milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2015 about Credit card () with U.S. BANCORP (CT).
Issue: Customer service / Customer relations

Complaint: Paid annual fee of {$75.00} at US Bank XXXX XXXX credit card sign up for the promised and published benefit " Bonus Award Night - Redeem Gold Points for two or more consecutive Award Nights and the last night is free. Exclusively for cardmembers ''. However, the benefit was terminated from at XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was sold to Green Tree servicing. I set up auto pay with them and can not get ahold of them to confirm it was set up. It is already XXXX days past my due date and I emailed them before my due date and still have not received any info. Also I have held on the phone for over XXXX mins and still have been unable to get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (Private student loan debt) with National Enterprise Systems, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have written this company a second letter asking them to verify the original agreement and prove that I owe the debt, They have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2018 about Checking or savings account (Checking account) with Fidelity National Information Services, Inc. (FNIS) (NC).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I have accounts that have been opened under my name but are not my 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 explanation
Consumer complaint received 05/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have reported to them twice now that my job history and addresses are wrong and want them removed. They 're still on there. I just looked again today. I see all these California addresses. That is a relative. NOT ME. Please remove!!! I have never even been there or used those addresses. I never worked at XXXX either. And that XXXX number I have never seen it. I wanted that removed and the XXXX number is my ex in laws phone number. Please remove it too. the XXXX was disconnected when I got a cell phone approximately 10 years ago but they wo n't remove it either. I would prefer my number not be on there at all. I just had to file a complaint because someplace called me stating they were a debt collector and was threatening me with jail. Long story short the XXXX said they pull your credit report and get your number and enough facts from your report that they call and harass you. So please remove my number too 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 09-12-2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Rewards

Complaint: Dear CFPB, This complaint is in regards to American Express not awarding a bonus offer on a credit card after meeting the T & C and minimum organic spending requirement. 

Several months ago, XXXX Membership Reward points were awarded by a representative and a chat log was indicative of this. This bonus offer was attached to an American Express Platinum card that I had downgraded after a poor experience at a XXXX XXXX in XXXX. The points were awarded and listed as 'available, ' leading me to believe all terms and conditions of the offer were fulfilled. 

Strangely, I was not given any indication or letter about the lack of bonus offer and believe I may have been misled by false advertising. I would like to request intervention. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PENNYMAC LOAN SERVICES, LLC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX, I requested a credit report and for my surprise, the mortgage company PennyMac Loan Services , LLC had not reported my payments for the last two years even though I paid them monthly. The explanation they gave me when I contacted them by phone that same day was that : I did a bankruptcy on XX/XX/XXXX and they did not have my letter of reaffirmation of the debt and they closed my account. I sent them by fax on XX/XX/XXXX the document included in the bankruptcy where I reaffirm my intention to keep the house and the debt. After a lot of insisting, two weeks later they told me that the documents were enough and that soon their bankruptcy department of PennyMac would contact me. When I did not receive a response in more than 10 days, I contacted them again and they told me that this was not the document they needed. My lawyer faxed them on XX/XX/XXXX a copy of the documents presented in the bankruptcy and a letter explaining that the document in question was presented in wich I reaffirm the debt with them and my intention to keep my house. PennyMac insists on not reporting my payments to the credit bureau and continues to report the account as closed, even though I keep sending my payments on time every month.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: In apr of 2017 I made a partial payment of {$300.00} to US Bank and then within and week or two made another partial payment for another {$300.00} to US Bank again. They are reporting that I am 30 days late making a payment when in actuality they do n't report anything to the credit bureaus because I filed bankrupt. I do realize they say the payment should have been made by the end of the month so they do n't report, but they have contradicted themselves now thus making my credit bad. I 'm just asking for a forgiveness letter since I have been a good customer and have not been in troubles with them. One person at US Bank tells me I 'm not late another says I am late. which one is it. I would like the situation rectified so that I can move forward rebuilding my credit. 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 explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX in violation of my cra showing a late payment never late with Nordstrom XXXX has fixed it but XXXX has not

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2018 about Debt collection (Medical debt) with Express Recovery Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have written the company on two different occasions asking them to correct this error, XX/XX/XXXX and XX/XX/XXXX. This is company is trying to collect money from me that I do not owe. They have reported four different accounts with the credit bureaus. They have failed to provide a copy of any alleged contract or other instrument bearing my signature and I will be filing a smalls claims action against this company at my local venue and will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (GA).
Issue: Using a debit or ATM card

Complaint: I bought a washer dryer from a XXXX store on XXXX/XXXX/16. The washer was defective and flooded my cellar with water. On XXXX XXXX, 2016 the washer dryer was returned and a refund was promised within 2 days. Today XXXX XXXX XXXX, 2016 XXXX, I went into the store to demand my money. After 2 hours of waiting while they looked at their records, my XXXX debit card was swiped - once again an immediate refund was promised. 

