milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-11-2017 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Late fee

Complaint: I received a bill in the mail for {$24.00}. I do have an XXXX account. I remembered making a recent payment to XXXX. There was nothing past due. On my bill from Synchrony bank showed no purchases. A customer representative from the bank told me to call XXXX. XXXX told me that I did not owe any money. I have the bill from 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 06-12-2015 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (MN).
Issue: Rewards

Complaint: BBVA Compass XXXX XXXX XXXX XXXX XXXX XXXX Card and its special XXXX Rewards feature during XXXX Finals ( cardholders can get up to XXXX the points for purchases made during the Finals ) has led BBVA to suspend purchasing on my and numerous other consumers credit cards due to " security concerns '' when BBVA fully well knows people are trying to use their credit cards to cash in a bank promotion that the Bank is not fulfulling. I have tried contacting BBVA about this issue by email, phone, XXXX and XXXX. I have not gotten any answer other than that someone will call be back. As this is a time sensitive promotion, I need specifics or I will consider this fraud by deceptive advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Student loan (Non-federal student loan) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I had a loan through XXXX student loan, and they transferred my loan to another company XXXX. I have never been late on this loan. I disputed this a year ago with Transunion and they never removed it from my credit report. It has been removed from they other XXXX credit reporting agencies. I would like this removed due to the fair credit act. Thank you for your help on this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (SC).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I received an offer from my Sears XXXX that would provide 10X reward points if I spent {$500.00} dollars over the two 3-month periods of XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX and on gas, groceries, and dining. When I inquired about why I did not receive my 10X rewards points after the period, I was sent a letter stating that I did not spend the required {$500.00}.  I disputed this and asked to receive documentation that showed my spending matched to the merchant categories for gas, groceries, and dining that their decision was based on. All I received was copies of my monthly statements.

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 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: please find attached the letter from the creditor XXXX XXXX, for which they have approved to remove the late negative from my credit report. 
i have already provided this letter to XXXX and transunion. 
XXXX does not cooperate and has not removed the late yet, please help me to remove this inaccurate information.

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 07-10-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Can not afford monthly payments and XXXXNavient refuses to give me any other option then {$260.00} a month for 5 years. I took out a loan for {$8000.00}, I have a total of Over {$150000.00} in student loans. The payment is unreasonable for the amount of student debt I have. My cosigner is XXXX XXXX XXXX and on social security along with living in subsided housing and they call her repeatly, scaring her because she doesnt understand the process. They call her everyday telling her that I refuse to talk to them when I actually have tried multiple times to make arrangements, recently I made the arrangement of {$260.00} a month just so they would stop calling and harrassing my XXXX XXXX XXXX Grandma.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Managing the loan or lease

Complaint: My complaint is against a finance company called Santandar Consumer US. This company has placed a 30 day deliquency mark on my credit file in error and refuses to remove it. XX/XX/XXXX I was unable to make my monthly car payment so I rolled it over to the next month. My payment was made on the due date of the following month to ensure it would not be 30 days behind. XX/XX/XXXX my spouse and I decided to purchase our first home. When our credit was pulled there were no deliquencies reported and everything was great. About 3 weeks before settling on our new home ( XX/XX/XXXX ), our mortgage company informs us that Santandar reported us 30 days deliquent XX/XX/XXXX. When I called Santandar to resolve the issue they informed me that my payment was 30 days late even though I made the payment on the 30th day to bring the account current. I can not understand how the account could be late when it was made current on the 30th day. I ask them to provide me a copy of the original agreement with them explaining how payments are applied and when accounts are reported to the credit bureau. The representative informed me they did not have that paperwork since they purchased my loan through XXXX. They said it is not their policy to send that information to consumers when they are converted from another bank. I asked to speak with the credit reporting dispute department on this same day. I spoke with a manager named XXXX who informed me that there was no record of Santandar reporting to the credit bureaus since XX/XX/XXXX. I asked XXXX for a letter or some type of documentation confirming what she said. She said Santandar did not have any letter like that to send to consumers. This company is fraudulently reporting information to my credit bureau. As a result my family is in jeopardy of losing our home. They reported the deliquency 60 days late and now refuses to work to resolve the issue. I have asked several times for a copy of my contract with them explaining how payments are posted and their policy on credit bureau reporting, but they refuse to provide me that information. All I want is for the mark to be removed and a copy of the contract with Santandar!

