milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/21/2016 about Credit card () with AMERICAN EXPRESS COMPANY (AZ).
Issue: Customer service / Customer relations

Complaint: I am not sure if this falls within your scope, but American Express has refused to help me because I can not get a driver 's license as I am legally XXXX. I have attempted to get my name changed to my legal ( married ) name for 2 weeks. I have provided them with a copy of my state issued ID card, which has worked fine for everywhere else, but they refuse to accept it because Arizona ID cards do not have expiration dates on them. They have lied to me multiple times, claiming they emailed me ( They did n't ), that their systems were down ( Hard to believe ) and that I would get a call back from a manager ( I have n't ). All I want is for them to not treat me differently because I am physically incapable of getting a driver 's license.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2018 about Debt collection (Other debt) with Ideal Collection Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have attempted to settle the debt several times by phone and they refuse to settle or accept any payment other than the whole amount at one time, Ive asked them to send me the documents about the debt and theyve refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Struggling to pay mortgage

Complaint: I applied for a loan modification but was denied. The written explanation does not make sense based on the information provided for loan modification

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Consumer Loan (Vehicle loan) with KEYCORP (NY).
Issue: Managing the loan or lease

Complaint: I applied and received a boat loan though key bank in XX/XX/XXXX and it was for 15 years or XXXX payments.Over that period I received promotional correspondence of a skip a payment promotion which I took advantage of XXXX different times. How it worked was i would send Key Bank XXXX dollars and they would hold that payment and add it to the end of the loan term, which in essence would make it a XXXX payment loan as Key Bank describes it.My final payment was due this past XXXX, which i have n't paid as of yet, Because in XX/XX/XXXX Key Bank contacted me that my final payment which i thought would been the same as the other XXXX payments of XXXX dollars was going to be in excess of XXXX dollars because I took advantage of the promotional skip a payment program, which they claim those XXXX payments had been accruing interest from the time i skipped those payments.Now I do have XXXX of these promotional letters with the mail in coupon at the bottom this promotion did not take advantage of at the time, also will attempt forward it to you in my documentation. This to me is DECEITFUL and not a promotion and consumers including myself should be aware of these slight of hand practices ... .Please help me with this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-02-2016 about Credit reporting () with CORELOGIC INC (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I already sent CoreLogic Credco a legible copy of my passport and utility bill. 

They refuse to send a copy of my consumer report as requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have written to Specialized Loan Services, LLC to obtain documents associated with my refi loan. As I understand it, when loans are transferred from one lender to the next, all of the documentation goes to the 'new ' lender. 

As such, I would like to obtain copies of the following documents : 1. all of the originating loan docs from my refi with XXXX 2. the payoff disclosure statement from XXXX, stating the exact payoff amount remaining from the previous loan - this money was folding into my refi 3. a  copy of the cancelled check and or electronic payment showing payoff of the remaining balance for the XXXX loan Please provide me with this information. Thanks.

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 03/22/2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was off work on medical leave for 3 months. I slipped a bit on some of my bills. I sent Synchrony ( Lowes ) a payment to get caught up after I received an insurance settlement. They had already cancelled my account. I had been sending them money but they said it was n't enough. They call my house anywhere from 4 to 10 times a day 7 days a week. The same for my cell phone. I set up a 2 month payment with them and made the payments. The day after my second payment they called and asked for more money. I know I owe them and do n't need reminded 70 times a week. I am getting back on my feet and sending them some money but they are killing me with fees and charges on an account that is closed.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax is saying " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (VT).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I submitted a complaint in XXXX XXXX, case # XXXX after 6 months of unsuccessfully trying to get a clear answer from FedLoan on a repayment issue. XXXX received a response on my behalf at the end of XXXX XXXX. I was not able to access the response online and requested a paper copy. After considering the details provided and researching my own documents, I wanted to dispute the response provided by FedLoan but I have not been able to find a way of doing this online. The aspect that I want clarified is the disparity between the figures FedLoan presented in arguing the case and the figures presented in my original loan repayment agreement, supported by 12 months of direct debits from my bank account. The FedLoan response claims that my repayment in year 1 ( XXXX ) was {$350.00} per month, but their document to me and my bank documents show that the amount was actually {$240.00}. The difference in these baseline figures is what is getting in the way of me understanding all the other calculations made. It suggests that I am not on the repayment plan that FedLoan says I am on - and on which repayment calculations are based. Significantly, I made my decision to consolidate with FedLoan based on the lower figure given to me, not the higher figure stated in the recent dispute. 
As a result of the much increased payments - for which I had not budgeted - I cashed in a small pension to help make the payments which had become difficult because I had to help my XXXX child with her school fees ( without adding to the consolidated loans for my XXXX older children ) and replace household equipment. The impact of that pension cash-in has been to make it look as if my income has increased by {$8000.00} ( even though my actual income increased by only about {$1000.00} ) and so my recalculated payments this year will be even higher. I am in a spiral of increasing poverty with increasing payments and getting further into debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are several items on my report reading " in-dispute ''. While I did ask for more information at one time I never disputed the results sent to me. This is now causing me a problem with mortgage approval

