milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/24/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX # XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX DELINQ XXXX IQUIRE NOT DONE BY ME XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX , FL XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/20/2016 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Billing statement

Complaint: I was issued a SYNCB/SAMS CLUB DUAL CARD # XXXX on XX/XX/XXXX. On that day I charged {$140.00} on that card. I never received a bill from SYNC/SAMS. The first letter I received with my balance and interest and fees was from XXXX. My bill at that time ( early XX/XX/XXXX ) was {$170.00}. I immediately visited the customer service department at XXXX 's in XXXX, Ohio to complain about the process stated above and the new balance. Although the agent from Sam 's made several attempts to permit me to pay my bill without fees, she was unsuccessful. She informed me that the reason I never received a bill was that SYNCB did not include my suite number on the bills, and the post office returned the bills to them. Subsequently I had conversations with representatives from XXXX offering to merely pay my original {$140.00} and none were able to accept my offer. I informed them that my offer seemed reasonable under the circumstances, and I would write a check immediately if my offer was approved. In the spring I attempted to purchase a dishwasher and was denied credit. This is the first time in my life I have ever been denied credit. On every prior occasion I was told that my credit score put me in the best range which permitted the lowest interest rate. Prior to this event the longest period of time that I have missed a payment has been one month, and this has occurred about 5 times in the past 45 years. I finally spoke to an agent at XXXX who thought my offer to pay {$140.00} was most reasonable, and I mailed a check to them for that amount. I have a letter from them dated XX/XX/XXXX stating that my account has been settled. However my monthly XXXX statement has a credit report that indicates that my credit continues to be in the poor range ( some lenders may issue credit ). 
I am looking for resolution from SYNCB/SAMS CLUB DUAL CARD. I am asking that they not only request that my delinquency be removed as an adverse account from all credit reporting agencies and that they also contact XXXX and ask them to do likewise. I hope that satisfying these requests will restore my credit to previous levels entitling me not only to credit but to the best interest rates available.

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 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I disputed inaccurate accounts on my credit report with XXXX, XXXX Equifax After the 30 day dispute I received an reponse to the credit dispute I ask for XXXX Eqifax XXXX to valadate The accounts through the physical verification of the original signed consumer contract which is required under frca section 609 a 1 A and they did not ..

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: On XXXX XXXX, I received an email from Simple Bank and was told my account is being closed. They will not allow me to pull the funds from my account and are saying they will send me a check at some time. They will not give me a time when the check will be sent. The account has always been in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Mortgage (Conventional home mortgage) with CORNERSTONE MORTGAGE COMPANY (TX).
Issue: Trouble during payment process

Complaint: This concerns my existing mortgage loan with Cornerstone Home Lending. 

I have asked two questions : 1 ) Why does my Truth in Lending Disclosure reflect an interest rate of 3.475 % APR, yet my loan note reflects an interest rate of 3.875 %. The interest rate on the note, plus the cost of obtaining the credit should be equal to the APR. So the note rate should not be higher than the APR rate. Please show me the math.
2 ) Based on the loan history amortization schedule I downloaded from Cornerstone 's customer account, web base access portal, Cornerstone is charging me interest on a 360 days basis instead of a 365 days basis. I understood this was a standard type consumer mortgage product, based on a simple interest calculation. I can not find any disclosures in my loan documents stating this interest rate is calculated on a 360 day basis. The difference in interest is material over time. 

The excel sheet includes an example of the interest rate for XXXX, XXXX and XXXX of XXXX. The tabs at the bottom are different work sheets one for 360 days, directly from the web site ; one for 365 days, the third for 365 days and the 3.475 interest rate. 

Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Someone signed my name and used my information to obtain a lease for an apartment. I filed a police report, filed a fraud report with the FTC, filed a dispute with the collection company and notified the apartment complex but they still insist the debt is mine.

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 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Army and Air Force Exchange Service (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX Payment history incorrect. Showing multiple late payments. 

XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XX/XX/XXXX Some look as if they are duplicates.

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 04-08-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Credit decision / Underwriting

Complaint: Summary I obtained a mortgage loan for an investment home in XX/XX/2014. One of the conditions of the loan was to make certain repairs to the home. Reserve funds was withheld until the repairs were completed. After the repairs were completed, the reserved funds were applied to the loan principle instead of being returned to me. My principal complaint is that these should have been given to me. 

