milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: A representative is calling people who are barely acquaintances to me, including cousins I have n't spoken to in six years. There are at least three instances that I know of, and I 'm certian there are more. These people are being told that I LISTED THEM AS A REFERENCE, which is completely false, and being asked about my whereabouts. 

People I barely know are being contacted about my debt/credit problems, they 're being lied to, and my personal finance issues are being humiliatingly broadcast to virtual strangers. 

The name that the organization is giving to them is XXXX XXXX XXXX and XXXX XXXX XXXX, and the contact number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: ive tried to reach out to American Express in regards to a fraudulent balance transfer of XXXX that took place last year XX/XX/17 to date they have not credited my account for this fraud transaction i informed them on XX/XX/2017 of this matter and also an charge for XXXX they have disregarded my claim

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Five months ago, I opened an Advantage card with Citi,  because it was advertising a XXXX + XXXX mile sign up offer. The conditions were : 1 ) spend {$3000.00} in the first 3 months to get XXXX and 2 ) spend total of {$5000.00} in the first 12 months to get XXXX miles. 

The card was approved but the credit line given was {$1500.00}. I make about {$75000.00} annually and already have a Citi card with {$20000.00} line on it ( 3-year history, never made a late payment, never carried a balance ), while the total credit line across all the card is ~ {$100000.00}. I called Citi to ask for the increase, because no way one could meet the requirements with that credit line. I asked for the increase twice. Both times was denied. 

So, I had decided to make payments of my balance throughout the cycle ( in the middle ) to allow me spend more. My first payment was put on hold for a week or two which prevented me from using the card ( there is a bounced charged on the record to prove XXXX. 

I was very concerned about this 'set to fail ' scheme, so I called Citi on 3 occasions to verify my spending total to make sure I meet the requirement. I was told that I had by the end of XXXX to spend {$3000.00}. On the last of the 3 calls, I was told that I spent ~ {$3200.00} ( I later verified as {$3200.00} ) and that the XXXX miles would be credited XXXX when the statement is generated. 

As my last payment was put on hold this month yet again, I chatted with Citi ( on XXXX around XXXX PST ) via online chat and was told that the hold would be taken off in a couple hours. I had asked the representative about the miles, and yet was assured that they would be credited in a couple hours. 

Few hours later the statement was generated but no miles were granted. I called Citi in the morning of XXXX and was told that the spending requirement WAS NOT MET. No one would check the past records. It appears to me, that Citi representatives lied to me on 4 occasions about my spending. On top of the fact that the card was set to fail from the start.

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 08/23/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I disputed this account several times. The company only verified the account. They did not validate that this account belongs to me

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 03/29/2017 about Debt collection (I do not know) with Amsher Collection Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft and noticed a collection from AMSHER COLLECTION. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AMSHER COLLECTION in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. 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 06-10-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (RI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I 've been trying to rectify my loans since XXXX, calling, emailing and faxing dozens of pages of information, in order for my Income based repayment plan to reflect my current income. They called me about 4 weeks ago telling me i was still past due ( they had recieved my pay stubs weeks prior and did n't process them, and after talking to them they FINALLY tell me that my loan payments have been straightened out in accordance with my financial information, and told me what my payment would be and that is would be due XXXX XXXX, only to log in on XXXX XXXX to make a payment and find that they are STILL asking me for almost 10 times what they told me my payment was supposed to be based on my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Student loan (Non-federal student loan) with ACCESS GROUP INC. (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Hi, Years ago I had financial difficulties arising from unemployment and surgical bills. During that time most of my student loans went into default or deferment. I am now on my feet and have resolved all my old issues. All of my student loans are current, except my private student loans for XXXX XXXX XXXX through Access Group ( held by XXXX. ) These are in collections in the amount of $ 40,000+. I have been paying XXXX every month for years, but the amount is still high and wo n't be paid off for a decade. This leaves me with horrible credit ( It would be almost perfect without these collections as I pay everything on time now that I am working. ) I ca n't get a mortgage for a house and my interest rates are high based on my credit score even though I have perfect credit card payment history. I have been trying to resolve this with both XXXX and Access Group for over a year, but they will not help me rehabilitate or discuss anyway to get this removed from collections besides paying off the amount ( at 50 % charge off discount. ) I would immediately get a personal loan for XXXX to pay it off, but with the collections on my credit report I ca n't even do that. I called the XXXX XXXX department of Access Group again today pleading with them to help me resolve this in some way - I have no issue paying my debt, but having this in collections is affecting every aspect of my life - I almost did n't get the job I have now because of them. I was hoping CFPB may have dealt with this lender/collection agency before on this issues and that there was some way to help debtors in this situation. I realize they are private, but they are servicing student loans, so I would have thought they would be more amenable to people who were trying to do the right thing. Any help or information CFPB provides would be greatly appreciated. I had a complaint about 3 years ago that CFPB helped resolve so I know what a great help your agency can be. Sincerely, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There is a bankruptcy reporting on my transunion and my XXXX credit reports. It shoud not be on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (ID).
Issue: Struggling to pay mortgage