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Bank account or service (Other bank product/service) with U.S. BANCORP (MA).
Issue: Deposits and withdrawals

Complaint: In XXXX of 2003 XXXX transfers, totaling about {$50000.00}, were arranged from a bank in XXXX, to banks in XXXX and XXXX XXXX. XXXX were unsuccessful, resulting in the loss of these funds despite {$60.00} in bank transfer fees paid. The sending bank, according to their printed wire receipts, indicate that mistaken and incomplete wire transfer numbers were used. Their reports indicate no problem with the transfers, despite the non-receipt by the intended recipients. Because no problems were evident on these reports, and the intended recipients had no basis to know to expect wire transfers, and no verification of these transfers were made, these XXXX transfers have been lost. Both the sending and recipient banks no longer have records, although printed records from 2003 are available. Direct contact with the sending bank has been unsuccessful in securing their cooperation in repayment of the lost funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Debt collection (Credit card) with CITIBANK, N.A. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I had a Citibank card in XXXX. I got in a financial crisis and was n't able to pay it. In XXXX I believe I was sued. I never went to court so I believe the judgement was against me. I have no paper work of the outcome of the lawsuit. Citibank sold or hired XXXX XXXX XXXX from XXXX Texas to collect dept. I have n't received any paper work from them stating that they were going to freeze my accounts. I have never given them permission either to do so. XXXX/XXXX/XXXX my account was put on hold and {$6700.00} was removed. XXXX XXXX was contacted and they told me it was a Citibank card I had n't paid. Its been over 8 years I thought all this should of gone away. The deal they are giving me is to verbally give them an approval to withdraw {$5000.00} and pay them {$250.00} a month until depth is paid in full. If they have a judgment against me to take money why do they need my permission to take it??? red flag. I asked them why they did n't tell me they were going to freeze my account and they told me they did n't have to until after they froze it. red flag. I asked them how much they bought the account for from Citibank and they said they did n't that they were working for Citibank. When I asked for Citibanks phone number they said they did n't have it??? red flag If you work for some one you should be able to contact them. When I asked who was the judge that ruled against me they did n't have his name either???? red flag. I believe something wrong is happening and want to make sure all this is legal. This account is my wife 's account which she had just deposited her income check. I am on the account but do n't use it. the {$6700.00} can be traced to a check made to her from the IRS. I thought you could n't do this in Texas. The people at XXXX XXXX XXXX acted like they did n't know what to say when asked simple questions. When I asked the ( lawyer )?? who had put the {$5000.00} withdraw amount she said she did. red flag. I asked her nicely why she would n't take {$3000.00} and she said because she wanted {$5000.00}. What happen to what Citibank the client wants. Things just do n't add up. I was told CFPB would be able to help me resolve this. thank you for you time. please advise

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 08-03-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Making/receiving payments, sending money

Complaint: Myself and my husband are charged bank fees, the bank will not reverse charges. We have been able to deposit funds that same day to cover charges / checks that went through. My husband was charged XXXX fees this month on his account, he had always made deposits that same day to prevent fees, now the associates say that was never their policy, after being on the phone for XXXX30 minutes at a time, the associate was very disrespectful and had noknowlddge of his employer

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 10/31/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax deleted a XXXX XXXX account then reposted it even after I disputed the account. I have attached proof it was deleted, page XXXX of XXXX. 
XXXX XXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have written 4 times along with police report and proof of ID Drivers License and State ID and My passport proving I was out of the country for 3 yrs. I have a few Incorrect address on my reports. and all was due to Fraud. also they credit reporting agency has refused to remove. they also has refused to remove over XXXX inquires in one year! in the same month. It 's fraud. I also wrote the companies who made the inquire and they have refused to respond. even with the police report. 

The addresses is XXXX Il XXXX And XXXX Il XXXX Its even more on my other Reports. 
And the inquires as follow 1. XXXX 2.XXXX 3.XXXX 4.XXXX 5.XXXX 6.XXXX 7.XXXX 8.XXXX 9.XXXX 10.XXXX 11.XXXX 12.XXXX 13. XXXX 14.XXXX 15. XXXX 16.XXXX 17.XXXX These Inquires was made all in one month, I contacted each company and credit burials also gave them copies of all my ID 's and they still refused to help Transunion, XXXX and XXXX. all let me down.

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 10/15/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (LA).
Issue: Loan modification,collection,foreclosure

