milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2015 about Bank account or service (Checking account) with PENTAGON FEDERAL CREDIT UNION (VA).
Issue: Account opening, closing, or management

Complaint: I applied for a checking account with Penfed with the anticipation of establishing a joint account with a person I bought a home with on XXXX XXXX not knowing that they were going to do an immediate hard credit pull over the phone without notifying me. I was trying to apply for a mortgage at the same time so this was disconcerting. After being bombarded with emails and paper post I decided to cancel my account almost immediately after. Someone over the phone told me it was easy to cancel and they said they put through the request immediately. I find out today XXXX XXXX that the account was never closed. The reason is because they require XXXX separate notarized documents, a copy of my social security ID, my driver 's license, and a utility bill, just to close a bank account that had {$5.00} in it. They cite the Patriot Act as the reason for doing so, but could not say why. I think this is costly, a waste of time, and extremely misleading to the consumer about the practices of this bank. I think they put these obstacles in place to trap their customers in to an account, as I 've never had difficulties cancelling an account with any institution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This collection agency, FOCUS RM, has placed a debt on my credit report that is not mine. I researched the company. Apparently they are scam artists that place false debts that do not belong, and they have done this to XXXX of people. The debt on my credit report, which has ruined my credit is not mine. I never even used XXXX. Please shut this scam company down!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Account opening, closing, or management

Complaint: I received a debit card from Wells Fargo that I did not request. I called customer service. They told me it was probably a mistake and to cut the card. After seeing the news I realized they purposely opened the account without my authorization. I still have the card. It has never been used nor activated. I contacted Wells Fargo 2 days ago but have yet to hear from them.

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 11/30/2015 about Consumer Loan (Vehicle loan) with NAVY FEDERAL CREDIT UNION (NY).
Issue: Taking out the loan or lease

Complaint: I went into my credit union to get a replacement card and they asked if i was interested in refinancing my car. They worked the numbers up after getting the final payoff amount from XXXX XXXX and I saved {$200.00} a month. I agreed to the new loan, they issued the payoff check and I sent it to XXXX XXXX. I just moved house and had not received anything from XXXX XXXX so checked online and found out there was still {$5000.00} owing on the car - the credit union issued the check at {$5000.00} less than the payoff. I immediately call them and they tell me they can see where their agent made the mistake and I could either recall the payment from XXXX XXXX and stick with the original loan, add {$5000.00} to my current loan increasing the payment by {$100.00} more than what they quoted me and adding another year to what I originally had or they would give me the original terms and save {$30.00}. I told them they needed to fix it as I am now required to make a payment on the original XXXX XXXX loan and with their loan, I now have a car payment of nearly {$900.00} instead of {$390.00} which is what they quoted and agreed to. I asked them to contact the original rep and have her fix it and they said no, would have to drive from new york where i now live to va - XXXX hours away and go into the branch. The phone agent was nice, the supervisor was awful and told me it was my own fault for not checking with XXXX XXXX sooner. 
I explained that i had XXXX, left my husband and had to move my house and business all in a 3 week span and she was not being very helpful. They can see in their system what the correct payoff amount was and that their agent clearly made a mistake and she refused to do anything and again told me it was my fault that I did not check with XXXX XXXX sooner. I was clearly mislead into this loan and they are trying to make me pay more than the terms that were laid out

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Requested report and score ( for which I authorized payment ) from TRANSUNION CREDIT CO. Suddenly there appeared a monthly {$19.00} recurring charge on my credit card. Did n't authorize, did n't know what it was for, no confirmation or acknowledgement sent to consumer that such charge would take place. After researching the internet I was able to get instructions to " cancel '' my " membership ''. There were many such complaints online about this practice. TU has said there will be no more charges. The sales rep had such a strong foreign accent that I could barely understand him. I have also alerted my credit card company who have said they will cancel any TU charges and issue a new card if necessary. I have alerted them as well and am still fuming. Thanks for providing this site.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I held a mortgage on my house which was transferred to XXXX XXXX XXXX. For various reasons, I was no longer able to maintain the house, and moved into an apartment. The mortgage was subsequently sold to Seterus for collection. The house was foreclosed, but various issues with previous mortgage companies not clearing the title when I refinanced, the foreclosure auction could not take place. This happened in about XXXX 2014. The title issues have long since been resolved, and no further date has been set for foreclosure auction. I have contacted Seterus numerous times, with no resolution. I finally told them I wanted to turn the property back over to them. I was told I should hear something 'in about 2 weeks '. This was at least 2 months ago. Meanwhile, the house has been vacant for over 2 years, and is deteriorating. I have had XXXX different people contact me about buying through a short sale. The first one was not able to reach an agreement on a price. The second one is also likely to not go through. Meanwhile, I can not get any cooperation from Seterus on returning the property to them. Every call I have made to them, ends up going nowhere. I need help in getting rid of my property ... It seems very unreasonable that all this should have gone on for almost 2 years. Any help you can give would be greatly appreciated ... .. 
My scanner is not working, so I am unable to attach the foreclosure notice dated XXXX/XXXX/2014, with date of auction scheduled for XXXX/XXXX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Debt collection (I do not know) with Velocity Portfolio Group (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was contacted about this debt back around XXXX. I stated then that I was n't aware of this debt and requested information that was never received. It is now 7 to 9 years later ( beyond collections statues ) and I 'm being harassed again via phone calls and mailed letters for money in the amount of {$12000.00} for a debt with XXXX  XXXX XXXX and Velocity Investments , LLC. The letter states the principle balance is {$7200.00} and Interest Balance of {$5200.00}. 