When I arrived home I called my bank ( Chase ), as no credit appeared on my account. My bank will not help until a full 15 days have elapsed from the time of my complaint. So my bank ( Chase ) is participating in a scheme to hold over {$1000.00} for over a month for a product that was defective, damaged my house, and has been returned. They claim the 'XXXX rules ' demand this behavior. 

Imagine if I pulled into XXXX XXXX store and loaded up a washer a dryer and drove off with it without paying. Would I have 15 days to pay for it before I was XXXX? OF COURSE NOT! 

Start providing some 'justice for all ' instead of just cash holding for all your banker friends!

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: Bank of America debited from my checking account a check belonging to a different account holder. My account and the check issuer 's account differ by XXXX digit. The image of the check as shown on my online banking clearly indicate the mistake. I am appalled at the lack of transaction controls at BoA. My checking account did not have sufficient balance to cover the check. A check which I did not issue and did not expect to post to my account! In the process, my account was overdrawn. I called BoA customer support the next day. I was assured the debited account and NSF fees would be refunded in 5-7 business days. During this period, BoA charged me a further {$35.00} as extended overdraft fees! I has been over a month and I am yet to see a refund for the {$35.00} NSF fee and {$35.00} extended overdraft fee. My account is still overdrawn pending refund of these fees which were caused by faulty BoA systems.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Equifax is reporting an old address on my credit report that has n't been mine in almost 10 years. Usually I would n't mind but, it just appeared out of the blue in a address update they just recently did. I 'm thinking it might be identify theft, with all the credit info being stolen. My address is in XXXX for years now. As a matter of fact when I left XXXX I broke the lease, and I named the XXXX ( the name of the community on my Bankruptcy ) I do n't know why now it would surface and from where?

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (ME).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: On XX/XX/XXXX, I consolidated my subsidized and nonsubsidized Stafford student loans through XXXX ( XXXX ). I signed a contract for consolidation because the fixed interest rate would reduce from 2.875 % to 1.875 % after 48 timely monthly payments, which it did during XX/XX/XXXX by Nelnet, who became the loan servicer XX/XX/XXXX. 
On XX/XX/XXXX, I received an email from Nelnet indicating that my interest rate was " adjusted. '' Upon an online review of my account, I noticed that the interest rate increased back to 2.875 %. I called the customer service number three times and was informed that effective XX/XX/XXXX my student loan rate was increased by 1 % to 2.87 %. The Nelnet representatives informed me that I was no longer eligible for the reduced rate because of an error. I requested specifics and was told that no further information was available. The representatives refused to allow me to speak with a supervisor. 
The attached documents clearly support my narrative. Should you require additional documentation, please let me know. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: please make sure this trade is removed from ALL CRAs. I received notification this was added on my TransUnion report after you stated you sent a record of deletion. Please provide the deletion ID number for reference. See your response below : We have followed our fraud/identity theft policy and have n't had any further communication with the consumer. No future follow up is planned. Our fraud/identity theft policy is once we have been notified of this that we try to obtain a police report from the consumer to provide to our client. We immediately stop all collection efforts and send a record for deletion to all three credit reporting agencies. This deletion will be sent on XXXX/XXXX/XXXX. Please allow 30 days for the credit reporting agencies to update their records. Then we close and return the account to our client for them to further investigate the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: COLLECTION AGENCY XXXX XXXX XXXX XXXX/XXXXBalance was PIF XX/XX/2013. XXXX XXXX & she confirmed pyt rcvd XX/XX/2013. She corrected & sent me print out showing " XXXX '' bal. She was to have all credit bureaus updated. However, as I look today, the status remains the same. Please verify & update or better yet, remove completely from my credit bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Southern Credit Recovery, Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In  XXXX  and  XXXX   of 2017, I  fully paid  XXXX  charged off accounts with  Southern Credit Recovery  Inc in Louisiana months ago. The company has not removed these accounts from my credit report. I called to speak with th e manager twi ce and left messages but no return call.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Their refusal to have the accounts removed has ruined my life and especially my credit. XXXX XXXX XXXX XXXX has my accounts listed 4 different times on my credit report starting from XX/XX/XXXX to XX/XX/XXXX and these are with XXXX XXXX. And the others are with XXXX and they are listed multiple times from the dates of XX/XX/XXXX-XX/XX/XXXX and they are all the same 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 explanation
Consumer complaint received 10/26/2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX sold my mortgage to a mortgage company called PennyMac out of XXXX XXXX, California. My account had been delinquent with XXXX when it was sold. I was catching my mortgage account up by paying XXXX payments around mid XXXX and XXXX turned over the last payment that I paid before the loan was sold, that made XXXX payments that was received this month, on the XXXX of XXXX I sent another payment, that 's XXXX payments, which only left me due for this month, XXXX. I got home this afternoon XXXX XXXX XXXX XXXX the mortgage company Pennymac had come to my house and left a sealed envelope with my name saying confidential on my front door, with the same information that was sent to me in the mail from them. Why do they need to come to my house, this is not a rental house and I did n't expect to be harassed by my mortgage company. Would this be because I 'm a woman and there is only XXXX name on my mortgage which is mine and it makes me an easy target. I just talked to my assigned representative yesterday over the phone and she noted my account for the last payment I sent. My mortgage is due for this month ( XXXX ) and Pennymac has already decided to be a thorn in my side, needless to say how upset I was about this, I called them and the only thing the rep told me was he would notate my account. If the mortgage company is making contact with me why are they coming to my house? Do n't appreciate this kind of business ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Synovus Bank (WV).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I submitted a payment that was due on XX/XX/XXXX, and was received by XXXX XXXX on XX/XX/XXXX, a whole seven days prior to my due date. However, I still received a late fee. I have had issue after issue with late fees with *only* this card and company. This is the only card that takes five+ days to credit my account when using XXXX XXXX XXXX bill pay, so now I have started paying early to attempt to avoid the continued fees, obviously now, to no avail. 