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Credit card () with CITIBANK, N.A. (MN).
Issue: Late fee

Complaint: Hello, I was charged a late fee on my citi credit card on XX/XX/2016 and when I called to reverse the fee about a week and a half later ( and subsequently closed the account ), I was told by the representative that it was removed successfully. I did n't see that reflected on my account on-line so I called them again which I was told that the on-line information wo n't change since the account has been closed. To my surprise, I was charged again with another late fee on XX/XX/2016. After I called the company to resolve this, I was assured again it was resolved and the account will return to XXXX balance the following day. When this did n't happen, I called them again, and this time they told me they are unable to reverse the late fee because they are " valid '' charges. I was also told there is no log of the late fee reversal was successful from their " note '' to prove what I was told before. However, I was not aware of the fact that I need to specifically request to log what the previous representative told me on the " note '' in order for subsequent agent to follow or acknowledge as such information is not provided through my previous calls, online, or through mail communication. I think my credit was hurt because of the fact that the bank provided false information on multiple occasions and push me into worse and worse financial situation via compounding fees that I would n't been in otherwise. The representatives kept telling me it was taking care of but it was never done and since each inquiry requires waiting time, the late fee is accumulating and they changed their story when it is too late. It is the bank 's responsibility to provide consistent and accurate information to its customers as they will be placed in the disadvantage position if they can not trust statement from the agents who are representing the bank.

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 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I previously disputed inquires on my credit report that I did authorize in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The following inquires were disputed : - XXXX : XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX : XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX However, Experian sent me a letter each time that the information was verified but could not produce any documentation with my signature nor my consent.

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 07-10-2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Under 1693c - ( b ) Notification of changes to consumer A financial institution shall notify a consumer in writing at least twenty-one days prior to the effective date of any change in any term or condition of the consumer 's account required to be disclosed under subsection ( a ) if such change would result in greater cost or liability for such consumer or decreased access to the consumer 's account. <P/>USAA restricted my account access only to shortly close my checking account with no notice and without detailed explanation. I have been unable to make electronic transfers to remove my funds, or even see my balance due to their actions. I 've requested documentation but have n't even so much as received a statement. Therefore, USAA is knowingly in violation of this Consumer Protection Law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Prepaid card (Gift or merchant card) with Blackhawk Network Holdings Inc. (MI).
Issue: Fees

Complaint: I was sent a prepaid card unsolicited that supposedly contained a rebate for a purchase I made. I did make the purchase but did n't request the card. The fees and challenges of using the card made impossible to apply its balance to purchases. I have since received a second card unsolicited, which I am refusing. The card comes from Blackhawk Network, associated with XXXX XXXX XXXX XXXX, SD. The rebate was for XXXX products manufactured by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Bank account or service (Checking account) with PNC Bank N.A. (IN).
Issue: Problems caused by my funds being low

Complaint: I bank with PNC Bank. I have for 10 years. Recently .... They continue to take money from my account. I have had {$930.00} taken in past 2 weeks. I have had XXXX {$36.00} fees ( {$140.00} ) totalling {$540.00} just on the same XXXX checks. These fees include a {$36.00} overdraft fee and {$36.00} return check fee on XXXX separate occasions. They attempted to put the check back through when there was no money to cover them. I have an automatic deposit each week. I looked and the deposit went the through last night for this week and the next day my card was declined. They fabricated XXXX overdraft fees ( {$140.00} ) which made my account negative {$88.00}. The account would not be negative if not for these fees. I can not pay my utilities. I have XXXX XXXX children and can not afford food electric or water. I have had a negative balance for 2 weeks and they have charged several {$21.00} fees for maintianing a negative balance and an additional numerous if not daily {$7.00} fee for the same reason. I have paperwork to show these fees. I need help. I ca n't close account with outstanding checks and ca n't make deposits without them taking it all for themselves. PLEASE HELP ME. I need this money back to care for my XXXX children.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (RI).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/2016 the dept. of Hud had removed my pmi insurance as I reached the 76 % ratio.In XXXX XXXX sent me the hud statement that my pmi insurance was removed and also a statement of my new mortgage amount.It went from XXXX to XXXX.In the middle of XXXX XXXX. sent a notice of mortgage sale and transfer to Carrington mortgage services.I had received no paperwork from Carrington until middle to late XXXX. Since I had no paperwork, I had sent a payment of XXXX in early XXXX as not to be late.In late XXXX.Carrington sends me their mortgage statement with incorrect percentage on the transfer and they wanted the original amount of mortgage which was XXXX without including the pmi reduction.After many calls they refuse to acknowledge this.I have called repeatedly and also at their request faxed them the hud statement and the XXXX statements showing the mortgage reduction and change.After sending this information I still get absolutely nowhere.Now they requested that I write a letter explaining why I want the mortgage to be reduced.I have been right up front trying to resolve this problem but am being totally ignored.My rights have been violated and this transition is totally unprofessional.I as a customer should not have to be even involved .So now they said they have two months to resolve any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have contacted EQUIFAX XXXX times in writing and requested that they remove '' acct in dispute by customer '' and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Debt collection (Medical) with JMD,LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: High Desert Creditors has placed a collection account on my credit when they never once contacted me and attempted to validate this debt. This is a violation of Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. I have lived at the same address for 11 years and not a single notice has come to that address yet it is on my credit report. I am a XXXX and this is impacting my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Student loan (Federal student loan servicing) with AES/PHEAA ().
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Re : XXXX/XXXX studies at the XXXX XXXX XXXX XXXX ( XXXX ) / DOE Code : XXXX / ( XXXX ) - address XXXX. XXXX XXXX, XXXX XXXX, XXXX. Since DOE revoked the eligibility of XXXX, I applied for DOE deferment ; it was denied. Myfedloan then put the loan in IDR. Now Myfedloan put my IDR on hold. I can not make any payment, at this time. After XXXX lost its DOE eligibility, some of my colleagues did not complete MD and dropped out and became a member of " Wasteland of Education ''. I worked my way around this unjust system and found grant donors/loan lenders from XXXX to continue to study at XXXX. The education is valid within the entire XXXX and eligible for certification by the XXXX XXXX XXXX XXXX. Now I am doing XXXX in XXXX together with PhD in XXXX XXXX. I prioritize finishing the education started. The money I earned here is barely enough to pay my cost of living and studying over here. I can not make any payment to MyFedloan. Without at least IDR, this loan account will end up in unsuccessful collection. I need 4-6 years to finish. Then you will get your money back!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian and XXXX is reporting my XXXX XXXX XXXX XXXX is a charged off as a bad debit for {$9900.00}. This is inaccurate, This account was paid in full which is reporting paid 100 % paid off on my XXXX credit report.

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 10/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
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: XXXX XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX Debit card transaction {$81.00} {$1600.00} A. XXXX XXXX XXXX XXXX XXXX XXXX DOES NOT RESOLVE CREDIT OF {$81.00} I AM DUE FOR XXXX. I AM DUE A CREDIT OF XXXX CHARGED ON XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Mortgage (FHA mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage company Seterus has failed to provide us with monthly statements for several years. They have varying reasons as why this is the case, all of which are not their fault. In XXXX 2015, I filed a complaint with CFPB ( Case # XXXX ) due to the severity of our financial situation at that time. We never received a " regular '' statement by mail, but our online access was restored. I still have online access, but the most recent statement is XXXX 2015. I am now missing 6 months of statements. Surely this ca n't be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I strongly feel that my mortgage is consider to be " underwater ''. I have been min iiinn my in my home for 22yrs now. When I first purchased my home it listed for {$78000.00}. I just got approved for a balloon loan modification through the HAMP program. This loan was modified with a new principal balance of {$120000.00} with a 2 % interest rate for 20yrs and at the end of the 20yr loan period I will owe a remaining balance of {$55000.00} that will be due in XX/XX/XXXX. I am complainting because I do not know why I still owe this large this large amount of money on my home after 22 years of payments. I want to know where has all my money gone in the last 22 years because I feel like I am starting all over with this new balloon loan modification and no one seems to have the answers to my questions. In fact, I should just about be finish paying for this single family home in 8 more years. I first brought this home XX/XX/XXXX. Please help me understand my total situation.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Received a phone call from an " unknown '', looked up the number online, it states it is a private number. The caller says he is from law office of the XXXX XXXX, threatening to take legal action and " forwarding these complaint to your local municipality '' for " felony activities '' left the phone number XXXX. Called the number and the operator stated there is a case against me, she claims that a letter was sent that I did not receive. I asked her to send it again, she stated that the only send the letter one time. She said we could settle out of court or it would proceed to court. I stated that I would not give her any information over the phone. After some research online, I found an article that ACE had to pay a XXXX dollar settlement for improper collection practices, that article led me to placing this complaint today.

Company response to consumer: Closed with explanation