Please provide documentation as well as check the FDC status.

Company response to consumer: Untimely response
Consumer complaint received 01/24/2018 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: XXXX XXXX determined a loan that they had for me was fraud. Instead of removing it they charged it off told me that i was not responsible however XXXX XXXX picked it up added money to it and is harrassing me claiming to sue me. It is not my debt i am not responsible and it needs to be removed now.

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 02-05-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CT).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: My issue is regarding synchrony bank. I had an account go into charge off status due to the XXXX of my grandparents causing me to fall behind on payments. I spoke to a nice woman about 2 months ago who told me since my account was paid in full, that it could be deleted. I received my letter from the company stating that my account is paid in full. But have not yet received my deletion letter as promised. After numerous phone calls and attempts to get my letter, they told me " there is nothing more they can do for me and I have to figure it out ''. As soon as I found out my account went into charge off status i immediately paid the balance and i feel extremely disappointed that this company is just making me go in circles without giving me my letter that I was promised. And giving me false information that my account would be deleted if they didn't plan on doing that.

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 12-02-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: I accidentally made an online transfer in the amount of {$500.00} via Bank of America online to an account which I thought it 's my wife 's on XX/XX/XXXX. I found out the problem next morning and called BOA right away. But BOA claims they were unsuccessful at contacting the recipient and refused to take further action. 

My wife and I have a joint account with BOA, but for some reason, my wife can not access the joint account online, hence I can not do a self transfer to the joint account. My wife reported this online account access issue to BOA several times in the past but that never got resolved. Because of that, I had to transfer fund to my wife 's own account every time I need to send money to her.

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 07-12-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: At the end ofXX/XX/XXXX, I submitted my annual recertification paperwork and required supporting documents. I checked off the box asking to be changed to a different loan repayment plan if there was one available with a lower monthly payment. I was then notified at some point that there was a different plan with a lower monthly plan. It was never explained to me that switching plans could take multiple months to process and in that time I could not make qualifying payments, or that I had the option at that point to cancel my request and stay with the same plan. I have not been able to make a qualifying payment towards the public service requirement for XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. I have made multiple phone calls to ensure that they have everything they need, to find out why it is taking so long to process. Every representative I have talked to has given me different information. I called on XX/XX/XXXX after receiving an email on XX/XX/XXXX, that my payment for XX/XX/XXXX would be over $ 3k. the Representative I spoke to at that time told me they would submit my forms for expedited processing and that they did not know why my application was so delayed. I spent 45 minutes on the phone with them. I called again on XX/XX/XXXX to check the status of the expedited processing request had happened. I spoke to a supervisor who informed me she would send and expedited request, because the representative on the XX/XX/XXXX did not do so. I called again today and the process still had not been completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have asked if I could get my student loan payment lowered. In 2014 I was involved in a fire and suffered XXXX XXXX XXXX with that being said I lost my job which was in XXXX XXXX  and had no income. Due to the lack of income I incurred numerous bills which I am still trying to catch up on. I called Navient a couple of times and asked if I could have my payment lowered but they told me that was not an option, so my loan was put into forebearance which incurred alot of interest. I am struggling to pay credit card debt and my monthly student loan which is {$250.00} a month, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My daughter neglected to pay her first three months of her SallieMae student loans that I had co-signed on. Once I became aware of this I immediately called SallieMae to pay the delinquent loans in full and pay them forward until XX/XX/XXXX. My credit score has been between XXXX-XXXX for the past 15 years. The delinquent loans ruined my credit, my score is XXXX. I am trying to refinance my home to consolidate these loans at a 3.6 % interest rate, rather than the 9 % current loan rate with SallieMae. I contacted them on XX/XX/XXXX asking them to send my Credit Union a letter on their letterhead explaining that I immediately paid the delinquent loans off and forward till XX/XX/XXXX and to note that they were in XXXX rather than XXXX, delinquent status. They told me that they would be mailing this out to me the following week. I was shocked that it could not be e-mailed to me and that I would have to wait for it to be 'snail mailed! '' They apologized for the inconvenience but would not email it to me. I made the request over the phone on XX/XX/XXXX, on XX/XX/XXXX I called SallieMea to ask if it had been sent and they said it went out on XX/XX/XXXX, 12 days after my request! This absurd " snail mail '' delay is holding up my opportunity to do a rapid reassessment of my credit score and re-finance my home. I called them again to ask if they would remove the delinquent payments from my records ( because I had paid them immediately once I found out they were delinquent, and paid them up until XX/XX/XXXX ). The customer service agent with SallieMae told me to write a letter and send it to them via the postal service i.e. " snail mail '' then they would have up to 30 days to reply! This is completely unacceptable customer service! I have no recourse but to do this and wait? What if they deny the request? Then I will have waited six weeks ( two weeks for it to get to the appropriate person and up to XXXX to answer and send it back to me ) to see if they will approve this request? What kind of customer service is this? Why ca n't these requests be expiated by electronic correspondence? I find this antiquated and troubling. I am trying to refinance my home and repay these loans, they are slowing the process to a sloth crawl! This is unacceptable and should be changed. It is XX/XX/XXXX, we do n't do important time sensitive transactions via snail mail when we have e-mail. Please let me know how you might help. Thanks 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 08/18/2015 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: There are several inquires on my credit report that I did not authorize. I have written to each company listed informing them that they pulled my credit without my permission. I also disputed these inquires with Experian. Experian has said they would not remove them as I authorized them. I have asked for each company that inquired for my credit to provide me with proof that I authorized these inquires. I also have asked Experian to provide me with the proof that they have received from each inquiry showing that I authorized these inquires. Both the company and Experian have failed to provide me proof that I authorized these inquires. Experian has also failed to remove these inquires from my report as they were not authorized by and are now FRAUD inquires. 
XXXX Date : XXXX XXXX, XXXX Date : XXXX XXXX, XXXX Date : XXXX XXXX, XXXX Date : XXXX XXXX, XXXX XXXX Date : XXXX XXXX, XXXX XXXX Date : XXXX XXXX, XXXX Date : XXXX XXXX, XXXX Date : XXXX XXXX, XXXX Date : XXXX XXXX, XXXX Date : XXXX XXXX, XXXX Date : XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (GA).
Issue: Account opening, closing, or management