The original lender was XXXX, and the mortgage was sold to Wells Fargo. I do n't know which lender made the decision to apply the reserve funds to the loan principal. Nevertheless, Wells Fargo says that the funds can not be redirected to me because I did n't give them notice that I wanted the funds returned to me. Additionally, this notice was required to be made within 30 days of the date that the reserve funds were transferred to my loan principal. I was never given such notice. 

XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (CO).
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint: XXXX XXXX Claim Date : XX/XX/XXXX, 2017 Claim Number : XXXX Claim Amount : {$2800.00} Disputed transaction error twice both times it was no error found I put all the necessary documents together and still no remedy. Netspend is now settling a class action suit in the amounts of {$53.00} million. They have opened accounts in my name and I requested them to close and still no action. Please help me they have hurt me financially.

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 03-02-2016 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (CA).
Issue: Managing the loan or lease

Complaint: I just pulled my credit report and Hyundai Motor Financing has my payment listed as late over 30 days for XXXX 2015. I have documentation that shows that this is not true and has been continually paid. This is negatively impacting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: MY daughter obtained a student loan and needed her parents income. Which I supplied her with. When Navient took over the student loans. They sent me the bill and also my duaghter. When I had informed them of the mistake they told me that it was a parent plus loan and I was responsible for the loan. I have asked several time for the original paper work in which they deny sending. 
My daughter has been making payments on the loan but my loan just keeps increasing wwith Navient claiming there has not been any payments what so ever. This has hurt my credit dramaticaly. and I want it removed. If there is any way you can help it would be greatly appreciated, Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Checking or savings account (Checking account) with PNC Bank N.A. (PA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: At a local restaurant I was overchrarged in the past and have won dispute. I was recently in same place and took picture of check. It appeared in bank avcount as higher total. The bartender is cheating customers. Thanks for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, GA XXXX Select Portfolio Services SPS has communicated and implied that it is not liability for For the unfavorable governance and excess property taxes escrowed for XXXX XXXX XXXX. 
SPS has implied that XXXX is the owner of the mortgage and that it is simply an agent of XXXX. 

XXXX XXXX XXXX CEO SPS, Director XXXX XXXX CFPB, XXXX XXXX Georgia Attorney General, XXXX XXXX XXXX County Clerk, XXXX SUMMARY : The sale of XXXX XXXX XXXX has been impaired since XXXX due to excess or uneconomic property taxes. 
RESPONSE : XXXX XXXX, XXXX SPS increased XXXX XXXX XXXX property tax escrow. This is consistent with the history of the property. Historically, SPS has failed to responded to market conditions and home owner communicate. 
SPS 's bilateral valuation of the property taxes has made the property impossible to sale and have contributed to the financial distress of the property and home owner. 
SPS is conflicted by benefiting from the earnings generated by investing escrow funds prior to payment The XXXX XXXX letter increases tax escrow by 20 % from approximately XXXX in XXXX to {$30000.00} for XXXX. This would be base on an excessive valuation estimated at {>= $1,000,000}. 
This increase occurred after SPS appraiser devaluated the property from {>= $1,000,000} to {$900000.00} for a short sale. This occurred after comparable homes in the market as close as next door sold for approximately {$85000.00}. 
XXXX XXXX XXXX XXXX XXXX {>= $1,000,000}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (OR).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Paypal refuses to fix their security algorithm that keeps flagging my account every time I make a payment. I literally need to call them every single time I need to make a payment through them and basically ask if it 's ok. They are not my bank and all of them have no idea why PayPal is doing this to me. I have proven my identity every time I have called to the point I have no more information to send them. They literally took every drop of personal info I had and still was n't enough. They are acting in control of my own money when they have no legal right to. I have to call them 20 times in one day to do business on XXXX. Every single online transaction needs their approval. Why. Who do you guys think you are. It is literally costing me money to deal with you guys because your own failure as a company.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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: Experian and XXXX are continuing to report a collection item the collection agency has discontinued reporting to them. See included documentation ...