Complaint: Chase did a loan modification for my account on XXXX 2010. I lose my job in XXXX 2010. I filed chapter XXXX in XXXX of 2010. Chase sent a proof of claim in the amount of XXXX stating this is for XXXX, XXXX, XXXX and cost and fees. Which was incorrect because I had a loan modification on XXXX 2010 that include cost and fees. At the time of the chapter XXXX I only owe for two months and current month. These fees are foreclosure fees, Lawyer fees, and other fees. All these fees was included in the loan modification. In the state of Louisiana you have to be three months behind and have to give notice to the foreclosure. I did n't got any of these. Also my lawyer confirm that I was not in foreclosure. Chase change me for fees that was include in my loan modification. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: To whom it may concern : Equifax mishandled my personal information as well as 143 million others. To make matters worse, Equifax did not attempt to contact me about the security breach ; rather, I found out from the news that I should check my impact status myself.
I just found out from their website ( https : //www.equifaxsecurity2017.com/potential-impact/ ) that " Based on the information provided, we [ Equifax ] believe that your personal information may have been impacted by this incident. '' This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (KY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a private loan through Navient which they took from XXXX XXXX. I finished XXXX XXXX in XXXX and was told I had already used my deferment, though I was not aware of this, and no one was able to tell me when I had used it or give me details regarding it 's use. They simply stated " it had been used '' and refused to provide further detail. Because of this, when I was unemployed and trying to get a job ( waiting on paperwork from the Board of Counselor 's to come through ), I was missing payments. I called as well as answered when they called, several times and asked if there was any deferment or forbearance or anything available and was told there was not. I was yelled at by the employees of Navient multiple times, interrupted while speaking and then at another time essentially told they could n't do anything so I should simply cease to answer the phone. I finally called the main office and reached my " case manager '' and was told if I made a payment that month my account would not be sent to collections and we could start on a manageable payment plan the following month. I paid the requested amount, and a week later was receiving calls again ( the month had not changed ) stating that the previous amount " simply brought [ me ] current '' but that I needed to make an additional payment. I expressed that I was informed by my case manager of the amount required and that I had already paid that, to which the response was that it was not enough. I called the following month to set up the payment plan and was given an amount that was not " manageable '' as I had previously been told. I was informed this was my only option without a credit check, review of my finances, and review of my co-signer 's finances. I informed my case manager that I would speak with my co-signer and we would determine our next step. She then called another individual, who was NOT my co-signer, but simply a reference on the loan, and left a voicemail speaking about my private loan information with someone who was not on the loan. I have a copy of this voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Application, originator, mortgage broker

Complaint: Please reference complaint XXXX and the subsequent dispute that has gone nowhere. The details are outlined in the complaint. 

Wells Fargo responded with a lie that is a violation of consumer protection laws. At the time my mortgage was contracted they had a contractual relationship with XXXX to manage the bi-monthly payments for my 15 year mortgage. I asked in my complaint that Wells Fargo provide the documentation that I signed in the application that explains that paying twice a month would only save me one year on the length of my mortgage as opposed to 4 years which is what I was told. 
Wells Fargo 's response was that the blame lies with XXXX, with whom they said I contracted on an individual basis. 
This is not true - Wells Fargo and XXXX had a contractual relationship at the time. 
As a consumer I am entitled to see the documentation from either Wells Fargo or XXXX that documents definitively the terms of the bi-monthly payment and the end-date of the schedule given the advanced payments. 
The purpose of this complaint is to have BOTH Wells Fargo and XXXX speak and provide me with the documentation that clearly states the conditions that I agreed to when I signed up for the twice a month payments. 
XXXX XXXX XXXX, CA XXXX I do not want to hear that they are blaming the other one - they had a contractual relationship with each other at the time of the mortgage and they need to provide the documentation that was a part of the application process that explains that I understood the timing and conditions of the advanced payments that I agreed to.

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 09/21/2015 about Consumer Loan (Vehicle loan) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Managing the loan or lease

Complaint: In dealing with Regions bank, I never received an initial loan statement for a used car loan. After 30 days I became concerned and contacted them on XXXX XXXX, 2015. They did not have my apartment number in the statement and I updated them accordingly. They noted my payment was due on the XXXX of XXXX but there was a 10 day grace period and asked if I would like to pay. I said no, noting that my first payment I would like to send myself and not through customer service. The rep noted that I would be sent another statement to my updated address and then asked if I would be able to access this account online. They then said yes and offered a checking account, which I declined. The rep noted that I would receive a statement in 3 to 5 business daysOn XXXX XXXX, I received a call from the Collections unit, noting I was delinquent on my loan and asked if I would like to pay. I told them I had called on the XXXX and they were supposed to send me a new statement and that I have not yet received one. The Collections agent noted that they did not see mt updated address and that they would have to add the missing apartment number then asked if I would like to pay. I said again that my first payment I would like to complete on my own and not through customer service. They said I would be receiving my statement shortly. 

On XXXX XXXX I got another call from the Collections unit, noting I was late on my account. I told them I had not yet received a statement and they said my apartment number was missing. I told them I had already spoken to them twice before and still have not received my statement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
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 XXXX XXXX has a closed account on the Equifax account. The other 2 agencies do not have it appear on the report after it was challenged and successfully disputed. Equifax still has it for the THIRD time and it adversely affects my credit score. No one can be this sloppy, this is intentional.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2018, XXXX  XXXX XXXX XXXX XXXX XXXX, SD pulled a credit inquiry on me without my knowledge or 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