Complaint: I opened a CitiGold checking account online in XXXX of XXXX. I was an existing Citibank customer with a credit card that earns 'Thank You Points '. The checking account was opened using a promotional offer from Citibank, which offered a bonus of XXXX Thank You Points ( worth roughly {$500.00} ) if the I met the following conditions within two months of opening the account - I simply needed to make 2 online bill payments in 2 consecutive months. I opened the account, and verified ( via Secure Message and using their Online Chat application ) with Citibank that my account was opened with the promotional code and eligible for the promotion, and that I had met the requirements the receive the bonus Thank You points. I was told in accordance with the promotional terms that the bonus points will post to my account within three statements or 90 days of completing the requirements, which would have been XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX, and I have paid {$90.00} total in monthly fees to Citibank, and Citibank has not upheld the promotional offer. Upon inquiry, Citibank now tells me that I was never eligible for the promotion, despite the fact that they confirmed my eligibility several times and provided specific dates and milestones that corresponded to that eligibility. This is very unfortunate in that in the six months this account has been open, numerous Citibank representatives have confirmed my enrollment in this promotion, eligibility and satisfaction of the promotion requirements to earn the bonus for this checking account. The last Citibank rep I spoke with told me that the points would post within 90 days of meeting the requirements. Only now, after Citibank has collected fees during my 90 days of waiting, does Citibank decide to inform me that I am not eligible. If I was ineligible, why was I not informed earlier? Therefore, I find this practice to be very deceptive and would like to file a complaint.

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 11/27/2017 about Debt collection (Mortgage debt) with HSBC NORTH AMERICA HOLDINGS INC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX XXXX XXXX first appeared on my credit report and at the register of deeds office in XXXX county N.C. as a lien holder to my property in XX/XX/XXXX. There was no lien or second mortgage on my property or credit report when I applied for a loan from XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX, nor in XX/XX/XXXX when I did a home modification loan with my current mortgage holder. I have never had prior contacts about payments or any arrangements with XXXX, not XXXX cent, contrary to the statements that I last paid them on XX/XX/XXXX. 
How could this be when I get another statement saying that the statute of limitation had expired and they could bring no legal action to collect this debt. 

I only became aware of this so called XXXX lien when I applied for a reverse mortgage loan in XX/XX/XXXX from XXXX XXXX XXXX loan officer for XXXX XXXX XXXX ( loan # XXXX ). I wrote the credit bureaus and they removed XXXX from my credit reports. XXXX then contacted XXXX and requested a " Quit Claim Deed ''. After his initial contact with XXXX Rep. " XXXX '', she refused to reply to any of his repeated communication attempts ( phone calls, emails, letters, or faxes ). My loan stalls because of this unresolved issue. 

I did have a second mortgage with XXXX XXXX XXXX, but that was included in my bankruptcy ( Ch. XXXX ) in XX/XX/XXXX and should have been dismissed. My last payment to XXXX ( XXXX ) was in XX/XX/XXXX. I thought it was taken care and after more than 12 years it pops up out of no where. 

Can you help me resolve this issue without being taken advantage of? 

Please and Thanks

Company response to consumer: Closed with explanation