milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-05-2017 about Credit card () with CITIBANK, N.A. (DC).
Issue: Delinquent account

Complaint: I have a Macy 's credit card which is serviced through Chase. On XX/XX/2017, I paid my balance in full of {$500.00} and assumed that I had a XXXX balance. On XX/XX/2017, my card was charged {$9.00} in interest charges and on XX/XX/2017, my card was charged {$2.00} for a " minimum interest charge, '' and was again charged {$2.00} on XX/XX/2017. I received emails from Macy 's to login and check my statements, but since I knew that I paid my balance in full in XX/XX/XXXX and had not used my card to purchase anything, I did not feel the need to login to my account ( their website is very confusing ). I received a notification from XXXX that my credit score - which was previously around XXXX - had changed and it had dropped to the XXXX due to Chase reporting me for delinquency. I logged into my account and found that I had a balance of {$13.00} - all of which was just interest and fees accrued AFTER I paid my bill in full. I paid the {$13.00} on XX/XX/2017 ( when I realized what happened ) and tried to file a dispute, but became overwhelmed and confused by what I needed to do in order to dispute their delinquency charge. This is not the first time that this happened with Macy 's, and the issues began when XXXX began servicing my card. 
Today I received notification that my private student loan through XXXX has raised its interest rate for the fifth time in about six months to 9.50 %, and I sought a soft quote from XXXX to refinance my student loan. I was told that my credit score was XXXX and that the key factors that affected my score are the time since delinquency is too recent or unknown and the number of accounts with delinquency ( I have no other accounts with missed payments ). I do not have anyone who can cosign for me, as required by Citizens, and did not think that I would need one as I have made years worth of consecutive on-time payments to my student lenders ( I am over XXXX ) and my annual income has been over $ XXXX for the past few years. I need help fixing my credit score so that I can attempt to get refinancing of my student loans, as I am carrying about {$65000.00} worth of student debt.

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 03-04-2017 about Mortgage (Other mortgage) with U.S. BANCORP (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Called to pay off my escrow shortage on XX/XX/2017 at XXXX am from phone number XXXX. Customer service agent was rude and would not change my monthly payment amount. I requested my excrow be paid off and monthly payment be changed. From the time I have had my mortgage I have always over paid my principle each month. I asked to have my autodraft changed so I could again be paying more than my principle. She argued with me stating that the bank could not do that and why should I pay more than my monthly payment. She then placed me on an extended hold without any notice and transferred me to XXXX employee number XXXX. When I was transferred over to XXXX he was unable to see any notes concerning the conversation prior to the transfer. XXXX was able to process my escrow shortage payment for next year and adjust my monthly payment. 

I am requesting the first agent be terminated and never again be allowed to work in the mortgage industry. No consumer should be argued with when be proactive in paying their blls.

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 02/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The collection agency never contacted me via phone call or letter stating this debt was outstanding and would be reported to the credit reporting agencies. It is now reporting as an open collection on my XXXX credit report as of XX/XX/2016, Because this company did not contact me within the 30 day reporting rules, thus giving me a chance to respond before it was reported to the credit agencies, causing my credit score to drop my credit score XXXX points which now disqualifies me to get a home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/30/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (MO).
Issue: Managing the loan or lease

Complaint: They added insurance without my permission and will not take it off the account. I sent them a fax that the auto was not insurable and they have not responded for two years. They now say the loan is delinquient.

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 10-03-2016 about Credit card () with DISCOVER BANK (WA).
Issue: Closing/Cancelling account

Complaint: Discover closed my credit card account for no reason, affecting my credit history. After discussing at forum, I found that the closure of account seems to be discriminating XXXX customers since lots of such " no-reason '' closures happened.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I just recently found out that I qualified for deferments instead of forbearances with Navient. I have been unemployed while my Parent Plus loans were due. Navient has applied a deferment once. All other times I was placed on forbearances. I now have a monthly payment over {$430.00}. My current balance is now {$54000.00}, which {$10000.00} is capital interest due to being given forbearances instead of deferments. I still have 13 months of unemployment deferments left. I contacted Navient and asked why was n't I given deferments on my account instead of forbearances, the agent stated that she could not answer that for me. I would like to have the capital interest that has accrued on my account cancelled. 

XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I address issue on XX/XX/XXXX and the website work only one day for me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NC).
Issue: Settlement process and costs

Complaint: XXXX XXXX, XXXX XXXX XXXX left our home flooded in 6 feets of water for 6 days, whereas 2 feets to XXXX inches came into the house. It cost over 50 % to restore our home. XXXX, refinanced our home so we could pay the contractors. XXXX financing raised our intrest rate 11.9 % on the 1st mortgage and 16 % on the 2nd mortgage. They promised our intrest raters would come back down after 12 months. We never received the promisary letter nor have the intrest rate come down. we have been paying XXXX and XXXX since XXXX XXXX. Our mortgage was sold to GreenTree Mortgage Services and now XX/XX/XXXX Green Tree - Ditecgh a Water company XXXX XXXX XXXX XXXX XXXX, SD XXXX. I have tried every avenue and path to get help with this matter. Our credit at that time was good and we feel that we was taken advantage of during a time of dress. We have a bloom blance coming due XXXX. 
XXXX XXXX XXXX XXXX, XXXX, NC XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have a serious problem and I have tried to get the attention of the data furnisher and have had no success, which is why I am now coming to XXXX. 

I have attached a screenshot of the tradeline that needs to be removed from my credit report because it is over 7 years old. I went XXXX XXXX XXXX, XXXX and this item should not be on here. I also went through a divorce and do not hold ownership in this property that this loan is attached to. This is harming me in many ways and I am trying to refinance my current home so that I may get a new roof before winter hits in full force here in Michigan.
I 'm respectfully requesting that XXXX remove this out of date information from my credit report. It also belongs to my XXXX and not me. 

This is causing me a lot of stress and I am also a XXXX XXXX XXXX XXXX here in Michigan. 

I AM ALSO REQUESTING NO PHONE CALLS, PLEASE COMMUNICATE BY MAIL ONLY.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am XXXX XXXX I have never lived on XXXX XXXX in ohio please my ex husband married someon that lived there it is not me. her name is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2017 about Payday loan () with ACE CASH EXPRESS, INC. (CA).
Issue: Can't contact lender

Complaint: They are stating that I took a loan and keep sending me threats. I have continuously sent them a demand for proof and was just advised that I applied by an email. I have never applied or received any funds from ACE or its subsidiaries

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Clarity Services (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was alarmed at the number of " hard hit '' inquiries on my  XXXX ,  XXXX  and   XXXX   credit reports. I reached out to each bureau and was told that they could not remove the information with a dispute. So I contacted Clarity Services , Inc.  as they are the source for the majority of these unauthorized credit inquires. I had to provide them with a written request and was provided a copy of my report with them. I identified each inquiry that was not authorized and returned by mail to them as requested. To date, none of the erroneous information has been removed and I keep getting the runaround from them. Telling me I have to start the entire process over again.   This is ridiculous. Sadly, I have since found many documented consumer complaints against this company, all similar stories. They are completely unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Army and Air Force Exchange Service (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've disputed accounts in the past and even recently and they are still reporting! I have become a victim of your credit reporting issue were put on my credit report I have no knowledge of. I have no reason to apply for anything, my information has been compromised several times from bank cards, ssn, etc. and now people are apparently applying for credit with that said information. I have an ID Care account given to by the government for the misuse of my compromised information I can provide along with the XXXX breach and fraud on my debit cards for the last 2 years. 

XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX ( reported as fraud ) XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX ( i was on XXXX XXXX - not possible ) XXXX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX Late payment XX/XX/XXXX for ALL Dept of Ed accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MT).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I received an American Express Delta Skymiles promotion in the mail that offered me XXXX miles if I spend {$1000.00} in 3 months. I signed up for the card online and was approved When I received the card in the mail, the welcome kit mentioned nothing about the promotion I had signed up for and was approved. I called American Express and asked for the details of the promotion and confirmation that I will receive the XXXX miles once I spend the {$1000.00}. The first couple phone calls I was reassured that I will receive the promotion benefits and they would send out a welcome kit saying so, I never received anything in the mail. My final phone call was XX/XX/XXXX when I was told that I won't be receiving the promotion because I had had an American Express card before. Then I was told by the supervisor that the promotion wasn't even from American Express but was from Delta. So now they are just full of excuses to avoid holding up their end of the deal and giving me the promotion. Just to note, This promotion received in the mail was addressed to me and it included my Delta Skymiles number. Whether this was a promotion from American Express or Delta or a joint promotion, someone needs to hold up their end of the deal and do what is right. I expect the promotion offering me XXXX miles once I spend {$1000.00} to be sent to me in writing. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (DC).
Issue: Account opening, closing, or management

