line of credit as a result. 
In the meantime I was told by their collection dept that 53 bank getting ready to shot sale the lot which is totally wrong specially when I worked so hard to get the loan extended and hold off is from their side, not my side. 
XXXX XXXX is my only hope to get my voice to the proper authority for help to fix this problem and help getting my credit back for this unfair act of 53 bank. 
Furthermore I have most of the communication that was done via email which I can supply upon request. Also I would request to check my credit history and see if there was ANY late or delinquency for past 22 years and since I moved to XXXX I 've heard Consumer Protection helped so many people to get them back on track and I am hoping to such a result in this case. 
Thank you for your time and help in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There are some items that I believe they should n't be in my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I contacted Experian asking them to take my public records and tax liens off of my credit. It is still on there and I am wanting it removed. I know there is a new law for credit reporting companies to take those things off of your credit I have asked them and they will not do so.   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 08/19/2017 about Mortgage (Conventional home mortgage) with CITIZENS FINANCIAL GROUP, INC. (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: To Whom It May Concern : On XX/XX/XXXX I was pre-approved for a mortgage of {$200000.00}. I told the loan office my wife would be moving from XXXX to XXXX, XXXX before me as I was searching for employment. My wife already had a job in XXXX. It was never mentioned that I must show proof of income in XXXX. The loan process continued and I sent in XXXX 's, tax returns, ect. as instructed. I then paid {$550.00} for an appraisal that occurred on XX/XX/XXXX at XXXX. On XX/XX/XXXX I was contacted by XXXX XXXX and was told they needed my proof of income in XXXX. I stated, again, I would be living in XXXX, rent free, while I continued to look for employment. I went back and forth with the bank and eventually the VP of underwriting said my financing would not be approved. The financing was denied even before the appraisal results had come back. I requested a refund for the appraisal and home inspection ( {$300.00} ). I was told the inspection would not be refunded because it is required and the appraisal refund would be requested. I was told my appraisal would not be refunded because the bank did nothing wrong. I disagree with this decision and I believe the bank was deceptive by allowing me to pay for a service when they had no intention of financing this loan. I also believe they acted unfairly by never making sure I 100 % understood that financing while living in XXXX was off the table. I ca n't believe they would have the audacity to pre-approve me, take {$550.00} from me and then approximately two weeks before the scheduled close date inform me they will not move forward with the loan. I would like XXXX XXXX to refund my appraisal in the amount of {$550.00}. Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
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: XXXX, and Equifax reported I and joint owner XXXX XXXX were 30 days late in XXXX, XXXX on real estate mortgage account XXXX XXXX XXXX XXXX XXXX. 

I disputed this - House was sold XXXX XXXX XXXX Mortgage was paid in full. 

XXXX changed the 30 day late to XXXX XXXX and added OK for XXXX XXXX Equifax left XXXX late in XXXX XXXX and added OK for XXXX XXXX and OK for XXXX XXXX Attached is notarized Bill of Sale and Title company Settlement documents stating Paid in full for mortgage and second mortgage dated XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I moved from my condo and disconnected my bundled tv through XXXX and XXXX and paid the bill off through XXXX & XXXX, however XXXX turned the amount I paid them to satisfy my bill into a debt collector. I 've contacted XXXX 8 times and they have where I satisfied the bill but have n't contacted the debt collector to take this charge off. I do not owe the {$340.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NY).
Issue: Application, originator, mortgage broker

Complaint: I am filing for a loan modification through the program harp set by the government because i am behind my mortgage payment with Ocwen mortgage servicing, llc, and the relationship manager for my case have encouraged me to do so since the principal amount and interest have been accumulated to {$21000.00} u.s and the bank will not consider a deffered mortgage payment. However, i need help to obtain the modification with OCWEN mortgage, because all papers ' work has been filed and sent to the bank three months ago. But the bank consumer department issued a relationship manager to help with each case.However, this relationship manager by the name XXXX XXXX working for the bank has developed a tactic to prolong the papers'work by extending the scheduled appointment each time for next month under the pretext that my papers works or documents are not completed so that the principal amount for the mortgage will be accumulated every month and the interest accrued before sending my application for loan modification to proper authority or government agency for practical review. I inquire and suggest a torough investigation to be conducted by the consumer finance department about my loan modification application for my property and the time consuming to obtain my approval and all the papers works which were provided to them along with my application. 
. 
In the hope to hear from you ... .. i salute you in the three points of the triangle..

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: Bank of America failure to reverse illegal deductions from account that had money removed by unauthorized person. Use of my ATM Bank of America card was skimmed by a criminal and they stole money from my XXXX account. Bank of America indicated I would need to wait 10 days for reversal of funds, or longer. This is an account for people on state XXXX, Bank of America will reverse for their own B OF A customer but not for a XXXX / XXXX account that was implemented by State of CA. These are accounts that are provided thru the banking institution of Bank of America and the recipient has no choice in the institution that pays them. Bof A bank should treat ALL accounts in the same FDIC protected manner. Someone on XXXX had no choice in the manner of getting payments in this form while out with illness, that is regulated by the State.

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 06/17/2016 about Credit card () with DISCOVER BANK (AZ).
Issue: Billing disputes

Complaint: I made a rental car reservation online through. I was not going to be able to use the reservation. I called XXXX to request a refund, they said my reservation was nonrefundable, non transferable, and no changes could be made. I called discover, my credit card company to dispute the charge. They called priceline on a XXXX phone call, and the resolution was my reservation would be canceled and they would provided a refund. I did not received a refund and disputed the charges with my credit card company, discover. XXXX canceled my reservation and did not provide a refund, and I was unable to use the reservation even if I wanted because it was canceled. It is my opinion priceline voided the contract/agreement by canceling my reservation and had a duty to refund my money. Discover said they would not refund my money even though I did not receive the services I paid for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-07-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: FedLoan granted me a deferment yet wont update the granted request through the credit bureau ( XXXX, XXXX or XXXX ). When companies view my report they are under the impression that I never paid which is causing a late payment report from 30-120 days late under a total of XXXX different accounts. this is a double standard as to what was granted to me. I have suffered from this Fedloan servicing admission of falsely reporting to companies for over 3years.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked repeatedly for proof of payment history and XXXX XXXX XXXX XXXX is refusing to provide documentation. Documentation is being required by another lender. Without proof, XXXX XXXX XXXX XXXX is pushing my family into financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Payday loan () with TMX Finance LLC (GA).
Issue: Charged fees or interest I didn't expect

Complaint: The lender is Instaloan in XXXX, GA. I acquired a {$600.00} loan but was not told that if I did n't pay off the loan the next month that it would cost me {$120.00} and month per month unless the loan was paid off. So now my loan balance is {$730.00}. That is what I would have to pay to pay off the loan. So basically if I ca n't pay the loan my balance goes up each month even with paying the {$120.00} fee each month.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Bank account or service (Other bank product/service) with SUNTRUST BANKS, INC. (NC).
Issue: Account opening, closing, or management

Complaint: Dear Sir/Madam, After changing my address at USPS, Suntrust Bank sent a notice that my mail address has changed. I have never had an account with Suntrust! After calling them, they said I have a loan account with 0 balance. 
They created a fake account under my name for their purposes I am thinking like XXXX XXXX did. 

Please have an inquiry on this matter

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 07/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (GA).
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: Dates and amounts are contained in the attached files. In summary : I had my eyes checked at the XXXX vision center, ordered lens from them. Could not use them, they gave distorted and blurry vision. The XXXX XXXX XXXX scheduled another eye test, got it and they ordered new lens. The vision from this second order was worse than the first. I notified XXXX Store Management and they just shrugged and offered no resolution. I called NFCU and said I want to dispute the XXXX charges, repeated in excruciating detail all that had happened and asked if they needed the location of the store. I was told that they had all they needed. Shortly thereafter I received a letter with a form in it. I filled out the form and sent it back to them. My wife then gets a letter with her credit card number on it saying they are not going to dispute the charge because she did not return the form in time. I did, the delivery receipt is attached. I also received a letter, with my credit card number on it, with a bunch of checked boxes indicating what forms were required. All documentation detailing this is attached as files. It appears that these credit card people are in total disarray and are throwing up their own administrative obstacles in an attempt to NOT resolve this credit card dispute with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit card or prepaid card (Store credit card) with WELLS FARGO & COMPANY (CO).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I paid off a Wells Fargo retail account back in XX/XX/XXXX. My wife did not realize I paid it off and sent in 2 payments totaling {$1500.00}. ( XX/XX/XXXX and XX/XX/XXXXpayments ). I have since tried numerous times to get these monies refunded back to me. They originally said they would mail out a refund check ( in XX/XX/XXXX ) ; the first check never arrived. I called Wells ( XX/XX/XXXX ) and they said I would need to fill out a notarized affidavit and send it back in and they could reissue  the check. They explained the process could take an additional 25 days. I requested to speak with a manager since this was putting me into a financial hardship. The manager i spoke with agreed with me and explained I would NOT have to fill out an affidavit and a new check would be reissued. I did receive the affidavit in the mail a week later but no check. I was under the assumption from the manager I should be receiving a check so i waited a bit longer. Finally on XX/XX/XXXX I called Wells again and was told by another associate ( XXXX ) that the matter would be resolved and a check would be re-issued. She told me to wait a week or so and call back to verify that it was sent out. I called today on XX/XX/XXXX and again no check had been mailed out. I now spoke with another manager ( XXXX ) and he says there is no way of getting around the affidavit and they will send me another to fill out. My point is they will not allow me to go into a branch to do any of this and now I feel I am jumping through major hoops to try and get my money back. It has been about 60 days now I have been told numerous things from many reps in their retail division but am yet to receive my {$1500.00} 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 explanation
Consumer complaint received 10/14/2015 about Debt collection (I do not know) with CITIBANK, N.A. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am in the middle of a Debt Settlement program. I have explained this to One Main Financial. They have called my work and left messages. I ma a teacher and unable to accept calls at my work. I am aware of the debt and it will be paid, however, my company XXXX will take care of this. They are harassing me and I am frustrated with their tactics.

Company response to consumer: Closed with explanation