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 01/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is not mine and it 's affecting my credit how can I get this resolved and removed from my credit report..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (TX).
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint: ( Deposit depend on a certain of the ATM then XXXX XXXX. is cut off time ) Why does the ATM cash withdraws post before any transaction ( first when you have multiples transactions )? Next why is there a early cut off when cash with draws vs. making cash deposits with the ATM? We were told it is noting in writing but it the way your Credit Union look at the items. All Navy Federal Credit Union Board Members : My Civil Right have been violated by Navy Federal Credit Union! The purpose of this letter is to outline the facts of XXXX ( Manger or Supervisor of Navy Federal Credit Union ), XXXX XXXX has become her personal target! ( XX/XX/2017 ) It has been brought to my attention that XXXX has a special file with my name on her desk! It is my understanding that she has alerted every employed who tapes into my account to send all calls to her desk. I am on a list that she has personally target due to the fact of my race, age and XXXX. She has benefited from not waving fees that she knows that should not be on my checking account. As she stated the rules and regulation does vary, but after asking her to provide documentation of some of our concerns she stated she could not! Being hearing lost I was also able to tape record her statement. I prepared to proof the events that I was personal target after she hung up in my face! I called back and latter was told a lie that XXXX made certain statement to her. But XXXX was not on duty! So why did the Staff member lie about XXXX being on duty! Who took the call? Later she told me she talk to XXXX and XXXX a Manger, Several times I requested to speak with the persons. I was hold for over 15 minutes only to find out the true identity of the person which is ( XXXX XXXX ), was the person expressing her thoughts to the young staff member. XXXX did not want to talk to me after she hung up in my face! Was it true she gave out instruction on my file for no one to touch my account pass all calls to her personally. ( read her notes ) This is a true form of retaliation! Retaliation against a person with XXXX who filed a complaint with a government agency is unfair. Yes, I filed a complaint against Navy so to get back at me then to participate unprofessional behavior is unlawful. Did the CEO direct XXXX to target me or retaliate against me for what reason- my formal complaint. I am filing a complaint against Navy with discrimination, and requesting the Board to investigation my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: One of the addresses on my report is incorrect.

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 06-11-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Rewards

Complaint: I have new credit cards from CAPITAL One Bank, I was miles reward program which was converted in XXXX $ cash bonus if I spend XXXX $ during 3 months, I call several time to CPAITAL One award department and customer service told me that I was approved. 
I spend during 3 month around XXXX $ but never restive a XXXX cash bonus. 

Please help me with this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/26/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I received a letter in the mail stating that my checking account, my savings account and all my credit cards have been closed. I have no idea why. all my accounts are in good standing, ive never missed a payment, and i havent done any illegal activity whatsoever. I was stunned for this to happen to me. This is just a case of pure bullying by someone who has more power than me. now, i am without a bank account of any kind, and i am missing all the lines of credit that were available to me. How am i going to keep up with my daily expenses? I have no idea ...

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I borrowed approximately 20,000 for college and grauated in XX/XX/2007. Since that time my loan increased by 50 % or so. I noticed on rexent tax documentation that it seemed like too much of my payments were going to interest. I called Navient and the rep told me i was enrolled in a program that required interest only payments for two years. Thst was in exchange for a XXXX reduction while i was on maternity leave. The rep who signed me up did not inform me of those terms. I thought they were simply reducing my payment temporarily with no penalty. At this point we have lost about 4000 to this predatory program i was enrolled in with out my knowledge. The navient reps told me there was nothing i could do and faulted me for being irresponsible with my loans. I spoke with another rep who offered to enroll me in the same predatory program at a worse rate. I emailed about returning the money to the proper principal/interest ratio but have not heard back yet from Navient. When i googled their website i saw that rhey are being sued for dishonest lending practices. I read that there are many repayment options on federal loans. I have called repetedly since XX/XX/2007 requesting repayment options and the only thing i was ever offered was forbearance and deferment. Years ago i learned about income based repayment. I called and asked the reps about it myself and applied twice. They told me i made too much money to qualify. I made less than 30k annually. J recently learned that this program is open to all borrowers. Instead of enrolling me in income based repayment while i was working, the loan company lied to me about qualifying advised me keep the loan in forbearance until i could make a larger payment. Even while i onky had partime work during the recession i asked if i coukd pay XXXX towards my loans and the reps refused to take the payment. One actually laughed at me and again told me to forbear. When i hear that there are programs and i could have had income based repayment for years i feel beside myself because my loans might be close to paid off instead of 50 % more than what i borrowed. I am beside myself and it is very upsetting. I hope you can help me and many others get our payments properly applied to the loans and get rid of this fraudulently accrued interest. Thank you.

Company response to consumer: Closed with explanation