Complaint: I had spoken with a representative to close my account. The account was not closed and kept getting charged maintenance fees without my knowledge, eventually causing it to overdraft. I found out about the overdraft via a letter received on XXXX XXXX, 2016. I visited a branch on XXXX XXXX, 2016 to speak with a representative to try to resolve the issue. I was informed that the account had been charged off on XXXX XXXX, the same day I received the overdraft notice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NV).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Hello, I am writing to express my concerns about how XXXX XXXX  and Navient have been mishandling my loans.
I have successfully completed with A Student Loan Rehab Program that assisted with restructuring my loans with a private loan service " collection agency '' XXXX XXXX Shortly after competing there program and completing on time payments they stated my loans would go back to the original debt collector Navient.
When my loans were sent back to Navient I applied for an IBR and completed that program for a year. When I was up for my renewal I completed my re-certification indicating how much I would like to pay in the IBR program.
I received information that I did not have to pay for the year which I thought was odd for the this year 2017 the entire purpose is to PAY on my loans. Despite that I am still making payments probably not even making a dent on the amount owed horrible.
I also applied for my re-certification with XXXX XXXX which I completed a year long with them paying XXXX on each loan a total of {$10.00} per month it was much but when your trying to make a living and not go into another collection {$10.00} is still {$10.00} that could go towards fuel and/or food.
In my re-certification I was informed that I would not have to pay back for this year which is not what I asked. I specifically request to be charged automatic debt to my bank account {$20.00} per month {$10.00} each loan which I have attached to this email. I have so many forms from Navient and XXXX XXXX that sending them all would not make sense to anyone so I am sending what I think is only logical to prove my statement.
I now work for XXXX XXXX in XXXX XXXX ( XXXX XXXX, NV ) and being that I meet the criteria for the Public Service Loan Forgiveness program I was rejected twice.
Both rejections said my loans did not qualify. I called to speak to a representative and she gave me the run around stating my student loans were " commercial '' and that they need to be switched to be able to consolidate them once I complete that than I can apply for Public Service Forgiveness. I am not sure the validity of this as these reps are trained to just talk and talk to confuse us on purpose and cause confusion and unnecessary stress and XXXX to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LENDING CLUB CORP (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Creditor participated in Unfair deceptive abusive acts or prices ( UDAAP ) by unlawfully charging me unusually high interests and fees when the account was open and after they closed the account. They violated FDCPA Laws. This inputted a high burden on me and caused me to incur high charges and fees which I did not incur. Also, this greatly affected my credit and I will like the violations committed by the creditor to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The following are duplicate/incorrect hard inquiries on my credit report : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 11-01-2016 about Credit card () with Acceptance Rentals, Inc. (GA).
Issue: Billing disputes

Complaint: Acceptance Rentals this company operates and the financing company for XXXX and came to an agreement to pay the account in full. Now a XXXX dollar dinette is now XXXX dollars pass due! I have written to XXXX as was informed the account was paid in full back in XX/XX/XXXX. Now my bureau report XXXX is showing this company with a large balance I do not owe. I wrote the Attorney General Office in XXXX to be advise to contact your agency. I will include the email sent to me which spoke of a closing agreement with a final payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2015 about Prepaid card (Mobile wallet) with Blackhawk Network Holdings Inc. (TX).
Issue: Fraud or scam

Complaint: I purchased Reloadit brand reload packs for a XXXX prepaid card. This company requires you to load these packs into an online 'safe ' and then from there you can load your card. The website allowed me to load these packs into my safe, then would n't let me load them to my card. I logged out and came back later to find the company had locked me out of my own safe. I called their customer service line numerous times. I was accused of stealing these packs and was told I must provide proof that I bought them. They considered it suspicious to have purchased these packs from more than XXXX location with days between each purchase. At XXXX point they even said I should expect to be contacted by the FBI. 
The customer service representative gave me an email address to send the proof that I had purchased the packs. I was required to send photos of the reload cards and receipts. I was also required to provide a photo of me holding a government ID. I emailed everything the same day. I called back a week later and the person told me he never got them, then asked for my landlords telephone number to prove I live where I said. He started counting down from XXXX, when I would n't give it to him he hung up on me. I called more times. They put me on forever holds on more than XXXX occasion ( that 's when you get put on hold with no intention of them returning to the line, XXXX minutes without checking in ) They locked my account permanently with {$650.00} dollars in there. 
A number of days after being told by phone they never got my email, somebody responded to the email I sent them. She asked for more information and was quite polite. Then she called me to confirm my address for the refund check. 
Still no check. I emailed her and now she is unresponsive too. This has been going on for months. Every person I call now says there is no way I 'm getting my money back. I recently called them again to try to resubmit the information they require. They said they wo n't be making any effort to resolve this issue and my money is gone.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Account is reinserted after being previously deleted. The account remarks even show previously included in Bankruptcy Chapter XXXX and the account shows a {$0.00} 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 non-monetary relief
Consumer complaint received 04/16/2015 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I call then send back requested information but they still refuse to correct and/or remove incorrect info therefore when I apply for credit, I 'm denied because the fraud alert placed due to identity thief requires that they call me before issuing any type of credit in my name

Company response to consumer: Closed with explanation