Complaint: We applied through owcen a modification 6 times to get our payment lowered and every time we sent in the paperwork they said it was incomplete even though we talked to them each time we sent the paperwork in to make sure it was all correct before we sent it in we have been doing this for over a year now and fell behind on the payments we tried to contact them and request documents so we could at least refinance to clear up the past due balance and they would not send us what our credit union needed to finalize this process So we then decided to sell the home and take our losses so we hired a Realestate company went through them got a offer and ca n't get owcen to give us a contact person to discuss a quick sale before the foreclosure auction even though we have a buyer willing to buy the home this is crazy and I tell everyone that I know that owcen is not a good company to work with so they can try to auction the home or at least talk with the realtor company and accept the offer on the home and recoup their losses I 'm so frustrated and tired of dealing with all of this then we received a letter from owcen that the loan was obtained by another company thennothing from them either and owcen is still the primary what does that mean? The letter they sent is invalid? What the heck a very frustrated home owner

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion is currently reporting inaccuracies in my credit report. There are XXXX student loan accounts that were never late and they continue to add more that all have the same account number but are reporting incorrectly. According to FTC opinion on the FCRA Sec. 623 ( a ) ( 2 ) of the Fair Credit Reporting Act requires a furnisher of information to provide corrected or updated information to all of the consumer reporting agencies ( credit bureaus ) to which it was originally reported, regardless of the fact that the information was accurate when originally reported. Also under the Higher Education Act ( HEA ) Updating and correcting previously reported information includes removing default history after a borrower successfully rehabilitates, as required by Sec. 464 ( h ) of the HEA, as well as correcting a reported delinquency to reflect the application of a retroactive deferment and forbearance that ultimately converted the original period of delinquency into a period when no payment was due. I have letter from the original furnisher showing that my account was indeed in forbearance from XX/XX/2012-XX/XX/2012 which is when these late are showing incorrectly on my credit report. Instead of fixing these errors Transunion has taken more than the allotted time and has added closed accounts with the same account number with no clear reporting of these accounts. Also I the other inaccuracies that are not being properly investigated and shown proof under FCRA laws that show me the validity of these accounts that I have asked for many times now I the investigation is taking longer than the timeframe given by law. Transunion continues to report inaccurate personal information that when I call they assure me that it has deleted but when I get the updated report it continues to show up when they tell me it has been deleted. If Transunion continues to disregard my dispute and going past allotted time to investigate and properly verify per FCRA laws I will be forced to file suit in small claims court for damages caused by the inaccuracies to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: credit inquiries that i did not do are on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hi, so this company called corelogic credco, based in san diego prepared my credit report for a dealership, where I was applying for credit to finance a car. But the report is showing two mortgages that are closed as open and so those open mortgages are adding to my present mortgage and is showing that I owe XXXX k in real state, which makes my monthly mortgage payment almost XXXX dllrs. So I called corelogic credco and the woman that I talked to pulled the information from the report in front of her, I explained everything in detail, and she found the problem, but after waiting for a long while she came back to the phone and said that it was " a software problem and there was nothing they could do to fix it. I told her that there must be something they could do because it is their software and it is affecting my credit because I had been denied credit in 5 different occasions that I applied prior to the dealership, but her response was the same. she said " I 'm sorry sr but there is nothing I can do, is there anything else I can help you with? '' At this point I was upset, so I hang up the phone.

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 08-08-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Credit decision / Underwriting

Complaint: My partner and I applied for a HELOC with Wells Fargo Bank. We have a mortgage with another bank, but they do n't offer these types of loans and we 've been banking with WFB for 40 years ( me ) and 25 years ( him ). At the time of the application, I told WFB there was a small medical bill ( just over {$300.00} ) that I refused to pay because the company would not tell me what it was for, and it was sent to collections. The bank said that should n't be an issue. My credit score came back at XXXX, which was a surprise to me, and they refused the loan on that basis alone. My partner 's score is XXXX. 

Turns out I had another bill in collections for {$130.00} that I did n't know about, and I guess that reduced my score. My score when we refinanced a year ago was in the XXXX. 