In the last complaint the company blamed XXXX XXXX and indicated that I needed to have XXXX XXXX message/contact them to correct the issue. XXXX XXXX said they released the money to XXXX XXXX after their 2 business day delivery window and that the extended amount of time for XXXX XXXX to post the payment was on XXXX XXXX and there was nothing they could do other than print out the release of funds statement, which I had already supplied to XXXX XXXX in numerous previous complaints about this issue. I am unsure what to do, other than assume I am paying interest and a $ XXXX monthly fee ( late or not ) at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/27/2015 about Consumer Loan (Vehicle loan) with DriveTime (CA).
Issue: Managing the loan or lease

Complaint: Drive time charges its customers a convenience fee if you call or go online or into a store to make a car payment. Also they overcharge their customers for things like on star and car insurance but refuse to give a refund if cancelled? is this even legal? How many cars have they sold that within the XXXX year the tires went bad or it had some kind of mechanical problem. They are taking advantage of people who are trying to rebuild their credit and that 's just not AMERICAN of them!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Application, originator, mortgage broker

Complaint: Numerous errors and discrepancies found after reviewing documents

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am daily receiving phone calls from Portfolio Recovery. No messages are ever left. When I block their number they call back from a different number from a different state.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Making/receiving payments, sending money

Complaint: A tenant in my XXXX wrote a rent check of {$1400.00} and instead of making the check out to the park, she made it out to the park managers wife, The check was endorsed by the wife, then endorsed by the park as " for deposit only '' and deposited in the park 's account. The tenant then became angry at the managers wife for some reason and went to the bank ( Wells Fargo ) to check on the check. The bank produced a copy of the check which showed the wife 's endorsement and the " for deposit only '' park endorsement. The bank also produced the tenants account statement that showed the check being cashed at the counter. The tenant was then convinced that the managers wife cashed the check and took the money. She threatened the wife with criminal charges. This episode caused many problems - too many to discuss here. My complaint is that the Wells Fargo Personal Banker, XXXX XXXX, when presented with XXXX conflicting facts, regardless of the banks error in producing these XXXX conflicting data, did not recognize this and allowed the tenant to leave the bank thinking the check was cashed at the counter. I think that both XXXX XXXX and the Wells Fargo bank should be reprimanded. After several visits to the bank trying to resolve this problem or at least get an " I 'm sorry for your inconvenience and mental worry about being arrested, the bank Service Manager, XXXX XXXX and bank manager, XXXX XXXX refused to admit any fault.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation