milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2017 about Credit card () with DISCOVER BANK (NV).
Issue: Credit determination

Complaint: I was invited to apply for a Discover Card. I filled out the necessary information then was sent an e-mail to verify my address asking for State I.D, or other, and photo of social security. I attempted to upload photo of I.D . from phone but was unsuccessful. I then went home and scanned both I.D . and Social Security and uploaded them from my p.c.. Although the photo on my i.d is not clear my address and license # are. I received another email again requesting the information or to call. I called, spoke to an agent who was trying to find another way to send information, since they had trouble reading the I.D., whom she then said hold on a moment and then returned to the phone saying it was n't necessary to send any more information and they would process the applicatiuon 7 to 10 days. I then received another e-mail saying to call them or lose my application. I called them and was informed my application was denied. I checked my credit report saw they made a soft inquirie previously and then a hard inquiry. I recently received the denial letter which states I was denied to do inability to verify my credit references. It also adds on the back my fico score at XXXX ( it is XXXX ) and that there was not enough credit length on other cards and loans. I have had a XXXX XXXX credit visa card for three years, a XXXX for going on two years and an XXXX opened recently. All of which have been paid on time. I also have a loan through Department of Education, and a loan through a credit union of which all are current. I feel I have been discriminated in some way or I would have been run-around as I had. They came to me! And have had no trouble with these other credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Student loan (Federal student loan servicing) with NELNET, INC. (OK).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My concern is that I was recently informed by Nelnet that I do not qualify for the Public Service Student Loan Forgiveness Program. I have been a XXXX XXXX for 10 years beginning in XX/XX/XXXX, and therefore have made over 10 years worth of student loan payments to Nelnet. I consolidated my student loans in XX/XX/XXXX when I graduated from XXXX XXXX. 

I was told that I do not have the right type of loans to qualify for the forgiveness program. This comes after YEARS of understanding that I would qualify for the program. Nelnet has recently indicated that the only way for me to qualify for the forgiveness program is to re-consolidate my student loans and make 10 more years of payments since none of my previous payments would qualify. 

I feel like Nelnet and the Federal Government has mislead me with an understanding that I would qualify for the forgiveness program. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (TN).
Issue: Trouble during payment process

Complaint: My mort gage company is Ditech mortgage I received documents on     XXXX   XXXX   XXXX   from  them advising my mortgage modification was approved and the 1st payment of {$690.00} would be due  XX/XX/2016 . I 've completed the three trial payments and is currently making my monthly mortgage payment. I have called monthly requesting my final modification documents. Customer Service  always state they are   processing those documents. It has been 5 month since I completed my trial payments. Please assist me with obtaining the final modification document. I also have not been receiving a mortgage statements. I would appreciate your assistance with this urgent matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Consumer Loan (Vehicle loan) with MERCEDES BENZ FINANCIAL SERVICES (TX).
Issue: Managing the loan or lease

Complaint: Mercedes Benz Financial was notified on or about XXXX XXXX that two payments ( payment was made XX/XX/XXXX ) were taken out of our account. My wife called and asked to return the extra payment that was taken out and they informed us it would take up to 10 days. On day 10 there was no money in the account so we called again. They stated that nothing had been requested and now it will take 48 hours. After waiting that 48 hours, still nothing. We then called again, and again the message was it will be in our account in 48 hours. This is after giving them the confirmation number from our bank. Again, nothing in the account. We called again and they said they needed a screen shot of the online baking deductions, so we sent that. Still nothing. I have now called twice today requesting to speak with the person we have been speaking with and was informed she was busy and I would get a call later. This is unacceptable. The money is still not in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CHEMICAL FINANCIAL CORPORATION (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: In XX/XX/XXXX I moved out of the state of Michigan. I was unaware that anything that my bank account at XXXX XXXX went negative. I had stopped using it when i moved. in XX/XX/XXXX i  attempted to open a joint account with my teenage son at XXXX XXXX XXXX and was declined because a XXXX report. I contacted XXXX and discovered it was from XXXX XXXX. I contacted XXXX XXXX   branch in which i had the account. They said the account was charged off, and i could not pay it off ( {$39.00} and some change ) I asked how i could have this removed, the representative at the time told me to dispute it with XXXX. I did. The dispute showed i was responsible, which i never actually disagreed with. I just wanted to pay it. I finally contacted a corporate office, who gave me the ODP department. They told me to pay the balance, and it would be removed. they also told me to include a letter stating i wanted a copy of the letter of it being paid for my records. When i recieved that letter XX/XX/XXXX It was titled Paid in full letter. and stated that i had paid my balance and closed my account with XXXX XXXX, however, it would remain on XXXX XXXX. This is unfair. I paid my balance. This remark should be removed. It is keeping me from opening accounts for my children and improving my financial future. I paid my debt. They need to remove the remark from my record, this could even keep me from advancing in my job as i work for XXXX XXXX XXXX. This is all under my maiden name of XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/31/2016 about Debt collection (Medical) with Sarma (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am trying to work out an arrangement with Sarma Collections so that I can get them off my credit report. I have tried calling them and nobody calls me back or answers the phone. A women answers but says she needs to transfer me to collections and transfers me to a line that nobody answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Bank account or service (Checking account) with BB&T CORPORATION (VA).
Issue: Account opening, closing, or management

Complaint: I complained about BB and T putting an unauthorized hard copy on my credit report without my authorization. XXXX is the complaint number. I never received a satisfactory response on this complaint. I asked for the inquiry to be removed from my credit as it caused my credit score to drop by XXXX points. They told me they had the authority to run a credit report on me since there was " signage '' in the bank. I never saw any signs. I have had a checking account with them since 2008 and took a cashiers check to be put into a savings account to be linked to my checking account. I was not applying for credit although they tried to give me overdraft banking and a credit card. I never asked for any of these and refused. They obviously pulled my credit in order to attempt to cross sell me products that I did not want.

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 11-08-2016 about Bank account or service (Savings account) with BARCLAYS BANK DELAWARE (CA).
Issue: Account opening, closing, or management

Complaint: Barclays Bank Delaware is refusing to allow me to change my privacy settings in order to disallow information sharing, even though they are required to do so under federal law. 

I received an annual privacy notice from Barclays Bank Delaware today. In the notice, it states that Barclays DOES share my personal infomation with affiliaties and other companies, and that I can limit that sharing. However, when I called the phone number listed on the notice, the representatives told me that they do not share any information and there is no way to change the privacy settings. 
Since their written statements contradict their oral statements, I assume that the written statements are true and the oral statements are false and that they do share. However, since they falsely claim that they do not share when I call them, they could not tell me my current privacy settings and appear to have no way to change 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 02-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Upon checking my credit on XXXX and XXXX, I found a new collection under Enhanced Recovery ( ERC ). I 've already submitted a dispute on both credit bureaus because I have no knowledge of this debt. The collection info says I owe XXXX {$460.00} as of 2012. I did not even have an account with XXXX XXXX XXXX around that time. I have never been contacted by XXXX XXXX XXXX saying I owe them anything, so I 'm pretty sure this is a scam. I 'm sending a letter to ERC today via certified mail, with return receipt requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Currently I have a tax lien being reported on my Transunion and XXXX credit reports. The lien is inaccurate and should have never been filed. The lien has been ordered removed from my record. The first time I disputed the lien with Transunion they sent back a response stating it would be removed but after several months it was not removed. I disputed it a second time but now they are stating that is is accurate and are refusing to remove it from my credit report. I would like assistance in compelling the credit bureaus to remove this inaccurate item from my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: They failed to update my credit report after the information was submitted to them several times, this account with XXXX XXXX was opened on XXXX XXXX 2014 they have it as being opened on XXXX XXXX which is incorrect. Then they have it as a charge off and it 's not a charge off it was refinanced and paid out by the XXXX that 's reporting on my report in good standing. They were also provided the copy of the checks for the pay out. I have disputed this with them several times and they have yet it update my report with the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On XX/XX/XXXX I was notified by my ID credit reporting company of a negative report being filed by XXXX XXXX XXXX. I am  requesting in writing an explanation as to how my active disputed acct balance,  since, XX/XX/XXXXHas now been "expressed tracked" to a negative hit on my credit.My deputed balance has not been resolved due to Banks on- going avoidances to address my dispute if balance and handling of my acct.Please respond in writing thru reffering agency, as you company has no reporting person, for me to work with, to address concerns.Hx with company: cfpbXXXX XXXXXXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Debt collection (Medical) with Credence Resource Management, LLC (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a medical bill from XXXX XXXX / XXXX XXXX XXXX for XXXX. Enough I was making monthly payment, XXXX XXXX / XXXX XXXX still sent my account to a collection agency. My account was referred to XXXX. I continued to make monthly payments and paid off the account in XXXX, 2016. All payments were made to XXXX. I actually over paid by {$14.00} at which time I called XXXX regarding my credit on XXXX XXXX, 2016. I was informed by XXXX that I did have a credit and I would receive a refund in the amount of {$14.00}. My refund was processing and I should receive my refund by XXXX XXXX, 2016. I did not received my refund. I called XXXX to inquire about the refund and I was informed that my account was transferred to Credence Resource Management and given the phone number. I could not get an answer from XXXX as to why my account was transferred or on my refund. I called Credence regarding my refund. I was informed that Credence had to research further and to call back. I waited a week to call. When I called back, I was informed that no research was done regarding the refund and more time was needed. Again, I waited about a week. When I called back, I spoke to manager " XXXX '' and although there was credit on my account, Credence needed to research and contact the " customer ''. As of today, still nothing has been done. XXXX and Credence both verified that I am do a refund. I am being refused my money back. 
XXXX XXXX XXXX / XXXX XXXX ; accnt # XXXX / Credence 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 explanation
Consumer complaint received 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with COLLECTION SERVICES OF ATHENS, INC. (GA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint: I previously filed complaints with the Better Business Bureau that the company failed to respond to this year. 

I previously filed a complaint with the Consumer Financial Protection Bureau in XX/XX/XXXX of this year in which the company alleges that they validated the debt via mail without providing any proof. More than likely if they sent any vailidation as they alledge it was sent to an incorrect address. 

The company has since changed the date of last activity and date reported to this listing as XX/XX/XXXX which is a violation of the FCRA. Per their own statement in my last complaint they first reported this in XX/XX/XXXX but this is not what is currently reflected on their listing on my XXXX Credit Report. 

I am XXXX and I feel this company is trying to take advantage.

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 03-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is an account listed on my Transunion credit report as XXXX XXXX XXXX XXXX. This company is re-agiing the debt so that it stays on my credit report longer. There has already been accuracy issues with the account and it was properly removed from my XXXX file. I have disputed the re-aging issue and Transunion has not resolved the issue. They sent a letter stating new information below, which has not addressed the issue.

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 03-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt was disputed and removed by credit bureaus in XX/XX/XXXX and then sold to Amsher and it was back on my credit report XX/XX/XXXX. I have disputed with them, the amount is incorrect. They report that the debt is verified, I spoke with t-mobile agent and she did NOT verify the XXXX amount that Amsher has as collection amount. There should be no debt in the first place, due to the fact it was a month to month plan and the last month was paid, but sent to collection 3 months later. It does not show on my credit report that this debt is disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: If i knew my repayment options and that I could even make XXXX payments a month i would have done it.all i got was emails stating if i wanted to use the forbearance option type something and my loan was extended,. I recently made the call myself to find out what was going with my loan and came to found out im 3 times more in debt. i have been so stressed out thinking about how i will pay.i wish i was told about how much loan amount was increasing due to forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I am being forced to have force placed home owner insurance by green tree servicing LLC , for the past several moths .when my wife and I have along with my insurance company have proven and had them acknowledge the fact that we have had it ever since we open the loan seven years ago. Due to there forced insurance my monthly mortgage is$XXXX .without their insurance my mortgage would be $XXXX a month.that $XXXX. Difference could be used else where.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CT).
Issue: Closing/Cancelling account

Complaint: American Express continues to report the main card of an authorized user account I closed to my credit report. I closed the authorized user card & cancelled my affiliation with the account at the start of 2016 and they are still reporting to XXXX of the XXXX credit reporting agencies when I 'm no longer responsible for or authorized on the original main account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (Payday loan debt) with Mobiloans, LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have been paying off a {$1000.00} loan for about 16 months ay {$300.00} per month. I was never told that this would NOT be added to my credit report. The deductions stopped coming out of my checking account and I assumed that I was done with this loan. I checked my credit report and see that this loan was reported at a bad debt. I got nothing in the mail or phone calls from mobile loans, the only notification that I got was a negative mark that appeared on my credit report. Over the weekend I got something in the mail stating they are in the middle of bankruptcy and I need to send my claim in to possible be added. These people are crooks I have paid over {$4000.00} for a {$1000.00} loan. I believe that they have committed fraud. Please see attached credit report.

Company response to consumer: Untimely response
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Experian has not updated my report as requested. XXXX XXXX XXXX is still reporting me as high balance and owing money, when I paid this account in full, was never late. They are continuously breaking Federal Law. This needs to stop. This is affecting me and my family. I can not get any credit or do anything to since my report is being high jacked by these tyrants. Please do the right thing and make these guys get it right. At this point and time I will be seeking legal counsel. For I have tried to resolve this 4 times now and have no results what so ever.

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 02/25/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery Associates has entered a fraudulent record of judgement onto my credit bureau reports. They have no such judgement against me. This has affected my credit score and the items presence on my report is currently delaying a pending loan application.

Company response to consumer: Closed with explanation