We asked Wells to review this decision and take into account our years with the bank and the fact that my credit report shows no negative activity with any of my credit cards or other payments. I have some high balances, which they knew from the start, and we were trying to get the loan to consolidate those and reduce our payments. They still refused and said it was only because my score was so low. 

Since then, my score has gone back up to XXXX according to XXXX. I have tried calling the underwriter contact at the bank multiple times but she has refused to respond to my requests to understand why this loan ca n't be approved when we clearly have the credit, not to mention the loan is guaranteed by the equity in our home. We 're asking for a loan that equals about one-third of the amount of equity we have.

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 11/18/2017 about Vehicle loan or lease (Loan) with BHFC Financial Services INC (CO).
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint: I am an auto dealer that had a loan approval thru the finance company BHFC. I went and bought a car for a customer based on the loan approval from this finance company and when we sent it in for funding, after MANY recorded calls, XXXX from BHFC, declined the loan package after we sent it in for funding. His first response was, the customer was using multiple SSN 's,  then he said no, that was n't the case, he had had a recent repossession. I had in good faith sent the lending institution this application knowing my customer had credit issues. Our dealership is small and we do n't pull credit reports, so we rely our banks to do their due diligence to approve or deny credit. This lending institution gave both me the dealer and my customer a false credit approval, based on their own credit bureau pull and further more, changed their approval into a decline based on nothing anything other than a change of heart. Not cool, not okay. I realize nothing will be done today, We as a dealership will never do business, but please, look into their practices.

Company response to consumer: Untimely response
Consumer complaint received 02-02-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: i tried to dispute errors found on my report from XXXX who had bought my loan from XXXX in XXXX but they list it as opened with them in XXXX the same time i opened XXXX with XXXX they listed it as another type of loan on top of my regular mortgage and also try to put a fraud alert on my report as i learned XXXX checked my credit today and ive never dealt with them. i cant contact equfax as they clam my info tells them ive had several loans and credit cards over the years and know never had a credit card ever.. 
i have a police report where someone stole my ssn and tried filing state tax forms under mjy namne for states ive never been

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Customer service / Customer relations

Complaint: I had a XXXX XXXX card, and when XXXX ended its affiliation with XXXX they transferred the accounts to XXXX. I never wanted the new XXXX account, and never activated the card that was sent to me. I contacted XXXX to cancel the account. They could n't help me. I contacted XXXX to try to cancel the account - they informed me that I needed to work with the issuing bank. BarclayCard began placing recurring charges transferred over from my XXXX account each month, even though they were never authorized to do so. More than two months ago I called the credit card company and cancelled the account - although I should not had had to do this, since I never activated the account in the first place. BarclayCard / XXXX completely ignored this and continues to place charges and late fees on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-03-2018 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: Public record information inaccurate

Complaint: There was a public record on my report that was inaccurate so I disputed the accuracy of the report. Equifax confirmed that they verified through the creditor that the information was correct. 

I wrote the court to ask how they verify information with the credit bureaus. They said that they do n't. 

I sent this info back to Equifax and asked for their method of verification. 

They confirmed they gathered the information from a 3rd party XXXX. 

I wrote to XXXX to ask how they verified the information. They wrote me back and said they HAVE NOT been able to verify it and have removed it from their records. 

I sent this information back to Equifax and they still have not removed the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (SC).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XX/XX/XXXX I made a cash deposit before I purchased a rental car due to mine being flooded from Hurricane Irma. That deposit has disappeared and left me with a negative balance that I worked hard to avoid. I receive overdraft and returned item fees regularly from SunTrust and am trying to avoid more. I have been unable to make any purchases including lunch and my XXXX XXXX  was declined payment due to this. I deposited {$300.00} to a teller at a branch in XXXX, SC and now I have a negative balance. I am going to incur an additional fee from XXXX XXXX. Due to the transaction not being paid on time when they tried to run it. I contacted SunTrust XX/XX/XXXX and they said they are having an issue with deposits and that there is nothing they could do. I ask that they reactivate my overdraft and guarantee that all transactions will be authorized ( I am told I have reached my limit ) or return any recently imposed overdraft or NSF fees which SunTrust refuses to do. SunTrust has left me with a negative balance and the only thing they can tell me is we are sorry and working to resolve it. I have no money available and no temporary authorizations are available. 
Whenever I am in trouble with the bank I never receive any sympathy and am given significant fees without any offer of forgiveness but I am expected to forgive them for having a banking issue. Transactions are reordered so that items are returned and fees imposed. In this situation I worked hard to avoid a negative balance and am still given a negative balance.

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